Choose the pricing option that suits you best

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Choose the pricing option that suits you best

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How transaction fees work

In short, you pay either a fixed fee or a sliding scale fee, sometimes called ‘ad valorem’.

An example of how a fixed fee works is that when you perform account payments at an Absa ATM, you’ll pay a fixed fee per transaction, whether you pay R100,00 or R1 000.

With a sliding scale fee, you pay a base fee for the transaction itself plus a fee based on the value of the transaction. An example is the ATM cash withdrawal on a current account. There is a R3,95 base fee for the transaction plus a R1,25 fee per R100,00 withdrawn, which means a R500,00 cash withdrawal will cost you R10,20 (R3,95 + 5 x R1,25).

7 pricing options – at a glance

To get the most out of your banking, choose the product and pricing option that best suits your needs and your pocket. As your needs change, re-look your options. When choosing a transactional account, you can choose between various pricing options.

1. Pay-as-you-transact

This is the standard fee pricing option, where you are charged a Standard Fee for every transaction you make. 2. Value Bundle

You pay an affordable, fixed monthly fee from as little as R49,00 per month for a set number of transactions as part of your Value Bundle. Unused transactions roll over to the next month. Various value-adds are included.

3. Rebate Banking

Rebate Banking is a fee refund; it means you get all or part of a fee paid back to you as cash. You will not pay banking fees on certain transactions if you keep a set minimum balance in your account throughout the month. 4. Management Fee

This fee option allows you to perform a basket of transactions for a fixed monthly fee.

5. EasyFee

EasyFee is a management fee option where you pay a monthly fee based on the number of selected transactions you do each month. It offers you different pricing options to choose from, each with a set number of selected transactions. Once you’ve used all your set transactions you’re charged a single fee per selected transaction and no out of bundle penalty fees. 6. Package Fee

With our Current Account Package pricing options, you receive a fixed number of transactions free of charge for a fixed monthly fee. A Standard Fee per transaction applies for transactions performed in excess of your transaction bundle. Absa Current Account Package pricing options offer you the added benefit of a Credit Card with no monthly fee.

7. Prepaid

With this pricing option, an upfront fee is charged for all credits into the account. No fees are charged for transactions performed on Absa’s infrastructure.

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Transactional offerings

Product offerings

Pricing plans

Basic Banking Transact Pay-as-you-transact

Daily Banking Flexi Account Pay-as-you-transact Value Bundle Full-value Banking Gold Account Pay-as-you-transact Value Bundle Platinum Account Pay-as-you-transact Value Bundle Youth Banking Mega U Pay-as-you-transact

Student Banking Student Silver Management Fee Seniors Banking Prosperity Rebate Banking Islamic Banking

Islamic Youth Pay-as-you-transact Islamic Savings Pay-as-you-transact

Islamic Cheque Pay-as-you-transact Value Bundle Family Banking Shared Account Value Bundle

Savings and Investments

MoneyBuilder Pay-as-you-transact Depositor Plus Pay-as-you-transact Club Account Pay-as-you-transact Money Market Fund Pay-as-you-transact Credit Card Standard Fee Home Loans Standard Fee International Banking Standard Fee

Other offerings

Prepaid Debit Card Prepaid

Mzansi Pay-as-you-transact Current Accounts:

• Absa Current Account • Student Silver

• Prosperity • Islamic Cheque • Shared Account

Pay-as-you-transact

OneTouch Standard Fee Safe custody Standard Fee

Pricing plans

Product offerings

Off-sale products

Standard Fee ActiveSave, Sekulula

FlexiSelect, Silver, Potentiate and Gold Senior Packages Silver, Gold and Platinum

Rebate Banking Silver, Gold, Platinum, FlexiSelect, _{Gold Senior and Islamic Cheque}

Management Fee Silver, Gold, Platinum, Platinum Professional, Platinum Medical, Islamic Account, Potentiate and Prosperity

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Basic Banking

Transact

Monthly fees

Monthly administration fee R4,50 Monthly subscription fees –

Internet, Cellphone, Telephone Banking No charge Deposits

Cheque deposit: Branch counter R14,00 Cheque deposit: Absa ATM No charge

Cash deposit: Branch counter R6,20 + R1,35/R100 Cash deposit: Absa ATM R3,00 + R1,25/R100 Cardless cash deposit R5,25 + R1,25/R100 Cash withdrawals

Branch counter R33,00 + R1,40/R100

Absa ATM R4,20

Point of sale (POS) R1,00 Absa-supported ATM R4,20 Saswitch ATM / Post Office terminal R7,00 Overseas ATM / POS R50,00 Purchases

Prepaid-top-up at Absa ATM, POS, Internet, Cellphone,

Telephone IVR R1,00 POS – local No charge

POS – overseas R9,75 + R0,75/R100 (max. R45,00) Account payments and funds transfers Account payments • Branch counter • Absa ATM • Internet • Cellphone • Telephone IVR • Telephone Adviser-assisted R33,00 R3,00 R7,50 R3,00 R7,50 R14,50

Transact

A card-based account that gives access to the largest ATM network in the country and the convenience of 24/7 access to your money. No opening balance or minimum balance is required. This product allows for full electronic banking functionality including Internet Banking, Cellphone Banking, Telephone Banking and Absa ATMs. Qualifying clients can apply for an Absa ATM loan via an Absa ATM.

Tip: Choose the right product that gives you what you need and suits your budget, so you don’t pay for benefits

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Transact

Account payments and funds transfers Immediate interbank payment

• Internet, Cellphone, Telephone IVR

• Telephone Adviser-assisted R11,00 + R1,05/R100 (max. R65,00)R18,00 + R1,05/R100 (max. R65,00) Debit and stop orders

• Internal debit orders • External debit orders • Stop orders

No charge R3,00 No charge Funds transfers

• Absa ATM, Internet, Cellphone, Telephone IVR • Branch counter • Telephone Adviser-assisted No charge R33,00 R7,00 CashSend

• Absa ATM, Cellphone

• Internet R7,99R7,90 + R1,25/R100 Balance enquiries

Branch counter R2,45

Absa ATM No charge

POS No charge

Absa-supported ATM No charge Saswitch ATM / Post Office terminal R3,35 Internet, Cellphone, Telephone IVR No charge Telephone Adviser-assisted R2,45 Statement fees

