How To Use Nedbank Online Banking On A Bank Card On A Nedbok Account On A Pc Or Macbook Or Ipa (For A Credit Card) On A Mobile Phone Or Ipad Or Ipam (For An Android)

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1 Nedbank Internet Banking User Guide

2 Table of contents 1 Application for internet banking 3 2 Logon first-time user 3 3 Logon existing user 3 4 All balances 3 5 Balance enquiry 4 6 Statements 4 7 Statements images 4 8 Statements export 4 9 Foreign exchange rates 4 10 SMS authorisation 5 What is SMS authorisation? 5 How does it work? 5 How to apply for the SMS facility 5 Important information 5 11 Payments 5 12 Payments my beneficiary list 6 13 Payments bank-approved beneficiary 6 14 Payments once-off to another Nedbank or Old Mutual Bank account 6 15 Payments once-off to a credit card 6 16 Payments once-off to a bank-approved beneficiary 7 17 Payments once-off to an account with another bank 7 18 Transfers 8 19 Transfers making transfers 8 20 Beneficiaries 8 21 Addition of a new beneficiary Nedbank or Old Mutual Bank account 8 22 Addition of a new beneficiary credit card 8 23 Addition of a new beneficiary account with another bank 9 24 Addition of a bank-approved beneficiary 9 25 Maintenance of beneficiaries change beneficiary 9 26 Maintenance of beneficiaries delete beneficiary Admin change PIN Admin change password Admin maintain accounts Admin maintain limits Admin order chequebook Terms and conditions Contact details Help Logoff 11 2

3 1 Application for internet banking If you have a Nedbank current, savings account or credit card, you can apply for access to our Digital Banking channels in the following ways: Complete a Digital Banking application form at any Nedbank branch. Please ensure that you take your identity document with you. The branch will issue you with the following: A Digital Banking profile number. A temporary PIN this PIN must be changed to a permanent PIN within six days of issue. A temporary PIN may be changed to a permanent PIN via telephone banking, SSTs or internet banking. Alternatively, you can complete the application form on the Nedbank website ( and one of our consultants will contact you. You will be issued with the following: A Digital Banking profile number. A temporary PIN this PIN must be changed to a permanent PIN within six days of issue. You will be able to log on to internet banking and view your balances and statements. However, for security reasons your payment/transfer limit will be set atr1, 00. You will need to visit your branch to increase these limits in order to make payments and transfers. Please ensure that you take your identity document with you. 2 Logon first-time user To log on to internet banking as a first-time user: Enter your profile number. Enter your four-digit PIN. Click 'logon'. You will then be prompted to create a Password. Once you have successfully created your password, you will be presented with the 'electronic payment terms and conditions', which you will need to either 'decline' or 'accept'. You will then proceed to the 'all balances' screen. 3 Logon existing user To log on to internet banking as an existing user: Enter your profile number. Enter your four-digit PIN. Enter your password. Click 'logon'. The 'all balances' screen will be displayed. 4 All balances The 'all balances' screen displays all the accounts linked to your profile with the current and available balances. Note: Accounts must be added to your profile at a branch. You can also view all beneficiaries linked to your profile by clicking on the 'I want to see my beneficiaries on this page as well' hyperlink. By clicking on the 'current or available balance' you get a detailed balance for that specific account. By clicking on the 'account number' column the current statement for that specific account will be 3

4 displayed. You can also sort your list of accounts or beneficiaries by clicking on any of the column headings (please note that this sort will apply only for the current session). 5 Balance enquiry To view a balance on a selected account: Select 'enquiries' from the main menu. Select 'balances' from the dropdown menu. Select the account. The balance for the selected account will be displayed. 6 Statements To view a statement on a selected account: Select 'enquiries' from the main menu. Select 'statements' from the dropdown menu. Select the account. The statement for the selected account will be displayed. You can 'browse statements' using the 'Previous' or 'Next' options, 'Search by date' or 'Search by statement number'. 7 Statements images To view images related to a transaction: Select 'enquiries' from the main menu. Select 'statements' from the dropdown menu. Select the account (the statement for the selected account will be displayed). Click on the hyperlinked transaction within the statement (the image for the selected transaction will be displayed). You can view the reverse of the image, as well as any related images. 8 Statements export To export a statement on a selected account: Select 'enquiries' from the main menu. Select 'statements' from the dropdown menu. Select the account. The statement for the selected account will be displayed. Click on the 'select to export' dropdown list. Select the required format from the list provided: o CSV Download Text to Excel o OFC Download for MS-Money o QIF Download for Quicken o QIF Download for Quicken XG o OFX Download for MS-Money The statement will be exported to the selected format. 9 Foreign exchange rates You are able to view foreign exchange rates for the top 25 currencies: Select 'enquiries' from the main menu. Select 'forex rates' from the dropdown menu. 4

