{
  "title": "SwapSift crypto exchange data: South Africa — Luno",
  "description": "Availability, Financial Sector Conduct Authority (FSCA) licence status, fees, ZAR deposit and withdrawal rails, USDT networks and KYC for 7 crypto exchanges serving South Africa, each value with its official source, verification date and re-check date.",
  "url": "https://swapsift.com/en-za/data/exchanges/luno.json",
  "market": {
    "id": "za",
    "name": "South Africa",
    "currency": "ZAR",
    "regulator": "Financial Sector Conduct Authority (FSCA)"
  },
  "license": {
    "name": "CC BY 4.0",
    "url": "https://creativecommons.org/licenses/by/4.0/",
    "note": "Compiled data © SwapSift, licensed under CC BY 4.0: reuse is allowed with attribution. Text quoted from exchanges, regulators and other third parties (source titles and notes) remains theirs."
  },
  "attribution": "SwapSift (https://swapsift.com/en-za/data/)",
  "methodology": "https://swapsift.com/en/methodology/",
  "generatedAt": "2026-10-07",
  "dataVerifiedFrom": "2026-09-27",
  "dataVerifiedThrough": "2026-10-04",
  "nextTransitionAt": "2026-11-03",
  "fields": {
    "availability": "Whether residents of the market can open an account: available, restricted or unavailable.",
    "licenseStatus": "Status with the market regulator as read in its register: licensed, registered, pending, not-licensed or not-found-in-register.",
    "licenseReference": "The licence reference (for South Africa the FSCA FSP number) and its category.",
    "products": "Products offered to residents (spot, futures, margin, staking, earn, p2p, otc, savings).",
    "fiatCurrencies": "Fiat currencies the account can hold or trade.",
    "depositMethods": "Ways to deposit fiat money.",
    "withdrawalMethods": "Ways to withdraw fiat money.",
    "fees.makerPercent": "Entry-tier maker fee in percent on the main fiat pairs; not applicable where prices are quoted instead of traded on an order book.",
    "fees.takerPercent": "Entry-tier taker fee in percent on the main fiat pairs (same scope as the maker fee).",
    "fees.tradingFeeNote": "How the trading fee is structured (tiers, pair classes, quote pricing).",
    "fees.fiatDepositFee": "Fee for depositing fiat money, per rail where it differs.",
    "fees.fiatWithdrawalFee": "Fee for withdrawing fiat money to a bank account.",
    "fees.cryptoWithdrawalFeeNote": "How crypto withdrawal fees are set (fixed per asset, dynamic or quoted).",
    "kycSummary": "Identity documents and verification levels required.",
    "facts.pricingModel": "order-book, quote-based (the cost sits in the quoted price) or hybrid.",
    "facts.feeSchedule": "Entry-tier maker/taker per pair class (for example crypto/ZAR, stablecoin/ZAR, crypto/crypto).",
    "facts.zarDeposits": "Rand can be deposited from a South African bank account.",
    "facts.zarWithdrawals": "Rand can be withdrawn to a South African bank account.",
    "facts.spotTrading": "Spot trading is offered.",
    "facts.derivativesTrading": "Futures, options or margin products are offered.",
    "facts.instantBuy": "Pricing of the one-tap buy/sell screen, where one exists.",
    "facts.depositFees": "Rand deposit rails with their fees and limits.",
    "facts.withdrawalFees": "Rand withdrawal rails with their fees and limits.",
    "facts.minimumDeposit": "Smallest rand deposit accepted, when published.",
    "facts.minimumWithdrawal": "Smallest rand withdrawal accepted, when published.",
    "facts.supportedNetworks": "Networks the exchange publishes withdrawal fees for, and whether the fees are dynamic.",
    "facts.feeVariesByPair": "Whether entry-tier rates differ by pair class.",
    "facts.usdtPairs": "Markets quoted in USDT against the local currency.",
    "facts.usdtDepositNetworks": "Networks on which USDT can be deposited.",
    "facts.usdtWithdrawalFees": "USDT withdrawal fee and minimum per network (fixed or variable).",
    "facts.usdtMinimumWithdrawal": "Smallest USDT withdrawal, when published.",
    "facts.zarDepositProcessing": "How long a rand deposit takes to reflect, as the exchange states it.",
    "facts.depositReferenceRule": "The payment reference a rand deposit must carry.",
    "facts.zarWithdrawalProcessing": "When rand withdrawals are processed, as the exchange states it.",
    "facts.wrongNetworkRecovery": "What the exchange publishes about recovering crypto sent on the wrong network.",
    "facts.btcZarMarket": "Whether a BTC/ZAR order book is trading, halted or not listed (a rand purchase is then quoted, or not offered)."