Absa ATM ministatement R2,50 Absa CAT terminal full statement R5,00 Branch counter full statement R14,00 Mailed statement R14,00 eStatement(1) _{No charge}

Transaction history

• Enquiry – Internet, Cellphone, Telephone IVR(2)

• Enquiry – Telephone Adviser-assisted(2)

• Cellphone – SMS | Email | Fax

No charge R14,00

R0,75 | R0,75 | R3,00 Archived statements / Tax certificate – Internet R5,50 per statement Copies of statements (per statement)

• Less than 4 months old

• 4 months or older R14,00R34,00 Administration fees

Bank cheque R75,00

Stop payments

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Transact

Other fees

Notification fee (SMS or email) R0,50 Dishonoured / Returned payment No charge Notice of payment (Internet, Cellphone, Telephone)

• SMS | Email | Fax R0,75 | R0,75 | R3,00 Internet Banking notifications (includes RVN, TVN, logon alert)

• SMS | Email No charge Declined fee (insufficient funds)

• Absa ATM

• Absa-supported ATM

• Saswitch ATM / Post Office / Overseas ATM • POS

No charge No charge No charge No charge Returned cheque deposit No charge

Notes:

1. Clients can register for eStatements by logging on to Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’, or via Telephone Banking or by sending their request to estatementregistration@absa.co.za

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Daily Banking

Flexi Account

The Flexi Account is a full-service transactional account. This account gives you full access to all our channels, such as Internet and Cellphone Banking, and is ideally suited to clients who earn a regular monthly income.

Key benefits associated with this account include free funeral cover for clients aged between 18 and 65 years, Personal Health Advisor, Legal Assist, Discounted Doctors Network and Missing Assist. Please note that terms and conditions apply.

Flexi Account

Monthly fees

Branch counter R33,00 + R1,40/R100 Absa ATM R3,95 + R1,25/R100 Point of sale (POS) R3,95

Absa-supported ATM R6,95 + R1,25/R100 Saswitch ATM / Post Office terminal R9,95 + R1,25/R100 Overseas ATM / POS R50,00

Purchases

Prepaid-top-up at Absa ATM, POS, Internet, Cellphone,

Telephone IVR R1,00

POS – local R2,65

POS – overseas R9,75 + R0,75/R100 (max. R45,00) Account payments and funds transfers

Account payments

• Absa ATM, Internet, Cellphone, Telephone IVR • Branch counter

• Telephone Adviser-assisted

R7,50 R33,00 R14,50 Immediate interbank payment

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Flexi Account

Balance enquiries

Branch counter R2,45

Absa ATM R1,50 (first 2 free pm)

POS R1,00

Absa-supported ATM R2,95 Saswitch ATM / Post Office terminal R3,35 Overseas ATM / POS R4,00 Internet, Cellphone, Telephone IVR No charge Telephone Adviser-assisted R2,45 Statement fees

Absa ATM ministatement R2,50 Absa CAT terminal full statement R5,00 Full statement: Branch counter R14,00 Mailed statement R14,00 eStatement(1) _{No charge}

Transaction history

No charge R14,00

Bank cheque R75,00

Stop payments

• Branch, Internet, Telephone Adviser-assisted R30,00 Stop order establishment / amendment fee

• Branch, Internet, Telephone Adviser-assisted No charge Special clearance R75,00 Debit card replacement fee R60,00 Other fees

Notification fee (SMS or email) R0,50 Dishonoured / returned payment R5,00 Notice of payment (internet, Cellphone, Telephone)

• Absa ATM

R2,50 R3,00 R4,00 R2,00 Returned cheque deposit R75,00

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All other transactions not included in the above list or where transactions are on specific limits, will be charged at Pay-as-you-transact fees as applied on Gold Current Account as per pricing table on page 11.

Flexi Value Bundle

Monthly fees

Monthly service fees R49,00 Monthly subscription fees –

Internet, Cellphone, Telephone Banking No charge Transactions included

Cash withdrawals Absa ATM 3 Debit card purchases and withdrawals

• POS purchases • POS cash withdrawals

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Electronic account and beneficiary payments

• Account payments via Absa ATM, Internet, Cellphone, Telephone IVR

• External debit orders • External stop orders

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FundsTransfers and Internal Payments

• Funds transfers via Absa ATM, Internet, Cellphone, Telephone IVR • Internal debit orders

• Internal stop orders

Unlimited

Electronic information enquiries

• Statement – Absa ATM, Internet and Telephone IVR • Balance enquiries – Absa ATM, POS, Internet, Cellphone

and Telephone IVR

Unlimited

Notification (SMS or email) No charge eStatement(1) _{No charge}

Roll-over of unutilised transactions(2) _{1 month}

Notes:

1. Clients can register for eStatements by logging on to Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’, or via Telephone Banking or by sending their request to

estatementregistration@absa.co.za

2. Unutilised transactions for the current month will be added to the next month’s transaction limits (i.e. client who only uses 2 ATM withdrawals will have 4 ATM transactions in the subsequent month).

3. The following Internet, Cellphone and Telephone Banking transactions will generate a separate fee (in addition to the monthly service fee) on Value Bundles:

• Archived statements

• Immediate interbank payments • Notice of payments (fax, email and SMS) • CashSend

• Tax certificates

• Stop payments of cheques and debit orders

Flexi Value Bundle

With the Flexi Value Bundle, we offer you a selection of transactions free of charge for a low monthly fee of R49,00. Unutilised transactions for the current month will be added to the next month’s transaction limits.

Key benefits associated with this account include free funeral cover for clients aged between 18 and 65 years, Personal Health Advisor, Legal Assist, Discounted Doctors Network and Missing Assist. Please note that terms and conditions apply.

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Full-value Banking

Gold / Platinum Current Account

Pay-as-you-transact

With the Pay-as-you-transact (or Standard Fee) pricing option, you only pay for those transactions you use.

