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The best way for South Africans abroad to call home: banks, SARS and family

5 October 2026 · 2 minute read · by Ukutel

On hold with a South African bank from London, without the bill.

If you live overseas, you already use WhatsApp for family. The calls that cause trouble are the others: the bank's call centre, SARS, the medical aid, the municipality, a parent with a landline, the school. None of them are on WhatsApp, most keep you on hold, and from a foreign SIM every minute of that hold is an international call.

Here are the ways South Africans abroad handle it.

  • Call from the foreign SIM. Simple and expensive, especially on hold.
  • Ask family at home to phone for you. Often impossible; call centres want to speak to the account holder.
  • Use a calling app with credit. You call the South African number directly, over your internet, at a per-second rate.

A cloud number adds one more thing that the others do not: a South African number of your own. With Ukutel, people and companies in South Africa can phone you back on a local number, and it rings in the app wherever you are. When you call them, they see a South African number, which matters more than people expect. Calls from unknown foreign numbers often go unanswered.

Some practical advice from people who do this every month:

  • Call centres: phone early in the South African morning, when queues are shortest. Mind the time difference.
  • Hold time: per-second billing means you pay for the hold you actually sit through, not rounded-up minutes. It is still worth choosing a quiet time.
  • One-time PINs: these go to the number your bank has on record. Ask your bank which options they offer clients abroad before you rely on any second number.
  • Airtime: load it in rands. Top-up airtime with us does not expire, so a balance kept for the yearly SARS call is still there next year.

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