MAKE YOUR FUTURE HAPPEN Be SAM (Savvy About Money) For more information go to nedbank.co.za or visit a branch to speak to a Nedbank consultant. Facebook.com/Talk2Sam 8225 Nedbank Branch of the Future Dezign Brochure.indd 1 2013/12/10 4:44 PM
FOUR STEPS to savv y banking It s as easy as 1, 2, 3, 4 to be SAM. Every penny counts, so spend wisely and save for all the important things you need. Be SAM. 1 Everyday banking Dezign Student Account...3 2 MyFinancialLife...5 3 Track your spending Borrow wisely Nedbank student loan...6 4 Build financial fitness JustSave Account...7 Bank securely anywhere, anytime. Nedbank App Suite...8 Online and mobile banking...8 Travel American Express GlobalTravel Card...9 The National Credit Act...10 8225 Nedbank Branch of the Future Dezign Brochure.indd 2-3 2013/12/10 4:44 PM
EVERYDAY BaNKING Easy access to your cash when you need it, to suit your savvy lifestyle. 3 TIP: Need airtime? Buy Airtime without Airtime. Dial *130*001# and follow the steps. Check your account balance by dialling *120*001#. 4 DEZIGN STUDENT ACCOUNT The Nedbank Dezign Student Account is a day-to-day banking account for young adults and offers a range of great benefits. What this account gives you unlimited VISA Maestro Unlimited access to all our self-service banking channels. Free Visa Maestro debit card purchases. What you need to apply A valid green South African bar-coded identity document OR a valid passport with a valid study permit. For tertiary students, a valid student card OR proof of registration at a tertiary institution. (Proof can be confirmation that the student is registered OR a letter of acceptance by the tertiary institution both on an official letterhead.) Proof of residence. All for a fixed monthly fee of R18. What you get Free access to MyFinancialLife Nedbank App Suite. Cash withdrawals at any Nedbank ATM. Debit card purchases. SMS notifications (enote). Airtime topups at any Nedbank ATM. Electronic payments. Interaccount transfers. Balance enquiries on all channels. Cash withdrawals at tillpoints in Pick n Pay or Boxer stores. 8225 Nedbank Branch of the Future Dezign Brochure.indd 4-5 2013/12/10 4:44 PM
TRACK your spending MyFinancialLife a free online tool to help you stick to your budget and achieve your financial goals. 5 6 BORROW wisely A Nedbank student loan will ensure that you can study and make your dreams come true. 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 Watch your net worth grow as you work towards your goals. You can see your savings balances and what you owe on your student loan. In time, as you start working, you will be able to see assets such as investments, retirement funds and maybe even your own house or apartment, less anything you may be paying off, such as your credit card, bond account and overdraft balances. The net worth value will be updated automatically. 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 or another degree) 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 email or SMS. Sticking to a budget can be tricky, so this makes it even easier to stay on track. Register at myfinanciallife.co.za and, remember, it s free! NEDBANK STUDENT LOAN What a Nedbank student loan covers Tuition fees. Accommodation. Textbooks/Study-related equipment. What you get Competitive interest rates and flexible repayment terms during and after completion of your studies. Grace periods for students who have to complete internships, community service or articles to qualify in their fields of study. What you need to apply Matric certificate. A valid South African green bar-coded identity document. Proof of acceptance as a fulltime or part-time student at a SAQA-accredited tertiary institution. TIP: Don t leave it too late! The sooner you apply for your Nedbank student loan, the closer you are to reaching your goals. 8225 Nedbank Branch of the Future Dezign Brochure.indd 6-7 2013/12/10 4:44 PM
Pick n Pay and Boxer tillpoints 7 8 BUILD FINANCIAL FITNESS Be savvy. Save for the things you need. BANK SECURELY ANYWHERE, ANYTIME. Nedbank offers you a more secure range of online and mobile banking solutions. justsave account A JustSave savings account will allow you to save your money when you can to ensure that you can achieve your goals and always have that little extra put aside for when you need it. Learning to save and plan ahead is definitely SAM! For a minimum opening amount of R50 you can get a FREE JustSave Account and earn a great rate on your savings. What you get Competitive interest rate. Access to your cash savings on 24 hours notice. R2 per month into your savings account (if you set up a weekly or monthly debit order