  },
  "exchange": {
    "id": "luno",
    "name": "Luno",
    "officialUrl": "https://www.luno.com/",
    "profileUrl": "https://swapsift.com/en-za/exchanges/luno/",
    "dataUrl": "https://swapsift.com/en-za/data/exchanges/luno.json",
    "verificationStatus": "verified",
    "lastVerifiedAt": "2026-10-03",
    "regulator": "Financial Sector Conduct Authority (FSCA)",
    "facts": [
      {
        "field": "availability",
        "category": "availability",
        "value": "available",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2027-01-02",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/11035628803101-Which-countries-can-I-use-my-Luno-account-in",
        "sourceTitle": null,
        "sourceAsOf": "2026-06-01",
        "note": "South Africa is a listed supported country (article edited 1 June 2026). The terms of use (last updated 14 May 2026) are an agreement with Luno (Pty) Ltd, a company incorporated in South Africa, and Luno’s FAIS disclosure notice gives its registration number, 2013/075107/07."
      },
      {
        "field": "licenseStatus",
        "category": "regulation",
        "value": "licensed",
        "status": "verified",
        "verifiedAt": "2026-09-27",
        "staleFrom": "2026-12-27",
        "sourceUrl": "https://www.fsca.co.za/_api/cr3ad_regulatoryframes(94942cc4-0238-f111-88b3-000d3a64fb06)/cr3ad_document/$value",
        "sourceTitle": null,
        "sourceAsOf": "2026-03",
        "note": "Entry 173 of the FSCA list of licensed CASPs titled March 2026: LUNO (PTY) LTD, Category I & II."
      },
      {
        "field": "licenseReference",
        "category": "regulation",
        "value": "FSP 53314 (FSCA, Category I & II); NCR credit provider NCRCP22123; FIC registration AI/130605/00024",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2027-01-02",
        "sourceUrl": "https://www.luno.com/legal/licenses",
        "sourceTitle": "Licenses and registrations (Luno)",
        "sourceAsOf": "2026-03",
        "note": "FSP number matches entry 173 of the FSCA register titled March 2026 (read 27 September 2026); NCR and FIC numbers, the third-party payment provider registration and the juristic-representative arrangement with Black Onyx CurrencyHub (FSP 50850) for derivatives are as stated by Luno (licences page re-read 3 October 2026)."
      },
      {
        "field": "products",
        "category": "products",
        "value": [
          "spot",
          "staking",
          "otc"
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-12-03",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": null,
        "sourceAsOf": "2026-09-29",
        "note": "Luno Exchange order book plus instant buy/sell; staking for selected coins; an OTC Desk for trades of about USD 50,000 or more (OTC Desk article, edited 4 September 2026). The fee page also lists tokenised stocks and ETFs (1 % trade cost), bundles and prediction markets run by Limitless. No futures or margin product page found."
      },
      {
        "field": "fiatCurrencies",
        "category": "rails",
        "value": [
          "ZAR"
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://www.luno.com/en-za/legal/terms-of-use",
        "sourceTitle": null,
        "sourceAsOf": "2026-05-14",
        "note": "A ZAR wallet takes deposits in rand only (terms of use, last updated 14 May 2026); the bank-transfer article adds that deposits must come from a bank account registered in South Africa."
      },
      {
        "field": "depositMethods",
        "category": "rails",
        "value": [
          "eft",
          "instant-eft",
          "other",
          "crypto"
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": null,
        "sourceAsOf": null,
        "note": "Bank transfer (EFT); instant deposit, Absa Pay and Capitec Pay; Apple Pay (\"other\"); crypto deposits."
