Women's Month Interview Q&A - Nontathu Mahamba

Q • What barriers have you faced as a woman in becoming successful in your field and how did you overcome them?

A • It’s some cultural norms where one had to stand up and normalize certain things that people feel are an opposite of what you should do because of one’s gender, breaking certain perception. These perceptions come with expectations that breeds limitation to many women’s full potential.

Q • How are you managing the challenges of balancing your role as a mother and as a leader?

A • Being a mother and leader requires flexibility, it is through time management that I am able to equalize the two. Effective time management enables me to be better organized and helps me to prioritize tasks creatively. At times, the pressure of juggling two roles becomes a lot and this is when I know that I need to have time for myself to recharge and have fun so I can continue with tasks at hand.

Q •How are you preparing your child/ren to be better future leaders, taking learnings from your experiences?

A • I believe in open communication and empowerment. Empowering children with knowledge, talk about things facing the society like GBV, lack of entrepreneurial skills to develop the economy is very important as they are vulnerable. Our children should not be afraid to ask us questions as parents because we are defensive. We should be the source of information to them because they will get the information outside the wrong way whilst when they ask these question they also offer us an opportunity to teach them. If we do that in their time, these issues are not going to be in their vocabulary but rather they will commemorate what we are facing now.

Q • Who is the woman that inspires you and why?

A • I want to say my mom … laughs… it’s obvious she inspires me. In actual fact Dr. Nkosazana Dlamini Zuma, she is very firm in decision making, unwavering. Radical in transformation, she’s been ministerial positions with outstanding performance. I have great regard of her.

Q •This women’s month, what is the most important message you want to send out to women and young girls?

A • It’s very important as a woman to first know and acknowledge who you are, embrace your uniqueness. If there has been anything that stands in your way of having confidence you really need to seek help and get mentors. Invest in yourself with love, care, skills, we need to be more empowered to unite and stand up just like the women did in 1956. It’s not easy to give what you do not have. You are very important in the community, with your love and skills you will be instrumental to collaborate with other women to build a better community where it will be safe and joyful to live in. The battle is bigger than looking down at each other, it is bigger than thinking that they must than you must or I must. It needs us to unite.

Women's Month Interview Q&A - Disebo Motsoha

Q • Are there any assumptions about women that you would like to change and why?

A •Often we hear that “Women are solely responsible for home and family”- this reflects that gender stereotyping is still a problem in our society and I believe it contributes to women setback in the corporate environment and being perceived as not having leadership qualities and potential.

Q •How important is it for women to lift each other up and what does it mean to you?

A • It is very important for women to support each other because we were not made to be alone in this world. We are relational beings, made to connect. When you support another individual you become part of something bigger than yourself; as we saw with the women in 1956 who came together to protest the extension of the Apartheid pass laws to black women. Lifting another woman means you develop a network for yourself and the results thereof means a connection in an unimaginable way that can help you in the future.

Q •Women are known to having the responsibility of holding societies together, be it on the home front or in their communities. In light of COVID-19 how have women risen to the challenges facing the nation?

A • I would just like to highlight that women have always taught their children the importance of good hygiene. From a young age, a mother would teach her child the importance of washing their hands before meals, after a visit to the lavatory or after some playing activities. The other lessons that mothers would instil from a young age is to always cover the mouth when coughing, not to talk while eating and to always use a tissue to wipe your nose. As much as COVID-19 was a scare to everyone, as women, we were confident that the basic protocols were already in practice. In addition to that, there were women in the work place who were in the fore front, helping to fight the pandemic; the doctors, nurses and other women in different of organisations, including Ubank! I am proud to say that I am one of the COVID-19 representatives and women made societies to be prepared to deal with the COVID-19 health protocols!

Q •According to you, what does it mean to be a woman in South Africa today?

A •Being a woman in South Africa one has to be constantly trying hard not to be discouraged by the society that makes it its mission to label and put me in the box(underrated) of what I can and cannot do, and also the discrimination and violence against women and children makes our lives as South African women unbearable.

Q •This women’s month, what is the most important message you want to send out to women and young girls?

A • For Women in leadership, may we be the voice of those behind us. May we hold the ladder for those at the bottom to climb to a place of empowerment. We are our sister’s keepers- For the young girls they must focus on their education and believe in themselves also identify role models and look up to them. They must dream big and love themselves.

Women's Month Interview Q&A - Nonceba Bogopa

Q • According to you, what qualities make a great leader?

A •Ability to inspire
Effective communication
Being prepared to take risks and learn from mistakes

Q •What do you think is the biggest issue facing women today in the professional environment?

A • Top positions in leadership are still occupied by men and women need to work twice as men to get those positions.

Q •Are there any assumptions about women that you would like to change and why?

A • Women are expected to lead in a certain way and they will be labeled as bossy, aggressive, difficult, too much, soft heart, weak. My advice to women they must not shrink themselves to make people happy, they must remain who they are.

Q • Based on the Ubank values what could SA as a nation do to curb the rise of gender violence and femicide? Ubank values of Respect and Ubuntu could be used by SA as a nation to curb the rise of gender

A • Part of the problem and the reason why we see the rise of gender violence and femicide it’s because people have lost humanity towards other (Ubuntu) and also lost respect; as people we need to treat one another with dignity. Members of the society needs to be educated about GBV and these talks must start in our families and we also need to change the norms of the society and raise girls and boys in the same way. We need to use our voices on social media to bring awareness about GBV and femicide

Q •This women’s month, what is the most important message you want to send out to women and young girls?

