GREAT-VALUE SMALL BUSINESS BANKING

Size: px
Start display at page:

Download "GREAT-VALUE SMALL BUSINESS BANKING"

Transcription

1 GREAT-VALUE SMALL BUSINESS BANKING Fees effective from 1 January 2014

2 Five steps to great-value banking Choose the right account for you. Is your bank account working for you? With Nedbank you are in control of your banking. By following these five steps you can bank wisely and save on fees. Use the tools available to you. Plan, budget, monitor your account and do more with our money management tools. Bank at your leisure. Use self-service banking and bank for less, anytime, anywhere, or take advantage of our extended banking hours. Sign up for rewards. Sign up for Nedbank Greenbacks and Nedbank Affinity-linked products. It all adds up. Choose the account that fulfils your future needs. Nedbank Limited Reg No 1951/000009/06 Nedbank is an authorised financial services provider. This information replaces any information in previously distributed brochures that may still be in circulation. * E&OE (errors and omissions excepted).

3 Small businesses Small Business Services Current Account Small Business Services Credit Card Credit Credit card Travel Foreign exchange Personal relationship banking Personal Relationship Banking Bundle Account Personal Relationship Banking Current Account Savvy Bundle Account

4 More bank for your buck Great-value relationship banking provides you with: A dedicated relationship banker Whether you re running a business, are a key employee or are balancing your time with your family, we understand that you lead a demanding life, with a lot of pressure on your time, and often when you least expect it on your finances. Your dedicated relationship banker is there to assist you, your household and your business with your day-to-day banking needs, and to partner with you in ensuring your future financial fitness. Accessibility A wide range of digital channels, such as NetBank internet banking, and NedApp, cellphone and telephone banking, allow you to bank whenever and wherever you want. Step into one of our 50 relationship centres or visit any of our 450 Nedbank branches, where extended branch banking hours will give you even greater access to your banker and your money. You can also use tillpoints at Pick n Pay and Boxer stores. Our contact centre, which is open 24 hours a day, is available on for personal relationship banking and on for small businesses. Affordable and transparent banking Don t pay more fees than you have to. With convenient channels and a host of products designed to make your banking more affordable, let us help you make sure you save on bank fees. See what you pay, compare bank fees and see how your account stacks up against others with our Bank Fees Calculator. 2

5 Five steps to great-value banking Great-value banking TOOLS and TIPS Banking savvy begins with making sure that your account matches your banking behaviour. Choose the right account based on the way you prefer to bank. Choose the right account for you. With our wide range of products there is an account that is suited to you. Use our Bank Fees Calculator to match an account to your banking needs: Capture the number and value of the transactions you made for the month. Calculate how much you spent on bank fees. Compare your fees with those of other Nedbank products. Based on how you prefer to transact electronically or inbranch and how much you are paying in fees, choose a product to suit your banking behaviour. Go to for the Bank Fees Calculator, ask your banker to help you find the right account for you or visit your nearest Nedbank. 3

6 Use our money tools. With our easy-to-use banking tools you can manage your finances and keep your account in tip-top shape. No-funds alert* Maintain a good credit record and avoid incurring dishonoured-payment fees activate our no-funds alert service. The service notifies you, by SMS, when you have insufficient funds in your account to meet debit order payments. It also automatically delays expected transactions for up to 32 working hours, giving you time to deposit money into your account. Your benefits: Avoid paying penalty fees. Prevent policies or accounts from lapsing. Maintain a good credit record. Sign up by calling your banker or the contact centre on for personal relationship banking or on for small businesses. You can also go to or visit your nearest Nedbank. * Fees applicable. MyFinancialLife * Take greater control of your finances with our free, highly secure, easy-to-use personal financial management tool. MyFinancialLife is an online tool that provides a view of your entire financial position in one place. It s available to Nedbank and non-nedbank clients for free. Register at * Terms and conditions apply. 4

7 Bank at your leisure. Save time and money by choosing to bank anytime, anywhere: Nedbank is proud to bring you the Nedbank App Suite, which provides you with a unique, device-adaptable and -customisable banking experience. Nedbank enables you to achieve your goals with the ability to choose whatever suits you from a range of secure tools and NedApps at your convenience. Welcome to the world of anytime, anywhere banking from Nedbank. The Nedbank App Suite is available for download from the Apple, Android and Blackberry App Stores. Register for self-service banking channels, such as cellphone, internet and telephone banking. Enjoy free SMS Banking: register a self-service banking profile. Once you have received your PIN and profile number, dial *120*001#, and press Send. Then simply follow the prompts. Use our self-service terminals (SSTs) outside Nedbank branches or next to Nedbank ATMs. Access selected banking facilities at Pick n Pay and Boxer stores. Enjoy our extended hours at selected Nedbank branches throughout the week, over weekends and even on Sundays. Visit your nearest Nedbank, call or go to for details. 5

8 Get rewarded. Nedbank Greenbacks Get rewarded for using your qualifying Nedbank credit or cheque card. As a Nedbank Greenbacks accountholder, you can earn double Greenbacks on all your eligible American Express Card spend. Greenbacks can be redeemed for a variety of rewards: Spend your Greenbacks on groceries, fuel, electronic devices, books, the finest wines and whiskies and so much more. Invest your Greenbacks in a Nedbank unit trust or pay up to R100,00 a month towards your cheque and savings account bank charges. Use your Greenbacks for a cash donation to one of over 600 charities in our database. Sign up for the Nedbank Greenbacks Rewards Programme by calling your banker or for personal relationship banking or for small businesses or by visiting your nearest Nedbank, or go to Nedbank Affinity Programme Reward others by linking your Nedbank current or transactional account to the Affinity of your choice: Each time you use a Nedbank Affinity-linked product a donation is made on your behalf to a cause you care about at no cost to you. You can support the Nedbank Children s Affinity and help children in need; Nedbank Green Affinity and help conserve the environment; Nedbank Sport Affinity and support sport development in South Africa; or Nedbank Arts Affinity and support the development of South African arts and culture. Call us on 0860 DO GOOD ( ) or visit your nearest Nedbank. 6

9 It all adds up. We have product options that suit your transactional behaviour, be it pay-as-you-use (for clients with low transactional volumes) or bundled products (for clients with high transactional volumes who prefer to know exactly what they will pay every month, as a fixed monthly fee is charged). Make sure that your account is still right for your transactional behaviour as well as your banking needs. Not sure? Consider the following: Do you need an overdraft? Do you need a chequebook or cheque card? Do you do most of your banking electronically or inbranch? What pricing option would suit you best? For more information on what is available contact your banker, go to or visit your nearest Nedbank. 7

10 For your business Great-value Small Business Banking The Small Business Current Account This provides the perfect banking solution for your small business at just R51,00 a month, and provides your business with a host of valueadding benefits, which include: Access to the services of a relationship manager specialising in the banking needs of small businesses. Access to specialist advisers in the form of commercial financial planners, and investment managers, global trade, and professional and franchising managers. Coaching and mentoring through Business Partners Mentorship Services. Access to the SimplyBiz online portal (SimplyBiz.co.za) for advice and access to various special offers. Business Management seminars. Access to the Business Money Manager tool. Access to NetBank Business*, an internet banking platform tailored to the needs of businesses. A Nedbank Business Gold credit and/or debit card linked to the Nedbank Greenbacks Rewards Programme*. * Additional fee applicable. 8

