Online Banking

RMB Private Bank

User Guide

June 2023

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Online Banking User Guide RMB Private Bank 1

Online Banking RMB Private Bank 2
Table of Contents

Table of Contents........................................................................................................................................................ 3

AN INTRODUCTION TO ONLINE BANKING ................................................................................................................. 20

1.1 Introduction ........................................................................................................................................................ 21

1.2 An Overview of Online Banking Functionality .................................................................................................... 21
1.3 Primary and Secondary Users ............................................................................................................................. 22
1.4 Client ID and Support Number ............................................................................................................................ 23
1.5 Digital Banking Support ...................................................................................................................................... 23
1.6 User Guide and Online Banking Help .................................................................................................................. 23
1.7 File Layouts and Import Templates .................................................................................................................... 23
1.8 Online Banking Security ...................................................................................................................................... 24
Personalised Log in Credentials ............................................................................................................................................... 24
Login History ............................................................................................................................................................................ 24
My Devices and Browsers ........................................................................................................................................................ 24
Smart inContact ....................................................................................................................................................................... 24
The One-Time PIN (OTP) .......................................................................................................................................................... 24
inContact Messaging ............................................................................................................................................................... 25
Trend Micro™ Titanium Maximum Security............................................................................................................................. 25
Daily Profile Limits ................................................................................................................................................................... 25
1.9 Fraud Prevention and Security Centre ................................................................................................................ 26
1.10 Channel Stand-In .............................................................................................................................................. 27
1.11 Cookie Policy ..................................................................................................................................................... 28

PRE-LOGIN FUNCTIONALITY ...................................................................................................................................... 29

2.1 Forgot Username or Password ........................................................................................................................... 30

View your Username (Pre-Login) ............................................................................................................................................. 30
Reset your Password (Pre-Login) ............................................................................................................................................. 30
Reset your Username and/or Password (Pre-Login) ................................................................................................................ 31

HOME TAB ................................................................................................................................................................ 33

Home Tab Overview ................................................................................................................................................. 34

View Login History ................................................................................................................................................................... 35
Things you can do Online ......................................................................................................................................................... 38
Offers for You........................................................................................................................................................................... 38
eBucks Rewards ....................................................................................................................................................................... 38
View your Pricing/Rewards Letters .......................................................................................................................................... 39
View our Terms and Conditions ............................................................................................................................................... 39

CONTACT US ............................................................................................................................................................. 40

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 Contact Us Overview ................................................................................................................................................ 40
Messages .................................................................................................................................................................. 41
Secure Chat ............................................................................................................................................................... 42
Interact with a Banker in Real-Time ........................................................................................................................................ 42
Access Menu-Based Information and Assistance..................................................................................................................... 43
Secure Call / View Contact Details ............................................................................................................................ 44
Compliments, Complaints, and Queries / Suggestions ............................................................................................. 44

MY PROFILE .............................................................................................................................................................. 45

My Profile Overview ................................................................................................................................................. 45

Personal Details ........................................................................................................................................................ 46
Personal Details that can be Maintained Online ..................................................................................................................... 47
Maintain your Personal Details ............................................................................................................................................... 48
Personal FICA Documents ........................................................................................................................................................ 49
View and Maintain Compliance Status .................................................................................................................................... 51
Upload Outstanding FICA Documents ..................................................................................................................................... 52
Tax Information ........................................................................................................................................................ 53

ONLINE BANKING SETTINGS ...................................................................................................................................... 55

Online Banking Settings Overview ............................................................................................................................ 56

BUSINESS PROFILES ........................................................................................................................................................... 57
Business Profiles Overview ....................................................................................................................................... 58
Maintain Business Profile ......................................................................................................................................... 58
Business Details ....................................................................................................................................................................... 58
Business Operating Address .................................................................................................................................................... 60
Nature of Business ................................................................................................................................................................... 61
Contact Details ........................................................................................................................................................................ 61
My Preferences ........................................................................................................................................................................ 62
My Vault .................................................................................................................................................................................. 63
Pending Changes ..................................................................................................................................................................... 64
Related Parties ......................................................................................................................................................... 65
View Related Parties ................................................................................................................................................................ 65
Add a Related Party ................................................................................................................................................................. 67
Maintain a Related Party......................................................................................................................................................... 68
Delete a Related Party ............................................................................................................................................................. 69
My to do List ............................................................................................................................................................................ 69
ONLINE BANKING SUB-TAB ................................................................................................................................................. 70
Online Banking Sub-Tab Overview ........................................................................................................................... 71
Transaction Limits .................................................................................................................................................... 72
View and Manage Daily Profile Limits ................................................................................................................................... 72
Manage Profiles ....................................................................................................................................................... 75
Banking Profiles – Single Sign On (SSO) ................................................................................................................................... 75

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 Link a Banking Profile to Single Sign On (SSO)................................................................................................................... 76
Switch between Profiles Linked to Single Sign On ............................................................................................................. 77
Maintain Default Banking Profile for Single Sign On ........................................................................................................ 78
Delink a Profile from Single Sign-On .................................................................................................................................. 79
Channel Island Accounts ........................................................................................................................................... 80
Link Profiles.............................................................................................................................................................................. 80
De-Link Profiles ........................................................................................................................................................................ 81
Secondary Users ....................................................................................................................................................... 82
Primary User - Add a Secondary User ...................................................................................................................................... 83
Primary User - Resend a Security Code .................................................................................................................................... 85
Secondary User - Registering for Online Banking .................................................................................................................... 86
Secondary User – Logging in for the First Time ....................................................................................................................... 87
View Permissions ...................................................................................................................................................... 89
View Login History .................................................................................................................................................... 90
View Activity History................................................................................................................................................. 91
Security ..................................................................................................................................................................... 92
OTP - One-Time PIN ................................................................................................................................................................. 92
Where can you maintain OTP delivery preferences? ........................................................................................................... 93
Maintain OTP Preferences ................................................................................................................................................... 94
Primary User (Profile Owner)'s OTP Preferences ................................................................................................................. 94
Secondary User's OTP Preferences ...................................................................................................................................... 95
Change User ID & Password .................................................................................................................................................... 96
Retrieve Trend Micro™ Licence Key ......................................................................................................................................... 97
Temporarily Block/Unblock your Banking Profile .................................................................................................................... 98
Preferences ............................................................................................................................................................... 99
Default Account Settings ......................................................................................................................................................... 99
5.11 Visible Accounts ............................................................................................................................................................. 100
BANKING SUB-TAB .......................................................................................................................................................... 101
Banking Sub-Tab Overview ..................................................................................................................................... 102
My Devices and Browsers Overview ....................................................................................................................... 103
My Devices and Browser Alerts ............................................................................................................................................. 103
View My Devices and Browsers ............................................................................................................................................. 104
Verify a Device via Online Banking ........................................................................................................................................ 105
Verify a Device with a QR Code via the Banking App ............................................................................................................. 105
Delink a Device ...................................................................................................................................................................... 107
Maintain Device Name .......................................................................................................................................................... 108
Delink or Delete Browser ....................................................................................................................................................... 109
Manage My Subscriptions ...................................................................................................................................... 110
inContact ............................................................................................................................................................................... 110
Register for inContact........................................................................................................................................................ 111
Maintain your inContact Details ....................................................................................................................................... 112
Cellphone Banking .................................................................................................................................................. 113

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 Alerts ...................................................................................................................................................................... 114
My Balance Alerts .................................................................................................................................................................. 114
Register for the My Balance Alert Service ......................................................................................................................... 115
Maintain your My Balance Alert Service ........................................................................................................................... 116
Cancel My Balance Alert Service ....................................................................................................................................... 117
My Limit Alerts....................................................................................................................................................................... 118
Register for the My Limit Alert Service .............................................................................................................................. 119
Maintain your My Limit Alert Service ................................................................................................................................ 120
Cancel the My Limit Alert Service ...................................................................................................................................... 121
Scheduled Payment Alerts ..................................................................................................................................................... 122
Register for Scheduled Payment Alerts ............................................................................................................................. 123
Maintain your Scheduled Payment Alert Details ............................................................................................................... 124
Cancel the Scheduled Payment Alert Service ..................................................................................................................... 125

EBUCKS REWARDS TAB ........................................................................................................................................... 126

4.1 eBucks Rewards Tab Overview ......................................................................................................................... 126

What is eBucks? ..................................................................................................................................................................... 126
The eBucks Rewards Tab Landing Page ................................................................................................................................. 127
4.2 eBucks Functionality ......................................................................................................................................... 128
Go to eBucks.com .................................................................................................................................................................. 128
Join eBucks............................................................................................................................................................................. 129
Order eBucks Card ................................................................................................................................................................. 130
Link Now ................................................................................................................................................................................ 131

1. MY BANK ACCOUNTS TAB ............................................................................................................................... 132

6.1 My Bank Accounts Overview ............................................................................................................................ 133

MY ACCOUNTS SUB-TAB .................................................................................................................................................. 135
6.2. My Accounts Overview .................................................................................................................................... 136
6.2.1 My Accounts Landing Page ........................................................................................................................................... 136
6.3 eZiPay ............................................................................................................................................................... 138
6.4 eZiTransfer ........................................................................................................................................................ 139
6.5 eZiStatements ................................................................................................................................................... 140
6.6 Account Settings ............................................................................................................................................... 141
6.6.1 Amend Basic Account Settings ...................................................................................................................................... 142
6.7 Account Settings: Cheque Accounts.................................................................................................................. 143
6.7.1 Link your Transactional Account to a Savings Account / Business Call Account and Bank your Change ...................... 144
6.7.1.1 Apply for a linked Savings Account / Business Call Account and Bank Your Change ............................................. 145
6.7.6.2 Add or Maintain your Bank Your Change Top-Up Amount .................................................................................... 146
6.7.3 Overdraft/Credit Facilty Maintenance .......................................................................................................................... 148
6.7.3.1 Apply for an Overdraft/Credit Facility ................................................................................................................... 149
6.7.3.2 Increase Overdraft/Credit Facility ......................................................................................................................... 150
6.7.3.3 Decrease the Limit of an Existing Overdraft/Credit Facility ................................................................................... 151
6.7.3.4 Cancel Overdraft/Credit Facility ............................................................................................................................ 152

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 6.7.4 Notification Services ..................................................................................................................................................... 153
6.7.4.1 inContact ............................................................................................................................................................... 153
6.7.4.2 Balance Alert ......................................................................................................................................................... 153
6.7.4.3 Limit Alert .............................................................................................................................................................. 153
6.7.4.4 Scheduled Payment Alert ...................................................................................................................................... 154
6.7.5 Bank Letters .................................................................................................................................................................. 155
6.7.5.1 Account Confirmation Letter ................................................................................................................................. 156
6.7.5.1.1 Generate an Account Confirmation Letter ......................................................................................................... 157
6.7.5.1.2 View an Existing Account Confirmation Letter ................................................................................................... 158
6.7.5.2 Visa Application Letter .......................................................................................................................................... 159
6.7.5.2.1 Generate a Visa Application Letter ..................................................................................................................... 160
6.7.5.3 Verify Bank Letters ................................................................................................................................................ 162
6.7.6 Order Tablet / Smartphone ........................................................................................................................................... 163
6.8 Account Settings: Easy Accounts ...................................................................................................................... 164
6.6.1 Change Pricing Option .................................................................................................................................................. 164
6.9 Account Settings: Credit Card Accounts ........................................................................................................... 165
Add and Maintain Credit Card Auto Payments ...................................................................................................................... 166
Add an Auto Payment ....................................................................................................................................................... 167
View an Existing Auto Payment......................................................................................................................................... 168
Maintain an Auto Payment ............................................................................................................................................... 168
Balance Transfer .................................................................................................................................................................... 170
Credit Limit Shifts................................................................................................................................................................... 171
6.10 Account Settings: Investment Accounts ......................................................................................................... 172
6.10.1 Withdraw .................................................................................................................................................................... 173
6.10.2 Close Account.............................................................................................................................................................. 175
6.10.3 Manage Interest ......................................................................................................................................................... 177
6.10.4 Reinvest at Maturity ................................................................................................................................................... 179
6.10.5 Pending Actions .......................................................................................................................................................... 181
6.10.5.1 View Pending Actions .............................................................................................................................................. 181
6.10.5.2 Maintain Pending Actions ........................................................................................................................................ 183
6.10.5.3 Delete Pending Actions ............................................................................................................................................ 184
6.11 Account Settings: Revolving Loan Facilities .................................................................................................... 185
6.11.1 View Revolving Loan Facility Details ........................................................................................................................... 185
6.11.2 Manage Revolving Loan Facility ................................................................................................................................. 186
6.11.3 Decrease Revolving Loan Facility ................................................................................................................................ 187
6.11.4 Settle and Close Revolving Loan Facility ..................................................................................................................... 188
6.12 Account Settings: Personal Loans ................................................................................................................... 189
6.12.1 View Personal Loan Details ......................................................................................................................................... 189
6.12.2 Manage Payment Arrangement (Arrears) .................................................................................................................. 190
6.12.2.2 Set Up a Payment Arrangement .......................................................................................................................... 191
6.12.2.3 View an Existing Payment Arrangement ............................................................................................................. 192
6.12.3 Download Settlement Quote ...................................................................................................................................... 193
6.11 Account Settings: Home Loan Accounts ......................................................................................................... 194

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 6.11.1 Third Party Payments.................................................................................................................................................. 195
6.11.1.1 Make a Third-Party Payment .............................................................................................................................. 195
6.11.1.2 View Third Party Payment History ....................................................................................................................... 196
6.11 Account Settings: Wesbank Vehicle Finance Accounts ................................................................................... 197
6.11.1 Settlement Quote........................................................................................................................................................ 197
6.12 Transaction History ........................................................................................................................................ 198
6.12.1 View Transaction History ............................................................................................................................................ 199
6.12.2 Search Transaction History ......................................................................................................................................... 200
6.20.3 View Cheque Image .................................................................................................................................................... 203
6.12.4 Detailed Transaction Information ............................................................................................................................... 204
6.13 Detailed Balance ............................................................................................................................................. 207
6.7.3 My Debit Orders............................................................................................................................................................ 208
6.7.3.1 View Debit Orders ................................................................................................................................................. 208
6.7.3.2 Search Debit Orders............................................................................................................................................... 208
6.7.3.3 Stop a Debit Order ................................................................................................................................................. 210
6.7.3.4 View Stopped Debit Orders History ....................................................................................................................... 212
6.7.3.5 Dispute (Reverse) a Debit Order ............................................................................................................................ 213
6.7.3.6 View Disputed Debit Orders History ...................................................................................................................... 215
6.7.4 DebiCheck Mandates Overview .................................................................................................................................... 217
6.7.4.1 View DebiCheck Mandates .................................................................................................................................... 218
6.7.4.3 Respond to a Pending DebiCheck Mandate........................................................................................................... 221
6.7.4.4 Suspend a DebiCheck Mandate ............................................................................................................................. 223
6.15 Statements ..................................................................................................................................................... 225
6.15.1 Statement History ....................................................................................................................................................... 227
View and Search Statement History .................................................................................................................................. 228
Download Statement History (Verified or Unverified) ....................................................................................................... 229
Email Statement History (Verified or Unverified) .............................................................................................................. 229
6.15.2 Interim Statements ..................................................................................................................................................... 231
6.15.3 Recreated Statements ................................................................................................................................................ 232
View Current Recreated Statement ................................................................................................................................... 233
Search a Recreated Statement .......................................................................................................................................... 233
Download the Current Recreated Statement .................................................................................................................... 234
Search for a Recreated Statement..................................................................................................................................... 235
Export a Recreated Statement .......................................................................................................................................... 236
6.22.4 Email Statements ........................................................................................................................................................ 237
Subscribe to Email Statements .......................................................................................................................................... 238
Maintain Email Statement Settings................................................................................................................................... 239
6.16.5 Tax Certificates ........................................................................................................................................................... 240
6.16.5.1 View Tax Guidelines............................................................................................................................................. 240
6.16.5.2 Retrieve Tax Certificate/s .................................................................................................................................... 241
6.16 Instant Solutions ............................................................................................................................................................ 243
6.16.1 Instant Accounting ...................................................................................................................................................... 244
6.16.2 Instant Financial Management ................................................................................................................................... 245

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 6.16.3 Instant Payroll............................................................................................................................................................. 246
6.16.4 Merchant Insights ....................................................................................................................................................... 247
6.16.5 Instant Invoicing ......................................................................................................................................................... 248
6.16.6 Instant Cashflow ......................................................................................................................................................... 249
6.17 DebiCheck Overview ....................................................................................................................................... 250
6.17.1 View DebiCheck Mandates ......................................................................................................................................... 251
6.17.2 View DebiCheck Mandate Details ............................................................................................................................... 252
6.17.3 Respond to a Pending DebiCheck Mandate ................................................................................................................ 253
6.17.4 Suspend a DebiCheck Mandate .................................................................................................................................. 255
6.17.5 Stop a DebiCheck Debit Order..................................................................................................................................... 257
6.17.6 Dispute (Reverse) a DebiCheck Debit Order ................................................................................................................ 259
MY CARDS SUB-TAB ........................................................................................................................................................ 261
6.18 My Cards Sub-Tab Overview ........................................................................................................................... 262
6.19 Activate Card .................................................................................................................................................. 263
Activate Card ......................................................................................................................................................................... 263
6.20 Reactivate Card .............................................................................................................................................. 264
6.21 Temporarily Block and Unblock your Card ..................................................................................................... 265
6.21.1 Temporarily Block a Card ............................................................................................................................................ 266
6.21.2 Unblock a Temporarily Blocked Card .......................................................................................................................... 267
6.22 Update Card Delivery Details .......................................................................................................................... 268
6.23 Online Secure .................................................................................................................................................. 270
6.23.1 Activate Online Secure ................................................................................................................................................ 271
6.23.2 Maintain Online Secure Details................................................................................................................................... 271
6.23.3 Unblock Card for Online Secure .................................................................................................................................. 271
6.24 Maintain Card Limits ...................................................................................................................................... 272
6.25 PIN Management ........................................................................................................................................... 273
6.25.1 View PIN ..................................................................................................................................................................... 273
6.25.2 Create / Modify PIN .................................................................................................................................................... 274
6.26 Cancel Card ..................................................................................................................................................... 275
6.27 Order Replacement Card ................................................................................................................................ 276
6.28 Order Additional Card ..................................................................................................................................... 278
6.29 Manage Linked Accounts................................................................................................................................ 280
6.29.1 View Linked Accounts ................................................................................................................................................. 280
6.29.2 Link Accounts .............................................................................................................................................................. 281
6.29.3 De-Link Accounts ........................................................................................................................................................ 282

7. TRANSFER TAB ................................................................................................................................................ 283

7.1 Transfers Tab Overview .................................................................................................................................... 284

7.1.1 Transfer Functionality ................................................................................................................................................... 285
BETWEEN ACCOUNTS SUB TAB .......................................................................................................................................... 286
7.2 Transfer Funds Between Accounts.................................................................................................................... 287
7.3 Transfer Funds to Budget ................................................................................................................................. 288

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 7.4 Transfer History ................................................................................................................................................ 289
7.4.1 View Transfer History ................................................................................................................................................... 289
7.4.2 Search Transfer History................................................................................................................................................. 289
7.5 Structured Loan Account Transfers .................................................................................................................. 291
7.5.1 Structured Loan Account - Request Deposit .................................................................................................................. 292
7.5.2 Structured Loan Account - Request Withdrawal ........................................................................................................... 293
7.6 Unit Trust Transfers .......................................................................................................................................... 294
7.6.1 Lump Sum Transfers ..................................................................................................................................................... 294
7.6.2 Disinvest Funds ............................................................................................................................................................. 295
SCHEDULED TRANSFERS SUB-TAB ....................................................................................................................................... 297
7.7 Scheduled Transfers Overview .......................................................................................................................... 298
7.7.1 Create a Scheduled Transfer ......................................................................................................................................... 299
7.7.2 View Scheduled Transfers ............................................................................................................................................. 300
7.7.3 Maintain a Scheduled Transfer ..................................................................................................................................... 301
7.7.4 Delete a Scheduled Transfer ......................................................................................................................................... 302

8. PAY TAB .......................................................................................................................................................... 303

8.1 Pay Tab Overview ............................................................................................................................................. 304

8.1.1 Payment Functionality .................................................................................................................................................. 305
8.1.2 Payment Service Types ................................................................................................................................................. 305
8.2 Business Rules for Payment Transactions ......................................................................................................... 306
8.2.1 Daily Profile Limits ........................................................................................................................................................ 306
8.2.2 Cross-Border Transactions within the Common Monetary Area (CMA)........................................................................ 308
8.2.3 Pay & Clear Now ........................................................................................................................................................... 309
8.2.4 Participating Banks - Pay & Clear Now ......................................................................................................................... 309
8.2.5 eFiling and Payment Cut-Off Times .............................................................................................................................. 311
8.2.6 Payment Processing Times ........................................................................................................................................... 314
8.2.7 Alpha Numeric Character Rules / Payment and Reference Names ............................................................................... 314
8.3 Payment Reversals ........................................................................................................................................... 315
PAYMENTS SUB-TAB ........................................................................................................................................................ 316
8.4 Payments Sub-Tab Overview ............................................................................................................................ 317
8.4.1 Payments Sub-Tab Functionality .................................................................................................................................. 317
8.4.1.2 Pay Recipient Landing Page ....................................................................................................................................... 318
8.5 Pay Recipient .................................................................................................................................................... 321
8.6 Add a Recipient ................................................................................................................................................. 323
8.6.1 Add a Beneficiary to your Recipient List........................................................................................................................ 324
8.6.2 Add a Public Recipient to your Recipient List ................................................................................................................ 326
8.7 View and Search Recipient List ......................................................................................................................... 327
8.8 View and Search Public Recipients ................................................................................................................... 328
8.9 Maintain a Recipient ........................................................................................................................................ 329
8.10 Delete a Recipient ........................................................................................................................................... 330
8.11 Branch Code Search ........................................................................................................................................ 331

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 8.12 Validate Recipient........................................................................................................................................... 332
Verify Account Owner ............................................................................................................................................. 333
Verify Account Owner Participating Banks ............................................................................................................................ 335
Verify Account Owner Responses .......................................................................................................................................... 336
Verify a Single Account Owner............................................................................................................................................... 337
Verify Multiple Account Owners ............................................................................................................................................ 337
Delete Verify Account Owner History .................................................................................................................................... 338
8.14 Payment History ............................................................................................................................................. 339
8.14.1 View Payment History................................................................................................................................................. 339
8.14.2 Search Payment History .............................................................................................................................................. 340
8.14.3 Pay Again from Payment History ................................................................................................................................ 342
8.15 Recipient Payment History ............................................................................................................................. 343
8.16 Proof of Payment Notifications ...................................................................................................................... 344
8.16.1 Create or Resend a Proof of Payment Notification ..................................................................................................... 345
8.16.2 Download or Print a Proof of Payment Notification ................................................................................................... 345
10.17 Activity Based Payments (ABP) ............................................................................................................... 346
8.17.1 View Activity Based Payments .................................................................................................................................... 346
8.17.2 Maintain an Activity Based Payment .......................................................................................................................... 347
8.17.3 Stop an Activity Based Payment ................................................................................................................................. 347
8.17.4 Restart an Activity Based Payment ............................................................................................................................. 348
8.18 My Bills ........................................................................................................................................................... 349
8.16.1 Add a MultiChoice Bill ................................................................................................................................................. 350
8.16.2 Pay a MultiChoice Bill ................................................................................................................................................. 351
8.16.3 View and Maintain MultiChoice Bills .......................................................................................................................... 352
8.16.4 Delete a MultiChoice Bill ............................................................................................................................................. 352
8.16.5 View your MultiChoice Payment History..................................................................................................................... 353
ONCE OFF PAYMENTS SUB-TAB ......................................................................................................................................... 354
8.17 Once-Off Payment .......................................................................................................................................... 355
8.17.1 Make a Once-Off Payment ......................................................................................................................................... 356
8.17.2 Make a Once-Off Payment to a Public Recipient ........................................................................................................ 357
PENDING PAYMENTS SUB-TAB ........................................................................................................................................... 359
8.18 Pending Payments .......................................................................................................................................... 360
8.16.1 Create an Import Payment File ................................................................................................................................... 361
8.16.2 Import a Payment File................................................................................................................................................. 361
8.16.3 View Pending Payments ............................................................................................................................................. 362
8.16.4 Pay Pending Payment Batches.................................................................................................................................... 362
8.16.5 Delete Pending Payment Batches ............................................................................................................................... 362
SCHEDULED PAYMENTS SUB TAB ........................................................................................................................................ 363
8.19 Scheduled Payments Overview ....................................................................................................................... 364
8.19.1 Create a Scheduled Payment ...................................................................................................................................... 365
8.19.1.1 Create a Scheduled Payment to an Existing Recipient......................................................................................... 365
8.19.1.2 Create a Scheduled Payment to a New Recipient ................................................................................................ 366

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 8.19.2 View Scheduled Payments .......................................................................................................................................... 368
8.19.3 Maintain a Scheduled Payment .................................................................................................................................. 369
8.19.4 Delete a Scheduled Payment ...................................................................................................................................... 370
TRAFFIC FINES SUB-TAB ................................................................................................................................................... 371
8.20 Traffic Fines Overview .................................................................................................................................... 372
8.20.1 View or Search Traffic Fines ........................................................................................................................................ 372
8.20.2 Pay Traffic Fine ........................................................................................................................................................... 373
8.20.3 View Traffic Fine Payment History .............................................................................................................................. 374
EFILING SUB-TAB ............................................................................................................................................................ 375

8.21 eFiling Overview ............................................................................................................................................. 376

8.21.1 View an eFiling Payment............................................................................................................................................. 378
8.21.1 Submit an eFiling Payment ......................................................................................................................................... 378
8.21.3 Delete an eFiling Payment .......................................................................................................................................... 379

11. BUY TAB ...................................................................................................................................................... 380

11.1 Buy Tab Overview ........................................................................................................................................... 381

AIRTIME & BUNDLES SUB-TAB........................................................................................................................................... 383
11.2 Airtime and Bundles Overview ....................................................................................................................... 384
11.3 My Phonebook ................................................................................................................................................ 385
11.3.1 Add a Recipient to your Phonebook ............................................................................................................................ 385
11.3.2 Maintain a Recipient in your Phonebook .................................................................................................................... 386
11.3.3 Delete a Recipient from your Phonebook ................................................................................................................... 386
11.4 Purchase Prepaid Airtime and Bundles for a Recipient .................................................................................. 387
11.5 Make a Once-Off Prepaid Purchase ................................................................................................................ 388
11.6 Prepaid Purchase History - Airtime & Bundles................................................................................................ 389
11.6.1 View Prepaid Purchase History - Airtime and Bundles ................................................................................................ 389
11.6.2 Search Prepaid Purchase History - Airtime and Bundles ............................................................................................. 389
SCHEDULED PREPAIDS SUB-TAB ......................................................................................................................................... 392
11.7 Scheduled Prepaid Purchases Overview ......................................................................................................... 393
11.8 Create a Scheduled Prepaid Purchase ............................................................................................................ 394
11.9 View Scheduled Prepaid Purchases ................................................................................................................ 395
11.10 Maintain a Scheduled Prepaid Purchase ...................................................................................................... 396
11.11 Delete a Scheduled Prepaid Purchase .......................................................................................................... 397
ELECTRICITY SUB-TAB ...................................................................................................................................................... 398
11.12 Prepaid Electricity Overview ......................................................................................................................... 399
11.13 My Electricity Recipients ............................................................................................................................... 400
11.13.1 Add a Recipient to your Electricity Recipient List ...................................................................................................... 400
11.13.2 Maintain a Recipient in your Electricity Recipient List .............................................................................................. 401
11.13.3 Delete a Recipient from your Electricity Recipient List .............................................................................................. 401
11.14 Purchase Prepaid Electricity for a Recipient ................................................................................................. 402
11.15 Purchase Prepaid Electricity Once-Off .......................................................................................................... 403

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 11.16 Claim Free Basic Electricity (FBE) Units for a Recipient ................................................................................ 405
11.17 Claim Free Basic Electricity (FBE) Units Once-Off ......................................................................................... 406
11.18 Prepaid Electricity Purchase History ............................................................................................................. 407
11.16.2 View Prepaid History - Electricity .............................................................................................................................. 407
11.16.2 Search Prepaid Purchase History - Electricity............................................................................................................ 407
LOTTO SUB-TAB ............................................................................................................................................................ 408
11.19 LOTTO Overview ........................................................................................................................................... 409
11.20 Play LOTTO ................................................................................................................................................... 411
11.20.1 View LOTTO Draw Details ......................................................................................................................................... 411
11.20.2 Play LOTTO ............................................................................................................................................................... 412
11.20.3 Play LOTTO QuickPick ............................................................................................................................................... 413
11.20.4 View and Replay from your LOTTO History ............................................................................................................... 414
POWERBALL SUB-TAB ...................................................................................................................................................... 415
11.21 PowerBall Overview...................................................................................................................................... 416
11.22 Play PowerBall .............................................................................................................................................. 418
11.22.1 View PowerBall Draw Details.................................................................................................................................... 418
11.22.2 Play PowerBall .......................................................................................................................................................... 419
11.22.3 Play PowerBall QuickPick .......................................................................................................................................... 420
11.22.4 View and Replay from your PowerBall History ......................................................................................................... 421
ENTERTAINMENT SUB-TAB ................................................................................................................................................ 422
11.23 Entertainment Overview .............................................................................................................................. 423
11.24 StarSat TV Overview ..................................................................................................................................... 424
11.25 Buy Prepaid StarSat TV Packages ................................................................................................................. 424
11.26 View StarSat TV Purchase History ................................................................................................................ 425

9. CONNECT TAB ................................................................................................................................................. 427

12.1 Connect Tab Overview .................................................................................................................................... 428

12.2 View SIM Cards ............................................................................................................................................... 429
12.3 Link SIM Card to My Profile ............................................................................................................................ 430
12.4 Activate a SIM Card ........................................................................................................................................ 431
12.5 Top-Up a SIM Card ......................................................................................................................................... 432
12.6 View SIM Card Settings................................................................................................................................... 433
12.7 Maintain SIM Card Settings ............................................................................................................................ 434
12.7.1 My SIM ....................................................................................................................................................................... 436
Change the Nickname of your SIM Card .......................................................................................................................... 436
Block SIM .......................................................................................................................................................................... 437
Unblock SIM ...................................................................................................................................................................... 438
12.7.2 SIM Usage .................................................................................................................................................................. 439
View SIM Usage ................................................................................................................................................................ 439
View Auto Top-Ups ........................................................................................................................................................... 440
Create an Auto Top-Up ..................................................................................................................................................... 441
Maintain an Auto Top-Up ................................................................................................................................................ 442

Online Banking User Guide RMB Private Bank 13

 Delete an Auto Top-Up ..................................................................................................................................................... 443
12.7.3 SIM Management ...................................................................................................................................................... 444
View PUK .......................................................................................................................................................................... 444
Order Replacement SIM ................................................................................................................................................... 445
SIM Swap .......................................................................................................................................................................... 446
12.7.4 Call Management ...................................................................................................................................................... 447
Call Forwarding ................................................................................................................................................................ 447
Multi-Party Conferencing ................................................................................................................................................. 449
12.7.5 International Services ................................................................................................................................................ 450
Outgoing Calls (International Calls) ................................................................................................................................. 450
SMS Roaming.................................................................................................................................................................... 452
Full Roaming ..................................................................................................................................................................... 453
12.7.6 My Account ................................................................................................................................................................ 454
Transfer............................................................................................................................................................................. 455
Set SIM Limit ..................................................................................................................................................................... 456
Maintain Billing Details .................................................................................................................................................... 457
12.7.7 Notifications ............................................................................................................................................................... 458
12.7.8 Downloads ................................................................................................................................................................. 459
Maintain Itemised Billing ................................................................................................................................................. 459
Download Billing Documents ........................................................................................................................................... 460
12.8 SIM Card Transaction History ......................................................................................................................... 460

13. SEND MONEY TAB ....................................................................................................................................... 462

13.1 Send Money Overview .................................................................................................................................... 463

SEND MONEY TO EWALLET SUB-TAB .................................................................................................................................. 464
13.2 eWallet - How it Works................................................................................................................................... 465
13.3 My Phonebook - eWallet Recipients ............................................................................................................... 466
13.3.1 Add a Recipient to your eWallet Phonebook .............................................................................................................. 466
13.3.2 Maintain a Recipient in your eWallet Phonebook....................................................................................................... 467
13.3.3 Delete a Recipient from your eWallet Phonebook ...................................................................................................... 467
13.4 Send Money to an eWallet ............................................................................................................................. 468
13.4.1 Send Money to an existing eWallet Recipient ............................................................................................................. 468
13.4.2 Send Money to a Once-Off Recipient .......................................................................................................................... 469
13.5 View eWallet Payment History ....................................................................................................................... 470

14. WILLS TAB ................................................................................................................................................... 471

15.1 Wills Overview ................................................................................................................................................ 472

15.2 Wills Assistance .............................................................................................................................................. 473
15.3 Create a Will ................................................................................................................................................... 473
15.3 View and/or Download your Will ................................................................................................................... 475
15.4 Maintain your Will .......................................................................................................................................... 476
15.5 Delete your Pending Will ................................................................................................................................ 476
15.6 Safe Keeping Service: Storage of your Will ..................................................................................................... 476

Online Banking User Guide RMB Private Bank 14

15. MY INVESTMENTS ....................................................................................................................................... 477

13.1 My Investments Overview .............................................................................................................................. 478

13.2 The Investment Dashboard............................................................................................................................. 479
13.3 Investment Details .......................................................................................................................................... 481
13.6 Account Settings: Unit Trusts ......................................................................................................................... 483
13.6.1 Add a Lump Sum Investment ...................................................................................................................................... 484
13.6.2 Manage Recurring Investments .................................................................................................................................. 484
13.6.2.1 View a Recurring Debit Order .............................................................................................................................. 485
13.6.2.2 Create a Recurring Debit Order ........................................................................................................................... 486
13.6.2.3 Maintain a Recurring Debit Order ....................................................................................................................... 487
13.6.2.4 Delete a Recurring Debit Order ........................................................................................................................... 488
13.6.3 Switch Funds ............................................................................................................................................................... 489
13.6.4 Disinvest Funds ........................................................................................................................................................... 490
13.6.5 View Documents ......................................................................................................................................................... 492
13.6.6 Submit a General Instruction ...................................................................................................................................... 493

16. INVEST IN SHARES + GOLD TAB.................................................................................................................... 494

14.1 Invest in Shares and Gold Overview ............................................................................................................... 495

14.2 Share Investing Products ................................................................................................................................ 496
Tax-Free Share Saver ......................................................................................................................................................... 496
Share Saver........................................................................................................................................................................ 496
Share Builder ..................................................................................................................................................................... 496
Share Investor ................................................................................................................................................................... 497
MY PORTFOLIO SUB-TAB .................................................................................................................................................. 498
14.3 My Portfolio Overview .................................................................................................................................... 499
14.4 View Share Investing Portfolio ........................................................................................................................ 500
14.6 View Shares Info ............................................................................................................................................. 502
14.6.1 View Shares Info - Share Investor ............................................................................................................................... 503
14.7 View Krugerrand Info...................................................................................................................................... 504
14.8 View Daily Indicators ...................................................................................................................................... 505
14.9 Buy Shares ...................................................................................................................................................... 506
14.9.1 Buy Shares - Share Saver Products .............................................................................................................................. 506
14.9.2 Buy Shares - Share Builder .......................................................................................................................................... 507
14.9.3 Buy Shares - Share Investor ........................................................................................................................................ 508
14.10 Buy Krugerrands ........................................................................................................................................... 510
14.11 Sell Shares ..................................................................................................................................................... 512
14.11.1 Sell Shares - Share Saver Products ............................................................................................................................ 513
14.11.2 Sell Shares - Share Builder......................................................................................................................................... 514
14.11.3 Sell Shares - Share Investor ....................................................................................................................................... 515
14.12 Sell Krugerrands............................................................................................................................................ 517
14.13 Instruction Maintenance - Share Saver Products ......................................................................................... 519
14.14.1 Enable InvestMyChange ........................................................................................................................................... 520

Online Banking User Guide RMB Private Bank 15

 14.14.2 Maintain Instruction ................................................................................................................................................. 521
14.14 Detailed Balance ........................................................................................................................................... 522
14.15 Transaction History ...................................................................................................................................... 524
14.15.1 View Cash Transaction History ................................................................................................................................. 525
14.15.2 View Holdings Transaction History ........................................................................................................................... 526
14.15.3 View Order History.................................................................................................................................................... 528
14.16 Cancel Order ................................................................................................................................................. 529
14.17 Switch/Upgrade Account .............................................................................................................................. 530
MY NOTIFICATIONS SUB-TAB ............................................................................................................................................ 532
14.18 My Notifications Overview ........................................................................................................................... 533
14.19 My Watch List ............................................................................................................................................... 534
14.19.1 Add an Instrument to your Watch List ...................................................................................................................... 535
14.19.2 View the Instruments on your Watch List ................................................................................................................. 536
14.19.3 Maintain the Instruments on your Watch list ........................................................................................................... 537
14.19.4 Remove an instrument from your Watch List ........................................................................................................... 538
14.19.5 Buy an Instrument via your Watch List ..................................................................................................................... 539
14.19.6 Sell an Instrument via your Watch List ..................................................................................................................... 540
14.20 My Price Alerts.............................................................................................................................................. 541
14.20.2 View instruments with Price Alerts ........................................................................................................................... 543
14.20.3 Maintain the Price Alert on an instrument ............................................................................................................... 544
14.20.4 Remove the Price Alert on an Instrument ................................................................................................................. 545
14.20.5 Buy an instrument via your Price Alert list ................................................................................................................ 546
14.20.6 Sell an instrument via your Price Alert list ................................................................................................................ 547

15. FOREX TAB................................................................................................................................................... 548

15.1 Forex Tab Overview ........................................................................................................................................ 549

Global Accounts................................................................................................................................................................. 549
Multi-Currency Debit Cards ............................................................................................................................................... 549
Forex Functionality on Online Banking .............................................................................................................................. 550
15.2 Global Payments............................................................................................................................................. 551
15.2.2 Add a Global Recipient................................................................................................................................................ 551
15.2.3 Maintain a Global Recipient ....................................................................................................................................... 553
15.2.4 Delete a Global Recipient............................................................................................................................................ 553
15.2.5 View or Search Global Recipients................................................................................................................................ 553
15.2.6 Once-Off Global Payment ........................................................................................................................................... 555
15.2.7 Pay a Global Recipient ................................................................................................................................................ 559
15.2.8 View Global Payment History ..................................................................................................................................... 562
15.3 Global Receipts ............................................................................................................................................... 563
15.3.1 View New Global Receipts .......................................................................................................................................... 564
15.3.2 Process New Global Receipts ...................................................................................................................................... 564
15.3.2.1 Reject a Global Receipt ........................................................................................................................................ 565
15.3.2.2 Process a Global Receipt...................................................................................................................................... 565
15.3.3 Maintain a Global Receipt .......................................................................................................................................... 567

Online Banking User Guide RMB Private Bank 16

 15.3.3.1 Maintain a Pending Global Receipt ..................................................................................................................... 567
15.3.3.2 Get a Quote for a Pending Global Receipt ........................................................................................................... 568
15.3.4 View Global Receipt History ........................................................................................................................................ 569
15.3.5 View Global Receipt Details ....................................................................................................................................... 570
15.3.6 Manage Standing Instructions .................................................................................................................................. 571
15.4 Global Transfers ............................................................................................................................................. 572
15.4.1 Create a Global Transfer ............................................................................................................................................. 573
15.4.2 Maintain a Global Transfer ......................................................................................................................................... 575
15.4.2.1 Maintain a Pending Global Transfer.................................................................................................................... 575
15.4.2.2 Delete a Pending Global Transfer ........................................................................................................................ 576
15.4.2.3 Get a Quote for a Pending Global Transfer ......................................................................................................... 576
15.4.3 View Global Transfer History ...................................................................................................................................... 577
15.4.4 View Global Transfer Details....................................................................................................................................... 578
15.5 Order Forex ..................................................................................................................................................... 579
15.5.1 Buy Forex Notes and/or Cash Passports ..................................................................................................................... 580
15.5.2 Order Forex - Upload Documents ............................................................................................................................... 583
15.5.3 Maintain Cash Passports ............................................................................................................................................ 584
15.5.3.1 Load Cash Passport ............................................................................................................................................. 584
15.5.3.1 Cash Out Passport ............................................................................................................................................... 586
15.5.4 View Forex Order History ............................................................................................................................................ 587
PAYPAL SERVICES ............................................................................................................................................................ 588
15.6 PayPal Overview ............................................................................................................................................. 589
15.6.1 Link your PayPal Account ....................................................................................................................................... 590
15.6.2 Top Up your PayPal Account .................................................................................................................................. 591
15.6.3 Withdraw Funds from your PayPal Account ........................................................................................................... 592
15.6.4 View your PayPal Transaction History .................................................................................................................... 593

16. WILLS........................................................................................................................................................... 594

16.1 Wills Overview ................................................................................................................................................ 595

17. MERCHANT SERVICES .................................................................................................................................. 597

17.1 Merchant Services Overview .......................................................................................................................... 598

17.2 Merchant Services - View Transaction History ............................................................................................... 598
17.4 Merchant Services - View Receipts ................................................................................................................. 599
17.5 Merchant Services - Search Transactions ....................................................................................................... 600

18. BUSINESS SOLUTIONS TAB........................................................................................................................... 601

Business Solutions Overview................................................................................................................................... 602

Compliance Update ................................................................................................................................................ 603
BEE Compliance Declaration .................................................................................................................................................. 603
Bank Feeds.............................................................................................................................................................. 605
Set Up (Sage) Bank Feeds and Connect Accounts .................................................................................................................. 606
19.3.2 Generate a New Authorisation Code .......................................................................................................................... 607

Online Banking User Guide RMB Private Bank 17

 19.3.3 Maintain (Sage) Bank Feeds Integration .................................................................................................................... 607
19.3.4 Remove (Sage) Bank Feeds Integration and Disconnect Accounts ............................................................................. 608
For My Business ...................................................................................................................................................... 609
Instant Solutions .................................................................................................................................................................... 610
Instant Accounting Overview ............................................................................................................................................ 610
Instant Invoicing Overview ................................................................................................................................................ 611
Instant Cashflow Overview ................................................................................................................................................ 611
Instant Payroll Overview ................................................................................................................................................... 612
Register for Instant Solutions ............................................................................................................................................ 612
Verify Account Owner ............................................................................................................................................. 613
Verify Account Owner Participating Banks ............................................................................................................................ 614
Verify Account Owner Responses .......................................................................................................................................... 615
Verify a Single Account Owner............................................................................................................................................... 617
Verify Multiple Account Owners ............................................................................................................................................ 617
View Verify Account Owner History ....................................................................................................................................... 618
Delete Verify Account Owner History .................................................................................................................................... 618
Employee Benefits .................................................................................................................................................. 619
View Employee Benefit Fund Details (Employer) ................................................................................................................... 620
View Fund Contribution History ............................................................................................................................................. 621
View Detailed Balance of Fund .............................................................................................................................................. 621
Submit and/or View Queries History ..................................................................................................................................... 622

CASH SERVICES TAB ................................................................................................................................................ 623

Cash Services Overview .......................................................................................................................................... 624

Add a Cash Order Request ...................................................................................................................................... 625
Denominations ...................................................................................................................................................................... 625
Cash Ordering Cut-Off and Processing Times ........................................................................................................................ 625
Add a Cash Order Request ..................................................................................................................................................... 625
View and/or Search Cash Order History ................................................................................................................. 627
Cash Order Statuses............................................................................................................................................................... 627
View and/or Search Cash Orders ........................................................................................................................................... 627
Maintain a Pending Cash Order ............................................................................................................................. 628
Cancel a Pending Cash Order ................................................................................................................................. 629
Repeat a Cash Order Request ................................................................................................................................. 629
Request a Cash Clearance ...................................................................................................................................... 630
Cash Clearance Statuses ........................................................................................................................................................ 630
Request a Cash Clearance ...................................................................................................................................................... 630
Delete a Pending Cash Order or Cash Clearance .................................................................................................... 631

19. EMPLOYEE BENEFITS ................................................................................................................................... 632

Employee Benefits Overview .................................................................................................................................. 633

View Employee Benefit Details ............................................................................................................................... 634
View Fund Portfolio ................................................................................................................................................ 635

Online Banking User Guide RMB Private Bank 18

 View your Risk Benefits .......................................................................................................................................... 636
Access Value Adds and Tools .................................................................................................................................. 637
Calculate Salary Replacement Ratio ...................................................................................................................................... 637
Life Events and your Financial Planning ................................................................................................................. 637
Maintain the Beneficiaries on your Fund ................................................................................................................ 639
Download Administrative Forms ............................................................................................................................ 640

Online Banking User Guide RMB Private Bank 19

 An Introduction to Online
Banking

Online Banking User Guide RMB Private Bank 20

1.1 Introduction

Welcome to Online Banking, giving you banking convenience with greater flexibility wherever and whenever
it suits you.

