26139 Nedbank Savvy Bundle Brochure A4_(20 NOV).indd

Savvy Bundle

GET MONEY SAVVY

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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 your South African ID number, and that’s it!

Your cellphone number is your account number.

CONTENTS

Bank accounts

Nedbank Pay-as-you-use Account

Nedbank Savvy Plus Account

Nedbank Ke Yona Bundle Account

Nedbank Savvy Bundle Account

Nedbank MyPocket

Switch to Nedbank for greater control of your money

Banking channels

New Greenbacks

Nedbank Stokvel Account

Nedbank credit cards

Investment solutions

Overdraft

Nedbank overdraft insurance

A personal loan

Personal loan insurance

Nedbank Home Loans

Credit life insurance

Vehicle finance

Nedbank 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

26139 Nedbank Savvy Bundle Brochure A4_(20 NOV).indd 2-326139 Nedbank Savvy Bundle Brochure A4_(20 NOV).indd 2-3 2020/12/04 11:582020/12/04 11:58

CONTENTS

Bank accounts 3

Nedbank Pay-as-you-use Account 4

Nedbank Savvy Plus Account 4

Nedbank Ke Yona Bundle Account 4

Nedbank Savvy Bundle Account 4

Nedbank MyPocket 5

Switch to Nedbank for greater control of your money 5

Banking channels 5

New Greenbacks 6

Nedbank Stokvel Account 6

Nedbank credit cards 7

Investment solutions 10

Overdraft 1 1

Nedbank overdraft insurance 1 1

A personal loan 13

Personal loan insurance 13

Nedbank Home Loans 14

Credit life insurance 15

Vehicle finance 15

Nedbank Travel Card 15

Foreign Currency Account 16

Travel insurance 16

How to submit a complaint 19

The National Credit Act 19

Credit Bureau information 19

Debt counselling 19

Live your life, your way 19

3

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 your South African ID number, and that’s it!

Your cellphone number is your account number.

(TBC)


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.

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

• No minimum account balance is 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 nedbank.co.za, call us on 0860 555 111 or visit a branch.

SWITCH TO NEDBANK FOR GREATERCONTROL OF YOUR MONEYFind out just how easy it is to switch to the bank that’s different by opening a Nedbank account. To move your salary payments and your debit orders to Nedbank simply log in to your online banking profile or open the Money app and select to switch your salary or debit orders to us. No branch visits or phone calls required. We’ll take care of all the admin so that you can bank anytime, anywhere with all your money in one easy-to-manage place.

BANKING CHANNELS

SMS BankingDial *120*001#.

Online Banking Go to nedbank.co.za.

The Nedbank Money App LiteGo to nedbank.mobi.NEDBANK SAVVY BUNDLE ACCOUNT

• Get total banking flexibility for a fixed monthly fee, including a platinum credit and chequecard, unlimited transactions, and other great benefits, including: an overdraft facilityconveniently linked to your bank account;

• access to cash to cover shortfalls during the month;

• affordable access to cash, when you need it most;

• Greenbacks membership; and

• MyPocket savings solutions.5181

PLATINUM CHEQUE

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GOLDCHEQUE

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 month at Nedbank ATMs.

(Non-residents can apply at an additional monthly fee.)

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

(Non-residents can apply at an additional monthly fee.) GOLDCHEQUE

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The Nedbank Money appDownload it from your app store.



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.

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

• No minimum account balance is 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 nedbank.co.za, call us on 0860 555 111 or visit a branch.

SWITCH TO NEDBANK FOR GREATERCONTROL OF YOUR MONEYFind out just how easy it is to switch to the bank that’s different by opening a Nedbank account. To move your salary payments and your debit orders to Nedbank simply log in to your online banking profile or open the Money app and select to switch your salary or debit orders to us. No branch visits or phone calls required. We’ll take care of all the admin so that you can bank anytime, anywhere with all your money in one easy-to-manage place.

