Retail Banking

2019 Pricing

1
Contents
Basic banking 4

• Transact

Daily banking 6

• Flexi Account

• Flexi Value Bundle

Full-value banking 10

• Gold PAYT/Premium PAYT

• Out of Bundle Fees – Flexi Value Bundle, Gold Value Bundle, Premium Banking,
Student Silver, Prosperity, Gold Graduate and Islamic Value Bundle

• Gold Value Bundle/Premium Banking

Youth banking 15

• MegaU

Student banking 17

• Student Silver

• Gold Graduate

Seniors banking 19

• Prosperity

Islamic banking 21

• Islamic Youth

• Islamic Savings

• Islamic Current Account – Value Bundles

Savings and investments 29

• TruSave/Depositor Plus/Cash Invest Tracker/Club Account/Travel Club/

Investment Club/Grocery Stokvel

• Tax-free Savings

• Money Market Fund

• Call Account

• Investor Plus, Notice Select, Future Plan, TargetSave and Islamic TargetSave

2
Contents
Credit cards 37

• Student, Transact, Silver Affinities, Gold+ Affinities and Premium

Home loans 39

International banking 40

Other offerings 42

• Safe custody

• Mobile Banking Lite

• Sling Account

Frequently asked questions 43

3
Basic banking
Transact*
Monthly fees
Monthly administration fee R5,30
Monthly subscription fees – Online, Mobile, Telephone Banking No charge
Deposits
Cheque deposit: Branch counter R50,00
Cheque deposit: Absa ATM No charge
Cash deposit: Branch counter R9,00 + R2,22/R100
Cash deposit: Absa ATM R4,50 + R1,50/R100
Cardless cash deposit: Cash acceptor R6,50 + R1,50/R100
Cash withdrawals
Branch counter R65,00 + R1,80/R100
Absa ATM R6,50
Point of sale (POS) R1,60
Absa-supported ATM R6,50
Saswitch ATM/Post Office terminal R10,50 + R1,50/R100
Overseas ATM/POS R65,00
Purchases
Prepaid top-up at Absa ATM, POS, Online, Mobile, Telephone (IVR) R1,50
Prepaid top-up at Absa-supported ATM R4,50
Prepaid top-up at Saswitch ATM R7,50
POS – local/overseas (1)
No charge
Account payments and funds transfers
Account payments
• Branch counter R65,00
• Absa ATM R3,80
• Online/Mobile R2,50
• Telephone (IVR) R9,00
• Telephone adviser-assisted R16,00
Immediate interbank payments
• Online, Mobile, Telephone (IVR) R65,00
• Telephone adviser-assisted R72,00
Account verification
• Online R6,25
• Branch R20,00
Debit and stop orders
• Internal debit orders No charge
• External debit orders R3,80
• Stop orders No charge
Funds transfers
• Absa ATM, Online, Mobile, Telephone (IVR) No charge
• Branch counter R65,00
• Telephone adviser-assisted R7,00
CashSend
• Absa ATM, Mobile, Online, Sling Pay R8,50

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Basic banking
Transact*
Balance enquiries
Branch counter No charge
Absa ATM/Absa-supported ATM/POS No charge
Saswitch ATM/Post Office terminal/Overseas ATM R7,50
Online, Mobile, Telephone (IVR) No charge
Telephone adviser-assisted R7,00
Statement fees
Absa ATM ministatement R7,50
Absa CAT terminal full statement R15,00
Branch counter full statement R30,00
Mailed statement R30,00
eStatement (2)
No charge
Stamped statements
• Online R7,50
• Absa ATM R15,00
Transaction history
• Enquiry – Online, Mobile, Telephone (IVR)(3) No charge
• Enquiry – Telephone adviser-assisted(3) R30,00
Archived statements/Tax certificate – Online R7,50 per statement
Copies of statements (per statement)
• Less than 4 months old R30,00
• 4 months or older R65,00
Administration fees
Bank cheque R150,00
Stop payments
• Branch, telephone adviser-assisted R65,00
• Online R30,00
Stop order establishment/amendment fee
• Branch, online, telephone adviser-assisted No charge
Special clearance R150,00
Debit card replacement fee R140,00
Debit card – Face-to-face delivery R175,00
Other fees
Notification fee (SMS or email) R0,60
Dishonoured/Returned payment R6,35
Notice of payment or reminders (Online, Mobile, Telephone)
• SMS | Email | Fax R1,25 | R1,25 | R12,00
Absa Online notifications (includes RVN, TVN, logon alert)
• SMS | Email No charge
Declined fee (insufficient funds)
• Absa ATM No charge
• Saswitch/POS/Absa-supported ATM/Overseas ATM/Post Office R6,35
Returned cheque deposit R6,35
Debit orders disputed
• Online before 40 days lapsed No charge
• In-branch before 40 days lapsed R30,00
• In-branch after 40 days lapsed R145,00

* Customers accounts that incur credits in access of R5 000 for three consecutive months, will be converted to a Flexi Account.

Notes:
1. Overseas includes, but is not limited to: Barclays ATM and Global alliance Partners. A currency conversion fee of 2,75% (of the rand value
of the transaction) applies to any transaction outside South Africa.
2. Customers can register for eStatements by logging onto Absa Online and clicking on the ‘Profile’ menu bar and then on ‘Manage
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 R12,00 for fax.

5
Daily banking
Flexi Account

Flexi Account
Pricing options
Seniors Rebate Banking minimum balance(1) R5 000
Monthly fees
Monthly administration fee R26,00
Monthly subscription fees – Online, Mobile, Telephone Banking No charge
Deposits
Cheque deposit: Branch counter R50,00
Cheque deposit: Absa ATM No charge
Cash deposit: Branch counter R45,00 +R1,65/R100
Cash deposit: Absa ATM R4,50 + R1,50/R100
Cardless cash deposit: Cash acceptor R6,50 + R1,50/R100
Cash withdrawals
Branch counter R65,00 + R1,80/R100
Absa ATM R4,50 + R1,50/R100
Point of sale (POS) R4,50
Absa-supported ATM R7,50 + R1,50/R100
Saswitch ATM/Post Office terminal R10,50 + R1,50/R100
Overseas ATM/POS(2) R65,00
Purchases
Prepaid top-up at Absa ATM, POS, Online, Mobile, Telephone (IVR) R1,50
Prepaid top-up at Absa-supported ATM R4,50
Prepaid top-up at Saswitch ATM R7,50
POS – local R4,00
POS – overseas (2)
R4,00

6
Daily banking
Flexi Account

Flexi Account
Account payments and funds transfers
Account payments
• Absa ATM R9,00
• Online, Mobile, Telephone (IVR) R9,00
• Branch counter R65,00
• Telephone adviser-assisted R16,00
Immediate interbank payments
• Online, Mobile, Telephone (IVR) R65,00
• Telephone adviser-assisted R72,00
Account verification
• Online R6,25
• Branch R20,00
Debit and stop orders
• Internal debit orders No charge
• External debit orders R9,00
• Stop orders No charge
Funds transfers
• Absa ATM No charge
• Online, Mobile, Telephone (IVR) No charge
• Branch counter R65,00
• Telephone adviser-assisted R7,00
CashSend
• Absa ATM R8,50 + R1,50/R100
• Online, Mobile, Sling Pay R8,50 + R1,50/R100
Balance enquiries
Branch counter No charge
Absa ATM No charge
POS No charge
Absa-supported ATM No charge
Saswitch ATM/Post Office terminal/Overseas ATM/POS R7,50
Online, Mobile, Telephone (IVR) No charge
Telephone adviser-assisted R7,00

7
Daily banking
Flexi Account

Flexi Account
Statement fees
Absa ATM ministatement R7,50
Absa CAT terminal full statement R15,00
Full statement: Branch counter R30,00
Mailed statement R30,00
eStatement(3) No charge
Stamped statements
• Online R7,50
• Absa ATM R15,00
Transaction history
• Enquiry – Online, Mobile, Telephone (IVR)(4) No charge
• Enquiry – Telephone adviser-assisted(4) R30,00
Archived statements/Tax certificate – Online R7,50 per statement
Copies of statements (per statement)
• Less than 4 months old R30,00
• 4 months or older R65,00
Administration fees
Bank cheque R150,00
Stop payments
• Branch, telephone adviser-assisted R65,00
• Online R30,00
Stop order establishment/amendment fee
• Branch, online, telephone adviser-assisted No charge
Special clearance R150,00
Debit card replacement fee R140,00
Debit card – Face-to-face delivery R175,00
Other fees
Notification fee (SMS or email) R0,60
Dishonoured/Returned payment R8,50
Notice of payment or reminders (Online, Mobile, Telephone)
• SMS | Email | Fax R1,25 | R1,25 | R12,00
Absa Online notifications (includes RVN, TVN, logon alert)
• SMS | Email No charge
Declined fee (insufficient funds)(5) R6,35
Returned cheque deposit R150,00
Debit orders disputed
• Online before 40 days lapsed No charge
• In-branch before 40 days lapsed R30,00
• In-branch after 40 days lapsed R145,00

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. Overseas includes, but is not limited to: Barclays ATM and Global Alliance Partners. A currency conversion fee of 2,75% (of the rand
value of the transaction) applies to any transaction outside South Africa.
3. Customers can register for eStatements by logging onto Absa Online and clicking on the ‘Profile’ menu bar and then on ‘Manage
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 R12,00 for fax.
5. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS.