5 A list of exchange rates for the top 25 currencies will be displayed. (Please note that these rates are an indication only.) You can use the foreign exchange calculator to assist you with conversions (e.g. rands to dollars). 10 SMS authorisation What is SMS authorisation? SMS authorisation offers you additional security when making once-off payments and/or adding beneficiaries to your profile. SMS authorisation is required for selected transactions before they can be completed and is not a 'notification' of completed transactions giving you peace of mind knowing that your transactions are secure. How does it work? Once the SMS facility has been activated on your profile, an eight-digit alphanumeric reference number will be sent to your cellphone whenever you make once-off payments and/or add beneficiaries. Before you can confirm the transaction, a reference number will be sent to your cellphone via SMS. You will need to enter the reference number in the input field on screen to be able to proceed with the transaction. How to apply for the SMS facility To receive the reference number via SMS you need to have a cellphone and a valid cellphone number and will have to do the following to have the service activated: Visit your nearest branch. Have your identity document and cellphone number on hand. Complete the necessary documentation. Allow 24 hours for the SMS security indicator to be activated on your profile before attempting a transaction, which will require SMS authorisation. Important information Only one SMS reference number is generated and required per online banking session, irrespective of the number of once-off payments made or beneficiaries added. Reference numbers are unique per banking session, and the same reference number will never be generated more than once. If the reference number is entered incorrectly three times, the SMS facility will be deactivated. You will have to reactivate it at a branch. Clients will not be charged for activating the SMS facility or for generating reference numbers via SMS. SMS authorisation applies only to once-off payments above the daily once-off payment limit and when adding beneficiaries. Inter account transfers and payments to beneficiaries already loaded on the profile are not affected. 11 Payments Payments can be made from selected accounts linked to your profile to: beneficiaries on your list (e.g. your doctor); and bank-approved beneficiaries (e.g. Edgars, Telkom, etc). Once-off payments can be made from selected accounts on your profile to: other Nedbank or Old Mutual Bank accounts; a credit card; and an account with another bank. Note: For all once-off payments you will need to have the SMS authorisation facility activated at your branch. Proof-of-payment confirmation can be printed once the transaction has been completed. It is not possible to retrieve this confirmation at a later stage. 5

6 12 Payments my beneficiary list To make a payment to a linked beneficiary: Select 'payments' from the main menu. Select the account to pay from. Select 'my beneficiary list'. Select the beneficiary. Enter the amount. Click 'make payment'. Click 'confirm payment'. 13 Payments bank-approved beneficiary To make a payment to a bank-approved beneficiary: Select 'payments' from the main menu. Select the account to pay from. Select 'bank-approved beneficiary'. Select the first letter of beneficiary name (eg E for Edgars). Select the bank-approved beneficiary (eg Edgars). Enter 'my statement description (DR)' this description will be reflected on your statement. Enter 'beneficiary statement description (CR)' this description will be reflected on the statement of Enter the amount. Click 'make payment' (the 'reference number capture' screen will be displayed). Enter the reference number (sent to your cellphone via SMS). Click 'continue'. Click 'confirm payment'. To add this as a beneficiary, click 'add as beneficiary'. This beneficiary will be added to your list of beneficiaries linked to your profile. 14 Payments once-off to another Nedbank or Old Mutual Bank account To make once-off payment to another Nedbank or Old Mutual Bank account: Select 'payments' from the main menu. Select the account to pay from. Select 'once-off'. Select account type (Nedbank or Old Mutual Bank savings and current account). Enter 'my statement description (DR)' this description will be reflected on your statement. Enter the account number. Enter 'beneficiary statement description (CR)' this description will be reflected on the statement of Enter the amount. Click 'make payment' (the 'reference number capture' screen will be displayed). Enter the reference number (sent to your cellphone via SMS). Click 'continue'. Click 'confirm payment'. To add this as a beneficiary, click 'add as beneficiary'. This beneficiary will be added to your list of beneficiaries linked to your profile. 15 Payments once-off to a credit card To make once-off payment to a credit card: 6

