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Absa

A major South African banking group. Confirm current registration on the SARB registered-banks list.

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About Absa

A major South African banking group. Confirm current registration on the SARB registered-banks list.

Absa is listed on WiT Money where a published comparison uses this name. The products sit in these directories: Banks, Credit providers, Business finance providers, Car finance providers, Home loan providers, Trading platforms.

The linked comparisons are Business bank accounts, Business credit cards, Card machines, Business loans, Asset finance, Business overdrafts, Personal loans, Short-term loans, Emergency loans, Debt consolidation, Student loans, Car finance, Home loans, Home improvement loans, Secured loans, Credit cards, Savings accounts, High-interest savings, Notice accounts, Fixed deposits, Commodities trading.

The source material names Absa Bank Limited. That wording was not re-checked against a register, and the brand on a page can differ from the company on a contract.

A profile is not an endorsement, a rating or a promise that a product is suitable. Registration of a firm does not set the terms of a particular account, policy or investment, and it does not mean the product is free from loss.

Legal name in the source material. Absa Bank Limited

Products and services on WiT Money

These are the published WiT Money records for this name. A company in a large group is not assumed to offer every product sold under a similar brand.

Business bank accounts

  • Business Evolve Lite

    Debit card, digital banking and pay-per-transaction fees

    R50 a month, recorded as the published base account fee. Transaction charges are not included.

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  • Business Evolve PAYT

    Pay-as-you-transact business banking

    R115 a month, recorded as the published base account fee. Transaction charges are not included.

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  • Business Evolve Start

    50 bundled electronic transactions; 2 immediate payments

    R335 a month, recorded as the published base account fee. Transaction charges are not included.

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  • Business Evolve Grow

    85 electronic transactions bundled; business app

    R450 a month, recorded as the published base account fee. Transaction charges are not included.

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  • Business Evolve Excel

    150 electronic transactions; additional bundles

    R725 a month, recorded as the published base account fee. Transaction charges are not included.

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Business credit cards

  • Business Credit Card

    Business payment card; revolving credit terms

    R40 a month, recorded as the published card fee. Interest, cash advances and other charges are not included.

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  • Business Revolve Credit Card

    Revolving access to available credit

    R40 a month, recorded as the published card fee. Interest, cash advances and other charges are not included.

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Card machines

  • Absa Merchant Services

    Card acquiring; POS terminals and merchant services

    Confirm rental, MDR, minimums and contract

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Business loans

  • Business Term Loan

    Credit approval and documentation

    Personalised; confirm all fees

    View the comparison

Asset finance

Business overdrafts

  • Business Overdraft

    Business account and approval

    Negotiable daily-balance interest

    View the comparison

Personal loans

  • Mainstream personal loan

    SA ID 18+; active Absa salary account for stated route

    Personalised; advertised from 13.75% p.a.. Initiation: Confirm quotation. Service fee: Confirm quotation.

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Short-term loans

  • Express Loan

    18+, SA ID; R1,500 monthly income; proof of income; bank account

    Up to 5% monthly first-time / 3% repeat same year (provider wording). Initiation: Applies; figure not confirmed. Service fee: Applies; figure not confirmed.

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  • Instant Loan

    18+; available through supported Absa channels; affordability check

    0–5% for short loan; personalised. Initiation: R80 to 10% of principal excluding VAT (provider wording). Service fee: Not confirmed.

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Emergency loans

  • Instant Loan

    18+, qualifying applicant; online/ATM/cellphone

    0–5% short-loan interest. Initiation: R80 up to 10% excluding VAT. Service fee: Not confirmed.

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  • Express Loan

    18+; income evidence and SA ID

    Provider cites up to 5% monthly first loan. Initiation: Fees apply. Service fee: Fees apply.

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Debt consolidation

  • Switch and Save

    Subject to qualifying existing obligations and affordability

    Personalised; not confirmed. Initiation: Not verified. Service fee: Not verified.

    View the comparison

Student loans

  • Study Loan

    SA citizen/permanent resident; income >R3,000; approved institution; study costs

    Personalised; transactional customers may qualify for prime. Initiation: Not verified. Service fee: Not verified.

