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2020 Pricing Brochure

All fees quoted are VAT inclusive and are effective from 1 January 2020
CONTENTS
Everyday banking
• MobiMoney Welcome to our
• Nedbank Pay-as-you-use
• Ke Yona Bundle
handy pricing
• Savvy Plus brochure for 2020.
• Savvy Bundle Simply look for your product on the list to
Youth the left and click to view a summary of
your fees.
• Nedbank 4me
Nedbank is committed to making its fee
• Unlocked.me Student Account
structures simple, transparent and easy to
Seniors understand.
• Optimum For any fee-related queries call us at
Credit cards 0860 555 111 (office hours),

Personal loans
Home loans It costs less to use online

Savings and investments


TIP and mobile channels like the
Nedbank Money app
• Investment fees
• N-5000
• Money Market Investment Account
Foreign exchange
CONTENTS
Everyday banking
MobiMoney
Everyday banking / MobiMoney
• MobiMoney
• Nedbank Pay-as-you-use Some of the cool things you can do Other great benefits:
• Ke Yona Bundle using Nedbank MobiMoney: • Zero monthly maintenance fee;
• Savvy Plus • Send and receive money; • No documents required; and
• Savvy Bundle • Buy airtime and electricity; • No need to carry cash.
• Deposit up to R4 000 for free; and
Youth • Pay DSTV account. What you need to apply?
• Nedbank 4me • A cellphone;
• Unlocked.me Student
Who qualifies? • Your name and surname; and
Account • Individuals over the age of 16 with • Your valid South African identity number.
a valid South African identity
Seniors document.
• Optimum
Fee per transaction
Credit cards Buy prepaid airtime Free
Buy prepaid electricity Free
Personal loans Send from one MobiMoney account to another MobiMoney account Free
Deposit at a Nedbank ATM Deposit up to R4000 FREE per month, thereafter R5,00 per
R100
Home loans
Withdraw from a Nedbank ATM First withdrawal FREE per month, thereafter R10,00 per
withdrawal
Savings and investments Send money from a MobiMoney account to any cellphone (Send-iMali) R10,00
• Investment fees Pay DSTV R5,00
Transaction limits
• N-5000
Maximum funds held in Wallet anytime -  R24 000
• Money Market Withdrawal daily limit R4 000
Investment Account
Payment daily limit R4 000
Prepaid electricity daily limit R1 000
Foreign exchange Prepaid airtime daily limit R1 000
Send-iMali or MobiMoney daily limit R2 500

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank Pay-as-you-use Account
Everyday banking / Nedbank Pay-as-you-use
• MobiMoney
• Nedbank Pay-as-you-use Each month, you get: No monthly fee
• Ke Yona Bundle • free gold cheque card;
• Savvy Plus
• unlimited free card swipes;
• Savvy Bundle
• unlimited free internal debit orders and stop orders; and
Youth • unlimited free balance enquiries at self-service(2) channels.
• Nedbank 4me
• Unlocked.me Student Monthly maintenance fee R0.00
Account Transaction fees
Choose a cheaper channel, Online Banking /Money SMS Banking(4) ATM /Card Branch Teller
Seniors save on bank fees app. /Self-Service Kiosks (*120*001#)

• Optimum Deposits
Cash deposit - - R1,00 per R100 R30,00+ R2,00 per
R100
Credit cards Participating retailer's point-of- - - R6,00 + R2,00 per -
sale device(1) R100
Personal loans Cheque deposit - - - R65,00 per deposit
Cash withdrawals
Home loans Participating retailer’s point-of-sale - - R2,00 -
device(1)
Nedbank ATM - - R7,00 per R1000 -
Savings and investments
Nedbank branch - - - R75,00 + R2,00 per
• Investment fees R100
Cheque encashment - - - R75,00 + R2,00
• N-5000 per R100 +
cheque ervice fees
• Money Market
Investment Account Another bank’s ATM - - R10,00 + R2,00
per R100
International ATM(5) - - R50,00 + R2,00 per -
Foreign exchange R100

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank Pay-as-you-use Account
Everyday banking / Nedbank Pay-as-you-use
• MobiMoney Transaction fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(4) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Ke Yona Bundle Payments and transfers
• Savvy Plus Transfer between your own Nedbank Free  Free Free R80,00
accounts
• Savvy Bundle To a third party account R2,20 R2,20 - R125,00
Instant payment up to R2000 R10,00 - - -
Youth Instant-payment over R2000 R49,00 - - -
• Nedbank 4me Send-iMali(6):

• Unlocked.me Student - R1 to R1000 R10,00 R10,00 - -

Account - R1000 to R2500 R14,00 R14,00 - -


Debit order (internal) Free - - -
Seniors Debit order (external) R5,50 - - -
• Optimum Stop order Free - - -
Stop-payment instruction R5,00 - - R63,00

Credit cards Cheque service fee - - - R150,00


Bank-guaranteed cheque - - - R190,00
Bank’s own cheque - - - R190,00
Personal loans
Purchases & top-ups
Debit or cheque card swipe - - Free -
Home loans
Garage card transaction - - R4,30 -
Prepaid airtime top-up on R1,00 R1,00 R1,00 -
Savings and investments Nedbank channels
• Investment fees Prepaid electricity purchase R2,00 R2,00 -
LOTTO purchase R2,60 R2,60 - -
• N-5000
Notification fees
• Money Market eNote SMS notifications R0,45 per SMS - - -
Investment Account
Third-party payment notifications on Nedbank Online Banking/Nedbank Money app  
- SMS R1,15 - - -
Foreign exchange  - Email R1,00 - - -
 - Fax R10,00 - - -
No funds alert R13,00 per SMS - - -
Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank Pay-as-you-use Account
Everyday banking / Nedbank Pay-as-you-use
• MobiMoney
Transaction fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(4) ATM /Card Branch Teller
save on bank fees app./Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Balance enquiries
• Savvy Plus At Nedbank Free Free Free R8,00
• Savvy Bundle Another bank’s ATM - - R8,00 -
Transaction lists
Youth From last 10 transactions up to five years Free - R8,00 R30,00 per page
Bank-certified statements
• Nedbank 4me
E-mailed current month statement Free
• Unlocked.me Student
Current month (7) Free - One free per billing R30,00
Account cycle, thereafter
R10,00
Seniors Three months Free - R30,00 R30,00 per statement

• Optimum Posted - - - R30,00 per statement


Declined transaction fees due to insufficient funds

Credit cards Nedbank ATM - - Free -


Point-of-sale device - - R8,60 -
Another bank’s ATM - - R8,60 -
Personal loans
Dishonoured debit order per item R10,00 per item - - -

Home loans

Savings and investments


• Investment fees Honouring fee per item R90,00 - - - 
• N-5000 Disputed debit order fee 
Per disputed debit order R5,00 - - R5,00
• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank Pay-as-you-use Account
Everyday banking / Nedbank Pay-as-you-use
• MobiMoney
Other service charges
• Nedbank Pay-as-you-use Overdraft facility fee(8) R49,00 per month
• Ke Yona Bundle Cheque card: Nedbank Greenbacks linkage fee R23,00 per month
Visa/Mastercard debit card service fee Free
• Savvy Plus
Cheque card service fee Free
• Savvy Bundle Garage debit card service fee R185,00 per annum
Card replacement fee R140,00
Youth Request for copy of card transaction voucher
• Nedbank 4me - Local R150,00 per voucher

• Unlocked.me Student - International R150,00 per voucher

Account Post-dated cheque R150,00


Special clearance of a cheque deposited in a branch R130,00
Seniors Chequebook (40 cheques) R110,00

• Optimum
Notes:
Credit cards 1. This fee applies at all stores where the cash-at-tillpoint service is offered.
2. Self-service channels includes SMS Banking, Online Banking the Nedbank Money app. and in-
Personal loans branch self-service kiosks.

Home loans 3. An additional monthly fee of R48,00 is applicable to non-resident clients.


