2017 Pricing. Terms and conditions apply. Authorised Financial Services Provider Registered Credit Provider Reg No NCRCP7

Transcription

1 2017 Pricing Page 1 Pricing Guide Terms and conditions apply. Authorised Financial Services Provider Registered Credit Provider Reg No NCRCP7

2 Frequently asked questions For any other questions, please call , visit your nearest Absa branch or go to absa.co.za How do transaction fees work? In short, you pay either a fixed fee or a sliding scale fee, which is sometimes called ad valorem. Fixed fee: When you perform account payments at an Absa ATM, you ll pay a fixed fee per transaction, whether you pay R100,00 or R Sliding scale fee: You pay a base fee for the transaction itself plus a fee based on the value of the transaction. For example, if you withdraw R500,00 from a current account at an Absa ATM, you ll pay a R3,95 base fee for the transaction plus R1,35 per R100,00. Therefore the withdrawal will cost R10,70 (R3, x R1,35). What pricing options are there? To get the most out of your banking, choose the product and pricing option that best suit your needs and your pocket and don t forget to relook your options as your needs change. Remember: Doing transactions in a bank that can be done at an ATM or using Online, Mobile or Telephone Banking is more expensive. 1. Pay-as-you-transact This is the standard fee pricing option, where you are charged a standard fee for every transaction you make. 2. Value Bundle You pay an affordable, fixed fee from as little as a month for a set number of transactions and various valueadded services. On the Gold and Platinum Value Bundle, unused transactions roll over to the next month. 3. Prepaid Debit Card With this pricing option, an upfront fee is charged for all credits to the account. No fees are charged for transactions performed using Absa s infrastructure. 4. Rebate Banking You will receive a rebate on the banking fees for certain transactions if you keep a set minimum balance in your transactional, savings or investment account throughout the month. (The amount required differs from account to account.) Where can I find out about the pricing applicable to my account? The pricing on your and all other Absa accounts can be found on the website (absa.co.za). You can also call the Absa Price Line on and we ll be able to explain specific fees and the various pricing options available to you. How do debit orders make my life easier? A debit order is an instruction from you that allows third-party service providers and banks to collect money automatically from your bank account. Customers who choose to use debit orders should always make sure that there is enough money in their account to cover the amount of the debit order. What does tracking a debit order mean? If a debit order is processed and there are insufficient funds available in your account, the third party can try to debit your account again when funds become available. This is commonly referred to as tracking. How can I track my debit orders? To be safe, check that your debit orders have all been processed correctly. If you notice any discrepancy, you can dispute the debit order and claim back the amount taken from your account. You can also register for NotifyMe and receive an SMS notification every time there is a transaction on your account. How can I dispute a debit order? You can dispute a debit order by visiting a branch or going online. If you dispute a debit order within 40 days of the debit order being debited from your account, the amount will be credited to your account immediately. How can I cancel a debit order? You can only cancel a debit order by contacting the service provider directly and instructing them to do so. If the third party continues to collect the debit order from your account after you have cancelled it, you can dispute the debit order or, alternatively, provide Absa with a written stop payment instruction. How can I avoid rejected debit order fees? Arrange for your debit orders to be paid about two days after your salary/wage is deposited into your account. This will ensure you have enough money in your account. Remember, you have the right to choose the date that suits you. What is an electronic funds transfer? It is the transfer of money between accounts linked to your portfolio, for example, transferring money between your current account and savings account. Page 2 Pricing Guide

3 What is a beneficiary payment? It is a transaction used to pay a utility bill (municipal account) or beneficiary whose account is not linked to your portfolio of accounts (i.e. you would pay school fees, an electricity bill or rent using a beneficiary payment transaction). What is an immediate payment? By using our electronic channels you can pay single credit payments in real time to beneficiaries 24 hours a day, seven days a week, 365 days a year. Note: There is a fee payable to make a payment immediate. What is a cardless cash deposit? You can deposit cash at any of our cash-accepting ATMs without using an ATM card. Note: Additional fees will apply. Why should I get estatements? estatements are free, you get them regularly and they are easy to file, save and print. How can I change to estatements? Simply logon to Absa Online (absa.co.za), click on the Profile menu bar and then on Manage estatements. You can also make the change on Telephone Banking or by sending your request to official @absa.co.za What is a Saswitch ATM? Absa does not own Saswitch ATMs, so when you use them, you ll be charged additional fees. If possible, always use an Absa ATM. What is a Barclays ATM transaction? It is a transaction performed at a Barclays ATM, anywhere in the world. Transaction fees for international Barclays ATMs are aligned to those of local Absa ATMs. What is the Global Alliance ATM? The Global Alliance ATM is a joint venture of several major international banks that allows their customers to use their ATM card or debit card at another bank within the Global Alliance ATM at no or reduced fees. As Absa is a Global Alliance partner you can use your debit card to withdraw cash from any of our Global Alliance partners ATMs at reduced rates across the world. Click here for the list of our Alliance partners. absa.co.za/personal/bank/international-banking/foreignatms/ What is a debit card? This card lets you pay for goods or services at retailers where you see the MasterCard or Visa signs. The money is taken off your account immediately. What is an Absa-supported ATM? These ATMs are supported by Absa and are dual-branded, i.e. Absa/Cash Express. Withdrawals made from these ATMs attract higher charges than if you had used an Absa ATM, but lower than those if you had used a Saswitch machine. Disclaimer: Fees quoted in this brochure are valid from 1 January Unless otherwise stated, fees include 14% VAT and are subject to change. Should there be evidence that an individual product or service is used for business purposes, or used in any way that is not allowed by the product terms or conditions, this may result in customers having to pay additional fees, or even the termination of the product or service. In this event Absa Bank is entitled to change the pricing option (for such products and services) by notice, to a pricing option that is the same and similar to business customers. E&OE Page 3 Pricing Guide

