We’re here to help

Our dedicated team is here for you 24/7 every day. Need assistance reach out to our support team anytime.
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0860 OM BANK

0860 66 22 65 / Local calls

Use the in-app chat function

to get in touch with us

Chat to us

Need quick answers to your burning questions?

Chat to Themba - our virtual assistant - to get immediate help with your query.

 

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Have a complaint?

Use the numbers above to talk to us. Or, send us an email on service@ombank.co.za and we’ll get back to you as soon as possible. 

Regulatory contacts

National Financial Ombud Scheme
www.nfosa.co.za

FAIS Ombudsman
www.faisombud.co.za

National Credit Regulator
www.ncr.org.za

Information Regulator
www.inforegulator.org.za

Corporation for Deposit Insurance (CODI)
www.resbank.co.za

Frequently asked questions

Personal Account | Monthly Fee: R4.95
Manage your money your way with banking options that fit your lifestyle. Whether you prefer digital convenience or personal support, we’ve got you covered. Enjoy easy transfers, secure payments, and personalized features that give you flexibility to bank, how and when it suits you. Opening an account takes just a few minutes. 

 

Savings Account | Monthly Fee: Zero
Grow your savings with zero monthly account fees and earn a nominal interest rate of up to 7% per year*, with an effective interest rate of up to 7.23% per year*. A simple, cost-effective way to build your financial future. T’s and C’s apply 

* Nominal is the quoted annual interest rate on our Savings Account, while Effective shows the true annual interest return once compounding interest is included

Personal Account with Credit Facility | Monthly Fee: R73.95
Enjoy the benefits of a Personal Account with a convenient credit facility for only R73.95 per month. Perfect for those who want flexibility and access to extra funds when needed.  

Saving made easy  

Save smart with attractive interest rates and features like setting goals and automated savings tools.  

 

A personal bank account  

A personal bank account that grows and evolves with your needs   

 

Simplified credit  

Fast credit decisions in the palm of your hand. If approved, set up your debit order for your repayments and start spending your credit in minutes

 

Insights right when you need it  

Stay on track financially with real-time insights and helpful nudges.  

 

No hidden fees  

Know everything you’re paying for upfront – 100% transparent, always. 

  • • Any natural person;
  • • Must be a South African citizen, aged 18 to 70;
  • • Must have a smartphone or internet access; and
  • • To access a credit facility, customers must complete a credit application and affordability assessment 

Download the OM Bank App

  • • Go to the Google Play Store, Huawei AppGallery or Apple App Store.
  • • Tap Download and install the app.

Create Your Profile

  • • Open the app and tap Create Profile.
  • • Enter your ID number.
  • • Review the Customer Privacy Notice and Customer General Terms & Conditions, then tap Next.

Add Your Details

  • • Enter your cellphone number (used for app access and OTPs), then tap Next.
  • • Enter your email address, then tap Next.

Choose Your Account

  • • Once your profile is created, tap Select Your Account and pick the account type you want. 
Yes, you can open an OM Bank account by simply going on the Google Play Store, Apple App Store or Huawei AppGallery. Then download and install the OM Bank App. Once downloaded, open the OM Bank App, register and start enjoying the benefits.  

You only need: 

  • • Your smartphone
  • • A quick selfie for identity verification

Opening an OM Bank account is fast, simple, and completely paperless. 

In some cases, we may need more information from you to complete your application. If that’s the case, we’ll ask you to: 

  • • Upload a copy of your ID
  • • Upload supporting documents (for example, proof of address)
  • • Provide your financial and employment details
No. There’s no minimum balance or deposit required to open an OM Bank account. 

You can withdraw cash at any ATM, we don’t charge you extra for using another bank’s ATM. You can also withdraw and deposit cash at till points in participating retail stores at Pick n Pay, Boxer, Checkers or Shoprite.  

No, unfortunately, cardless withdrawals are not available at this time—you’ll need your card to withdraw cash at an ATM.
No, there are no limits. With regard to withdrawals, the limits you set yourself on the app apply. For example to set a single cash withdrawal limit and a daily cash withdrawal limit. 

