Investing
Compare Tax-Free Savings Accounts in South Africa
A tax-free investment is not an ordinary savings account. The annual and lifetime contribution limits apply across your tax-free accounts, and a withdrawal does not restore the room.
Investments can rise or fall in value. Fees, available products and account conditions vary by provider. Information is not personalised investment advice. Information checked 28 October 2026.
Before you compare
Cash deposits and market-linked tax-free investments are separate products. SARS limits, checked for this site on 28 October 2026, are R46 000 a year from 1 March 2026 and R500 000 over a lifetime, with 40% tax on an excess contribution. Growth is not a contribution. A withdrawal does not restore the room.
Compare providers
Each card uses the product published for this page. A missing fee is left as a prompt to check the provider. It is not shown as zero.
12 of 12 products, in name order. A fee that was not checked is not shown as a number, and nothing is sorted by return or by cheapest.
- 10X Tax Free Savings. No official logo is shown.
10X Tax Free Savings
Tax-free investment account
Market-linked investments inside the tax-free contribution limits.
- Available investments
- Tax-free investment portfolios
- Access
- Direct
- Fees
- Check the provider's current fees
The published fee line is not treated as a confirmed current tariff. Confirm it with the provider.
Advantages
- Diversified indexed exposure
Considerations
- Less stock-level control
Information checked 28 October 2026. Confirm the current fees, minimum and account terms with the provider. FSCA authorisation is not shown as confirmed on this card.
Absa Stockbrokers TFSA
Tax-free investment account
Market-linked investments inside the tax-free contribution limits.
- Available investments
- Eligible listed ETFs
- Access
- Trading account
- Fees
- 0.2% per trade ex VAT; R35 inactivity condition
The fee figure comes from the provider source linked on this card. It can change.
A contribution limit on the provider page was out of date. Use the SARS limits, not that page.
Advantages
- Broad eligible ETF list
Considerations
- 0.2% brokerage and possible inactivity charge
Information checked 28 October 2026. Confirm the current fees, minimum and account terms with the provider. FSCA authorisation is not shown as confirmed on this card.
Absa Tax-Free Cash
Tax-free cash deposit
A deposit account inside the tax-free rules. It is not a market portfolio.
- Available investments
- Tax-free deposit
- Access
- Bank
- Fees
- Check the provider's current fees
The published fee line is not treated as a confirmed current tariff. Confirm it with the provider.
Advantages
- Published deposit interest rates
Considerations
- Interest rates may change
- Inflation risk
Information checked 28 October 2026. Confirm the current fees, minimum and account terms with the provider. FSCA authorisation is not shown as confirmed on this card.
Allan Gray Tax-Free Investment
Tax-free investment account
Market-linked investments inside the tax-free contribution limits.
- Available investments
- Qualifying unit trusts
- Access
- Direct / adviser
- Fees
- Check the provider's current fees
The published fee line is not treated as a confirmed current tariff. Confirm it with the provider.
Advantages
- Managed fund choice
Considerations
- Active fund fees
- Risk of market loss
Information checked 28 October 2026. Confirm the current fees, minimum and account terms with the provider. FSCA authorisation is not shown as confirmed on this card.
- EasyEquities TFSA. No official logo is shown.
EasyEquities TFSA
Tax-free investment account
Market-linked investments inside the tax-free contribution limits.
- Available investments
- Qualifying JSE ETFs
- Access
- App
- Fees
- Check the provider's current fees
The published fee line is not treated as a confirmed current tariff. Confirm it with the provider.
Advantages
- Wide ETF choice
- Fractional investing
Considerations
- Trading / platform costs and equity volatility
Information checked 28 October 2026. Confirm the current fees, minimum and account terms with the provider. FSCA authorisation is not shown as confirmed on this card.
FNB Tax-Free Cash Deposit
Tax-free cash deposit
A deposit account inside the tax-free rules. It is not a market portfolio.
- Available investments
- Tax-free bank account
- Access
- Bank
- Fees
- Check the provider's current fees
The published fee line is not treated as a confirmed current tariff. Confirm it with the provider.
Advantages
- Bank integration and cash stability
Considerations
- Long-term inflation opportunity cost
Information checked 28 October 2026. Confirm the current fees, minimum and account terms with the provider. FSCA authorisation is not shown as confirmed on this card.
Nedbank Tax-Free Savings
Tax-free cash deposit
A deposit account inside the tax-free rules. It is not a market portfolio.
- Available investments
- Tax-free savings account
- Access
- Bank
- Fees
- Check the provider's current fees
The published fee line is not treated as a confirmed current tariff. Confirm it with the provider.
Advantages
- Deposit product familiarity
Considerations
- Returns may lag global equities
Information checked 28 October 2026. Confirm the current fees, minimum and account terms with the provider. FSCA authorisation is not shown as confirmed on this card.