4 Contents Basic Banking Transact 5 Daily Banking Flexi Account 7 Flexi Value Bundle 9 Full-value Banking Out of Bundle fees Flexi, Gold, Platinum, Value Bundle, Student Silver, Prosperity and Islamic Banking 10 Gold/Platinum Value Bundle 13 Youth Banking MegaU 15 Student Banking Student Silver 17 Seniors Banking Flexi Account Seniors offering 18 Prosperity 21 Islamic Banking Islamic Youth 22 Islamic Savings 24 Islamic Current Account Value Bundles 27 Savings and Investments TruSave/Depositor Plus/Club Account/Travel Club/ Investment Club 29 Tax-free Savings 31 Money Market Fund 32 Call Account 33 Credit Cards Student, Transact Credit, Gold, Platinum, 35 Products no longer on sale Transactional ActiveSave 44 Mzansi 47 Current Accounts Standard fee or Pay-as-you-transact FlexiSelect, Silver, Potentiate, Gold Senior, Gold, Platinum, Islamic, 24/7, Prosperity, Shared Account and Absa Current Account 49 Packages Silver, Gold and Platinum 52 Rebate Banking Absa Current Account, Gold Senior and Islamic Current Account 53 Management Fee Silver, Gold, Platinum, Platinum Professional, Platinum Medical, 24/7, Islamic Current Account, Prosperity, Potentiate and FlexiSelect 54 EasyFee FlexiSelect, Silver, Platinum, Islamic Current Account and Potentiate 55 Shared Account/Potentiate Value Bundle 56 Savings and Investments Investment Advantage 57 MoneyBuilder 59 Credit Cards Electronic, Silver and Titanium Credit Cards 61 Home Loans 37 International Banking 38 Other offerings Prepaid Debit Card 40 OneTouch 42 Safe custody 43 Mobile Banking Lite 43 Page 4 Pricing Guide

5 Basic Banking Transact Monthly fees Monthly administration fee R4,95 Monthly subscription fees Online, Mobile, Telephone Banking Deposits Cheque deposit: Branch counter R30,00 Cheque deposit: Absa ATM Cash deposit: Branch counter R8,00 + R1,55/R100 (min R30,00) Cash deposit: Absa ATM R3,95 + R1,35/R100 Cardless cash deposit: Cash acceptor R6,00 + R1,55/R100 Cash withdrawals Branch counter + R1,60/R100 Absa ATM/Barclays ATM R5,00 Point of sale (POS) R1,15 Absa-supported ATM R5,00 Saswitch ATM/Post Office terminal R8,50 Overseas ATM/POS (1) R50,00 Global Alliance Partners R35,00 Purchases Prepaid Top-up at Absa ATM, POS, Online, Mobile, Telephone (IVR) R1,15 Prepaid Top-up at Absa-supported ATM R4,15 Prepaid Top-up at Saswitch ATM R7,15 POS local/overseas (1) Account payments and funds transfers Account payments Absa ATM Online/Mobile Telephone (IVR) Immediate interbank payments Online, Mobile, Telephone (IVR) Debit and stop orders Internal debit orders External debit orders Stop orders Funds transfers Absa ATM, Online, Mobile, Telephone (IVR) R3,50 R2,00 R7,50 R14,50 R62,00 R3,50 R7,00 CashSend Absa ATM, Mobile, Online R8,50 Page 5 Pricing Guide

6 Transact Balance enquiries Branch counter R6,25 Absa ATM/Barclays ATM/Absa-supported ATM/POS Saswitch ATM/Post Office terminal R6,25 Online, Mobile, Telephone (IVR) Telephone Adviser-assisted R6,25 Statement fees Absa ATM ministatement R6,25 Absa CAT terminal full statement R12,50 Branch counter full statement R25,00 Mailed statement R25,00 estatement (2) Transaction history Enquiry Online, Mobile, Telephone (IVR) (3) Enquiry Telephone Adviser-assisted (3) Archived statements/tax certificate Online Copies of statements (per statement) Less than 4 months old 4 months or older Administration fees R25,00 R5,50 per statement R25,00 Bank cheque R100,00 Stop payments Branch, Telephone Adviser-assisted Online Stop order establishment/amendment fee Branch, Online, Telephone Adviser-assisted R30,00 Special clearance R100,00 Debit card replacement fee R120,00 Debit card Face-to-face delivery R175,00 Other fees Notification fee (SMS or ) R0,55 Dishonoured/Returned payment Notice of payment (Online, Mobile, Telephone) SMS Fax R1,00 R1,00 R10,00 Absa Online notifications (includes RVN, TVN, logon alert) SMS Declined fee (insufficient funds) (4) Returned cheque deposit Notes: 1. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa. 2. Customers can register for estatements by logging onto Absa Online and clicking on the Profile menu bar and then on Manage estatements, or via Telephone Banking or by sending their request to official @absa.co.za 3. An additional fee of R2,00 is applicable if request is ed or R10,00 for fax. 4. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS. Page 6 Pricing Guide

7 Daily Banking Flexi Account Monthly fees Monthly administration fee R16,00 Monthly subscription fees Online, Mobile, Telephone Banking Deposits Cheque deposit: Branch counter R30,00 Cheque deposit: Absa ATM Cash deposit: Branch counter R8,00 + R1,55/R100 (min R30,00) Cash deposit: Absa ATM R3,95 + R1,35/R100 Cardless cash deposit: Cash acceptor R6,00 + R1,55/R100 Cash withdrawals Branch counter + R1,60/R100 Absa ATM/Barclays ATM R3,95 + R1,35/R100 Point of sale (POS) R3,95 Absa-supported ATM R6,95 + R1,35/R100 Saswitch ATM/Post Office terminal R9,95 + R1,35/R100 Overseas ATM/POS (1) R50,00 Global Aliance Partners R35,00 Purchases Prepaid Top-up at Absa ATM, POS, Online, Mobile, Telephone (IVR) R1,15 Prepaid Top-up at Absa-supported ATM R4,15 Prepaid Top-up at Saswitch ATM R7,15 POS local / overseas (1) R2,65 Account payments and funds transfers Account payments Absa ATM, Online, Mobile, Telephone (IVR) Immediate interbank payments Online, Mobile, Telephone (IVR) Debit and stop orders Internal debit orders External debit orders Stop orders Funds transfers Absa ATM, Online, Mobile, Telephone (IVR) CashSend Absa ATM, Online, Mobile R7,50 R14,50 R62,00 R8,50 R7,00 R7,95 + R1,35/R100 Page 7 Pricing Guide