A • This is the perfect time for women and young girls to stop being apologetic of who they are, they must rise to higher levels, where they are destined to be.

Women's Month Interview Q&A - Kelebohile Molapo

Q • What barriers have you faced as a woman in becoming successful in your field and how did you overcome them?

A •Support was the most prevalent barrier, particularly from other women. I had a difficult time in pointing out the real reason why my growth was stagnant in my career only to realize that the support from leadership, in particular women, was minimal and at times non-existent. Despite how well I did or proved myself there was no one backing me up to level up because they themselves would rather hold onto their positions as opposed to seeing another woman progress.

Q •How are you managing the challenges of balancing your role as a mother and as a leader?

A • I believe there is no balance, there is a give and take. Something must be sacrificed in order for me to focus on my career. Having help (from my mom) has been the only way I have somehow managed to continue playing a role of being a mom whilst being in a leadership role at work. I believe it is still a work in progress, pun intended. “A mother is she who can take the place of all others, but whose place no one else can take.” Cardinal Meymillod.

Q •How are you preparing your children to be better future leaders, taking learnings from your experiences?

A • I am trying to teach my daughter to be open minded and to trust and believe in her own capabilities. I try at all times to point out her strengths whilst having conversations with her about what interest her. I would love for her to be a part of the “world citizens” unlike me, my education has only been of reference to South Africa. I want her to travel and appreciate the different things others learn and pick up from travelling and being exposed to different cultures and way of doing things. I believe she can learn a lot from that.

Q • Who is the woman that inspires you and why?

A • My mother. She has a way of making everyone feel special, she looks at people with an endearing smile. She has taught me to love unconditionally, give without expectations and faith surpassing all understanding. She is well educated and continues to impart knowledge to others, a great leader in our community. She embodies so much grace and she is love personified..

Q •This women’s month, what is the most important message you want to send out to women and young girls?

A • Practice using words that affirm you on a daily basis. I believe that leads you to believe more in yourself and not falling in the category of those who seek validation from others. You are enough just the way you are, you are worthy!

Women's Month Interview Q&A - Dikeledi Buthelezi

Q • Who is the woman that inspires you and why?

A •I get inspired by different things from different women across the globe. The one woman that stands out for me is our very own Bonang Matheba and simply because she is ambitious and goal driven. I see a lot of her in me and believe I share the same beliefs and values as her. I believe that her success and achievement has not changed the person she is. She is authentic and true to herself, lives by her own standards and is not too hung up on impressing the “system”. I realised early in my career that I am a free spirited person and struggle with oppression and rules that do not make sense to me.

Q •What benefits have you observed or experienced from including or having more women in your teams?

A • Women are creatures that are naturally born with so much strength and wisdom. Therefore, being around such power accelerates the fire in me to strive to achieve more as I see in them that it is possible. They also bring a sense of comfort in a working space. There are a few women though that still needs to be a bit mindful of themselves so that they are able to accommodate and uplift others.

Q •Are there any assumptions about women that you would like to change and why?

A • Yes, some women don’t value their worth. They end up being stuck and accepting that is part of their destiny. For example, being married but not happy and doing it to please the society and for the sake of the kids. Another example is accepting that senior roles are meant for male figures. Women need to rise up and understand that they were born to lead in their humbleness.

Q • The best leaders exhibit certain traits that make them hugely successful and according to John C. Maxwell, he describes a leader as one who knows the way, goes the way, and shows the way. According to you, what qualities make a great leader?

A • As a leader you need to lead by example and walk the talk. Great leaders are transparent, supportive and patient. They are able to trust the process of delegation and also as part of growth and development. As a leader you need to relate to your followers so you have a better understanding of their diverse personalities. This will influence the team to share the same vision and goals to achieve better results. Great leaders do not complicate methods, they are results driven and reward success.

Q •This women’s month, what is the most important message you want to send out to women and young girls?

A •Stop limiting yourselves as nothing is impossible if you put your mind to achieve it. Prioritise yourself and understand that inner peace is important for the soul therefore delete toxic people including toxic activities in your life. Every person is born with the spirit of leadership. Therefore, it is upon every individual to enhance this gift by constantly developing themselves one way or another

Women's Month Interview Q&A - Dr. Angelique Ntsadi Mokgethwa

Q • A recent study on South African Women in Business has found that women struggle to speak up to persons in higher positions, with 55 percent having little or no confidence in being able to address challenging issues. What do you think is the biggest issue facing women today in the professional environment?

A • We need to admit and have the realization that women marginalisation is so common and rife. In as much as we do not want to admit, women are side-lined, oppressed and thought less of because of being women. It is not by choice that women’s battles in the various professional spheres have become harder and harder by day; but by how the corporate world has socialised and tuned mindsets to believe that women are inferior to their male counterparts. This is compounded by the evident discriminatory practices in the workplace i.e. salary gaps, sexual harassment, race & ethnicity, ego clashes, work-life imbalance, etc. Women do not generally subscribe to the culture of mate-ship or “Boys Club Syndrome” whereby decisions are often taken outside of the formal work environment i.e. pubs and golf games which leads to women having to fight battles and to justify and validate themselves. Women are still considered “less than” in terms of leadership capability in many organisations and this is not necessarily true. Women are generally a competitive and a grounded species and are not easily destructed by male counterparts. Women have an inborn ability to calm the storm in situations that are bound to explode and this is in their nature.

