Choose the pricing option that suits you best

 
 
Choose the pricing option that suits you best
Choose the pricing option that suits you best
       2015 Pricing Guide



Absa Bank Ltd Reg No 1986/004794/06 Authorised Financial Services Provider Registered Credit Provider Reg No NCRCP7   Back to contents page
How transaction fees work
In short, you pay either a fixed fee or a sliding scale fee,                      4. Rebate Banking
sometimes called ‘ad valorem’.                                                       You will not pay banking fees on certain transactions
                                                                                     if you keep a set minimum balance in your account
An example of how a fixed fee works is that when you                                 throughout the month.
perform account payments at an Absa ATM, you’ll pay
a fixed fee per transaction, whether you pay R100,00                              5. EasyFee
or R1 000.                                                                           EasyFee is a Management Fee option where you
                                                                                     pay a monthly fee based on the number of selected
With a sliding scale fee, you pay a base fee for the transaction                     transactions you do each month. It offers you different
itself plus a fee based on the value of the transaction.                             pricing options to choose from, each with a set number
An example is the ATM cash withdrawal on a Current Account.                          of selected transactions. Once you have used all your set
There is a R3,95 base fee for the transaction plus a R1,30 fee                       transactions you are charged a single fee per selected
per R100,00 withdrawn, which means a R500,00 cash                                    transaction and no out-of-bundle penalty fees.
withdrawal will cost you R10,45 (R3,95 + 5 x R1,30).

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

1. Pay-as-you-transact
   This is the standard fee pricing option, where you are
   charged a standard fee for every transaction you make.

2. Value Bundle
   You pay an affordable, fixed monthly fee from as little
   as R49,00 a month for a set number of transactions
   as part of your Value Bundle. On the Gold and Platinum
   Value Bundle, unused transactions roll over to the next
   month. Various value-added services are included.

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




Get more. Prosper.

Disclaimer:
Fees quoted in this brochure are valid from 15 August 2015. Unless otherwise stated, fees include 14% VAT and are subject to change.

Absa Bank is entitled, immediately and without notice, for each product or service offered to individual customers, to change the fees and costs to fees and
costs that apply to the same and similar business products and services offered to business customers if there is evidence that an individual product or service
is used for business purposes, or used in any way that is not allowed by the product terms or conditions. This may also result in customers having to pay
additional fees and costs, or even the termination of the product or service.

E&OE


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Contents
Basic Banking
• Transact     5

Daily Banking
• Flexi Account      8
• Flexi Value Bundle 10

Full-value Banking
• Gold Current Account – Pay-as-you-transact     11
• Platinum Current Account – Pay-as-you-transact 11
• Gold Value Bundle                              14
• Platinum Value Bundle                          14

Youth Banking
• Mega U                                         16

Student Banking
• Student Silver                                      19

Seniors Banking
• Flexi Account – Seniors offering                    20
• Prosperity                                          23

Islamic Banking
• Islamic Youth                                       24
• Islamic Savings                                     27
• Islamic Current Account – Value Bundles             30

Savings and Investments
• TruSave                                             32
• Depositor Plus                                      32
• Club Account                                        32
• Tax-free Savings                                    34
• Money Market Fund                                   36

Credit Cards
• Transact Credit, Gold, Titanium, Platinum           38

Home Loans                                            40

International Banking                                 41

Other offerings
• Prepaid Debit Card                                  43
• Pay-as-you-transact:                                45
  Absa Current Account, Student Silver, Prosperity,
  and Islamic Current Account
• OneTouch                                            48
• Safe custody                                        49
• Cellphone Banking Lite                              49

Frequently asked questions                            51




Page 3 | Pricing Guide                                     Back to contents page
Transactional offerings
                           Product offerings           Pricing plans
 Basic Banking             Transact                    Pay-as-you-transact
 Daily Banking             Flexi Account               Pay-as-you-transact   Value Bundle
                           Gold Account                Pay-as-you-transact   Value Bundle
 Full-value Banking
                           Platinum Account            Pay-as-you-transact   Value Bundle
 Youth Banking             Mega U                      Pay-as-you-transact
 Student Banking           Student Silver              EasyFee
                           Flexi Account               Rebate Banking
 Seniors Banking
                           Prosperity                  Rebate Banking
                           Islamic Youth               Pay-as-you-transact
 Islamic Banking           Islamic Savings             Pay-as-you-transact
                           Islamic Current Account     Pay-as-you-transact   Value Bundle
                           TruSave                     Pay-as-you-transact
                           Depositor Plus              Pay-as-you-transact
 Savings and Investments   Club Account                Pay-as-you-transact
                           Tax-free Savings            Pay-as-you-transact
                           Money Market Fund           Pay-as-you-transact
 Credit Cards                                          Standard fee
 Home Loans                                            Standard fee
 International Banking                                 Standard fee
                           Prepaid Debit Card          Prepaid
                           Current Accounts:
                           • Absa Current Account
                           • Student Silver            Pay-as-you-transact
 Other offerings           • Prosperity
                           • Islamic Current Account
                           OneTouch                    Standard fee
                           Safe custody                Standard fee
                           Cellphone Banking Lite      Standard fee




Page 4 | Pricing Guide                                                             Back to contents page
Basic Banking
Transact
A card-based account that gives you access to the largest       Qualifying customers can apply for a loan via
ATM network in the country and the convenience                  an Absa ATM.
of 24/7 access to your money. No opening balance or
minimum balance is required. This product allows for full       Tip: Choose the right product that gives you what you need
electronic banking functionality including Internet Banking,    and suits your budget, so you don’t pay for benefits you never
Cellphone Banking, Telephone Banking and Absa ATMs.             use or need.



 Transact
 Monthly fees
 Monthly administration fee                                                        R4,75
 Monthly subscription fees – Internet, Cellphone, Telephone Banking                No charge
 Deposits
 Cheque deposit: Branch counter                                                    R16,00
 Cheque deposit: Absa ATM                                                          No charge
 Cash deposit: Branch counter                                                      R7,00 + R1,45/R100
 Cash deposit: Absa ATM                                                            R3,00 + R1,30/R100
 Cardless cash deposit: Cash acceptor                                              R5,25 + R1,45/R100
 Cash withdrawals
 Branch counter                                                                    R40,00 + R1,50/R100
 Absa ATM                                                                          R4,45
 Point of sale (POS)                                                               R1,15
 Absa-supported ATM                                                                R4,45
 Saswitch ATM/Post Office terminal                                                 R7,20
 Overseas ATM/POS (1) (5)                                                          R50,00
 Purchases
 Prepaid top-up at Absa ATM, POS, Internet, Cellphone, Telephone (IVR)             R1,05
 POS – local                                                                       No charge
 POS – overseas(5)                                                                 R9,75 + R0,75/R100 (max. R45)
 Account payments and funds transfers
 Account payments
 • Branch counter                                                                  R40,00
 • Absa ATM                                                                        R3,00
 • Internet                                                                        R1,50
 • Cellphone                                                                       R1,50
 • Telephone (IVR)                                                                 R7,50
 • Telephone Adviser-assisted                                                      R14,50




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Transact
  Account payments and funds transfers
  Immediate interbank payment
  • Internet, Cellphone, Telephone (IVR)                R11,00 + R1,30/R100 (max. R65)
  • Telephone Adviser-assisted                          R18,00 + R1,30/R100 (max. R65)
  Debit and stop orders
  • Internal debit orders                               No charge
  • External debit orders                               R3,00
  • Stop orders                                         No charge
  Funds transfers
  • Absa ATM, Internet, Cellphone, Telephone (IVR)      No charge
  • Branch counter                                      R40,00
  • Telephone Adviser-assisted                          R7,00
  CashSend
  • Absa ATM, Cellphone, Internet                       R7,99
  Balance enquiries
  Branch counter                                        R3,35
  Absa ATM                                              No charge
  POS                                                   No charge
  Absa-supported ATM                                    No charge
  Saswitch ATM/Post Office terminal                     R4,00
  Internet, Cellphone, Telephone (IVR)                  No charge
  Telephone Adviser-assisted                            R3,35
  Statement fees
  Absa ATM ministatement                                R4,00
  Absa CAT terminal full statement                      R8,00
  Branch counter full statement                         R16,00
  Mailed statement                                      R16,00
  eStatement(2)                                         No charge
  Transaction history
  • Enquiry – Internet, Cellphone, Telephone (IVR)(3)   No charge
  • Enquiry – Telephone Adviser-assisted(3)             R16,00
  Archived statements/Tax certificate – Internet        R5,50 per statement
  Copies of statements (per statement)
  • Less than 4 months old                              R16,00
  • 4 months or older                                   R40,00
  Administration fees
  Bank cheque                                           R80,00
  Stop payments
  • Branch, Internet, Telephone Adviser-assisted        R30,00
  Stop order establishment/amendment fee
  • Branch, Internet, Telephone Adviser-assisted        No charge
  Special clearance                                     R80,00
  Debit Card replacement fee                            R80,00