8 Flexi Account Balance enquiries Branch counter R6,25 Absa ATM/Barclays ATM R1,50 POS R1,00 Absa-supported ATM R4,00 Saswitch ATM/Post Office terminal R6,25 Overseas ATM/POS R6,25 Online, Mobile, Telephone (IVR) Telephone Adviser-assisted R6,25 Statement fees Absa ATM ministatement R6,25 Absa CAT terminal full statement R12,50 Full statement: Branch counter R25,00 Mailed statement R25,00 estatement (2) Transaction history Enquiry Online, Mobile, Telephone (IVR) (3) Enquiry Telephone Adviser-assisted (3) Archived statements/tax certificate Online Copies of statements (per statement) Less than 4 months old 4 months or older Administration fees R25,00 R5,50 per statement R25,00 Bank cheque R100,00 Stop payments Branch, Telephone Adviser-assisted Online Stop order establishment/amendment fee Branch, Online, Telephone Adviser-assisted R30,00 Special clearance R100,00 Debit card replacement fee R120,00 Debit card Face-to-face delivery R175,00 Other fees Notification fee (SMS or ) R0,55 Dishonoured/Returned payment R6,50 Notice of payment (Online, Mobile, Telephone) SMS Fax R1,00 R1,00 R10,00 Absa Online notifications (includes RVN, TVN, logon alert) SMS Declined fee (insufficient funds) (4) R5,50 Returned cheque deposit R100,00 Notes: 1. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa. 2. Customers can register for estatements by logging onto Absa Online and clicking on the Profile menu bar and then on Manage estatements, or via Telephone Banking or by sending their request to official @absa.co.za 3. An additional fee of R2,00 is applicable if request is ed or R10,00 for fax. 4. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS. Page 8 Pricing Guide

9 Flexi Value Bundle With the Flexi Value Bundle, we offer you a selection of transactions free of charge for a low monthly fee of. Flexi Value Bundle Monthly fees Monthly service fee Monthly subscription fees Online, Mobile, Telephone Banking Transactions included Cash withdrawals Absa ATM, Barclays ATM 3 Debit card purchases and withdrawals Debit and cheque card purchases Unlimited Point-of-sale (POS) cash withdrawals Electronic account and beneficiary payments Account payments via Absa ATM, Online, Mobile, Telephone (IVR) 11 External debit orders Funds transfers and internal payments Funds transfers via Absa ATM, Online, Mobile, Telephone (IVR) Unlimited Internal debit orders Stop orders Electronic information enquiries Statement Absa ATM (mini), Online and Telephone (IVR) Unlimited Balance enquiries Absa ATM, Barclays ATM, POS, Online, Mobile and Telephone (IVR) Notification (SMS or ) estatement (1) Additional features Funeral cover R5 000 All other transactions not included in the above list or where transactions are on specific limits, will be charged Out of Bundle fees as reflected on the Pay-as-you-transact pricing table on page 10. Note: 1. Customers can register for estatements by logging onto Absa Online and clicking on the Profile menu bar and then on Manage estatements, or via Telephone Banking or by sending their request to official @absa.co.za Note: The following Online, Mobile and Telephone Banking transactions will generate a separate fee (in addition to the monthly service fee) on Value Bundles: Archived statements Immediate interbank payments Notice of payments (fax, and SMS) CashSend Tax certificates Stop payments of cheques and debit orders. Page 9 Pricing Guide

10 Full-value Banking Out of Bundle fees Flexi, Gold, Platinum, Value Bundle, Student Silver, Prosperity and Islamic Value Bundles Pay-as-you-transact Monthly fees Prosperity monthly account fee R42,00 Monthly subscription fees Online, Mobile, Telephone Banking Deposits Cheque deposit: Branch counter R30,00 Cheque deposit: Absa ATM Cash deposit: Branch counter R8,00 + 1,55% of deposit value (min R30,00) Cash deposit: Absa ATM R3,95 + R1,35/R100 Cardless cash deposit: Cash acceptor R6,00 + 1,55% of deposit value Cash withdrawals Branch counter + R1,60/R100 Absa ATM/Barclays ATM R3,95 + R1,35/R100 Point of sale (POS) R3,95 Absa-supported ATM R6,95 + R1,35/R100 Saswitch ATM R9,95 + R1,35/R100 Overseas ATM/POS (1) R50,00 Global Alliance Partners R35,00 Cheque encashment + R1,60/R100 Plus cheque issued fee Purchases Prepaid Top-up at Absa ATM, POS, Online, Mobile, Telephone (IVR) R1,15 Prepaid Top-up at Absa-supported ATM R4,15 Prepaid Top-up at a Saswitch ATM R7,15 POS local/overseas (1) R3,85 Account payments and funds transfers Account payments Absa ATM, Online, Mobile, Telephone (IVR) Immediate interbank payments Online, Mobile, Telephone (IVR) Debit and stop orders Internal debit orders External debit orders Stop orders Funds transfers Absa ATM, Online, Mobile, Telephone (IVR) R7,50 R14,50 R62,00 R16,95 R7,00 CashSend Absa ATM, Online, Mobile R7,95 + R1,35/R100 Cheque issued (2) R75,00 Page 10 Pricing Guide

11 Pay-as-you-transact Balance enquiries Branch counter R6,25 Absa ATM/Barclays ATM R1,50 POS R1,00 Absa-supported ATM R4,00 Saswitch ATM/Overseas ATM/POS R6,25 Online, Mobile, Telephone (IVR) Telephone Adviser-assisted R6,25 Statement fees Absa ATM ministatement R6,25 Absa CAT terminal full statement R12,50 Full statement: Branch counter R25,00 Mailed statement (3) R25,00 estatement (4) Transaction history Enquiry Online, Mobile, Telephone (IVR) (5) Enquiry Telephone Adviser-assisted (5) Archived statements/tax certificate Online Copies of statements (per statement) Less than 4 months old 4 months or older Administration fees R25,00 R5,50 per statement R25,00 Bank cheque/marked cheque R100,00 Stop payments Branch, Telephone Adviser-assisted Online Stop order establishment/amendment fee Branch, Online, Telephone Adviser-assisted R30,00 Special clearance R100,00 Debit card replacement fee R120,00 Debit card Face-to-face delivery R175,00 Cheque card replacement fee/new card fee R120,00 Other fees Notification fee (SMS or ) R0,55 Overdraft ledger fee (pm) (6) For the overdraft provision on your account: - Overdraft up to R250 - Overdraft over R250 R68,40 Unauthorised debit balance fee (7) R100,00 Honouring fee (8) R50,00 Dishonoured/Returned payment (9) R50,00 Notice of payment (Online, Mobile, Telephone) SMS Fax R1,00 R1,00 R10,00 Absa Online notifications (includes RVN, TVN, logon alert) SMS Page 11 Pricing Guide

