Now Available to Download
The 2024 NFO Annual Report

It’s a historic day for the NFO as we unveil our inaugural Annual Report. Telling the story of our extremely busy first year, it's a must-read opening chapter.

Our first-ever Annual Report covers achievements including the recovery of over R328 million for financial services consumers and the fielding of 104 791 calls during 2024.
Download The Full Report Here
Welcome to NFO South Africa
The National Financial Ombud Scheme (NFO) is an independent body that resolves complaints brought by consumers against South African financial institutions – for free!

The NFO is recognised as an industry ombud scheme by the Ombud Council (OC/001/24).
About Us
Our Participants
The participants of the NFO comprise companies and institutions from the following financial sectors: Banking, Credit Provision, Non-life Insurance and Life Insurance.

Choose the financial sector relevant to your purposes for a list of participating companies.
View Participants
Complaints Process
Every complaint the NFOs receives is taken seriously. We are committed to ensuring that the lessons learned in our review process are recommended and applied across all participating banks, credit providers, non-life insurers and life insurers.
Complaints Process

Welcome to NFO South Africa

If you have a complaint against your financial services provider, you’re in the right place! The National Financial Ombud Scheme (NFO) is an independent body that resolves complaints brought by consumers against South African financial institutions – for free! The NFO is recognised as an industry ombud scheme by the Ombud Council (OC/001/24).

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Complaints Process

When a complaint is lodged with the NFO, every attempt is made to establish and record whether the complainant should be identified as a “vulnerable complainant”.

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Contact Us

Any consumer with a complaint about their financial services provider may approach the National Financial Ombud Scheme (NFO) for our free assistance.

About NFO

The primary purpose of the National Financial Ombud Scheme (NFO) is to resolve consumer complaints against financial service providers. As an independent organisation, we commit to resolve disputes impartially, speedily, confidentially and in an open, informal and approachable way – at no charge to the complainant.

The financial service providers which participate in the NFO and therefore fall within our jurisdiction comprise:

You can view the full list of participants per division by selecting one of the divisions from the list above.

Lodging a Complaint?

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How to Complain

All of the steps involved to making your complaint.

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Complaints Process

The complaints procedure described in detail.

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FAQ's

FAQ’s from financial services customers/consumers.

Newsroom

Click on the articles below to read our most recent news, to find out more about the work of the NFO, and our involvement. in our corporate social investment initiatives.

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