Nagrik SA is a registered financial services Co operative located in Laudium, Pretoria.  It is a member owned and controlled financial co-operative that takes care of the financial needs of its members.  The co-operative allows members to mobilise their own savings and turn them into loans for their social and economic benefit.

Nagrik SA is a not-for-profit financial co-operative that is member owned and member controlled. Nagrik SA was formed with the purpose of providing sustainable banking and other related services to its members at reasonable costs.

At Nagrik SA, we believe that our members have the right to all of their money, and it is therefore that we do not issue any shares on our saving products nor do we pay any dividends to outside stakeholders or non-members. We are unlike other banks.  We make sure we offer you the best interest on deposits with minimal fees. Please see our list of savings products and services.

At Nagrik SA we take pride in assisting our members with the best financial solutions and advice. We therefore only offer our loan services to members who have shown the ability to repay. Please see our list of loan products and other services that we offer.

Our Vision
Nagrik SA’s vision is to provide affordable banking services to its members and also expand its network to other previously disadvantaged communities.


  • Attractive Interest rate on Savings and Fixed Deposit @ 1.5% to 6.50%*

  • Loan @ 9% to 15%*

  • No Account Maintenance Charges on any accounts

  • Mobile Banking

  • Latest State of The Art Technology

  • Easy Loan Process

  • Quick turnaround time on Loan

*Subject to change

To download a membership application form for individuals, click here. For businesses click here.