12 Pay-as-you-transact Other fees Declined fee (insufficient funds) (10) R5,50 Returned cheque deposit R100,00 Notes: 1. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa. 2. Only applicable to accounts that allow cheques to be issued. 3. For Student Silver monthly mailed statements are free of charge. 4. Customers can register for estatements by logging onto Absa Online and clicking on the Profile menu bar and then on Manage estatements, or via Telephone Banking or by sending their request to official @absa.co.za 5. An additional fee of R2,00 is applicable if request is ed or R10,00 for fax. 6. Overdraft ledger fees and unauthorised debit balance fees will not be charged on Student Silver. 7. An unauthorised debit balance fee is attracted when an account without an approved limit goes into a debit position. 8. A honouring fee will be charged for each transaction paid against uncleared funds or when we allow payments in excess of the available funds on the account. 9. Increasing to R150,00 per transaction from the 4 th occurrence within 12 months. Cheques that are unpaid will be levied a flat fee of R150,00 from the first occurrence. Flexi Value Bundle Account will attract R6,50 from the first occurrence. 10. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS. Page 12 Pricing Guide

13 Gold/Platinum Value Bundles With the Value Bundle pricing option we offer you a selection of transactions for a low monthly fee. When you ve used all the transactions in your bundle, you will pay Out of Bundle fees as per the pricing table on page 10. Transactions as allocated in your Value Bundle will roll over for one month if not used. You can get a 50% discount on your monthly fee if you maintain a set positive balance in your account. Furthermore, if your spouse chooses to take up a Gold or Platinum Value Bundle he/she qualifies for a 50% discount on his/her monthly fee. You get free monthly subscriptions to NotifyMe, as well as Online, Telephone and Mobile Banking. Monthly fees Gold Value Bundle Monthly service fee R98,00 R159,00 Discounted monthly service fee: For maintaining a balance of: - more than R = 50% discount; or - more than R = 50% discount R49,00 Platinum Value Bundle R79,50 Monthly subscription fees Online, Mobile, Telephone Banking DragonPass monthly fee (optional) (1) R59,00 Transactions included Absa ATM cash deposits Cash deposit: Absa ATM Cash deposit: Cash acceptor 5 5 Cardless cash deposit: Cash acceptor Absa ATM cash withdrawals Cash withdrawals Absa ATM, Barclays ATM 5 7 Debit card purchases and withdrawals Debit and cheque card purchases Unlimited Unlimited Point-of-sale (POS) cash withdrawals Electronic account and beneficiary payments Account payments via Absa ATM, Online, Mobile, Telephone (IVR) Unlimited Unlimited External debit orders Funds transfers and internal payments Funds transfers via Absa ATM, Online, Mobile, Telephone (IVR) Unlimited Unlimited Internal debit orders Stop orders Electronic information enquiries Statement Absa ATM (mini), Online and Telephone (IVR) Unlimited Unlimited Balance enquiries Absa ATM, Barclays ATM, POS, Online, Mobile and Telephone (IVR) Notification fee (SMS or ) estatement (2) Roll-over of unused transactions (3) 1 month 1 month Take-me-Home service 6 pa 8 pa Additional features Spouse discount on monthly service fees 50% 50% Lump sum death benefit R R Page 13 Pricing Guide

14 All other transactions not included in the above list or transactions done in excess of specific limits, will be charged Out of Bundle feesas reflected on the Pay-as-you-transact pricing table on page 10. Notes: 1. The first 5 visits per annum via DragonPass are included in the monthly fee. Visits in excess of 5 will be charged at the lounge at a fixed rand value of R160,00 at domestic lounges and R300,00 at international lounges. 2. Customers can register for estatements by logging onto Absa Online and clicking on the Profile menu bar and then on Manage estatements, or via Telephone Banking or by sending their request to official @absa.co.za 3. Unused transactions for the current month will be added to the next month s transaction limits (i.e. a Gold Value Bundle customer who only uses 2 ATM withdrawals will have 8 ATM transactions in the following month). Note: The following Online, Mobile and Telephone Banking transactions will generate a separate fee (in addition to the monthly service fee) on Value Bundles: Archived statements Immediate interbank payments Notice of payments (fax, and SMS) CashSend Tax certificates Stop payments of cheques or debit orders. Page 14 Pricing Guide

15 Youth Banking MegaU Monthly fees Monthly administration fee Monthly subscription fees Online, Mobile, Telephone Banking Deposits Cheque deposit: Branch counter R30,00 Cheque deposit: Absa ATM Cash deposit: Branch counter (1) R8,00 + R1,55/R100 (min R30,00) Cash deposit: Absa ATM First R500 at no charge, thereafter R1,35 per R100 Cardless cash deposit: Cash acceptor First R500 at no charge, thereafter R1,55 per R100 Cash withdrawals Branch counter + R1,60/R100 Absa ATM/Barclays ATM Point of sale (POS) R3,95 Absa-supported ATM R5,00 Saswitch ATM/Post Office terminal R8,50 Overseas ATM/POS (2) R50,00 Global Alliance Partners R35,00 Purchases Prepaid Top-up at Absa ATM, POS, Online, Mobile, Telephone (IVR) Prepaid Top-up at Absa-supported ATM R4,15 Prepaid Top-up at Saswitch ATM R7,15 POS local/overseas (2) Account payments and funds transfers Account payments Absa ATM, Online, Mobile, Telephone (IVR) Immediate interbank payments Online, Mobile, Telephone (IVR) Debit and stop orders Internal debit orders External debit orders Stop orders Funds transfers Absa ATM, Online, Mobile, Telephone (IVR) CashSend Absa ATM Online, Mobile R7,50 R14,50 R62,00 R8,50 R7,00 R8,50 R7,95 + R1,35/R100 Page 15 Pricing Guide

