DAY BANKING S EFFECTIVE 1 JANUARY 2018 1
TIPS HOW TO SAVE ON BANK S By banking with knowhow you can put money back where it belongs in your pocket. REMEMBER For payments, transfers and balance enquiries selfservice banking will always be more costeffective than using an ATM or a branch. Cash withdrawals at tillpoints in Nedbank partner supermarkets, such as Pick n Pay and Boxer, will be more costeffective than at an ATM. Also note that a Nedbankbranded ATM is cheaper than another bank s ATM. HASSLEFREE SWITCH Switch your current account to Nedbank and we will move your debit orders for you. Hasslefree. For free. Compare the costs of withdrawing R600,00 on different channels: Nedbank Payasyouuse Tillpoint ATM (Nedbank) ATM (other bank) Branch R2,00 R6,50 R17,00 R59,00 1
GOLD CHEQUE CLASSIC CHEQUE CLASSIC CHEQUE 5412 5412 ACCOUNTS Name of account Savvy Bundle Savvy Plus Monthly fee R190,00 R106,00 User type Highfrequency users Mediumfrequency users ACCOUNTS Name of account Ke Yona Bundle Nedbank Payasyouuse Monthly fee R53,00 R5,50 User type Highfrequency users Lowfrequency users VALUE Nedbank Money app* Domestic airport lounge access MyPocket Eight visits per annum VALUE Nedbank Money app* SMS Banking MyPocket Digital subscription Digital subscription enote Pay as you use enote Credit card Optional valueadd ADDONS Credit card Greenbacks Rewards Overdraft Optional valueadd Optional valueadd Optional valueadd ADDONS Greenbacks Rewards Overdraft Optional valueadd Optional valueadd KEY TRANSACTIONS Nedbank ATM withdrawal Debit order First four Nedbank withdrawals included KEY TRANSACTIONS Nedbank ATM withdrawal Debit order First ten selected transcactions are included, limited to four ATM withdrawals Pay as you use Pay as you use * Nedbank Money app requires no data to use. So you can bank anywhere, anytime, without using your data. * Nedbank Money app requires no data to use. So you can bank anywhere, anytime, without using your data. Terms and conditions apply. Terms and conditions apply. 2 3
SAVVY BUNDLE MORE DETAILS This account offers you the flexibility and all the savvy benefits you need, such as an overdraft facility, a Platinum Credit Card, Greenbacks Rewards and more, so that you can get the most out of your banking for a fixed monthly fee. SAVVY PLUS This account allows you to get the most out of your banking with a whole lot of savvy value for one fixed monthly fee, and you can add more benefits when you need them, such as an overdraft facility and Greenbacks Rewards. Fixedfee bundle account R190,00 monthly fee Fixedfee bundle account R106,00 monthly fee BENEFITS/VALUE INCLUDED BENEFITS/VALUE INCLUDED Platinum Credit Card Overdraft facility Greenbacks Rewards Gold Cheque Card Selfservice subscription fee SMS notifications (enote) DIGITAL Balance or statement enquiry Electronic interaccount transfer Electronic account payment Debit order DIGITAL Balance or statement enquiry Electronic interaccount transfer Electronic account payment Debit order POINT OF SALE (POS) Cash withdrawal at tillpoint POINT OF SALE (POS) Cash withdrawal at tillpoint ATM Balance enquiry at a Nedbank ATM Withdrawal at a Nedbank ATM Withdrawal at another bank s ATM Cash deposit at a Nedbank Intelligent Depositor ATM BRANCH Cash withdrawal Cash deposit R13,00 + R1,50 per R100,00 or part thereof R7 000,00 per month free, then R1,00 per R100,00 or part thereof R50,00 + R1,50 per R100,00 or part thereof R30,00 + R1,50 per R100,00 or part thereof ATM Balance enquiry at a