PRICING GUIDE 2015

PRICING GUIDE 2015
Elite Banking
Still bringing you real banking value
Moving Forward
TM
Elite Banking gives you value
for money
• Elite Banking is specially designed to keep up with your
lifestyle and growing financial needs, giving you the value
you are looking for.
Elite Banking offers an Elite Plus second current account
for your spouse or life partner at a reduced monthly fee, as
well as additional cards linked to your account for your spouse,
partner or family.
Elite Banking pricing
There are three pricing options to choose from:
• Fixed monthly service fee (Plus option)
– pay a fixed monthly service fee for a bundle of
transactions and services.
– S hould the customer exceed the transactions included in
the bundle per month, the additional transactions will be
priced according to the PAYT option.
• Pay as you transact with a minimum monthly service fee
– you pay for each transaction.
• Rebate – keep a specified minimum daily balance in your
account for a full calendar month and we will refund
a portion of the service fees incurred under
‘Pay as you transact’.
Need an account for your child?
We realise that your child requires banking which is affordable,
convenient and meets their individual financial needs.
The following banking solutions are available:
• (sum)1 account – children between 0 and 16 years
• Student Achiever account – scholars/students between
16 and 23 years.
For more information contact your nearest branch or visit
www.standardbank.co.za/studentachiever
2
Fixed monthly management fee (Plus option)1,2
Monthly fee
R95,00
This fee includes:
Electronic transactions³
Unlimited
Cheques (issued and deposited)
1
Standard Bank ATM cash withdrawals/AccessPoint
(cash-out)1
6
Branch cash withdrawals
1
AutoBank cash deposits/AccessPoint (cash-in)1
3
Electronic balance enquiries and
Standard Bank ATM mini-statements
Unlimited
TravelWallet activation only
Free
Annual Gold Cheque card fee
Included
Debit/Cheque card purchases
Free
Monthly Internet Banking subscription fee
Free
MyUpdates (email/SMS notifications)
Free
*Includes secondary Gold cards at no extra cost, which shares the main cardholder’s
account limit. (If your spouse or life partner prefers a separate credit card with
their own limit they can apply in their own name and will be subject to the normal
application and approval process and fee structure).
1
Transactions performed at AccessPoints are included.
2
Transactions in excess of the specified maximum and those not shown in this table,
will attract ‘Pay as you transact’ fees.
3
This includes any combination of debit and stop orders, electronic inter-account
transfers, electronic account payments and debit/cheque card transactions.
4
Instant transfer of money between Standard Bank customers using Cellphone
Banking. The recipients’ number must be linked to their account.
A second Elite Plus Current account
As an Elite Banking Plus Current customer, your spouse or
life partner also qualifies for an Elite Plus Current account at
a reduced monthly service fee of R78,00. The second Elite
Plus Current account, which can be opened in your spouse or
life partner’s name, has the same bundle of transactions and
services.
Your spouse or life partner will receive:
• Their own Elite Plus Current account operating as
a separate account, with the same transaction
bundle included.
• Their own Gold Cheque card with no annual card fees.
3
Pay as you transact option
Deposits
Cheque deposits1 – At Standard Bank ATM
– At branch
R20,00
R25,00
Cash deposits
– At Standard Bank ATM
– At branch
R4,00 + 1.25% of value
R11,00 + 1.25% of value
Cash withdrawals
At Standard Bank ATM2,3
R4,00 + 1.15% of value
At branch
– Using a Cheque card,
Credit card or Debit card3
– Cheque encashment
R33,00 + 1.35% of value
Branch cash withdrawal fee
+ cheque service fee
International ATM
R33,00 + 1.40% of value
Payments
Prepaid recharges using
Standard Bank
– Cellphone Banking and
Mobile App
– Internet Banking
– ATM2
Free
Free
R1,10
Electronic inter-account transfers
(excluding savings and investment
accounts)
R3,70
Stop order4
R5,20
Electronic account payment
R5,00
Cheque card purchase
Free
Debit card purchase
Free
Debit order4
R12,50
Branch inter-account transfers
and account payments (to
Standard Bank third parties)
R42,00
Cheque service fee
R4,50 + 1.60% of value
(maximum total fee R50,00)
Bank cheque
R85,00
4
Other monthly fees
Monthly service fee on arranged
overdraft limits above R500,00
R30,00
Monthly service fee on
unauthorised overdrafts
R57,00
Minimum monthly service fee
includes Standard Bank ATM
cash withdrawals, electronic
inter-account transfers,
electronic account payments,
Cheque card purchases, debit
orders and cheque service fee5
R53,00
Monthly Internet Banking
subscription fee
Free
Annual cheque card fee for Pay
as you transact
Free
1
Deposit fee is charged on each cheque deposited.
