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To use Shyft, you must be a permanent resident of South Africa (someone who holds a valid South African green identity document or identity card), a foreign national residing in South Africa, or a Botswana resident. You must be 18 years or older.

Shyft is available to both Standard Bank/Stanbic and non-Standard Bank/Stanbic customers who are permanent residents of South Africa or Botswana. However, foreign nationals residing in South Africa must hold an active Standard Bank account to sign up for Shyft. 

Do I need a Standard Bank/Stanbic account to sign up for Shyft?

There are three ways you can register for Shyft, all of which can be done via your mobile device, PC, or laptop—meaning you can register from anywhere, as long as you have a stable internet connection!

If mobile banking is your preference, you can download the Shyft app onto your mobile device and register from there.

If you prefer a larger format, then registering via the Shyft website using your PC or laptop may be the ideal choice for you.

For those who hold an active Standard Bank account and already has the Standard Bank app installed on their mobile device, you may find registering for Shyft using the Shyft add-on tile within the Standard Bank app to be the most convenient route.


If you need to update any of your personal details on your Shyft account, please contact Shyft Support via any of our support channels for assistance.

You can request all transactional statements, an account confirmation letter, a visa application letter, or an annual tax certificate from within the Shyft app.

What documents are available through Shyft?

If you ever need your Shyft account to be deactivated, please reach out to Shyft Support via any of our support channels.

The process is quick and easy—we will request some information from you for verification and to determine the reason for your request. Once your feedback is received, we will review accordingly and let you know once your request is complete.

If you would like to reactivate your Shyft account at a later stage, you are welcome to contact Shyft Support again to request this.

The Shyft-to-Shyft feature allows you to pay another Shyft user in any currency, instantly.

Enjoy free Shyft-to-Shyft payments in any of the currencies available.

What does it cost to make a Shyft-to-Shyft payment?

To receive payments via the Shyft-to-Shyft payment method, you will need to ask the person who is paying you to add you as a beneficiary on their Shyft app.

They can do this by sending you an invitation or scanning your QR code. Once you accept the invitation, you’ll appear under their saved beneficiaries, and they can proceed to make a payment to you.

How do I get paid via the Shyft-to-Shyft payment method?

To pay someone using the Shyft-to-Shyft payment method, you need to add them as a beneficiary on your Shyft app.

You can do this by sending them an invitation or scanning their QR code. Once they accept the invitation, they will appear under your saved beneficiaries, and you can proceed to make a payment to them.

How do I pay someone using Shyft-to-Shyft payment method?

If you are experiencing any difficulties with making Shyft-to-Shyft payments, please contact Shyft Support via any of our support channels for assistance.

I am experiencing an issue with a Shyft-to-Shyft payment. How do I get help?

If you are a South African resident, you can receive foreign assets without prior written approval from the SARB. This is subject to local tax disclosure and compliance by both parties.

What are the exchange control implications for Shyft-to-Shyft payments?

You can make international payments in USD, GBP, EUR, and AUD from Shyft.

Which currency can I make an international payment in?

International transfers from Shyft are subject to per-transaction limits.

The maximum limits for payments to international bank accounts are as follows:

USD payments: USD 75,000.00

EUR payments: EUR 60,000.00

GBP payments: GBP 55,000.00

AUD payments: AUD 90,000.00

If you need to make a payment exceeding these limits, you may do so by splitting the amount across multiple transfers. These limits are outlined in our fees and limits schedule.


What are international payment transaction limits?

We will notify you via email once your payment has been sent. Please note that this does not confirm receipt of funds. If you need further assistance in determining the status of your transfer, please contact Shyft Support via any of our support channels for more information.

How will I know when my international payment has been sent?

The country in which the receiving bank is situated, together with the currency being sent, will determine what details are required to create your offshore beneficiary in Shyft.

For example, a USD transfer to the United States of America would require the use of Direct deposit banking details, which include an account number and a Direct deposit ABA routing code. Whereas, a USD transfer to Spain would require the use of an IBAN and BIC SWIFT code.

To determine the information required for your specific transfer, Please create your beneficiary within Shyft by following the beneficiary creation flow up to the point where you select the currency being sent and the country in which the beneficiary bank is situated.

