Private Banking Fees 2014 PB 1

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1 ing Fees

2 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 Your dedicated er works closely with a host of specialists (financial 2 Individual credit cards 18 advisers, fiduciary specialists and offshore banking specialists) to provide you with a single point of entry to cater for all your financial and wealth creation needs. 3 Non-individual cheque accounts 24 This brochure sets out the most important fees that will come into effect on 1 January Individual & non-individual lending accounts 36 If you require additional information about these fees or would like to find out how our range of specialist products and services can work for you, please speak to your er. 5 Private Assist 38 6 Other Absa products 39 Call your er or Private Assist on or [email protected] 7 Take-me-Home Service

3 1 Individual cheque accounts - an overview Exceller Package Marhaba Package Cheque Seniors Cheque Electronic Basic monthly fee Management Fee R345,00 R285,00 R180,00: <30 s R235,00 R270,00: 31+ s Service Fee R70,00 + fee per R70,00 + fee per Fee concession Number of electronic s included fee concession to value of R500 per month ¹ unlimited unlimited unlimited levied unlimited unlimited Branch s levied levied levied levied levied levied Credit interest paid Internet, cellphone & telephone banking monthly fee Internet, cellphone & telephone banking s levied levied Credit card monthly fee Credit card s R57,00 R57,00 R57,00 R57,00 levied levied levied levied Absa Rewards R21,00 R21,00 R21,00 R21,00 This product is for you if you are an... individual individual requiring a Shari ah compliant offer individual individual individual aged 55 plus with R100k on-balance sheet investment with Absa discontinued - not on sale ¹ Fee concession on selected s will be available if a minimum monthly investment amount is maintained throughout the month. If this minimum investment amount is not maintained, standard fees as depicted, will be levied. The investments must be maintained in Absa to obtain concessions, for example: ing Money Market Notice Select 4 Depositor Plus 5

4 1 Individual Cheque s Exceller & Marhaba Packages Cheque Seniors Cheque Electronic Absa Rewards Monthly subscription fee R21,00 levied levied levied levied Cash back earn rate tiered 1,00% tiered tiered tiered tiered Deposits Cheque deposit: Absa ATM Branch counter R14,00 levied levied Cash deposit: Absa ATM R3,00 + R1,25/R100 levied Branch counter R6,20 + R1,35/R100 levied levied levied levied levied Cardless deposits at Absa ATM R5,25 + R1,25/R100 levied levied levied levied levied Cash Withdrawals Branch counter R33,00 + R1,40/R100 (max R500) levied levied Local Point of sale R3,95 levied levied Absa ATM R3,95 + R1,25/R100 levied Absa-supported ATM (Triton device) R6,95 + R1,25/R100 levied levied levied levied Saswitch ATM R9,95 + R1,25/R100 levied levied levied levied International ATM/ Point of sale R50,00 levied levied 6 7

5 1 Individual Cheque s (cont.) Exceller & Marhaba Packages Cheque Seniors Cheque Electronic Purchases Prepaid Top-up: Absa ATM/Point of sale R1,00 levied levied Point of Sale: Local R3,85 levied International R9,75 + R0,75/R100 (max R45) levied levied Payments & Funds Transfers Payments: Absa ATM R7,50 levied Branch counter R33,00 levied levied Funds Transfers: Absa ATM Branch counter R33,00 levied levied Debit & Stop orders: Internal stop order External stop order Internal debit order External debit order R15,00 levied CashSend at Absa ATM R7,90 + R1,25/R100 levied 8 9

6 1 Individual Cheque s (cont.) Exceller & Marhaba Packages Cheque Seniors Cheque Electronic Cheques Cheques issued R33,00 levied levied levied levied levied Bank branch counter R75,00 levied levied levied levied levied Cheque encashment Balance Enquiries R33,00 + R1,40/ R100 (max R500) plus R33,00 per cheque levied levied levied levied levied Branch counter R2,45 levied levied levied levied levied Absa ATM R1,00 levied Absa-supported ATM (Triton device) R2,95 levied levied levied levied Saswitch ATM R3,35 levied levied levied levied Local Point of Sale R1,00 levied levied levied levied International ATM/Point of Sale R4,00 levied levied levied levied levied Statement Fees estatement Posted Statement R14,00 levied levied levied levied levied Absa ATM: Ministatement R2,50 levied Full statement R5,00 levied levied Branch Counter: Ministatement R7,00 levied levied levied levied levied Full statement R14,00 levied levied levied levied levied 10 11

