PEACE OF MIND MAKE HAPPEN

Transcription

1 MAKE PEACE OF MIND HAPPEN For more information: visit any Nedbank branch and speak to a consultant; go to nedbank.co.za; call ; or use the Nedbank App Suite TM.

2 CONTENTS Make your money work harder. Affinities and rewards...1 Five steps to great-value banking...3 Building financial fitness...4 MyFinancialLife TM...4 No-funds alert...4 Save...5 JustSave Account...5 Guaranteed Income Plan...5 Day-to-day banking...6 Nedbank Optimum Current Account...6 Other Nedbank accounts...7 At Nedbank we know that you ve put a lot into your life this far. Now it s time to make your money work harder for you. That s why we offer tailored accounts, services and investment opportunities to help you continue living a quality life. Invest...8 Short, medium and long term...9 Nedbank Senior Green Savings Bond...9 Borrow...10 Overdraft...10 Credit cards...11 Insure...12 Nedbank Insurance homeowner s policy...12 Funeral Plan...12 Nedbank Hospital Cash Plan...12 Secure banking, anytime, anywhere...13 Approve-it...13 enote...13 Self-service banking...14 Nedbank App Suite...15 Foreign exchange...16 American Express GlobalTravel Card...16 Foreign banknotes (12/15) - NEDB Foreign Currency Account...17 SWIFT transfers...18 Plan ahead for those you leave behind...19 Join us hassle-free. For free...20 Complaint resolution and the National Credit Act...21

3 AFFINITIES AND REWARDS Support a cause through our Affinity Programme, at no cost to you. 1 NEDBANK AFFINITY PROGRAMME Offering support to a range of community and environmental causes, the Nedbank Affinity Programme comprises the following four affinities you can choose from: The Nedbank Green Affinity Supports conservation and the environment through contributions to the WWF Nedbank Green Trust. The Nedbank Sport Affinity Supports sport development in partnership with The Sports Trust. The Nedbank Children s Affinity Supports needy children in partnership with the Nelson Mandela Children s Fund. The Nedbank Arts Affinity Supports the development of South African arts and culture through the Arts & Culture Trust. Nedbank gives you the opportunity to support an affinity of your choice by opening an affinity-linked savings, credit card, cheque or investment account or by taking out shortterm insurance with Nedbank. For more information please contact our call centre on or visit nedbankarts.co.za, nedbankgreen.co.za, nedbanksport.co.za or nedbankchildren.co.za.

4 NEDBANK GREENBACKS REWARDS PROGRAMME 2 The Nedbank Greenbacks Rewards Programme gives you a whole lot more every time you use your cheque or credit card. Earn Shop Invest Donate Travel Earn one Greenbacks point for every R5 eligible spend on your linked Nedbank cheque or credit card. We even give you double the Greenbacks when you use your Nedbank Greenbacks American Express Cheque or Credit Card. Spend your Greenbacks online with our fabulous partners on a range of goods, including electronics, flowers, wine and home accessories. Or get a free Greenbacks SHOP Card that enables you to spend your Greenbacks like cash at American Express stores anywhere in the world or withdraw cash at ATMs. Become an instant investor by using your Greenbacks to invest in a unit trust or take up to R100 a month off your monthly bank charges. There is no greater reward than the gift of giving. You can use your Greenbacks for a donation to a Nedbank Affinity or select a cause of your choice from a verified list of charities. Use your Greenbacks to pay, in full or in part, for all your travel needs from car hire, accommodation and flights, to cruises and many more. TIP: You can also use your Greenbacks to pay your bank fees. As long as you use your card and pay your account on time, you will continue benefiting from all that your Greenbacks has to offer. For more information on earning and using your Greenbacks visit nedbankgreenbacks.co.za or call or between 08:00 and 17:00 on Monday to Friday and between 08:00 and 13:00 on Saturday.

5 FIVE STEPS TO GREAT- VALUE BANKING Follow these easy steps to achieve your goals: 3 1 Choose the right solutions that suit your needs. 2 Sign up for the Greenbacks Rewards Programme and be rewarded, or support a charity of your choice that is close to your heart, at no cost to you. 3 Use the financial fitness tools to plan, budget and monitor your account. 4 Bank securely at your leisure, anytime, anywhere, with our wide range of online and mobile solutions. Of course you can also take advantage of our extended banking hours. 5 Look out for the highlighted tips to be wiser with your money.

