Many South Africans wonder about getting loans through the SASSA EasyPay Green Card. The EasyPay Green Card operates independently and is not associated with SASSA. SASSA has clarified that there is no connection between them and EasyPay. This article explains everything you need to know about EasyPay loans and how they really work.
SASSA EasyPay Loans Are Not SASSA Products
SASSA itself doesn’t provide any loans, you can apply for Shoprite or Capitec loans or apply for a SASSA Grant. The confusion comes because EasyPay targets SASSA grant recipients for their loan services. EasyPay declared in an official statement that they would only accept loan applications from SASSA beneficiaries. People misinterpreted this statement, thinking that SASSA was using EasyPay to provide loans to its recipients.
EasyPay is a private company owned by Net1. They offer loans with interest rates, while SASSA only provides social grants. SASSA, a South African Social Security Agency, deals with registering and providing financial assistance to needy citizens, depending on the approved grants. It also does not offer any loans.
What Is The EasyPay Green Card
EasyPay South Africa, a privately owned company that provides various financial solutions to people in South Africa who dont have access to conventional banking services, offers this prepaid debit card. The card works like a Mastercard for online and in-store shopping.
The EasyPay Green Card gives you these features:
- Withdraw cash from ATMs
- Make purchases at shops
- Check your balance using USSD
- Transfer money between accounts
- Access to EasyPay loans
How Much Can You Borrow Through EasyPay
You can borrow amounts ranging from R410 to R1050, depending on your eligibility. The loan amounts are small because they target people who receive SASSA grants.
Loan amounts range from R100 to R2000 according to some sources, but most recent information shows the R410 to R1050 range for SASSA beneficiaries.
EasyPay Loan Requirements
To qualify for an EasyPay loan, you must meet these requirements:
- Be 18 years or older
- South African citizen with valid ID
- Must be an EasyPay Everywhere account holder for at least the last three months
- Must be an approved SASSA grant beneficiary
- Provide bank statement for last three months
- Must have an SASSA-endorsed Postbank bank confirmation letter
How To Apply For EasyPay Loans
Mobile Application Method
From your mobile, you need to dial 1203737#. Once the USSD code runs through, it will ask for your ID number. Follow these steps:
- Dial *120*3737*7# from your registered phone
- Enter your South African ID number
- Select loan application option
- Choose your loan amount
- Enter your EasyPay card PIN
- Confirm loan terms and conditions
Online Application Method
Open your browser and go to the EasyPay Everywhere official website: epe-online.co.za. You need to register first if you don’t have an account.
Required information for online application:
- 16-digit EasyPay card number
- South African ID number
- Email address
- EasyPay card PIN
High Interest Rates Warning
Compared to traditional loan firms in South Africa, the interest rate is approximately 164%, and the service cost is approximately 31% of the initial amount. This means if you borrow R1000, you might pay back much more.
Six months are given to you for loan repayment after you receive it. The loan repayments get deducted automatically from your SASSA grant payments.
How To Get An EasyPay Green Card
To apply for the EasyPay Green Card:
- Visit the closest Net 1 CPS pay point in your area
- Bring your mobile phone and FICA documents
- Present your Smart ID card or green ID book
- Provide proof of address (utility bill under 3 months old)
- Complete biometric verification (photo and fingerprints)
- Wait for card approval (usually same day)
- Set your PIN and sign agreement
EasyPay Green Card vs SASSA Card Differences
| Feature | SASSA Card | EasyPay Green Card |
|---|---|---|
| Issuer | SASSA (Government) | EasyPay (Private company) |
| Purpose | Grant payments only | General financial transactions |
| Loans | No loans available | Loans with high interest |
| Eligibility | Must qualify for grants | Any South African citizen |
| Cost | Free for grant recipients | Various fees apply |
Common EasyPay Problems
Many users report these issues:
- Unauthorized Deductions: You may encounter unauthorized and unlawful deductions, specifically taking loans from Moneyline or any other entity affiliated with EasyPay.
- Poor Customer Service: X posts from March 2025 show users griping about unresponsive helplines. One tweeted, “Three days, no fix—EasyPay’s a mess.”
- Balance Problems: Some people have reported complaints against EasyPay Green Card for mishandling their cases in terms of showing wrong balances and poor customer support.
SASSA Fraud Warnings About Loan Scams
Beneficiaries receive loan offers from strangers who request their SASSA card as collateral. After providing the card, these individuals either withdraw your entire grant payments or charge you a substantial amount every month for repayment, trapping you in debt.
Never give your SASSA card to anyone as loan collateral. Remember, it’s illegal for anyone to hold your SASSA card as collateral.
Report any fraud immediately to the SASSA helpline at 0800 60 10 11.
Better Loan Alternatives
Instead of high-interest EasyPay loans, consider these options:
- Shoprite Loans: Lower interest rates for basic needs
- Capitec Personal Loans: Up to R250,000 with credit insurance
- African Bank: Flexible terms and competitive rates
- Finbond Mutual Bank: R500 to R20,000 loans
Visit these banks directly rather than using third-party loan services.
How To Check Your EasyPay Balance
From the phone number you supplied, dial *120*3737# to get in touch with them. Provide the PIN associated with our EasyPay Green Card. It will inform you of the exact amount that is still outstanding on your card.
You can also check your balance through:
- EasyPay mobile app
- www.epe-online.co.za website
- Any EasyPay retail outlet
FAQs About SASSA EasyPay Green Card for Loan
Is EasyPay Green Card the same as SASSA card?
No, the EasyPay Green Card is completely different from SASSA cards. EasyPay is a private company while SASSA cards come from the government.
Can I get SASSA grants through EasyPay Green Card?
No, you cannot receive SASSA grants through the EasyPay Green Card. SASSA grants are paid through official SASSA cards or your bank account only.
What happens if I cannot repay my EasyPay loan?
EasyPay deducts loan repayments automatically from your SASSA grant. This can leave you with very little money for basic needs each month.
How long does EasyPay loan approval take?
Funds are usually disbursed within 24 to 48 hours after approval. However, you must meet all requirements first.
Can I apply for EasyPay loan without being SASSA beneficiary?
While EasyPay originally targeted SASSA beneficiaries, The Easypay Green Card is not exclusive to SASSA recipients, despite Easypay’s initial announcement that they would only permit beneficiaries to apply for loans.
Yes, besides the 164% interest rate, there are service costs of about 31% of the loan amount. Read all terms carefully before signing.
Can I pay off my EasyPay loan early?
Yes, Easypay Loans generally allow early repayment without penalties. Contact their customer service for early settlement amounts.
What documents do I need for EasyPay Green Card application?
You need your South African ID, proof of address under 3 months old, and proof of SASSA grant if you are a beneficiary.
Conclusion
The EasyPay Green Card offers loans to SASSA beneficiaries, but these come with extremely high costs. Interest rates of 164% plus service fees make these loans very expensive. SASSA has no connection to EasyPay and does not recommend their services.
Before taking any loan, consider if you really need it. Look for alternatives like bank personal loans with lower interest rates. If you decide to proceed with EasyPay, read all terms carefully and understand the total cost of borrowing.
