TERMS AND CONDITIONS
1. GENERAL
1.1 All participants in this competition agree that the competition rules as set out in these Terms and Conditions are binding on them. A copy of these rules will be available to participants and may be made available on the Absa website.
1.2 The organiser of this competition is Absa. For purposes of this competition, Absa Bank Limited means Absa, with Registration Number 1986/004794/06, and Absa Group Limited means a public company with Registration Number 1986/003934/06, incorporated under the laws of the Republic of South Africa, with its registered address at 15 Troye Street, Johannesburg, 2001.
1.3 Absa, its directors, members, partners, employees, agents or consultants, MediaHeads 360, Absa’s promotion agencies, radio stations, and any other agency or third party directly involved in the administration or execution of this promotional campaign, as well as the directors, members, partners, employees, agents or consultants of such entities, and their respective spouses, life partners, business partners or immediate family members, are not permitted to participate in this promotional campaign.
1.4 The participant acknowledges that they have been given sufficient opportunity to read these Terms and Conditions before participating in the campaign and understands that participation constitutes acceptance of these Terms and Conditions.
2. PERSONAL INFORMATION
2.1 Absa will collect, store and use participants’ personal information, including their names, telephone numbers and other information required for participation, for purposes of entering them into the competition, administering the competition, verifying participants and fulfilling prizes.
2.2 By participating in the competition, participants agree that their personal information may be transferred to Absa’s service providers and agents, including their subcontractors, to the extent necessary to administer and execute the competition.
2.3 Participants’ personal information will not be provided to third parties for their own direct marketing purposes without the participant’s consent.
2.4 Participants’ personal information will be retained for as long as reasonably necessary to administer the competition and in accordance with Absa’s applicable privacy and data-retention requirements.
2.5 Participants may visit the Absa website and refer to the applicable Privacy Statement for further information regarding the processing of their personal information.
3. COMPETITION PERIOD
3.1 The Absa Moments Brand Campaign 2026 (“the Competition”) will run for four (4) weeks, from 19 October 2026 to 13 November 2026, inclusive (“the Competition Period”).
3.2 The Competition will be broadcast across the following radio stations:
- Metro FM;
- Ukhozi FM; and
- 947
3.3 Competition activity will take place from Monday to Friday during the Competition Period, with the applicable competition mechanic determined by the day of the week.
4. HOW TO ENTER
4.1 To participate, entrants must send the keyword ” ABSA Moments” via WhatsApp to 0794073571 during the Competition Period.
4.2 Once the entrant has accessed the WhatsApp, they will be required accept these terms and conditions and do the following to enter the competition:
a) register their personal details once;
b) select their preferred radio station;
c) select the competition/ applicable game they wish to enter; and
d) complete and submit the required entry.
4.3 Participants may enter the Competition as many times as they wish during the Competition Period, provided that each entry complies with these Terms and Conditions.
4.4 Multiple entries do not guarantee selection to participate on air or that you will win the prize.
4.5 Participants may only win one (1) on-air prize during the Competition Period, subject to the additional opportunity described in clause 8 relating to the Absa Banking App.
4.6 Absa reserves the right to verify the eligibility of any entrant before they participate or receive a prize.
5. COMPETITION MECHANICS
5.1 94.7
94.7will award a total prize value of R374 400 (Three hundred and seventy four thousand four hundred rand) broken down into:
5.1.1* R115 000 (One hundred and fifteen thousand rand) to be awarded via on-air competition.
5.1.2* R9 400.00 (Nine thousand four hundred rand) to be awarded via social media competition.
5.1.3* R250 000.00 (Two hundred and fifty thousand rand) to be awarded as grand prize winner.
5.1.1 On-air competition
Each contestant will participate in the on-air competition, each contestant will be required to answer the following daily questions:
| Day | Competition |
| Monday | Tap & Win, Absa Cards and Ultimate Banking |
| Tuesday | Spin & Win, Cash Invest Tracker questions |
| Wednesday | Absa Rewards |
| Thursday | Guess the Song, Vehicle Finance |
| Friday | Home Sweet Home, special home memories |
R105 600.00 (One hundred and five thousand six hundred rand) will be awarded to 10 (Ten) winners
on-air prize winners
R9 400.00 worth of vouchers (Nine thousand four hundred in rand value) will be awarded to 10 (Ten) runner up winners
5.1.2 Social media
Each contestant will be required to follow the social media to answer the following daily questions:
| Day | Competition |
| Monday | Tap & Win, Absa Cards and Ultimate Banking |
| Tuesday | Spin & Win, Absa Cash Invest Tracker questions |
| Wednesday | Absa Rewards |
| Thursday | Guess the Song, Vehicle Finance |
| Friday | Home Sweet Home, special home memories |
R9 400.00 (Nine thousand four hundred rand) will be awarded to 20 (Ten) social media winners
5.1.3 Grand prize
All qualifying Absa customers who enter the competition during the competition period will be eligible for a random draw, where one (1) lucky listener will stand a chance to win R250,000 towards their existing Absa Home Loan, provided the home loan is in good standing.