      },
      {
        "field": "withdrawalMethods",
        "category": "rails",
        "value": [
          "bank-transfer",
          "crypto"
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": null,
        "sourceAsOf": "2026-09-29",
        "note": "Normal or same-day express ZAR withdrawals to a bank account; the withdrawal-schedule article says the account must be your own, or the withdrawal fails or bounces back."
      },
      {
        "field": "fees.makerPercent",
        "category": "fees",
        "value": 0.4,
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": null,
        "sourceAsOf": null,
        "note": "Tier 1 (R0–R20,000 30-day volume) for crypto/ZAR pairs such as BTC/ZAR; USDT/ZAR and USDC/ZAR makers receive a 0.01 % rebate."
      },
      {
        "field": "fees.takerPercent",
        "category": "fees",
        "value": 0.6,
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": null,
        "sourceAsOf": null,
        "note": "Tier 1 for crypto/ZAR pairs such as BTC/ZAR; USDT/ZAR and USDC/ZAR 0.20 %; crypto/crypto 0.10 %."
      },
      {
        "field": "fees.tradingFeeNote",
        "category": "fees",
        "value": "13 volume tiers on 30-day ZAR volume with three pair classes. Tier 1 taker: 0.60 % crypto/ZAR, 0.20 % USDT/ZAR and USDC/ZAR, 0.10 % crypto/crypto; Tier 1 maker: 0.40 % crypto/ZAR, −0.01 % USDT/ZAR and USDC/ZAR, 0.08 % crypto/crypto. Instant buy/sell from the Portfolio screen costs 2 % (ZAR Supercoin: free to buy, 3 % to sell). Staking service fee 20–40 % of rewards.",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": null,
        "sourceAsOf": null,
        "note": null
      },
      {
        "field": "fees.fiatDepositFee",
        "category": "fees",
        "value": "Bank transfer (EFT): free, no limit. Instant deposit 1.4 % (up to R100,000). Absa Pay 1.4 %. Capitec Pay 1.25 % under R1,000 or R9.00 over R1,000. Apple Pay 2.5 % (R50–R30,000).",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": null,
        "sourceAsOf": null,
        "note": null
      },
      {
        "field": "fees.fiatWithdrawalFee",
        "category": "fees",
        "value": "Normal withdrawal: free (up to 2 business days). Express withdrawal: R20.00 to RTC-participant banks, R80.00 to other banks.",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": null,
        "sourceAsOf": null,
        "note": null
      },
      {
        "field": "fees.cryptoWithdrawalFeeNote",
        "category": "fees",
        "value": "Dynamic network-based send fee shown before confirmation (XRP fixed at 0.03 %); receiving crypto is free. Send limits by level: USD 2,400 / 12,000 / 120,000 per 24 hours.",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": null,
        "sourceAsOf": null,
        "note": null
      },
      {
        "field": "kycSummary",
        "category": "kyc",
        "value": "Accepted South African ID: national ID card (front and back), ID book, driver’s licence or valid passport (temporary IDs not accepted), a colour selfie when requested, and proof of residential address dated within 3 months. Level 1: R15,000 lifetime deposits and withdrawals; Level 2: R50,000 per month; fully verified: no limits. Verification is usually automatic within minutes.",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2027-01-02",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/11035573714973-Which-identity-documents-are-accepted-for-verification",
        "sourceTitle": "Which identity documents are accepted for verification?",
        "sourceAsOf": "2026-06-12",
        "note": "Documents and selfie from this article (edited 12 June 2026); proof of address from the accepted-documents article (edited 5 June 2026); level limits from the fees page; \"a few minutes, or a day or two for a manual review\" from the verification article (edited 21 September 2026)."
      },
      {
        "field": "facts.pricingModel",
        "category": "fees",
        "value": "order-book",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": "Luno fees and limits in South Africa",
        "sourceAsOf": null,
        "note": "Luno Exchange order book with maker/taker tiers plus 2 % instant buy/sell from the Portfolio screen."
