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South African banking apps compared



Since FNB first launched its banking app in South Africa in 2011, consumer use of app-based banking has soared as the major banks continuously find new ways to interact with clients digitally.

Building on from simple transactions, banking apps now play host to a variety of different features – going as far as being fully transactional accounts in their own right.

Across the various banking apps are several basic banking services including simple payments, transferring funds, prepaid airtime, data and electricity and accessing statements and support.

The graphic below outlines the availability of general services on banking apps. Green indicates the service or functionality being fully available, with red indicating it is not available at all. Orange indicates limited services.

For example, the Nedbank App Suite doesn’t have access to forex trading or transfers, but it does provide information on forex and daily rates. The Old Mutual app, meanwhile, will send notifications about other services, not necessarily allowing customers to apply via the app itself.

Banking Apps at a glance

Below, we’ve looked at the more detailed features of the banking apps, including some of the more unique selling points. Note: this is not a ranking or a direct comparison.


Being the forerunner of app banking in South Africa, FNB’s banking app has had the longest time to develop and evolve over the years, and as such has the widest functionality of all the retail banking apps.

In more recent years, the app has incorporated FNB’s share trading platform as well as the Nav suite, which gives users access to a host of additional services like licence renewals and home evaluations and money management systems.

Customers can do all basic banking transactions, and includes GEO payments.

Along with Nedbank, it is currently only one of the two banks that lets clients play Lotto through the app.

  • Accounts and balances
  • Payments and transfers
  • Buy airtime, electricity, LOTTO
  • Access to coupons, vouchers and specials
  • eWallet and cardless cash withdrawals
  • Global payments and forex
  • GEO payments
  • Digital on-boarding (selfie banking)
  • inContact secure messaging
  • Share trading, buying Krugerrands
  • Additional services through FNB Connect, Nav Home, Nav Car and Nav Money

Standard Bank

Standard Bank doesn’t have one mobile app that serves as a platform for its services, but rather opts for different apps that can be linked together.

The native banking app performs all the basic banking transactions, but can be further linked to its securities app for share trading functionality.

This differs from FNB, which handles share trading through the native app, but ultimately provides the same functionality. Forex, meanwhile is handled similarly through the Shyft Global Wallet.

  • Make local and international payments and transfers
  • Change your payment limits
  • Buy data, airtime and SMS bundles
  • Buy pre-paid electricity
  • Send cash vouchers to anyone with a cellphone
  • Stop lost or stolen cards, and order new ones
  • Get pre-approval on car financing
  • Manage your car and home loans
  • Submit and track building insurance claims
  • Get stamped statements, bank letters and tax certificates
  • Open savings accounts
  • View your Stanlib investments
  • Link your accounts to your share trading profile


Nedbank has a banking app and share trading platform which forms part of its App Suite.

On top of the basic banking functionality, more recently, the bank has added Scan to Pay and cross-border payment functionality, as well as making it easier for customers to apply for loans.

Along with FNB and Standard Bank, Nedbank is the only other bank to currently offer extensive share trading capabilities – with the group’s share trading platform giving clients access to their portfolios.

Customers can view their order book or cost and current prices. They can place or cancel orders and then trade by clicking on ‘buy’ or ‘sell’, and delve into unit trusts.

Along with FNB, it is currently only one of the two banks that lets clients play Lotto through the app. Another unique feature is allowing for the payment of eBills and SARS filing through the suite.

  • A variety of banking functions can be performed
  • Tailor-made electronic banking for business with Netbank Business
  • Access to Share trading portfolios
  • Prepaid purchases
  • Manage investments on the go, access investment portfolios
  • Find Nedbank Branches or ATMs nearest to you, secure chat and important contact numbers
  • View and calculate forex rates of various currencies
  • Calculate Home loan, Motor Finance or Personal loan repayments
  • Apply for other Nedbank products
  • Monitor price fluctuations of shares listed on the JSE

Old Mutual

Old Mutual’s Money banking app gives customers access to basic banking functionality, as well as insights into their investment portfolios.

The account has a transactional aspect, and a savings account which is backed by a unit trust. Funds in the savings account can be accessed at any time.

The app also gives access to the MyPortfolio service, which tracks investments, saving, personal cover and retirement portfolios.

  • Switch your cards on and off immediately in case of loss or theft
  • Buy airtime, data and electricity
  • Pay your beneficiaries – even when you’re out of airtime
  • Make quick payments to other Money Account holders using their cell-phone numbers only
  • Transfer money between accounts
  • View your accounts, balances and transaction history
  • View Savings and Investments, Personal Cover, Retirement, Income, and Valuables Insurance portfolios
  • Deposit cash into your Money Account at any Shoprite, Checkers, Usave, Pick n Pay or Boxer store


Capitec’s banking app offers all of the basic banking services and gives access to budgeting tools to help clients manage their money better.