Online Banking allows you the benefit of direct, secure and real-time electronic access to your RMB
accounts, as well as the opportunity to manage your finances anytime, anywhere.

1.2 An Overview of Online Banking Functionality

• A single view of all the accounts linked to your Online Banking profile
• Real time account balances
• Detailed transaction history and transaction search functionality.
• Retrieval of current and historical account statements
• Account maintenance
• Stop debit orders
• Transfer funds between your accounts, including future dated transfers and scheduled/recurring
transfers
• Make payments to 3rd parties, including future dated payments, scheduled/recurring payments or
once-off payments
• Send money to a recipient without an account
• Purchase Prepaid Services such as Airtime & Bundles and Electricity
• Purchase LOTTO and PowerBall tickets
• Buy and Sell Shares and Krugerrands
• View your investment Portfolio
• View your Insurance Portfolio
• Buy Forex currency, make and receive Forex payments and top up or withdraw from your PayPal
account.

Online Banking User Guide RMB Private Bank 21

1.3 Primary and Secondary Users

There are two types of users on Online Banking, a Primary User (Profile Owner) and a Secondary User.

Primary User (Profile Owner)

• Owner of the Online Banking profile.

• Has full access to all functionality relevant to the accounts that are linked to their profile.

Secondary User

• Third party user which has been added to the Online Banking profile by the Primary User (Profile
Owner).
• Has limited access which is determined by the permissions, Transact and/or Viewing, and
Transaction Limits that the Primary User (Profile Owner) sets.

An Online Banking user will only have access to the functionality pertaining to their linked products /
accounts and, in the case of a Secondary User, have been given permissions to.

For security purposes, certain functionality is not available to Secondary Users at all and will not be visible.

Online Banking User Guide RMB Private Bank 22

1.4 Client ID and Support Number

Your Client ID and Support Number will be shown in the footer at the bottom left of each page.
When contacting Digital Banking Support, our agents will require these numbers to assist you.

1.5 Digital Banking Support

Help is at your fingertips 24/7.

Digital Banking Support Contact Centre

• Contact our Digital Banking Support agents at 087 575 0000 for navigational and technical
assistance.
• Our agents will require your unique Client ID and Support Number to assist you; these numbers
are displayed at the bottom left of every page.

Digital Banking Support Operating Hours

Monday - Friday 08h00 - 19h00
Saturday 08h00 - 17h00
Sunday 08h00 - 17h00
Public Holidays Closed

1.6 User Guide and Online Banking Help

For your convenience, a step by step User Guide is available for all functionality on Online Banking.

Simply click on the hamburger menu and select Help.

1.7 File Layouts and Import Templates

The Primary User (Profile Owner) has the option to add multiple recipients simultaneously via a file import
into Online Banking.

The required File Layouts and Templates are available in the Online Banking Help; simply click on the
hamburger menu and select Help.

Online Banking User Guide RMB Private Bank 23

1.8 Online Banking Security

Online Banking is continuously being enhanced and we are always investigating new methods to improve
upon our security features.

The following Security Mechanisms can be maintained via your Online Banking Settings.

Online Banking offers a multi-layered security approach:

Personalised Log in Credentials

• You will require a Username and Password to log into your Online Banking profile.
• These credentials are created by you personally and should be kept safe at all times.
• Never share these details with anyone.

Login History
• If you are the Primary User (Profile Owner), you can view the login events on your profile, for both
yourself and your Secondary Users for the past 14 days.
• The following information is displayed:
o Date & Time
o Event Description (successful / unsuccessful
• For your convenience, your last login event is displayed at the top of the Home Tab.

My Devices and Browsers

• Use this functionality to view and manage the Devices and Browsers that are used to access your
Online Banking profile.
• We recommend that you view your linked Devices and Browsers periodically so that you can detect
fraudulent or unsafe behaviour.

Smart inContact
• If you have the Banking App and you have linked it to your Online Banking profile, you will receive
log in notifications via FNB Instant Messaging and, when performing certain transactions, you will
receive a push notification on your device which will enable you to confirm or reject the transaction.

The One-Time PIN (OTP)

• If you do not have the Banking App or you have not linked it to your Online Banking profile, you will
receive an OTP via SMS when performing certain functionality.
• The OTP is a unique 4-digit security PIN which is time-sensitive; you will be required to enter this

Online Banking User Guide RMB Private Bank 24

 OTP as confirmation when performing these functions.

inContact Messaging
• inContact is an innovative messaging service which keeps you in touch with financial transactions
on your accounts as they occur.
• Receive alerts of account activity such as deposits, transfers, withdrawals, and purchases on all
your transactional accounts in real-time via SMS or email.

Trend Micro™ Titanium Maximum Security

• Trend Micro™ Titanium Maximum Security is a FREE anti-malware program that provides you with
multi-device protection against the threats of viruses, malware, and phishing; it also prevents
spyware from stealing your log in details.

Daily Profile Limits

• Daily Limits apply accumulatively for all financial transactions processed via your Digital Banking
Profile, this means that, if you submit a payment via the Banking App, your Remaining Limit for
Payments via the Online Banking and Cellphone Banking channels will also be reduced by that
amount.
• The Daily Limits for each digital channel can be customised by you according to your transacting
requirements and you can choose to set your limits Temporarily or Permanently.

Online Banking User Guide RMB Private Bank 25

1.9 Fraud Prevention and Security Centre

Contact the Fraud Prevention Centre to report fraud, suspected fraud or for any other fraud related queries
or information.

The Fraud Prevention Centre is available 24/7/365.

From within South Africa: 087 575 9444

From outside of South Africa: +27 11 369 2924

The Security Centre, which can be accessed via the RMB Private Bank home page, provides a host of
information to help you keep up to date with the latest security threats within the online environment and
offers advice on how to guard yourself against these.

RMB Private Bank Home Page > About Us > Secure Security Centre

The following Functionality and Information is available in the Security Centre:

• Disputes
• Incident Reporting Process
• Contact Us
• Report Incident
• Latest Scams
• Uncovering Scams
• Glossary
• Notifications
• Scams
• Digital Fraud
o Identity Theft
o Online Fraud
o SIM Swap
• Card Fraud
• Protect Yourself

Online Banking User Guide RMB Private Bank 26

1.10 Channel Stand-In

To further enhance Online Banking, Channel Stand-In functionality is available.

If we are performing routine maintenance or, in the event of an unforeseen system outage, you will still be
able to perform limited functionality on Online Banking, thus eliminating the inconvenience of complete
system unavailability.

All non-core functionality / menu items will be hidden and will not be accessible when Channel Stand-In has
been invoked.

Click on the hyperlink in the Maintenance message to view a list of functionality that is available during
Stand-In.

To minimise customer inconvenience, major system maintenance is only done outside of normal banking
hours.

Online Banking User Guide RMB Private Bank 27

1.11 Cookie Policy
We use cookies to provide you with the best possible online experience.

Clearing cookies may limit your banking functionality.

What are cookies?

A cookie is a small text file stored on your device by the website you are visiting. It helps the website to
remember information about your device and how you use the website.

We use this information to make your visit to our site as easy and useful as possible

Types of cookies we use:

There are two main types of cookies:
• Session cookies
o When you close your browser, some cookies are deleted. These are called session cookies.

• Persistent cookies
o Other cookies are stored on your device until they expire or you choose to delete them.
They are called persistent cookies. These cookies are sent back to us each time you visit
our site.

What we use cookies for:

We use cookies for session management, user device identification and classification, traffic routing, and
analytics.

Is your personal information at risk?

No, we will never save any personal information, including login details or other personal information on your
computer.

What happens if you disable your cookie functionality?

Clearing or disabling cookies may limit your banking functionality.

You can limit the collection of your information by disabling cookies on your browser. You may also be able
to modify your browser settings to require your permission each time a site attempts to set a cookie.

However, our website(s) (and many other websites) rely on cookies to enable certain functionality. If you
choose to disable cookies, some of the services available on our website may not work properly.

Online Banking User Guide RMB Private Bank 28

 Pre-Login Functionality

Online Banking User Guide RMB Private Bank 29

2.1 Forgot Username or Password

View your Username (Pre-Login)

If you have forgotten your Online Banking Username, you can use this function outside of Online Banking to
view your Username.

How to View your Username (Pre-Login)

1. Click on Forgot Username or Password.
2. The Login Problems page will be displayed.
3. Select View Username.
4. The Forgotten Your Username page will be displayed.
5. Enter your ID or Passport Number.
6. Enter your Online Banking Password.
7. Select Online Banking from the drop-down list.
8. Click on Continue.
9. A hint of your Username will be displayed.
10. If you are still uncertain, click on View.
11. Enter the required information or perform the required action to verify yourself.
12. Click on Continue.
13. Your full Username will be displayed.
14. Click Login to return to the Login page for Online Banking.

Reset your Password (Pre-Login)

If you have forgotten your Online Banking Password, you can use this function outside of Online Banking to
reset your Password.

Please note that you will be required to verify your Online Banking Profile at an FNB ATM using your Chip
and PIN Card before you can login to your profile.

Quick Tip
• You may need to enter your ID or Passport Number.
• You may need to enter your Card Number.

How to Reset your Password (Pre-Login)

1. Click on Forgot Username or Password.

Online Banking User Guide RMB Private Bank 30

 2. The Login Problems page will be displayed.
3. Click on Reset Password Only.
4. The Forgot Your Password page will be displayed.
5. Enter your Online Banking Username and your ID or Passport Number.
6. Click on Continue.
7. Enter you Card Number and ATM PIN.
8. Click on Continue.
9. Create a New Password in line with the on-screen parameters.
10. Click on Reset Password.
11. A results page will display the status of your request.
12. Select Login.
13. You will be required to Verify your Chip and PIN Card at an FNB ATM before you can login to your
Online Banking profile, alternatively, visit your nearest FNB Branch for assistance.

How to Verify your Online Banking Profile Using a Chip and PIN Card at an ATM
1. Insert your Chip and PIN card into the FNB ATM.
2. Enter your PIN.
3. Select More Options.
4. Select More Services.
5. Select My Settings
6. Select Cellphone/Online Banking.
7. Select Activate your Digital Banking Profile
8. Follow the prompts.

Reset your Username and/or Password (Pre-Login)

If you have forgotten your Online Banking Login Details, you can use this function outside of Online Banking
to reset your Username and Password.

For security purposes, every user should have their own unique login details; their username and
password are the keys to accessing their profile.

A user must keep their Username and Password confidential at all times; these credentials should
never be disclosed to anyone.

• To view your Username – you will need to know your Password .

• To reset your Password – you will need to know your Username
• Alternatively, you can reset both your Username and Password.

Online Banking User Guide RMB Private Bank 31

For security purposes, every user should have their own unique login details; their username and
password are the keys to accessing their profile.

A user must keep their Username and Password confidential at all times; these credentials should
never be disclosed to anyone.

Quick Tips
• You may need to enter your ID or Passport Number.
• You may need to enter your Card Number.

How to Reset your Username and Password (Pre-Login)

1. Click on Forgot Username or Password on the FNB home page.

2. The Login Problems page will be displayed.
3. Click on Reset Username + Password.
4. The Forgotten Your Username and Password page will be displayed.
5. Select the type of profile that you would like to change your login details for, i.e. for yourself or for a
business profile.
6. Enter your Card Number
7. Enter your PIN.
8. Enter your ID or Passport Number.
9. Click on Continue.
10. Create a New Username and/or Password in line with the on-screen parameters.
11. Re-enter your new password.
12. Click on Confirm.
13. A results page will display the status of your request.
14. Click Login to return to the Login page for Online Banking.

Online Banking User Guide RMB Private Bank 32

 Home Tab

Online Banking User Guide RMB Private Bank 33

Home Tab Overview

Every time you Log in to Online Banking you will be defaulted to the Home Tab.

The following information/functionality is available on the Home Tab:

• View Login History
• Contact Us
o Call Us
o Email Us
o Chat to Us (Automated and/or Real-Time)
• Secure Chat (Real-Time)
• Messaging
• Pricing/Rewards Letters
• Terms and Conditions
• Things you can do Online
• Offers for You
• eBucks Rewards

Important Information about the Home Tab

• This function is limited to the Primary User (Profile Owner) of a Consumer

and/or Business Profile.

Online Banking User Guide RMB Private Bank 34

View Login History

Use this function to view all login events on your profile for the past 14 days.

The following information is displayed:

• Date & Time
• Event Description (successful / unsuccessful)

If you are the Primary User (Profile Owner), you can View the Login History for each Secondary User
that is linked to your profile.

For your convenience, your last login event is displayed at the top of the Home Tab.

Important Information about Login History

• This function is available to the Primary User (Profile Owner) of both

Consumer and/or Business Profiles.
• Should you notice any suspicious activity on your Login History, please
contact our Fraud Prevention Centre immediately.

How to View your Login History from the Home Tab

1. Click on the View History hyperlink at the top centre of the Home Tab.
2. The last 14 days of login events for yourself will be displayed.
3. If you are the Primary User (Profile Owner), you can view the Login History for each Secondary
User that is linked to your profile by simply selecting the user from the User Name drop-down list
above the record table.
4. Click on the Search table action to search across all fields.
5. Enter a minimum of two alphanumeric characters in the Search field.
6. The results of your search will be displayed.
7. Click on Finish.
Or

How to View your Login History from your Online Banking Settings
1. Click on the burger menu and then select Online Banking Settings in the left menu.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the View easy button next to View Login History.
4. The last 14 days of login events for yourself will be displayed.

Online Banking User Guide RMB Private Bank 35

 5. If you are the Primary User (Profile Owner), you can view the Login History for each Secondary
User that is linked to your profile by simply selecting the user from the User Name drop-down list
above the record table.
6. Click on the Search table action to search across all fields.
7. Enter a minimum of two alphanumeric characters in the Search field.
8. The results of your search will be displayed.
9. Click on Finish.

Online Banking User Guide RMB Private Bank 36

Online Banking User Guide RMB Private Bank 37
Things you can do Online

These are quick links to the most commonly used functionality on Online Banking.

Simply click on the respective hyperlink to be redirected to that functionality.

This functionality is available on Consumer Profiles.

Offers for You

Product and/or service offerings that may be of benefit to you as an individual, a business, or to your existing
product profile, will be displayed on the Home Page.

Simply click on the View All hyperlink to view a summary of all your product and service offerings.

Click on Apply Now to begin the application process for the respective product or service offering.

This functionality is available to the Primary User (Profile Owner) of both Consumer and/or Business
Profiles.

eBucks Rewards

If you have joined the eBucks Rewards programme, a high-level overview of your eBucks status (Balance
and Reward Level) is displayed on the Home Tab.

Click on the More button to be redirected to the eBucks Rewards Tab to view your detailed Earn
Dashboard or to learn about how you can spend your eBucks on great offers or earn even more eBucks
just by changing the way you bank.

If you are not yet a member of eBucks, click on the Find Out More button to learn what you’re missing out
on!

This functionality is available to the Primary User (Profile Owner) of both Consumer and/or Business
Profiles.

Online Banking User Guide RMB Private Bank 38

View your Pricing/Rewards Letters

Use this function to view your personalised Annual Price Review Letter for billable transactions and/or
services fees for your respective accounts.

How to View your Pricing / Rewards Letters

1. Click on the Home Tab and then select the orange menu.
2. The menu will be displayed.
3. Under the View Header, click on Pricing / Rewards Letters.
4. A list of applicable accounts will be displayed.
5. Click on the View Pricing easy button for the respective account.
6. The Pricing Guide for the respective account will be displayed.

This functionality is available to the Primary User (Profile Owner) of both Consumer and Business
Profiles.

View our Terms and Conditions

Use this function to view FirstRand’s Remote Banking Terms and Conditions.

How to View the FirstRand Remote Banking Terms and Conditions

1. Click on the Home Tab and then select the orange menu.
2. The menu will be displayed.
3. Under the View Header, click on Terms and Conditions.
4. The Remote Banking Terms and Conditions will be displayed.
5. You can Download or Print this document.

This functionality is available to the Primary User (Profile Owner) of both Consumer and/or Business
Profiles.

Online Banking User Guide RMB Private Bank 39

Contact Us
Contact Us Overview
Get in touch with with the right people for your specific needs via the Contact Us functionality.

The following options are available:

• Messages
• Secure Call / Secure Mail
• Secure Chat
• Compliments
• Complaints
• Queries / Suggestions

Business Rules:

• The Contact Us options that are displayed to you are aligned to by your account/product portfolio.
• The Contact Us functionality is limited to the Primary User (Profile Owner).

Online Banking User Guide RMB Private Bank 40

Messages

The Messaging Service provides you with your very own FNB Inbox for communications related to your
Digital Banking Profile.

The following information is available:

• Just for You

o Account Statement Notifications with links to Statement History
o LOTTO and/or PowerBall Winnings Notifications
• inContact
o Your inContact notifications for transactions on your nominated account.
• LOTTO / PowerBall
o A quick view of the LOTTO and/or PowerBall Numbers that you have played.
• Secure Chat
o A quick view of your most recent Secure Chat.

Business Rules:
The Messages functionality is limited to the Primary User (Profile Owner) of a Consumer Profile.

How to view your Messages

1. Click on the burger menu.

2. A pop-up will be displayed.

3. Click on Contact Us/Contact your Private Banker in the left menu.
4. The Contact Us options available to you will be displayed.
5. Click on the Messages icon.
6. A collapsed view of all Messages relating to your Digital Banking Profile will be displayed.
7. Click on the respective message category to view the full message as well as a history of older
messages in that category.

Online Banking User Guide RMB Private Bank 41

Secure Chat

Secure Chat provides you with two convenient options:

1. You can interact with a Banker in real-time via instant messaging.

2. Access menu-based information and assistance on a variety of trending topics, thereby helping
you to resolve common FAQs without the need to phone the bank.

Interact with a Banker in Real-Time

Use this service to contact and interact with a Banker in real-time via instant messaging.

Both you and the banker can upload, send, and receive documents and images on Secure Chat.

Business Rules:
• The Secure Chat functionality is limited to the Primary User (Profile Owner) of both Consumer and/or
Business Profiles and is also account/product specific.

How to Interact with a Banker in Real-Time

1. Click on the burger menu.

2. A pop-up will be displayed.

3. Click on Contact Us/Contact your Private Banker in the left menu.
4. The Contact Us options available to you will be displayed.
5. Click on the Secure Chat icon.
6. The Secure Chat page will be displayed.
7. Type your message in the field provided and then click on the Send icon.
8. A Banker will respond to your message in real-time and you can begin your secure online chat.
Note: Please keep your banking session active while using this option.

Online Banking User Guide RMB Private Bank 42

Access Menu-Based Information and Assistance

Use this service to access menu-based information and assistance on a variety of trending topics, thereby
helping you to resolve common FAQs without the need to phone the bank.

Within the automated process, you will have the ability to download documents or to be redirected to a
specific function or tab within Online Banking.

If the topic that you have selected is not available online, you will be presented with the option to Chat to a
Banker in real-time.

If, at any time during the automated process, you would like to speak to a Banker, simply select the Secure
Chat option to be redirected to a team of Bankers in real-time via instant messaging. The Banker will be
provided with the context of your query via the conversation history.

Business Rules:
This function is limited to the Primary User (Profile Owner) of a Consumer Profile and is also
account/product specific.

How to Access Menu-Based Information and Assistance

1. Click on the burger menu.

2. A pop-up will be displayed.

3. Click on Contact Us in the left menu.
4. The Contact Us options available to you will be displayed.
5. Click on the Secure Chat icon.
6. The Secure Chat page will be displayed.
7. Click on the respective Topic icon at the bottom of the page.
8. Based on the Topic that you selected; a list of options will be displayed.
9. Click on the option that relates to your query, alternatively, click on the Return to Topics easy
button to select a different Topic.

10. At this point you will be presented with one of the following:
• A message containing instructions on how to resolve your query.
• A message containing a link to the respective function or tab within Online Banking; click on
the orange button to be redirected.
• A document that contains the information you require; click on the Download icon.
• If your query can not be answered automatically, you will have the option to be redirected to a
Banker; click on Chat to Banker.
11. Click on the burger menu to return to Online Banking.

Online Banking User Guide RMB Private Bank 43

Secure Call / View Contact Details

Use this function to view the contact details for our Digital Banking Support centre as well as the call centre
numbers for key service areas within the bank.

How to View Contact Details

1. Click on the burger menu.

2. A pop-up will be displayed.

3. Click on Contact Us in the left menu.
4. The Contact Us options available to you will be displayed.
5. Click on the Secure Call icon.
6. A list of key contact details will be displayed.

Compliments, Complaints, and Queries / Suggestions

Use this function to submit Compliments, Compolaints and Queries / Suggestions.

When you capture your message, you can select what your message relates to; this will ensure that your
message is directed to the respective business area and not to a general call centre.

How to Submit Compliments, Complaints and Queries / Suggestions

1. Click on the burger menu.

2. A pop-up will be displayed.

3. Click on Contact Us in the left menu.
4. The Contact Us options available to you will be displayed.
5. Click on the respective icon, i.e., Compliments, Complaints, or Queries / Suggestions.
6. The capture page for the selected communication will be displayed.
7. Complete the required details and enter your message.
8. Click on Submit.
9. A Confirmation page will be displayed.
10. Check that the information displayed is correct and, if necessary, click on Back to make any
amendments or click Confirm to continue.
11. The Results page will display the status of your request.
12. You can Print or Download this page.
13. Click on Finish to complete the process.

Online Banking User Guide RMB Private Bank 44

My Profile
My Profile Overview

My Profile enables you to view and maintain your personal details, documents and the relationships of the
users with permissions on your accounts.

The following functionality is available:

• Maintain Your Personal Details

• Maintain Vault Documents
• Maintain FICA Documents
• View Compliance Status
• Maintain Tax Information

Online Banking User Guide RMB Private Bank 45

Personal Details

The Primary User (Profile Owner) can use this function to maintain his own personal details as well as the
personal details of his Secondary Users.

It is imperative that your personal details are kept up to date as this assists us to provide you with secure
communications related to your Online Banking profile.

Important Information about Maintaining your Personal Details

• The Personal Details for a Secondary User are captured by the Primary User
(Profile Owner); only the Primary User (Profile Owner) can maintain these
details.
• If you update your Cellphone Number and/or Email Address, you will be
presented with the option to update these details for the following services:
o inContact
o OTP
o Notification Services (Balance Alerts, Limit Alerts and Scheduled
Payment Alerts)
o Email Statements
• For your added security, certain details cannot be amended on Online
Banking; please contact Digital Banking Support should you need to change
any of the following:
o Name or Surname
o Identity Number or Passport Number

Online Banking User Guide RMB Private Bank 46

Personal Details that can be Maintained Online

The following information can be maintained online:

• Personal Details
o Correspondence Language
o Number of Dependants
o Marital Status
• Contact Details
o Email Address
o Cellphone Number
o Home Telephone Number
o Business Telephone Number
o Fax Number
• Residential Details
o Residential Status
o Paying a Bond
• Employment Details
o Employment Status
o Name of Employer
o Time Employed (Months)
o Yearly Income Before Tax
• Education Details
o Highest Education Level
• Source of Funds

Online Banking User Guide RMB Private Bank 47

Maintain your Personal Details

Use this function to maintain your personal details.

Maintain your Personal Details

1. Select My Profile and then select Personal Info.

2. Amend the required details.
3. Click on Update.
4. If you update your Cellphone Number and/or Email Address, you will be presented with the option
to also update these details for the following services:
o inContact
o OTP
o Notification Services (Balance Alerts, Limit Alerts and Scheduled Payment Alerts)
o Email Statements
5. Click in the respective check box to select the services that you would like to update.
6. Click on Update.
7. A confirmation page reflecting the changes that you have requested will be displayed.
8. Check that this information is correct and, if necessary, click on Edit to make amendments.
9. Click on Confirm.
10. A results page will display the status of your request.
11. Click on Finish to complete the process.

Online Banking User Guide RMB Private Bank 48

Personal FICA Documents

At FNB we support our clients through the KYC (Know Your Client) / FICA (Financial Intelligence Centre Act,
Act 38 of 2001) process.

We aim to make banking with us hassle free by offering you the convenient option to upload your KYC
documents online.

Use this function to upload outstanding FICA documents for your personal profile.

To become FICA compliant, you need to upload all the outstanding documents.

Important Information about Uploading FICA Documents

• If your account does not comply with FICA requirements it will be frozen; it
may take up to 48 hours to have the hold lifted so that you can transact again.
• The document size may not exceed 10MB.
• Your proof of address must not be older than 3 months.
• Ensure that all fonts, words and pictures of documents supplied are clear and
legible.

• You must attach and upload each Document Type in a single

transaction; prepare the documents before you begin:
o View the list of outstanding FICA documents for your profile.
o Scan each of these documents (separately) and save them on
your pc.

Online Banking User Guide RMB Private Bank 49

Upload FICA Documents (Personal Profile)

1. Select My Profile and then select Regulatory Details.

2. Click on the Upload easy button in the FICA Documents section.
3. The Upload Documents capture page will be displayed.
4. If you have any outstanding documents these will be listed in the Documents Required table.
5. Click on the Attach easy button for the respective document.
6. A capture page for the respective document will be displayed.
7. Selected the Document Type from the drop-down menu.
8. Browse for the document on your PC and then click Upload.
9. The Upload Documents capture page will be displayed and the status of the respective document
will be updated.
10. Repeat this process for all outstanding documents.
11. Click on Upload.
12. A results page will display the status of your request.
13. Click on Finish to complete the process.
14. The documents will continue to reflect as outstanding until they have been verified by the fulfilment
team.

Online Banking User Guide RMB Private Bank 50

View and Maintain Compliance Status

Use this function to check the Compliance Status of your Banking Profile and, if required, to upload any
outstanding documentation.

It is imperative that your details are kept up to date as this assists us to provide you with secure
communications related to your Online Banking profile.

The updated changes will only take effect once all information has been verified.

To become FICA compliant, you need to upload all the outstanding documents.

Important Information about Uploading FICA Documents

• If your account does not comply with FICA requirements it will be frozen; it
may take up to 48 hours to have the hold lifted so that you can transact again.
• The document size may not exceed 10MB.
• Your proof of address must not be older than 3 months.
• Ensure that all fonts, words and pictures of documents supplied are clear and
legible.

• You must attach and upload each Document Type in a single

transaction; prepare the documents before you begin:
o View the list of outstanding FICA documents for your profile.
o Scan each of these documents (separately) and save them on
your pc.

Online Banking User Guide RMB Private Bank 51

Upload Outstanding FICA Documents

Use this function to upload outstanding FICA documents.

Upload Outstanding FICA Documents

1. Select My Profile and then select Regulatory Details.

2. Your Compliance Status will be displayed.
3. If your profile is Non-Compliant click on the Upload easy button to view which documents are
outstanding.
4. The Upload Documents capture page will be displayed.
5. If you have any outstanding documents these will be listed in the Documents Required table.
6. Click on the Attach easy button for the respective document.
7. A capture page for the respective document will be displayed.
8. Selected the Document Type from the drop-down menu.
9. Browse for the document on your PC and then click Upload.
10. The Upload Documents capture page will be displayed and the status of the respective document
will be updated.
11. Repeat this process for all outstanding documents.
12. Click on Upload.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.
15. Your profile status will continue to reflect as Non-Compliant until the uploaded documents have been
verified by the fulfilment team.

Online Banking User Guide RMB Private Bank 52

Tax Information

To comply with tax regulations, all clients are required to declare and keep their local and foreign tax
information up to date.

Use this function to view and maintain your personal or business tax details.

Important Information about Tax Information

• This functionality is restricted to the Primary User (Profile Owner) of a

personal or business profile.

View and Maintain your Tax Information

1. Select My Profile and then select Regulatory Details.

2. Click on the Maintain easy button under Tax Information.
3. The Tax Information capture page will be displayed.
4. Amend or Add the details as required.
5. Click on Update.
6. A confirmation page will be displayed.
7. Check that this information is correct and, if necessary, click on Edit to make amendments.
8. Click on Confirm.
9. A results page will display the status of your request.
10. Click Finish to complete the process.

Online Banking User Guide RMB Private Bank 53

Online Banking User Guide RMB Private Bank 54
 Online Banking Settings

Online Banking User Guide RMB Private Bank 55

Online Banking Settings Overview

The Online Banking Settings functionality enables the owner of an Online Banking profile (Primary User
(Profile Owner)) to capture and manage their personal and/or business details as well as their preferred site
settings.

The Online Banking Settings functionality is grouped as follows:

• Business Profiles
o To remain KYC (FICA) compliant, you can use this function to view and maintain your
Business Profile/Juristic Entity information digitally.
• Settings
o The Settings Dashboard enables you to manage your Personal Details, User Preferences
and Secondary Users.
o For your convenience, the Settings Dashboard is split into the following sub-tabs:
▪ Online Banking
• Manage your Online Banking settings and preferences.
▪ Banking
• Manage your electronic subscriptions and alerts

Important Information about Online Banking Settings

• All Online Banking Settings functionality is restricted to the Primary User

(Profile Owner).

Online Banking User Guide RMB Private Bank 56

Business Profiles

Online Banking User Guide RMB Private Bank 57

Business Profiles Overview

To remain KYC (FICA) compliant, you can view and maintain your Business Profile/Juristic Entity information
digitally.

Entities registered with the Companies and Intellectual Property Commission (CIPC), as well as Sole
Proprietors, can view and/or maintain the following Business Profile information online:

• Business Info
o Business Details
o Business Operating Address
o Nature of Business
o Contact Details
• Related Parties
• My Preferences
• My Vault
• My To Do List
• Pending Changes

The updated changes will only take effect once all information has been verified.

Maintain Business Profile

Use this function to view, maintain and confirm the Business Profile/Juristic Entity information digitally.

Business Details
Use this functionality to maintain and confirm the following Business Details:
• Trading As Name
• Country of Establishment
• Country of Operations
• Country of Head Office
• Operating Start Date

How to Update your Business Details

1. Click on the hamburger menu and then select Online Banking Settings.
2. Select Business Profiles.
3. Click on Business Info and select Business Details.
4. Check that this information is correct.

Online Banking User Guide RMB Private Bank 58

If the Business Details are incorrect
You can refresh the Business’ Details from CIPC by selecting Update details from CIPC. We will obtain the
details from The Companies and Intellectual Property Commission (CIPC) and display these results on the
page.
Please confirm if the details we have obtained from The Companies and Intellectual Property Commission
(CIPC) are correct and that we can use these to update your records.

• If still incorrect, select No and contact CIPC for corrections.

• If correct, select Yes to confirm that we can use these to update your records.

If the Business Details are correct

5. Select the disclaimer and then click on Continue.

6. Additional information pertaining to your Business will display on the page.
7. Amend the required details and click on Update.
8. A confirmation page reflecting the changes that you have requested will be displayed.
9. Check that this information is correct and, if necessary, click on Edit to make amendments.
10. Click Confirm.
11. A results page will display the status of your request.
12. Click on Finish to complete the process.

Online Banking User Guide RMB Private Bank 59

Business Operating Address
Use this function to update your Business Operating Address; this is the physical location of your business.

If you amend your Operating Address, you will be required to upload the respective supporting documents
for verification.

Your Business Operating Address Details will only be updated once the uploaded documents have been
verified by our fulfilment team.

Important Information about updating your Business Operating Address

If required, you can upload the respective supporting documentation via your
Online Banking profile.

• Your proof of address may not be older than 3 months.

• Valid file formats are PDF, TTF, TIF, JPG and GIF.
• Ensure that all fonts, text, and images on the documents supplied are
clear and legible.
• The document size may not exceed 8 MB.

How to Update your Business Operating Address Details

1. Click on the hamburger menu and then select Online Banking Settings.
2. Select Business Profiles.
3. Click on Business Info and select Business Operating Address.
4. The Business Operating Address Details capture page will be displayed.
5. Amend the required details, alternatively, use the map pin locater to update your operating address
6. Click on Update.
7. If additional documents are required for verification, you will be prompted to upload the required
documents.
8. Click on the Attach easy button for the respective document.
9. Browse for the document on your PC and then click Upload.
10. A results page will display the status of your request.
11. Click on Finish to complete the process.

Online Banking User Guide RMB Private Bank 60

Nature of Business
Use this functionality to maintain the following information:
• Industry Type
• Speciality
• Products and Services
• Source of Funds

How to Update your Business Operating Address

1. Click on the hamburger menu and then select Online Banking Settings.
2. Select Business Profiles.
3. Click on Business Info and select Nature of Business.
4. The Nature of Business capture page will be displayed.
5. Amend the required details and then click on Update.
6. A confirmation page reflecting the changes that you have requested will be displayed.
7. Check that this information is correct and, if necessary, click on Edit to make amendments.
8. Click on Confirm.
9. A results page will display the status of your request.
10. Click on Finish to complete the process.

Contact Details
Use this functionality to maintain your primary contact details for your business:
• Business Cellphone Number
• Business Telephone Number
• Business Email Address
At a minimum, you must capture either a Business Cellphone Number or Business Email Address

How to Update your Business Contact Details

1. Click on the hamburger menu and then select Online Banking Settings.
2. Select Business Profiles.
3. Click on Business Info and select Contact Details.
4. The Nature of Business capture page will be displayed.
5. Amend the required details and then click on Update.
6. A confirmation page reflecting the changes that you have requested will be displayed.
7. Check that this information is correct and, if necessary, click on Edit to make amendments.
8. Click on Confirm.
9. A results page will display the status of your request.
10. Click on Finish to complete the process.

Online Banking User Guide RMB Private Bank 61

My Preferences
Use this functionality to view and confirm the Marketing and Information preferences linked to your business.

Marketing Preferences

Select which products and services, the methods of communication, and the contact details you would like to
select to receive marketing communications on.

The Advanced marketing preferences allows you to select specific product offerings related to business.

For your ease of reference, please refer to our FAQ’s for more information about how consent works, how
marketing consent is used and the impact of opting-in or opting-out of different marketing consents.

Information Preferences

Informational Preferences allows you to customise how your business information is used and processes
specifically in respect to 3rd parties, and specialized offers.

How to view and maintain your Marketing and Informational Preferences

Use this functionality to view and confirm the Marketing and Information preferences linked to your business.

1. Click on the hamburger menu and then select Online Banking Settings.
2. Select Business Profiles.
3. Click on My Preferences and Marketing preferences/Information preferences.
4. The preference capture page will be displayed.
5. Amend the required details and then click on Update.
6. A confirmation page reflecting the changes that you have requested will be displayed.
7. Check that this information is correct and, if necessary, click on Edit to make amendments.
8. Click on Confirm.
9. A results page will display the status of your request.
10. Click on Finish to complete the process.

Online Banking User Guide RMB Private Bank 62

My Vault
This is a list of outstanding documents that are required in order to meet the compliance regulations for your
entity.

The following information is displayed:

• Document Type
• Max Size
• Document Attachments
• Status

Any Business Details relating to these documents will only be updated once the uploaded documents have
been verified by our fulfilment team.

Important Information about uploading Supporting Documents

If required, you can upload the respective supporting documentation via your Online Banking profile.

• Your proof of address may not be older than 3 months.

• Valid file formats are PDF, TTF, TIF, JPG and GIF.
• Ensure that all fonts, text, and images on the documents supplied are clear and legible.
• The document size may not exceed 8 MB.

• View the list of outstanding FICA documents for your profile before you
begin.
• Scan each of the required documents (separately) and save them on
your pc.
• You must attach and upload all the outstanding documents in a single
transaction so ensure that you have all the outstanding documents
scanned and saved beforehand.

How to Upload Documents

Online Banking User Guide RMB Private Bank 63

 1. Click on the hamburger menu and then select Online Banking Settings.
2. Select Business Profiles.
3. Click on Documents.
4. If you have supporting documents that are required or pending verification, these will be listed
on the Documents page along with their respective Status.
5. To upload a supporting document, click on the respective Attach easy button.
6. Browse for the document on your PC and then click Upload.
7. A results page will display the status of your request.
8. Click on Finish to complete the process.

Pending Changes
If you submit changes to your Business Profile that require supporting documents and verification thereof,
the status of these requests can be viewed on the Pending Changes page.

Based on the Status of a request, you may be required to upload the outstanding documents, await
verification, or choose to delete the request.

How to View your Pending Changes

1. Click on the hamburger menu and then select Online Banking Settings.
2. Select Business Profiles.
3. Click on Pending Changes
4. If you have any outstanding requests these will be listed.

To upload a document:
5. Click on the Attach easy button for the respective document.
6. Browse for the document on your PC and then click Upload.
7. A results page will display the status of your request.
8. Click on Finish to complete the process.

To Delete a request for the changes you have submitted:

4. Click on the Delete easy button.

5. Confirm your request to Delete.
6. Click on Finish to complete the process.

Online Banking User Guide RMB Private Bank 64

Related Parties

Administrators of CIPC Registered Entities and Sole Proprietors can add and maintain the Related Parties
that are linked to their Business via Online Banking Enterprise™.

A Related Party is a person or an entity that is related to the business via a mandate because they have
control, joint control, or significant influence over the entity, or they are a member of the entity’s key
management personnel.

The following functionality is available online:

• View Related Parties

• Add a Related Party

• Maintain a Related Party

• Delete a Related Party

View Related Parties

Use this function to view the Related Parties that are linked to your business.

View All Related Parties

This option provides you with a single view of all the Related Parties linked to your profile as well as their
relationship to the business.

The following information is displayed for each Related Party:

• Name of Related Party

• Relationship

• Status

View All Related Parties

1. Click on the hamburger menu and then select Online Banking Settings.
2. Select Business Profiles and then select Related Parties.

3. By default, a list of all related parties linked to the profile will be displayed.

4. To view the Detailed Information of a Related Party, click on the Name hyperlink of the respective
party.

Online Banking User Guide RMB Private Bank 65

View Related Parties by Relationship

Use this function to view your Related Parties by the type of Relationship they have with your business.

The following information is available:

Decision Makers
• Decision-makers are people within a company who have the power to make strategic decisions like
acquisitions, expansion, or investment.
o Name of Related Party
o Status

Representatives
• Representatives are the mandated and authorised persons that can perform certain functions on
behalf of the business without requiring any further approval from the business.
o Name of Related Party
o Type of Signing Authority (Mandate)
o Online Banking Administrator (Yes/No)
o Primary Contact Person (Yes/No)

Shareholders
• These are the individuals and/or companies that hold shares in the business.
o Name of Related Party
o Shareholding Percentage (Value %)
o Entity Type
o Ultimate Beneficial Owner (UBO) (Yes/No)

Surety Providers
• Surety Providers are the individual/s that provide suretyship to the business.
o Name, Surname, and ID Number

View Related Parties by Relationship

1. Click on the hamburger menu and then select Online Banking Settings.
2. Select Business Profiles and then select Related Parties.

3. By default, a list of all related parties linked to the profile will be displayed.

4. To view Related Parties by Relationship Type, click on the respective sub-tab at the top of the
page.

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Add a Related Party
Use this function to Add Related Parties to your business.

Add a Related Party to your Business

1. Click on the hamburger menu and then select Online Banking Settings.
2. Select Business Profiles and then select Related Parties.

3. By default, a list of all related parties linked to the profile will be displayed.

4. Click on the (+) Add action and then select Individual or Business.

5. Enter the required information for the Individual or Business and then select Continue.

6. Complete the Representative Mandate and Shareholding information for the Related party and
then select Add.

7. A confirmation page will be displayed.

8. Check that this information is correct and, if necessary, click on Edit to make amendments.

9. Select Confirm.

10. A results page will display the status of your request.

11. Click on Finish to complete the process.

12. The Related Party will now reflect on the Pending view of the Representatives sub-tab with a
status of Pending Linking.

13. Click in the respective checkbox for the Related Party and then select Submit; this will trigger the
Authorisation process.

14. Once the request has been fully Authorised, the status on the Pending view will change to Linked
and the Related Party will receive a notification to confirm the linking to the business.

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Maintain a Related Party

Use this function to maintain a Related Party’s information or to make amendments to their relationship to
the business.

Important Notes:
• The details of a Surety Provider can not be maintained via Online Banking Enterprise™; please
contact your Banker or the Business Desk for assistance.

Maintain a Related Party

1. Click on the hamburger menu and then select Online Banking Settings.
2. Select Business Profiles and then select Related Parties.

3. By default, a list of all related parties linked to the profile will be displayed.

4. To view Related Parties by Relationship Type, click on the respective sub-tab at the top of the
page.

5. Click on Maintain for the respective Related Party.

6. Amend the details as required and then select Update.

7. A confirmation page will be displayed.

8. Check that this information is correct and, if necessary, click on Edit to make amendments.

9. Select Confirm.

10. A results page will display the status of your request.

11. Click on Finish to complete the process.

12. The request will be added to the Authorisations tab and will only be processed once the required
number of Authorisers have approved it.

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Delete a Related Party

Use this function to permanently delete a Related Party from your business.

Delete a Related Party

1. Click on the hamburger menu and then select Online Banking Settings.
2. Select Business Profiles and then select Related Parties.

3. By default, a list of all related parties linked to the profile will be displayed.

4. To view Related Parties by Relationship Type, click on the respective sub-tab at the top of the
page.

5. Click in the respective checkbox for the Related Party and then select Delete.

6. A confirmation page will be displayed.

7. Check that this information is correct and, if necessary, click on Edit to make amendments.

8. Select Confirm.

9. A results page will display the status of your request.

10. Click on Finish to complete the process.

11. The request will be added to the Authorisations tab and will only be processed once the required
number of Authorisers have approved it.

My to do List
Use this functionality to view and confirm all outstanding tasks/actions that are required in order to remain
KYC (FICA) compliant.

How to view the actions on ‘My to do list’

1. Click on the hamburger menu and then select Online Banking Settings.
2. Select Business Profiles.
3. Click on My to do list.
4. A list of all outstanding tasks will be displayed.
5. Click on Continue next to the item you would like to initiate the required action on.

If you submit changes to your Business Profile that require supporting documents and verification thereof,
the status of these requests can be viewed on the Pending Changes page.

Based on the Status of a request, you may be required to upload the outstanding documents, await
verification, or choose to delete the request.

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Online Banking Sub-Tab

Online Banking User Guide RMB Private Bank 70

Online Banking Sub-Tab Overview

The Online Banking sub-tab allows you to manage your Online Banking settings and preferences.

The following functionality is available:

• Limits
o Daily Profile Limits

• Manage Profiles
o Secondary Users
o Linked Profiles

• Permissions

• Login History

• Activity History

• Security
o OTP
o Change User ID & Password
o Retrieve Trend Micro™ Security Key
o Block Profile

• Preferences
o Default Payment Account
o Default Billing Account
o Visible Accounts

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Transaction Limits

View and Manage Daily Profile Limits

The Daily Limits for Payment and Transfer transactions via your Digital Banking Profile (Online Banking,
Banking App and Cellphone Banking Channels) can be customised by you on the respective channels
according to your transacting requirements; you can also choose to set your limits Temporarily or
Permanently.

Daily Limits apply accumulatively for all financial transactions processed via your Digital Banking Profile.
E.g., If you submit a payment via the Banking App, your Remaining Limit for Payments via your Online
Banking and Cellphone Banking profiles will also be reduced by that amount.