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Car finance

  • Instalment Sale Agreement

    Car finance; ownership completion tied to agreement

    Fixed or variable; personalised. Initiation/service charges: verify quote; insurance required

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Home loans

  • Home Loan

    Residential mortgage offerings

    Personalised. Transfer/bond registration and related costs: quote

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Home improvement loans

  • Home Improvement Personal Loan

    Home improvement loans and Cashbuild partnership

    Personalised. Initiation/service and mandatory credit life: verify agreement

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  • Home Loan ReAdvance

    Readvance of existing registered loan

    Mortgage rate/quote. No new bond registration on cited readvance; other charges verify

    View the comparison

  • Further Advance

    Additional registered bond against property

    Home loan rate/quote. Further bond registration costs apply; limited time contribution promotion

    View the comparison

Secured loans

  • Further Advance / ReAdvance

    Mortgage-based equity access

    Personalised mortgage pricing. Further advance legal registration costs; readvance distinct

    View the comparison

Credit cards

  • Absa Gold Credit Card

    Subject to credit and affordability assessments

    R69 monthly card fee, as published. Interest and other charges are not included.

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  • Absa Premium Banking Credit Card

    Subject to credit and affordability assessments

    R115 monthly card fee, as published. Interest and other charges are not included.

    View the comparison

  • Absa Private Banking Credit Card

    Subject to credit and affordability assessments

    R220 monthly card fee, as published. Interest and other charges are not included.

    View the comparison

Savings accounts

High-interest savings

Notice accounts

Fixed deposits

Commodities trading

  • Commodity linked investments / derivatives

    Commodity-linked or structured products depend on account

    Brokerage, exchange/clearing, margin financing and product spread vary

    View the comparison

Published product details

  • Debit card, digital banking and pay-per-transaction fees
  • Pay-as-you-transact business banking
  • 50 bundled electronic transactions; 2 immediate payments
  • 85 electronic transactions bundled; business app
  • 150 electronic transactions; additional bundles
  • Business payment card; revolving credit terms
  • Revolving access to available credit
  • Card acquiring; POS terminals and merchant services

Advantages and considerations

These points come from individual product records. They are not a general review of the company.

Recorded strengths

  • Business Evolve Lite. Low published fee
  • Business Evolve Lite. Digital services
  • Business Evolve PAYT. Flexible for different transaction mixes
  • Business Evolve Start. Predictable bundled package
  • Business Evolve Grow. Larger electronic transaction bundle
  • Business Evolve Excel. Suited to heavier activity
  • Business Credit Card. Published monthly fee and business expense use
  • Business Revolve Credit Card. Published account fee

Recorded limits

  • Business Evolve Lite. Electronic/cash transactions charged separately
  • Business Evolve PAYT. Transaction costs vary with activity
  • Business Evolve Start. Unused bundle may reduce value
  • Business Evolve Start. Excess fees apply
  • Business Evolve Grow. Higher base fee
  • Business Evolve Grow. Cash limits and fees
  • Business Evolve Excel. High monthly fee
  • Business Evolve Excel. Bundles have caps

Fees and costs

  • R50 a month, recorded as the published base account fee. Transaction charges are not included.
  • R115 a month, recorded as the published base account fee. Transaction charges are not included.
  • R335 a month, recorded as the published base account fee. Transaction charges are not included.
  • R450 a month, recorded as the published base account fee. Transaction charges are not included.
  • R725 a month, recorded as the published base account fee. Transaction charges are not included.
  • R40 a month, recorded as the published card fee. Interest, cash advances and other charges are not included.

A missing fee is not shown as R0. Where no figure is published, the price has to come from the provider.

Regulatory information

  • SARB/PA member bank; confirm entity
  • Direct lender
  • Published base account/card fee only; 2026 price guide and all variable fees require checking
  • Bank lender
  • 12-84 months in product; some current-customer terms differ.
  • Provider calls rate 'monthly interest rate (APR)' ambiguously; do not label annual APR.
  • Up to 35 days; term min/max months not precisely 1.
  • Same product as short-term category—avoid double counting unique lenders.

An authorisation, where one exists, is for particular activities. It is not an endorsement by the regulator, and it does not mean a product is suitable.

Compare Absa on WiT Money

Sources and how this profile was reviewed

Research dates on the underlying records run to 29 October 2026. Rebuilding this page did not re-check every register entry.