6 BUILDING FINANCIAL FITNESS We re always looking for ways to assist you to achieve your financial goals and aspirations. 4 MyFinancialLife MyFinancialLife is a secure online personal money management tool. You can customise your screen to see all you need in one place. It s so easy and it s for free. Net-worth calculation See all your assets, such as your savings balances, investments, retirement funds and your house, less all that you owe, such as your credit card, bond account and overdraft balances. This is your net worth, and changes in value are automatically updated, making it easy for you to keep tabs on your net worth. Spend analysis By means of easy graphics your card and electronic transactions are categorised so you can see where you re spending and make changes. Budgeting Track your actual spend against your planned spend. Saving for a goal Set your goals (such as a holiday) and then choose the amount you would like to save up in a specific timeframe. This tool calculates how much you should put aside each month. Alerts These keep budgeting or goal-saving on track, and can be sent by or SMS. You can, for instance, choose to receive alerts when 50% of your allowed credit card limit has been reached, so it s even easier to stay on track. Calendar view Track debit orders against payments that need to be made, making it easy to view weekly, monthly or yearly transactions. That way you can always plan to have sufficient funds available. No nasty surprises. Register at myfinanciallife.co.za and, remember, it s free! No-funds alert No-funds alert Get an SMS when you have insufficient funds in your account to pay debit orders. The no-funds alert will also automatically delay any debit orders, and give you up to 32 hours to deposit money into your bank account. This way you can avoid having policies lapse and paying penalty fees, while maintaining a good credit record.

7 SAVE You re never too young or old to save whether for peace of mind in case of an emergency, or for something special like a holiday or spoiling your grandchildren. 5 JUSTSAVE ACCOUNT What does it give you? A savings account. Highly competitive interest rates that add to your savings. R2 a month paid into your savings account if you set up a debit order from your current account. Why is this account right for you? You can access your cash savings with 24 hours notice. You pay no fees or commissions (except for cash deposits). What do you need to open a JustSave Account? An opening deposit of R50. Your green South African identity document or smart identity card. Proof of residence, eg an electricity, a water or a phone account not older than three months. TIP: MyFinancialLife TM can help you achieve your goals. GUARANTEED INCOME PLAN This is made up of a single-premium endowment policy that guarantees to pay out the initial investment at maturity (five years) AND an annuity that pays a guaranteed monthly income stream for 60 months. This plan allows your capital to be preserved while you enjoy a guaranteed monthly income stream. Some of the key features Minimum investment - R Investment term - Five years. Annuity payments - 60 monthly payments in advance. Withdrawal options - One part- or full surrender on the endowment policy only. Taxation - Annuity payments are partially tax-exempt. Tax on the taxable portion will be deducted monthly prior to payment. The capital amount paid at the end of the term is net of all tax. Rates - We offer highly competitive rates every week.

8 6 DAY-TO-DAY BANKING Ensure that you have the right account that suits your needs. THE OPTIMUM CURRENT ACCOUNT This account is designed for clients aged 55 and over. It offers a range of free and included value benefits that allows you to get the best out of your day-to-day banking. Optimum account Maintaining a balance in a Nedbank JustSave Account fixed or notice deposit Above R Below R Debit card Free Free Optimum value MyFinancialLife TM Free Free App Suite Free Free Affinity Free Free SMS Banking Free Free Digital subscription Free Free estatement Free Free enote Credit card Optimum add-ons Greenbacks Rewards Programme Overdraft No-funds alert Pay as you use Pay as you use Key transactions ATM balance enquiry Free Free Nedbank ATM withdrawal Four free per month Pay as you use Over-the-counter withdrawal One free per month Pay as you use Interaccount transfer One free per month Pay as you use Legend: optional additional value-adds

9 OTHER NEDBANK ACCOUNTS 7 Choose the right account to suit your lifestyle. We have the right solution for your everyday banking needs. If the Optimum Account does not offer you the benefits you want, consider a Savvy account. Savvy account Name of account Savvy Bundle Savvy Plus Nedbank Pay-as-you-use User type High-frequency user Medium-frequency user Low-frequency user MyFinancialLife TM Free Free Free Savvy value App Suite Free Free Free SMS Banking Free Free Free Digital subscription enote Domestic airport lounge access Eight visits per person Credit card Savvy add-ons Greenbacks Rewards Programme Overdraft No-funds alert Prepaid electricity and airtime purchase Free Free Free Airtime without Airtime purchase Free Free Free Key transactions Point-of-sale swipe Free Free Free Nedbank ATM withdrawal Four free per month Pay as you use Debit order Pay as you use Legend: included value-adds optional additional value-adds For more information please go to nedbank.co.za or visit a branch to speak to a Nedbank consultant.

