of mind - nedbank.co.za€¦ · for free. make your money . work harder for you . join us....

OF MINDSupport a cause close to

your heart – for free

Make your money work harder for you

Join usHassle-free

for free

Bank securely _

anytime, anywhere

Best banking at your fingertips

Travel the worldworry-free

see money differently

24572 Nedbank Senior Brochure_V2.indd 1 2018/12/24 14:19

SUPPORT A CAUSE YOU CARE ABOUT WHO WOULD’VE THOUGHT THAT BANKING COULD BE REWARDING?

BEST BANKING AT YOUR FINGERTIPS

BANK SECURELY – ANYTIME, ANYWHERE

A LITTLE HELP FOR THE THINGS YOU NEED

MAKE YOUR MONEY WORK HARDER FOR YOU

WHEN THERE’S MORE MONTH AT THE END OF YOUR MONEY

1

2

5

10

11

14

18


WHEN LIFE THROWS A CURVE BALL

WE’VE GONE GLOBAL

TRAVEL THE WORLD, WORRY-FREE

PLAN AHEAD FOR THOSE YOU LEAVE BEHIND

JOIN US – HASSLE-FREE, FOR FREE

HOW TO SUBMIT A COMPLAINT

THE NATIONAL CREDIT ACT

20

21

24

26

27

28

29


It’s easy to support a cause close to your heart – that’s what the Nedbank Affinity Programme is for. All you have to do is link your Nedbank credit card, current, savings or investment account to your chosen affinity, whether it’s the Children’s, Green, Sport or Arts Affinity – at no cost to you. Here’s what they’re about:

The Nedbank Children’s Affinity, in partnership with the Nelson Mandela Children’s Fund, supports children in need.

For more information please visit nedbank.co.za or call us 0860 555 111.

The Nedbank Green Affinity supports conservation of the environment through the WWF Nedbank Green Trust.

The Nedbank Sport Affinity supports sport development in South Africa through The Sports Trust.

The Nedbank Arts Affinity supports the development of South Africa’s arts through the Arts & Culture Trust.

SUPPORT A CAUSE YOU CARE ABOUT –

FOR FREE

1


WHO WOULD’VE THOUGHT THAT BANKING COULD BE

REWARDING?Nedbank Greenbacks Rewards gives you a simple way to earn, shop, invest and donate!

Spend and earn rewards daily Get rewarded on your everyday eligible spend*. Simply swipe your linked Nedbank credit or cheque card and start to earn Greenbacks – it’s that easy.

Earn unlimited rewards fasterWhen you swipe your Nedbank Greenbacks American Express® Card, you earn unlimited Greenbacks faster on all your eligible spend*.

Make spending rewards as easy as earning themYou get a Greenbacks SHOP Card for free and there is so much you can do with it. The SHOP Card is exclusive to Nedbank and is a rewards card like no other. It gives you instant access to your Greenbacks and allows you to spend them as you please.

You can use your SHOP Card to:• shop at over 100 000 stores;• draw cash at ATMs;• pay for fuel;• buy online; and• shop abroad.

Plus, use your Greenbacks SHOP Card at our discount partner stores, and get up to 60% discount. You can also go online at nedbankgreenbacks.co.za to spend your Greenbacks on anything you like – from travel to shopping.

For more information on earning and using your Greenbacks visit nedbankgreenbacks.co.za, or call 0860 555 111 or 011 710 4710.

* Eligible spend means all spend, excluding cash withdrawals, casino chip purchases, fuel purchases, finance or other card charges, fees or taxes levied by us or the government, purchases of travellers cheques or other negotiable instruments, garage card transactions, budget account instalments and interest thereon, insurance premiums and internet transfers or payments [electronic funds transfers (EFTs)] from your account.

2


1 Choose the right solutions that work for you.2 Sign up for Greenbacks Rewards and start reaping your rewards, or support a charity that means a lot to you, without it costing you anything.3 Get financially fit using the fitness tools to plan, budget and monitor your account.4 Bank securely at your leisure, anytime, anywhere, with our wide range of online and mobile solutions. If you prefer to speak to a banker, our branches now have extended banking hours.

Easy steps to make your money work harder for you

Look out for highlighted tips for managing your money like never before.