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Daily banking
Flexi Value Bundle
With the Flexi Value Bundle, we offer you a selection of transactions for a low monthly fee of R65,00.

Flexi Value Bundle

Monthly fees
Monthly service fee R65,00
Monthly subscription fees – Online, Mobile, Telephone Banking No charge
Transactions included
Debit card purchases and withdrawals (Local)
• Debit card purchases Unlimited
• Point-of-sale (POS) cash withdrawals
Funds transfers and internal payments
• Funds transfers via Absa ATM, Online, Mobile, Telephone (IVR)
• Borderless Banking(1) Unlimited
• Internal debit orders
• Stop orders
Electronic information enquiries
• Statement – Absa ATM (mini), Online and Telephone (IVR)
Unlimited
• Balance enquiries – Absa ATM, POS, Online, Mobile and
Telephone (IVR)
Notification (SMS or email) No charge
eStatement(2) No charge
Cash withdrawals Absa ATM 3
Electronic account and beneficiary payments
• Account payments via Absa ATM, Online, Mobile, Telephone (IVR) 11
• External debit orders
Additional features
Funeral cover(3) R15 000

All other transactions not included in the above list or where transactions are on specific limits will be charged Out of Bundle fees as
reflected on the Pay-as-you-transact pricing table on page 10.

Notes:
1. Unlimited digital transfers between your International Savings Currency Investment Account and your rand accounts.
2. Customers can register for eStatements by logging onto Absa Online and clicking on the ‘Profile’ menu bar and then on ‘Manage
eStatements’, or via Telephone Banking or by sending their request to officialemail@absa.co.za
3. Terms and conditions apply. Visit absa.co.za. Underwritten by Absa Life Limited Authorised Financial Services Provider FSP 36116.

The following Online, Mobile and Telephone Banking transactions will generate a separate fee (in addition to the monthly service fee)
on Value Bundles:
• Archived statements
• Immediate interbank payments
• Notice of payments or reminders (fax, email and SMS)
• CashSend
• Tax certificates
• Stop payments of cheques and debit orders
• Account verification.

9
Full-value banking
Gold PAYT, Premium PAYT
Out of Bundle fees – Flexi Value Bundle, Gold Value Bundle, Premium Banking, Student Silver, Prosperity,
Gold Graduate and Islamic Value Bundle.

Pay-as-you-transact
Monthly fees
Prosperity, Gold PAYT monthly account fee R48,00
Premium PAYT monthly account fee R69,00
Monthly subscription fees – Online, Mobile, Telephone Banking No charge
Deposits
Cheque deposit: Branch counter R50,00
Cheque deposit: Absa ATM No charge
Cash deposit: Branch counter R45,00 + R1,65/R100
Cash deposit: Absa ATM R4,50 + R1,50/R100
Cardless cash deposit: Cash acceptor R6,50 + R1,50/R100
Cash withdrawals
Branch counter R65,00 + R1,80/R100
Absa ATM R4,50 + R1,50/R100
Point of sale (POS) R4,50
Absa-supported ATM R7,50 + R1,50/R100
Saswitch ATM R10,50 + R1,50/R100
Overseas ATM/POS(1) R65,00
Cheque encashment R65,00 + R1,80/R100 plus cheque issued fee
Purchases
Prepaid top-up at Absa ATM, POS, Online, Mobile, Telephone (IVR) R1,50
Prepaid top-up at Absa-supported ATM R4,50
Prepaid top-up at a Saswitch ATM R7,50
POS – local/overseas(1) R4,00
Account payments and funds transfers
Account payments
• Absa ATM, Online, Mobile, Telephone (IVR) R9,00
• Branch counter R65,00
• Telephone adviser-assisted R16,00
Immediate interbank payments
• Online, Mobile, Telephone (IVR) R65,00
• Telephone adviser-assisted R72,00
Account verification
• Online R6,25
• Branch R20,00
Debit and stop orders
• Internal debit orders No charge
• External debit orders R19,00
• Stop orders No charge
Funds transfers
• Absa ATM, Online, Mobile, Telephone (IVR) No charge
• Branch counter R65,00
• Telephone adviser-assisted R7,00
CashSend
• Absa ATM, Online, Mobile, Sling Pay R8,50 + R1,50 /R100
Cheque issued (2)
R150,00

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Full-value banking
Pay-as-you-transact
Balance enquiries
Branch counter No charge
Absa ATM No charge
POS No charge
Absa-supported ATM No charge
Saswitch ATM/Overseas ATM/POS R7,50
Online, Mobile, Telephone (IVR) No charge
Telephone adviser-assisted R7,00
Statement fees
Absa ATM ministatement R7,50
Absa CAT terminal full statement R15,00
Full statement: Branch counter R30,00
Mailed statement(3) R30,00
eStatement(4) No charge
Stamped statements
• Online R7,50
• Absa ATM R15,00
Transaction history
• Enquiry – Online, Mobile, Telephone (IVR)(5) No charge
• Enquiry – Telephone adviser-assisted(5) R30,00
Archived statements/Tax certificate – Online R7,50 per statement
Copies of statements (per statement)
• Less than 4 months old R30,00
• 4 months or older R65,00
Administration fees
Bank cheque/marked cheque R150,00
Stop payments
• Branch, Telephone adviser-assisted R65,00
• Online R30,00
Stop order establishment/amendment fee
• Branch, online, telephone adviser-assisted No charge
Special clearance R150,00
Debit card replacement fee R140,00
Debit card – Face-to-face delivery R175,00

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Full-value banking
Pay-as-you-transact
Other fees
Notification fee (SMS or email) R0,60
Overdraft ledger fee (pm)(6) R69,00
Unauthorised debit balance fee(7) R100,00
Honouring fee (8)
R50,00
Dishonoured/Returned payment(9) R50,00
Notice of payment or reminders (Online, Mobile, Telephone)
• SMS | Email | Fax R1,25 | R1,25 | R12,00
Absa Online notifications (includes RVN, TVN, logon alert)
• SMS | Email No charge
Declined fee (insufficient funds)(10) R6,35
Returned cheque deposit R150,00
Debit orders disputed
• Online before 40 days lapsed No charge
• In-branch before 40 days lapsed R30,00
• In-branch after 40 days lapsed R145,00

Notes:
1. Overseas includes, but is not limited to: Barclays ATM and Global Alliance Partners. A currency conversion fee of 2,75% (of the rand value
of the transaction) applies to any transaction outside South Africa.
2. Only applicable to accounts that allow cheques to be issued.
3. No charges are applicable for Student Silver monthly mailed statement.
4. Customers can register for eStatements by logging onto Absa Online and clicking on the ‘Profile’ menu bar and then on ‘Manage
eStatements’, or via Telephone Banking or by sending their request to officialemail@absa.co.za
5. An additional fee of R2,00 is applicable if request is emailed or R12,00 for fax.
6. Overdraft ledger fees and unauthorised debit balance fees will not be charged on Student Silver and Gold Graduate.
7. An unauthorised debit balance fee is applicable when an account without an approved limit goes into a debit position.
8. A honouring fee will be charged for each transaction paid against uncleared funds or when we allow payments in excess of the available
funds in the account.
9. Increasing to R150,00 per transaction from the 4th occurrence within 12 months. Cheques that are unpaid will be levied a flat fee of
R150,00 from the first occurrence.
10. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS.

12
Full-value banking
Gold Value Bundle/Premium Banking
With the Value Bundle pricing option we offer you a selection of transactions for a low monthly fee. When you’ve
used all the transactions in your bundle, you will pay Out of Bundle fees as per the pricing table on page 10.
Transactions as allocated in your Value Bundle will roll over for one month if not used. You can get a 50% discount
on your monthly fee if you maintain a set positive balance in your account. Furthermore, if your spouse chooses to
take up Premium Banking he/she qualifies for a 50% discount* on his/her monthly fee. No charges are applicable
on monthly subscriptions to NotifyMe, as well as Online, Telephone and Mobile Banking.

