PRICING GUIDE 2016 Consolidator
Consolidator Current account fee options for 2016 If you re over 55 years and looking for a simple way to run your finances, then Standard Bank Consolidator is the account for you. It s a single, easy to understand financial package that embraces all the services you expect from your bank. You can choose from three different fee options: 1. Pay as you transact you pay for each transaction. 2. Fixed monthly fee (Plus) you pay a single monthly fee for a fixed number of transactions. 3. Rebate if you keep a specified 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. Pricing option Fixed monthly fee (Plus) 1,2 Monthly fee 1 The fee includes: R45 AutoBank cash deposits 3 AutoBank cash withdrawals 6 Cash withdrawal at POS Unlimited Branch cash withdrawals (using a card or cheque) 4 2 Cheques (issued and deposited) 4 4 Electronic transactions 5 Electronic balance enquiries, mini-statements Standard Bank prepaid top-ups Monthly Internet Banking subscription MyUpdates 6 Debit/cheque card purchases Annual Gold cheque and Credit card fee TravelWallet 7 Direct delivery service (Foreign currency) Unlimited Unlimited Included Included Included 1 Consolidator Plus customers who choose the rebate option and maintain a daily minimum positive balance of at least R10 000 for the full calendar month will have their monthly fee refunded. 2 Transactions in excess of the specified maximum and those not shown in this table, will attract Pay as you transact fees. 3 Excludes other bank cash withdrawals. 4 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. 5 This includes any combination of debit and stop orders, electronic inter-account transfers, electronic account payments and debit/cheque card transactions. 6 SMS notifications. 7 TravelWallet includes card activation fee, loading and reloading value fees. 2
Pricing option Pay as you transact Deposits Cheque deposits 1 At Standard Bank ATM At branch Cash deposits At Standard Bank ATM At branch Cash withdrawals 3 R20,00 per cheque R25,00 per cheque R3,50 + 1.25% of value R9,00 + 1.30% of value At Standard Bank ATM 2 R3,25 + 1.20% of value Cash withdrawal at POS R5.00 ATM cash withdrawal at another bank s ATM Branch cash withdrawal Using a cheque card, credit card or debit card Cheque encashment International ATM Payments Prepaid recharges using Standard Bank: ATM, Cellphone Banking, Internet Banking and Mobile App At other banks ATM R6,70 + plus R3.25 +1.20% of the withdrawal amount R28,00 + 1.30% of value Branch cash withdrawal fee + cheque service fee R33,00 + 1.45% of value R1,10 R6,70 + R1,10 Electronic inter-account transfers (excluding savings and investment accounts) R3,90 Debit order 3 Internal External R4,20 R13,10 Electronic account payments R5,20 Cheque/Debit card purchase Debit card purchase with cashback R5,00 Stop order 3 Internal External R4,20 R5,50 Branch inter-account transfers or account payments (to Standard Bank third parties) R34,50 Cheque service fee R4,00 + 1.55% of value (max total fee R52,50) Bank cheque R100,00
Other monthly fees Internet Banking subscription fee Annual cheque card fee for Pay as you transact 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 At AutoPlus 7 30 days: one free a month, therafter At 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 Formal emailed statements R1,15 R6,80 R5,25 R5,25 R31,50 R8,50 R11,55 R14,10 R35,00 R52,50 R52,50 Posted statements R12,00 Internet Banking payment confirmation fee By email By SMS By Fax R1,05 R1,05 R3,70 MyUpdates SMS notifications Chequebooks Non-carbonised chequebook with 40 cheques 4
Overdraft fees Monthly service fee on arranged R68.40 overdraft limits above R500 5 Monthly service fee on R68.40 unauthorised overdrafts 74.10+ 11.4% of limit Initiation fee up to a maximum of R1197.00 Other services applicable to all options Declined cash withdrawal At Standard Bank ATM At another bank s ATM R2,60 R4,90 Depositing a post-dated cheque R105,00 Garage card purchases R5,00 Replacement card Debit card (magstripe) Debit card (Chip/EMV card) Cheque card R52,50 R130,00 R130,00 Special clearance on cheques deposited R105,00 Stop payments on cheques and debit orders R47,50 Stop order (establish, amend/ cancel) fee R16,80 Internet future dated payment unpaid R31,50 Dishonour fee 4 R115,00 Honouring fee R130,00 PIN re-set ATM PIN re-set Branch R4,00 Point of sale decline due to insufficient funds R7,50 Disputed debit orders (if after 40 days and customer proved wrong) R210,00 Standard Trust Limited fees Will drafting fee (complex Standard Trust nominated executor) R600,00 Will drafting fee (complex Standard Trust not nominated executor) R1 800,00 Will drafting fee (pre-printed will) Will drafting fee (online) Will review (Standard Trust nominated executor this fee may be waived by the intermediary if original will is kept in safe custody) R300,00 5