BANKING CHANNELS

SMS BankingDial *120*001#.

Online Banking Go to nedbank.co.za.

The Nedbank Money App LiteGo to nedbank.mobi.NEDBANK SAVVY BUNDLE ACCOUNT

• Get total banking flexibility for a fixed monthly fee, including a platinum credit and chequecard, unlimited transactions, and other great benefits, including: an overdraft facilityconveniently linked to your bank account;

• access to cash to cover shortfalls during the month;

• affordable access to cash, when you need it most;

• Greenbacks membership; and

• MyPocket savings solutions.

(Non-residents can apply at an additional monthly fee.)5181

PLATINUM CHEQUE

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GOLDCHEQUE

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 month at Nedbank ATMs.


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

(Non-residents can apply at an additional monthly fee.) GOLDCHEQUE

5179

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The Nedbank Money appDownload it from your app store.


NEW GREENBACKS The 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 theright money choices so that you can realiseyour goals and the future you aspire to.

Three things that make the new Greenbacks unique:

• Good money management – a lifetimeof better money choices to leave youbetter off financially.

• Exciting rewards – access to exclusivepartner deals, coupons, vouchers anddiscounts through the Greenbacks app.

• The opportunity to make a difference insociety – choose a cause close to yourheart and we will donate to a Nedbankaffinity of your choice at no cost to you.That way you can contribute to a betterSouth Africa.

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

• Card swiper. With this package weencourage you to use your Nedbankcard for all your purchases, so that youcan earn Greenbacks. You earn doubleGreenbacks when you swipe yourAmerican Express® Card.

• Money manager. This package will helpyou save on bank fees. We will remindyou to use our digital channels, whichare safer and convenient, saving you time.

• Responsible borrower. This packageis designed to help you stay in controlof your debt by enabling you to usecredit appropriately over your lifetimewhile maintaining a good credit score.The new Greenbacks – a moneymanagement programme that happensto reward you. That’s different.

NEDBANK CREDIT CARDS

Up to R3 000 000

Yes

Yes

Yes

R20

Benefits

Preferential interest rates

Automatic basic travel insurance

Exclusive personal card delivery

Flexible repaymentoptions

Additional-card fee

Up to R2 000 000

No

No

Yes

R20

GoldPlatinum

Yes, up to 12 visits a year

Access to Bidvest Premier airport lounges for domestic flights (terms and conditions apply)

No

Up to R1 000 000

No

No

Yes

R30

Classic

No

CLASSIC CHEQUE

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GOLDCHEQUECHEQUE

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DO LIFE DIFFERENTLY ON AVO BEST DEALS ON EVERYTHING!Download Avo – the latest all-in-one lifestyle shopping app! Get everything you need delivered to your door – all from the comfort of your couch. From daily groceries to delicious takeaways, topping up electricity and airtime, professional home services, unbeatable weekly deals on tech, appliances and gadgets, whatever you need – Avo has it all.

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

• You get R10 000 burial cover for each memberof your stokvel for only R25 per member permonth. This can be used to cover any costsassociated with burials. Plus, we’ll arrangetransport of the deceased to anywhere in SouthAfrica.

• You can get up to 10% discount on groceries orschool supplies when you shop at our selected partner stores.

• You pay zero account maintenance fees.

• You earn great interest rates on savingsso that your stokvel money can groweven faster.

• Each stokvel member can open a NedbankPay- as-you-use Account using a smart phone.This isa 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.

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


• Free grocery delivery from leading retail stores.• Find verified home service providers in your area –

any service from plumbing to party planning.• Shop the best weekly deals and must-haves from

your favourite brands.• Easily top up your Avo Wallet for easy and secure

mobile payments – scan to pay in-store.• Earn 1% cash back in Avo points on every

purchase.• Exchange your Greenbacks points in minutes on

Avo to shop the latest deals!

