Ibhange
Ukubhaliswa kwebhange (ugunyazo lokusungula ngaphansi kwesigaba 12, ukubhaliswa ngaphansi kwesigaba 16) Isikhathi Ukuqondiswa kwe-PA: Inqubo ephelele ithatha amasonto angama-6 kuya kwayi-9; ukungena kufanele kwenziwe ngaphakathi kwamasonto ayi-12
Banks Act 94 of 1990, s.12, s.16 and s.18A (foreign institutions); s.37 (shareholding above 15% needs approval) Izinkokhelo ezivunyelwe ngaphansi komthetho 58 wemithetho ephathelene nebhange (ama-amounts awacacisiwe embhalweni we-PA) Akunapasipoti; amabhange angaphandle adinga inkampani encane noma inkontileka egunyazwe ngaphansi kwesigaba 18A. Izidingo ezibalulekile Sources(1) SARB Prudential Authority: Banking licensing in the Republic of South Africa (2021 update) · checked 2026-10-07 Ibhange
Ubhaliso lwebhange olufanayo Imali encane i-USD 601k Imali engenayo encane yi-R10 million Isikhathi Ukuqondiswa kwe-PA ngelayisense lebhange kanye nebhange elihlangene: ngokuvamile amasonto angama-6 kuya kwama-9 Igunya I-Prudential Authority Mutual Banks Act 124 of 1993, s.10 (authorisation to establish) and s.13 (registration) Izinkokhelo ezivunyelwe ngaphansi kweMigomo ephathelene namaBhanki Omphakathi (amanani angacaciswa embhalweni we-PA) Akukho pasipoti. Izidingo ezibalulekile Sources(1) SARB Prudential Authority: Banking licensing in the Republic of South Africa (2021 update) · checked 2026-10-07 Umhlinzeki wezinsizakalo zokukhokha (PSP)
Umhlinzeki wezimali wesithathu (TPPP) kanye nokubhaliswa komsebenzisi wesistimu Imali encane Akukho kushicilelwe Isikhathi Akukho kushicilelwe Igunya I-South African Reserve Bank (imisebenzi yobhaliso isuka ku-PASA iye ku-SARB ngomhla ka-2 kweSonto 2026) 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) Akukho pasipoti. Izidingo ezibalulekile 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 Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)
Umhlinzeki wezinsizakalo zezimali (FSP) ilayisense yezinsizakalo zama-crypto assets Imali encane Akukho kushicilelwe Isikhathi Akukho kushicilelwe Igunya I-Financial Sector Conduct Authority 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 Akukho pasipoti. Izidingo ezibalulekile 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 Inkampani yokutshala imali
Ilayisense lomhlinzeki wezinsizakalo zezimali (FSP) Imali encane Akukho kushicilelwe Isikhathi Akukho kushicilelwe Igunya I-Financial Sector Conduct Authority Financial Advisory and Intermediary Services Act 37 of 2002, s.7 and s.8 Akukho pasipoti. Izidingo ezibalulekile 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 Umhlinzeki wemidlalo ye-inthanethi
Ilayisense lezokugembula lasesifundazweni (i-casino, ukubheja/ukwenza amabhuki, i-bingo, LPM) Imali encane Akukho kushicilelwe Isikhathi Akukho kushicilelwe Igunya Iziphathimandla Zokuhlinzeka Ngelayisense Esifundazweni (ibhodi lemidlalo yekhasino esifundazweni), ngokulandelana kokuhlolwa yiBhodi Lezemidlalo Yezwe National Gambling Act, 2004 (s.11 prohibits interactive games unless authorised by national law) and provincial gambling legislation Akunapasipoti; izilayisense ziyindawo. Izidingo ezibalulekile Sources(1) National Gambling Board: FAQs · checked 2026-10-07 Ama-Supervisors
Ubani olawula I-Prudential Authority (South African Reserve Bank) (PA) · iwebhusayithi amabhange, inshuwalense I-South African Reserve Bank, iSebe leSimo Sokukhokha Sezwe (SARB NPSD) · iwebhusayithi Abahlinzeki bezinsizakalo zokukhokha, Izinhlangano zemali ye-E- I-Financial Sector Conduct Authority (FSCA) · iwebhusayithi Amafemu okutshala imali, abahlinzeki bezinsizakalo zezimali ezibonakalayo (VASPs), amabhange e-FX Isikhungo Solwazi Lwezimali (FIC) · iwebhusayithi aml IBhodi Lezokugembula Lase-Ntshonalanga kanye Neziphathimandla Zokuhlinzeka Ngelayisense Esifundazweni (NGB) · iwebhusayithi ukugembula kwe-inthanethi I-SARB ishicilele umbhalo omusha wemithetho ephathelene nemisebenzi ecacisiwe yokukhokha (ngoMeyi 2026) ozoba yilayisense yezinhlangano zokukhokha ezingaba yibhange ngokuya ngemisebenzi, nombiko wesiqalo semali eyizigidi ezingamaR8 zabakhiqizi bezimali ze-e-Tier 1, amamilione angama-R5 wemali ye-e-Tier 2, amamilione angama-R3 okuthenga, amamilione angama-R2 wokuqalisa ukukhokha, amamilione angama-R2 we-Tier 1 nama-R500,000 we-Tier 2 TPPPs, namamilione angama-R2 we-Tier 1 nama-R500,000 we-Tier 2 wokudluliselwa kwemali. Lezi zibalo ziyimibiko, azisebenzi, ngakho-ke i-min_capital ayisebenzi kulezi zimali. I-SARB iqhubeka ikhombisa iposi lephepha layo lika-01 lonyaka ka-2009 mayelana nemali ye-elektroniki njengenqubomgomo yamanje yemali ye-e; umbhalo omusha womthetho uzodala ilayisenisi yokuqala yomsebenzi yabakhiqizi bezikweletu ezingekho ebhankini. Ukuphawula kwe-PASA njengohlelo lokuphatha uhlelo lokukhokha kwasuswa futhi imisebenzi yayo yokuhlinzeka ngelayisensi yadluliselwa ku-SARB (ushintsho lwaqediwe ngomhla ka-2 kuSepthemba 2026). Abahlinzeki be-OTC derivatives kanye nemininingwane yemakethe babhaliswe yi-FSCA ngaphansi koMthetho Wemakethe Yezezimali 19 ka-2012; akukho inombolo yezimali eqinisekisiwe. Amabhange asebenza ndawonye abhaliswe ngaphansi koMthetho wamabhange asebenza ndawonye ka-2007; amaphesenti awaqinisekiswanga. Izidingo zemali ye-FSP kanye nokunethezeka kwezezimali kanye nezindleko ze-FSCA azikwazi ukubuyiswa kusuka kwikhasi elisemthethweni futhi zigcinwe zingasebenzi. FATF 2026 futhi iphele ngo-Okthoba 2027 (Imali Yombuso).