Page 6 | Pricing Guide                                                            Back to contents page
Transact
 Other fees
 Notification fee (SMS or email)                                                                          R0,55
 Dishonoured/Returned payment                                                                             No charge
 Notice of payment (Internet, Cellphone, Telephone)
 • SMS | Email | Fax                                                                                      R0,80 | R0,80 | R6,50
 Internet Banking notifications (includes RVN, TVN, logon alert)
 • SMS | Email                                                                                            No charge
 Declined fee (insufficient funds)(4)                                                                     No charge
 Returned cheque deposit                                                                                  No charge

Notes:
1. Cash withdrawals performed at Global Alliance partners: R35,00.
2. Customers can register for eStatements by logging on to Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’,
   or via Telephone Banking or by sending their request to officialemail@absa.co.za
3. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax.
4. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS.
5. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa.




Page 7 | Pricing Guide                                                                                                                     Back to contents page
Daily Banking
Flexi Account
The Flexi Account is a full-service transactional account.     Key benefits associated with this account include free funeral
This account gives you full access to all our channels, such   cover for customers aged between 18 and 65 years, Personal
as Internet and Cellphone Banking, and is ideally suited to    Health Advisor, Legal Assist, Discounted Doctor’s Network and
customers who earn a regular monthly income.                   Missing Assist. Please note that terms and conditions apply.


 Flexi Account
 Monthly fees
 Monthly administration fee                                                       R15,00
 Monthly subscription fees – Internet, Cellphone, Telephone Banking               No charge
 Deposits
 Cheque deposit: Branch counter                                                   R16,00
 Cheque deposit: Absa ATM                                                         No charge
 Cash deposit: Branch counter                                                     R7,00 + R1,45/R100
 Cash deposit: Absa ATM                                                           R3,00 + R1,30/R100
 Cardless cash deposit: Cash acceptor                                             R5,25 + R1,45/R100
 Cash withdrawals
 Branch counter                                                                   R40,00 + R1,50/R100
 Absa ATM                                                                         R3,95 + R1,30/R100
 Point of sale (POS)                                                              R3,95
 Absa-supported ATM                                                               R6,95 + R1,30/R100
 Saswitch ATM/Post Office terminal                                                R9,95 + R1,30/R100
 Overseas ATM/POS (1) (5)                                                         R50,00
 Purchases
 Prepaid top-up at Absa ATM, POS, Internet, Cellphone, Telephone (IVR)            R1,05
 POS – local                                                                      R2,65
 POS – overseas(5)                                                                R9,75 + R0,75/R100 (max. R45)
 Account payments and funds transfers
 Account payments
 • Absa ATM, Internet, Cellphone, Telephone (IVR)                                 R7,50
 • Branch counter                                                                 R40,00
 • Telephone Adviser-assisted                                                     R14,50
 Immediate interbank payment
 • Internet, Cellphone, Telephone (IVR)                                           R11,00 + R1,30/R100 (max. R65)
 • Telephone Adviser-assisted                                                     R18,00 + R1,30/R100 (max. R65)
 Debit and stop orders
 • Internal debit orders                                                          No charge
 • External debit orders                                                          R8,00
 • Stop orders                                                                    No charge
 Funds transfers
 • Absa ATM, Internet, Cellphone, Telephone (IVR)                                 No charge
 • Branch counter                                                                 R40,00
 • Telephone Adviser-assisted                                                     R7,00
 CashSend
 • Absa ATM, Internet, Cellphone                                                  R7,90 + R1,30/R100




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Flexi Account
  Balance enquiries
  Branch counter                                                                                          R3,35
  Absa ATM                                                                                                R1,50
  POS                                                                                                     R1,00
  Absa-supported ATM                                                                                      R3,35
  Saswitch ATM/Post Office terminal                                                                       R4,00
  Overseas ATM/POS                                                                                        R4,00
  Internet, Cellphone, Telephone (IVR)                                                                    No charge
  Telephone Adviser-assisted                                                                              R3,35
  Statement fees
  Absa ATM ministatement                                                                                  R4,00
  Absa CAT terminal full statement                                                                        R8,00
  Full statement: Branch counter                                                                          R16,00
  Mailed statement                                                                                        R16,00
  eStatement(2)                                                                                           No charge
  Transaction history
  • Enquiry – Internet, Cellphone, Telephone (IVR)(3)                                                     No charge
  • Enquiry – Telephone Adviser-assisted(3)                                                               R16,00
  Archived statements/Tax certificate – Internet                                                          R5,50 per statement
  Copies of statements (per statement)
  • Less than 4 months old                                                                                R16,00
  • 4 months or older                                                                                     R40,00
  Administration fees
  Bank cheque                                                                                             R80,00
  Stop payments
  • Branch, Internet, Telephone Adviser-assisted                                                          R30,00
  Stop order establishment/amendment fee
  • Branch, Internet, Telephone Adviser-assisted                                                          No charge
  Special clearance                                                                                       R80,00
  Debit Card replacement fee                                                                              R80,00
  Other fees
  Notification fee (SMS or email)                                                                         R0,55
  Dishonoured/returned payment                                                                            R5,00
  Notice of payment (Internet, Cellphone, Telephone)
  • SMS | Email | Fax                                                                                     R0,80 | R0,80 | R6,50
  Internet Banking notifications (includes RVN, TVN, logon alert)
  • SMS | Email                                                                                           No charge
  Declined fee (insufficient funds)(4)                                                                    R5,00
  Returned cheque deposit                                                                                 R80,00


Notes:
1. Cash withdrawals performed at Global Alliance partners: R35,00.
2. Customers can register for eStatements by logging on to Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’,
   or via Telephone Banking or by sending their request to officialemail@absa.co.za
3. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax.
4. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS.
5. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa.




Page 9 | Pricing Guide                                                                                                                     Back to contents page
Flexi Value Bundle
With the Flexi Value Bundle, we offer you a selection of                            Key benefits associated with this account include free funeral
transactions free of charge for a low monthly fee of R49,00.                        cover for customers aged between 18 and 65 years, Personal
                                                                                    Health Advisor, Legal Assist, Discounted Doctor’s Network and
                                                                                    Missing Assist. Please note that terms and conditions apply.



  Flexi Value Bundle
  Monthly fees
  Monthly service fees                                                                                       R49,00
  Monthly subscription fees – Internet, Cellphone, Telephone Banking                                         No charge
  Transactions included
  Cash withdrawals Absa ATM                                                                                  3
  Debit card purchases and withdrawals                                                                       8
  • Debit and cheque card purchases
  • Point-of-sale (POS) cash withdrawals
  Electronic account and beneficiary payments                                                                11
  • Account payments via Absa ATM, Internet, Cellphone, Telephone (IVR)
  • External debit orders
  Funds transfers and internal payments                                                                      Unlimited
  • Funds transfers via Absa ATM, Internet, Cellphone, Telephone (IVR)
  • Internal debit orders
  • Stop orders
  Electronic information enquiries                                                                           Unlimited
  • Statement – Absa ATM, Internet and Telephone (IVR)
  • Balance enquiries – Absa ATM, POS, Internet, Cellphone and Telephone (IVR)
  Notification (SMS or email)                                                                                No charge
  eStatement(1)                                                                                              No charge
  Additional features
  Funeral plan                                                                                               R3 000

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


Notes:                                                                              Notes:
1. Customers can register for eStatements by logging on to Internet Banking         The following Internet, Cellphone and Telephone Banking transactions
   and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’,              will generate a separate fee (in addition to the monthly service fee)
   or via Telephone Banking or by sending their request                             on Value Bundles:
   to officialemail@absa.co.za                                                      • Archived statements
                                                                                    • Immediate interbank payments
                                                                                    • Notice of payments (fax, email and SMS)
                                                                                    • CashSend
                                                                                    • Tax certificates
                                                                                    • Stop payments of cheques and debit orders.