NEW GREENBACKS The 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 theright money choices so that you can realiseyour goals and the future you aspire to.

Three things that make the new Greenbacks unique:

• Good money management – a lifetimeof better money choices to leave youbetter off financially.

• Exciting rewards – access to exclusivepartner deals, coupons, vouchers anddiscounts through the Greenbacks app.

• The opportunity to make a difference insociety – choose a cause close to yourheart and we will donate to a Nedbankaffinity of your choice at no cost to you.That way you can contribute to a betterSouth Africa.

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

• Card swiper. With this package weencourage you to use your Nedbankcard for all your purchases, so that youcan earn Greenbacks. You earn doubleGreenbacks when you swipe yourAmerican Express® Card.

• Money manager. This package will helpyou save on bank fees. We will remindyou to use our digital channels, whichare safer and convenient, saving you time.

• Responsible borrower. This packageis designed to help you stay in controlof your debt by enabling you to usecredit appropriately over your lifetimewhile maintaining a good credit score.The new Greenbacks – a moneymanagement programme that happensto reward you. That’s different.

NEDBANK CREDIT CARDS

Up to R3 000 000

Yes

Yes

Yes

R20

Benefits

Preferential interest rates



Flexible repayment options

Additional-card fee

Up to R2 000 000

No

No

Yes

R20

GoldPlatinum

Yes, up to 12 visits a year

Access to Bidvest Premier airport lounges for domestic flights (terms and conditions apply)

No

Up to R1 000 000

No

No

Yes

R30

Classic

No

CLASSIC CHEQUE

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GOLDCHEQUECHEQUE

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DO LIFE DIFFERENTLY ON AVO BEST DEALS ON EVERYTHING!Download Avo – the super app that puts places all your shopping and home services in one place to bring you the very best of everything, safer ways to pay online, and peace of mind of knowing all the help you need is just a few screen taps away.

• Free grocery delivery from leading stores within hours of paying.

• Find top service providers closest to your home– any service from plumbing to party planning.

• Best weekly deals on your top brands andfavourite essentials.

• Simply top up your Avo Wallet for safe andeasy online payments without having to enter your banking details – you can also use it toscan and pay and tills.

• Every time you spend on Avo you earn 1% cash back.

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

• You get R10 000 burial cover for each memberof your stokvel for only R20 per member permonth. This can be used to cover any costsassociated with burials. Plus, we’ll arrange transport of the deceased to anywhere in South Africa.

• You can get up to 10% discount on groceries or school supplies when you shop at our selectedpartner stores.

• You 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 Account using a smart phone. This isa 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.

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


Benefits

Premium check-in

Preferential debit interest rate

Free additional card

Qualifying income per annum

Fastest SAA Voyager Miles earn rate

Always-on flight discounts


Bonus Miles

Additional Bonus Miles (applicable to the eligible spend on your card per calendar year)

Enrolment Bonus Miles

Companion Ticket***

Additional Global Companion Ticket

Once-off initiation fee

Monthly credit facility service fee


Premium lounge access

Double Miles on eligible spend* in the first month after your account has been opened

SAA Voyager Premium Credit Card

Yes

Yes

Yes, multiple

R300 000

Earn one Mile for every R6,00 of eligible spend* on your SAA Voyager American Express® Credit Card or earn one Mile for every R10,50 of eligible spend* on your SAA Voyager Mastercard Credit Card.

Get discounts on selected SAA domestic, regional and international flights, and promotional discounts of up to 40%**.

Up to R6 000 000 – get 20% discount on topup insurance.

19 000 Bonus Miles on your first SAA ticket purchased on your card, which is awarded on completion of travel.

For eligible spend* of R300 000 per calendar year you get 15 000 Bonus Miles.

New SAA Voyager members receive 2 500 Bonus Miles.

One SAA Continental Companion Ticket per calendar year (1 January to 31 December) when you achieve a spend threshold of R100 000, or a Global Companion Ticket when you reach a spend threshold of R200 000. No class restrictions.

