make building a better life - home | pricing guide€¢ proof of income/payslip. • your south...

BUILDING A BETTER LIFE

MAKE

HAPPENFor more information: • visit any Nedbank and speak to a friendly consultant; • use SMS banking – dial *120*001#; • call 0860 555 111; or• go to nedbank.co.za.

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CONTENTS

Be more clever with your money.

Day-to-day banking..................................................................3Nedbank Ke Yona Bundle Account....................................................3 Nedbank Ke Yona Plus Account.......................................................3 Nedbank Ke Yona Pay-as-you-use Account...................................3

Save........................................................................................................5JustSave Account...................................................................................5Club Account...........................................................................................5

Invest.....................................................................................................7Short-term investments........................................................................7Medium-term investments.................................................................7 Long-term investments........................................................................7

Borrow..................................................................................................9Nedbank Ke Yona Credit Card............................................................9 Personal loan............................................................................................9 Home loan................................................................................................9

Insure....................................................................................................11Funeral Plan............................................................................................11 Funeral Plan Plus....................................................................................11 Bank securely, anytime, anywhere............................13Online and mobile banking................................................................13Other self-service banking channels...............................................13

Complaint resolution and theNational Credit Act................................................................14

We all want a better life for our families and our communities. Nedbank wants to help you be more clever with your money to ensure that you can start building a better life today.

Visit any Nedbank branch or Nedbank kiosk in selected Boxer and Pick n Pay stores and talk to a friendly and trustworthy adviser, who will help you be more clever with your money.

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PRODUCT CHOOSE THE RIGHT ACCOUNT WHAT YOU GET INCLUDED

NEDBANKKE YONABUNDLE ACCOUNT

Pay R49 per month for great-value banking.

If you need a full transactional accountwith access to digital channels, this account is right for you.

• Your first eight Nedbank transactions. (Thereafter, pay-as-you-use charges and fees apply.)

• R2 000 funeral cover.• Unlimited eNote SMS notifications if activated.• eStatements.• Access to all digital channels – SMS Banking *120*001#,

Cellphone Banking WAP (nedbank.mobi), Nedbank App Suite™ and internet banking (nedbank.co.za).

• Free access to MyFinancialLife™, an online budgeting tool that lets you track your income, fees and expenses.

Go to MyFinancialLife.co.za for more information.• A debit card, which you can swipe at tillpoints to pay

for goods or use to draw cash from the ATM.

NEDBANKKE YONAPLUS ACCOUNT

Pay R5 per month and then pay only for the transactions you make.

This is a value bank account for those who perform afew transactions in a month.

• R2 000 funeral cover.• eNote SMS notifications.• Access to all digital channels – SMS Banking *120*001#,

Cellphone Banking WAP (nedbank.mobi), Nedbank App Suite™ and internet banking (nedbank.co.za).

• A debit card, which you can swipe at tillpoints to pay for goods for free or use to draw cash from the ATM.

NEDBANKKE YONAPAY-AS-YOU-USEACCOUNT

The zero-fee account, for which you pay no monthly fees.

This is a simple account for those who perform very few transactions in a month.

• Access to all digital channels – SMS Banking *120*001#, Cellphone Banking WAP (nedbank.mobi), Nedbank App Suite™ and internet banking (nedbank.co.za).

• A debit card, which you can swipe at tillpoints to pay for goods or use to draw cash from the ATM.

• SMS notifications (eNote).

Visit any Nedbank branch or Nedbank kiosk in selected Pick n Pay or in Boxer stores, or call 0860 555 111. Terms and conditions apply.

DAY-TO-DAY BANKING

WHY THIS ACCOUNT IS RIGHT FOR YOU WHAT YOU NEED TO OPEN AN ACCOUNT

• You pay a fixed fee for up to eight transactions a month.• You can manage your finances and lifestyle using any of our digital channels:

- Buy prepaid electricity, airtime and SMS and data bundles. - Activate and maintain your eNotes to keep track of your transactions. - View your balance and pay your accounts.

• You can buy prepaid electricity, airtime and SMS and data bundles from your cellphone by dialling *120*001#.

• You can buy airtime even when you’ve run out of airtime by dialling *130*001# on your cellphone.

• You can use your debit card to pay for shopping, which is free, and to withdraw money at tillpoints at Pick n Pay and Boxer stores.

• You can send money to anyone with a cellphone through Nedbank Send-iMaliTM by dialling *120*001#.

• Your South African barcoded identity document or a valid passport and work permit.• Proof of residence, eg your electricity, water or phone account (not older than three months).• An opening deposit of R50.• No proof of income is required.• There are no credit checks.