Page 10 | Pricing Guide                                                                                                                           Back to contents page
Full-value Banking
Gold/Platinum Current Account
Pay-as-you-transact
With the Pay-as-you-transact (or standard fee) pricing option, you only pay for those transactions you use.


 Gold/Platinum Current Account
 Monthly fees
 Monthly account fee                                                                  R33,00
 Monthly subscription fees – Internet, Cellphone, Telephone Banking                   No charge
 Deposits
 Cheque deposit: Branch counter                                                       R16,00
 Cheque deposit: Absa ATM                                                             No charge
 Cash deposit: Branch counter(FVB)                                                    R7,00 + 1,45% of deposit value
 Cash deposit: Absa ATM                                                               R3,00 + R1,30/R100 (or part thereof)
 Cardless cash deposit: Cash acceptor                                                 R5,25 + 1,45% of deposit value
 Cash withdrawals
 Branch counter(FVB)                                                                  R40,00 + R1,50/R100 (max. R750)
 Absa ATM                                                                             R3,95 + R1,30/R100
 Point of sale (POS)                                                                  R3,95
 Absa-supported ATM                                                                   R6,95 + R1,30/R100
 Saswitch ATM                                                                         R9,95 + R1,30/R100
 Overseas ATM/POS (1) (7)                                                             R50,00
 Cheque encashment                                                                    R40,00 + R1,50/R100 (max. R750)
                                                                                      Plus cheque issued fee
 Purchases
 Prepaid top-up at Absa ATM, POS, Internet, Cellphone, Telephone (IVR)                R1,05
 POS – local                                                                          R3,85
 POS – overseas(7)                                                                    R9,75 + R0,75/R100 (max. R45)
 Account payments and funds transfers
 Account payments
 • Absa ATM, Internet, Cellphone, Telephone (IVR)                                     R7,50
 • Branch counter                                                                     R40,00
 • Telephone Adviser-assisted                                                         R14,50
 Immediate interbank payment
 • Internet, Cellphone, Telephone (IVR)                                               R11,00 + R1,30/R100 (max. R65)
 • Telephone Adviser-assisted                                                         R18,00 + R1,30/R100 (max. R65)
 Debit and stop orders
 • Internal debit orders                                                              No charge
 • External debit orders                                                              R15,50
 • Stop orders                                                                        No charge
 Funds transfers
 • Absa ATM, Internet, Cellphone, Telephone (IVR)                                     No charge
 • Branch counter(FVB)                                                                R40,00
 • Telephone Adviser-assisted                                                         R7,00
 CashSend
 • Absa ATM, Internet, Cellphone                                                      R7,90 + R1,30/R100
 Cheque issued(2)                                                                     R40,00




Page 11 | Pricing Guide                                                                                           Back to contents page
Gold/Platinum Current Account
  Balance enquiries
  Branch counter                                                    R3,35
  Absa ATM                                                          R1,50
  POS                                                               R1,00
  Absa-supported ATM                                                R3,35
  Saswitch ATM                                                      R4,00
  Overseas ATM/POS                                                  R4,00
  Internet, Cellphone, Telephone (IVR)                              No charge
  Telephone Adviser-assisted                                        R3,35
  Statement fees
  Absa ATM ministatement                                            R4,00
  Absa CAT terminal full statement                                  R8,00
  Full statement: Branch counter                                    R16,00
  Mailed statement                                                  R16,00
  eStatement(3)                                                     No charge
  Transaction history
  • Enquiry – Internet, Cellphone, Telephone (IVR)(4)               No charge
  • Enquiry – Telephone Adviser-assisted(4)                         R16,00
  Archived statements/Tax certificate – Internet                    R5,50 per statement
  Copies of statements (per statement)
  • Less than 4 months old                                          R16,00
  • 4 months or older                                               R40,00
  Administration fees
  Bank cheque/marked cheque                                         R80,00
  Stop payments
  • Branch, Internet, Telephone Adviser-assisted                    R30,00
  Stop order establishment/amendment fee
  • Branch, Internet, Telephone Adviser-assisted                    No charge
  Special clearance                                                 R80,00
  Debit Card replacement fee                                        R80,00
  Cheque Card replacement fee/new card fee                          R80,00
  Other fees
  Notification fee (SMS or email)                                   R0,55
  Overdraft ledger fee (pm)
  • For the overdraft provision on your account:
    - Overdraft up to R250                                          No charge
    - Overdraft over R250                                           R20,00
  • If your account goes into unauthorised overdraft/excess         R57,00
  Dishonoured/returned payment(5)                                   R60,00
  Notice of payment (Internet, Cellphone, Telephone)
  • SMS | Email | Fax                                               R0,80 | R0,80 | R6,50
  Internet Banking notifications (includes RVN, TVN, logon alert)
  • SMS | Email                                                     No charge




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Gold/Platinum Current Account
     Other fees
     Declined fee (insufficient funds)(6)                                                                      R5,00
     Returned cheque deposit                                                                                   R80,00

Notes:
(FVB)
        A R5,00 premium will apply to these transactions for Flexi Value Bundle customers.
1.      Cash withdrawals performed at Global Alliance partners: R35,00.
2. Only applicable to accounts that allow cheques to be issued.
3. Customers can register for eStatements by logging on to Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’,
   or via Telephone Banking or by sending their request to officialemail@absa.co.za
4. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax.
5. Increasing to R138,00 per transaction from the 4th occurrence within 12 months. Cheques that are unpaid will be levied a flat fee of R138,00
   from the first occurrence.
6. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS.
7.      A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa.




Page 13 | Pricing Guide                                                                                                                     Back to contents page
Gold/Platinum Value Bundles
With the Value Bundle pricing option we offer you a selection           Furthermore, if your spouse chooses to take up a Gold or
of transactions for a low monthly fee. When you’ve used all             Platinum Value Bundle he/she qualifies for a 50% discount on
the transactions in your bundle, you will only pay Pay-as-you-          his/her monthly fee. Your Value Bundle includes monthly cash
transact fees per transaction as per the pricing table on page          back into your account if you have a Home Loan, Credit Card
11. Transactions as allocated in your Value Bundle will roll over       or Vehicle Finance with Absa depending on the Value Bundle
for one month if not used. You can get up to 30% discount               you are on. You get free subscriptions to NotifyMe, Internet
on your monthly fee if you maintain a set positive balance              Banking, Telephone Banking and Cellphone Banking.
in your account.