7 1 Individual Cheque s (cont.) Exceller & Marhaba Packages Cheque Seniors Cheque Electronic Copies of Statements: 1 4 months R14,00 levied levied levied levied levied 4 + months R34,00 levied levied levied levied levied Administration Fees Stop payment instruction R30,00 levied levied levied levied levied Stop order establishment/ amendment Cheque special clearance R75,00 levied levied levied levied levied Debit card replacement R60,00 levied levied levied levied Priority Pass card replacement R60,00 levied Other Fees Airport Lounge Access: Credit Card Priority Pass card NotifyMe (sms or ): To Bidvest Premier lounges 1st six visits no charge then $33 per visit to Priority Pass affiliated lounges (n/a to Marhaba Package) 1st six visits no charge then $33 per visit to Priority Pass affiliated lounges al account R0,50 levied Credit card account R0,50 Overdraft Ledger Fee (pm): If overdraft provided R18,00 (n/a to Marhaba Package) (n/a to Marhaba Package) levied levied levied levied levied levied levied levied If unauthorised overdraft R57,00 levied levied levied levied levied 12 13

8 1 Individual Cheque s (cont.) Exceller & Marhaba Packages Cheque Seniors Cheque Electronic Dishonoured / Returned Payment / RD Cheque Declined Fee: R60,00 increasing to R138 per from the 4th occurrence within 12 months levied levied levied levied levied Absa ATM R2,50 levied levied levied levied levied Absa-supported ATM (Triton device) R3,00 levied levied levied levied levied Saswitch ATM R4,00 levied levied levied levied levied Local Point of sale R2,00 levied levied levied levied levied International ATM/ Point of sale Returned Cheque Deposit / Cheque Deposit Unpaid R4,00 levied levied levied levied levied R75,00 levied levied levied levied levied Chequebook varies levied levied levied levied levied Internet, Telephone & Cellphone Banking Monthly Subscription Fee Prepaid Top-up Purchases R1,00 levied levied levied levied levied & Beneficiary Payments Immediate Interbank Payments R7,50 or R14,50 if Adviser-assisted on telephone R11,00 + R1,05/R100 (max R65) or R18,00 + R1,05/R100 (max R65) if Adviser-assisted on telephone levied levied levied levied levied levied levied levied levied 14 15

9 1 Individual Cheque s (cont.) Exceller & Marhaba Packages Cheque Seniors Cheque Electronic CashSend R7,90 + R1,25/R100 levied levied levied levied levied Funds Transfers Balance Enquiries or R2,45 if Adviserassisted on telephone History internet - telephone: advisor-assisted - R14,00 IVR - - R2,00 fax - R6.50 cellphone: sms - R0,75 - R0,75 fax - R3,00 levied levied levied levied levied levied levied levied Internet Banking Notifications (Incl. RVN, TVN and Logon Alert) Notice of Payments or Reminders sms - - sms - R0,75 levied levied levied levied levied - R0,75 fax - R3,00 Archived Statements R5,50 per statement levied levied levied levied levied Stop Payments R30,00 levied levied levied levied Exempt - A fee for this will not be levied if the prescribed minimum balance is maintained in an Absa Investment throughout the month. If the prescribed minimum balance is not maintained, standard fees as well as the monthly account fee will be levied 16 17

10 2 Individual Credit Cards World MasterCard Credit Card Visa Credit Card MasterCard Credit Card Monthly Fee Credit card R57,00 levied levied Secondary credit card Garage card Deposits Cheque Deposit: Absa ATM Branch counter R14,00 levied levied levied Cash Deposit: Absa ATM R3,00 + R1,25/R100 levied levied levied Branch counter R6,20 + R1,35/R100 levied levied levied Cash Withdrawals Branch counter Point of Sale R3,95 levied levied levied Absa ATM Absa-supported ATM (Triton Device) R6,95 + R1,25/R100 levied levied levied Saswitch ATM R9,95 + R1,25/R100 levied levied levied International ATM R50,00 levied levied levied 18 19