• You pay transaction fees only when you use your account. • You can buy prepaid electricity, airtime and SMS and data bundles from

your cellphone by dialling *120*001#.• You can buy airtime even when you’ve run out of airtime

by dialling *130*001#.• You can use your debit card to pay for shopping, which is free, and

to withdraw money at tillpoints at Pick n Pay and Boxer stores.• You can send money to anyone with a cellphone through

Nedbank Send-iMaliTM by dialling *120*001#.

• Your South African barcoded identity document or a valid passport.• An opening deposit of at least R20.• No proof of income required.• There are no credit checks.

• You pay transaction fees only when you use your account.• You can buy prepaid electricity, airtime and SMS and data bundles from

your cellphone by dialling *120*001#.• You can buy airtime even when you’ve run out of airtime

by dialling *130*001#.• You can use your debit card to pay for shopping and to withdraw

money at tillpoints at selected Pick n Pay and Boxer stores.• You can send money to anyone with a cellphone through

Nedbank Send-iMaliTM by dialling *120*001#.

• Your South African barcoded identity document.• No proof of residence required.• An opening deposit of at least R20.• There are no credit checks.

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Visit any Nedbank branch or Nedbank kiosk in selected Pick n Pay or in Boxer stores, or call 0860 555 111.

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SAVE For the things you need

JUSTSAVE ACCOUNT CLUB ACCOUNT

What you get• Rewards for saving. You get an extra R2 per month

(if you set up a weekly or monthly debit order on your Nedbank Ke Yona Pay-as-you-use Account).

• A savings account with a great interest rate. • Guaranteed savings.

What you get• You pay no fees on your account.• The more money you have in your account, the more

interest you earn.• The number of members on group savings are unlimited.• You can withdraw as you like.

Why this account is right for you• You can get access to your money by giving us a

minimum of 24 hours’ notice. • Four free cash deposits per month that collectively do

not exceed R5 000.

Why this account is right for youIt’s a great savings option for group savings, eg stokvels, societies and clubs.

What you need to open a JustSave Account• An opening deposit of at least R50.• Your South African barcoded identity document.• Proof of residence, eg an electricity, a water or a phone

account (not older than three months).

What you need to open a Club Account• A minimum opening deposit of R100.• The South African barcoded identity document and proof

of residence for the three nominated signatories.

Visit any Nedbank branch or Nedbank Inretailer outlet to find out more. Or visit nedbank.co.za today.

TIP: A savings account is a great way to put money away for special occasions or for when you need cash in an emergency.

Terms and conditions apply.

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INVEST Make peace of mind happen

JUSTINVEST ACCOUNT EASYACCESS DEPOSIT GREEN SAVINGS BOND

Short-term investments Medium-term investments Long-term investments

What you get• You pay no fees, except certain

cash deposit fees.• You enjoy a highly

competitive interest rate.• Additional deposits of R500 or

more can be made and will earn you more interest.

• Withdrawals of R500 or more can be made at any time.

• Interest is calculated daily and paid monthly.

What you get• No fees are charged.• You enjoy great interest rates for

investment terms of your choice.• Your returns are guaranteed.• Your investment is secure.

What you get• No fees are charged.• Your returns are guaranteed. • You earn great interest rates.• Your money is secure.• Clients of 60 years and older

receive better interest rates.• Interest is calculated daily and

paid monthly, quarterly, half-yearly, annually or on maturity.

How to access your fundsYou get access to your money ona minimum of 24 hours’ notice.

How to access your fundsYou get access to 50% of your money on a minimum of 24 hours’ notice.

How to access your fundsYou get a guaranteed monthlyincome.

Investment termOn call.

Investment termThe term of the investment rangesfrom three to 18 months.

Investment termThe term of the investmentranges from 18 to 60 months.

What you need to open aJustInvest Account • Your South African barcoded

identity document. • Proof of residence,

eg an electricity, a water or a phone account (not older than three months).

• An opening deposit of at least R5 000.

What you need to open anEasyAccess Deposit • Your South African barcoded

identity document.• Proof of residence,



What you need to open a NedbankGreen Savings Bond • Your South African barcoded

identity document.• Proof of residence,



Visit any Nedbank today or go to nedbank.co.za.


REMEMBER: Interest rates are calculated daily and may change according to market conditions.

BORROW

PRODUCT TYPE OF CREDIT WHAT YOU GET

NEDBANK CREDIT CARD

Credit when you need it most.

• You enjoy up to 55 days’ interest-free credit.• You can access a revolving credit facility.• You can use your card at all ATMs and any store displaying the

MasterCard logo.• You pay no fees when you swipe your card. • You pay a lower interest rate than with most retail credit

instalments.

PERSONAL LOAN Get an affordableloan, customised to meet your needs.

