Pay Foreign Staff: Mama Money Payroll Solution SA

As an employer in South Africa, ensuring your entire staff, particularly your foreign national employees, has easy, secure, and legitimate access to their earnings is paramount. Traditional banking often presents barriers—complex documentation requirements, lengthy processes, and frustrating delays.

We understand your concerns about legality and whether funds will be "stuck." The good news is that the Mama Money Card and Account are specifically designed to overcome these challenges, offering a robust financial solution that benefits both your business and your employees.

1. Simplify Payroll & Ensure Compliance

The Mama Money Card and Account is a purpose-built financial product focused on the needs of foreign nationals in South Africa, developed in partnership with established financial institutions, currently Access Bank (with Bank Zero coming soon).

This is a legal, regulated account that streamlines your payroll process and directly addresses common employer objections:

Addressing Employer Objections: Your Payroll FAQ

We know you need peace of mind when choosing a payment solution.

Here are the answers to the most common questions employers have about the Mama Money Card and Account:

• Q: Is the Mama Money Account legal and compliant for payroll?
  • A: Yes. The Mama Money Card is backed by established financial partners, including Access Bank, and offers a legitimate, traceable bank account for staff payments. This ensures a clear, traceable, and hassle-free payroll process.

• Q: Will my foreign national staff need a work permit to open and use the account?
  • A: No work permit is needed. Staff can sign up using a Foreign Passport, an Asylum Document, or a valid SA ID, ensuring true financial inclusion regardless of their permit status.

• Q: Will the money be "stuck" or locked up once the payment is made?
  • A: Money is not locked up. Funds can be accessed immediately. Your staff will receive their money within hours of your payment and can access it right away via the card, ATM, or digital services.

2. Empower Your Employees with Full Financial Access

For your foreign national employees, the Mama Money Account is more than just a place to receive a salary—it's a gateway to essential financial services they may have been excluded from.

The account provides all the features needed for daily life and long-term security:

• Daily Transactions: A physical card for secure online purchases or in-store shopping anywhere Mastercard is accepted.
• Safe Savings: A safe place to save money, providing peace of mind and financial stability.
• Accessibility: Cash withdrawal from any ATM or Cash Send to a shop domestically.
• Essential Utilities: Easily Buy Airtime, Data, and Electricity via the App or WhatsApp.
• Easy Access: The account can be fully managed on the Mama Money App or conveniently via WhatsApp (using +27793706788).

A Crucial Benefit: Borderless Money Movement

One of the most significant advantages for your staff is the ability to send money across borders easily. Mama Money is known for facilitating cross-border transfers, allowing your employees to support family in their home country directly from their account.

3. Account Details and Future Growth

The Mama Money Card offers a simple, predictable fee structure:

• Monthly Fee: R25 per month. (A full list of transaction fees is available upon request).
• Card Cost: The physical card is available for R99 at Pick'n Pay stores or from our Head Office/Agents.
• Current Limit: The current monthly transaction limit is R25,000.

Looking Ahead: Expanded Capacity

We are continuously working to improve the product. We are excited to announce that by February 2026, we plan to roll out significant upgrades, including:

• Increased limits of up to R100,000 per month.
• The ability to perform EFTs to other people in South Africa.

Ready to Simplify Your Payroll?

The Mama Money Card and Account is the reliable, compliant, and beneficial solution for paying your foreign national employees. It removes administrative friction for you while ensuring your staff is financially included and empowered.

For more information, to get the full list of fees, or to discuss implementing this solution for your staff, please contact us.

• Product Page: Mama Money Card
• Direct Support/More Questions: Send us a message on WhatsApp

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