Capitec Global One
4.7
Why it winsHighest editor score (4.7/5) across cover, value and service.
Bank Accounts
Best bank accounts in South Africa
Compare everyday bank accounts from Capitec, TymeBank, FNB, Discovery Bank and Standard Bank — monthly fees, card swipes, cash withdrawals and rewards.
Written by
MoneyWise Editorial Team
SA Personal Finance Desk
Fact-checked
Faatimah Hendricks, CFP®
Independent reviewer
Last updated
3 August 2026
4 bank accounts providers
DisclosureSome providers below are paid partners. Rankings reflect editor scoring — see how we review.
What matters most
What to look for in a bank accounts provider
- 1Editor score across price, cover and customer service.
- 2Independent customer-satisfaction data (SAcsi, Ombudsman).
- 3Transparent fees and no lock-in clauses.
- 4Match to your situation — best-for tags reflect real use cases.
Editor's awards
Best bank accounts for…
Our analysts ranked every option on price, cover, claims experience and rewards. These won their categories.
TymeBank EveryDay
4.5
Why it winsTrusted SA name with strong claims handling and digital-only banking focus.
- Editor's pick
Capitec Global One
Single low monthly fee
4.7Low feesR7.50 pm TymeBank EveryDay
No monthly account fee
4.5Digital-only bankingR0 pmFNB Easy Zero / Aspire
eBucks rewards
4.3RewardsFrom R0 – R109 pmDiscovery Bank Transaction Account
Discovery Miles on everyday spend
4.2Everyday rewardsFrom R80 pm
Ready to compare bank accounts?
Spec sheet
Side-by-side comparison
Compare the exact bank accounts features that matter — prices, cover, rewards and more — column by column.
| Bank Accounts providers | C Capitec Global One 4.7 Editor | T TymeBank EveryDay 4.5 | F FNB Easy Zero / Aspire 4.3 | D Discovery Bank Transaction Account 4.2 |
|---|---|---|---|---|
| Best for | Low fees | Digital-only banking | Rewards | Everyday rewards |
| Monthly fee | R0 | R56 | R41 | R95 |
| Own-bank ATM withdrawal | Free | R6.80 | R9.70 | R7.70 |
| Card swipe fee | Free | Free | Free | Free |
| Rewards programme | No | Included | Included | No |
| FX markup | 2.15% | 4.35% | 2.65% | 2.45% |
| Linked savings rate | R3800/yr | R3000/yr | R4200/yr | R4200/yr |
| App rating | 3.8 | 4.2 | 3.9 | 4.7 |
| Apply |
C
Capitec Global One
Low fees
4.7
- Monthly fee
- R0
- Own-bank ATM withdrawal
- Free
- Card swipe fee
- Free
- Rewards programme
- No
- FX markup
- 2.15%
- Linked savings rate
- R3800/yr
- App rating
- 3.8
T
TymeBank EveryDay
Digital-only banking
4.5
- Monthly fee
- R56
- Own-bank ATM withdrawal
- R6.80
- Card swipe fee
- Free
- Rewards programme
- Included
- FX markup
- 4.35%
- Linked savings rate
- R3000/yr
- App rating
- 4.2
F
FNB Easy Zero / Aspire
Rewards
4.3
- Monthly fee
- R41
- Own-bank ATM withdrawal
- R9.70
- Card swipe fee
- Free
- Rewards programme
- Included
- FX markup
- 2.65%
- Linked savings rate
- R4200/yr
- App rating
- 3.9
D
Discovery Bank Transaction Account
Everyday rewards
4.2
- Monthly fee
- R95
- Own-bank ATM withdrawal
- R7.70
- Card swipe fee
- Free
- Rewards programme
- No
- FX markup
- 2.45%
- Linked savings rate
- R4200/yr
- App rating
- 4.7
Spec values are indicative and standardised for comparison. Confirm details with each provider before applying. See our methodology.
Information is indicative. Always confirm directly with the provider and read the policy schedule before purchase. MoneyWise may earn a commission when you click through.
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