Q •Women are taking it upon themselves to further educate and up-skill themselves in order to be able to fill leadership roles. One of the major perceptions/assumptions that has been identified is that women are not able to handle stress as well as their male counterparts or that women are not educated enough in order to climb the corporate ladder – What is your view on this?

A • Women have come a long way in terms of progression and workplace equality. The corporate war between female and male has reached levels where women have to justify and prove themselves in the hierarchy. It is fact that while more women are educated and more employed than ever, there are still many other factors that could be stressful that women have to juggle i.e. having to take care of household chores and childcare and at the same time trying at all costs to meet workplace obligations. The challenge arising when women try to navigate and balance work and family can become costly as they can manifest and present health related challenges. Perhaps as a society, we need to continue to encourage people to go beyond stereotypes and recognize the contributions that each individual, male or female, can make to the workplace and to relationships at home, and where possible balance the equation for both men and women, both at home and at work. In that, the stress levels for women could be alleviated.

Q • Who is the woman that inspires you and why?

A • There a few women who inspire me – the likes of Maya Angelou, Michelle Obama, but Advocate Thuli Madonsela takes the crown for me. This is based on her tenure in the Public Protector’s Office. She inspires a work ethic, very resilient and takes criticism with open hands. She is a woman of integrity and displays tenacity to see things through. She touched the ‘untouchable’ without backing off. She stood by her word, she led from the front, she is a fearless leader, she is a visionary, an authentic leader, she is a true servant. Her foot-print in the office of the Public Protector is remarkable!

Q • Based on the Ubank values what could SA as a nation do to curb the rise of gender violence and femicide? This can talk to the nurturing, family, Ubuntu, community, respect, enabling/supporting aspects of the brand

A • “Spare the rod and spoil the child” as well as the African proverb that says “it takes a village to raise a child” remains relevant for me to this day. The social ills and the moral decay in our society, which manifested by a few aspects, ranging from poverty, unemployment, substance abuse, dis-organised families, etc. Unfortunately, our country is bleeding the effects and impact of femicide and GBV. However, these two phenomenon have in recent years remained common in our society and has impacted largely on women and children. Women not only face inequality, unemployment and poverty but added to all these is GBV and Femicide. The moral fibre and respect for human life is non-existent. I am however inspired by the stance my employer has taken to stand up against GBV and femicide through awareness campaigns and news-letters speaking against GBV and Femicide. I am happy to be associated with an employer that values human life and subscribes to the value of RESPECT. GBV and the total disrespect for Human Life particularly in South Africa remains a challenge. I must say that parenting has become harder for most families and the societal influences that face most communities – peer pressure, bullying and violence have become very toxic and has led to most of the GBV incidences we see in our country. We all have to stand together and speak in voice against GBV and Femicide – men and women alike.

Q •This women’s month, what is the most important message you want to send out to women and young girls?

A • In conclusion: A quote by Maya Angelou “If you are always trying to be normal you will never know how amazing you can be” She goes on further to say “You may encounter many defeats, but you must not be defeated. Please remember that your difficulties do not define you. They simply strengthen your ability to overcome”. My message to women out there is the new normal that we have to forge for our voice to be heard, seen and recognised. We need to embrace our personal authentic brand, you are worthy, you are the change that you want to see, push boundaries by understanding what is needed to succeed, you are an authentic brand – so embrace it, recognise and build self-confidence and self-worth, lead from the front, make those not so popular but authentic decisions, forge vital partnerships, and step up to own fullest potential and claim the leadership authority that is rightfully yours without justifying your actions – YOU ARE A WOMEN AFTER ALL

Women's Month Interview Q&A - Joanna Ndebele

Q • This women’s month, what is the most important message you want to send out to women and young girls?

A • To women – let’s press on with confidence aspiring to deliver at the same or higher levels with our gender counterparts, knowing that we are creating a world whereby, as Sheryl Sandberg has said “in the future, there will be no female leaders. There will just be leaders”. To the young girls – we encourage them to dream as “little girls with dreams, become women with a vision”.

Q • In light of COVID-19 how have women risen to the challenges facing nations?

A • Feminine leadership qualities of nurturing, empathy, caring, listening and collaboration, have been pivotal, they have enabled women to rise to the COVID-19 challenges and excel. We have seen women caring for their families and at the same time delivering on key roles together with men, in communities, business, the corporate world and certainly in areas that are of essential services. According to the Harvard Business Review (June 2020), countries with women in leadership have suffered six times fewer confirmed deaths from Covid-19 than countries led by men, e.g. New Zealand. We salute all women for playing a key role in flattening the curve, and celebrate women excellence.

Q • What benefits have you observed or experienced from including or having more women in your team?