For eligible spend* of R1 000 000 per calendar year you get an additional Global Companion Ticket.

No

R25,00

Yes

Unlimited access to SAA-owned Premium departure lounges when you travel on SAA-operated flights or SAA marketing flights where Mango is the operating carrier. Free access for all Companion Ticket holders when accompanying the primary cardholder.

Yes

Yes

Yes

Yes

R80 000








No

No

R19,00

No

No

Yes

SAA Voyager Gold Credit Card

PREMIUM CREDIT

3770 000000 00000

GOLD CREDIT

3770 000000 00000

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* ‘ Eligible spend’ means all spend (local and international purchases), excluding cash withdrawals, casino chip purchases, fuel purchases, finance or other card charges, fees or taxes levied by the government, purchases

of travellers’ cheques or other negotiable instruments, garage card transactions, budget account instalments and interest thereon, insurance premiums and online transfers or payments.

** Call +27 (0)11 510 8478 to book and pay with your SAA Voyager Card and get always-on discounts. You will get notifications of promotional flight discounts of up to 40%.

*** Companion Ticket: All taxes, fees, levies, charges and surcharges applicable to the Companion Ticket are for the passenger’s account.

*** Redemption rate is subject to change and are exclusive of carrier-imposed fees and taxes).


Benefits

Premium check-in

Preferential debit interest rate

Free additional card

Qualifying income per annum

Fastest SAA Voyager Miles earn rate

Always-on flight discounts


Bonus Miles

Additional Bonus Miles (applicable to the eligible spend on your card per calendar year)

Enrolment Bonus Miles

Companion Ticket***

Additional Global Companion Ticket

Once-off initiation fee

Monthly credit facility service fee


Premium lounge access

Double Miles on eligible spend* in the first month after your account has been opened

SAA Voyager Premium Credit Card

Yes

Yes

Yes, multiple

R300 000








For eligible spend* of R1 000 000 per calendar year you get an additional Global Companion Ticket.

No

R25,00

Yes

Unlimited access to SAA-owned Premium departure lounges when you travel on SAA-operated flights or SAA marketing flights where Mango is the operating carrier. Free access for all Companion Ticket holders when accompanying the primary cardholder.

Yes

Yes

Yes

Yes

R80 000








No

No

R19,00

No

No

Yes

SAA Voyager Gold Credit Card

PREMIUM CREDIT

3770 000000 00000

GOLD CREDIT

3770 000000 00000

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* ‘ Eligible spend’ means all spend (local and international purchases), excluding cash withdrawals, casino chippurchases, fuel purchases, finance or other card charges, fees or taxes levied by the government, purchases of travellers’ cheques or other negotiable instruments, garage card transactions, budget account instalments and interest thereon, insurance premiums and online transfers or payments.

** Call +27 (0)11 510 8478 to book and pay with your SAA Voyager Card and get always-on discounts. You will get notifications of promotional flight discounts of up to 40%.

*** Companion Ticket: All taxes, fees, levies, charges and surcharges applicable to the Companion Ticket are for the passenger’s account.

*** Redemption rate is subject to change and are exclusive of carrier-imposed fees and taxes).


• Affordable – cost-effective credit facility.

• Quick – instant access to extra cash when you need it.

• Convenient – linked to your current account for easy access.

To apply you will need:

• a Nedbank transactional current account into which your salary is paid. If you do not bank with us,visit nedbank.co.za and apply today;

• your valid South African identity card or document; and

• your latest bank statements for three months showingproof of income.

Do it yourself online at nedbank.co.za, at any branch or call us on 0860 103 582.

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

10 11

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.

