South Africa: Finance and Banking

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Finance law and banking law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as capital adequacy, BASEL, acquisition finance, debt capital markets, fund finance, islamic finance, securitization and structured finance.

Tap, Play, Pay - Embedded Payments And The Disappearing Checkout

Embedded payments are transforming how consumers transact, moving payment functionality into everyday devices like game controllers, wearables, and connected objects. As South Africa's Reserve Bank modernises its payment ecosystem, businesses must navigate the regulatory implications of making payments invisible while ensuring accountability remains transparent.

South Africa Finance

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ENS

Navigating South Africa’s Evolving IPO Landscape: ENS Authors The South Africa Chapter In GLI – Initial Public Offerings, 10th Edition

South Africa's capital markets have undergone significant structural reform with the JSE's Main Board segmentation and the emergence of new licensed exchanges, creating expanded pathways for companies seeking...

South Africa Finance

E

ENS

From Red Flag To Frozen Account - Banking Lessons On Account-freezing Powers And Anti-money Laundering

A South African court ruling examines when banks may lawfully freeze customer accounts based on suspected fraud and money laundering. The case explores the balance between contractual account terms, interbank information sharing, and statutory tax recovery powers when suspicious funds move rapidly through the banking system.

South Africa Finance

E

ENS

The Clock Is Ticking: Preparing Issuers For The JIBAR To ZARONIA Transition

South Africa's benchmark interest rate is shifting from JIBAR to ZARONIA, with JIBAR set to cease on 31 December 2026. The JSE has introduced a structured process to help issuers transition their existing documentation, but legislative amendments won't take effect until early December 2026, creating a compressed timeline. Issuers must begin reviewing their legal documentation now to ensure compliance within the limited implementation period.

South Africa Finance

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ENS

Proposed New Rules On Beneficial Ownership For Financial Institutions

South Africa Finance

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ENS

Telcos, Wallets And Regulation

South Africa Finance

E

ENS

Financing Solutions In The Data Centre Landscape In South Africa

South Africa Finance

E

ENS

Cash Is Not Disappearing - Why The South African Reserve Bank’s Cash Smart Strategy Matters For South Africa’s Payment Future

South Africa Finance

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ENS

Crypto Crackdown: What The Reserve Bank’s Case Against Kastelo Means For Your Business

South Africa Finance

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ENS

Central Clearing On The Horizon: What South Africa’s Over-the-counter Derivatives Reforms Mean For The Financial Sector

South Africa Finance

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ENS

After The Freeze: What Happens Next For Crypto Arbitrage And Exchange Control Risk?

South Africa Finance

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ENS

The Clock Is Ticking: CRD VI And South African Financial Institutions

South Africa Finance

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ENS

Crypto Crosses The Border: SARB Maps The Next Phase Of Crypto Regulation

South Africa Finance

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ENS

Risk Under Review: What Guidance Note 7B Means For Accountable Institutions

South Africa Finance

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ENS

Payments, Aviation And Mining Lead The Deal Agenda

Global Commercial

Ai

Andersen in South Africa

Understanding SARS Objections: Understanding Dispute Resolution & SARS Debt Management Deadlines, Extensions And How To Get It Right

South Africa Tax

SG

SNG Grant Thornton

Proposed New Rules On Beneficial Ownership For Financial Institutions

South Africa Finance

E

ENS

Webinar Recording | AI Governance Under King V From Principles To Practice (Video)

South Africa Commercial

CD

Cliffe Dekker Hofmeyr

Historic Registration: Madd De Casamance And Penja Pepper Enter The Lisbon System

South Africa IP

AA

Adams & Adams

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Related Country Guides

Secured Lending

Banking Regulation

Project Finance

Capital Adequacy/BASEL

How South Africa’s Credit Guarantee Vehicle Can Rewire Bank Capital

When Ethiopia began filling the Grand Ethiopian Renaissance Dam in 2020, it was not merely generating hydroelectric power; it was redirecting a continental resource to transform its economic future.

South Africa Finance

E

ENS

The FSCA Ushers In A New Era For Pension Fund Administrators After 23 Years

The Financial Sector Conduct Authority (FSCA) has published Conduct Standard 2 of 2025 (the 2025 Standard), setting out reformed conditions for pension fund benefit administrators under section 13B(1) of the Pension Funds Act, 1956.

South Africa Finance

WW

Webber Wentzel

Following the 2007 – 2009 financial crisis, it became evident globally that there were weaknesses in the financial regulation of commercial banks, specifically in relation to the liquidity...

South Africa Finance

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ENS

The Effect Of Basel IV On Commitment Fees

South Africa Finance

E

ENS

South African SIFI Banks And Holding Companies Are Required To Issue Flac (Unsecured Debt) Instruments For Resolution Readiness

South Africa Finance

E

ENS

Long Awaited OTC Margin Rules Are Now Final

South Africa Finance

E

ENS

Will The End Of (L)IBOR Be Delayed?

South Africa Finance

E

ENS

South Africa Newsletter - January Edition

Global Strategy

D

Dentons

2013 Global Construction Survey - Ready For The Next Big Wave?

South Africa Real Estate

KS

KPMG, South Africa

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Debt Capital Markets

The Clock Is Ticking: Preparing Issuers For The JIBAR To ZARONIA Transition

South Africa's benchmark interest rate is shifting from JIBAR to ZARONIA, with JIBAR set to cease on 31 December 2026. The JSE has introduced a structured process to help issuers transition their existing documentation, but legislative amendments won't take effect until early December 2026, creating a compressed timeline. Issuers must begin reviewing their legal documentation now to ensure compliance within the limited implementation period.