11 Access to a Nedbank point-of-sale device* (card machine), enabling your clients or customers to pay directly for purchases and to access services such as prepaid airtime, electricity and cash withdrawals. Access to conveniently located relationship centres and Nedbank branches for face-to-face meetings with your small-business relationship manager. Subscription-free access to internet banking, cellphone banking, telephone banking and enote (receive SMS notifications on transactions to two cellphone numbers). Extended banking hours and access to a contact centre that is available 24/7. The use of SwiftReg services to enable business registration. An invoice discounting facility to help you manage cashflow in your business. Nedbank payroll solutions* for your business an internet-based operating system integrating your HR and payroll requirements. Access to vehicle and equipment finance for your business. enote service receive SMS notifications to up to two different cellphone numbers to help you and your business partner or accountant keep track of your current account and credit card transactions. * Additional fee applicable. 9

12 For you and your household Great-value Personal Relationship Banking The Personal Relationship Banking Account (Bundle) This powerful product suite, coming at last year s price of only R269,00 a month, offers a comprehensive set of products and services that deliver great value for money. This single monthly fee affords you: A dedicated personal relationship banker who is there to facilitate your banking needs and those of your household. Access to exclusive, conveniently located relationship centres for face-to-face meetings with your personal relationship banker. access to the services of a personal financial planner for your wealth management needs. A Platinum cheque account with numerous free unlimited transactions, a Platinum cheque card, a Platinum or Greenbacks credit card and a garage card at no extra cost. access to internet banking, and the cellphone and telephone banking channels. enote service receive SMS notifications that help you keep track of your current account and credit card transactions. Access to our no-funds alert* service receive SMS notifications of insufficient funds in your account there is up to 32 working hours delay on expected transactions. Access to our online share trading facility to buy and sell shares on the JSE without having to go through a broker. access to MyFinancialLife an online tool that provides a view of your entire financial position in one place. 10

13 Access to offshore banking solutions, facilitated through Nedbank Private Wealth, to enable movements of funds to and from offshore multicurrency jurisdictions, taxplanning benefits and international money management. Access to our Nedbank Greenbacks Rewards Programme, giving you the opportunity to spend, or invest your Greenbacks, or donate them to charity. Access to the personal relationship banking contact centre 24/7, and extended banking hours at selected Nedbank branches. access to Bidvest domestic and international lounges at local airports through your Platinum Credit Card. travel insurance for travel tickets booked on your Platinum Credit Card. Hassle-free card and foreign exchange delivery to a location of your choice. supplementary cards for household members. Access to Priority Pass International airport lounges, and car hire upgrade discounts by using the American Express Platinum Charge Card at a 50% discount. Access to preferential rates on overdraft facilities and other lending solutions (homeloan and vehicle and asset finance) that can be negotiated through your banker. Access to customised, competitively priced Personal Relationship Banking investment options. Platinum Park-It a short-term notice deposit account offering very competitive interest rate. Platinum Fixed Deposit a high-yielding deposit account that allows partial access to funds during the fixed investment term and offers a regular income payment. * For your household, select from one of the products and services listed on pages 26 to 41. * Additional fee applicable. 11

14 For you and your household The household offering We ll look after you and your household. Recognising the interdependencies between you and the members of your household, our personal relationship bankers are also available to provide guidance on the best financial solutions for your household. We understand that you play a vital role within your household, that s why our personal relationship banker won t only look after your banking needs, but those of your household too. Some of our banking options for the household include: Nedbank 4 me Tailored for kids and offers a secure method to transact and save, at market related interest rates. Dezign Student Account A current account for full time students between the ages of 16 and 26. Keyona Pay-as-you-use (PAYU) A basic transactional account that is easy to use and offers best value for money and the most competitive pricing structure. 12

15 Keyona Plus A flexible, pay-as-you-use current account that offers a simple and affordable solution to managing your money. Keyona Bundle A full transactional account that offers a simple pricing structure with embedded value. Savvy PAYU A day -to -day banking account and want to pay as you use, this is the right account for you. Savvy Plus If you do, on average, four or less Nedbank ATM withdrawals a month, and still want the whole enchilada for a fixed fee, then this account is ideal for you. Savvy Bundle If you re looking for the whole enchilada that includes cheque and credit cards, an overdraft and unlimited transactions all for a fixed fee, then this is the best value bundle for you. Optimum Current Account (clients of 55 years and over) The Optimum Current Account is a pay-as-you-use current account that offers reduced service fees and selected free transactions while you have a balance of R or more in a Nedbank fixed deposit, notice deposit or JustSave Account (excluding deposits made with Nedgroup Investments). 13

16 Small businesses Small Business Services Current Account ANNUAL FEES Visa Electron/Maestro debit card service fee Cheque card service fee (including lost-card protection) R153,00 Cheque card: Nedbank Greenbacks linkage fee R179,00 Platinum garage card R153,00 MONTHLY FEES Account maintenance fee 1 R51,00 Overdraft facility fee 2 R50,00 for limits from R1,00 to R5 000,00; R55,00 for limits from R5 001,00 to R10 000,00; R57,00 for limits from R10 001,00 or more enote SELF-SERVICE BANKING Subscription fee 3 FEES Standard service fees R4,99 for the first R100,00 or part thereof; R2,40 for each subsequent R100,00 or part thereof; with a maximum of R39,00 per transaction 1 Includes the following free subscriptions: NetBank internet banking, Cellphone Banking WAP, enotes, Telephone Banking: Agent-assisted and Telephone Banking: Self-service. 2 Facility fees, while prescribed by the National Credit Act, may differ for internal banking segments. 3 You will not pay a monthly subscription fee, even if you subscribe to more than one of these self-service banking channels. 14

17 This is a full-featured current account specifically designed for small businesses. Get a skilled relationship banker to assist with your personal and specific business needs. Enjoy customisable internet banking solutions to optimise your business operations. DEPOSITS Electronic deposit Cheque deposit at a Nedbank Branch R8,50 per deposit at a Nedbank ATM R8,50 per deposit Cash deposit at a Nedbank Branch or Nedbank ATM R4,20 plus R1,25 per R100,00 at a Nedbank Intelligent Depositor ATM R2,10 plus R0,63 per R100,00 CASH WITHDRAWALS At a participating retailer s tillpoint 4 R4,00 At a participating retailer s tillpoint, combined with a purchase at the store 4 R6,00 At a Nedbank ATM R3,50 plus R1,25 per At another bank s ATM R100,00 or part thereof R9,50 plus R1,25 per R100,00 or part thereof At a branch Cheque encashment Charged at a rate equal to cash deposit fee, per R100,00 or part thereof, with a minimum of R25,00 and a maximum of R1300,00 in addition to service fees Debit or cheque card withdrawal Charged at a rate equal to cash deposit fee, per R100,00 or part thereof, with a minimum of R25,00 and a maximum of R1300,00 in addition to service fees At another bank s self-service device R8,00 At an international ATM R30,00 plus R1,25 per R100,00 or part thereof 4 These fees apply at all stores where cash at tillpoint is offered, for example the Pick n Pay group, including Score and Boxer. 15

