Digital Banking

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Content page

Introduction 3

Digital Channels 4

Cellphone Banking 5

Mobile App (Smartphones and tablets) 6

Digital payment methods: 7

What you can do 8

Notes: 10

3Introduction

The rapid growth of information and communication technologies and innovation in digital systems represent a revolution that has fundamentally changed the way people think, behave, communicate, work and earn their livelihood. This so-called digital revolution has forged new ways to create knowledge, educate people and disseminate information.

At Standard Bank weve embarked on a journey to simplify banking through Digital. Not only do we help our customers save time but we also save them money as it is cheaper to transact on Digital.

We also reward customers when transacting on Digital.

This document has been published to assist you with understanding the value of each channel and the convenience they provide to improve the lives of our customers.

Digital Channels

There are currently 4 channels that customers can use to do there day to day banking at their convenience and not have to stick to normal banking hours. These are as follows:

Cellphone banking also known as USSD

(Unstructured Supplementary Service Data)

Mobile App for

Smartphones

Tablet App for TabletsInternet

banking

Internet banking

Internet banking gives you access to your personal and business accounts online anytime, anywhere. Its the perfect way to do your banking whether from home, the office or when travelling because the service is available 24 hours a day, 7 days a week.

Internet banking gives you the freedom to choose your own banking hours giving you greater control of your finances. Its secure, fast and easy to use.

You can transact on all accounts linked to your AutoBank, MasterCard and Business AutoBank card. You can also view statements, make payments, apply for an overdraft, and open investment and savings accounts.

Note: There is No monthly subscription fee associated with Internet banking.

R

Go to www.standardbank.co.za

and click on Go button next to the Internet Banking option in the top right-hand corner. The Internet banking log on page will then be displayed on the log on page click on the New registration option in the left-hand menu.

Enter your card number and ATM PIN and click on the register button Follow the on screen instructions to complete the registration process.

Note: If you use Telephone or Cellphone banking, you do not have to create a new customer-selected PIN (CSP) because you can use the same CSP to access Internet banking (Same applies to Cellphone banking and mobile app).

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Getting started

To register for Internet Banking you need to have at least one Standard Bank account linked to a Standard Bank card.

Information is not stored on your phone and the Cellphone banking system uses encryption to ensure that the session is secure. Even if your phone is stolen, no one will be able to transact on your phone.

You also log on using your card number and a Customer Selected PIN (CSP) that you will have selected. As long as you keep these numbers to yourself, no one else will be able to access your bank accounts.

Remember: Network charges apply your service provider will charge for the amount of information sent to and from your cellphone. These charges are low but are set by your network.

Note: There is No monthly subscription fee associated with Cellphone banking.

Cellphone banking

This service allows you to

access Cellphone banking

through a dial-up session.

(You may use any cellphone for this option)

To get started on Cellphone

banking just simply dial

*120*2345# for General

Banking or *130*2345# for

Prepaid Services.

To use the Quick Prepaid Top-Up service simply dial *130*2345# There is no network cost to you when you use the Quick Top-Up option as you do not need airtime to make the call. This number is specifically for airtime recharge and prepaid electricity and will not incur any network charges to yourself.

Please remember: You may buy only up to R500 of prepaid airtime per day, and this is a limit set for security purposes.

Note: If you use telephone or Internet banking, you do not have to create a new customer-selected PIN (CSP) because you can use the same CSP to access Internet banking.

Other Services available:

*130*2345# Prepaid top-up

*120*1477# Instant-Money

*120*5626# Personal Loan Offering

*120*2345*67# AccessPoint Locator

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Mobile App for Smartphones and Tablets

Standard Banks smartphone app conveniently lets you do your banking on the go.

Youll be able to use a number of Standard Bank services through this app even if you do not have an account with us.

The Standard Bank smartphone app, is available on iPhone and Android.

Simply download the app from your App Store

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Getting StartedIn 5 easy steps:

1*Network providers standard data charges will apply.

Download the app from the app store.

2by entering your email address and creating a password.

Set up your Standard Bank ID 3

you can link both personal and business accounts.

