Distribution Channels
General
Item DescriptionFees & Charges
Completion of questionnaire - External Audit CertificateE500.00
STOP PAYMENTS AND DISHONORED ITEMS
Stop payments (in respect of Society cheques at the reques of the applicant)E0.00
Unpaid ChequesE0.00
SEARCH FEES
Search Fee – charge for conducting searches for vouchers and other documents at the request of customersE108.26
ELECTRONIC PAYMENTS
Internet/BOL/FNB transferE75
Internet/BOL/FNB transfer to other countriesE150
CHEQUES
Bank Cheque ifo ClientE0.00
Cheque ifo 3rd PartyE0.00
Cheque opened ifo Client cashed by commercial BanksE0.00
Cheque ifo 3rd Party cashed at BanksE0.00
Encashment of Society cheques (by Society) above Teller limit up to at E40,000)E0.00
Cheque Collection/Deposits: Within Eswatini.E0.00
Outside Clearing Area - Outside EswatiniN/A
CASH HANDLING
Cash Deposit (Personal & Schools)Free
Retail (SME)Free up to E30,000/ day, 1% of amount in excess of E30,000
Wholesale1.50%
LETTER OF INSTRUCTION
Letter of instruction outE65.27
Swift Transfer – an instruction to our bankers to transfer funds using swift at the request of Customers.0.60% ( Min E150, Max E700)
STANDING INSTRUCTIONS
Establishment/ amendment and cancellation of standing order in our systemFree
Establishment of External Standing Orders/ SFI debit ordersE65.00
Establishment of internal Standing OrdersE63.00
Establishment of internal Standing Orders to: investments ( PS/SB/Likwindla)E63.00
Establishment of standing internal instruction to: Litsemba Funeral Insurance coverFree
STANDING ORDER TRANSACTION (EXECUTION) FEE
Standing Order paying investments
(PS/SB/Likwindla)
Free
Third Party -Standing Order (Within SBS)E22.00
Standing order to other Banks E31.08
SFI Debit Order – loan repaymentsFree
Unpaid Stop Orders E100
Unpaid SFI Debit OrdersE100
AMENDMENT OF STANDING INSTRUCTION
Amendment of Standing Orders Free Amendment of SFI Debit orderFree
CANCELLATION OF STANDING INSTRUCTION
Cancellation of standing OrdersFree
Cancellation of SFI Debit orderFree
FUND TRANSFER
Over-the-counter funds transfer (own account) Free
Over-the-counter funds transfer (3rd party) E23.80
Account Maintenance Fees
Item DescriptionFees & Charges
Balance Enquiries E6.22
Statement Printout1 free monthly statement for loans, Other Products E31.00 per page thereafter
Premature ClosureFree
Dormant accounts (To cover advertising costs of unclaimed funds when transferring to Master of the High Court).Free
Early Redemption of Investment
Item DescriptionFees & Charges
Early Redemption of FDRE385.00, Interest will be calculated using ruling Special Call rate. (Not compounded).