Gold Value Bundle Premium Banking

Monthly fees
Monthly service fee R107,00 R179,00
Discounted monthly service fee
• For maintaining a balance of:
- more than R30 000 = 50% discount; or R53,50 N/A
- more than R50 000 = 50% discount N/A R89,50

Monthly subscription fees – Online, Mobile, Telephone Banking

No charge No charge
DragonPass monthly fee (optional)(1) N/A R60,00
Transactions included
Absa ATM cash deposits
• Cash deposit: Absa ATM
5 5
• Cash deposit: Cash acceptor
• Cardless cash deposit: Cash acceptor
Absa ATM cash withdrawals
• Cash withdrawals Absa ATM 5 7
Debit card purchases and withdrawals (local)
• Debit card purchases Unlimited Unlimited
• Point-of-sale (POS) cash withdrawals
Electronic account and beneficiary payments
• Account payments via Absa ATM, Online, Mobile,
Telephone (IVR) Unlimited Unlimited
• External debit orders
Funds transfers and internal payments
• Funds transfers via Absa ATM, Online, Mobile,
Telephone (IVR)
Unlimited Unlimited
• Borderless Banking(2)
• Internal debit orders
• Stop orders
Electronic information enquiries
• Statement – Absa ATM (mini), Online and Telephone (IVR) Unlimited Unlimited
• Balance enquiries – Absa ATM, POS, Online, Mobile and
Telephone (IVR)
Notification fee (SMS or email) No charge No charge
eStatement(3) No charge No charge
Roll-over of unused transactions (4)
1 month 1 month
Take-me-home service(5) N/A 8 pa
Additional features
Spouse discount on monthly service fees* N/A 50%
Lump sum death benefit(6) R20 000 R25 000

*
The spouse discount of 50% is only available to Premium Banking customers where the spouse also qualifies for a Premium Banking
account based on the recommended individual minimum income criteria. The discount only applies to the Transactional Account
monthly fees.

All other transactions not included in the list or transactions done in excess of specific limits, will be charged Out of Bundle fees as
reflected on the Pay-as-you-transact pricing table on page 10.

13
Full-value banking
Gold Value Bundle/Premium Banking

Notes:
1. Terms and conditions apply. The first 6 visits per annum are covered in the monthly fee. Visits in excess of 6 will be charged at the lounge
at a fixed rand value of R225,00 at domestic lounges and R380,00 at international lounges.
2. Unlimited online transfers between your International Savings Currency Investment Account and your rand accounts.
3. Customers can register for eStatements by logging onto Absa Online and clicking on the ‘Profile’ menu bar and then on ‘Manage
eStatements’, or via Telephone Banking or by sending their request to officialemail@absa.co.za
4. 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).
5. Terms and conditions apply. Visit absa.co.za.
6. Terms and conditions apply. Visit absa.co.za. Underwritten by Absa Life Limited Authorised Financial Services Provider FSP 36116.

The following Online, Mobile and Telephone Banking transactions will generate a separate fee (in addition to the monthly service fee) on Value
Bundles and Premium Banking:
• Archived statements
• Immediate interbank payments
• Notice of payments or reminders (fax, email and SMS)
• CashSend
• Tax certificates
• Stop payments of cheques or debit orders
• Account verification.

14
Youth banking
MegaU
Monthly fees
Monthly administration fee No charge
Monthly subscription fees – Online, Mobile, Telephone Banking No charge
Deposits
Cheque deposit: Branch counter R50,00
Cheque deposit: Absa ATM No charge
Cash deposit: Branch counter (1)
R45,00 + R1,65/R100
First R500 at no charge,
Cash deposit: Absa ATM
thereafter R1,50 per R100
First R500 at no charge,
Cardless cash deposit: Cash acceptor
thereafter R1,50 per R100
Cash withdrawals
Branch counter R65,00 + R1,80/R100
Absa ATM No charge
Point of sale (POS) No charge
Absa-supported ATM R6,50
Saswitch ATM/Post Office terminal R10,50 + R1,50/R100
Overseas ATM/POS (2)
R65,00
Purchases
Prepaid top-up at Absa ATM, POS, Online, Mobile, Telephone (IVR) No charge
Prepaid top-up at Absa-supported ATM R4,50
Prepaid top-up at Saswitch ATM R7,50
POS – local/overseas(2) No charge
Account payments and funds transfers
Account payments
• Absa ATM, Online, Mobile, Telephone (IVR) R9,00
• Branch counter R65,00
• Telephone adviser-assisted R16,00
Immediate interbank payments
• Online, Mobile, Telephone (IVR) R65,00
• Telephone adviser-assisted R72,00
Account verification
• Online R6,25
• Branch R20,00
Debit and stop orders
• Internal debit orders No charge
• External debit orders R9,00
• Stop orders No charge
Funds transfers
• Absa ATM, Online, Mobile, Telephone (IVR) No charge
• Branch counter R65,00
• Telephone adviser-assisted R7,00
CashSend
• Absa ATM R8,50
• Online, Mobile, Sling Pay R8,50 + R1,50/R100
Balance enquiries
Branch counter No charge
Absa ATM No charge
POS No charge
Absa-supported ATM No charge
Saswitch ATM/Post Office terminal/Overseas ATM/POS R7,50
Online, Mobile, Telephone (IVR) No charge
Telephone adviser-assisted R7,00

15
Youth banking
MegaU
Statement fees
Absa ATM ministatement R3,75
Absa CAT terminal full statement R15,00
Full statement: Branch counter R30,00
Mailed statement R30,00
eStatement(3) No charge
Stamped statements
• Online R7,50
• Absa ATM R15,00
Transaction history
• Enquiry – Online, Mobile, Telephone (IVR)(4) No charge
• Enquiry – Telephone adviser-assisted(4) R30,00
Archived statements/Tax certificate – Online R7,50 per statement
Copies of statements (per statement)
• Less than 4 months old R30,00
• 4 months or older R65,00
Administration fees
Bank cheque R150,00
Stop payments
• Branch, telephone adviser-assisted R65,00
• Online R30,00
Stop order establishment/amendment fee
• Branch, Online, Telephone adviser-assisted No charge
Special clearance R150,00
Debit card replacement fee R140,00
Debit card – Face-to-face delivery R175,00
Other fees
Notification fee (SMS or email) No charge
Dishonoured/Returned payment R8,50
Notice of payment or reminders (Online, Mobile, Telephone)
• SMS | Email | Fax R1,25 | R1,25 | R12,00
Absa Online notifications (includes RVN, TVN, logon alert)
• SMS | Email No charge
Declined fee (insufficient funds)(5) R6,35
Returned cheque deposit R150,00
Debit orders disputed
• Online before 40 days lapsed No charge
• In-branch before 40 days lapsed R30,00
• In-branch after 40 days lapsed R145,00

Notes:
1. No charge applicable if deposit is less than R500,00.
2. Overseas includes but is not limited to: Barclays ATM and Global Alliance Partners. A currency conversion fee of 2,75% (of the rand value
of the transaction) applies to any transaction outside South Africa.
3. Customers can register for eStatements by logging onto Absa Online and clicking on the ‘Profile’ menu bar and then on ‘Manage
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 R12,00 for fax.
5. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS.

16
Student banking
Student Silver
EasyFee
The default pricing option on Student Silver is the EasyFee pricing option. With this option you can perform
an unlimited number of selected transactions through our self-service channels for a fixed fee of R26,00
a month. For Student Silver, there are no monthly subscription fees for NotifyMe and Online, Mobile 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, tax certificates, stop payments of cheques or debit orders and account verification.

Student Silver
Monthly fee Number of transactions included
R26,00 Unlimited

The monthly fee includes a combination of the following

transactions done on any electronic channel (Absa ATM,
Online/Mobile/Telephone Banking [IVR]):
• Absa ATM cash withdrawals
• Absa ATM cash deposits(1)
• Absa ATM balance enquiries and ministatements Unlimited
• CashSend at an Absa ATM
• Electronic funds transfers
• Electronic 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 Out of Bundle
fees as reflected on the Pay-as-you-transact pricing table on page 10. No charges are applicable for Student Silver, monthly mailed
statements and eStatements(2).

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

17
Student banking
Gold Graduate

With the Graduate pricing option we offer you a selection of transactions for a low monthly fee. When you’ve
used all the transactions in your bundle, you will pay Out of Bundle fees as per the pricing table on page 10.
Transactions as allocated in your Value Bundle will roll over for one month if not used. Plus you benefit from
our exciting value-added services.

