Àwọn Ìjọbá

South Africa

South Africa ni sektori owo ti o tobi julọ ati ti o dagbasoke julọ ni Afirika, pẹlu awoṣe ti awọn oke meji: Ile-iṣẹ Prudential ni inu Banki Irin-ajo South African ṣe iwadii awọn banki ati awọn insurers, ati pe Ile-iṣẹ Iṣẹ-ṣiṣe Iṣowo n ṣe iwadii iṣe ọja ati awọn olupese iṣẹ ifowopamọ. O jẹ ọkan ninu awọn orilẹ-ede akọkọ lati mu awọn akojopo crypto wọle si iwe-aṣẹ, nipa fifiranṣẹ awọn ohun-ini crypto bi ọja owo ni ọdun 2022.

Fẹ́là RísikoÀkànṣe

FATFKò wa ní àtòjọ

EU AML àtòjọ àìdájú gigaKò wa ní àtòjọ

Awọn akojọ owo-ori EUKò wa ní àtòjọ

License regimes6

Awọn owo-ìwọ̀nZAR

Àwọn ìṣàmúlò-ètòNN

Awọn idibo to n bọtòjú 2029

South Africa jẹ lori FATF grey list from February 2023 until it exited on 24 October 2025 and was not relist at the 17 to 19 June 2026 plenary; it was removed from the EU high-risk list by Delegated Regulation (EU) 2026/83, reflected in the consolidated list applying from 29 January 2026, and is not in Annex I of the EU tax list as of 17 February 2026. Checked 7 October 2026.

Ìjọba àti ìṣàlàyé

Gomina: Republic of the Congo
Prezidanti: Cyril Ramaphosa · lati oṣu kọkanla 2018
Prezidanti: Cyril Ramaphosa (African National Congress)
Àwọn ààyè-iṣẹ́: Gomina ti National Unity ti o wa nipasẹ African National Congress pẹlu Democratic Alliance, Inkatha Freedom Party, Patriotic Alliance, Freedom Front Plus ati awọn ẹgbẹ kekere miiran
Awọn idibo to kẹhin: Igbàyélèpó (Igbimọ́ Ajọṣepọ̀ Nàíjíríà atí awọn agbẹjọró ipinlẹ̀), 29 Oṣù Kejìlá 2024
Awọn idibo to n bọ: Àwọn ìgbàyélú tí a fi pẹ̀lú́ 2029. Àwọn ìgbàyélú gomina ààyè-iṣẹ́ nínú ipari 2026 atí ibẹrẹ 2027
Àwọn Ìṣàmúlò-ètò: Parliament: National Assembly (400 seats) ati National Council of Provinces (90 delegates)
Siséèsì Ìjọba: Iṣẹ́dà mimọ́ ti ẹ̀yàn sivili Romu-Dutch, ẹ̀yàn aladugbò-àjọba Ingẹ̀sì àti ẹ̀yàn ajọṣe

Economics and finance

Awọn eniyan: 64.7m (2025)
Ìjánu-ìsún: USD 427.1bn (2025)
GDP fun ẹni kọọkan: USD 6,769 (2025)
Awọn owo-ìwọ̀n: South African rand (ZAR)
Central Bank of Nigeria: South Africa
Àwọn ìṣàmúlò-ètò: S&P BB (positive) · Moody's Ba2 (positive) · Fitch BB (stable) (gẹ́gẹ́ bì Oṣu kọkanla 2026)

Eko ti o tobi julọ ni Afirika, ti a kọ lori mimu, iṣelọpọ ati awọn iṣẹ, pẹlu Johannesburg ti o jẹ ile-ifowopamọ ti o tobi julọ ni orilẹ-ede naa ati eto banki ti o dara julọ.