You will then be prompted to submit specific information to create your beneficiary. Take note of the requested information, and you can request it from the beneficiary or the beneficiary bank.

Only the beneficiary or the beneficiary bank will be able to provide you with the necessary details to complete your transfer.

What information do I need to create a beneficiary for an international payment? 

It is possible to cancel a payment to a beneficiary depending on how far the payment has progressed. If the payment is in a sent or completed status, then we will not be able to cancel the payment.  Shyft will always endeavor to process your payment requests promptly, and so it's important to reach out to Shyft Support as soon as possible to query whether your payment is still eligible for cancellation.

Not all countries are supported for international transfers through Shyft.

If the country you want to select is not on the list, it is likely not available on Shyft, although we recommend that you contact Shyft Support for advice if you are unsure.

The country I want to send money to isn't appearing on the list when trying to create a beneficiary. Why?

As a guideline, we do not permit payments to beneficiaries for the following purposes:

Payments for gambling (paying gambling institutions)
Any purchases related to arms dealing
Adult entertainment of any kind
Purchasing of drugs/drug paraphernalia
Cryptocurrency (paying any beneficiary affiliated with cryptocurrency)

*This is subject to change.


From a Shyft perspective, we cannot confirm whether a beneficiary bank or its intermediary may apply a fee.

We always recommend checking with the beneficiary or the beneficiary bank regarding any potential transactional charges to ensure you are adequately informed before sending your payment.

If you pay in a currency that is not the local currency of the beneficiary’s bank, intermediary banks are likely to levy additional charges, and the receiving bank is likely to convert the payment to the local currency, making the received amount unpredictable in such cases. 

Does the beneficiary have to pay any fees?

Yes, you can. Shyft allows payments to preloaded Standard bank offshore beneficiaries such as Webtrader, Isle of man and Jersey. Simply select the relevant beneficiary when making your international payment.

Can I fund my Standard bank offshore investment accounts?

International payments to Standard bank Isle of man and Jersey can take up to 24 business hours and paymets to Webtrader can take up to 3-5 business days to reflect. If this time has passed and the funds are still not reflecting, please contact Shyft Support via any of our support channels for assistance.


My funds are not reflecting in my Standard bank offshore account, what should I do?

Shyft has the following preloaded partner beneficiaries available for payments: Coronation, Glacier International, IIN8, Liberty Global Direct, Old Mutual International, Prescient Fund Services, and STANLIB Investments.

What preloaded partner beneficiaries are available on Shyft?

You may top up your Shyft account with ZAR/BWP by completing an electronic funds transfer from any local bank account to your Shyft local currency wallet.

To add Shyft as a beneficiary, you must use the banking details of your local currency wallet found in the app.

Please ensure to use your unique Shyft reference code as the beneficiary reference.  

SA residents can also use the “Pay by Card” option in the app by entering their bank card details, funds reflect immediately once successful.

Transfers from Standard Bank may take up to 30 minutes, while transfers from third-party banks can take up to 3 working days (or longer, depending on the remitting bank's processes). 

Top-ups using the “Pay by Card” option reflect immediately once the transaction is successful. 

You’ll receive an email and/or push notification (if enabled) once your funds have arrived and settled. These time frames assume all banking details and your unique Shyft reference code were correctly used.

How long does it take for my funds to reflect?

If the funds are not reflecting in your Shyft wallet after the prescribed timeframe, please contact Support through any of our support channels with your proof of payment, and we will assist in tracing and allocating the funds to your Shyft wallet.

I have topped up my Shyft account, but the funds are not reflecting in my Shyft wallet.  What should I do?

Only South African-issued cards will be accepted for ZAR Wallet top-up.

Can I use my card to top up any currency wallet on Shyft?

All card top-up transactions must be made using South African-issued cheque, credit, or prepaid cards.

Which cards can I use to top-up my Shyft wallet?

Yes. Shyft charges a 2.5% fee on the transaction value. *Subject to change.

Will I be charged when I top-up using a card?