With the group adding credit services, it also provides an overview of a client’s credit ratings, along with advice on how to improve their scores.

  • Do payments and transfers
  • Buy airtime, data, SMS bundles, electricity
  • Pay a Capitec Bank client using their verified cellphone number
  • Pay DStv accounts
  • Add, sort, update and delete beneficiaries
  • Add recurring (stop orders) and future-dated payments
  • View transaction or beneficiary payment history
  • Do credit facility transfers
  • Stop and/or dispute debit orders
  • Email electronically stamped statements
  • View credit plan balances and details
  • Do credit facility transfers
  • View your credit rating and ways to improve it
  • Step-by-step guide to create your budget
  • Track your spending on the go and take control of your money
  • Apply for funeral cover


Along with a brand overhaul in 2018, Absa also released a new banking app, along with a host of other mobile banking functionality (like WhatsApp banking and the ‘app account‘).

Its app, however, is still building up to the same level of functionality of its old version, with new features being added all the time.

While the app currently covers the basic functionality (payments, transfers, statements and support), it recently added access to more services, like applying for overdrafts and funeral cover, and easier access to functionality while travelling abroad.

  • View account balances
  • Pay people once off or save them as beneficiaries to pay later
  • Transfer money between your Absa accounts.
  • Buy prepaid airtime, data or electricity for yourself or anyone else.
  • Stop and replace a credit or debit card when it gets lost.
  • Limit a card to till point use, online use or no use at all with Temporary Lock
  • Get stamped statements via the App
  • Share banking details with people who need to pay you with a tap.
  • Get money without a card from any of Absa’s ATMs with CashSend. Receivers don’t need to have a bank account to collect the money.
  • Increase or decrease your banking limits easily.
  • Buy funeral cover

Bidvest Bank

Bidvest Bank’s Grow Account is the new kid on the block, and as such the group’s accompanying banking app lacks the more advanced functions of some of the banking groups that have played in the retail sector for a longer time.

However, the bank has adopted a fully digital approach with the account, with customers able to open an account without having to step foot into a branch, and the promise of opening up the world of investment on the go.

While the functionality is not currently available on its banking app, the bank has a partnership with EasyEquities for an investment account attached to its Bidvest Grow Account, which may come to mobile platforms at a later date.

  • View accounts and their balances
  • View previous transactions
  • Pay another Grow Account holder by using their mobile number
  • Inter-account transfers between accounts
  • Make a once-off payment to any beneficiary
  • Pay an existing beneficiary or add and pay a new beneficiary
  • Prepaid services
  • Deposit cash into your Grow Account at any standard Shoprite, Checkers, Usave or Boxer store
  • Change your card status for safety reasons
  • Manage your savings

Read: Mboweni gives thumbs up to new finance bill that will shake up SA’s banking sector

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Riot police squads intervene as pro-Israel and pro-Palestinian protesters clash in Montreal




People wave flags atop cars in traffic during a demonstration to voice support for the people of Palestine, at Toronto City Hall in Toronto, Ontario, Canada, on 15 May 2021.

People wave flags atop cars in traffic during a demonstration to voice support for the people of Palestine, at Toronto City Hall in Toronto, Ontario, Canada, on 15 May 2021.

  • Violence
    between pro-Israel and pro-Palestine protesters in Montreal was condemned by
    Canadian Prime Minister Justin Trudeau.
  • Montreal’s
    city police force intervened and declared the protests illegal after tensions
    heightened and clashes broke out.
  • Israeli
    strikes killed 42 Palestinians in the Gaza Strip on Sunday, the worst daily
    toll in almost a week of clashes.

– Canadian Prime Minister Justin Trudeau on Sunday condemned the violence and
“despicable rhetoric” that marked several weekend protests throughout
the country, after clashes between pro-Israel and pro-Palestinian protesters in

worst violence in years, sparked by unrest in Jerusalem, is raging between the
Jewish state and Islamist militants.

strikes killed 42 Palestinians in the Gaza Strip on Sunday, the worst daily
toll in almost a week of deadly clashes.

after protests in Montreal, Trudeau condemned what he said was “despicable
rhetoric and violence we saw on display in some protests this weekend”.

insisting on the “right to assemble peacefully and express themselves
freely in Canada”, Trudeau stressed in a tweet that there was no tolerance
for “antisemitism, Islamophobia, or hate of any kind”.

on Sunday, Montreal police used tear gas following clashes between pro-Israel
and pro-Palestinian protesters.

hundred demonstrators, draped in Israeli flags, had gathered in a central
Montreal square to express solidarity with the Jewish state.