Àwọn Irinṣẹ́

Iforukọsilẹ banki (ijẹrisi lati ṣeto labẹ s.12, iforukọsilẹ labẹ s.16)

Awọn ohun-ini ti o kere juUSD 15m

AgbègbèIgbakeji Aare: ni gbogbogbo, ilana naa gba odun 6 si odun 9; a gbọdọ ṣe iforukọsilẹ laarin odun 12 lati igba ti a fun ni ẹtọ lati ṣeto.

Awọn Iṣẹ́Iṣẹ́ Aṣàfilọ́lẹ̀, pẹlú igbẹkẹlé ti FSCA

Owo-ori ti o kere ju miliọnu R250 fun awọn banki ati fun awọn ile-iṣẹ tabi awọn ẹka ti awọn banki ajeji; iye owo ti o kere julọ ti o yẹ ni 11.5% ati iye owo ti o kere julọ ni 4% (Directive 6 of 2017)

Àwọn Ìṣẹ́: Banks Act 94 of 1990, s.12, s.16 and s.18A (foreign institutions); s.37 (shareholding above 15% needs approval)
Àwọn Irinṣẹ́: Awọn owo-ori ti a fọwọsi labẹ ofin 58 ti awọn ilana ti o ni ibatan si awọn banki (awọn iye ti ko sọ ninu itọnisọna PA)
Ìfihàn: Ko si iwe irinna; awọn banki ajeji nilo ile-iṣẹ agbegbe tabi ẹka ti a fọwọsi labẹ s.18A.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn ti wọn n beere gbọdọ jẹ ile-iṣẹ ijọba labẹ ofin awọn ile-iṣẹ 71 ti ọdun 2008.
Ìsẹ́ àwọn ààyè-iṣẹ́ meji: ìgbàjójútó fún ìṣàfarawe-ìṣẹ́, láti pẹ̀lú ìṣàfihàn nínú oṣù 12
Awọn adari ti o tọ ati ti o tọ, awọn aṣoju-iṣe ati awọn oludokoowo to ṣe pataki; ko si ifowopamọ lori 15% laisi fọwọsi
Awọn iṣẹ-iṣe, iṣakoso ibajẹ, iṣakoso ati awọn fọọmu owo-ori/agbara ti o gbajumọ si PA
Awọn banki tuntun ti a ṣeto le rii i pe o ni iye owo ti o ga julọ ninu awọn ọdun akọkọ wọn

Sources(1)

SARB Prudential Authority: Banking licensing in the Republic of South Africa (2021 update) · checked 2026-10-07

Àwọn Irinṣẹ́

Iforukọsilẹ banki ti o yatọ

Awọn ohun-ini ti o kere juUSD 601kÀwọn ààyè-iṣẹ́ ìsàlẹ̀-ilà R10 milionu

AgbègbèImọ-iṣe PA fun awọn iwe-aṣẹ banki ati banki ti o ni ibatan: ni gbogbogbo 6 si 9 osu

Awọn Iṣẹ́Àwọn Ìṣàmúlò-ètò

Àwọn Ìṣẹ́: Mutual Banks Act 124 of 1993, s.10 (authorisation to establish) and s.13 (registration)
Àwọn Irinṣẹ́: Àwọn ẹ̀yàn tí a kọ̀ nínú àwọn Ìgbàra-ètò to bá jẹ́ ibatan sí Bankí Ìmọ̀pọ̀ (awọn iye tí kò sọ̀kalẹ̀ nínú àkọsílẹ̀ PA)
Ìfihàn: Ko si iwe irinna.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ọ̀rọ̀júrítì tí a fi pamọ́ fún àwọn onínọmbà rẹ̀, tí wọ́n jẹ́ àwọn mẹtà nípa ìṣàfarawe-àjọṣepọ̀
Awọn ẹtọ ti ara ẹni wa lati ofin awọn banki igbẹkẹle, kii ṣe ofin awọn ile-iṣẹ
Awọn ireti ti o tọ ati ti o tọ, iṣakoso ati iṣakoso rirọpo bi awọn banki ṣe

Sources(1)