Early Redemption of Permanent Shares
Part Redemption of Permanent Shares without notice6% calculated on the withdrawal amount Min. E362.60- Max E2,072.00
Ordinary Savings and Sipatji
Item DescriptionFees & Charges
Collection AccountE36.30
Over-the-counter withdrawal charge1.55%, Min E30
Gold Account & Special Savings
Item DescriptionFees & Charges
1st two withdrawals are free for amounts E20 000 and below, 3rd and subsequent withdrawal charge
1.55%, Min E30
Collection Account
Item DescriptionFees & Charges
Collection Account in respect of School Fees, cash payment1.55%, Min E30
Collection Charge in respect of Monies credited to a collection accountFree
Special Rate Collection Accounts.Free
Transfer from Collection to Other Society ModulesFree
USSD Mobile Banking(*800#)
Item DescriptionFees & Charges
Own account transferFree
Account Balance - screenFree
Mini Statement - screenE4.15
Payments to SBS accountFree
Value Added Services (Prepaid)
Item DescriptionFees & Charges
Airtime Purchase
MTN/ Eswatini Mobile

Data Bundles Purchase - Swazi Mobile E2.28
MTN/ Eswatini MobileE2.28
Electricity PurchaseE5.15
EECE5.15
Water Bill Payment
EWSC - Swazi MobileE5.15
Mobile Money Services
Item DescriptionFees & Charges
Airtime Purchase
MTN/ Eswatini Mobile

Data Bundles Purchase - Swazi Mobile E2.28
MTN/ Eswatini MobileE2.28
Electricity PurchaseE5.15
EECE5.15
Debit Card Charges
Item DescriptionGoldPlatinum/SilverDiamond/Black
Card Issuing Fee /replacement fees E93.24E93.24E93.24
Card Issuing FeeFreeFreeE207.00
Card Monthly FeeE103.60E103.60E103.60
Quarterly Card feesFreeFreeE51.80
Quarterly Card feesE31.08E31.08E31.08
Additional Card Issued E93.24E93.24E93.24
Additional Card Issued E207.00E207.00E207.00
Pin ReplacementE51.80E51.80E51.80
Chargeback disputeE207.20E207.20E207.20
SMS notificationE0.98E0.98E0.98
Change Debit Card Daily Limit FreeFreeFree
POS Decline Fee - DomesticE6.20E6.20E6.20
POS Balance Enquiry - DomesticE8.30E8.30E8.30
POS Purchase - DomesticE6.20E6.20E6.20
POS Cash at TillE20.72E20.72E20.72
ATM Balance Enquiry- Domestic E6.22E6.22E6.22
ATM Funds TransferE6.73E6.73E6.73
ATM Mini StatementE6.22E6.22E6.22
ATM Cash Deposit0 for individual and Free up to E30,000/ day, 1% of amount in excess of E30,000.0 for individual and Free up to E30,000/ day, 1% of amount in excess of E30,000.0 for individual and Free up to E30,000/ day, 1% of amount in excess of E30,000.
ATM Cash WithdrawalE10.00 - E500.00 = E8.81
E510.00 - E1,000 = E13.99
E1,010.00 - E2,000.00 = E26.42
E2,010.00 - E3,000.00 = E35.74 E3,010.00 - Max = 1.55%
E10.00 - E500.00 = E8.81
E510.00 - E1,000 = E13.99
E1,010.00 - E2,000.00 = E26.42
E2,010.00 - E3,000.00 = E35.74 E3,010.00 - Max = 1.55%
E10.00 - E500.00 = E8.81
E510.00 - E1,000 = E13.99
E1,010.00 - E2,000.00 = E26.42
E2,010.00 - E3,000.00 = E35.74 E3,010.00 - Max = 1.55%
ATM Balance Enquiry-Domestic
other Banks
E10.36E10.36E10.36
ATM Cash Withdrawal (customer debit)-Domestic other BanksE51.80 + 1.5%E51.80 + 1.5%E51.80 + 1.5%
ATM Cash Withdrawal (customer debit)-International other BanksE51.80+2.5%E51.80+2.5%E51.80+2.5%
POS Decline fee-Domestic other banksE8.29E8.29E8.29
POS Purchase-Domestic other banksE10.36E10.36E10.36
POS Balance Enquiry-Domestic other Banks E10.36E10.36E10.36
ATM Balance Enquiry-other banks international E10.36E10.36E10.36
POS Decline Fee-Other Banks InternationalE12.43E12.43E12.43
POS Purchase-Other Banks InternationalE10.36 E10.36E10.36
POS Balance Enquiry-Other Banks International E10.36 E10.36E10.36
Online PaymentE12.40 E12.40E12.40
Online Payment Decline FeeE12.40 E12.40E12.40
Union PayE55.00 E55.00E55.00
Lost CardsE93.24E93.24E93.24
ATM Cash DepositFreeFreeFree
Telephone Cost Recoveries
Item DescriptionFees & Charges
Local Landline to LandlineE38.00
