How to get your BISP Payment in 2025: Centers or Banks

Social grants are more than just money — they are a lifeline. For millions of South Africans, these grants mean food on the table, school fees for children, and medicine for the elderly.

The South African Social Security Agency (SASSA) pays grants in two main ways: through payment centers and bank transfers.

Both systems aim to deliver money safely, but they work very differently. Some people prefer collecting cash at pay points, while others rely on digital banking. So, which option is better? Let’s take a closer look.

Why Grants Matter

Grants are about survival and dignity.

• A mother depends on the Child Support Grant to feed her children.

• An elderly person uses the Old Age Grant for shelter and medicine.

• Millions rely on the Social Relief of Distress (SRD) Grant for basic needs.

The way money is delivered affects not just convenience, but also safety and independence.

Payment Centers – The Traditional Way

Payment centers are physical locations like post offices, community halls, or mobile pay points in villages.

Why people still use them:

• No bank account is needed.

• Elderly and unbanked people feel safer with cash.

• Mobile units reach rural areas.

• Staff help those who cannot read or use technology.

Challenges:

• Long queues in hot or rainy weather.

• Transport costs to reach pay points.

• Safety risks while carrying cash.

• Limited to specific pay days.

Bank Transfers – The Modern Option

With bank transfers, money goes directly into a bank account, Postbank card, or mobile wallet.

Why many prefer this method:

• No queues, money arrives directly.

• Safer — funds stay in the account until withdrawn.

• Can withdraw at ATMs, retail shops, or use mobile apps.

• Digital history helps with proof of payment.

Challenges:

• Bank charges and ATM fees.

• Elderly may struggle with technology.

• ATMs may not always work in rural areas.

• Fraud risks from scams and fake SMS messages.

Real-Life Examples

• Miriam, 72, Limpopo – She prefers payment centers because staff help her, but transport costs and safety are big problems.

• Thabo, 29, Gauteng – He uses a mobile wallet and loves the convenience, but worries about scams.

The Bottom Line

There is no single “best” way. Payment centers are vital for the elderly and unbanked, while bank transfers suit younger and tech-savvy people. Both systems have strengths and weaknesses, but together they ensure that no South African is left without access to their grant.

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