MANAGE YOURMONEYLIKE NEVER BEFORE

4


BEST BANKING ATYOUR FINGERTIPS

Choose the right account to suit your lifestyle. We have the right solution for all your banking needs.

EVERYDAY BANKINGChoose the right account to suit your lifestyle. We have the right solution for your everyday banking needs. If an Optimum account does not offer you the benefits you want, you could consider a Savvy account.

The Optimum Current Account This account is designed for our clients aged 55 and over, and includes a range of free benefits that allows you to get the best out of your day-to-day v

5


GOLDCHEQUE

5412

Choose the right account to suit your lifestyle. We have the right solution for your everyday banking needs. If an Optimum account does not offer you the benefits you want, you could consider a Savvy account.

BEST BANKING AT YOUR FINGERTIPS

A full-service transactional account if you are 55 years or over. Maintaining a

R10 000 investment account.

Individuals aged 55 years and over who maintain R10 000 or more in a Nedbank investment account. Non-residents are

welcome to apply at an additional monthly fee.

Your valid South African identity card/document or passport with a valid permit.


Individuals aged 55 years and over.Non-residents are welcome to apply at an

additional monthly fee.

A full-service transactional account if you are 55 years and over. Not maintaining a

R10 000 investment account.

Name of account Optimum Optimum

SEN

IOR

S B

AN

KIN

GA

DD

-ON

SFE

ATU

RES

AN

D B

ENEF

ITS

No monthly fee Monthly feeMonthly feeIncluded IncludedCard swipe

GOLDCHEQUE

5412

Pay as you useCheque deposit at Nedbank branches and ATMs Included

Pay as you useCheque payment Included

Pay as you useUnlimited debit and stop orders Included

IncludedMyPocket Included

IncludedSMS notifications (eNote) Included

OptionalGarage card

Who qualifies

What you will need to apply

Optional

OptionalGreenbacks Rewards Optional

OptionalOverdraft facility Optional

OptionalCredit card Optional

Pay as you useBalance enquiry in branch The first balance enquiry is free.

Statement enquiry in branch The first statement enquiry is free. The first statement enquiry is free.

Unlimited interaccount transfers and third-party payments at self-assisted Nedbank channels

Included Pay as you use

Free statement enquiry with self-assisted channels The first statement enquiry is free. The first statement enquiry is free.

6


GOLDCHEQUE

5412

Your valid South African identity card/document or passport with a valid permit. All overdraft facilities are subject to a credit assessment.


Individuals over the age of 18, with a minimum income of R3 000 a month. Non-residents are welcome to apply at an additional monthly fee.

Individuals over the age of 18, with a minimum income of R3 000 a month. Non-residents are welcome to apply at an additional monthly fee.

Individuals over the age of 16. Non-residents are welcome to apply at an additional

monthly fee.

Savvy Plus

Monthly fee Monthly fee Monthly fee

Nedbank Pay-as-you-use

Get total banking flexibility, including a Platinum Cheque Card, unlimited transactions, an overdraft facility,

membership of the Greenbacks Rewards Programme and other great benefits.

A no-frills transparent account with a flat monthly fee, allowing you to pay only for what you use and nothing more. You can add additional benefits when required.

If you do only a few transactions and want a fixed monthly fee and a Gold Cheque Card, this account is for you. Add more

benefits if and when you need them.

Savvy Bundle

Included Included Included

CLASSIC CHEQUE

5412

Pay as you use Pay as you use Pay as you use




Included Included Pay as you use

Optional Optional N/A

Optional Optional Optional







Your valid South African identity card/document or passport with a valid permit. All overdraft facilities are subject to a credit assessment.

7


MOBIMONEYMOBIMONEYNEDBANKNEDBANK

All you have to do is dial *120*002#, enter your name and South African ID number, that’s it.Your cellphone number is your account number.

Forget about carrying cash, because with Nedbank Mobi Money you pay zero monthly fees, and you can: • deposit up to R4 000 cash for free;• send money from one MobiMoney Account to another for free;• buy airtime and electricity for free;• pay your DStv account for only R5; and• enjoy your first cash withdrawal per month at a Nedbank ATM for free.

THIS ACCOUNT CAN BE OPENED ON YOUR CELLPHONE IN SECONDS.

8


All you have to do is dial *120*002#, enter your name and South African ID number, that’s it.Your cellphone number is your account number.

