South Africa Bank Fee Comparison Calculator

Compare debit/cheque, savings, and student account fees across major banks. See every calculation value: monthly fee, card swipes, EFTs, ATM, branch withdrawals, and cash deposits.

Debit & Cheque Account Calculator

Compare monthly debit and cheque account costs across South African banks using your real transaction behavior.

Your monthly usage profile

All values below are used directly in the comparison table, so you can see exactly how totals are calculated.

Debit orders per monthATM withdrawals per monthBranch withdrawals per monthCard swipes per monthEFT payments per monthCash deposits per month

Best option for your current inputs

Lowest estimated monthly total based on your selected account type and activity profile.

Recommended bank

TymeBank at about R33.00 / month

Best for: Digital users

Monthly feeR0.00

Debit orders (4)R12.00

Card swipes (30)R0.00

EFT payments (4)R0.00

ATM withdrawals (2)R18.00

Branch withdrawals (0)R0.00

Cash deposits (1)R3.00

Estimated totalR33.00

Detailed bank fee comparison table

Nothing is hidden. Every value below uses your exact inputs and each bank's per-transaction rate for the selected account type.

Bank	Monthly Fee	Card Swipes	EFT Payments	ATM Withdrawals	Branch Withdrawals	Cash Deposit Fee	Estimated Monthly Cost	Best For	Apply
TymeBankBest	R0.00 Free	R0.00 30 x R0.00	R0.00 4 x R0.00	R18.00 2 x R9.00	R0.00 0 x R0.00	R3.00 1 x R3.00	R33.00	Digital users	Apply
Capitec	R7.00 Medium	R0.00 30 x R0.00	R6.00 4 x R1.50	R16.00 2 x R8.00	R0.00 0 x R18.00	R4.00 1 x R4.00	R47.00	Low fees	Apply
Absa	R85.00 High	R0.00 30 x R0.00	R11.00 4 x R2.75	R22.00 2 x R11.00	R0.00 0 x R23.00	R5.00 1 x R5.00	R140.00	Balanced features	Apply
Standard Bank	R90.00 High	R0.00 30 x R0.00	R12.00 4 x R3.00	R23.00 2 x R11.50	R0.00 0 x R24.00	R5.50 1 x R5.50	R148.50	Traditional users	Apply
FNB	R95.00 High	R0.00 30 x R0.00	R12.00 4 x R3.00	R22.00 2 x R11.00	R0.00 0 x R25.00	R5.00 1 x R5.00	R150.00	Premium banking	Apply

Formula used for each bank: monthly fee + (debit orders x debit-order fee) + (card swipes x swipe fee) + (EFTs x EFT fee) + (ATM withdrawals x ATM fee) + (branch withdrawals x branch fee) + (cash deposits x cash deposit fee).

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