Uhlelo olusemthethweni lwamabhange eSwatini luhlanganisa iFirst National Bank of Eswatini, iStandard Bank Eswatini, iNedbank Eswatini neEswatini Bank. ISwaziland Building Society yaqala ukushintshela esimweni sesikhashana se-SBS Bank Eswatini ngo-Okthoba 2025, kanti iLetshego Eswatini Bank yathola isimo sesikhashana sebhange ledijithali ngoJuni 2025. Imithombo yeBhange Elikhulu laseSwatini ehloliwe yayingakaqinisekisi ilayisensi ephelele noma ukuqala kokusebenza kwalezi zikhungo ezintsha. IBhange Elikhulu liphinde libale izikhungo ezintathu zezikweletu. Ukwesekwa kwalo kweEswatini Bank ngoMashi 2026 kwakuphathelene nokulungiswa nokuguqulwa okusheshayo; ubufakazi obukhona abuzange bubonise ukuvalwa. IBhange Elikhulu laseSwatini, elibizwa nangokuthi i-CBE noma Umntsholi WemaSwati, liphethe ukunikeza amabhange amalayisensi, ukuwaqondisa ngokwezimali, ukwengamela uhlelo lokukhokha nabahlinzeki bezinkokhelo, izindaba zokushintshanisa imali yakwamanye amazwe nokuzinza kwezezimali. IGunya Elilawula Izinsizakalo Zezezimali, noma i-FSRA, linomsebenzi ohlukile wokwengamela izikhungo zezezimali ezingezona amabhange. Amabhange asebenza ngaphansi kwemithetho ehlanganisa uMthetho Wezikhungo Zezezimali ka-2005, uMthetho Wezinhlelo Zokukhokha Kazwelonke, imithetho yokulwa nokushushumbiswa kwemali nezilawuli zokushintshanisa imali yangaphandle. Izinhlobo zama-akhawunti ezivamile zihlanganisa ama-akhawunti amanje noma okwenziwa kwemali, okonga, okubiza noma kwesaziso, amadiphozithi esikhathi esinqunyiwe nemikhiqizo yabantu abasha, abafundi, abathatha umhlalaphansi, amaqembu nabahola amaholo. Amazinga enzalo, amabhalansi amancane, izimali zesevisi nokufinyelela emalini kuyahluka ngebhange nangomkhiqizo. Ngokwesibonelo, idiphozithi yesikhathi esinqunyiwe yeStandard ingaqala ku-E1,000 ngezikhathi zenyanga engu-1 kuya kwezingu-36, kanti idiphozithi yeEswatini Bank ingadinga u-E10,000 ngezikhathi zezinyanga ezingu-6, unyaka owodwa noma iminyaka emibili. Amadiphozithi esikhathi esinqunyiwe ngokuvamile avimba ukufinyelela emalini kuze kufike usuku lokuvuthwa, kanti ukuyikhipha kusenesikhathi kungaholela enhlawulweni. Amabhange ngokuvamile acela umazisi noma ipasipoti, ubufakazi bendawo yokuhlala, futhi lapho kufanele, ubufakazi bemali engenayo noma isiliphu somholo. Ulwazi lwamanje lwe-akhawunti yamanje yeNedbank ludinga ukuhlala eSwatini, ukuba neminyaka okungenani engu-18, umazisi nobufakazi bendawo yokuhlala noma bemali engenayo, ngaphandle kwediphozithi yokuvula. Ulwazi lwe-akhawunti evamile yeEswatini Bank lukhuluma ngomazisi, ubufakazi bemali engenayo nendawo yokuhlala, kanye no-E150 okungenani wokuvula nokugcina ibhalansi encane engu-E150. Lezi zibonelo azidali ilungelo elilodwa elijwayelekile le-akhawunti; ibhange nomkhiqizo kunquma izimo. Ukufinyelela kwedijithali kuhlanganisa ukubhanga nge-inthanethi, izinhlelo zokusebenza zeselula, i-USSD noma ukubhanga ngomakhalekhukhwini, ukudluliselwa kwemali ngogesi ne-SWIFT yokudlulisela imali kwamanye amazwe. I-Mobile Money yinkonzo yokukhokha esebenzisa ucingo futhi ayifani nediphozithi yasebhange. Izibonelo zaseSwatini zihlanganisa iMobiMoney, iUnayo nezinye izinkonzo zezinkampani zokukhokha ezinelayisensi. IStandard Unayo Lite itholakala kwizakhamuzi zaseSwatini ezihlolwa amakhasimende kancane, inomkhawulo webhalansi nomkhawulo wokukhipha imali wansuku zonke ongu-E15,000; iUnayo Pro isekela izakhamuzi nezakhamuzi zakwamanye amazwe ngemva kokuhlolwa okuphelele futhi ngokuvamile inemikhawulo ephakeme. INedbank MobiMoney isebenzisa inombolo yeselula ebhalisiwe nomazisi, ayidingi i-akhawunti yasebhange ekhona noma ifomu lephepha, futhi ibeka umkhawulo wokujikeleza kwemali wanyanga zonke ongu-E24,999, umkhawulo webhalansi nowokuthumela wemali ongu-E15,000 ngosuku, nokukhipha imali engafika ku-E9,900 ngosuku. I-lilangeni, enekhodi yemali engu-SZL, yimali yaseSwatini. Irandi laseNingizimu Afrika nalo liyimali esemthethweni endaweni yeCommon Monetary Area futhi lilingana ne-lilangeni ngo-1:1. Abathengisi abagunyaziwe, kuhlanganise iEswatiniBank, iNedbank Eswatini, iStandard Bank Eswatini neFirst National Bank Eswatini, baphatha izinkonzo zokushintshanisa imali yangaphandle ngokwamandla abo. ISwaziland