Best Phones in South Africa - 2022 Edition

Robert Cerff / 07-11-2022 / Tech


Are you feeling overwhelmed by the colossal number of smartphones available on the South African market? We get it. All that choice can lead to a lot of confusion. But don’t stress, because Mondo has your back.

We’ve put together this helpful guide on the best phones in South Africa that can be yours right now. The best part? You’re guaranteed to find one that will suit your unique needs, from budget to specs and everything in between.

Let’s get started!


Samsung Galaxy S22 Ultra


Specifications:

Display: 6.8-inch AMOLED (Resolution: 3200x1400 & Refresh rate: 1-120Hz)

CPU: Snapdragon 8 Gen 1

RAM: 8GB or 12GB

Internal Storage: 128GB, 256GB, 512GB or 1TB

Rear camera: 108MP wide (f/2.2), 12MP ultra-wide (ƒ/2.2), 10MP telephoto (3x zoom, f/2.4), 10MP telephoto (10x zoom, f/2.4)

Front camera: 40MP (ƒ/2.2)

Battery: 5000mAh


Wrapped in the ultra-strong Gorilla Glass Victus Plus and framed by armor aluminum, the Samsung Galaxy S22 Ultra is a seriously impressive flagship smartphone. It is a strong contender if you’re searching for one of the best Samsung phones in 2022.

Display: It boasts one of the brightest displays currently on the market with its eye-catching Dynamic AMOLED 2X screen and a super smooth adjustable refresh rate that hits a high of 120Hz for optimum functionality and can drop to a low 1Hz to conserve the battery life.

S Pen: It’s the first smartphone in the S series to feature a slot for the innovative S Pen. Previously, this was only available on the Galaxy Note series. Besides having its own designated spot, the S Pen is now 70% faster than its predecessor. You can now enjoy more power, precision, accuracy and less latency, especially with handwriting-to-text conversions. What's more, stylus-specific features are now integrated into Microsoft Outlook for those looking to ramp up their productivity.

Camera: If you’re searching for a powerhouse camera setup, it doesn’t get better than the Samsung Galaxy S22 Ultra. With a 108MP main shooter and larger sensors than the Galaxy S21, it captures more light for impressive photos in low-light conditions. Colours are also bright without losing accuracy.

Battery: If you need your smartphone to go the distance on a single charge, the Galaxy S22 Ultra has the stamina. Its 5000 mAh battery lasts all day and adapts to your activities while offering clever power-saving modes. Juicing it up is fast thanks to smart quick charging capabilities of up to 45W. Once fully recharged, you can share the power with Samsung devices like earbuds or other phones.


RAM & Processor: All this power comes with a hefty price tag of around R27 000. But even at this price, there are a few downsides. For example, the base model has 8GB RAM, which is 4GB less than the Galaxy S21 equivalent. It maxes out at 12GB RAM if you’re willing to stretch your budget a little further. On the bright side, you have a wide choice of storage options available, including 12GB RAM with 1TB internal storage, 12GB RAM with 512GB internal storage, 12GB RAM with 256GB internal storage, and 8GB RAM with 128GB internal storage. Another small sacrifice you may be making is the power of the chipset. Yes, it features the top-of-the-line Snapdragon 8 Gen 1. It's super-fast and advanced but comes second to the Apple A15 and now the A16 Bionic chip, the fastest mobile silicone for smartphones.


Reasons to buy:

The Galaxy S22 Ultra is the first S series smartphone bundled with the S Pen, Samsung’s innovative stylus

Boasts the best screen currently on the market, bursting with vibrancy

Magnificent camera for those looking to capture moments in perfect clarity


Reasons to avoid:

Ultra-high cost with a price tag of around R27 000 

Base model is a modest 8GB RAM, which is lower than its predecessor

Top of the range Snapdragon 8 Gen 1 chipset is a step behind Apple’s Bionic chip


Samsung S22 Ultra Deals from Mondo:


Samsung Galaxy A13


Specifications:

Display: 6.6-inch IPS (Resolution: 1080 x 2408 & Refresh rate: 90Hz)

CPU: Samsung Exynos 850

RAM: 4GB

Internal Storage: 64GB Expandable Storage: MicroSD slot up to 1TB storage

Rear camera: 50MP wide (f/1.8), 5MP ultra-wide (f/2.2), 2MP macro (f/2.4), 2MP depth (f/2.4)

Front camera: 8MP wide (f/2.0)

Battery: 5000mAh


The Samsung Galaxy A13 is one of Samsung’s cheapest smartphones at just under R3000, making it perfect for those on a super tight budget. Released at the end of 2021, the Galaxy A13 is one of the best phones in South Africa as it offers everything you need in a smartphone for a much lower price than its mid-range counterparts.


Battery: One of its biggest highlights is its large 5000 mAh battery that gives you the power to keep going for more than a day on just one charge. Light users can easily get two full days before needing to juice up again.

RAM & Processor: Under the hood, you get an octa-core processing unit with 4GB RAM that can handle almost any task, 64GB internal storage and up to 1TB expandable storage with a MicroSD card slot. In the USA, the Samsung Galaxy A13 features a more powerful chip, the MediaTek Dimensity 700, while South Africa and many other regions get the Samsung Exynos 850. Although it doesn’t lag and performs everyday tasks quickly with snappy multitasking between apps, the chip is not 5G enabled like its American counterpart. This makes it a 4G-only handset, which may be a deal-breaker for some.

Software: On the software side, the Samsung Galaxy A13 launched with the latest version of Android, and it's expected to receive security patches for the next few years, which is incredibly generous for a phone in this budget. Enhancing the experience is Samsung's own One UI 4.1 skin on top of Android that features many highlights, including personalised widgets, a revamped privacy dashboard, and a green light indicator that alerts you when an app is using your microphone or camera.

