MAKE YOUR MONEY HUSTLE

Day-to-day banking

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CONTENTS

Bank accounts

Nedbank Pay-as-you-use Account

Nedbank Savvy Plus Account

Nedbank Savvy Bundle Account

Nedbank MyPocket

Banking channels

New Greenbacks

Nedbank Stokvel Account

Investment solutions

Nedbank and Greenbacks Credit Cards

Credit card insurance

A personal loan

Personal loan insurance

Nedbank Home Loans

Credit life insurance

Vehicle finance

Travel Card

Foreign Currency Account

Travel insurance

How to submit a complaint

The National Credit Act

Credit Bureau information

Debt counselling

Live your life, your way 14

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BANK ACCOUNTSNedbank MobiMoney *120*002#Turn your cellphone number into a bank account and:

• get one FREE withdrawal a month at a Nedbank ATM;

• send and receive money for free;

• buy airtime and electricity for free;

• deposit up to R4 000 for free; and

• pay your DStv account.

All you have to do is dial *120*002# and enter your name and South African ID number – that’s it!

Your cellphone number is your account number.

NEDBANK PAY-AS-YOU-USE ACCOUNTAn account with zero monthly maintenance fees and a free gold cheque card, allowing you to pay only for what you use and nothing more. With this account you can do all your banking on the Nedbank MoneyTM app without using your data.

(Non-residents are welcome to apply at an additional monthly fee.)

NEDBANK SAVVY BUNDLE ACCOUNTGet total banking flexibility for a fixed monthly fee, including a platinum credit and cheque card, unlimited transactions, and other great benefits, including:

• an overdraft facility;

• Greenbacks membership; and

• MyPocket savings solutions.

(Non-residents are welcome to apply at an additional monthly fee.)

NEDBANK SAVVY PLUS ACCOUNTIf you do a few transactions only and want a fixed monthly fee and a gold cheque card, this account is for you. You can always add more benefits if and when you need them.

You get:• unlimited card swipes;

• unlimited debit orders; and

• four free withdrawals a monthat Nedbank ATMs.

(Non-residents are welcome to apply at an additional monthly fee.)

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NEDBANK MYPOCKETMyPocket is a free budgeting and savings pocket linked to your current account. You earn interest and you have instant access to your money.

• You pay no monthly account fees.

• You enjoy competitive interest rates.

• You can open up to 10 pockets and earn interest on each pocket.

• You can do free interaccount transfers using Nedbank Online Banking or the Nedbank Money app.

• No minimum account balance required.

Save for unforeseen expenses and short-term goals such as school fees, vet bills, car expenses and travel costs.

For more information on our accounts go to www.nedbank.co.za, call the Nedbank Contact Centre on 0860 555 111 or visit us at a branch.

BANKING CHANNELS

The Nedbank Money app liteGo to nedbank.mobi.

SMS BankingDial *120*001#.

The Nedbank Money appDownload it from your app store.

Online Banking Go to nedbank.co.za.

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NEW GREENBACKSThe new Greenbacks is a money management programme designed to improve your financial know-how by guiding and helping you make better money choices. With this programme we will nudge and prompt you to make good money choices – and reward you for doing so. Over time, it will be easier to identify and make the right money choices so you can realise your goals and the future you aspire to.

Three things that make the new Greenbacks unique:

• Good money management – a lifetime of better money choicesto leave you better off financially.

• Exciting rewards – access to exclusive partner deals, coupons, vouchers and discounts through the Greenbacks app.

• The opportunity to make a difference in society – choose a cause closeto your heart and we’ll donate to a Nedbank affinity of your choice atno cost to you. That way you can contribute to a better South Africa.

The programme has various packages of good money choices that are easy to understand and ‘do’. Each package includes relevant rewards to encourage and inspire you to achieve your goals.

• Card swiper. With this package we encourage you to use your Nedbankcard for all your purchases, so you can earn Greenbacks. You earn doubleGreenbacks when you swipe your American Express® Card.

• Money manager. This package will help you save on bank fees.We will remind you to use our digital channels, which are saferand more convenient, saving you time.

• Responsible borrower. This package is designed to help you stayin control of your debt by enabling you to use credit appropriatelyover your lifetime while maintaining a good credit score.

The new Greenbacks – a money management programme that happens to reward you. That’s different.

NEDBANK STOKVEL ACCOUNTOpen a Nedbank Stokvel Account on your phone and get great benefits:

• You get R10 000 burial cover for each qualifying member of your stokvel for only R20 per member per month. This can be used to cover any costs associated with burials. Plus, we’ll arrange transport of the deceased to anywherein South Africa.

• You can get up to 10% discount on groceries or school supplieswhen you shop at our selected partner stores.

• You’ll pay zero account maintenance fees.

• You earn great interest rates on savings so that your stokvel money can grow even faster.

• Each stokvel member can open a Nedbank Pay-as-you-use Accountusing a smart phone. This is a safer way for members to pay contributions and receive payouts.

• Members must be between 18 and 65 years to qualify for burial cover.