SARB Prudential Authority: Banking licensing in the Republic of South Africa (2021 update) · checked 2026-10-07

Ààyè-iṣẹ́ iṣẹ́ ifowopamọ́ (PSP)

Ààyè-iṣẹ́ àwọn ìṣàmúlò-ètò ẹ̀yàn kẹtà (TPPP) àti àkọsílẹ̀ òǹlò sítàmú

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́South African Reserve Bank (awọn iṣẹ iforukọsilẹ ti gbe lati PASA si SARB ni Oṣu Kẹrin Ọjọ 2, Ọdun 2026)

Àwọn Ìṣẹ́: National Payment System Act 78 of 1998; SARB Directive No. 1 of 2007 (payments to third persons, Government Gazette 30261 of 6 September 2007); Directive No. 2 of 2007 (system operators)
Ìfihàn: Ko si iwe irinna.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn eniyan ti o gba owo tabi awọn itọnisọna isanwo lati awọn oludokoowo lati sanwo fun awọn eniyan kẹta gẹgẹbi abuda ti o wọpọ ti iṣowo wa labẹ Directive 1 ti ọdun 2007
Nigbati 2 Seneti 2026, TPPPs ti wa ni iforukọsilẹ pẹlu PASA nipasẹ ile-ifowopamọ wọn; awọn iforukọsilẹ ti o wa bayii jẹ deede
Ìṣàmúlò-ètò tuntun náà nípa àwọn ìṣẹ̀dá PASA tí a tì kọ́ lọ́wọ́lọ́wọ́ titi ti SARB fi ṣàfihàn Ìgbàra-ẹ̀yàn Ààjọṣe rẹ̀

Sources(4)

SARB: Directive No. 1 of 2007, payments to third persons · checked 2026-10-07
SARB: PSMB transition · checked 2026-10-07
SARB: Payments regulation · checked 2026-10-07
SARB NPSD: Draft Directive in respect of specified payment activities (May 2026) · checked 2026-10-07

Àwọn ààyè-iṣẹ́ ìṣàmúlò-ètò aimọye (VASP)

Àwọn iṣẹ́ owo-ìpamọ́ (FSP) líǹkì fún àwọn iṣẹ́ ẹ̀yàn crypt

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́Àwọn Ìṣàmúlò-ètò

Àwọn Ìṣẹ́: Financial Advisory and Intermediary Services Act 37 of 2002, s.7(1) and s.8, read with the FSCA Declaration of crypto assets as a financial product (Government Gazette, 19 October 2022); Financial Intelligence Centre Act, 2001, Schedule 1 item 22
Ìfihàn: Ko si iwe irinna.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ko si ẹnikẹni ti o nfun imọran tabi awọn iṣẹ amọja lori awọn ohun-ini crypto bi ẹya deede ti iṣowo gbọdọ jẹ FSP ti a fọwọsi tabi aṣoju kan
Ìdájọ́, ìgbàra-ọ̀fẹ́, ìṣowo nínú àwọn agbẹ́já, àwọn pánẹ́ẹ̀lì ìṣowo, ìfilọ́wọ́, ìbára-ìtàn atí àṣẹ
Awọn aṣoju iṣẹ-ṣiṣe ti awọn ohun-ini crypto jẹ awọn ile-iṣẹ ti o ni igbẹkẹle labẹ ofin FIC ati pe wọn gbọdọ forukọsilẹ pẹlu FIC ati ṣiṣe AML/CFT awọn eto
Awọn ohun-ini Crypto kii ṣe owo tabi ifunni ofin ati pe o wa ni ita NPS Act (SARB ati FSCA Joint Communication, 28 May 2026)

Sources(3)

SARB NPSD: Joint Communication, crypto assets for domestic payment purposes (28 May 2026) · checked 2026-10-07
FIC: Directives and accountable institution sectors (Item 22, crypto asset service providers) · checked 2026-10-07
gov.za: Financial Advisory and Intermediary Services Act 37 of 2002 · checked 2026-10-07