                                                                    Gold Value Bundle                Platinum Value Bundle
 Monthly fees
 Monthly service fees                                               R98,00                           R149,00
 Discounted monthly service fee:
 • For maintaining a balance of:
   - more than R10 000 = 10% discount; or                           R88,20                           R134,10
   - more than R20 000 = 20% discount; or                           R78,40                           R119,20
   - more than R30 000 = 30% discount                               R68,60                           R104,30
 Monthly subscription fees –
 Internet, Cellphone, Telephone Banking                             No charge                        No charge
 Priority Pass monthly fee (optional)(1)                            N/A                              R59,00
 Transactions included
 Absa ATM cash deposits                                             5                                5
 • Cash deposit: Absa ATM
 • Cash deposit: Cash acceptor
 • Cardless cash deposit: Cash acceptor
 Absa ATM cash withdrawals                                          5                                7
 • Cash withdrawals Absa ATM
 Debit Card purchases and withdrawals                               Unlimited                        Unlimited
 • Debit and Cheque Card purchases
 • Point-of-sale (POS) cash withdrawals
 Electronic account and beneficiary payments                        Unlimited                        Unlimited
 • Account payments via Absa ATM, Internet, Cellphone,
   Telephone (IVR)
 • External debit orders
 Funds transfers and internal payments                              Unlimited                        Unlimited
 • Funds transfers via Absa ATM, Internet,
   Cellphone, Telephone (IVR)
 • Internal debit orders
 • Stop orders
 Electronic information enquiries                                   Unlimited                        Unlimited
 • Statement – Absa ATM, Internet and Telephone (IVR)
 • Balance enquiries – Absa ATM, POS, Internet, Cellphone
   and Telephone (IVR)
 Notification fee (SMS or email)                                    No charge                        No charge
 eStatement(2)                                                      No charge                        No charge
 Roll-over of unused transactions(3)                                1 month                          1 month
 Take-me-Home service                                               6 pa                             8 pa




Page 14 | Pricing Guide                                                                                               Back to contents page
Gold Value Bundle                        Platinum Value Bundle
 Cross-product benefits
 Cash back for your Credit Card                                                    R19,00                                   R41,00
 Cash back for your Home Loan(4)                                                   R15,00                                   R20,00
 Cash back for your Vehicle Finance                                                R5,00                                    R5,00
 Additional features
 Spouse discount on monthly service fees                                           50%                                      50%
 Lump sum death benefit                                                            R15 000                                  R20 000

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


Notes:                                                                                Notes:
1. The first five visits per annum via Priority Pass are included in the monthly      The following Internet, Cellphone and Telephone Banking transactions
   fee. Visits in excess of five will be charged at $33,00 per visit at the           will generate a separate fee (in addition to the monthly service fee)
   exchange rate on the day of billing.                                               on Value Bundles:
                                                                                      • Archived statements
   Visit www.prioritypass.com for information on participating lounges.
                                                                                      • Immediate interbank payments
   Please remember to keep a personal record of your visits so you know
                                                                                      • Notice of payments (fax, email and SMS)
   when your free visits have been used as statements are not provided.
                                                                                      • CashSend
   A fee of R80,00 will apply to Priority Pass card replacements. Priority Pass
                                                                                      • Tax certificates
   is for international and domestic lounge access.
                                                                                      • Stop payments of cheques or debit orders.
2. Customers can register for eStatements by logging on to Internet Banking
   and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’,
   or via Telephone Banking or by sending their request to
   officialemail@absa.co.za
3. Unused transactions for the current month will be added to the next
   month’s transaction limits (i.e. A Gold Value Bundle customer
   who only uses 2 ATM withdrawals will have 8 ATM transactions
   in the following month).
4. Joint Home Loans and Home Loans under the Usury Act are excluded.




Page 15 | Pricing Guide                                                                                                                             Back to contents page
Youth Banking
Mega U
The Mega U Account is the ideal account to get you started      free Debit Card purchases, free SMS and email notifications,
with a bank account. You need to be younger than 18 years       free Absa ATM balance enquiries and no monthly fee.
of age to qualify. With this account you have the benefit of    Youth customers who bank smartly can bank free of charge.


 Mega U
 Monthly fees
 Monthly administration fee                                                        No charge
 Monthly subscription fees – Internet, Cellphone, Telephone Banking                No charge
 Deposits
 Cheque deposit: Branch counter                                                    R16,00
 Cheque deposit: Absa ATM                                                          No charge
 Cash deposit: Branch counter                                                      No charge if deposit is less than R500.
                                                                                   R7,00 + R1,45/R100 of full deposit if
                                                                                   deposit is greater than or equal to R500.
 Cash deposit: Absa ATM                                                            First R500 at no charge, thereafter
                                                                                   R1,30 per R100
 Cardless cash deposit: Cash acceptor                                              First R500 at no charge, thereafter
                                                                                   R1,45 per R100
 Cash withdrawals
 Branch counter                                                                    R40,00 + R1,50/R100
 Absa ATM                                                                          R4,45
 Point of sale (POS)                                                               R3,95
 Absa-supported ATM                                                                R7,20
 Saswitch ATM/Post Office terminal                                                 R7,20
 Overseas ATM/POS (1) (5)                                                          R50,00
 Purchases
 Prepaid top-up at Absa ATM, POS, Internet, Cellphone, Telephone (IVR)             R1,05
 POS – local                                                                       No charge
 POS – overseas(5)                                                                 R45,00
 Account payments and funds transfers
 Account payments
 • Absa ATM, Internet, Cellphone, Telephone (IVR)                                  R7,50
 • Branch counter                                                                  R40,00
 • Telephone Adviser-assisted                                                      R14,50
 Immediate interbank payment
 • Internet, Cellphone, Telephone (IVR)                                            R11,00 + R1,30/R100 (max. R65)
 • Telephone Adviser-assisted                                                      R18,00 + R1,30/R100 (max. R65)




Page 16 | Pricing Guide                                                                                         Back to contents page
Mega U
  Account payments and funds transfers
  Debit and stop orders
  • Internal debit orders                               No charge
  • External debit orders                               R8,00
  • Stop orders                                         No charge
  Funds transfers
  • Absa ATM, Internet, Cellphone, Telephone (IVR)      No charge
  • Branch counter                                      R40,00
  • Telephone Adviser-assisted                          R7,00
  CashSend
  • Absa ATM                                            R7,99
  • Internet, Cellphone                                 R7,90 + R1,30/R100
  Balance enquiries
  Branch counter                                        R3,35
  Absa ATM                                              No charge
  POS                                                   R1,00
  Absa-supported ATM                                    R3,35
  Saswitch ATM/Post Office terminal                     R4,00
  Overseas ATM/POS                                      R4,00
  Internet, Cellphone, Telephone (IVR)                  No charge
  Telephone Adviser-assisted                            R3,35
  Statement fees
  Absa ATM ministatement                                R2,00
  Absa CAT terminal full statement                      R8,00
  Full statement: Branch counter                        R16,00
  Mailed statement                                      R16,00
  eStatement(2)                                         No charge
  Transaction history
  • Enquiry – Internet, Cellphone, Telephone (IVR)(3)   No charge
  • Enquiry – Telephone Adviser-assisted(3)             R16,00
  Archived statements/Tax certificate – Internet        R5,50 per statement
  Copies of statements (per statement)
  • Less than 4 months old                              R16,00
  • 4 months or older                                   R40,00
  Administration fees
  Bank cheque                                           R80,00
  Stop payments
  • Branch, Internet, Telephone Adviser-assisted        R30,00
  Stop order establishment/amendment fee
  • Branch, Internet, Telephone Adviser-assisted        No charge
  Special clearance                                     R80,00
  Debit Card replacement fee                            R80,00




Page 17 | Pricing Guide                                                       Back to contents page
Mega U
 Other fees
 Notification fee (SMS or email)                                                                          No charge
 Dishonoured/returned payment                                                                             R5,00
 Notice of payment (Internet, Cellphone, Telephone)
 • SMS | Email | Fax                                                                                      R0,80 | R0,80 | R6,50
 Internet Banking notifications (includes RVN, TVN, logon alert)
 • SMS | Email                                                                                            No charge
 Declined fee (insufficient funds)(4)                                                                     R5,00
 Returned cheque deposit                                                                                  R80,00

Notes:
1. Cash withdrawals performed at Global Alliance partners: R35,00.
2. Customers can register for eStatements by logging on to Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’,
   or via Telephone Banking or by sending their request to officialemail@absa.co.za
3. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax.
4. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS.
5. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa.




Page 18 | Pricing Guide                                                                                                                    Back to contents page
Student Banking
Student Silver
A Student Silver Current Account is the most cost-effective                       EasyFee
way to bank while you are a student. For as little as R17,50 a                    The default pricing option on Student Silver is the EasyFee
month, all your day-to-day banking needs are taken care of.                       pricing option. With this option you can perform an unlimited
A Student Silver Account provides you with unlimited access                       number of selected transactions through our self-service
to Internet and Cellphone Banking as well as our ATM                              channels for a fixed fee of R17,50 a month.
network, providing you with convenient and affordable
access to your finances wherever you are.