from your day-to-day account). What you need to apply A valid green South African bar-coded identity document. Proof of residence, such as your electricity, water or phone account. An opening deposit of R50. Speak to a consultant today to open your JustSave Account. NEDBANK APP SUITE Download the Nedbank App Suite. It s the latest way to bank securely anywhere, anytime. With the app suite you can: make secure payments; load beneficiaries; buy prepaid airtime; get forex rates; trade shares; and locate branches and so much more! online and mobile BANKING Cellphone Banking WAP Internet banking SMS Banking Self-service terminals Cellphone Banking WAP - With Cellphone Banking WAP you can control your finances from wherever you are. Buy airtime, check balances and do much more. Go to nedbank.mobi. Internet banking - Make payments, do inter-account transfers, buy airtime and set up future-dated purchases, payments and transfers. And now, with Approve-it, you get an even more secure banking experience, anywhere, anytime. Go to nedbank.co.za. SMS Banking Access Nedbank SMS Banking by dialling *120*001#. View your balance, buy airtime and pay your bills. To buy Airtime without Airtime dial *130*001#. 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, more cost-effective than branch transactions and help you avoid unnecessary queues. Pick n Pay and Boxer tillpoints - Give you easy access to your money and are cheaper to use than ATMs. 8225 Nedbank Branch of the Future Dezign Brochure.indd 8-9 2013/12/10 4:44 PM
Travel Be savvy when travelling with a safe prepaid, reloadable travel card. 9 THE NATIONAL CREDIT ACT Be savvy and know what the National Credit Act means for you. 10 AMERICAN EXPRESS GLOBALTRAVEL CARD your safe and convenient travel companion 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. A free backup Card in case your primary Card is lost or stolen. Your card is valid for up to five years. Unique Global Assist services for help abroad. Unique travel offers at select travel destinations. TIP: Using a travel Card allows you to fix your exchange rate, which will help you keep to your budget. The National Credit Act, 34 of 2005 (NCA), might not concern you now, but knowledge is power. Understanding what your rights are as a consumer puts you in a great position for your future. There s no denying the value of credit. You might already see its value with your student loan. Unfortunately, no matter how carefully you plan to manage it, you could find yourself in a position where your debt levels have spiralled out of control. That s why Nedbank is proud to support the principles of the NCA. Credit bureau information Debt counselling Should you, as a Nedbank client, ever find yourself in a position where you are financially overcommitted, please contact your branch or the Nedbank Contact Centre on 0860 555 111 for an informal debt review. If you were ever unable to meet your financial commitments, you would be able to apply to a registered debt counsellor. A proposal could then be made to you and your credit providers for repayment of your debt. If there is any disagreement with this proposal, the magistrate s court may restructure your debt. A list of registered debt counsellors is available from the National Credit Regulator s Office on 0860 627 627 or at ncr.org.za. Complaints and resolutions Travellers cheques and foreign banknotes are also available on request. For a full range of foreign exchange solutions go to nedbank.co.za. 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. This can be helpful to you while you are starting out and wanting to invest in a car or property or get your first credit card. Any complaints in this regard can be directed to the Credit Ombudsman, 0861 OMBUDS (0861 662 837), or the National Credit Regulator. The National Consumer Tribunal acts as an informal court to resolve problems with credit transactions, credit bureaus and credit providers as a last resort. 8225 Nedbank Branch of the Future Dezign Brochure.indd 10-11 2013/12/10 4:44 PM
Make your future happen Visit any Nedbank SMS Banking - Dial *120*001# Cellphone Banking WAP - go to nedbank.mobi Internet banking - go to nedbank.co.za App Suite TM - download from the Apple Store, Google Play, Blackberry World or from nedbank.mobi for specified Nokia devices. Nedbank 135 Rivonia Campus 135 Rivonia Road Sandown Sandton 2196 Nedbank Limited, Reg No 1951/000009/06. Authorised financial services and registered credit provider (NCRCP16). Terms and conditions apply. for more information please visit nedbank.co.za. 8225 Nedbank Branch of the Future Dezign Brochure.indd 12 2013/12/10 4:44 PM