PRICING GUIDE 2015 Home Loans Still bringing you real banking value Moving Forward TM
Initiation fees 1 Natural persons Juristic entities 2 R5 700,00 R10 900,00 Monthly service fee (Including Safe Custody accounts) Usury accounts 3 Pre-NCA accounts 4 Pre-NCA liberator 4 NCA accounts 5 Juristic accounts 2 R5,70 R54,00 R280,00 R57,00 R200,00 Cash deposit fee 6 (AccessBond accounts only) Base fee of R11,50 + 1.30% x cash deposit value Example (Cash deposit of R3 000) Cash deposit service fee R11,50 + (R3 000 x 1.30%) = R50,50 Early termination interest Should you wish to cancel your bond before the agreed contracted loan term, you are required to provide 90 days notice in writing. If the required notice has not been given or if it has expired you will be charged 90 days pro-rata interest based on your outstanding balance at the time of request for cancellation. 1 Initiation fees are charged on all new loans and on the first further loan where the original loan was registered before 1 June 2007. 2 Juristic entities are defined as any Company, Close Corporation or Trust, including Foreign companies and Trust, applications from 3 September 2011. 3 Usury Act is defined as loans equal to or less than R500 000 and entered into before the introduction of the National Credit Act on 1 June 2007. 4 Loans greater than R500 000 and entered into before the introduction of National Credit Act on 1 June 2007. 5 Loan entered into or after 1June 2007 governed by the National Credit Act. 6 The first cash deposit fee per month will no longer be free. All cash deposits will attract the cash deposit fee. Any material change to an agreement entered into before the introduction of National Credit Act on 1 June 2007, will result in a change to your monthly service fee and your total monthly instalment due. Material changes are defined as: Change to existing account holders and/or sureties, including members of a Partnership, Company, Close Corporation or Trusts Change in the interest rate (excluding changes to Home Loan base rate) Change in original loan amount Adding or converting facilities Changes to loan term Voluntary account restructures (not Debt Review) Breach in existing agreement, initiated by you resulting in a new agreement. 2 3
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 www.standardbank.co.za/ucount 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 www.getsnapscan.com, 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. 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 www.standardbank.co.za 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 www.standardbank.co.za/masterpass for more info. 4
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 www.standardbank.co.za/instantmoney 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 www.standardbank.co.za/app *Network providers standard data charges will apply. Terms and conditions apply. 5
Contact details If you have any questions or need more information please call 0860 123 001. This brochure is not a comprehensive list of our prices, for further information visit us on www.standardbank.co.za or contact your branch. Note: Fees charged on grants are subject to change after our annual price review. Prices include VAT and are subject to change. This brochure is not a comprehensive list of our prices. For further information, please contact your branch. Prices include VAT and are subject to change. Disclaimer Our products and services, and the terms under which they are offered, may change. We will inform you within a reasonable time of these changes. It is in your interest to read your contract carefully. If you have any questions or need more information contact your branch. Standard Bank subscribes to the Code of Banking Practice. Please ask your branch for details. Standard Bank supports the Ombudsman for Banking Services Sharecall number 0860 800 900 Authorised financial services and registered credit provider (NCRCP15) The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). SBSA 193104 10/14 PG0011 Moving Forward is a trademark of The Standard Bank of South Africa Limited