 Student Silver
 EasyFee option                    Monthly fee                       Number of transactions included               Fee per transaction thereafter
 Option 1                          R17,50                            Unlimited                                     N/A

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

Transactions catered for in EasyFee
The monthly fee includes any combination of the following day-to-day transactions performed on any electronic channel
(Absa ATM, Internet/Cellphone/Telephone Banking (IVR)):
• Absa ATM cash withdrawals
• Absa ATM cash deposits(2)
• Absa ATM balance enquiries and ministatements
• CashSend at an Absa ATM
• Electronic funds transfers
• Account payments
• Point-of-sale purchases and cash withdrawals (local)
• Debit orders and stop orders.

All other transactions not included in the above list (e.g. Saswitch transactions, branch counter transactions) will be charged for at the standard fee
as reflected on the Pay-as-you-transact pricing table on page 45. For Student Silver, monthly mailed statements and eStatements(1) are free of charge.

Note
1. Customers can register for eStatements by logging onto Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’, or via
   Telephone Banking or by sending their request to officialemail@absa.co.za
2. Excludes Cardless cash deposits




Page 19 | Pricing Guide                                                                                                                       Back to contents page
Seniors Banking
Flexi Account
Seniors offering


 Flexi Account (Seniors)
 Pricing options
 Seniors Rebate Banking(1) minimum balance                               R5 000
 Monthly fees
 Monthly administration fee                                              R15,00
 Monthly subscription fees – Internet, Cellphone, Telephone Banking      No charge
 Deposits
 Cheque deposit: Branch counter                                          R16,00
 Cheque deposit: Absa ATM                                                No charge
 Cash deposit: Branch counter                                            R7,00 + R1,45/R100
 Cash deposit: Absa ATM                                                  R3,00 + R1,30/R100
 Cardless cash deposit: Cash acceptor                                    R5,25 + R1,45/R100
 Cash withdrawals
 Branch counter                                                          R40,00 + R1,50/R100
 Absa ATM                                                                R3,95 + R1,30/R100
 Point of sale (POS)                                                     R3,95
 Absa-supported ATM                                                      R6,95 + R1,30/R100
 Saswitch ATM/Post Office terminal                                       R9,95 + R1,30/R100
 Overseas ATM/POS (2) (6)                                                R50,00
 Purchases
 Prepaid top-up at Absa ATM, POS, Internet, Cellphone, Telephone (IVR)   R1,05
 POS – local                                                             R2,65
 POS – overseas(6)                                                       R9,75 + R0,75/R100 (max. R45)
 Account payments and funds transfers
 Account payments
 • Absa ATM                                                              R7,50
 • Internet, Cellphone, Telephone (IVR)                                  R7,50
 • Branch counter                                                        R40,00
 • Telephone Adviser-assisted                                            R14,50
 Immediate interbank payment
 • Internet, Cellphone, Telephone (IVR)                                  R11,00 + R1,30/R100 (max. R65)
 • Telephone Adviser-assisted                                            R18,00 + R1,30/R100 (max. R65)
 Debit and stop orders
 • Internal debit orders                                                 No charge
 • External debit orders                                                 R8,00
 • Stop orders                                                           No charge




Page 20 | Pricing Guide                                                                            Back to contents page
Flexi Account (Seniors)
 Account payments and funds transfers
 Funds transfers
 • Absa ATM                                            No charge
 • Internet, Cellphone, Telephone (IVR)                No charge
 • Branch counter                                      R40,00
 • Telephone Adviser-assisted                          R7,00
 CashSend
 • Absa ATM                                            R7,90 + R1,30/R100
 • Internet, Cellphone                                 R7,90 + R1,30/R100
 Balance enquiries
 Branch counter                                        R3,35
 Absa ATM                                              R1,50
 POS                                                   R1,00
 Absa-supported ATM                                    R3,35
 Saswitch ATM/Post Office terminal                     R4,00
 Overseas ATM/POS                                      R4,00
 Internet, Cellphone, Telephone (IVR)                  No charge
 Telephone Adviser-assisted                            R3,35
 Statement fees
 Absa ATM ministatement                                R4,00
 Absa CAT terminal full statement                      R8,00
 Full statement: Branch counter                        R16,00
 Mailed statement                                      R16,00
 eStatement(3)                                         No charge
 Transaction history
 • Enquiry – Internet, Cellphone, Telephone (IVR)(4)   No charge
 • Enquiry – Telephone Adviser-assisted(4)             R16,00
 Archived statements/Tax certificate – Internet        R5,50 per statement
 Copies of statements (per statement)
 • Less than 4 months old                              R16,00
 • 4 months or older                                   R40,00
 Administration fees
 Bank cheque                                           R80,00
 Stop payments
 • Branch, Internet, Telephone Adviser-assisted        R30,00
 Stop order establishment/amendment fee
 • Branch, Internet, Telephone Adviser-assisted        No charge
 Special clearance                                     R80,00
 Debit Card replacement fee                            R80,00




Page 21 | Pricing Guide                                                      Back to contents page
Flexi Account (Seniors)
 Other fees
 Notification fee (SMS or email)                                                                          R0,55
 Dishonoured/returned payment                                                                             R5,00
 Notice of payment (Internet, Cellphone, Telephone)
 • SMS | Email | Fax                                                                                      R0,80 | R0,80 | R6,50
 Internet Banking notifications (includes RVN, TVN, logon alert)
 • SMS | Email                                                                                            No charge
 Declined fee (insufficient funds)(5)                                                                     R5,00
 Returned cheque deposit                                                                                  R80,00

Notes:
1. Fees shaded indicate that no charge will be levied on this transaction when the minimum monthly account balance of R5 000 is maintained throughout
   the month. This option is only available to our senior customers (aged 55 or over).
2. Cash withdrawals performed at Global Alliance partners: R35,00.
3. Customers can register for eStatements by logging on to Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’,
   or via Telephone Banking or by sending their request to officialemail@absa.co.za
4. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax.
5. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS.
6. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa.




Page 22 | Pricing Guide                                                                                                                    Back to contents page
Prosperity
The Prosperity Account is one of the most affordable ways                         Tip: With the Rebate option you pay no banking fees on
to bank if you are 55 years and older and earn more than                          certain transactions if you maintain a set minimum balance
R2 000 a month. If you can afford to invest R15 000 or more                       in your investment account. All other transactions not
you have access to the Prosperity Rebate Banking option,                          included under Rebate Banking will be charged at the standard
where you receive up to R500,00 a month of daily banking                          Pay-as-you-transact fee pricing as per the pricing table
transactions free of charge. As a Prosperity customer, you also                   on page 45.
qualify for additional interest rate benefits on a selection
of our investment accounts.


 Rebate Banking
 Minimum monthly account balance                                                                               N/A
 Maximum rebate amount                                                                                         R500,00
 No minimum balance is needed to be maintained in the account. However, one of the
 following investments must be maintained with Absa to qualify for rebates:
 • 12-month (or longer) fixed deposit                                                                          R15 000
 • 12- to 18-month bonus deposit                                                                               R15 000
 • Linked Rate deposit                                                                                         R15 000
 • MoneyBuilder                                                                                                R15 000
 • Money Market Fund                                                                                           R20 000
 • Investment Advantage                                                                                        R20 000
 • Depositor Plus                                                                                              R20 000
 • TruSave                                                                                                     R15 000
 • Notice Select                                                                                               R20 000
 • Tax-free Savings                                                                                            R20 000
In addition to rebates on the Current Account, Prosperity customers will benefit from a concession on most transactional charges on Internet, Telephone
and Cellphone Banking. Charges will be levied for immediate interbank payments, notice of payments or reminders, archived statements, CashSend and
tax certificates.