Camera: For the price, the Samsung Galaxy A13 offers a comprehensive camera setup, headlined by a 50MP main shooter, supported by a 5MP ultra-wide snapper, 2MP macro camera, 2MP depth camera, and a generous 8MP lens on the front to capture good portrait shots. Those looking for the crème de la crème of smartphone cameras will unsurprisingly be a tad bit disappointed with the A13’s offering, but for the price, you’re getting a lot. Although the images are very decent in good lighting, there are a few sacrifices you may have to make. For example, the phone doesn’t feature a night mode, so low-light images tend to be noisy[TPdT1] and lack sharpness.

Display: On the display side of things, the smartphone sports a 6.6-inch Infinity V Display with FHD+ technology and a 90Hz screen refresh rate. It offers a smooth user experience, with content appearing clear and crisp. However, when it comes to the screen brightness, it can be a little difficult to view when you’re outdoors in the sunlight. This is because the auto-brightness feature often lags - resulting in you having to set the screen brightness manually each time.


Reasons to buy:

A great blend of unmatched affordability with advanced features

A mammoth sized battery for an entry-level smartphone that lasts up to two days

Samsung has promised Android security patches for the next 4 years, ensuring its long-term appeal


Reasons to avoid:

The camera lacks sharpness and is slightly noisy when capturing photos in low light conditions

Powered by Samsung Exynos 850 chip, which isn’t 5G enabled like the North American version

The screen’s auto-brightness feature isn’t responsive enough, with a tendency to lag when transitioning from one lighting condition to another


Samsung Galaxy A13 Deals from Mondo:


Huawei nova 8i


Specifications

Display: 6.67-inch LCD (Resolution: 2376 x 1080 & Refresh rate: 60Hz)

CPU: Qualcomm Snapdragon 662

RAM: 6GB/8GB

Storage: 128GB Expandable Storage: None

Rear camera: 64MP wide (f/1.9), 8MP ultra-wide (ƒ/2.4), 2MP depth lens (f/2.4), macro lens(f/2.4).

Front camera: 16MP (ƒ/2.0)

Battery: 4300mAh


The Huawei nova 8i offers incredible value for money with a good balance between functionality and affordability. For the low price of around R6000, this downsized version of the standard nova 8 is one of the most popular mid-range smartphones on the South African market right now.

Display: It sports a big, high-definition 6.67-inch LCD that offers a great viewing experience with rich colours.

RAM and processor: The nova 8i is powered by the Snapdragon 662 chipset, features 128GB storage and comes in two RAM options - 6GB and 8GB. It’s all you can ask for and a little more in a mid-range smartphone. It performs fast without slowing down, and switching between apps is a breeze, making it a perfect budget choice for those looking for a reliable and powerful everyday smartphone.

Software: It runs on Huawei’s EMUI operating system (based on Android) and recently received security updates for its current EMUI 11 software version. There is also word from the Chinese tech giant that it is eligible for the latest EMUI 12.

Camera: The Huawei nova 8i sports an impressive camera setup that may just be the biggest highlight. It's powerful and looks incredible with the four lenses packed into a ring at the back. You get a substantial 64MP main shooter, 8MP ultra-wide lens and a pair of 2MP micro and macro cameras. Completing the setup is a 16MP selfie camera. The images produced are sharp, especially in bright lighting conditions, with impressive colour reproduction and accurate white balance. Even in low light conditions, it still captures high-quality images, but you can expect some noticeable granular noise.

Battery: Powered by a large 4300 mAh battery, it can easily last more than a day with light use. Its 66W fast charger will ensure you don’t run dry for too long when the battery does eventually die. However, it’s important to note that the battery size is below the current industry standard of 5000 mAh.

AppGallery: Like all Huawei smartphones, you won’t have access to Google Mobile Services, which include Play Store, Gmail or Google Search. But there is a workaround as you can download many Google apps in APK format. Of course, you can also keep the app experience exclusive to Huawei as the Chinese tech giant has its own app store, AppGallery, which boasts over 45000 apps and has over 390 million active monthly users globally.

Bloatware: Unfortunately, like the nova 8, this light version comes with a lot of bloatware that's automatically installed from the moment it’s powered up. Be prepared for dozens of apps littering your home screen from the get-go and set time aside for a clean-up.


Reasons to buy:

This is a powerful mid-range smartphone at an affordable price point for those on a budget

An impressive camera setup with a main shooter that captures vibrant images

It offers solid internals with a fast mid-range chipset for a fluid experience


Reasons to avoid:

The ongoing ban of Huawei in the US means you still won’t have access to Google Mobile Services like Play Store

Get ready for a clean-up as soon as you power up the phone for the first time as a huge amount of bloatware is automatically installed

Although the phone lasts a good battery life with fast charging speeds, the battery size is slightly smaller than current industry standards


Huawei nova 8i Deals from Mondo:

 

Huawei nova Y60


Display: 6.6-inch LCD (Resolution:1600x720 & Refresh rate: 90Hz)

CPU: Mediatek MT6765

RAM: 4GB RAM Storage 64GB Expandable Storage: Micro SD card up to 512GB

Rear camera: 13MP wide (f/1.8), 5MP wide angle (ƒ/2.2), 2MP depth lens (f/2.4)

Front camera: 8MP (ƒ/2.0)

Battery: 5000mAh


The Huawei nova Y60 is on our list as one of the best phones in South Africa because of its smooth performance and great value at an affordable price point of around R3 000.