16 MegaU Balance enquiries Branch counter R6,25 Absa ATM/Barclays ATM POS R1,00 Absa-supported ATM R4,00 Saswitch ATM/Post Office terminal/overseas ATM/POS R6,25 Online, Mobile, Telephone (IVR) Telephone Adviser-assisted R6,25 Statement fees Absa ATM ministatement R2,50 Absa CAT terminal full statement R12,50 Full statement: Branch counter R25,00 Mailed statement R25,00 estatement (3) Transaction history Enquiry Online, Mobile, Telephone (IVR) (4) Enquiry Telephone Adviser-assisted (4) Archived statements/tax certificate Online Copies of statements (per statement) Less than 4 months old 4 months or older Administration fees R25,00 R5,50 per statement R25,00 Bank cheque R100,00 Stop payments Branch, Telephone Adviser-assisted Online Stop order establishment/amendment fee Branch, Online, Telephone Adviser-assisted R30,00 Special clearance R100,00 Debit card replacement fee R120,00 Debit card Face-to-face delivery R175,00 Other fees Notification fee (SMS or ) Dishonoured/Returned payment R6,50 Notice of payment (Online, Mobile, Telephone) SMS Fax R1,00 R1,00 R10,00 Absa Online notifications (includes RVN, TVN, logon alert) SMS Declined fee (insufficient funds) (5) R5,50 Returned cheque deposit R100,00 Notes: 1. if deposit is less than R500, A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa. 3. Customers can register for estatements by logging onto Absa Online and clicking on the Profile menu bar and then on Manage estatements, or via Telephone Banking or by sending their request to official @absa.co.za 4. An additional fee of R2,00 is applicable if request is ed or R10,00 for fax. 5. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS. Page 16 Pricing Guide

17 Student Banking EasyFee The default pricing option on Student Silver is the EasyFee pricing option. With this option you can perform an unlimited number of selected transactions through our self-service channels for a fixed fee of R22,50 a month. Student Silver Monthly fee Number of transactions included R22,50 Unlimited For Student Silver, there are no monthly subscription fees for NotifyMe and Online, Mobile and Telephone Banking. Most fees for transactions performed on these channels are included in the monthly service fee. Charges will be levied for immediate interbank payments, notice of payments or reminders, archived statements and tax certificates. Transactions catered for in EasyFee The monthly fee includes any combination of the following day-to-day transactions performed on any electronic channel (Absa ATM, Online/Mobile/Telephone Banking [IVR]): Absa and Barclays ATM cash withdrawals Absa ATM cash deposits (1) Absa and Barclays ATM balance enquiries and ministatements CashSend at an Absa ATM Electronic funds transfers Account payments Point-of-sale purchases and cash withdrawals (local) Debit orders and stop orders. All other transactions not included in the above list (e.g. Saswitch transactions, branch counter transactions) will be charged Out of Bundle fees as reflected on the Pay-as-you-transact pricing table on page 10. For Student Silver, monthly mailed statements and estatements (1) are free of charge. Note: 1. Excludes cardless cash deposits. Customer can register for estatements by logging onto Absa Online and clicking on the Profile menu bar and then on Manage estatements, or via Telephone Banking or by sending their request to official @absa.co.za Page 17 Pricing Guide

18 Seniors Banking Flexi Account (Seniors offering) Pricing options Seniors Rebate Banking (1) minimum balance R5 000 Monthly fees Monthly administration fee R16,00 Monthly subscription fees Online, Mobile, Telephone Banking Deposits Cheque deposit: Branch counter R30,00 Cheque deposit: Absa ATM Cash deposit: Branch counter R8,00 + R1,55/R100 (min R30,00) Cash deposit: Absa ATM R3,95 + R1,35/R100 Cardless cash deposit: Cash acceptor R6,00 + R1,55/R100 Cash withdrawals Branch counter + R1,60/R100 Absa ATM/Barclays ATM R3,95 + R1,35/R100 Point of sale (POS) R3,95 Absa-supported ATM R6,95 + R1,35/R100 Saswitch ATM/Post Office terminal R9,95 + R1,35/R100 Overseas ATM/POS (2) R50,00 Global Alliance Partners R35,00 Purchases Prepaid Top-up at Absa ATM, POS, Online, Mobile, Telephone (IVR) R1,15 Prepaid Top-up at Absa-supported ATM R4,15 Prepaid Top-up at Saswitch ATM R7,15 POS local R2,65 POS overseas (2) R2,65 Account payments and funds transfers Account payments Absa ATM Online, Mobile, Telephone (IVR) Immediate interbank payments Online, Mobile, Telephone (IVR) Debit and stop orders Internal debit orders External debit orders Stop orders R7,50 R7,50 R14,50 R62,00 R8,50 Page 18 Pricing Guide

19 Flexi Account (Seniors offering) Account payments and funds transfers Funds transfers Absa ATM Online, Mobile, Telephone (IVR) CashSend Absa ATM Online, Mobile Balance enquiries R7,00 R7,95 + R1,35/R100 R7,95 + R1,35/R100 Branch counter R6,25 Absa ATM/Barclays ATM R1,50 POS R1,00 Absa-supported ATM R4,00 Saswitch ATM/Post Office terminal/overseas ATM/POS R6,25 Online, Mobile, Telephone (IVR) Telephone Adviser-assisted R6,25 Statement fees Absa ATM ministatement R6,25 Absa CAT terminal full statement R12,50 Full statement: Branch counter R25,00 Mailed statement R25,00 estatement (3) Transaction history Enquiry Online, Mobile, Telephone (IVR) (4) Enquiry Telephone Adviser-assisted (4) Archived statements/tax certificate Online Copies of statements (per statement) Less than 4 months old 4 months or older Administration fees R25,00 R5,50 per statement R25,00 Bank cheque R100,00 Stop payments Branch, Telephone Adviser-assisted Online Stop order establishment/amendment fee Branch, Online, Telephone Adviser-assisted R30,00 Special clearance R100,00 Debit card replacement fee R120,00 Debit card Face-to-face delivery R175,00 Page 19 Pricing Guide

20 Flexi Account (Seniors offering) Other fees Notification fee (SMS or ) R0,55 Dishonoured/Returned payment R6,50 Notice of payment (Online, Mobile, Telephone) SMS Fax R1,00 R1,00 R10,00 Absa Online notifications (includes RVN, TVN, logon alert) SMS Declined fee (insufficient funds) (5) R5,50 Returned cheque deposit R100,00 Notes: 1. Fees shaded indicate that no charge will be levied on this transaction when the minimum monthly account balance of R5 000 is maintained throughout the month. This option is only available to our senior customers (aged 55 or over). 2. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa. 3. Customers can register for estatements by logging onto Absa Online and clicking on the Profile menu bar and then on Manage estatements, or via Telephone Banking or by sending their request to official @absa.co.za 4. An additional fee of R2,00 is applicable if request is ed or R10,00 for fax. 5. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS. Page 20 Pricing Guide