Shyft does not reverse top-up transactions to your card unless it can be confirmed that the transaction was unauthorized or you were incorrectly charged. If the funds have already been processed into your Shyft wallet, you can request a withdrawal from your Shyft wallet instead. Alternatively, you can contact our friendly support team through one of our support channels.

Can I reverse a top-up made with my cheque, credit or prepaid card?

You may request your withdrawal from within the Shyft app. You may only withdraw funds in your local currency, and withdrawals may only be processed to a local personal bank account in your own name.

Any funds held in your Shyft cards will need to be transferred from your card to your Shyft wallet, and any forex you wish to withdraw will need to be converted to your local currency before you can submit your withdrawal request.


Local currency withdrawal requests will be processed within 2 business days following the date of initiation.

This lead time is subject to there being no unforeseen requirements for additional information that we may need to process your withdrawal. If such a need arises, we will promptly contact you.

Yes, Shyft allows you to top up your account with any one of the four foreign currencies available from an offshore account, directly into your Shyft wallet.

Can I top-up my account with foreign currency?

You can transfer USD, GBP, EUR, and AUD directly into Shyft using the bank account specified in the "Top Up Wallet" section. If the sender transfers funds in a currency that differs from the destination account’s currency, the funds will be rejected and returned to the sender at the sender’s cost.

What currencies can I transfer into Shyft?

When topping up with foreign currency, please ensure you use the correct beneficiary details. This section must strictly contain the Shyft details as extracted from the app (Shyft CFC account name and the corresponding account number). Failure to capture these specific details may result in the payment being delayed or rejected.

What are the requirements for topping up my account with foreign currency?

Once the funds reach Shyft, we will process the payment into your Shyft wallet within two business days, provided that everything is in order. The time taken for the funds to reach Shyft will be determined by the remitting bank and/or their intermediary service provider.

How long will an incoming international payment take?

Shyft will only accept SWIFT payments using BIC code SBZAZAJJ.

Please send the proof of payment/MT103 to support@getshyft.co.za. Once we receive the MT103, our accounts team will investigate and proceed with the allocation if the funds have been received.  If funds have not yet been received and the proof of payment/MT103 has been sent, we may ask you to inquire with the remitting bank, as we cannot trace funds from third parties.


I topped up my Shyft account with foreign currency, but the funds are not reflecting. What should I do?

A Shyft withdrawal involves sending funds from your local currency Shyft wallet to your personal local bank account.


Once you have logged into Shyft, select the "Transact” tab on the navigation panel at the top of the screen. Select your local currency wallet, then tap on "Withdraw". Enter the amount you would like to withdraw. Fill in your banking details and confirm the withdrawal.

You will not be able to withdraw any foreign currency via this flow. To refund your foreign currency, follow the "How do I convert my foreign currency to my local currency?" instructions, below. You can then withdraw the local currency. Please note, this feature is only available to permanent residents of South Africa and Botswana. Foreign nationals can only cash out their foreign currency wallet via the international payment flow.

The app will request the bank account details to which the refund must be paid. 

You can only request a withdrawal in your local currency.

This feature is only available to permanent residents of South Africa and Botswana, and foreign nationals. 

Once you have logged into Shyft, tap on the “Quick Actions” drop-down on the Globalview screen and select “Buy/Sell Forex". You may then tap on "Buy" next to your local currency icon. Select which foreign currency you would like to exchange at the top of the screen. You can then enter the amount of forex you want to spend and select “Get a Live Rate”. 

Once you've done this, read and accept the declaration to get your live rate. Select “Buy Now” to confirm the purchase. You will receive a confirmation pop-up showing the amount of local currency you have just bought, and your trading limit will be credited for the amount of local currency.

If you wish to purchase your local currency via the "Forex" tab menu, simply tap on your local currency from the list of currencies displayed and follow the same process. 

How do I convert my foreign currency to my local currency?

Local currency withdrawals will be charged at a flat fee of R35.00 for South African residents and foreign nationals residing in South Africa and P15 for Botswana nationals. This is a flat fee and will be applicable regardless of the withdrawal amount.

What fees will I be charged for withdrawals?

Yes you are able to move any of the available foreign currencies back to your ZAR Wallet.

Can I move foreign currency back to my ZAR Wallet?