A • From my experience the emotional well-being of the organization certainly improves with more women, as they bring the feminine leadership approach that focuses on caring, nurturing, uniting and developing your people. Investing in more women without a doubt delivers improved bottom line performance. According to McKinsey, the most gender diverse companies are 21% more likely to experience above-average profitability.

Q • How important is it for women to lift each other up and what does it mean to you?

A • One of my favourite quotes from Maya Angelou says that “I come as one, but stand as ten thousand”, during this month we acknowledge the strength and courage of the women who marched in 1956, their work culminated in the opening of doors that we are walking in even today. In a nation where women are under-represented in various organizational structures and societal spheres it is imperative that we lift each other up, supporting, mentoring, coaching and being the voice of change for other women. The gender equality issues should also be addressed by men as the benefits are for all people, generations to come and society as a whole.

Q • According to you, what does it mean to be a woman in South Africa today?

A •As I celebrate being a woman today in South Africa, I also have to be aware of the scourge of gender based violence and femicide facing the nation. I have a responsibility of contributing to efforts of educating men, especially from a young age and society at large to respect women, honour them and value them as equals in society. Further as women we need to be a force of influence in the shaping and development of policies that will protect and provide a safe and secure society for all women.

Women's Month Interview Q&A - Harriet Heymans

Q • With so many obstacles on the road to gender equality, research has shown that women trying to rise up into leadership face cultural and systemic hurdles that make it harder for them to advance. How important would you say it is for women to lift each other up and what does it mean to you?

A • I think all leaders, men or women, have to ensure they uplift the lives of the people  they are working with. The business world needs leaders that focus on people  development through identifying and nurturing talent. As a woman in a leadership role  I find that being available and creating time for coaching and mentoring is a very effective way of engaging with younger talent and giving them guidance in navigating family, work and balancing reality with sometimes misguided aspirations. I was extremely privileged to have had several leaders do the same for me on my journey and I believe that it is my duty and privilege to now pay it forward. That said, not only leaders can and should make a difference, all people at any level of an organisation can lift up people that they engage with. An encouraging comment when you see someone is struggling or a genuine  compliment can go a long way. Sometimes all people want is to know their effort are being seen and is appreciated.

Q • What barriers have you faced as a woman in becoming successful in your field and how did you overcome it?

A • I found that the greatest barrier to success is usually self-inflicted. Many times women stand back due to lack of self-confidence or self believe and question their ability to deliver. We believe that we cannot take on a task or a role that we have not performed or mastered, where men in the work place tend to take on any challenge and in the back end find a way to deliver. Once you believe in your own ability, trust your gut and know your heart is in the right place nothing can stand in your way. If you do not believe in yourself no one else can or will.

Q • The best leaders exhibit certain traits that make them hugely successful and according to John C. Maxwell, he describes a leader as one who knows the way, goes the way, and shows the way. According to you, what qualities make a great leader?

A • I believe what makes a great leader is being human, authenticity and speaking your truth. As human beings we are all fallible and vulnerable. If you do not show people your human side it is extremely difficult for you to relate to them and for them to relate to you. As much as it is very difficult to show vulnerability in the work place, trying to stay strong for everyone else and not to make any bad decisions or mistakes is not sustainable. People know when you are not being authentic or genuine and this will make them weary of your intentions. Always speak your truth – your actions need to match your words, being consistent and delivering on your promises shows your character and intent.

Q • Women are known to having the responsibility of holding societies together, be it on the home front or in their communities. In light of COVID-19 how have women risen to the challenges facing the nation? This could talk to the spirit of performance, achieving – value of excellence, also building and uplifting of families and communities

A • Women and their nurturing nature have a natural way of building and uplifting their families and communities. During the lockdown period we all have experienced multi-tasking and prioritisation at a different level with kids’ home schooling, tending to our ageing parents, house work and delivering at work. But, we somehow make it  through for our families and communities. Women are the fiber that keep families and communities together.

Q • This women’s month, what is the most important message you want to send out to women and young girls?

A • My favorite leadership guru Robin Sharma once said that his grandmother taught him this very important lesson – people might forget what you were wearing, people might forget what you look like- or what your said but people will never forget how you made them feel. Treat people fairly and with dignity and they will do the same.

In Addition To Ubank Helping U - Here's How The Government Can Help U

For 40 years Ubank has been there for U. In today’s turbulent times we are by your side every step of the way. Many South Africans have had an interruption in their stream of income, and are looking for help.

Government’s COVID-19 Social Relief Of Distress Grant for Individuals

The SASSA COVID-19 SRD grant is available to all citizens who fall within the qualifying criteria. This grant will be collectible from May until October 2020. The grant was announced by President Ramaphosa and forms a part of the R50 billion social and economic relief fund allocated to various sectors in South Africa.

To apply for the grant U can go through various channels, which are :

  • Whatsapp Number: 082 046 8553
  • Dial the USSD Number: *134*7737#
  • Email:
  • Contact the Call centre IVR: 0800 60 10 11
  • Visit the Website:

To check if you qualify visit COVID-19_SRD_Grant.

Government’s Relief Initiatives for Business

The government has approved a number of other grants to help SMMEs during the COVID-19 pandemic. These include the Debt Relief Fund, the Business Growth/Resilience Facility, the Solidarity Fund, and the UIF Subsidy.