11 2 Individual Credit Cards (cont.) World MasterCard Credit Card Visa Credit Card MasterCard Credit Card Payments & Funds Transfers Payments: Absa ATM Branch counter R33,00 levied levied levied Funds Transfers: Absa ATM Branch counter R33,00 levied levied levied Balance Enquiries Branch counter R2,45 levied levied levied Absa ATM Absa-supported ATM (Triton Device) R2,95 levied levied levied Saswitch ATM R3,35 levied levied levied Point of Sale R1,00 levied levied levied International ATM R4,00 levied levied levied Statement Fees estatement Posted Statement R14,00 levied levied levied Absa ATM: Ministatement Full statement R5,00 levied levied levied 20 21

12 2 Individual Credit Cards (cont.) World MasterCard Credit Card Visa Credit Card MasterCard Credit Card Branch Counter: Ministatement R7,00 levied levied levied Full statement R14,00 levied levied levied Duplicate Statements: Per request plus R5,00 levied levied levied Per page R1,00 max R50,00 levied levied levied Administration Fees Initiation fee R135,00 levied levied Face-to-face card delivery Special request - Same-day card delivery R314,00 levied levied levied Lost card administration R110,00 levied levied levied Lost card replacement R110,00 levied levied levied NotifyMe (sms or ) R0,50 levied levied Unpaid debit order / cheque R95,00 levied levied levied Invalid Dispute: Domestic s R42,00 levied levied levied International s R113,00 levied levied levied Currency conversion fee % of rand value of 2,25% 2,75% 2,75% 22 23

13 3 Non-Individual Cheque s Practice Management Cheque Trust Cheque Basic Monthly Fee Management Fee R500,00 Service Fee R70,00 + fee per R85,00 + fee per Number of electronic s included unlimited levied levied Credit interest tiered Internet, cellphone & telephone banking monthly fee levied levied levied Internet, cellphone & telephone banking s levied levied levied Credit card monthly fee levied levied Credit card s levied levied This product is for you if you are a... sole proprietor + professional practice sole proprietor + professional practice trust 24 25

14 3 Non-Individual Cheque s Practice Management Cheque Trust Cheque Deposits Cheque Deposit: Absa ATM Branch counter R14,00 levied Cash Deposit: Absa ATM R3,00 + R1,25/R100 levied Branch counter R6,20 + R1,35/R100 levied levied levied Cardless deposits at Absa ATM R5,25 + R1,25/R100 levied levied levied Cash Withdrawals Branch counter R33,00 + R1,40/R100(max R500) levied Local Point of sale R3,95 levied Absa ATM R3,95 + R1,25/R100 levied Absa-supported ATM (Triton device) R6,95 + R1,25/R100 levied levied levied Saswitch ATM R9,95 + R1,25/R100 levied levied levied International ATM/Point of sale R50,00 levied Purchases Prepaid Top-up: Absa ATM/Point of sale R1,00 levied levied levied Point of sale: Local R3,85 levied International R9,75 + R0,75/R100 (max R45) levied 26 27

15 3 Non-Individual Cheque s (cont.) Practice Management Cheque Trust Cheque Payments & Funds Transfers Payments: Absa ATM R7,50 levied Branch counter R33,00 levied Funds Transfers: Absa ATM Branch counter R33,00 levied Debit & Stop orders: Internal stop order External stop order Internal debit order External debit order R15,00 levied CashSend at Absa ATM R7,90 + R1,25/R100 levied Cheques Cheques issued R33,00 levied levied levied Bank branch counter R75,00 levied levied levied Cheque encashment R33,00 + R1,40/R100 (max R500) plus R33,00 per cheque levied levied levied 28 29

16 3 Non-Individual Cheque s (cont.) Practice Management Cheque Trust Cheque Balance Enquiries Branch counter R2,45 levied levied levied Absa ATM R1,00 levied Absa-supported ATM (Triton device) R2,95 levied levied levied Saswitch ATM R3,35 levied levied levied Local Point of Sale R1,00 levied levied levied International ATM/Point of Sale R4,00 levied levied levied Statement Fees estatement Posted statement R14,00 levied levied levied Absa ATM: Ministatement R2,50 Full statement R5,00 levied Branch Counter: Ministatement R7,00 levied levied levied Full statement R14,00 levied levied levied Copies of Statements: 1 4 months R14,00 levied levied levied 4 + months R34,00 levied levied levied 30 31