• You can apply for a loan from R1 000.• Application is easy, with friendly consultants to assist you. • The loan is customised to suit your financial needs.• Personalised interest rates are matched to your individual

credit profile.• The approved loan amount will be deposited directly into your

bank account. • Flexible repayment terms of 12 to 60 months are available.

HOME LOAN When buying a home, there are so many things to consider. It’s not easy, so speak to us first.

• You can apply online and get bond approval within hours. • You get regular updates throughout the process (SMS/email).• Nedbank branches are open for longer all through the week,

even on Sundays.• We will help you through the buying process from start to finish.


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WHAT YOU NEED TO OPEN A ACCOUNT

• A net salary of R2 000 per month. • Three months’ bank statements (if you are not a Nedbank client).• Proof of income/Payslip. • Your South African barcoded identity document or a valid

passport and work permit.• Proof of residence, eg your electricity, water or phone

account (not older than three months).

(All credit card requests are subject to final credit approval, including certain income source criteria.)

Visit any Nedbank branch or Nedbank kiosk in Pick n Pay orBoxer store.Or call 0860 555 111.

• Your South African barcoded identity document.• Proof of residence, eg an electricity, a water or a phone

account (not older than three months).• A net monthly income of at least R2 000. • Proof of income/Payslip.• Your latest bank statement.

(All loan requests are subject to final credit approval, including certain income source criteria.)

Visit any Nedbank branch or Nedbank kiosk in Pick n Pay orBoxer store.Or call 0860 555 111.Dial *120*5616# to see if you qualify and you can also request us to call you back.

• Your South African barcoded identity document or a smart ID card or a valid passport and work permit.

• Proof of residence, eg your electricity, water or phone account (not older than three months).

• Proof of income/Payslip.• Three months’ bank statements. (A joint income will help with affordability. All loan applications are subject to final creditapproval, including certain income source criteria. For a detailed list of documents required visitnedbank.co.za/homeloans.)

Visit nedbank co.za/homeloans or any Nedbank branch. Or call 0860 555 111. TIP: To build a good

credit record make sure you pay your monthly instalment on time.

INSURE For a time of loss

FUNERAL PLAN FUNERAL PLAN PLUS

The Nedbank Insurance Funeral Plan provides cover that will ensure that you and your loved ones have the cover for a dignified funeral.

The Nedbank Insurance Funeral Plan Plus provides cover that will ensure that your loved ones have the funds for a dignified funeral.

What you get

• Immediate accidental-death cover from the date on which the first premium is received.

• Cover of up to R10 000 for yourself from R32,50 a month.• Cover of up to R50 000 for yourself and your partner/

spouse.• Flexible premium payment terms – you can pay money

into your policy more regularly than once a month.• A premium bonus if you pay at least 10 premiums in

advance. • A no-lapse benefit if you can’t make the full monthly

payment, as long as you pay a minimum of R20.

What you get

• Immediate accidental-death cover from the date on which the first premium is received.

• Death cover of R5 000 for R19,50 a month.• Peace of mind, because you know you can provide

adequately for your burial. • A tax-free lump sum benefit, which will be paid into your

beneficiary’s bank account.• Cover for life, provided you continue paying your

premiums and do not let the policy lapse. • A premium refund should you die from natural causes

during the waiting period.

Why this plan is right for you

• The Funeral Plan is available to everyone, not only Nedbank accountholders.

• You can choose the plan that suits you best: – You can buy cover for yourself only. – You can buy an Immediate Family package, which

covers your spouse/partner and up to five children. – You can pay an additional premium per person and

you can cover up to 29 family members. – You can add the Family Supporter benefit, which will

give your family an income of between R500 and R2 500 (in multiples of R500) for 3, 6, 9 or 12 months after you pass away.

• The Nedbank Insurance Funeral Plan provides you with a variety of Value for Life funeral support benefits, such as the transportation of the deceased to a funeral home of your choice within the borders of South Africa.

Why this plan is right for you

• Payment debit dates are flexible to meet your specific needs.

• No medical or HIV testing is required.• The Funeral Plan Plus provides you with a variety of Value

for Life benefits that offer your close family access to a variety of services and discounts at no additional cost. These include: – Funeral support services. – Trauma support services. – HIV, legal and health advisory services.

Visit any Nedbank branch or call the Nedbank Contact Centre on 0860 555 111.

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TIP: Pay your funeral cover easily by setting up a debit order against your day-to-day bank account.

TIP: Send money to any South African cellphone number. Use internet banking or the Nedbank App Suite™, or dial *120*001#.

BANK SECURELY ANYTIME, ANYWHERE

Nedbank digital banking allows you to manage your fi nances and lifestyle, anytime, anywhere. Transform the way you bank today.