10 INVEST We offer a range of investment products that will give you peace of mind. Whether you want to invest over the short, medium or long term, we have the right solution for you. 8 32DAY NOTICE ACCOUNT What does it give you? What do you need to open a 32Day Notice Account? An attractive, secure method of saving funds. Great interest rates rates are tiered so that larger credit balances attract higher rates. Why is this account right for you? This is the ideal account for clients looking for a disciplined savings mechanism. It provides capital security. You pay no fees or commissions. It keeps your money safe from temptation, but requires only 32 days notice for full or partial withdrawal. Additional deposits can be made into this account (minimum of R100/deposit). An opening deposit of only R250. Your green South African identity document or smart identity card. Proof of residence, e.g an electricity, a water or a phone account. Nedbank clients with an internet profile can open this account online. Apply for your 32Day Notice Account at your nearest Nedbank branch or speak to a consultant at our contact centre on for more information. TIP: Open a 32Day Notice Account and support a cause close to your heart the more you invest, the more we donate at no cost to you.

11 SHORT, MEDIUM AND LONG TERM 9 TYPE SHORT TERM MEDIUM TERM LONG TERM PRODUCT Minimum deposit Great rate and capital guarantee No fees or commissions NEDBANK JUSTINVEST NEDBANK MONEYTRADER NEDBANK OPTIMUM PLUS FIXED DEPOSIT NEDBANK EASYACCESS DEPOSIT NEDBANK STEPUP DEPOSIT NEDBANK SENIOR GREEN SAVINGS BOND TAX-FREE SAVINGS ACCOUNT R5 000 R R1 000 R2 000 R1 000 R1 000 R50 ü ü ü ü ü ü ü ü ü ü ü ü ü ü Term Not applicable. Not applicable. 1 to 17 months. 3 to 18 months. 36 months. 18 to 60 months. Not applicable. Notice period 24 hours notice. 24 hours notice. On maturity. Access up to 50% of your funds with 24 hours notice. All funds can be withdrawn quarterly with 24 hours notice. On maturity. 24 hours notice. Legend: ü included NEDBANK SENIOR GREEN SAVINGS BOND LONG TERM The Nedbank Senior Green Savings Bond is the first savings bond in South Africa to offer clients the opportunity to contribute towards the creation and development of the green economy by investing in renewable-energy projects. What does it give you? Capital security. A great interest rate with guaranteed returns. Preferential interest rates for clients of 60 years and older. Interest that is calculated daily and paid monthly, quarterly, half-yearly, annually or on maturity. Why is this account right for you? No fees. Flexibility: For a minimum of R1 000 you can invest for 18, 24, 36 or 60 months. What do you need to apply for a Green Savings Bond? A minimum deposit of R The Nedbank Senior Green Savings Bond is available only to individuals.

12 BORROW Living a wiser lifestyle means always having the right type of credit to meet your needs and to build a good credit record. 10 OVERDRAFT An overdraft facility is a flexible, costeffective, short-term borrowing facility and an excellent way to help you manage unforeseen expenses for life s little surprises, and those tight moments when others may rely on you financially. An overdraft is linked to your current account, so the money is available when you need it. What does it give you? Cost-effective credit. Easy access to your money. Flexible repayment options. Optional Nedbank overdraft assurance to protect you and your family in the event of your retrenchment, death or disability. What do you need to apply for an overdraft? Your green South African identity document or smart identity card. Proof of residence, eg an electricity, a water or a phone account not older than three months. Proof of income such as a salary advice. TIP: You get revolving and non-revolving overdraft facilities. A revolving facility allows you to use money from the facility as you pay it back, while a non-revolving facility is a short-term solution where the limit decreases as you pay back the money over a fixed period. Choose the option that suits your needs best. Terms, conditions and fees apply. All overdrafts and credit are subject to a credit assessment.