Minimum deposit in branch

Minimum deposit online

Great interest rate and capital is guaranteed

No monthly maintenance fees or commissions

Term

Access to money

R500

R500

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

24-hournotice

R50 000

R50 000

24-hournotice

Can be opened online only

Can be opened in-branchonly



32-day notice

32-day notice

R500

R250

R250

24-hournotice

R25 000

R25 000R500

12 months 12 months

Access to upto 50% ofyour fundswith 24-hournotice

Onmaturity

Onmaturity

Onmaturity

R5 000

R1 000 R1 000

R1 000

1 to 60months

1 to 60months

Product Nedbank JustInvest

Nedbank MoneyTrader

32Day Notice

Electronic 32Day Notice

Nedbank EasyAccess Deposit

Tax-free fixed deposit

Fixed deposit

Electronicfixeddeposit

Tax-free savings account

NEDBANK OVERDRAFT INSURANCEHaving insurance for your overdraft facility will give you peace of mind knowing that your debt will be taken care of if you cannot earn a living.

You can get overdraft insurance if you are between 18 and 64 years.

BENEFITS:

• When you die or become permanently disabled, we’ll pay out the full insured overdraft amount, whether you’ve used the overdraft facility or not.

• If you become temporarily disabled, we’ll pay up to six monthly instalments into your account.

• If you are retrenched, we’ll pay up to 10% of your outstanding overdraft balance monthly (limited to an overall payment of R30 000 per claim).

TIP: With Nedbank’s overdraft insurance, you’ll have a financial safety net when you really need it most. For more information visit nedbank.co.za/insurance.

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 or American

Express® Credit Card.

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

• Get 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 on 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.

*Platinum cards only.


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

OVERDRAFT

A great way to help you manage unforeseen expenses and those tight moments between paydays.

Benefits:

OVERDRAFTA great way to help you manage unforeseen expenses and those tight moments between paydays.

Benefits:

• Affordable – cost-effective short-term solution to borrow money.

• Quick – instant access to extra cash when you need it. • Convenient – linked to your current account for easy access.

To apply you will need:

• a Nedbank transactional current account into which your salary is paid. If you do not bank with us,visit nedbank.co.za and apply today;

• your valid South African identity card or document; and

• your latest bank statements for three months showingproof of income.

Do it yourself on the Nedbank Money app or online at nedbank.co.za, at any branch or call us on 0860 103 582.


10 11

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 calculated daily as they change according to market conditions.

Minimum deposit in branch

Minimum depositonline

Great interest rate and capital is guaranteed

No monthly maintenancefees or commissions

Term

Access to money

R5 000

R5 000

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

24-hournotice

R50 000

R50 000

24-hournotice





32-day notice

32-day notice

R500

R250

R250

24-hournotice

R25 000

R25 000R500

12 months 12 months

Access to upto 50% ofyour fundswith 24-hournotice

Onmaturity

Onmaturity

Onmaturity

R5 000

R1 000 R1 000

R1 000

1 to 60months

1 to 60months

Product Nedbank JustInvest

Nedbank MoneyTrader

32Day Notice

Electronic 32Day Notice

Nedbank EasyAccess Deposit

Tax-free fixed deposit

Fixed deposit

Electronicfixeddeposit

Tax-free savings account

NEDBANK OVERDRAFT INSURANCEHaving insurance for your overdraft facility will give you peace of mind knowing that your debt will be taken care of if you cannot earn a living.

You can get overdraft insurance if you are between 18 and 64 years.

BENEFITS:

• In case of death or if you become permanently disabled, we’ll pay out the full insured overdraft amount, whether you’ve used the overdraft facility or not.

• If you become temporarily disabled, we’ll pay up to six monthly instalments into your account.

• If you are retrenched, we’ll pay up to to ten monthly instalments into your account (limited to R30 000 per claim).

TIP: With Nedbank’s overdraft insurance, you’ll have a financial safety net when you really need it most. For more information visit nedbank.co.za/insurance.

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 or American

Express® Credit Card.

• Enjoy fabulous discounted travel offers exclusive to Nedbank cardholders atnedbanktravel.co.za.