21 Prosperity The Prosperity Account is one of the most affordable ways to bank if you are 55 years and older and earn more than R2 000 a month. If you can afford to maintain a credit balance in your current account or invest a minimum of R15 000, you have access to Prosperity Rebate Banking, where you receive an up to R500,00 rebate amount on your daily banking transactions. As a Prosperity customer, you also qualify for additional interest rate benefits on a selection of our investment accounts. Rebate Banking Minimum monthly account balance R Maximum rebate amount R500,00 Minimum balance to be maintained in the current account or in one of the following investments with Absa to qualify for rebates: Credit balance in current account 12-month (or longer) Fixed Deposit 12- to 18-month Bonus Deposit Linked Rate Deposit MoneyBuilder Money Market Fund Investment Advantage Depositor Plus TruSave Notice Select Tax-free Savings Dynamic Fixed Deposit R R R R R R R R R R R R Prosperity customers will receive a rebate amount on most transactional charges on Online, Telephone and Mobile Banking. Charges will be levied for immediate interbank payments, notice of payments or reminders, archived statements, CashSend and tax certificates. Transactions exempt with Rebate Banking Transaction types Monthly fees Monthly account fee Deposits Cheque deposit: Branch counter/absa ATM Cash deposit: Branch counter/absa ATM Cash withdrawals Branch counter Absa ATM, Barclays ATM Point of sale (POS) local Account payments Account payments Absa ATM Debit orders and stop orders Internal debit orders External debit orders Stop orders Purchases Prepaid Top-up: Absa ATM/POS POS local Funds transfers Branch counter Absa ATM Balance enquiries Absa ATM/Barclays ATM Statement fees Absa ATM ministatement Mailed statement Other fees Notification fee (SMS or ) Cheque encashment Cheques issued Chequebooks All other transactions not included in the above list (e.g. Saswitch transactions) will be charged Out of Bundle fees as reflected on the Pay-as-you-transact pricing table on page 10 Page 21 Pricing Guide

22 Islamic Banking Islamic Youth Monthly fees Monthly administration fee Monthly subscription fees Online, Mobile, Telephone Banking Deposits Cheque deposit: Branch counter R30,00 Cheque deposit: Absa ATM Cash deposit: Branch counter (1) R8,00 + R1,55/R100 (min R30,00) Cash deposit: Absa ATM First R500 at no charge, thereafter R1,35 per R100 Cardless cash deposit: Cash acceptor First R500 at no charge, thereafter R1,55 per R100 Cash withdrawals Branch counter + R1,60/R100 Absa ATM/Barclays ATM Point of sale (POS) R3,95 Absa-supported ATM R5,00 Saswitch ATM/Post Office terminal R8,50 Overseas ATM/POS (2) R50,00 Global Alliance Partners R35,00 Purchases Prepaid Top-up at Absa ATM, POS, Online, Mobile, Telephone (IVR) Prepaid Top-up at Absa-supported ATM R4,15 Prepaid Top-up at Saswitch ATM R7,15 POS local POS overseas (2) R50,00 Account payments and funds transfers Account payments Absa ATM, Online, Mobile, Telephone (IVR) Immediate interbank payments Online, Mobile, Telephone (IVR) Debit and stop orders Internal debit orders External debit orders Stop orders Funds transfers Absa ATM, Online, Mobile, Telephone (IVR) CashSend Absa ATM Online, Mobile R7,50 R14,50 R62,00 R8,50 R7,00 R8,50 R7,95 + R1,35/R100 Page 22 Pricing Guide

23 Islamic Youth Balance enquiries Branch counter R6,25 Absa ATM/Barclays ATM POS R1,00 Absa-supported ATM R4,00 Saswitch ATM/Post Office terminal/overseas ATM/POS R6,25 Online, Mobile, Telephone (IVR) Telephone Adviser-assisted R6,25 Statement fees Absa ATM ministatement R2,50 Absa CAT terminal full statement R12,50 Full statement: Branch counter R25,00 Mailed statement R25,00 estatement (3) Transaction history Enquiry Online, Mobile, Telephone (IVR) (4) Enquiry Telephone Adviser-assisted (4) Archived statements/tax certificate Online Copies of statements (per statement) Less than 4 months old 4 months or older Administration fees R25,00 R5,50 per statement R25,00 Bank cheque R100,00 Stop payments Branch, Telephone Adviser-assisted Online Stop order establishment/amendment fee Branch, Online, Telephone Adviser-assisted R30,00 Special clearance R100,00 Debit card replacement fee R120,00 Debit card Face-to-face delivery R175,00 Other fees Notification fee (SMS or ) Dishonoured/Returned payment R6,50 Notice of payment (Online, Mobile, Telephone) SMS Fax R1,00 R1,00 R10,00 Absa Online notifications (includes RVN, TVN, logon alert) SMS Declined fee (insufficient funds) (5) R5,50 Returned cheque deposit R100,00 Notes: 1. if deposit is less than R500, A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa. 3. Customers can register for estatements by logging onto Absa Online and clicking on the Profile menu bar and then on Manage estatements, or via Telephone Banking or by sending their request to official @absa.co.za 4. An additional fee of R2,00 is applicable if request is ed or R10,00 for fax. 5. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS. Page 23 Pricing Guide