13 CREDIT CARDS 11 Nedbank s wide range of credit cards offers you all the convenience of shopping instore or online and is recognised throughout South Africa and internationally. We also offer the Nedbank Greenbacks Rewards Programme, which allows you to earn rewards as you spend. What do our credit cards give you? Up to 55 days interest-free credit on purchases, provided the full outstanding balance is paid by the payment due date. No transaction fees on tillpoint purchases. An extended credit facility that allows for those bigger purchases to be repaid over three to 36 months. One Greenbacks point for every R5 of eligible spend when you link your Nedbank credit card to the Nedbank Greenbacks Rewards Programme. Two Greenbacks for every R5 eligible spend when you use your Nedbank Greenbacks American Express Card. Automatic basic travel insurance when you use your credit card to pay for your travel tickets, with the option to purchase comprehensive cover. Eight free visits to Bidvest Premier Domestic Airport Lounges per calendar year if you are a Platinum Credit Cardmember. Free transactional SMS notification. Optional balance protection insurance to cover your outstanding balance or a portion thereof in the case of disablement, retrenchment or death. Flexible repayment options such as paying in full, paying specific amounts or paying the minimum amount required.

14 INSURE We have a variety of insurance options. Tailor your insurance policies to meet your personal needs. 12 HOMEOWNER S POLICY At Nedbank Insurance we provide benefits to all policyholders regardless of their age. With the homeowner s policy you get the following: Temporary accommodation while your home is being repaired if it s been damaged by fire. R personal-accident cover if you are the bondholder. Personal-accident cover of up to R for your domestic worker. R cover if you have to remove a fallen tree from your property. Up to R for onsite security if there has been a break-in. Up to R cover for burst, leaking or overflowing geysers. Claims can be reported 24/7, 365 days a year, and you also have access to an emergency claim service. Call us on to discuss a premium rate appropriate to your risk profile. FUNERAL PLAN The Nedbank Insurance Funeral Plan will help you take care of tomorrow, so that you can live your life today. Our plan is flexible, giving you the certainty that you and your loved ones will be remembered. You may choose up to R cover for yourself or your spouse/ life partner. From R32,50 you can buy cover of R for yourself, or from R57,00 you can cover yourself, your spouse and up to five children. These premiums are based on you or your spouse not being older than 55 years. Call us on for more information. NEDBANK HOSPITAL CASH PLAN With the Nedbank Hospital Cash Plan you have a hospital benefit for each day spent in hospital. This plan gives you peace of mind during unforeseen circumstances: You ll get a hospital cash benefit of up to R2 500 a day for accidents and illnesses. The hospital benefit is payable from day two of your hospital stay, up to a maximum of 180 days for the duration of your policy. Premiums and benefits increase annually on the policy anniversary. You re covered for life. No medical examination is required. The maximum entry age for the Hospital Plan is 65 years. Call us on to discuss a premium rate appropriate to your risk profile.

15 SECURE BANKING, ANYTIME, ANYWHERE We offer you a secure range of online and mobile banking solutions, making it easier to bank from work or home. 13 APPROVE-IT Nedbank s Approve-it security feature ensures a safer online and mobile banking experience. You can bank with peace of mind, knowing your money is always safe. enote Our SMS notification service keeps you informed about any transactions on your account. Now you know what s happening to your finances, around the clock. Follow us on

16 Pick n Pay and Boxer tillpoints SELF-SERVICE BANKING 14 At Nedbank we know that your time is as precious to you as your money. That s why we offer you a range of self-service banking options. Internet banking Cellphone banking SMS Banking Internet banking Make payments, do interaccount transfers and more. And, with Approve-it, you get an even more secure banking experience, anytime, anywhere. Go to nedbank.co.za. Cellphone banking WAP With Cellphone Banking WAP you control your finances from wherever you are, and you can buy airtime, check balances and do so much more. Go to nedbank.mobi. SMS Banking Provides you with a straightforward menu-driven application that is similar to using an ATM. View your balances, make transfers and buy airtime. Dial *120*001#. Prepaid electricity and airtime Airtime without Airtime Instant payments Nedbank prepaid electricity and airtime Buy prepaid electricity and airtime at your convenience. Use the Nedbank App Suite or internet banking, or dial *120*001#. Airtime without Airtime Stay connected. You can now buy airtime even when you don t have airtime. Simply dial *130*001#. Instant payments This is a quick and safe way to make payments to accounts held with other banks. The recipient will receive money within an hour. Go to nedbank.co.za. Self-service terminals Send-iMali Self-service terminals (SSTs) These electronic devices allow you to do a wide range of banking transactions, but they do not accept deposits or dispense cash. They are easy to use and transactions are more cost-effective than branch transactions, which helps you avoid unnecessary queues and charges. Pick n Pay and Boxer tillpoints These provide you with an easy and convenient way to deposit and withdraw money. Send-iMali TM Need to send money in a hurry? You can now send money to any cellphone in South Africa quickly and safely. The recipient can withdraw the money at any Nedbank ATM, even if he or she doesn t have a bank account. Send money through internet banking or the Nedbank App Suite, or dial *120*001#. My ebills Instant Depositor Video banking My ebills A secure and convenient way to view and pay bills all in one place. DStv and Tshwane, Ekurhuleni and ethekwini muncipalities among those participating. Available on internet and mobile banking. Instant Depositor Cash deposits made at this ATM reflect immediately. Video banking Skip the queue and use video banking. It s a safe and convenient way to interact and do your banking face-to-face with a consultant.