We understand that you want the flexibility to do your banking when and how you want. We have a number of banking channels available to you.

• Download the Nedbank Money app from your app store.• Go to nedbank.co.za for Online Banking.• Go to nedbank.mobi. for Cellphone Banking.• Dial *120*001# for SMS Banking.• Visit any Nedbank branch.

9


BANK SECURELYANYTIME, ANYWHEREBanking from work or home? No problem! Check out the secure range of online and mobile banking solutions from Nedbank.

With the Nedbank Money app™ you can bank anywhere you like, anytime you like, without using your data. So you can basically bank for free.

Scan to pay allows you to scan a QR code using the Nedbank Money app at points of sale at participating merchants. Approve-it™ is a security feature ensuring a safer online and mobile banking experience. You can bank with peace of mind, knowing your money is always safe. Buy prepaid electricity and airtime at your convenience. Use the Nedbank Money app or Nedbank Online Banking, or dial *120*001# from your cellphone. My eBills™ is a secure and convenient way to view and pay bills in one place. Now you can pay DStv and Tshwane, Ekurhuleni and eThekwini Municipality bills, as well

as other participating beneficiaries. This service is available through Online and Mobile Banking for your convenience. Cash deposits made at Instant Depositor ATMs are reflected in your account immediately. Skip the queues and use Video Banking. It’s a safe and convenient way to interact and do your banking face-to-face with a consultant. Self-service terminals allow you to perform a wide range of banking transactions. They are easy to use and cost-effective, and help you skip waiting in unnecessary queues. Just remember, they do not accept deposits or dispense cash. You can also withdraw and deposit money at Boxer tillpoints. It’s convenient and easy, and also cheaper than using ATMs. Make sure your beneficiaries know that you paid them by sending them notifications by SMS, email or fax.

10


By managing your money like never before, you will build a good credit record. This will ensure you always have the right type of credit to meet your future needs.

NEDBANK GOLD CREDIT CARDS • Enjoy discounted travel offers exclusive to

Nedbank cardholders. Save up to 30% on flights and accommodation.

• Get automatic basic travel insurance cover of up to R2 000 000 when you purchase your return travel tickets on your credit card.

• Get free additional cards for your spouse or partner.

• Enjoy zero fees on swipes. • Take advantage of up to 55 days’ interest-

free credit. • Select a budget repayment facility and pay

off your purchase over a period selected by you.

• Get free transactional SMSs. • Enjoy quick and easy payments with your

contactless-enabled card. • Pay for fuel purchases with your card and

avoid the risk of having to carry cash. • Choose whether you want optional credit life

cover.

NEDBANK PLATINUM CREDIT CARDS • Enjoy discounted travel offers exclusive to

Nedbank cardholders. Save up to 30% on flights and accommodation.

• Enjoy up to eight complimentary visits annually to domestic Bidvest airport lounges.

• Enjoy preferential debit interest rates. • Get automatic basic travel insurance cover

of up to R3 000 000 when you purchase your return travel tickets on your credit card.

• Get exclusive face-to-face card delivery. • Get free additional cards for your spouse or

partner and also free replacement cards. • You have the option to select a budget

repayment facility and pay off your purchase over a period selected by you.

• Enjoy zero fees on swipes. • Take advantage of up to 55 days’ interest-free credit. • Get free transactional SMSs. • Make quick and easy payments with your

contactless-enabled card. • Enjoy optional credit life cover.

FOR THE THINGS YOU NEEDA LITTLE HELP

11


With this card you enjoy:• double Miles on all eligible spend* in the first month after opening your

account;• up to 19 000 Bonus Miles on your first SAA ticket purchased and used;• one complimentary Continental or Global Companion Ticket a calendar

year when meeting spend thresholds;• a spend incentive of R300 000 (Premium Card) or R320 000 (Gold Card)

to get 15 000 Bonus Miles per calendar year;• an additional Global Companion Ticket if you spend R1 000 000 per

calendar year on your Premium Credit Card;• automatic travel insurance, with the option to top up at a discounted

rate; and• premium check-in and unlimited access to SAA-owned Premium

Departure Lounges when travelling on SAA-operated flights** or SAA-marketed flights*** where Mango is the operating carrier (Premium Card). Free access is granted to all holders of a Companion Ticket when accompanying the primary cardholder.