Daily Limits are made up of the following transaction limits:

• Transfers
o Transfers made between your own accounts or to third party accounts that are linked to your
profile.
• Payments
o Payments made to your recipients and to other third parties.
• Pay & Clear Now
o Payments processed via the Pay & Clear Now service.
o The Pay & Clear Now limit forms part of your Payments limit and may therefore not exceed
your Maximum Payments Limit.
• Prepaid
o Prepaid Purchases (Airtime, Data, Electricity, Entertainment etc.)
o Gaming Purchases (LOTTO and PowerBall)
• Send Money
o Payments made to a recipient’s local cellphone number

The Maximum Limit for the following payment types are pre-set and cannot be increased:

• Pay & Clear Now payment transactions

• Prepaid Services and Gaming Transactions (LOTTO and PowerBall)
• Send Money transactions

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For your convenience, you can view and manage the Daily Limits for your Online Banking profile from any
page where a Payment or Transfer can be performed. Simply click on the ‘You can change your limit’
hyperlink at the top of the page which will direct you to the Daily Limits page.

If you are in the process of completing a transaction which requires you to exceed your Remaining Limit
and you are still within your Maximum Limit, you will be presented with the option to increase the
respective Daily Limit temporarily to accommodate the transaction amount. This limit will return to its
current Limit at 07h00 the following day.

Business Rules
• This functionality is restricted to the Primary User (Profile Owner).
• The Daily Limits for your Banking App and/or Cellphone Banking transactions can be managed
via the Banking App and Cellphone Banking respectively.
• Daily Limits apply accumulatively for all financial transactions processed via your Digital Banking
Profile.
• All transactions performed by the Secondary Users on your Online Banking profile accumulate
towards your respective Daily Limits.
• If you increase your Current Limit temporarily, your limit will automatically be reverted to your
Current Limit at 07h00 the following day.
• If you decrease your Current Limit below your default profile limit, the new limit will be set
permanently until such time that you amend it again; it will not revert to your Current Limit.
• If you use your eBucks to purchase Prepaid Services via your Digital Banking Profile, the
equivalent Rand value will accumulate towards your Prepaid Services limit.
• Please refer to the Payment Cut-Off Times and Service Types for additional information regarding
EFT and Pay and Clear Now Limits and Cut-Off Times.

View and Manage Daily Transaction Limits

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Online Banking Settings dashboard will be displayed.
3. Click on the Change easy button next to Daily Profile Limits.
4. The Daily Limits capture page will be displayed.
5. Amend your Payment and/or Transfer Limits as required.
6. Select to set your limits Temporarily or Permanently.
7. If you select to set the amended limits Permanently, you will be required to read and accept the
disclaimer before you can continue.
8. Click on Update.
9. A confirmation page reflecting the changes that you have requested will be displayed.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. Click on Confirm.
12. A results page will display the status of your request.

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 13. Click on Finish to complete the process.

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Manage Profiles
Use this function to link your multiple Banking Profiles via a single set of User Credentials (Username and
Password).

Banking Profiles – Single Sign On (SSO)

If you have more than one Online Banking profile with FNB, you can link these profiles to a single set of login
credentials; this Username and Password combination is referred to as your Master Credentials.

This will eliminate you having to log out of an active session to log in to another profile by enabling you to
simply switch between your linked profiles.

You may have multiple sets of login credentials to access several different online profiles because:
• you have a personal profile and a business profile;

• you access different legal entities that are effectively part of the same broad legal or commercial
grouping (i.e. Company 1 and Company 2); and/or
• you bank across different territories in Africa (i.e. Company 3 is active in both Zambia and Namibia).

The following functionality is available via Online Banking:

• Link a Banking Profile

• Switch between linked Profiles

• Maintain the Default Banking Profile
• Delink a Banking Profile

Business Rules:
• This functionality is restricted to the Primary User (Profile Owner) of both consumer and business
profiles.

• There is no limit to the amount of banking profiles that can be linked to your default SSO profile.
• You can only link profiles that you already have access to, to your SSO profile.
• To link an Online Banking Enterprise™ profile to SSO, the Administrator of the respective profile
needs to first enable SSO on the profile.
• The linking of profiles will only take effect once you have logged out of your current banking session
and log in again using your Master Credentials.
• Once you link a banking profile to SSO, unless that profile is specified as the Default Profile, the
User Credentials for each linked profile will become invalid.
• Linking a banking profile to SSO does not impact any existing settings or permissions; each profile
remains as is.

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 • If your profiles are linked to multiple devices, you can log in on the respective device using your
Master Credentials.

Link a Banking Profile to Single Sign On (SSO)

Use this function to link multiple Banking Profiles via a single set of User Credentials (Username and
Password), thus enabling you to access and switch between your linked banking profiles within a single
session.

By linking your Banking Profiles to Single Sign On, you will only be required to maintain a single set of
Master Credentials (Username and Password) for all of your linked banking profiles.

During the profile linking process, you have the option to select a Default Profile.
• If you select a Default Profile, when you login with your Master Credentials, you will be directed
straight to this profile.

• If you do not select a Default Profile, when you login with your Master Credentials, you will be
presented with the My Profiles landing page for SSO and you will be required to select which profile
you would like to use.

Link a Banking Profile to SSO

1. Log into any of your Online Banking profiles.

2. Click on the hamburger menu and then select Online Banking Settings.
3. The Settings dashboard for the Online Banking sub-tab will be displayed.
4. Under Manage Profiles, select View for Linked Profiles.
5. The View Linked Profiles page will be displayed, select Banking Profiles.
6. The Maintain Linked Profiles page will be displayed; the Banking profiles that you have already
linked to this profile will be displayed.
7. Select Add in the table actions and then select the Add hyperlink.
8. The Add Profile page will be displayed.
9. Enter the Username and Password of the profile that you would like to link to this profile.

10. Move the switcher as required to select to link the new profile as the Default Profile that will be
displayed when you log in to Online Banking; selecting a Default Profile is optional.
• If you select a Default Profile, when you login with your Master Credentials, you will be directed
straight to this profile.

• If you do not select a Default Profile, when you login with your Master Credentials, you will be
presented with the My Profiles landing page for SSO and you will be required to select which
profile you would like to use.
11. Click on Add.

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 12. If you receive the following error, please contact the Administrator of the respective Online Banking
Enterprise™ profile and ask them to enable Single Sign On first.
13. "The User You Are Trying To Link Forms Part Of A Profile That Does Not Allow Single Sign-on,
Please Contact The Profile Administrator Should You Want Them To Enable The Functionality."
14. A confirmation page will be displayed.
15. Check that this information is correct and, if necessary, click on Edit to make amendments.
16. Click Confirm to proceed.
17. A results page will display the status of your request.
18. Click on Finish to complete the process.

Switch between Profiles Linked to Single Sign On

If you have linked multiple Banking Profiles to Single Sign On, you can use this function to switch
between your linked profiles within a single banking session.

Switch between profiles linked to SSO

1. Log in to Online Banking profile using your Master Credentials; these are the Username and
Password of the profile that you select as your Default Profile.
2. Click on the Switch User option in the top right-hand corner of the page.
3. A list of all your linked banking profiles will be displayed on the page.
4. Click on the Continue easy button of the Banking Profile you would like to access.

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Maintain Default Banking Profile for Single Sign On

Setting a Default Banking Profile on Single Sign On is not mandatory but may be of use if there is a
particular Banking Profile that you use predominantly.

You can assign or remove a Default Profile on Single Sign On at any time.

I have a Default Profile

When you log in to Online Banking using the Master Credentials, your Online Banking experience for your
Default Profile will be displayed and you can continue to bank as usual; to switch to another linked profile,
simply click on the Switch User option in the top right-hand corner of the page.

I don't have a Default Profile

When you log in to Online Banking using the Master Credentials, you will be presented with a list of your
Linked Banking Profiles; simply select Continue to open the respective profile.

Set a Default Profile on SSO

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Under Manage Profiles, select View for Linked Profiles.
4. The View Linked Profiles page will be displayed, select Banking Profiles.
5. The Maintain Linked Profiles page will be displayed; the Banking profiles that you have already
linked to this profile will be displayed.
6. Select the radio button of the respective Banking Profile to set it as your Default Profile.
7. The next time you login with your Master Credentials, you will be directed straight to this profile.

Remove a Default Profile on SSO

Use this function to remove the Default Profile option on your profile so that you can select the required
profile every time you log in with your Master Credentials.

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Under Manage Profiles, select View for Linked Profiles.
4. The View Linked Profiles page will be displayed, select Banking Profiles.
5. The Maintain Linked Profiles page will be displayed; the Banking profiles that you have already
linked to this profile will be displayed.
6. Click on the Remove Default button.
7. The next time you login with your Master Credentials, you will be presented with the My
Profiles landing page for SSO and you will be required to select which profile you would like to use.

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Delink a Profile from Single Sign-On

Use this function to delink a Banking Profile from Single Sign On.

Business Rules:
• If you delink a profile from Single Sign On, you will be required to create a new username and
password for the profile that you are delinking.

• The new Username and Password may not be the same as the User Credentials that you used to
access this banking profile prior to linking it to Single Sign-On.
• The Master Credentials to log in to your linked SSO profiles will remain as is.
• If there are only two profiles linked on Single Sign-On, and you opt to delink one of these profiles,
the remaining profile will automatically adopt the Master Credential.

Delink a Banking Profile from Single Sign On

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Under Manage Profiles, select View for Linked Profiles.
4. The View Linked Profiles page will be displayed, select Banking Profiles.
5. The Maintain Linked Profiles page will be displayed; the Banking profiles that you have already
linked to this profile will be displayed.
6. Select Delink for the respective Banking Profile to remove it from Single Sign On.
7. Create a new Username and Password for the profile that you are delinking.
8. Click Continue.
9. A results page will display the status of your request.
10. Click on Finish to complete the process.

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Channel Island Accounts

Use this function to link your FNB Channel Islands profile to your FNB South Africa profile. This will enable
you to log in to either profile with the same log in details and give you access to both your South African and
Channel Islands accounts and functionality via either portal.

Once you have linked your profiles, the ability to switch between profiles will be available on the My
Accounts sub-tab by clicking on the Transact easy button for an FNB Channel Islands account.

The following functionality is available:

• Link Profiles
• De-Link Profiles

Link Profiles
Use this function to link your FNB Channel Islands profile to your FNB South Africa profile.

Link Profiles
1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the Menu and click on the Maintain Linked Profiles option.
4. The View Linked Profiles capture page will be displayed.
5. If your profile has already been linked the details will be displayed.
6. Click on Add Link.
7. The Add Linked Profile capture page will be displayed.
8. Enter the Username and Password of your FNB Channel Islands profile that you would like to
link to.
9. Click on Continue.
10. The results of your request will be displayed.
11. Click on Finish to complete the process.
12. If your request was successful, the linked profile details will now be displayed on the View Linked
Profiles landing page.
Once you have linked your profiles, the ability to switch between profiles will be available on the My
Accounts sub-tab by clicking on the Transact easy button for an FNB Channel Islands account.

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De-Link Profiles

Use this function to de-link your FNB Channel Islands profile from your FNB South Africa profile.

Important Information about De-Linking your Profile

• If you De-Link your profiles, you will no longer be able to view your FNB
Channel Islands accounts via your South African profile and vice versa.

De-Link Profiles
1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the Menu and click on the Maintain Linked Profiles option.
4. The View Linked Profiles capture page will be displayed.
5. The FNB Channel Islands profile that is linked to your FNB South Africa profile will be displayed.
6. Click in the De-Link check box of the profile that you would like to De-Link.
7. Click on De-Link.
8. A confirmation page will be displayed.
9. Check that this information is correct and, if necessary, click on Cancel to abandon the request.
10. Click on Confirm.
11. The results of your request will be displayed.
12. Click on Finish to complete the process.
13. If your request was successful, the linked profile details will no longer be displayed on the View
Linked Profiles landing page.

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Secondary Users

A Secondary user is a third party who has been granted access to an Online Banking profile by the Primary
User (Profile Owner).

The Secondary User’s access will be determined by the Permissions and the Transaction Limits that the
Primary User (Profile Owner) has assigned to them.

3 Step Process:
1. The Primary User (Profile Owner) adds a Secondary User.
2. The new user will receive a notification containing a unique Security Code and instructions to
register for Online Banking.
3. Once the new user has completed the registration process, they must log in to their profile to
complete the process.
• If the bank is unable to verify the user’s details when they log in for the first time, the user
will be prompted to upload supporting documents.
o The user will not be able to transact on Online Banking until the required documents
have been verified.
o Once uploaded, the verification process may take up to 5 business days.

Important Information:
• Transactions performed by the Secondary User/s on your profile accumulate towards the total Daily
Profile Limit for the respective transaction type.
• A Secondary User can not log in to your profile via the Banking App, access via the Banking App is
limited to the Primary User (Profile Owner).
• For security purposes, certain functionality is not available to Secondary Users and will not be visible
to them.

Business Rules:
• New users can only be Added or Maintained by the Primary User (Profile Owner).
• To comply with legislation, a Digital Banking user must be a natural person with valid identifying
particulars e.g., ID Number / Passport Number.
• A user, and their identifying particulars, may only be linked to a profile once.
• It is imperative that a User’s Personal Details (Name, Surname, and Identity Number) and Contact
Details (Cellphone Number and Email Address) are captured correctly, as these details are used to
perform verification of the user as well as to communicate the user’s personal authentication and/or
authorisation details with them.

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Primary User - Add a Secondary User

The Primary User (Profile Owner) can use this function to add an unlimited number of Secondary Users to
their Online Banking profile and allocate Permissions and Transaction Limits per user, per account.

Permissions:
• The following permissions can be set per user, per account:
o No Permission
o View Only Permission
o Transact Only Permission
o View and Transact Permission
• Transaction Limits per Account (where applicable)

Important Note:
• If the bank is unable to verify the user’s details when they log in for the first time, the user will be
prompted to upload supporting documents.

o The user will not be able to transact on Online Banking until the required documents have
been verified.
o Once uploaded, the verification process may take up to 5 business days.

Business Rules:
• New users can only be Added or Maintained by the Primary User (Profile Owner).
• To comply with legislation, a Digital Banking user must be a natural person with valid identifying
particulars e.g., ID Number / Passport Number.
• A user, and their identifying particulars, may only be linked to a profile once.
• It is imperative that a User’s Personal Details (Name, Surname, and Identity Number) and Contact
Details (Cellphone Number and Email Address) are captured correctly, as these details are used to
perform verification of the user as well as to communicate the user’s personal authentication and/or
authorisation details with them.

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Quick Tips:
The following information must be captured for each user:
• Personal Details: Legal Names and ID / Passport Number
• Contact Details: Cellphone Number and Email Address

How to Add a Secondary User

1. Click on the menu and then select Online Banking Settings.
2. The Settings Dashboard will be displayed.
3. Under Manage Profiles, click on the View easy button for Secondary Users.
4. If you already have Secondary Users linked to your profile, they will be displayed.
5. Click on Add User in the table actions.
6. Complete the Personal Details and Contact Details of the Secondary User.
7. Allocate the required Permissions and Transaction Limits, per account, for the new user.
8. Click on Continue.
9. A confirmation page will be displayed.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. Click on Confirm to continue.
12. A results page will display the status of your request.
13. Click on Finish to complete the process.
14. The new user will receive an SMS or App notification containing a unique Security Code; the
notification will direct them to go to the FNB home page and to register for Online Banking using this
unique code; kindly alert the user to expect this message and request that they register within 24
hours.

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Primary User - Resend a Security Code

If a new User does not complete the registration process within 24 hours of receiving the notification, the
Security Code will expire, and the user will need to ask the Primary User to Resend a Security Code.

How to Resend a Security Code

1. Click on the menu and then select Online Banking Settings.

2. The Settings Dashboard will be displayed.
3. Under Manage Profiles, click on the View easy button for Secondary Users.
4. If you already have Secondary Users linked to your profile, they will be displayed.
5. Select the Request Status sub-tab.
6. Click on the Resend Code option for the respective user.
7. A results page will display the status of your request.
8. Click on Finish to complete the process.

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Secondary User - Registering for Online Banking

Once you have been added to an Online Banking profile as a user, you will automatically receive an SMS or
App notification containing a unique Security Code and you will be directed to register for Online Banking.

• The Security Code is only valid for 24 hours; if the Security Code expires you will need to request
the Primary User to Resend the Security Code.

Business Rules:
• It is imperative that your Contact Details are captured correctly and are kept up to date as
these details are used to verify your identity as well as to communicate your personal
authentication and/or authorisation details with you.
• For security purposes, you should have your own unique login details; your username and
password are the keys to accessing your Online Banking profile.
o Keep your Username and Password confidential at all times; never disclose your
credentials to anyone.

How to Register for Online Banking as a Secondary User

1. Open the FNB website via your PC browser and select Register on the top of the home page.
2. Select the Register with an ID Number and Security Code option.
3. Enter the Security Code provided in the notification and then enter your Identity Details.
4. Before you can continue, you will be required to read and accept the Terms and Conditions.
5. Click on Continue.
6. Your Personal Details will be displayed; check that these details are correct and, if necessary,
update or correct them where necessary.
7. Create your unique Access/Login Details for Online Banking, i.e. User ID/Username and
Password.
8. Complete your One Time PIN (OTP) details.
The OTP is a unique 4-digit security PIN which is time-sensitive; you will be required to enter an
OTP as confirmation when performing certain functions on Online Banking.
9. Click Submit.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. Click on Confirm to continue.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.

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Secondary User – Logging in for the First Time

Once you have successfully registered for Online Banking you must log in to your profile to complete the
process.

Note:
• A Secondary User can not log in to a third-party profile via the Banking App, access via the Banking
App is limited to the Primary User.
• The information that you can view and the transactions that you can perform are defined
by the Permissions and Transaction Limits that the Primary User has set for you.

Compliance

To comply with legislation, all Online Banking users must be KYC (FICA) compliant.

When logging in for the first time, if the bank was unable to verify your personal details, you may be
prompted to provide additional personal information and/or upload supporting documents for identification
and verification.

You will not be able to access your profile until the bank has completed the verification process.

Quick Tips
• To eliminate any delays, have the following documents on hand:
o Identity / Passport Document
o Proof of Address (No older than 3 months)
▪ Each document (ID/Passport and Proof of Residence) must be scanned and
uploaded separately.
▪ Valid file formats include DOC, DOCX, RTF, TXT, TEXT, CSV, PDF, BMP, GIF,
JPG, JPEG and PNG.
▪ The maximum size per scanned document is 4MB

Important information regarding the verification process

• You will not be able to access your profile until the bank has completed the verification process.
• The verification process may take up to 5 working days.
• While your documents are being verified by the bank, the screen prompting you to upload your
supporting documents will continue to be displayed every time you log in to Online Banking.
• Please do not upload your supporting documents more than once as this will delay the current
verification process.
• If further supporting documents are required, an FNB agent will contact you.
• Once your details have been verified by the bank, this screen will no longer be displayed, and you
will be able to bank as usual.

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Logging in as a Secondary User for the First Time

1. Open the FNB website via your PC browser, enter your Username and Password, and then click
Login.
2. If the bank was unable to verify your personal details, you may be prompted to provide additional
personal information and/or upload supporting documents for identification and verification.
• This message will be displayed every time that you log in, until the supporting documents
have been received and verified by the bank.
• You will not be able to access your profile until the bank has completed the
verification process.
3. If the bank was able to verify your details, the Welcome Page will be displayed and you may
begin your Online Banking journey!

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View Permissions

The Primary User (Profile Owner) can use this function to view the default permissions on the accounts
linked to their Online Banking profile.

These permissions are based on product type and can not be changed.

View Permissions
1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the View easy button next to View Permissions.
4. A list of all the accounts linked to your profile will be displayed together with your current online
permissions for each account.
5. Click on Finish to return to the Online Banking sub-tab.

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View Login History

Use this function to view all login events on your profile for the past 14 days.

The following information is displayed:

• Date & Time
• Event Description (successful / unsuccessful)

If you are the Primary User (Profile Owner), you can View the Login History for each Secondary User
that is linked to your profile.

For your convenience, your last login event is displayed at the top of the Home Tab.

Important Information about Login History

This function is available to the Primary User (Profile Owner) of both Consumer
and/or Business Profiles.
Should you notice any suspicious activity on your Login History, please contact our
Fraud Prevention Centre immediately.

View Login History

1. Click on the View History hyperlink at the top centre of the Home Tab.
Or
1. Click on the burger menu and then select Online Banking Settings in the left menu.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the View easy button next to View Login History.

4. The last 14 days of login events for yourself will be displayed.

5. If you are the Primary User (Profile Owner), you can view the Login History for each Secondary
User that is linked to your profile by simply selecting the user from the User Name drop-down list
above the record table.
6. Click on the Search table action to search across all fields.
7. Enter a minimum of two alphanumeric characters in the Search field.
8. The results of your search will be displayed.
9. Click on Finish.

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View Activity History
Activity History is a comprehensive reflection of all the activity performed via on our Digital Banking platforms
which helps you to keep an eye on what’s happening on your profile.

Your Activity History is grouped by Session, i.e. a summary of the activity that took place on your profile from
the time you logged in to the time you logged out.

The following information can be viewed per session:

View Summary
• Digital Banking platform that was used, i.e. Online Banking or the Banking App

• Date
• Time that the session started
• Duration of the session
• An overview of the activity that took place during the session, eg. Payment Transfer, Viewed etc.

View Session
• All activity performed within the respective session, including the exact time that each activity took
place.

View Session Details

• Browser / Device used • Time Started • Location (Geo Location)
• Time Ended • Summary
• Status of Browser /
Device • Date

Business Rules
• This functionality is limited to the Primary User (Profile Owner) of an Individual or Business profile.

View Activity History

1. Select Menu.

2. Select Online Banking Settings.

3. Select View next to Activity History.
4. Your summarised Activity History will be displayed.
5. Select View Session at the bottom of the respective summary to view a complete list of all activity
that took place during the session.
6. Click on any of the activities to view the Session Details.
7. Select Back to return to the Session Details, and select Back again to return to your summarised
Activity History.

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Security

OTP - One-Time PIN

Use this function to maintain your One-Time PIN (OTP) delivery preferences.

The following functionality is available:

• Maintain the cellphone number for both your Primary / Secondary OTP delivery option.
• Change OTP delivery option/s from Email to Cellphone.
• If you have not yet done so, you can add cellphone details for a Secondary option.
• Maintain details for both the Primary and Secondary options for your Secondary Users.

Important Information about OTP Preferences

• To update your OTP Preferences via Online Banking you must have your
new cellphone number and you must still be receiving your OTP
notifications on your old cellphone number.
• This functionality is restricted to the Primary User (Profile Owner).
• For your security, the preferred delivery mechanism for OTP notifications
is via SMS; should you require your delivery mechanism to be an email
address, please contact Digital Banking Support.

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Where can you maintain OTP delivery preferences?

Update via Online Banking

• If you have a new cellphone number and you are still receiving your OTP notifications on your old
cellphone number, which is in your possession, you can update your preferences via Online
Banking.

Update via an FNB ATM

• If you have a new cellphone number and you no longer receive your OTP notifications on your old
cellphone number, and you are in possession of a Chip and PIN card, you can update your
preferences via an FNB ATM.

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Maintain OTP Preferences

Important Information about OTP Preferences

• To update your OTP Preferences via Online Banking you must have your
new cellphone number and you must still be receiving your OTP
notifications on your old cellphone number.

Primary User (Profile Owner)'s OTP Preferences

Change your (Primary User (Profile Owner)) OTP Preferences

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the Change easy button for OTP.
4. You will be presented with two options, click on Continue for Option 1.
5. Your current details will be displayed.
6. Amend your OTP details as required.
7. Click on Update.
8. A confirmation page will be displayed.
9. Check that this information is correct and, if necessary, click Edit to make any amendments.
10. Click on Confirm.
11. An OTP capture page will be displayed.
12. Enter the OTP that has been sent to your old cellphone number and then click on Submit.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.

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Secondary User's OTP Preferences

Change a Secondary User's OTP Preferences

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the View easy button next to Secondary Users.
4. A list of the Secondary Users linked to your profile will be displayed.
5. Click on the Maintain easy button for the respective Secondary User.
6. The Maintain User page will display the Personal Details, Status, Permissions and Limits for the
respective user.
7. Click on Continue.
8. The Maintain User capture page will be displayed.
9. Amend the OTP details as required.
10. Click on Update.
11. A confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click Edit to make any amendments.
13. Click on Confirm.
14. A results page will display the status of your request.
15. Click on Finish to complete the process.

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Change User ID & Password

Use this function to maintain your unique Online Banking log in details, i.e., your Username and/or
Password.

Important Information about Changing your User ID and/or Password

Please take note of the Business Rules for a Username and/or Password:

For security purposes, every user should have their own unique login details;
their username and password are the keys to accessing their profile.

A user must keep their Username and Password confidential at all times;
these credentials should never be disclosed to anyone.

Username Rules:
• A Username must be between 8 and 30 characters long.
• A Username must contain the following:
o Lower case (a-z)
o Upper case (A-Z)
o Number (0-9)
o Special character (@ or .)

Password Rules:

• A Password must contain between 7 and 30 characters.

• A Password must contain at least 3 of the following:
▪ An uppercase letter (A – Z)
▪ A lowercase letter (a – z)
▪ A number (0 – 9)
▪ A special character (!@#$&)
• A Password may not
▪ Contain the user’s Username
▪ Match the previous 3 passwords

Based on the rules above, a strong password would look like this: P@sw0rd1

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Change User ID and/or Password
1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the Change easy button next to Change User ID & Password.
4. The Change User ID & Password capture page will be displayed.
5. Create a New Username and/or Password in line with the on-screen parameters.
6. Re-enter your new password.
7. Click on Update.
8. A confirmation page will be displayed.
9. Check that this information is correct and, if necessary, click on Edit to make amendments.
10. Click on Confirm.
11. A results page will display the status of your request.
12. Click on Finish to complete the process.

Retrieve Trend Micro™ Licence Key

If you have previously installed Trend Micro™ on your devices, you can use this function to view your
existing Trend Micro™ Licence Key.

How to View your Trend Micro™ Licence Key via Online Banking Settings

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Under the security heading, click on the View easy button for Trend Micro™ Licence Key.
4. Your free licence key will be displayed.

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Temporarily Block/Unblock your Banking Profile

To avoid becoming a victim of fraud and/or to minimise any losses related to fraud, you can use this function
to temporarily block your banking profile (Banking App and Online Banking) in real-time in order to prevent
any unauthorised activity on your account.

When you Block your banking profile, this will immediately terminate any open banking sessions on both the
Banking App and on Online Banking.

Business Rules

• This function is available to the Primary User (Profile Owner) .

Temporarily Block your Banking Profile

1. Click on the hamburger menu and then click on Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Under the Security header, click on the Block easy button for Block Profile.
4. A confirmation page will be displayed.
5. Please take note of this information and, if necessary, click on Back to return to the Online Banking
Settings dashboard.
6. To continue, click on Block.
7. A results page will display the status of your request.
8. Click on Finish to complete the process.

Unblock your Banking Profile

1. Log in to your Online Banking profile using your current Username and Password and follow the
prompts.
2. If you require assistance, please contact Digital Banking Support.

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Preferences

Default Account Settings

Use this function to specify your Default Account Settings.

• Default Account Settings

• Default Payment Account
o Select the account that you would use most frequently when making payments; when
making a payment, this will be the default account but you can still select a different account
from the account drop-down list.
• Default Billing Account
o Select the account to be billed for all non-financial events that occur on your Savings and
Transmission Accounts; an example of a non-financial event is the cost for using the Verify
Owner functionality.

Important Information about a Default Billing Account

Your day to day service fees will still be billed to the respective account; the
Default Billing Account is only for non-financial events.

Change Default Account Settings

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the Change easy button next to the Payment Account or Billing Account.
4. The Preferences capture page will be displayed.
5. Select the respective Default Account from the drop-down list.
6. Click on Update.
7. A confirmation page reflecting the changes that you have requested will be displayed.
8. Check that this information is correct and, if necessary, click on Edit to make amendments.
9. Click on Confirm.
10. A results page will display the status of your request.
11. Click on Finish to complete the process.

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5.11 Visible Accounts

By default, all accounts that are linked to your Online Banking profile are displayed on the My Bank
Accounts sub-tab and are available for online transacting.

Use this function to select which of your accounts you would like to be visible on your My Bank Accounts
sub-tab.

Important Information about a Visible Accounts

• This functionality is restricted to the Primary User (Profile Owner).

• De-selecting the Visible option will only remove an account from your
Online Banking profile; the account will still be visible and accessible via
other electronic channels such as ATMs.
• When making changes to the visibility of an account on your profile, it will
affect permissions given to any Secondary Users.
• If an account is set as ‘Not Visible’ it will no longer be displayed to
Secondary Users.
• If an account is changed back to ‘Visible’ you will need to grant the
respective Permissions to the Secondary User again.

Set Visible Accounts

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the Change easy button next to the Visible Accounts.
4. The Visible Accounts capture page will be displayed.
5. Click in the check box to select the account/s that you would like to be Visible on the My Bank
Accounts page. To deselect an account simply click in the check box again to remove the tick.
6. Click on Update.
7. A confirmation page will be displayed.
8. Check that this information is correct and, if necessary, click on Edit to make any amendments.
9. Before you can continue you will be required to read and accept the Terms and Conditions.
10. Click on Confirm.
11. A results page will display the status of your request.
12. Click on Finish to complete the process.

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Banking Sub-Tab

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Banking Sub-Tab Overview

The Banking sub-tab allows you to manage your electronic subscriptions and alerts.

The following functionality is available:

• Banking Sub-Tab
o My Devices and Browsers
▪ View and Manage My Devices and Browsers
o Manage My Subscriptions
▪ inContact
▪ My Devices and Browsers
▪ Cellphone Banking
o Alerts
▪ Balance Alerts
▪ Limit Alerts
▪ Scheduled Payment Alerts

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My Devices and Browsers Overview

Use this functionality to manage the Devices and Browsers that are being used to access your Online
Banking profile.

The following functionality is available:

• My Devices and Browser Alerts

• View My Devices and Browsers
• My Unverified Devices
o Verify Device
o Delink Device
• My Verified Devices
o Maintain Device Nickname
o Delink Device
• Browsers Linked to your Profile
o Delink (Unverified) or Delete (Verified) Browser

My Devices and Browser Alerts

If you have recently linked a new device to your profile, or if a device linked to your profile has not been
verified within 6 months of it being linked, a My Devices and Browsers page will pop-up when you log in to
your Online Banking profile to alert you of these New and/or Dormant Devices.

The Device Nickname as well as the Linked Date will be displayed.

Click on Manage Devices to be redirected to your Online Banking Settings where you can either Verify or
Delink the respective device.

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View My Devices and Browsers

Use this functionality to view which Devices and Browsers are being used to access your Online Banking
profile.

For your ease of reference, this information is grouped into four categories:

1. My Unverified Devices
2. My Verified Devices
3. My Unverified Browsers
4. My Verified Browsers

The following information is displayed:

• Device Nickname and Linked Date

• Browser Name and Last Used Date

Important Information about your Devices and Browsers

• If you do not recognise a device, please delink it immediately and report the
incident to the Digital Banking Fraud Team.
• We recommend that you view your linked Devices and Browsers
periodically so that you can detect fraudulent or unsafe behaviour.

View your Devices and Browsers

1. Click on the hamburger menu and then select My Devices and Browsers.
2. The My Devices and Browsers page will display a list of the Devices and Browsers that have been
used to access your Online Banking profile.
3. Click on Back to exit this page and return to the Banking Settings Dashboard.

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Verify a Device via Online Banking

If you are using a new device to access your Online Banking profile you can use this function to Verify the
new Device.

Until you Verify the status of a device i.e. the Status reflects as Not Verified, you will have limited access to
banking functionality when using that device.

Verify a Device

1. Click on the hamburger menu and then select My Devices and Browsers.
2. The My Devices and Browsers page will display a list of the Devices and Browsers that have been
used to access your Online Banking profile.
3. Click on the Verify easy button of the respective device.
4. Click on Update.
5. A confirmation page will be displayed.
6. Check that this information is correct and, if necessary, click Cancel to make any amendments.
7. Click on Confirm.
8. A results page will display the status of your request.
9. Click on Finish to complete the process.

Verify a Device with a QR Code via the Banking App

If you have a new device and you are still in possession of your old device, you can use this function to
Verify the new Device via a QR Code generated on the Banking App.

Until you Verify the status of a device i.e. the Status reflects as Not Verified, you will have limited access to
banking functionality when using that device.

Business Rules

• To use this functionality, you must be in possession of both your new and old (verified) device.
• The Banking App must be installed on both devices.
• The old device must still reflect as Verified on your My Devices and Browsers page.
• The old device and new device must be placed side by side for this function to work.

Verify a Device with a QR Code

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 1. Launch the Banking App on your old (verified) device and Login using your Online Banking
Password or Biometrics.
2. Select Settings from the Menu.
3. Select My Devices + Browsers.
4. A list of both the verified and unverified devices and browsers that have been used to access your
Online Banking profile will be displayed.
5. Under Unverified, select the new device that you would like to verify.
6. Select the option to Verify with QR Code.
7. A QR Code will be displayed on the old (verified) device.

8. Ensure that the old (verified) and new (unverified) devices are placed side by side.

9. Launch the Banking App on your new (unverified) device and Login using your Online Banking
Password or Biometrics.
10. Select Settings from the Menu.
11. Select My Devices + Browsers.
12. A list of both the verified and unverified devices and browsers that have been used to access your
Online Banking profile will be displayed.
13. Under Unverified, select the new device that you would like to verify.
14. Select the option to Verify with QR Code and then select Scan QR Code.

15. Use the new device to scan the QR code that was generated on your old (verified) device.
16. The new (unverified) device will now reflect as verified on the My Devices and Browsers page.

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Delink a Device

Use this function to remove access to your Online Banking Profile from a specific Device.

Reasons to delink a device

• Lost / stolen device – Contact the Fraud Department for immediate assistance.
• No longer in possession of the device (You have given it to someone else)
• You have a new device (Where possible, always link your new device before delinking the
current device.)

Delink a Device

1. Click on the hamburger menu and then select My Devices and Browsers.
2. The My Devices and Browsers page will display a list of the Devices and Browsers that have been
used to access your Online Banking profile.
3. Click on the Delink easy button of the respective device.
4. Click on Update.
5. A confirmation page will be displayed.
6. Check that this information is correct and, if necessary, click Cancel to make any amendments.
7. Click on Confirm.
8. A results page will display the status of your request.
9. Click on Finish to complete the process.

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Maintain Device Name

If you use multiple devices to access your Online Banking Profile, allocating a Nickname to each device will
assist you to recognize the device being used.

Maintain Device Name

1. Click on the hamburger menu and then select My Devices and Browsers.
2. The My Devices and Browsers page will display a list of the Devices and Browsers that have been
used to access your Online Banking profile.
3. Click on the Maintain easy button of the respective device.
4. Enter a Name for the Device.
5. Click on Update.
6. A confirmation page will be displayed.
7. Check that this information is correct and, if necessary, click Cancel to make any amendments.
8. Click on Confirm.
9. A results page will display the status of your request.
10. Click on Finish to complete the process.

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Delink or Delete Browser

Use this function to remove access to your Online Banking Profile from a specific browser.

• If the browser is unverified, you can Delink it.

• If the Browser is verified, you can Delete it.

If you see a suspicious browser, please contact the Fraud Department for immediate assistance. for
immediate assistance

Delink or Delete a Browser

1. Click on the hamburger menu and then select My Devices and Browsers.
2. The My Devices and Browsers page will display a list of the Devices and Browsers that have been
used to access your Online Banking profile.
3. Click on the Delink/Delete easy button of the respective browser.
4. Click on Update.
5. A confirmation page will be displayed.
6. Check that this information is correct and, if necessary, click Cancel to make any amendments.
7. Click on Confirm.
8. A results page will display the status of your request.
9. Click on Finish to complete the process.

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Manage My Subscriptions

inContact

Use this function to register for the inContact / inContact Pro service and maintain your inContact settings.

inContact is an innovative messaging system that notifies you of activity on your accounts, helping you to
keep track of your financial transactions as they occur and identify unauthorised transactions immediately.

A message will be sent each time a transaction above an amount specified by you is carried out on any of
your transactional account/s.

Important Information about inContact / inContact Pro

• This functionality is restricted to the Primary User (Profile Owner).

• Registration is free and there are no subscription fees.
• By default, messages are only sent for transactions that are greater than
R100.00 but you can set your preferred transaction amount.
• If you select to only receive messages during business hours, you will
receive a single message in the morning which details multiple debits that
were processed overnight i.e. debit orders, stop orders, and scheduled
payments
• You can only select to receive messages for transactions on the accounts
that you own; you cannot set up inContact for accounts which you access via
a link or a mandate.
• To de-register from this service please contact Digital Banking Support or
your Branch.

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inContact

• For Consumer clients

• Maximum of 1 SMS and/or 1 Email Notification for all your own transactional accounts on your
profile.

inContact Pro

• For Business clients

• If you register for inContact Pro via Online Banking, the maximum is 1 SMS and/or 1 Email
Notification for all your own transactional accounts on your profile.

• If you set up or maintain inContact Pro at a branch, you can allocate up to 3 SMS and/or 3 Email
Notifications per account.

Register for inContact

Use this function to register for the inContact / inContact Pro service.

Register for inContact

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the Banking sub-tab.
4. The Settings dashboard for the Banking sub-tab will be displayed.
5. Click on the Change easy button for inContact.
6. The inContact capture page will be displayed.
7. Select a Notification Method for the inContact messages, SMS, Email or Both.
8. Based on the Notification Method/s that you selected, enter the SMS Cellphone Number and/or
Email Address.
9. Select your Message Preferences, i.e. during which hours you would like to receive messages.
10. Click on Add.
11. A confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click Edit to make any amendments.
13. Before you can continue you will be required to read and accept the Terms and Conditions.
14. Click on Confirm.
15. A results page will display the status of your request.
16. Click on Finish to complete the process.

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Maintain your inContact Details

Use this functionality to maintain your inContact settings.

The following inContact options can be maintained online:

• Notification Method
o SMS
o Email
o Both
• SMS Cellphone Number / Email Address
• Message Preferences
o Business Hours Only
o 24 Hours a Day
• Transaction Amount

Maintain your inContact Details

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the Banking sub-tab.
4. The Settings dashboard for the Banking sub-tab will be displayed.
5. Click on the Change easy button for inContact.
6. The inContact capture page will be displayed.
7. Make the required changes to your inContact settings.
8. Click on Update.
9. A confirmation page will be displayed.
10. Check that this information is correct and, if necessary, click Edit to make any amendments.
11. Before you can continue you will be required to read and accept the Terms and Conditions.
12. Click on Confirm.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.

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Cellphone Banking
Use this function to maintain your Cellphone Banking profile.

The following information can be maintained via Online Banking:

• Change PIN
o Use this function to change your Cellphone Banking PIN.

• Verify Status
o Use this function to change the status of your Cellphone Banking profile to Verified.

• Profile Status
o Use this function to suspend your Cellphone Banking profile.

• Active Services
o Use this function to Activate or Deactivate the following services on your Cellphone Banking
profile:
▪ Accounts and Transfers
▪ Payments
▪ Prepaid

Business Rules:
• This functionality is restricted to the Primary User (Profile Owner) of a consumer profile.

Maintain your Cellphone Banking Profile

1. Select the Menu and then select Online Banking Settings.
2. Select the Banking sub-tab.
3. The Settings dashboard for the Banking sub-tab will be displayed.
4. Click on the Change easy button for Cellphone Banking.
5. The Cellphone Banking Profile capture page will be displayed.
6. If required, click on the respective button to Change your PIN or Verify the Status of your
Cellphone Banking profile, or select the required status for your Active Services from the drop-
down menus.
7. Select Update.
8. A confirmation page will be displayed.
9. Check that this information is correct and, if necessary, click Edit to make any amendments.
10. Click on Confirm.
11. A results page will display the status of your request.
12. Click on Finish to complete the process.

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Alerts

My Balance Alerts

Use this function to register, maintain or cancel the My Balance Alert service.

The Balance Alert service will send an SMS and/or email alert to you on a day and frequency specified by
you to notify you of the previous day's closing account balance/s.

Important Information about My Balance Alerts

• This functionality is restricted to the Primary User (Profile Owner).

• Electronic Services are account/product specific.
• Electronic Services are subject to a monthly subscription fee per
account. See the pricing guide for more information.
• Balance Alerts can be set-up for multiple accounts, (a maximum of 20
accounts can be maintained at one time), and the Balance Alert amount
can be specified per account, however, the selected frequency for
alerts will apply to all the selected accounts.
• Alerts are sent at 07h00 on the day that you specify.

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Register for the My Balance Alert Service

Use this function to register for the My Balance Alert Service.

The Method of Notification and the Frequency of alerts is specified by you:

Notification Method
SMS and/or Email
Frequency
Daily
Weekly
Monthly

Register for Balance Alerts

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the Banking sub-tab.
4. The Settings dashboard for the Banking sub-tab will be displayed.
5. Click on the Change easy button for My Balance Alert.
6. The Balance Alert capture page will be displayed.
7. Enter the required Email Address and/or Cellphone Number for the alerts.
8. Select the Frequency for the alerts.
9. Based on the Frequency that you selected, you will be required to receive the day/date that you
would like to receive the notification/s.
10. Click in the Activate Balance Alert check box of the respective account/s that you would like to
receive alerts for.
11. Before you can continue you will be required to read and accept the Terms and Conditions.
12. Click on Update.
13. A confirmation page will be displayed.
14. Check that this information is correct and, if necessary, click Edit to make any amendments.
15. Click on Confirm.
16. A results page will display the status of your request.
17. Click on Finish to complete the process.

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Maintain your My Balance Alert Service

Use this function to maintain your My Balance Alert settings.

The following options can be maintained:

• Notification Method
• Frequency of the Alerts
• Account selection

Maintain Balance Alert settings

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the Banking sub-tab.
4. The Settings dashboard for the Banking sub-tab will be displayed.
5. Click on the Change easy button for My Balance Alert.
6. The Balance Alert capture page will be displayed.
7. Make the required changes to your Balance Alert settings.
8. Before you can continue you will be required to read and accept the Terms and Conditions.
9. Click on Update.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click Edit to make any amendments.
12. Click on Confirm.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.

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Cancel My Balance Alert Service

Use this function to cancel the My Balance Alert Service.

To only remove selected accounts from the Balance Alert service, please use the maintenance function.

Cancel Balance Alert Service

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the Banking sub-tab.
4. The Settings dashboard for the Banking sub-tab will be displayed.
5. Click on the Change easy button for My Balance Alert.
6. The Balance Alert capture page will be displayed.
7. If you only have a few transactional accounts, simply click in the Activate Balance Alert checkbox
to deselect the selected accounts. If you have a large volume of transactional accounts, click on the
Select All hyperlink above the Activate Balance Alert checkbox to select all your account and then
click on the Deselect All hyperlink.
8. Before you can continue you will be required to read and accept the Terms and Conditions.
9. Click on Update.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click Edit to make any amendments.
12. Click on Confirm.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.

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My Limit Alerts

Use this function to register, maintain or cancel the My Limit Alert service.

The My Limit Alert service will send an SMS and/or email alert to you when your account has reached a limit
specified by you.

Important Information about My Limit Alerts

• This functionality is restricted to the Primary User (Profile Owner).

• Electronic Services are account/product specific.
• Electronic Services are subject to a monthly subscription fee per
account. See the pricing guide for more information.
• Limit Alerts can be set-up for multiple accounts, (a maximum of 20
accounts can be maintained at one time), and the Limit Alert amount can
be specified per account.

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Register for the My Limit Alert Service

Use this function to register for the My Limit Alert Service.

Register for My Limit Alerts

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the Banking sub-tab.
4. The Settings dashboard for the Banking sub-tab will be displayed.
5. Click on the Change easy button for My Limit Alert.
6. The Limit Alert capture page will be displayed.
7. Enter the required Email Address and/or Cellphone Number for the alerts.
8. Click in the Activate Limit Alert check box of the respective account/s that you would like to receive
alerts for and enter the Limit Amount for each of the selected accounts.
9. Before you can continue you will be required to read and accept the Terms and Conditions.
10. Click on Update.
11. A confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click Edit to make any amendments.
13. Click on Confirm.
14. A results page will display the status of your request.
15. Click on Finish to complete the process.

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Maintain your My Limit Alert Service

Use this function to maintain your My Limit Alert settings.

The following options can be maintained:

• Notification Method
• Account Selection
• Limit Amount

Maintain your My Limit Alert Settings

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the Banking sub-tab.
4. The Settings dashboard for the Banking sub-tab will be displayed.
5. Click on the Change easy button for My Limit Alert.
6. The Limit Alert capture page will be displayed.
7. Make the required changes to your Limit Alert settings.
8. Before you can continue you will be required to read and accept the Terms and Conditions.
9. Click on Update.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click Edit to make any amendments.
12. Click on Confirm.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.