Will drafting/will review for over 55 year olds (Standard Trust nominated executor) Estate Planning consultation where there is no preparation for a will (this fee may be waived by the intermediary) R1 500,00 Will safe custody annual fee R150,00 Safe custody Consolidator 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 Debit and stop orders to another Standard Bank account in favour of personal loans/rcp/wtp/student loans are only charged a fee of R4,20. 4 A charge for a payment that we dishonour due to insufficient funds in your account. 5 Monthly overdraft service fee for customers with existing limits on or before 5 May 2016 will be charged R32.00. Pricing option Rebate The rebate 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, as well as the plus option fixed monthly fee. Minimum daily positive balance for the full calendar month Maximum monthly rebate 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 6
UCount Rewards Join our rewards programme for just R20 a month and collect rewards points every time you shop with your Standard Bank Credit, Cheque or Debit Card. Get up to 20%* back on groceries at 9 major grocery retailers*, up to R2* back in rewards points per litre of fuel at participating Caltex forecourts, up to 5%* back at Participating Rewards Retailers and up to 1.25%* back on all your other purchases. Visit www.standardbank.co.za/ucount for more info. * See web for details and T&Cs. Move forward with our innovative payment and banking products! SnapScan SnapScan is an innovative app that lets you pay for things with your smartphone. It s a simple, safe and convenient way to pay. Download* the SnapScan app from your app store or go to www.getsnapscan.com, link your bank card and enjoy unbelievably simple payments. SnapScan can be used with any MasterCard and Visa credit or cheque cards, as well as selected debit cards, issued by any bank in South Africa. Tap to Pay Buying small items on the run has just become faster with your MasterCard contactless card from Standard Bank. Waste no time when you pay for purchases up to R200. All you need to do is tap your card and go. Apply online at www.standardbank.co.za for yours and use it wherever you see the contactless symbol. MasterPass Shopping on your computer, tablet or smartphone is easier and more secure with MasterPass. Download* the app and shop, click and checkout faster online! MasterPass can be used with any MasterCard and Visa credit or cheque card, as well as selected debit cards, issued by any bank in South Africa. Visit www.standardbank.co.za/masterpass for more info. 7
InstantMoney Send money via your cellphone to anyone in South Africa quickly and safely! Creating an InstantMoney voucher is as easy as buying airtime and funds can be sent by anyone, to anyone even if they don t have a bank account. Find out more at www.standardbank.co.za/instantmoney App for Smartphones or Tablets You decide where and when you need to do your banking. Simply open the secure banking app on your smartphone or tablet, make payments, do transfers, buy prepaid airtime and much more. Download* our revolutionary banking app from your app store or at www.standardbank.co.za/app *Network providers standard data charges will apply. Terms and conditions apply. 8
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 www.standardbank.co.za Cellphone Banking *120*2345# or *130*2345# Fraud 0800 222 050/+27 11 641 6114 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 please contact your branch. Standard Bank subscribes to the Code of Banking Practice. Please ask your branch for details. Standard Bank supports the Ombudsman for Banking Services Sharecall number 0860 800 900 Authorised financial services and registered credit provider (NCRCP15) The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). Moving Forward is a trademark of The Standard Bank of South Africa Limited. SBSA 214705 09/15 9