18 Small businesses Small Business Services Current Account continued PAYMENTS ELECTRONIC SMS Banking Telephone Banking: Self-service Debit order (internal) R6,00 At a self-service terminal 50% of standard service fee On NetBank internet banking and 50% of standard Nedbank App Suite service fee Cellphone Banking WAP 50% of standard service fee Telephone Banking: Agent-assisted 75% of standard service fee Stop order R14,00 Debit order (external) R18,50 Third-party payment notifications on NetBank 5 SMS R0,70 R0,55 Fax R3,00 PAYMENTS CHEQUE Cheque service fee Bank-guaranteed cheque Bank s own cheque PAYMENTS AT A BRANCH To a Nedbank account To an account at another bank R4,99 for the first R100,00 or part thereof; R2,40 for each subsequent R100,00 or part thereof; with a maximum of R39,00 per transaction 0.03% of value, R40,00 Minimum 0.03% of value, R45,00 Minimum R56,00 plus service fee R56,00 plus service fee 5 Payment notifications can be sent to third parties. However, a fee will be charged for each notification sent. 16

19 Small businesses Small Business Services Current Account continued INTERACCOUNT TRANSFERS SMS Banking Telephone Banking: Self-service Cellphone Banking WAP R4,00 Self-service terminal R4,00 NetBank internet banking R4,00 At a Nedbank ATM R4,00 Telephone Banking: Agent-assisted R8,00 Autotransfer processing fee 50% of standard service fees At a branch R56,00 plus service fee CHEQUE AND DEBIT CARD CHARGES Purchase at a tillpoint R4,00 Fuel purchase R4,00 Card replacement fee R50,00 BALANCE ENQUIRIES At a self-service terminal, by SMS, telephone, cellphone or internet banking At a Nedbank ATM At a branch 7 At another bank s ATM R4,00 At a Nedbank self-service device R1,50 At another bank s self-service device R4,00 One free per billing cycle thereafter R4,00 6 This fee is only applicable to MasterCard cards and is calculated at 2% of the transaction value. For example, if you swipe your card overseas for the rand equivalent of R500,00, the fee will be R10,00. 7 A billing cycle runs from the third-last business day of the month to the fourth-last business day of the following month. Your statement will reflect the fees for all transactions that you effected in the previous billing cycle. In other words, you are billed one month in arrears. 17

20 Small businesses Small Business Services Current Account continued LISTS NetBank internet banking - up to five years At a self-service terminal Transaction list up to five years 7 One free per billing cycle thereafter R5,00 Mini transaction list from a Nedbank ATM 7 One free per billing cycle thereafter R5,00 At a branch R10,00 Faxed transaction list via telephone banking R15,00 STATEMENTS A4 mailed 8 Copy of A4 statement at a branch 8 Electronic 8 One free per month One free per billing cycle thereafter R16,00 CELLPHONE TOPUPS At a Nedbank ATM At another bank s ATM R6,00 Via NetBank internet banking OTHER CHARGES No-funds alert R6,00 per SMS Certificate of balance R346,50 Copy of tax certificate Setup, amendment and cancellation of stop order Archived image of deposit slip/cheque on NetBank internet banking 8 For current account products you will automatically be mailed one (free) statement per month. For savings account products you will need to request a statement to be mailed and a fee will apply. 18

21 Small businesses Small Business Services Current Account continued OTHER CHARGES Denied transaction at a Nedbank ATM Denied transaction at another bank s ATM R5,00 Denied transaction at a Nedbank self-service device R2,00 Denied transaction at another bank s self-service device R2,50 Archived image of deposit slip/cheque/statement > 90 days obtained from a branch R11,00 Chequebook (40 cheques) R27,00 Stop-payment instruction R40,00 Letter of authority R50,00 Special clearance of a cheque deposited R75,00 plus 0,2% of in a branch the amount Honouring fee R90,00 Preparation of security documentation R160,00 Dishonoured payment due to insufficient funds R90,00, increasing to R120,00 per item for the fourth and subsequent items within 12-months 19

22 Small businesses Small Business Services Credit Card SERVICE FEES 1 MasterCard and American Express Card R19,25 monthly Nedbank Greenbacks R179,00 Supplementary card Garage card R189,00 Internet banking (monthly user) 2 R16,00 Once-off initiation R112,00 BALANCE ENQUIRIES Over the counter Nedbank ATM and self-service device (SSD) enquiry Saswitch ATM enquiry R4,00 Garage card fuel purchase R4,00 Card replacement R75,00 First free per cycle, thereafter R4,00 CASH WITHDRAWALS Nedbank ATM and SSD Saswitch ATM Over the counter International ATM 3 R3,50 plus R1,25 per R100,00 or part thereof R9,50 plus R1,25 per R100,00 or part thereof R25,00 plus R1,25 per R100,00 or part thereof R30,00 plus R1,25 per R100,00 or part thereof 1 For each card annual service fees are charged in arrear and an initiation fee equal to the card annual service fee will be applied on account opening. 2 The internet banking fee is charged only if this is the only Nedbank account. 20

23 More flexibility to manage your business expenses. Accepted locally and internationally. Earn rewards on your everyday expenses with the Nedbank Greenbacks Rewards Programme. DEPOSITS Cash (over the counter and Nedbank ATM) R5,00 plus R1,25 per R100,00 or part thereof, with a minimum of R17,00 Cheque (over the counter and Nedbank ATM) R13,50 TRANSFERS AND PAYMENTS Interaccount transfer 4 R4,00 Electronic payment 4 R4,00 Branch interaccount transfer R18,00 OTHER FEES Same-day card replacement service R375,00 Face-to-face delivery R150,00 International currency conversion (MC/Visa) 2% International currency conversion (Amex) 1,70% 3 All foreign exchange transactions attract a currency conversion fee. 4 Includes transfers and payments through SSTs, NetBank internet banking, Cellphone Banking WAP, SMS Banking, Telephone Banking: Agent-assisted and Telephone Banking: Self-service. 21

24 Credit Credit card Card type Monthly card fee Platinum 1 Garage R16,00 n/a Supplementary card fee (per card linked to account) PURCHASES Credit card Credit card budget facility VALUE-ADDED SERVICES Self-service subscription 2 R16,00 Transactional SMS notification DEPOSITS Cash (over the counter/nedbank ATM) Cheque (over the counter/nedbank ATM) R13,50 R5,00 plus R1,25 per R100,00, with a R17,00 minimum CASH WITHDRAWALS Over the counter R25,00 plus R1,25 per R100,00 Nedbank ATM R3,50 plus R1,25 per R100,00 Another bank s ATM R9,50 plus R1,25 per R100,00 International ATM 3 R30,00 plus R1,25 per R100,00 or part thereof PAYMENTS Interaccount transfer 4 R4,00 Electronic payment 4 R4,00 Fuel transaction 5 R4,00 Branch interaccount transfer R18,00 NOTIFICATIONS NetBank/Internet payment notification R0,55 NetBank/Internet payment notification SMS R0,70 Definitions Card fee a fee that is charged monthly in arrear by Nedbank for the cost of services rendered to you and for the ongoing maintenance of the account. Initiation fee a once-off fee you will be charged on entering into a credit agreement. 22