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Cancel the My Limit Alert Service

Use this function to cancel the My Limit Alert service.

To only remove selected accounts from the My Limit Alert service, please use the maintenance function.

Cancel the My Limit Alert Service

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the Banking sub-tab.
4. The Settings dashboard for the Banking sub-tab will be displayed.
5. Click on the Change easy button for My Limit Alert.
6. The Limit Alert capture page will be displayed.
7. If you only have a few transactional accounts, simply click in the Activate Limit Alert checkbox to
deselect the selected accounts. If you have a large volume of transactional accounts, click on the
Select All hyperlink above the Activate Limit Alert checkbox to select all your account and then
click on the Deselect All hyperlink.
8. Before you can continue you will be required to read and accept the Terms and Conditions.
9. Click on Update.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click Edit to make any amendments.
12. Click on Confirm.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.

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Scheduled Payment Alerts

Use this function to register, maintain or cancel the Scheduled Payment Alert service.

The Scheduled Payment Alert Service sends you an alert one business day prior to the processing date of
your Scheduled Payment/s.

When activating the Scheduled Payment Alert option on an account you can choose between two types of
alerts:

1. One Working Day Prior as a reminder

2. Inadequate funds in the respective account to fund an upcoming Scheduled Payment

Important Information about Scheduled Payment Alerts

• This functionality is restricted to the Primary User (Profile Owner).

• Electronic Services are account/product specific.
• Electronic Services are subject to a monthly subscription fee per
account. See the pricing guide for more information.
• Scheduled Payment Alerts can be set-up for multiple accounts, (a
maximum of 20 accounts can be maintained at one time), and the Alert
Type can be specified per account.
• Alerts are sent at 07h00 one day before the specified transaction date.

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Register for Scheduled Payment Alerts

Use this function to register for the Scheduled Payment Alert Service.

Register for Scheduled Payment Alerts

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the Banking sub-tab.
4. The Settings dashboard for the Banking sub-tab will be displayed.
5. Click on the Change easy button for Scheduled Payment Alerts.
6. The Scheduled Payment Alert capture page will be displayed.
7. Enter the required Email Address and/or Cellphone Number for the alerts.
8. Click in the Activate Limit Alert check box of the respective account/s that you would like to receive
alerts for and select the Alert Type from the drop-down menu for each of the selected accounts.
9. Before you can continue you will be required to read and accept the Terms and Conditions.
10. Click on Update.
11. A confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click Edit to make any amendments.
13. Click on Confirm.
14. A results page will display the status of your request.
15. Click on Finish to complete the process.

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Maintain your Scheduled Payment Alert Details

Use this function to maintain your Scheduled Payment Alert settings.

The following options can be maintained:

• Notification Method
• Account Selection
• Alert Type

Maintain Scheduled Payment Alert Settings

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the Banking sub-tab.
4. The Settings dashboard for the Banking sub-tab will be displayed.
5. Click on the Change easy button for Scheduled Payment Alerts.
6. The Scheduled Payment Alert capture page will be displayed.
7. Make the required changes to your Scheduled Payment Alert settings.
8. Before you can continue you will be required to read and accept the Terms and Conditions.
9. Click on Update.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click Edit to make any amendments.
12. Click on Confirm.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.

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Cancel the Scheduled Payment Alert Service

Use this function to cancel the Scheduled Payment Alert Service.

Cancel the Scheduled Payment Alert Service

1. Click on the hamburger menu and then select Online Banking Settings.
2. The Settings dashboard for the Online Banking sub-tab will be displayed.
3. Click on the Banking sub-tab.
4. The Settings dashboard for the Banking sub-tab will be displayed.
5. Click on the Change easy button for Scheduled Payment Alerts.
6. The Scheduled Payment Alert capture page will be displayed.
7. Click in the check box of the respective account to remove the tick and no longer receive
Scheduled Payment Alerts for that account.
8. Before you can continue you will be required to read and accept the Terms and Conditions.
9. Click on Update.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click Edit to make any amendments.
12. Click on Confirm.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.

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eBucks Rewards Tab
4.1 eBucks Rewards Tab Overview

FNB rewards their clients with up to 15% back in cash or eBucks on their purchases when they use their
qualifying Cheque or Credit Card products.

There are two rewards options:

1. My Rewards
o Rewards for consumer clients
2. eBucks for Business
o Rewards for business clients

Important Information about Rewards

• The Rewards tab is restricted to the Primary User (Profile Owner) and is
therefore not visible to a Secondary User, this includes all eBucks
functionality.
• A Secondary User will only be able to View or Search the Transaction
History and Detailed Balance of an eBucks Account via the My Bank
Accounts Tab if the Primary User (Profile Owner) has allocated the Secondary
User Viewing Permissions to that account.
• For all eBucks related queries please call the eBucks Contact Centre.

What is eBucks?

eBucks is a reward programme which enables you to earn and spend eBucks through various partners.

You earn eBucks by simply banking with FNB and for using your Credit or Cheque Cards to make purchases
from any of the eBucks partners.

Ten eBucks is worth one Rand. Unlike other rewards, eBucks never expire and can be saved up.

There are several ways that you can spend your eBucks:
• eBucks Shop
• eBucks Travel
• Online at eBucks internet partners

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 • In-store at eBucks card partners
• Fill up with eBucks at Engen
• Use your eBucks to purchase Prepaid Services or LOTTO/PowerBall tickets via Online Banking

The eBucks Rewards Tab Landing Page

The following information is displayed on the landing page of the Rewards Tab:

• Your eBucks Balance

o This is the total balance of the eBucks earned on all your linked accounts/products.
o This balance is also displayed on the Accounts landing page.

• eBucks Actions

o This column displays the current eBucks status of qualifying accounts/products that could
earn you more eBucks.
o Simply click on the Link Now hyperlink of a qualifying product to link it to your eBucks
account.

• Last Earn Amount

o This is the last amount of eBucks earned on each of your linked accounts.

• eBucks Retail Partners

o Learn more about the current eBucks Retail Partners and how you can earn or spend
eBucks at these partners.
o Note: Clicking on the Retail Partners hyperlink will end your current Online Banking session
and will redirect you to the eBucks web site.

• Discounts and Monthly Top Sellers

o Current eBucks Discounts and Monthly Top Sellers are displayed for your convenience.
o Note: Clicking on the Retail Partners hyperlink will end your current Online Banking session
and will redirect you to the eBucks web site.

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4.2 eBucks Functionality

Go to eBucks.com

Use this function to be redirected to the eBucks website.

Go to eBucks.com

1. Click on the eBucks Rewards tab.

2. The eBucks.com website will be displayed.
3. If you are already registered for eBucks the My eBucks tab will be displayed.
4. Click on the Home tab.

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Join eBucks

Use this function to join eBucks.

Important Information about the Join eBucks process

• The Join eBucks process is not immediate; once you have submitted your
information the process may take up to 30 minutes; you do not need to remain
logged into Online Banking during this time.
• There is a linkage fee to earn eBucks on a Credit Card.
• For all eBucks related queries please call the eBucks Contact Centre.

Join eBucks

1. Click on the eBucks Rewards tab.

2. The eBucks website will open and the Home page of the For Me tab will be displayed.
3. Click on the Join eBucks hyperlink on the top right of the page.
4. The Personal Information capture page will be displayed.
5. Your Personal Details and Contact Details will be pre-populated; amend them if required.
6. If required, amend your Contact Preferences.
7. Select your type of Postal Address from the drop-down menu.
8. Capture your address details in the fields provided and then click on Find Suburb.
9. The Address Search Results will display all possible matches for your address.
10. Click in the checkbox next to the correct address and then click on Next.
11. The Address Confirmation page will be displayed.
12. Check that the information displayed is correct and, if necessary, click on Back to make any
amendments or click Save to continue.
13. Your completed Address Details will be displayed.
14. Click on Next.
15. The Log in Information capture page will be displayed.
16. Enter and Confirm your four-digit numeric PIN.
17. Click on Next.
18. The Confirmation page will be displayed.
19. Check that the information displayed is correct and, if necessary, click on Change to make any
amendments.
20. Before you can continue, you will be required to accept the Terms and Conditions.
21. Click on Next.
22. The Results page will display the status of your request.

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Order eBucks Card

Use this function to order an eBucks card.

• If you select to pay the courier fees for your card using your Credit or
Cheque Card, ensure that you have activated the Verified by Visa
security option on the respective card before you start this process.
• Verified by Visa is available on the My Bank Accounts tab > My Cards
sub-tab >

Order eBucks Card via Courier

1. Click on the eBucks Rewards tab.

2. The eBucks website will open on the My eBucks page.
3. Click on the Order Card hyperlink on the top right of the page.
4. The Get a new eBucks card page will be displayed.
5. Click on the Order Your Card Now hyperlink for the Get it by courier option.
6. The eBucks Shop tab will be displayed.
7. Click on Add to Cart to order the eBucks card.
8. Click on Checkout.
9. The View Cart page will display your eBucks card.
10. If you have earned sufficient eBucks, you can use your eBucks to pay the courier fee, alternatively,
complete your Credit or Cheque Card details in the fields provided.
11. Click in the checkbox to confirm that the card you are using to pay the courier fee has been secured
by Verified by Visa (Online Secure).
12. Click on Checkout.
13. The Delivery Details page will be displayed.
14. Select Add a New Address from the Choose a Delivery Address drop-down menu.
15. The Add Address capture page will be displayed.
16. Complete your address details in the fields provided.
17. Click on Save.
18. The results of your request will be displayed; click on OK.
19. Choose a Delivery Address from the drop-down menu.
20. Capture your Contact Number and, if required, add specific delivery instructions.
21. Click on Next.
22. The Confirm Order page will be displayed.

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 23. Check that the information displayed is correct and, if necessary, click on Change Cart to make any
amendments.
24. Before you can continue, you will be required to accept the Terms and Conditions.
25. Click on Confirm.
26. The Verified by Visa capture screen will be displayed.
27. Enter the OTP and then click on Submit.
28. The Results page will display the status of your request.

Link Now
If you are an existing eBucks member, use this function to link your qualifying account/product to your
existing eBucks account.

Link Account to eBucks Card

1. Click on the eBucks Rewards tab.

1. or Link Now to link a qualifying account to earn eBucks.

2. The Join eBucks Rewards Programme registration page will be displayed.
3. To ensure that eBucks can keep you updated with your balances and latest offers, complete your
Communication Preference and your Contact Details.
4. Before you can proceed you will be required to read and accept the eBucks Terms and Conditions.
5. Click on Continue.
6. A confirmation page will be displayed.
7. Check that the information displayed is correct and, if necessary, click on Edit to make any
amendments or click Confirm to submit this information.
8. A results page will display the status of your application.
9. Click on Finish to complete the process.

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 1. My Bank Accounts Tab

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6.1 My Bank Accounts Overview

The My Bank Accounts tab provides you with an overview of the accounts and cards that are linked to your
Online Banking Profile.

The My Bank Accounts tab is divided into two sub-tabs:

• My Accounts
• My Cards

The following functionality is available:

My Accounts sub-tab:

• eZiPay
• eZiTransfer
• eZiStatements
• Account Settings
• Transaction History
• Detailed Balance
• Statements
o Statement History
o Interim Statements
o Recreated Statements
o Email Statements
o Tax Certificates
• Instant Solutions
o Instant Accounting
o Instant financial Management
o Instant Payroll
o Merchant Insights
o Instant Invoicing
o Instant Cashflow

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My Cards sub-tab:

• Activate Card
• Update Card Delivery Details
• Online Secure
• Maintain Limits
• View PIN
• Create PIN
• Cancel Card
• Order Replacement Card
• Order Additional Card

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My Accounts Sub-Tab

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6.2. My Accounts Overview

6.2.1 My Accounts Landing Page

The My Accounts page provides you with an overview of the accounts that are linked to your Online Banking
Profile.

The following information and functionality is available on this page:

• Tailored Product and Service Offerings:

o Product and/or service offerings that may be of benefit to you as an individual or to your
existing product profile, are displayed at the top of the My Accounts landing page.
o Simply click on the respective icon to read more about the product or service offering.
o If you Decline the offer, the offer will not be displayed again.

• Account Category:

o For your convenience, your accounts are grouped together by the product type; this
makes it simpler to find an account.

• Account Name:

o Clicking on the Account Name hyperlink will direct you to the Account Settings
functionality for the respective account.

• Balance:

o This is your current account balance, excluding any pending debits or credits.

• Available Balance:

o This is your available account balance, taking pending debits and credits into
consideration.
o Clicking on the Available Balance hyperlink will direct you to the Transaction History for
the respective account.

• Add a New Account:

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 o Clicking on the “+Add a .....Account” option under an account category, will direct you to a
list of products that you qualify for in the respective category. Clicking on a specific
product will direct you to the seamless application process for that product.

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6.3 eZiPay

Use this functionality to make a quick payment to a beneficiary on your Recipient List using the respective
account.

Make an eZiPayment

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Pay easy button of the account that you would like to make the payment from.
4. The eZiPay slide out will be displayed.
5. Select the Recipient Category from the drop-down menu; if you have not categorised this recipient
leave the selection on All Categories.
6. Select the Recipient from the drop-down menu.
7. Enter the My Reference; this is the reference that you would like to appear on the account that you
are transferring the funds from e.g. Lift Club.
8. Enter the Their Reference; this is the reference that you would like to appear on the recipient’s
account e.g. AC Smith.
9. Enter the amount that you would like to pay.
10. Click on Pay.
11. A confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click Edit to make any amendments.
13. Click on Confirm.
14. A results page will display the status of your request.
15. Click on Finish to complete the process.

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6.4 eZiTransfer

Use this functionality to make quick transfers from the respective account.

Important Information about eZiTransfers

• An eZiTransfer can only be made between accounts of the same currency;

i.e. GBP to GBP, USD to USD etc.
• Transfers may take up to 24 hours to reflect in your account.

Make an eZiTransfer

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Transfer easy button of the account that you would like to make the transfer from.
4. The eZiTransfer slide out will be displayed.
5. Use the account switcher to select the account that you would like to Transfer To.
6. Enter the amount that you would like to transfer.
7. Enter the From Reference; this is the reference that you would like to appear on the account that
you are transferring the funds from e.g. Holiday Savings.
8. Enter the To Reference; this is the reference that you would like to appear on the recipient’s
account e.g. Cheque Savings.
9. Click on Transfer.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click Edit to make any amendments.
12. Click on Confirm.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.

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6.5 eZiStatements

Use this functionality to email or download the last three statements on the respective account.

Email or Download eZiStatements

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Statements easy button of the account that you would like the statements for.
4. The eziStatement slide out will be displayed.
5. Click on the respective button to select to Email or Download the statement/s.
6. Select which statements you would like from the drop-down menu.

Email
7. Enter the Email Address that you would like the statements to be sent to.
8. Click on Continue.
9. A confirmation page will be displayed.
10. Before you can continue you will be required to read and accept the Terms and Conditions.
11. Check that this information is correct and, if necessary, click Edit to make any amendments.
12. Click on Confirm.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.

Download
7. Click on Download.
8. Select to Open or Save the statement download.

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6.6 Account Settings

Use the Account Settings functionality to perform account maintenance on the accounts linked to your
profile.

The Account Settings dashboard provides a single point of entry to the most commonly used functionality for
the selected account.

Important Information about Account Settings

• All Account Settings functionality is restricted to the Primary User.

• To maintain a PayPal Profile, select the PayPal Services menu option on
the Forex Tab.
• Account settings functionality is account specific; only the functionality
available on the selected account will be displayed.
• Transaction limits are set at a Digital Banking profile level and not account
level; to amend your daily limits please use the Daily Profile Limits
functionality which is available in the Online Banking Settings page header
options.

For your convenience, the Account Settings information in the User Guide is grouped by product type.

Access Account Settings

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective account.
4. The Account Settings dashboard for the selected account will be displayed.

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6.6.1 Amend Basic Account Settings
Use this function to view and maintain basic account details.

These settings are generic to most account types.

The following Basic Account Settings can be maintained:

• Account Nickname

o This is the personalised Account Name that reflects on the My Accounts record table.
o
o Why would you use this?
o Name your accounts to suit you; it’s easier to remember a name than an account number!
o If you have two cheque accounts linked to your profile and one is joint account, you can
change the Account Nicknames to Joint Cheque Account and Personal Cheque Account so
that you can identify them more easily.
o

• Name on Proof of Payment

o This is the name that will appear on Payment Notifications that you send.
o
o Why would you use this?
o Many clients are known only by their shortened name or by a nickname; instead of Joseph
Soap, you may prefer Joe Soap reflect on the Payment notifications that you send.

Maintain Account Settings

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective account.
4. The Account Settings dashboard will be displayed.
5. Amend the Account Nickname and the Name for your Proof of Payments as required.
6. Click on the Update easy button.
7. A confirmation page will be displayed.
8. Check that this information is correct and, if necessary, click Edit to make any amendments.
9. Click on Confirm.
10. A results page will display the status of your request.
11. Click on Finish to complete the process.

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6.7 Account Settings: Cheque Accounts

The following Account Settings functionality is available for Cheque Accounts:

• Link a Savings Account / Business Call Account to your Transactional Account and Bank your
Change
• Overdraft/Credit Facility Maintenance
• Notifications Services
• Bank Letters
• Order Tablet / Smartphone

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6.7.1 Link your Transactional Account to a Savings Account / Business
Call Account and Bank your Change

A linked Savings Account (Consumers) / Business Call Account (Businesses) helps you to keep your
savings separate from your transactional account.

The following functionality is available:

• Open a Savings Account / Business Call Account and link it to your Transactional Account
• Opt in to Bank your Change
• Maintain your Bank your Change Top-Up Amount

Important Information about Opening a Linked Savings Account / Linked Business Call Account

• This functionality is restricted to the Primary User (Profile Owner) and is

available to both Individual and Business clients.
• If you are a parent/guardian that has an FNB Youth Transaction Account
linked to your profile, you can open a Linked Savings Account and opt in for
Bank your Change on behalf of the respective minor.
• Only one Linked Savings Account / Linked Business Call Account may be
opened per qualifying transactional account.

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6.7.1.1 Apply for a linked Savings Account / Business Call Account and Bank
Your Change

Use this function to apply for a Savings Account / Business Call Account and link it to a transactional
account; you also have the option to add the feature to Bank your Change.

Linked Savings Account / Linked Business Call Account

A linked Savings Account / linked Business Call Account helps you to keep your savings separate from your
transactional account by automatically saving your 'left over' cents every time you swipe your Debit card.

The purchase amount is rounded-up to the nearest Rand, and the difference between the purchase amount
and rounded-up amount is then transferred to your linked Savings Account / Linked Business Call Account.

Bank your Change:

If you have a Savings Account / Business Call Account linked to your Transactional Account, you can also
opt in for Bank your Change which will enable you to specify a Top-Up Amount of between R2.00 and
R50.00, over and above the rounded-up amount, every time you swipe your card.

The specified Top-Up Amount will be debited to the respective Transactional Account and transferred to
your linked Savings Account / Business Call Account every time you swipe your card.

Important Information about Applying for a Linked Savings Account / Business Call Account

• This functionality is restricted to the Primary User (Profile Owner) and is

available to both Individual and Business clients.
• If you are a parent/guardian that has an FNB Youth Transaction Account
linked to your profile, you can open a linked Savings Account and opt in for
Bank your Change on behalf of the respective minor.
• Only one linked Savings Account / Business Call Account may be opened per
qualifying transactional account.
• The Savings Account will only be displayed on the My Accounts sub-tab when
a new Online Banking session is opened, i.e. log out and log back on.
Where a parent or guardian has applied for the Savings Account on behalf of
a minor, the Savings Account will only display the following day.

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Apply for a Linked Savings Account / Business Call Account and Bank Your Change

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective transactional account.
4. The Account Settings dashboard will be displayed.
5. Click on the Apply button for Savings Account / Business Call Account.
6. The Savings Account / Business Call Account capture page will be displayed.
7. If you would like to include the Bank your Change option on your Savings Account / Business Call
Account, click on Yes.
8. Select your Top-Up Amount from the drop-down menu; this is the amount that will be debited to the
respective Transactional Account, in addition to the rounding up of the cents, every time you swipe
your card.
9. Click in the check box to accept the Terms and Conditions.
10. Click on Continue.
11. A confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. Click on Confirm to proceed.
14. The results page will display the status of your request.
15. Click on Finish to complete the process.

6.7.6.2 Add or Maintain your Bank Your Change Top-Up Amount

Use this function to add or maintain your Bank your Change Top-Up Amount.

If you have a Savings Account / Business Call Account linked to your Transactional Account, you can also
opt in for Bank your Change which will enable you to specify a Top-Up Amount of between R2.00 and
R50.00, over and above the rounded-up amount, every time you swipe your card.

The specified Top-Up Amount will be debited to the respective Transactional Account and transferred to
your linked Savings Account / Business Call Account every time you swipe your card.

Add or Maintain your Bank your Change Top-Up Amount

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Savings Account / Business Call Account.
4. The Account Settings dashboard will be displayed.
5. In the Your Account section, click on the Manage button for Bank your Change.

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 6. The Bank your Change capture page will be displayed.
7. Select your Top-Up Amount from the drop-down menu; this is the amount that will be debited to the
respective linked Transactional Account, in addition to the rounding up of the cents, every time you
swipe your card.
8. Click on Update.
9. Before you can continue, you will be required to accept the Terms and Conditions.
10. Click on Submit.
11. The results page will display the status of your request.
12. Click on Finish to complete the process.

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6.7.3 Overdraft/Credit Facilty Maintenance

An Overdraft/Credit Facility provides you with a convenient means of short-term finance when you need it
and is available on qualifying Cheque/Fusion Accounts.

Use this function to manage your overdraft /Credit Facility requirements.

The following functionality is available:

Function Consumer Business
• Apply
o Apply for a new overdraft/Credit facility X -

• Increase
X -
o Apply to increase your existing overdraft/Credit
facility

• Decrease
o Decrease your existing overdraft/Credit facility in X X
real-time.

• Cancel
o Cancel your existing overdraft/Credit facility in real- X X
time.

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6.7.3.1 Apply for an Overdraft/Credit Facility

Use this function to apply for an overdraft facility on your qualifying Cheque/Fusion Account.

An Overdraft/Credit Facility provides you with a convenient means of short-term finance when you need it.

Important Information about Applying for an Overdraft /Credit Facility

• Your application is subject to the National Credit Act (NCA) scoring

process; this will ensure that you can pay back the amount that you borrow.
• If you have an existing Temporary Loan you cannot apply for an
Overdraft/Credit facility.

• You may be required to upload Proof of income (latest payslip or last

three month's bank statements) as part of the application process.

Apply for an Overdraft/Credit Facility

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Cheque/Fusion account.
4. The Account Settings dashboard will be displayed.
5. Click on the Overdraft/Credit Facility > Apply easy button.
6. Selecting this option will end your current banking session and redirect you to the Product Shop;
select No to cancel or Yes to continue.
7. Once you have completed the application click on the Return to Online Banking hyperlink on the
top right of the page to open a new Online Banking session.

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6.7.3.2 Increase Overdraft/Credit Facility

Use this function to apply for an increased limit on your existing Overdraft/Credit Facility.

Important Information about Applying for an Increased Overdraft/Credit Facility

• Your application is subject to the National Credit Act (NCA) scoring

process; this will ensure that you can pay back the amount that you borrow.

• You may be required to upload Proof of income (latest payslip or last

three month's bank statements) as part of the application process.

Apply to Increase an Overdraft/Credit Facility

1. Click on the My Bank Accounts and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Cheque/Fusion account.
4. The Account Settings dashboard will be displayed.
5. Click on the Overdraft/Credit Facility > Increase easy button.
6. Selecting this option will end your current banking session and redirect you to the Product Shop;
select No to cancel or Yes to continue.
7. Once you have completed the application click on the Return to Online Banking hyperlink on the
top right of the page to open a new Online Banking session.

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6.7.3.3 Decrease the Limit of an Existing Overdraft/Credit Facility

Use this function to decrease the limit on your existing overdraft/Credit facility in real-time.

Important Information about Decreasing an Overdraft/Credit Facility

• When the overdraft/Credit facility is reduced, this takes immediate effect.

• Your requested overdraft/credit limit cannot be less than your current debit
balance.
• Should you require an increase to your overdraft/credit facility in future,
please note that your re-application is subject to the National Credit Act
(NCA) scoring process and the limit you qualify for may differ to your
current limit.

Decrease an Overdraft/Credit Facility

1. Click on the My Bank Accounts and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Cheque/Fusion account.
4. The Account Settings dashboard will be displayed.
5. Click on the Overdraft/Credit Facility > Decrease easy button.
6. The Decrease Overdraft/Credit Facility capture page will be displayed.
7. Enter the New Overdraft/Credit Facility Limit.
8. Before you can continue you will be required to read and accept the Terms and Conditions.
9. Click on Update.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. Click Confirm to proceed.
13. The results page will display the status of your request.
14. Click on Finish to complete the process.

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6.7.3.4 Cancel Overdraft/Credit Facility

If your overdraft/Credit facility is currently not in use; i.e. a zero balance, and you no longer require the
facility, you can use this function to cancel it in real-time.

Important Information about Cancelling an Overdraft/Credit Facility

• An Overdraft/Credit Facility cannot be cancelled while it is still in use, i.e.

there is a Debit Balance on the respective account.
• Cancelling your overdraft/Credit limit will result in the immediate termination
of your overdraft/Credit facility.
• Should you require an overdraft/credit facility in the future, please note that
your re-application is subject to the National Credit Act (NCA) scoring
process and the limit you qualify for may differ to your current limit.

Cancel an Overdraft/Credit Facility

1. Click on the My Bank Accounts and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Cheque/Fusion account.
4. The Account Settings dashboard will be displayed.
5. Click on the Overdraft/Credit Facility > Cancel easy button.
6. The Cancel Overdraft/Credit Facility capture page will be displayed.
7. Before you can continue you will be required to read and accept the Terms and Conditions.
8. Click on Continue.
9. A confirmation page will be displayed.
10. Check that this information is correct and, if necessary, click on Cancel to terminate the request.
11. Click Confirm to proceed.
12. The results page will display the status of your request.
13. Click on Finish to complete the process.

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6.7.4 Notification Services

There are two types of Notification Services on Online Banking:

1. inContact
2. Electronic Services
• Balance Alert
• Limit Alert
• Scheduled Payment Alerts

More information and step by step guides for each of these Notification Services can be found in the chapter
about Online Banking Settings.

Important Information about Notification Services

• inContact and Electronic Services are account/product specific.

• Registration for inContact is free and there are no subscription fees.

• Electronic Services are subject to a monthly subscription fee per

account. See the pricing guide for more information.

6.7.4.1 inContact
inContact is an innovative messaging system that notifies you of activity on your accounts, helping you to
keep track of your financial transactions as they occur and identify unauthorised transactions immediately.

6.7.4.2 Balance Alert

The Balance Alert service will send an sms and/or email alert to you on a day and frequency specified by
you to notify you of the previous day's closing account balance/s.

6.7.4.3 Limit Alert

The Limit Alert service will send an sms and/or email alert to you when your account has reached a limit
specified by you.

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6.7.4.4 Scheduled Payment Alert
The Scheduled Payment Alert Service sends you an alert one business day prior to the processing date of
your Scheduled Payment/s.

When activating the Scheduled Payment Alert option on an account you can choose between two types of
alerts:

1. One Working Day Prior as a reminder

2. Inadequate funds in the respective account to fund an upcoming Scheduled Payment

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6.7.5 Bank Letters

Use this function to generate and email/download digitally stamped Bank Letters.

The letter will appear on the RMB website for validation/authentication for a period of 3 (three) months from
the date of issue, and can be validated multiple times during this period.

The following Bank Letters functionality is available:

• Generate an Account Confirmation Letter

• View Existing Account Confirmation Letter
• Generate a Visa Application Letter
• Verify Bank Letters

Important Information about Bank Letters

The Bank Letters functionality is available to all users with transactional

permissions on the respective account.
This functionality is available to both Consumer and Business Banking clients.
The Bank Letters functionality is restricted to Cheque Accounts.
For navigational assistance, please contact Digital Banking Support.
For queries regarding Bank Letters, please contact General Enquiries.

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6.7.5.1 Account Confirmation Letter

Use this function to generate and email/download an Account Confirmation Letter, or view an existing
Account Confirmation Letter for a Cheque Account at your convenience.

An Account Confirmation Letter is a Bank Stamped letter that can be presented to third-parties as proof of
your account details.

A step by step guide is included in the generated Account Confirmation Letter to assist third-parties to
validate the letter via the RMB website, if they wish to do so.

The following information is included in the Account Confirmation Letter:

• Account Type
• Account Number
• Branch Code
• Branch Name
• Swift Code
• Date Opened

Important Information about Account Confirmation Letters

10.

• The Bank Letters functionality is available to all users with transactional

permissions on the respective account.
• This functionality is available to both Consumer and Business Banking
clients.
• The Bank Letters functionality is restricted to Cheque Accounts.
• An Account Confirmation Letter is valid for 3 months from the date of
issue.
• The Account Confirmation Letter will only be stored on your profile for 2,5
months after date of issue.

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6.7.5.1.1 Generate an Account Confirmation Letter

Use this function to generate and email/download an Account Confirmation Letter for a Cheque Account.

Important Information about Account Confirmation Letters

• The Bank Letters functionality is available to all users with transactional

permissions on the respective account.
• This functionality is available to both Consumer and Business Banking
clients.
• The Bank Letters functionality is restricted to Cheque Accounts.
• An Account Confirmation Letter is valid for 3 months from the date of
issue.
• The Account Confirmation Letter will only be stored on your profile for 2,5
months after date of issue.

Generate an Account Confirmation Letter

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Cheque account.
4. The Account Settings dashboard will be displayed.
5. In the Bank Letters section, click on the Generate easy button for an Account Confirmation
Letter.
6. The Account Confirmation Letter capture page will be displayed.
7. Click on the respective easy button to select your preferred Delivery Method, Email or Download.
8. If you select Email you will be required to enter an Email Address.
9. Select the preferred Charge Account (the account that the fees will be debited to) from the drop-
down list.
10. Click on Continue.
11. A confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. Click on Confirm to proceed.
14. The results page will display the status of your request.
15. Click on Finish to complete the process.

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6.7.5.1.2 View an Existing Account Confirmation Letter

Use this function to view an existing Account Confirmation Letter for a Cheque Account which you have
generated via Online Banking in the last 2,5 months.

Important Information about Account Confirmation Letters

• The Bank Letters functionality is available to all users with transactional

permissions on the respective account.
• This functionality is available to both Consumer and Business Banking
clients.
• The Bank Letters functionality is restricted to Cheque Accounts.
• An Account Confirmation Letter is valid for 3 months from the date of
issue.
• The Account Confirmation Letter will only be stored on your profile for 2,5
months after date of issue.

View an Existing Account Confirmation Letter

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Cheque account.
4. The Account Settings dashboard will be displayed.
5. In the Bank Letters section, click on the Generate easy button for an Account Confirmation
Letter.
6. If you have previously generated a letter for this account and it is less than 2,5 months old, click on
the Use Existing icon to view the letter.
7. The Account Confirmation Letter capture page will be displayed.
8. Click on the respective easy button to select your preferred Delivery Method, Email or Download.
9. If you select Email you will be required to enter an Email Address.
10. Click on Continue.
11. A confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. Click on Confirm to proceed.
14. The results page will display the status of your request.
15. Click on Finish to complete the process.

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6.7.5.2 Visa Application Letter
Use this function to generate and email/download a Visa Application Letter.

If you are travelling to a foreign country and you need to apply for a Visa, or you are sponsoring a trip for
your family or employees etc. to a foreign country, you will be required to produce a Visa Application Letter
for each traveller to confirm the travel and sponsoring bank account details.

If you have multiple travelers that are travelling to the same destination with the same itinerary details, they
can be added as Additional Travelers and their Visa Application Letters can be generated simultaneously.
You can capture a maximum of 5 Additional Travelers per request.

A step by step guide is included in the generated Visa Application Letter to assist third-parties to validate the
letter via the RMB website.

The following information is included in each Visa Application Letter:

Sponsoring Bank Account Details
Traveller’s Details
Travel Details

Important Information about Visa Application Letters

• The Bank Letters functionality is available to all users with transactional

permissions on the respective account.
• This functionality is available to both Consumer and Business Banking
clients.
• The Bank Letters functionality is restricted to Cheque Accounts.
• You can capture a maximum of 5 Additional Travelers per request.

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6.7.5.2.1 Generate a Visa Application Letter

Use this function to generate and email/download Visa Application Letters for a Cheque Account.

Important Information about Generating Visa Application Letters

• The Bank Letters functionality is available to all users with transactional

permissions on the respective account.
• This functionality is available to both Consumer and Business Banking
clients.
• The Bank Letters functionality is restricted to Cheque Accounts.
• You can capture a maximum of 5 Additional Travelers per request.
• Visa Application Letters are not stored by the Bank and will need to be
regenerated at your own cost if the information therein is incorrect, or if
you misplace the document.

• Have the following information on hand before you start this request:

o Traveller’s Details:
▪ Name
▪ Passport Number & Country of Issue

o Travel Details:
▪ Type of Visa
▪ Country of Destination
▪ Departure and Return Dates

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Generate Visa Application Letters

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Cheque account.
4. The Account Settings dashboard will be displayed.
5. In the Bank Letters section, click on the Generate easy button for a Visa Application Letter.
6. The Visa Letter capture page will be displayed.
7. Complete the Traveller’s Details and the Travel Details in the fields provided.
8. Click on the respective easy button to select your preferred Delivery Method, Email or Download.
9. If you select Email you will be required to enter an Email Address.
10. Select the preferred Charge Account (the account that the fees will be debited to) from the drop-
down list.
11. Click on Continue.
12. You will be presented with the option to Add Additional Travelers. If you select Yes, an Additional
Traveler’s Details section will be displayed.
13. Click on the Add table action and then select Add Traveler.
14. The Add Traveler capture page will be displayed.
15. Complete the Traveler’s Details and then click on Add.
16. The Traveller’s Details will now display on the Add Travellers page. You can Maintain or Delete
these details.
17. Repeat this process for each additional traveller; a maximum of 5 additional travellers can be
added per request.
18. Click on Continue.
19. A confirmation page will be displayed.
20. Check that this information is correct and, if necessary, click on Edit to make amendments.
21. Click on Confirm to proceed.
22. The results page will display the status of your request.
23. Each traveller's Visa Letter is generated separately. If the letter is not generated successfully, the
status will reflect as Failed. Click on Retry to generate the respective letter/s again at no additional
charge.
24. Click on Finish to complete the process.

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6.7.5.3 Verify Bank Letters

Use this function to verify an Account Confirmation or Visa Application letter for an RMB client.

The letter will appear on the RMB website for validation/authentication for a period of 3 (three) months from
the date of issue, and can be validated multiple times during this period.

Important Information about Verifying Bank Letters

• The letter handed to the third-party must match the image of the letter
which displays on the RMB website exactly.
• Should there be any discrepancies, the letter should be deemed to be
fraudulent and cannot be relied upon by the third party.

Verify Bank Letters

1. Open the RMB website.

2. Click on the Contact Us + Tools tab.
3. Click on Verify Account Confirmation / Visa Application Letter in the Tools section.
4. Enter the requested information, including the unique number found on the electronic stamp, in the
fields provided.
5. Click on Verify.
6. The respective Bank Letter will be displayed.
7. The letter handed to the third-party must match the image of the letter which displays on the RMB
website exactly.
8. Should there be any discrepancies, the letter should be deemed to be fraudulent and cannot be
relied upon by the third party.

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6.7.6 Order Tablet / Smartphone

Use this function to order a Smartphone, Tablet or Laptop at discounted prices via RMB and pay for the
device over a 24-month period.

Important Information about Ordering Mobile Devices.

• A consultant will contact you within 2 business days.

• Should you need to follow up on this request, please call 087 575 9411
with your Reference Number.

Order a Smartphone, Tablet or Laptop

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Menu and select the Tablet / Smartphone Order option.
4. Click on Yes to end your Online Banking session and be redirected to the RMB Sales Website.
5. Complete the required information in the fields provided.
6. Enter the Captcha Verification Code.
7. Click on Submit.
8. You will receive a Reference Number.
9. Your message will be submitted to the fulfilment centre and a consultant will contact you within 2
business days.
10. Click on Finish to complete the process.

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6.8 Account Settings: Easy Accounts

The following Account Settings functionality is available for Easy Accounts:

• Change Pricing Option

6.6.1 Change Pricing Option

Use this function to change the Pricing Option on your Easy Account.

There are two pricing options available:

• Pay-As-You-Use (PAYU)
• Easy Bundle

Important Information about Changing your Pricing Option

• Before you select a new pricing option make sure you are aware of the
latest pricing details by downloading the pricing guide.
• If your request is successful, the New Pricing Option will be effective
immediately.

Change Pricing Option

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Easy account.
4. The Account Settings dashboard will be displayed.
5. In the Your Account section, click on the Change easy button for Pricing Option.
6. The Pricing Option capture page will be displayed together with your Current Pricing Option.
7. Select the New Pricing Option from the drop-down list.
8. Click on Continue.
9. A confirmation page will be displayed.

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 10. Before you can continue you will be required to read and accept the Declaration.
11. Check that this information is correct and, if necessary, click on Cancel to terminate the request.
12. Click Confirm to proceed.
13. The results page will display the status of your request.
14. Click on Finish to complete the process.

6.9 Account Settings: Credit Card Accounts

The following Account Settings functionality is available for Credit Card Accounts:

• Auto Payments
• Balance Transfers
• Credit Limit Shifts
• Order Additional Cards
• Join eBucks
• Subscribe to Value Added Services

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Add and Maintain Credit Card Auto Payments

Use this functionality to create and manage automatic monthly payments to your credit card account.

Payments can be made from a banking account held at any registered financial institution, provided that you
are the owner of that account.

Payment of your monthly premium will be via a direct debit from the respective account according to the
date and Authorisation Type specified by you.

The following functionality is available:

• Add an Auto Payment

• View an Auto Payment
• Maintain an Auto Payment

Business Rules

• It is mandatory for all new credit card applicants to utilise the Auto Payment Facility; at the time of
application you will be required to select a preferred Debit Order Date, Authorisation Type and
provide the details of the bank account to be debited.
• An Auto Payment can be edited at any time, but the changes will only be effective from the next
payment cycle date.
• Changing your payment date will affect your billing cycle.
• Please contact the number at the back of your card for any queries.

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Add an Auto Payment

Use this function to create an Auto Payment to your Credit Card; this option will only be available online for
older Credit Card accounts that were opened prior to Auto Payments becoming a mandatory step in the
application process.

There are three Auto Payment Authorisation options:

1. Fixed Amount
• Pay a fixed amount of your choice; the specified amount cannot be less than the minimum
monthly payment due on your account.
2. Full Amount
• Settle your full statement balance. Any payments processed during the billing period will be
deducted and you will only pay the outstanding balance.
3. Minimum Amount Due
• Pay the minimum monthly payment amount due on your account (as indicated on your
statement); this amount is calculated at 5% of your total outstanding balance.

Add an Auto Payment

1. Click on the My Bank Accounts and, if it isn't already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Credit Card account.
4. The Account Settings dashboard will be displayed.
5. Click on the Auto Payment easy button.
6. The Auto Payment Authorisation capture page will be displayed.
7. Select the preferred Auto Payment Authorisation from the drop-down menu.
8. Enter the Account Number and Bank or Branch Code of the account that you would like to use to
make the Auto Payment.
9. Select the Account Type from the drop-down menu.
10. Select the preferred Payment Day from the drop-down menu.
11. Click on Add.
12. A confirmation page will be displayed.
13. Before you can continue you will be required to read and accept the Declaration.
14. Check that this information is correct and, if necessary, click on Edit to make amendments.
15. Click on Confirm to proceed.
16. The results page will display the status of your request.
17. Click on Finish to complete the process.

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View an Existing Auto Payment

Use this function to view your existing Auto Payment settings.

The following information is displayed:

• Account Name
• Auto Payment Authorisation
• Payment Da

View an Existing Auto Payment

1. Click on the My Bank Accounts and, if it isn't already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Credit Card account.
4. The Account Settings dashboard will be displayed.
5. Click on the Auto Payment easy button.
6. Your existing Auto Payment instruction/s will be displayed.
7. Click on Back to return to the Account settings dashboard.

Maintain an Auto Payment

Use this function to maintain an existing Auto Payment instruction.

The following information can be maintained:

• Auto Payment Authorisation

• Payment Banking Details
• Payment Day

Business Rules

• Important Information about Maintaining Auto Payments

• An Auto Payment can be edited at any time, but the changes will only be effective from the next
payment cycle date.

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How to Maintain an Auto Payment

1. Click on the My Bank Accounts and, if it isn't already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Credit Card account.
4. The Account Settings dashboard will be displayed.
5. Click on the Auto Payment easy button.
6. Your existing Auto Payment instruction/s will be displayed.
7. Click on the Maintain easy button for the respective instruction.
8. The Auto Payment capture page will be displayed.
9. Make the required changes.
10. Click on Update.
11. A confirmation page will be displayed.
12. Before you can continue you will be required to read and accept the Declaration.
13. Check that this information is correct and, if necessary, click on Edit to make amendments.
14. Click on Confirm to proceed.
15. The results page will display the status of your request.
16. Click on Finish to complete the process.

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Balance Transfer

Use this function to create a new budget transaction with a special repayment plan by transferring a portion
of your Straight Balance to a Budget transaction.

Once the Balance Transfer transaction has been approved, the Balance Transfer amount will be transferred
to your straight facility, enabling you to then use these funds to settle any balance owing on other debts.

Important Information about Balance Transfers

• This functionality is restricted to Consumer clients.

• The minimum Balance Transfer Amount is R2,000.00.
• The shortest Repayment Period you can select is 18 months; the longest
Repayment Period is 60 months.
• A reduced interest rate will apply to the Balance Transfer amount for a
limited period, thereafter the interest rate will revert to your current rate.

Transfer Straight Balance to Budget

1. Click on the My Bank Accounts and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Credit Card account.
4. The Account Settings dashboard will be displayed.
5. Click on the Balance Transfer easy button.
6. The Balance Transfer Offer for the selected Credit Card will be displayed.
7. To accept the offer, click on Continue, alternatively click on the Customise This Offer hyperlink if
you would like to customise the Amount and the repayment terms.
8. Enter the Preferred Amount and Repayment Terms in the fields provided.
9. Click on Calculate to update the offer information.
10. To return to the original offer click on Reset, alternatively, click on Accept Offer to proceed with the
revised offer.
11. A confirmation page will be displayed.
12. Before you can continue you will be required to read and accept the Terms and Conditions.
13. Check that this information is correct and, if necessary, click on Edit to make amendments.
14. The results of your request will be displayed.
15. Click on Finish to complete the process or click on Make a Payment to make a payment from your
revised Straight Balance.

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Credit Limit Shifts

This functionality enables you to shift the credit limit on your Credit or Petro Card between your straight and
budget facilities to suit your personal requirements.

You can allocate a portion of the available balance on your straight facility to your budget facility, thereby
increasing the available limit on your budget facility, and vice versa.

Important Information about Credit Limit Shifts

• This functionality is restricted to Consumer clients.

• The 20:80 rule applies; i.e. the straight limit may not be less than 20%
and the budget limit may not exceed 80% of your total credit limit.

Shift Credit Limits

1. Click on the My Bank Accounts and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Credit or Petro Card account.
4. The Account Settings dashboard will be displayed.
5. Click on the Credit Limit Shift easy button.
6. The Credit Limit Shift capture page will be displayed.
7. Amend the Straight or Budget Limits per your requirements; the opposite Limit will adjust
automatically when you make changes.
8. Click on Submit.
9. A confirmation page will be displayed.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. Click on Continue to proceed.
12. The results page will display the status of your request.
13. Click on Finish to complete the process.

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6.10 Account Settings: Investment Accounts

Use this function to manage the various options available on your Investment Accounts.

The following functionality is available:

• Withdraw
• Close Account
• Manage Interest
• Reinvest
• View Pending Actions
• Maintain or Delete Pending Actions

Important Information about Managing your Investment Accounts

• This functionality is available to both Consumer and Business Banking

clients.
• All Investment functionality is product specific.