Firma idoko-owo

Àwọn iṣẹ́ owo-ìpamọ́ (FSP)

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́Àwọn Ìṣàmúlò-ètò

Àwọn Ìṣẹ́: Financial Advisory and Intermediary Services Act 37 of 2002, s.7 and s.8
Ìfihàn: Ko si iwe irinna.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

A nilo fun ẹnikẹni ti o nfun imọran tabi ṣe awọn iṣẹ amọja lori awọn ọja owo (awọn ipin, awọn ohun-ini ti o yatọ, awọn idoko-owo igbẹkẹle ati, lati ọdun 2022, awọn ohun-ini crypto)
Awọn eniyan pataki ati awọn aṣoju gbọdọ pade awọn ibeere ti o tọ ati ti o tọ
Awọn aṣofin igbẹjọro ati FIC Act ni a ti fipamọ bi ile-iṣẹ ti o ni ẹtọ

Sources(2)

gov.za: Financial Advisory and Intermediary Services Act 37 of 2002 · checked 2026-10-07
gov.za: Financial Markets Act 19 of 2012 · checked 2026-10-07

Olùgbéejáde ere-idaraya nípa intanẹẹti

Laisínsì àìṣeré ilé-ìṣẹ́ (kaadí-ìpamọ́, ìforúkọsílẹ̀/àwọn ayẹyẹ́, bingo, LPM)

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́Ijọba ipinlẹ ti o fun ni iwe-aṣẹ (awọn ẹgbẹ ere idaraya agbegbe), pẹlu igbẹkẹle ti a ṣe nipasẹ Ile-iṣẹ Ere idaraya Orilẹ-ede

Àwọn Ìṣẹ́: National Gambling Act, 2004 (s.11 prohibits interactive games unless authorised by national law) and provincial gambling legislation
Ìfihàn: Ko si iwe irinna; awọn iwe-aṣẹ jẹ agbegbe.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn ere oni-nọmba ori ayelujara ti o ni ibatan si awọn ere itatẹtẹ ko gba laaye labẹ s.11 ti ofin Gambling National
Oju opo wẹẹbu ere idaraya ni ofin nikan pẹlu bookmaker ti a fọwọsi nipasẹ ijọba agbegbe kan
Awọn ile-iṣẹ ere idaraya jẹ awọn ile-iṣẹ ti o ni ibatan labẹ ofin FIC

Sources(1)

National Gambling Board: FAQs · checked 2026-10-07

Àwọn Aṣàfilọ́lẹ̀

Àwọn Ìṣàfilọ́lẹ̀

Prudential Authority (South African Reserve Bank) (PA) · websitebanks, Insurance
South African Reserve Bank, National Payment System Department (SARB NPSD) · websitePayment service providers, E-money institutions
Awọn ile-iṣẹ ifowopamọ (FSCA) · aaye ayelujaraAwọn ile-iṣẹ idoko-owo, awọn olupese iṣẹ ohun-ini kọnputa (VASPs), FX brokers
Ìjánu-ìròyé Ìjọba (FIC) · wé-ìwé-iṣẹ́aml
Àwọn Ìjọ́bà Aṣàfilọ́lẹ̀ Ọ̀sẹ̀ (NGB) ojú-ìwéÀwọn Ìṣàmúlò-ètò