      },
      {
        "field": "facts.feeSchedule",
        "category": "fees",
        "value": [
          {
            "id": "crypto-zar",
            "appliesTo": [
              "general-crypto-zar"
            ],
            "label": "Crypto/ZAR pairs (BTC/ZAR, ETH/ZAR)",
            "makerPercent": 0.4,
            "takerPercent": 0.6,
            "note": "Tier 1, R0–R20,000 30-day volume"
          },
          {
            "id": "stablecoin-zar",
            "appliesTo": [
              "stablecoin-zar"
            ],
            "label": "USDT/ZAR and USDC/ZAR",
            "makerPercent": -0.01,
            "takerPercent": 0.2,
            "note": "Tier 1; makers receive a 0.01 % rebate"
          },
          {
            "id": "crypto-crypto",
            "appliesTo": [
              "crypto-crypto"
            ],
            "label": "Crypto/crypto pairs",
            "makerPercent": 0.08,
            "takerPercent": 0.1,
            "note": "Tier 1"
          }
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": "Luno fees and limits in South Africa",
        "sourceAsOf": null,
        "note": null
      },
      {
        "field": "facts.zarDeposits",
        "category": "rails",
        "value": true,
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": "Luno fees and limits in South Africa",
        "sourceAsOf": null,
        "note": "Bank transfer (EFT), instant deposit, Absa Pay, Capitec Pay and Apple Pay."
      },
      {
        "field": "facts.zarWithdrawals",
        "category": "rails",
        "value": true,
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": "Luno fees and limits in South Africa",
        "sourceAsOf": null,
        "note": "Normal or express withdrawal to a South African bank account."
      },
      {
        "field": "facts.spotTrading",
        "category": "products",
        "value": true,
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-12-03",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": "Luno fees and limits in South Africa",
        "sourceAsOf": null,
        "note": "Luno Exchange order book plus instant buy/sell from the Portfolio screen."
      },
      {
        "field": "facts.derivativesTrading",
        "category": "products",
        "value": false,
        "status": "partially-verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-12-03",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": "Luno fees and limits in South Africa",
        "sourceAsOf": null,
        "note": "No futures or margin product appears in the South African fee schedule (edited 29 September 2026); absence on the page is not a statement by Luno. Its licences page says Luno acts as a juristic representative of Black Onyx CurrencyHub (FSP 50850) in respect of derivatives."
      },
      {
        "field": "facts.instantBuy",
        "category": "fees",
        "value": {
          "kind": "percent",
          "percent": 2,
          "note": "Buying or selling from the Portfolio screen: 2 % each way (ZAR Supercoin: free to buy, 3 % to sell). Instant buy with card (3.9 %) is listed as currently unavailable."
        },
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": "Luno fees and limits in South Africa",
        "sourceAsOf": null,
        "note": null
      },
      {
        "field": "facts.depositFees",
        "category": "fees",
        "value": [
          {
            "id": "eft",
            "label": "Bank transfer (EFT)",
            "method": "eft",
            "kind": "free",
            "feeText": "Free",
            "limit": "No limit (level 3); level limits otherwise",
            "processingTime": "Near-instant from Standard Bank; up to 2 business days from other banks (bank-transfer deposit article, edited 29 April 2026)"
          },
          {
            "id": "instant",
            "label": "Instant deposit",
            "method": "instant-eft",
            "kind": "percent",
            "percent": 1.4,
            "feeText": "1.4 %",
            "limit": "R100,000"
          },
          {
            "id": "absa-pay",
            "label": "Absa Pay",
            "method": "instant-eft",
            "kind": "percent",
            "percent": 1.4,
            "feeText": "1.4 %",
            "limit": "R100,000"
          },
          {
            "id": "capitec-pay",
            "label": "Capitec Pay",
            "method": "instant-eft",
            "kind": "mixed",
            "percent": 1.25,
            "amount": 9,
            "feeText": "1.25 % for deposits under R1,000; R9.00 for deposits over R1,000",
            "limit": "R100,000"
          },
          {
            "id": "apple-pay",
            "label": "Apple Pay",
            "method": "other",
            "kind": "percent",
            "percent": 2.5,
            "feeText": "2.5 %",
            "minimum": "R50",
            "limit": "R30,000"
          }
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": "Luno fees and limits in South Africa",
        "sourceAsOf": null,
        "note": "Capitec and Absa customers cannot make an EFT to Luno from those accounts (bank-transfer deposit article, edited 29 April 2026); Luno’s alternatives include Capitec Pay, Absa Pay or an EFT from another bank."