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6.10.1 Withdraw

Use this function to create a Withdraw action on an Investment account.

There are two withdrawal options:

1. Withdraw funds into a Linked Account

2. Withdraw Funds into an Other Bank Account

Important Information about Withdraw Actions

• This functionality is available to both Consumer and Business Banking

clients.
• All Investment functionality is product specific, i.e. the withdrawal
options, dates and amounts are determined by the respective product.
• The Withdrawal Date is the date that you would like the money to be paid
to you.
• Funds paid into an FNB/RMB account will reflect on the specified
withdrawal date; funds paid to a non-FNB/RMB account will reflect 3
working days after the specified closure date.
o

Online Banking User Guide RMB Private Bank 173

Add a Withdraw Action

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Manage easy button of the respective Investment account.
4. The Manage Account overlay will be displayed.
5. Click on the Withdraw icon.
6. The Withdraw capture page will be displayed.
7. Depending on the Investment Product, you will either be required to select the Withdrawal Date
from a pre-defined drop-down list, or you will have the option to capture a specific date.
8. Click on Continue.
9. Enter the Withdrawal Amount.
10. Depending on the Investment Product, you may either have the proceeds paid into an account
linked to your profile, or to an Other (third-party) account.
11. Select the respective Linked Account from the drop-down list, alternatively, click on Other
Account and then enter the bank details of the third-party account.
12. Click on Continue.
13. A confirmation page will be displayed.
14. Check that this information is correct and, if necessary, click on Edit to make amendments.
15. Click on Confirm to proceed.
16. The results page will display the status of your request.
17. Click on Finish to complete the process.
18. The Withdraw action will now display on the View Pending page for this Investment account.

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6.10.2 Close Account

Use this function to create a Close account action on an Investment account.

There are two payout options:

1. Payout funds into a Linked Account

2. Payout Funds into an Other Bank Account

Important Information about Close Account Actions

• This functionality is available to both Consumer and Business Banking

clients.
• Funds paid into an FNB/RMB account will reflect on the specified
withdrawal date; funds paid to a non-FNB/RMB account will reflect 3
working days after the specified closure date.
• The final payout amount will only be finalised on the actual payout date
due to factors that might influence the total amount, such as penalties or
withdrawals.
o

Online Banking User Guide RMB Private Bank 175

Add a Close Account Action

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Manage easy button of the respective Investment account.
4. The Manage Account overlay will be displayed.
5. Click on the Close Account icon.
6. The Close Account capture page will be displayed.
7. Select the Closure Date from a pre-defined drop-down list.
8. Click on Continue.
9. Depending on the Investment Product, you may either have the funds paid into an account linked to
your profile, or to an Other (third-party) account.
10. Select the respective Linked Account from the drop-down list, alternatively, click on Other
Account and then enter the bank details of the third-party account.
11. Click on Continue.
12. A confirmation page will be displayed.
13. Check that this information is correct and, if necessary, click on Edit to make amendments.
14. Click on Confirm to proceed.
15. The results page will display the status of your request.
16. Click on Finish to complete the process.
17. The Close Account action will now display on the View Pending page for this Investment account.

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6.10.3 Manage Interest

Use this function to Manage the Interest action on an Investment account; i.e. how the interest earned on a
selected investment account should be distributed.

There are three types of Interest Instructions; these are product specific:

• Reinvest (Capitalise) Interest

• Redirect Interest
o Into a Linked Account
o Into an Other Bank Account
• Withdraw Interest

Important Information about Managing Interest Instructions

• This functionality is available to both Consumer and Business Banking

clients.
• The interest earned on a Tax-Free Cash Deposit account cannot be
redirected as the interest is capitalised into your Tax-Free Cash Deposit
account by default.

Reinvest (Capitalise) Interest

• Capitalised Interest will be reinvested in the respective investment account
on the interest payment date as specified to the Bank when opening or
amending the account.

Redirect Interest to a Linked Account

• Redirecting Interest to your own account or other FNB/RMB Accounts will
reflect on the Interest Payment date as specified to the Bank when
opening or amending the account.

Redirect Interest to a Third-Party Account

• Redirecting Interest to a Non FNB/RMB Account will reflect 3 working
days after the Interest Payment date as specified to the Bank when
opening or amending the account.
o
Withdraw Interest to a Linked Account

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 • Withdrawing Interest to your own account or other FNB/RMB Accounts will
reflect on the Interest Payment date as specified to the Bank when
opening or amending the account.

Manage Interest

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Manage easy button of the respective Investment account.
4. The Manage Account overlay will be displayed.
5. Click on the Manage Interest icon.
6. The existing Manage Interest details will be displayed.
7. Click on Maintain.
8. The Maintain Interest capture page will be displayed.
9. Select the Interest Type (Redirect / Re-invest / Withdraw) from the drop-down list.
10. Select the Interest Cycle from the drop-down list.
11. If you selected the Redirect option as the Interest Type, you may either have the proceeds paid
into an account linked to your profile, or to an Other (third-party) account.
12. Select the respective Linked Account from the drop-down list, alternatively, click on Other
Account and then enter the bank details of the third-party account.
13. Click on Continue.
14. A confirmation page will be displayed.
15. Check that this information is correct and, if necessary, click on Edit to make amendments.
16. Click on Confirm to proceed.
17. The results page will display the status of your request.
18. Click on Finish to complete the process.

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6.10.4 Reinvest at Maturity

Use this function to create a Reinvestment action on an Investment account.

The Maturity proceeds can be transferred to a Linked account or to an Other (Third Party) account.

Important Information about Reinvest at Maturity Actions

• This functionality is available to both Consumer and Business Banking

clients.
o

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Add a Reinvestment at Maturity Action

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Manage easy button of the respective Investment account.
4. The Manage Account overlay will be displayed.
5. Click on the Reinvest icon.
6. The existing Reinvest action will be displayed.
7. Click on Maintain.
8. The Reinvest capture page will be displayed.
9. Select the Reinvestment Term from the displayed options.
10. Click on Continue.
11. A confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. Click on Confirm to proceed.
14. The results page will display the status of your request.
15. Click on Finish to complete the process.
16. The Reinvest at Maturity action will now display on the View Pending page for this Investment
account.

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6.10.5 Pending Actions

Use this function to manage the Pending Actions that you have set for your Investment Account/s.

The following functionality is available:

• View Pending Actions

• Maintain Pending Action
• Delete Pending Action

6.10.5.1 View Pending Actions

Use this function to View the Pending Actions that you have set for an Investment Account.

The following information is displayed (if applicable):

• Action Date
• Beneficiary Account
• Type
• Amount

Important Information about Viewing Pending Actions for your Investment Accounts

• The information displayed is product specific.

View Pending Actions

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Manage easy button of the respective Investment account.
4. The Manage Account overlay will be displayed.
5. Click on the View Pending icon.
6. The View Pending Actions page will be displayed.
7. A list of Pending Actions that you have set for the respective account will be displayed.

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 8. Click on Back to return to the Manage overlay.

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6.10.5.2 Maintain Pending Actions

Use this function to Maintain the Pending Actions that you have set for an Investment account.

The following types of actions can be maintained via Pending Actions:

• Withdraw
• Close Account
• Reinvest at Maturity

Important Information about Maintaining Pending Actions for your Investment Accounts

• The information that can be maintained is determined by the product

rules of the selected investment account as well as the type of action.

Maintain Pending Actions

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Manage easy button of the respective Investment account.
4. The Manage Account overlay will be displayed.
5. Click on the View Pending icon.
6. The View Pending Actions page will be displayed.
7. A list of Pending Actions that you have set for the respective account will be displayed.
8. Click on the Maintain easy button of the respective pending action.
9. The details of the respective action will be displayed.
10. Click on Maintain.
11. The Maintain capture page will be displayed.
12. Amend the action details as required.
13. Click on Continue.
14. A confirmation page will be displayed.
15. Check that this information is correct and, if necessary, click on Edit to make amendments.
16. Click on Confirm to proceed.
17. The results page will display the status of your request.
18. Click on Finish to complete the process.

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6.10.5.3 Delete Pending Actions

Use this function to Delete the Pending Actions that you have set for an Investment account.

The following types of actions can be maintained via Pending Actions:

• Withdraw
• Close Account
• Reinvest at Maturity

Important Information about Deleting Pending Actions for your Investment Accounts

• The Delete option is product specific. Depending on the Investment

product and action type, you may not be able to delete an action, you will
only be able to Maintain it.

Delete Pending Actions

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Manage easy button of the respective Investment account.
4. The Manage Account overlay will be displayed.
5. Click on the View Pending icon.
6. The View Pending Actions page will be displayed.
7. A list of Pending Actions that you have set for the respective account will be displayed.
8. Click on the Delete easy button of the respective pending action.
9. A confirmation overlay will be displayed.
10. Click on Yes to proceed.
11. The respective action will no longer display under the View Pending page.

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6.11 Account Settings: Revolving Loan Facilities

The following Account Settings functionality is available for Revolving Loan Accounts:

• View Revolving Loan Facility Details

• Manage Revolving Loan Facility
• Decrease Revolving Loan Facility
• Settle and Close Revolving Loan Facility

Important Information about Revolving Loan Accounts

• This function is restricted to the Primary User (Profile Owner) of a

Consumer profile.
o

6.11.1 View Revolving Loan Facility Details

Use this function to view the details of your current Revolving Loan Facility.

The following information is available:

• Revolving Facility Limit
• Available Balance
• Outstanding Balance
• Detailed Balance
• Transaction History
• Statement History

View Revolving Loan Facility Details

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Revolving Loan account.
4. The Account Settings dashboard for the respective account will be displayed.
5. Click on the respective sub-tab to view the information that you require.

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6.11.2 Manage Revolving Loan Facility

Use this function to manage your existing Revolving Loan Facility.

The following functionality is available:

• Select preferred Payment Day
• Take out Shortfall Protection

Important Information about Decreasing a Revolving Loan Facility

• If you change your Payment Day, the change will only take effect from the
following month.

Manage Revolving Loan Facility

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Revolving Loan account.
4. The Account Settings dashboard for the respective account will be displayed.
5. Click on the Set Up / Maintain easy button.
6. The Manage Revolving Facility capture page will be displayed.
7. Make the changes that you require.
8. Click on Confirm.
9. A confirmation page will be display the New Revolving Facility Limit.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. Click on Confirm to proceed.
12. The results page will display the status of your request
13. Click on Finish to complete the process.

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6.11.3 Decrease Revolving Loan Facility

Use this function to decrease the current Revolving Loan Facility; i.e. the max loan amount available to you.

Important Information about Decreasing a Revolving Loan Facility

• If you decrease your Revolving Loan Facility and require the facility again
at a later stage, you will be required to apply for an increase which is
subject to credit approval.

Decrease Revolving Loan Facility

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Revolving Loan account.
4. The Account Settings dashboard for the respective account will be displayed.
5. Click on the Decrease easy button.
6. The Revolving Facility Details Page will display the Facility Amount, Available Balance and the
Outstanding Balance.
7. Enter the amount that you would like to decrease the Revolving Facility by.
8. Click on Confirm.
9. A confirmation page will be display the New Revolving Facility Limit.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. Click on Confirm to proceed.
12. The results page will display the status of your request
13. Click on Finish to complete the process.

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6.11.4 Settle and Close Revolving Loan Facility

Use this function to settle the outstanding balance on your Revolving Loan Account and close the Loan
Facility.

Important Information about Settling and Closing Revolving Loan Facilities

• If you Settle and Close your Revolving Loan Account Facility, the loan
facility will no longer be available for future transactions; i.e. if you wish
to utilise this facility again, you will be required to re-apply for a new
Revolving Account which is subject to credit approval.
• The funds required to settle the outstanding amount will be debited to the
same account that your monthly instalments are debited from.
• The Settlement Amount is valid for 1 day.
o

Settle and Close Revolving Loan Facility

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Revolving Loan account.
4. The Account Settings dashboard for the respective account will be displayed.
5. Click on the Settle and Close easy button.
6. The Settle and Close Details Page will display the current Loan Facility Amount as well as the
account that your repayments are being debited from.
7. Click on Continue to proceed.
8. A confirmation page will be display the account details to be debited as well as the Settlement
Amount.
9. Check that this information is correct and, if necessary, click on Edit to make amendments.
10. Click on Confirm to proceed.
11. The results page will display the status of your request
12. Click on Finish to complete the process.

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6.12 Account Settings: Personal Loans

The following Account Settings functionality is available for Personal Loan Accounts:

• View Personal Loan Details

• Set Up and View Payment Arrangements (Arrears)
• Request and Download a Settlement Quote
• Settle and Close Revolving Loan Facility

Important Information about Personal Loan Accounts

• This function is restricted to the Primary User (Profile Owner) of a

Consumer profile.

6.12.1 View Personal Loan Details

Use this function to view the details of your current Revolving Loan Facility.

The following information is available:

• Outstanding Balance
• Detailed Balance
• Transaction History
• Statement History

View Personal Loan Details

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Personal Loan account.
4. The Account Settings dashboard for the respective account will be displayed.
5. Click on the respective sub-tab to view the information that you require.

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6.12.2 Manage Payment Arrangement (Arrears)

If your repayments on your Personal Loan are currently in arrears, you can use this function to Set Up a
Payment Arrangement to repay the arrears.

A Payment arrangement enables you to pay an amount to the loan account in a series of payments as per
the selected terms.

The following functionality is available:

• Set Up Payment Arrangement
• View Payment Arrangement

Important Information about Payment Arrangements

• A Payment Arrangement can not be cancelled or amended online;

should you wish to cancel or amend this payment arrangement, please
call 087 575 0091.

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6.12.2.2 Set Up a Payment Arrangement

If your repayments on your Personal Loan are currently in arrears, you can use this function to Set Up a
Payment Arrangement to repay the arrears.

A Payment arrangement enables you to pay an amount to the loan account in a series of payments as per
the selected terms.

Important Information about Setting Up a Payment Arrangement

• A Payment Arrangement must be set up before 18h00, at least two

business days prior to the repayment due date.

Set Up a Payment Arrangement

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Personal Loan account.
4. The Account Settings dashboard for the respective account will be displayed.
5. Click on the Detailed Balance view.
6. The Detailed Balance, including the Arrears Amount, will be displayed.
7. Click on the Set Up Payment Arrangement icon.
8. The Payment Arrangement capture page will be displayed.
9. Enter a Payment Name.
10. Select the Payment Term from the predefined drop-down menu.
11. Select the From Account that you would like the payments to be debited from.
12. Enter the Payment Date.
13. Click on Continue.
14. A confirmation page will display the Payment Arrangement Details.
15. Check that this information is correct and, if necessary, click on Edit to make amendments.
16. Click on Confirm to proceed.
17. The results page will display the status of your request
18. Click on Finish to complete the process.

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6.12.2.3 View an Existing Payment Arrangement

If you have Set Up a Payment Arrangement for your Personal Loan, you can use this function to view the
details of the Payment Arrangement.

The following information is available:

• Payment Amount
• Start Date
• Number of Payments
• Total Arrangement Amount

Important Information about Payment Arrangements

• A Payment Arrangement can not be cancelled or amended online;

should you wish to cancel or amend this payment arrangement, please
call 087 575 0091.

View Existing Payment Arrangement

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Personal Loan account.
4. The Account Settings dashboard for the respective account will be displayed.
5. Click on the Detailed Balance view.
6. The Detailed Balance, including the Arrears Amount, will be displayed.
7. Click on the View Payment Arrangement icon.
8. The details of the Payment Arrangement will be displayed.
9. Click on Back to return to the Account Settings dashboard.

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6.12.3 Download Settlement Quote

Use this function to Download a Settlement Quote for a Personal Loan.

Download a Settlement Quote

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Personal Loan account.
4. The Account Settings dashboard for the respective account will be displayed.
5. Click on the Download easy button next to Settlement Quote.
6. A PDF document will be generated; you can select to Open or Save this document.

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6.11 Account Settings: Home Loan Accounts

The following Account Settings functionality is available for Home Loan Accounts:

• Third Party Payments

o Make a Third-Party Payment
o View Third Party Payments

Important Information about Home Loan Accounts

• Please note that financial transactions on a Home Loan account are

processed in the evening and will only reflect the following business day.
o

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6.11.1 Third Party Payments

Users that do not have an FNB/RMB transactional account linked to their Online Banking profile can use this
function to request withdrawals from their Home Loan Flexi Facility into their nominated account at other
financial institutions.

Important Information about Third Party Payments

• This function is restricted to the Primary User of a Consumer profile.

• The minimum withdrawal amount is R1,000.00.
• The withdrawal amount cannot exceed the available balance.
• The third party nominated account details can only be maintained by the
Home Loans Call Centre.
o

6.11.1.1 Make a Third-Party Payment

Make a Third-Party Payment

1. Click on the My Bank Accounts and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Pay easy button for the respective Home Loan account.
4. The Payment capture page will be displayed and will be pre-populated with your nominated account
details.
5. Enter the required Amount and complete the To and From Reference fields.
6. Click on Pay.
7. A confirmation page will be displayed.
8. Check that this information is correct and, if necessary, click on Edit to make amendments.
9. Click on Confirm to proceed.
10. The results page will display the status of your request
11. Click on Finish to complete the process.

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6.11.1.2 View Third Party Payment History

Use this function to view a list of the online Third Party Payments made from your Home Loan in the last 18
months.

View Third Party Payment History

1. Click on the My Bank Accounts and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Home Loan account.
4. The Account Settings dashboard for the respective account will be displayed.
5. Click on Payment History.
6. The Payments History will display a list of all online payments made from the account in the last 18
months.
7. Click on the Name hyperlink of a transaction to view the details of that payment.
8. Click on Back to return to the Payment History page.

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6.11 Account Settings: Wesbank Vehicle Finance Accounts

The following Account Settings functionality is available for Wesbank Vehicle Finance Accounts:

• Settlement Quote

6.11.1 Settlement Quote

Use this function to obtain a Settlement Quote for your existing Wesbank Vehicle Finance Account.

Important Information about Settlement Quotes

• A Settlement Quote can only be quoted for a maximum of 3 months from

the date of your request.

Obtain a Settlement Quote

1. Click on the My Bank Accounts and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name hyperlink of the respective Wesbank Vehicle Finance account.
4. The Account Settings dashboard for the respective account will be displayed.
5. Click on the Settlement Quote easy button.
6. The Settlement Quotation capture page will be displayed.
7. Select the required Settlement Date from the drop-down menu.
8. Enter the Email Address to which the quote must be sent.
9. Click on Submit.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. Click on Confirm to proceed.
13. The results page will display the status of your request
14. Click on Finish to complete the process.

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6.12 Transaction History

Use this function to view a summary of the transactions on an account together with the resultant account
balance, as the transaction is processed.

Transaction History functionality:

• View Transaction History

• Search Transaction History
• View Detailed Information for a Specific Transaction

Important Information about Transaction History

• Transaction History can be viewed by both the Primary and Secondary

User, if the Primary User (Profile Owner) has allocated View Permissions to
the Secondary User.
• You can view up to 60 days of transaction history; this is account/product
specific and is also dependant on the number of transactions flowing
through the respective account.
• To view transactions older than this please utilise the Statement History
option.
• The transactions displayed in your Transaction History are not final and
should not be used for reconciliation purposes; please utilise the various
Statement options available online to obtain your final statement data for a
defined period.

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6.12.1 View Transaction History
Use this function to view a summary of the transactions on an account together with the resultant account
balance, as the transaction is processed.

You can view both Successful (posted) and Pending Point of Sale (Debit Card Swipes) transactions for a
Cheque account.

View Transaction History

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Available Balance hyperlink for the respective account.
4. The Transaction History for the selected account will be displayed.
5. By default, the Successful transactions will be displayed; click on the Pending view option to see
all pending Point of Sale transactions.
6. Click on Close to return to Transaction History page.

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6.12.2 Search Transaction History
Use this function to search your Transaction History for a specific transaction.

The maximum search period is 60 days.

When searching for a transaction, you can search across the following fields:

• Description
• Reference
• Service Fee
• Amount
• Balance

There are four Search Options:

1. Search

o Enter a minimum of two alphanumeric characters in the Search field to search across
multiple pages of Transfer History.
o The Search table action does not search the Date column; if you would like to search for a
transaction by date, please use the Advanced Search option under the Search History
function.

2. Quick Search

o The Quick Search function enables you to search your Transaction History by predefined
date periods.
o Today
o From Yesterday
o Last 7, 15, 30 or 60 Days

3. Custom Search

o The Custom Search function enables you to search your Transaction History by:
o Ledger Type (Debit or Credit)
o Date Range - up to 180 days
o Amount Range
o Transaction Reference

Online Banking User Guide RMB Private Bank 200

 o Cheque Number or Range of Cheque Numbers

4. Advanced Search

o The Advanced Search function enables you to search your Transaction History by:
o Multiple Account Numbers
o Ledger Type (Debit or Credit)
o Date Range - up to 180 days
o Amount Range
o Transaction Reference
o Cheque Number or Range of Cheque Numbers
o Transaction Type (Debit Orders, Cheques, Fees, Unpaid, Electronic Debits, and Electronic
Credits

The steps for each of the four search options are detailed below.

Search Transaction History

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the menu and select the Accounts > Transaction History option.
4. A list of your applicable accounts will be displayed.
5. Click on the Account Name to select the respective account.
6. The Transaction History for the selected account will be displayed.
7. Click on the Search button in your table actions.
8. Enter a minimum of two alphanumeric characters in the Search field.
9. The results of your search will be displayed.
10. Click on the Close button in your table actions to return to the full Transaction History.

Perform a Quick Search of your Transaction History

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the menu and select the Accounts > Transaction History option.
4. A list of your applicable accounts will be displayed.
5. Click on the Account Name to select the respective account.
6. The Transaction History for the selected account will be displayed.
7. Click on the menu and select the Search option.
8. The Transaction History Search capture page will be displayed.

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 9. Click on the Quick easy button.
10. Select the required Date Range from the drop-down menu.
11. Click on Search.
12. The results of your search will be displayed.
13. Click on Close to return to the My Accounts page.

Perform a Custom Search of your Transaction History

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the menu and select the Accounts > Transaction History option.
4. A list of your applicable accounts will be displayed.
5. Click on the Account Name to select the respective account.
6. The Transaction History for the selected account will be displayed.
7. Click on the menu and select the Search option.
8. The Transaction History Search capture page will be displayed.
9. Click on the Custom easy button.
10. To refine your search, complete as many of the search fields as possible.
11. Click on Search.
12. The results of your search will be displayed.
13. Click on Close to return to the My Accounts page.

Perform an Advanced Search of your Transaction History

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the menu and select the Accounts > Transaction History option.
4. A list of your applicable accounts will be displayed.
5. Click on the Account Name to select the respective account.
6. The Transaction History for the selected account will be displayed.
7. Click on the menu and select the Search option.
8. The Transaction History Search capture page will be displayed.
9. Click on the Advanced easy button.
10. Select the accounts that you would like to search from the drop-down menus.
11. To refine your search, complete as many of the search fields as possible.
12. Click on Search.
13. The results of your search will be displayed.
14. Click on Close to return to the My Accounts page.

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 6.20.3 View Cheque Image

Use this function to view and/or download an image of the cheques that you have issued from your cheque
account, once the cheque has been processed against your account.

Important Information about Cheque Images

• Cheque Images can be viewed by both the Primary and Secondary User, if
the Primary User (Profile Owner) has allocated View Permissions to the
Secondary User.

View Cheque Images

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Available Balance hyperlink for the respective account.
4. The Transaction History for the selected account will be displayed.
5. Click on the Description hyperlink for the respective cheque.
6. An image of both the front and the back of the respective cheque will be displayed.
7. Click on Back to return to the Transaction History page.

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6.12.4 Detailed Transaction Information

Use this function to view the Detailed Transaction Information for a specific transaction.

Please see the table below the step by step instructions for a breakdown of the type of information which is
available.

Important Information about Detailed Transaction Information

• Detailed Transaction Information is not available for transactions that are in a

pending status.

View Detailed Transaction History

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Available Balance hyperlink for the respective account.
4. The Transaction History for the selected account will be displayed.
5. By default, the Successful transactions will be displayed.
6. Click on the Amount hyperlink of the respective transaction that you would like to view.
7. The View Transaction Detail page will be displayed.
8. Click on Back to return to the Successful Transaction History.
9. Click on Close to return to the My Bank Accounts page.

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The following information is displayed for every transaction:

• Transaction Details
• Transaction Description
• Customer Service Information

Transaction Details

Field Name Description

The reference from the account that the transaction originated from. If
Description One this is a transaction that you initiated, this field will be the recipient
reference.

The second reference is the selected account. If this is a transaction

Description Two:
that was initiated by you then this field will be own reference.

Transaction Amount: The full transaction amount.

Service Fee: The service fee paid on the selected transaction

The date that the transaction was initiated.

Authorisation Date:
E.g. The actual day that the card was used to make a purchase.

Effective Date: The date that the transaction was processed against the account.

This date should be the same as the above unless the transaction was
Post Date:
future dated or delayed due to system maintenance.

Current Balance: The current balance in the selected account.

The cash amount of the transaction. (Physical cash - no cheques or

Cash Amount:
internet transfers).

Original Currency Amount: The original amount including transfers and cheques.

ENC Amount: If any cheques were deposited, this is the amount not cleared on
(Effects not Cleared) those cheques.

ENC Days:
This is the number of days it will take for the above cheques to clear.
(Effects not Cleared)

If some of the deposited cheques were cleared, this is the amount that
Cleared:
was cleared.

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 Transaction Description

Field Name Description

Code: The code used by FNB/RMB to identify transaction types.

Description: The description of what the transaction was.

Category: The transaction category e.g. a debit or a credit.

This further explains the transaction category e.g. a payment or an

Sub – Category:
internet transfer.

Customer Service Information

Field Name Description

This is applicable to FNB/RMB indicating where the transaction

User Code:
originated from.

This is usually the company name from where the debit or credit came
User Name:
from.

This will be the contact number from where the selected transaction
Contact Number:
originated.

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6.13 Detailed Balance

Use this function to view and search Detailed Balance Information for an account.

Important Information about Detailed Balance Information

• The Detailed Balance can be viewed by both the Primary and Secondary
User, if the Primary User has allocated View Permissions to the Secondary
User.
• Detailed Balance Information is account/product specific.

View Detailed Balance Information

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the menu and select the Accounts > Detailed Balance option.
4. A list of your applicable accounts will be displayed.
5. Click on the Account Name to select the respective account.
6. The Detailed Balance Information for the selected account will be displayed.
7. To view the Detailed Balance of another account, select the respective account from the account
switcher drop-down menu.
8. Click on Close to return to the My Accounts page.

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6.7.3 My Debit Orders

Use this function to manage the debit orders on your transactional account.

A debit order is an instruction from you to a third party (e.g. company/service provider) to allow the third
party to collect a fixed/variable payment from your bank account on a specified date and frequency.

The third party may only process a debit order (collect money from your bank account) if you have provided
consent; consent can be provided in writing, telephonically or via completion of an electronic mandate
(agreement).

If an unknown third party processes a debit order against your account, you can dispute the debit order.

The following functionality is available on the My Debit Orders sub-tab:

• View Debit Orders
• Search Debit Orders
• Stop a Debit Order
• Dispute (Reverse) a Debit Order
• View Stopped Debit Order History
• View Disputed Debit Order History

6.7.3.1 View Debit Orders

Use this function to view a list of debit orders on a transactional account.

Debit Orders are displayed for a period of 12 months.

View Debit Orders

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name to select the respective account.
4. The Account Settings for the selected account will be displayed.
5. Click on the My Debit Orders sub-tab.
6. A list of the active debit orders on this account will be displayed.

6.7.3.2 Search Debit Orders

Use this function to search for a specific debit order.

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You can search by:
• Amount Range
• Description
• Date Range

How to Search Debit Orders

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name to select the respective account.
4. The Account Settings for the selected account will be displayed.
5. Click on the My Debit Orders sub-tab.
6. A list of the active debit orders on this account will be displayed.
7. Click on the Search table action.
8. Select the preferred Search By option from the drop-down menu.
9. Enter at least three characters in the search parameter fields, text or numbers, depending on the
search option that you selected.
10. Click on Search.
11. The results of your search will be displayed.

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6.7.3.3 Stop a Debit Order

Use this function to add and manage Stop Payments on your debit orders.

A Stop Payment is an instruction given by you to your bank to not honour the future payment of a debit
order; i.e. to stop a specified debit order from being processed against your account.

Stopping a debit order will block future transactions temporarily for a period of 12 months; you must
contact the respective service provider to arrange for the debit order to be stopped permanently.

You can stop a debit against your account for the following reasons:
• I did not authorise the debit order/s
o This could be due to an act of fraud.
• The debit order is in contravention of my authority
o The debit order details are not what you agreed to, i.e. the amount, date or frequency are
incorrect.
• The debit order was previously stopped via stop payment advice
o You have previously instructed the third party (e.g. company/service provider) to cancel the
debit order.
• I have previously instructed the company to cancel the debit order(s)
o Debit order was cancelled e.g. a contract was cancelled with the service provider

Important Information about Stop Debit Order Instructions

• All Debit Order functionality is restricted to the Primary User (Profile

Owner) and is available to both Individual and Business clients.
• You must create a stop payment for a debit order a minimum of 5
business days prior to the processing date.
• If the debit order was not stopped at least 5 business days before it was
scheduled to go off your account it, might still be processed. In that case,
your request to stop a debit order will only be effective from the following
month.
• The Bank is not liable for any losses incurred due to incorrect information
supplied or if the debit order has already been paid.
• Stopping a debit order will only block future transactions for a 12-month
period. It is your responsibility to contact the service provider to arrange
for the debit order to be stopped permanently.

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Add a Stop Debit Order Instruction

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name to select the respective account.
4. The Account Settings for the selected account will be displayed.
5. Click on the My Debit Orders sub-tab.
6. A list of the active debit orders on this account will be displayed.
7. Click on the Stop easy button for the respective debit order.
8. The Stop a Debit Order capture page will be displayed.
9. Select the Reason for requesting the Debit Order to be stopped from the drop-down menu.
10. Click on Stop.
11. A confirmation page will be displayed.
12. You will be required to read and accept the Terms and Conditions before you can continue.
13. Check that this information is correct and, if necessary, click Edit to make any amendments.
14. Click on Confirm.
15. A results page will display the status of your request.
16. Click on Finish to complete the process
17. You will be presented with the option to Dispute (Reverse) the debit order; click Yes or No. If you
select Yes, you will be directed to the Dispute Debit Order process.

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6.7.3.4 View Stopped Debit Orders History

Use this function to view a history of the Stop Debit Order instructions that you have loaded against an
account.

Stopped debit orders are displayed for a period of 12 months; they can be disputed within this time.

You can download a prepopulated notification which will include the reason that you selected for stopping
the debit order, which you can send to the respective service provider to notify them of your stop debit order
instruction.

The following information is displayed for a Stop Debit Order instruction:

• Instruction Date
o Date on which the Stop Debit Order instruction was initiated
• Description
o Name/Description of the service provider as it appears on your bank statement
• Amount
o Value of the debit order, this can be a specific amount or a range.
• Instruction PDF:
o For your ease of use; you can Download a pre-populated instruction to the respective
service provider to stop the debit order.

View Stop Debit Order Instructions

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name to select the respective account.
4. The Account Settings for the selected account will be displayed.
5. Click on the My Debit Orders sub-tab.
6. A list of the active debit orders on this account will be displayed.
7. Click on the History view.
8. A list of the debit orders that you have stopped online will be displayed.
9. Click on the Download easy button of the respective debit order to download a pre-populated
notification to the relevant service provider.

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6.7.3.5 Dispute (Reverse) a Debit Order

Use this function to dispute a debit order that has been processed against your account. If the dispute is
successful, the debited amount will be reversed back into your account.

11.

You can dispute a debit order for the following reasons:

• I did not authorise the debit order/s
o This could be due to an act of fraud.
• The debit order is in contravention of my authority
o The debit order details are not what you agreed to, i.e. the amount, date or frequency are
incorrect.
• I have previously instructed the company to cancel the debit order
• The debit order was previously stopped via stop payment advice
o You have previously instructed the third party (e.g. company/service provider) to cancel the
debit order.

Stopped debit orders are displayed for a period of 12 months; they can be disputed within this time.

Important Information about Disputing a Debit Order

• If the debit order was processed within the last 40 business days, the
funds will be reversed immediately.
• If the debit order was processed more than 40 business days ago, the
bank will be required to investigate the dispute.
This process may take more than 30 business days and reversal of the
debit order is not guaranteed.
• You can not dispute the same debit order transaction
• For enquiries regarding a logged dispute for a debit order that is older
than 40 business days, please contact your banker. Alternatively, please
contact the number on the back of your transactional card.

12.

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 Channel Pre-40 Day Disputes Post 40 Day Disputes
Digital Channels: Up to R,1200 Up to R,1200
Online Banking
Online Banking Enterprise™
Banking App

If the amount to be disputed

exceeds R1200.00, please
contact the call centre (Fusion
Desk) or visit a Branch to initiate
a request to dispute the
transaction.

Fusion Call Centre No Limit; any debit order amount No Limit; any debit order amount
may be disputed. may be disputed.

Debit order must have been

processed with the last 12
months.
Branch Zones No Limit; any debit order amount No Limit; any debit order amount
may be disputed. may be disputed.

Debit order must have been

processed with the last 12
months.

Dispute a Debit Order

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name to select the respective account.
4. The Account Settings for the selected account will be displayed.
5. Click on the My Debit Orders sub-tab.
6. A list of the active debit orders on this account will be displayed.
7. Click on the Dispute easy button for the respective debit order.
8. The Dispute a Debit Order capture page will be displayed.
9. Select the Reason for Dispute from the drop-down menu.
10. Click on Dispute.
11. A confirmation page will be displayed.

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 12. You will be required to read and accept the Terms and Conditions before you can continue.
13. Check that this information is correct and, if necessary, click Edit to make any amendments.
14. Click on Confirm.
15. A results page will display the status of your request.
16. Click on Finish to complete the process.
17. You will be presented with the option to put a stop payment on the debit order; click Yes or No. If
you select Yes, you will be directed to the Stop Debit Order process.

6.7.3.6 View Disputed Debit Orders History

Use this function to view a history of the Debit Orders that you have Disputed on an account in the past six
months.

The following information is displayed for a Disputed Debit Order instruction:

• Instruction Date
o Date on which the Dispute Debit Order instruction was initiated
• Description
o Name/Description of the service provider as it appears on your bank statement
• Amount
o Value of the debit order, this can be a specific amount or a range.
• Status:
o Dispute Successful
▪ A Dispute on a debit order that was processed less than 40 days ago will be
reversed immediately and the status will reflect as Dispute Successful.
o In Progress
▪ A Dispute on a debit order that was processed more than 40 days ago needs to be
investigated and the settlement process, successful or unsuccessful, may take more
than 30 days. During this time the status will reflect as In Progress.

View Disputed Debit Order Instructions

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name to select the respective account.
4. The Account Settings for the selected account will be displayed.
5. Click on the My Debit Orders sub-tab.
6. A list of the active debit orders on this account will be displayed.
7. Click on the Disputed view.
8. A list of the debit orders that you have disputed online will be displayed.

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9. Click on the View easy button of a Dispute that is In Progress to view the details of the respective debit
order.

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6.7.4 DebiCheck Mandates Overview

DebiCheck is a service which enables consumers to authenticate the details of a debit order at the start of a
new contract, or when changes are made to an existing contract, before the debit order can be processed
against their account.

When you enter into a contract with a service provider, or make changes that effect the payment terms, you
will now be required to accept a DebiCheck Mandate via your bank before the creditor can debit your
account.

The following functionality is available online:

• View your DebiCheck Mandates

• View your DebiCheck Mandate Details
• Respond to a Pending DebiCheck Mandate
• Suspend an Active DebiCheck Mandate (Stop Payment)

Important Information about DebiCheck Mandate Functionality

• All DebiCheck Mandates functionality is restricted to the Primary User

(Profile Owner) and is available to both Individual and Business
clients.
• DebiCheck Mandates will be stored electronically by the paying bank
(Debtors Bank).

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6.7.4.1 View DebiCheck Mandates
Use this function to view a list of the DebiCheck Mandates for the accounts linked to your profile.

Mandates are displayed according to their status, i.e.

• Active
• Expired (No response within given time-frame)
• Suspended
• Rejected
• Cancelled

The following information is displayed for each mandate:

• Creditor Name
• Contract Reference Number
• Instalment Amount

Important Information about Viewing DebiCheck Mandates

• All DebiCheck Mandates functionality is restricted to the Primary User

(Profile Owner) and is available to both Individual and Business clients.
• DebiCheck Mandates will be stored electronically by the paying bank
(Debtors Bank).

View your DebiCheck Mandates

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name to select the respective Transactional account.
4. The Account Settings for the selected account will be displayed.
5. Click on the My Debit Orders sub-tab and then click on the DebiCheck Mandates view.
6. By default, the Active DebiCheck Mandates page will be displayed.
7. Click on the respective Status View to view your other mandates.

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6.7.4.2 View DebiCheck Mandate Details
Use this function to view the details of a specific DebiCheck Mandate.

The following details are available:

• Creditor Name
• Creditor’s Abbreviated Name (Name that will reflect on your bank statement)
• Contact Reference Number
• Instalment Amount
• Maximum Collection Amount
• Collection Day
• Mandate Status
• Mandate Type
• Mandate Initiation Date
• Initial Amount
• First Collection Date
• Variable Debit Order Collection Date
• Monitor Debtor’s Account for Available Funds
• Adjustment Category
• Adjustment Rate
• Adjustment Amount
• Pay from Account

Important Information about Viewing DebiCheck Mandate Details

• All DebiCheck Mandates functionality is restricted to the Primary User

(Profile Owner) and is available to both Individual and Business clients.
• DebiCheck Mandates will be stored electronically by the paying bank
(Debtors Bank.

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View DebiCheck Mandate Details

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name to select the respective Transactional account.
4. The Account Settings for the selected account will be displayed.
5. Click on the My Debit Orders sub-tab and then click on the DebiCheck Mandates view.
6. By default, the Active DebiCheck Mandates page will be displayed.
7. Click on the respective Viewing Status to view your other mandates.
8. Click on the Creditor Name hyperlink to view the respective Mandate Details.
9. Click on Back to return to the DebiCheck Mandates page.

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6.7.4.3 Respond to a Pending DebiCheck Mandate

Use this function to respond to Pending DebiCheck Mandate requests. You can either Accept or Reject a
mandate.

Notifications
You will be notified via SMS if there are pending DebiCheck Mandates awaiting your response.

Response Time
The SMS notification will advise you of the cut-off time to accept the respective DebiCheck Mandate.

• Real-Time Response
o By 22h00 the same day
• Extended Response
o By 19h00 on the following business day

Reminder
If you have pending mandates, you will be prompted to respond to these when you log in to your Online
Banking profile.

To avoid DebiCheck Mandate requests from expiring unnecessarily, you will not be able to access other
banking functionality until you have Accepted or Rejected the Pending Mandate/s.

Important Information about Responding to Pending DebiCheck Mandate

• All DebiCheck Mandates functionality is restricted to the Primary User

(Profile Owner) and is available to both Individual and Business clients.
• DebiCheck Mandates will be stored electronically by the paying bank
(Debtors Bank).
• If you do not respond within the given time-frame for the mandate-type, the
mandate will expire, and you will need to contact the respective service
provider.

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Respond to a Pending DebiCheck Mandate

1. You will be notified via SMS if there are pending DebiCheck Mandates awaiting your response.
2. Log in to your Online Banking profile.
3. You will be presented with a pop-up screen to alert you of a pending DebiCheck Mandate.
4. Click on Take Me There.
5. The View Mandate page will be displayed.
6. Click on the Respond easy button for the respective mandate.
7. The Mandate Details will be displayed.
8. Check that these details are correct and, if necessary, click on Reject to decline the mandate, or click on
Accept to proceed.
If you Reject the mandate, you will be required to select the reason from the drop-down menu provided.
9. The results page will display the status of your request.
10. Click on Finish to complete the process.

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6.7.4.4 Suspend a DebiCheck Mandate

Use this function to suspend an active DebiCheck mandate.

Suspending a DebiCheck Mandate will block future debit orders for the respective contract.

The status of the active DebiCheck Mandate will change to Suspended.

When suspending a DebiCheck Mandate you will be required to select a reason:

• I am cancelling my contract
• My contract has expired
• I want my contract amended

If you would like the contract to be amended, contact the respective service provider to make the required
amendments; they will need to issue a new DebiCheck for you to accept.

Important Information about Suspending a DebiCheck Mandate

• All DebiCheck Mandates functionality is restricted to the Primary User

(Profile Owner) and is available to both Individual and Business clients.
• Only Active DebiCheck Mandates can be suspended.
• A DebiCheck Mandate can be suspended pre-payment or post-payment.
• Suspending a DebiCheck Mandate will block future debit orders for the
respective contract.

Online Banking User Guide RMB Private Bank 223

Suspend an Active DebiCheck Mandate

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name to select the respective Transactional account.
4. The Account Settings for the selected account will be displayed.
5. Click on the My Debit Orders sub-tab and then click on the DebiCheck Mandates view.
6. By default, the Active DebiCheck Mandates page will be displayed.
7. Click on the Suspend easy button for the respective mandate.
8. The Suspend DebiCheck Mandate capture page will be displayed.
9. Select the Reason for Suspending Mandate from the dropdown menu.
10. Click on Continue.
11. A confirmation page will be displayed.
12. You will be required to read and accept the Terms and Conditions before you can continue.
13. Click on Confirm.
14. Check that this information is correct and, if necessary, click Edit to make any amendments.
15. Click on Confirm.
16. A results page will display the status of your request.
17. Click on Finish to complete the process.

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6.15 Statements

Use this function to view, create and download account statements or tax certificates.

Important Information about Statements

• Statement functionality is account/product specific.

• Statement functionality can be performed by both the Primary and
Secondary User, if the Primary User has allocated View Permissions to the
Secondary User.

The following Statement functionality is available:

• Statements History

o Use this function to view, download or export historical account statements.

• Interim Statements

o Use this function to view, download or export an interim statement which reflects all
transactions that have taken place on an account since the last statement date.

• Recreated Statements

o Use this function to view, download or export a Recreated Statement which contains a
summary of all declared transaction data for a selected statement period.

• Email Statements

o Use this function to facilitate and manage the email delivery options of your account
statements.

• Tax Certificates

Online Banking User Guide RMB Private Bank 225

 o Use this function to Download or Email the Tax Certificates for the accounts linked to your
profile.

Online Banking User Guide RMB Private Bank 226

6.15.1 Statement History

Use this function to access your historical account statements, rate change and pricing letters.

For your convenience, the last 12 statements for the selected account are displayed on screen together with
the following information:
• Document Name (including Statement Number, where applicable)
• Statement Date
• Number of Pages

Verified Statements:
When e-mailing or Downloading a statement, you can select to have the statement Verified at no additional
cost. A verified Bank Statement has a bank stamp and is therefore ideal for official use. A third party can
use the details of the stamp to verify the authenticity of the respective statement via the FNB website.

Historical account statements can be downloaded in PDF format; this is an official bank statement.

Important Information about Statement History

• Statement functionality is account/product specific.

• Historical statements for transactional accounts are available from 1996.
• The latest 12 statements can be downloaded for free via Online Banking or
the FNB Banking App; a fee will be charged to download older statements.
• The PDF version of a historical statement is an official bank statement.
• Statements for Temporary Loans can be obtained via the Banking App.

The following options are available:

• Search Statement History
• Print the Interim Statement
• Export Statement History
• Download Statement History

Online Banking User Guide RMB Private Bank 227

View and Search Statement History

Use this function to view or search your historical statements.

Important Information about Statement History

• Statement functionality is account/product specific.

• Historical statements are available from 1996.
• The latest 12 statements can be downloaded for free via Online
Banking or the RMB Banking App; a fee will be charged to
download older statements.
• The PDF version of a historical statement is an official bank
statement.

View and Search Statement History

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the menu and select the Statements > Statements History option.
4. A list of your applicable accounts will be displayed.
5. Click on the Account Name to select the respective account.
6. The Statements History for the selected account will be displayed.
7. To view the Statements History for another account, select the respective account from the account
switcher drop-down menu.
8. If you would like to search for a specific statement, click on the Search table action.
9. Enter the date range that you would like to search.
10. Click on Search.
11. The results of your search will be displayed.