Payments reform: the SARB published a draft Directive on specified payment activities (May 2026) that would license non-bank payment institutions by activity, with draft initial capital of R8 million for Tier 1 e-money issuers, R5 million Tier 2 e-money, R3 million acquiring, R2 million payment initiation, R2 million Tier 1 and R500,000 Tier 2 TPPPs, and R2 million Tier 1 and R500,000 Tier 2 money remittance. Àwọn yìí ní àwọn ìṣàmúlò-ètò ìṣàfihàn, tí a kò bá jẹ́ lágbára iṣẹ́, bẹ́ẹ̀ min_capital jẹ́ òótọ́ fún àwọn pàtó. SARB tun n ṣalaye iwe ipo rẹ 01 ti 2009 lori owo e-owo bi eto owo e-owo lọwọlọwọ; ajọṣepọ yii yoo ṣe agbekalẹ iwe-aṣẹ iṣẹ akọkọ fun awọn ti o fi owo-ẹya wọle ti ko jẹ banki. Imọ PASA bi ẹgbẹ iṣakoso eto isanwo ti yọ kuro ati awọn iṣẹ lilọ kiri rẹ lọ si SARB (transition ti pari 2 September 2026). Awọn olupese OTC derivative ati awọn eto-ẹkọ ọja ti a fọwọsi nipasẹ FSCA labẹ Financial Markets Act 19 of 2012; kò si àwọn ìṣàmúlò-ètò àìdájú. Awọn banki ifowosowopo ni a ti forukọsilẹ labẹ ofin awọn banki ifowosowopo, 2007; Àwọn ààyè-ìwé kò tí a fọwọ́sì. FSP capital ati awọn iwulo ti o ni aabo owo-iworo ati awọn idiyele FSCA ko le gba pada lati oju opo wẹẹbu osise ati pe a fi silẹ. Iwadii FATF ti o tẹle ti South Africa ni a ro pe yoo bẹrẹ ni idaji akọkọ ti 2026 ati pari ni Oṣu kọkanla 2027 (National Treasury).

Àwọn Àtòjọ-ẹ̀yàn Gbogbogbo

South Africa

Ààyè-iṣẹ́ àwọn ìkúnrégé ilẹ̀. Pétì náà jẹ́ ìṣàfihàn.

Ìbàlẹ̀: Awọn orilẹ-ede ti o ni ijọba
Ọ̀kọ̀ọ̀kan: Pretoria (ìjọba); Cape Town (ìjọba); Bloemfontein (ìjọba)
Ilu ti o tobi julọ: Johannesburg
Agbègbè: 1,219,090 km²
Awọn ede Ofin: isiZulu, isiXhosa, Afrikaans, Sepedi, Setswana, English, Sesotho, Xitsonga, siSwati, Tshivenda, isiNdebele, South African Sign Language
Zone Time: UTC+02:00

Àwọn àgbéwọlé ìṣàfihàn

golden
Ìṣàmúlò-ètò
Ìjáde
awọn ọkọ ayọkẹlẹ
Irin

Àwọn ìṣàfihàn ààyè-iṣẹ́

China
United States
Germany
Ìnda
Àwọn Ìṣàmúlò-ètò

Sources for the country information(8)

Àwọn ìròyìn ààyè-iṣẹ́ orilẹ-ede tí a ṣayẹwo ní ọjọ́ kọkanlá 9, ọdun 2026. Àtòjọ-ẹ̀yàn líǹkì tí a pàṣẹ́ ní ọjọ́ kọkanlá 7, ọdun 2026. Àwọn ìròyìn nikan, kò jẹ́ àgbekalẹ̀ ofin; àwọn ìṣàmúlò-ètò kùnà. Àkọ́lé àwọn ìṣàmúlò-ètò.

Sources for the licensing information(6)

National Treasury: South Africa exits the FATF greylist on 24 October 2025 · checked 2026-10-07
NZ DIA: FATF jurisdictions under increased monitoring, June 2026 · checked 2026-10-07
EUR-Lex: Commission Delegated Regulation (EU) 2026/83 · checked 2026-10-07
EUR-Lex: Commission Delegated Regulation (EU) 2023/1219 (adding South Africa) · checked 2026-10-07
EUR-Lex: Delegated Regulation (EU) 2016/1675, consolidated version of 29 January 2026 · checked 2026-10-07
European Commission: EU updates list of non-cooperative tax jurisdictions (17 February 2026) · checked 2026-10-07