Banking
Bank fees compared: FNB vs Capitec vs TymeBank (2026)
The real monthly cost of operating each account, once usage patterns are factored in.
In this guide
Headline pricing on bank accounts hides as much as it reveals. We modelled three realistic SA usage profiles to find the true winner.
The profiles
- Student: 4 swipes, 2 EFTs, 1 ATM withdrawal/month
- Professional: 18 swipes, 8 EFTs, debit orders
- Family: Multiple users, international purchases
Winners
- Student: TymeBank (R0 effective)
- Professional: Capitec Global One
- Family: FNB Premier — see travel rewards comparison
Related
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