Prepaid recharges at another bank’s ATMs will attract a fee of R6,70. When using
another bank’s ATM to draw cash, you will pay the Standard Bank ATM cash
withdrawal fee and an additional R6,70.
3
Where there is no Standard Bank ATM available in a town or if it is offline, the
Standard Bank ATM cash withdrawal fee applies.
4
Debit and stop orders to another Standard Bank account in favour of personal
loan/RCP/WTP/student loans are only charged at R4,00.
5
The minimum monthly service fee will be charged if the total combined
service fees are not more than this amount.
2
Rebate option
The rebate is applicable to fees incurred on Standard Bank
ATM cash withdrawals, electronic inter-account transfers,
electronic account payments, debit orders, cheques and
Cheque card purchases. It also applies to the minimum
monthly service fee.
Minimum daily positive balance
for the full calendar month
Maximum
monthly rebate
R10 000 to R19 999
R85,00
R20 000 to R29 999
R125,00
R30 000 to R49 999
R225,00
R50 000 to R99 999
R280,00
R100 000+
R420,00
5
Personal/Owner Loan Protection Plan
Plan D
Plan E
Plan F
Age
Bands
Death,
permanent
disability, dread
disease and
retrenchment
Death,
permanent
disability, and
retrenchment
Death
18 – 59
R2,39
R2,01
R1,24
To calculate: Divide your outstanding balance by R1 000, then
multiply by the rate = monthly premium. (The premium decreases
as your outstanding balance decreases).
The following fees apply unless specifically excluded
Information
Balance enquiries and mini-statements
At Standard Bank ATM (display)
At Standard Bank ATM (print)
At branch
At another bank’s ATM
Free
R1,10
R6,50
R5,00
Provisional statements
At AutoPlus – 30 days: one free a month,
thereafter
At branch
R5,00
R30,00
Transaction history
At AutoPlus – 60 days
At AutoPlus – 90 days
At AutoPlus – 180 days
R8,00
R11,00
R13,50
Transaction history
At branch – 60 days
At branch – 90 days
At branch – 180 days
R33,00
R50,00
R50,00
Internet and Cellphone Banking statements
Formal emailed statements
Posted statements
Free
Free
R11,00
Internet Banking payment confirmation fee
By email
By SMS
By Fax
MyUpdates
(Email/SMS notifications)
R1,00
R1,00
R3,50
Free
Chequebooks
Elite non-carbonised chequebooks
6
R52,50
Other Services
Declined cash withdrawal
At Standard Bank ATM
At another bank’s ATM
R2,50
R4,70
Depositing a post-dated cheque
R100,00
Garage card transaction fee
R5,20
Replacement card
Debit card
Debit card (Chip/EMV card)
Cheque card
R50,00
R125,00
R125,00
Special clearance on cheques deposited
R100,00
Stop payments on cheques and debit orders
R45,00
Stop order (establish/change/cancel) fee
R16,00
Disputed debit orders (if after 40 days and
customer proved wrong)
R200,00
1
Dishonour fee
R115,00
Honouring fee2
R120,00
PIN re-set ATM
Free
PIN re-set branch
R3,50
Point of sale decline due to insufficient funds
R7,00
Internet future dated payment unpaid
R30,00
Will drafting fee (complex will)
R589,00
Will drafting fee (pre-printed will)
R516,00
Will review (this fee may be waived by the
intermediary)
R310,00
Will safe custody annual fee
R135,00
1
A charge for a payment that we dishonour due to insufficient funds in
your account.
