(55 years and older) Pricing option 1 Pay as you transact Deposits at branch or AutoBank Cheque deposits 1 At Standard Bank ATM At branch Cash deposits At Standard Bank ATM At branch Cash withdrawals Standard Bank ATM 2 Branch cash withdrawal Using a cheque card, credit card or debit card 2 Cheque encashment International ATM Payments Prepaid recharges using Standard Bank electronic channels 3 R10,00 per cheque R15,00 per cheque R3,00 + 1,15% of value R5,00 + 1,15% of value R3,00 + 1,05% of value R25,00 + 1,15% of value Branch cash withdrawal fee + cheque service fee R30,00 + 1,30% of value Electronic inter-account transfers (excluding savings and investment accounts) R3,50 Stop order 4 R5,00 Electronic account payments R5,00 Cheque card purchase R3,50 Debit card purchase R3,50 Debit order 4 R12,00 Branch inter-account transfers or account payments (to Standard Bank third parties) R15,00 Cheque service fee R3,00 + 1,50% of value (max total fee R45,00) Bank cheque R70,00
Other monthly fees Monthly service fee on arranged overdraft limits above R500 R24,00 Monthly service fee on unauthorised overdrafts R57,00 Internet banking subscription fee 1 Deposit fee is levied per cheque deposited. 2 Where there is no Standard Bank ATM available in a town or if it is offline, the Standard Bank ATM cash withdrawal fee is applicable. 3 Cash withdrawal at another bank s ATMs will attract R6,70 plus the AutoBank cash withdrawal fee. Prepaid recharges at another banks ATM will attract a fee of R6,70. 4 Debit orders to another Standard Bank account and stop orders in favour of personal loans RCP/WTP/student loans are only charged the base fee R3,50. Pricing option 2 Fixed monthly fee (Plus) Note: Transactions in excess of the specified maximum and those not shown in this table, will attract Pay as you transact fees. The fee includes: AutoBank cash deposits 3 AutoBank cash withdrawals 1 8 Branch cash withdrawals (using a card or cheque) 2 3 Cheques (issued and deposited) 2 8 SendMoney 7 transactions using cellphone banking 2 Electronic transactions 3 Electronic balance enquiries, mini-statements and electronic prepaid top-ups via Standard Bank Monthly Internet banking subscription MyUpdates 4 Annual Cheque card fee Annual Credit card fee TravelWallet 5 Direct delivery service Monthly fee 6 Unlimited Unlimited R41 1 Excludes other bank cash withdrawals. 2 Includes cheque encashment. The cheque portion of the cheque encashment transaction is covered up to the maximum number of cheques and the same applies to branch cash withdrawals. Please consult your branch for more details. 3 This includes any combination of debit and stop orders, electronic inter-account transfers, electronic account payments and cheque card transactions. 4 SMS notifications. 5 TravelWallet includes card activation fee, loading and reloading value fees. 6 Plus customers who choose the refund option and maintain a daily minimum positive balance of at least R10 000 for the full calendar month will have their monthly fee refunded. 7 Instant transfer of money between Standard Bank customers using Cellphone banking. The receiver s cellphone number must be linked to their account.
Pricing option 3 Refund* The refund is applicable to fees incurred on Standard Bank ATM cash withdrawals, electronic inter-account transfers, electronic account payments, debit orders, cheques and cheque card purchases. It also applies to the minimum monthly service fee. Minimum daily positive balance for the full calendar month* Maximum monthly refund R10 000 to R19 999 R85,00 R20 000 to R29 999 R125,00 R30 000 to R49 999 R225,00 R50 000 to R99 999 R280,00 R100 000+ R420,00 * No interest is paid on positive balances on rebate option. Personal/Owner Loan Protection Plan Age Bands Plan D Plan E Plan F Death, permanent disability, dread disease and retrenchment Death, permanent disability, and retrenchment Death 18-59 R2,39 R2,01 R1,24 To calculate: Divide your outstanding balance by R1 000, then multiply by the rate under your age band = monthly premium. (The premium decreases monthly as your outstanding balance decreases).
