PRICING GUIDE Credit card. Moving Forward TM. Still bringing you real banking value

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Jennifer Hines
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1 PRICING GUIDE 2015 Credit card Still bringing you real banking value Moving Forward TM

2 Credit card fees Initiation fee R135,00 Monthly service fee AccessCredit R49,00 Accelerate Credit cards R49,00 Kaizer Chiefs R49,00 Orlando Pirates R49,00 Blue Credit card Post 1 January 2014 R49,00 Blue Credit card Pre 1 January 2014 R24,00 Achiever Credit cards R24,00 MasterCard unembossed R24,00 Gold R28,00 Titanium R35,00 Platinum R53,00 Stand-alone or linked Garage card R28,00 Monthly service fee* Secondary card fee R10,00 *New fee 2

January 2014 R24,00 Achiever Credit cards R24,00 MasterCard unembossed R24,00 Gold R28,00 Titanium R35,00

3 Credit card fees Base fee Fee based transaction value fee Other fees Card replacement fee in South Africa R125,00 Emergency card replacement outside South Africa R125,00 Same-day replacement R380,00 Delivery of credit card by courier (depending on distance and urgency) R180,00 Retrieval of statement, per statement, older than 6 months R50,00 Retrieval of one voucher South Africa R60,00 International R230,00 Late payment fee** From 5 days delinquency R135,00 Honouring fee** R120,00 Arrears fee from 60 days delinquency R19,50 Internet Banking payment confirmation fee: By R1,00 By SMS R1,00 By fax R3,50 Cheque deposit fee branch per cheque R25,00 Cheque deposit fee ATM per cheque R20,00 Cash withdrawals Standard Bank ATM and AutoMoney R4,00 1.3% Another bank s ATM Local R11,50 1.3% International R35,00 1.5% Over the counter (local and international) R35,00 1.5% Cash deposits One free ATM deposit per statement cycle, thereafter Cash deposits ATM R4,00 1.3% Maximum/ Minimum Branch R11,50 1.3% Min R25 Depositing a post-dated cheque R100,00 Special clearance of cheques deposited R95,00 3 4

International R230,00 Late payment fee** From 5 days delinquency R135,00 Honouring fee** R120,00 Arrears fee from 60 days delinquency R19,50 Internet Banking payment confirmation fee: By email R1,00

4 Credit card fees Base fee Fee based transaction value fee Balance Enquiries Standard Bank AutoBank/AutoPlus (including mini-statements) One free per statement cycle, thereafter R1,10 Over the counter at a branch R6,50 Another bank s ATM R5,00 Account payments Maximum/ Minimum Electronic account payment R4,00 1.3% Max R25,00 Branch account payment R42,00 Inter-account transfers Standard Bank AutoBank R5,00 Telephone and Internet Banking R5,00 Over the counter at a branch R42,00 Provisional statements AutoPlus R5,00 Over the counter at a branch R30,00 History statements at a branch Two months R33,00 Four months R50,00 Six months R50,00 5 6

3% Max R25,00 Branch account payment R42,00 Inter-account transfers Standard Bank AutoBank R5,00 Telephone and Internet Banking R5,00 Over the counter at a

5 Credit card fees Issuing of cheques Base fee Bank cheque issued R85,00 Internet Banking Monthly subscription for each card General transactions Free Fuel transactions fee on a Garage card R5,20 ATM PIN re-set fee Free Branch PIN re-set fee R3,50 POS declined fee R7,00 Standard Bank ATM declined fee R2,50 Other bank ATM declined fee R4,70 Cash-back at POS transaction fee R5,00 PureCash at POS fee R5,00 International currency conversion fee 2,5% of rand value of transaction ** Applicable to accounts opened or upgraded before 1 June 2007 **** Applicable to Blue Credit card accounts opened from 1 January Contact details If you have further questions, call us on or us at cardqueries@standardbank.co.za 7

transaction fee R5,00 PureCash at POS fee R5,00 International currency conversion fee 2,5% of rand value of transaction ** Applicable to accounts opened or upgraded before 1 June