Gold / Platinum Current Account

Monthly fees

Monthly account fee R33,00 Monthly subscription fees –

Cash deposit: Branch counter(FVB) _{R6,20 + 1,35% of deposit value}

Cash deposit: Absa ATM R3,00 + R1,25/R100

Cardless cash deposit R5,25 + 1,25% of deposit value Cash withdrawals

Branch counter(FVB) _{R33,00 + R1,40/R100 (max. R500)}

Absa ATM R3,95 + R1,25/R100 Point of sale (POS) R3,95

Absa-supported ATM R6,95 + R1,25/R100 Saswitch ATM R9,95 + R1,25/R100 Overseas ATM / POS R50,00

Cheque encashment R33,00 + R1,40/R100 + cheque issued Purchases

Prepaid top-up at Absa ATM, POS, Internet, Cellphone,

Telephone IVR R1,00

POS – local R3,85

Account payments

• Absa ATM, Internet, Cellphone, Telephone IVR • Branch counter(FVB) • Telephone Adviser-assisted No charge R33,00 R7,00 CashSend

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Gold / Platinum Current Account

Balance enquiries Branch counter R2,45 Absa ATM R1,00 POS R1,00 Absa-supported ATM R2,95 Saswitch ATM R3,35

Overseas ATM / POS R4,00 Internet, Cellphone, Telephone IVR No charge Telephone Adviser-assisted R2,45 Statement fees

Transaction history

No charge R14,00

Bank cheque / marked cheque R75,00 Stop payments

• Branch, Internet, Telephone Adviser-assisted No charge Special clearance R75,00 Debit Card replacement fee R60,00 Cheque Card replacement fee / new card fee R70,00 Other fees

Notification fee (SMS or email) R0,50 Overdraft ledger fee (pm)

• For the overdraft provision on your account: - Overdraft of R250

- Overdraft over R250

• If your account goes into unauthorised overdraft / excess

No charge R18,00 R57,00 Dishonoured / returned payment or RD cheque(4) _R60,00

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Gold / Platinum Current Account

Other fees

Declined fee (insufficient funds) • Absa ATM

Notes:

(FVB)_{A R5,00 premium will apply to these transactions for Flexi Value Bundle clients.}

1. Only applicable to accounts that allow cheques to be issued.

2. Clients can register for eStatements by logging on to Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’, or via Telephone Banking or by sending their request to estatementregistration@absa.co.za 3. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax.

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Gold / Platinum Value Bundles

With the Value Bundle pricing option we offer you a selection of transactions free of charge for a low monthly fee. When you’ve used all the free transactions in your bundle, you will only pay Pay-as-you-transact fees per transaction as per pricing table on page 11. Unused transactions as allocated in your Value Bundle will roll over for one month if not used. You can get up to 50% discount on your monthly fee if you maintain a set positive balance in your account.

Furthermore, if your spouse chooses to take up a Gold or Platinum Value Bundle he / she qualifies for a 50% discount on his / her monthly fee. Your Value Bundle includes monthly cash back into your account if you have a Home Loan / Credit Card or Vehicle Finance with Absa depending on the Value Bundle you are on. You get free subscriptions to NotifyMe, Internet Banking, Telephone Banking and Cellphone Banking.

Gold Value Bundle

Platinum Value Bundle

Monthly fees

Monthly service fees R98,00 R149,00 Discounted monthly service fee:

• For maintaining a balance of:

- more than R10 000 = 10% discount; or - more than R20 000 = 20% discount; or - more than R30 000 = 50% discount

R88,20 R78,40 R49,00 R134,10 R119,20 R74,50 Monthly subscription fees –

Internet, Cellphone, Telephone Banking No charge No charge Priority Pass monthly fee (optional)(1) _N/A _R59,00

Transactions included Absa ATM cash deposits • Cash deposit Absa ATM • Cash deposit cash acceptor

• Cardless cash deposit at cash acceptor

5 5

Absa ATM cash withdrawals

• Cash withdrawals Absa ATM 6 8 Debit Card purchases and withdrawals

• Debit and Cheque Card purchases • Point-of-sale cash withdrawals

Unlimited Unlimited

Electronic account and beneficiary payments • Account payments via Absa ATM, Internet,

Cellphone, Telephone (IVR) • External debit orders • External stop orders

Unlimited Unlimited

Funds transfers and internal payments • Funds transfers via Absa ATM, Internet,

Cellphone, Telephone (IVR) • Internal debit orders • Internal stop orders

Unlimited Unlimited

• Statement – Absa ATM, Internet and Telephone (IVR) • Balance enquiries – Absa ATM, POS, Internet,

Cellphone and Telephone (IVR)

Unlimited Unlimited

Notification fee (SMS or email) No charge No charge eStatement(2) _{No charge} _{No charge}

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Gold Value Bundle

Platinum Value Bundle

Cross-product benefits

Cash back for your Credit Card R19,00 R41,00 Cash back for your Home Loan(4) _R15,00 _R20,00

Cash back for your Vehicle Finance R5,00 R5,00 Additional features

Spouse discount on monthly service fees 50% 50%

All other transactions not included in the above list or transactions done in excess of specific limits, will be charged at Pay-as-you-transact fees as applied on the Gold / Platinum Account as per pricing table on page 11.

Notes:

1. The first five visits per annum via Priority Pass are included in the monthly fee. Visits in excess of five will be charged at $33,00 per visit at the exchange rate on the day of billing.

Visit www.prioritypass.com for information on participating lounges. Please remember to keep a personal record of your visits so you know when your free visits have been used as statements are not provided. A fee of R60,00 will apply to Priority Pass card replacements. Priority Pass is for international and domestic lounge access.

2. Clients can register for eStatements by logging on to Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’, or via Telephone Banking or by sending their request to

estatementregistration@absa.co.za

3. Unutilised transactions for the current month will be added to the next month’s transaction limits (i.e. client who only uses 2 ATM withdrawals will have 8 ATM transactions in the subsequent month on a Gold Value Bundle).

4. Joint home loans and home loans under the Usury Act are excluded. 5. The following Internet, Cellphone and Telephone Banking transactions

will generate a separate fee (in addition to the monthly service fee) on Value Bundles:

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Mega U

Monthly fees

Monthly administration fee No charge Monthly subscription fees –

Cash deposit: Branch counter No charge if deposit is less than R500. R6,20 + R1,35/R100 of full deposit if deposit is greater than or equal to R500. Cash deposit: Absa ATM First R500 at no charge, thereafter

R1,25 per R100

Cardless cash deposit First R500 at no charge, thereafter R1,25 per R100

Cash withdrawals

Absa ATM R4,20

Prepaid top-up at Absa ATM, POS, Internet,

Cellphone, Telephone IVR R1,00 POS – local No charge POS – overseas R45,00 Account payments and funds transfers

Account payments

• Telephone Adviser-assisted R11,00 + R1,05/R100 (max. R65,00)R18,00 + R1,05/R100 (max. R65,00)

Youth Banking

Mega U

Mega U account is the ideal account to get you started with a bank account. You need to be younger than 18 years of age to qualify for these accounts. With this account you have the benefit of free debit card purchases, free SMS and email notifications, free Absa ATM balance enquiries and no monthly fee. Youth clients who bank smartly can bank free of charge.