Nedbank ATM Withdrawal at a Nedbank ATM Withdrawal at another bank s ATM Cash deposit at a Nedbank Intelligent Depositor ATM BRANCH Cash withdrawal Cash deposit First four per month free, then R5,00 + R1,50 per R100,00 or part thereof R13,00 + R1,50 per R100,00 or part thereof R5 000,00 per month free, then R1,00 per R100,00 or part thereof R50,00 + R1,50 per R100,00 or part thereof R30,00 + R1,50 per R100,00 or part thereof OPTIONAL EXTRAS OPTIONAL EXTRAS SendiMali R8,50 for amounts from R1,00 to R1 000,00 and R14,00 for amounts from R1 001,00 to R2 500,00 SendiMali R8,50 for amounts from R1,00 to R1 000,00 and R14,00 for amounts from R1 001,00 to R2 500,00 Overdraft facility R40,00 Greenbacks Rewards linkage fee of R20,00 per month 4 5
KE YONA BUNDLE MORE DETAILS This account is ideal for individuals who want to use Nedbank s convenient and easytouse digital, selfservice and alternative channels. The Ke Yona Bundle allows you the flexibility of performing your monthly banking as you see fit for a fixed fee, and you enjoy R2 000,00 embedded funeral cover. Fixedfee bundle account BENEFITS/VALUE INCLUDED R2 000,00 funeral cover R53,00 monthly fee Selfservice subscription fee SMS notifications (enote) NEDBANK PAYASYOUUSE MORE DETAILS This is a no frills transparent account with a low monthly fee, allowing you to pay only for what you use. Payasyouuse account R5,50 monthly fee BENEFITS/VALUE INCLUDED Debit card MyPocket Selfservice subscription fee UNLIMITED TRANSACTIONS DIGITAL Balance or statement enquiry Electronic interaccount payment Debit order internal POINT OF SALE (POS) Cash withdrawal at tillpoint ATM Balance enquiry DIGITAL Balance or statement enquiry Interaccount transfer Stop order Debit order internal SMS notification (enote) Electronic account payment Debit order external R0,45 per SMS R2,00 R5,00 LIMITED TRANSACTIONS DIGITAL Debit order external* Electronic account payment* ATM Withdrawal at a Nedbank ATM* Cash deposit at a Nedbank Intelligent depositor ATM R11,00 R8,00 First four per month free, then R5,00 + R1,50 per R100,00 or part thereof First R3 000,00 per month free, then R1,00 per R100,00 or part thereof POINT OF SALE (POS) Cash withdrawal at tillpoint ATM Balance enquiry at a Nedbank ATM Withdrawal at a Nedbank ATM Withdrawal at another bank s ATM Cash deposit at a Nedbank Intelligent Depositor ATM R2,00 R6,50 R8,00 + R1,50 per R100,00 or part thereof R1,00 per R100,00 or part thereof PAYASYOUUSE TRANSACTIONS Withdrawal at another bank s ATM* Branch cash deposit Branch cash withdrawal R13,00 + R1,50 per R100,00 or part thereof R30,00 + R1,50 per R100,00 or part thereof R50,00 + R1,50 per R100,00 or part thereof BRANCH Cash withdrawal Cash deposit R50,00 + R1,50 per R100,00 or part thereof R16,00 + R1,50 per R100,00 or part thereof *FIRST TEN TRANSACTIONS ARE INCLUDED, THEREAFTER PAYASYOUUSE PRICING APPLIES. OPTIONAL EXTRAS Lotto purchase R2,20 SendiMali R8,50 for amounts from R1,00 to R1 000,00 and R14,00 for amounts from R1 001,00 to R2 500,00 OPTIONAL EXTRAS SendiMali R8,50 for amounts from R1,00 to R1 000,00 and R14,00 for amounts from R1 001,00 to R2 500,00 Lotto purchase R2,20 6 7