As a South African, you're allowed up to R1 million for 'offshore activities' each calendar year without needing tax clearance.

This falls under your annual Single Discretionary Allowance (SDA), set by the South African Reserve Bank, available to all South African residents over 18 with a valid South African identity document. Your allowance applies to all of your 'offshore activities,' not just those facilitated through Shyft.

NB: On Shyft, your annual allowance is only affected when buying or selling foreign currency, not when sending funds abroad via an international payment to an offshore bank account.

Foreign nationals residing in South Africa may not buy foreign currency with funds that are brought into the country or are ring-fenced. You can only use funds you have received or earned in South Africa.

Additionally, you may only trade foreign currency during the period for which you have a valid work permit.

Your trading limit in Shyft is automatically calculated and set monthly, in accordance with the limits applicable to you.

As a foreign national what is my trading limit ?

Botswana nationals have an annual trading limit of P1 000 000, which may be subject to change.

What is the trading limit for Botswana users.

Once you reach the limit of your Single Discretionary Allowance within Shyft, you will be prohibited from purchasing any further forex for the rest of the calendar year, until your allowance resets on January 1st.

You will receive a notification on Shyft when you reach your limit.

For foreign nationals, if your work permit becomes invalid or expires, or if you reach your limit in terms of the amount of funds you can externalize, you will not be able to purchase any further foreign currency through Shyft. However, you can still use the foreign currency you have already purchased to make international payments and spend on your Shyft cards.

You can view your trading limit under the 'Account' section in the Shyft app.

How do I know if I have reached my trading limit through Shyft?

Your Repatriated Allowance is money you previously converted to foreign currency or money transferred into one of your foreign currency Shyft wallets as an incoming forex payment. Converting these funds back to ZAR in Shyft credits the Repatriated Allowance.

Your Repatriated Allowance is not linked to a calendar year and doesn't expire. It represents all the foreign currency you've brought back into Shyft and converted to ZAR. You can view your Repatriated allowance under the 'Account' section in the Shyft app.

All trades by both private and public sectors are tracked in the BOP (Balance of Payments) to monitor the movement of money in and out of the country. BOP reports are submitted to the South African Revenue Service and/or the Financial Intelligence Centre to inform them about any funds leaving the country and their purposes. For permanent South African residents with a valid ID, all Shyft transactions fall under BOP Category Code 511 04: Foreign investment by a resident individual not related to the investment allowance – Deposits with a foreign bank.

For foreign nationals, all Shyft transactions are reported under BOP Category Code 417: Foreign national contract worker remittances, excluding compensation.

What is BOP, BOP Category Code 511 04 and BOP Category Code 417?

Once you have logged into Shyft, tap on the “Quick Actions” drop-down on the Globalview screen and select "Send Money". Select “International Transfer” and then tap "Add beneficiary". In the pop-up menu, select “International Bank Account" and then the beneficiary type (“Myself”, “Someone else” or “A Company”). Below, select the currency you want to send and the country you are sending funds to, and tap ”Continue”. Fill in the beneficiary details and select “Create Beneficiary”.

International payments are charged at a flat fee per transaction. This fee varies depending on the currency. Our standard fees for transfers to standard international bank accounts are as follows. 
USD payments: USD 14.00
EUR payments: EUR 12.00 
GBP payments: GBP 10.00
AUD payments: AUD 18.00

For international payments to Standard Bank Isle of Man, Standard Bank Jersey and Webtrader beneficiaries created using the pre-loaded beneficiary creation flow, our standard fees are as follows. 
USD payments: USD 10.00
EUR payments: EUR 9.00 
GBP payments: GBP 8.00
AUD payments: AUD 13.00

Shyft will show exactly how much each transaction will cost before you transfer the funds. 

Fees may change during promotional periods.

How much does it cost to send money to a foreign bank account?

Once you have logged into Shyft, tap on the “Quick Actions” drop-down on the Globalview screen and select "Send Money". Select “Standard Bank Offshore Accounts” and then tap "Add beneficiary". You will see a pop-up asking you to choose between Standard Bank Isle of Man and Standard Bank Jersey. Choose one, then select the beneficiary type (“Myself” or “Someone else”). Select the currency you would like to send and tap "Continue". Enter the beneficiary details and tap "Next". 