      },
      {
        "field": "facts.withdrawalFees",
        "category": "fees",
        "value": [
          {
            "id": "normal",
            "label": "Normal withdrawal",
            "method": "bank-transfer",
            "kind": "free",
            "feeText": "Free",
            "processingTime": "Up to 2 business days after processing (sooner with Standard Bank)"
          },
          {
            "id": "express",
            "label": "Express withdrawal",
            "method": "bank-transfer",
            "kind": "fixed",
            "amount": 20,
            "feeText": "R20.00 to RTC-participant banks; R80.00 to other banks",
            "processingTime": "Same day"
          }
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": "Luno fees and limits in South Africa",
        "sourceAsOf": null,
        "note": null
      },
      {
        "field": "facts.minimumDeposit",
        "category": "rails",
        "value": null,
        "status": "research-required",
        "verifiedAt": null,
        "staleFrom": null,
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": "Luno fees and limits in South Africa",
        "sourceAsOf": "2026-09-29",
        "note": "No minimum deposit is printed on the fees page (bank transfer: \"Free\", \"No limit\") or in the bank-transfer deposit article (edited 29 April 2026), both read 4 October 2026. Of the deposit routes on the fees page, only Apple Pay prints a minimum."
      },
      {
        "field": "facts.minimumWithdrawal",
        "category": "rails",
        "value": "R10",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/11035593777693-Are-there-any-withdrawal-limits",
        "sourceTitle": "Are there any withdrawal limits?",
        "sourceAsOf": "2026-09-16",
        "note": "Applies to withdrawals from the ZAR wallet to a South African bank account; the withdrawal fee is added on top of the amount entered. Not printed on the fees page itself."
      },
      {
        "field": "facts.supportedNetworks",
        "category": "fees",
        "value": "Dynamic, network-based send fee shown before you confirm (XRP fixed at 0.03 %); no per-network fee table is published.",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": "Luno fees and limits in South Africa",
        "sourceAsOf": null,
        "note": null
      },
      {
        "field": "facts.feeVariesByPair",
        "category": "fees",
        "value": true,
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": "Luno fees and limits in South Africa",
        "sourceAsOf": null,
        "note": "Crypto/ZAR, USDT/ZAR & USDC/ZAR and crypto/crypto pairs each have their own column in the maker and taker tier tables."
      },
      {
        "field": "facts.usdtPairs",
        "category": "rails",
        "value": [
          "USDT/ZAR",
          "USDC/ZAR",
          "BTC/USDT"
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/14158595648541-Luno-fees-and-limits-in-South-Africa",
        "sourceTitle": "Luno fees and limits in South Africa",
        "sourceAsOf": null,
        "note": "USDT/ZAR and USDC/ZAR have their own fee class (Tier 1: 0.20 % taker, −0.01 % maker rebate); USDT-quoted pairs such as BTC/USDT are crypto/crypto (0.10 % / 0.08 %)."
      },
      {
        "field": "facts.usdtDepositNetworks",
        "category": "rails",
        "value": [
          "Ethereum (ERC-20)",
          "Tron (TRC-20)"
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/24503097546141-Which-transfer-network-should-I-choose-when-sending-or-receiving-USDT",
        "sourceTitle": "Which transfer network should I choose when sending or receiving USDT?",
        "sourceAsOf": "2026-05-04",
        "note": "Tron is available only to customers verified in South Africa and Nigeria on app version 8.77.0 or higher and may be temporarily unavailable; you choose the network when you create a receive address. Never send USDT to your Luno Ethereum (ETH) wallet."
      },
      {
        "field": "facts.usdtWithdrawalFees",
        "category": "fees",
        "value": [
          {
            "network": "Ethereum (ERC-20)",
            "kind": "variable",
            "feeText": "Variable — dynamic send fee shown before you confirm"
          },
          {
            "network": "Tron (TRC-20)",
            "kind": "variable",
            "feeText": "Variable — shown before you confirm",
            "note": "Luno’s network article describes the Tron fee as \"fixed $3 – $12 depending on your region\" while also calling its USDT send fee dynamic; treated as variable until a figure is published for South Africa."