Gold Graduate
Monthly fees
Monthly service fee (1) R52,00
Discounted monthly service fee:
• For maintaining a balance of:
- more than R30 000 = 50% discount R26,00
Monthly subscription fees – Online, Mobile, Telephone Banking No charge
Transactions included
Absa ATM cash deposits
• Cash deposit: Absa ATM
5
• Cash deposit: Cash acceptor
• Cardless cash deposit: Cash acceptor
Absa ATM cash withdrawals
5
• Cash withdrawals Absa ATM
Debit card purchases and withdrawals (local)
• Debit and cheque card purchases Unlimited
• Point-of-sale (POS) cash withdrawals
Electronic account and beneficiary payments
• Account payments via Absa ATM, Online, Mobile, Telephone (IVR) Unlimited
• External debit orders
Funds transfers and internal payments
• Funds transfers via Absa ATM, Online, Mobile, Telephone (IVR) Unlimited
• Internal debit orders
• Stop orders
Electronic information enquiries
• Statement – Absa ATM (mini), Online and Telephone (IVR) Unlimited
• Balance enquiries – Absa ATM, POS, Online, Mobile and
Telephone (IVR)
Notification fee (SMS or email) No charge
eStatement (2)
No charge
Roll-over of unused transactions(3) 1 month

All other transactions not included in the above list, or transactions done in excess of specific limits, will be
charged at Out of Bundle fees as reflected on the Pay-as-you-transact pricing table on page 10.

Notes:
1. The first 36 months, thereafter account is migrated to Gold Value Bundle.
2. Customers can register for eStatements by logging onto Absa Online and clicking on the ‘Profile’ menu bar and then on ‘Manage
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 Graduate customer who only
uses 2 ATM withdrawals will have 8 ATM transactions in the following month).

The following Online, Mobile and Telephone Banking transactions will generate a separate fee (in addition to the monthly service fee) on
Gold Graduate:
• Archived statements
• Immediate interbank payments
• Notice of payment or reminders (fax, email and SMS)
• CashSend
• Tax certificates
• Stop payments of cheques or debit orders
• Account verification.

18
Seniors banking
Prosperity

The Prosperity Account is one of the most affordable ways to bank if you are 55 years and older and earn
more than R2 000 a month. If you can afford to maintain a credit balance of R15 000 in your current
account or invest the required minimum as per below, you have access to Prosperity Rebate Banking,
where you receive up to R510,00 rebate amount on your daily banking transactions. As a Prosperity
customer, you also qualify for additional interest rate benefits on a selection of our investment accounts.

Rebate Banking
Minimum monthly account balance R15 000
Maximum rebate amount R510,00
Minimum balance to be maintained in the current account or in one
of the following investments with Absa to qualify for rebates:
• Credit balance in current account R15 000
• 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 R15 000
• Investment Advantage R15 000
• Depositor Plus R15 000
• TruSave R15 000
• Notice Select R15 000
• Tax-free Savings R15 000
• Dynamic Fixed Deposit R15 000

Prosperity customers will receive a rebate amount on most transactional charges. Charges will be levied
for immediate interbank payments, notice of payments or reminders, archived statements, CashSend,
tax certificates, stop payments of cheques or debit orders and account verification.

19
Seniors banking
Prosperity

Transactions exempt with Rebate Banking

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

*Excludes cardless cash deposits

All other transactions not included in the above list (e.g. Saswitch transactions) will be charged Out of Bundle fees as reflected on the
Pay-as-you-transact pricing table on page 10.

20
Islamic Banking
Islamic Youth

Islamic Youth
Monthly fees
Monthly administration fee No charge
Monthly subscription fees – Online, Mobile, Telephone Banking No charge
Deposits
Cheque deposit: Branch counter R50,00
Cheque deposit: Absa ATM No charge
Cash deposit: Branch counter(1) R45,00 + R1,65/R100
First R500 at no charge, thereafter R1,50
Cash deposit: Absa ATM
per R100
First R500 at no charge, thereafter R1,50
Cardless cash deposit: Cash acceptor
per R100
Cash withdrawals
Branch counter R65,00 + R1,80/R100
Absa ATM No charge
Point of sale (POS) No charge
Absa-supported ATM R6,50
Saswitch ATM/Post Office terminal R10,50 + R1,50/R100
Overseas ATM/POS(2) R65,00
Purchases
Prepaid top-up at Absa ATM, POS, Online, Mobile, Telephone (IVR) No charge
Prepaid top-up at Absa-supported ATM R4,50
Prepaid top-up at Saswitch ATM R7,50
POS – local/overseas(2) No charge
Account payments and funds transfers
Account payments
• Absa ATM, Online, Mobile, Telephone (IVR) R9,00
• Branch counter R65,00
• Telephone adviser-assisted R16,00
Immediate interbank payments
• Online, Mobile, Telephone (IVR) R65,00
• Telephone adviser-assisted R72,00
Account verification
• Online R6,25
• Branch R20,00
Debit and stop orders
• Internal debit orders No charge
• External debit orders R9,00
• Stop orders No charge
Funds transfers
• Absa ATM, Online, Mobile, Telephone (IVR) No charge
• Branch counter R65,00
• Telephone Adviser-assisted R7,00
CashSend
• Absa ATM R8,50
• Online, Mobile, Sling Pay R8,50 + R1,50/R100

21
Islamic banking
Islamic Youth

Islamic Youth
Balance enquiries
Branch counter No charge
Absa ATM No charge
POS No charge
Absa-supported ATM No charge
Saswitch ATM/Post Office terminal/Overseas ATM/POS R7,50
Online, Mobile, Telephone (IVR) No charge
Telephone Adviser-assisted R7,50
Statement fees
Absa ATM ministatement R3,75
Absa CAT terminal full statement R15,00
Full statement: Branch counter R30,00
Mailed statement R30,00
eStatement(3) No charge
Stamped statements
• Online R7,50
• Absa ATM R15,00
Transaction history
• Enquiry – Online, Mobile, Telephone (IVR)(4) No charge
• Enquiry – Telephone adviser-assisted(4) R30,00
Archived statements/Tax certificate – Online R7,50 per statement
Copies of statements (per statement)
• Less than 4 months old R30,00
• 4 months or older R65,00
Administration fees
Bank cheque R150,00
Stop payments
• Branch, telephone adviser-assisted R65,00
• Online R30,00
Stop order establishment/amendment fee
• Branch, online, telephone adviser-assisted No charge
Special clearance R150,00
Debit card replacement fee R140,00
Debit card – Face-to-face delivery R175,00

22
Islamic banking
Islamic Youth

Islamic Youth
Other fees
Notification fee (SMS or email) No charge
Dishonoured/Returned payment R8,50
Notice of payment or reminders (Online, Mobile, Telephone)
• SMS | Email | Fax R1,25 | R1,25 | R12,00
Absa Online notifications (includes RVN, TVN, logon alert)
• SMS | Email No charge
Declined fee (insufficient funds)(5) R6,35
Returned cheque deposit R150,00
Debit orders disputed
• Online before 40 days lapsed No charge
• In-branch before 40 days lapsed R30,00
• In-branch after 40 days lapsed R145,00

Notes:
1. No charge applicable if deposit is less than R500,00.
2. Overseas includes but is not limited to: Barclays ATM and Global Alliance Partners. A currency conversion fee of 2,75% (of the rand value
of the transaction) applies to any transaction outside South Africa.
3. Customers can register for eStatements by logging onto Absa Online and clicking on the ‘Profile’ menu bar and then on ‘Manage
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 R12,00 for fax.
5. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS.

23
Islamic banking
Islamic Savings

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

You can do all types of electronic payments and transfers, and if you have R16 500 or more in your account,
certain transaction fees will be waived. A minimum initial deposit of R50,00 is required to open the account
and a minimum balance of R50,00 must be maintained.