4. Exclusive of rates charged by network providers.
Savings and investments 5. An international currency conversion fee of 2% (based on the rand value of the transaction)
• Investment fees applies to ALL transactions performed outside South Africa. For example, if you swipe your
card overseas for the rand equivalent of R500, the fee will be R10,00.
• N-5000
6. Send money quickly and securely to any South African cellphone.
• Money Market
Investment Account 7. A billing cycle runs from the third-last business day of the month to the fourth-last business
day of the following month. Your transaction list will reflect the fees for all transactions that
Foreign exchange you performed in the previous billing cycle. In other words, you are billed one month in arrear.
8. Facility fees, while prescribed by the National Credit Act, may differ for internal
banking segments.
Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Ke Yona Bundle Account
Everyday banking / Ke Yona Bundle Account
• MobiMoney
• Nedbank Pay-as-you-use
Each month, you get:
R62,00
• Ke Yona Bundle per month
• Savvy Plus • unlimited free card swipes;
• Savvy Bundle • Unlimited free eNote SMS notifications;

Youth • unlimited free internal debit orders and stop orders;


• Nedbank 4me • unlimited free cash withdrawals at participating retailer point-of-sale devices(1);
• Unlocked.me Student • the first 10 Nedbank transactions are included in the monthly fee: these include Nedbank ATM
Account withdrawals (limited to 4), external debit orders, electronic payments, balance enquiries,
cheque deposits and bank’s own cheques;
Seniors • cash deposits of up to R3 000 a month at Nedbank ATMs are included, thereafter a fee will
• Optimum apply; and
• R2 000 funeral cover.
Credit cards

Personal loans
Monthly maintenance fee R62,00
Home loans Out-of-bundle pay-as-you-use fees
Choose a cheaper channel, Online Banking /Money SMS Banking(4) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
Savings and investments
Deposits
• Investment fees R1,00 per R100 R75,00 + R2,00 per
Cash deposit - -
R100
• N-5000
Participating retailer’s point-of-sale - - R6,00 + R2,00 per -
• Money Market device(1) R100
Investment Account Cheque deposit - - - R65,00 per deposit

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Ke Yona Bundle Account
Everyday banking / Ke Yona Bundle Account
• MobiMoney
Out-of-bundle pay-as-you-use fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(4) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Cash withdrawals
• Savvy Plus
Participating retailer's point-of- - - Free -
• Savvy Bundle sale device(1)
Nedbank ATM - - R2,00 per R100 -

Youth Nedbank branch - - - R75,00 + R2,00 per


R100
• Nedbank 4me Another bank’s ATM - - R10,00 + R2,00 -
per R100
• Unlocked.me Student
International ATM(5) - - R50,00 + R2,00 per -
Account R100
Payments and transfers
Seniors
Transfer between your own Nedbank Free Free Free R80,00
• Optimum accounts
To a third-party account R8,35 Free - R125,00
Credit cards Instant payment up to R2000 R10,00 - - -
Instant-payment over R2000 R49,00 - - -

Personal loans Send-iMali(6):


- R1 to R1000 R10,00 R10,00 - -

Home loans - R1000 to R2500 R14,00 R14,00 - -


Debit order (internal) Free - - -
Debit order (external) R13,00 - - -
Savings and investments
Stop order Free - - -
• Investment fees Stop-payment instruction R5,00 - - R63,00
• N-5000 Bank’s own cheque - - - R190,00

• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Ke Yona Bundle Account
Everyday banking / Ke Yona Bundle Account
• MobiMoney
Out-of-bundle pay-as-you-use fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(4) ATM /Card Branch Teller
save on bank fees app./Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Purchases & top-ups
• Savvy Plus
Debit or cheque card swipe - - Free -
• Savvy Bundle Garage card transaction - - R4,30 -
Prepaid airtime top-up on Nedbank R1,00 R1,00 R1,00 -
Youth channels
Prepaid electricity purchase R2,00 R2,00 - -
• Nedbank 4me
LOTTO purchase R2,60 R2,60 - -
• Unlocked.me Student Notification fees
Account eNote SMS notifications Free - - -
Third-party payment notifications on Nedbank Online Banking/Nedbank Money app
Seniors
- SMS R1,15 - - -
• Optimum  - Email R1,00 - - -
 - Fax R10,00 - - -
Credit cards No funds alert R13,00 per SMS - - -
Balance enquiries
Personal loans At Nedbank Free Free Free R8,00
Another bank’s ATM - - R8,00 -
Home loans Transaction lists
From last 10 transactions up to five years Free - R8,00 R30,00 per page
Savings and investments Bank-certified statements
E-mailed current month statement Free - - -
• Investment fees
Current month(7) Free - One free per billing R30,00 per statement
• N-5000 cycle, thereafter
R10,00
• Money Market Three months - - R30,00 -
Investment Account
Posted - - - R30,00 per statement

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Ke Yona Bundle Account
Everyday banking / Ke Yona Bundle Account
• MobiMoney
Out-of-bundle pay-as-you-use fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(4) ATM /Card Branch Teller
save on bank fees app/. /Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Declined transaction fees due to insufficient funds
• Savvy Plus
Nedbank ATM - - Free -
• Savvy Bundle Point-of-sale device - - R8,60 -
Another bank’s ATM - - R8,60 -
Youth Dishonoured debit order R28,00 per item - - -
• Nedbank 4me
• Unlocked.me Student
Account

Seniors Disputed debit order fee 


Per disputed debit order R5,00 - - R5,00
• Optimum

Credit cards Other service fees


Visa/Mastercard debit card service fee Free

Personal loans Card replacement fee R140,00


Request for copy of transaction voucher: 

Home loans - Local R150,00 per voucher


- International R150,00 per voucher

Savings and investments Post-dated cheque R150,00


Special clearance of a cheque deposited in a branch R130,00
• Investment fees
• N-5000
• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Ke Yona Bundle Account
Everyday banking / Ke Yona Bundle Account
• MobiMoney
• Nedbank Pay-as-you-use Notes:
• Ke Yona Bundle
• Savvy Plus 1. This fee applies at all stores where the cash-at-tillpoint service is offered.

• Savvy Bundle 2. Self-service channels includes SMS Banking, Online Banking the Nedbank Money app.
and in-branch self-service kiosks.
Youth 3. An additional monthly fee of R48,00 is applicable to non-resident clients.
• Nedbank 4me 4. Exclusive of rates charged by network providers.
• Unlocked.me Student 5. An international currency conversion fee of 2% (based on the rand value of the
Account transaction) applies to ALL transactions performed outside South Africa. For example, if
you swipe your card overseas for the rand equivalent of R500, the fee will be R10,00.
Seniors
6. Send money quickly and securely to any South African cellphone.
• Optimum
7. A billing cycle runs from the third-last business day of the month to the fourth-last business
day of the following month. Your transaction list will reflect the fees for all transactions that
Credit cards you performed in the previous billing cycle. In other words, you are billed one month in
arrear.
Personal loans

Home loans

Savings and investments


• Investment fees
• N-5000
• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Savvy Plus Account
Everyday banking / Savvy Plus Account
• MobiMoney
• Nedbank Pay-as-you-use
Each month, you get:
R115,00
• Ke Yona Bundle per month
• Savvy Plus • A Nedbank Gold Cheque card;
• Savvy Bundle • unlimited free card swipes;

Youth • unlimited free eNote SMS notifications;


• Nedbank 4me • unlimited free cash withdrawals at participating retailer point-of-sale devices(1);
• Unlocked.me Student • Four Nedbank ATM withdrawals;
Account
• unlimited free cash deposits at Nedbank ATMs; and
Seniors • unlimited free debit and stop orders and interaccount transfers.
• Optimum

Credit cards Monthly maintenance fee R115,00


Out-of-bundle pay-as-you-use fees

Personal loans Choose a cheaper channel, Online Banking /Money SMS Banking(4) ATM /Card BranchTeller
save on bank fees app. / Self-service Kiosks (*120*001#)
Deposits
Home loans
Cash deposit - - Free R75,00 + R2,00 per
R100
Savings and investments Participating retailer's point-of- - - R6,00 + R2,00 per -
sale device(1) R100
• Investment fees
Cheque deposit - - - R65,00 per deposit
• N-5000
• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Savvy Plus Account
Everyday banking / Savvy Plus Account
• MobiMoney
Out-of-bundle pay-as-you-use fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(4) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Cash withdrawals
• Savvy Plus
Participating retailer point-of-sale - - Free -
• Savvy Bundle devices(1)
Nedbank ATM - - R2,00 per R100 -

Youth Nedbank branch - - - R75,00 + R2,00 per


R100
• Nedbank 4me Cheque encashment - - - R75,00 + R2,00 per
R100 in addition to
• Unlocked.me Student cheque service fees
Account Another bank’s ATM - - R10,00 + R2,00 per -
R100
Seniors International ATM(5) - - R50,00 + R2,00 per -
R100
• Optimum
Payments and transfers
Transfer between your own Nedbank Free  Free Free R80,00
Credit cards accounts
To a third-party account Free Free - R125,00
Personal loans Instant payment up to R2000 R10,00 - - -
Instant payment over R2000 R49,00 - - -
Home loans Send-iMali(6)
- R1 to R1 000 R10,00 R10,00 - -
Savings and investments - R1 001 to R2 500 R14,00 R14,00 - -
Debit order (internal) Free - - -
• Investment fees
Debit order (external) Free - - -
• N-5000 Stop order Free - - -
• Money Market Stop-payment instruction R5,00 - - R63,00
Investment Account Cheque service fee - - - R150,00
Bank-guaranteed cheque - - - R190,00
Foreign exchange Bank’s own cheque - - - R190,00