 Transactions exempt with Rebate Banking
 Transaction types
 Monthly fees                                                                       Purchases
 Monthly account fee                                                                Prepaid top-up:
 Deposits                                                                           Absa ATM/POS
 Cheque deposit: Branch counter/Absa ATM                                            POS – local
 Cash deposit: Branch counter/Absa ATM                                              Funds transfers
 Cash withdrawals                                                                   Branch counter
 Branch counter                                                                     Absa ATM
 Absa ATM                                                                           Balance enquiries
 Point of sale (POS) – local                                                        Absa ATM
 Account payments                                                                   Statement fees
 • Absa ATM                                                                         Absa ATM ministatement
 • Branch counter                                                                   Other fees
 Debit orders and stop orders                                                       Notification fee (SMS or email)
 • Internal debit orders                                                            Cheque encashment
 • External debit orders                                                            Cheques issued
 • Stop orders                                                                      Chequebooks (20, 30, carbon, 40)

All other transactions not included in the above list (e.g. Saswitch transactions) will be charged at Pay-as-you-transact fees as applied on Current Accounts
as per pricing table on page 45.



Page 23 | Pricing Guide                                                                                                                        Back to contents page
Islamic Banking
Islamic Youth
An Islamic Youth Account is the ideal account to get you        With this account you have the benefit of free Debit Card
started with a bank account. You need to be younger             purchases, free SMS and email notifications, free Absa ATM
than 18 years of age to qualify.                                balance enquiries and no monthly fee. Youth customers who
                                                                bank smartly can bank free of charge.


 Islamic Youth
 Monthly fees
 Monthly administration fee                                                       No charge
 Monthly subscription fees – Internet, Cellphone, Telephone Banking               No charge
 Deposits
 Cheque deposit: Branch counter                                                   R16,00
 Cheque deposit: Absa ATM                                                         No charge
 Cash deposit: Branch counter                                                     No charge if deposit is less than R500.
                                                                                  R7,00 + R1,45/R100 of full deposit if
                                                                                  deposit is greater than or equal to R500.
 Cash deposit: Absa ATM                                                           First R500 at no charge,
                                                                                  thereafter R1,30 per R100
 Cardless cash deposit: Cash acceptor                                             First R500 at no charge,
                                                                                  thereafter R1,45 per R100
 Cash withdrawals
 Branch counter                                                                   R40,00 + R1,50/R100
 Absa ATM                                                                         R4,45
 Point of sale (POS)                                                              R3,95
 Absa-supported ATM                                                               R7,20
 Saswitch ATM/Post Office terminal                                                R7,20
 Overseas ATM/POS (1) (5)                                                         R50,00
 Purchases
 Prepaid top-up at Absa ATM, POS, Internet, Cellphone, Telephone (IVR)            R1,05
 POS – local                                                                      No charge
 POS – overseas(5)                                                                R45,00
 Account payments and funds transfers
 Account payments
 • Absa ATM, Internet, Cellphone, Telephone (IVR)                                 R7,50
 • Branch counter                                                                 R40,00
 • Telephone Adviser-assisted                                                     R14,50
 Immediate interbank payment
 • Internet, Cellphone, Telephone (IVR)                                           R11,00 + R1,30/R100 (max. R65)
 • Telephone Adviser-assisted                                                     R18,00 + R1,30/R100 (max. R65)




Page 24 | Pricing Guide                                                                                        Back to contents page
Islamic Youth
 Account payments and funds transfers
 Debit and stop orders
 • Internal debit orders                               No charge
 • External debit orders                               R8,00
 • Stop orders                                         No charge
 Funds transfers
 • Absa ATM, Internet, Cellphone, Telephone (IVR)      No charge
 • Branch counter                                      R40,00
 • Telephone Adviser-assisted                          R7,00
 CashSend
 • Absa ATM                                            R7,99
 • Internet, Cellphone                                 R7,90 + R1,30/R100
 Balance enquiries
 Branch counter                                        R3,35
 Absa ATM                                              No charge
 POS                                                   R1,00
 Absa-supported ATM                                    R3,35
 Saswitch ATM/Post Office terminal                     R4,00
 Overseas ATM/POS                                      R4,00
 Internet, Cellphone, Telephone (IVR)                  No charge
 Telephone Adviser-assisted                            R3,35
 Statement fees
 Absa ATM ministatement                                R2,00
 Absa CAT terminal full statement                      R8,00
 Full statement: Branch counter                        R16,00
 Mailed statement                                      R16,00
 eStatement(2)                                         No charge
 Transaction history
 • Enquiry – Internet, Cellphone, Telephone (IVR)(3)   No charge
 • Enquiry – Telephone Adviser-assisted(3)             R16,00
 Archived statements/Tax certificate – Internet        R5,50 per statement
 Copies of statements (per statement)
 • Less than 4 months old                              R16,00
 • 4 months or older                                   R40,00
 Administration fees
 Bank cheque                                           R80,00
 Stop payments
 • Branch, Internet, Telephone Adviser-assisted        R30,00
 Stop order establishment/amendment fee
 • Branch, Internet, Telephone Adviser-assisted        No charge
 Special clearance                                     R80,00
 Debit Card replacement fee                            R80,00




Page 25 | Pricing Guide                                                      Back to contents page
Islamic Youth
 Other fees
 Notification fee (SMS or email)                                                                          No charge
 Dishonoured/returned payment                                                                             R5,00
 Notice of payment (Internet, Cellphone, Telephone)
 • SMS | Email | Fax                                                                                      R0,80 | R0,80 | R6,50
 Internet Banking notifications (includes RVN, TVN, logon alert)
 • SMS | Email                                                                                            No charge
 Declined fee (insufficient funds)(4)                                                                     R5,00
 Returned cheque deposit                                                                                  R80,00

Notes:
1. Cash withdrawals performed at Global Alliance partners: R35,00.
2. Customers can register for eStatements by logging on to Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’,
   or via Telephone Banking or by sending their request to officialemail@absa.co.za
3. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax.
4. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS.
5. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa.




Page 26 | Pricing Guide                                                                                                                    Back to contents page
Islamic Savings
This is a Shari’ah-compliant transactional savings account that   You can do all types of electronic payments and transfer
provides you with a pre-agreed profit share payout and a card     transactions, and if you have R15 000 or more in your account,
that you can use to access your funds at any time via ATMs        certain transaction fees will be waived. A minimum initial
or Absa branches. There is no minimum or maximum                  deposit of R50,00 is required to open the account and
investment period.                                                a minimum balance of R50,00 must be maintained.


 Islamic Savings
 Pricing options
 Standard fee                                                                        √
 Rebate Banking(1) minimum balance                                                   R15 000
 Monthly fees
 Monthly administration fee                                                          R18,00
 Monthly subscription fees – Internet, Cellphone, Telephone Banking                  No charge
 Deposits
 Cheque deposit: Branch counter                                                      R16,00
 Cheque deposit: Absa ATM                                                            No charge
 Cash deposit: Branch counter                                                        R7,00 + R1,45/R100
 Cash deposit: Absa ATM                                                              R3,00 + R1,30/R100
 Cardless cash deposit: Cash acceptor                                                R5,25 + R1,45/R100
 Cash withdrawals
 Branch counter                                                                      R40,00 + R1,50/R100 (max. R750)
 Absa ATM                                                                            R3,95 + R1,30/R100
 Point of sale (POS)                                                                 R3,95
 Absa-supported ATM                                                                  R6,95 + R1,30/R100
 Saswitch ATM/Post Office terminal                                                   R9,95 + R1,30/R100
 Overseas ATM/POS(2) (6)                                                             R50,00
 Purchases
 Prepaid top-up at Absa ATM, POS, Internet, Cellphone, Telephone (IVR)               R1,05
 POS – local                                                                         R3,85
 POS – overseas(6)                                                                   R9,75 + R0,75/R100 (max. R45)
 Account payments and funds transfers
 Account payments
 • Absa ATM                                                                          R7,50
 • Internet, Cellphone, Telephone (IVR)                                              R7,50
 • Branch counter                                                                    R40,00
 • Telephone Adviser-assisted                                                        R14,50
 Immediate interbank payments
 • Internet, Cellphone, Telephone (IVR)                                              R11,00 + R1,30/R100 (max. R65)
 • Telephone Adviser-assisted                                                        R18,00 + R1,30/R100 (max. R65)
 Debit and stop orders
 • Internal debit orders                                                             No charge
 • External debit orders                                                             R8,00
 • Stop orders                                                                       No charge




