BUILDING A BETTER LIFE
MAKE
HAPPEN
For 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.
303
CONTENTS
Be more clever
with your money.
Day-to-day banking ...3
Nedbank Ke Yona Bundle Account...3
Nedbank Ke Yona Plus Account...3
Nedbank Ke Yona Pay-as-you-use Account...3
Save ...5
JustSave Account...5
Club Account...5
Invest ...7
Short-term investments...7
Medium-term investments...7
Long-term investments...7
Borrow ...9
Nedbank Ke Yona Credit Card...9
Personal loan...9
Home loan...9
Insure ...11
Funeral Plan...11
Funeral Plan Plus...11
Bank securely, anytime, anywhere ...13
Online and mobile banking...13
Other self-service banking channels...13
Complaint resolution and the National 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.
02
PRODUCT CHOOSE THE RIGHT ACCOUNT WHAT YOU GET INCLUDED
NEDBANK KE YONA BUNDLE ACCOUNT
Pay R49 per month for great-value banking.
If you need a full transactional account
with 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.
NEDBANK KE YONA PLUS ACCOUNT
Pay R5 per month and then pay only for the transactions you make.
This is a value bank account for those who perform a few 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.
NEDBANK KE YONA
PAY-AS-YOU-USE ACCOUNT
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.
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-iMali
TMby 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-iMali
TMby 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-iMali
TMby 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.
04
Visit any Nedbank branch or Nedbank kiosk in selected Pick n Pay or in Boxer stores, or call 0860 555 111.
05
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 you
It’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.
07
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 funds You get access to your money on a minimum of 24 hours’ notice.
How to access your funds You get access to 50% of your money on a minimum of 24 hours’ notice.
How to access your funds You get a guaranteed monthly income.
Investment term
On call. Investment term
The term of the investment ranges from three to 18 months.
Investment term
The term of the investment ranges from 18 to 60 months.
What you need to open a JustInvest 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 an EasyAccess Deposit
• 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 R2 000.
What you need to open a Nedbank Green Savings Bond
• 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 R1 000.
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 affordable loan, 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.
10
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 or Boxer 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 or Boxer 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 credit approval, including certain income source criteria. For a detailed list of documents required visit nedbank.co.za/homeloans.)