‘Protesting is a right’

the protest started peacefully, tensions ratcheted up with the arrival of
pro-Palestinian demonstrators and clashes soon broke out.

SPVM, Montreal’s city police force, declared the protests illegal, and squads
of riot police intervened, using tear gas to separate and disperse the two
groups, according to an AFP journalist at the scene.

police spent much of the afternoon in pursuit of the pro-Palestinian
protesters, who spread out and regrouped in commercial streets in the city centre.

the clashes, Montreal Mayor Valerie Plante said on Twitter that
“protesting is a right”, but that “intolerance, violence and
anti-Semitism have no place here”.

She said:

Montreal is a city of peace.

thousand pro-Palestinian demonstrators had gathered on Saturday in central
Montreal to denounce what they said were Israeli repression and “war
crimes” in Gaza.

Israel”, some protesters chanted, while others held up a banner that read,
“Stop the genocide of Palestinian children”.

protests happened the same day in multiple Canadian cities, including Toronto,
Ottawa and Vancouver.

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Peter Thiel Helps Fund an App That Tells You What to Do




“How would you feel about being able to pay to control multiple aspects of another person’s life?” asks the BBC.

“A new app is offering you the chance to do just that.”

When writer Brandon Wong recently couldn’t decide what takeaway to order one evening, he asked his followers on social media app NewNew to choose for him. Those that wanted to get involved in the 24-year-old’s dinner dilemma paid $5 (£3.50) to vote in a poll, and the majority verdict was that he should go for Korean food, so that was what he bought…

NewNew is the brainchild of Los Angeles-based entrepreneur Courtne Smith. The app, which is still in its “beta” or pre-full release stage, describes itself as “a human stock market where you buy shares in the lives of real people, in order to control their decisions and watch the outcome”. For many of us that sounds a bit ominous, but the reality is actually far less alarming. It is aimed at what it calls “creators” — writers, painters, musicians, fashion designers, bloggers etc. It is designed as a way for them to connect far more closely with their fans or followers than on other social media services and, importantly, monetise that connection…

Whenever a vote is cast the creator gets the money minus NewNew’s undisclosed commission… In addition to voting, followers can also pay extra — from $20 — to ask a NewNew creator to do something of their choosing, such as naming a character in a book after them. But the creator can reject all of these “bids”, and if they do so then the follower doesn’t have to part with the money…

Co-founder and chief executive Ms Smith, a 33-year-old Canadian, has big plans for NewNew, and has some heavyweight backers. Investors include Peter Thiel, the billionaire co-founder of PayPal, and the first outside person to put money into Facebook. Others with a stake in the business include leading US tech investment fund Andreessen Horowitz, and Hollywood actor Will Smith (no relation to Courtne). Snapchat has also given technical support.

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Sandpapergate will haunt Australia cricket forever: ex-bowling coach




Cameron Bancroft. (Photo by Brenton Geach - Gallo Images/Getty Images)

Cameron Bancroft. (Photo by Brenton Geach – Gallo Images/Getty Images)

The 2018 ball-tampering scandal will haunt Australian cricket forever, much like the infamous underarm delivery of 40 years ago, the team’s former bowling coach David Saker said on Monday.

Saker was responding to opening batsman Cameron Bancroft suggesting that Australia’s bowlers knew about the plan in Cape Town to alter the ball which earned him a nine-month ban and rocked the game.

Saker was Australia’s bowling coach when Bancroft was caught trying to rough up the ball with sandpaper during the third Test against South Africa.

While refusing to be drawn on who knew what, Saker said “the finger-pointing is going to go on and on and on”.

“It’s like the underarm, it’s never going to go away,” he told Fairfax Media, referring to a 1981 incident when Trevor Chappell bowled underarm to ensure New Zealand lost a one-day match at the Melbourne Cricket Ground.

The notorious delivery is still cited in New Zealand and in cricketing circles as a prime example of unsporting conduct.

However, the ball-tampering scandal – dubbed “sandpapergate” – had a greater impact on Australian cricket, with the then-captain Steve Smith and his deputy David Warner suspended for a year from all cricket and stripped of their leadership roles.

Darren Lehmann also quit as coach and all the top brass from Cricket Australia left after a scathing review blasted their “arrogant and controlling” win-at-all-costs culture.

No one else among the team or coaching staff was held to account but Bancroft’s remarks in an interview with The Guardian newspaper hinted that the team’s bowlers at least knew about the plan.

“Obviously what I did benefits bowlers and the awareness around that, probably, is self-explanatory,” he said.