17 NEDBANK APP SUITE Be savvy about the way you bank. Nedbank App Suite gives you access to full-service banking from the comfort of your home, office or holiday destination. 15 Access full-service banking Access a wide range of transactional capabilities, make once-off payments, buy prepaid airtime, add beneficiaries and much more. Calculate repayments and forex Calculate repayments on your vehicle finance, home loans and personal loans as well as forex rates. A table of daily forex rates is available in all the major currencies. Apply now Use the app to apply for a range of Nedbank products, including current accounts, investments and credit cards. Contact us Your app lists all the important Nedbank contact numbers that can be dialled directly from the directory. Trade shares View your portfolio, order book or cost and current prices. It s easy to place or cancel orders and then trade by clicking on buy or sell. Locate branches and ATMs Search and get directions to the branch or ATM nearest to your current location. Access NetBank Business Complete a range of transactions and view balances and statements, authorise payments and make transfers and electronic bill payments. You can even reset your password for added security. Downloading... Download the Nedbank App Suite TM from the Apple Store, Google Play, Blackberry World or from nedbank.mobi for specified Nokia devices.

18 FOREIGN EXCHANGE Choose the right foreign exchange solutions, whether you are traveling, investing or sending money around the world. 16 TRAVEL AMERICAN EXPRESS GLOBALTRAVEL CARD Your safe and convenient travel companion. Be savvy when travelling, with this prepaid, reloadable travel card. You can load US dollar, euro or pound sterling and fix your rate. The American Express GlobalTravel Card can be used at millions of merchants and ATMs abroad and comes with a host of added benefits: Unique Global Assist services offer help abroad. You get a free backup Card in case your primary Card is lost or stolen. Unique travel offers are available at select travel destinations. Your Card is valid for up to five years. FOREIGN BANKNOTES Nedbank Retail Foreign Exchange offers banknotes in all major currencies, which gives you, the traveller, the convenience of instant payment worldwide. For a full range of foreign exchange solutions go to nedbank.co.za. TIP: Exchange rates are fixed on your GlobalTravel Card at the time the funds are loaded. You can lock in the rate and avoid paying currency conversion fees.

19 FOREIGN CURRENCY ACCOUNT Be more savvy with your investments by diversifying your portfolio and hedging against currency fluctuations. 17 FOREIGN INVESTING The Nedbank Foreign Currency Account (FCA) allows you to invest up to R11 million per year in the US dollar (USD), British pound sterling (GBP), or euro (EUR). What are the advantages of holding an FCA? You diversify your investment portfolio by having an account in a foreign currency. You can protect your position against currency fluctuations without having to move funds offshore. What do I need to do to invest? It s easy visit nedbank.co.za or your nearest Nedbank. All you need is: to be 18 years of age or older; to be a registered taxpayer; your identity document; a tax clearance certificate; and proof of residence. Applications are processed within three working days. More information Go to nedbank.co.za or call the Nedbank Foreign Currency Account Desk on +27 (0) You can transfer funds in a foreign currency to an account held at an overseas bank. TIP: Use the Foreign Currency Account to save for future payments to offshore beneficiaries.

20 There may come a time when you are not travelling but want to send money to other parts of the world, perhaps to children and grandchildren. Nedbank can assist you. 18 PAYMENTS SWIFT TRANSFERS (inward/outward) SWIFT is an electronic payment method used to move money between banks and currencies. It is the most common form of transferring payments across the globe. SWIFT is: direct funds are paid directly into a bank account; efficient transfers are value-dated for two days; flexible it can be used for both inward (funds transferred into South Africa) and outward (funds from South Africa to a foreign beneficiary) transactions; safe it is a risk-free and secure method of payment; and adaptable it can be used to pay for imports, foreign subscriptions, hotel and tour bookings and to send gifts or allowances abroad. TIP: Never carry your full allowance in banknotes. Rather carry a range of forex products for added security and peace of mind.