24 Islamic Savings This is a Shari ah-compliant transactional savings account that provides you with a pre-agreed profit-share ratio and a card that you can use to access your funds at any time via ATMs or Absa branches. There is no minimum or maximum investment period. You can do all types of electronic payments and transfers, and if you have R or more in your account, certain transaction fees will be waived. A minimum initial deposit of R50,00 is required to open the account and a minimum balance of R50,00 must be maintained. Islamic Savings Pricing options Standard fee Rebate Banking (1) minimum balance R Monthly fees Monthly administration fee R22,00 Monthly subscription fees Online, Mobile, Telephone Banking Deposits Cheque deposit: Branch counter R30,00 Cheque deposit: Absa ATM Cash deposit: Branch counter R8,00 + R1,55/R100 (min R30,00) Cash deposit: Absa ATM R3,95 + R1,35/R100 Cardless cash deposit: Cash acceptor R6,00 + R1,55/R100 Cash withdrawals Branch counter + R1,60/R100 Absa ATM/Barclays ATM R3,95 + R1,35/R100 Point of sale (POS) R3,95 Absa-supported ATM R6,95 + R1,35/R100 Saswitch ATM/Post Office terminal R9,95 + R1,35/R100 Overseas ATM/POS (2) R50,00 Global Alliance Partners R35,00 Purchases Prepaid Top-up at Absa ATM, POS, Online, Mobile, Telephone (IVR) R1,15 Prepaid Top-up at Absa-supported ATM R4,15 Prepaid Top-up at Saswitch ATM R7,15 POS local/overseas (2) R3,85 Account payments and funds transfers Account payments Absa ATM Online, Mobile, Telephone (IVR) Immediate interbank payments Online, Mobile, Telephone (IVR) Debit and stop orders Internal debit orders External debit orders Stop orders R7,50 R7,50 R14,50 R62,00 R8,50 Page 24 Pricing Guide

25 Islamic Savings Account payments and funds transfers Funds transfers Absa ATM Online, Mobile, Telephone (IVR) CashSend Absa ATM Online, Mobile Balance enquiries R7,00 R7,95 + R1,35/R100 R7,95 + R1,35/R100 Branch counter R6,25 Absa ATM/Barclays ATM R1,50 POS R1,00 Absa-supported ATM R4,00 Saswitch ATM/Post Office terminal/overseas ATM/POS R6,25 Online, Mobile, Telephone (IVR) Telephone Adviser-assisted R6,25 Statement fees Absa ATM ministatement R6,25 Absa CAT terminal full statement R12,50 Full statement: Branch counter R25,00 Mailed statement R25,00 estatement (3) Transaction history Enquiry Online, Mobile, Telephone (IVR) (4) Enquiry Telephone Adviser-assisted (4) Archived statements/tax certificate Online Copies of statements (per statement) Less than 4 months old 4 months or older Administration fees R25,00 R5,50 per statement R25,00 Bank cheque R100,00 Stop payments Branch, Telephone Adviser-assisted Online Stop order establishment/amendment fee Branch, Online, Telephone Adviser-assisted R30,00 Special clearance R100,00 Debit card replacement fee R120,00 Debit card Face-to-face delivery R175,00 Page 25 Pricing Guide

26 Islamic Savings Other fees Notification fee (SMS or ) R0,55 Dishonoured/Returned payment R6,50 Notice of payment (Online, Mobile, Telephone) SMS Fax R1,00 R1,00 R10,00 Absa Online notifications (includes RVN, TVN, logon alert) SMS Declined fee (insufficient funds) (5) R5,50 Returned cheque deposit R100,00 Notes: 1. Fees shaded indicate that no charge will be levied on this transaction when the minimum monthly account balance of R is maintained throughout the month. 2. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa. 3. Customers can register for estatements by logging onto Absa Online and clicking on the Profile menu bar and then on Manage estatements, or via Telephone Banking or by sending their request to official @absa.co.za 4. An additional fee of R2,00 is applicable if request is ed or R10,00 for fax. 5. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS. Page 26 Pricing Guide

27 Islamic Current Account Value Bundles This is a Shari ah-compliant cheque product based on a Qardh structure, and offers a transactional account vehicle that allows you to have an affordable Flexi, Gold or Platinum Value Bundle pricing option. Bank from as little as a month with a Value Bundle. With the Value Bundle pricing option we offer you a selection of transactions for a low monthly fee. When you ve used all the transactions in your bundle, you will pay standard fees per transaction as per the Pay-as-you-transact pricing table on page 10. Monthly fees Flexi Value Bundle Gold Value Bundle Platinum Value Bundle Monthly service fees R98,00 R159,00 Discounted monthly service fee: For maintaining a balance of: - more than R = 50% discount; or - more than R = 50% discount R49,00 R79,50 Monthly subscription fees Online, Mobile, Telephone Banking DragonPass monthly fee (optional) (1) R59,00 Transactions included Absa ATM cash deposits Cash deposit: Absa ATM Cash deposit: Cash acceptor Cardless cash deposit: Cash acceptor Absa ATM cash withdrawals Cash withdrawals Absa ATM, Barclays ATM Debit card purchases and withdrawals Debit and cheque card purchases Unlimited Unlimited Unlimited Point-of-sale (POS) cash withdrawals Electronic account and beneficiary payments Account payments via Absa ATM, Online, Mobile, Telephone (IVR) 11 Unlimited Unlimited External debit orders Funds transfers and internal payments Funds transfers via Absa ATM, Online, Mobile, Telephone (IVR) Unlimited Unlimited Unlimited Internal debit orders Stop orders Electronic information enquiries Statement Absa ATM (mini), Online and Telephone (IVR) Unlimited Unlimited Unlimited Balance enquiries Absa ATM, Barclays ATM, POS, Online, Mobile and Telephone (IVR) Notification fee (SMS or ) estatement (2) Roll-over of unused transactions (3) 1 month 1 month Additional features Spouse discount on monthly service fees 50% 50% Lump sum Takaful benefit R5 000 R R All other transactions not included in the above list or transactions done in excess of specific limits, will be charged Out of Bundle feesas reflected on the Pay-as-you-transact pricing table on page 10 Page 27 Pricing Guide

28 Notes: 1. The first 5 visits per annum via DragonPass are included in the monthly fee. Visits in excess of 5 will be charged at the lounge at a fixed rand value of R160,00 at domestic lounges and R300,00 at international lounges. 2. Customers can register for estatements by logging onto Absa Online and clicking on the Profile menu bar and then on Manage estatements, or via Telephone Banking or by sending their request to official @absa.co.za 3. Unused transactions for the current month will be added to the next month s transaction limits (i.e. a Gold Value Bundle customer who only uses 2 ATM withdrawals will have 8 ATM transactions in the following month). Note: The following Online, Mobile and Telephone Banking transactions will generate a separate fee (in addition to the monthly service fee) on Value Bundles: Archived statements Immediate interbank payments Notice of payments (fax, and SMS) CashSend Tax certificates Stop payments of cheques and debit orders. Page 28 Pricing Guide