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Savvy Plus Account
Everyday banking / Savvy Plus Account
• MobiMoney
Out-of-bundle pay-as-you-use fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(4) ATM /Card Branch Teller
save on bank fees app./Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Purchases and topups
• Savvy Plus
Debit or cheque card swipe - - Free -
• Savvy Bundle Garage card transaction - - R4,30 -
Prepaid airtime top-up on R1,00 R1,00 R1,00 -
Youth Nedbank channels
Prepaid electricity purchase R2,00 R2,00 - -
• Nedbank 4me
LOTTO purchase R2,60 R2,60 - -
• Unlocked.me Student Notification fees
Account eNote SMS notifications Free - - -
Third-party payment notifications on Nedbank Online Banking/Nedbank Money app 
Seniors
- SMS R1,15 - - -
• Optimum - Email R1,00 - - -
-  Fax R10,00 - - -
Credit cards No-funds alert R13,00 per SMS - - -
Balance enquiries
Personal loans At Nedbank Free Free Free R8,00
Another bank’s ATM - - R8,00 -
Home loans Transaction lists
From last ten transactions up to five years Free - R8,00 R30,00 per page
Savings and investments Bank-certified Statements
E-mailed current statement Free - - -
• Investment fees
Current month(7) Free - One free per billing R30,00 per statement
• N-5000 cycle, thereafter
R10,00
• Money Market Three months - - R30,00 -
Investment Account
Posted - - - R30,00 per statement

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Savvy Plus Account
Everyday banking / Savvy Plus Account
• MobiMoney
Out-of-bundle pay-as-you-use fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(4) ATM /Card BranchTeller
save on bank fees app./Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Declined transaction fees due to insufficient funds
• Savvy Plus
Nedbank ATM - - Free -
• Savvy Bundle Point-of-sale device - - R8,60 -
Another bank’s ATM - - R8,60 -
Youth Dishonoured debit order R60,00 per item - - -
• Nedbank 4me
• Unlocked.me Student
Account
Honouring fee per item R90,00 - - - 
Seniors Disputed debit order fee 
• Optimum Per disputed debit order R5,00 - - R5,00

Credit cards Other service fees


Overdraft facility fee(8) R49,00 per month
Personal loans Cheque card: Nedbank Greenbacks linkage fee R23,00 per month
Visa/Mastercard debit card service fee Free
Home loans Cheque card service fee Free
Garage debit card service fee R185,00 per annum
Savings and investments Card replacement fee R140,00

• Investment fees Request for copy of transaction voucher:


- Local R150,00 per voucher
• N-5000 - International R150,00 per voucher
• Money Market Post-dated cheque R150,00
Investment Account Special clearance of a cheque deposited in a branch R130,00
Chequebook (40 cheques) R110,00
Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Savvy Plus Account
Everyday banking / Savvy Plus Account
• MobiMoney
• Nedbank Pay-as-you-use Notes:
• Ke Yona Bundle
• Savvy Plus 1. This fee applies at all stores where the cash-at-tillpoint service is offered.

• Savvy Bundle 2. Self-service channels includes SMS Banking, Online Banking the Nedbank Money app. and in-
branch self-service kiosks.
Youth 3. An additional monthly fee of R48,00 is applicable to non-resident clients.
• Nedbank 4me 4. Exclusive of rates charged by network providers.
• Unlocked.me Student 5. An international currency conversion fee of 2% (based on the rand value of the
Account transaction) applies to ALL transactions performed outside South Africa. For example,
if you swipe your card overseas for the rand equivalent of R500, the fee will be R10,00.
Seniors
6. Send money quickly and securely to any South African cellphone.
• Optimum
7. A billing cycle runs from the third-last business day of the month to the fourth-last
business day of the following month. Your transaction list will reflect the fees for all
Credit cards transactions that you performed in the previous billing cycle. In other words, you are
billed one month in arrear.
Personal loans
8. Facility fees, while prescribed by the National Credit Act, may differ for internal
banking segments.
Home loans

Savings and investments


• Investment fees
• N-5000
• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Savvy Bundle Account
Everyday banking / Savvy Bundle Account
• MobiMoney
• Nedbank Pay-as-you-use
Each month, you get:
R210,00
• Ke Yona Bundle per month
• Savvy Plus • Nedbank Platinum Credit Card monthly service fee included;
• Savvy Bundle • overdraft monthly facility fee(1) included;

Youth • Nedbank Greenbacks Rewards membership included;


• Nedbank 4me • domestic airport lounge access;
• Unlocked.me Student • unlimited free card swipes;
Account
• unlimited free cash withdrawals at participating retailer point-of-sale devices and Nedbank
Seniors ATMs;
• Optimum • unlimited free cash deposits at Nedbank ATMs;
• unlimited free debit and stop orders and interaccount transfers; and
Credit cards
• unlimited free eNote SMS notifications.
Personal loans
Monthly maintenance fee R210,00
Home loans Out-of-bundle pay-as-you-use fees
Choose a cheaper channel, Online Banking /Money SMS Banking(5) ATM /Card BranchTeller
save on bank fees app. /Self-service Kiosks (*120*001#)
Savings and investments
Deposits
• Investment fees Cash deposit - - Free R75,00 + R2,00 per
R100
• N-5000
Participating retailer's point-of- - - R6,00 + R2,00 per -
• Money Market sale device(2) R100
Investment Account Cheque deposit - - - R65,00 per deposit

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Savvy Bundle Account
Everyday banking / Savvy Bundle Account
• MobiMoney
Out-of-bundle pay-as-you-use fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(5) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Cash withdrawals
• Savvy Plus
Participating retailer point-of-sale - - Free -
• Savvy Bundle devices(2)
Nedbank ATM - - Free -

Youth Nedbank branch - - - R75,00 + R2,00 per


R100
• Nedbank 4me Cheque encashment - - - R75,00 + R2,00 per
R100 in addition to
• Unlocked.me Student cheque service fees
Account Another bank’s ATM - - R10,00 + R2,00 -
per R100
Seniors International ATM(6) - - R50,00 + R2,00 per -
R100
• Optimum
Payments and transfers
Transfer between your own Nedbank Free  Free Free R85,00
Credit cards accounts
To a third-party account Free Free - -
Personal loans Instant payment up to R2000 R10,00 - - -
Instant payment over R2000 R49,00 - - -
Home loans Send-iMali(7):
- R1 to R1000 R10,00 R10,00 - -
Savings and investments - R1000 to R2500 R14,00 R14,00 - -
Debit order (internal) Free - - -
• Investment fees
Debit order (external) Free - - -
• N-5000 Stop order Free - - -
• Money Market Stop-payment instruction R5,00 - - R63,00
Investment Account Cheque service fee - - - R150,00
Bank-guaranteed cheque - - - R190,00
Foreign exchange Bank’s own cheque - - - R190,00

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Savvy Bundle Account
Everyday banking / Savvy Bundle Account
• MobiMoney
Out-of-bundle pay-as-you-use fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(5) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Purchases & top-ups
• Savvy Plus
Debit or cheque card swipe - - Free -
• Savvy Bundle Garage card transaction - - Free -
Prepaid airtime top-up on R1,00 R1,00 R1,00 -
Youth Nedbank channels
Prepaid electricity purchase R2,00 R2,00 - -
• Nedbank 4me
LOTTO purchase R2,60 R2,60 - -
• Unlocked.me Student Notification fees
Account eNote SMS notifications Free - - -
Third-party payment notifications on Nedbank Online Banking/Nedbank Money app
Seniors
- SMS Free - - -
• Optimum  - Email Free - - -
 - Fax Free - - -
Credit cards No funds alert Free - - -
Balance enquiries
Personal loans At Nedbank Free Free Free R8,00
Another bank’s ATM - - R8,00 -
Home loans Transaction lists
From last ten transactions up to five years Free - R8,00 R30,00 per page
Savings and investments Bank-certified Statements

• Investment fees E-mailed current statement Free - - -


Current month(8) Free - One free per billing R30,00 per statement
• N-5000 cycle, thereafter
R10,00
• Money Market Three months - - R30,00 -
Investment Account
Posted - - - R30,00 per statement

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Savvy Bundle Account
Everyday banking / Savvy Bundle Account
• MobiMoney
Out-of-bundle pay-as-you-use fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(5) ATM /Card Branch Teller
save on bank fees app./Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Declined transaction fees due to
• Savvy Plus insufficient funds
• Savvy Bundle Nedbank ATM - - Free -
Point-of-sale device - - R8,60 -
Youth Another bank’s ATM - - R8,60 -
Dishonoured debit order R60,00 per item - - -
• Nedbank 4me
• Unlocked.me Student
Account
Disputed debit order fee 
Seniors Per disputed debit order R5,00 - - R5,00
• Optimum
Other service fees
Credit cards Cheque card: Nedbank Greenbacks linkage fee Free
Visa/Mastercard debit card service fee Free
Personal loans Cheque card service fee Free
Garage debit card service fee Free
Home loans Card replacement fee R140,00
Request for copy of transaction voucher: 
Savings and investments - Local R150,00 per voucher

• Investment fees - International R150,00 per voucher


Post-dated cheque R150,00
• N-5000 Special clearance of a cheque deposited in a branch R130,00
• Money Market Chequebook (40 cheques) R110,00
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Savvy Bundle Account
Everyday banking / Savvy Bundle Account
• MobiMoney
• Nedbank Pay-as-you-use Notes:
• Ke Yona Bundle
• Savvy Plus 1. Facility fees, while prescribed by the National Credit Act, may differ for internal
banking segments.
• Savvy Bundle
2. This fee applies at all stores where the cash-at-tillpoint service is offered.
Youth 3. Self-service channels includes SMS Banking, Online Banking the Nedbank Money app. and in-
branch self-service kiosks.
• Nedbank 4me
4. An additional monthly fee of R48,00 is applicable to non-resident clients.
• Unlocked.me Student
Account 5. Exclusive of rates charged by network providers.

