● Cardholder fees
CashCentral® and CashCentral+® card fees, service charges and usage limits.
Published by PayCentral. The same fee schedules shown on paycentral.co.za, used as the reference rate for Innovation Group cardholders and on every monthly statement.
Cashless employee payments. Retailer card machines and ATMs across South Africa.
Product fees
Live · 08-04-26Monthly
Standard monthly admin fee
R 9.00
Dormancy
If card is not reloaded within a 6-month period
R 15.00
Card usage limits
Live · 08-04-26POS total daily
R 25,000.00
POS total monthly
R 25,000.00
ATM total daily
R 5,000.00
ATM total monthly
R 25,000.00
POS per transaction
R 5,000.00
ATM per transaction
R 5,000.00
Card load monthly
R 25,000.00
Online purchases
Not enabled
Loading & transfer fees
Live · 08-04-26Initial load
Set per Innovation Group contract
Dependent on client
Loading
Per load to card or wallet
R 17.00
Load reversal
Per reversed load
R 5.00
Load SMS (optional)
Per load notification
R 1.50
Wallet to Card transfer
Real-time, in app or portal
R 16.00
Transfer
Card to card or card to wallet
R 5.00
Card replacement
Plus delivery via Innovation Group
R 5.00
Purchase & cash withdrawal
Live · 08-04-26Retailer card machine swipe
POS purchase, any merchant
Free
ATM withdrawal
Per R 100 withdrawn
R 3.30
POS cash withdrawal
With or without a purchase
R 3.00
Error fees
Live · 08-04-26PIN reset
R 13.50
Decline at POS (insufficient funds)
R 9.50
Decline at Standard Bank ATM
Free
Decline at any other ATM
R 9.50
Balance enquiries
Live · 08-04-26Standard Bank ATM balance enquiry
R 1.70
Other ATM balance enquiry
R 11.00
PayCentral app or getmybalance.co.za
Unlimited
Free
Card statement download
Live · 08-04-267-day statement
Free
30-day statement
R 10.00
60-day statement
R 15.00
90-day statement
R 20.00
Monthly email statement
Subscription
R 2.50