How do I transfer funds to a Standard Bank Isle of Man or Standard Bank Jersey bank account?

Once you have logged into Shyft, tap on the “Quick Actions” drop-down on the Globalview screen and select "Send Money". Select “International Transfer” and then "Add beneficiary". In the pop-up menu, select "Standard Bank Webtrader" and fill in the relevant fields. Please note, you will need to use your Webtrader account number as your beneficiary reference.

How do I send money to my Webtrader account?

The beneficiary you are paying should be able to provide those details.

International Bank Account Number (IBAN):
This is used to identify the bank you are sending money to. Do not enter spaces between characters. Ensure that you have the correct code from the beneficiary.

Business Identifier Code & SWIFT code (BIC SWIFT):
You will need to get the code from the beneficiary, and it is bank specific. Do not enter spaces in between characters. Ensure that you have the correct code from the beneficiary.

Routing transit number (ABA)
This is used to identify financial institutions in the USA. Do not leave spaces in between characters. Ensure that you have the correct code from the beneficiary. There are three potential types of routing numbers. Please ensure you use the electronic payment routing number or the FedACH routing number. Do not use the wire transfer routing number, as US payments are sent from within the US and may be returned as a result.

Sort Code:
This is a six-digit number that identifies the bank and the branch of the bank. Do not leave spaces in between characters. Ensure that you have the correct code from the beneficiary.

Bank-State-Branch code (BSB code):
A BSB is a six-digit number that identifies banks and branches across Australia. Do not leave spaces in between characters. Ensure that you have the correct code from the beneficiary.

I am uncertain of what I need to enter into some of the fields.

No. All payments for the purpose of purchasing cryptocurrency will be unsuccessful as they currently fall outside of our risk appetite.

Can I fund my cryptocurrency trading account using Shyft?

USD payments to a beneficiary in the USA are made through the domestic ACH network and fall under the category of electronic payment (often referred to as direct deposit or ACH payments). These payments are not wire payments. Please ensure to enter the ABA number for direct deposit or ACH payment in the ABA field when creating a beneficiary. If you make use of the wire ABA number, this will result in the payment failing. Due to the nature of ACH payments, we, unfortunately, cannot recall or put a trace on any payments made through the ACH network.

I would like to make a USD payment to a beneficiary in the USA. Which ABA number should I use?

The Central Bank of The United Arab Emirates (CBUAE) introduced a new Purpose of Payment Code for all SWIFT payments received and sent from bank accounts held within the UAE. You would need to get this code from your beneficiary.

Do you have a saved UAE beneficiary? If so, please delete any saved beneficiaries for the UAE and re-create them with the correct Purpose of Payment Code.

I would like to make an international payment to a beneficiary in the UAE.

The incoming international funds feature will allow you to transfer offshore foreign currency into your Shyft wallet.         

Each currency will be charged with flat fee of $14, £10, €12 and A$18. It is possible that costs and/or fees may be charged by the remitting bank and/or intermediary banks, of which we do not have oversight and cannot predict. Should an incoming international payment of £200 be made and £30 is deducted by a remitted bank, we will deduct £10 from the total amount received (£170) that is transferred into Shyft.

What are the fees and costs associated with incoming international funds?

Once you have logged into Shyft, tap the menu icon in the top left corner of the screen. Select “Wallet Top-ups”. Select the foreign currency you’d like to receive the payment in. Read and accept the terms and conditions. You or the person transferring the funds must use the provided details and instructions to make a transfer to your Shyft wallet. Send proof of payment to [support@getshyft.co.za](mailto:support@getshyft.co.za).

How do I receive an incoming international payment?

Once you have logged into Shyft, select the menu icon in the top left corner of the screen, and select "Personal Details". Your Shyft reference number will appear below your name and trading limit.    

I cannot find my unique Shyft reference number. Where do I find it?

You are able to transfer USD, GBP, EUR and AUD directly into Shyft using the bank account specified in the Top Up Wallet section. If the sender transfers funds in a currency that differs from that of the destination account, the funds will be rejected and returned to sender at the sender’s cost.

