Customer FAQ

Complete the quick and easy online application here: https://www.mediwallet.co.za/applynow

MediWalletzero: For the Care Now Pay Later option, signup shouldn’t take you more than 1 minute and approval is instant as soon as the application has been completed.

MediWallet: For the Medical Credit option, signup takes a little longer as we require some regulatory documents from you: colour copy of your ID and your latest three months’ bank statements (to date of application). As soon as we receive your documents, we can complete our checks. You can be approved in 30 minutes, provided that we have all your documents.

MediWalletzero: No interest, it’s interest free (if you pay on time).

MediWallet: Your first 3 months are interest free! MediWallet aims to be 2% cheaper than credit card interest rates.

MediWalletzero: No fees and no interest for our Care Now Pay Later option (as long as you pay on time).

MediWallet: There is a monthly administration fee of R39, which is only applicable when you’ve used your account. There is also a once off initiation fee, which is charged on your first transaction date, of R49. No fees are charged when the account has a zero balance owing.

You will be approved for a spend limit based on your credit score and an affordability.
This spend limit is customised and is based on a few factors, including your payment behaviour.

MediWalletzero: The amount is simply split in 3x payments.

MediWallet: Repayments are calculated over 3 or 18 months and will include the monthly admin fee and interest where applicable. You are able to settle your account early and there are no penalties.

MediWalletzero: No documents are required!

MediWallet: A colour picture of your SA ID document or drivers license, and latest three month’s bank statements.

We may also contact you to obtain your latest payslip, a quotation from the healthcare partner or a selfie.

Once the necessary checks have been completed and you have received approval confirmation, you can use your account to pay immediately (no waiting period).

You need to have a valid SA ID number, be at least 18 years old, earn a minimum of R5 000 a month and be a responsible credit user (we pull your credit record).

There are a few minimum qualifying criteria that you need to meet before we can grant you credit. We’re all about granting you credit responsibly and want to make sure you’re geared to make your payments.

Our system conducts an assessment (credit behaviour scoring, affordability and fraud analysis) and based on this information, we will determine whether we can grant you credit and how much.

Yes! As our system links the account to your ID number and personal details, you will have to be present or give clear written permission when the transaction is processed. You will also be able to purchase a health voucher for someone using your account. Read more about MediWallet Health Vouchers here.

In-store: You need to present your ID document/driver’s license or Scan to Pay using your MediWallet App.

Clicks: You will need to swipe your MediWallet card or Scan to Pay using the MediWallet App.

Online: Simply select MediWallet at checkout.

MediWalletzero: Once you spend, the first collection will occur immediately at the time of the transaction. Subsequent monthly collections will fall on your selected payday each month.

MediWallet: This is a rolling credit facility. Once you spend, the first instalment will be debited on your selected payday and on payday each month thereafter. The account is subject to FeverTree’s credit policies, which includes the signing of a monthly debit order mandate.

Your payment behaviour is very important.
If you miss a payment, you will be liable for the penalty/default fee of up to R125 for every payment you have missed, Default Interest on an overdue balance charged at a rate of 2.00% per month (calculated daily) and we may also decrease your spending limit. If you are unable to meet your payment commitment, please let us know as soon as possible

Unfortunately not, you are however welcome to apply once you have completed your debt review process.

First, please try the Resend OTP button on the OTP screen. If this doesn’t work, it might be because of one of the following reasons:

• Your cellphone number that we have listed is different to the cell phone number that you’re using.
• Restart your phone. It may be best to begin the process from scratch. Follow the steps until you reach the OTP page again.
• If you are still not receiving an OTP, then check with your Mobile Network Provider to see if your number is blocked from receiving SMSs from certain local and overseas numbers. A common problem is that, if you have ported your number from one network to another, some SMSs are automatically blocked.

If none of the above helped please contact us.

Yes, you can change your elected payday on the MediWallet App or customer portal a maximum once per month. The date for future instalments will be updated - for example if the next instalment date is the 31st, and the current date is the 26th, and the payday is changed to the 25th, then the next instalment will still be the 31st. So only if the payday is the next day or beyond, will it update the instalment schedule for the next instalments.

We’ve got thousands of partners all over South Africa. Click here to find your nearest partners: https://www.mediwallet.co.za/wherecaniusethis