Debt relief fund: designed to provide relief from existing debts and repayments, the Debt Relief fund is aimed at small to medium businesses. To qualify for this fund, SMMEs need to show exactly how CPVID-19 has affected them and their income stream. To find out how to apply, and if your business qualifies, click here.

Business Growth/Resilience Facility:  This fund is aimed specifically at companies that manufacture health and hygiene-related products such as hand sanitiser and face masks. The fund will provide working capital, stock, bridging finance, order finance, and equipment finance. You can apply for this fund through the  SMME South Africa platform:

The Rupert’s R1bn donation: Small and medium enterprises can qualify for a part of the R1 billion donation the Rupert family donated specifically to assist small businesses. Small businesses can receive from  R250 000 to R1 million in funding should they be in financial distress as a result of Covid-19. Click here to apply:

The Temporary Employee Relief Scheme (TERS): TERS is another financial relief fund that is designed to help employers to pay their staff, This initiative is aimed at reducing retrenchments during the Covid-19 pandemic. If you think that your business can benefit from this, email, for more information.

The Tourism Relief Fund: If your company is a part of the tourism value chain, you can apply for a once-off grant to ensure your company’s sustainability. The grant is capped at R 50 000 per company. For more information, or to apply, visit:

National Empowerment  Fund (NEF): R200 million funding has been allocated specifically for black companies that manufacture medical products relevant to the COVID-19 pandemic. To apply for this funding, click here

Opportunity to submit proposals: All SMMEs have the chance to submit proposals to the government for various health and essential services. This is to get information on which companies are able to participate in creating goods and jobs during the pandemic. If you think that your company may benefit from this, click here to find out more.

For more information on the Coronavirus (COVID-19) and what steps U can take to protect Yourself and your loved ones, visit



Tips and Tricks to Make Your Groceries Go Further

These days it seems like we never get as many groceries for the same cost as we used to. Things are more expensive, and money is scarcer thanks to the Lockdown and COVID-19. There are a few clever ways to get your groceries to go further though. If U manage them well and use them cleverly U will be able to get more bang for your buck when it comes to buying and using groceries. We have compiled some neat tips and tricks to help U stretch your food staples as much as possible.

Reuse and Recycle

Reusing vegetables or meat from the day before is a great way to make sure that you don’t waste anything. Turning leftovers into a pasta dish with a great chakalaka sauce is always popular. Chop the meat up finely and do the same for the veggies. Cook the pasta as instructed on the package. Add a tin of chakalaka and add your leftovers, and there U go! Everything U cook can get used in one way or another.

Scrambled eggs in the morning is another great way to use both meat and veggies. Potato skins or peels can be reused as chips. Simply shallow fry them in a little oil while the rest of your meal is being prepared. Toss them with some salt and pepper and serve to keep hunger pangs at bay.

Use the Whole Product

When we cook we often throw parts of our produce away. Carrot tops, beetroot leaves, and even fish heads are great examples of this.

Making sure that we have no waste is a good way to make our groceries stretch further. Fish heads and bones can be used to make a nutritious soup. Carrot tops and other greens can be fried up or put into soups and stews. Pips and seeds can also be eaten in many ways. Pumpkin and butternut seeds make a great snack when baked in an oven. Just make sure that the seeds are dry, toss in a tiny amount of oil, and bake until crunchy. They can be eaten alone,  with a soup or a  salad.

Buy Sale Items

When U are shopping make sure that U get as many items on sale as U can. Every rand saved counts. Look for items that may be 50% off because of an approaching expiry date. Keep an eye on newspapers that have inserts from various stores showing U what may be on special, and shop accordingly.

Plan Carefully

When we shop we often buy a whole lot of unnecessary items. Planning your shop before U leave is a great way to stay on track. Make a list, and only buy the items on the list. If U are able to spend a little extra, plan for certain treats and make sure that they don’t get eaten right away. Making a menu for evening meals will also help U plan ahead and only buy the food that U really need for the week.

Shop Weekly

Shopping once a week helps U to keep vegetables fresh, and not overbuy. If we only do a monthly shop, we often end up throwing fresh produce away as it goes off or mouldy. Plan your menu for the week and buy fresh veg accordingly.

Grow Your Own

Supplementing your groceries with food that U grow yourself is a great way to make your groceries go further. Vegetables and herbs can be grown in a simple box on a window-sill if U don’t have much space. Often these veggies can be grown from offcuts of old ones. Carrot ends planted in the soil will grow and produce greenery that U can use for stews and soups. Potatoes, beets, and sweet potatoes can be grown from old produce in two old tyres outside your door with a little sun and some soil. Ginger and celery can be grown from pieces of used plants. Be sure to keep the root part of as many veggies as U can, and plant them. Experiment a bit to see which ones grow best for U.

For more information on the Coronavirus (COVID-19) and what steps U can take to protect yourself and your loved ones, visit

#UMatter FSP14740

Side Hustles that May Work For U

In today’s uncertain times, we all need new ways of making a living. Gone are the days when we could survive on only one income stream. Side hustles are growing in popularity, and with good reason. Having a side hustle, or three helps to subsidize and increase your main income. From creating an online shop for selling masks, to redoing people’s CV’s there are almost endless ideas out there to make extra income. Not everyone can do everything though, so we have compiled a list of three side hustles that may work for U.