Seniors 6. An international currency conversion fee of 2% (based on the rand value of the
transaction) applies to ALL transactions performed outside South Africa. For example,
• Optimum if you swipe your card overseas for the rand equivalent of R500, the fee will be R10,00.
7. Send money quickly and securely to any South African cellphone.
Credit cards
8. A billing cycle runs from the third-last business day of the month to the fourth-last
Personal loans business day of the following month. Your transaction list will reflect the fees for all
transactions that you performed in the previous billing cycle. In other words, you are
billed one month in arrear.
Home loans

Savings and investments


• Investment fees
• N-5000
• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank 4me Account
Youth / Nedbank 4me Account
• MobiMoney
• Nedbank Pay-as-you-use
• Ke Yona Bundle
Each month, you get: No monthly fee
• Savvy Plus • unlimited free card swipes;
• Savvy Bundle • unlimited free internal debit and stop orders;

Youth • unlimited free cash withdrawals at participating retailer point-of-sale devices(1);


• Nedbank 4me • unlimited free eNote SMS notifications;
• Unlocked.me Student • unlimited free interaccount transfers and balance enquiries at self-service(2)
Account channels;

Seniors • four free Nedbank ATM cash withdrawals; and


• Optimum • cash deposits of up to R1 000 free at Nedbank ATMs.

Credit cards
Monthly maintenance fee R0,00
Transaction fees
Personal loans
Choose a cheaper channel, Online Banking /Money SMS Banking(3) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
Home loans Deposits
Cash deposit - - R1,00 per R100 R7500 + R2,00 per
Savings and investments R100
Participating retailer point-of-sale - - R6,00 + R2,00 per -
• Investment fees devices(1) R100
• N-5000 Cheque deposit - - - R65,00 per deposit

• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank 4me Account
Youth / Nedbank 4me Account
• MobiMoney
Transaction fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(3) ATM /Card Branch Teller
save on bank fees app./Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Cash withdrawals
• Savvy Plus
Participating retailer point-of- - - Free -
• Savvy Bundle sale device(1)
Nedbank ATM - - R2,00 per R100 -
Youth Nedbank branch - - - R75,00 + R2,00 per
R100
• Nedbank 4me Another bank’s ATM - - R10,00 + R2,00 -
per R100
• Unlocked.me Student
International ATM(4) - - R50,00 + R2,00 per -
Account R100
Payments and transfers
Seniors
Transfer between your own Nedbank Free  Free Free R85,00
• Optimum accounts
To a third-party account R8,35 Free - R125,00
Credit cards Instant payment up to R2000 R10,00 - - -
Instant payment over R2000 R49,00 - - -

Personal loans Send-iMali(5)


- R1 to R1 000 R10,00 R10,00 - -

Home loans - R1 001 to R2 500 R14,00 R14,00 - -


Debit order (internal) Free - - -
Debit order (external) R15,00 - - -
Savings and investments
Stop order Free - - -
• Investment fees Stop-payment instruction - - - R63,00
• N-5000 Bank’s own cheque - - - R150,00

• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank 4me Account
Youth / Nedbank 4me Account
• MobiMoney
Transaction fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(3) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Purchases and topups
• Savvy Plus
Debit card swipe - - Free -
• Savvy Bundle Prepaid airtime topup on R1,00 R1,00 R1,00 -
Nedbank channels
Youth Prepaid electricity purchase R2,00 R2,00 - -
LOTTO purchase R2,60 R2,60 - -
• Nedbank 4me
Notification fees
• Unlocked.me Student eNote SMS notifications Free - - -
Account Third-party payment notifications on Nedbank Online Banking/Nedbank Money app 
- SMS R1,15 - - -
Seniors
- Email R1,00 - - -
• Optimum -  Fax R10,00 - - -
No-funds alert R13,00 per SMS - - -
Credit cards Balance enquiries
At Nedbank Free Free Free R800
Personal loans Another bank’s ATM - - R8,00 -
Transaction lists
Home loans From last 10 transactions up to five years Free - R8,00 R30,00 per page
Bank-certified Statements
Savings and investments E-mailed current statement Free - - -

• Investment fees Current month (6) Free - One free per billing R30,00 per statement
cycle, thereafter
R10,00
• N-5000
Three months - - R30,00 -
• Money Market
Posted - - - R30,00 per statement
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank 4me Account
Youth / Nedbank 4me Account
• MobiMoney
Transaction fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(3) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Declined transaction fees due to
• Savvy Plus insufficient funds
• Savvy Bundle Nedbank ATM - - Free -
Point-of-sale device - - R8,60 -
Youth Another bank’s ATM - - R8,60 -
Dishonoured debit order R60,00 per item - - -
• Nedbank 4me
• Unlocked.me Student
Account
Disputed debit order fee
Seniors Per disputed debit order R5,00 - - R5,00
• Optimum
Other service fees
Credit cards Visa/Mastercard debit card service fee Free
Card replacement fee R140,00
Personal loans Request for copy of transaction voucher:
- Local R150,00 per voucher
Home loans - International R150,00 per voucher
Post-dated cheque
Savings and investments R150,00
Special clearance of a cheque deposited in a branch
• Investment fees R130,00

• N-5000
• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank 4me Account
Youth / Nedbank 4me Account
• MobiMoney
• Nedbank Pay-as-you-use Notes:
• Ke Yona Bundle
• Savvy Plus 1. This fee applies at all stores where the cash-at-tillpoint service is offered.

• Savvy Bundle 2. Self-service channels includes SMS Banking, Online Banking the Nedbank Money app. and in-
branch self-service kiosks.
Youth 3. Exclusive of rates charged by network providers.
• Nedbank 4me 4. An international currency conversion fee of 2% (based on the rand value of the
• Unlocked.me Student transaction) applies to ALL transactions performed outside South Africa. For example,
if you swipe your card overseas for the rand equivalent of R500, the fee will be R10,00.
Account
5. Send money quickly and securely to any South African cellphone.
Seniors
6. A billing cycle runs from the third-last business day of the month to the fourth-last
• Optimum business day of the following month. Your transaction list will reflect the fees for all
transactions that you performed in the previous billing cycle. In other words, you are
Credit cards billed one month in arrear.