 

Display: A large 6.6-inch bright display produces over 16.7 million colours, bringing movies, series, and games to life. Enhancing this experience is panoramic 3D sound with Histen 6.1 audio technology optimised for gameplay immersion. Although the screen performs well outdoors in sunny environments, the biggest downside is the TFT LCD mid-range display that tends to lose image clarity and colour at certain angles.

Battery: Under the hood is a beefy 5000 mAh battery that features state-of-the-art power-saving modes with responsive functionality. If you’re using the phone all day for regular to heavy tasks, from gaming, watching videos and chatting, you can get well over 10 hours of use on a single charge.

Camera: Similar to the screen and battery, the cameras are high-quality for this budget device. A triple camera setup on the back features a 13MP main shooter, a 5MP wide-angle camera and a 2MP depth camera. Images captured are well balanced and sharp, offering HD quality for everyday shots. On the front is a decent 8MP selfie camera powered by AI technology and enhancement software.

RAM and processor: The phone is powered by the Mediatek MT6765 chipset with 4GB RAM, 64GB internal storage and up to 512GB expandable storage. Despite its mid-range specs, the phone is no slouch. It’s fluid and responsive, no matter the task at hand. However, it doesn’t support 5G internet connectivity, leaving it slightly behind the competition with 4G-only connectivity. It’s worth noting that even though 4G internet was introduced over 10 years ago, it delivers quick download speeds, high voice quality and bandwidth, and easy access to the internet. 

Software: The phone runs on EMUI software developed by Huawei, which can be described as a skinned version of Android. As expected, it does not support any Google Mobile Services, but you do get the Huawei App Gallery and the search engine platform known as Petal Search.

AppGallery: Like all Huawei smartphones, the Huawei nova Y60 doesn’t have access to Google Mobile Services. But you do have exclusive access to the AppGallery, Huawei’s own app store with close to 50 000 apps.

Bloatware: Unfortunately, like the nova 8i, the nova Y60 instantly installs dozens of apps as soon as you power it up for the first time. To free up space, make sure to delete the apps you don’t need.


Reasons to buy:

An outstanding display provides an immersive experience that’s enhanced by 3D audio technology

A big battery gives you plenty of power that can last just over 10 hours with heavy use on a single charge

For a budget device, you get a high-quality triple camera setup that produces HD quality images


Reasons to avoid:

The Huawei nova Y60 doesn’t support 5G internet connectivity, which may be a deal breaker for those after optimum internet speeds

It may not be the option for you if you can’t enjoy the smartphone experience without Google Mobile Services

A huge amount of bloatware is instantly installed from the first moment it’s powered up


Huawei nova Y60 Deals from Mondo:

 

OPPO Reno7


Specifications

Display: 6.4-inch LCD (Resolution:2400x1080& Refresh rate: 60Hz-90Hz)

CPU: Mediatek MT6765

RAM: 8GB RAM Internal Storage: 256GB

Rear camera: 16MP main (f/1.7), 8MP wide angle (ƒ/2.25), 2MP depth lens (f/2.4)

Front camera: 32MP (ƒ/2.4)

Battery: 4500mAh battery


The shimmering OPPO Reno7 is a mid-range powerhouse that combines innovative technology with exceptional performance.

Camera: It sports a high-resolution rear camera trio, including a 64MP main shooter, an 8MP wide-angle camera and a 2MP macro lens. On the front is a 32MP Sony-powered selfie snapper. The cameras shoot DSLR-styled portraits, which capture vibrant pictures regardless of the lighting conditions. However, you may encounter some trouble with the macro sensor as it requires you to stand 4cm from an object for macro shots, and sometimes the device struggles to find the correct distance. 

Display: A vivid AMOLED display takes centre stage on the Oppo Reno 7, offering a snappy 90Hz refresh for fluid scrolling. If you’re gaming or streaming movies, you can utilise the HyperBoost feature to prevent frame-rate loss and lagging.

Battery: Under the hood is a 4500 mAh battery that supports 65W SuperVooc fast-charging technology. According to OPPO, you can charge a completely drained battery to full power in 31 minutes, and a five-minute charge gives you two hours of gaming. To make the power last even longer, you can choose from three power saving modes.

Cooling System: For all-day use that doesn’t stop, OPPO has included a liquid cooling system in the device using graphite sheets and aerospace-grade insulation to prevent it from overheating.

RAM & Chipset: Under the hood is the MediaTek Dimensity 900 5G processor, 8GB RAM and 256GB storage, plus a microSD slot and space for another SIM card. It’s a capable mid-range setup that is enhanced by OPPO’s RAM expansion feature that enables you to convert free storage into RAM of up to 5GB, resulting in a speedy, smooth device without stutter or hang-ups.

Bloatware: Similar to Huawei, the software is slightly dimmed by the high number of pre-installed apps.

Reasons to buy:


High-resolution main and front cameras produce vibrant, clear images in any lighting condition

A snappy refresh rate is enhanced by a HyperBoost feature for smooth gaming and streaming

Super-fast charging that goes from 0% to a full charge in around 30 minutes


Reasons to avoid:

Macro photography can be a little sticky as the macro senor struggles with distance

A 4500 mAh battery comes in at just below the current industry standard of 5000 mAh

Bloatware leaves a poor first impression as the home screen is clogged with unnecessary apps


OPPO Reno7 Deals from Mondo:

 

Hisense Infinity H60 5G


Specifications

Display: 6.6-inch AMOLED (Resolution:2400x1080)

CPU: Mediatek Dimensity 810

RAM: 8GB RAM Internal Storage: 128GB Expandable Storage: None

Rear camera: 108MP main, 5MP wide-angle, 2MP depth and macro lenses

Front camera: 16MP (ƒ/2.0)

Battery: 4200mAh battery


The Hisense Infinity H60 5G boasts a premium design, stylish vegan leather back and a display that impresses. All these factors and more make it one of the best phones in 2022.

