Can SARS send me my tax number via email?

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If you have forgotten your tax number you can request it from SARS in various ways:

  • Send us a query. Please ensure your details match our records.
  • You can get it on eFiling if you are registered as an eFiler. All you need to do is log on and check your number.
  • You can also request your notice of registration via the MobiApp if you are a registered eFiler.
  • eFiling has been updated to allow taxpayers to request the Notice of Registration (IT150) under the ‘SARS Registered Details’ menu option.
  • Ask Lwazi ChatBot available on eFiling or the SARS MobiApp.
    • Click on the Chatbot icon and type “menu”
    • The Chatbot will the present the Personal Income Tax service offerings:
      1. Request Tax Reference number
      2. Request Statement of Account
      3. Request Return Refund Status
      4. Request Audit Status
      5. Request Notice of Assessment
      6. Request SARS to Call back
    • Tap on menu option 1 or respond by typing “1”
    • The Chatbot will then authenticate your information by asking you for:
      1. your ID/Passport number and
      2. cell number or email

Upon successful verification by SARS, a response will be displayed indicating that your Notice of Registration (IT150) has been successfully generated and the IT150 (notice of registration) will be emailed to you.

  • SARS SMS Channel by sending an SMS to SARS on 47277 from your mobile device.
    • TRN (Space) ID number/Passport number/ Asylum Seeker number
  • SARS USSD Channel by typing, on your mobile device, a string of characters which comprises of an asterisk (*), followed by a few digits and ending with a hashtag (#) and dialling.

Steps on how to request tax services via the SARS USSD Channel

      • Step 1:  Initiate USSD by dialing *134*7277#
      • Step 2:  Select the service you require
      • Step 3:  Taxpayer Verification – SARS will request you to complete either your,ID/Passport/Asylum Number
      • Step 4:  Tax Resolution – Upon successful verification by SARS, a response will be displayed

 

The South African Revenue Service (SARS) typically does not send tax numbers via email for security and privacy reasons. They may send correspondence or notifications related to your tax affairs via email, but they generally do not provide your tax number in this manner.

Your tax number is considered sensitive personal information, and SARS takes measures to protect it. When you apply for a tax number or register for eFiling, you will typically receive your tax number through official SARS channels, such as postal mail or through the eFiling system itself.

To obtain your tax number, you should follow the official application process through SARS, as outlined in the previous response. If you have specific questions about the delivery method of your tax number or any changes in procedures since my last update, it’s advisable to contact SARS directly through their official contact channels or visit their website for the most current information and guidance.

Tax and Insurance in South Africa 2025

Tax and Insurance in South Africa: What You Need to Know in 2025

In South Africa, understanding the relationship between tax and insurance is essential for protecting your financial future and making the most of available tax benefits. Whether you're an individual, a freelancer, or a business owner, the smart use of insurance can help you reduce your tax liability and safeguard your assets.

Why Insurance Matters for Tax in South Africa

Insurance is more than just a safety net—it can also have a direct impact on your tax situation. From medical insurance to business insurance, certain premiums and policies may qualify for deductions or influence how you declare your income and expenses to SARS (the South African Revenue Service).

  • Tax Deductions: Certain insurance premiums, especially related to medical schemes and business cover, may offer tax advantages.
  • Asset Protection: Insurance helps manage risk, ensuring you’re financially secure when unexpected events occur.
  • Estate Planning: Life insurance can play a key role in reducing estate duty and ensuring a smooth transfer of wealth.

Types of Insurance and Their Tax Implications

1. Medical Insurance (Medical Schemes)

If you're contributing to a registered medical aid, you're entitled to a Medical Scheme Fees Tax Credit (MTC). This credit is a fixed amount per month for you and your dependents and reduces your overall tax liability.

2. Life Insurance

While life insurance pay-outs (on death) are generally not subject to income tax, they can be considered when calculating estate duty. Policies structured under a trust or with specific beneficiaries may help reduce the overall tax burden on your estate.

3. Short-Term Insurance (Vehicle, Home, Contents)

Personal short-term insurance is not tax-deductible for individuals. However, if you use part of your home or vehicle for business, the portion of insurance premiums related to business use may be claimed as a business expense.

4. Business Insurance

For companies and self-employed individuals, business insurance premiums—such as professional indemnity, commercial property cover, or key person insurance—are usually tax-deductible as operating expenses.

5. Disability and Income Protection Insurance

The tax treatment of disability insurance changed in recent years. Payouts from income protection insurance are now generally taxed as income, but premiums are not tax-deductible. Understanding this shift is important when planning your cover.

Tax Tips to Maximise Your Insurance Benefits

  • Keep Detailed Records: Always keep documentation of insurance premiums, especially those linked to business or medical expenses.
  • Consult a Tax Practitioner: SARS regulations around insurance and tax can be complex. A registered tax advisor can help ensure you claim all available deductions correctly.
  • Review Policies Annually: Update your insurance portfolio regularly to ensure your cover aligns with your income, expenses, and current tax laws.
  • Use Structuring Wisely: For high-net-worth individuals, structuring life insurance policies within a trust can reduce estate duty exposure.

Frequently Asked Questions: Tax and Insurance in South Africa

Q: Can I deduct life insurance premiums from my South African taxes?
A: No, life insurance premiums are generally not deductible. However, they may play a key role in estate planning.

Q: Are medical aid contributions tax-deductible?
A: Not exactly. Instead, you receive a Medical Tax Credit—a fixed monthly rebate that reduces your tax payable.

Q: Can I claim car insurance as a tax deduction?
A: Only if the vehicle is used for business purposes. You can claim the business-use portion of your vehicle insurance.

Q: Is business insurance tax-deductible in South Africa?
A: Yes. Business insurance premiums related to company operations are generally tax-deductible.

Final Thoughts

In South Africa, insurance isn't just about protection—it's a strategic tool for managing your tax liability, preserving wealth, and supporting long-term financial stability. Whether you’re reviewing your medical insurance, planning your estate, or choosing the right business insurance, it’s essential to understand how these choices affect your tax outcomes.

With the right advice and a well-structured insurance portfolio, you can reduce your tax bill while ensuring comprehensive protection for yourself, your family, or your business.

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