Personal loans

Home loans

Savings and investments


• Investment fees
• N-5000
• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Unlocked.me Account
Youth / Unlocked.me Account
• MobiMoney
• Nedbank Pay-as-you-use
Each month, you get: No monthly fee
• Ke Yona Bundle
• Savvy Plus • Unlimited free card swipes;
• Savvy Bundle • cash deposits of up to R3 000 free a month at Nedbank ATM.s;

Youth • unlimited free internal debit and stop orders;


• Nedbank 4me • One free external debit order; and
• Unlocked.me Student • unlimited free interaccount transfers.
Account

Seniors Monthly maintenance fee R0.00


• Optimum Transaction fees
Choose a cheaper channel, Online Banking /Money SMS Banking(3) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
Credit cards
Deposits

Personal loans Cash deposit - - R1,00 per R100 R30,00 + R2,00


per R100
Participating retailer’s point-of-sale - - R6,00 + R2,00 per -
Home loans device(4) R100
Cheque deposit - - - R65,00 per deposit
Savings and investments Cash withdrawals
Participating retailer’s point-of-sale - - R2,00 -
• Investment fees device(4)
• N-5000 Nedbank ATM - - R7,00 per R1000 -
Nedbank branch - - - R75,00 + R2,00 per
• Money Market R100
Investment Account
Another bank’s ATM - - R10,00 + R2,00 -
per R100
Foreign exchange International ATM(5) - - R50,00 + R2,00 per -
R100

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Unlocked.me Account
Youth / Unlocked.me Account
• MobiMoney
Transaction fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(3) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Payments and transfers
• Savvy Plus
Transfer between your own Nedbank Free Free Free R85,00
• Savvy Bundle accounts
To a third-party account R2,20 Free - R125,00
Youth Instant payment up to R2000 R10,00 - - -
Instant-payment over R2000 R49,00 - - -
• Nedbank 4me
Send-iMali(6):
• Unlocked.me Student - R1 to R1 000 R10,00 R10,00 - -
Account - R1 000 to R2 500 R14,00 R14,00 - -
Debit order (internal) Free - - -
Seniors
Debit order (external) R5,50 - - -
• Optimum Stop order Free - - -
Stop-payment instruction - - - R63,00
Credit cards Bank-guaranteed cheque - - - R190,00
Bank’s own cheque - - - R190,00
Personal loans Purchases & top-ups
Debit or cheque card swipe - - Free -
Home loans Garage card transaction - - R4,30 -
Prepaid airtime top-up on R1,00 R1,00 R1,00 -
Savings and investments Nedbank channels
Prepaid electricity purchase R2,00 R2,00 - -
• Investment fees
LOTTO purchase R2,60 R2,60 - -
• N-5000 Notification fees

• Money Market eNote SMS notifications R0,45 per SMS - - -


Investment Account Third-party payment notifications on Nedbank Online Banking/Nedbank Money app 
 - SMS R1,15 - - -
Foreign exchange  - Email R1,00 - - -
 - Fax R10,00 - - -
No funds alert R13,00 per SMS - - -

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Unlocked.me Account
Youth / Unlocked.me Account
• MobiMoney
Transaction fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(3) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Balance enquiries
• Savvy Plus
At Nedbank Free Free Free R7,00
• Savvy Bundle Another bank’s ATM - - R8,00 -
Transaction lists
Youth From last ten transactions up to five years Free - R8,00 R30,00 per page
• Nedbank 4me Bank-certified statements
E-mailed current statement Free - - -
• Unlocked.me Student
Current month 7) Free - One free per billing R30,00
Account cycle, thereafter
R10,00
Seniors Three months - - R30,00 -
• Optimum Posted - - - R30,00
Declined transaction fees due to insufficient funds
Credit cards Nedbank ATM - - Free -
Point-of-sale device - - R8,60 -
Personal loans Another bank’s ATM - - R8,60 -
Dishonoured debit order R10,00 per item - - -

Home loans

Savings and investments


• Investment fees Disputed debit order fee 
• N-5000 Per disputed debit order R5,00 - - R5,00

• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Unlocked.me Account
Youth / Unlocked.me Account
• MobiMoney
Other service charges
• Nedbank Pay-as-you-use Visa/Mastercard debit card service fee Free
• Ke Yona Bundle Card replacement fee R140,00
Request for copy of transaction voucher: 
• Savvy Plus
- Local R150,00 per voucher
• Savvy Bundle - International R150,00 per voucher
Post-dated cheque R150,00
Youth Special clearance of a cheque deposited in a branch R130,00
• Nedbank 4me
• Unlocked.me Student
Account

Seniors Notes:
• Optimum
1. Self-service channels includes SMS Banking, Online Banking the Nedbank Money app. and in-
branch self-service kiosks.
Credit cards
2. An additional monthly fee of R48,00 is applicable to non-resident clients.
Personal loans 3. Exclusive of rates charged by network providers.

Home loans 4. This fee applies at all stores where the cash-at-tillpoint service is offered.
5. An international currency conversion fee of 2% (based on the rand value of the transaction)
Savings and investments applies to ALL transactions performed outside South Africa. For example, if you swipe your
card overseas for the rand equivalent of R500, the fee will be R10,00.
• Investment fees
6. Send money quickly and securely to any South African cellphone.
• N-5000
7. A billing cycle runs from the third-last business day of the month to the fourth-last business day
• Money Market
Investment Account of the following month. Your transaction list will reflect the fees for all transactions that you
performed in the previous billing cycle. In other words, you are billed one month in arrear.

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank Optimum Account
Seniors / Nedbank Optimum Account
• MobiMoney
• Nedbank Pay-as-you-use
By maintaining a minimum balance of R10 000 in any Nedbank R26,00
• Ke Yona Bundle fixed deposit, notice deposit or JustSave Account each month, per month
• Savvy Plus you get:
• Savvy Bundle • no monthly fee;
• unlimited free card swipes;
Youth
• Nedbank 4me • unlimited free eNote SMS notifications;

• Unlocked.me Student • free cash withdrawals at participating retailer point-of-sale devices(1);


Account • Four Nedbank ATM cash withdrawals free;
Seniors • two branch cash withdrawals (including cheque encashments) free;
• Optimum • free account payments (including debit and stop orders), interaccount transfers and
balance enquiries at self-service(2) channels
Credit cards • cash deposits of up to R5 000 a month free at a Nedbank ATMs;

Personal loans • free cheque deposits and cheque service fees;


• 50% off branch cash deposit fees.
Home loans

Savings and investments Monthly maintenance fee R26,00


• Investment fees Transaction fees

• N-5000 Choose a cheaper channel, Online Banking /Money SMS Banking(4) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Money Market Deposits
Investment Account
Cash deposit - - R1,00 per R100 R75,00 plus
R2,00 per R100
Foreign exchange Participating retailer’s point-of-sale - - R6,00 plus R2,00 -
device(1) per R100
Cheque deposit - - - R65,00 per deposits

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank Optimum Account
Seniors / Nedbank Optimum Account
• MobiMoney
Transaction fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(4) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Cash withdrawals
• Savvy Plus
Participating retailer’s point-of-sale - - R4,30 -
• Savvy Bundle device(1)
Nedbank ATM - - R2,00 per R100 -

Youth Nedbank branch - - - R75,00 plus R2,00


per R100
• Nedbank 4me Cheque encashment - - - R75,00 plus R2,00
per R100 in
• Unlocked.me Student addition to cheque
Account service fees
Another bank’s ATM - - R10,00 plus -
Seniors R2,00 per R100
International ATM(5) - - R50,00 plus R2,00 -
• Optimum per R100
Payments and transfers
Credit cards Transfer between your own Nedbank R4,30  Free Free R85,00
accounts

Personal loans To a third-party bank account R8,35 Free - R125,00


Instant payment up to R2000 R10,00 - - -
Instant payment over R2000 R49,00 - - -
Home loans
Send-iMali(6):
- R1 to R1000 R10,00 R10,00 - -
Savings and investments
- R1000 to R2500 R14,00 R14,00 - -
• Investment fees Debit order (internal) R5,00 - - -
• N-5000 Debit order (external) R19,00 - - -
Stop order R19,00 - - -
• Money Market
Investment Account Stop-payment instruction R5,00 - - R63,00
Cheque service fee - - - R150,00
Foreign exchange Bank-guaranteed cheque - - - R190,00
Bank’s own cheque - - - R190,00

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank Optimum Account
Seniors / Nedbank Optimum Account
• MobiMoney
Transaction fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(4) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Purchases & top-ups
• Savvy Plus
Debit or cheque card swipe  - -  R4,30 - 
• Savvy Bundle Garage card transaction  - -  R4,30 - 
Prepaid airtime top-up on R1,00 R1,00 R1,00 -
Youth Nedbank channels
Prepaid electricity purchase R2,00 R2,00 - -
• Nedbank 4me
LOTTO purchase R2,60 R2,60 - -
• Unlocked.me Student Notification fees
Account eNote SMS notifications Free - - -
Third-party payment notifications on Nedbank Online Banking/Nedbank Money app 
Seniors
- SMS R1,15 - - -
• Optimum  - Email R1,00 - - -
 - Fax R10,00 - - -
Credit cards No funds alert R13,00 per SMS - - -
Balance enquiries
Personal loans At Nedbank Free Free Free R8,00
Another bank’s ATM - - R8,00 -
Home loans Transaction lists
From last 10 transactions up to five years Free - R8,00 R30,00 per page
Savings and investments Bank-certified statements
E-mailed current statement Free - - -
• Investment fees
Current month (7) - - One free per billing -
• N-5000 cycle, thereafter
R10,00
• Money Market Three months - - R30,00 -
Investment Account
Posted(7) - - - R30,00

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank Optimum Account
Seniors / Nedbank Optimum Account
• MobiMoney
Transaction fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(4) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Declined transaction fees due to
• Savvy Plus insufficient funds
• Savvy Bundle Nedbank ATM - - Free -
Point-of-sale device - - R8,60 -
Youth Another bank’s ATM - - R8,60 -
Dishonoured debit order R60,00 per item - - -
• Nedbank 4me
• Unlocked.me Student
Account
Honouring fee per item R90,00 - - - 
Seniors Disputed debit order fee 
• Optimum Per disputed debit order R5,00 - - R5,00

Credit cards Other service charges


Overdraft facility fee(8) R49,00 per month
Personal loans Cheque card: Nedbank Greenbacks linkage fee R23,00 per month
Visa/Mastercard debit card service fee Free
Home loans Cheque card service fee R185,00 per annum
Garage debit card R185,00 per annum
Savings and investments Card replacement fee R140,00

• Investment fees Request for copy of transaction voucher:


- Local R150,00 per voucher
• N-5000
- International R150,00 per voucher
• Money Market Post-dated cheque R150,00
Investment Account Special clearance of a cheque deposited in a branch R130,00
Chequebook (40 cheques) R110,00
Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank Optimum Account
Seniors / Nedbank Optimum Account
• MobiMoney
• Nedbank Pay-as-you-use Notes:
• Ke Yona Bundle
• Savvy Plus 1. This fee applies at all stores where the cash-at-tillpoint service is offered.