SAA VOYAGER CREDIT CARD

12


(available as an optional extra on the Optimum Current Account)

With this card you enjoy:• one Continental or Global Companion Ticket a calendar year when meeting

spend thresholds;• the fastest Voyager Miles earn rate on your everyday shopping –- double Miles on all eligible spend* in the first month after opening your

account and- up to 19 000 Bonus Miles on your first SAA ticket purchased and used;• a spend incentive of R300 000 (Premium Card) or R320 000 (Gold Card) to

get 15 000 Bonus Miles per calendar year;• automatic travel insurance, with the option to top up at a discounted rate;• premium check-in and unlimited access to SAA-owned Premium Departure

Lounges when travelling on SAA-operated flights** or SAA-marketed flights*** where Mango is the operating carrier (Premium Card). Free access is granted to all holders of a Companion Ticket when accompanying the primary cardholder.

** SAA-operated flights are flights where SAA sells seats on its own aircraft. SAA-operated flights are typically identified by flight number range SA001 to SA999. *** SAA-marketed flights are flights where SAA has entered into an agreement with other airlines to sell seats on those airline partners’ aircraft on specific routes. SAA-marketed codeshare flights [where SAA uses another airline (eg Mango) to operate the flight on its behalf] are typically identified by a four-digit flight number.

13

* Eligible spend means all spend, excluding cash withdrawals, casino chip purchases, fuel purchases, finance or other card charges, fees or taxes levied by us or the government, purchases of travellers cheques or other negotiable instruments, garage card transactions, budget account instalments and interest thereon, insurance premiums and internet transfers or payments [electronic funds transfers (EFTs)] from your account.


You’re never too young or old to save – whether for peace of mind in case of an emergency, for something special like a holiday or for spoiling your grandchildren.

You’ve worked hard for your money, so you deserve an opportunity to save towards your non-retirement savings and enjoy the proceeds without having to pay tax on it.

With the Tax-free Savings Account you’ll get highly competitive interest that adds to your savings, and you won’t have to pay any monthly fees or commissions. So your capital is guaranteed.

It’s so easy to open this account. All you need is:• your valid South African identity card/document; • proof of residence (electricity, water or phone account not older than three months); and • an opening deposit of R50.

TAX-FREE SAVINGS ACCOUNT

MAKE YOUR MONEY WORK HARDER FOR YOU

GET THE ACCOUNT THAT PAYS YOU BACK

If you need a hassle-free savings account linked to your transactional account giving you easy access to your funds, then MyPocket is for you. You pay no monthly fees, and you will immediately earn interest at great rates. You can access your funds anytime, anywhere, through our self-service channels without giving notice. You can open up to 10 pockets linked to your transactional account, so you can keep your savings separate, which makes it easier to keep track of your savings!

MyPocket can be opened if you are fully FICA’d only, so visit your nearest branch today.

NEDBANK MYPOCKET ACCOUNT

14


This savings product offers you the opportunity to contribute towards the creation and development of the green economy.

You get security on your capital and a great interest rate with guaranteed returns. Interest can be paid monthly, quarterly, half-yearly, annually or on maturity.

If you don’t want to pay fees or commissions, and want a range of terms from 18 to 60 months, then this is the right account for you.

Applying is easy. All you need is:• your valid South African identity

card/document;• proof of residence (electricity,

water or phone account); and• a minimum deposit of R1 000.

If you have a Nedbank Online Banking profile, you can open this account online.

The Nedbank Senior Green Savings Bond is available to individuals only.

NEDBANKSENIOR GREENSAVINGS BOND

THE NEDBANK MONEY APP REQUIRES NO DATA USE. SO YOU CAN BANK ANYWHERE, ANYTIME, WITHOUT USING YOUR DATA. YOU SIMPLY DOWNLOAD THE APP FROM YOUR APP STORE.

TIP

15


Legend: included

INVESTMENT OPTIONSWe offer a range of investment products that will give you peace of mind and make your money work harder for you. Whether you want to invest over the short, medium or long term, we have the right solution for you.

Nedbank investment products offer great rates, you pay no monthly fees or commissions, and your capital is guaranteed.

* A maximum amount of R33 000 per tax year per individual. Subject to possible annual change, as determined by National Treasury.