25 Nedbank credit cards are recognised locally and internationally. Provide the simplest and most efficient way to manage your money. Earn rewards on everyday spend by joining the Nedbank Greenbacks Rewards Programme. Garage card fee 5 (per card linked to account) Nedbank Greenbacks Rewards Programme annual fee Initiation fee R16,00 R112,00 n/a n/a R112,00 NOTIFICATIONS NetBank/Internet payment notification fax R3,00 BALANCE ENQUIRIES Nedbank ATM Another bank s ATM R4,00 NetBank internet banking STATEMENT ENQUIRIES Nedbank ATM Nedbank SST ed/Mailed statement OTHER FEES Dishonoured payment R125,00 Tracing Up to R377,00 Incorrectly disputed transaction (local or international) R150,00 OTHER CHARGES International currency conversion 3 2% Card replacement 6 R75,00 Face-to-face card delivery 6 R135,00 Same-day card delivery R375,00 Special clearance of cheque deposit inbranch R70,00 Transaction fees apply across all credit cards. 1 The Nedbank Greenbacks Rewards Programme annual service fee will be automatically charged to the Nedbank Greenbacks Credit Card. 2 Includes NetBank internet banking, Cellphone Banking WAP, SMS Banking, Telephone Banking: Agent-assisted and Telephone Banking: Self-service. 3 All foreign exchange transactions attract a currency conversion fee. 4 Includes transfers and payments through SSTs, NetBank internet banking, Cellphone Banking WAP, SMS Banking, Telephone Banking: Agent-assisted and Telephone Banking: Self-service. 5 This fee is only applicable to garage cards. 6 For Platinum cards this service is free. 23

26 Travel Foreign exchange 1 TRAVELLERS CHEQUE SALES (Buying from Nedbank) Commission 1,85% Minimum charge R70,00 TRAVELLERS CHEQUE PURCHASES (Selling to Nedbank) Travellers cheques repurchased Commission 1,85% Minimum charge R70,00 FOREIGN BANKNOTES (Purchases and sales) Commission 1,85% Minimum charge R60,00 AMEX PREPAID TRAVEL CARD Encashment of unused funds on Card Commission (buying from Nedbank) 1,85% Minimum charge R50,00 Initial Card fee 2 R114,00 FOREIGN DRAFTS Commission 0,80% Communication R100,00 Minimum charge R130,00 Stop-payment/Repurchase instruction R300,00 Maximum charge R700,00 1 Inclusive of VAT. 2 No Card fee for the period Sept 2012 to Dec 2013, thereafter the normal Card fee of R114,00 will apply. 24

27 Ask us about a wide range of foreign exchange products. All major currencies are available to suit your travel requirements. Whether it s for business or pleasure, we ll make sure your travel needs are met. INWARD TELEGRAPHIC TRANSFERS Amount over R2 000,00: Commission 0,485% Minimum charge R126,00 Maximum charge R630,00 Amount under R2 000,00: Pension payments 3 R42,00 Commission R79,00 Payment search (minimum) R174,00 OUTWARD TELEGRAPHIC TRANSFERS Commission 0,50% Communication R100,00 Minimum charge R124,50 Incorrect instructions (excluding foreign charges) R200,00 Maximum charge R686,50 PERSONAL FOREIGN CHEQUES Commission 0,65% Minimum charge R122,50 Unpaid advice plus foreign charges (excluding foreign charges) R150,00 Payment search R174,00 Maximum charge R630,00 OTHER CHARGES NEP form R27,00 3 Available on application. 25

28 Personal relationship banking Bundled account Personal Relationship Banking Bundle Account MONTHLY FEE Account maintenance fee 1 R269,00 CARDS AND REWARDS Platinum Cheque Card service fee (including lost-card protection) Cheque card: Nedbank Greenbacks linkage fee Garage debit card 50% off American Express Platinum charge card (including free priority pass) VALUE ADDED SERVICES SMS notifications (enote) Self-service banking: Subscription fee 2 Self-service terminal, Cellphone banking (SMS or WAP), Telephone (self-service or agent assisted) NetBank internet banking PAYMENTS ELECTRONIC By SMS, cellphone, telephone, internet or self-service terminal Debit order (internalor external) Stop order Payments - cheque INTERACCOUNT TRANSFERS By SMS, telephone, cellphone (WAP or agent-assisted), or internet banking At a Nedbank ATM or branch Autotransfer processing fee CHEQUE AND DEBIT CARD CHARGES Purchase at a tillpoint Fuel purchase Card replacement fee 26 BALANCE ENQUIRIES At a self-service terminal, by SMS, telephone, cellphone or internet banking At a Nedbank ATM or branch 1 A billing cycle runs from the third-last business day of the month to the fourth-last business day of the following month. Your statement will reflect the fees for all transactions that you effected in the previous billing cycle. In other words, you are billed one month in arrears. 2 Includes NetBank internet banking, Telephone Banking: Agent-assisted and Cellphone Banking WAP. SMS Banking and Telephone Banking: Self-service are free.

29 You get a dedicated and skilled relationship banker for you and your household. Ensure your financial fitness and that of your household with full access to financial advice. Enjoy free access to Bidvest s domestic Premier airport lounges with your Platinum card. Enjoy numerous free and unlimited transactions for a fixed monthly fee. LISTS NetBank internet banking - up to five years At a self-service terminal 3 Transaction list up to five years Mini transaction list from a Nedbank ATM or branch Faxed transaction list via telephone banking STATEMENTS A4 mailed 4 Copy of A4 statement at a branch Electronic 4 AIRTIME TOPUP At a Nedbank ATM or through internet Nedbank App Suite OTHER Certificate of balance Copy of tax certificate Setup, amendment and cancellation of stop order Archived image of deposit slip/cheque on NetBank internet banking Cheque book (40 pages) Overdraft facility fee 5 R20,00 for limits from R1,00 to R5 000,00; R30,00 for limits from R5 001,00 to R10 000,00; R50,00 for limits of R10 001,00 or more DEPOSITS Cash deposit at a Nedbank Branch 6 or Nedbank ATM at a Nedbank Intelligent Depositor ATM 6 R2,50 plus R0,63 per R100,00 or part thereof 3 One free per billing cycle, thereafter R4,00. 4 For current account products you will automatically be mailed one (free) statement per month. For savings account products you will need to request a statement to be mailed and a fee will apply. 5 Facility fees, while prescribed by the National Credit Act, may differ for internal banking segments. 6 Five free cash deposits per billing cycle, thereafter R4,00 plus R1,25 per R100,00 or part thereof. At a branch or ATM jointly. 27

BUILDING A BETTER LIFE

BUILDING A BETTER LIFE MAKE BUILDING A BETTER LIFE HAPPEN For more information: visit any Nedbank and speak to a friendly consultant; use SMS banking dial *120*001#; call 0860 555 111; or go to nedbank.co.za. CONTENTS Be more

More information

Choose the pricing option that suits you best

Choose the pricing option that suits you best Choose the pricing option that suits you best 2015 Pricing Guide Absa Bank Ltd Reg No 1986/004794/06 Authorised Financial Services Provider Registered Credit Provider Reg No NCRCP7 How transaction fees

More information

Life stage banking solutions for small business

Life stage banking solutions for small business Life stage banking solutions for small business Nedbank Small Business Services The perfect solution for your small business with Nedbank A life stage banking solution specially designed for small businesses.

