za:ref
zaref / docs / repo-rate-api

South African repo and prime rate API

zaref serves the South African Reserve Bank policy (repo) rate and the prime lending rate as clean JSON, with the SARB source URL, the effective date of the last MPC change and a staleness flag on every response.

Values are re-verified daily against the SARB WebIndicators API. Two related series derive automatically whenever the repo changes: SARS official and prescribed interest rates, and the National Credit Act maximum lawful rates.

Series

GET /v1/repo-prime

SARB repo rate and prime lending rate, with last MPC change date.

$0.005 per call · updates: per SARB MPC meeting (~every 2 months) · effective 2026-05-29 · history at /v1/repo-prime/history ($0.01)
GET /v1/sars-interest-rates

Official rate of interest (fringe benefits, s7C loans), SARS interest on outstanding taxes and refunds, and the prescribed rate of interest for legal and judgment debts.

$0.005 per call · updates: per SARB repo change (formula-linked) + SARS/gazette publications · effective 2026-07-01 · history at /v1/sars-interest-rates/history ($0.01)
GET /v1/nca-max-rates

Maximum lawful interest rates per credit type under NCA Regulation 42 Table A, computed at the current repo rate, plus the in duplum rule and service fee cap.

$0.005 per call · updates: per SARB repo change (margins fixed since 2016) · effective 2026-05-29 · history at /v1/nca-max-rates/history ($0.01)

Calculators

GET /calc/nca-max-rate

Maximum lawful interest rate for a credit agreement under NCA Regulation 42 Table A, at the current or a given repo rate.

Parameters: type, repo, subsequent_loan

$0.01 per call · example: /calc/nca-max-rate?type=unsecured
GET /calc/bond-repayment

Monthly bond repayment and total interest, at the live prime rate by default.

Parameters: amount, years, rate, deposit

$0.01 per call · example: /calc/bond-repayment?amount=1500000&years=20

How agents pay

No account, no API key. Paid endpoints reply HTTP 402 with exact payment requirements; an x402 client pays USDC on Base (about two seconds to settle) and retries automatically. Invalid input is rejected free with a 400 before any payment is challenged. See the x402 quickstart.

Questions

What is the current repo rate in South Africa?
GET /v1/repo-prime returns the current rate with its effective date and SARB citation. zaref re-verifies it daily against the SARB API, so the endpoint always reflects the latest MPC decision.
Does the API include the prime lending rate?
Yes. The same endpoint returns repo_rate_percent and prime_lending_rate_percent together, with the date and context of the last change.
Is historical data available?
GET /v1/repo-prime/history returns dated points that accumulate with every verified change and reconfirmation.

Related

South Africa fuel price API SARS income tax tables API South Africa VAT API and free calculator South African public holidays API ZARONIA rate API