Participating banks

Two lists, for two different purposes. A bank on the real-time clearance list can receive an immediatePayment. A bank on the PayShap list may additionally have a real-time instruction converted to PayShap automatically.

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Real-time clearance

immediatePayment applies only to these banks. Instructing an immediate payment to a bank not on this list will not clear in real time.

Participating bank	Universal branch code
Absa	632005
African Bank	430000
Al Baraka Bank	800000
Access Bank	410506
Bidvest Bank	462005
Capitec	470010
Capitec Business	450105
Discovery Bank	679000
Finbond Mutual Bank	589000
First National Bank, including FirstRand Group	250655
Investec Bank	580105
Nedbank	198765
Nedbank Corporate Saver — clearance delay of up to 2 hours	720026
OM Bank	352000
Sasfin	683000
Standard Bank	51001
Standard Chartered Bank	730020
Tyme Bank	678910

Note that Nedbank Corporate Saver carries a clearance delay of up to two hours notwithstanding its presence on the real-time list.

HBZ Bank was removed from the real-time clearance list on 2024-10-03.

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PayShap

PayShap is not requested in the payload. The bank automatically converts the payment to PayShap where the real-time clearance instruction is to a participating bank and the value does not exceed R50 000.00.

The service type actually applied is returned in the product field of the loadBatch response.

Participating bank	Universal branch code
Absa	632005
African Bank	430000
Capitec	470010
Capitec Business	450105
Discovery Bank	679000
First National Bank, including First Rand Bank	250655
HBZ Bank	570126
Investec Bank	580105
Nedbank	198765
OM Bank	352000
Sasfin	683000
Standard Bank	051001
Tyme Bank	678910

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Differences between the two lists

Banks on the real-time clearance list but not on the PayShap list:

Al Baraka Bank · Access Bank · Bidvest Bank · Finbond Mutual Bank · Nedbank Corporate Saver · Standard Chartered Bank

HBZ Bank appears on the PayShap list despite having been removed from the real-time clearance list in October 2024. Since PayShap conversion is described as applying to a real-time clearance instruction, confirm with customer support how a PayShap payment to HBZ is initiated.

Standard Bank's branch code differs between the two tables — given as 51001 for real-time clearance and 051001 for PayShap. The six-digit form 051001 is used in the worked examples throughout the guide. See known issues.