5.2 Ukhozi FM
Ukhosi FMwill award a total prize value of R314 000 (Three hundred and fourteen thousand rand) broken down into:
5.2.1* R55 000.00 (Fifty five thousand rand) to be awarded via on-air competition.
5.2.2* R8 500.00 vouchers (Eight thousand five hundred in rand value) to be awarded via social media competition.
5.2.3* R250 000.00 (Two hundred and fifty thousand rand) to be awarded as grand prize winner.
5.2.1 On-air competition
Each contestant will participate in the on-air competition, each contestant will be required to answer the following on air daily questions
| Day | Competition |
| Monday | Tap & Win, Absa Transact Account and payments (cash send & payshap) |
| Tuesday | Spin & Win, Absa Funeral cover and personal loans |
| Wednesday | Absa Rewards |
| Thursday | Guess the Song, Vehicle Finance |
| Friday | Home Sweet Home, special home memories |
R47 000.00 (Forty-seven thousand rand) will be awarded to 5 (five) on-air prize winners
R8 500.00 worth of voucher (Eight thousand five hundred in rand value) will be awarded to 5 (five) runner up winners
5.2.2 Social media
Each contestant will be required to follow the social media question
| Day | Competition |
| Monday | Tap & Win, Absa Transact Account and payments (cash send & payshap) |
| Tuesday | Spin & Win, Absa Funeral cover and personal loans |
| Wednesday | Absa Rewards |
| Thursday | Guess the Song, Vehicle Finance |
| Friday | Home Sweet Home, special home memories |
R8 500.00 worth of vouchers (Eight thousand five hundred in rand value) will be awarded to 5 (five) social media winners
5.2.3 Grand prize
All qualifying Absa customers who enter the competition during the competition period will be eligible for a random draw, where one (1) lucky listener will stand a chance to win R250,000 towards their existing Absa Home Loan, provided the home loan is in good standing.
5.3 Metro FM
Metro FMwill award a total prize value of R428 600.00 (Four hundred and twenty eight thousand six hundred rand) broken down into:
5.3.1* R69 600.00 (Sixty nine thousand five hundred rand) to be awarded via on-air competition.
5.3.2* R9 000.00 (Nine thousand rand) to be awarded via social media competition.
5.3.3* One BYD Dolphin Surf valued at R350 000 (Three hundred and fifty thousand rand) to be awarded as grand prize winner.
5.3.1 On-air competition
Each contestant will participate in the on-air competition, each contestant will be required to answer the following on-air daily questions
| Day | Competition |
| Monday | Tap & Win, Absa Transact Account and payments (cash send & payshap) |
| Tuesday | Spin & Win, Absa Funeral cover and personal loans |
| Wednesday | Absa Rewards |
| Thursday | Guess the Song, Vehicle Finance |
| Friday | Home Sweet Home, special home memories |
R60 600.00 (Sixty thousand six hundred rand) will be awarded to 5 (five) on-air prize winners
R9 0000.00 worth of vouchers (Nine thousand in rand value) will be awarded to 5 (five) runner up winners
5.3.2 Social media
Each contestant will be required to follow the social media questions
| Day | Competition |
| Monday | Tap & Win, Absa Transact Account and payments (cash send & payshap) |
| Tuesday | Spin & Win, Absa Funeral cover and personal loans |
| Wednesday | Absa Rewards |
| Thursday | Guess the Song, Vehicle Finance |
| Friday | Home Sweet Home, special home memories |
R9 0000.00 worth of vouchers (Nine thousand in rand value) will be awarded to 5 (five) winners] social media winners
5.3.3 Grand prize
All qualifying Absa customers who enter the competition during the competition period will be eligible for a random draw, where one (1) lucky listener will stand a chance to win a brand new BYD Dolphin Surf Electric Car .
6. ON-AIR PRIZES
6.1 The overall campaign prize is to the value of R1 117 000,00 with the applicable prize determined by the specific competition mechanic per station.
6.2 The stated prize values are the total value of the prizes available to winners, subject to the applicable prize terms and conditions.
6.3 Prizes are not transferable and may not be exchanged for cash or any other alternative unless expressly determined by Absa.
6.4 Absa reserves the right to substitute a prize with a prize of similar value where reasonably necessary, subject to applicable law.
7. ABSA BANKING APP – ADDITIONAL OPPORTUNITY
7.1 Participants who have participated in the Competition may have an additional opportunity to win through the applicable Spin and Win game available in the Absa Banking App.