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Download Statement History (Verified or Unverified)

Use this function to download your historical account statements.

Verified Statements:
When e-mailing or Downloading a statement, you can select to have the statement Verified at no additional
cost. A verified Bank Statement has a bank stamp and is therefore ideal for official use. A third party can
use the details of the stamp to verify the authenticity of the respective statement via the FNB website.

Historical account statements can be downloaded in PDF format; this is an official bank statement.

Important Information about Statement History

• Statement functionality is account/product specific.

• Historical statements are available from 1996.
• The latest 12 statements can be downloaded for free via Online
Banking or the FNB Banking App; a fee will be charged to download
older statements.
• The PDF version of a historical statement is an official bank
statement.

Download Statement History

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the menu and select the Statements > Statements History option.
4. A list of your applicable accounts will be displayed.
5. Click on the Account Name to select the respective account.
6. The Statements History for the selected account will be displayed.
7. To view the Statements History for another account, select the respective account from the account
switcher drop-down menu.
8. Click on the Download icon for the respective statement.
9. Click on the respective icon to indicate if you would like an Unverified or Verified version of the
selected statement.
10. You can choose to Open the file or to Save it.
11. Click on Back to return to the Statement History page.

Email Statement History (Verified or Unverified)

Use this function to email your historical account statements to yourself or a third party.

Online Banking User Guide RMB Private Bank 229

When completing your request, you can indicate if you require the statement to be verified or not.

A verified Bank Statement has a bank stamp and is therefore ideal for official use. A third party can use the
details of the stamp to verify the authenticity of the respective statement via the FNB website.

Important Information about Statement History

• Statement functionality is account/product specific.

• Historical statements are available from 1996.
• The latest 12 statements can be downloaded for free via Online
Banking or the FNB Banking App; a fee will be charged to download
older statements.
• The PDF version of a historical statement is an official bank
statement.

Email Statement History

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the menu and select the Statements > Statements History option.
4. A list of your applicable accounts will be displayed.
5. Click on the Account Name to select the respective account.
6. The Statements History for the selected account will be displayed.
7. To view the Statements History for another account, select the respective account from the account
switcher drop-down menu.
8. Click in the email check box for the respective statement/s that you would like to export to email.
9. Click on the Yes or No slider for Verify My Statement to indicate if you would like a verified version of
the statement.
10. Enter the email address to which the statements must be sent.
11. Click on Continue.
12. A confirmation page will be displayed.
13. You will be required to read and accept the Terms and Conditions before you can continue.
14. Check that this information is correct and, if necessary, click Edit to make any amendments.
15. A results page will display the status of your request.
16. Click on Finish to complete the process.

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6.15.2 Interim Statements

Use this function to view or export an interim statement which reflects all transactions that have taken place
on an account since the last statement date.

Important Information about Interim Statements

• Statement functionality is account/product specific.

• An interim statement is not an official bank statement and should
therefore not be presented to third parties.

The following options are available:

• Print the Interim Statement

• Download the Interim Statement
• Export the Interim Statement to an email address in a maximum of three formats selected by you

Print, Download or Export an Interim Statement

1. Click on the My Bank Accounts tab.
2. If it is not already selected, click on the My Accounts view.
3. The accounts linked to your profile will be displayed.
4. Click on the menu and select the Statements > Interim Statements option.
5. A list of your applicable accounts will be displayed.
6. Click on the Account Name to select the respective account.
7. An Interim Statement for the selected account will be displayed.
8. To view an Interim Statement for another account, select the respective account from the account
switcher drop-down menu.
9. Click on the Print or Download table action; alternatively click on the Export page action to export
the statement to email.
10. The Export Interim Statement capture page will be displayed.
11. Enter the Email Address and Email Subject for the export.
12. Select the Format/s that you would like of this interim statement.
13. Select to have the statement sent as either An Email Per Format or A Single Email for all
Formats.
14. Click on Finish to complete the process.

Online Banking User Guide RMB Private Bank 231

6.15.3 Recreated Statements

A Recreated Statement contains a summary of all declared transaction data for a selected statement period.

A Recreated Statement provides a summary of the selected statement which includes the following
information:

• Statement Information
o Statement Date
o Opening Balance
o Closing Balance
o Total Value of Debits
o Total Value of Credits

• Number of Transactions
o Number of Debits
o Number of Credits

• Transactions

The following functionality is available:

• View the current Recreated Statement

• Search the current Recreated Statement for a specific transaction

• Download the current Recreated Statement (PDF format only)
• Search for a historical Recreated Statement
• Export a Recreated Statement to an email address in a maximum of three file formats selected by
you

Important Information about Recreated Statements

• Statement functionality is account/product specific.

• A recreated statement is not an official bank statement and should
therefore not be presented to third parties.

Online Banking User Guide RMB Private Bank 232

View Current Recreated Statement

Use this function to view a Recreated Statement for the current statement period on the selected account.

View Current Recreated Statement

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the menu and select the Statements > Recreated Statements option.
4. A list of your applicable accounts will be displayed.
5. Click on the Account Name to select the respective account.
6. You will be required to read and acknowledge the Terms and Conditions before you can continue.
7. Click on Continue.
8. A Recreated Statement for the most recent Statement Date of the selected account will be
displayed.
9. Click on Close to return to the My Bank Accounts page.

Search a Recreated Statement

Use this function to Search the current Recreated Statement for a specific transaction; you can search by
Description, Reference, or Amount.

Search a Recreated Statement

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the menu and select the Statements > Recreated Statements option.
4. A list of your applicable accounts will be displayed.
5. Click on the Account Name to select the respective account.
6. You will be required to read and acknowledge the Terms and Conditions before you can continue.
7. Click on Continue.
8. A Recreated Statement for the most recent Statement Date of the selected account will be
displayed.
9. Click on Search in the table actions.
10. Enter a minimum of three alpha or numeric characters to start the search.
11. The results of your search will be displayed.
12. Click on Close to return to the My Accounts page.

Online Banking User Guide RMB Private Bank 233

Download the Current Recreated Statement

Use this function to Download the current Recreated Statement in PDF format.
If you require the stamen in a different format, please utilise the export option.

Download Current Recreated Statement

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the menu and select the Statements > Recreated Statements option.
4. A list of your applicable accounts will be displayed.
5. Click on the Account Name to select the respective account.
6. You will be required to read and acknowledge the Terms and Conditions before you can continue.
7. Click on Continue.
8. A Recreated Statement for the most recent Statement Date of the selected account will be
displayed.
9. Click on Download in the table actions.
10. You can either Open or Save the downloaded statement.

Online Banking User Guide RMB Private Bank 234

Search for a Recreated Statement

Use this function to search for a Recreated statement for a specific statement period.

Search for a Recreated Statement

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.

2. The accounts linked to your profile will be displayed.

3. Click on the menu and select the Statements > Recreated Statements option.
4. A list of your applicable accounts will be displayed.
5. Click on the Account Name to select the respective account.
6. You will be required to read and acknowledge the Terms and Conditions before you can continue.
7. Click on Continue.
8. A Recreated Statement for the most recent Statement Date of the selected account will be
displayed.
9. Click on the menu and select the Search option.
10. The Search Statements capture page will be displayed.
11. Select the Date Range that you would like to search from the drop-down menus.
12. Click on Search.
13. The most recent Recreated Statement for the specified Date Range will be displayed.
14. Use the Previous or Next buttons to navigate between the statements for that period.
15. Click on Close to return to the My Accounts page.

Online Banking User Guide RMB Private Bank 235

Export a Recreated Statement

Use this function to export a Recreated Statement for an account linked to your profile.

When exporting a Recreated Statement, you can select to have the statement emailed in up to three
different formats.

Recreated Statements can be exported in the following formats:

• CSV

• PDF
• Microsoft Money (OFX)
• Quicken (QIF)
• Pastel

Export a Recreated Statement

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the menu and select the Statements > Recreated Statements option.
4. A list of your applicable accounts will be displayed.
5. Click on the Account Name to select the respective account.
6. You will be required to read and acknowledge the Terms and Conditions before you can continue.
7. Click on Continue.
8. A Recreated Statement for the most recent Statement Date of the selected account will be
displayed.
9. Click on the menu and select the Export option.
10. The Export Recreated Statements capture page will be displayed.
11. Select the Date Range of the statements that you would like to export from the drop-down menus.
12. Enter the Email Address and Email Subject for the export.
13. Select the required file Format/s that you would like the Recreated Statement in.
14. If you select multiple file formats, you can select to have the statement sent as either One Email Per
Format or A Single Email for all Formats.
15. Click on Finish to complete the process.

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 6.22.4 Email Statements

If you have a Business Account, you can use this function to facilitate and manage the email delivery options
of your account statements.

You can specify up to 3 email addresses to send your statements to.

You can also change the Statement Cycle for your Business Accounts.

The following functionality is available:

• Subscribe
• Maintain

Important Information about Email Statements

• Statement functionality is account/product specific.

• Email Statement functionality is restricted to the Primary User (Profile
Owner).
• If you subscribe to receive statements via email your current statement
delivery option will apply one more time. Thereafter you will receive your
statement via email only.
• If you currently receive cheque vouchers via post and you choose to
subscribe to receive statements via email, your current delivery option will
apply one more time. Thereafter your cheque vouchers will be available
for viewing via Transaction History.
• Please note that Business Accounts cannot be unsubscribed from
Email Statements.

Online Banking User Guide RMB Private Bank 237

Subscribe to Email Statements

Use this function to setup your Email Statement preferences for your account/s.

You can specify up to 3 email addresses to send your statements to.

Subscribe to Email Statements

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the menu and select the Statements > Email Statements option.
4. A list of your accounts will be displayed.
5. Click on the Account Name to select the respective account.
6. The Email Statements capture page will be displayed.
7. Enter the Email Address/es that you would like the statements to be sent to.
8. If required, select the preferred Statement Cycle from the drop-down menu.
9. Before you can continue you will be required to read and accept the Disclaimer.
10. Click on Continue.
11. A confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click Edit to make any amendments.
13. Click on Confirm.
14. A results page will display the status of your request.
15. Click on Finish to complete the process.

Online Banking User Guide RMB Private Bank 238

Maintain Email Statement Settings

Use this function to maintain your Email Statement preferences for your account/s.

The following settings can be modified:

• Email address/s for statement delivery
• File Format
• Statement Cycle

Important Information about Maintaining Email Statements

• Any changes that you make will only come into effect after your next currently
scheduled statement has been issued.

Maintain Email Statement Settings

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the menu and select the Statements > Email Statements option.
4. A list of your applicable accounts will be displayed.
5. Click on the Account Name to select the respective account.
6. The Email Statements capture page will be displayed.
7. Amend the options as required.
8. Before you can continue you will be required to read and accept the Disclaimer.
9. Click on Continue.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click Edit to make any amendments.
12. Click on Confirm.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.

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6.16.5 Tax Certificates

Use this function to Download or Email the Tax Certificates for the accounts linked to your profile.

The Tax Certificate search is done at client level and not at account level which means that there is no need
to select a specific account; the search will be conducted across your entire profile and all results will be
displayed.

Tax certificates are stored for a 5-year period.

The following functionality is available:

• View Tax Guidelines

• Retrieve Tax Certificate/s

6.16.5.1 View Tax Guidelines

For your ease of reference, Tax Guidelines for the respective tax year are available on the Tax Certificates
page.

In order to assist you in completing your tax return, we have compiled answers to a list of frequently asked
questions.

Important Information about the Tax Guidelines

• For assistance with your tax submission, please contact SARS directly on
0800 007 277 or visit www. sars. gov.za.
• For more information If you require assistance with your FNB tax
certificate, please contact our FNB Call Centre on 087 575 9404 or email
info @ fnb.co.za.

13.

Please note:
The contents in this document are provided as a guide only and should not be
considered as tax, legal or investment advice. Professional tax advisors should be
sought before making use of this content.
FNB accepts no responsibility for any errors, omissions or misstatements.

Online Banking User Guide RMB Private Bank 240

View Tax Guidelines

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the menu and select the Statements > Tax certificate option.
4. The Tax Certificates landing page will be displayed.
5. Click on the Tax Guideline option to open the document.

6.16.5.2 Retrieve Tax Certificate/s

Use this function to retrieve the Tax Certificates for the accounts linked to your profile.

The Tax Certificate search is done at client level and not at account level which means that there is no need
to select a specific account; the search will be conducted across your entire profile and all results will be
displayed.

Tax certificates are stored for a 5-year period and are grouped by the type of financial product; e.g. Bank
Certificates, Horizon Series etc.

The following functionality is available:

• Download Tax Certificates

• Email Tax Certificate/s

Important Information about Downloading or Emailing Tax Certificates

• Tax Certificates are only available for certain accounts/product types

• The Tax Certificates functionality is restricted to the Primary User (Profile
Owner).
• The Tax Certificate for an account linked via an Account Relationship can
only be downloaded or emailed by the account owner.
• There is no limit to how many Tax Certificates you can send via a single
email.

Download a Tax Certificate

Online Banking User Guide RMB Private Bank 241

 1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the menu and select the Statements > Tax certificate option.
4. A list of Tax Certificate/s issued on your accounts for the last five years will be displayed.
5. Click on the Download easy button for the respective Tax Certificate.
6. You can choose to Open the file or to Save it.

Email Tax Certificate/s

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. The accounts linked to your profile will be displayed.
3. Click on the menu and select the Statements > Tax certificate option.
4. A list of Tax Certificates issued on your accounts for the last five years will be displayed.
5. Click in the check box of the certificate/s that you would like to export.
6. Enter the Email Address that you would like the certificate/s to be sent to.
7. Click on Submit.
8. A confirmation page will be displayed.
9. Check that this information is correct and, if necessary, click Edit to make any amendments.
10. Click on Confirm.
11. A results page will display the status of your request.
12. Click on Finish to complete the process.

Online Banking User Guide RMB Private Bank 242

6.16 Instant Solutions

The following instant Solutions products are currently available via Online Banking:

• Instant Accounting
• Instant Financial Management
• Instant Payroll
• Merchant Insights
• Instant Invoicing
• Instant Cashflow

When accessing the Instant Solutions products via Online Banking your banking session will be ended and
you will be redirected to the Instant Solutions website.

Important Information about Instant Solutions

• Only the Primary User can register for Instant Solutions.

• Secondary users can access Instant Solutions if they have been
allocated viewing permissions by the Primary User.

Online Banking User Guide RMB Private Bank 243

6.16.1 Instant Accounting

Use this function to register for Instant Accounting or to access your Instant Accounting profile.

Instant Accounting is a unique, online accounting solution which uses your electronic bank statement/s to
automatically generate financial statements and reports.

This reduces manual data capturing and processing which enables you to produce updated financials
effortlessly and with increased accuracy.

Instant Accounting generates various financial statements and reports, including:

• Income statements
• Balance sheets
• Cash-flow statements
• VAT reports
• Debtors and Creditors Management
• Budgeting

How to register for / access Instant Accounting:

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. Click on the menu and select the Instant Solutions > Instant Accounting option.
3. Select Create New Profile.
4. Before you can continue you will be required to read and accept the Terms and Conditions.
5. Click on Next.
6. Your banking session will end and you will be redirected to the Instant Solutions site.

Online Banking User Guide RMB Private Bank 244

6.16.2 Instant Financial Management

Use this function to register for Instant Financial Management or to access your Instant Financial
Management profile.

Instant Financial Management is an easy-to-use online solution that uses the information from your
electronic bank statements to provide you with a complete overview of your personal financial position.

The system automatically assigns transactions to predefined income and expense categories, although
you can adjust the categories and teach it your preferences.

With Instant Financial Management, you can generate various reports and graphs, which you can view
online or have e-mailed to you, that will reflect your:
• Income and Expenditure
• Cash Flow (Surplus or Deficit)
• Investments
• Assets, Liabilities and Nett Worth
• Budgets vs Actuals

Having a single view of your finances can help you to:

• Better manage your income and expenditure
• Set and attain financial goals
• Easily complete your tax return and loan applications

Online Banking User Guide RMB Private Bank 245

6.16.3 Instant Payroll

Use this function to register for Instant Payroll or to access your Instant Payroll profile.

Instant Payroll is a complete, web-based payroll processing solution that helps you to manage your
business’ payroll quickly and easily.

It enables you to generate payslips and pay your employees and third parties with minimum fuss.

Instant Payroll also ensures that you, as an employer, adhere to current SARS requirements.

Because Instant Payroll is web-based, you have access to the system wherever you have an Internet
connection.

Online Banking Functionality:

After generating payslips for your employees on Instant Payroll, bulk payment files, (ACB Files), for
salaries and third-party payments will automatically be sent directly to Online Banking where you can submit
them for payment, without having to add any of the employees/third-parties to your Recipient List.

All payments will be processed via your Online Banking profile.

If you need to make a Once-Off payment to your employees, such as bonuses, you can also utilise the
Import Payments functionality on Online Banking. You simply need to complete the ACB file layout offline,
(ACB template available for download), and then import the file directly into Online Banking to make a bulk
payment.

How to register for Instant Payroll:

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. Click on the menu and select the Instant Solutions > Instant Payroll option.
3. Before you can continue you will be required to read and accept the Terms and Conditions.
4. Click on Next.
5. Your banking session will end and you will be redirected to the Instant Solutions site.

Online Banking User Guide RMB Private Bank 246

6.16.4 Merchant Insights

Use this function to register for Merchant Insights or to access your Merchant Insights profile.

Merchant Insights, a web-based service, allows you quick and easy access to all processed card
transactions and the ability to retrieve various reports on any acquired transactions via Online Banking.

With Merchant Insights, you can:

• View and download current and archived processed transactions

• Reconcile daily settlements to individual point of sale transactions
• Generate customised reports that will be emailed to you for FREE
• Download data or analysis to a spreadsheet

How to register for Merchant Insights:

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. Click on the menu and select the Instant Solutions > Merchant Insights option.
3. Before you can continue you will be required to read and accept the Terms and Conditions.
4. Click on Next.
5. Your banking session will end and you will be redirected to the Instant Solutions site.

Online Banking User Guide RMB Private Bank 247

6.16.5 Instant Invoicing

Use this function to register for Instant Invoicing or to access your Instant Invoicing profile.

Instant Invoicing is a SARS compliant template which enables users to generate their own invoices in a
standardised, professional approach.

A business using the Instant Invoicing tool can be assured that their invoice format is correct and that it
adheres to the most recent requirements for submission, as stipulated by SARS.

It also offers the purchaser the peace of mind that the invoice received allows VAT claims against it; if the
purchaser is a registered VAT claimant.

How to register for Instant Invoicing:

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. Click on the menu and select the Instant Solutions > Instant Invoicing option.
3. Before you can continue you will be required to read and accept the Terms and Conditions.
4. Click on Next.
5. Your banking session will end and you will be redirected to the Instant Solutions site.

Online Banking User Guide RMB Private Bank 248

6.16.6 Instant Cashflow

Use this function to register for Instant Cashflow or to access your Instant Cashflow profile.

Instant Cashflow is an online, interactive tool that can help customers to better manage their cash flow and
make informed business decisions.

The tool uses information from a business customer’s bank statement to provide them with historical cash
flow reports as well as predictive reports which are calculated by looking at patterns in their business over
the past 12 months.

These forward-looking reports can help business owners to anticipate when to expect drops in their cash
flow in the coming months, enabling them to take pro-active and informed decisions to better manage their
business’ cash flow.

How to register for Instant Cashflow:

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-
tab.
2. Click on the menu and select the Instant Solutions > Instant Cashflow option.
3. Before you can continue you will be required to read and accept the Terms and Conditions.
4. Click on Next.
5. Your banking session will end and you will be redirected to the Instant Solutions site.

Online Banking User Guide RMB Private Bank 249

6.17 DebiCheck Overview

DebiCheck is a service which enables consumers to authenticate a new debit order before it is processed
against their account.

When you enter a contract with a service provider, you will now be required to accept a DebiCheck Mandate
via your bank before the creditor can debit your account.

The following functionality is available online:

• View your DebiCheck Mandates

• View DebiCheck Mandate Details
• Respond to a Pending DebiCheck Mandate
• Suspend a DebiCheck Mandate
• Stop a DebiCheck Debit Order
• Dispute (Reverse) a DebiCheck Debit Order

Important Information about DebiCheck Mandate Functionality

• All DebiCheck Mandates functionality is restricted to the Primary User

(Profile Owner) and is available to both Individual and Business
clients.
• DebiCheck Mandates will be stored electronically by the paying bank
(Debtors Bank).

Online Banking User Guide RMB Private Bank 250

6.17.1 View DebiCheck Mandates
Use this function to view the DebiCheck Mandates for the debit orders that are being processed against your
FNB/RMB account/s.

The following information will be displayed for each mandate:

• Contract Reference Number

• Creditor
• Instalment Amount
• Status
o Pending
o Accepted
o Cancelled
o Rejected
o Expired (No response within given time-frame)
o Suspended
o Stopped
o Disputed

Important Information about Viewing DebiCheck Mandates

• All DebiCheck Mandates functionality is restricted to the Primary User

(Profile Owner) and is available to both Individual and Business clients.
• DebiCheck Mandates will be stored electronically by the paying bank
(Debtors Bank).

View your DebiCheck Mandates

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name to select the respective Cheque account.
4. The Account Settings for the selected account will be displayed.
5. Click on the My Debit Orders sub-tab and then click on the DebiCheck Mandates view.
6. The DebiCheck Mandates page will display a list of both your Pending and Accepted DebiCheck
Mandates will be displayed together with their corresponding Status.

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6.17.2 View DebiCheck Mandate Details
Use this function to view the details of a specific DebiCheck Mandate.

The following details are available:

• Creditor’s Abbreviated Name (Name that will reflect on your bank statement)
• Instalment Amount
• Maximum Collection Amount
• Collection Day
• Next Sunday
• Contract Reference Number
• Date Adjustment Rule Indicator
• No.
• Tracking Indicator
• Frequency
• Creditor's name
• Debtor Account Number

Important Information about Viewing DebiCheck Mandate Details

• All DebiCheck Mandates functionality is restricted to the Primary User

(Profile Owner) and is available to both Individual and Business clients.
• DebiCheck Mandates will be stored electronically by the paying bank
(Debtors Bank.

View DebiCheck Mandate Details

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name to select the respective Cheque account.
4. The Account Settings for the selected account will be displayed.
5. Click on the My Debit Orders sub-tab and then click on the DebiCheck Mandates view.
6. The DebiCheck Mandates page will display a list of both your Pending and Accepted DebiCheck
Mandates will be displayed together with their corresponding Status.
7. Click on the Contract Reference Number hyperlink to view the Mandate Details.
8. Click on Back to return to the DebiCheck Mandates page.

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6.17.3 Respond to a Pending DebiCheck Mandate

Use this function to respond to Pending DebiCheck Mandate requests. You can either Accept or Reject a
mandate.

Notifications
You will be notified via SMS if there are pending DebiCheck Mandates awaiting your response.

Response Time
The SMS notification will advise you of the cut-off time to accept the respective DebiCheck Mandate.

• Real-Time Response
o By 22h00 the same day
• Extended Response
o By 19h00 on the following business day

Reminder
If you have pending mandates, you will be reminded when you log in to your Online Banking profile. You can
either Continue to your pending mandates or you can Respond Later.

If you select the Respond Later option, you can access the DebiCheck Mandate via your Account Settings:
My Bank Accounts Tab > Account Name hyperlink > Debit Orders > DebiCheck Mandates

Important Information about Responding to Pending DebiCheck Mandate

• All DebiCheck Mandates functionality is restricted to the Primary User

(Profile Owner) and is available to both Individual and Business clients.
• DebiCheck Mandates will be stored electronically by the paying bank
(Debtors Bank).
• If you do not respond within the given time-frame for the mandate-type, the
mandate will expire, and you will need to contact the respective service
provider.

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Respond to a Pending DebiCheck Mandate

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name to select the respective Cheque account.
4. The Account Settings for the selected account will be displayed.
5. Click on the My Debit Orders sub-tab and then click on the DebiCheck Mandates view.
6. The DebiCheck Mandates page will display a list of both your Pending and Accepted DebiCheck
Mandates will be displayed together with their corresponding Status.
7. Click on the Respond easy button for the respective Pending Mandate.
8. The View Mandate page will be displayed for the selected DebiCheck Mandate.
9. Check that this information is correct and, if necessary, click on Reject to decline the mandate. If you
Reject the mandate, you will be required to select the reason from the drop-down menu provided.
10. If you agree with the information displayed, click on Accept to proceed.
11. The results page will display the status of your request.
12. Click on Finish to complete the process and return to the DebiCheck Mandates page.

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6.17.4 Suspend a DebiCheck Mandate

Use this function to suspend an accepted DebiCheck Mandate; thereby stopping future debit order
transactions.

When suspending a DebiCheck Mandate you will be required to select a reason:

• I am cancelling my contract
• My contract has expired
• I want my contract amended

Important Information about Suspending a DebiCheck Mandate

• All DebiCheck Mandates functionality is restricted to the Primary User

(Profile Owner) and is available to both Individual and Business clients.
• DebiCheck Mandates will be stored electronically by the paying bank
(Debtors Bank).
• Only Accepted DebiCheck Mandates can be suspended.
• A DebiCheck Mandate can be suspended pre-payment or post-payment.
• To suspend a DebiCheck Mandate for a debit order greater than R200.00,
please contact the number on the back of your Cheque Card, alternatively visit
your branch or contact your personal banker.

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Suspend an Active DebiCheck Mandate

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name to select the respective Cheque account.
4. The Account Settings for the selected account will be displayed.
5. Click on the My Debit Orders sub-tab and then click on the DebiCheck Mandates view.
6. The DebiCheck Mandates page will display a list of both your Pending and Accepted DebiCheck
Mandates will be displayed together with their corresponding Status.
7. Click on the Suspend easy button for the respective Active Mandate.
8. The Suspend DebiCheck Mandate capture page will be displayed.
9. Select the Reason for Suspending Mandate from the dropdown menu.
10. Click on Continue.
11. A confirmation page will be displayed.
12. You will be required to read and accept the Terms and Conditions before you can continue.
13. Check that this information is correct and, if necessary, click Edit to make any amendments.
14. Click on Confirm.
15. A results page will display the status of your request.
16. Click on Finish to complete the process.

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6.17.5 Stop a DebiCheck Debit Order

Use this function to instruct the bank to not allow a specified DebiCheck debit order to be processed against
your account.

Stopping a DebiCheck debit order will block future transactions temporarily; you must contact the
respective service provider to arrange for the debit order to be stopped permanently.

The status of the active DebiCheck Mandate will change to Suspended.

When stopping a DebiCheck debit order you will be required to select a reason:

• I am cancelling my contract
• My contract has expired
• I want my contract amended

Important Information about Stopping a DebiCheck Debit Order

• All DebiCheck functionality is restricted to the Primary User (Profile Owner)

and is available to both Individual and Business clients.
• DebiCheck Mandates will be stored electronically by the paying bank
(Debtors Bank).
• A DebiCheck debit order can only be stopped post-payment.
• Stopping a DebiCheck debit order will block future transactions
temporarily; you must contact the respective service provider to arrange for
the debit order to be stopped permanently.
• A DebiCheck debit order can not be stopped again if the previous stop-
payment period has expired.

14.

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Stop a DebiCheck Debit Order

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name to select the respective Cheque account.
4. The Account Settings for the selected account will be displayed.
5. Click on the My Debit Orders sub-tab.
6. A list of your Debit Orders will be displayed.
7. Click on the Stop easy button for the respective debit order.
8. The Stop a Debit Order capture page will be displayed.
9. Move the slider to indicate whether the amount of this debit order differs month to month.
10. If the amount does differ, you will be required to enter an Amount Range.
11. Select the Reason for Stop from the dropdown menu.
12. Click on Stop.
13. A confirmation page will be displayed.
14. You will be required to read and accept the Terms and Conditions before you can continue.
15. Check that this information is correct and, if necessary, click Edit to make any amendments.
16. Click on Confirm.
17. A results page will display the status of your request.
18. Click on Finish to complete the process

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6.17.6 Dispute (Reverse) a DebiCheck Debit Order

Use this function to dispute a DebiCheck debit order that has been incorrectly processed against your
account.

The status of the DebiCheck Mandate will remain as Active.

Successfully disputing a debit order will reverse the funds for that debit order back into your account, but the
respective DebiCheck Mandate will remain Active and the debit order will continue to be processed against
your account on the next collection date. Please contact the respective service provider to amend the
DebiCheck Mandate accordingly.

When disputing a DebiCheck debit order you will be required to select a reason:

• The date of the debit order is incorrect

• The amount of the debit order is incorrect

Important Information about Disputing a DebiCheck Debit Order

• All DebiCheck functionality is restricted to the Primary User (Profile

Owner) and is available to both Individual and Business clients.
• DebiCheck Mandates will be stored electronically by the paying bank
(Debtors Bank).
• A DebiCheck debit order can only be disputed post-payment.
• Successfully disputing a debit order will reverse the funds back into your
account, but the respective DebiCheck Mandate will remain Active and
the same debit order will continue to be processed against your account.
Please contact the respective service provider to amend the
DebiCheck Mandate accordingly.

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Dispute (Reverse) a DebiCheck Debit Order

1. Click on the My Bank Accounts tab and, if it isn’t already selected, click on the My Accounts sub-tab.
2. The accounts linked to your profile will be displayed.
3. Click on the Account Name to select the respective Cheque account.
4. The Account Settings for the selected account will be displayed.
5. Click on the My Debit Orders sub-tab.
6. A list of your Debit Orders will be displayed.
7. Click on the Dispute easy button for the respective debit order.
8. The Dispute a Debit Order capture page will be displayed.
9. Select the Reason for Dispute from the dropdown menu.
10. Click on Dispute.
11. A confirmation page will be displayed.
12. You will be required to read and accept the Terms and Conditions before you can continue.
13. Check that this information is correct and, if necessary, click Edit to make any amendments.
14. Click on Confirm.
15. A results page will display the status of your request.
16. Click on Finish to complete the process

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My Cards Sub-Tab

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6.18 My Cards Sub-Tab Overview

The My Cards sub-tab functionality enables you to view and maintain the cards linked to your Online
Banking profile.

Important Information about Cards

• All Card functionality is restricted to the Primary User.

• Card functionality is dependent on the card type.

The following functionality is available on the My Cards sub-tab:

• Activate Card
• Reactivate Card
• Temporarily Block and Unblock Card
• Update Card Delivery Details
• Online Secure
• Maintain Limits
• View PIN
• Create PIN
• Cancel Card
• Order Replacement Card
• Order Additional Card

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6.19 Activate Card

Activate Card

Use this function to activate your new Cheque (Individual and Business) or Credit (Individual only) card
online.

For your security, you should be in possession of the respective card before you activate it.

Once you have activated your card; you can Create/Modify the PIN via the My Cards menu.

Business Rules:
• This functionality is restricted to the Primary User (Profile Owner) of both individual and business
profiles.
• Business Account holders may only activate Debit Cards online.
• For your security, you should be in possession of the respective card before you activate it.
• For queries regarding Cheque Card activations please contact Digital Banking Support.
• For queries regarding Credit Card activations please contact the Credit Card Division.

Activate Card
1. Select My Bank Accounts and then select My Cards.
2. A list of the cards linked to your Online Banking profile will be displayed; new cards will have a
Status of Inactive until they have been activated online.
3. Click on the Activate button for the respective card.
4. You will be prompted to confirm that you are in possession of the selected card before you can
continue; select Yes.
5. A results page will display the status of your request.
6. Click on Finish to return to the My Cards page; if your activation was successful the Status of the
respective card will now appear as Active, and the Expiry Date of the card will be displayed.

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6.20 Reactivate Card

If you have blocked/deactivated your Cheque or Credit card by entering the PIN incorrectly three times; you
can use this function to reactivate your card online.

For your security, you should be in possession of the respective card before you reactivate it.

Important Information about Card Reactivations

• This functionality is restricted to the Primary User (Profile Owner) of a

Consumer profile.
• For queries regarding Cheque card activations please contact Digital Banking
Support.
• For queries regarding Credit Card activations please contact the Credit
Card Division.

• Have the respective card available before you begin this process.

Reactivate Card
1. Click on the My Bank Accounts tab and select the My Cards sub-tab.
2. A list of the cards linked to your Online Banking profile will be displayed.
3. Check the Status column; you can only re-activate the card if the Status reflects as 'Reactivate
Card'.
4. Click on the Reactivate Card hyperlink for the respective card.
5. You will be prompted to confirm that you are in possession of the selected card before you can
continue. Click on Yes or No.
6. A results page will display the status of your request.
7. Click on Finish to return to the My Cards page; if your reactivation was successful the Status of the
respective card will now appear as 'Active'.

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6.21 Temporarily Block and Unblock your Card

This functionality enables you to temporarily block and unblock your debit and/or cheque card/s online.

Blocking your card does not cancel the card, however, any transactions made using the card while it is
blocked will be declined.

This offers you a quicker and simpler means to block a lost or stolen card immediately without having to
contact the bank.

If the card is found and you did not report it as lost or stolen, you can simply unblock it online and continue to
use it immediately.

The following functionality is available:

• Temporarily Block a Debit / Cheque Card

• Unblock a Debit / Cheque Card that you have Temporarily Blocked

Important Information about Blocking and Unblocking your Card

• This functionality is restricted to the Primary User of a Consumer Profile.

• Blocking your card does not cancel the card, however, any transactions
made using the card while it is blocked will be declined.

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6.21.1 Temporarily Block a Card

Use this function to temporarily block your debit and/or cheque card/s online.

Blocking your card does not cancel the card, however, any transactions made using the card while it is
blocked will be declined.

Important Information about Blocking your Card

• This functionality is restricted to the Primary User of a Consumer Profile.

• Blocking your card does not cancel the card, however, any transactions
made using the card while it is blocked will be declined.

Temporarily Block Card

1. Click on the My Bank Accounts tab and select the My Cards sub-tab.
2. A list of the cards linked to your Online Banking profile will be displayed.
3. Click on the More easy button for the respective card and then select the Temporarily Block My
Card option.
4. A confirmation page will be displayed.
5. Check that this information is correct and, if necessary, click on Cancel to abandon the request.
6. Click on Confirm.
7. A results page will display the status of your request.
8. Click on Finish to complete the process.

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6.21.2 Unblock a Temporarily Blocked Card

Use this function to unblock a card that you have temporarily blocked.

The card will be unblocked in real-time and can be used to transact immediately.

Important Information about Unblocking your Card

• This functionality is restricted to the Primary User of a Consumer

Profile.
• The card will be unblocked in real-time and can be used to transact
immediately.

Unblock a Temporarily Blocked Card

1. Click on the My Bank Accounts tab and select the My Cards sub-tab.
2. A list of the cards linked to your Online Banking profile will be displayed.
3. In the Status column, click on the Unblock Now hyperlink for the respective card.
4. A confirmation page will be displayed.
5. Check that this information is correct and, if necessary, click on Cancel to abandon the request.
6. Click on Confirm.
7. A results page will display the status of your request.
8. Click on Finish to complete the process.

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6.22 Update Card Delivery Details

Use this function to proactively update your card delivery details before your new Cheque or Credit Card is
due to be issued.

Important Information about updating Card Delivery Details

• This functionality is restricted to the Primary User of a Consumer profile.

• For your security, the delivery options available for certain product/card
types are restricted; you will only be presented with the options applicable
to the respective product/card type.
• Your new card will be created and sent to you approximately 14 days
before your current card expires. Should you wish to change delivery
details at a later stage, please contact the number on the back of your
card.
• Please note that there is a fee for courier delivery.

Update Card Delivery Details

1. Click on the My Bank Accounts tab and select the My Cards sub-tab.
2. A list of the cards linked to your Online Banking profile will be displayed.
3. Check the Status column; if the card is due to expire soon the Expiry Date will be hyperlinked.
4. Click on the Expiry Date hyperlink for the respective card.
5. The Card Expiry Delivery Details capture page will be displayed.
6. Click on the respective button to select your preferred delivery option, Deliver to Me (via courier) or
Collect from an FNB Branch / Suite.

Deliver to Me:

7. Complete your Contact Details in the fields provided.

8. Click on Continue.
9. A confirmation page will be displayed.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. Before you can continue you will be required to acknowledge the disclaimer regarding the courier
fee.
12. Click on Confirm.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.

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Collect from a Branch / Suite:

7. Enter any part of the Branch Name and then click on Search.
8. A list of possible matches will be displayed; click on the respective name to select it.
9. Click on Continue.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. Click on Confirm.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.

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6.23 Online Secure

Online Secure is a unique service offered by both Visa (via Verified by Visa) and MasterCard (via
SecureCode) which uses a One-Time PIN (OTP) to protect cardholders against unauthorised use of their
bank card when making online purchases.

Once activated, the Visa or MasterCard Card number cannot be used for online purchases at participating
merchants without a One-Time PIN (OTP).

Most major online merchants participate in the Online Secure programme and therefore require their clients
to activate the Online Secure functionality on their cards before making online purchases.

View Online Secure Information and Frequently asked Questions

1. Click on the My Bank Accounts tab and select the My Cards sub-tab.
2. A list of the cards linked to your Online Banking profile will be displayed.
3. Scroll down to the bottom of the page and, after the Online Secure paragraph, click on the View
More Information hyperlink

Important Information about Online Secure

This functionality is restricted to Consumer clients.

The following Online Secure functionality is available:

• Activate Online Secure
• Update Online Secure Details
• Unblock Card for Online Secure

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6.23.1 Activate Online Secure

Online Secure is activated automatically on your RMB Card each time you receive a new, re-issue or
replacement card.

6.23.2 Maintain Online Secure Details

If you need to amend the cellphone number for your Online Secure OTP delivery, this can be done via the
Banking App.

Update Online Secure OTP Details via the Banking App.

1. Log in to your Banking App.

2. Select Accounts.
3. On the Accounts Landing Page, select the respective account.
4. Select Account Options from the toggle bar.
5. Select My Cards.
6. Select the respective card.
7. Select Update Online Secure.
8. The cellphone number currently being utilised for your Online secure OTP delivery will be displayed.
9. Edit this number as required.
10. Select Confirm.
11. Read and Accept the Disclaimer .
12. Select Finish to complete the process.

6.23.3 Unblock Card for Online Secure

A card will be blocked if the Online Secure OTP has been entered incorrectly three times within an online
shopping session.

If you need to unblock your card for Online Secure use, please contact the number on the back of your card.

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6.24 Maintain Card Limits

Use this function to manage your daily and monthly Cheque and Credit Card limits online.

Important Information about Maintaining Card Limits

This functionality is restricted to the Primary User of a Consumer profile.

Maintain Card Limits

1. Click on the My Bank Accounts tab and select the My Cards sub-tab.
2. A list of the cards linked to your Online Banking profile will be displayed.
3. Click on the Limits easy button for the respective card.
4. The Update Limits capture page will be displayed; it is divided into Local and International Limits.
5. Amend the respective limits as required.
6. Click on Update.
7. A confirmation page will be displayed.
8. Check that this information is correct and, if necessary, click on Edit to make amendments.
9. Click on Confirm.
10. A results page will display the status of your request.
11. Click on Finish to complete the process.

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6.25 PIN Management

The PIN Management functionality is available to Cheque, Debit, Credit and Petro cards which use a
magnetic strip or a Chip and PIN.

6.25.1 View PIN

Use this function to view the current PIN for a Chip and PIN card that is linked to your profile.

View PIN

1. Click on the My Bank Accounts tab and select the My Cards sub-tab.
2. A list of the cards linked to your Online Banking profile will be displayed.
3. Click on the View PIN easy button for the respective card.
4. The current PIN for the selected card will be displayed.
5. Please read the Safety Tips on how to keep your PIN safe.
6. Click on Close to return to the My Cards page.

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6.25.2 Create / Modify PIN

Use this function to create or modify the PIN for a Chip and PIN card that is linked to your profile.

Important Information about Creating or Modifying your PIN

• This functionality is restricted to Consumer clients.

• Once you have changed the PIN on Online Banking, the new PIN needs to be
synchronized with the respective card. This can be done via an ATM or at a
branch.

Create or Modify PIN

1. Click on the My Bank Accounts tab and select the My Cards sub-tab.
2. A list of the cards linked to your Online Banking profile will be displayed.
3. Click on the Create PIN easy button for the respective card.
4. Before you can continue you will be required to read and accept the Terms and Conditions; please
take note of the process to synchronise your new PIN with your card.
5. Click on Confirm.
6. A results page will display the status of your request.

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6.26 Cancel Card

Use this function to cancel a card which is linked to your profile.

Cheque Cards: Credit Cards:

• Account Closed • Damaged Card

• Lost Card • Misplaced Card
• Stolen Card • Lost or Stolen Card

Important Information about Cancelling Cards

• If you are cancelling a Credit Card and you select the reason as Lost or
Stolen, you will be required to complete a brief online Incident Report
as part of the process.

o The following information is required:

o Date and Time of incident
o Where the incident took place
o Date the card was last used
o Where the card was last used
o

Cancel a Card

1. Click on the My Bank Accounts tab and select the My Cards sub-tab.
2. A list of the cards linked to your Online Banking profile will be displayed.
3. Click on the Cancel card easy button for the respective card.
4. The Cancel Card slide out will be displayed.
5. Please select the reason for cancelling the card from the drop-down menu; if you are cancelling a
Credit Card because it has been lost or stolen you will be required to complete a brief Incident
Report.
6. Click on Cancel Card.
7. A confirmation page will be displayed.
8. Check that this information is correct and, if necessary, click on Edit to make amendments.
9. Click on Confirm.
10. A results page will display the status of your request.
11. If you would like to order a Replacement Card, click on the Replace Card option; alternatively click
on Finish to complete the process.

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6.27 Order Replacement Card

Use this function to order a Replacement Cheque or Credit Card online if you have cancelled your card.

This functionality can only be utilised for cards that are personalised i.e. your name is embossed on the
card.

Important Information about Ordering a Replacement Card

• This functionality is restricted to Consumer clients.

• This functionality is limited to cards that are personalised i.e. your name is
embossed on the card.

For your security, the delivery options available for certain product/card types are
restricted; you will only be presented with the options applicable to the respective
product/card type.

• A fee may apply for personal delivery; please refer to the pricing guide.
• The order process takes approximately 5 business days.

Order a Replacement Cheque Card

1. Click on the My Bank Accounts tab and select the My Cards sub-tab.
2. A list of the cards linked to your Online Banking profile will be displayed.
3. Click on the menu and select the Replace Card > Cheque Card / Credit Card option.
4. A list of the accounts linked to your profile which have cards will be displayed.
5. Click on the Account Name to select the respective account.
6. The Replace Card capture page will be displayed.
7. If there is more than one card linked to the selected account, you will be required to select the Card
Type from the drop-down menu.
8. Based on the Product and Card type you will need to complete the required Card Delivery Details.
9. Click on Continue.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. Click on Confirm.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.

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Online Banking User Guide RMB Private Bank 277
6.28 Order Additional Card

Use this function to order secondary cards on the credit card/s that are linked to your profile.

Important Information about Ordering an Additional Card

• This functionality is restricted to Consumer clients.

• This functionality is limited to cards that are personalised i.e. your name is
embossed on the card.

• Additional cards share the Primary User’s credit limit; no separate limits are
allocated.

For your security, the delivery options available for certain product/card types are
restricted; you will only be presented with the options applicable to the respective
product/card type.

• A fee may apply for personal delivery; please refer to the pricing guide.
• The order process takes approximately 5 business days.

• You will require Secondary Card Holder’s ID number to complete this

process.

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Order an Additional Card

1. Click on the My Bank Accounts tab and select the My Cards sub-tab.
2. A list of the cards linked to your Online Banking profile will be displayed.
3. Click on the menu and select the Additional Card option.
4. A list of card accounts linked to your profile will be displayed.
5. Click on the Account Name to select the respective account.
6. The Additional Cards capture page will be displayed.
7. Select the Card Type that you would like to link.
8. Complete the Personal Details of the person that the card is for (Card Holder).
9. Complete your Contact Details.
10. Based on the Product and Card type you will need to complete the required Card Delivery Details.
11. If applicable to the selected product, click on Select to choose a preferred Card Design, click on
Change to select the respective design.
12. Before you can continue you will be required to read and accept the Disclaimer.
13. Click on Continue.
14. A confirmation page will be displayed.
15. Check that this information is correct and, if necessary, click on Edit to make amendments.
16. Click on Confirm.
17. A results page will display the status of your request.
18. Click on Finish to complete the process.