Saker added: “There was a lot of people to blame. It could have been me to blame, it could have been someone else. It could have been stopped and it wasn’t, which is unfortunate.

“Cameron’s a very nice guy. He’s just doing it to get something off his chest … He’s not going to be the last.”

In response, Cricket Australia said that if anyone had new information, they would look into it.

Saker said he was not opposed to a fresh investigation but added “I just don’t know what they’re going to find out.”

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Mexico’s Andrea Meza crowned Miss Universe




Miss Universe Andrea Meza

Miss Universe Andrea Meza





1. Mexico

2. India

3. Brazil

4. Dominican Republic

5. Peru



1. Jamaica 

2. Dominican Republic 

3. India

4. Peru 

5. Australia 

6. Puerto Rico

7. Thailand

8. Costa Rica

9. Mexico

10. Brazil





1. Columbia

2. Peru 

3. Australia 

4. France

5. Myanmar

6. Jamaica 

7. Mexico 

8. Dominican Republic 

9. USA

10. Indonesia 

11. Argentina 

12. India

13. Curaçao

14. Puerto Rico

15. Phillipines 

16. Brazil

17. Great Britain

18. Nicaragua

19. Thailand 

20. Costa Rica

21. Vietnam



74 contestants will compete for the title of Miss Universe on 16 May in Hollywood, Florida. 

The Miss Universe pageant takes place on 16 May in the US (02:00 to 05:00 on 17 May SA time). The show will be broadcast live on 1 Magic (DStv Channel 103) with a repeat at 21:30. 

Reigning Miss Universe Zozibini Tunzi of South Africa will crown her successor at the end of the event.

Representing South Africa is Natasha Joubert, and South Africans are hoping for the “magic double” – back-to-back consecutive wins, which has only happened once before in the pageant’s history.

Natasha wowed crowds at the national costume competition last week and on Friday impressed during the preliminary round

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Miss Mexico crowned Miss Universe 2021




By AFP Time of article published 16m ago

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Washington – Miss Mexico was crowned Miss Universe on Sunday in Florida, after fellow contestant Miss Myanmar used her stage time to draw attention to the bloody military coup in her country.

Sunday night marked the Miss Universe competition’s return to television, after the pageant was cancelled in 2020 for the first time due to the coronavirus pandemic.

Andrea Meza, 26, finished first ahead of the Brazilian and Peruvian finalists in a flashy televised event, hosted by American actor Mario Lopez and television personality Olivia Culpo.

Former Miss Universe contestants Cheslie Kryst, Paulina Vega and Demi-Leigh Tebow (who won the title in 2017) served as competition analysts and commentators, and a panel of eight women determined the winner.

Dressed in a sparkling red evening gown, Meza tearfully walked the catwalk as Miss Universe for the first time, before rushing back for a group hug with the other competitors.

Meza beat more than 70 contestants from around the globe in the 69th installment of Miss Universe, which was held at the Hard Rock Hotel & Casino in Hollywood, Florida.

In the days leading up to the final competition, Miss Myanmar Thuzar Wint Lwin, who made the top 21, made waves when she used her time in the spotlight to bring attention to the coup in her country.

“Our people are dying and being shot by the military every day,” she said during her biographical video, which showed photos of her taking part in the anti-coup protests. “Therefore I would like to urge everyone to speak out about Myanmar.”

Natasha Joubert, Miss Universe South Africa 2020 competes on stage in Ema Savahl swimwear during the MISS UNIVERSE® Preliminary Competition.

She also won the award for best national costume: during that competition segment on Thursday, she wore an outfit beaded in traditional Burmese patterns and held up a sign that said, “Pray for Myanmar.”

Myanmar has been in uproar since February 1, when the army ousted civilian leader Aung San Suu Kyi.

At least 796 people have been killed by security forces since then, according to a local monitoring group, while nearly 4 000 people are behind bars.

Miss Singapore Bernadette Belle Ong – who did not make the top 21 – also used the national costume portion to make a political statement.

Dressed in a glittering red bodysuit and matching thigh-high boots, she turned around to reveal her cape – in the colours of the Singaporean flag – was painted with the words “Stop Asian Hate.”

“What is this platform for if I can’t use it to send a strong message of resistance against prejudice and violence?” she wrote on Instagram alongside pictures of her outfit.

The United States in particular has seen a surge in anti-Asian violence in the past year, which activists have blamed on former president Donald Trump’s rhetoric, especially his repeated description of Covid-19 as the “China virus.”

The pageant has also drawn criticism in the past for objectifying the contestants.

In recent years, the competition has shifted image, focusing more on female empowerment and activism.

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