• There’s no limit on the number of members that can join your stokvel.

Dial *120*001*7865835# to open your Nedbank Stokvel Account or visit a branch today. Once you have opened your account, we’ll always be here for you. Call 0860 555 111 for any assistance or visit us at nedbank.co.za.

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Term

Can be opened at a branch only

Can be opened online only

R25 000

R25 000

12 months 12 months

Access to upto 50% ofyour fundswithin 24hours

Onmaturity

Onmaturity

Onmaturity

R5 000

R1 000 R1 000

R1 000

1 to 60months

1 to 60months

Nedbank EasyAccess Deposit

Tax-free fixed deposit

Fixed deposit

Electronicfixeddeposit

INVESTMENT SOLUTIONSWe offer a range of investment solutions 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 investments offer great rates, you pay no monthly fees or commissions, and your initial capital is guaranteed.

Interest rates are quoted daily, as they change according to market conditions.

NEDBANK AND GREENBACKS CREDIT CARDS• Earn unlimited Greenbacks twice as fast with the Nedbank Greenbacks

American Express® Credit Card.

• Fabulous discounted travel offers exclusive to Nedbank cardholders at nedbanktravel.co.za.

• Up to 12 complimentary visits* at domestic Bidvest airport lounges a year.

• Enjoy preferential interest rates*.

• Get automatic basic travel insurance up to R3 000 000 on the Nedbank platinum credit card and up to R2 000 000 with the Nedbank gold card when you buy your return travel ticket using your card.

• Free replacement cards*.

• Get an additional card for your spouse or partner and earn Greenbacks faster.

• Enjoy zero fees on swipes and take advantage of up to 55 days’ interest-free credit.

• Get free transactional SMSs.

• Enjoy optional credit life cover.

Minimum deposit in branch

Minimum deposit online

Great interest rate and capital is guaranteed

No monthly maintenance fees or commissions

Notice period to access funds

R5 000

R5 000

N/A N/A N/A N/A N/A

24 hours

R50 000

R50 000

24 hours

Can be opened online only

Can be opened at a branch only

32 days 32 days

R500

R250

R250

24 hours

R500

Product Nedbank JustInvest

Nedbank MoneyTrader

32Day Notice

Electronic 32Day notice

Tax-free savings account

* Platinum cards only

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CREDIT CARD INSURANCEIf you die, are retrenched, become disabled or you are diagnosed with a dread disease, our credit card insurance can help to take care of the outstanding balance on your credit card.

BENEFITS:

• Your credit card debt will be taken care of if you can no longer manage to pay it, so your family won’t have to bear the financial burden.

• It is quick and easy to apply, and no medical tests are required.

• You can choose from different cover options.

A PERSONAL LOANWhatever your need – a personal loan can be a stepping stone to improving your life.

BENEFITS:

• Convenient – try our fully digital online application.

• Quick – the money is paid directly into your account.

• Flexible – you get a repayment term tailored just for you.

• Affordable – you get a loan amount and interest rate that you can afford.

• Easy – monthly payments are debited from your account.

TO QUALIFY YOU’LL NEED:

• to be employed under a permanent or fixed-term contract, or be self-employed;

• to earn at least R3 500 per month (net), paid electronically into your account;

• your valid South African identity document/card;

• your most recent payslip(s) or your letter of employment if you are a contractworker; and

• your stamped bank statements for the last three months (showing your salarypayments). If you bank with Nedbank, Absa or Standard Bank, we can arrangethis on your behalf.

Do it yourself on the Nedbank money app or online at nedbank.co.za/personalloans. Alternatively visit any branch or call 0860 103 582.

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

PERSONAL LOAN INSURANCEHaving personal loan credit protection will help to cover your loan repayments if you can no longer work, so your family won’t have to worry about it.

BENEFITS: • If you die, we’ll pay up to R300 000 to help cover your personal loan.

• If you become disabled and can no longer earn an income, we’ll payyour monthly instalments.

TIP: With personal loan insurance you’ll have financial help when you need it. For more information visit nedbank.co.za/insurance.

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NEDBANK HOME LOANS We’re making home ownership accessible and easy with our guide for first-time home buyers.

1. Where to start

• Get preapproval on the home loanamount you qualify for.

• Search for properties that suit yourneeds based on what you can afford.

• Get free property reports, which giveyou information such as property value,comparative values and nearestamenities to help you make aninformed decision.

You can get all this information on the Nedbank Money app. Don’t have the Nedbank Money app? Download it today.

2. Prepare for upfront costs which include:

• an initiation fee;

• transfer costs;

• transfer duty; and

• bond registration costs.

To get the estimate transfer and bond costs go to nedbank.co.za/homeloans and use our transfer and bond cost calculator.

3. Ways to apply

• Do it yourselfApply on the Nedbank Money appor online at nedbank.co.za/homeloans.

• Call an expertOur Home Loans sales consultantsare ready to guide you throughthe application process and can evenapply on your behalf. Send an emailto hl_directsales@nedbank.co.za andwe will arrange a convenient date andtime to meet you.