More information

PEACE OF MIND MAKE HAPPEN

PEACE OF MIND MAKE HAPPEN MAKE PEACE OF MIND HAPPEN For more information: visit any Nedbank and speak to a consultant; go to nedbank.co.za; call 0860 555 111; or use the Nedbank App Suite TM. CONTENTS Make your money work harder.

More information

PRICING GUIDE 2016 Consolidator

PRICING GUIDE 2016 Consolidator 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

More information

Business Banking. Competitive banking solutions to help your business prosper. Business Current Accounts 2015 fee structure

Business Banking. Competitive banking solutions to help your business prosper. Business Current Accounts 2015 fee structure Business Banking Competitive banking solutions to help your business prosper Business Current Accounts 2015 fee structure Business Banking Cheque Account The Business Banking Cheque Account is the gateway

More information

Platinum Cheque Account, Islamic Platinum Cheque Account, One Account and Platinum Credit Card

Platinum Cheque Account, Islamic Platinum Cheque Account, One Account and Platinum Credit Card Platinum Cheque Account, Islamic Platinum Cheque Account, One Account and Platinum Credit Card Pricing Guide 1 July 2015-30 June 2016 First National Bank - a division of FirstRand Bank Limited. An Authorised

More information

2016 Pricing Guide. Authorised Financial Services Provider Registered Credit Provider Reg No NCRCP7

2016 Pricing Guide. Authorised Financial Services Provider Registered Credit Provider Reg No NCRCP7 2016 Pricing Guide Authorised Financial Services Provider Registered Credit Provider Reg No NCRCP7 How transaction fees work In short, you pay either a fixed fee or a sliding scale fee, sometimes called

More information

Choose the pricing option that suits you best

Choose the pricing option that suits you best Choose the pricing option that suits you best 2014 Pricing Guide Absa Bank Ltd Reg No 1986/004794/06 Authorised Financial Services Provider Registered Credit Provider Reg No NCRCP7 How transaction fees

More information

PRICING GUIDE 2015. Elite Banking. Moving Forward TM. Still bringing you real banking value

PRICING GUIDE 2015. Elite Banking. Moving Forward TM. Still bringing you real banking value PRICING GUIDE 2015 Elite Banking Still bringing you real banking value Moving Forward TM Elite Banking gives you value for money Elite Banking is specially designed to keep up with your lifestyle and growing

More information

Private Banking Fees 2014 PB 1

Private Banking Fees 2014 PB 1 ing Fees 2014 1 ing s market-leading, easy-to-use al, lending and investment solutions offer you comprehensive and flexible options with exceptional value-adds. Contents 1 Individual cheque accounts 4

More information

Young Professionals Private Banking

Young Professionals Private Banking Young Professionals Private Banking Be In touch through managing your own banking needs. Internet Banking/ Standard Bank Website Call the Private Banking Line Standard Bank App Cellphone Banking (*120*2345#)

More information

PRICING GUIDE 2015. Consolidator. Moving Forward TM. Still bringing you real banking value

PRICING GUIDE 2015. Consolidator. Moving Forward TM. Still bringing you real banking value PRICING GUIDE 2015 Consolidator Still bringing you real banking value Moving Forward TM Consolidator Current account fee options You can choose from three different fee options. 1. Pay as you transact

More information

PRICING GUIDE 2016 PROFESSIONAL BANKING. AlwaysOn wifi Private. Email

PRICING GUIDE 2016 PROFESSIONAL BANKING. AlwaysOn wifi Private. Email PRICING GUIDE 2016 PROFESSIONAL BANKING Google HangOuts WeChat Email AlwaysOn wifi Private VIRTUAL TEAM Professional Banking Fees for 2016 Standard Bank Professional Banking matches your needs as a successful

More information

Pricing Guide. Banking Specialist. Make banking choices to suit your financial needs. Unlimited Pricing. Pay-As-You-Use and Fee Saver.

Pricing Guide. Banking Specialist. Make banking choices to suit your financial needs. Unlimited Pricing. Pay-As-You-Use and Fee Saver. Pricing Guide Make banking choices to suit your financial needs We believe in giving you the choice of how you do your banking, so we don't charge you any subscription fees for Online Cellphone and Telephone

More information

PRICING GUIDE 2015. Credit card. Moving Forward TM. Still bringing you real banking value

PRICING GUIDE 2015. Credit card. Moving Forward TM. Still bringing you real banking value PRICING GUIDE 2015 Credit card Still bringing you real banking value Moving Forward TM Credit card fees Initiation fee R135,00 Monthly service fee AccessCredit R49,00 Accelerate Credit cards R49,00 Kaizer

More information

Business Current Accounts 2016 Fee Structure. Business Banking

Business Current Accounts 2016 Fee Structure. Business Banking Business Current Accounts 2016 Fee Structure Business Banking Business Banking Cheque Account The Business Banking Cheque Account is the gateway to your business relationship with Absa. This product allows

More information

PRICING GUIDE 2015. Prestige Banking. Moving Forward TM. Still bringing you real banking value

PRICING GUIDE 2015. Prestige Banking. Moving Forward TM. Still bringing you real banking value PRICING GUIDE 2015 Prestige Banking Still bringing you real banking value Moving Forward TM Prestige Banking is a banking solution for people that are serious about success Prestige Banking comprises of

More information

FREE monthly email statements. FREE subscription to FNB Cellphone Banking, Online Banking, and the FNB Banking App

FREE monthly email statements. FREE subscription to FNB Cellphone Banking, Online Banking, and the FNB Banking App FREE FNB Chip and PIN VISA debit card FREE card purchases (swipes) using your Chip and Pin VISA debit card Ÿ FREE online purchases and transactions using your VISA debit card " FREE subscription to Cellphone

More information

Make banking choices to suit your financial needs We believe in giving you the choice of how you do your banking, so we don't charge you any subscription fees for Online, Cellphone and Telephone Banking.

More information

PRICING GUIDE 2015. AccessBanking Fee sheet. Moving Forward TM. Still bringing you real banking value

PRICING GUIDE 2015. AccessBanking Fee sheet. Moving Forward TM. Still bringing you real banking value PRICING GUIDE 2015 AccessBanking Fee sheet Still bringing you real banking value Moving Forward TM AccessBanking Fee Sheet 2015 AccessAccount AccessAccount is a simple and affordable transactional account

More information

Pricing Guide 1 July 2008-30 June 2009. Private Clients

Pricing Guide 1 July 2008-30 June 2009. Private Clients Private Clients Pricing Guide 1 July 2008-30 June 2009 First National Bank a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). Pricing Guide 1. Unlimited

More information

Gold Cheque Account, Islamic Gold Cheque Account and Gold Credit Card

Gold Cheque Account, Islamic Gold Cheque Account and Gold Credit Card Gold Cheque Account, Islamic Gold Cheque Account and Gold Credit Card Pricing Guide 1 July 2015-30 June 2016 First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services

More information

Index. Personal Pricing Guide. Introduction 2. 4 Smart Account. Personal Cheque Account. 6 Sicalo Account. 8 UNISWA Student Account

Index. Personal Pricing Guide. Introduction 2. 4 Smart Account. Personal Cheque Account. 6 Sicalo Account. 8 UNISWA Student Account First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). Personal Pricing Guide July 2013 to June 2014 Index Introduction 2 Personal Cheque

More information

Choose the pricing option that suits you best

Choose the pricing option that suits you best Choose the pricing option that suits you best 2014 Complete Pricing Guide Absa Bank Ltd Reg No 1986/004794/06 Authorised Financial Services Provider Registered Credit Provider Reg No NCRCP7 How transaction

More information

FNB Credit Card offers the following FREE Value-added Services* : FNB Credit Card offers the following Rewards you can earn* :

FNB Credit Card offers the following FREE Value-added Services* : FNB Credit Card offers the following Rewards you can earn* : FNB is no longer just about credit, it has grown into the ultimate transactional tool giving you real value and benefits that make life rewarding with everyday savings. FNB offers the following FREE Value-added

More information

Pricing Guide. All prices include VAT and are effective as of the 1 st January 2015.