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Mega U

Account payments and funds transfers Debit and stop orders

• Absa ATM, Internet, Cellphone, Telephone IVR • Branch counter • Telephone Adviser-assisted No charge R33,00 R7,00 CashSend • Absa ATM • Internet, Cellphone R7,99R7,90 + R1,25/R100 Balance enquiries Branch counter R2,45

Absa ATM No charge

POS R1,00

Transaction history

No charge R14,00

Bank cheque R75,00

Stop payments

• Branch, Internet, Telephone Adviser-assisted No charge Special clearance R75,00 Debit Card replacement fee R60,00

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Mega U

Other fees

Notification fee (SMS or email) No charge Dishonoured / returned payment R5,00 Notice of payment (Internet, Cellphone, Telephone)

• Absa ATM

Notes:

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Student Banking

Student Silver

EasyFee option Monthly fee Number of transactions included Fee per transaction thereafter Option 1 R17,00 Unlimited N/A

Student Silver

A Student Silver Current Account is the most cost-effective way to bank while you are a student. For as little as R17,00 per month, all your day-to-day banking needs are taken care of. A Student Silver Account provides you with unlimited access to Internet and Cellphone Banking as well as our ATM network, providing you with convenient and affordable access to your finances wherever you are.

EasyFee

The default pricing option on Student Silver is the EasyFee pricing option. With this option you can perform an unlimited number of selected transactions through our self-service channels for a fixed fee of R17,00 per month.

For Student Silver, there are no monthly subscription fees for NotifyMe and Internet, Cellphone and Telephone Banking. Most fees for transactions performed on these channels are included in the monthly service fee. Charges will be levied for immediate interbank payments, notice of payments or reminders, archived statements and tax certificates.

Transactions catered for in EasyFee

The monthly fee includes any combination of the following day-to-day transactions performed on any electronic channel (Absa ATM, Internet/Cellphone/Telephone Banking IVR):

• Absa ATM cash withdrawals • Absa ATM cash deposits

• Absa ATM balance enquiries and ministatements • CashSend at an Absa ATM

• Electronic funds transfers • Account payments

• Point-of-sale purchases and cash withdrawals (local) • Debit orders and stop orders

All other transactions not included in the above list (e.g. Saswitch transactions, branch counter transactions) will be charged for at the standard fee as reflected on the Pay-as-you-transact pricing table on page 46. For Student Silver, monthly mailed statements and eStatements(1)_{are free of charge.}

Note:

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Flexi Account (Seniors)

Pricing options

Seniors Rebate Banking(1)_{minimum balance} _{R5 000}

Monthly fees

Purchases

Prepaid top-up at Absa ATM, POS, Internet, Cellphone,

Telephone IVR R1,00

POS – local R2,65

Account payments • Absa ATM

• Internet, Cellphone, Telephone IVR • Branch counter • Telephone Adviser-assisted R7,50 R7,50 R33,00 R14,50 Immediate interbank payment

• Internal debit orders • External debit orders • Stop orders No charge R7,50 No charge

Seniors Banking

Flexi Account

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Flexi Account (Seniors)

Account payments and funds transfers Funds transfers

• Absa ATM

• Internet, Cellphone, Telephone IVR • Branch counter • Telephone Adviser-assisted No charge No charge R33,00 R7,00 CashSend • Absa ATM • Internet, Cellphone R7,90 + R1,25/R100R7,90 + R1,25/R100 Balance enquiries Branch counter R2,45

Absa ATM R1,50 (first 2 free pm)

POS R1,00

Transaction history

No charge R14,00

Bank cheque R75,00

Stop payments

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Flexi Account (Seniors)

Other fees

Notification fee (SMS or email) R0,50 Dishonoured / returned payment R5,00 Notice of payment (Internet, Cellphone, Telephone)

• Absa ATM

Notes:

1. Fees shaded indicate that no charge will be levied on this transaction when the minimum monthly account balance (as required on the Rebate Banking pricing option) is maintained throughout the month. This option is only available to our senior clients (aged 55 or over).

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Rebate Banking

Minimum monthly account balance N/A Maximum rebate amount R500,00 *No minimum balance is needed to be maintained in the

account. However, one of the following investments must be maintained with Absa in order to qualify for rebates: • 12 month (or longer) fixed deposit

• 12-18 month bonus deposit • Linked rate deposit

• MoneyBuilder • Money Market Fund • Investment Advantage • Depositor Plus R15 000 R15 000 R15 000 R15 000 R20 000 R20 000 R20 000

Prosperity

The Prosperity Account is one of the most affordable ways to bank if you are 55 years and older and earn more than R2 000 per month. If you can afford to invest R15 000 or more you have access to the Prosperity Rebate Banking option, where you receive up to R500,00 per month of daily banking transactions free of charge. As a Prosperity client, you also qualify for additional interest rate benefits on a selection of our investment accounts.

Tip: With the Rebate option you pay no banking fees on

certain transactions if you maintain a set minimum balance in your investment account. All other transactions not included under Rebate Banking will be charged at the Standard Pay-as-you-transact fee pricing as per the pricing table on page 46.

In addition to rebates on the current account, Prosperity clients will benefit from a concession on monthly fees and most transactional charges on Internet, Telephone and Cellphone Banking. Charges will be levied for immediate interbank payments, notice of payments or reminders, archived statements, CashSend and tax certificates.