TYPE

PRODUCT NEDBANKMONEYTRADER

SHORT TERM MEDIUM TERM LONG TERM

Term N/A

R50 000

TAX-FREE FIXED DEPOSITS*

12 months

R1 000

NEDBANKGREEN

SAVINGS BOND

R1 000

On maturity

18 to 60 months

NEDBANKEASYACCESS

DEPOSIT

3 to 18 months

R2 000

Access up to 50% of your

funds with 24 hours’ notice

NEDBANKFIXED

DEPOSIT

R1 000

On maturity

1 to 17 months

24 hours’ notice

32DAYNOTICE

N/A

R250

32 days’ notice

NEDBANKJUSTINVEST

N/A

R500

24 hours’ notice

Access to funds

Great rate and capital guarantee

Minimum deposit

16


Interest rates are calculated daily and may change according to market conditions. All additional cash deposits will incur a fee.Payments to any account other than your Nedbank account will incur a fee.

No monthlyfees orcommissions

On maturity

* A maximum amount of R33 000 per tax year per individual. Subject to possible annual change, as determined by National Treasury.

GUARANTEEDINCOME PLANWhen it comes to managing your money better, the Guaranteed Income Plan is essential. This entails a single-premium endowment policy that guarantees to pay out the initial investment at maturity (five years) and an annuity that pays a guaranteed monthly income stream for 60 months.

With this plan you preserve your capital while you enjoy a guaranteed monthly income stream.

With a minimum investment of R50 000 over five years, this plan is affordable. The annuity payments consist of 60 monthly payments, which are made in advance.

Your withdrawal options prior to maturity are one part- or one full surrender on the endowment policy

only. This early withdrawal, however, will result in a cost that may reduce the value of your policy.

Every bit helps, and the good news is that your annuity payments are partially tax-exempt. Tax on the taxable portion will be deducted monthly before payment, so the capital amount paid at the end of the term is net of all tax. One less thing for you to worry about!

We offer you highly competitive rates every week.

TIP: OPEN AN INVESTMENT OR SAVINGS ACCOUNT AND YOU ALSO GET TO SUPPORT A CAUSE THAT MEANS A LOT TO YOU. REMEMBER THAT THE MORE YOU INVEST, THE MORE WE DONATE – AT NO COST TO YOU.

17


WHEN THERE’S MORE

MONTH AT THE END OF YOUR

MONEYNEDBANK OVERDRAFTAn overdraft is a flexible, cost-effective short-term way to borrow money. It is linked to your current account, so you get easy access to your money when you need it. It is a good way to help you manage unforeseen expenses for life’s little surprises and those tight moments between pay days.

To apply you will need:• a Nedbank transactional current account;• your valid South African identity card/document;• proof of residence (electricity, water or phone account); and• three months’ bank statements showing proof of income.

Visit any branch or call 0860 103 582.

Terms, conditions and fees apply. All overdraft and credit facilities are subject to a credit assessment.

18


Our overdraft insurance is your safety net. If you were suddenly unable to earn a living as a result of retrenchment, death or disablement, you’d want to make sure your overdraft was paid back so your family wouldn’t have to worry.

BENEFITS• If you pass away, we’ll pay out

the full cover amount whetheryou have used the overdraftfacility or not.

• If you become temporarilydisabled, we’ll pay up to sixmonthly instalments into youraccount, provided you remaindisabled throughout those sixmonths.

• If you’re retrenched, we’ll payup to 10% of your overdraftbalance for 10 months up to amaximum amount of R30 000.

NEDBANK OVERDRAFT

INSURANCE

TIP With Nedbank’s overdraft insurance, you’ll have a financial safety net when you really need it most. For further assistance feel free to speak to one of our sales consultants at any of our branches or visit nedbank.co.za/insurance.

19


WH

EN L

IFE

THRO

WS

A

CU

RVE

BALL

Sometimes life throws unexpected curve balls, so it’s important to have proper insurance.

Nedbank Insurance offers you a comprehensive range of simple, easy-to-understand insurance solutions that cover you and your family, your assets and your lifestyle. Our comprehensive range of insurance policies will give you the peace of mind that, whatever happens, things will be OK.

You can insure your assets, business and commercial properties, and also get insurance when you travel.

For more information visit nedbank.co.za/insurance.