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6.29 Manage Linked Accounts

If you are a consumer client, you can use this function to manage which of your accounts are linked to your
Debit Card, without having to go into a branch.

Linking an account to a card will enable you to access that account via the ATM using a single card.

The following functionality is available:

• View Linked Accounts

• Link Accounts
• De-Link Accounts

Important Information about Managing Linked Accounts

• This functionality is restricted to the Primary User (Profile Owner) of a

Consumer profile.
• You can only link/delink accounts on your primary transactional card.
• The Primary Account can not be de-linked from the card.
• In addition to the Primary Account which is linked to the respective card, you
can link a maximum of 19 accounts.
o 1 Primary Account
o 19 Secondary Accounts

6.29.1 View Linked Accounts

Use this function to view which accounts are linked to your Debit Card.

View Linked Accounts

1. Click on the My Bank Accounts tab and select the My Cards sub-tab.
2. A list of the cards linked to your Online Banking profile will be displayed.
3. Click on the Manage easy button for the respective card.
4. All qualifying transactional accounts will be displayed together with their linked status; i.e. Linked
Accounts and Accounts Not Linked.

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6.29.2 Link Accounts

Use this function to link your transactional accounts to your Debit Card.

Important Information about Linking Accounts

• This functionality is restricted to the Primary User (Profile Owner) of a

Consumer profile.
• You can only link accounts to your primary transactional card.
• In addition to the Primary Account which is linked to the respective card, you
can link a maximum of 19 accounts.
o 1 Primary Account
o 19 Secondary Accounts

Link Accounts to Card

1. Click on the My Bank Accounts tab and select the My Cards sub-tab.
2. A list of the cards linked to your Online Banking profile will be displayed.
3. Click on the Manage easy button for the respective card.
4. All qualifying transactional accounts will be displayed together with their linked status; i.e. Linked
Accounts and Accounts Not Linked.
5. Click in the checkbox/es of the respective accounts that you would like to link to this card.
6. Click on Continue.
7. A confirmation page will be displayed.
8. Check that this information is correct and, if necessary, click on Edit to make amendments.
9. Click on Confirm.
10. A results page will display the status of your request.
11. Click on Finish to complete the process.

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6.29.3 De-Link Accounts

Use this function to de-link a secondary transactional account from your Debit Card.

Important Information about De-Linking Accounts

• This functionality is restricted to the Primary User (Profile Owner) of a

Consumer profile.
• The Primary Account can not be de-linked from the card.

De-Link Accounts from Card

1. Click on the My Bank Accounts tab and select the My Cards sub-tab.
2. A list of the cards linked to your Online Banking profile will be displayed.
3. Click on the Manage easy button for the respective card.
4. All qualifying transactional accounts will be displayed together with their linked status; i.e. Linked
Accounts and Accounts Not Linked.
5. Click in the checkbox/es of the respective accounts that you would like to de-link from this card.
6. Click on Continue.
7. A confirmation page will be displayed.
8. Check that this information is correct and, if necessary, click on Edit to make amendments.
9. Click on Confirm.
10. A results page will display the status of your request.
11. Click on Finish to complete the process.

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 7. Transfer Tab

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 7.1 Transfers Tab Overview

The Transfer function enables you to transfer funds between the accounts linked to your profile, including
your Global Accounts.

To move funds to a Recipient / third party account you will need to use the Pay functionality.

To transfer funds to your PayPal account please utilise PayPal Services which is located on the Forex tab.

Important Information about Transfers

• Transfer functionality can be performed by both the Primary and Secondary

User, if the Primary User has allocated Transact Permissions to the
Secondary User.
• For your security, there is a Daily Limit for Transfers.
• Transfers can be future dated to take place within the next 365 days.

o A future dated transfer will be stored with your Scheduled Transfers

until it has been processed.
o A future dated transfer can be modified until 18h00 two business
days prior to the scheduled transfer date.

• Transfers may take up to 24 hours to reflect in your account.

• Transfer functionality is dependent on the account/product type.

• You cannot transfer funds to your eBucks account.

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7.1.1 Transfer Functionality

The Transfer Tab is divided into two sub-tabs:

1. Between Accounts
2. Scheduled Transfers

The following functionality is available on the Between Accounts sub-tab:

• Transfer Funds Between Accounts

o Transfer funds between the accounts linked to your profile.

• Transfer Funds to Budget

o Transfer funds to a specific budget item or across all budget items on your Credit Card/s

• Transfer History
o View and search your Transfer History

• Loan Account Transfers

o Transfer funds into or out of your Loan Account

• Unit Trust Transfers

o Transfer funds into or out of your existing Unit Trust account

The following functionality is available on the Scheduled Transfers sub-tab:

• Scheduled Transfers
o Create and maintain transfers that will take place automatically on a specified date without
you having to log in to Online Banking.

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Between Accounts Sub Tab

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7.2 Transfer Funds Between Accounts

Use this function to transfer funds between the accounts that are linked to your profile.

Please note that the process to transfer funds to or from your Global Accounts is a separate function and is
detailed later in this chapter.

Important Information about Transfers

• Transfers can be future dated to take place within the next 365 days.

o A future dated transfer will be stored with your Scheduled Transfers

until it has been processed.
o The details of a future dated transfer can be modified until 18h00 two
business days prior to the scheduled transfer date.

• Transfers submitted after 20h00 will take up to 12 hours to reflect.

• Transfer functionality is dependent on the account/product type.

• You cannot transfer funds to your eBucks account.

Transfer Funds Between Accounts

1. Click on the Transfer tab.
2. If it is not already selected, click on the Between Accounts sub-tab.
3. The Transfer Between Accounts capture page will be displayed.
4. Select the account that you would like to transfer the funds From e.g. cheque account.
5. Select the account that you would like to transfer the funds To e.g. savings account.
6. Enter the Amount that you would like to transfer.
7. Select the date that you would like the transfer to take place; a transfer can be future dated up to
365 days in advance.
8. Enter the From Reference; this is the reference that you would like to appear on the account that
you are transferring the funds from e.g. Transfer to savings.
9. Enter the To Reference; this is the reference that you would like to appear on the account that you
are transferring the funds to e.g. Holiday.
10. Click on Transfer.
11. A confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. Click Confirm to proceed.

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 14. A results page will display the status of your request.
15. Click on Finish to complete the process.

7.3 Transfer Funds to Budget

Use this function to transfer funds to the budget facility on your credit card; either to a specific transaction or
across all budget transactions.

Important Information about Transferring Funds to Budget

• If you do not select a budget item to which you want to transfer the funds, the
funds will be distributed across all budget items.
• If you choose to distribute the funds, the funds will be allocated from the
oldest to most recent purchase.

Transfer Funds to Budget

1. Click on the Transfer Tab.
2. If it is not already selected, click on the Between Accounts sub-tab.
3. Click on the Menu and select Funds to Budget in the extended menu.
4. The Funds to Budget capture page will be displayed
5. Select the account that you would like to transfer the funds From e.g. cheque account.
6. Select the credit card account that you would like to transfer the funds To.
7. Enter the From Reference; this is the reference that you would like to appear on the account that
you are transferring the funds from e.g. Transfer to Budget.
8. Enter the To Reference; this is the reference that that you would like to appear on the account that
you are transferring the funds to e.g. Bonus.
9. Enter the Amount that you would like to transfer.
10. A list of your budget items will be displayed.
11. Click in the respective checkbox to select a specific budget item, alternatively, click in the checkbox
to Transfer funds across all budget items.
12. Click on Transfer.
13. A confirmation page will be displayed.
14. Check that this information is correct and, if necessary, click on Edit to make amendments.
15. Click Confirm to proceed.
16. The results page will be displayed.
17. Click on Finish to complete the process.

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7.4 Transfer History

Use this function to view and search a history of the transfers that you have made between the accounts on
your profile.

7.4.1 View Transfer History

Use this function to view the transfers that you have made between the accounts on your profile.

View Transfer History

1. Click on the Transfer Tab.

2. If it is not already selected, click on the Between Accounts sub-tab.
3. Click on the Menu and select Transfer History in the extended menu.
4. All transfers that have taken place between the accounts linked to your profile will be displayed on
the Transfer History page.
5. Click on the From Account hyperlink to view further details of the transfer.
6. Click Back to return to the Transfer History page.

7.4.2 Search Transfer History

Use this function to search your Transfer History for a specific transfer.

There are two Search Options:

1. Search

o Enter a minimum of two alphanumeric characters in the Search field to search across
multiple pages of Transfer History.
o The Search Table Action does not search the Date column; if you would like to search for a
transaction by date, please use the Advanced Search function.

2. Advanced Search

o The Advanced Search enables you to refine your search by:

o Type of Transaction
o Originating Account
o Date Range
o Amount Range

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Search Transfer History

1. Click on the Transfer Tab.

2. If it is not already selected, click on the Between Accounts sub-tab.
3. Click on the Menu and select Transfer History in the extended menu.
4. All transfers that have taken place between the accounts linked to your profile will be displayed on
the Transfer History page.
5. Click on the Search button in your table actions.
6. Enter a minimum of two alphanumeric characters in the Search field.
7. The results of your search will be displayed.
8. Click on Back to return to the Transfer Between Accounts page.

Perform an Advanced Search of your Transfer History

1. Click on the Transfer Tab.

2. If it is not already selected, click on the Between Accounts sub-tab.
3. Click on the Menu and select Transfer History in the extended menu.
4. All transfers that have taken place between the accounts linked to your profile will be displayed on
the Transfer History page.
5. Click on the Menu and select Advanced Search.
6. The Transaction Search slide out will be displayed.
7. To refine your search, complete as many of the fields as possible.
8. Click on Search.
9. The results of your search will be displayed.
10. Click on Back to return to the Transfer Between Accounts page.

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7.5 Structured Loan Account Transfers

Use this function to transfer funds into (Request Deposit) or out of (Request Withdrawal) a Structured Loan
account.

Important Information about Structured Loan Account Transfers

• Structured Loan Account Transfers are restricted to the Primary User.

• Deposits made before 12h00 South African time on business days are
processed the same day and the balance will be updated the following
working day.
• Deposits made after 12h00 South African time on business days are
processed the following working day and the balance will be updated two
days later.
• Business days exclude weekends and public holidays.

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7.5.1 Structured Loan Account - Request Deposit
Use this function to transfer funds into a Structured Loan Account.

This request will be directed to either the RMB Private Bank Client Service Centre or to your RMB/FNB
Relationship Manager.

Important Information about Structured Loan Account Deposit Requests

• Deposits made before 12h00 South African time on business days are
processed the same day and the balance will be updated the following
working day.
• Deposits made after 12h00 South African time on business days are
processed the following working day and the balance will be updated two
days later.
• Business days exclude weekends and public holidays.

Structured Loan Account - Request Deposit

1. Click on the Transfer Tab.
2. If it is not already selected, click on the Between Accounts sub-tab.
3. Click on the Menu and select Request Deposit in the extended menu.
4. The Request Deposit capture page will be displayed.
5. Select the account that you would like to transfer the funds To (Deposit To) e.g. Mortgage
Redemption.
6. Select the account that you would like to transfer the funds From (Withdraw From) e.g. Cheque
Account.
7. Enter the Amount that you would like to transfer (Deposit).
8. Click on Continue.
9. A confirmation page will be displayed.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. Click Confirm to proceed.
12. The results page will be displayed.
13. Click on Finish to complete the process.

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7.5.2 Structured Loan Account - Request Withdrawal
Use this function to withdraw funds from your Loan Account.

This request will be directed to either the RMB Private Bank Client Service Centre or to your RMB/FNB
Relationship Manager.

Important Information about Structured Loan Account Deposit Requests

• Withdrawal made before 12h00 South African time on business days are
processed the same day and the balance will be updated the following
working day.
• Withdrawals made after 12h00 South African time on business days are
processed the following working day and the balance will be updated two
days later.
• Business days exclude weekends and public holidays.

Structured Loan Account - Request Withdrawal

1. Click on the Transfer Tab.
2. If it is not already selected, click on the Between Accounts sub-tab.
3. Click on the Menu and select Request Withdrawal in the extended menu.
4. The Request Withdrawal capture page will be displayed.
5. Select the account that you would like to transfer the funds From (Withdraw From) e.g. Mortgage
Redemption.
6. Select the account that you would like to transfer the funds To (Deposit To) e.g. Cheque account.
7. Enter the Amount that you would like to transfer (Withdraw).
8. Click on Continue.
9. A confirmation page will be displayed.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. Click Confirm to proceed.
12. The results page will be displayed.
13. Click on Finish to complete the process.

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7.6 Unit Trust Transfers

Use this function to transfer funds into (Lump Sum Transfer) or out of (Disinvest Funds) your existing Unit
Trust account.

You can also set up Scheduled Transfers into your Unit Trust account.

7.6.1 Lump Sum Transfers

Use this function to transfer funds into your Unit Trust account.

Important Information about Lump Sum Transfers

• You cannot transfer funds from a Credit Card account to a Unit Trust account.
• The minimum amount for a Lump Sum Transfer is R500.00.
• A Lump Sum Contribution before 13h00 on a business day will purchase units
at the closing Unit Price of that business day.
• A Lump Sum Contribution after 13h00 or, on a non-business day, will
purchase units at the closing Unit Price of the following business day.
• Funds will reflect in the Unit Trust account within two business days.

Lump Sum Transfer into a Unit Trust Account

1. Click on the Transfer Tab.
2. If it is not already selected, click on the Between Accounts sub-tab.
3. Click on the Menu and select Lump Sum Transfer in the extended menu.
4. The Lump Sum Transfer capture page will be displayed.
5. Select the account that you would like to transfer the funds From e.g. Cheque account.
6. Select the Unit Trust account that you would like to transfer the funds To e.g. FNB Growth Fund.
7. Enter the Amount that you would like to transfer.
8. Enter the From Reference; this is the reference that you would like to appear on the account that
you are transferring the funds from e.g. Unit Trust Savings.
9. Click on Transfer.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. Click Confirm to proceed.
13. The results page will be displayed.
14. Click on Finish to complete the process.

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7.6.2 Disinvest Funds
Use this function to transfer funds out of your Unit Trust account.

Important Information about Disinvesting Funds from a Unit Trust Account

• The Disinvestment value can be up to 90% of the available balance or the full
available balance in the Unit Trust account.
• Disinvestment before 13h00 on a business day will sell units at the closing
Unit Price of that business day.
• Disinvestment after 13h00 or, on a non-business day, will sell units at the
closing Unit Price of the following business day.
• Business days exclude weekends and public holidays.
• Funds will reflect in the specified account within two business days.

Disinvest Funds from a Unit Trust Account

1. Click on the Transfer Tab.
2. If it is not already selected, click on the Between Accounts sub-tab.
3. Click on the Menu and select Disinvest Funds in the extended menu.
4. The Disinvest Funds capture page will be displayed.
5. Select the Unit Trust account that you would like to transfer the funds From e.g. FNB Growth Fund.
6. Select the account that you would like to transfer the funds To e.g. Cheque Account.
7. Enter the Amount that you would like to transfer.
8. Enter the From Reference; this is the reference that you would like to appear on the account that
you are transferring the funds from e.g. Holiday.
9. Select Yes to Disinvest All Funds or No to only disinvest a specified amount.

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Yes - Disinvest All Funds (Sell all Unit Trusts)

1. Complete steps 1 to 9 of the general Disinvest Funds process above.

2. Click on Disinvest.
3. A confirmation page will be displayed.
4. Check that this information is correct and, if necessary, click on Edit to make amendments.
5. Click Confirm to proceed.
6. The results page will be displayed.
7. Click on Finish to complete the process.

No - Disinvest All Funds (Select a value or amount of Unit Trusts to sell)

1. Complete steps 1 to 9 of the general Disinvest Funds process above.

2. Select how you would like to disinvest, by Amount (Rand Value) or Units (Specified Number of Unit
Trusts).
3. Based on your selection, enter either the Rand Value or the Number of Units to transfer.
4. Click Disinvest.
5. A confirmation page will be displayed.
6. Check that this information is correct and, if necessary, click on Edit to make amendments.
7. Click Confirm to proceed.
8. The results page will be displayed.
9. Click on Finish to complete the process.

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Scheduled Transfers Sub-
Tab

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7.7 Scheduled Transfers Overview

Use this function to create and maintain Scheduled Transfers.

A Scheduled Transfer is a transfer that you set up to take place on a specific date; this can be a once-off
transfer or a recurring transfer with or without an expiry date.

Once the Scheduled Transfer has been saved, the transfer will be processed automatically on the date/s
that you have requested without you having to log in to Online Banking.

Important Information about Scheduled Transfers

• To set up automatic monthly payments to a Credit Card account please avail

of the Auto Payment functionality in the Account Settings menu.
• To allow sufficient time for the changes to be updated, amendments or
deletions of a Scheduled Transfer must be submitted before 18h00 a
minimum of two business days prior to the specified transaction date.

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7.7.1 Create a Scheduled Transfer

Use this function to create a once-off or recurring transfer to take place on a specified date.

You can schedule a transfer up to 365 days in advance and can set an expiry date or leave it as an open-
ended transfer.

Create a Scheduled Transfer

1. Click on the Transfer tab and select the Scheduled Transfer sub-tab.
2. If you have existing Scheduled Transfers these will be displayed.
3. Click on the Add Scheduled Payment button (+) in the table actions.
4. The Create Scheduled Transfer capture page will be displayed.
5. Select the account that you would like to transfer the funds From e.g. Cheque account.
6. Select the account that you would like to transfer the funds To e.g. Savings account.
7. Enter the Amount that you would like to transfer.
8. Enter the From Reference; this is the reference that you would like to appear on the account that
you are transferring the funds from e.g. Cheque Savings.
9. Enter the To Reference; this is the reference that that you would like to appear on the account that
you are transferring the funds to e.g. Savings.
10. Enter a Transfer Name for this Scheduled Transfer e.g. Savings.
11. Select the Start Date for the Scheduled Transfer; a transfer can be future dated up to 365 days in
advance.
12. Select the Frequency of the transfer from the drop-down menu.
13. Enter the End Date for the transfer; you can select to end it on a specific date, after a specific
number of transfers or to leave it open ended.
14. Click on Add.
15. A confirmation page will be displayed.
16. Check that this information is correct and, if necessary, click on Edit to make amendments.
17. Click Confirm to proceed.
18. The results page will be displayed.
19. Click on Finish to complete the process.

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7.7.2 View Scheduled Transfers
Use this function to view your existing Scheduled Transfers.

The following information is available at a single glance:

• Transfer Name
• Transfer Amount
• Next Transfer Date
• Remaining Number of Transfers
• Frequency

View Scheduled Transfers

1. Click on the Transfer tab and select the Scheduled Transfer sub-tab.
2. Your existing Scheduled Transfers will be displayed.
3. Click on the View easy button of the respective Scheduled Transfer to see the details.
4. Click on Back to return to your list of Scheduled Transfers.

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7.7.3 Maintain a Scheduled Transfer

Use this function to maintain the details of a Scheduled Transfer.

The following information can be maintained:

• To and From Accounts

• Transfer Amount
• Statement References
• Transfer Name
• Transfer Date
• Frequency

Important Information about Maintaining Scheduled Transfers

• To allow sufficient time for the changes to be updated, amendments to a

Scheduled Transfer must be submitted before 18h00 a minimum of two
business days prior to the specified transaction date.
o

Maintain a Scheduled Transfer

1. Click on the Transfer tab and select the Scheduled Transfer sub-tab.
2. Your existing Scheduled Transfers will be displayed.
3. Click on the Maintain easy button of the Scheduled Transfer that you would like to amend.
4. The Modify Scheduled Transfer capture page will be displayed.
5. Make the amendments that you require and then click Update.
6. A confirmation page will be displayed.
7. Check that this information is correct and, if necessary, click on Edit to make amendments.
8. Click Confirm to proceed.
9. The results page will be displayed.
10. Click on Finish to complete the process.

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7.7.4 Delete a Scheduled Transfer

Use this function to permanently delete a Scheduled Transfer.

Important Information about Deleting Scheduled Transfers

• To allow sufficient time for the changes to be updated, the deletion of a

Scheduled Transfer must be submitted before 18h00 a minimum of two
business days prior to the specified transaction date.

Delete a Scheduled Transfer

1. Click on the Transfer tab and select the Scheduled Transfer sub-tab.
2. Your existing Scheduled Transfers will be displayed.
3. Click on the Delete easy button of the Scheduled Transfer that you would like to permanently delete.
4. A confirmation page will be displayed.
5. Check that this is the Scheduled Transfer that you would like to delete and, if necessary, click on
Cancel to return to your list of Scheduled Transfers.
6. Click Confirm to proceed.
7. The results page will be displayed.
8. Click on Finish to complete the process.

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 8. Pay Tab

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8.1 Pay Tab Overview

Use the Payments functionality to make payments to your recipients and other third parties, produce
payment notifications as proof of payment, view your payment history and manage your recipient list.

To make use of PayPal as a payment mechanism or to make foreign currency payments please utilise the
PayPal Services and Global Payments functionality respectively which are located on the Forex tab.

Important Information about Payments

• Payment functionality is dependent on the account/product type.

• Payment functionality can be performed by both the Primary and Secondary
User, if the Primary User has allocated Transact Permissions to the
Secondary User.
• For your security, there is a Daily Limit for Payment transactions; please
refer to the chapter on Online Banking Settings for further information.
• Payments can be future dated to take place within the next 365 days.

o A future dated payment will be stored with your Scheduled

Payments until it has been processed.
o To allow sufficient time for the changes to be updated, amendments
or deletions of a Scheduled Payment must be submitted before
18h00 a minimum of two business days prior to the specified
transaction date.
o If the transaction date falls on a Sunday or public holiday, the
payment will only be processed on the next business day.

• If you have submitted a payment incorrectly, please follow the Payment

Reversal Process to have the transaction reversed. This is detailed in the
Payment Reversal chapter in this section.
• Please familiarise yourself with the general Business Rules for Payments
which are detailed in a separate chapter in this section. Important notes or
rules that only pertain to a specific function are detailed in the respective
section.

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8.1.1 Payment Functionality

There are numerous payment options available on Online Banking; each of these options has its own sub-
tab:

• Payments
o My Recipients
o My Bills
• Once-Off Payments
• Pending Payments
• Scheduled Payments
• Traffic Fines
• eFiling Payments

The functionality available for each of these sub-tabs is detailed in the respective chapters below.

8.1.2 Payment Service Types

Pay & Clear Now is a fee based service which ensures that a payment from FNB/RMB to a Participating
Bank is cleared within 60 minutes.

The Pay & Clear Now option is displayed on all pages where payment transactions can be processed.

Unless you have selected the Pay & Clear Now option as a service type, payment transactions will be
processed as per the standard Payment Cut-Off Times.
Please refer to the Business Rules for Payments chapter for further information regarding Participating
Banks and Payment Cut-Off Times.

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8.2 Business Rules for Payment Transactions

It is imperative that you familiarise yourself with the Business Rules for Payment Transactions.

Important notes or rules that only pertain to a specific payment function are detailed in the respective
section.

The following rules are explained:

• Daily Profile Limits
• Cross-Border Payments within the Common Monetary Area (CMA)
• Pay & Clear Now
• Participating Banks - Pay & Clear Now
• eFiling and Payment Cut-Off Times
• Payment Processing Times
• Payment Clearing Times
• Alpha Numeric Character Rules / Payment and Reference Names

8.2.1 Daily Profile Limits

For your security, Daily Limits apply accumulatively to all financial transactions processed via your Digital
Banking Profile; i.e. your Banking App, Cellphone Banking profile and Online Banking profile. If you submit
a payment via the Banking App, your remaining Payments Limit for Cellphone Banking and Online Banking
will be adjusted accordingly.

A Daily Profile Limit is made up of the following transaction limits:

• Transfers
o Own Account Transfers
o Linked Account Transfers

• Payments
o Payments made to your recipients and to other third parties
o Pay & Clear Now
▪ Payments processed via the Pay & Clear Now service.
▪ The Pay & Clear Now limit forms part of your Payments limit and may therefore not
exceed your Maximum Payments Limit.

• Prepaid
o Prepaid Purchases (Airtime, Data, DStv etc)
o Gaming Purchases (LOTTO and PowerBall)

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 • Send Money
o Payments made to a recipient’s cellphone number

The Maximum Daily Limit for the following payment types are pre-set and can not be increased:
• Pay & Clear Now payment transactions
• Prepaid Services and Gaming Transactions (LOTTO and PowerBall)
• Send Money transactions

All transactions performed by the Secondary Users on your profile accumulate towards your respective
Daily Profile Limits.

To amend your Daily Payment Limit for Online Banking please utilise the Daily Profile Limits functionality
which is available in the Table Actions on all payment tabs and in your Online Banking Settings. Changes
to your limits can be set Temporarily or Permanently.

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8.2.2 Cross-Border Transactions within the Common Monetary Area
(CMA)
Important Changes:
Due to regulatory requirements, payments between the Common Monetary Area, (South Africa, eSwatini,
Lesotho and Namibia) via the EFT Payment Service will soon be discontinued; these payments will need to
be initiated as Global Payments via Forex.

To enable the necessary regulatory and compliance reporting to take place, all payments between the
Common Monetary Area countries must be processed via the appropriate channels.

Payments that are ≥ ZAR 5 million, or that are destined for non-participating CMA banks, must be processed
as a Global Payment via the Forex Tab.

Payments that are < ZAR 5 million, and are destined for CMA participating banks, can still be processed as
usual via online capture, or file import on the Payments Tab.

Some banks within the CMA elected not to participate in cross border EFT payments due to the FATF 16
requirements. Their clients will not be able to initiate or receive EFT cross border payments.

CMA Country’s Payment Limit:

CMA Country Their Payment Limit

eSwatini SZL 100 thousand
Lesotho LSL 100 thousand
Namibia NAD 5 million
South Africa ZAR 5 million
Note: This is the maximum cross-border amount that the respective country can pay, not receive.

CMA Participating Banks:

CMA Participating Bank Availability

FirstRand Bank - FNB/FNB In all CMA Countries
Standard Bank In all CMA Countries
Nedbank In all CMA Countries
Bank Windhoek In Namibia only
ABSA In South Africa only
HSBC In South Africa only - (Receiving EFT Payments only)

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8.2.3 Pay & Clear Now

Pay & Clear Now is a fee-based service which ensures that a payment from FNB to a participating bank is
cleared within 60 minutes.

You do not need to use this option to pay FNB or FNB Private Bank accounts as these transactions will
automatically be processed on the same business day at no additional cost.

Business Rules:
As specified by the Payments Association of South Africa (PASA), the maximum limits for Pay & Clear
Now transactions are:

Day Time Limit

Monday - Friday 00h01 - 16h00 R5,000,000
Monday - Friday 16h01 - 00h00 R250,000
Saturday All Day R250,000
Sunday & Public Holidays All Day R250,000

* The maximum payment limits stated above serve only as a guideline for payments made via the Online
Banking channel; for your security, the Payment Limits on your profile may be less than the maximum limit.

Should you require these limits to be increased, please contact Digital Banking Support or your Personal
Banker.

8.2.4 Participating Banks - Pay & Clear Now

Pay & Clear Now payment transactions can only be made to Participating Banks.

When processing a payment via Digital Banking, the Pay & Clear Now option will only be active if the
recipient’s bank is a participating bank.

Important Information:
• Pay & Clear Now payment transactions can only be made to Participating Banks.
• Participating Banks are subject to change.
• Terms and Conditions Apply.

Please refer to the table below for a list of Participating Banks

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 »
Important Information:
• Pay & Clear Now payment transactions can only be made to Participating Banks.

Bank Name Branch Range BIC / SWIFT Accept Pay and Clear
Code Now transactions
< ZAR5 million (Y/N)
ABSA Bank 300000 - 349999 ABSAZAJJ Y
420000 - 429999
500000 - 569999
630000 - 659999
African Bank 430000 - 430999 AFRCZAJJ Y
Albaraka Bank 800000 - 800999 ALBRZAJJ Y
Bank Zero Mutual Bank 888000 - 888999 ZERMZAJJ Y
Bidvest Bank 462000 - 462999 BIDBZAJJ Y
BNP Paribas 688000 - 688999 BNPAZAJJ Y
Capitec Bank 470000 - 470999 CABLZAJJ Y
Capitec Business 450000 – 459999 CABLZAJJ Y
Citibank N.A. 350000 - 350999 CITIZAJX Y
Discovery Bank 679000 - 679999 DISCZAJJ Y
FinBond Mutual Bank 589000 - 589999 FBMBZAJJ Y
FirstRand Bank 200000 - 299999 FIRNZAJJ Y
Grindrod Bank 584000 - 584999 GRIDZAJJ Y
Habib Overseas Bank 700000 - 709999 HOBLZAJJ N
HBZ Bank 570000 - 570999 HBZHZAJJ Y
HSBC Bank PLC - Johannesburg 587000 - 587999 HSBCZAJJ Y
Branch
Investec Bank 580000 - 580999 IVESZAJJ Y
Ithala (ABSA) 750000 - 759999 ABSAZAJJ N
JP Morgan Chase Bank 432000 - 432999 MGTCZAJJ Y
MTN Banking (Standard Bank) 490000 - 490999 SBZAZAJJ Y
Nedbank Corporate Saver 720000 - 729999 NEDSZAJJ N
Nedbank Incorp. FBC 780000 - 789999 N
Nedbank Limited 100000 - 199999 NEDSZAJJ Y
Nedbank Ltd Inc. BoE Bank 440000 - 449999 NEDSZAJJ Y
Nedbank Ltd Inc. Pep Bank 400000 - 400999 NEDSZAJJ Y
Olympus Mobile 585000 - 585999 ABSAZAJJ N/A
Peoples Mortgage Limited 760000 - 769999 NEDSZAJJ N
Postbank a Division of the S.A. Post 460000 - 460999 SBZAZAJJ Y
Office (SAPO)
S.A. Reserve Bank 900000 - 980171 SARBZAJP Y
980173 - 999999
S.A. Banks of Athens 410000 - 419999 BATHZAJJ Y
SASFIN Bank Ltd 683000 - 683999 SASFZAJJ Y
Society General None SOGEZAJJ Y
Standard Bank S.A. 000000 - 005971 SBZAZAJJ Y
005973 - 060066
063968 - 080070
087374 - 099999
Standard Chartered Bank 730000 - 730999 SCBLZAJJ Y
State Bank of India 801000 - 801999 SBINZAJJ Y
TymeBank Ltd 678000 - 678999 CBZAZAJJ Y
Ubank Ltd 431000 - 431999 YOUBZAJJ Y
Unibank 790000 - 799999 ABSAZAJJ Y
VBS Mutual Bank 588000 - 588999 ABSAZAJJ Y

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8.2.5 eFiling and Payment Cut-Off Times

The EFT and Pay & Clear Now payment services are available 24/7/365, however please note the following:

Payment Submission Cut-Off Times

• EFT Payments: Anytime

EFT (Electronic
• EFT Payments submitted after the cut-off times below will be processed on the next
Funds Transfer)
Payments business day.

Pay & Clear Now

• In accordance with the limits and cut-off times below.
Payments

Day Cut-Off Time

• 20h00
Monday to Saturday
• The eFiling service is not available from 20h00 until
(Business Days)
eFiling Payments the following Business Day.
• N/A
Sunday & Public Holidays • The eFiling service is not available on Sundays and
Public Holidays.

Payment Processing Cut-Off Times and Limits

The maximum EFT Payment Limit is R5,000,000.
Day Recipient Bank Cut-Off Time
FNB/RMB 20h00
EFT (Electronic Monday to Friday
Other Banks 16h45
Funds Transfer)
FNB/RMB 20h00
Payments Saturday
Other Banks 10h15
Payments to both FNB/RMB and to other banks will only
Sunday & Public Holidays
be submitted for processing on the next business day.

The maximum limits for Pay & Clear Now transactions are:

Day Time Limit

Monday - Friday 00h01 - 16h00 R5,000,000
Monday - Friday 16h01 - 00h00 R250,000
Pay & Clear Now Saturday All Day R250,000
Payments and Sunday & Public All Day R250,000
Participating Holidays
Banks
Participating Banks for EFT payments within South Africa
• When processing a payment via Digital Banking, the Pay & Clear Now option will only
be active if the recipient’s bank is a participating bank.
• Participating Banks are subject to change.
• Terms and Conditions Apply.

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 Important Changes:
Due to regulatory requirements, payments between the Common Monetary Area, (South
Africa, eSwatini, Lesotho and Namibia) via the EFT Payment Service will soon be
discontinued; these payments will need to be initiated as Global Payments via Forex.

To enable the necessary regulatory and compliance reporting to take place, all payments
between the Common Monetary Area countries must be processed via the appropriate
channels:
• Payments that are ≥ ZAR 5 million, or that are destined for non-participating CMA
banks, must be processed as a Global Payment via the Forex Tab.
• Payments that are < ZAR 5 million, and are destined for CMA participating banks,
can still be processed as usual via online capture, or file import on the Payments
Tab.
• Some banks within the CMA elected not to participate in cross border EFT
Cross-Border payments due to the FATF 16 requirements. Their clients will not be able to
Transactions initiate or receive EFT cross border payments.
within the
Common CMA Country Their Payment Limit
Monetary Area eSwatini SZL 100 thousand
(CMA) Lesotho LSL 100 thousand
Namibia NAD 5 million
South Africa ZAR 5 million

Note: This is the maximum cross-border amount that the respective country can pay,
not receive.

CMA Participating Bank Availability

FirstRand Bank - FNB/FNB In all CMA Countries
Standard Bank In all CMA Countries
Nedbank In all CMA Countries
Bank Windhoek In Namibia only
ABSA In South Africa only
HSBC In South Africa only - (Receiving EFT Payments only)

The maximum EFT payment limit and Pay & Clear Now limits stated above serve only
as a guideline for payments made via the Online Banking channel; for your security, the
Payment Limits on your profile may be less than the maximum limit.

Should you require your maximum payment limits to be increased, please contact Digital
Daily Payment Banking Support or your Personal Banker. Kindly note that payment limit increases are
Limits not guaranteed and are subject to the Bank’s discretion.

Daily Limits apply accumulatively to all financial transactions processed via your
Digital Banking Profile, i.e., your Banking App, Cellphone Banking profile and Online
Banking profile. If you submit a payment via the Banking App, your remaining Payments
Limit for Cellphone Banking and Online Banking will be adjusted accordingly.

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Online Banking User Guide RMB Private Bank 313
 Clearing and Posting Times

• Payments made from an FNB/RMB account to an FNB/RMB account may take up to 12

hours to clear.

• Payments made from an FNB/RMB account to other banks may take up to 2 business
Clearing Times days to clear.

• Pay & Clear Now payments may take up to 60 minutes to clear.

For fraud prevention purposes, FNB/RMB reserves the right to delay certain
payments.

• Payments are posted to the recipient’s account within 2 business days.

• The transaction date that will reflect on the recipient’s transaction history will be the date
Time of Posting that the recipient’s bank processed the transaction.

• Pay & Clear Now payments may take up to 60 minutes to reflect in the recipient’s account.

8.2.6 Payment Processing Times

Even if you make a payment to a recipient after business hours, your account balance and available
balance will be reduced immediately by the payment amount.

8.2.7 Alpha Numeric Character Rules / Payment and Reference Names

Only certain characters can be used when capturing a Payment Name, Recipient Reference or Own
Reference.

The following are the only characters which can be used for the Payment Name, Recipient Reference and
Own Reference fields when capturing a Recipient or Payment transaction:

a-z A-Z 0-9 . / - & *, ( ) space < + $ ; > = @ ? : % [ ] \ ^_ ! " #

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8.3 Payment Reversals

If you have submitted an EFT payment incorrectly and the transaction has already been debited from your
account and processed into the recipient's account, follow the Payment Reversal process below to have the
transaction reversed.

Instructions

1. Complete the Payment Reversal Request Form in full.

The Reversal Form can be downloaded from the Help Text.

1. Log in to your Online Banking profile.

2. Click on the hamburger menu on the top left of the page and then select Help.
3. Click on the Reversals Form hyperlink.
4. This document can be downloaded for your ease of use.

2. This form must be completed in full and signed by the account holder/mandated representative.
3. The completed form must be e-mailed to '[email protected]
4. You will receive an automated response with a reference number for the reversal request.
5. If this reference number is not received within 15 (fifteen) minutes, please contact the bank on the
number at the back of your card for further assistance.

Fraud
Where you believe a fraudulent transaction has taken place, the transaction must rather be reported to the
bank's Fraud Department. To proceed with reporting the transaction with the bank's Fraud Department,
contact the bank immediately on 087 575 9444.

Fraud Requirements
You will be required to submit the following information/documentation to the bank's Fraud Department:

• Account number of the complainant

• Suspected fraudulent account details
• SAPS case details
• An Affidavit
• Supporting documents (Proof of Payment)

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Payments Sub-Tab

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8.4 Payments Sub-Tab Overview

The Payments sub-tab enables you to manage your own Recipient List and to make payments to those
beneficiaries.

Important Information about Payments

• Payment functionality is dependent on the account/product type.

• Payment functionality can be performed by both the Primary and Secondary
User, if the Primary User has allocated Transact Permissions to the
Secondary User.
• For your security, there is a Daily Limit for Payment transactions; please
refer to the chapter on Online Banking Settings for further information.
• Payments can be future dated to take place within the next 365 days.

o A future dated payment will be stored with your Scheduled

Payments until it has been processed.
o To allow sufficient time for the changes to be updated, amendments
or deletions of a Scheduled Payment must be submitted before
18h00 a minimum of two business days prior to the specified
transaction date.
o If the transaction date falls on a Sunday or public holiday, the
payment will only be processed on the next business day.

8.4.1 Payments Sub-Tab Functionality

The following functionality is available on the Payments sub-tab:

• Pay Recipient
• Add, Maintain and Delete Recipients
• Recipient Payment History
• Verify Account Owner
• Validate Recipient
• View Public Recipients
• Payment History
• Create, Print and Download Proof of Payment Notifications

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8.4.1.2 Pay Recipient Landing Page

The My Recipients page provides you with an overview of the beneficiaries that you have added to your
Recipient List.

The following information and functionality is available on this page:

• Recipient Category

o For your convenience, your recipients are grouped together by the Recipient Category
that you have selected; this makes it simpler to find a Recipient and/or pay multiple
Recipients from the same Recipient Category simultaneously.
o Recipients that have not been categorised are displayed at the bottom of your Recipient List
in the following order:
o New Recipients
o Recipients Paid in the Last 3 Months
o Older Recipients

• Recipient Name:

o Clicking on the Recipient Name hyperlink will direct you to the Maintain Recipient
functionality.

• Pay Amount:

o This is the amount that you would like to pay the recipient.
o Clicking on the Pay Amount hyperlink will display the Payment History for the respective
recipient.

• Last Paid:

o This is the Date that you last paid the respective recipient.

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 • My Reference:

o This is the Statement Reference that will reflect on your bank statement when you make
a payment to the respective recipient; you can change this reference every time you pay the
recipient.

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 • Their Reference:

o This is the Statement Reference that will appear on the recipient's bank statement. This
could be an account/reference number or a name/description; you can change this
reference every time you pay the recipient.

• Pay & Clear Now:

o Click in the Pay & Clear Now check box if you would like this payment to be cleared within
60 minutes.
o This option is only available for Participating Banks.

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8.5 Pay Recipient

Use this function to pay funds to a beneficiary that is saved on your Recipient List.

You can pay single or multiple recipients from your Recipient List simultaneously and you can also future
date your payment/s up to 365 days in advance.

If you would like to pay a Global Recipient, please make use of the Global Payments facility on the Forex
Tab.

Important Information about Paying Recipients

• The Pay & Clear Now option is not available for payments to Public
Recipients.
• Payments can be future dated to take place within the next 365 days.

o A future dated payment will be stored with your Scheduled

Payments until it has been processed.
o To allow sufficient time for the changes to be updated, amendments
or deletions of a Scheduled Payment must be submitted before
18h00 a minimum of two business days prior to the specified
transaction date.
o If the transaction date falls on a Sunday or public holiday, the
payment will only be processed on the next business day.

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Pay a Recipient
1. Click on the Pay tab.
2. If it is not already selected, click on the Payments sub-tab and select the My Recipients view.
3. Your Recipient List will be displayed.
4. Amend the Pay Amount, My Reference and Their Reference fields for the respective recipient as
required.
5. If the recipient's account is held at a participating bank you will have the option to select the Pay &
Clear Now service type.
6. Repeat this process for all the recipients that you would like to pay.
7. Use the account switcher to select the account that you would like to use to make the payment/s.
8. The Payment Date is defaulted to Today, if you would like to Future Date the payment/s please
use the calendar switcher to select the required date. Note: All the respective recipients will be paid
on the selected date.
9. Click on Pay.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. If you selected to use the Pay & Clear Now service, you will need to select either Yes or No to
confirm your request.
13. Click on Confirm.
14. A results page will display a summary of your payment transactions together with the status of
each request.
15. Click on the respective easy button to Download or Print the Proof of Payment Notification for
the transaction.
16. Click on Finish to complete the process.

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8.6 Add a Recipient

Use this functionality to save the banking details of the beneficiaries that you pay regularly, including
Public Recipients, to your own Recipient List thereby eliminating the need to recapture these details each
time that you need to pay the recipient.

You can also save Payment Notification details for the recipient so that, every time you make a payment to
the recipient, a Payment Notification will automatically be sent to the recipient via the notification method
that you have selected, i.e. email, sms or fax.

You can select any combination of the following types of Payment Notifications per recipient:

• 5 e-mail notifications
• 2 SMS notifications
• 2 fax notifications

Important Information about Adding a Recipient

• Please take note of the Alpha Numeric Character Rules before capturing
a Recipient or Payment transaction; this information is in the Business
Rules for Payments chapter.
• It is recommended that you use the Validate Recipient function to
validate that the account number and/or branch code provided by a
recipient are valid before you add the details to your Recipient List. This
service is free of charge.
• You can also Verify the Account Owner; i.e. use the recipient's Account
Number and ID Number / Business Registration Number to verify that the
account number and the account owner correspond. There is a fee for this
service.
• Fees are applicable for requesting a Proof of Payment Notification.

Public Recipients:

• Public Recipients are available for all countries within the Common
Monetary Area; the Public Recipient Lists are stored per country.
• You do not need to complete any bank details for a Public Recipient as
these details are stored on the Public Recipient database.

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The steps for adding a (personal) Beneficiary and a Public Recipient to your Recipient List are detailed
separately.

8.6.1 Add a Beneficiary to your Recipient List

Use this functionality to save the banking details of the beneficiaries that you pay regularly to your own
Recipient List, thereby eliminating the need to capture these details each time that you need to pay the
recipient.

Add a (Personal) Beneficiary to your Recipient List

1. Click on the Pay tab.

2. Click on the Payments sub-tab and then select the My Recipients view.
3. Click on the (+) Add Table Action and then click on the Add hyperlink.
4. The Add Recipient capture page will be displayed.
5. Select the default account that you would like to use when making payments to this recipient; you
will have the option to select a different account when capturing a payment instruction.
6. If it is not already selected, click on the An Account view.
7. Enter the Recipient’s Name.
8. Enter the recipient’s Branch Code or, if you do not have it, use the Choose a Bank option to look
up the Branch Code by Country, Bank and Division.
9. Most banks use a Universal / Default Branch Code for payments; if you choose one of these
banks the Default Branch Code will be populated automatically.
10. Enter the recipient’s Account Number.
11. Select the Recipient’s Account Type.
12. Enter the Recipient Reference; this is the reference that will appear on the recipient’s bank
statement.
13. Enter your Own Reference; this is the reference that will appear on your bank statement.
14. If you would like to add the recipient to a Recipient Category select the respective category from
the Add to Group drop-down menu.
15. If you would like to send the recipient an automatic Proof of Payment Notification every time you
pay them, complete their Proof of Payment details.
16. If you would like to send multiple notifications click on the (+) to add more details.
17. Use the Addressed to field to add the name of the person that you are sending the Proof of
Payment Notification to. Click on Add Recipient.
18. A confirmation page will be displayed.
19. Check that this information is correct and, if necessary, click on Edit to make amendments.
20. Click on Confirm.
21. A results page will display the status of your request.