South Africa Finance

E

ENS

Acknowledgement Of Debt - Promissory Note

A South African court examines whether an acknowledgement of debt containing specific payment terms qualifies as a promissory note under the Bills of Exchange Act, determining the applicable prescription period for debt recovery. The case turns on statutory interpretation of negotiable instruments and the distinction between mere acknowledgements and unconditional promises to pay.

South Africa Finance

AA

Adams & Adams

Two Upgrades In 12 Months: South Africa’s Credit Rating Renaissance

South Africa has received sovereign credit rating upgrades from both Fitch and S&P Global in 2025-2026, marking the country's first upgrades in nearly 21 years.

South Africa Finance

E

ENS

Term ZARONIA: South Africa's Forward-looking Answer To JIBAR's Farewell

South Africa Finance

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ENS

May The Markets Be Ever In Your Favour: Is South Africa's Debt Market Becoming More Exclusive?

South Africa Finance

E

ENS

Guarantee Or Suretyship?

South Africa Commercial

FW

Fairbridges

Draft Payments Industry Documents Published For Public Comment

South Africa Finance

WW

Webber Wentzel

Banks Can Breathe A Sigh Of Relief, As Pretoria High Court Declines To Extend Delictual Liability For Pure Economic Loss

South Africa Finance

E

ENS

Are On-the-road Fees Permissible As Charges In Credit Agreements?

South Africa Finance

E

ENS

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Charges, Mortgages, Indemnities

When A Debtor Dies, Can You Still Recover The Debt?

The death of an entrepreneur can turn an already difficult recovery matter into something far more complicated. On paper, a lender or development fund may still have clear rights.

South Africa Insolvency

FW

Fairbridges

Buying Property In South Africa While Living Abroad: How Exchange Control Shapes Your Mortgage

If you are living outside South Africa and buying a home here, your bond (mortgage / home loan) will almost always include exchange control conditions.

South Africa Immigration

FW

Fairbridges

Bond Cancellation Process

Settling the balance is not the finish line; the bond must be cancelled before you transfer or refinance. We handle notice, figures, and lodgement so the mortgage falls away on cue.

South Africa Finance

FW

Fairbridges

The Proper Placement Of Interest Rate Clauses In Lending Documents: Balancing Clarity, Compliance, And Borrower Protections

South Africa Finance

E

ENS

The Effect Of Different Matrimonial Regimes And Foreign Marriages On The Conveyancing Process

South Africa Real Estate

FW

Fairbridges

A Tale Of Patios And Paperwork – Extending A Sectional Title 'Section'

South Africa Commercial

FW

Fairbridges

The Excipiability Of Unsigned Home Loan Agreements

South Africa Litigation

E

ENS

The Risks Of Not Stating That A Debt Is Secured By The Registration Of A Mortgage Bond

South Africa Finance

E

ENS

Balancing The Rights Of Lenders And Commercial Property Owners When A Dispute Regarding Payment Of Municipal Charges Arise

South Africa Finance

F

Fasken

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Financial Services

Tap, Play, Pay - Embedded Payments And The Disappearing Checkout

Embedded payments are transforming how consumers transact, moving payment functionality into everyday devices like game controllers, wearables, and connected objects. As South Africa's Reserve Bank modernises its payment ecosystem, businesses must navigate the regulatory implications of making payments invisible while ensuring accountability remains transparent.

South Africa Finance

E

ENS

Navigating South Africa’s Evolving IPO Landscape: ENS Authors The South Africa Chapter In GLI – Initial Public Offerings, 10th Edition

South Africa's capital markets have undergone significant structural reform with the JSE's Main Board segmentation and the emergence of new licensed exchanges, creating expanded pathways for companies seeking...

South Africa Finance

E

ENS

From Red Flag To Frozen Account - Banking Lessons On Account-freezing Powers And Anti-money Laundering

A South African court ruling examines when banks may lawfully freeze customer accounts based on suspected fraud and money laundering. The case explores the balance between contractual account terms, interbank information sharing, and statutory tax recovery powers when suspicious funds move rapidly through the banking system.

South Africa Finance

E

ENS

The Clock Is Ticking: Preparing Issuers For The JIBAR To ZARONIA Transition

South Africa Finance

E

ENS

More Than A Name And Number - The Hidden FAIS Risk In Referral Fees

South Africa Insurance

E

ENS

Proposed New Rules On Beneficial Ownership For Financial Institutions

South Africa Finance

E

ENS

Telcos, Wallets And Regulation

South Africa Finance

E

ENS

Cash Is Not Disappearing - Why The South African Reserve Bank’s Cash Smart Strategy Matters For South Africa’s Payment Future

South Africa Finance

E

ENS

Crypto Crackdown: What The Reserve Bank’s Case Against Kastelo Means For Your Business

South Africa Finance

E

ENS

See more

Latest Videos

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Axis Know How - Fund Services (Video)

AF

AXIS Fiduciary Ltd

Finance Act 2023 Briefings - Part 3 – Financial Services (Video)

OL

Orison Legal

Axis Finance Act Series 2023 – Business Facilitation (Video)

AF

AXIS Fiduciary Ltd

Lawspectives: Debt Recovery By Gabriel Cornelius (Video)

OA

Olisa Agbakoba Legal (OAL)

Webinar | Regulation 28 And Infrastructure Investment: Why Pension Fund Investors Should Care About ESG (Video)

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ENS

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