Pricing Guide. All prices include VAT and are effective as of the 1 st January 2015. Pricing Guide The Mercantile Bank Pricing Guide provides an overview of our pricing for 2015. This will help you make the right choices to suit your banking needs. All prices include VAT and are effective

More information

Pricing as at January 2016

Pricing as at January 2016 Standard Bank still gives you real value for money in 2016 One way to make the most of your business profit is to reduce your expenses. To help you with that, we have once again kept our annual pricing

More information

Pricing as at January 2014

Pricing as at January 2014 Transactional Accounts Pricing still gives you real value for money in 2014 One way to maximise your business profit is to minimise your business expenses. To help you with that, we have once again kept

More information

Pricing as at January 2015

Pricing as at January 2015 Transactional Accounts Pricing still gives you real value for money in 2015 One way to make the most of your business profit is to reduce your expenses. To help you with that, we have once again kept our

More information

2016 Pricing Guide. Authorised Financial Services Provider Registered Credit Provider Reg No NCRCP7

2016 Pricing Guide. Authorised Financial Services Provider Registered Credit Provider Reg No NCRCP7 2016 Pricing Guide Authorised Financial Services Provider Registered Credit Provider Reg No NCRCP7 How transaction fees work In short, you pay either a fixed fee or a sliding scale fee, sometimes called

More information

PRICING GUIDE 2016. Private Banking

PRICING GUIDE 2016. Private Banking PRICING GUIDE 2016 Private Banking Private Banking fees Standard Bank Private Banking matches your needs as a successful and highly accomplished individual with personalised financial solutions. A highly

More information

understand your bank fees.

understand your bank fees. understand your bank fees. Pricing Guide 1 July 2014-30 June 2015 account accounts 2014-2015 First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider

More information

understand your bank fees.

understand your bank fees. understand your bank fees. Pricing Guide 1 July 2015-30 June 2016 Home s 2015-2016 First National Bank of Swaziland - a subsidiary of FirstRand EMA Holdings Limited. A Licensed Financial Services Institution.

More information

Smart Banking. Get more value for your money, bank Smart with FNB Smart Account and Cheque Account. Consumer Pricing Guide 1 July 2013 to 30 June 2014

Smart Banking. Get more value for your money, bank Smart with FNB Smart Account and Cheque Account. Consumer Pricing Guide 1 July 2013 to 30 June 2014 First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). Consumer Pricing Guide 1 July 2013 to 30 June 2014 Smart Banking 997101 Mar13

More information

PRICING GUIDE 2016. (sum) 1 and Student Achiever Accounts

PRICING GUIDE 2016. (sum) 1 and Student Achiever Accounts PRICING GUIDE 2016 (sum) 1 and Student Achiever Accounts (sum) 1 fees for 2016 We know that while you are at school your cash is a bit limited. For this reason, the (sum) 1 account, which is an account

More information

PRICING GUIDE 2015. (sum) 1 and Student Achiever accounts. Moving Forward TM. Still bringing you real banking value

PRICING GUIDE 2015. (sum) 1 and Student Achiever accounts. Moving Forward TM. Still bringing you real banking value PRICING GUIDE 2015 (sum) 1 and Student Achiever accounts Still bringing you real banking value Moving Forward TM (sum) 1 fees for 2015 We realise that while you are at school your cash is a bit limited.

More information

Personal Cheque Account Rewards and Benefits

Personal Cheque Account Rewards and Benefits Personal Cheque Account Rewards and Benefits With your FNB Cheque Account, we have a host of rewards and benefits designed especially for you. Please note that the rules have changed, effective 1st July

More information

Premier Cheque, Premier Islamic Cheque, One Account & Premier Credit Card

Premier Cheque, Premier Islamic Cheque, One Account & Premier Credit Card Premier Cheque, Premier Islamic Cheque, One Account & Premier Credit Card Pricing Guide 1 July 2016 30 June 2017 First National Bank a division of FirstRand Bank Limited. An Authorised Financial Services

More information

get the most value from your private banking.

get the most value from your private banking. get the most value from your private banking. FNB Private Clients Pricing guide 1 July 2015 30 June 2016 Terms, conditions and rules apply. First National Bank - a division of FirstRand Bank Limited. An

More information

SMALL BUSINESS GROWTH

SMALL BUSINESS GROWTH MAKE SMALL BUSINESS GROWTH HAPPEN For more information go to nedbank.co.za or visit a branch to speak to a Nedbank consultant. PARTNERING FOR GROWTH 8586 Nedbank Small Business Brochure 200x200_Rev3.indd

More information

PRICING GUIDE 2016. PureSave, PlusPlan and MarketLink accounts

PRICING GUIDE 2016. PureSave, PlusPlan and MarketLink accounts PRICING GUIDE 2016 PureSave, PlusPlan and MarketLink accounts Fees for 2016 To get maximum value for money when using your account, it is important that you understand how fees are charged. By choosing

More information

Annual Pricing Review

Annual Pricing Review Annual Pricing Review Pricing guide 1 July 2015 30 June 2016 Terms, conditions and rules apply. RMB Private Bank, a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider.

More information

Investec Private Banking Fees 2016

Investec Private Banking Fees 2016 Investec Private Banking Fees 2016 Fee table: Private Bank Account Investec Private Banking Platinum Account Trainee Accountant Extra Guaranteed Accounts Multiple Accounts Electronic Only (EO) Accounts*

More information

Get exclusive value from banking with us.

Get exclusive value from banking with us. Private Wealth Get exclusive value from banking with us. Pricing guide 1 July 2015 30 June 2016 Terms, conditions and rules apply. First National Bank - a division of FirstRand Bank Limited. An Authorised

More information

Easy Account, Islamic Easy Account & Classic Credit Card

Easy Account, Islamic Easy Account & Classic Credit Card Easy Account, Islamic Easy Account & Classic Credit Card Pricing Guide 1 July 2016 30 June 2017 First National Bank a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider

More information

Personal Account. Pricing Guide. August 2011. how can we help you?

Personal Account. Pricing Guide. August 2011. how can we help you? Personal Account Pricing Guide August 2011 how can we help you? Personal Account Pricing Guide August 2011 how can we help you? FUTURE SAVE ACCOUNT Monthly Maintenance Fee Minimum balance P100.00 Monthly

More information

Encore Gold Cheque Account & Gold Credit Card

Encore Gold Cheque Account & Gold Credit Card Encore Gold Cheque Account & Gold Credit Card Pricing Guide 1 July 2016 30 June 2017 First National Bank a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).

More information

Personal Account. Pricing Guide. July 2013. how can we help you?