• Savvy Bundle 2. Self-service channels includes SMS Banking, Online Banking the Nedbank Money app. and in-
branch self-service kiosks.
Youth 3. An additional monthly fee of R48,00 is applicable to non-resident clients.
• Nedbank 4me 4. Exclusive of rates charged by network providers.
• Unlocked.me Student 5. An international currency conversion fee of 2% (based on the rand value of the
Account transaction) applies to ALL transactions performed outside South Africa. For example, if
you swipe your card overseas for the rand equivalent of R500, the fee will be R10,00.
Seniors
6. Send money quickly and securely to any South African cellphone.
• Optimum
7. A billing cycle runs from the third-last business day of the month to the fourth-last
business day of the following month. Your transaction list will reflect the fees for all
Credit cards transactions that you performed in the previous billing cycle. In other words, you are billed
one month in arrear.
Personal loans
8. Facility fees, while prescribed by the National Credit Act, may differ for internal
banking segments.
Home loans

Savings and investments


• Investment fees
• N-5000
• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank Credit cards
• MobiMoney
Monthly fees Maintenance fee Credit facility Additional card fee Rewards linkage fee
• Nedbank Pay-as-you-use service fee(1) from
NEDBANK CREDIT CARDS
• Ke Yona Bundle
Nedbank Classic R30,00 R17,50 R30,00 R23,00
• Savvy Plus Nedbank Gold R32,00 R20,00 R20.00 R23,00
• Savvy Bundle Nedbank Platinum R57,00 R26,00 R20,00 R23,00
Nedbank Mastercard Gold* R32,00 R20,00 R20,00 Not applicable
Youth Dezign* R14,00 R17,50 Not applicable Not applicable
Ke Yona* R57,00 R17,50 Not applicable Not applicable
• Nedbank 4me
Go Banking R24,00 R17,50 Not applicable Not applicable
• Unlocked.me Student
Garage Card R30,00 R17,50 Not applicable Not applicable
Account
NEDBANK GREENBACKS CREDIT CARDS (REWARDS)

Seniors Greenbacks Classic* R30,00 R17,50 R30,00 R23,00


Greenbacks Gold R32,00 R20,00 R20,00 R23,00
• Optimum
Greenbacks Platinum R57,00 R26,00 R20,00 R23,00
Savvy and Professional Bundle Free Free Free Free
Credit cards
*These products are no longer available

Personal loans
Once-off initiation fee(2) R189,65

Home loans Transaction fees


Subscription fees: Self-service(3) banking Free

Savings and investments Choose a cheaper channel, Online Banking /Money SMS Banking(4) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Investment fees Deposits
• N-5000 Cash deposit - - - R75,00 + R2,00 per
R100
• Money Market
Investment Account Cheque deposit - - - R65,00 per deposit

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank Credit cards
• MobiMoney
Choose a cheaper channel, Online Banking /Money SMS Banking(4) ATM /Card Branch Teller
• Nedbank Pay-as-you-use save on bank fees app. /Self-service Kiosks (*120*001#)
Cash withdrawals
• Ke Yona Bundle
Nedbank ATM - - R2,00 per R100 -
• Savvy Plus Nedbank branch - - - R75,00 + R2,00 per
• Savvy Bundle R100
Another bank’s ATM - - R10,00 + R2,00 -
per R100
Youth International ATM(5) - - R50,44 + R2,00 per -
R100
• Nedbank 4me
Payments and transfers
• Unlocked.me Student Transfer between your own Nedbank R4,30 R4,30 R4,30 R80,00
Account accounts
To another Nedbank account R8,35 R8,35 - -
Seniors To an account at another bank R8,35 R8,35 - -
• Optimum Purchases & top-ups
Fuel purchase - - R6,00 -
Credit cards (applicable to garage card only)
Notification fees
Third-party payment notifications on Nedbank Online Banking/Nedbank Money app
Personal loans
 - SMS R1,15 - - -
 - Email R1,00 - - -
Home loans
 - Fax R10,00 - - -
Balance enquiries
Savings and investments
At Nedbank Free Free Free R8,00
• Investment fees
• N-5000 Another bank’s ATM - - R8,00 -
• Money Market Statements
Investment Account At Nedbank Free - Free -
Posted - - - Free
Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank Credit cards
• MobiMoney
Choose a cheaper channel, Online Banking /Money SMS Banking(4) ATM /Card Branch Teller
• Nedbank Pay-as-you-use save on bank fees app. /Self-service Kiosks (*120*001#)
Declined transaction fees due to
• Ke Yona Bundle insufficient funds
• Savvy Plus Nedbank ATM - - Free -

• Savvy Bundle Point-of-sale device - - R8,60 -


Another bank’s ATM - - R8,60 -

Youth Dishonoured payment  - -  - R90,00


Incorrectly disputed transaction fees
• Nedbank 4me
Local - - - R160,00
• Unlocked.me Student International - - - R180,00
Account

Seniors Other service fees


Tracing fee Up to R410,00
• Optimum
Special clearance of a cheque deposited in a branch R130,00
Face-to-face card delivery (where applicable)(6) R160,00
Credit cards
Same day card delivery R41000
Card replacement fee(7) R140,00
Personal loans International currency conversion fee(5) 2%

Home loans

Savings and investments


• Investment fees
• N-5000
• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank Credit cards
• MobiMoney
• Nedbank Pay-as-you-use Notes:
• Ke Yona Bundle
• Savvy Plus 1. The credit facility service fee may vary depending on your risk profile (maximum R47,00).
The credit facility service fee covers the costs associated with providing the credit card
• Savvy Bundle facility, up to 55 days’ interest-free routine administration and maintenance of the credit
facility, as well as the cost of capital associated with providing the credit facility.
Youth 2. The once-off initiation fee is free on Savvy and Professional Bundle credit cards.
• Nedbank 4me 3. This includes banking at self-service kiosks, Nedbank app.,Nedbank Online Banking and SMS
• Unlocked.me Student Banking. Free on Savvy and Professional Bundle credit cards.
Account 4. Exclusive of rates charged by network providers.
Seniors 5. An international currency conversion fee of 2% (based on the rand value of the
• Optimum transaction) applies to ALL transactions performed outside South Africa. For example, if
you swipe your card overseas for the rand equivalent of R500, the fee will be R10,00.

Credit cards 6. Face-to-face card delivery is free on Platinum, Savvy and Professional Bundle credit
cards.
Personal loans 7. Applicable to garage cards as well. Free on Platinum, Savvy and Professional Bundle
credit cards.
Home loans

Savings and investments


• Investment fees
• N-5000
• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Personal loans
• MobiMoney A personal loan is an easy and affordable way to better your life.
• Nedbank Pay-as-you-use Think about the good that a loan can do for you or your family.
• Ke Yona Bundle PERSONAL LOANS FEES
• Savvy Plus Initiation fee (once-off) R1 207,50

• Savvy Bundle Monthly service fee R69,00


Maximum interest rate* 27,75%

Youth Loan amounts R2 000 to R250 000


Repayment terms 6 to 72 months
• Nedbank 4me
• Unlocked.me Student
Account Notes:
Seniors
• Optimum • The client must earn a net salary of at least R3 500 per month with a minimum basic salary
of R3 500 a month.
Credit cards • The stipulated interest rate is subject to change.