Islamic Savings
Pricing options
Standard fee √
Rebate Banking minimum balance
(1)
R16 500
Monthly fees
Monthly administration fee R26,00
Monthly subscription fees – Online, Mobile, Telephone Banking No charge
Deposits
Cheque deposit: Branch counter R50,00
Cheque deposit: Absa ATM No charge
Cash deposit: Branch counter R45,00 + R1,65/R100
Cash deposit: Absa ATM R4,50 + R1,50/R100
Cardless cash deposit: Cash acceptor R6,50 + R1,50/R100
Cash withdrawals
Branch counter R65,00 + R1,80/R100
Absa ATM R4,50 + R1,50/R100
Point of sale (POS) R4,50
Absa-supported ATM R7,50 + R1,50/R100
Saswitch ATM/Post Office terminal R10,50 + R1,50/R100
Overseas ATM/POS (2)
R65,00
Purchases
Prepaid top-up at Absa ATM, POS, Online, Mobile, Telephone (IVR) R1,50
Prepaid top-up at Absa-supported ATM R4,50
Prepaid top-up at Saswitch ATM R7,50
POS – local/overseas(2) R4,00

24
Islamic banking
Islamic Savings

Islamic Savings
Account payments and funds transfers
Account payments
• Absa ATM R9,00
• Online, Mobile, Telephone (IVR) R9,00
• Branch counter R65,00
• Telephone adviser-assisted R16,00
Immediate interbank payments
• Online, Mobile, Telephone (IVR) R65,00
• Telephone adviser-assisted R72,00
Account verification
• Online R6,25
• Branch R20,00
Debit and stop orders
• Internal debit orders No charge
• External debit orders R9,00
• Stop orders No charge
Funds transfers
• Absa ATM No charge
• Online, Mobile, Telephone (IVR) No charge
• Branch counter R65,00
• Telephone adviser-assisted R7,00
CashSend
• Absa ATM R8,50 + R1,50/R100
• Online, Mobile, Sling Pay R8,50 + R1,50/R100
Balance enquiries
Branch counter No charge
Absa ATM No charge
POS No charge
Absa-supported ATM No charge
Saswitch ATM/Post Office terminal/Overseas ATM/POS R7,50
Online, Mobile, Telephone (IVR) No charge
Telephone adviser-assisted R7,00
Statement fees
Absa ATM ministatement R7,50
Absa CAT terminal full statement R15,00
Full statement: Branch counter R30,00
Mailed statement R30,00
eStatement(3) No charge
Stamped statements
• Online R7,50
• Absa ATM R15,00
Transaction history
• Enquiry – Online, Mobile, Telephone (IVR)(4) No charge
• Enquiry – Telephone adviser-assisted(4) R30,00
Archived statements/Tax certificate – Online R7,50 per statement
Copies of statements (per statement)
• Less than 4 months old R30,00
• 4 months or older R65,00

25
Islamic banking
Islamic Savings

Islamic Savings
Administration fees
Bank cheque R150,00
Stop payments
• Branch, telephone adviser-assisted R65,00
• Online R30,00
Stop order establishment/Amendment fee
• Branch, online, telephone adviser-assisted No charge
Special clearance R150,00
Debit card replacement fee R140,00
Debit card –Face-to-face delivery R175,00
Other fees
Notification fee (SMS or email) R0,60
Dishonoured/Returned payment R9,00
Notice of payment or reminders (Online, Mobile, Telephone)
• SMS | Email | Fax R1,25 | R1,25 | R12,00
Absa Online notifications (includes RVN, TVN, logon alert)
• SMS | Email No charge
Declined fee (insufficient funds)(5) R6,35
Returned cheque deposit R150,00
Debit orders disputed
• Online before 40 days lapsed No charge
• In-branch before 40 days lapsed R30,00
• In-branch after 40 days lapsed R145,00

Notes:
1. Fees shaded indicate that no charge will be levied on this transaction when the minimum monthly account balance of R16 500
is maintained throughout the month.
2. Overseas includes, but is not limited to: Barclays ATM and Global Alliance Partners. A currency conversion fee of 2,75% (of the rand value
of the transaction) applies to any transaction outside South Africa.
3. Customers can register for eStatements by logging onto Absa Online and clicking on the ‘Profile’ menu bar and then on ‘Manage
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 R12,00 for fax.
5. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS.

26
Islamic banking
Islamic Current Account

Value Bundles
This is a Shari’ah-compliant cheque product based on a Qardh structure, and offers a transactional account
vehicle that allows you to have an affordable Flexi Value Bundle, Gold Value Bundle or Premium Banking
pricing option. Bank from as little as R65,00 a month with a Value Bundle. With the Value Bundle pricing
option we offer you a selection of transactions for a low monthly fee. When you’ve used all the transactions
in your bundle, you will pay standard fees per transaction as per the Pay-as-you-transact pricing table on
page 10.
Flexi Gold Premium
Value Bundle Value Bundle Banking
Monthly fees
Monthly service fees R65,00 R107,00 R179,00
Discounted monthly service fee:
• For maintaining a balance of:
- more than R30 000 = 50% discount; or N/A R53,50 N/A
- more than R50 000 = 50% discount N/A N/A R89,50
Monthly subscription fees – Online, Mobile,
No charge No charge No charge
Telephone Banking
DragonPass monthly fee (optional) (1)
N/A N/A R60,00
Transactions included
Absa ATM cash deposits
• Cash deposit: Absa ATM
0 5 5
• 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 (local)
• Debit card purchases Unlimited Unlimited Unlimited
• Point-of-sale (POS) cash withdrawals
Electronic account and beneficiary payments
• Account payments via Absa ATM, Online, Mobile,
11 Unlimited Unlimited
Telephone (IVR)
• External debit orders

27
Islamic banking
Islamic Current Account

Flexi Gold Premium

Value Bundle Value Bundle Banking
Transactions included
Funds transfers and internal payments
• Funds transfers via Absa ATM, Online, Mobile,
Telephone (IVR) Unlimited Unlimited Unlimited
• Internal debit orders
• Stop orders
Electronic information enquiries
• Statement – Absa ATM (mini), Online and
Telephone (IVR) Unlimited Unlimited Unlimited
• Balance enquiries – Absa ATM, POS, Online, Mobile
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
Additional features
Spouse discount on monthly service fees* N/A N/A 50%
Takaful death benefit R15 000 R20 000 R25 000

*The spouse discount of 50% is only available to Premium Banking customers where the spouse also qualifies for a Premium Banking account
based on the recommended individual minimum income criteria. The discount only applies to the Transactional Account monthly fees.

Notes:
1. The first 6 visits per annum are covered in the monthly fee. Visits in excess of 6 will be charged at the lounge at a fixed rand value of
R225,00 at domestic lounges and R380,00 at international lounges.
2. Customers can register for eStatements by logging onto Absa Online and clicking on the ‘Profile’ menu bar and then on ‘Manage
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).

The following Online, Mobile and Telephone Banking transactions will generate a separate fee (in addition to the monthly service fee)
on Value Bundles:
• Archived statements
• Immediate interbank payments
• Notice of payments or reminders (fax, email and SMS)
• CashSend
• Tax certificates
• Stop payments of cheques and debit orders
• Account verification.

All other transactions not included in the above list or transactions done in excess of specific limits, will be charged Out of Bundle fees as
reflected on the Pay-as-you-transact pricing table on page 10.

28
Savings and investments
TruSave, Depositor Plus, Cash Invest Tracker, Club Account, Travel Club, Investment Club,
Grocery Stokvel, Tax-free Savings and Money Market Fund

TruSave Depositor Plus/ Club Account/

Cash Invest Travel Club/
Tracker Investment
Club/Grocery
Stokvel
Monthly fees
Monthly administration fee No charge No charge No charge
Deposits
Cheque deposit: Branch counter R50,00 R50,00 R50,00
Cheque deposit: Absa ATM No charge No charge N/A
R45,00 + R1,65/ R45,00 + R1,65/ R45,00 + R1,65/
Cash deposit: Branch counter
R100 R100 R100
R4,50 + R1,50/R100 R4,50 + R1,50/
Cash deposit: Absa ATM N/A
(first 4 free pm) R100
R6,50 + R1,50/ R6,50 + R1,50/ R4,50 + R1,50/
Cardless cash deposit: Cash acceptor
R100 R100 R100
Cash withdrawals
R65,00 + R1,80/ R65,00 + R1,80/ R65,00 + R1,80/
Branch counter
R100 R100 R100
Absa ATM R7,50 + R1,50/R100 R7,50 + R1,50/R100 N/A
R10,50 + R1,50/ R10,50 + R1,50/
Absa-supported ATM N/A
R100 R100
R13,50 + R1,50/ R13,50 + R1,50/
Saswitch ATM N/A
R100 R100
Overseas ATM(1) R65,00 R65,00 N/A
Account payments and funds transfers
Account payments
• Absa ATM N/A N/A N/A
• Branch counter N/A N/A R65,00
Debit and stop orders
• Internal debit orders N/A N/A No charge
• External debit orders N/A N/A R9,00
• Stop orders N/A N/A No charge
Funds transfers
• Absa ATM No charge No charge N/A
• Branch counter R65,00 R65,00 R65,00

