FinGlobal

01/09/2026

Who impressed the client?

Tercia and Jason get an unexpected surprise after receiving a glowing Google review from a client.

Real people. Real help. Real peace of mind.

Need help with cross-border finance? Get in touch with our team today.

31/08/2026

Left South Africa and want to cash in your retirement annuity? The "3-year rule" is one of the most misunderstood parts of tax emigration.

The three years is not a waiting period that starts once you have tax emigrated. It counts from the date you ceased to be a South African tax resident. That means you do not need to wait three years to start the SARS process, and if you ceased residency three or more years ago, you may be able to apply now.

We break down both conditions, how the two-pot system fits in, and what SARS will tax when you withdraw.

Want to cash in your RA before 55? You’ll need three years of tax non-residency after completing tax emigration. Here’s how it works.

29/08/2026

Living abroad but still earning rental income from South African property? A SARS AIT PIN may be required before you can transfer those funds offshore. Find out why the PIN is needed, how the process works and what non-resident property owners should know.

A SARS AIT PIN is now required to access funds, with banks often needing a TCS PIN to release rental income.

28/08/2026

Left South Africa with a retirement annuity?

Leaving the country doesn’t automatically unlock your retirement annuity. Find out how the three-year rule affects when you can withdraw and how your lump sum may be taxed.

26/08/2026

Leaving South Africa is rarely just one decision. It's dozens of smaller choices made while packing up a life: which visa to apply for, whether to keep or cash in a retirement annuity, how much money to move and when.

Most of these choices feel manageable at the time. Then, years later, something unexpected happens: an inheritance is delayed, a tax bill appears out of nowhere, or a retirement fund pays out far less than expected.

We work with South African expats at every stage of this process, and the same mistakes keep coming up: delaying tax emigration, cashing in a retirement annuity without understanding the tax implications, not using the Single Discretionary Allowance and Foreign Investment Allowance before leaving, and leaving property and estate planning decisions too late.

The good news: almost all of these are avoidable, and most are still fixable if you catch them early.

Read the full article to see the mistakes we see South African expats regret most, and how to avoid them

Unsure of your own situation? Get in touch with our team

Many South Africans discover too late that delayed financial admin can be costly. Here are common money mistakes and how to avoid them.

24/08/2026

You wrote your will to protect your family. But if you have moved abroad, that one document could leave them facing frozen accounts, long delays, and two legal systems that each insist on their own paperwork.
The good news: this is entirely avoidable with the right planning. Sometimes that means two wills, one for South Africa and one for your new home country. The key is knowing how it applies to you, and making sure your wills never cancel each other out.
We explain it all in our latest article

South African expat? Learn when you need both a South African will and a will in your new home country, and the risks of relying on just one.

23/08/2026

Left South Africa without formally notifying SARS? You may still have tax obligations in South Africa, and your tax residency status could be affected.

Find out what South African expats need to know and why it’s important to get your tax affairs in order.

The official process is known as tax emigration. This happens when you formally cease tax residency in South Africa...

22/08/2026

Living overseas doesn’t mean your South African tax obligations disappear. Under-declaring foreign income could leave South African expats exposed to penalties and other consequences.

Find out what you need to know and why accurate reporting matters.

Read the full article:

Many expats fall into the trap of assuming that relocating or working abroad automatically exempts them from tax on income in South Africa. Others

21/08/2026

Living overseas but still have a South African retirement annuity? You may be wondering whether you can cash it out from abroad. Find out what the rules are for expats, when you may be able to withdraw, and what to consider before making a decision. Read more...

While early retirement annuity withdrawals are limited in South Africa, expats should be aware of key exceptions that could apply to them.

21/08/2026

Kept assets in South Africa after emigrating? Your will may be the weak point. Learn why two wills work, and the one clause that can cancel them by accident.