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

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

2 Elite Banking gives you value for money Elite Banking is specially designed to keep up with your lifestyle and growing financial needs, giving you the value you are looking for. Elite Banking offers an Elite Plus second current account for your spouse or life partner at a reduced monthly fee, as well as additional cards linked to your account for your spouse, partner or family. Elite Banking pricing There are three pricing options to choose from: Fixed monthly service fee (Plus option) pay a fixed monthly service fee for a bundle of transactions and services. Should the customer exceed the transactions included in the bundle per month, the additional transactions will be priced according to the PAYT option. Pay as you transact with a minimum monthly service fee you pay for each transaction. Rebate keep a specified minimum daily balance in your account for a full calendar month and we will refund a portion of the service fees incurred under Pay as you transact. Need an account for your child? We realise that your child requires banking which is affordable, convenient and meets their individual financial needs. The following banking solutions are available: (sum) 1 account children between 0 and 16 years Student Achiever account scholars/students between 16 and 23 years. For more information contact your nearest branch or visit 2

3 Fixed monthly management fee (Plus option) 1,2 Monthly fee R95,00 This fee includes: Electronic transactions³ Unlimited Cheques (issued and deposited) 1 Standard Bank ATM cash withdrawals/accesspoint (cash-out) 1 6 Branch cash withdrawals 1 AutoBank cash deposits/accesspoint (cash-in) 1 3 Electronic balance enquiries and Standard Bank ATM mini-statements TravelWallet activation only Annual Gold Cheque card fee Debit/Cheque card purchases Monthly Internet Banking subscription fee MyUpdates ( /sms notifications) Unlimited Included 1 Transactions performed at AccessPoints are included. 2 Transactions in excess of the specified maximum and those not shown in this table, will attract Pay as you transact fees. 3 This includes any combination of debit and stop orders, electronic inter-account transfers, electronic account payments and debit/cheque card transactions. 4 Instant transfer of money between Standard Bank customers using Cellphone Banking. The recipients number must be linked to their account. A second Elite Plus Current account As an Elite Banking Plus Current customer, your spouse or life partner also qualifies for an Elite Plus Current account at a reduced monthly service fee of R78,00. The second Elite Plus Current account, which can be opened in your spouse or life partner s name, has the same bundle of transactions and services. Your spouse or life partner will receive: Their own Elite Plus Current account operating as a separate account, with the same transaction bundle included. Their own Gold Cheque card with no annual card fees. 3

4 Pay as you transact option Deposits Cheque deposits 1 At Standard Bank ATM At branch Cash deposits At Standard Bank ATM At branch Cash withdrawals At Standard Bank ATM 2,3 At branch Using a Cheque card, Credit card or Debit card 3 Cheque encashment International ATM Payments Prepaid recharges using Standard Bank Cellphone Banking and Mobile App Internet Banking ATM 2 R20,00 R25,00 R4, % of value R11, % of value R4, % of value R33, % of value Branch cash withdrawal fee + cheque service fee R33, % of value R1,10 Electronic inter-account transfers (excluding savings and investment accounts) R3,70 Stop order 4 R5,20 Electronic account payment R5,00 Cheque card purchase Debit card purchase Debit order 4 R12,50 Branch inter-account transfers and account payments (to Standard Bank third parties) R42,00 Cheque service fee R4, % of value (maximum total fee R50,00) Bank cheque R85,00 4

5 Other monthly fees Monthly service fee on arranged overdraft limits above R500,00 R30,00 Monthly service fee on unauthorised overdrafts R57,00 Minimum monthly service fee includes Standard Bank ATM cash withdrawals, electronic inter-account transfers, electronic account payments, Cheque card purchases, debit orders and cheque service fee 5 R53,00 Monthly Internet Banking subscription fee Annual cheque card fee for Pay as you transact 1 Deposit fee is charged on each cheque deposited. 2 Prepaid recharges at another bank s ATMs will attract a fee of R6,70. When using another bank s ATM to draw cash, you will pay the Standard Bank ATM cash withdrawal fee and an additional R6,70. 3 Where there is no Standard Bank ATM available in a town or if it is offline, the Standard Bank ATM cash withdrawal fee applies. 4 Debit and stop orders to another Standard Bank account in favour of personal loan/rcp/wtp/student loans are only charged at R4,00. 5 The minimum monthly service fee will be charged if the total combined service fees are not more than this amount. Rebate option The rebate is applicable to fees incurred on Standard Bank ATM cash withdrawals, electronic inter-account transfers, electronic account payments, debit orders, cheques and Cheque card purchases. It also applies to the minimum monthly service fee. Minimum daily positive balance for the full calendar month Maximum monthly rebate R to R R85,00 R to R R125,00 R to R R225,00 R to R R280,00 R R420,00 5