Transactions exempt with Rebate Banking

Monthly fees Purchases Monthly account fee Prepaid top-up:

Absa ATM / POS Deposits

Cheque deposit: Branch counter / Absa ATM POS – local Cash deposit: Branch counter / Absa ATM POS – overseas Cash withdrawals Funds transfers Branch counter Branch counter

Absa ATM Absa ATM

Point of sale (POS) Balance enquiries Absa ATM / POS Absa ATM Account payments Statement fees Account payments

• Absa ATM • Branch counter

Absa ATM ministatement Other fees

Notification fee (SMS or email Debit orders and stop orders

Cheque encashment Cheques issued

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Islamic Youth

Monthly fees

Monthly administration fee No charge Monthly subscription fees –

Cash deposit: Branch counter No charge if deposit is less than R500. R6,20 + R1,35/R100 of full deposit if deposit is greater than or equal to R500. Cash deposit: Absa ATM First R500 at no charge,

thereafter R1,25 per R100 Cardless cash deposit First R500 at no charge,

thereafter R1,25 per R100 Cash withdrawals

Absa ATM R4,20

Prepaid-top-up at Absa ATM, POS, Internet,

Cellphone, Telephone IVR R1,00 POS – local No charge POS – overseas R45,00 Account payments and funds transfers

Account payments

• Telephone Adviser-assisted R11,00 + R1,05/R100 (max. R65,00)R18,00 + R1,05/R100 (max. R65,00)

Islamic Banking

Islamic Youth

An Islamic Youth Account is the ideal account to get you started with a bank account. You need to be younger than 18 years of age to qualify for these accounts.

With these accounts you have the benefit of free debit card purchases, free SMS and email notifications, free Absa ATM balance enquiries and no monthly fee. Youth clients who bank smartly can bank free of charge.

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Islamic Youth

Account payments and funds transfers Debit and stop orders

• Absa ATM, Internet, Cellphone, Telephone IVR • Branch counter • Telephone Adviser-assisted No charge R33,00 R7,00 CashSend • Absa ATM • Internet, Cellphone R7,99R7,90 + R1,25/R100 Balance enquiries Branch counter R2,45

Absa ATM No charge

POS R1,00

Transaction history

No charge R14,00

Bank cheque R75,00

Stop payments

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Islamic Youth

Other fees

Notification fee (SMS or email) No charge Dishonoured / returned payment R5,00 Notice of payment (Internet, Cellphone, Telephone)

• Absa ATM

Notes:

1. Clients can register for eStatements by logging on to Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’, or via Telephone Banking or by sending their request to estatementregistration@absa.co.za 2. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax.

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Islamic Savings

Pricing options

Standard Fee √

Rebate Banking(1)_{minimum balance} _{R10 000}

Monthly fees

Monthly administration fee(2) _R17,00

Monthly subscription fees –

Purchases

Prepaid top-up at Absa ATM, POS, Internet,

Cellphone, Telephone IVR R1,00

POS – local R3,85

• Internet, Cellphone, Telephone IVR • Branch counter • Telephone Adviser-assisted R7,50 R7,50 R33,00 R14,50 Immediate interbank payments

• Internal debit orders

• External debit orders No chargeR7,50

Islamic Savings

This is a Shari’ah compliant transactional savings account that provides you with a pre-agreed profit share payout and a card that you can use to access your funds at any time via ATMs or Absa branches. There is no minimum or maximum investment period.

You can do all types of electronic payments and transfer transactions, and if you have R10 000 or more in your account, certain transaction fees will be waived. A minimum initial deposit of R50,00 is required to open the account and a minimum balance of R50,00 must be maintained.

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Islamic Savings

Account payments and funds transfers Funds transfers

• Absa ATM

• Internet, Cellphone, Telephone IVR • Branch counter • Telephone Adviser-assisted No charge No charge R33,00 R7,00 CashSend • Absa ATM • Internet, Cellphone R7,90 + R1,25/R100R7,90 + R1,25/R100 Balance enquiries Branch counter R2,45 Absa ATM R1,00 POS R1,00 Absa-supported ATM R2,95 Saswitch ATM / Post Office terminal R3,35 Overseas ATM / POS R4,00 Internet, Cellphone, Telephone IVR No charge Telephone Adviser-assisted R2,45 Statement fees

Transaction history

No charge R14,00

Bank cheque R75,00

Stop payments

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Islamic Savings

Other fees

Notification fee (SMS or email) R0,50 Dishonoured / Returned payment(5) _R60,00

Notice of payment (Internet, Cellphone, Telephone)

• Absa ATM

Notes:

1. Fees shaded indicate that no charge will be levied on this transaction when the minimum monthly account balance (as required on the Rebate Banking pricing option) is maintained throughout the month.

2. Clients who maintain more than R2 000 in their account throughout the month, will be exempt from paying a monthly administration fee.

4. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax. 5. Increasing to R138,00 per transaction from the 4th_{occurrence within 12 months.}

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Islamic Cheque

Value Bundles

This is a Shari’ah compliant cheque product based on a Qard structure, and offers a transactional account vehicle that allows you to have an affordable Silver, Gold or Platinum Value Bundle pricing option. Bank from as little as R89,00 per month with a Value Bundle. With the Value Bundle pricing option we offer you a selection of transactions for a low monthly fee. When you’ve used all the transactions in your bundle, you will only pay Standard Fees per transaction as per the Pay-as-you-transact pricing table on page 46.

Unused transactions as allocated in your Value Bundle will roll-over for one month if not used. You can get up to 50% discount on your monthly fee if you maintain a set positive balance in your account. Furthermore, if your spouse chooses to take up a Silver, Gold or Platinum Value Bundle he/she qualifies for a 50% discount on his/her monthly fee. Your Value Bundle includes monthly cash back into your account for having a home loan*/credit card*/vehicle finance/personal loan* or micro loan* with Absa, dependent on the Value Bundle you are on. You get subscriptions to NotifyMe, Internet Banking, Cellphone Banking and Telephone Banking as part of your Value Bundle option.

Silver

Value Bundle

Gold

Value Bundle

Platinum

Value Bundle

Monthly fees

Monthly service fees R89,00 R98,00 R149,00 Discounted monthly service fee:

• For maintaining a balance of:

- more than R10 000 = 10% discount; or - more than R20 000 = 20% discount; or - more than R30 000 = 50% discount

R80,10 R71,20 R44,50 R88,20 R78,40 R49,00 R134,10 R119,20 R74,50 Monthly subscription fees – Internet, Cellphone,

Telephone Banking No charge No charge No charge Priority Pass monthly fee (optional)(1) _N/A _N/A _R59,00

Transactions included Absa ATM cash deposits • Cash deposit Absa ATM • Cash deposit cash acceptor