Local landline to Cellphone E65.00
International calls: Outside CMA E108.00
International calls: Within CMAE81.00
Stationery Recoveries
Item DescriptionFees & Charges
Fixed Deposit
New IssueFree
Replacement of Lost FDRFree
Other Recoveries
Photocopy FacsimileE25.90 per page E51.80
Scan and EmailE51.80
Property Administration Charges
Item DescriptionFees & Charges
Reminder Letters for missed rentals ( overdue) E51.80
Lease Renewal/New LeasingE285.00
Stamp Duty31 cents for every E100 of the rental amount
Default penaltyPrime plus 2% of the arrear amount
Property Inspection Fees
Item DescriptionFees & Charges
Property Inspection by the Property Consultant / Adhoc Maintenance Related
MbabaneE430.50
Manzini / MatsaphaE609.00
Outlying Areas ( Out of Mbabane / Manzini Corridor)E992.50
Regular Inspection every 2 years
MbabaneE430.50
Manzini / MatsaphaE609.00
Outlying AreasE609.00
Credit
Item DescriptionFees & Charges
General
Consent to cancellation of Mortgage Bond Legal costs plus E326.50
Bond RectificationE311.00
Establishment Fees
Residential mortgage2% min E1,026.00 Max E31,080.00
Commercial Mortgage2% min E2,590.00
Short Loan (E5000 min. loan)1.2% min E207.20 Max.E2,072.00
Sipatji Advance (E5000 min. loan) 2.0% min E310.80 Max. E4,144.00
Home Plan (E5000 min. loan) 2.0% min E259 Max.. E6,216.00
Guaranteed Loans (E5000 min. loan) 2.0% min E259 Max. E6,216.00
Guaranteed Loans – Motor Vehicles2.0% min E259 Max. E6,216.00
Evaluation Fees
Item DescriptionFees & Charges
Loan Administration Fees
Residential Mortgage Vacant LandE72.50 / Month
Residential Mortgage - Developed E72.50 / Month
Commercial Mortgage Loans – Vacant LandE72.50 / Month
Commercial Mortgage Loans – DevelopedE72.50 / Month
Home PlanE72.50 / Month
Short LoanE72.50 / Month
Policy LoanE72.50 / Month
Default Administration Charges
Item DescriptionFees & Charges
Special MentionE54.91
SubstandardE76.66
DoubtE98.42
LossE130.54
Reminder letters (1st , 2nd and final )E51.80
Guarantees
Item DescriptionFees & Charges
Guarantees by the Society (Lending, Performance and Property Guarantees)
Cash Cover1.2% on amount or part thereof Min. E1,079.00
Property Guarantees (Whole transaction is financed by the Society)0.55% on amount or part thereof Min. E1,516.00 Max. E5,835.00
Extension/Amendments E510.00 flat charge
Performance Guarantees1.2% on amount or part thereof Min. E598.00 Max. E1,710.00
Guarantees CancellationE606.00
Guarantees by the Society or Other
Item DescriptionFees & Charges
Tender Bond1.26% on amount or part thereof Min. E598.00 Max. E1,710.00
Mortgage Re-Advance
Item DescriptionFees & Charges
Mortgage Re -Advance - Individuals2%, Min E2,590.00 Max E80,000.00
Mortgage Re -Advance – Corporate2%, MinE2,590.00MaxE80,000.00
Mortgage Re advance interest ratePrime +3%
Building Loans
Item DescriptionFees & Charges
Professional Fees2%, Min E2,590.00 Max E80,000.00
Stage Payments2%, MinE2,590.00MaxE80,000.00
Other Mortgage Related chargesPrime +3%
Deeds Custody1% of the Contract amount Min. E1,347.00 E1, 631.70 per certificate
Cross Border PaymentsE311.00
Outgoing (Customer)E68.38
Outgoing (Non- Customer) E68.38
Incoming (Customer)E20.72
Incoming (Non- Customer)1.55%, Min E103.60
Forex
Item DescriptionFees & Charges
Buy and Sell Cash3% - min E90.00 no Max
Exchange Control ApplicationE450.00
ePocket
Item DescriptionFees & Charges
Send Money from AccountE20 - E500 = E7.25
E501 - E1000 = E8.29
E1001 - E2000 = E10.36
E2001 - E5000 = E15.54
Send Money from ePocketE10.36
ATM Cash Out (First withdrawal up to E5000) Free
ATM Cash Out after first free withdrawalE10 - E500 = E8.81
E510 - E1000 = E13.99
E1001 - E2000 = E26.42
E2010 - E3000 = E35.74
E3010 - Max = 1.55%
ePocket Dormant Fee E5.00
ePocket Reversal FeeE12.00