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 that you understand how fees are charged. By choosing the right type of account and using it for its intended purpose, you can keep your fees to a minimum. In this brochure are the revised fees applicable to PlusPlan, PureSave and MarketLink accounts from 1 January 2015. Value-added offers To help you reach your savings goals the following benefits are provided on the various products: if you keep a balance of at least R10 000,00 in your PlusPlan account you do not pay the monthly management fee; if you keep a balance of R6 500,00 in your PlusPlan account you qualify for five free debit transactions a month. These include cash withdrawals, inter-account transfers, electronic account payments and debit orders; electronic inter-account transfers from Standard Bank transaction accounts into PureSave and MarketLink accounts are free of charge; and you are allowed one free electronic transfer from your PureSave and MarketLink accounts into your linked Standard Bank transactional account every month. Remember stop orders from your Standard Bank transaction account into your savings and investment accounts are free. PureSave, PlusPlan and MarketLink Type of transaction Base fee PlusPlan PureSave MarketLink Fee based on transaction value Base fee Fee based on transaction value Base fee Fee based on transaction value Deposits at branch or AutoBank Cash deposit (up to R3 000 per deposit) *2 *3 *2 Cash deposit (above R3 000 or after the free deposits) At ATM R4,70 1.30% R4,70 1.30% R4,70 1.30% At branch R11,50 1.30% R11,50 1.30% R11,50 1.30% Cheque deposit At ATM R20,00 R20,00 R20,00 At branch R25,00 R25,00 R25,00 Withdrawals and debit card purchases Cash withdrawal At ATM (R6,70 more if another bank s ATM is used) R4,70 1.35% R4,70 1.35% R4,70 1.35% At branch R37,00 1.35% R37,00 1.35% R37,00 1.35% Debit card purchase R5,00 Not applicable R5,00 Debit card purchase with cashback R10,00 Not applicable R10,00 International ATM withdrawal R37,00 1.40% Not applicable Not applicable *Only free ATM deposits, no concession for branch deposits. 2 3
PureSave, PlusPlan and MarketLink PlusPlan PureSave MarketLink Payments Debit order in favour of another of your Standard Bank accounts R4,70 Not applicable R4,70 Any other debit order R15,00 Not applicable R15,00 Stop order to Revolving Credit Plan/ Way-to-Pay/Student Loans/ Savings accounts R4,70 Not applicable R4,70 Any other stop order R7,00 Not applicable R7,00 Account payments using AutoPlus, Internet, Cellphone or Telephone Banking R6,50 Not applicable R6,50 Account payments over-the-counter at a branch R42,00 Not applicable R42,00 Prepaid recharges using Standard Bank: Cellphone Banking and Mobile App Internet Banking ATM 1 R1,10 R1,10 R1,10 PIN re-set ATM PIN re-set branch R3,50 R3,50 R3,50 Point of sale decline (due to insufficient funds) Inter-account transfers Using AutoPlus machines, Internet, Cellphone or Telephone Banking R4,70 (First one free each month) R4,70 (First one free each month) R4,70 (First one free each month) Over-the-counter at a branch R42,00 R42,00 R42,00 Monthly fees Only if minimum balance is less than R10 000,00 R18,00 Not applicable Not applicable Internet Banking fee 1 Prepaid recharges at another bank s ATMs will attract a fee of R11,40; 1.35% When using another bank s ATM to draw cash, you will pay the Standard Bank ATM cash withdrawal fee and an additional R6,70. 4 5
PureSave, PlusPlan and MarketLink PlusPlan PureSave MarketLink Information fees AutoBank mini-statements R1,10 R1,10 R1,10 AutoBank balance enquiries (screen display) AutoBank balance enquiries (slip print) R1,10 R1,10 R1,10 AccessPoint balance enquiries Balance enquiries at another bank s ATM R5,00 R5,00 R5,00 Provisional statements AutoPlus 30-day statement Provisional statements Branch 30-day statement R5,00 R30,00 R5,00 R30,00 R5,00 R30,00 Internet Banking statements Transaction history Branch AutoPlus Branch AutoPlus Branch AutoPlus 60 days R33,00 R8,00 R33,00 R8,00 R33,00 R8,00 90 days R50,00 R11,00 R50,00 R11,00 R50,00 R11,00 180 days R50,00 R13,50 R50,00 R13,50 R50,00 R13,50 Other fees AutoBank cash withdrawal declined (other bank ATM) R4,70 R4,70 R4,70 AutoBank cash withdrawal declined (Standard Bank ATM) R2,50 R2,50 R2,50 Setting up or changing a stop order R16,00 Not applicable R16,00 Stop payment on debit orders R45,00 Not applicable R45,00 Bank cheque R85,00 R85,00 R85,00 Each AutoBank card replacement R125,00 R125,00 R125,00 Post-dated cheque deposit fee R100,00 R100,00 R100,00 Special clearance R100,00 R100,00 R100,00 Dishonour fee or unpaid item (Only the first two for the month are charged) R55,00 Not applicable R55,00 7 8
Managing your bank fees Keep fees to a minimum on your account by following a few simple guidelines: use self-service channels like our ATM network, Cellphone Banking and Internet Banking. These services are much cheaper than going to a branch; instead of drawing cash, use features like electronic account payment and inter-account transfers through our ATM network, Cellphone Banking and Internet Banking; take advantage of the free transactions offered on your account; make sure that your accounts have sufficient funds to cover your payments; and to avoid paying the cheque deposit fee, try to have money paid electronically into your account. For more information on the fees or your account call us on 0860 123 000, visit www.standardbank.co.za or any branch. How to calculate your transaction fees Some transactions are charged a base fee plus a percentage of the transaction value while others are charged a base fee only. For example, an ATM cash withdrawal of R500,00 will attract a base fee of R4,70, plus R6,75 (1.35% of the transaction value of R500,00), giving a total fee of R11,45. *Terms and conditions apply. This brochure is not a full list of our prices. For more information, please contact your branch. Prices include VAT and are subject to change. 6
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 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. 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 9
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. Disclaimer Our products and services, and the terms under which they are offered, may change. We will let you know 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. 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 193207 10/14 PG0015 Moving Forward is a trademark of The Standard Bank of South Africa Limited