1)   eCommerce for handmade masks or other items:

U may have heard the term online shop. A technical term for this is dropshipping. Dropshipping is where a person creates a product and then sells it online. The product is then delivered to the buyer via courier or another supplier. Dropshipping is easy to set up and can be done from anywhere. All U need is a creative product to sell. Making and selling handmade masks from your own fabrics of choice is a good way to start given the COVID-19 demand for them at the moment. Handmade clothes, beaded accessories such as bags, and even homemade preserves are all great things to sell via your online shop as well.

There are quite a few affordable resources not only helping U step by step to set up your own store, but also guiding U to the best platforms. Shopify is one of the easiest platforms to use. U can sign up and build a store using a theme in under ten minutes.

2)   Provide Business Services.

Many companies and people need professional business services. Whether these involve redoing CV’s so that they are more professional, or typing documents and capturing data, there are almost endless opportunities out there. Learn how to use free accounting cloud services, and offer your time to companies to tidy up their receipts and accounts. There are some great free resources out there that help U do accounts for free such as Wave. Skillshop is an online learning platform powered by Google. It teaches U exactly how to make the most of the Google Suite. Once U have mastered this, U can offer your services to small businesses or people that don’t have as much knowledge as U.

Some great free business learning sites to help U get ahead include HubSpot Academy where U can do courses on digital marketing. Natalie MacNeil and MyOwnBusiness are authors that often have free online courses aimed at helping Ubegin and grow your own business.

3)   Bake or Cook

Selling your own homemade baked goods or even preserves or pickles is a great way to add an extra income. If U work in an office U can market and sell your products to co-workers. If U don’t work in an office right now, U can set up a social media page and sell to your neighbourhood. Look for community pages and advertise there.

How to Use Social Media for Business Resources

In general, everyone is having to adapt to a digital way of living. This means that there are more services online that people will need assistance with. We have compiled some good resources to help U gain business knowledge. We should never stop learning. Even more so if we want to build our own side hustle businesses. Taking online courses for free can be done on your cell phone, U don’t even need a computer or laptop. There are tons of free course sites out there. Here are some of our favourites:

  • Code Academy is one of the top online coding courses worldwide. Coding is growing in popularity as a career for young people, as it is needed everywhere and can form a solid career.
  • Moz is a great resource for learning SEO. Every website is made up of content, and that content is always being crawled or catalogued by search engines. SEO is essential in making sure that a website is seen and brought up on a search. Learning SEO can help U to work as a freelance SEO manager or improve your own business online.
  • edX is a great free site for learning over 400 topics. Learn how to apply financial analysis to a business model, or even how to create sales funnels and target audiences correctly.

COVID-19 and the Lockdown has made much of the country creative when it comes to side hustles. Don’t be left behind, get your own side hustle going and help to secure your income, or boost what U already earn.

For more information on the Coronavirus (COVID-19) and what steps U can take to protect yourself and your loved ones, visit

#UMatter #sidehustles #morejobs #moreincome #entrepreneurship


How To Identify And Avoid Scammers

The COVID-19 pandemic has created even more opportunities for scammers to target people.

Phishing is a cybercrime in which a person is contacted via email, telephone or text message by someone posing as a legitimate institution, like your bank for example.

This is to persuade U to hand over sensitive data such as personally identifiable information, banking, credit card details, and passwords.

Very often fake websites can look very real! They are specifically designed to catch you out and steal your secret information by asking you to type in the username and password of your bank account for example.

The information is then used to access important accounts and can result in identity theft and financial loss.

Be smart! U can spot scammers if u pay attention. We know that U may be eagerly awaiting feedback on a loan or a grant, and may want it right away, but beware! Don’t enter any of your information unless you are 100% sure that it is real and has been verified by us. Often criminals use even simple platforms and tricks to get U to give up your details.

Types of Scams

  • Phishing: Phishing is where scammers get your info such as your email address and send U a mail with an attachment. When U click on it, U are then linked to a fraudulent website that asks U to input details. The website may look like your bank’s for example, but there will always be something a little different in the spelling in the search bar.
  • Vishing: Vishing is a combination of the word Phishing and Voice. Just like it sounds, scammers will use your info that they have stolen online to give U a phone call. U will then be asked to disclose certain private details. The caller often creates a sense of urgency in order to pressure U into giving out passwords or pins. Banks will never contact customers over the phone and request sensitive passwords. If U experience this, call your bank right away to report it.
  • Smishing: Smishing is similar to the two scamming methods mentioned above, but is done over SMS or a messaging software such as Whatsapp. The message will often instruct the reader to call a number due to unauthorised transactions on their account. During the COVID-19 pandemic, smishing messages often revolve around government grants.

Channels That Scammers Use To Contact U

Scammers may use various channels to contact U, depending on what their technique is. Here are the main three to be watchful on.

  • SMS: One of the most common methods is to send U an SMS claiming to be from a bank. This message will often have incorrect spelling or grammar, as well as not being in exactly the same format as the ones that U usually get. If U are in doubt, always phone the Ubank call center on 086000 8322. Never dial the USSD code that they provide unless we have guaranteed that it is correct.
  • Email: U may receive an email from a seemingly secure looking Ubank site. The email will have an attachment that will take U to a page that is designed to capture all of your details. The email itself will state that your grant has been approved, or they just need a bit more information to approve your grant. Do not click on the attachment, and report the email immediately.
  • Telephone: Scammers may actually call U. Usually, the call will be of an urgent nature, and they will pressure You into revealing private details. Never give any details over the phone to anyone. If you receive such a call, contact the bank and report it immediately on 086000 8322.