29
Savings and investments
TruSave, Depositor Plus, Cash Invest Tracker, Club Account, Travel Club, Investment Club, Grocery Stokvel,
Tax-free Savings and Money Market Fund

TruSave Depositor Plus/ Club Account/

Cash Invest Travel Club/
Tracker Investment
Club/Grocery
Stokvel
Balance enquiries
Branch counter No charge No charge No charge
Absa ATM No charge No charge N/A
Absa-supported ATM No charge No charge N/A
Saswitch ATM R7,50 R7,50 N/A
Statement fees
Branch counter full statement R30,00 R30,00 R30,00
R7,50 (first 2
Absa ATM ministatement R7,50 N/A
free pm)
Absa CAT terminal full statement R15,00 R15,00 N/A
Mailed statement R30,00 No charge R30,00
eStatement (2)
No charge No charge No charge
Administration fees
Bank cheque R150,00 R150,00 R150,00
Special clearance N/A N/A R150,00
Debit card replacement fee R140,00 R140,00 N/A
Debit card – Face-to-face delivery R175,00 R175,00 N/A
Other fees
Notification fee (SMS or email) R0,60 R0,60 No charge
Dishonoured/Returned payment(3) N/A N/A R36,00
Declined fee (insufficient funds)
• Absa ATM R6,35 R6,35 N/A
• Absa-supported ATM R6,35 R6,35 N/A
• Saswitch ATM R6,35 R6,35 N/A
• Point of sale (POS) N/A N/A N/A
Returned cheque deposit R150,00 R150,00 R150,00
Debit orders disputed
• Online before 40 days lapsed No charge No charge No charge
• In-branch before 40 days lapsed R30,00 R30,00 R30,00
• In-branch after 40 days lapsed R145,00 R145,00 R145,00

Notes:
1. Overseas includes, but is not limited to: Barclays ATM and Global Alliance Partners. A currency conversion fee of 2,75% (of the rand value
of the transaction) applies to any transaction outside South Africa.
2. Customers can register for eStatements by logging onto Absa Online and clicking on the ‘Profile’ menu bar and then on ‘Manage
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.

30
Savings and investments
Tax-free Savings

The Tax-free Savings Account is a smart way to save, with immediate access to your money. Your interest
return is protected from tax. Contribute up to a maximum of R33 000 per tax year, with a maximum lifetime
contribution limit of R500 000.

Tax-free Savings
Monthly fees
Monthly administration fee No charge
Deposits
Cheque deposit: Branch counter R50,00
Cheque deposit: Absa ATM No charge
Cash deposit: Branch counter R45,00 + R1,65/R100
Cash deposit: Absa ATM R4,50 + R1,50/R100
Cardless cash deposit: Cash acceptor R6,50 + R1,50/R100
Cash withdrawals
Branch counter R65,00 + R1,80/R100
Absa ATM/Absa-supported ATM N/A
Saswitch ATM/Overseas ATM N/A
Account payments and funds transfers
Account payments
• Absa ATM/Branch counter N/A
Debit and stop orders N/A
Funds transfers
• Absa ATM, Online, Mobile No charge
• Branch counter R65,00
Balance enquiries
Branch counter No charge
Absa ATM No charge
Absa-supported ATM No charge
Saswitch ATM R7,50
Statement fees
Branch counter full statement R30,00
Absa ATM ministatement R7,50
Absa CAT terminal full statement R15,00
Mailed statement R30,00
eStatement (1)
No charge
Stamped statement
• Online R7,50
• Absa ATM R15,00
Administration fees
Bank cheque R150,00
Stop payment instruction/Special clearance N/A
Debit card replacement fee N/A

31
Savings and investments
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 R150,00

Note:
1. Customers can register for eStatements by logging onto Absa Online and clicking on the ‘Profile’ menu bar and then on ‘Manage
eStatements’, or via Telephone Banking or by sending their request to officialemail@absa.co.za

32
Savings and investments
Money Market Fund

Money Market Fund

Monthly fees
Monthly administration fee No charge
Commission
All credits to account except for counter cash deposits 0,4035%
Deposits
Cheque deposit: Branch counter/Absa ATM Commission applicable
Cash deposit: Branch counter R45,00 + R1,65/R100
Cash deposit: Absa ATM Commission applicable
Cardless cash deposit: Cash acceptor Commission applicable
Cash withdrawals
Branch counter(1) R65,00 + R1,80/R100
Absa ATM (1)
R7,50 + R1,50/R100
Absa-supported ATM R10,50 + R1,50/R100
Saswitch ATM R13,50 + R1,50/R100
Overseas ATM (2)
R65,00
Funds transfers
Absa ATM/Branch counter No charge
Balance enquiries
Branch counter/Absa ATM No charge
Absa-supported ATM No charge
Saswitch ATM R7,50
Statement fees
Branch counter full statement No charge
Absa ATM ministatement No charge
Absa CAT terminal full statement No charge
Mailed statement R30,00
eStatement(3) No charge
Administration fees
Bank cheque(1) R150,00
Special clearance No charge
Debit card replacement fee R140,00
Debit card – Face-to-Face delivery R175,00
Other fees
Notification fee (SMS or email) No charge
Dishonoured/Returned payment N/A
Declined fee (insufficient funds)(4) No charge
Returned cheque deposit R150,00

Notes:
1. Provided a minimum balance of R100 000 is maintained in the account at all times, the transactions indicated will be exempt from
standard charges.
2. Overseas includes, but is not limited to: Barclays ATM and Global Alliance Partners. A currency conversion fee of 2,75% (of the rand value
of the transaction) applies to any transaction outside South Africa.
3. Customers can register for eStatements by logging onto Absa Online and clicking on the ‘Profile’ menu bar and then on ‘Manage
eStatements’, or via Telephone Banking or by sending their request to officialemail@absa.co.za
4. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS.

33
Savings and investments
Call Account

Call Account
Monthly fees
Monthly account fee No charge
Monthly subscription fees – Online, Mobile, Telephone Banking(1) R99,00
Deposits
Cheque deposit: Branch counter R50,00
Cheque deposit: Absa ATM No charge
Cash deposit: Branch counter R45,00 + R1,65/R100
Cash deposit: Absa ATM R4,50 + R1,50/R100
Cardless cash deposit: Cash acceptor R6,50 + R1,50/R100
Cash withdrawals
Branch counter R65,00 + R1,80/R100
Absa ATM R4,50 + R1,50/R100
Point of sale (POS) R4,50
Absa-supported ATM R7,50 + R1,50/R100
Saswitch ATM/Post Office terminal R10,50 + R1,50/R100
Overseas ATM/POS(2) R65,00
Purchases
Prepaid top-up at Absa ATM, POS, Online, Mobile, Telephone (IVR) N/A
Prepaid top-up at Absa-supported ATM N/A
Prepaid top-up at Saswitch ATM N/A
POS – local/overseas(2) N/A
Account payments and funds transfers
Account payments
• Absa ATM, Online, Mobile R9,00
• Telephone (IVR) R16,00
• Branch counter R65,00
Immediate interbank payments
• Online, Mobile, Telephone (IVR) R65,00
• Telephone adviser-assisted R72,00
Account verification
• Online R6,25
Debit and stop orders
• Internal debit orders No charge
• External debit orders R19,00
• Stop orders No charge
Funds transfers
• Absa ATM, Online, Mobile, Telephone (IVR) No charge
• Branch counter R65,00
• Telephone adviser-assisted R7,00
CashSend
• Absa ATM, Online, Mobile, Telephone (IVR), Sling Pay R8,50 + R1,50/R100
Balance enquiries
Branch counter No charge
Absa ATM No charge
POS No charge
Absa-supported ATM No charge
Saswitch ATM/Post Office terminal/Overseas ATM/POS R7,50
Online, Mobile, Telephone (IVR) No charge
Telephone adviser-assisted R7,00