5179 5412 5412 GREENBACKS REWARDS S Greenbacks Rewards CREDIT CARD S Choose the right card for you. 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. The Greenbacks Rewards Programme is easy to understand and easy to use. You can use your Greenbacks rewards to shop, invest or donate. To spend your rewards easily you get a FREE Greenbacks SHOP Card that can be used to pay at over 100 000 stores and even to withdraw cash at any ATM, locally or abroad. CREDIT CARD MANAGEMENT S Monthly fee from PLATINUM GOLD CLASSIC CREDIT CREDIT CREDIT R60,00 R32,00 R25,40 Partner and/or CARD BASICS Credit facility fee Supplementary card fee Initiation fee (onceoff) Garage card fee R13,90 R13,90 R13,90 R188,00 R25,40 pm/onceoff initiation fee of R188,00 per card R25,40 R188,00 R188,00 R25,40 pm/onceoff initiation fee of R188,00 per card R25,40 pm/onceoff initiation fee of R188,00 per card Greenbacks linkage fee R20,00 per month EARN RATE Card type Nedbank credit card Greenbacks American Express Card Earn rate R5,00 = 1 Greenbacks R5,00 = 2 Greenbacks PURCHASES Straight Budget STATEMENTS ATM (Nedbank) Selfservice (Nedbank) Emailed/Mailed BALANCE ENQUIRY Nedbank Internet Banking Nedbank ATM ATM (other bank) R6, 00 Apply at nedbank.co.za for a Nedbank credit card of your choice. EXTRAS SMS notification (per transaction) Digital subscription R16, 00 per month 8 9
5299 FOREX S Be savvy when travelling. Choose the right foreign exchange solutions to ensure a hasslefree travel experience. TRAVEL CARD Nedbank Travel Card 5299 0000 0000 0000 Common monetary area banknotes Issuing of foreign banknotes Commission 3,25% Commission 2,00% Prepaid Encashment of unused funds on card Minimum charge R110,00 Minimum charge R100,00 Up to 10 currencies can be loaded (USD, GBP, EUR, CAD, AUD, HKD, JPY, ISK, TNB, INR) Commission (buying from Nedbank) 2,00% Fix your rate Minimum charge R70,00 Accepted at millions of merchants and ATMs globally Initial card fee R150,00 SWIFT transfers Commission Minimum charge Maximum charge Commission Pension payments under R2 000,00 Incorrect instructions INWARD 0,64% R163,00 R169,00 R780,00 R818,00 R54,00 OUTWARD 0,59% R112,00 R250,00 + foreign bank charges 10 11
HOME LOAN S Getting your bond approved is easier than you think. You can now get an indication of the home loan amount you could qualify for. And when you have found your dream home, complete the full Nedbank home loan online application and get bond approval within hours. Visit any branch or apply online at nedbank.co.za/homeloans. Initiation fee (onceoff) Monthly service fee Branch cash deposit Cheque deposit R5 985,00 R68,40 R30,00 + R1,50 per R100,00 or part thereof R30,00 per cheque Contact us If you d like more information or have enquiries about your home loan account, please call us on 0860 555 111 or visit any Nedbank branch. Visit nedbank.co.za/homeloans for detailed pricing information. LOANS 12 13
PERSONAL LOAN S A personal loan is an easy and affordable way to better your life. Think about the good that a loan can do for you or your family, and you too can experience how a loan can pay you back. Loan amounts Repayment terms Monthly service fees Initiation fee (onceoff) Max interest rate R1 000 to R250 000 12 to 60 months R60,00 (excl VAT); R68,40 (incl VAT) Capped at R1 197,00 (incl VAT) 28%* A net basic salary of R3 000 a month is required. * The stipulated maximum interest rate is subject to change. 14 15
LIVE THE SAVVY LIFE app download it from your app store. Internet Banking go to nedbank.co.za. Cellphone Banking WAP go to nedbank.mobi. SMS Banking dial *120*001#. Visit any Nedbank branch. Nedbank Contact Centre 0860 555 111. twitter.com/nedbank facebook.com/nedbank FOR MORE INFORMATION PLEASE VISIT www.nedbank.co.za Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and registered credit provider (NCRCP16).