6 Standard Bank Credit and Garage cards pricing Your Standard Bank Credit card is an easy, safe and convenient way to pay for goods and services. It also comes with a range of special offers and discounts that are exclusive to you, as a Standard Bank Credit cardholder. Your card also provides you with exceptional value, including the following: Local and international acceptance with over 30 million merchants worldwide. Your Credit card can be linked to your current or savings account for easy and convenient management of your money using any of our electronic channels. A budget facility where you can spend R200,00 or more and repay the amount you spend over periods of between six and 60 months. A single credit limit that you may use as you choose, since you can link additional cards and a Garage card to your Credit card. You are in total control. Get up to 55 days interest-free credit if the full outstanding balance is paid by the due date each month. A repayment option to meet your needs. You may choose to repay the minimum amount, which is as low as 3% (10% for Accelerate and MasterCard unembossed) of the outstanding balance, or R25,00 (R100 for Accelerate and MasterCard unembossed) whichever is greater. You can safely pay for goods and services over the Internet by registering with MasterCard secure code. Your Credit card also brings you the following free benefits, among others: Free Internet, Telephone and Cellphone banking when you link your Internet profile to your Credit card. Free and convenient automatic payment order (APO), a payment option that helps you to manage your account without hassles. 8

Your card also provides you with exceptional value, including the following: Local and international acceptance with over 30 million merchants worldwide.

7 Free basic travel insurance when you pay for travel tickets with your Standard Bank Credit card. *** No point-of-sale transaction fees when you swipe your card at a merchant. Free electronic statements sent directly to your account. Free lost card protection, protecting you against fraudulent transactions on your stolen or lost card provided that it is reported to us. Free budget facility. Free account limit changes. Free ATM balance enquiries if you choose to display your balance on screen. Plus you also get one of the following free each month: Cash deposit at AutoBank Balance enquiry at an AutoBank, or AutoPlus. If your credit card application was received before 1 June 2007, the service fee will change to that of applications received after 1 June 2007, if anyone of the following amendments occur: On the renewal of any agreement Any change to the existing agreement including limit increases, decreases and upgrades Voluntary account restructures (not debt review) Any breach of an existing agreement constituted by the borrower resulting in a new agreement. Added safety and security Our chip and PIN Credit cards help protect you from fraudulent transactions. These smart cards include an electronic chip. Your chip and PIN card can be used only if the cardholder s secret personal identity number (PIN) is entered during the transaction at a merchant. 9

Free lost card protection, protecting you against fraudulent transactions on your stolen or lost card provided that it is reported to us. Free budget facility. Free account limit changes.

8 How to save money with your Credit card Read through our pricing guide and you will see that you can cut costs by using our self-service channels, including ATMs, Cellphone, Internet and Telephone banking rather than a branch. If you make several cash deposits a month, think about consolidating them into one. Consider swiping your Credit card for purchases instead of drawing cash, as the transaction is free and you could also get up to 55 days interest-free credit. How to calculate your costs Transaction fees have two parts one fixed and one variable. For instance, the fee for a cash withdrawal from an AutoBank machine costs R4,00 plus 1.3%. What this means is, if you withdraw R500,00 the fee is R4,00 plus 1.3% of R500,00 which totals R10,50 (R4,00 + R6,50). *** Terms and conditions apply. UCount Rewards Join our rewards programme for just R20 a month and collect rewards points every time you shop with your Standard Bank personal Debit/Cheque or Credit Card. Get up to 10%* back on groceries and up to 1.25%* back on all your other purchases! Visit for more info. *Terms and conditions apply. 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 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. 10

Consider swiping your Credit card for purchases instead of drawing cash, as the transaction is free and you could also get up to 55 days interest-free credit.

9 Tap & go 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 for yours and use it wherever you see the contactless symbol. MasterPass Shopping on your computer, tablet or smartphone online 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 for more info. 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 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 *Network providers standard data charges will apply. Terms and conditions apply. 11

MasterPass Shopping on your computer, tablet or smartphone online is easier and more secure with MasterPass. Download* the app and shop, click and checkout faster online!

10 This brochure is not a comprehensive list of our prices. 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. Standard Bank supports the Ombudsman for Banking Services Sharecall number Authorised financial services and registered credit provider (NCRCP15) The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). SBSA /14 PG0011 Moving Forward is a trademark of The Standard Bank of South Africa Limited 12

PRICING GUIDE 2015. PureSave, PlusPlan and MarketLink accounts. Moving Forward TM. Still bringing you real banking value

PRICING GUIDE 2015. PureSave, PlusPlan and MarketLink accounts. Moving Forward TM. Still bringing you real banking value PRICING GUIDE 2015 PureSave, PlusPlan and MarketLink accounts Still bringing you real banking value Moving Forward TM Fees for 2015 To get maximum value for money when using your account, it is important