21 PLAN AHEAD FOR THOSE YOU LEAVE BEHIND Nedbank can assist you in ensuring your will and estate planning is up to date. 19 It s something we often postpone and don t like to think about, but a will is crucial to allow life to carry on with the least amount of disruption for those you leave behind. Your Nedbank financial planner will gladly assist you with your will and estate planning. Our planners can help you analyse your financial needs and create an adaptable plan aimed at turning your goals into reality. For more information or to speak to a Nedbank financial planner simply visit your nearest Nedbank. You can also call or visit nedbank.co.za. Remember that, whatever your situation, together with a Nedbank financial planner you can make the most of your personal vision for your financial future and ensure financial stability for your family when you can no longer provide for them. TIP: Nedbank will review your existing will or draft a new one for you. Once you have reached the age of 60, we ll draw up your will free of charge, provided that your estate value is R or more and that Nedbank (Nedgroup Trust) is nominated as the executor of your estate. Having a reputable and experienced executor nominated will give you greater peace of mind.

22 JOIN US HASSLE- FREE. FOR FREE. Start living your savvy life today by switching to Nedbank. Visit any Nedbank, download the Nedbank App Suite TM, go to Nedbank.mobi or nedbank.co.za, or call Savvy reasons why you should join us today Card and document delivery When you open your new account, we ll deliver your card and all the documents right to your door. Hassle-free. For free. Hassle-free switching Account/Salary switching We will move your account and salary payment to Nedbank. Hassle-free. For free. Debit order switching You don t have to worry we will switch all your debit orders. Hassle-free. For free. All loan applications are subject to final credit approval and terms and conditions, including certain income source criteria. Eligible spend for Nedbank Greenbacks excludes cash withdrawals, casino chip purchases, fuel purchases, finance and other card charges, fees or taxes levied by Nedbank or the government, the purchase of travellers cheques or other negotiable instruments, garage card transactions, budget account instalments and interest thereon, insurance premiums and internet transfers or payments from your account. In some instances fees apply. Some products are offered in selected branches only.

23 COMPLAINT RESOLUTION AND THE NATIONAL CREDIT ACT 21 COMPLAINT RESOLUTION To ensure that your complaint is resolved speedily and by the correct department please follow the steps below: Talk to your banker or visit your branch. Log a complaint with our Client Complaint Helpdesk (always obtain a reference number): Tel: [+27 (0) ] Fax: +27 (0) clientfeedback@nedbank.co.za If you are not satisfied, you may contact the Ombudsman for Banking Services: Tel: Website: obssa.co.za Please help us improve our service. We want to Make Great Service Happen! You can now also reach us on Facebook and Twitter or visit our Talk To Us link at nedbank.co.za. THE NATIONAL CREDIT ACT There s no denying the value of credit. It puts experiences and a lifestyle within our reach. Unfortunately, no matter how carefully we plan to manage it, debt can quickly spiral out of control. That s why Nedbank is proud to support the National Credit Act, 34 of 2005 (NCA). Credit bureau information Under the NCA you have free access to your credit history once a year. This means you ll know exactly what your credit record looks like and can check the accuracy thereof at any time. Debt counselling If you, as a Nedbank client, think you are financially overcommitted, please contact your branch or the Nedbank Contact Centre on for an informal debt review. A list of registered debt counsellors is available from the National Credit Regulator s Office on or at ncr.org.za.

24 Make a secure future happen Contact centre Visit any one of the 850 Nedbank branches. Visit one of the 190 Nedbank kiosks in Pick n Pay and Boxer stores. For internet banking and more information go to nedbank.co.za. SMS Banking dial *120*001#. Cellphone Banking WAP go to nedbank.mobi. Nedbank App Suite TM download it from your app store. Although Nedbank s fees have always been reasonable, the NCA now stipulates the maximum initiation and service fees and interest rates for each type of loan agreement. It also specifies that you may be required, depending on the type of loan agreement, to pay: the cost of any extended-warranty agreement; taxes and licence or registration fees; service, default and collection fees; and credit insurance. Nedbank 135 Rivonia Campus 135 Rivonia Road Sandown Sandton 2196 Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and registered credit provider (NCRCP16). FOR MORE INFORMATION PLEASE GO TO nedbank.co.za