7.2 The Absa Banking App activity will be subject to the applicable requirements and terms and conditions communicated by Absa.
7.3 Participation in the Absa Banking App activity does not guarantee a prize.
7.4 The opportunity to participate in the Absa Banking App activity is separate from the participant’s eligibility to win an on-air prize.
8. STATION GRAND PRIZES
8.1 METRO FM – BYD VEHICLE
8.1.1 Verified Absa account holders who have been shortlisted from the Metro FM Competition entry pool will be entered into a draw for a chance to win one (1) brand-new BYD Dolphin Surf Comfort Electric Vehicle.
8.1.2 To qualify for the Metro FM Grand Prize draw, the participant must:
a) have entered the Competition during the Competition Period;
b) have been shortlisted from the Metro FM competition entry pool;
c) be a verified Absa account holder;
d) driver’s licence optional, not mandatory;
e) comprehensive vehicle insurance optional, not mandatory;
f) meet all applicable eligibility and verification requirements; and
g) comply with these Terms and Conditions.
8.1.3 The Metro FM Grand Prize winner will be selected by means of a random draw from all eligible and verified shortlisted participants.
8.1.4 Further details regarding the vehicle, applicable specifications, delivery, registration, licensing and handover requirements will be communicated to the winner by Absa.
8.1.5 The winner will be required to provide all documentation reasonably required by Absa to verify their identity, eligibility and compliance with these Terms and Conditions.
8.2 UKHOZI FM – HOME LOAN / BOND PRIZE
8.2.1 Verified Absa account holders who have been shortlisted from the Ukhozi FM Competition entry pool will be entered into a draw for a chance to win R250 000 cash towards their bond, subject to the applicable Absa requirements.
8.2.2 One (1) winner will be selected from the eligible and verified Ukhozi FM shortlisted participants.
8.2.3 Absa will facilitate the R250 000 prize which will be paid towards the winner’s Absa bond/home-loan obligation in accordance with Absa’s applicable fulfilment requirements.
8.3 947 – HOME LOAN / BOND PRIZE
8.3.1 Verified Absa account holders who have been shortlisted from the 947 Competition entry pool will be entered into a draw for a chance to win R250 000 cash towards their bond, subject to the applicable Absa requirements.
8.3.2 One (1) winner will be selected from the eligible and verified 947 shortlisted participants.
8.3.3 Absa will facilitate the R250 000 prize which will be applied towards the winner’s Absa bond/home-loan obligation in accordance with Absa’s applicable fulfilment requirements.
9. ELIGIBILITY
9.1 To qualify for participation in the Competition, the participant must:
a) be a South African citizen, hold a South African identity document (ID) or valid passport, or be a temporary resident in South Africa holding a valid passport and applicable permit, excluding persons in South Africa solely for holiday or business visits;
b) be eighteen (18) years of age or older;
c) provide correct and complete personal information and contact details as required;
d) comply with the entry requirements and Competition mechanics;
e) be contactable on the cellphone number submitted during entry; and
f) comply with all other requirements contained in these Terms and Conditions.
9.2 Additional eligibility requirements may apply to specific prizes, including the Station Grand Prizes.
9.3 Where a prize requires the participant to be an Absa account holder, the participant must be a verified Absa account holder and meet Absa’s applicable account and verification requirements.
9.4 Absa reserves the right to verify an entrant’s Absa account status and other relevant information before awarding any prize.
10. VERIFICATION PROCESS
10.1 All shortlisted participants and potential winners will be subject to a verification process before being confirmed as winners.
10.2 The verification process may include, but is not limited to:
a) verification of the participant’s full name and surname;
b) verification of the cellphone number used to enter;
c) verification of the participant’s age;
d) verification of South African citizenship, residency or applicable documentation;
e) verification of Absa account-holder status, where applicable;
f) verification that the participant has complied with the relevant Competition mechanic;
g) verification that the participant is not disqualified under these Terms and Conditions; and
h) any additional verification reasonably required by Absa for the specific prize.
10.3 Participants may be required to provide supporting documentation reasonably requested by Absa for verification.
10.4 A participant will only be confirmed as a winner once the applicable verification process has been successfully completed.
10.5 If a selected participant fails verification, does not provide the required documentation within the required period, is found to have breached these Terms and Conditions, or is otherwise ineligible, Absa reserves the right to disqualify the participant and select a replacement participant or winner.
11. CONTACTING WINNERS
11.1 The applicable radio station and/or Absa or its appointed agency will contact selected participants using the contact details provided during entry.
11.2 Reasonable attempts will be made to contact selected participants.
11.3 If a selected participant cannot be contacted, declines the prize, fails to respond within the required period, or fails the applicable verification process, a replacement participant or winner may be selected.