Display: A dynamic 6.6-inch FHD+ AMOLED curved display inspired the Infinite series, making it a mid-range device with a premium edge. It’s protected by Corning Gorilla Glass 5 and produces vivid colours and detailed visuals for an immersive experience.

Camera: The phone features a quad camera setup with a massive 108MP main shooter, 5MP wide-angle camera, and 2MP depth and macro sensors. The main camera does most of the heavy lifting as its miles ahead of the rest. On the front are two 16MP selfie cameras, but one essentially serves as a depth sensor only.

RAM and Chipset: Powering the phone is the mid-tier MediaTek Dimensity 810 processor with 8GB RAM and 128GB storage. It's fluid when in use, delivering a smooth mobile experience without any freezing or lag, no matter what you’re doing. 

Battery: Fuelling the phone is a well-sized 4200 mAh battery that supports fast charging of up to 30W. It easily lasts a day if you’re using it for regular tasks and juices back up in no time. However, the battery size is slightly behind the competition.


Reasons to buy:

A dual curved edge display with vivid colours gives this budget phone a premium feel

A massive 108MP main camera packs a punch and places it ahead of the competition

A powerful mid-range chipset delivers a smooth and responsive user experience


Reasons to avoid:

The leather back cover may not be an appealing design choice for some

The battery size is just below industry standards

The supporting rear cameras are low resolution and relies heavily on the main camera


Hisense Infinity H60 5G Deals from Mondo:

 

Xiaomi 11T Pro


Specifications

Display: 6.67-inch AMOLED (Resolution:1080x2400 Refresh Rate: 120Hz )

CPU: Qualcomm Snapdragon 888

RAM: 8GB/12GB Internal Storage: 128GB/256GB Expandable Storage: None

Rear camera: 108MP main (f/1.8), 8MP wide angle (f/2.2), 5MP macro camera (f/2.4)

Front camera: 16MP (ƒ/2.5)

Battery: 5000mAh


For a modest price of just over R10 000, the Xiaomi 11T Pro gives you plenty of impressive features without cutting too many corners.

Battery: The Xiaomi 11T Pro boasts the fastest charging speeds on the South African market with a lightning fast 120W in-box charger that juices up a 5000 mAh battery. It zooms past the competition, the Samsung Galaxy Ultra S22, and can power up from 0% to 100% in a blistering 17 minutes.

Chipset: Powering the phone is the premium Snapdragon 888 chipset that processes any task smoothly and efficiently. Gaming feels snappy and it can handle maximum graphic settings with ease. The only downside is that it’s prone to overheating when performing intensive tasks for over an hour.

Display: With an eye-catching 6.67-inch AMOLED panel, HD resolution and a fast 120Hz refresh rate, the Xiaomi 11T Pro offers an optimal viewing experience that’s snappy, fluid and responsive.

Camera: The camera setup includes a 108MP main shooter, a 5MP telephoto camera, an 8MP ultra-wide camera and a 16MP selfie snapper on the front. The high-resolution main camera with pixel-binning captures great shots with good contrast, bold colours and lots of detail. However, it tends to struggle slightly in low-light conditions. The star is the 5MP telephoto camera that captures outstanding macro or close-up pictures. It focuses quickly and brings out details and textures that are otherwise hard to see.

Software: Like all Xiaomi phones, the 11T Pro runs Android with the company’s own skin called

MIUI. It’s certainly a polarising experience with users either loving or hating it. If you prefer a simplistic software experience like iOS or stock Android, MIUI can be slightly busy with plenty of

pre-installed apps like eBay, LinkedIn and AliExpress.


Reasons to buy

It offers the fastest charging speeds available in South Africa at an incredible 120W

Powered by a premium chipset for smooth gaming, streaming and much more.

A high refresh rate at 120Hz ensures a fluid user experience that takes on any task with ease


Reasons to avoid

It tends to overheat when performing intense tasks, which is important to keep in mind if you’re a power user

Although it boasts a great main camera, it does tend to struggle in low-light conditions

The Xiaomi MIUI is not as smooth or organised as iOS or stock Android software


Xiaomi 11T Pro Deals from Mondo:


Apple iPhone 14 Pro Max


Specifications:

Display: 6.7-inch Super Retina XDR display (Resolution:2796x1290 Refresh Rate: 1Hz-120Hz)

CPU: A16 Bionic

RAM: 6GB Internal Storage: 128GB/256GB/512GB/1TB Expandable Storage: None

Rear camera: 48MP main (f/1.78), 12MP wide angle (f/2.2), 12MP 2x telephoto camera (f/1.78) 12MP 3x telephoto camera (f/2.8)

Front camera: 12MP (ƒ/1.9)

Battery: 4,323mAh


Finally, the new Apple iPhone 14 range has hit South African shores and the flagship Apple iPhone 14 Pro Max is undoubtedly one of the best phones in 2022. It has the best of everything, from its design and innovative display to the unbeatable A16 Bionic chipset.

Chipset: Immediately claiming the top spot as the best, fastest and most efficient chipset is Apple’s new A16 Bionic reserved exclusively for the Pro line. According to the tech giant, it’s capable of performing a jaw-dropping 17 trillion operations per second.