Personal Account. Pricing Guide. July 2013. how can we help you? Personal Account Pricing Guide July 2013 how can we help you? Introduction This Pricing Guide has been designed to assist you in understanding your bank charges and to help you make banking choices to

More information

COMMUNITY BUILDING PARTNERSHIPS

COMMUNITY BUILDING PARTNERSHIPS MAKING COMMUNITY BUILDING PARTNERSHIPS HAPPEN Understanding your needs At Nedbank we recognise that the public sector requires financial solutions that enable the broader mandate of service delivery. Acknowledging

More information

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

More information

PRICING GUIDE Prestige Banking

PRICING GUIDE Prestige Banking PRICING GUIDE 2016 Prestige Banking Prestige Banking is a banking solution for people that are serious about success Prestige Banking comprises of a holistic offering that caters for every stage of your

More information

1. Savings Accounts. DDA 81 - Super Save Account A card-based savings account for individuals. FNB Pricing Guide 2011/12

1. Savings Accounts. DDA 81 - Super Save Account A card-based savings account for individuals. FNB Pricing Guide 2011/12 1. Savings Accounts DDA 81 - Super Save Account A card-based savings account for individuals Minimum required balance: E200 Monthly Account Fee E5.00 Cash Withdrawals & POS Purchases Branch Local and International

More information

Fees and Charges Effective 17 April 2016

Fees and Charges Effective 17 April 2016 Effective 17 April 2016 Contents Saving money on your banking...1 Everyday accounts...2 Savings accounts... 3 Term Deposits and Foreign Currency Term Deposits...4 ANZ Freedom Years Package... 4 ANZ Migrant

More information

Smart Account, Islamic Smart Account and Classic Credit Card

Smart Account, Islamic Smart Account and Classic Credit Card Smart Account, Islamic Smart Account and Classic Credit Card Pricing Guide 1 July 2015-30 June 2016 First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit

More information

Life Start Student Account - For Registered Students

Life Start Student Account - For Registered Students Life Start Student Account For Registered Students The Life Start Student Account is available to registered full time students aged 18 to 25. At FNB we believe that as a student, managing your cash and

More information

Investec Private Banking fees 2015

Investec Private Banking fees 2015 Investec Private Banking fees 2015 Fee table: Private Bank Account Investec Private Banking Platinum Account Trainee Accountant Extra Guaranteed Accounts Multiple Accounts Electronic Only (EO) Accounts*

More information

get the most value from your business banking.

get the most value from your business banking. get the most value from your business banking. Pricing guide 1 July 2015 30 June 2016 Terms, conditions and rules apply. First National Bank - a division of FirstRand Bank Limited. An Authorised Financial

More information

Introduction 3. 2. Credit Card 24 a. Individual 24 b. Business 27

Introduction 3. 2. Credit Card 24 a. Individual 24 b. Business 27 Pricing Guide July 2010 - June 2011 Contents Introduction 3 1. Individual Pricing 5 a. Individual Cheque Account 5 i. Pay As You Use Option 5 ii. Unlimited Electronic Pricing Option (UEPO) 7 iii. Fee Saver

More information

BUILDING A BETTER LIFE

BUILDING A BETTER LIFE MAKE BUILDING A BETTER LIFE HAPPEN For more information: visit any Nedbank branch and speak to a friendly consultant; use SMS banking dial *120*001#; call 0860 555 111; or go to nedbank.co.za. CONTENTS

More information

Savings account product disclosures

Savings account product disclosures Savings account product disclosures NEDBANK TRANSACTOR ACCOUNT NEDBANK SAVINGS DEPOSIT NEDBANK 4ME DEZIGN SAVE ACCOUNT MARKET TRADER Page 1 of 6 OPTIMUM SAVINGS ACCOUNT CLUB ACCOUNT JUSTSAVE SAVE4ME MYPOCKET

More information

Fees and Charges A close look at our products and services. Everyday accounts. Saving money on your banking CONTENTS ANZ FREEDOM ANZ GO

Fees and Charges A close look at our products and services. Everyday accounts. Saving money on your banking CONTENTS ANZ FREEDOM ANZ GO and Charges A close look at our products and services CONTENTS Saving money on your banking... 1 Everyday accounts... 1 Packages... 2 Savings accounts... 5 Cards... 6 Foreign Currency Account... 9 Foreign

More information

Fees & Charges Deposit Accounts

Fees & Charges Deposit Accounts Fees & Charges Deposit s Effective Date 6 October 2014 Section A Section B Section C Section D Section E Section F Personal Fees & Charges Business Fees & Charges Other Fees & Charges Government Fees &

More information

Lending Fees & Charges

Lending Fees & Charges Lending Fees & Charges Effective Date: 1 July 2015 All credit fees and charges to any credit facilities regulated by the National Credit Code will be set out in the financial table of your credit contract.

More information

Do more and get more with ebucks Rewards for Business.

Do more and get more with ebucks Rewards for Business. Do more and get more with ebucks Rewards for Business. A rewards programme that has been reshaped with today s business owner in mind. ebucks Rewards for Business gives qualifying Business customers the

More information

save, and get your money to work harder for you.

save, and get your money to work harder for you. save, and get your money to work harder for you. Pricing Guide 1 July 2014-30 June 2015 997134APR14 Index Index Introduction Access Your Immediately Account fees Fees that apply when transferring money

More information

2015 Pricing Guide. Commercial Credit Cards

2015 Pricing Guide. Commercial Credit Cards 2015 Pricing Guide Commercial Credit Cards Still bringing you real value for money in 2015 We are pleased to announce that we have once again managed to keep our annual fee increases to a minimum. This

More information

Get the account that pays you back

Get the account that pays you back Get the account that pays you back Contents Banking just got better with Value Bundles 3 At the heart of your Platinum Value Bundle 4 Platinum Value Bundle 5 More benefits? Yes, please! 5 With our App,

More information

Partnering with you to grow your medical practice

Partnering with you to grow your medical practice Partnering with you to grow your medical practice BUSINESS BANKING 1 Your time is money. When you need to attend to other matters, you are not earning money. That is why we, at Nedbank Business Banking,

More information

ANZ CashBack. programme guide

ANZ CashBack. programme guide ANZ CashBack programme guide CashBack rewards you for purchases you make with your CashBack card. Using your card CashBack Rewards CashBack rewards you for purchases you make with your CashBack card.

More information

Do more and get more with ebucks Rewards for Business.

Do more and get more with ebucks Rewards for Business. Introduction A rewards programme that has been reshaped with today s business owner in mind. Do more and get more with ebucks Rewards for Business. ebucks Rewards for Business gives qualifying Business

More information

Code of Banking Practice and the Specific Code of Conduct

Code of Banking Practice and the Specific Code of Conduct PRODUCT DISCLOSURES FOR SPECIFIC CODE BUSINESS First National Bank, a Division of FirstRand Bank Limited. An Authorised Financial Services Provider. Registration No. 1929/001225/06 VAT Reg. No. 4210102051

More information

Fees and Charges A close look at our products and services. Everyday accounts. Saving money on your banking CONTENTS ANZ FREEDOM ANZ GO

Fees and Charges A close look at our products and services. Everyday accounts. Saving money on your banking CONTENTS ANZ FREEDOM ANZ GO and Charges A close look at our products and services CONTENTS Saving money on your banking... 1 Everyday accounts... 1 Packages... 3 Savings accounts... 5 Cards... 5 Foreign Currency Account... 8 Foreign

More information

Fees & Charges. Effective 1 July 2015

Fees & Charges. Effective 1 July 2015 Effective 1 July 2015 Contains for Personal Transaction and Savings Accounts, Term Investment Accounts, Business Transaction and Savings Accounts, Loans and Access Facilities (including EFT Access Facilities).