34
Savings and investments
Call Account
Statement fees
Absa ATM ministatement R7,50
Absa CAT terminal full statement R15,00
Full statement: Branch counter R30,00
Mailed statement R30,00
eStatement(3) No charge
Transaction history
• Enquiry – Online, Mobile, Telephone (IVR)(4) No charge
• Enquiry – Telephone adviser-assisted(4) R30,00
Archived statements/Tax certificate – Online R7,50 per statement
Copies of statements (per statement)
• Less than 4 months old R30,00
• 4 months or older R65,00
Administration fees
Bank cheque R150,00
Stop payments
• Branch, telephone adviser-assisted R65,00
• Online R30,00
Stop order establishment/amendment fee
• Branch, online, telephone adviser-assisted No charge
Special clearance R150,00
Debit card replacement fee R140,00
Debit card – Face-to-face delivery R175,00
Other fees
Notification fee (SMS or email) R0,60
Dishonoured/Returned payments (5)
R50,00
Notice of payment or reminders (Online, Mobile, Telephone)
• SMS | Email | Fax R1,25 | R1,25 | R12,00
Absa Online notifications (includes RVN, TVN, logon alert)
• SMS | Email No charge
Declined fee (insufficient funds)(6) R6,35
Returned cheque deposit R150,00
Debit orders disputed
• Online before 40 days lapsed No charge
• In-branch before 40 days lapsed R30,00
• In-branch after 40 days lapsed R145,00

Notes:
1. This fee is not applicable to retail customers.
2. Overseas includes, but is not limited to: Barclays ATM and Global Alliance Partners. A currency conversion fee of 2,75% (of the rand value
of the transaction) applies to any transaction outside South Africa.
3. Customers can register for eStatements by logging onto Absa Online and clicking on the ‘Profile’ menu bar and then on ‘Manage
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 R12,00 for fax.
5. Increasing to R150,00 per transaction from the 4th occurrence within 12 months.
6. Includes the following: Absa ATM, Absa-supported ATM, Saswitch ATM, Post Office, Overseas ATM and POS.

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Savings and investments
Investor Plus, Notice Select, Future Plan, TargetSave and Islamic TargetSave

Investor Plus, Notice Select, Future Plan, TargetSave and Islamic TargetSave
Monthly fees
Monthly account fee No charge
Monthly management fee for Investor Plus No charge
Deposits
Cheque deposit: Branch counter R50,00
Cheque deposit: Absa ATM No charge
Cash deposit: Branch counter R45,00 + R1,65/R100
Cash deposit: Absa ATM R4,50 + R1,50/R100 (first 2 free pm)
Cardless cash deposit: Cash acceptor R6,50 + R1,50/R100
Cash withdrawals
Branch counter R65,00 + R1,80/R100
Absa ATM R7,50+ R1,50/R100
Absa-supported ATM R10,50 + R1,50/R100
Saswitch ATM R13,50 + R1,50/R100
Funds transfers
Absa ATM, Online, Mobile No charge
Branch counter R65,00
Balance enquiries
Branch counter No charge
Absa ATM No charge
Absa-supported ATM No charge
Saswitch ATM R7,50
Statement fees
Full statement: Branch counter R30,00
Ministatement: Absa ATM R7,50
Absa CAT terminal R15,00
Mailed statement R30,00
eStatement (1)
No charge
Administration fees
Debit card replacement fees R140,00
Debit card - Face-to-face delivery R175,00

Early redemption fees are applicable subject to your Savings Plan.

Note:
1. Customers can register for eStatements by logging onto Absa Online and clicking on the ‘Profile’ menu bar and then on
‘Manage eStatements’, or via Telephone Banking or by sending their request to officialemail@absa.co.za

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Credit cards
It’s smarter to use your credit card for purchases than using cash, and here’s why:
• You get up to 57 interest-free days on purchases, excluding cash withdrawals, casino transactions,
Absa Online transfers, fuel purchases and budget plan purchases. This applies if all outstanding balances
on the credit card account were fully paid by the due dates. Cash and Garage Card transactions are
not included in the interest-free period, as interest is charged from the date of transaction. Terms and
conditions apply. Visit absa.co.za
• Avoid paying cash deposit fees when you transfer payments to your credit card using electronic channels
(Online, Mobile or ATM).

Tip: Use your credit card for fuel purchases, as no transaction fees are charged.

Credit Card Monthly Account Fee(1)

Card type Student Flexi Core (Transact) Silver Affinities Gold + Affinities Premium
Credit Card N/A R15,00 pm R23,00 pm R23,00 pm R53,00 pm
Secondary Card N/A R15,50 pm R15,50 pm R15,50 pm R15,50 pm

Credit cards
Monthly fees
Credit Facility Service Fee(2) R27,00
Garage Cards R40,00
Monthly subscription fees – Online, Mobile, Telephone Banking No charge
Purchases
Credit Card purchases No charge
Garage Card purchases R6,00
Deposits
Cheque deposit: Branch counter R50,00
Cheque deposit: Absa ATM No charge
Cash deposit: Branch counter R45,00 + R1,65/R100
Cash deposit: Absa ATM R4,50 + R1,50/R100
Cash withdrawals
Branch counter R65,00 + R1,80/R100
Absa ATM R4,50 + R1,50/R100
Absa-supported ATM R7,50 + R1,50/R100
Saswitch ATM R10,50 + R1,50/R100
Overseas ATM(3) R65,00
Point of sale (POS) (local) R4,50
Account payments and funds transfers
Account payments
• Absa ATM R9,00
Funds transfers
• Absa ATM No charge
• Branch counter R65,00
Balance enquiries
Absa ATM No charge
Absa-supported ATM No charge
Saswitch ATM/Post Office terminal R7,50
Overseas ATM/POS R7,50

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Credit cards
Credit Cards
Statement fees and notifications
Absa ATM ministatement R7,50
SMS/email notifications R0,60
Other fees
Replacement/Lost card administration fee R140,00
Unpaid debit order/Cheque fee No charge
Invalid dispute fee – domestic transactions R50,00
Invalid dispute fee – international transactions R128,00
Duplicate statement fee R5,00 per request R1,00 per page (max R50,00)
Same-day delivery R490,00
Bank cheque R150,00
Initiation fee R170,00

Notes:
1. Credit Card Monthly Account Fee: This fee relates to the cost charged monthly for the administration and maintenance of the value-
added features on your credit card account. This fee enables the ‘more than just credit’ features on your card.
2. Credit Facility Service Fee: This fee relates to the cost charged monthly for the routine administration of maintaining your credit card
facility. This fee enables the everyday use of your credit card and the credit granted.
3. A currency conversion fee of 2,75% (of the rand value of the transaction) applies to any transaction outside South Africa.

38
Home Loans
Absa’s Home Loan products and services are designed to complement the South African consumer’s home
ownership specific needs. We recognize the consumer’s preference for simple and more rewarding financing
solutions that help them to achieve their home ownership aspirations. We offer:
• Relevant solutions to address the specific needs of consumers
• Preferential service, non-intrusive, always available
• Relationship benefits that rewards a client’s relationship and loyalty with Absa.

Home Loans
Initiation fees
All loans R6 037,50 (max)
Monthly service fees
All agreements R69,00
Deposits
Cash deposit: Branch counter(1) R45,00 + R1,65/R100

Note:
1. Branch counter cash deposit fee applicable for all cash deposited in excess of the monthly Home Loan repayment amount.
No charges are applicable on Absa ATM cash, cheque and electronic deposits.

Early settlement interest

If a large agreement (including all mortgage agreements) is cancelled, an early termination charge may
be levied equal to a maximum of 90 days’ interest, which will be reduced proportionately with any notice
period given.

39
International Banking
Introducing borderless banking for your international payment, saving and travel needs. Simply, logon to Absa
online banking or visit one of our convenient branches in over 100 locations.

Online features:
• Make quick and efficient international payments
• Open an international savings account
• Move money effortlessly between your rand and foreign currency accounts
• Receive electronic foreign funds into your nominated international savings accounts or local rand accounts
• Load your Cash PassportTM to swipe and withdraw cash anywhere in the world*, or purchase your favourite
items online
• No need for documentation like airline tickets when you load your Cash PassportTM online from your
International Savings account
• Send cash to over 500 000 locations worldwide with Western UnionTM – online, via our App and in select
Absa branches.

International Banking branches let you:

• Receive cash with Western UnionTM at over 50 select Absa branches
• Make international payments to any bank account
• Send cash to a loved one, with Western UnionTM
• Effect same-day payments (on request)
• Buy a new Cash PassportTM and load it for an overseas trip
• Purchase all of the world’s major currencies.

Should you prefer mobile banking, NovoFX is a world-class payment app with real-time rates and same-day
payments. Download from the App Store or Google Play store now.