• Get 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 PlatinumCredit Card and up to R2 000 000 on the Nedbank gold card when you buy your returntravel 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.

*Platinum cards only.


A PERSONAL LOANWhatever your need, get access to a personal loan through one of our simple, safe and secure digital platforms today.

Benefits:

• Convenient – apply safely and securely via the Nedbank Money app, Online Banking or nedbank.co.za.*

• 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 that you can afford.

• Easy – monthly payments are debited from your account.

To apply you’ll need:

• to be employed under a permanent or fixed-term contract, or be self-employed (pensioners can now also apply);

• to earn a regular, net salary of at least R3 500 per month, paid electronically into your account;

• your valid South African identity document or card;

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

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

Apply online at nedbank.co.za, visit any branch or call 0860 103 582.


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:

• When you die, we will pay up to R300 000 to help cover yourpersonal loan.

• If you become disabled and can no longer earn an income, we will pay your monthly instalments.

• If you become unemployed, due to no fault of your own, or are unable to earn an income while remaining employed, we will cover up to 12 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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A PERSONAL LOANWhatever your need, get access to a personal loan through one of our simple, safe and secure digital platforms today.

Benefits:

• Convenient – apply safely and securely via the Nedbank Money app,Online Banking or nedbank.co.za.*

• 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 that you can afford.

• Easy – monthly payments are debited from your account.

To apply you’ll need:

• to be employed under a permanent or fixed-term contract, or be self-employed (pensioners can now also apply);

• to earn a regular, net salary of at least R3 500 per month, paid electronically into your account;

• your valid South African identity document or card;

• your most recent payslip(s) or your letter of employment if you are a contract worker or your pension remittance; and

• your stamped bank statements for the last three months (showing your salary payments). If you bank with Nedbank, Absa, Standard Bank or African Bank, we can arrange this on your behalf.

Apply online at nedbank.co.za, visit any branch or call 0860 103 582.

Terms, conditions and fees apply.

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:

• In case of death, we will pay up to R300 000 to help cover your personal loan.

• If you become disabled and can no longer earn an income, we will pay your monthly instalments.

• If you become unemployed, due to no fault of your own, or are unable to earn an income while remaining employed, we will cover up to 12 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 LOANSWe’re making home ownership accessible and easy with our guide for first-time home buyers.

1. Where to start

• Get approval in principle on the home loan amount you qualify for.

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

• Get free property reports, which give you information such as property value, comparative values and nearest amenities to help you make an informed 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:

• the 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 yourself: Apply on the NedbankMoney app or online at nedbank.co.za/homeloans.

• Call an expert: Our Home Loans salesconsultants are ready to guide youthrough the application process and caneven apply on your behalf. Send an emailto [email protected] and wewill arrange a convenient date and timeto meet you.

• Visit your local branch: Our extendedbanking hours offer more conveniencefor applications at a branch,with anexperienced banker to guide you throughthe process personally.

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

When you apply, we will need the following documents:

• A copy of your valid identitydocument or card.

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

• Your latest original bank statements forthree months, 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 if you qualify. You can use the amount as a deposit or pay it into your home loan account.

• You can get a home loan of up to 100% ofthe purchase price.

• You can get 50% discount on theattorney bond registration fee.

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

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

Terms and conditions apply.

CREDIT LIFE INSURANCEWhen 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:

• When you die, your home loan balance will be covered up to R2 million.

• If you become disabled and can’t earn an income, you will either receive a lump sum payment, or your monthly instalments will be paid on your behalf.

• You’ll get up to three months’ free accidental death cover before the transfer 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 have your new wheels and we will 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.

NEDBANK TRAVEL CARDThe Nedbank Travel Card is a safe and convenient solution that gives you easy access to your money when you travel internationally, which includes wide acceptance throughout Africa.