The following fees apply unless specifically excluded Information Balance enquiries and mini-statements At Standard Bank ATM (display) At Standard Bank ATM (print) At branch At another bank s ATM Provisional statements AutoPlus seven days one free a month, thereafter AutoPlus 30 days one free a month, thereafter Branch one free a month, thereafter Transaction history At AutoPlus 60 days At AutoPlus 90 days At AutoPlus 180 days Transaction history At Branch 60 days At Branch 90 days At Branch 180 days Internet and Cellphone banking statements Internet banking payment confirmation fee By email By SMS By Fax Chequebooks MyUpdates Email/SMS notifications Non-carbonised chequebook with 30 cheques R1,00 R5,00 R4,00 R3,00 R4,00 R15,00 R7,00 R10,00 R12,00 R15,00 R20,00 R25,00 R0,65 R0,85 R3,00
Other services applicable to all options Cheque card annual fee (including lost card protection) 1 R75,00 Declined cash withdrawal At Standard Bank ATM At another bank s ATM R2,00 R4,00 Depositing a post-dated cheque R90,00 Garage card transaction fee R3,85 Replacement card Debit card Debit card (Chip/EMV card) Cheque card R45,00 R70,00 R100,00 Special clearance on cheques deposited R85,00 Stop payments on cheques and debit orders R40,00 Stop order (amend/cancel) fee R16,00 Internet future dated payment unpaid R26,00 Dishonour fee 2 R115,00 Honouring fee 3 R120,00 Disputed debit orders (if after 40 days and customer proved wrong) R170,00 Will drafting fee (complex will) R475,00 Will drafting fee (pre-printed will) R250,00 Will review (this fee may be waived by the intermediary) R250,00 Will safe custody annual fee R90,00 1 in fixed monthly fee option. 2 A charge for a payment that we dishonour due to insufficient funds in your account. 3 A charge for a payment that we honour when you do not have sufficient funds in your account.
This pricing guide covers the fees for accounts. Current account fee options You can choose from three different fee options. 1. Pay as you transact with a minimum monthly fee you pay for each transaction. For more details see Option 1 on the attached table. 2. Fixed monthly fee (Plus) you pay a single monthly fee for a fixed number of transactions. 3. Refund if you keep a daily minimum balance in your account for a full calendar month we will refund a portion of the service fees incurred under the Pay as you transact and fixed monthly fee options. Tips on how to manage your account The following tips will assist you in banking faster and cheaper at your own convenience: Use Internet, Telephone or Cellphone banking as a more cost effective way to perform most of the transactions you do in the branch. Recharge prepaid airtime free of charge at the AutoBanks, Internet, Telephone or Cellphone banking. In order to avoid paying the cheque deposit fee, rather try to have deposits paid electronically into your account. Avoid issuing cheques, it is cheaper to do electronic payments. Draw cash at a Standard Bank ATM if you are not already doing so and remember to always use our ATMs to avoid paying additional fees for using other bank s ATMs. Use your cheque debit or credit card to make in-store payments and online purchases. Use Internet banking, AutoPlus machines or Cellphone banking to pay monthly bills. Avoid administration fees by ensuring that there is always sufficient money to cover any expenses coming off your account. You can carefully monitor the funds in your account by obtaining your account balance as often as you need on Cellphone/Internet banking. Remember Cellphone/Internet banking balance enquiries are free. To ensure that you have the best account and pricing option, visit your closest branch and discuss your needs with a consultant. We have also developed an Internet pricing calculator which enables customers to decide on the best pricing option, given your transacting requirements. Open a savings or investment account if you have not got one already to help you grow your wealth. Link the savings account to your current account, making it easier for you to transfer money into your savings account on Internet, cellphone banking or our ATMs. Electronic inter-account transfers from current account to savings and investment accounts are free.
Contact details General customer enquiries South Africa International Email 0860 123 000 +27 11 299 4701 information@standardbank.co.za Lost or stolen cards 0800 020 600 Internet Cellphone banking www.standardbank.co.za www.standardbank.mobi This brochure is not a comprehensive list of our prices and products. For further information, please contact your branch. Prices include VAT and are subject to change. Disclaimer Our products and services, and the terms under which they are offered, may change. We will inform you within a reasonable time of these changes. It is in your interest to read your contract carefully. If you have any questions or need more information contact your branch. Standard Bank subscribes to the Code of Banking Practice. Please ask your branch for details. Authorised financial services and registered credit provider (NCRCP15) The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). SBSA 120309-6/12 PG001