Yes, you can receive funds from any foreign bank account. We may request additional information from time to time for payments made by third parties. This may include information and supporting documentation such as:
- Proof of address
- Source of funds
- Remitter information
- Any other related documentation


Can I transfer foreign currency from any foreign bank account?

There are no tax implications imposed by Shyft. It is the responsibility of the account holder to ensure their tax obligations are met.

What are the tax implications of transferring forex into Shyft?

Receiving an incoming international fund payment will not directly affect your SDA or trading limit. However, if any foreign currency is exchanged for your local currency, the account holder's SDA and trading limit will be replenished up to R1 million for South African residents and up to P1 million for Botswana nationals.

How does an incoming international fund payment affect my SDA?

Once you have logged into Shyft, tap on the “Quick Actions” drop-down on the Globalview screen and select "Manage Cards”. Select your desired currency and tap “Order Physical Card”. Enter the number of cards you want to order and fill in the delivery details.

Preferably use an address where you will be available Monday to Friday during office hours (08:00 to 17:00). Delivery of your card(s) may take up to five business days.

Yes, users can order and link:
- Up to five physical multicurrency forex cards
- Up to five physical rand cards (SA residents and foreign nationals residing in South Africa only)
- Up to five UnionPay International (UPI) cards (SA residents and foreign nationals residing in South Africa only)

Simply select how many cards you would like to order on the card order screen.

South Africa: R100 per card ordered. 
Botswana: P250 per card ordered.

These amounts are subject to change without notice.


How much does it cost to order a physical card?

Delivery to major metropolitan areas within South Africa (Johannesburg, Cape Town and Durban) should be completed within three business days. 

Delivery outside of major metropolitan areas in South Africa should be completed within five business days. 

Delivery in Botswana should be completed within five business days.  

Please note, delivery times are approximate and subject to change without notice. 


How long will it take to get my physical card?

Once you have logged into Shyft, tap on the “Quick Actions” drop-down on the Globalview screen, and select "Manage Cards”. Select your desired currency and tap “Link physical card”. Enter your 16-digit card number and give the card a specific name. Create a 5-digit PIN, confirm the 5-digit PIN and tap “Link Card”. The card will now be displayed on the “Cards” screen under the currencies that the card supports.

No, the card is a pre-funded card that needs to be topped up before it can be used. You can do this in the Shyft app.

Are the funds in my Shyft wallet automatically linked to my card?

ATM withdrawal fees are charged at a flat rate per withdrawal. The fees are as follows. 
USD withdrawals: USD 3.3
EUR withdrawals: EUR 3.3
GBP withdrawals: GBP 2.2
AUD withdrawals: AUD 4.8


Point-of-sale (POS) transactions:
The physical card can be used for a maximum of 9 999 POS transactions per day. The sum of the transactions per day is limited to the following amounts:
USD 50 000.00
EUR 50 000.00
GBP 50 000.00
AUD 50 000.00

ATM withdrawals:
The physical card is limited to 10 ATM withdrawals per day in USD, AUD and EUR, and 12 withdrawals per day in GBP. The total number of ATM withdrawals per day is limited to the following amounts:
USD 5 000.00
EUR 5 000.00 
GBP 2 500.00
AUD 5 000.00


Tap-and-go transactions are limited to the following amounts per transaction:
USD 500.00
EUR 500.00 
GBP 500.00
AUD 500.00


What are the tap-and-go limits on the card?

Yes, point-of-sale transactions are charged at 0.5% of the transaction value.

Are there any fees for swiping my physical card?

Only withdraw cash from well-known banks and avoid unbranded or stand-alone ATMs. If prompted by the ATM, never accept conversions to or from a currency not loaded on your physical card.

Which ATMs should I use to withdraw cash?

Disabling a card only deactivates it temporarily until you decide to re-enable it. Once re-enabled, the card can be used again. Deleting a card deactivates the card permanently. A deleted card is cancelled and cannot be reactivated or used again. You would need to order a new physical card via the app if you decide to delete the card.

What is the difference between disabling and deleting a physical card?