Old Mutual Tax Free Savings
Tax-free investment account
Market-linked investments inside the tax-free contribution limits.
- Available investments
- Qualifying fund/policy investment
- Access
- Direct / adviser
- Fees
- Check the provider's current fees
The published fee line is not treated as a confirmed current tariff. Confirm it with the provider.
Advantages
- Multiple risk choices
Considerations
- Fees and possible wrapper terms
Information checked 28 October 2026. Confirm the current fees, minimum and account terms with the provider. FSCA authorisation is not shown as confirmed on this card.
- Sanlam Tax-Free Investment. No official logo is shown.
Sanlam Tax-Free Investment
Tax-free investment account
Market-linked investments inside the tax-free contribution limits.
- Available investments
- Qualifying fund investment
- Access
- Direct / adviser
- Fees
- Check the provider's current fees
The published fee line is not treated as a confirmed current tariff. Confirm it with the provider.
Advantages
- Fund choice
Considerations
- Advice, admin, fund charges may apply
Information checked 28 October 2026. Confirm the current fees, minimum and account terms with the provider. FSCA authorisation is not shown as confirmed on this card.
- SatrixNOW TFSA. No official logo is shown.
SatrixNOW TFSA
Tax-free investment account
Market-linked investments inside the tax-free contribution limits.
- Available investments
- Qualifying ETFs
- Access
- Online
- Fees
- Check the provider's current fees
The published fee line is not treated as a confirmed current tariff. Confirm it with the provider.
Advantages
- Index diversity
- TFSA wrapper
Considerations
- Fees and tracking difference
Information checked 28 October 2026. Confirm the current fees, minimum and account terms with the provider. FSCA authorisation is not shown as confirmed on this card.
Standard Bank Tax-Free Investment
Tax-free investment account
Market-linked investments inside the tax-free contribution limits.
- Available investments
- Eligible ETFs
- Access
- Bank / stockbroking
- Fees
- Check the provider's current fees
The published fee line is not treated as a confirmed current tariff. Confirm it with the provider.
Advantages
- Access to multiple ETFs
Considerations
- Transaction fees
- Wrapper restrictions
Information checked 28 October 2026. Confirm the current fees, minimum and account terms with the provider. FSCA authorisation is not shown as confirmed on this card.
- Sygnia Tax-Free Savings. No official logo is shown.
Sygnia Tax-Free Savings
Tax-free investment account
Market-linked investments inside the tax-free contribution limits.
- Available investments
- Qualifying indexed funds
- Access
- Direct
- Fees
- Check the provider's current fees
The published fee line is not treated as a confirmed current tariff. Confirm it with the provider.
Advantages
- Global index options
Considerations
- Product range / charge variation
Information checked 28 October 2026. Confirm the current fees, minimum and account terms with the provider. FSCA authorisation is not shown as confirmed on this card.
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Who holds the investment
A platform administers the account. A fund manager runs the portfolio. A custodian or nominee may hold the securities. Those can be different companies. This page does not confirm the custody contract for each brand.
A unit trust means you hold units in a collective investment scheme. An ETF is also a fund: the units are listed, and they are not the same as owning each underlying share in your own name. A JSE share record is the company, not a broker.
Investments are not government-guaranteed. CODI covers qualifying bank deposits, not unit trusts, ETFs, shares or gold coins. If a provider fails, the outcome depends on the legal structure and the assets, not on a general promise from this site.
SARS tax-free investment limits
From 1 March 2026, the annual contribution limit is R46 000 and the lifetime limit is R500 000. A contribution above the limit can be taxed at 40%. The limits apply across your tax-free investment accounts. Growth is not a contribution. A withdrawal does not restore the room, and an unused annual limit does not carry forward. These figures are general information, not tax advice.
Regulation
An FSCA licence, where one applies, is not a promise of returns and it is not the same category for every firm. No FSP number is printed on these cards. Check the legal entity on the FSCA register before you invest. A share-dealing platform is not automatically an adviser, and a fund manager is not automatically the company that holds your account.
How WiT Money compares these products
Each page keeps its own products. An ETF is not described as a unit trust account, and a gold-mining share is not described as a coin. Empty fees stay blank.
Nothing is sorted as cheapest, best or highest return. The order is alphabetical. A listed name is not a recommendation. No provider is paying for a placement. The button opens the provider's site, or the JSE record where that is the verified link.
Other investment pages
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
- Tax-free investments
South African Revenue Service · checked 28 October 2026
- Rates of tax for individuals
South African Revenue Service · checked 28 October 2026
- Budget 2026 tax guide
South African Revenue Service · checked 28 October 2026