29 Savings and Investments TruSave, Depositor Plus, Club Account, Travel Club, Investment Club, Tax-free Savings and Money Market Fund TruSave Depositor Plus Club Account/ Travel Club/ Investment Club Monthly fees Monthly administration fee Deposits Cheque deposit: Branch counter R30,00 R30,00 R30,00 Cheque deposit: Absa ATM Cash deposit: Branch counter R8,00 + R1,55/R100 R8,00 + R1,55/R100 R8,00 + R1,55/R100 (min R30,00) (min R30,00) (min R30,00) R3,95 + R1,35/R100 R3,95 + R1,35/R100 Cash deposit: Absa ATM (first 4 ATM cash deposits free pm) Cardless cash deposit: Cash acceptor R6,00 + R1,55/R100 R6,00 + R1,55/R100 R3,95 + R1,35/R100 Cash withdrawals Branch counter + R1,60/R100 + R1,60/R100 + R1,60/R100 R6,95 + R1,35/R100 R6,95 + R1,35/R100 Absa ATM/Barclays ATM (first 2 free Absa ATM pa) Absa-supported ATM R9,95 + R1,35/R100 R9,95 + R1,35/R100 Saswitch ATM R12,95 + R1,35/R100 R12,95 + R1,35/R100 Overseas ATM (1) R50,00 R50,00 Global Alliance Partners R35,00 R35,00 Account payments and funds transfers Account payments Absa ATM Debit and stop orders Internal debit orders External debit orders Stop orders Funds transfers Absa ATM Balance enquiries R8,50 Branch counter R6,25 R6,25 R6,25 Absa ATM R1,50 (first 2 free pm) R1,50 Absa-supported ATM R4,00 R4,00 Saswitch ATM R6,25 R6,25 Statement fees Branch counter full statement R25,00 R25,00 R25,00 Absa ATM ministatement R6,25 (first 2 free pm) R6,25 Absa CAT terminal full statement R12,50 R12,50 Mailed statement R25,00 R25,00 estatement (2) Page 29 Pricing Guide

30 TruSave Depositor Plus Club Account/ Travel Club/ Investment club Administration fees Bank cheque R100,00 R100,00 R100,00 Special clearance R100,00 Debit card replacement fee R120,00 R120,00 Debit card Face-to-face delivery R175,00 R175,00 Other fees Notification fee (SMS or ) R0,55 Dishonoured/Returned payment (3) R36,00 Declined fee (insufficient funds) Absa ATM Absa-supported ATM Saswitch ATM POS R5,50 R5,50 R5,50 R5,50 R5,50 R5,50 Returned cheque deposit R100,00 R100,00 R100,00 Notes: 1. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa. 2. Customers can register for estatements by logging onto Absa Online and clicking on the Profile menu bar and then on Manage estatements, or via Telephone Banking or by sending their request to official @absa.co.za 3. Increasing to R50,00 per transaction from the 4 th occurrence within 12 months. Page 30 Pricing Guide

31 Tax-free Savings The Tax-free Savings Account is a smart way to save, with immediate access to your money. Your interest return is protected from tax. Contribute up to a maximum of R per tax year, with a maximum lifetime contribution limit of R Tax-free Savings Monthly fees Monthly administration fee Deposits Cheque deposit: Branch counter R30,00 Cheque deposit: Absa ATM Cash deposit: Branch counter R8,00 + R1,55/R100 (min R30,00) Cash deposit: Absa ATM R3,95 + R1,35/R100 Cardless cash deposit: Cash acceptor R6,00 + R1,55/R100 Cash withdrawals Branch counter + R1,60/R100 Absa ATM/Barclays ATM/Absa-supported ATM Saswitch ATM/Overseas ATM Account payments and funds transfers Account payments Absa ATM/Branch counter Debit and stop orders Funds transfers Absa ATM Balance enquiries Branch counter R6,25 Absa ATM/Barclays ATM R1,50 Absa-supported ATM R4,00 Saswitch ATM R6,25 Statement fees Branch counter full statement R25,00 Absa ATM ministatement R6,25 Absa CAT terminal full statement R12,50 Mailed statement R25,00 estatement (1) Administration fees Bank cheque R100,00 Stop payment instruction/special clearance Debit card replacement fee Other fees Notification fee (SMS or ) Dishonoured/Returned payment Declined fee (insufficient funds) Returned cheque deposit R100,00 Notes: 1. Customers can register for estatements by logging onto Absa Online and clicking on the Profile menu bar and then on Manage estatements, or via Telephone Banking or by sending their request to official @absa.co.za Page 31 Pricing Guide

32 Money Market Fund Monthly fees Monthly administration fee Commission All credits to account except for counter cash deposits 0,40% Deposits Cheque deposit: Branch counter/absa ATM Commission applicable Cash deposit: Branch counter R8,00 + R1,55/R100 (min R30,00) Cash deposit: Absa ATM Commission applicable Cardless cash deposit: Cash acceptor Commission applicable Cash withdrawals Branch counter (1) + R1,60/R100 Absa ATM (1) /Barclays ATM (1) R6,95 + R1,35/R100 Absa-supported ATM R9,95 + R1,35/R100 Saswitch ATM R12,95 + R1,35/R100 Overseas ATM (2) (5) R50,00 Funds transfers Absa ATM/Branch counter Balance enquiries Branch counter/absa ATM Absa-supported ATM R4,00 Saswitch ATM R6,25 Statement fees Branch counter full statement Absa ATM ministatement Absa CAT terminal full statement Mailed statement R25,00 estatement (3) Administration fees Bank cheque (1) R100,00 Special clearance Debit card replacement fee R120,00 Debit card Face-to-face delivery R175,00 Other fees Notification fee (SMS or ) Dishonoured/Returned payment Declined fee (insufficient funds) (4) Returned cheque deposit R100,00 Notes: 1. Provided a minimum balance of R is maintained in the account at all times, the transactions indicated will be exempt from standard charges. 2. Cash withdrawals performed at Global Alliance Partners: R35, Customers can register for estatements by logging onto Absa Online and clicking on the Profile menu bar and then on Manage estatements, or via Telephone Banking or by sending their request to official @absa.co.za 4. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS. 5. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa. Page 32 Pricing Guide