Personal loans

Home loans

Savings and investments


• Investment fees
• N-5000
• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Home loans
• MobiMoney
Initiation fee R6 037
• Nedbank Pay-as-you-use • The initiation fee covers the costs of processing your home loan application and is charged on all home loan applications
(excluding readvances).
• Ke Yona Bundle • You may opt to pay the fee upfront when you sign your home loan documentation at the attorney
(Nedbank’s recommended option) or you may add the fee to the loan amount (subject to Nedbank’s credit policy).
• Savvy Plus
• Savvy Bundle Monthly service fee R69,00
• The monthly service fee covers the costs of maintaining your home loan account and is included in your monthly home loan
instalment.
Youth
• Nedbank 4me Transactional fees 
Cash deposit fee R75,00 + R2,00 per R100
• Unlocked.me Student
Account • Is charged for any cash deposit into your home loan account at a Nedbank branch.

Cheque deposit fee R65,00 per deposit


Seniors
• Is charged for any cheque deposit into your home loan account at a Nedbank branch.
• Optimum

Credit cards
Notes:
Personal loans

Home loans • The monthly service fee for Usuary Act loans up to R500 000 is R5.75 per month

Savings and investments


• Investment fees
• N-5000
• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Investment fees
Savings and investments / Investment fees
• MobiMoney
Transactional fees 
• Nedbank Pay-as-you-use Deposits
• Ke Yona Bundle Cash deposit at branch teller R75,00 + R2,00 per R100
Cash deposit at Nedbank ATM R1.00 per R100
• Savvy Plus
The initial cash deposit into an investment account does not attract any fees
• Savvy Bundle
Payments to a recipient(1)
Youth Branch R25,00 per payment
• Nedbank 4me Self-service(2) channels One free payment a month,
thereafter R25,00 per
• Unlocked.me Student payment.
Account

Seniors
• Optimum
Notes:
Credit cards
1. This fee applies to a notice of withdrawal to a recipient and is deducted from the
Personal loans withdrawal amount. A recipient is any account other than your own
Nedbank accounts.
Home loans 2. Self-service channels include Online Banking and the Nedbank Money app.

Savings and investments


• Investment fees
• N-5000
• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank N-5000 Account
Savings and investments / Nedbank N-5000 Account
• MobiMoney
• Nedbank Pay-as-you-use
By maintaining a minimum balance of R20 000 or more and R26,00
• Ke Yona Bundle having a debit transaction of R500 or more each month, you get: per month
• Savvy Plus • no monthly fee;
• Savvy Bundle
• free card swipes;
Youth • free account payments (including debit and stop orders), interaccount transfers
and balance enquiries at self-service(1) channels;
• Nedbank 4me
• cash deposits of up to R5 000 a month at Nedbank ATMs included;
• Unlocked.me Student
Account • free cheque deposits and cheque service fees; and

Seniors • 50% off branch cash deposit fees.


• Optimum

Credit cards Monthly maintenance fee R26,00(2)


Transaction fees
Personal loans Choose a cheaper channel, Online Banking /Money SMS Banking(3) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
Deposits
Home loans
Cash deposit - - R1,00 per R100 R75,00 plus R2,00
per R100
Savings and investments Participating retailer’s point-of-sale - - R6,00 plus R2,00 -
device(4) per R100
• Investment fees
Cheque deposit - - - R65,00 per deposit
• N-5000
• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank N-5000 Account
Savings and investments / Nedbank N-5000 Account
• MobiMoney
Transaction fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(3) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Cash withdrawals
• Savvy Plus
Participating retailer’s point-of-sale - - R4,30 -
• Savvy Bundle device(4)
Nedbank ATM - - R2,00 per R100 -

Youth Nedbank branch - - - R75,00 plus R2,00


per R100
• Nedbank 4me Cheque encashment - - - R75,00 plus R2,00
per R100 in
• Unlocked.me Student addition to cheque
Account service fees
Another bank’s ATM - - R10,00 plus -
Seniors R2,00 per R100
International ATM(5) - - R50,00 plus R2,00 -
• Optimum per R100
Payments and transfers
Credit cards Transfer between your own Nedbank R4,30  Free R4,30 R85,00
accounts

Personal loans To a third-party bank account R8,35 Free - R125,00


Instant payment up to R2000 R10.00 - - -
Instant payment over R2000
Home loans R49,00 - - -
Send-iMali(6):
- R1 to R1000 R10,00 R10,00 - -
Savings and investments
- R1000 to R2500 R14,00 R14,00 - -
• Investment fees Debit order (internal) R5,00 - - -
• N-5000 Debit order (external) R19,00 - - -

• Money Market Stop order R19,00 - - -


Investment Account Stop-payment instruction R5,00 - - R63,00
Cheque service fee - - - R150,00
Foreign exchange Bank-guaranteed cheque - - - R190,00
Bank’s own cheque - - - R190,00

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank N-5000 Account
Savings and investments / Nedbank N-5000 Account
• MobiMoney
Transaction fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(3) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Purchases & top-ups
• Savvy Plus
Debit or cheque card swipe  - -  R4,30 - 
• Savvy Bundle Garage card transaction  - -  R4,30 - 
Prepaid airtime top-up on R1,00 R1,00 R1,00 -
Youth Nedbank channels
Prepaid electricity purchase R2,00 R2,00 - -
• Nedbank 4me
LOTTO purchase R2,60 R2,60 - -
• Unlocked.me Student Notification fees
Account eNote SMS notifications R12,00 per month - - -
Third-party payment notifications on Nedbank Online Banking/Nedbank Money app
Seniors
- SMS R1,15 - - -
• Optimum  - Email R1,00 - - -
 - Fax R10,00 - - -
Credit cards No funds alert R13,00 per SMS - - -
Balance enquiries
Personal loans At Nedbank Free Free Free R8,00
Another bank’s ATM - - R8,00 -
Home loans Transaction lists
From last ten transactions up to five years Free - R8,00 R30,00 per page
Savings and investments Bank-certified statements
E-mailed current statement Free - - -
• Investment fees
Current month (7) - - One free per billing R30,00 per statement
• N-5000 cycle, thereafter
R10,00
• Money Market Three months - - R30,00 -
Investment Account
Posted - - - R30,00

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank N-5000 Account
Savings and investments / Nedbank N-5000 Account
• MobiMoney
Transaction fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(3) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Declined transaction fees due to
• Savvy Plus insufficient funds
• Savvy Bundle Nedbank ATM - - Free -
Point-of-sale device - - R8,60 -
Youth Another bank’s ATM - - R8,60 -
Dishonoured debit order R60,00 per item - - -
• Nedbank 4me
• Unlocked.me Student
Account
Honouring fee per item R90,00 - - - 
Seniors Disputed debit order fee 
• Optimum Per disputed debit order R5,00 - - R5,00

Credit cards Other service charges


Self-service banking subscription fee Free
Personal loans Overdraft facility fee(8) R49,00 per month
Cheque card: Nedbank Greenbacks linkage fee R23,00 per month
Home loans Visa/Mastercard debit card service fee Free
Cheque card service fee R185,00 per annum
Savings and investments Garage debit card R185,00 per annum

• Investment fees Card replacement fee R140,00


Request for copy of transaction voucher: 
• N-5000
- Local  R150,00 per voucher
• Money Market - International  R150,00 per voucher
Investment Account Post-dated cheque R150,00
Special clearance of a cheque deposited in a branch R130,00
Foreign exchange Chequebook (40 cheques) R110,00

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Nedbank N-5000 Account
Savings and investments / Nedbank N-5000 Account
• MobiMoney
• Nedbank Pay-as-you-use Notes:
• Ke Yona Bundle
• Savvy Plus 1. Self-service channels includes SMS Banking, Online Banking the Nedbank Money app. and in-
branch self-service kiosks.
• Savvy Bundle
2. An additional monthly fee of R48,00 is applicable to non-resident clients.
Youth 3. Exclusive of rates charged by network providers.
• Nedbank 4me 4. This fee applies at all stores where the cash-at-tillpoint service is offered.
• Unlocked.me Student 5. An international currency conversion fee of 2% (based on the rand value of the transaction)
Account applies to ALL transactions performed outside South Africa. For example, if you swipe your
card overseas for the rand equivalent of R500, the fee will be R10,00.
Seniors
6. Send money quickly and securely to any South African cellphone.
• Optimum
7. A billing cycle runs from the third-last business day of the month to the fourth-last business day
of the following month. Your transaction list will reflect the fees for all transactions that you
Credit cards performed in the previous billing cycle. In other words, you are billed one month in arrear.