5 5 5

• Cash withdrawals Absa ATM 5 6 8 Debit Card purchases and withdrawals

Unlimited Unlimited Unlimited

• Account payments via Absa ATM, Internet, Cellphone, Telephone IVR

• External debit orders • External stop orders

Funds transfers and internal payments

• Funds transfers via Absa ATM, Internet, Cellphone, Telephone IVR

• Internal debit orders • Internal stop orders

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Silver

Value Bundle

Gold

Value Bundle

Platinum

Value Bundle

Cross-product benefits

Cash back for your Credit Card R15,00 R19,00 R41,00 Cash back for your Home Loan(4) _R10,00 _R15,00 _R20,00

Cash back for your Vehicle Finance R0,00 R5,00 R5,00 Cash back for your Personal Loan R5,00 R0,00 R0,00 Additional features

• Spouse discount 50% 50% 50%

Notes:

1. The first five visits per annum via Priority Pass are included in the monthly fee. Visits in excess of five will be charged at $33,00 per visit at the exchange rate on the day of billing. Visit www.prioritypass.com for information on participating lounges. Please remember to keep a personal record of your visits so you know when your free visits have been used as statements are not provided. A fee of R60,00 will apply to Priority Pass card replacements. Priority Pass is for international and domestic lounge access.

2. Clients can register for eStatements by logging on to Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’,

or via Telephone Banking or by sending their request to estatementregistration@absa.co.za

3. Unutilised transactions for the current month will be added to the next month’s transaction limits (i.e. a Gold Value Bundle client who only

uses 2 ATM withdrawals will have 8 ATM transactions in the subsequent month).

4. Joint home loans and home loans under the Usury Act are excluded.

Note:

The following Internet, Cellphone and Telephone Banking transactions will generate a separate fee (in addition to the monthly service fee) on Value Bundles:

• Stop payments of cheques and debit orders * Not Shariah compliant.

All other transactions not included in the above list or transactions done in excess of specific limits, will be charged at Pay-as-you-transact fees as applied on the Silver Account as per pricing table on page 56, or on the Gold/Platinum Account as per pricing table on page 11.

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Family Banking

Shared Account

The Shared Account is a separate account that provides existing Absa accountholders with an additional account that the members can use to effectively manage payments. The main member and up to 4 (four) additional members can

be linked to the Shared Account within which funds are deposited. It provides the individuals with the ability to manage shared expenses like paying for a child’s school fees, managing payments for rent or to simply manage debit order payments at no additional cost.

Shared Account

Monthly fees

Monthly service fees No charge Transactions included

Absa ATM cash deposits • Cash deposit Absa ATM • Cash deposit cash acceptor

3

• Cash withdrawals Absa ATM 3 Debit Card purchases and withdrawals

Unlimited

• Account payments via Absa ATM, Internet, Cellphone, Telephone IVR • External debit orders

• External stop orders

Unlimited

Funds transfers and internal payments

• Funds transfers via Absa ATM, Internet, Cellphone, Telephone IVR • Internal debit orders

• Internal stop orders

Unlimited

• Statement – Absa ATM, Internet and Telephone IVR

• Balance enquiries – Absa ATM, POS, Internet, Cellphone and Telephone IVR

Unlimited

Notification fee (SMS or email) No charge

eStatement(1) _{No charge}

Roll-over of unutilised transactions(2) _{1 month}

All other transactions not included in the above list or transactions done in excess of specific limits, will be charged at Pay-as-you-transact fees as applied on the current account as per pricing table on page 46.

Notes:

1. Clients can register for eStatements by logging on to Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’,

or via Telephone Banking or by sending their request to estatementregistration@absa.co.za

2. Unutilised transactions for the current month will be added to the next month’s transaction limits (i.e. a Shared Account client who only uses 2 ATM withdrawals will have 4 ATM transactions in the subsequent month)

Note:

The following Internet, Cellphone and Telephone Banking transactions will generate a separate fee (in addition to the monthly service fee):

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Savings and Investments

Start saving for your future now with our range of savings and investment accounts. Absa Internet Banking clients can conveniently open a range of savings and investment accounts online without going into a branch. Keep your hard-earned savings in a savings or investment account to ensure you maximise your returns and keep control of your savings goals.

MoneyBuilder

Depositor Plus

Club Account

Monthly fees

Monthly administration fee No charge No charge No charge Deposits

Cheque deposit: Branch counter R14,00 R14,00 R14,00 Cheque deposit: Absa ATM No charge No charge N/A

Cash deposit: Branch counter R6,20 + R1,35/R100 R6,20 + R1,35/R100 R6,20 + R1,35/R100 Cash deposit: Absa ATM R3,00 + R1,25/R100

(first 2 ATM cash deposits free pm)

R3,00 + R1,25/R100 N/A

Cardless cash deposit R5,25 + R1,25/R100 R5,25 + R1,25/R100 N/A Cash withdrawals

Branch counter(1) _{R33,00 + R1,40/R100}

(max. R500) R33,00 + R1,40/R100(max. R500) R33,00 + R1,40/R100(max. R500) Absa ATM(1) _{R6,95 + R1,25/R100}

(first 2 free pa) R3,95 + R1,25/R100 N/A Absa-supported ATM R9,95 + R1,25/R100 R6,95 + R1,25/R100 N/A Saswitch ATM R12,95 + R1,25/R100 R9,95 + R1,25/R100 N/A Overseas ATM R50,00 R50,00 N/A Account payments and funds transfers

• Branch counter N/AN/A N/AN/A N/AR33,00 Debit and stop orders

• Internal debit orders • External debit orders • Stop orders N/A N/A N/A N/A N/A N/A No charge R7,50 No charge Funds transfers • Absa ATM(1) • Branch counter(1) No charge R33,00 No chargeR33,00 N/AR33,00 Balance enquiries Branch counter(1) _R2,45 _R2,45 _R2,45

Absa ATM(1) _{R1,00 (first 2 free pm)} _R1,00 _N/A

Absa-supported ATM R2,95 R2,95 N/A Saswitch ATM R3,35 R3,35 N/A Statement fees

Branch counter full statement(1) _R14,00 _R14,00 _R14,00

Absa ATM ministatement(1) _{R2,50 (first 2 free pm)} _R2,50 _N/A

Absa CAT terminal full statement(1) _R5,00 _R5,00 _N/A

Mailed statement R14,00 No charge R14,00 eStatement(2) _{No charge} _{No charge} _{No charge}

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MoneyBuilder

Depositor Plus

Club Account

Administration fees

Bank cheque(1) _R75,00 _R75,00 _R75,00

Stop payment instruction R30,00 R30,00 R30,00 Special clearance N/A N/A R75,00 Debit Card replacement fee N/A N/A N/A Other fees

Notification fee (SMS or email) R0,50 No charge No charge Dishonoured / returned payment(3) _N/A _N/A _R36,00

Declined fee (insufficient funds) • Absa ATM • Absa-supported ATM • Saswitch ATM • POS R2,50 R3,00 R4,00 N/A R2,50 R3,00 R4,00 N/A N/A N/A N/A N/A Returned cheque deposit R75,00 R75,00 R75,00

Notes:

1. For MoneyBuilder only: Provided a minimum balance of R100 000 is maintained in the account at all times, the transactions indicated will be exempt from standard charges.