Savings Account Annual Interest Rates*

 

 

 Nominal rate per annum     Annual effective interest rate      
Balances above R25 000     7.00%     7.23%     
Balances up to R25 000     6.30%     6,71%
Balances up to R1 000     5.75%     6,71%

 

* Nominal is the quoted annual interest rate on our Savings Account, while Effective shows the true annual interest return once compounding interest is included.

No, OM Bank is currently available only through the mobile app. 
Yes, your OM Bank Master Card will work in over 100 countries.

Coming in 2026 

More lending and savings options  

Card collection at retailers 

Google and Apple Pay 

Request to Pay 

Send Cash 

Old Mutual Rewards programme is a free financial wellness programme that rewards you with points for making smart financial decisions. If you are an Old Mutual Rewards member, you can use and qualify for the following benefits:

 

BenefitOM Bank 
Cash redemption Instantly in your OM Bank account
Credit card earnEarn up to 1% back on qualifying spend
Debit CardEarn 0.25% on qualifying spend
Access to Old Mutual RewardsFully integrated in the OM Bank app 
Requirements  
Minimum BalanceNo minimum balance needed 
Funding Requirement (Debit card) Deposit at least R2 500 monthly into your OM Bank Account 
TransactionsJust 1 outgoing transaction (payment, debit order, airtime, data, or electricity) 
Minimum swipes Just 5 card swipes; No minimum swipe value (physical or virtual) 
An application for a credit facility is done on the OM Bank app. 
If your credit application is approved, you’ll receive a personalized interest rate. This rate is based on your credit risk profile, which is determined using your credit history, behaviour across lending products, and information from the credit bureau. 

If approved, you will have access to your credit facility within minutes. Once you set up a debit order for your repayment, you can start spending instantly on your virtual cards. You can also collect a physical card at any of our 345 branches nationwide.

You can easily and instantly get Bank Confirmation letters and stamped bank statements from within the app. 
You can generate a POP from the app
Yes, you can easily switch your salary to OM Bank.
You download the bank confirmation letter and hand it in to the relevant department within your workplace, either within HR or Finance.
We recommend sending the bank confirmation letter to your employer at least 20 days before your payday so that your next salary is switched to OM Bank. Remember to move your debit orders too. 

If your question is about the OM Bank App, your OM Bank account, or anything related to OM Bank services, contact:  

Call Centre: 0860 OMBANK (662265)

Product Fees 
Monthly Account Fees  R4,95 
Credit Initiation Fee  Free 
Credit Facility Fee  R69 
Cash 
Cash withdrawal at ATM  R10 per R1 000 
Cash withdrawal at till point/ POS  R2 
Cash Deposit at till point/ POS   R19.50 at Checkers, Shoprite, Pick n Pay and Boxer only  
Cash withdrawal at ATM (International)  R70 
Currency Conversion Fee   2,75% 
Purchases 
Card Purchases (Domestic)  Free 
Card Purchases (International)  Free 
Currency Conversion Fee   2,75% 
Digital Payments 
Real Time Payment (RTC & RPP/Payshap) 

 

Value R3 000 or below  Free 
Value between R3 000 and R50 000  R1 
Value above R50 000  R6 
Electronic funds transfer (EFT)  
Value R3 000 or below  Free 
Value above R3 000  R1 
Debit Order   R3 
Value Added Services  
Airtime & Data  R0.50 
Electricity  R1 
Bill Payments  R1 
Services 
Balance check ATM (including International)  R10 

Get in touch

Call us on  0860 OMBANK (662265)  or use the in-app chat function.

Need to report fraud or log a complaint?
Contact us at complaints@ombank.co.za

Tell us how we can do better
Contact us at service@ombank.co.za

OM Bank Ltd. is a member of the Corporation for Deposit Insurance, Authorised Financial Services Provider (FSP 54837) & Registered Credit Provider, NCR CP17317.  

Copyright © 2026 OM Bank Limited. All rights reserved.  

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