Immediately log into Shyft, tap on the “Quick Actions” drop-down on the Globalview screen, and select "Manage Cards”. Select the appropriate currency and select the card that was lost or stolen. Tap on the green "Enabled" icon below the card. The icon should then change to red and reflect as "Disabled". Next, return any remaining balances on your card to your wallet.

You can order a new card by clicking the “Order physical card” button. If the lost/stolen card has been used fraudulently, please contact support and provide them with the details of the fraudulent transactions.

What should I do if my card is lost or stolen?

Once you have logged into Shyft, tap the “Quick Actions” drop-down on the Globalview screen, and select "Manage Cards”. Select your desired currency and then the specific card. Select the "Transactions” button in the next menu, then tap "Statement" in the top right corner of the screen. Enter the dates you require and tap “Request”. Your statement will be sent to your email address. 

NB: Your statement password will be your ID or passport number.

How do I get a statement for my physical card?

Shyft offers our users a choice between two payment methods, namely MasterCard and UnionPay International (UPI).

What card payment methods are offered by Shyft?

Each payment method is accepted by different countries/regions. UnionPay International is more widely accepted across China and may only be topped up with USD.

Why does Shyft offer a choice between two payment methods?

MasterCard ATM locations and countries of acceptance can be found by accessing the link below: [https://www.mastercard.us/en-us/consumers/get-support/find-nearest-atm.html](link)

UnionPay International ATM locations and countries of acceptance can be found by accessing the link below: [https://www.unionpayintl.com/cardholderServ/serviceCenter/atm?language=en](link). 


Where are MasterCard and UnionPay International accepted?

A MasterCard is any electronic payment card that uses the MasterCard network and other networks that have signed contracts with MasterCard for processing transaction communications. MasterCards are typically branded with a MasterCard logo.

A UnionPay International card is any electronic payment card that uses the UnionPay network and other networks that have signed contracts with UnionPay for processing transaction communications. UnionPay cards are typically branded with a UnionPay logo.

What is the difference between MasterCard and UnionPay International?

Users cannot link their UnionPay International cards to either AliPay or WeChat. It is unclear whether there are other wallet-based apps that this card can be linked to.

Can UnionPay International cards be linked to wallets?

The card is not available for purchases online.

Can the UnionPay International card be used for online transactions?

You can load only USD on a UnionPay International card. The card can be used anywhere that USD is accepted. The card cannot be used in South Africa. 

What currency can I load on the UnionPay International card, and where can it be used?

Virtual cards are online cards that are not physically issued by the card provider. They can be used locally or internationally and operate like any other debit card. They are available for each Shyft-supported currency: USD, GBP, EUR, AUD and ZAR (ZAR is for South African users only).

Once you have logged into Shyft, scroll down to the “Cards” section and select “Virtual”. Tap on “Create a card”. Select the currency you would like to transact in when using the card. Give the card a description (e.g. Netflix card, Airbnb card etc), enter your mobile number, and tap on “Create Card”. The card will be displayed in the “Cards” section under “Virtual”. 

Please note that you will need to create a virtual card for each currency you wish to use. There are no multicurrency virtual cards. 

Yes, but only the Shyft virtual rand card can be used on South African websites. (This card is for South African customers only.)

Can I use my virtual card in South Africa?

Yes, when making payments with a virtual card, the merchant may prompt you to insert a 3D Secure code. You will receive a 3D Secure code via notification and email. Please note that 3D Secure codes only work with virtual cards and are not for physical cards. 

Does the virtual card work with 3D Secure sites?

Disabling a virtual card only deactivates it temporarily until you decide to re-enable it. Once re-enabled, the card can be used again. Deleting a card deactivates the card permanently. A deleted card is cancelled and cannot be reactivated or used again. You would need to create a new virtual card via the app if you decide to delete the card.

What is the difference between disabling and deleting a virtual card?

Online transactions made using a Shyft virtual card are charged at 0.5% of the total transaction value.

Does Shyft charge a fee to use my virtual card?

Virtual cards expire five years after they are created.

What is the expiry date on a virtual card?

How do I get a statement for my virtual card?

Only Shyft users who are South African residents will be eligible to order a Shyft physical rand card.