Building Society neInterchange Swaziland banegunya elilinganiselwe ngokwengeziwe njengabathengisi abagunyaziwe. Ukuthengiselana namazwe angaphandle kweCommon Monetary Area kungaphansi kwezimfuneko zokulawula ukushintshaniswa kwemali. ISwatini isebenzisa ukudluliselwa kwemali ngogesi, amakhadi, i-Mobile Money, i-SWIFT nezinye izinkonzo zokukhokha. I-SWIPSS ne-RTGS ziphatha izinkokhelo ezinkulu noma ezidinga ukushesha. I-Eswatini Payments Switch yaqala izinkokhelo ezisheshayo ngoDisemba 2024; kwase kubhaliswe ababambiqhaza abahlanu ngo-31 Mashi 2025. Izinkokhelo ezisheshayo zenzelwe ukutholakala cishe ngesikhathi sangempela amahora angu-24, kuyilapho uhlelo lokukhokha lunwetshwa ukuze lufake ukubhanga okuvulekile nokwamukelwa kwamakhadi okubanzi. Uhlelo lwesifunda lokudlulisa imali ngogesi olunenani eliphansi olunqamula imingcele luhlelelwe ukuqala ukusebenza kusukela ngo-31 Mashi 2027. Amasheke ayekwa kusukela ngo-1 Januwari 2022. Amakhadi okudonsela imali, esikweletu nawe-ATM angasekela ukukhipha imali, ukukhokha lapho kuthengwa khona, ukuthenga nge-inthanethi nokukhokha ngaphandle kokuthinta, kuye ngebhange nangohlelo lwekhadi. Umkhawulo wokukhokha ngaphandle kokuthinta ngu-E500. Amakhasimende kufanele ahlole izimo zokusebenzisa imali yakwamanye amazwe nezilawuli zokushintshanisa ngaphambi kokusebenzisa ikhadi ngaphandle kweCommon Monetary Area, futhi kufanele avimbe ngokushesha ikhadi elilahlekile noma elintshontshiwe. Izindleko zamabhange azifani; zingahlanganisa izimali zanyanga zonke ze-akhawunti, izimali zekhadi neze-ATM, izimali zokudlulisa nge-elekthronikhi, izimali zokukhipha imali, izimali zokuthenga nge-Mobile Money nezindleko zokuwela imingcele. I-MobiMoney ayikhokhisi imali yanyanga zonke kodwa inezindleko ngokwentengiselwano. Uhlaka lokusebenzisa iSikhwama Sokuvikela Amadiphozithi lwaqedwa ngo-2025, kanti ukuqaliswa kokusebenza kwakuhlelelwe unyaka wezimali ka-2025/26. Imithombo ye-CBE ehloliwe ayizange ishicilele inani lemali evikelwayo noma isikhathi sokukhokha isimangalo; ngakho amakhasimende akufanele acabange ukuthi yonke idiphozithi yasebhange inesiqinisekiso esiphelele senani elithile. Amabhange kufanele anikeze Isitatimende Semininingwane Ebalulekile ngaphambi kokuvula i-akhawunti yediphozithi noma yemalimboleko, kuhlanganise i-akhawunti yekhadi lesikweletu noma ye-overdraft, sichaze imigomo yomkhiqizo, izimali, inzalo nolwazi lwesikhathi olufanele. Amakhasimende kufanele agcine imininingwane kamazisi isesikhathini, afunde imigomo ye-akhawunti futhi asebenzise izikhungo ezinelayisensi. Kufanele avikele ama-PIN namaphasiwedi esikhathi esisodwa, abike ngokushesha ukuthengiselana okungalungile, futhi aphathe imilayezo engalindelekile, imizamo yokuntshontsha imininingwane, ubuqili nezinhlelo zephiramidi njengezingozi zokuphepha. Amabhange nabahlinzeki bezinkokhelo baqapha ukuthengiselana ngaphansi kwemithetho yokulwa nokushushumbiswa kwemali, babike umsebenzi osolisayo ePhikweni Lezobunhloli Bezezimali futhi bagcine amarekhodi afanele okungenani iminyaka emihlanu. Isikhalazo ngokuvamile siqala ebhange noma kumhlinzeki wezinkokhelo. Uma ingxabano yomuntu ngamunye noma yebhizinisi elincane ingaxazululeki, ikhasimende lingathinta uMlamuli weBhange Elikhulu nge-Ombudsman@centralbank.org.sz. Uphiko LweBhange Elikhulu Lokuziphatha Kwemakethe Nokuvikelwa Kwabathengi luqondisa amabhange, abathumeli bemali nabahlinzeki bezinkokhelo, futhi inqubo yezingxabano yabantu ngabanye neyemabhizinisi amancane ayinayo imali yokufaka isikhalazo.
Amabhange eSwatini
Amabhange eSwatini ahlinzeka ngama-akhawunti okwenziwa kwemali, ukonga namadiphozithi esikhathi esinqunyiwe, izinkonzo zokukhokha, amakhadi nokubhanga kwedijithali. IBhange Elikhulu laseSwatini linikeza amabhange nabahlinzeki bezinkokhelo amalayisensi futhi libaqondise, kuyilapho iGunya Elilawula Izinsizakalo Zezezimali liqondisa izikhungo zezezimali ezingezona amabhange. Amakhasimende angasebenzisa amagatsha, ama-ATM, ukubhanga nge-inthanethi, izinhlelo zokusebenza zeselula, izinsizakalo ze-USSD ne-Mobile Money, kodwa izimfuneko zokufinyelela, izimali nemikhawulo kuncike kumhlinzeki nasemkhiqizweni.
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