• Visit your local branchOur extended banking hours offer moreconvenience for applications at a branch, with an experienced banker to personallyguide you through the process.

• Call us on 0860 555 111Our contact centre agents provide expertadvice and assistance during each step ofyour home loan application.

When you apply, you need to submit the following documents:

• A copy of your valid identitydocument/card.

• A copy of the offer to purchase(OTP) that both you and the sellerhave signed.

• Your latest original three months’ bankstatements, stamped by the bank.

• Your latest payslip.

• Your marriage certificate (if applicable).

4. Why apply with us

• We can apply for the Finance-linked Individual Subsidy Programme (FLISP) government subsidy on your behalf.You can use the amount as a depositor pay it into your home loan account.

• You can get a home loan of upto 100%.

• You can get a 50% discount on the Nedbank attorney bond registration fee.

• We have special offers available;find out more at nedbank.co.za/homeloans.

All loan applications are subject to credit assessment and certain qualifying criteria. Terms and conditions apply.

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CREDIT LIFE INSURANCEIf you die, become disabled or are diagnosed with a dread disease, our home loan insurance can help take care of your bond repayments, so your family won’t have to worry about losing their home.

BENEFITS:

• If you die, your home loan balancewill be covered up to R2 million.

• If you become disabled and can’t earnan income, you will either receive a lumpsum payment or your monthlyinstalments will be paid on your behalf.

• You’ll get up to three months’ freeaccidental death cover before thetransfer of your property is finalised.

TIP: With our home loan insurance, your family’s home will be secured. For more information visit nedbank.co.za/insurance.

VEHICLE FINANCEYou’ve got your new wheels and we’ll help you pay for them. An instalment agreement is one of the ways to finance your car through MFC, a division of Nedbank.

An instalment agreement is when the bank buys the vehicle that you choose and sells it back to you over an agreed term at an agreed rate (you can choose a linked- or fixed-rate option).

Whether you are buying from a dealership or a private seller you can apply online and get your vehicle loan approval within hours. To apply visit mfc.co.za.

Don’t forget that it is compulsory to have comprehensive insurance against third-party claims and loss or damage for the full term of the finance agreement. Insurance can be arranged through Nedbank Insurance or an insurance provider of your choice.

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

You pay no transaction fees on your card purchases.

You can load up to eight currencies at the same time at 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.

You can buy and sell your currency, manage yours or your child's card from anywhere using the Nedbank Money app or online banking. You can also cash out your currency on these platforms.

Apply online and the cards will be delivered to you.

Your card is reloadable for a three-year lifespan.

FOREIGN CURRENCY ACCOUNTThis is an investment account denominated in foreign currency, offering interest rates linked to the London Interbank Offered Rate (LIBOR).

BENEFITS:

The Foreign Currency Account is available in 8 currencies AUD, CAD, EUR, GBP, HKD, ILS, JPY and USD. Minimum account opening balance of USD100 or the equivalent in the other seven currencies.

Withdrawal in South Africa is in rands (you can convert the funds from the currency account to rands) at the prevailing exchange rate.

Rand proceeds are deposited into a Nedbank transactional account.

Transfers can be done from the Foreign Currency Account to a Travel Card and from a Travel Card to a Foreign Currency Account.

You may transfer funds offshore through outward telegraphic transfer (OTT).

You can view your balances and transactions online or on the Nedbank money app.

TRAVEL INSURANCETravel is the ultimate experience as you discover new places and have new adventures. However, it can suddenly change from being fun to frustrating due to lost luggage, unexpected travel delays and medical emergencies. That is why travel insurance is so important for anyone planning to travel either locally or abroad.

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

TIP: To have peace of mind when you are travelling visit nedbank.co.za/insurance.

Terms and conditions apply to all products in this brochure. Go to www.nedbank.co.za for more information.

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HOW TO SUBMIT A COMPLAINTWe 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 get a reference number);• sending a fax to +27 (0)10 251 0933; or

• emailing us at clientfeedback@nedbank.co.za.

THE NATIONAL CREDIT ACTThere’s no denying the value of credit. It puts experiences and a lifestyle within our reach. Unfortunately, no matter how carefully we plan to manage 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 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, visit your nearest branch or call the Nedbank Contact Centre on 0860 555 111 for information about 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.

LIVE YOUR LIFE, YOUR WAY• Nedbank Money™ app – requires no data to use.

• Online Banking – go to nedbank.co.za.

• SMS Banking – dial *120*001#.

• Visit any Nedbank branch.

• Nedbank Contact Centre – 0860 555 111.

Twitter.com/NedbankFacebook.com/Nedbank

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Nedbank 135 Rivonia Campus135 Rivonia Road Sandown Sandton 2196 South AfricaPO Box 1144 Johannesburg 2000 South Africa

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

For more information about Nedbank’s new product offers talk to one of our Nedbank consultants.

FOR MORE INFORMATION PLEASE VISITnedbank.co.za