(For South African Shyft users only.)
Once you have logged into Shyft, tap the “Quick Actions” drop-down on the Globalview screen, and select "Manage Cards”. Select “ZAR Cards”. Select “Order physical card”. Enter the number of cards you want to order and fill in the delivery details. 

(For South African Shyft users only.)
Yes, each user can order and link up to five physical rand cards. Select how many cards you want to order on the card order screen. 

Can I order multiple physical rand cards?

The current card fee is R100.00 (incl. VAT) per card ordered. This is subject to change without notice.

How much does it cost to order a physical rand card?

Once you have logged into Shyft, tap on the “Quick Actions” drop-down on the Globalview screen, and select "Manage Cards”. Select “ZAR Cards” and tap “Link physical card”. Enter your 16-digit card number and give the card a specific name. Create a 5-digit PIN, confirm the 5-digit PIN and tap “Link Card”. 

Delivery to major metropolitan areas within South Africa (Johannesburg, Cape Town and Durban) should be completed within three business days. 

Delivery outside of major metropolitan areas in South Africa should be completed within five business days.

Please note, delivery times are approximate and subject to change without notice. 

How long will it take to get my physical rand card(s)?

ATM withdrawal fees are charged at a flat rate per withdrawal. Withdrawals at Standard Bank ATMs are free. Withdrawals at all other banks are charged at R16 per withdrawal by Shyft. However, additional fees may be charged by banks, and these are outside our control.

Point-of-sale (POS) transactions: 
The physical rand card can be used for a maximum of 4 000 daily POS transactions. The sum of the transactions per day is limited to R50 000.

ATM withdrawals: 
The physical rand card can be used for a maximum of 10 ATM withdrawals per day. The sum of the withdrawals per day is limited to R5 000, and the monthly limit is set at R50 000.

Tap-and-go transactions are limited to R500 per transaction.

What are the tap-and-go limits on the physical rand card?

No, Shyft does not charge any transaction fees for swiping the physical rand card.

Are there any fees for swiping my physical rand card?

First, check that you have topped up the card by transferring funds from your ZAR wallet to the card. To top up your card, log into Shyft, tap on the “Quick Actions” drop-down and select “Manage Cards”. Choose “ZAR Cards”, tap on the physical card you want to fund, and then select “Top Up”. Enter the amount you want on the card, select “Top Up” and confirm. The funds will be moved from the wallet to the card.

You can see the card's balance by opening it from the “My Cards” screen, or view the total balance of all your cards, per currency, under the respective currency wallets, in the balance breakdown.

If you are still experiencing problems, please contact support. 

What should I do if my card is not working?

Once you have logged into Shyft, use the “Quick Actions” drop-down on the Globalview screen, select "Manage Cards” and then select “ZAR Cards”. 

Select the card for which you want to reset the PIN, scroll down and select "Change PIN”. 

How do I change my physical rand card pin?

Disabling a card only deactivates it temporarily until you decide to re-enable it. Once re-enabled, the card can be used again. Deleting a card deactivates the card permanently. A deleted card is cancelled and cannot be reactivated or used again. You would need to order a new physical rand card via the app if you decide to delete the card.

What is the difference between disabling and deleting a physical rand card?

Immediately log into Shyft, tap on the “Quick Actions” drop-down on the Globalview screen, and select "Manage Cards”. Select “ZAR Cards” and select the card that was lost or stolen. Tap on the green "Enabled" icon below the card. The icon should then change to red and reflect as "Disabled". Next, return any remaining balances on your card to your wallet.

You can order a new card by clicking the “Order physical card” button. If the lost/stolen card has been used fraudulently, please contact support and provide them with the details of the fraudulent transactions.

What should I do if my physical rand card is lost or stolen?

Once you have logged into Shyft, tap the “Quick Actions” drop-down on the Globalview screen, and select "Manage Cards”. Select “ZAR Cards” and then the specific card. Select the "Transactions” button in the next menu, then tap "Statement" in the top right corner of the screen. Enter the dates you require and tap “Request”. Your statement will be sent to your email address. 

NB: Your statement password will be your ID or passport number.

How do I get a statement for my physical rand card?