6 Personal/Owner Loan Protection Plan Age Bands Plan D Plan E Plan F Death, permanent disability, dread disease and retrenchment Death, permanent disability, and retrenchment Death R2,39 R2,01 R4,14 To calculate: Divide your outstanding balance by R1 000, then multiply by the rate = monthly premium. (The premium decreases as your outstanding balance decreases). The following fees apply unless specifically excluded Information Balance enquiries and mini-statements At Standard Bank ATM (display) At Standard Bank ATM (print) At branch At another bank s ATM Provisional statements At AutoPlus 30 days: one free a month, thereafter At branch Transaction history At AutoPlus 60 days At AutoPlus 90 days At AutoPlus 180 days Transaction history At branch 60 days At branch 90 days At branch 180 days Internet and Cellphone Banking statements Formal ed statements Posted statements Internet Banking payment confirmation fee By By SMS By Fax MyUpdates ( /SMS notifications) Chequebooks R1,10 R6,50 R5,00 R5,00 R30,00 R8,00 R11,00 R13,50 R33,00 R50,00 R50,00 R11,00 R1,00 R1,00 R3,50 Elite non-carbonised chequebooks R52,50 6

7 Other Services Declined cash withdrawal At Standard Bank ATM At another bank s ATM R2,50 R4,70 Depositing a post-dated cheque R100,00 Garage card transaction fee R5,20 Replacement card Debit card Debit card (Chip/EMV card) Cheque card R50,00 R125,00 R125,00 Special clearance on cheques deposited R100,00 Stop payments on cheques and debit orders R45,00 Stop order (establish/change/cancel) fee R16,00 Disputed debit orders (if after 40 days and customer proved wrong) R200,00 Dishonour fee 1 R115,00 Honouring fee 2 R120,00 PIN re-set ATM PIN re-set branch R3,50 Point of sale decline due to insufficient funds R7,00 Internet future dated payment unpaid R30,00 Will drafting fee (complex will) R589,00 Will drafting fee (pre-printed will) R516,00 Will review (this fee may be waived by the intermediary) R310,00 Will safe custody annual fee R135,00 1 A charge for a payment that we dishonour due to insufficient funds in your account. 2A charge for a payment that we honour when you do not have sufficient funds in your account. Tips on how to manage your account The following tips will assist you in banking faster and cheaper at your own convenience: Prepaid Top-up (Recharge) can be done using Standard Bank Mobile App, Telephone, Internet and Cellphone Banking. Avoid paying cheque deposit fee and have money transfered into your account. 7

8 Electronic transfers using Internet, Cellphone and Telephone banking and Mobile App is cost-effective. Swipe your Debit, Cheque and Credit card when purchasing at retailers. Shop online with your Cheque or Credit card. Balance enquiries are free on Mobile App, Cellphone, Telephone and Internet Banking channels. Contact us General customer enquiries South Africa International Lost or stolen cards / Internet Cellphone Banking *120*2345# Fraud / This brochure is not a full list of our prices. For further information, please contact your branch. Prices include VAT and are subject to change. UCount Rewards Join our rewards programme for just R20 a month and collect rewards points every time you shop with your Standard Bank personal Debit/Cheque or Credit Card. Get up to 10%* back on groceries and up to 1.25%* back on all your other purchases! Visit for more info. *Terms and conditions apply. Move forward with our innovative payment and banking products! SnapScan SnapScan is an innovative app that lets you pay for things with your smartphone. It s a simple, safe and convenient way to pay. Download* the SnapScan app from your app store or go to link your bank card and enjoy unbelievably simple payments. SnapScan can be used with any MasterCard and Visa credit or cheque cards, as well as selected debit cards, issued by any bank in South Africa. 8 8

9 Tap & go Buying small items on the run has just become faster with your MasterCard contactless card from Standard Bank. Waste no time when you pay for purchases up to R200. All you need to do is tap your card and go. Apply online at for yours and use it wherever you see the contactless symbol. MasterPass Shopping on your computer, tablet or smartphone online is easier and more secure with MasterPass. Download* the app and shop, click and checkout faster online! MasterPass can be used with any MasterCard and Visa credit or cheque card, as well as selected debit cards, issued by any bank in South Africa. Visit for more info. InstantMoney Send money via your cellphone to anyone in South Africa quickly and safely! Creating an InstantMoney voucher is as easy as buying airtime and funds can be sent by anyone, to anyone even if they don t have a bank account. Find out more at App for Smartphones or Tablets You decide where and when you need to do your banking. Simply open the secure banking app on your smartphone or tablet, make payments, do transfers, buy prepaid airtime and much more. Download* our revolutionary banking app from your app store or at *Network providers standard data charges will apply. Terms and conditions apply. 9 9

10 Disclaimer Our products and services, and the terms under which they are offered, may change. We will inform you within a reasonable time of these changes. It is in your interest to read your contract carefully. If you have any questions or need more information please contact your branch. Standard Bank subscribes to the Code of Banking Practice. Please ask your branch for details. 10 Standard Bank supports the Ombudsman for Banking Services Sharecall number Standard Bank supports the Ombudsman for Banking Services Sharecall number Authorised financial services and registered credit provider (NCRCP15) The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). Moving Forward is a trademark of The Standard Bank of South Africa Limited. SBSA /14 PG0020