EXPECT THE UNEXPECTEDAt Nedbank Insurance we provide benefits to all policyholders, regardless of their age. With the homeowner’s policy you get the following:

• Temporary accommodation whileyour home is being repaired if ithas been damaged by fire.

• R100 000 personal-accident coverif you are the bondholder.

• Personal-accident cover of up toR50 000 for your domestic worker.

• R15 000 cover if you have to removea fallen tree from your property.

• Up to R20 000 for onsite security ifthere has been a break-in.

• Up to R10 000 cover for burst,leaking or overflowing geysers.

Claims can be reported 24/7, 365 days a year, and you also have access to an emergency claim service. Call us on 0860 333 111 to discuss a premium rate appropriate to your risk profile.

TAKING CARE OF TOMORROWThe Nedbank Insurance Funeral Plan will help you take care of tomorrow, so that you can live your life today. Our plan is flexible, giving you the certainty that you and your loved ones will be remembered.

You may choose up to R75 000 cover for yourself or your spouse/life partner. These premiums are based on you or your spouse not being older than 55 years.

Call us on 0860 333 111 for more information.

YOU CAN REQUEST A QUOTE ONLINE AT NEDBANK.CO.ZA AND WE WILL GET BACK TO YOU WITH THE BEST SOLUTION FOR YOU.

TIP

WE’VE GONE GLOBAL

20


NO MATTER WHERE YOU ARE, YOU’LL HAVE THE RIGHT CASHNedbank Retail Foreign Exchange offers banknotes in all major currencies, which gives you the convenience of instant payment worldwide. For a full range of foreign exchange solutions go to nedbank.co.za.

YOUR OWN FOREIGN CURRENCY ACCOUNTManage your investments better by diversifying your portfolio and hedging against currency fluctuations.

TIP: You can use your Nedbank Foreign Currency Account to save for future payments to offshore beneficiaries. For example, there may be a time when you are not travelling but want to send money to other parts of the world, perhaps to children and grandchildren. Nedbank can assist you.

WE’VE GONE GLOBAL

21


INTO INVESTINGINTERNATIONALLY?

The Nedbank Foreign Currency Account

allows you to invest up to R10 million (foreign investment

allowance) in addition to your R1 million discretionary allowance

per year in the three major currencies of US dollar, British pound sterling and euro.

It also allows you to transfer funds in a foreign currency to an account held at an overseas bank.

To invest simply go to nedbank.co.za or

visit your nearest Nedbank branch. You must be 18 or older and a registered taxpayer, must have your valid South African identity card/document and proof of residence.

You will also need a foreign investment tax clearance certificate if you are using the foreign investment allowance.

To apply for the Foreign Currency Account go to nedbank.co.za or call the Nedbank Foreign Currency Account Desk on +27 (0)12 366 7450.

22


INTO INVESTINGINTERNATIONALLY?

MAKE PAYMENTS

THE BEST WAY TOSWIFT is a common, risk-free and secure electronic payment method used worldwide to move money between banks and currencies. With SWIFT funds are paid directly into a bank account, and transfers are value-dated for two days, so it’s efficient.

SWIFT is flexible and adaptable, and can be used for payments to South Africa and payments to a foreign beneficiary. It’s the best way to pay for imports, foreign subscriptions and hotel and tour bookings, or to send monetary gifts overseas.

23


TRAVEL CARDThe Nedbank Travel Card is a safe and convenient solution that gives you easy access to your money when you travel internationally.

You can load up to eight currencies at the same time and get a locked-in exchange rate, so no need to worry about currency conversion or exchange rate fluctuations when you travel.

You also get a free backup card in case your primary card is lost, stolen or damaged. No money is held on your card and it isn’t linked to your bank account. So, should your card be lost or stolen, you will still have access to your money.

You can also top up your card while you’re travelling.

Nedbank Travel Cards are accepted at over 34 million ATMs and merchants worldwide – anywhere you see the Mastercard logo.

TRAVEL THE WORLD,

WORRY -FREE

24


NEDBANK TRAVEL OFFERSSave up to 30% on flights and accommodation. Enjoy travel deals at a great discount, exclusive to Nedbank cardholders.

We have partnered with some of the world’s leading airlines to secure great travel deals. Nedbank cardholders can now save up to 30% on their travel purchase when they book and pay with their Nedbank credit, debit and American Express® Cards.