11.4 This process may be repeated until an eligible and verified winner is identified, where applicable.
11.5 The names and/or details of winners may be announced on the applicable radio station, subject to the applicable consent and privacy requirements.
12. INVALID ENTRIES
12.1 Incomplete, inaccurate, illegible or fraudulent entries will be disqualified.
12.2 Bulk entries, automated entries, entries submitted by third parties on behalf of participants, or entries generated through unauthorised means will not be accepted.
12.3 Absa reserves the right to disqualify any participant who attempts to manipulate, abuse or circumvent the Competition mechanics.
12.4 Any participant found to have submitted fraudulent information or otherwise acted dishonestly may be disqualified and may be required to forfeit any prize already awarded.
13. PUBLICITY
13.1 When winners accept their prizes, Absa may request permission to identify the winners by taking photographs, video footage or other content for promotional purposes, at no fee to the winner.
13.2 Winners have the right to choose whether or not to participate in publicity activities, subject to any separate consent obtained by Absa.
13.3 Where a winner provides the required written consent, Absa may publish the winner’s name, photograph, likeness and/or relevant competition content in advertising, promotional, print, digital, point-of-sale or public relations material for a period determined by Absa and subject to applicable law.
14. PRIZE FULFILMENT
14.1 On-air prize winners will receive communication and confirmation of their prize from the stations and Mediaheads 360 and the applicable requirements for fulfilment following successful verification.
14.2 Prizes will be fulfilled within the standard fulfilment period of 21 working days, unless otherwise communicated or where the nature of the prize requires a longer fulfilment period.
14.3 Grand Prize fulfilment may be subject to additional verification, documentation and administrative requirements.
14.4 Winners may be required to sign documentation reasonably required by Absa in connection with prize fulfilment.
14.5 Once a prize has been fulfilled in accordance with these Terms and Conditions, the result will be regarded as final, subject to applicable law.
15. GENERAL CONDITIONS
15.1 Absa is not obliged to award more than the defined prize applicable to each competition mechanic.
15.2 Prizes may not be transferred or exchanged for cash unless expressly stated otherwise.
15.3 If a prize is supplied by a third party, Absa will not be responsible for any defects, delays or failure by the third-party supplier to fulfil its obligations, subject to applicable law.
15.4 Participants are responsible for any reasonable costs associated with entering the Competition, including applicable data or internet costs. Such costs will not exceed normal standard rates for the method used.
15.5 Absa will not be liable for any direct or indirect loss or damage arising from participation in the Competition, except where such liability cannot lawfully be excluded.
15.6 If Absa cannot continue with the Competition for any reason beyond its reasonable control, or if required to do so by applicable law or regulatory requirements, Absa may amend, suspend or terminate the Competition, subject to applicable law and reasonable notice where required.
15.7 No participant will have any claim against Absa arising from an amendment, suspension or termination of the Competition where such action is taken in accordance with these Terms and Conditions and applicable law.
15.8 The Competition and these Terms and Conditions are governed by the laws of the Republic of South Africa.
15.9 Standard Absa product, account, credit, debit card, Rewards and applicable Banking App terms and conditions continue to apply where relevant.
16. AMENDMENTS TO THE TERMS AND CONDITIONS
16.1 Absa is entitled to amend these Terms and Conditions where reasonably necessary, subject to applicable law and regulatory requirements.
16.2 Amendments may include the addition, deletion or amendment of existing or proposed terms and conditions relating to any aspect of the Competition, including the Competition mechanics, prize structure or Competition Period.
16.3 Any amendment will be communicated through the applicable channels and will become effective on the date determined by Absa, subject to applicable law.
16.4 Participants are responsible for checking the applicable radio stations and Absa’s website for any amendments to the Competition rules.
16.5 Participants who have already been confirmed as winners before an amendment takes effect will remain eligible to receive the prize awarded to them, subject to applicable law and regulatory requirements.
17. MEDIAHEADS 360
17.1 MediaHeads 360 acts solely as the execution agency appointed by Absa for the Absa Brand Campaign 2026.
17.2 MediaHeads 360’s duties are limited to implementing the campaign activities in accordance with Absa’s instructions.
17.3 Absa retains full responsibility and decision-making authority for the Competition, including participant eligibility, verification, disqualification and final prize approval.
17.4 Any disqualification of participants who do not meet the eligibility or verification requirements will be undertaken in accordance with Absa’s instructions and these published Terms and Conditions.
18. ACCEPTANCE
18.1 By participating in the Absa Brand Campaign 2026, participants acknowledge that they have read, understood and accepted these Terms and Conditions.
18.2 Participation in the Competition constitutes acceptance of these Terms and Conditions and any reasonable decisions made by Absa in administering the Competition, subject to applicable law.