General questions
What is Dosh?
Dosh is an Earned Wage Access (EWA) platform that allows employees to access a portion of their already-earned salary before their official payday. It is not a loan — no interest is charged. A 10% transaction fee applies to each access request.
Is Dosh a loan service?
No. Dosh is not a credit provider and does not offer loans. We provide early access to wages you have already earned. This is not regulated under the National Credit Act. A 10% transaction fee applies to each advance.
Who can use Dosh?
Dosh is available to employees whose employers are registered on the Dosh platform. You must be a South African citizen or permanent resident with a valid 13-digit SA ID number to register.
How is the advance repaid?
The total amount (advance + 10% transaction fee) is deducted from your next salary payment through your employer's normal payroll process. You sign a digital agreement before each advance is processed.
What is FICA verification?
FICA (Financial Intelligence Centre Act) verification is a legal requirement for financial services in South Africa. We require you to upload:
- A clear photo of your South African ID document
- A selfie / live photo of your face
- A recent bank statement (not older than 3 months)
- Your latest payslip
How long does FICA verification take?
FICA documents are reviewed by our admin team. Verification typically takes 1–2 business days. You will receive an in-app notification once your documents are approved or if any action is required.
Is the Dosh app free to download?
Yes. The Dosh app is completely free to download and register. A 10% transaction fee only applies when you request an earned wage advance.
Information we collect
Why do we collect your information? We collect personal information solely to verify your identity, process your earned wage requests, and comply with South African financial regulations (FICA). We never sell your data to third parties.
| Information | Why we collect it | Required? |
|---|---|---|
| Full name & surname | Identity verification and contract generation | Required |
| SA ID number | Identity verification, age and citizenship confirmation | Required |
| Date of birth | Auto-extracted from SA ID for identity verification | Required |
| Gender | Auto-extracted from SA ID for identity verification | Required |
| Cellphone number | OTP verification, account security and SMS notifications | Required |
| Email address | Account communication and notifications | Optional |
| Province, city / town | Address verification for FICA compliance | Optional |
| Physical address & postal code | Address verification for FICA compliance | Optional |
| Employer / company name | To confirm employment and process salary advances | Required |
| Monthly salary | To calculate eligible advance amounts | Required |
| Pay day | To determine repayment date | Required |
| Employee / payroll number | To link your record with your employer's payroll system | Optional |
| Next of kin details | Emergency contact information | Optional |
| ID document photo | FICA identity verification (legally required) | Required |
| Selfie / face photo | FICA identity verification to match ID document | Required |
| Bank statement | FICA proof of banking and income verification | Required |
| Payslip | FICA proof of employment and income | Required |
| Device push token | To send push notifications about your account | Optional |
Your privacy & rights
Is my personal information safe?
Yes. All personal and financial information is encrypted and stored securely using industry-standard protocols. We use HTTPS encryption for all data transmission. Access to your data is strictly limited to authorised Dosh personnel only.
Does Dosh share my data with third parties?
No. Dosh does not sell, rent, or share your personal information with any third party, partner company, or external organisation. Your data is only shared with your employer to the extent necessary to process your salary advance through payroll.
How long do you keep my data?
We retain your personal data for as long as your account is active and as required by South African law (including FICA and POPIA). If you request account deletion, we will delete your data within 30 business days, except where retention is required by law.
What are my rights under POPIA?
Under the Protection of Personal Information Act (POPIA), you have the right to:
- Access the personal information we hold about you
- Request correction of incorrect personal information
- Request deletion of your personal information
- Object to the processing of your personal information
- Lodge a complaint with the Information Regulator of South Africa
Can I update my personal information?
Yes. You can update certain personal details directly in the Dosh app under your Profile section. For changes to sensitive information such as your ID number, please contact our support team at support@dosh.co.za.
Account deletion request
What gets deleted? Your personal profile, uploaded FICA documents, advance history, transaction records, in-app messages, and device push token.
⚠️ Please note before requesting deletion
- Any outstanding advance balance must be fully settled before deletion can be processed
- Signed contract documents may be retained for up to 5 years as required by South African law
- Account deletion is permanent and cannot be undone
- Your request will be processed within 30 business days
🗑️ Request account deletion
To request deletion of your Dosh account and all associated personal data, send an email to our support team with the subject line "Account Deletion Request". Include your full name and the cellphone number registered on your account so we can verify your identity before processing.
✉️ Send deletion request