What if eFiling shows interest I do not recognise?

Call the bank and match the account number. Do not delete a third-party line because it is inconvenient.

SARS eFiling · 5 min

IT3(b) Interest Certificates — What SARS Already Knows

If the bank sent it to SARS, the gap on your return is a gift to verification.27 September 2026 All articles

What it is

An IT3(b) reports investment income — typically local interest — for a tax year. Download it from the bank or accept the eFiling pre-populate after you check the rand amount.

Multiple accounts

Every South African interest-bearing account can produce a certificate. Add them. The exemption applies to the total, not per bank.

IT3(c) is different

IT3(c) is the capital-gains / dividend-type certificate from a broker. Do not paste an EasyEquities disposal into the interest line.

Questions

What if eFiling shows interest I do not recognise?: Call the bank and match the account number. Do not delete a third-party line because it is inconvenient.

Disclaimer: This is general guidance based on the South African Income Tax Act and published SARS Interpretation Notes as at the 2026/2027 year of assessment (1 March 2026 – 28 February 2027). It is not professional tax advice. Deductibility depends on your facts. Confirm current figures on sars.gov.za before you file.

Find the interest income in your bank statements

Upload bank statements. Taxzi flags lines that may qualify under SARS rules. Mixed shops stay out until you say what they were. You confirm every claim. This is guidance — not a filed return.

Works with FNB, Standard Bank, Absa, Nedbank, Capitec, Investec and Discovery Bank PDF statements.

Check my statement for interest income (free)

3 + 3 free estimates