Build your fi nancial fi tness with MyFinancialLife™ – This is a FREE, easy-to-use, secure online tool to manage your fi nances. Register at myfi nanciallife.co.za.

SMS Banking – You can access Nedbank SMS Banking through your cellphone. You will fi nd the service to be quick, effi cient and cost-eff ective. View your balance, buy airtime and pay your bills. Dial *120*001#.

Nedbank App SuiteTM – The Nedbank App Suite™ (for smartphone users) is a unique and customisable banking experience. Choose from a selection of convenient and secure tools and NedApps designed to suit your needs. Download it FREE from the Apple store, Google Play, Blackberry World or from Nedbank.mobi for specifi c Nokia devices.

Cellphone Banking WAP – It gives you a rich internet-banking-like experience on your cellphone or tablet. Simply access nedbank.mobi from your device’s internet browser. Schedule regular topups to recharge your account automatically with our recurring option. Go to nedbank.mobi.

Internet banking – Take advantage of our comprehensive online banking service, from the comfort of your home or offi ce, in our secure banking environment. Activate eNote to keep track of your transactions. Visit nedbank.co.za.

Send-iMaliTM – Need to send money in a hurry? You can now send money to any cellphone in South Africa quickly and safely. The recipient can withdraw the money at any Nedbank ATM, even if he or she doesn’t have a bank account.

Airtime without Airtime – Stay connected. You can now buy airtime even when you don’t have airtime. Simply dial *130*001#.

Nedbank prepaid electricity or airtime – Buy prepaid electricity or airtime at your convenience. Use the Nedbank App or internet banking or dial *120*001#.

Self-service terminals (SSTs) – These are electronic devices that allow you to do a wide range of banking transactions but theydo not accept deposits or dispense cash. They are easy to use, cost-eff ective and help you to avoid unnecessary queues.

Pick n Pay and Boxer tillpoints – You can withdraw and deposit money at tillpoints. It’s cheaper than at ATMs.


experience

SELF-SERVICE BANKING

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COMPLAINT RESOLUTION AND THE NATIONAL CREDIT ACT

THE NATIONAL CREDIT ACT

There’s no denying the value of credit. It puts experiences and a lifestyle within our reach. Unfortunately, no matter how carefully we plan tomanage it, debt can quickly spiral out of control.

That’s why Nedbank is proud to support the National Credit Act, 34 of 2005 (NCA).

Credit bureau information

Under the NCA you have free access to your credit history once a year. This means you’ll know exactly what your credit record looks like and can check the accuracy thereof at any time.

Debt counselling

If you, as a Nedbank client, think you are fi nancially overcommitted, please contact your branch or the Nedbank Contact Centre on 0860 555 111 for an informal debt review.

A list of registered debt counsellors is available from the National Credit Regulator’s Offi ce on 0860 627 627 or atncr.org.za.

COMPLAINT RESOLUTION

To ensure that your complaint is resolved speedily and by the correct department please follow the steps below:

• Talk to your banker or visit your branch.

• Log a complaint with our Client Complaint Helpdesk (always obtain a reference number):

Tel: 0860 800 900 [+27 (0) 11 710 4011] Fax: +27 (0) 11 667 7157 Email: [email protected]

• If you are not satisfi ed, you may contact the Ombudsman for Banking Services:

Tel: 0860 662 837 Website: obssa.co.za

Please help us improve our service. We want to Make Great Service Happen!

You can now also reach us on Facebook and Twitter or visit our Talk To Us link at nedbank.co.za.

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Nedbank 135 Rivonia Campus135 Rivonia RoadSandownSandton2196

Nedbank Limited Reg No 1951/000009/06. Authorised fi nancial services and registered credit provider (NCRCP16).

For more information please go toNedbank.co.za

Make building a better life happen• Contact centre – 0860 555 111.

• Visit any one of the 850 Nedbank branches. • Visit one of the 190 Nedbank kiosks in Pick n Pay and Boxer stores.

• SMS Banking – dial *120*001#.• Airtime without Airtime – dial *130*001#.

• For internet banking and more information go to nedbank.co.za.• Cellphone Banking WAP – go to nedbank.mobi.

• Nedbank App SuiteTM – download it from your app store.

Although Nedbank’s fees have always been reasonable, the National Credit Act now stipulates the maximum initiation and service fees and interest rates for each type of loan agreement. It also specifi es that you may be required, depending on the type of loan agreement, to pay:

• the cost of any extended-warranty agreement; • service, default and collection fees; and• taxes and licence or registration fees; • credit insurance.

make building a better life - home | pricing guide€¢ proof of income/payslip. • your south...

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