Guides
South African financial education
The words and institutions behind everyday money decisions.
NCR, FSCA, SARS, SARB and the Council for Medical Schemes do different jobs. A product that blurs them is harder to trust.
This library is general information. It is not personal advice under the FAIS Act.
How to use this section
Read the guide, then open the comparison or calculator it links to. If a comparison has no live figures, that is deliberate. Unverified rates are not published.
Guides in this section
Personal finance basics
A budget is a list of what comes in and what must go out. No percentage of income is the right answer for every household. Reviewed 29 October 2026.
Read guideScams, advisers and your rights
A guaranteed return, a request for your OTP, and an adviser who will not say whether they are licensed are three reasons to stop. Reviewed 29 October 2026.
Read guide
Calculators and comparisons
Questions readers ask
Is this advice?
No. It is general information for South African readers. Personal recommendations belong with an authorised financial services provider.
Sources
Page updated 28 October 2026. A source date is the day WiT Money checked that page, not a promise the institution has not changed it since.
- Financial Sector Conduct Authority
Financial Sector Conduct Authority · checked 28 October 2026
- National Credit Regulator
National Credit Regulator · checked 28 October 2026