More information

Retail Banking and Wealth Management Fees and Charges. with effect from 1 October 2013

Retail Banking and Wealth Management Fees and Charges. with effect from 1 October 2013 Retail Banking and Wealth Management Fees and Charges with effect from 1 October 2013 About this guide At HSBC we want to make it easy for you to know what fees and charges apply to the HSBC financial

More information

HSBC Premier provides personal support to help you manage your personal economy. Our success is measured by how well we meet your needs

HSBC Premier provides personal support to help you manage your personal economy. Our success is measured by how well we meet your needs HSBC Premier provides personal support to help you manage your personal economy. Our success is measured by how well we meet your needs 1 HSBC Premier eligibility requires you to have an active HSBC Premier

More information

Only by combining all the right elements do you get the best investment results.

Only by combining all the right elements do you get the best investment results. Only by combining all the right elements do you get the best investment results. BUSINESS BANKING 1 Nedbank Business Banking offers a full range of financial and advisory services to large and medium-sized

More information

stay in charge of your Savings & Investments fees.

stay in charge of your Savings & Investments fees. stay in charge of your Savings & Investments fees. FNB Savings & Investments Pricing Guide 1 July 2015-30 June 2016 First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services

More information

Lending Fees and Charges. Effective from 20 July 2015.

Lending Fees and Charges. Effective from 20 July 2015. Lending Fees and Charges Effective from 20 July 2015. About this brochure These fees and charges are applicable at the time of printing and are subject to change. We recommend you confirm that you have

More information

Personal Savings Bank Accounts. Fees and Charges

Personal Savings Bank Accounts. Fees and Charges Personal Savings Bank Accounts Fees and Charges ABN 63 087 651 849 AFSL & Australian Credit Licence No. 246884 Effective Date 25 June 2015 Goldfields Money's Vision - A Fair Cost of Banking Services Goldfields

More information

2013 Service and Price Guide

2013 Service and Price Guide Service and Price Guide Effective October, 2013. 2013 Service and Price Guide All fees and charges are subject to 10% excise duty Standard Chartered Bank Kenya Limited is regulated by the Central Bank

More information

Consumer & Business Pricing Addendum

Consumer & Business Pricing Addendum Consumer & Business Pricing Addendum This addendum contains important product and pricing information. Please retain for your records. Effective June 29, 2012 1, 2, 3, 4 Overdraft Item Paid $15.00 or less

More information

Designed with you in mind

Designed with you in mind Personal Banking Employee Banking Solutions Designed with you in mind For more information on Employee Banking Solutions, additional value added services and employee discounts, visit the Employee Banking

More information

General Tariff. Issue Date: December 2015

General Tariff. Issue Date: December 2015 Current and Savings Accounts Cheques returned unpaid by us Refer to Drawer 25.00 per cheque Any other reason 5.00 per cheque Stopped Cheques (applicable whether stop instructions are for one cheque or

More information

BankSA Transaction, Savings and Investment Accounts. Fees and Charges and how to minimise them.

BankSA Transaction, Savings and Investment Accounts. Fees and Charges and how to minimise them. BankSA Transaction, Savings and Investment s. Fees and Charges and how to minimise them. Effective Date: 5 December 2015 Important Note: Information in this booklet is current as at the date of this booklet

More information

Lending Fees and Charges. Effective from 20 May 2016

Lending Fees and Charges. Effective from 20 May 2016 Lending Fees and Charges Effective from 20 May 2016 2 Suncorp Bank About this brochure These fees and charges are applicable at the time of printing and are subject to change. We recommend you confirm

More information

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

More information

QTMB Fees and Charges. Prepared and effective on 13 January 2014

QTMB Fees and Charges. Prepared and effective on 13 January 2014 QTMB Fees and Charges Prepared and effective on 13 January 2014 Introduction At QTMB, you can have as many accounts as you like under the one membership, with the benefits of one statement, one membership

More information

Business Banking. Our business is banking, what s yours?

Business Banking. Our business is banking, what s yours? Business Banking Our business is banking, what s yours? You have picked up this brochure because you either have your own business or are planning on starting up on your own. At Bank of Ireland, we have

More information

Should you have any queries, contact Discovery Insure on 0860 751 751 or email insureinfo@discovery.co.za.

Should you have any queries, contact Discovery Insure on 0860 751 751 or email insureinfo@discovery.co.za. Your use of the Young Adult benefit Rewards Card, which is issued by Bidvest, is subject to these terms and conditions and your use of the card constitutes an agreement between you, the cardholder, and

More information

Westpac Everyday Banking. Transaction and service fees.

Westpac Everyday Banking. Transaction and service fees. Westpac Everyday Banking Transaction and service fees. As at 19 November 2015 Hints to reduce account costs Online banking With online banking, access is free and you have control to pay your bills, view

More information

INVESTMENT OPPORTUNITIES

INVESTMENT OPPORTUNITIES MAKING INVESTMENT OPPORTUNITIES HAPPEN 1 Making investment opportunities happen Corporate Saver is a userfriendly, internet-based administration system designed to enhance Nedbank s business relationship

More information

Westpac Everyday Banking. Transaction and service fees.

Westpac Everyday Banking. Transaction and service fees. Westpac Everyday Banking Transaction and service fees. As at 30 July 2015 Hints to reduce account costs Online banking With online banking, access is free and you have control to pay your bills, view your

More information

SCHEDULE OF CHARGES HSBC PREMIER, HSBC ADVANCE AND PERSONAL BANKING

SCHEDULE OF CHARGES HSBC PREMIER, HSBC ADVANCE AND PERSONAL BANKING SCHEDULE OF CHARGES HSBC PREMIER, HSBC ADVANCE AND PERSONAL BANKING New schedule of charges is effective 1 January 2015. Applicable to HSBC Bank Egypt only General Conditions: 1- The Bank reserves the

More information

FAQs FOR CREDIT CARDS. al khaliji France FAQs for Credit Cards

FAQs FOR CREDIT CARDS. al khaliji France FAQs for Credit Cards FAQs FOR CREDIT CARDS FAQs for Credit Cards Card basics 03 Managing your credit limit 03 Using your card 04 Paying your bills 05 If there are problems 06 Fees & charges 06 Other benefits 06 02 1. Card

More information

CLASSIC ACCOUNT PLAY I VE GOT THE CONFIDENCE TO DO WHAT I WANT

CLASSIC ACCOUNT PLAY I VE GOT THE CONFIDENCE TO DO WHAT I WANT CLASSIC ACCOUNT PLAY I VE GOT THE CONFIDENCE TO DO WHAT I WANT Classic Account Contents Welcome 1 Your Lloyds Bank Visa debit card 2 Ways to bank 4 Money Manager 8 Moving your money 10 Using cheques 12

More information

SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES

SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES Credit Union Australia Limited (ABN 44 087 650 959) SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES Prepared 7 January 2016 At CUA, we regularly review our fees to ensure we remain competitive

More information