TRAVEL INSURANCENedbank travel insurance can protect you and your wallet from unforeseen events, so you can have peace of mind and enjoy your trip stress-free.

BENEFITS As a Nedbank cardholder, you get basic automatic travel insurance for both local and international travel when you purchase your travel ticket on your Nedbank credit or cheque card.

Nedbank travel insurance has been designed specifically with you in mind to protect you while you travel.

TIP:To have peace of mind when you are travelling feel free to speak to one of our sales consultants at any of our branches or visit nedbank.co.za/insurance.

WORRY -FREE

25


Nedbank can assist you in ensuring your will and estate planning are up to date.

It’s something we often postpone and don’t like to think about, but having a will is essential to allow life to carry on with minimum disruption for those you might leave behind.

Your Nedbank financial planner will gladly assist you with your will and estate planning. Remember that, whatever your situation, together with a Nedbank financial planner you can make the most of your personal vision

for your financial future and ensure financial stability for your family when you can no longer provide for them.

Our planners can help you analyse your financial needs and create an adaptable plan aimed at turning your goals into reality.

For more information or to speak to a Nedbank financial planner simply visit your nearest Nedbank. You can also call 0861 238 887 or visit nedbank.co.za.

NEDBANK WILL REVIEW YOUR EXISTING WILL OR DRAFT A NEW ONE FOR YOU. ONCE YOU HAVE REACHED THE AGE OF 60, WE’LL DRAW UP YOUR WILL FREE OF CHARGE, PROVIDED THAT YOUR ESTATE VALUE IS R2 500 000 OR MORE AND THAT NEDBANK (NEDGROUP TRUST) IS NOMINATED AS THE EXECUTOR OF YOUR ESTATE. HAVING A REPUTABLE AND EXPERIENCED EXECUTOR NOMINATED WILL GIVE YOU GREATER PEACE OF MIND.

TIP

PLAN AHEAD FOR THOSE YOU LEAVE BEHIND

26


Manage your money like never before by switching to Nedbank. Visit any Nedbank, download the Nedbank Money app, go to nedbank.mobi or nedbank.co.za, or call 0860 555 111.

Join us today. When you open your new account, we’ll deliver your card and documents right to your door – hassle-free, for free.

We’ll also move your salary payment to your new Nedbank account – hassle-free, for free.

And, you don’t have to worry about switching your debit orders. We will do it for you – hassle-free, for free.

HASSLE-FREE,FOR FREE

27

JOIN US -


We are committed to providing delightful client experiences. If we have delighted or disappointed you, contact us by:

• talking to a banker or visiting a branch;• calling our Client Complaint Helpdesk on• 0860 444 000 or +27 (0)11 710 4011

(always obtain a reference number);• sending a fax to +27 (0)10 251 0933; or• emailing us at [email protected]

Our team will investigate and remain in contact with you regularly during the process. We always try our best to resolve matters to your satisfaction. If we are unable to do so, you may contact the Ombudsman for Banking Services using the following contact information:

Tel: 0860 444 000 Website: obssa.co.za

You may also reach us through our Nedbank Money app, on Facebook and Twitter, or through the ‘Talk to us’ link on nedbank.co.za.

HOW TO SUBMIT A COMPLAINT

28


There’s no denying the value of credit. It puts experiences and a lifestyle within reach. Unfortunately, no matter how carefully it is managed, 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 informationUnder 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 you can check the accuracy thereof at any time.

Debt counsellingIf you think you are financially overcommitted, please contact your branch or the Nedbank Contact Centre on 0860 555 111 for information on debt review.

A list of registered debt counsellors is available from the National Credit Regulator’s Office on 0860 627 627 or at ncr.org.za.

THE NATIONAL CREDIT ACT

29


twitter.com/Nedbank

facebook.com/Nedbank

• app – requires no data use• Online Banking – go to nedbank.co.za• Cellphone Banking WAP – go to nedbank.mobi• SMS Banking – dial *120*001#• Visit any Nedbank branch• Nedbank Contact Centre – 0860 555 111

NEDBANKMONEYTM

Terms and conditions apply. | Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and registered credit provider (NCRCP16).

FOR MORE INFORMATION PLEASE VISITwww.nedbank.co.za

PEACE OF MIND


of mind - nedbank.co.za€¦ · for free. make your money . work harder for you . join us....

Documents