          }
        ],
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/24503097546141-Which-transfer-network-should-I-choose-when-sending-or-receiving-USDT",
        "sourceTitle": "Which transfer network should I choose when sending or receiving USDT?",
        "sourceAsOf": "2026-05-04",
        "note": null
      },
      {
        "field": "facts.usdtMinimumWithdrawal",
        "category": "fees",
        "value": "10 USDT per send on Tron (TRC-20); no minimum on Ethereum (ERC-20) beyond covering the send fee",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-03",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/24503097546141-Which-transfer-network-should-I-choose-when-sending-or-receiving-USDT",
        "sourceTitle": "Which transfer network should I choose when sending or receiving USDT?",
        "sourceAsOf": "2026-05-04",
        "note": "The article’s network table gives \"You must send a minimum of $10 USDT\" for Tron and \"There’s no minimum send amount, provided you cover the network’s send fee\" for Ethereum (content unchanged since 4 May 2026). Until the re-read on 27 September 2026 this field recorded 10 USDT for every network."
      },
      {
        "field": "facts.zarDepositProcessing",
        "category": "rails",
        "value": "Standard Bank near-instant; other banks up to two business days (longer over weekends, public holidays and after hours). Send proof of payment only after two business days.",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/11035608387741-How-do-I-make-a-deposit-via-bank-transfer-in-South-Africa",
        "sourceTitle": "How do I make a deposit via bank transfer in South Africa?",
        "sourceAsOf": "2026-04-29",
        "note": "The deposit-not-reflecting article (edited 30 January 2026) asks for proof of payment only after two business days and says most deposits take at least 48 hours, excluding weekends and public holidays, to allocate."
      },
      {
        "field": "facts.depositReferenceRule",
        "category": "rails",
        "value": "Use the BX or LN deposit reference in the beneficiary reference field (Luno recommends both reference fields), pay from your own bank account, and avoid two deposits of the same amount within 24 hours; a wrong or missing reference can take up to a month to allocate. Proof of payment must show name, amount, date and reference (no SMS, statements or notifications).",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/11035616675357-What-can-I-do-if-my-deposit-isn-t-reflecting-in-my-wallet",
        "sourceTitle": "What can I do if my deposit isn't reflecting in my wallet?",
        "sourceAsOf": "2026-01-30",
        "note": null
      },
      {
        "field": "facts.zarWithdrawalProcessing",
        "category": "rails",
        "value": "Normal withdrawals are processed automatically: to Standard Bank 08:00–17:45 Monday–Saturday (in your account up to 24 hours later); to other banks 08:00–15:45 Monday–Friday and 08:00–09:45 Saturday (up to 48 hours later). A withdrawal to an account that is not your own, or with incorrect bank details, fails or bounces back.",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-11-18",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/11035601393565-How-long-until-my-withdrawal-is-processed",
        "sourceTitle": "How long until my withdrawal is processed?",
        "sourceAsOf": "2026-09-16",
        "note": null
      },
      {
        "field": "facts.wrongNetworkRecovery",
        "category": "products",
        "value": "Crypto sent to Luno incorrectly could be lost: Luno states it cannot access or return unsupported cryptocurrency sent to a Luno wallet, and warns that sending other coins over an unsupported network (such as BNB Chain) may lead to permanent loss. No recovery service is described.",
        "status": "verified",
        "verifiedAt": "2026-10-03",
        "staleFrom": "2026-12-03",
        "sourceUrl": "https://guide.luno.com/hc/en-gb/articles/11035595302173-Things-you-need-to-know-about-receiving-crypto",
        "sourceTitle": "Things you need to know about receiving crypto",
        "sourceAsOf": "2026-03-12",
        "note": null
      },
      {
        "field": "facts.btcZarMarket",
        "category": "fees",
        "value": "trading",
        "status": "verified",
        "verifiedAt": "2026-10-04",
        "staleFrom": "2026-11-04",
        "sourceUrl": "https://api.luno.com/api/exchange/1/markets",
        "sourceTitle": "Luno API: markets",
        "sourceAsOf": null,
        "note": "XBTZAR (BTC/ZAR), USDTZAR and USDCZAR show trading status ACTIVE (read 4 October 2026)."
      }
    ]
  }
}