It is globally accepted at more than 34 million ATMs and merchant point-of-sale locations that are associated with Mastercard, giving you freedom and confidence knowing that your card will be accepted.

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 and manage your card from anywhere using the Nedbank Money app or Online Banking. You can also cash out your currency on these platforms.

Using the Nedbank app and Online Banking you can now manage and maintain your child’s travel card.

Apply online and we will deliver the cards to you.

Your card is reloadable for a three-year lifespan.

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NEDBANK HOMELOANSWe’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:

• the 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 yourself: Apply on the NedbankMoney app or online at nedbank.co.za/homeloans.

• Call an expert: Our Home Loans salesconsultants are ready to guide youthrough the application process and caneven apply on your behalf. Send an emailto [email protected] and wewill arrange a convenient date and timeto meet you.

• Visit your local branch: Our extendedbanking hours offer more conveniencefor applications at a branch,with anexperienced banker to guide you throughthe process personally.

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

When you apply, we will need the following documents:

• A copy of your valid identitydocument or card.

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

• Your latest original bank statements forthree months, stamped by the bank.

• Your latest payslip.

• Your marriage certificate (if applicable).

4. Why apply with us

• We can apply for the finance-linkedIndividual 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 up to 100% ofthe purchase price.

• You can get 50% discount on theattorney bond registration fee.

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

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

Terms and conditions apply.

CREDIT LIFE INSURANCEIn case of death or if you 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:

• When 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 alump sum 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 have your new wheels and we will 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 sale agreement is an agreement whereby the bank finances your purchase of a vehicle and the bank registers title over the vehicle as security for the loan.

Whether you are buying from a dealership or a private seller you can apply online. To apply and for a list of required documents please 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.

NEDBANK TRAVELCARDThe Nedbank Travel Card is a safe and convenient solution that gives you easy access to your money when you travel internationally, which includes wide acceptance throughout Africa.

It is globally accepted at more than 34 million ATMs and merchant point-of-sale locations that are associated with Mastercard, giving you freedom and confidence knowing that your card will be accepted.

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 and manage your card from anywhere using the Nedbank Money app or Online Banking. You can also cash out your currency on these platforms.

Using the Nedbank app and Online Banking you can now manage and maintain your child’s travel card.

Apply online and we will deliver the cards to you.

Your card is reloadable for a three-year lifespan.

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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 eight currencies: AUD, CAD, EUR, GBP, HKD, ILS, JPY and USD. The minimum account opening balance is USD100, or the equivalent in the other seven currencies.

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

You can deposit rand proceeds into your Nedbank transactional account to make saving for your trips easier.

Transfers can be done from the Foreign Currency Account to a travel card and from a travel card to a Foreign Currency Account.

You can transfer money offshore using an outgoing payment.

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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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 eight currencies: AUD, CAD, EUR, GBP, HKD, ILS, JPY and USD. The minimum account opening balance is USD100, or the equivalent in the other seven currencies.

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

You can deposit rand proceeds into your Nedbank transactional account to make saving for your trips easier.

Transfers can be done from the Foreign Currency Account to a travel card and from a travel card to a Foreign Currency Account.

You can transfer money offshore using an 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; or

• calling our Client Complaint Helpdesk on 0860 444 000 or +27 (0)11 710 4011

(always get a reference number); or

• sending a fax to +27 (0)10 251 0933; or

• emailing us at [email protected].

THE NATIONAL CREDIT ACTThere’s no denying the value of credit. It puts experiences and a lifestyle within our reach. Unfortunately, no matterhow 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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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; or

• calling our Client Complaint Helpdesk on0860 444 000 or +27 (0)11 710 4011 (always get a reference number); or

• sending a fax to +27 (0)10 251 0933; or

• emailing us at [email protected].

THE NATIONAL CREDIT ACTThere’s no denying the value of credit. It puts experiences and a lifestyle within our reach. Unfortunately, no matterhow 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 VISITnedbank.co.za

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