Dynamic Island: The iPhone 14 Pro Max now boasts the innovative Dynamic Island, replacing the highly disliked notch. It floats at the top edge of the screen, and although it still houses the front camera and sensors, some technology like the proximity sensor is now hidden behind the display. It’s touch sensitive, can be switched to an always-on mode and provides easy access to music, maps, incoming calls, widgets and more. Although it’s great to glance at information in one place, it does tend to sometimes feel like there’s too much going on.

Display: The iPhone 14 Pro Max (and Pro) sports a captivating Super Retina XDR display and an adaptive refresh rate ranging from 1Hz for the always-on display mode to 120Hz for maximum performance. The brightness of the screen can hit 1600 nits and jump to a whopping 2000 nits outdoors, ensuring the iPhone’s screen is always visible no matter the ambient light.

Camera: The new top of the range iPhone’s boasts a 48MP main shooter, 12MP ultra-wide and telephoto lenses, and another 12MP selfie snapper. It features larger sensors and better focus than its predecessor with the introduction of pixel-binning for pictures that are brighter and more detailed. However, it seems a bit underpowered when compared to the Samsung Galaxy S22 Ultra. It still offers 15x digital zoom, and 2x and 3x optical zoom, which falls behind Samsung’s offering by a long way.

Battery: Thanks to the powerful A16 Bionic chip, the battery is now more efficient. A 4323 mAh battery can easily last 16 hours of heavy use and over a day of light use. With up to 20W fast-charging capabilities and 15W wireless charging, the new iPhone can reach a full charge within an hour.


Reasons to buy:

Apple has ditched the notch for the always-on Dynamic Island at the top edge of screen where you can glance at and access apps, notifications and widgets in one place

It boasts the fastest chip yet, the A16 Bionic, which performs a trillion operations per second

The iPhone 14 Pro Max offers the best display yet that hits a vibrant 2000 nits outdoors


Reasons to avoid:

High cost with a price tag just over R28 000

Although the Dynamic Island is innovative, it can feel like there’s too much going on in one small space

It doesn’t offer ultra-fast charging and falls behind many affordable smartphones on the market, like the Xiaomi 11T Pro


Apple iPhone 14 Deals from Mondo:


Mondo’s Picks of the Best Smartphones in 2022



Samsung Galaxy S22 Ultra

Huawei Nova 8i

Apple iPhone 14 Pro Max

Best Camera Smartphone



Best Budget Smartphone



Best Overall





That’s a wrap!


The South African smartphone market is flooded with top-performing smartphones from industry-leading tech giants. Whether you’re looking for stunning flagship performers or budget-friendly powerhouses, there’s an option that’s sure to tick all your boxes. At Mondo, we have the best deals on the best phones in 2022. Our website makes it easy to compare deals from top network providers and apply online once you’ve found your perfect option.

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TECH NEWS

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Struggling With Debt in SA? Here’s Your 2025 Guide to Debt Review