Page 27 | Pricing Guide                                                                                           Back to contents page
Islamic Savings
 Account payments and funds transfers
 Funds transfers
 • Absa ATM                                            No charge
 • Internet, Cellphone, Telephone (IVR)                No charge
 • Branch counter                                      R40,00
 • Telephone Adviser-assisted                          R7,00
 CashSend
 • Absa ATM                                            R7,90 + R1,30/R100
 • Internet, Cellphone                                 R7,90 + R1,30/R100
 Balance enquiries
 Branch counter                                        R3,35
 Absa ATM                                              R1,50
 POS                                                   R1,00
 Absa-supported ATM                                    R3,35
 Saswitch ATM/Post Office terminal                     R4,00
 Overseas ATM/POS                                      R4,00
 Internet, Cellphone, Telephone (IVR)                  No charge
 Telephone Adviser-assisted                            R3,35
 Statement fees
 Absa ATM ministatement                                R4,00
 Absa CAT terminal full statement                      R8,00
 Full statement: Branch counter                        R16,00
 Mailed statement                                      R16,00
 eStatement(3)                                         No charge
 Transaction history
 • Enquiry – Internet, Cellphone, Telephone (IVR)(4)   No charge
 • Enquiry – Telephone Adviser-assisted(4)             R16,00
 Archived statements/Tax certificate – Internet        R5,50 per statement
 Copies of statements (per statement)
 • Less than 4 months old                              R16,00
 • 4 months or older                                   R40,00
 Administration fees
 Bank cheque                                           R80,00
 Stop payments
 • Branch, Internet, Telephone Adviser-assisted        R30,00
 Stop order establishment/Amendment fee
 • Branch, Internet, Telephone Adviser-assisted        No charge
 Special clearance                                     R80,00
 Debit Card replacement fee                            R80,00




Page 28 | Pricing Guide                                                      Back to contents page
Islamic Savings
 Other fees
 Notification fee (SMS or email)                                                                          R0,55
 Dishonoured/Returned payment                                                                             R5,00
 Notice of payment (Internet, Cellphone, Telephone)
 • SMS | Email | Fax                                                                                      R0,80 | R0,80 | R6,50
 Internet Banking notifications (includes RVN, TVN, logon alert)
 • SMS | Email                                                                                            No charge
 Declined fee (insufficient funds)(5)                                                                     R5,00
 Returned cheque deposit                                                                                  R80,00

Notes:
1. Fees shaded indicate that no charge will be levied on this transaction when the minimum monthly account balance of R15 000 is maintained
   throughout the month.
2. Cash withdrawals performed at Global Alliance partners: R35,00.
3. Customers can register for eStatements by logging on to Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’,
   or via Telephone Banking or by sending their request to officialemail@absa.co.za
4. An additional fee of R2,00 is applicable if request is emailed or R6,50 for fax.
5. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS.
6. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa.




Page 29 | Pricing Guide                                                                                                                    Back to contents page
Islamic Current Account
Value Bundles
This is a Shari’ah-compliant cheque product based on            option we offer you a selection of transactions for a low
a Qardh structure, and offers a transactional account vehicle   monthly fee. When you’ve used all the transactions in your
that allows you to have an affordable Flexi, Gold or Platinum   bundle, you will only pay standard fees per transaction
Value Bundle pricing option. Bank from as little as R49,00      as per the Pay-as-you-transact pricing table on page 45.
a month with a Value Bundle. With the Value Bundle pricing



                                                Flexi                   Gold                       Platinum
                                                Value Bundle            Value Bundle               Value Bundle
 Monthly fees
 Monthly service fees                            R49,00                  R98,00                     R149,00
 Discounted monthly service fee:
 • For maintaining a balance of:
   - more than R10 000 = 10% discount; or        N/A                     R88,20                     R134,10
   - more than R20 000 = 20% discount; or        N/A                     R78,40                     R119,20
   - more than R30 000 = 30% discount            N/A                     R68,60                     R104,30
 Monthly subscription fees – Internet,           No charge               No charge                  No charge
 Cellphone, Telephone Banking
 Priority Pass monthly fee (optional)(1)         N/A                     N/A                        R59,00
 Transactions included
 Absa ATM cash deposits                          N/A                     5                          5
 • Cash deposit: Absa ATM
 • Cash deposit: Cash acceptor
 • Cardless cash deposit: Cash acceptor
 Absa ATM cash withdrawals                       3                       5                          7
 • Cash withdrawals Absa ATM
 Debit Card purchases and withdrawals            8                       Unlimited                  Unlimited
 • Debit and Cheque Card purchases
 • Point-of-sale (POS) cash withdrawals
 Electronic account and beneficiary payments     11                      Unlimited                  Unlimited
 • Account payments via Absa ATM, Internet,
   Cellphone, Telephone (IVR)
 • External debit orders
 Funds transfers and internal payments           Unlimited               Unlimited                  Unlimited
 • Funds transfers via Absa ATM, Internet,
   Cellphone, Telephone (IVR)
 • Internal debit orders
 • Stop orders
 Electronic information enquiries                Unlimited               Unlimited                  Unlimited
 • Statement – Absa ATM, Internet and
   Telephone (IVR)
 • Balance enquiries – Absa ATM, POS,
   Internet, Cellphone and Telephone (IVR)
 Notification fee (SMS or email)                 No charge               No charge                  No charge
 eStatement(2)                                   No charge               No charge                  No charge
 Roll-over of unused transactions(3)             N/A                     1 month                    1 month




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Flexi Value Bundle                 Gold Value Bundle                 Platinum Value
                                                                                                                                   Bundle
 Cross-product benefits
 Cash back for your Credit Card*                              N/A                                R19,00                            R41,00
 Cash back for your Home Loan(4)*                             N/A                                R15,00                            R20,00
 Cash back for your Vehicle Finance                           N/A                                R5,00                             R5,00
 Additional features
 Spouse discount on monthly service fees                      N/A                                50%                               50%
 Lump sum Takaful benefit                                     R3 000                             R15 000                           R20 000

All other transactions not included in the above list or transactions done in excess of specific limits, will be charged at Pay-as-you-transact fees as applied
on the Gold/Platinum Current account as per pricing table on page 45.


Notes:                                                                              Notes:
1. The first five visits per annum via Priority Pass are included in the monthly    The following Internet, Cellphone and Telephone Banking transactions
   fee. Visits in excess of five will be charged at $33,00 per visit                will generate a separate fee (in addition to the monthly service fee)
   at the exchange rate on the day of billing.                                      on Value Bundles:
                                                                                    • Archived statements
   Visit www.prioritypass.com for information on participating lounges.
                                                                                    • Immediate interbank payments
   Please remember to keep a personal record of your visits, so you know
                                                                                    • Notice of payments (fax, email and SMS)
   when your free visits have been used as statements are not provided.
                                                                                    • CashSend
   A fee of R80,00 will apply to Priority Pass card replacements. Priority Pass
                                                                                    • Tax certificates
   is for international and domestic lounge access.
                                                                                    • Stop payments of cheques and debit orders.
2. Customers can register for eStatements by logging on to Internet Banking
   and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’,
   or via Telephone Banking or by sending their request
   to officialemail@absa.co.za
3. Unused transactions for the current month will be added to the
   next month’s transaction limits (i.e. a Gold Value Bundle customer
   who only uses 2 ATM withdrawals will have 8 ATM transactions
   in the folllowing month).
4. Joint Home Loans and Home Loans under the Usury Act are excluded.*
* Not Shariah-compliant.




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Savings and Investments
TruSave, Depositor Plus, Club Account,
Money Market Fund
Start saving for your future now with our range of savings and    online without going into a branch. Keep your hard-earned
investment accounts. Absa Internet Banking customers can          savings in a savings or investment account to ensure you
conveniently open a range of savings and investment accounts      maximise your returns and keep control of your savings goals.

