© South African Reserve Bank

South Africa has one of the most advanced banking systems in the world. Its banks and financial systems use world-class technology and facilities, and instant cash is available with major credit cards from hundreds of ATMs (automatic teller machines) throughout the country. There are also forex booths at airports and shopping malls. Most of the larger hotels also offer money-changing facilities.

• South Africa’s currency is the rand (great value against major currencies such as the US dollar, euro, UK pound, yuan and yen).
   
• There’s a range of coins (10c, 20c, 50c, R1, R5), and notes in denominations of R10, R50, R100 and R200 (with Nelson Mandela’s face on them).
   
• Banking hours are 09h00 to 15h30 on weekdays, and Saturdays 09h00 to 11h00, although it’s much quicker and simpler to use the readily available countrywide ATMs, which are open 24/7. ATMs are the best to use due to their speed and accessibility. Advise your client to check with his/her bank about using his/her credit card in South Africa before leaving home.
   
• Major credit cards are accepted throughout the country, but it is advisable to have cash (including some smaller denominations) when doing roadside shopping, or when in a small village or rural area.
   
• Tipping is at a customer’s discretion, although 10% to 15% of the bill is customary. Game lodges suggest suitable tips in their in-room information.
   
• Car guards are endemic at shopping malls. Advise your clients not to ignore them as they are trying to make an honest living. R2 to R5 is an acceptable tip, depending on whether they are just watching a car or helping load it with shopping.