Drowning in debt? You’re not alone. Here’s how debt review in South Africa works, who qualifies, what it costs, and how it can help you breathe again — updated for 2025.You’re Not Failing — You’re Taking Back ControlDebt can feel overwhelming — like a never-ending cycle of stress and bills. But there’s a legal way out, and it’s helped millions of South Africans take back control of their finances. It’s called debt review, and if your debt is keeping you up at night, this might be the lifeline you need.Let’s break down exactly how it works, who qualifies, what it costs, and what life looks like after debt review.So… What Is Debt Review?Debt review (also known as debt counselling) is a legal debt rescue plan introduced by the National Credit Act. It helps people who are over-indebted — meaning you’re earning money but still can’t afford to cover your monthly debt payments and basic living costs.With the help of a registered debt counsellor, your debts get restructured into one simplified monthly payment — at reduced interest rates — and you get full legal protection from creditors while you pay things off at your own pace.The Big Wins:✅ No more creditor calls or court threats✅ One lower monthly payment — not five or ten✅ Reduced interest rates✅ Court-approved, legally binding repayment plan✅ No new debt allowed while you’re in the process (for your own good)Who Can Apply?If you're working and overwhelmed by your monthly debt obligations, debt review might be for you.You’ll need:A steady income (salary, pension, or business income)To live in South AfricaTo be over-indebted (your income doesn’t cover all your debts + essentials)Heads up:Married in community of property? Your spouse must apply with you.Blacklisted? No worries — you can still qualify.Self-employed? You’ll need to show consistent income for a few months.How It Works — Step-by-Step1. Chat to a Registered Debt CounsellorOnly work with someone officially registered with the National Credit Regulator (NCR). You can double-check them on the NCR website. Avoid dodgy operators!2. Get AssessedYour counsellor will check your income, debts, and expenses. If you qualify:They’ll file your application (Form 16)Let your creditors and credit bureaus knowPause any legal action while your application is being processed3. Get a Custom Payment PlanYour counsellor will:Negotiate lower interest rates with your creditorsRestructure payment terms so your monthly instalment fits your budgetCombine your debts into one monthly paymentEnsure you’ve still got money left for groceries, rent, and transport4. Legal ApprovalYour new plan is submitted to court. Once approved, all creditors must follow it. You’re now protected — and on track to becoming debt-free.5. Pay One Amount Each MonthYour monthly payment goes to a Payment Distribution Agency (PDA). They split it between your creditors, as per the plan.How long does this take?Setup: 1–3 monthsRepayment period: Usually 2–5 yearsTotal journey: Most people finish within 24–60 monthsThe BenefitsFull Legal ProtectionNo more:Garnishee ordersRepossession threatsCalls from angry creditorsCourt judgments related to debtLower Monthly PaymentsYour monthly debt bill could drop by 30–50% thanks to:Reduced interest rates (from 20% down to 5–10%)Longer repayment termsWaived creditor feesBetter Cash Flow = Less StressMore room in your budget = more peace of mind.You’ll sleep better, breathe easier, and have cash for basics again.Avoid BankruptcyDebt review is often a much better alternative to sequestration. No permanent blacklisting. No asset loss (as long as you stick to the plan).Professional SupportYou’re not doing this alone. Your debt counsellor will:Negotiate with creditorsHelp you stick to your budgetTrack your progressOffer support whenever you need itThings to Keep in MindYou Can’t Take on New CreditWhile under review, you can’t open new accounts or take loans. This is part of your protection, not a punishment.There Are FeesDebt review isn’t free, but the fees are regulated and built into your repayment plan:One-time application &amp; restructuring feesMonthly service feesLegal fees for the court orderA good counsellor will explain all of this upfront — no nasty surprises.Your Credit Record Will Show ItWhile under review:A flag appears on your credit reportYou may struggle to get rentals or credit-based servicesBUT: This gets removed after you complete the plan and get your clearance certificate 🎉Avoiding PitfallsSadly, over 1.3 million South Africans are stuck in debt review limbo — flagged but not actively repaying. Here’s how to avoid that:✅ Choose a legit, responsive counsellor✅ Stick to your repayment plan✅ Talk to your counsellor if your income changes✅ Don’t miss payments — they’re your lifeline✅ Use bonuses or windfalls to pay extra when you canAfter Debt Review: What Comes Next?You Get a Clearance CertificateOnce you’ve paid off everything in your plan, your counsellor gives you a Form 19 Clearance Certificate. This:Clears the debt review flagWipes negative listings from your credit recordTells credit bureaus you’ve completed the processRebuild Your Credit (Slowly &amp; Smartly)Wait 2–3 months before applying for new creditStart with a small accountPay on time — in fullMonitor your score regularlyKeep spending under controlStay Debt-FreeNow that you’re free:Keep budgeting like a proBuild an emergency fundOnly use credit if you need itInvest in your financial wellnessFAQsCan I exit early?Only if you settle all your debt or get a court order — not easy, not cheap.Can I apply if I’ve lost my job?No income = no debt review. But if you lose your job during the process, your counsellor can pause or adjust your plan temporarily.Can I buy a car or home during debt review?Nope. But once you’re done and cleared, yes!Does it cover all my debts?Mostly unsecured debts (credit cards, loans). Your mortgage and car finance might stay separate but are factored into your budget.Is Debt Review Right for You?Yes, if:You’ve got a steady incomeYou’re behind on paymentsYou’re over-indebtedYou want a structured, legal path to recoveryMaybe not, if:You have no incomeYour debts are small and manageableYou’ve already failed debt review once beforeLet’s Wrap This UpDebt review isn’t a failure — it’s a smart move. It means you’re facing your finances head-on and choosing recovery over avoidance.Thousands of South Africans have already walked this path — and come out stronger on the other side. You can too.Take the first step today. Find a registered debt counsellor on the National Credit Regulator’s website and start building a future that’s debt-free — and stress-free.