                                                TruSave                    Depositor Plus              Club Account
 Monthly fees
 Monthly administration fee                     No charge                  No charge                   No charge
 Deposits
 Cheque deposit: Branch counter                 R16,00                     R16,00                      R16,00
 Cheque deposit: Absa ATM                       No charge                  No charge                   N/A
 Cash deposit: Branch counter                   R7,00 + R1,45/R100         R7,00 + R1,45/R100          R7,00 + R1,45/R100
 Cash deposit: Absa ATM                         R3,00 + R1,30/R100         R3,00 + R1,30/R100          N/A
                                                (first 4 ATM cash
                                                deposits free pm)
 Cardless cash deposit: Cash acceptor           R5,25 + R1,45/R100         R5,25 + R1,45/R100          R5,25 + R1,45/R100
 Cash withdrawals
 Branch counter                                 R40,00 + R1,50/R100        R40,00 + R1,50/R100         R40,00 + R1,50/R100
                                                (max. R750)                (max. R750)                 (max. R750)
 Absa ATM                                       R6,95 + R1,30/R100         R3,95 + R1,30/R100          N/A
                                                (first 2 free pa)
 Absa-supported ATM                             R9,95 + R1,30/R100         R6,95 + R1,30/R100          N/A
 Saswitch ATM                                   R12,95 + R1,30/R100        R9,95 + R1,30/R100          N/A
 Overseas ATM(1) (4)                            R50,00                     R50,00                      N/A
 Account payments and funds transfers
  Account payments
 • Absa ATM                                     N/A                        N/A                         N/A
 • Branch counter                               N/A                        N/A                         R40,00
 Debit and stop orders
 • Internal debit orders                        N/A                        N/A                         No charge
 • External debit orders                        N/A                        N/A                         R8,00
 • Stop orders                                  N/A                        N/A                         No charge
 Funds transfers
 • Absa ATM                                     No charge                  No charge                   N/A
 • Branch counter                               R40,00                     R40,00                      R40,00
 Balance enquiries
 Branch counter                                 R3,35                      R3,35                       R3,35
 Absa ATM                                       R1,50 (first 2 free pm)    R1,50                       N/A
 Absa-supported ATM                             R3,35                      R3,35                       N/A
 Saswitch ATM                                   R4,00                      R4,00                       N/A
 Statement fees
 Branch counter full statement                  R16,00                     R16,00                      R16,00
 Absa ATM ministatement                         R4,00 (first 2 free pm)    R4,00                       N/A
 Absa CAT terminal full statement               R8,00                      R8,00                       N/A
 Mailed statement                               R16,00                     No charge                   R16,00
 eStatement(2)                                  No charge                  No charge                   No charge




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TruSave                           Depositor Plus                    Club Account
 Administration fees
 Bank cheque                                                R80,00                            R80,00                            R80,00
 Stop payment instruction                                   R30,00                            R30,00                            R30,00
 Special clearance                                          N/A                               N/A                               R80,00
 Debit Card replacement fee                                 N/A                               N/A                               N/A
 Other fees
 Notification fee (SMS or email)                            R0,55                             No charge                         No charge
 Dishonoured/returned payment(3)                            N/A                               N/A                               R36,00
 Declined fee (insufficient funds)
 • Absa ATM                                                 R5,00                             R5,00                             N/A
 • Absa-supported ATM                                       R5,00                             R5,00                             N/A
 • Saswitch ATM                                             R5,00                             R5,00                             N/A
 • POS                                                      N/A                               N/A                               N/A
 Returned cheque deposit                                    R80,00                            R80,00                            R80,00

Notes:
1. Cash withdrawals performed at Global Alliance partners: R35,00.
2. Customers can register for eStatements by logging on to Internet Banking and clicking on the ‘Portfolio’ menu bar and then on ‘eStatements’,
   or via Telephone Banking or by sending their request to officialemail@absa.co.za
3. Increasing to R50,00 per transaction from the 4th occurrence within 12 months.
4. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa.




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Tax-Free Savings
The Tax-Free Savings Account is a smart way to save, with   per tax year, with a maximum lifetime contribution limit
immediate access to your money. Your interest return is     of R500 000.
protected from tax. Contribute up to a maximum of R30 000

 Tax-Free Savings
 Monthly fees
 Monthly administration fee                                                     No charge
 Deposits
 Cheque deposit: Branch counter                                                 R16,00
 Cheque deposit: Absa ATM                                                       No charge
 Cash deposit: Branch counter                                                   R7,00 + R1,45/R100
 Cash deposit: Absa ATM                                                         R3,00 + R1,30/R100
 Cardless cash deposit: Cash acceptor                                           R5,25 + R1,45/R100
 Cash withdrawals
 Branch counter                                                                 R40,00 + R1,50/R100 (max. R750)
 Absa ATM                                                                       N/A
 Absa-supported ATM                                                             N/A
 Saswitch ATM                                                                   N/A
 Overseas ATM                                                                   N/A
 Account payments and funds transfers
  Account payments
 • Absa ATM                                                                     N/A
 • Branch counter                                                               N/A
 Debit and stop orders
 • Internal debit orders                                                        N/A
 • External debit orders                                                        N/A
 • Stop orders                                                                  N/A
 Funds transfers
 • Absa ATM                                                                     No charge
 • Branch counter                                                               R40,00
 Balance enquiries
 Branch counter                                                                 R3,35
 Absa ATM                                                                       R1,50
 Absa-supported ATM                                                             R3,35
 Saswitch ATM                                                                   R4,00
 Statement fees
 Branch counter full statement                                                  R16,00
 Absa ATM ministatement                                                         R4,00
 Absa CAT terminal full statement                                               R8,00
 Mailed statement                                                               No charge
 eStatement(1)                                                                  No charge
 Administration fees
 Bank cheque                                                                    R80,00
 Stop payment instruction                                                       N/A
 Special clearance                                                              N/A
 Debit Card replacement fee                                                     N/A




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Tax Free Savings
 Other fees
 Notification fee (SMS or email)                                                                         No charge
 Dishonoured/returned payment                                                                            N/A
 Declined fee (insufficient funds)                                                                       N/A
 Returned cheque deposit                                                                                 R80,00

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




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Money Market Fund
 Monthly fees
 Monthly administration fee                                  No charge
 Commission
 All credits into account except for counter cash deposits   0,40%
 Deposits
 Cheque deposit: Branch counter                              Commission applicable
 Cheque deposit: Absa ATM                                    Commission applicable
 Cash deposit: Branch counter                                R7,00 + R1,45/R100
 Cash deposit: Absa ATM                                      Commission applicable
 Cardless cash deposit: Cash acceptor                        Commission applicable
 Cash withdrawals
 Branch counter(1)                                           R40,00 + R1,50/R100 (max. R750)
 Absa ATM(1)                                                 R3,95 + R1,30/R100
 Absa-supported ATM                                          R6,95 + R1,30/R100
 Saswitch ATM                                                R9,95 + R1,30/R100
 Overseas ATM(2) (5)                                         R50,00
 Account payments and funds transfers
 Account payments
 • Absa ATM                                                  N/A
 • Branch counter                                            N/A
 Debit and stop orders
 • Internal debit orders                                     N/A
 • External debit orders                                     N/A
 • Stop orders                                               N/A
 Funds transfers
 • Absa ATM                                                  No charge
 • Branch counter                                            No charge
 Balance enquiries
 Branch counter                                              No charge
 Absa ATM                                                    No charge
 Absa-supported ATM                                          R3,35
 Saswitch ATM                                                R4,00
 Statement fees
 Branch counter full statement                               No charge
 Absa ATM ministatement                                      No charge
 Absa CAT terminal full statement                            No charge
 Mailed statement                                            No charge
 eStatement(3)                                               No charge
 Administration fees
 Bank cheque(1)                                              R80,00
 Stop payment instruction                                    R30,00
 Special clearance                                           No charge
 Debit Card replacement fee                                  R80,00




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