Money answers for South Africa
Each question has a short answer. The link opens the full card, then the official page.
What happens if I apply for several credit cards at the same time in South Africa?
A credit bureau records enquiries on your credit record. The National Credit Regulator says an enquiry entry includes how many requests were made and the name of the company that asked. Those enquiry records are kept for two years.
What is debt counselling in South Africa?
Debt counselling is a regulated process under South African credit law. The NCR explains the process and keeps a register of debt counsellors. This page does not decide whether debt counselling is right for you.
Can I get my credit record and dispute an error in South Africa?
The National Credit Regulator says consumers can obtain a free credit record each year and challenge inaccurate information through the published process.
How do I stop a new credit account in my name in South Africa?
The National Credit Regulator says you can obtain your credit record and challenge inaccurate information.
What should I do when SARS sends an auto-assessment in South Africa?
SARS says to review the third-party information used in the assessment. If information is wrong or missing, follow the current SARS filing route to correct it. MiSalvo never calculates or files your tax.
Which tax records should I keep in South Africa?
SARS says tax records must be kept safely and in an orderly form for the period that applies.
How do I search for an unclaimed retirement benefit in South Africa?
The FSCA keeps a search of unclaimed retirement benefits. You enter a name, a surname, an identity number, and, where you have them, the fund and the employer. A match gives the contact details of the fund or the administrator.
What does the Reserve Bank say about sending money from South Africa?
The exchange control guidelines describe a single discretionary allowance. A resident who is 18 or older, and who holds a valid green bar-coded identity document or a smart identity card, may use that allowance through an Authorised Dealer.
Where is the official South African page if an organisation has not kept my information safe?
The Information Regulator publishes how to lodge a POPIA complaint if you believe your personal information was processed in a way that breaks the Act.
Can I look up whether my papers were in a leak in South Africa?
South Africa does not publish a public list of every person in an organisation's leak. The Information Regulator complaints page is published consumer guidance. This page does not check your name.
What is a will in South Africa?
A will is a document that says who should inherit your property after you die, under South African rules on the Master of the High Court site.
Why do people make a will in South Africa?
The Master of the High Court says a will can name an executor and beneficiaries. Without a will, the Intestate Succession Act decides who inherits. MiSalvo does not tell you whether you need a will.
What happens if someone dies without a will in South Africa?
When someone dies without a valid will, intestacy rules apply and the Master of the High Court supervises estate reporting.
How do people usually make a will in South Africa?
Many people use an attorney. The Master publishes guidance on valid wills and witnesses. MiSalvo never writes a will for you.
How is a will different from a power of attorney in South Africa?
A will applies after death. A power of attorney lets someone act while you are alive under separate rules. They solve different problems.
Where should a will be kept safe in South Africa?
The Master says keep the original will secure and tell your executor where it is. MiSalvo stores copies you capture.
What is a deceased estate in South Africa?
After a death, the estate is reported to the Master of the High Court. Letters of executorship may be issued so the executor can deal with assets. Procedural only.
Other languages: Español, Español (España), Français, Français (France), 中文, Tiếng Việt, Deutsch, Italiano, 한국어, Nederlands, Português, Português (Portugal)
Money
Plain answers to everyday money questions, with official links. Not advice.
*Salvo and Vault access require a subscription.