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Money Market Fund

Monthly fees

Monthly administration fee No charge Commission

All credits into account except for counter cash deposits 0,40% Deposits

Cheque deposit: Branch counter Commission applicable Cheque deposit: Absa ATM Commission applicable Cash deposit: Branch counter R6,20 + R1,35/R100 Cash deposit: Absa ATM Commission applicable Cardless cash deposit Commission applicable Cash withdrawals

Branch counter(1) _{No charge}

Absa ATM(1) _{No charge}

Absa-supported ATM R6,95 + R1,25/R100 Saswitch ATM R9,95 + R1,25/R100

Overseas ATM R50,00

Account payments and funds transfers Account payments

• Absa ATM

• Branch counter N/AN/A Debit and stop orders

• Internal debit orders • External debit orders • Stop orders N/A N/A N/A Funds transfers • Absa ATM

• Branch counter No chargeNo charge Balance enquiries

Branch counter No charge

Absa ATM No charge

Absa-supported ATM R2,95

Saswitch ATM R3,35

Statement fees

Branch counter full statement No charge Absa ATM ministatement No charge Absa CAT terminal full statement No charge Mailed statement No charge eStatement(2) _{No charge}

Administration fees

Bank cheque(1) _R75,00

Stop payment instruction R30,00 Special clearance No charge

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Money Market Fund

Other fees

Notification fee (SMS or email) No charge Dishonoured / returned payment N/A Declined fee (insufficient funds)

• Absa ATM • Absa-supported ATM • Saswitch ATM • POS No charge No charge No charge No charge Returned cheque deposit R75,00

Notes:

1. Provided a minimum balance of R100 000 is maintained in the account at all times the transactions indicated will be exempt from standard charges.

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Credit Cards

Card type

Transact Credit Gold

Titanium

Platinum

Avios

(4)

Credit Card R50,00 pm R21,00 pm R35,00 pm R46,50 pm R35,00 pm

Affinity Card N/A R21,00 pm N/A N/A N/A

Garage Card N/A R16,00 pm R16,00 pm R16,00 pm N/A Secondary Card No charge No charge No charge No charge No charge When used wisely, your Credit Card is actually cheaper to use

than a Debit Card, as most of your purchase transactions are free. It’s also smarter to use your Credit Card instead of using cash – and here’s why:

• You get up to 57 interest-free days on purchases, excluding cash withdrawals, casino transactions, Internet Banking transfers, fuel purchases and budget plan purchases. This applies if all outstanding balances on the Credit Card account were fully paid by the due dates. Cash and Garage Card transactions are not included in the interest-free

period, as interest is charged from the date of transaction. Terms and conditions apply.

• Avoid paying cash deposit fees when you transfer payments to your Credit Card using electronic channels (Internet, Cellphone or ATM).

Tip: Use your Credit Card for fuel purchases, as no transaction

fees are charged when making fuel purchases with a Credit Card.

Credit Cards

Monthly Fees

Monthly subscription fees – Internet, Cellphone, Telephone Banking No charge Purchases

Credit Card purchases No charge Garage Card purchases R4,00 Deposits

Cash deposit: Branch counter R6,20 + R1,35/R100 Cash deposit: Absa ATM R3,00 + R1,25/R100 Cash withdrawals

Branch counter (any local bank) R33,00 + R1,40/R100 (max. R500) Absa ATM R3,95 + R1,25/R100

Absa-supported ATM R6,95 + R1,25/R100 Saswitch ATM R9,95 + R1,25/R100 Overseas ATM(1) _R50,00

Account payments and funds transfers Account payments

• Absa ATM

• Branch counter R7,50R33,00 Funds transfers

• Absa ATM

• Branch counter No chargeR33,00 Balance enquiries

Absa ATM R1,00

Absa-supported ATM R2,95 Saswitch ATM / Post Office terminal R3,35

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Credit Cards

Statement fees and notifications

Absa ATM ministatement R2,50 SMS / email notifications R0,50 Other fees

Replacement / lost card administration fee(2) _R110,00

Unpaid debit order / cheque fee R95,00 Invalid disputes fee – domestic transactions R42,00 Invalid disputes fee – international transactions R113,00

Duplicate statement fee R5,00 per request. R1,00 per page (max. R50,00). Face-to-face delivery(3) _R99,00

Same-day delivery R314,00

Bank cheque R75,00

Initiation fee R135,00 (R120,00 for Avios Credit Card) Load fee: Low-value payments (LVP)

• POS

• Branch, ATM, Internet, Cellphone, Telephone 3,5% of deposit value (minimum charge of R1,50)2,5% of deposit value (minimum charge of R1,50)

Notes:

1. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa. 2. We may charge a replacement card fee or lost card administration fee at our own discretion.

3. Face-to-face delivery:

• Free on Gold and Platinum Credit Card reissue and replacement cards only.

• Fee will be charged on all other products for reissue and replacement cards (if requested by client). 4. Avios Credit Card:

This Credit Card allows you to earn Avios each time you swipe and also includes a range of exciting lifestyle-enhancing special offers and discounts from MasterCard. It also includes promotions on shopping, travel, dining and lifestyle items together with automatically extended warranties and purchase protection.

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Home Loans

A Home Loan offers you flexible repayment terms so you can repay your loan over any term up to 30 years. You also get to choose from a range of interest rate options. Easy access means you can use the funds you have paid in advance in your Home Loan immediately with FlexiReserve. At any time,

you can choose to save interest by depositing an additional amount into your loan. As your property appreciates in value, you can also increase your loan amount to finance whatever you want.

