Distribution Channels
General
Item Description Fees & Charges
Completion of questionnaire - External Audit Certificate E500.00
SEARCH FEES
Search Fee – charge for conducting searches for vouchers and other documents at the request of customers E108.26
ELECTRONIC PAYMENTS
Internet transfer (Local Banks) E78.15
Internet transfer (International)< E156.30
CASH HANDLING
Cash Deposit (Personal & Schools) Free
Letter of instruction E68.01
Swift Transfer – an instruction to our bankers to transfer funds using swift at the request of Customers. 0.63% ( Min E156.30, Max E729.40)
+65.65
STANDING INSTRUCTIONS
Establishment/ amendment and cancellation of standing order in our system Free
Establishment of External Standing Orders/ SFI debit orders E67.73
Establishment of internal Standing Orders E65.65
Establishment of internal Standing Orders to: investments ( PS/SB/Likwindla) E65.65
Establishment of standing internal instruction to: Litsemba Funeral Insurance cover Free
Standing Order paying investments (PS/SB/Likwindla) Free
Third Party -Standing Order (Within SBS) E22.92
Standing order to other Banks E32.39
SFI Debit Order – loan repayments Free
Unpaid Stop Orders E100
Unpaid SFI Debit Orders E100
Amendment of Standing Orders Free
Amendment of SFI Debit order Free
Cancellation of standing Orders Free
FUND TRANSFER
Over-the-counter funds transfer (own account) Free
Over-the-counter funds transfer (3rd party) E24.80
Account Maintenance Fees
Item Description Fees & Charges
Balance Enquiries E6.48
Statement Printout 1 free monthly statement, For Additional statements, E10.00 per page
Premature Closure Free
Dormant accounts Free
New issue of Fixed Deposit Receipts Free
Replacement of lost Fixed Deposit Receipts Free
Early Redemption of Investment
Item Description Fees & Charges
Early Redemption of Fixed Deposit Receipts E401.17, Interest will be calculated using ruling Special Call rate. (Not compounded).
Early Redemption of Permanent Shares
Part Redemption of Permanent Shares without notice 6% calculated on the withdrawal amount Min. E377.83- Max E2,159.02
Ordinary Savings and Sipatji
Item Description Fees & Charges
Monthly Management Fees E37.82
Over-the-counter withdrawal charge 1.62%, Min E31.26
Gold Account & Special Savings
Item Description Fees & Charges
1st two withdrawals are free for amounts E20 000 and below, 3rd and subsequent withdrawal charge 1.62%, Min E31.26
Collection Account
Item Description Fees & Charges
Collection Account in respect of School Fees, cash payment Free
Collection Charge in respect of Monies credited to a collection account Free
Special Rate Collection Accounts. Free
Inter account transfers Free
Commercial Services
Commercial - Sipatji for business
Monthly Management FeesE104.20
Cash Handling
Retail SME’s Sipatji for Business AccountFree up to E30,000/ day, thereafter 1% of amount in excess of E30,000.
Wholesale1.50%
General
External Audit CertificateE500.00
Early Redemption of Permanent Shares
Part Redemption of Permanent Shares without notice6% calculated on the withdrawal amount Min. E382.91 Max: E3000
Establishment Fees
Commercial Mortgage2% min E2590
Loan Administration Fees
Commercial Mortgage Loans – Vacant Land E75.55 / Month
Commercial Mortgage Loans – Developed E75.55 / Month
Consent to cancellation of Mortgage Bond E340.21
Bond Rectification E324.06
Guarantees
Property Guarantees (Whole transaction is financed by the Society)0.55% on amount or part thereof Min. E1,600.90 
Performance Guarantees1.2% on amount or part thereof Min. E631.49 
Tender Bond1.26% on amount or part thereof Min. E631.49 
Mortgage Re- Advance
Mortgage Re -Advance – Commercial/Corporate2%, Min E2 698.78 Max E83 360
Building Loans
Professional Fees 1% of the Contract amount Min. E1,403.57
USSD Mobile Banking(*800#)
Item DescriptionFees & Charges
Own account transferFree
Account Balance - screenFree
Mini Statement - screenE4.32
Payments to SBS accountFree
Value Added Services (Prepaid)
Item DescriptionFees & Charges
Airtime Purchase
MTN/ Eswatini Mobile

Data Bundles Purchase E2.38 per E100, Max E6
Airtime PurchaseE2.38 per E100, Max E6
Electricity PurchaseE5.37 per E100, Max E6
EECE5.37 per E100, Max E6
Water Bill Payment
EWSCE5.37 per E100, Max E6
Mobile Money Services
Item DescriptionFees & Charges
ATM Mobile Money cash out E10 - E500 = E9.17
E501 - E1000 = E14.58
E1001 - E2000 = E27.53
E2001 - E3000 = E37.24
E3001 - E5000 = E47.42
E5001 - E8000 = 1.1%
MOMO Pull (SBS to MOMO)1.67%, Min E31.26
MOMO Push (MOMO to SBS) Free
Debit Card Charges