17 3 Non-Individual Cheque s (cont.) Practice Management Cheque Trust Cheque Administration Fees Stop payment instruction R70,00 levied levied levied Stop order establishment / amendment Cheque special clearance R75,00 levied levied levied Debit card replacement R60,00 levied levied levied Other Fees NotifyMe (sms or ): al account R0,50 levied levied levied Credit card account R0,50 levied levied levied Overdraft Ledger Fee (pm): If overdraft provided R18,00 levied levied levied If unauthorised overdraft R57,00 levied levied levied Declined Fee: Absa ATM R2,50 levied levied levied Absa-supported ATM (Triton device) R3,00 levied levied levied Saswitch ATM R4,00 levied levied levied Local Point of sale R2,00 levied levied levied International ATM/Point of sale R4,00 levied levied levied Returned Cheque Deposit / Cheque Deposit Unpaid R75,00 levied levied levied Chequebook varies levied levied levied Dishonoured / returned payment / RD cheque R60,00 increasing to R138 per from the 4th occurrence within 12 months levied levied levied 32 33

18 3 Non-Individual Cheque s (cont.) Practice Management Cheque Trust Cheque Internet, Telephone & Cellphone Banking Monthly Subscription Fee R110,00 levied levied levied Prepaid Top-up purchases R1,00 levied levied levied & Beneficiary Payments Immediate Interbank Payments R6,90 or R14,50 if Adviser-assisted on telephone R13,50 + R1,00/R100 (max. R70) or R18,00 + R1,05/R100 (max R70) if Adviser-assisted on telephone levied levied levied levied levied levied CashSend R7,90 + R1,25/R100 levied levied levied Funds Transfers R5,50 levied levied levied Balance Enquiries or R2,45 if Adviser-assisted on telephone History internet - telephone: advisor-assisted R14,00; IVR - ; - R2,00; fax - R6.50 cellphone: sms - R0,75; - R0,75; fax - R3,00 levied levied levied levied levied levied Internet Banking Notifications (incl. RVN, TVN and logon alert) sms - - Notice of Payments or Reminders sms - R0,75 levied levied levied - R0,75 fax - R3,60 Archived Statements R6,30 per statement levied levied levied Stop Payments R70,00 levied levied levied 34 35

19 4 Individual & Non-Individual Lending s Structured Loan One Loan Practice Management Loan Basic Monthly Fee for al account: Exceller Package linked R415,00 R415,00 Cheque linked R410,00 R410,00 Electronic linked R485,00 Practice Management linked R550,00 R550,00 Basic Monthly Loan R57,00 R57,00 R57,00 This product is for you if you are an... individual + sole proprietor + professional practice + trust individual professional practice 36 37

20 5 Private Assist 6 Other Absa Products Private Assist is your dedicated point of contact for all your day-to-day banking and service-related requirements and for your convenience, you can contact them 24/7. No-charge services include: al queries via telephone Answers to general banking questions Provision of statements and tax certificates Assistance with visa letters Pricing Pricing on other Absa products and services is published on absa.co.za. This includes pricing for the following products: Savings and Investment s Home Loans Vehicle and Asset Finance Other Absa al and Current s International Banking and non-resident fees Amendments to variable payment requests Reversal of debit orders and stop payment requests Settlement amounts for vehicle and asset finance agreements 7 Take-me-Home Service Copies of NaTIS documents Enquiries on your home loan Take-me-Home Service is a designated driver service that makes sure you and your car get home safely when you are not able to drive. Call to book or enquire about this service. Terms and conditions apply

21 Disclaimer Fees quoted in this brochure are valid from 1 January Fees include 14% VAT and are subject to change at the discretion of Absa after giving at least 30 days notice of these changes on the Absa website, via ATM or statement messages. Absa is entitled to, immediately and without notice, for each product or service offered to individual clients, change the fees to such fees as are applicable to the same or similar business products and services offered to business clients, if there is proof that an individual product is used for business purposes, or used in any way that is not allowed by the product terms or rules. This may also result in clients having to pay additional fees or the product or service could even be terminated. From 1 November 2011, the Standard Rebate option for clients on Cheque s was discontinued. If an alternative fee structure is not agreed upon and becomes effective from 1 February 2014, Absa will, immediately and without further notice, change the fees to ing Cheque Service Fee option, effective 1 February Terms and conditions apply. 40

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