After you sign the agreement and DebiCheck, CrediWise pays into the verified SA account on your application — must be in your own name.
Verify NCRCP22496 on ncr.org.za before you share banking details or sign.
Disbursement speed by method
| Method | Speed | Cost | Cap |
|---|---|---|---|
| Same-bank credit | Instant | Free | n/a |
| Real-Time Clearing (RTC) to another bank | 30–60 seconds | Often free | R5 million per transaction |
| Standard EFT | Under 2 hours | Free | Bank-specific |
| Overall payout target: same day to 24 hours, depending on approval time and your bank's clearing. |
Verify NCRCP22496 on ncr.org.za before you share banking details or sign.
Requirements for a smooth payout
- Account in your own name, matching SA ID
- Correct account and branch at application
- DebiCheck approved in your banking app before payout
- No third-party accounts
Verify NCRCP22496 on ncr.org.za before you share banking details or sign.
If money has not arrived
Can I change the receiving account after approval? Only after re-verification via support; account must stay in your name.
What if the bank rejects the deposit? Support will verify details and re-issue payment.
What if I applied after banking hours? Payout queues for release when banking systems reopen next business day.
Verify NCRCP22496 on ncr.org.za before you share banking details or sign.
FAQ — Receiving funds
How fast is the typical CrediWise payout? Mostly same day to 24 hours once DebiCheck is confirmed.
Does CrediWise support all major South African banks? Yes — Capitec, FNB, Standard Bank, ABSA, Nedbank and other major banks.
Is there a fee for faster disbursement? No — speed depends on approval timing and bank processing, not an extra fee.