How To Avoid Scammers

Keep Informed

Stay up to date with the newest phishing scams. U will be less likely to be caught if U are informed.

Don’t Just Click

Taking a moment to really think about what U are about to click on will also make a huge difference. We often simply click on a link automatically. Pause before U do, and consider whether the link is genuine or not.

Never Give Out Personal Information

Never give out your personal info to anyone, unless U have verified who they are. No bank will ask for private details over the phone, nor on a website. Make sure that the website that U are on is not fake A secure website will always start with “https”

Remember that Ubank will never ask you to do any of the following things via email, telephone or any message:

  • Request that you open an email attachment, or click on any links.
  • Request your username and password
  • Request your PIN or any other password
  • Request your One Time Pin (OTP)

Scammers are everywhere. They are especially active right now, taking advantage of the  COVID-19 pandemic relief funds Stay safe, and be sure that U don’t fall prey to scammers.

For more information on the Coronavirus (COVID-19) and what steps U can take to protect Yourself and your loved ones, visit

#UMatter #cybersecurity #phishing #vishing #smishing #scams #cybersafety #bealert #beaware #keepingUsafe


Message from Ubank Chief Executive Officer, Luthando Vutula Response to President Cyril Ramaphosa's speech on R500bn rescue package and COVID-19 lockdown ending in phases

In times of crisis, great leadership is required. Our president, Cyril Ramamphosa has proven over the past few days that he is just the leader that our country needs.  The President’s last two speeches have clearly outlined that not only does he value human life, but our economy too. The measures put in place towards the end of April are without a doubt designed to alleviate the economic downward pressure all businesses currently are facing, Ubank included.

In his speech on Tuesday the 22nd April, he announced that in total, R500 billion rand has been earmarked to COVID-19 relief. The President detailed a carefully thought through economic stimulus package that has been designed to alleviate the current economic crisis brought on by the COVID-19 pandemic. As part of this, he announced a debt guarantee scheme of R200bil. Initially, the scheme will support companies that have a turnover of less than R300m a year. This is expected to support over 900,000 businesses employing over 3 million employees.

For SASSA recipients child support grants have been increased to an extra R300 in May, with R500 being added from June to October. R250 will be added to all other grant beneficiaries for the next 6 months.

For those who are unemployed, and do not have UIF, R350 has been allocated per person for six months as well.

Taxpayers who have given to the Solidarity Fund can look forward to receiving a 10% tax refund over this period. On top of this, there is an R100bn fund set aside for the protection and creation of jobs, that Ubank is proud to have donated towards.

In his speech on the 23rd of April, the President further elaborated on the status of South Africa’s hard lockdown. A five-level plan has been initiated with the intention of slowly getting our economy back on its feet. This will be constantly assessed and may be adjusted according to the infection rate and the ability of our health care systems to cope with the pandemic.

Level 4 of the lockdown plan will kick off on the 1st of May 2020. This will see a certain lifting of restrictions, while still maintaining social distancing and other health practices such as wearing masks. This will obviously have positive implications, not just for the nation, but for all of our staff and customers at Ubank as well.

Ubank welcomes the measures and, ready to service its customers as they return to work, and has full faith that our R2m contribution to the Solidarity Fund will help those affected. Furthermore, I urge the Ubank community to uphold all Lockdown regulations, continue the health and safety regiment we have maintained during stage 5 of the lockdown, and remain safe and disciplined.

We again want to take this opportunity to thank you for your sacrifices and hard work during these trying times.

We have risen to the challenge. Stay positive, there is hope on the horizon.



Luthando Vutula

Chief Executive Officer

Ubank Limited

Things we are doing right now in our branches to ensure your wellbeing

U are always a priority for us. As the government ramps up measures to curb the Coronavirus (COVID-19) infection rate, these are the protective steps Ubank is taking to ensure that all our people are safe within our main branches:

  1. Social distancing: The Coronavirus can spread when an infected person coughs or sneezes. To protect our customers and employees, we are reducing close contact between people by making sure they stand well apart from each other.
  2. Hand sanitizing: All our branches have quality hand sanitizers with a high alcohol content which can help avoid our people getting sick or passing on germs to others.
  3. Reduced headcount measures: We are limiting the number of people who queue inside our branches and at our ATM’s, so we can follow the recommended social distancing guidelines.
  4. Safety equipment: Masks and gloves have been distributed to all our front line and essential services staff that are on site.

For more information on the Coronavirus (COVID-19) and what you steps you can take to protect yourself and your loved ones, visit



5 ways to reach us if you need help

Social distancing during the COVID-19 lockdown doesn’t mean you are alone. The Ubank team is working throughout this period to provide any help you may need. Here are 5 ways to get in touch with us:

  1. Call Centre: Our people are standing by to help answer your questions. Please call 086000 8322 for assistance.
  2. Website: We have a list of frequently asked questions right here on our website. Click here to see if the answer you are looking for is on the list.
  3. Social media: You can reach out to us via the following social media channels
  • Facebook: @UbankSA
  • Twitter: @UbankSA
  • Instagram: @UbankSA

4. Email: You can write to us at
5. Branches: All our main branches are open during the lockdown.

So, there’s no need to stress. We are here to give you all the help you need!