* The Card may only be used outside the Common Monetary Area (being South Africa, Lesotho, Swaziland and Namibia). The Card may be
used for online purchases provided that the website used is not registered in the Common Monetary Area. In addition, there may be some
other countries or geographical regions where usage of the Card is prohibited. Please verify the list of prohibited countries and regions at
www.cashpassport.co.za

International banking Branch Absa Online

Cash PassportTM card
Cash PassportTM load and reloads of digital wallet 2,10% Minimum R110,00 2,10% Minimum R110,00
Once-off card activation fee R145,00 N/A
Secondary card R65,00 N/A
Repurchase of Cash PassportTM (upload) crediting an
No charge N/A
Absa account
Purchase and sale of foreign banknotes
Foreign banknotes purchase and sale 2,12% Minimum R120,00 N/A
Transfer outwards (SWIFT ) TM

In rand and foreign currency 0,60% Minimum R210,00 0,55% Minimum R150,00
Maximum R750,00 Maximum R750,00
Electronic fee R140,00 R100,00
Transfer inwards (SWIFTTM)
Inward transfers received 0,60% Minimum R210,00 0,55% Minimum R150,00
Maximum R750,00 Maximum R750,00
Currency Investment Account
0,60% Minimum R140,00
Deposits per transaction - funding transfer inwards No Charge
Maximum R350,00
0,60% Minimum R140,00
Withdrawals per transaction - funding transfer outwards No Charge
Maximum R350,00

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International banking
International banking
Western Union® Money Transfer service
Send money Principal bands Principal bands Fee USD*
(pricing the same for both USD from USD to
in-branch and digital) - 50,00 7,00
51,00 100,00 10,00
101,00 150,00 12,00
151,00 200,00 14,00
201,00 250,00 16,00
251,00 300,00 18,00
301,00 400,00 20,00
401,00 500,00 25,00
501,00 600,00 30,00
601,00 700,00 35,00
701,00 800,00 40,00
801,00 900,00 45,00
901,00 1 000 50,00
1 001 1 200 55,00
1 201 1 500 63,00
1 501 1 800 63,00
1 801 2 000 64,00
2 001 2 500 65,00
2 501 3 250 65,00
3 251 5 000 2% principal
5 001 7 500 2% principal
7 501 10 000 2% principal
10 001 and above 2% principal
*
At time of WUMT send: Fee to be converted to ZAR at prevailing exchange rate prior to 15%
VAT addition/inclusion. Price subject to change.
Receive money No charge

Other
Cash-handling fee
• Transaction value under R50 000 R340,00
• Transaction value above R50 000 R45,00 + R1,65/R100 of the value of the cash exchanged
for foreign currency
Travel delivery fee
• Delivery of travel products to client’s premises R260,00
• Failed delivery R305,00
Visa letter R150,00
Emigration formalities Price on application

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Other offerings
Safe custody

Safe custody
Transaction type Fee
Initiation fee R530,00
Accessing items stored in safe custody R26,50
Absa lockers Small
(1)
R1 330,00
Absa lockers(1) Medium R2 000,00
Absa lockers Large
(1)
R3 320,00
Absa lockers(1) Extra Large R3 640,00
Envelope safe custody (1)
R320,00
Fixed fee (items stored in safe – excluding informal security)(1) R1 330,00

Note:
1. These fees are paid annually in advance in January.

Mobile Banking Lite

Mobile Banking Lite (*120*2272#)

Transaction type Fee
Monthly fees No charge
CashSend R8,50 + R1,50/R100
Account payments R8,50
Funds transfers No charge
Prepaid top-up R1,50
Balance enquiries R0,60
Statement enquiries R0,60 ministatement via SMS
Notice of payment or reminders
• SMS | Email | Fax R1,25 | R1,25 | R12,00

Sling Account

Sling Account
Transaction type Fee
Person-to-person payment R1,50
Prepaid top-up R1,50
CashSend R8,50
Cardless cash deposit R6,50 + R1,50/R100

42
Frequently asked questions
For any other questions, please call 08600 08600, visit your nearest Absa branch
or go to absa.co.za

How do transaction fees work?

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

Fixed fee: When you perform account payments at an Absa ATM, you’ll pay a fixed fee per transaction,
whether you pay R100,00 or R1 000.

Sliding scale fee: You pay a base fee for the transaction itself plus a fee based on the value of the
transaction. For example, if you withdraw R500,00 from a current account at an Absa ATM you’ll pay
a R4,50 base fee for the transaction plus R1,50 per R100,00. Therefore the withdrawal will cost
R12,00 (R4,50 + 5 x R1,50).

What pricing options are there?

To get the most out of your banking, choose the product and pricing option that best suits your needs
and your pocket and don’t forget to relook your options as your needs change.

Remember: Transactions performed in An Absa Branch is more expensive than transactions done at
an Absa ATM, using Online, Mobile or Telephone Banking.

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 fee from as little as R65,00 a month for a set number of transactions and
various value-added services. On the Gold Value Bundle and Premium Banking, unused transactions
roll over to the next month.

3. Prepaid Debit Card

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

4. Rebate Banking
You will receive a rebate on the banking fees for certain transactions if you keep a set minimum
balance in your transactional, savings or investment account throughout the month. (The amount
required differs from account to account.)

Where can I find out about the pricing applicable to my account?

The pricing on your and all other Absa accounts can be found on the website (absa.co.za). You can also
call the Absa Price Line on 08600 08600 and we’ll be able to explain specific fees and the various
pricing options available to you.

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Frequently asked questions
How do debit orders make my life easier?
A debit order is an instruction from you that allows third-party service providers and banks to collect
money automatically from your bank account. Customers who choose to use debit orders should
always make sure that there is enough money in their account to cover the amount of the debit order.

What does ‘tracking’ a debit order mean?

If a debit order is processed and there are insufficient funds available in your account, the third
party can try to debit your account again when funds become available. This is commonly referred
to as ‘tracking’. However, in the event that there are insufficient funds in your account on the due
date of your tracked debit order, the unsuccessful fee will be charged.

How can I track my debit orders?

To be safe, check that your debit orders have all been processed correctly. If you notice any
discrepancy, you can dispute the debit order and claim back the amount taken from your account.

You can also register for NotifyMe and receive an SMS notification every time there is a transaction
on your account.

How can I dispute a debit order?

You can dispute a debit order by visiting a branch or going online. If you dispute a debit order within
40 days of the debit order being debited from your account, the amount will be credited to your
account immediately.

How can I cancel a debit order?

You can only cancel a debit order by contacting the service provider directly and instructing them to
do so.

If the third party continues to collect the debit order from your account after you have
cancelled it, you can dispute the debit order or, alternatively, provide Absa with a written stop
payment instruction.

How can I avoid rejected debit order fees?

Arrange for your debit orders to be paid about two days after your salary/wage is deposited into your
account. This will ensure you have enough money in your account. Remember, you have the right to
choose the date that suits you.

What is an electronic funds transfer?

It is the transfer of money between accounts linked to your portfolio, for example, transferring money
between your current account and savings account.

What is a beneficiary payment?

It is a transaction used to pay a utility bill (municipal account) or beneficiary whose account is not
linked to your portfolio of accounts (i.e. you would pay school fees, an electricity bill or rent using
a beneficiary payment transaction).

What is an immediate payment?

By using our electronic channels you can pay single credit payments in real-time to beneficiaries
24 hours a day, seven days a week, 365 days a year. Note: There is a fee payable to make
a payment immediate.

44
Frequently asked questions
What is a cardless cash deposit?
You can deposit cash at any of our cash-accepting ATMs without using an ATM card. Note: Additional
fees will apply.

Why should I get eStatements?

No charges are applicable for eStatements. You receive them regularly and they are easy to file,
save and print.

How can I change to eStatements?

Simply logon to Absa Online (absa.co.za), click on the ‘Profile’ menu bar and then on ‘Manage
eStatements’. You can also make the change on Telephone Banking or by sending your request to
officialemail@absa.co.za

What is a debit card?

This card lets you pay for goods or services at retailers where you see the MasterCard® or Visa signs.
The money is taken off your account immediately.

What is an Absa-supported ATM?

These ATMs are supported by Absa and are dual-branded, i.e. Absa/Cash Express. Withdrawals made
from these ATMs attract higher charges than if you had used an Absa ATM, but lower than those if
you had used a Saswitch machine.

What is a Saswitch ATM?

These ATMs belong to other financial institutions and Absa does not own Saswitch ATMs, so when
you use them, you’ll be charged additional fees. If possible, always use an Absa ATM.

Disclaimer:
Fees quoted in this brochure are valid from 01 January 2019. Unless otherwise stated, fees include 15% VAT and are subject
to change.

Should there be 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 result in customers having to pay additional fees, or even the termination
of the product or service. In this event Absa is entitled to change the pricing option (for such products and services) by notice
to a pricing option that is the same or similar to that for business customers.

E&OE

Terms and conditions apply Authorised Financial Services Provider Registered Credit Provider Reg No NCRCP7

45