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This agreement applies to all accounts held with eZaga Holdings (Pty) Ltd (Reg. No. 2017/149149/07), an authorised Alliance Partner of Grobank Limited (Reg. No. 1947/025414/06), an authorised Financial Services Provider (FSP 5865) and constitutes an agreement between the account holder (“the client”) and any account user, and eZaga Holdings (Pty) Ltd. In these rules “you” or “your” refers to the client and/or the account user, as the context requires, and “us”, “our” or “we” only refers to eZaga Holdings (Pty) Ltd. These rules must be read in conjunction with any other applicable terms & conditions that apply to your relationship with us. If you use the account, we can assume you have accepted this agreement.


Applications for new accounts or services are subject to our approval. Before approving an account, we can investigate the client and or users of the account. We may also require supporting documentation, including the client’s founding documentation. We may conduct checks to verify any information you provide, to ensure that the client meets our criteria and/or to comply with legislation. You agree that we may send and receive positive and negative information, about you as we may require from time to time, to or from credit bureaus, government or similar agencies, as part of our checking processes.


Only authorised account users may access the account. We are entitled to act on all instructions from those persons the client has nominated as account users and to debit such transactions and for the actions and/or omissions of its account users. We are not liable for any delays in the payment or transfer of funds because of restrictions that apply to account users or access rights, whether such restrictions were set by the client or imposed by eZaga (Pty) Ltd, for security and other risk management purposes.

The client must acquaint itself with the restrictions and risks associated with granting persons access to its accounts and settling access rights on such accounts. The client must provide correct and up to date information about its account users. The client is responsible for deciding and checking the access rights given to account users. If an account is closed all account users’ access rights on that account will automatically terminate. This will not affect an account user’s right to access the client’s remaining accounts.


eZaga Holdings (Pty) Ltd does not provide a credit facility.


eZaga Holdings (Pty) Ltd may change your account’s interest rate without prior notice, if appropriate and justified.


We can charge the client for our services. We will debit the fees to the client’s account(s), in line with the pricing agreed between you and us or according to our published fees. We can change our fees from time to time. We will give you reasonable notice of such changes.


Transactions and fees are reflected on the client’s account statement which you can access via our App. You have 30 (thirty) days from the date of statement (or the date of the transaction), whichever occurs first, within which to dispute any transaction or fee appearing on your statement. If you don’t do this, we can assume it is correct. We will not be held liable for any loss or damage you suffer because of the unauthorised use of or disclosure of your statements if you do not receive your statements.


We can bring any action against you for a claim that may arise under this agreement in the Magistrate’s Court, even if the amount we claim from you exceeds the jurisdiction of that Court. You will pay all our expenses in recovering any amounts you owe us, including legal costs on the attorney and client scale, collection charges, tracing fees and VAT.

Terms and Conditions

Transactional Accounts


We may send you any correspondence by mail to your residential, postal or electronic address or the last known address we have on record for you. You agree that legal notices and summonses can be served at your physical/registered address or any address we have on record for you. You must notify us of any changes to any of your addresses, including your postal or street address, email, and fax or phone numbers.

You can do this via any eZaga Holdings (Pty) Ltd Zone, you can find the nearest eZaga Zone via the App, or the eZaga Holdings (Pty) Ltd Call Centre. It may take up to 7 days to register the change. Any correspondence we send to you will be considered to have been received by you within 7 (seven) days of posting by mail. Fax, email of SMS will be considered to have been received by you on the day that it was sent, or in the case of a Saturday, Sunday or public holiday, on the next business day. Any correspondence or legal notices may be sent to us at the following address, which we choose as our domicilium: eZaga Holdings (Pty) Ltd, 47 Corlett Drive, Illovo, Sandton, 2196.


We will treat your personal information confidentially and will not disclose it unless:

- We are legally compelled to do so;

- It is in the public interest to disclose your personal information;

- Our interests require disclosure; or

- You have given your consent, verbally or tacitly.


We may close the account and cancel this agreement if the balance falls below any required minimum balance or otherwise at any time following the expiry of reasonable notice. The client may terminate the agreement by notifying us in writing. All transaction / instructions submitted before termination will be carried out. We are entitled to keep sufficient funds in the accounts to provide for amounts that may become due after termination. Once all pending transactions have been processed you may withdraw the remaining funds from the account.

Any amount you owe us will remain due and payable on account closure. eZaga (Pty) Ltd reserves the right to classify any account as dormant and will notify the client before an account is classified as dormant. If client does not respond to such notice within a certain period of time, eZaga (Pty) Ltd reserves the right to close the dormant account. If this happens the client may claim any funds in that account within sixty years from the date of the last transaction on the account.

If the account balance is in debit and eZaga Holdings (Pty) Ltd has not recovered the amount owing after a period of time considered by eZaga Holdings (Pty) Ltd, to render the account overdue, eZaga Holdings (Pty) Ltd may at its discretion write-off the amount involved and/or record the debt against the name of the client and/or account user with any credit bureau or similar agency after the necessary notice has been given to you.


In addition to our agreement you will continue to be bound by any tacit agreement between you and us relating to any account, the common law and by the present-day customs, procedures, practices and usage existing among bankers and their alliance partners. No relaxation or indulgence granted by us to you or to any other party will be deemed to be a waiver of our rights, nor a replacement or waiver of our rights under our agreement with you.

We may terminate this agreement at any time by giving you reasonable notice of termination. We reserve the right to refuse to open an account or accept a deposit. In case of fraud, suspected fraud, or if the law compels us to do so, we reserve the right to freeze or close your account and/or stop a service to you without notice.

Contact Details

Head Office

Postal Address Registered Address
47 Corlett Drive

P.O. Box 96371

Contact Details
Tel: (+27) 86 999 0927
Fax: (+27) 11 7601801


2. Customer Call Centre

      Tel: (+27) 86 999 0927

3. Zaga Zones

Information available via the App or Call Center.

4. Banking Ombudsman

Registered Address
No. 34 and 36 Fricker Road,
Ground Floor, Illovo,
Johannesburg, 2196.

Postal Address
P.O. Box 87056

Contact Details
Tel: (+27) 11 712 1800
(+27) 11 483 3212
0860 800 900