Link up your bank accounts

4Insurance and online Share Trading.

Link your other products

5and discover all the useful new features at your fingertips!

Start banking

The new, convenient way to pay is with your smartphone.Introducing SnapScan powered by Standard Bank.

Open SnapScan to scan the SnapCode. Enter the amount and confirm with your four digit PIN.

The store will receive a payment confirmation SMS. Enjoy unbelievably simple payments, no matter who you bank with.

See what you like. No need for cash or card swipes. All you need is your smartphone.

www.getsnapscan.com#Snappy

Make fast, easy and secure payments onlinewith Standard Bank MasterPass powered by MasterCard.

Youll then receive a confirmation of purchase.

And thats it. Youre good to go! Enjoy purchasing without ever having to enter your details online again.

Find what you want online, add to cart, click on the MasterPass payment button.

Open the Standard Bank MasterPass app on your cellphone, scan the QR Code and enter your ATM PIN or One Time Password.

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What you can do

Services / features of Digital channels Internet bankingCellphone banking

Smart Phone App

Tablet App

Payment

Payment Confirmation X X X X

Repeat payments can be loaded for a period of 12months

X

Bill payment X X

Pay Fines X

Future dated payments X

Once-off Payment X X X X

Stop payments and debit orders X

Pay beneficiaries that have been preloaded onto your banking profile. These are added on internet banking

X X X X

Transfers

Instant Money (Collect Cash at ATM or selected retailer) Limited to R5000.00

X X

lnter-account Transfers X X X X

Send Money (Send money via cellphone number to a standard bank customer)

X X X

Other Services

Balance Enquiry X X X X

Provincial Statement X X X X

Recharge prepaid airtime X X X X

Purchase prepaid electricity X X X X

SMS Notification X X X X

Increase or decrease overdraft X

Decrease daily transaction limits X

Unit trusts- statements, prices, balance X

Open and manage savings investment accounts X

Order a chequebook X

Add and remove beneficiaries X

Change pin X X X X

Calculators- Quickly and easily calculate vehicle repayments, home loan and home loan affordability

X

IT3B X

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Description The Electronic Bill Presentment and Payment is a facility used to pay bills electronically.

Features The EBPP facility enables customers to pay bills electronically.

Standard Bank South Africa uses the customers identity document (ID) number to retrieve bills issued by participating billers, to the customers.

Note: Participating billers are billers added to the list of billers to be paid electronically.

Services available to the customer

The customer may:

add a biller; view bills; pay bills; view a list of billers on their bill payments profile; delete a biller; and view the last five payments made to a biller.

Benefits Customers:

settle their outstanding bills 24 hours a day; save time. No need to queue at billers offices/businesses; pay their bills where and when it is most convenient for them; have access to their bills wherever there is an internet connection; and may retrieve new bills when they become available from billers.

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Notes:

Linking of accounts to a card can only be done at a branch.

There is no restriction on the number of devices you can download and install the tablet app on. However, only one user can be registered on the app on a particular device.

UCount Benefits

Initiate 3 transactions a month (excluding prepaid transactions) on any of the Digital Channels and earn 50 UCount points a month, provided that you are registered for UCount.

Bank Fees

Below are some examples of transactional pricing by segment and channel, wherein the benefits for customers to transact using Digital is highly beneficial.

Channel pricing comparison

Inclusive Banking Personal Markets Business Banking

Transaction type Bank fee Digital fee Branch fee Digital fee Branch fee Digital fee

Balance enquiry R28.00 R0.00 R6.00 R0.00 R6.00 R0.00

Provisional statement R28.00 R0.00 R16.00 R0.00 R17.00 R0.00

Prepaid purchase (ATM) R1.00 (min) R0.00 R1.00 (min) R0.00 R1.00 (min) R0.00

Inter account transfer R28.00 R2.00 R33.00 R3,50 R44.00 R5.00

Mini-statement R28.00 R0.00 R6.00 R0.00 R6.00 R0.00

Stop order maintanance R16.00 R0.00 R16.00 R0.00 R16.00 R0.00

All prices include VAT and are subject to change.

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