Replacement / Secondary Card feesE97.16
Replacement / Secondary Card fees (Diamond card) E207.00
Card Monthly Fee (Diamond card) E107.95
Quarterly Card fees (Diamond card) E51.81
Quarterly Card fees (Gold & Platinum) E31.08
Pin Replacement E53.98
Chargeback dispute E207.20
SMS notification E0.99
Change Debit Card Daily Limit Free
In-Branch change of Debit Card Limit E10.00
Debit Card transacting at SBS ATM 
ATM Cash Withdrawal E10 - E500 = E9.18 E501 - E1000 = E14.58 E1001 - E2000 = E27.53 E2001 - E3000 = E37.24 E3001 - E5000 = E47.42 E5001 - E8000 = 1.1% 
ATM Balance Enquiry E6.22
ATM Funds TransferFree
ATM Mini StatementE6.48 
ATM Cash DepositFree
Domestic transacting - other Banks ATM
ATM Balance Enquiry E10.80
ATM Cash WithdrawalE53.98 +1.52%
Transacting International - other Banks ATM 
ATM Balance EnquiryE10.80
ATM Cash WithdrawalE53.98 +2.53%
POS Domestic
Balance EnquiryE6.46
Decline FeeE8.65
POS Cash at Till E21.59
POS domestic other banks
POS Decline FeeE8.64
POS PurchaseE10.36
Balance EnquiryE10.36
POS other banks International
POS Decline FeeE12.95
POS PurchaseE10.80
POS Balance EnquiryE10.80
Online transacting
Online PaymentE12.92 
Online Payment Decline FeeE12.92
Union Pay- (Acquiring)
Debit card acquiring E57.31
Telephone Cost Recoveries
Item DescriptionFees & Charges
Local Landline to LandlineE38.00
Local landline to Cell phone E65.00
International calls: Outside CMAE108.00
International calls: Within CMAE81.00
Stationery Recoveries
Item DescriptionFees & Charges
Fixed Deposit
New IssueFree
Replacement of Lost FDRFree
Other Recoveries
PhotocopyE26.99 per page
Scan and EmailE20.00
Property Administration Charges
Item DescriptionFees & Charges
Reminder Letters for missed rentals ( overdue) E53.98
Lease Renewal/New LeasingE296.97
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 / Ad hoc Maintenance Related / Regular Inspection every 2 years
MbabaneE516.60
Manzini / MatsaphaE730.80
Outlying Areas ( Out of Mbabane / Manzini Corridor)E1,191.00
Credit
Item DescriptionFees & Charges
General
Consent to cancellation of Mortgage Bond E340.21
Bond RectificationE324.06
Establishment Fees
Residential mortgage (Individuals and SME's) 2.0% (Max E8 000 for loans up to E2 million and Max E16 000 for loans above this threshold)
Short Loan (E5000 min. loan)2.0% (Max.E7 000)
Sipatji Advance (E5000 min. loan) 2.0% (Max.E7 000)
Home Plan (E5000 min. loan) 2.0% (Max.E8 000)
Guaranteed Loans (E5000 min. loan) 2.0% (Max.E7 000)
Guaranteed Loans – Motor Vehicles2.0% (Max.E7 000)
Evaluation Fees
Item DescriptionFees & Charges
Loan Administration Fees
Residential Mortgage Vacant LandE75.55/ Month
Residential Mortgage - Developed E75.55/ Month
Commercial Mortgage Loans – Vacant LandE75.55/ Month
Commercial Mortgage Loans – DevelopedE75.55/ Month
Home PlanE75.55/ Month
Short LoanE75.55/ Month
Sipatji Advance / USDF E75.55/ Month
Guaranteed loans - Motor vehiclesE75.55/ Month
Default Administration Charges
Item DescriptionFees & Charges
Special MentionE57.22
SubstandardE79.88
DoubtE102.55
LossE136.02
Reminder letters (1st , 2nd and final )E53.98
Guarantees
Item DescriptionFees & Charges
Guarantees by the Society (Lending, Performance and Property Guarantees)
Cash Cover1.2% on amount or part thereof Min. E1124.32
Property Guarantees (Whole transaction is financed by the Society)0.55% on amount or part thereof Min. E1,579.67 Max. E6080.07
Extension/Amendments E531.42
Performance Guarantees1.2% on amount or part thereof Min. E623.12 Max. E1,781.82
Guarantees CancellationE631.45
Tender Bond 1.26% on amount or part thereof Min. E623.12 Max. E1,781.82
Mortgage Re-Advance
Item DescriptionFees & Charges
Mortgage Re -Advance - Individuals and SME2.0% (Max E8 000 for loans up to E2 million and Max E16 000 for loans above this threshold)
Building Loans
Item DescriptionFees & Charges
Professional Fees1% of the Contract amount Min. E1,403.57
Stage PaymentsE1700.23 per certificate
Deeds CustodyE324.06
Cross Border Payments
Outgoing (Customer)E68.38
Outgoing (Non- Customer) E68.38
Incoming (Customer)E20.73
Incoming (Non- Customer)1.55%, Min E103.61
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 = E7.55
E501 - E1000 = E8.64
E1001 - E2000 = E10.80
E2001 - E5000 = E16.19
Send Money from ePocketE10.80
ATM Cash Out (First withdrawal up to E5000) Free
ATM Cash Out after first free withdrawalE10 - E500 = E9.18
E501 - E1000 = E14.58
E1001 - E2000 = E27.53
E2001 - E3000 = E37.24
E3001 - E5000 = E47.42
E5001 - E8000 = 1.1%
ePocket Dormant Fee E5.00
ePocket Reversal FeeE12.00