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Can You Get a Phone Contract with Bad Credit?

Been turned down for a phone contract because of your credit? You’re not alone. Around 80% of South Africans have hit that same wall. Networks have gotten stricter — and if your credit’s taken a few knocks or you’ve been blacklisted, getting a contract can feel impossible.But here’s the good news:&nbsp;you&nbsp;can&nbsp;still get a contract, even with bad credit. You might just need to start small, be smart, and build your way up.Why Networks Say NoGetting a phone contract is a bit like applying for a loan. When you go for a R10,000 device on a 24-month deal, the network’s taking a risk — and they want to make sure you’re good for it.What They Check:Any missed payments or defaultsJudgments or collections under your nameYour overall credit scoreWhether you’re already deep in debtEven if you’ve never had debt before, that can work against you too. No credit history = no proof that you can handle monthly payments. It’s a frustrating Catch-22: you need credit to build credit, but you need credit history to get started.Your Income Matters TooEven with a decent score, you can still be declined if your income doesn’t match the deal you’re going for. Networks want to know that you can comfortably afford the monthly payments&nbsp;and&nbsp;your other bills.For example: If you earn R4,000/month and apply for a R500 contract, that’s more than 10% of your income — a red flag for many providers.When You’ll Automatically Be DeclinedSome things are deal-breakers, no matter what:Debt Review: If you’re under debt counselling, the law says no new credit allowed.Judgments: A court judgment against your name is a straight-up no.Sequestration / Administration: Legal insolvency = not eligible.So, What&nbsp;Can&nbsp;You Do?Here’s how to turn a “no” into a “yes” — even with a not-so-great credit score:Start SmallIf you can’t get a top-end phone right now, don’t stress. Try applying for:A&nbsp;SIM-only contract&nbsp;(no phone, just data &amp; minutes)A deal with a&nbsp;more affordable deviceSIM-only is a great stepping stone. The risk to the network is lower, so your chances of getting approved are higher.Pro tip: Use a smaller deal to prove you’re reliable — pay on time, every time — and you’ll open doors to bigger contracts later.Build Your Payment Track RecordGot a SIM-only or entry-level deal? Great! Now the goal is simple:&nbsp;pay like a pro.Every on-time payment gets reported to credit bureaus, helping you build (or rebuild) your score. After 6–12 months, you could qualify for an upgrade or a better phone.New for 2025: Smarter Scoring, More OpportunityMTN and TransUnion recently launched a game-changing feature:&nbsp;Telco Data Score. It looks at your mobile behaviour — like how often you recharge, call, and use data — instead of just your credit history.That means:No credit history? No problem.You might qualify based on how you use your phone.It’s early days, but it’s a step towards making contracts more accessible for everyone.5 Steps to Boost Your Approval Odds1. Check Your Credit ReportStart here. It’s free from TransUnion, Experian or ClearScore. Look for:Any mistakes you can fixOld debt you can settleOutdated info you can disputeSmall fixes can lead to big improvements!2. Don’t Apply Everywhere at OnceGetting declined sucks, but don’t spam every network. Each application hits your score.Instead:Wait 3–6 months between triesGo for simpler plans first (SIM-only, cheaper phones)Understand why you were declined before trying again3. Build Credit ElsewherePhone contracts aren’t the only way to build trust:Open a small clothing or furniture store accountTry a secured credit card (with a deposit)Make sure your utilities are in your name and paid on time4. Prove You’re Financially StableBefore applying:Stick with your job (avoid job-hopping)Have your payslips, ID and proof of address readyAvoid applying while under debt reviewPreparation shows responsibility — and that counts.5. Go Prepaid While You PrepCan’t get a contract yet? That’s okay.Use prepaid while you build creditSet aside the amount you’d spend on a contract each monthSave for a deposit to increase your approval odds laterSome providers even let you convert to a contract from prepaid without a new credit check.Talk It OutWith Creditors: If you're struggling with payments, talk to them before they report you. You might be able to set up a payment plan that protects your credit.With Networks: Be honest in your application. Explain your situation. Some providers are willing to help if they see you're serious about improving.How Long Does It Take?TimeframeWhat You Can Do0–6 monthsFix report errors, start a SIM-only deal, pay on time6–18 monthsBuild strong payment history, apply for basic phones18+ monthsAim for top-tier contracts, better terms, latest phonesMistakes to AvoidWant to get approved? Don’t do these:Apply while under debt review (it won’t work)Skip documents or send blurry photosIgnore old debtsJob-hop right before applyingApply to 5 networks in 1 day (your score will take a hit)The Final WordGetting a contract with bad credit isn’t easy — but it’s&nbsp;totally&nbsp;doable. You just need a plan:✅ Check your credit✅ Start small✅ Pay perfectly✅ Upgrade when ready✅ Be patient and consistentYour credit situation&nbsp;doesn’t define you. And every smart move you make brings you closer to that shiny new smartphone deal.