Home Loans

Initiation fees

All loans 10% of the loan amount with a maximum of R5 000 + VAT Agreements entered into before 1 March 2012: See note(1)

Monthly service fees

MyHome clients(2) _R35,91

All other agreements R57,00 Deposits

Cash deposit:Branch counter(3) _{R6,20 + R1,35/R100}

Notes:

The monthly service fee on accounts with a total loan granted greater than R500 000, that does not fall within the National Credit Act (NCA), remains aligned to MyHome(2)_{at R35,91 (VAT inclusive). This is irrespective of}

whether the client has Absa Homeowner’s Insurance or is insured externally. Clients whose loans fall under the Usury Act (total loan granted less than R500 000 and entered into before the introduction of the NCA) will remain on the legislated fee of R5,70 (VAT inclusive).

1. For fees on agreements entered into prior to 1 March 2012, please visit your nearest Absa branch.

2. MyHome client – gross monthly income less than R17 600 (subject to change during 2014).

3. Fee applicable for all cash deposited in excess of the monthly instalment amount. Please note that ATM deposits, cheque deposits and electronic deposits are free of charge.

Early Settlement Interest

Penalty interest will be levied on all Home Loans cancelled, where clients have failed to give Absa 90-day prior notice of the intention of such closure, in accordance with the mortgage loan agreement signed during the application process.

In cases where clients give notice for a period shorter than the full requirement of 90 days, the interest calculation will be reduced by such period (i.e. if a client gives notice 30 days before account closure, he or she will only be liable for the remaining 60-day period, i.e. 90 days less actual days’ notice given).

Termination of fixed rate agreement

If the client wants to terminate the fixed-rate agreement before the expiry date of the fixed-rate term, the following rate penalty will apply:

• Minimum 1,00% interest premium to variable rate over original remaining term of the fixed rate contract.

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International Banking

Foreign exchange – general information

Whether your overseas trip is for business, pleasure or a combination thereof, Absa will help you with all your financial arrangements so that your trip is enjoyable and hassle-free.

Please note these important rules regarding foreign exchange

The South African Reserve Bank sets an annual amount that adults, children and business representatives may take overseas. As the rules and limits change from time to time, please ask us about the latest allowances. In terms of current South African Exchange Control regulations, you may not be given your foreign exchange more than 60 days before you leave. You will only be given your travel allowance if you have a valid passenger ticket, e-ticket or electronic flight voucher in your name, for a journey commencing from South Africa.

We can also provide you with foreign exchange for overland travel.

Absa’s Foreign Exchange Desk deals in all major foreign currencies and is able to provide foreign currency for travel or transactional purposes, including:

• American Express Travellers Cheques • Foreign banknotes

• Cash Passport

• Bank drafts and electronic funds transfers • An up-to-date listing of current exchange rates

Tip: Use an Absa Cash Passport when travelling

internationally. It is much safer and more convenient than carrying cash.

International Banking

Purchase and sale of foreign banknotes

Purchase and sale of foreign banknotes 1,68% Minimum R115,00

Travellers cheques

Travellers cheques sold 1,71% Minimum R130,00 Travellers cheques sold to Prosperity Card holders 1,50% Minimum R110,00 Travellers cheques purchased 1,71% Minimum R130,00 Travellers cheques repurchased from clients

who previously bought from Absa No charge

Visa letter R55,00

Cash Passport

Sale of Cash Passport 1,65% Minimum R100

Once-off card activation fee: (currency-based) Multi-currency Card Secondary Card $10,00 (USD) £7,50 (GBP) €10,00 (EUR) $10,00 (AUD) R50,00 (ZAR)

Repurchase of Cash Passport (cash out) Free if original purchase was from Absa

Bank drafts

Sale of bank drafts 1,5125% Minimum R181,50

Maximum R847,00

Transfer outwards

Telegraphic transfers outwards 0,462% Minimum R115,00 Maximum R603,75 Electronic cost R55,00

Transfer inwards

Inwards transfers received 0,462% Minimum R115,00 Maximum R603,75

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Note:

Tariffs contained herein for International Banking are quoted excluding VAT unless stated otherwise.

International Banking

Cash-handling fee Cash-handling fee

• Transaction value under R50 000

• Transaction value above R50 000 R250,00R6,20 + 1,35% (VAT incl.)

of the value of the cash exchanged for foreign currency

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Prepaid Debit Card

Monthly fees

Monthly administration fee(1) _{No charge}

Monthly subscription fees –

Internet, Cellphone, Telephone Banking N/A Once-off card fee R30,00 Deposits(2)

Cheque deposit: Branch counter 2,5% Cheque deposit: Absa ATM 2,5% Cash deposit: Branch counter 2,5% Cash deposit: Absa ATM 2,5% Cardless cash deposit 2,5% Cash withdrawals

Absa ATM No charge

Point of sale (POS) No charge Absa-supported ATM No charge Saswitch ATM / Post Office terminal R7,00 Overseas ATM / POS N/A Purchases

Prepaid-top-up at Absa ATM or POS No charge Prepaid-top-up at Internet, Cellphone, Telephone IVR N/A POS – local No charge

POS – overseas N/A

Account payments and funds transfers CashSend

• Absa ATM No charge Balance enquiries

Absa ATM No charge

POS No charge

Absa-supported ATM No charge Saswitch ATM No charge Post Office terminal No charge Statement fees

Absa ATM ministatement No charge

Other offerings

Prepaid Debit Card

The Prepaid Debit Card is a basic cash-in / cash-out account and is ideal for someone who only needs access to basic banking services such as deposits, cash withdrawals, Debit Card purchases and airtime top-ups. Debit orders and bill payments are restricted on the Prepaid Debit Card.

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Prepaid Debit Card

Statement fees

Copies of statements (per statement) • Less than 4 months old

Bank cheque N/A

Reissue card fee(3) _R30,00

Inactive fee (pm)(4) _R10,00

Special clearance No charge Debit Card replacement fee R60,00 Other fees

Notification fee (SMS or email) No charge Declined fee (insufficient funds)

• Absa ATM

No charge No charge No charge No charge Returned cheque deposit No charge

Notes:

1. A R10,00 administration fee will apply when the card expires and the client did not request the reissuing of a new card. 2. All credits to the Prepaid Debit Card Account will attract a fee of 2,5% of the value of the deposit amount, i.e. R2,50 for R100. 3. When a client requests a new card to replace the expired card, a reissue card fee will be charged.

Choose the pricing option that suits you best