7 Select 'payments' from the main menu. Select the account to pay from. Select 'once-off'. Select account type ('credit card'). Select the bank from the dropdown list. Enter 'my statement description (DR)' this description will be reflected on your statement. Enter the 'credit card number (CR)' this description will be reflected on the statement of the beneficiary you are paying. Enter the amount. Click 'make payment' (the 'reference number capture' screen will be displayed). Enter the reference number (sent to your cellphone via SMS). Click 'continue'. Click 'confirm payment'. To add this as a beneficiary, click 'add as beneficiary'. This beneficiary will be added to your list of beneficiaries linked to your profile. 16 Payments once-off to a bank-approved beneficiary To make once-off payment to a bank-approved beneficiary: Select 'payments' from the main menu. Select the account to pay from. Select 'once-off'. Select account type ('bank-approved beneficiary'). Select the first letter of beneficiary name (e.g. E for Edgars). Select the 'bank-approved beneficiary' (e.g. Edgars). Enter 'my statement description (DR)' this description will be reflected on your statement. Enter 'beneficiary statement description (CR)' this description will be reflected on the statement of Enter the amount. Click 'make payment' (the 'reference number capture' screen will be displayed). Enter the reference number (sent to your cellphone via SMS). Click 'continue'. Click 'confirm payment'. To add this as a beneficiary, click 'add as beneficiary'. This beneficiary will be added to your list of beneficiaries linked to your profile. 17 Payments once-off to an account with another bank To make once-off payment to an account with another bank: Select 'payments' from the main menu. Select the account to pay from. Select 'once-off'. Select account type ('account with another bank'). Select the bank from the dropdown list. Select the first letter of the branch name. Select the branch name or enter the branch code. Enter 'my statement description (DR)' this description will be reflected on your statement. Enter the account number. Enter 'beneficiary statement description (CR)' this description will be reflected on the statement of Enter the amount. Click 'make payment' (the 'reference number capture' screen will be displayed). Enter the reference number (sent to your cellphone via SMS). Click 'continue'. 7

8 Click 'confirm payment'. To add this as a beneficiary, click 'add as beneficiary'. This beneficiary will be added to your list of beneficiaries linked to your profile. 18 Transfers A transfer is the movement of funds between accounts linked to your profile. For example, you are able to transfer money from your current account to your credit card. Note: Proof-of-transfer confirmation can be printed once the transaction has been completed. It is not possible to retrieve this confirmation at a later stage. 19 Transfers making transfers To make a transfer: Select 'transfers' from the main menu. Select the 'from' account. Select the 'to' account. Enter the amount. Click 'make transfer'. Click 'confirm transfer'. The transfer is completed. To print the transfer confirmation, click 'print proof of transfer'. 20 Beneficiaries 'Add beneficiaries' allows you to add beneficiaries to your profile. You can add: other Nedbank or Old Mutual Bank current, savings, home loan or investment accounts; a credit card; an account with another bank (e.g. Standard Bank, Absa etc); and a bank-approved beneficiary (Edgars, Telkom, etc). To be able to add beneficiaries you will need to have the SMS authorisation facility activated at your branch. 'Maintain beneficiaries' allows you to change the description of your beneficiary or delete a beneficiary. Note: If you want to change the account number of a beneficiary you will have to delete that beneficiary first and add it again with the correct account number. 21 Addition of a new beneficiary Nedbank or Old Mutual Bank account To add a Nedbank or Old Mutual Bank account: Select 'beneficiaries' from the main menu. Select 'add new beneficiary' from the dropdown menu. Select the account type (the 'reference number capture' screen will be displayed). Enter the reference number (sent to your cellphone via SMS). Enter the account number. Enter 'my statement description (DR)' this description will be reflected on your statement. Enter 'beneficiary statement description (CR)' this description will be reflected on the statement of the beneficiary. Click 'add beneficiary'. Click 'confirm'. The beneficiary addition is completed. 22 Addition of a new beneficiary credit card 8