In need of some lockdown cash? Here’s where to go.

You can use your Ubank debit card to pay for items or services at any point of sale. But what if you need some cash during the lockdown? Well, there are four ways to get your hands on some rands:

  1. Ubank branch: You can make a withdrawal at one of our main branches. Click here to find your nearest main branch.
  2. ATM’s: All Ubank ATMs are open during the lockdown. You can also use your Ubank card to withdraw money at any other bank’s ATM. We have suspended Saswich fees, no additional fees will be charged should you need to use one of the other Bank’s ATMs.
  3. TEBA agencies: cash withdrawals can be made at our TEBA agencies. Please see our website for the agencies that are open during this time.
  4. Point of Sale: you can get cash at any point of sale

We have ensured that all your banking needs are met during the lockdown. If you have a question about cash withdrawals, please call our helpline on 086000 8322. Our team is waiting for your call.


5 ways to save during the lockdown

The lockdown has placed many of us way outside our comfort zones. Trying to work or study from home can be challenging, and worrying about money adds to the stresses. But, by being mindful and practising a few simple steps, you can turn the lockdown into an opportunity to save! Here are a few tried-and-tested examples:

  1. Ditch the remote. Being at home doesn’t mean you have to watch TV all day. You can save on your electricity bill by scaling back your TV time – and switching off your TV at the plug point. There are many other things you can do to pass your time. You could, for example, enjoy playing a game with your children, you could clean the fridge or a cupboard, you can get your paperwork sorted and file documents away safely, or you could start an exercise routine at home!
  2. Switch off the lights during the day. Social distancing doesn’t mean that you have to remain hidden. Open your windows and doors. Turn off the lights and let natural light come in.
  3. Unplug your cellphone charger when you are not using it. The charger still draws electricity even if your cellphone is not plugged in. Every little bit counts.
  4. Limit your data usage. Give yourself a break from your cellphone, laptop or tablet. Your wallet will thank you (you won’t be buying data frequently) and your eyes will too!  There are some great data options that have been introduced during these times. Take a few minutes to find one that works for you.
  5. Cook a big meal then store some away in containers to use in the coming days. You will save on your electricity

bill (by not cooking every day) and your grocery bill (you won’t need to shop for food items for days).

We believe that saving money is the greatest gift you can give yourself. We have four products designed to help you save. Click here for details on how uSave, Save Together, Eezisave and Fixed Deposit Accounts can transform your life. Or call 086000 8322 for help.


Everything you need to know about making deposits during lockdown

Life as know we know it may be on hold at the moment, but your goals, hopes and dreams can still shine bright!

Whether you’re saving up to meet a goal or lending a financial helping hand so someone else can achieve theirs, all Ubank’s services – uSave, uSpend, uLend, uSecure – are in operation to help you turn your goals into reality.

There are three ways to make a deposit during lockdown so you can keep those precious dreams afloat:

  1. Ubank branches: Deposits can be made at all Ubank main branches. See the list here to find the one closest to you.
  2. EasyPay: Look for the EasyPay sign at your nearest Shoprite, Checkers or Pick n Pay. Deposits can be made there.
  3. SA Post Office: To make banking easier during the lockdown, Ubank customers can make deposits at their nearest post office. Remember though, no cash withdrawals will be allowed at the post office.

For more info on how we can help you save for that big dream, call 086000 8322.


6 Things U Can Do with Our Mobile and Internet Banking

#StayHome #StayHome #StayHome. It’s the best thing you can do to protect yourself and your loved ones against the Coronavirus. For other health measures, check out the official government website – – that has all the info you need.

We are lucky to be living at a time when technology can help see us through the lockdown. We can shop from home, pay bills from home, be entertained at home, and even work from home – all with the help of technology. You don’t even need to leave home to take care of your banking!

Ubank’s mobile banking and internet banking allows you to safely and securely transact in private, so you don’t need to go into a branch. Here are six things you can do if you have registered for Ubank mobile banking:

  • Check your balance.
  • Get a mini statement.
  • Transfer money to linked accounts.
  • Transfer money to beneficiaries.
  • Buy pre-paid airtime, data and bundles.
  • Buy electricity.

Call 086000 8322 for more info or any help.


The MTN MoMo wallet App powered by Ubank allows you to #StayHome

Have you heard about the MTN MoMo wallet App powered by Ubank? It’s another way you can take care of your transactional needs without leaving home. Using your cellphone, you can transfer money, settle bills and pay for purchases – which helps make life in lockdown a little easier.

The App powered by Ubank is simple and safe to use. All you need is a South African cellphone number. The App allows you to:

  • Store money safely
  • Transfer cash instantly
  • Pay your bills
  • Buy airtime and bundles

With Ubank’s mobile banking, internet banking and the MTN MoMo wallet App powered by Ubank, there is no reason to leave home to transact.

For details on MoMo, visit or call 086000 8322 for help with Ubank’s internet or mobile banking.