A charge for a payment that we honour when you do not have sufficient funds
2
in your account.
Tips on how to manage your account
The following tips will assist you in banking faster and cheaper
– at your own convenience:
• Prepaid Top-up (Recharge) can be done using
Standard Bank Mobile App, Telephone, Internet
and Cellphone Banking.
• Avoid paying cheque deposit fee and have money
transfered into your account.
7
7
• Electronic transfers using Internet, Cellphone and
Telephone banking and Mobile App is cost-effective.
• Swipe your Debit, Cheque and Credit card when purchasing
at retailers.
• Shop online with your Cheque or Credit card.
• Balance enquiries are free on Mobile App, Cellphone,
Telephone and Internet Banking channels.
Contact us
General customer
enquiries
– South Africa
–International
0860 123 000
+27 11 299 4701
Email
elite@standardbank.co.za
Lost or stolen cards
Internet
0800 020 600/+27 11 299 4114
www.standardbank.co.za/elite
Cellphone Banking
Fraud
*120*2345#
0800 222 050/+27 11 641 6114
This brochure is not a full list of our prices. For further information, please contact
your branch. Prices include VAT and are subject to change.
UCount Rewards
Join our rewards programme for just R20 a month and collect
rewards points every time you shop with your Standard Bank
personal Debit/Cheque or Credit Card. Get up to 10%* back on
groceries and up to 1.25%* back on all your other purchases!
Visit www.standardbank.co.za/UCount for more info.
*Terms and conditions apply.
Move forward with our innovative
payment and banking products!
SnapScan
SnapScan is an innovative app that lets you pay for things with
your smartphone. It’s a simple, safe and convenient way to pay.
Download* the SnapScan app from your app store or go to
www.getsnapscan.com, link your bank card and enjoy unbelievably
simple payments. SnapScan can be used with any MasterCard® and
Visa credit or cheque cards, as well as selected debit cards, issued
by any bank in South Africa.
8
8
Tap & go™
Buying small items on the run has just become faster with
your MasterCard® contactless card from Standard Bank.
Waste no time when you pay for purchases up to R200.
All you need to do is tap your card and go. Apply online at
www.standardbank.co.za for yours and use it wherever you
see the contactless symbol .
MasterPass
Shopping on your computer, tablet or smartphone online
is easier and more secure with MasterPass™. Download* the
app and shop, click and checkout faster online! MasterPass
can be used with any MasterCard® and Visa credit or cheque
card, as well as selected debit cards, issued by any bank in
South Africa. Visit www.standardbank.co.za/masterpass for
more info.
InstantMoney®
Send money via your cellphone to anyone in South Africa –
quickly and safely! Creating an InstantMoney voucher is as
easy as buying airtime – and funds can be sent by anyone,
to anyone – even if they don’t have a bank account. Find
out more at www.standardbank.co.za/instantmoney
App for Smartphones or Tablets
You decide where and when you need to do your banking.
Simply open the secure banking app on your smartphone
or tablet, make payments, do transfers, buy prepaid airtime
and much more. Download* our revolutionary banking app
from your app store or at www.standardbank.co.za/app
*Network providers’ standard data charges will apply.
Terms and conditions apply.
9
9
Disclaimer
Our products and services, and the terms under which they are offered,
may change. We will inform you within a reasonable time of these changes.
It is in your interest to read your contract carefully. If you have any questions or
need more information please contact your branch. Standard Bank subscribes to
the Code of Banking Practice. Please ask your branch for details.
Standard Bank supports the
Ombudsman for Banking Services
Sharecall number 0860 800 900
Standard Bank supports the
Ombudsman for Banking Services
Sharecall
number 0860 800 900
provider
(NCRCP15)
Authorised financial services and registered credit
The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06).
Moving Forward is a trademark of The Standard Bank of South Africa Limited.
SBSA 193205-11/14 PG0020
10