9 To add a credit card: Select 'beneficiaries' from the main menu. Select 'add new beneficiary' from the dropdown menu. Select the account type ('credit card'). The 'reference number capture' screen will be displayed. Enter the reference number (sent to your cellphone via SMS). Select the bank. Enter the 'credit card number' this description will be reflected on the statement of the beneficiary. Enter 'my statement description (DR)' this description will be reflected on your statement. Click 'add beneficiary'. Click 'confirm'. The beneficiary addition is completed. 23 Addition of a new beneficiary account with another bank To add an account with another bank: Select 'beneficiaries' from the main menu. Select 'add new beneficiary' from the dropdown menu. Select the account type ('account with another bank'). The 'reference number capture' screen will be displayed. Enter the reference number (sent to your cellphone via SMS). Select the bank (e.g. FNB). Select first letter of the branch name. (Alternatively, if you know the branch code you may enter the branch code.) Select branch name. Enter the account number. Enter 'my statement description (DR)' this description will be reflected on your statement. Enter 'beneficiary statement description (CR)' this description will be reflected on the statement of Click 'add beneficiary'. Click 'confirm'. The beneficiary addition is completed. 24 Addition of a bank-approved beneficiary To add a bank-approved beneficiary: Select 'beneficiaries' from the main menu. Select 'add new beneficiary' from the dropdown menu. Select 'add a bank-approved beneficiary'. The 'reference number capture' screen will be displayed. Enter the reference number (sent to your cellphone via SMS). Select first letter of the beneficiary name (e.g. E for Edgars). Select beneficiary (e.g. Edgars). Enter 'my statement description (DR)' this description will be reflected on your statement. Enter 'beneficiary statement description (CR)' this description will be reflected on the statement of Click 'add beneficiary'. Click 'confirm'. The beneficiary addition is completed. 25 Maintenance of beneficiaries change beneficiary To change a beneficiary description: Select 'beneficiaries' from the main menu. Select 'maintain beneficiary' from the dropdown menu. Click the hyperlinked beneficiary you wish to change. Enter 'my statement description (DR)' (new description) this description will be reflected on your statement. 9

10 Enter 'beneficiary statement description (CR)' (new description) this description will be reflected on the statement of Click 'change beneficiary'. Click 'confirm'. The description change is completed. 26 Maintenance of beneficiaries delete beneficiary To delete a beneficiary: Select 'beneficiaries' from the main menu. Select 'maintain beneficiary' from the dropdown menu. Click the hyperlinked beneficiary you wish to delete. Click 'delete'. Click 'confirm'. The beneficiary deletion is completed. 27 Admin change PIN To change your temporary or current PIN to a PIN of your choice: Select 'admin' from the main menu. Select 'change PIN' from the dropdown menu. Enter 'current PIN'. Enter 'new PIN'. Confirm 'new PIN'. Click 'change PIN'. The PIN change is completed. 28 Admin change password To change your password as often as you like to a password of your choice: Select 'admin' from the main menu. Select 'change password' from the dropdown menu. Enter 'current password'. Enter 'new password'. Confirm 'new password'. Click 'change password'. The password change is completed. 29 Admin maintain accounts To change the description of your accounts (eg cheque account to current account): Select 'admin' from the main menu. Select 'maintain accounts' from the dropdown menu. Enter 'new account description'. Click 'make changes'. Click 'confirm changes'. The description change is completed. Note: Accounts can only be linked to your profile at a branch. 30 Admin maintain limits To decrease your once-off payment limit: Select 'admin' from the main menu. Select 'maintain limits' from the dropdown menu. 10

11 Enter the once-off limit. Click 'change limit'. Click 'confirm'. Maintain limits completed. Note: This limit can only be increased at a branch. 31 Admin order chequebook To order your chequebook online: Select 'admin' from the main menu. Select 'order chequebook' from the dropdown menu. Select the account number. Click 'continue'. Click 'confirm'. The chequebook order is completed. 32 Terms and conditions To view the Digital Banking Services general terms and conditions for use of internet banking: Click on the hyperlinked 'terms and conditions'. 33 Contact details Should you require any assistance with internet banking, call our helpdesk and an agent will assist you. For the applicable number: Click 'contact us' in the top right hand corner of your screen. 34 Help 'Help' is available on every internet banking screen. You may use 'help' while you are transacting to assist you with the function you are performing: Click 'help' in the top right hand corner of your screen. 35 Logoff To log off: Click 'logoff' in the top right hand corner of your screen. You will be presented with the 'logoff' screen. Copyright Nedbank Limited All rights reserved. Nedbank Ltd Reg No 1951/000009/06. We subscribe to the Code of Banking Practice of The Banking Association South Africa and for unresolved disputes, support resolution through the Ombudsman for Banking Services. We are an authorised financial services provider. We are a registered credit provider in terms of the National Credit Act (NCR Reg No NCRCP16). 11