Personal loans 8. Facility fees, while prescribed by the National Credit Act, may differ for internal banking
segments.
Home loans

Savings and investments


• Investment fees
• N-5000
• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Money Market Investment Account
Savings and investments / Money Market Investment Account
• MobiMoney
• Nedbank Pay-as-you-use By maintaining a minimum balance of R20 000 or more and R26,00
• Ke Yona Bundle having a debit transaction of R500 or more each month, you get: per month
• Savvy Plus
• Savvy Bundle • no monthly fee;
• free card swipes;
Youth
• free account payments (including debit and stop orders), interaccount
• Nedbank 4me transfers and balance enquiries at self-service(1) channels;
• Unlocked.me Student • no cheque service fees; and
Account
• 50% off branch cash deposit fees.
Seniors
• Optimum
Monthly maintenance fee R26,00
Credit cards Transaction fees
Choose a cheaper channel, Online Banking /Money SMS Banking(3) ATM /Card Branch Teller
Personal loans save on bank fees app. /Self-service Kiosks (*120*001#)
Deposits

Home loans Cash deposit - - R1,00 per R100 R75,00 plus R2,00
per R100
Participating retailer’s point-of-sale - - R6,00 plus R2,00 -
Savings and investments device(4) per R100

• Investment fees Cheque deposit - - - R65,00 per deposit

• N-5000
• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Money Market Investment Account
Savings and investments / Money Market Investment Account
• MobiMoney
Transaction fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(3) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Cash withdrawals
• Savvy Plus
Participating retailer’s point-of-sale - - R4,30 -
• Savvy Bundle device(4)
Nedbank ATM - - R2,00 per R100 -

Youth Nedbank branch - - - R75,00 plus R2,00


per R100
• Nedbank 4me Cheque encashment - - - R75,00 plus R2,00
per R100 in
• Unlocked.me Student addition to cheque
Account service fees
Another bank’s ATM - - R10,00 plus -
Seniors R2,00 per R100
International ATM(5) - - R50,00 plus R2,00 -
• Optimum per R100
Payments and transfers
Credit cards Transfer between your own Nedbank R4,30  Free R4,30 R85,00
accounts

Personal loans To a third-pary bank account R8,35 Free - R125,00


Instant payment up to R2000 R10,00 - - -
Instant payment over R2000
Home loans R49,00 - - -
Send-iMali(6):
- R1 to R1000 R10,00 R10,00 - -
Savings and investments
- R1000 to R2500 R14,00 R14,00 - -
• Investment fees Debit order (internal) R5,00 - - -
• N-5000 Debit order (external) R19,00 - - -
Stop order R19,00 - - -
• Money Market
Investment Account Stop-payment instruction - - - R60300
Cheque service fee - - - R150,00
Foreign exchange Bank-guaranteed cheque - - - R190,00
Bank’s own cheque - - - R190,00

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Money Market Investment Account
Savings and investments / Money Market Investment Account
• MobiMoney
Transaction fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(3) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Purchases & top-ups
• Savvy Plus
Debit or cheque card swipe  - -  R4,30 - 
• Savvy Bundle Garage card transaction  - -  R4,30 - 
Prepaid airtime top-up on R1,00 R1,00 R1,00 -
Youth Nedbank channels
Pre-paid electricity purchase R2,00 R2,00 - -
• Nedbank 4me
LOTTO purchase R2,60 R2,60 - -
• Unlocked.me Student Notification fees
Account eNote SMS notifications R12,00 per month - - -
Third-party payment notifications on Nedbank Online Banking/Nedbank Money app 
Seniors
- SMS R1,15 - - -
• Optimum  - Email R1,00 - - -
 - Fax R10,00 - - -
Credit cards No funds alert R13,00 per SMS - - -
Balance enquiries
Personal loans At Nedbank Free Free Free R8,00
Another bank’s ATM - - R8,00 -
Home loans Transaction lists
From last ten transactions up to five years Free - R8,00 R30,00 per page
Savings and investments Bank-certified statements

• Investment fees E-mailed current statement Free - - R30,00 per statement


Current month (7) - - One free per billing R30,00 per statement
• N-5000 cycle, thereafter
R10,00
• Money Market
Three months - - R30,00 -
Investment Account
Posted - - - R30,00 per statement

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Money Market Investment Account
Savings and investments / Money Market Investment Account
• MobiMoney
Transaction fees
• Nedbank Pay-as-you-use Choose a cheaper channel, Online Banking /Money SMS Banking(3) ATM /Card Branch Teller
save on bank fees app. /Self-service Kiosks (*120*001#)
• Ke Yona Bundle
Declined transaction fees due to
• Savvy Plus insufficient funds
• Savvy Bundle Nedbank ATM - - Free -
Point-of-sale device - - R8,60 -
Youth Another bank’s ATM - - R8,60 -
Dishonoured debit order R60,00 per item - - -
• Nedbank 4me
• Unlocked.me Student
Account
Honouring fee per item R90,00 - - - 
Seniors Disputed debit order fee 
• Optimum Per disputed debit order R5,00 - - R5,00

Credit cards Other service charges


Self-service banking subscription fee R16,00 per month
Personal loans Overdraft facility fee(8) R4900 per month
Cheque card: Nedbank Greenbacks linkage fee R23,00 per month
Home loans Visa/Mastercard debit card service fee Free
Cheque card service fee R185,00 per annum
Savings and investments Garage debit card R185,00 per annum

• Investment fees Card replacement fee R140,00


Request for copy of transaction voucher:
• N-5000
- Local R150,00 per voucher
• Money Market - International R150,00 per voucher
Investment Account Post-dated cheque R150,00
Special clearance of a cheque deposited in a branch R130,00
Foreign exchange Chequebook (40 cheques) R110,00

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Money Market Investment Account
Savings and investments / Money Market Investment Account
• MobiMoney
• Nedbank Pay-as-you-use Notes:
• Ke Yona Bundle
• Savvy Plus 1. Self-service channels includes SMS Banking, Online Banking the Nedbank Money app. and in-
branch self-service kiosks.
• Savvy Bundle
2. An additional monthly fee of R48,00 is applicable to non-resident clients.
Youth 3. Exclusive of rates charged by network providers.
• Nedbank 4me 4. This fee applies at all stores where the cash-at-tillpoint service is offered.
• Unlocked.me Student 5. An international currency conversion fee of 2% (based on the rand value of the transaction)
Account applies to ALL transactions performed outside South Africa. For example, if you swipe your
card overseas for the rand equivalent of R500, the fee will be R10,00.
Seniors
6. Send money quickly and securely to any South African cellphone.
• Optimum
7. A billing cycle runs from the third-last business day of the month to the fourth-last business day
of the following month. Your transaction list will reflect the fees for all transactions that you
Credit cards performed in the previous billing cycle. In other words, you are billed one month in arrear.

Personal loans 8. Facility fees, while prescribed by the National Credit Act, may differ for internal banking
segments.
Home loans

Savings and investments


• Investment fees
• N-5000
• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Foreign exchange
• MobiMoney
Transaction fees
• Nedbank Pay-as-you-use Travel Card
• Ke Yona Bundle Commission 2,15%
Minimum charge R120,00
• Savvy Plus
Initial card fee Free
• Savvy Bundle Back up card Free
ATM fee $3 equivalent
Youth Cross currency conversion 3%
• Nedbank 4me POS Free
Replacement card R151,00
• Unlocked.me Student
Account Foreign banknotes (purchases and sales)
Commission (client buys from Nedbank) 2,15%
Seniors Minimum charge R120,00

• Optimum Banknotes for countries in Common Monetary Area (LSL, NAD, SZL)
Commission 3,40%

Credit cards Minimum charge R120,00


Travellers cheque purchases (client selling to Nedbank)
Commission 2,30%
Personal loans
Minimum charge R120,00

Home loans Inward telegraphic transfers


Amounts over R2000

Savings and investments Commission 0,71%


Minimum charge R179,01
• Investment fees
Maximum charge R900,93
• N-5000 Amounts under R2000
• Money Market Commission R112,28
Investment Account Pension payments(1) R60,63
Payments search (minimum) R249,25
Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020
CONTENTS
Everyday banking
Foreign exchange
• MobiMoney
Transaction fees
• Nedbank Pay-as-you-use Outward telegraphic transfers
• Ke Yona Bundle Commission 0,66%
Minimum charge R179,01
• Savvy Plus
Maximum charge R900,93
• Savvy Bundle Communication fee R125,00
Incorrect instructions (excludes foreign charges) R280 + foreign bank charges
Youth Personal foreign charges
• Nedbank 4me Commission 1,17%
Minimum charge R224,55
• Unlocked.me Student
Account Maximum charge R1 150,83
Payments search R317,74
Seniors Unpaid advice (excludes foreign charges) R225,00+ foreign bank charges

• Optimum Other charges


NEP form (attestation) R49,50

Credit cards Courier charges Dependent on the courier used

Personal loans
Notes:
Home loans

Savings and investments 1. Available to eligible clients on application.


• Investment fees
• N-5000
• Money Market
Investment Account

Foreign exchange

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and All fees quoted are VAT inclusive and are
registered credit provider in terms of the National Credit Act (NCRCP16). HOME effective from 1 January 2020