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Premium Phone Face-off: Which One Are You Choosing?

Comparing premium phones in South Africa? See how the HONOR 400 Pro, Galaxy S25 Ultra and Huawei P70 Pro stack up on design, camera and performance.Best or Budget? Get Both!&nbsp;When the time comes to upgrade, our heads say “choose something affordable” but our hearts still want the best features and tech.To help you get what you really want, we’ve selected the three top flagship phones out right now – the HONOR 400 Pro, the Samsung Galaxy S25 Ultra and the Huawei P70 Pro – to give you the best of both worlds.All three of these stars have super-quick processors, stunning displays, powerhouse cameras and battery life that lasts all day – with price tags that will surprise you.We’ve put them head-to-head to help you decide between the HONOR 400 Pro, Samsung Galaxy S25 Ultra and Huawei P70 Pro.Design and BuildHONOR 400 ProThe HONOR 400 Pro combines premium looks with a lightweight design that feels as good as it looks. &nbsp;This device is available in two classic colours – Lunar Grey and Midnight Black. &nbsp;The 6.7 inch AMOLED display offers an ultra-vivid viewing experience, whether you're scrolling, streaming or snapping photos. Rated IP68 and IP69 for water resistance, it’s built to handle rainy days and accidental splashes without stress.With 5 000 nits of HDR peak brightness and a smooth 120Hz refresh rate, everything from video playback to app transitions feels clear and responsive, even in bright outdoor conditions.Samsung Galaxy S25 UltraWith the Samsung Galaxy S25 Ultra, you have a range of colours to choose from. If Titanium Black isn’t your vibe, you’ll still have Titanium Silver-blue, Titanium Grey and Titanium White-silver.The Samsung Galaxy S25 Ultra is built for power and precision. It comes with a built-in S Pen for effortless note-taking, sketching and even editing on the go.A tough titanium frame and Corning Gorilla Armor 2 glass offer serious durability, while its IP68 rating means it can handle spills, dust and daily drops.The 6.9 inch Dynamic AMOLED 2X display with a 120Hz refresh rate delivers crisp, fluid visuals that are perfect for streaming, scrolling or diving into your favourite games.Huawei P70 ProIf you’re looking for more vibrant colours, the Huawei P70 Pro has got your back. It comes in &nbsp;Pink, White and the standard Black.This device combines style with durability, featuring a 6.6 inch LTPO OLED display with a 1–120Hz adaptive refresh rate for ultra-smooth, battery-friendly performance.Its IP68 rating offers reliable protection from water, dust and splashes, while Super Durable Kunlun Glass adds extra toughness, making it a dependable companion wherever you go.Performance and SoftwareHONOR 400 ProThe HONOR 400 Pro is powered by the Snapdragon 8 Gen 3 chip, delivering smooth gaming and responsive everyday performance. Running MagicOS 9, based on Android 15, it offers a clean, user-friendly interface packed with powerful AI features.From real-time translation and smart photo editing to AI-generated videos and seamless multitasking, MagicOS helps you get more done faster and smarter.Samsung Galaxy S25 UltraThe Samsung Galaxy S25 Ultra runs on One UI 7, offering a smooth, intuitive experience designed to help you get more done with less effort. From customisable widgets and enhanced multitasking tools to improved privacy controls, One UI 7 makes navigating your phone effortless. Coupled with the powerhouse hardware, it ensures apps open quickly, animations stay buttery smooth and battery life is optimised, keeping you powered and productive all day.Huawei P70 ProThe Huawei P70 Pro is powered by the Kirin 9000S1 octa-core processor, delivering smooth, reliable performance whether you’re multitasking, gaming or streaming. Running on EMUI 14.2, the user interface is intuitive and packed with smart features that make everyday use effortless and enjoyable.CameraHONOR 400 ProThe HONOR 400 Pro’s rear camera system is truly impressive, featuring a powerful 200MP ultra-clear AI main camera with optical image stabilisation that captures every detail clearly even in bad lighting. The main camera is backed up with an equally impressive 50MP telephoto lens, also stabilised. This lens is perfect for close-ups and portraits.To complete the trio, we have the 12MP ultra-wide camera that lets you fit more into every shot. Your beach holiday horizon shots or big group photos are easy to capture with this one. &nbsp;On the front, a 50MP camera delivers stunning selfies and crisp video calls, with portrait mode, filters and AI beauty enhancements that ensure you always look your best – so selfie lovers take note!Samsung Galaxy S25 UltraThe Galaxy S25 Ultra’s rear camera setup is a thing of beauty. It combines four lenses to deliver stunning results. The main 200MP sensor captures extraordinary detail, while two 50MP lenses handle telephoto and your ultra-wide shots. Throw in the 10MP periscope lens which rounds off the package, with crisp zoom capabilities that let you capture amazing pictures from a distance.At the front, the 12MP camera delivers sharp, vibrant selfies and smooth video calls, enhanced by smart software that keeps you looking great in any lighting. Whether shooting landscapes, portraits or up-close action, the S25 Ultra’s camera system makes professional-quality photos and videos easy.Plus, the ProVisual Engine offers a powerful editing experience right on your phone, so if someone stepped into what was your perfect shot, you’ll still be able to salvage the picture without needing professional editors.Huawei P70 ProMuch like the others, the Huawei P70 Pro’s camera setup is all about helping you capture stunning photos, no matter the lighting or scene. The 50MP Ultra Lighting main camera adjusts aperture automatically, so anytime of day, you know your shots are going to come out bright and detailed. The 13MP ultra-wide lens lets you fit more into every frame, perfect for breath-taking photos. When you need to get closer, the 12MP telephoto camera with optical image stabilisation delivers sharp, clear zoom without blur.On the front, the 13MP wide-angle selfie camera makes sure every selfie gets your best side with crisp, vibrant pics and smooth video calls.With the Huawei P70 Pro, every photo and video you take is effortless, vibrant and ready to share.BatteryHONOR 400 ProThe HONOR 400 Pro’s massive 6 000mAh battery keeps you powered all day. Designed for longevity, it’s built to stay strong and healthy for up to four years, so you won’t be scrambling for a replacement anytime soon. When it’s time to recharge, the 100W HONOR SuperCharge powers your phone back up at lightning speed, getting you back in action with minimal downtime.Samsung Galaxy S25 UltraThe Samsung Galaxy S25 Ultra packs a reliable 5 000mAh battery that keeps you going through long days of streaming, gaming and multitasking. Designed to deliver consistent power, it keeps you connected without the need for a constant recharge.Huawei P70 ProThe Huawei P70 Pro meanwhile comes equipped with a 4 900mAh battery – the smallest of the three but it’s still easily able to support your daily usage. When it’s time to recharge, Huawei’s SuperCharge technology powers up the device quickly with up to 66W wired charging and up to 50W wireless charging for added convenience.Verdict&nbsp;With so many choices, the only struggle is picking just one new device.No matter which one you go with, you’re getting a powerful phone built to keep up with your lifestyle.FAQsWhich phone has the best camera for low-light photography?The HONOR 400 Pro stands out with its 200MP ultra-clear AI main camera and optical image stabilisation, delivering sharp, detailed shots even in low light. The Huawei P70 Pro’s Ultra Lighting main camera also adapts aperture automatically for bright, clear photos day or night.How long does the battery last on these flagship phones?The HONOR 400 Pro offers a massive 6 000mAh battery designed to last all day and stay healthy for up to four years. The Samsung Galaxy S25 Ultra has a reliable 5 000mAh battery that supports long hours of use, while the Huawei P70 Pro comes with a 4 900mAh battery optimised for daily hustle with fast wired and wireless charging.Which phone is best for productivity and multitasking?The Samsung Galaxy S25 Ultra shines here thanks to its built-in S Pen for note-taking and editing, combined with a durable titanium frame and One UI 7 software that boosts multitasking and privacy. The HONOR 400 Pro’s MagicOS 9 with AI features and the Huawei P70 Pro’s intuitive EMUI 14.2 also support smooth everyday use.Are these phones water and dust-resistant?Yes, all three phones have an IP68 rating, meaning they offer strong protection against water, dust and splashes- making them durable choices for everyday life.Which phone has the best display for streaming and gaming?The Galaxy S25 Ultra leads with its large 6.9-inch Dynamic AMOLED 2X display and a 120Hz refresh rate for crisp, fluid visuals. The HONOR 400 Pro’s 6.7-inch AMOLED and Huawei P70 Pro’s 6.6-inch LTPO OLED screens also deliver ultra-vivid, smooth viewing experiences, perfect for streaming, scrolling and gaming.References:https://www.honor.com/za/phones/honor-400-pro/&nbsp;https://www.samsung.com/za/smartphones/galaxy-s25-ultra/&nbsp;https://consumer.huawei.com/za/phones/pura70/&nbsp;

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