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 22. Click on Pay Recipient Now to make a payment or click on Finish to complete the process.

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8.6.2 Add a Public Recipient to your Recipient List

Use this functionality to save the banking details of a Public Recipient that you pay regularly to your own
Recipient List thereby eliminating the need to recapture or search for these details each time that you need
to pay the recipient.

A public recipient is a beneficiary such as a Service Provider or Corporate Company that is paid by
numerous citizens of a country. Examples would be your municipal service providers, cellphone network
providers, large chain stores etc.

The recipient's bank details are stored on a bank data base which enables Online Banking users to select
the recipient as a payee from a Pre-Defined List of Public Recipients when capturing a payment.

Public Recipients are grouped by country.

Add A Public Recipient to your Recipient List

1. Click on the Pay tab.

2. Click on the Payments sub-tab and then select the My Recipients view.
3. Click on the (+) Add Table Action and then click on the Add hyperlink.
4. The Add Recipient capture page will be displayed.
5. Select the default account that you would like to use when making payments to this recipient; you will
have the option to select a different account when capturing a payment instruction.
6. Click on the A Public Recipient view.
7. Click on the Find a Public Recipient Search option to look up the required recipient.
8. Click on the slider to select to search for the Public Recipient by Name or by An Account Number.
9. Select the Country from the drop-down menu.
10. If you selected to search by Name, enter the Recipient’s Name in part or full, alternatively, if you
selected to search by An Account Number, enter the account number.
11. A list of possible matches will be displayed in a drop-down list; simply click on the respective recipient
name to select that recipient.
12. Click on Continue.
13. You will be redirected back to the Add Recipient capture page; the selected Public Recipient name will
be displayed.
14. Enter the Recipient’s Name.
15. Enter the Recipient Reference; this is the reference that will appear on the recipient’s bank statement.
(For a Public Recipient this is usually an Account Number that has been allocated to you.)
16. Enter your Own Reference; this is the reference that will appear on your bank statement.
17. If you would like to add the recipient to a Recipient Category select the respective category from the
Add to Group drop-down menu.

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18. If you would like to send the recipient an automatic Proof of Payment Notification every time you pay
them, complete their Proof of Payment details.
19. If you would like to send multiple notifications click on the (+) to add more details.
20. Use the Addressed to field to add the name of the person that you are sending the Proof of Payment
Notification to.
21. Click on Add Recipient.
22. A confirmation page will be displayed.
23. Check that this information is correct and, if necessary, click on Edit to make amendments.
24. Click on Confirm.
25. A results page will display the status of your request.
26. Click on Pay Recipient Now to make a payment or click on Finish to complete the process.

8.7 View and Search Recipient List

Use this function to search for a specific recipient in your Recipient List.

You can search across the following information:

• Recipient Name and Account Number
• Amount
• Their Reference

View and Search Recipient List

1. Click on the Pay tab.
2. If it is not already selected, click on the Payments sub-tab and select the My Recipients view.
3. Your Recipient List will be displayed.
4. Click on the Search table action above the record table.
5. Enter a minimum of three alphanumeric characters in the Search field.
6. A list of recipients matching your search criteria will be displayed in order of Recipient Category.
7. Click on Clear to return to your full Recipient List.

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8.8 View and Search Public Recipients

Use this function to view and search for a Public Recipient from any of the common monetary areas.

A public recipient is a beneficiary such as a Service Provider or Corporate Company that is paid by
numerous citizens of a country. Examples would be your municipal service providers, cellphone network
providers, large chain stores etc.

The recipient's bank details are stored on a bank data base which enables Online Banking users to select
the recipient as a payee from a Pre-Defined List of Public Recipients when capturing a payment.

Public Recipients are grouped by country.

View and Search the Public Recipient List

1. Click on the Pay tab.

2. Click on the menu and select the View Public Recipients option.
3. The View Public Recipient page will be displayed.
4. Select the respective country from the drop-down menu.
5. The public recipients for the selected country will be displayed.
6. To search for a specific recipient, click on the Search table action above the record table.
7. Enter a minimum of three alphanumeric characters in the Search field.
8. A list of recipients matching your search criteria will be displayed.
9. Click on Back to return to the full Public Recipient List.

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8.9 Maintain a Recipient

Use this function to maintain the details of a beneficiary that you have added to your Recipient List.

Important Information about Maintaining a Recipient

Scheduled Payments:

• If you change a recipient’s details these details will not update in your
Scheduled Payments; you need to maintain the Scheduled Payment.

The following information can be maintained:

• Default Account that you would like to use to pay the recipient
• Recipient Name
• Recipient Account Details
• Recipient Category
• Statement References
• Proof of Payment details

Maintain Recipient Details

1. Click on the Pay tab.
2. If it is not already selected, click on the Payments sub-tab and select the My Recipients view.
3. Your Recipient List will be displayed.
4. Click on the menu and select the Pay Recipient > Maintain option.
5. A list of your recipients will be displayed; click on the Recipient Name to select the respective
recipient.
6. The Maintain Recipient capture page will be displayed.
7. Amend the details as required.
8. Click on Update.
9. A confirmation page will be displayed.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. Click on Confirm.
12. A results page will display the status of your request.
13. Click on Pay Recipient Now to make a payment or click on Finish to complete the process.

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8.10 Delete a Recipient

Use this function to permanently delete a beneficiary from your Recipient List.

You can delete single or multiple recipients from your Recipient List simultaneously.

Important Information about Deleting a Recipient

Scheduled Payments:

• If you delete a recipient from your Recipient List this will not delete a
Scheduled Payment to the recipient; you will need to delete the
Scheduled Payment.

These changes will not carry over to Scheduled Payments. To modify or delete a Scheduled Payment, click
on the Payments tab, followed by Scheduled Payments.

Delete a Recipient
1. Click on the Pay tab.
2. If it is not already selected, click on the Payments sub-tab and select the My Recipients view.
3. Your Recipient List will be displayed.
4. Click on the menu and select the Pay Recipient > Delete option.
5. A list of your recipients will be displayed; click in the check box of the respective recipient that you
would like to delete.
6. Click on Delete.
7. A confirmation page will be displayed.
8. Check that this information is correct and, if necessary, click on Edit to make amendments.
9. Click on Confirm.
10. A results page will display the status of your request.

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8.11 Branch Code Search
Use this function to search for the Branch Code for any registered financial institution within the Common
Monetary Area by Country, Bank and Division.

You can also perform a Branch Code Search when adding or modifying a recipient.

Perform a Branch Code Search

1. Click on the Pay tab.

2. If it is not already selected, click on the Payments sub-tab and select the My Recipients view.
3. Click on the (+) Add table action button.
4. The Add Recipient capture page will be displayed.
5. If it is not already selected, click on the An Account view.
6. Click on the Choose a Bank option.
7. The Branch Code Search slide out will be displayed.
8. Select the applicable Country from the drop-down menu.
9. Select the Bank and, if applicable, the Division from the respective drop-down menus.
10. The Branch Code will be populated automatically on the Add Recipient capture page.
11. Click on Cancel to complete the process.

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8.12 Validate Recipient
The Validate Recipient function allows you to authenticate that an account number is valid; i.e. the format of
the account number meets the requirements of the relevant bank.

You can validate account numbers for any account (including non-FNB accounts).

To check that the recipient's Account Number and ID or Business Registration Number correspond; use the
Verify Account Owner functionality.

Validate a Recipient
1. Select Payments and then click on the Payments Menu.
2. Click on Recipients > Validate Recipient.
3. The Validate Recipient capture page will be displayed.
4. Select the Account Type from the drop-down menu.
5. Enter the Account Number and Branch Number.
6. If you would like to validate more than one account, click on the (+) to add more fields.
7. Click on Validate.
8. The results of your validation request/s will be displayed together with the respective status/es.
9. Click on Finish to complete the process.

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Verify Account Owner

Verify Account Owner is a fee-based service which enables you to confirm that the bank details provided
belong to the intended recipient.

If you only need to check that the Account Number of a recipient is valid, please use the Validate
Recipient functionality which is free of charge.

You will require the following information to Verify an Account Owner:

Individual Client: Account Number Branch Code ID Number
Business Client: Account Number Branch Code Business Registration Number

You can also verify the following optional details:

Individual Client: Surname Initials Cellphone Number Email Address
Business Client: Business Name Cellphone Number Email Address

There are two options available when verifying an account owner:

1. Single Account Verification

o Verify a single account.
o Account Verification is processed in real-time.
o Refer to the Participating Banks table below for the list of banks that participate in real-time
account verification.

2. Multiple (Batch) Account Verification

o Verify a maximum of 5 accounts per batch.
o Multiple Account Verification is applicable to most banks; please refer to the the
Participating Banks table below.
o A batch containing FirstRand (FNB and RMB) accounts only will be processed in real-
time.
o A batch containing accounts from Third Party Participating Banks will be processed within
2 hours.
o Batch Verifications that contain Third Party Participating Banks are processed between
08h00 and 16h00 on business days only; requests submitted after the cut-off time will be
processed on the next business day.

For your convenience, the Verify Account Owner functionality for FNB/RMB accounts only is also available
at the following touch points:

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 • Pay Tab > Menu > Verify Account Owner
• Pay Tab > Payments Sub-Tab > Add Recipient > Verify Account Owner
• Pay Tab > Payments Sub-Tab > Modify Recipient Details > Verify Account Owner
• Pay Tab > Once-Off Sub-Tab > Verify Account Owner
• Pay Tab > Scheduled Payments Sub-Tab > Verify Account Owner

Business Rules:
• This functionality is available to both Primary and Secondary Users.
• Details can be verified for Participating Banks only.
• There is no cut-off time for FNB/RMB Only verifications.
• Batch Verifications that contain Third Party Participating Banks are processed between 08h00
and 16h00 on business days only; requests submitted after the cut-off time will be processed on
the next business day.

• Please note that there is a fee to Verify an Account Owner.

• Your Default Billing Account will be debited for every account record queried, regardless of
whether the response is True or False.
• If a record is returned as Unverified due to late response from a Participating Bank, you will not be
charged.

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Verify Account Owner Participating Banks

The Verify Account Owner service is available for the following participating banks:

Bank Single Batch

(Real-Time) (2 Hours)
FirstRand Bank (FNB and RMB) Y Y
ABSA Bank Y Y
Access Bank - Y
African Bank Y Y
Bidvest Bank Y Y
Capitec Bank Y Y
Capitec Business - Y
Discovery Bank Y Y
Finbond Y -
Grindrod Bank Y Y
Investec Bank Y Y
Nedbank Y Y
SASFIN Bank Y -
Standard Bank Y Y
Tyme Bank Ltd Y Y

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Verify Account Owner Responses
On submission, the system will verify the information provided.

Single Batch Indicator Description

Y Y Y – True • The details have been successfully verified; the account number
and account owner details correspond.

Y Y N – False • The details have been verified but they do not correspond, i.e. the
Account Number, ID Number / Company Registration Number are
valid, but do not belong to the same record.

Y Y U - Unverified • The details in this field could not be verified.

• Please check the details before you submit them as these
responses are billable.

N Y R - Rejected • The Recipient details provided are incorrect, i.e. invalid ID Number
/ Company Registration Number or Account Number.
• Please check the details before you submit them as these
responses are billable.

N Y L - Late • The respective bank did not respond to your request in time.
• These recipients may be resubmitted on the same day in a new
file.
• You will not be billed for these.

In addition to the verification of the provided information. Additional information about the account being
verified will be returned:

• Has the account been open for longer than 3 months?

• Does the account allow for Debits?
• Does the account allow for Credits?

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Verify a Single Account Owner

Verify a Single Account Owner.

1. Select Payments and then click on the Payments Menu.
2. Click on Recipients > Verify Account Owner.
3. The Verify Account Owner History page will be displayed.
4. Click on the Verify sub-tab; the Verify Account Owner Online capture page will be displayed.
5. Click on the Single view.
6. Enter the recipient’s details in the fields provided.
7. If you have entered an account number for a Participating Bank other than FNB, RMB, Nedbank or
Standard Bank you will be required to enter the Email Address to which the results must be sent
once they have been processed.
8. Click on Verify.
9. The verification results will be displayed in real time.
10. If the results are returned as True, you can click on Save as Recipient to be redirected to the Add
Recipient process to save the verified details to your Recipient List.
11. Click on Finish to complete the process.

Verify Multiple Account Owners

Verify Multiple Account Owners

1. Select Payments and then click on the Payments Menu.
2. Click on Recipients > Verify Account Owner.
3. The Verify Account Owner History page will be displayed.
4. Click on the Verify sub-tab; the Verify Account Owner Online capture page will be displayed.
5. Click on the Multiple view.
6. Enter the recipient’s details in the fields provided.
7. Click on the (+) to Add Another Recipient’s details.
8. If you have entered an account number for a Participating Bank other than FNB or RMB, you will
be required to enter the Email Address to which the results can be sent once they have been
processed.
9. Click on Verify.
10. The verification results for a batch containing FNB/RMB accounts only will be processed in real
time.
If the batch includes accounts for other Participating Banks, the results will be processed within
two hours and will be sent to the specified email address.
11. Click on Finish to complete the process.

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View Verify Account Owner History

View Verify Account Owner History

1. Select Payments and then click on the Payments Menu.
2. Click on Recipients > Verify Account Owner.
3. The Verify Account Owner History page will be displayed.
4. A list of all your previous verification responses will be displayed.
5. You can Search, Download and Print this history.

Delete Verify Account Owner History

Delete Verify Account Owner History

1. Select Payments and then click on the Payments Menu.
2. Click on Recipients > Verify Account Owner.
3. The Verify Account Owner History page will be displayed.
4. A list of all your previous verification responses will be displayed.
5. Click in the check box to select the result that you would like to delete, alternatively click on the
Select All hyperlink above the check box to select all results and then click on Delete.
6. The result/s will be deleted from your history.

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8.14 Payment History

Use this function to view and search a history of the payments that you have made from a selected account.

The following functionality is available:

• View the Payment History of a selected account
• Search your Payment History for a specific transaction
• View the Payment Details and Proof of Payment Notification details for a transaction
• Pay Again from your Payment History

Important Information about Payment History

• Payment History is stored for a maximum of 24 months.

• Fees are applicable for viewing, printing or downloading Payment History
details older than 90 days. Please refer to the pricing guide. The fees are
billed to the account from which the payment originated.
• A Future Dated Payment will only reflect on your Payment History once
the payment has been processed, until then, the instruction is stored with
your Scheduled Payments.

The following functionality is available:

• View the Payment History of a selected account

• Search your Payment History for a specific transaction
• View the Payment Details and Proof of Payment Notification details for a transaction

8.14.1 View Payment History

Use this function to view a history of the payments that you have made from a selected account.

View Payment History

1. Click on the Pay tab.

2. If it is not already selected, click on the Payments sub-tab and select the Payment History view.
3. Your Payment History for the past 24 months will be displayed.

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 4. Click on the Recipient Name hyperlink to view the details of the respective transaction.
5. Click on Back to return to your Payment History.
6. Click on the respective easy button to Pay the Recipient, Send, Download or Print the Proof of
Payment Notification for the transaction.
7. Click on Back to return to the My Recipients view.

8.14.2 Search Payment History

Use this function to search your Payment History for a specific transaction.

There are two search options available:

1. Search

o Enter a minimum of three alphanumeric characters in the Search field to search across all
fields in the record table.

2. Advanced Search

o The Advanced Search enables you to refine your search by:

o Type of Transaction
o Recipient Category
o Recipient
o From Account
o Date Range
o Amount Range

Search Payment History

1. Click on the Pay tab.

2. If it is not already selected, click on the Payments sub-tab and select the Payment History view.
3. Your Payment History for the past 24 months will be displayed.
4. Click on the menu and select the Payments History > Advanced Search option.
5. The Payment History Search capture page will be displayed.
6. Complete as many of the fields as you can to refine your search.
7. Click on Search.

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 8. The results of your search will be displayed.
9. Click on the respective easy button to Pay the Recipient, Send, Download or Print the Proof of
Payment Notification for the transaction.
10. Click on Back to return to the My Recipients view.

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8.14.3 Pay Again from Payment History

The Pay Again option enables you to repeat the last payment to a recipient without having to recapture the
payment transaction.

When selecting this option, the system will automatically populate the last amount paid to the respective
recipient.

If required, the following details can be edited:

• From Account
• Payment Date
• Recipient Reference
• Your Reference

Pay Again from Payment History

1. Click on Pay.
2. If it is not already selected, click on the Payments sub-tab and select the Payment History view.
3. Your Payment History for the past 24 months will be displayed.
4. Click on the Pay Again easy button for the respective payment.
5. The details of the historical payment will be displayed; these can be amended as required.
6. Click Pay.
7. If you have made changes to the recipient’s account details since the respective payment was made
you will be prompted to select which bank details to use for this payment:

• Use old details: Continue with previous payment account details.

• Use new details: This will prompt you to capture a once-off payment to the recipient.

8. Click Pay.
9. A confirmation page will be displayed.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. Click on Confirm.
12. A results page will display the status of your request.
13. Click Finish to complete the process.

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8.15 Recipient Payment History

Use this function to view the Payment History for a selected recipient.

Important Information about Recipient Payment History

• Recipient Payment History is stored for a maximum of 36 months.

• Scheduled Payments to a Recipient will not reflect in the Recipient
Payment History.

View Recipient Payment History

1. Click on the Pay tab.
2. If it is not already selected, click on the Payments sub-tab and select the My Recipients view.
3. Your Recipient List will be displayed.
4. Click on the quick link for the respective recipient and select the View History option.
5. The Payment History for the selected recipient will be displayed.
6. Click on the Recipient Name hyperlink to view the details for the respective payment transaction.
7. Click on the respective easy button to Download, Send or Print the Proof of Payment Notification
for the transaction.
8. Click on Finish to complete the process.

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8.16 Proof of Payment Notifications

Use this functionality to Send, Download or Print a Proof of Payment Notification for a processed payment
transaction.

When you add a recipient, you can save Payment Notification details for the recipient so that, every time
you make a payment to the recipient, a Payment Notification will automatically be sent to the recipient via
the notification method that you have selected, i.e. email, sms or fax.

You can select any combination of the following types of Payment Notifications per recipient:

• 5 e-mail notifications
• 2 SMS notifications
• 2 fax notifications

Important Information about Proof of Payment Notifications

1. There is a fee to send Payment Notifications, please consult the Online

Banking Pricing Guide.
2. When creating or re-sending a Payment Notification, the contact details
that you enter will not be updated on the Recipient's record; you will need
to Maintain the Recipient details.

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8.16.1 Create or Resend a Proof of Payment Notification

Use this function to create or re-send Proof of Payment Notifications to a recipient for a processed payment
transaction.

The Notification will be generated as a pdf document.

Create or Resend a Proof of Payment Notification

1. Click on the Pay tab.

2. If it is not already selected, click on the Payments sub-tab and select the Payment History view.
3. Your Payment History for the past 18 months will be displayed.
4. Click on the Send easy button for the respective transaction.
5. The Send Proof of Payment capture page will be displayed.
6. Select the Notification Method from the drop-down menu.
7. Based on your selection, enter the Email Address, Cellphone Number or Fax Number.
8. If you would like to send multiple notifications click on the (+) to add more details.
9. Click on Send.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. Click on Confirm.
13. A results page will display the status of your request.

8.16.2 Download or Print a Proof of Payment Notification

Create or Resend a Proof of Payment Notification

1. Click on the Pay tab.

2. If it is not already selected, click on the Payments sub-tab and select the Payment History view.
3. Your Payment History for the past 18 months will be displayed.
4. Click on the Print or Download easy button for the respective transaction.

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 10.17 Activity Based Payments (ABP)
An Activity Based Payment is a payment instruction which enables you to manage repayments on your
Temporary Loan based on an activity that takes place on your account during the repayment period; i.e. a
credit received into your bank account is the activity that will trigger the payment.

Important Information about the Activity Based Payment functionality

• An Activity Based Payment will be added to your profile automatically if

your application for a Temporary Loan is successful.
• Statements for Temporary Loans can be obtained via the Banking App.

The following Activity Based Payments functionality is available online:

• View Activity Based Payments

• Maintain an Activity Based Payment instructions
• Stop an Activity Based Payment
• Restart an Activity Based Payment

8.17.1 View Activity Based Payments

Use this function to view Activity Based Payments that have been linked to your accounts as well as an
FAQs document.

The following information is available:

• Name of Activity Based Payment

• From Account (Payment Account)
• To Account
• Minimum Amount
• Maximum amount
• Start Date
• Expiry Date
• Own Reference
• Recipient Reference
• Activity

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View Activity Based Payments
1. Click on the Payments Tab.
2. Click on the Activity Based Payment sub tab.
3. Your Active Activity Based Payment instruction/s will be displayed.
4. Click on the FAQs icon to view more information about Activity Based Payments.
5. To view the details of an Activity Based Payment, click on the Name hyperlink of the respective
payment.
6. To view Activity Based Payments that you have stopped, click on the Stopped view.

8.17.2 Maintain an Activity Based Payment

Use this function to maintain your Activity Based Payment instruction/s.

The following information can be maintained:

• Name of Activity Based Payment

o The name of the Activity Based Payment will default to the product name, you can amend
this name.
• Maximum Amount
o Specify the maximum amount that can be debited from your account when the activity takes
place.
• Own Reference
o This is the reference that will reflect on your bank statement

Maintain Activity Based Payments

1. Click on the Payments Tab.
2. Click on the Activity Based Payment sub tab.
3. Your active Activity Based Payment instruction/s will be displayed.
4. Click on the Maintain easy button of the respective Activity Based Payment.
5. Amend the information as required.
6. Click on Update.
7. A confirmation page will be displayed.
8. Check that this information is correct and, if necessary, click on Edit to make amendments.
9. Click on Confirm.
10. A results page will display the status of your request.

8.17.3 Stop an Activity Based Payment

Use this function to stop an Activity Based Payment instruction on your account.

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 Important Information about Stopping an Activity Based Payment

• Stopping an Activity Based Payment does not extend the loan term;
should you not restart the Activity Based Payment during the course of the
loan period, the full outstanding amount will be deducted from your
account at the end of the loan term.

Stop Activity Based Payments

1. Click on the Payments Tab.
2. Click on the Activity Based Payment sub tab.
3. Your active Activity Based Payment instruction/s will be displayed.
4. Click on the Stop easy button of the respective Activity Based Payment.
5. A confirmation page will be displayed.
6. Check that this information is correct and, if necessary, click on Edit to make amendments.
7. Click on Confirm.
8. A results page will display the status of your request.
9. This Activity Based Payment will no longer reflect under your Active Activity Based Payments.

8.17.4 Restart an Activity Based Payment

Use this function to restart an Activity Based Payment instruction which you had previously stopped.

Restart an Activity Based Payment

1. Click on the Payments Tab.
2. Click on the Activity Based Payment sub tab.
3. Your active Activity Based Payment instruction/s will be displayed.
4. Click on the Stopped view.
5. Click on the Restart easy button of the respective Activity Based Payment.
6. A confirmation page will be displayed.
7. Check that this information is correct and, if necessary, click on Edit to make amendments.
8. Click on Confirm.
9. The Activity Based Payment will be displayed under the Active view again.
10. If required, click on Maintain to amend the Maximum Amount.

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8.18 My Bills

Use this function to manage and pay MultiChoice Bills for yourself or for others.

The payment amount will automatically be credited to the respective Customer Number / Smartcard Number.

The following functionality is available:

• Add a MultiChoice bill

• Pay a MultiChoice bill
• View and Maintain a MultiChoice bill
• Delete a MultiChoice bill
• View the Payment History for a MultiChoice bill

Important Information about My Bills

• Please ensure that the Customer Number or Smartcard Number that you
have entered is correct as no refunds will be made for incorrect purchases.
• For navigational queries please contact Digital Banking Support.
• For product and service-related queries please contact the Service Provider.

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8.16.1 Add a MultiChoice Bill

Use this function to add a MultiChoice account to your banking profile so that you can pay MultiChoice Bills
for yourself or for others.

Quick Tip
• You will need the recipient’s 8-digit MultiChoice Customer Number or 10-digit Smartcard Number.

Add a MultiChoice Bill

1. Click on the Payments tab.
2. The Pay Recipient landing page will be displayed.
3. Select the My Bills view.
4. If you have any existing MultiChoice Customer/SmartCard Numbers linked to your profile, these will
be displayed.
5. Click on Add Bill.
6. Enter a Bill Nickname that will enable you to distinguish between multiple bills.
7. Use the switcher to select between Customer Number or SmartCard Number.
8. Enter the respective Number.
9. Click on Add.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. Click on Confirm.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.
15. The respective Customer/SmartCard Number will now appear on your My Bills list.

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8.16.2 Pay a MultiChoice Bill

Once you have added a MultiChoice Bill to your My Bills list, you can use this function to pay the full amount
due, or any part thereof, on the bill.

The payment amount will automatically be credited to the respective Customer Number / Smartcard Number.

Business Rules:
• Payments can be made for a maximum of three months in advance.

Pay a MultiChoice Bill

1. Click on the Payments tab.
2. The Pay Recipient landing page will be displayed.
3. Select the My Bills view.
4. The Customer/SmartCard Numbers linked to your profile will be displayed.
5. Click on the Pay icon for the respective bill.
6. The Bill Details will be displayed.
7. If there is an Amount Due, this amount will be automatically populated, however you can edit the
amount.
8. Select the account you would like to Pay from.
9. Click on Pay.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. Click on Confirm.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.

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8.16.3 View and Maintain MultiChoice Bills

Use this function to maintain the MultiChoice bills that are linked to your profile.

The following information can be maintained:

• Bill Nickname
• Customer Number or SmartCard Number

View and Maintain MultiChoice Bills

1. Click on the Payments tab.
2. The Pay Recipient landing page will be displayed.
3. Select the My Bills view.
4. The Customer/SmartCard Numbers linked to your profile will be displayed.
5. Click on the Bill Name hyperlink of the bill that you would like to view.
6. The Bill Details page will be displayed.
7. Make the required changes.
8. Click on Continue.
9. A confirmation page will be displayed.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. Click Confirm to continue.
12. A results page will display the status of your request.
13. Click on Finish to complete the process.

8.16.4 Delete a MultiChoice Bill

Use this function to permanently delete a MultiChoice bill from your profile.

Delete a MultiChoice Bill

1. Click on the Payments tab.
2. The Pay Recipient landing page will be displayed.
3. Select the My Bills view.
4. The Customer/SmartCard Numbers linked to your profile will be displayed.
5. Click on the More option for the respective bill and then select Delete.
6. The Delete Recipient page will display.
7. Check that this information is correct and, if necessary, click on Edit to make amendments.
8. Click Yes to continue.
9. A results page will display the status of your request.
10. Click on Finish to complete the process.

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8.16.5 View your MultiChoice Payment History

Use this function to view your My Bills payment history for a specific Customer/SmartCard Number.

View your MultiChoice Payment History

1. Click on the Payments tab.
2. The Pay Recipient landing page will be displayed.
3. Select the My Bills view.
4. The Customer/SmartCard Numbers linked to your profile will be displayed.
5. Click on the More option for the respective bill and then select History.
6. The Payment History for the respective Customer/SmartCard Number will be displayed.
7. Click on Finish to return to the My Bills view.

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Once Off Payments Sub-
Tab

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8.17 Once-Off Payment

Use this function to make a once-off payment to a beneficiary/third party that has not been saved on your
recipient list.

Note:
You cannot make a once-off payment to an investment account; please add the investment account
details to your Recipient List and then utilise the Payments functionality to make a payment to the
Investment Account.

Important Information about Once-Off Payments

• Please take note of the Alpha Numeric Character Rules before capturing
a Payment transaction; this information is in the Business Rules for
Payments chapter.
• It is recommended that you use the Validate Recipient function to
validate that the account number and/or branch code provided by a
recipient are valid before you add the details to your Recipient List. This
service is free of charge.
• You can also Verify the Account Owner; i.e. use the recipient's Account
Number and ID Number / Business Registration Number to verify that the
account number and the account owner correspond. There is a fee for this
service.
• Payments can be future dated to take place within the next 365 days.

o A future dated payment will be stored with your Scheduled

Payments until it has been processed.
o To allow sufficient time for the changes to be updated,
amendments or deletions of a Scheduled Payment must be
submitted before 18h00 a minimum of two business days prior
to the specified transaction date.
o If the transaction date falls on a Sunday or public holiday, the
payment will only be processed on the next business day.

• Fees are applicable for requesting a Proof of Payment Notification.

• You cannot make a once-off payment to an investment account; please
add the investment account details to your Recipient List and then
utilise the Payments functionality to make a payment to the Investment
Account.

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8.17.1 Make a Once-Off Payment

Use this function to make a once-off payment to a beneficiary/third party that has not been saved on your
recipient list.

Make a Once-Off Payment to an Account Holder

1. Click on the Pay tab and select the Once-Off sub-tab.
2. If it is not already selected, click on the An Account view.
3. Enter the Recipient’s Name.
4. Enter the recipient’s Branch Code or, if you do not have it, use the Choose a Bank option to look
up the Branch Code by Country, Bank and Division.
5. Most banks use a Universal / Default Branch Code for payments; if you choose one of these
banks the Default Branch Code will be populated automatically; you can edit this Branch Code.
6. Enter the recipient’s Account Number.
7. Select the Account Type from the drop-down menu.
8. Enter the amount that you would like to pay the recipient.
9. If the recipient's account is held at a participating bank you will have the option to select the Pay &
Clear Now service type.
10. Enter the Statement References, these are the references that will appear on the bank statement.
11. If you would like to send the recipient an automatic Proof of Payment Notification every time you
pay them, complete their Proof of Payment details. Click on the (+) to add more details.
12. Use the account switcher to select the account that you would like to use to pay this recipient.
13. If required, select a payment date.
14. Click on Pay.
15. A confirmation page will be displayed.
16. Check that this information is correct and, if necessary, click on Edit to make amendments.
17. Click on Confirm.
18. A results page will display the status of your request.
19. Click on Finish to complete the process.

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8.17.2 Make a Once-Off Payment to a Public Recipient

Use this function to make a once-off payment to a Public Recipient.

You can search for the Public Recipient by:

• Name
• Account Number

Important Information about Once-Off Payments to Public Recipients

• The Pay & Clear Now option is not available for payments to Public
Recipients.

Make a Once-Off Payment to a Public Recipient

1. Click on the Pay tab and select the Once-Off sub-tab.
2. Select the A Public Recipient view.
3. Click on the Find a Public Recipient Search option to look up the required recipient.
4. The Public Recipient Search capture page will be displayed.
5. Select to Search for the Public Recipient by Name or by An Account Number.
6. Select the respective country from the drop-down menu.
7. If you selected to search by name, enter at least the first three letters of the Public Recipient’s
Name, alternatively, enter the Public Recipient’s Account Number.
8. Click on Search.
9. A list of recipients matching your search criteria will be displayed.
10. Click on the Recipient Name hyperlink to select the respective recipient.
11. Click on Continue.
12. Enter a Payment Name for this payment
13. Enter the amount that you would like to pay the recipient.
14. Enter the Statement References, these are the references that will appear on the bank statement.
In the case of a Public Recipient this is usually an Account Reference Number.
15. If you would like to send the recipient an automatic Proof of Payment Notification complete their
Proof of Payment details. Click on the (+) to add more details.
16. Use the account switcher to select the account that you would like to use to pay this recipient.
17. If required, select a payment date.
18. Click on Pay.
19. A confirmation page will be displayed.
20. Check that this information is correct and, if necessary, click on Edit to make amendments.

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 21. Click on Confirm.
22. A results page will display the status of your request.
23. Click on Finish to complete the process.

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Pending Payments Sub-Tab

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8.18 Pending Payments

This functionality enables you to process a Payment File for bulk payments which you have created off-line.

The off-line Payment File can be created in one of two ways:

1. The off-line file can be created using the Bankserv (ACB) file layout in your line of business system.
The Bankserv (ACB) file layout can be downloaded from the Online Banking Help. You will then
need to Import the completed Payment File into Online Banking.
2. If you process salary or third party payments via Instant Payroll the off-line file will be generated
and imported into Online Banking automatically.

The following options are available:

• Import Payment File

• View Pending Payments
• Pay Pending Payment Batches
• Delete Pending Payment Batches

Important Information about Pending Payments

• The Payment-Import and Pending Payments functionality is restricted to

the Primary User.
• Payments made via a Payment-Import accumulate towards your Daily
Profile Limit for Payment transactions.
• If the execution date is on a Sunday or public holiday, the payment will
only be processed on the next business day.

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8.16.1 Create an Import Payment File
This functionality enables you create an off-line payment file containing multiple recipients.

The Payment File can be created by using the Bankserv (ACB) file layout which can be downloaded from
the Online Banking Help.

Please refer to the Online Banking Help for a detailed explanation the file layout.

8.16.2 Import a Payment File

This functionality enables you to Import a Payment File, which you have created off-line or via your Payroll
system, into Online Banking so that you can process a bulk payment without having to add the
beneficiaries to your Recipient List.

Import Saved Payment File

1. Click on the Pay tab and select the Pending Payments sub-tab.
2. A list of all Pending Payment batches will be displayed.
3. Click on the More Options Menu and select the Import option.
4. The Payments - Import capture page will be displayed.
5. Select the File Type, BankServ (ACB), from the drop-down list. Enter a Name for the respective
payment, e.g. 2012 Year End Bonuses
6. Click on Browse to locate the saved Payment File.
7. Specify where and in what format the Import Results must be sent to you.
8. Click on Continue.
9. The Details for the Import File will be displayed.
10. Check that these details are correct and, if necessary, click on Cancel to amend the import details
or click on Confirm to proceed.
11. The results of the file import will be sent to your selected mailbox, check the results and, if
required, make the necessary changes to the off-line Payment File and Import it again.
12. A successfully imported Payment File will reflect under the Pending Payments sub-tab.
13. If you would like to import another file, simply click on Import Again to return to the Payment-Import
capture page or click on Finish to complete the Import process.

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8.16.3 View Pending Payments

Use this function to view the list or contents of your Pending Payment batches.

View Pending Payments

1. Click on the Pay tab and select the Pending Payments sub-tab.
2. A list of all Pending Payment batches will be displayed.
3. Click on the Batch Name hyperlink to view the contents of the respective Payment Batch.
4. Click on Back to return to the list of all Pending Payment batches.

8.16.4 Pay Pending Payment Batches

Use this function to submit your Pending Payment batches for processing.

Pay Pending Payment Batches

1. Click on the Pay tab and select the Pending Payments sub-tab.
2. A list of all Pending Payment batches will be displayed.
3. Click on the Pay easy button of the respective batch that you would like to pay.
4. The contents of the respective Payment Batch will be displayed, check that this is the correct file
and, if necessary, click on Cancel to select a different batch or click on Confirm to proceed.
5. A results page will display the status of your request.
6. Click on Finish to complete the process.

8.16.5 Delete Pending Payment Batches

Use this function to delete Pending Payment batches.

Delete Pending Payment Batches

1. Click on the Pay tab and select the Pending Payments sub-tab.
2. A list of all Pending Payment batches will be displayed.
3. Click on the Delete easy button of the respective batch that you would like to delete.
4. The contents of the respective Payment Batch will be displayed, check that this is the correct file
and, if necessary, click on Cancel to select a different batch or click on Confirm to proceed.
5. A results page will display the status of your request.
6. Click on Finish to complete the process.

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Scheduled Payments Sub
Tab

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8.19 Scheduled Payments Overview

Use this function to create and maintain Scheduled Payments to your recipients.

A Scheduled Payment is a payment that you set up to take place on a specific date; this can be a once-off
payment or a recurring payment with or without an expiry date.

Once the Scheduled Payment has been saved, the Payment will be processed automatically on the date/s
that you have requested without you having to log in to Online Banking.

Important Information about Scheduled Payments

• To set up automatic monthly payments to a Credit Card account please avail

of the Auto Payment functionality in the Account Settings menu.

• For your security, there is a Daily Limit for Payment transactions; please
refer to the chapter on Online Banking Settings for further information.

o The amount for a Scheduled Payment will accumulate towards your

Daily Profile Limit only when you create or modify the transaction.
• To allow sufficient time for the changes to be updated, amendments or
deletions of a Scheduled Payment must be submitted before 18h00 a
minimum of two business days prior to the specified transaction date.
• If the action date falls on a Sunday or a Public Holiday, FNB/RMB
recipients will receive their funds on the same day; non-FNB/RMB payments
will only be processed on the next business day.

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8.19.1 Create a Scheduled Payment

Use this function to create a once-off or recurring payment to a recipient.

You can select an existing Recipient or add Recipient Details when creating the Scheduled Payment.

Important Information about Creating a Scheduled Payment

• To allow sufficient time for processing, a Scheduled Payment must be created before
18h00 a minimum of two business days prior to the specified transaction date.
• If the action date falls on a Sunday or a Public Holiday, FNB/RMB recipients will
receive their funds on the same day; non-FNB/RMB payments will only be processed
on the next business day.

8.19.1.1 Create a Scheduled Payment to an Existing Recipient

Create a Scheduled Payment to an Existing Recipient

1. Click on the Pay tab and select the Scheduled Payments sub-tab.
2. If you have existing Scheduled Payments these will be displayed.
3. Click on the Add Scheduled Payment button (+) in the table actions.
4. Click on the respective icon to select to create a Scheduled Payment to an existing recipient or to
a new recipient.
5. A list of your existing recipients will be displayed.
6. Click on the Recipient Name hyperlink of the respective recipient.
7. The Add Scheduled Payment capture page will be displayed.
8. Use the account switcher to select the account that you would like to use to pay this recipient.
9. Enter the Amount that you would like to pay.
10. Enter a Scheduled Payment Name for this Scheduled Payment e.g. School Fees.
11. The details of the Recipient that you selected will be prepopulated; if required, amend the Proof of
Payment Notification details.
12. Select the Start Date for the Scheduled Payment; a payment can be future dated up to 365 days in
advance.
13. Select the Frequency of the payment from the drop-down menu.
14. Enter an End Date for the payment; you can select to end it on a specific date, after a specific
number of payments or to leave it open ended.
15. Click on Add.
16. A confirmation page will be displayed.
17. Check that this information is correct and, if necessary, click on Edit to make amendments.
18. Click Confirm to proceed.
19. The results page will be displayed.

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 20. Click on Finish to complete the process.

8.19.1.2 Create a Scheduled Payment to a New Recipient

Use this function to create a once-off or recurring payment to a beneficiary that is not yet added to your
Recipient List.

Create a Scheduled Payment to a New Recipient

1. Click on the Pay tab and select the Scheduled Payments sub-tab.
2. If you have existing Scheduled Payments these will be displayed.
3. Click on the Add Scheduled Payment button (+) in the table actions.
4. Click on the respective icon to select to create a Scheduled Payment to an existing recipient or to a
new recipient.
5. The Add Scheduled Payment capture page will be displayed.
6. Use the account switcher to select the account that you would like to use to pay this recipient.
7. Enter the Amount that you would like to pay.
8. Enter a Scheduled Payment Name for this Scheduled Payment e.g. School Fees.
9. Select to Pay To An Account or A Public Recipient. If you select a Public Recipient, you will not be
required to capture any banking details.
10. Enter the Recipient’s Name in the Payment Name field.
11. Enter the recipient’s Branch Code or, if you do not have it, use the Choose a Bank option to look
up the Branch Code by Country, Bank and Division.
12. Most banks use a Universal / Default Branch Code for payments; if you choose one of these
banks the Default Branch Code will be populated automatically.
13. Enter the recipient’s Account Number.
14. Select the Recipient’s Account Type.
15. Enter the Recipient Reference; this is the reference that will appear on the recipient’s bank
statement.
16. Enter your Own Reference; this is the reference that will appear on your bank statement.
17. If you would like to send the recipient an automatic Proof of Payment Notification every time you
pay them, complete their Proof of Payment details.
18. If you would like to send multiple notifications click on the (+) to add more details.
19. Use the Addressed to field to add the name of the person that you are sending the Proof of
Payment Notification to.
20. Click on Add.
21. A confirmation page will be displayed.
22. Check that this information is correct and, if necessary, click on Edit to make amendments.
23. Click on Confirm.
24. A results page will display the status of your request.
25. If you would like to add the recipient to your Recipient List, click on Save Recipient, alternatively,
click on Finish to complete the process.

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Online Banking User Guide RMB Private Bank 367
8.19.2 View Scheduled Payments

Use this function to view your existing Scheduled Payments.

The following information is available at a single glance:

• Payment Name
• Payment Amount
• Next Payment Date
• Remaining Number of Payments
• Frequency

View Scheduled Payments

1. Click on the Pay tab and select the Scheduled Payments sub-tab.
2. Your existing Scheduled Payments will be displayed.
3. Click on the Payment Name hyperlink of the respective Scheduled Payment to see the details.
4. Click on Cancel to return to your list of Scheduled Payments.

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8.19.3 Maintain a Scheduled Payment

Use this function to maintain the details of a Scheduled Payment.

The following information can be maintained:

• From Account
• Payment Amount
• Payment Name
• Statement References
• Proof of Payment Details
• Payment Date
• Frequency
• End Date

Important Information about Maintaining Scheduled Payments

• To allow sufficient time for the changes to be updated, amendments to a

Scheduled Payment must be submitted before 18h00 a minimum of two
business days prior to the specified transaction date.
• For security purposes, when modifying the details of a Scheduled Payment
you cannot modify the recipient's bank details; you will need to Delete the
current Scheduled Payment and Create a new Scheduled Payment.

Maintain a Scheduled Payment

1. Click on the Pay tab and select the Scheduled Payments sub-tab.
2. Your existing Scheduled Payments will be displayed.
3. Click on the Maintain easy button of the Scheduled Payment that you would like to amend.
4. The Modify Scheduled Payment capture page will be displayed.
5. Make the amendments that you require and then click Update.
6. A confirmation page will be displayed.
7. Check that this information is correct and, if necessary, click on Edit to make amendments.
8. Click Confirm to proceed.
9. The results page will be displayed.
10. Click on Finish to complete the process.

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8.19.4 Delete a Scheduled Payment

Use this function to permanently delete a Scheduled Payment.

Important Information about Deleting Scheduled Payments

• To allow sufficient time for the changes to be updated, the deletion of a

Scheduled Payment must be submitted before 18h00 a minimum of two
business days prior to the specified transaction date.

Delete a Scheduled Payment

1. Click on the Pay tab and select the Scheduled Payments sub-tab.
2. Your existing Scheduled Payments will be displayed.
3. Click on the Delete easy button of the Scheduled Payment that you would like to delete.
4. A confirmation page will be displayed.
5. Check that this is the Scheduled Payment that you would like to delete and, if necessary, click on
Cancel to return to your list of Scheduled Payments.
6. Click Confirm to proceed.
7. The results page will be displayed.
8. Click on Finish to complete the process.

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Traffic Fines Sub-Tab

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8.20 Traffic Fines Overview

Traffic fines obtained within the South African border can be viewed and/or paid via Online Banking for
selected aggregators/municipalities.

Important Information about Paying Traffic Fines

3. If you select to search by ID Number, your ID number will be sent to a

third party to retrieve the details of fines linked to your ID number.

8.20.1 View or Search Traffic Fines

You can search for traffic fines by your ID Number or the Notice Number.

Searching by ID Number will return all traffic fines linked to the respective ID number; searching by Notice
Number will return only that specific traffic fine.

Search Traffic Fines by Notice Number

1. Click on the Pay tab.

2. Click on the Traffic Fines sub-tab.
3. The Pay Traffic Fines page will be displayed.
4. By default, the Notice Number option is already selected.
5. Select the Account that you would like to use to pay the fine from the drop-down menu.
6. Enter the Notice Number and click on Search.
7. The details of the respective Traffic Fine will be displayed.
8. Click on Cancel to return to the My Fines page.

Search Traffic Fines by ID Number

1. Click on the Pay tab.

2. Click on the Traffic Fines sub-tab.
3. The Pay Traffic Fines page will be displayed.
4. By default, the Notice Number option is already selected, click on the ID Number easy button.
5. The Traffic Fines linked to your ID number will be displayed.
6. Click on Cancel to return to the My Fines page.

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8.20.2 Pay Traffic Fine

Use this function to pay a Traffic Fine.

Important Information about Paying Traffic Fines

4. Your payment could take up to 30 minutes to reflect in your Transaction

History.
5. Traffic Fine payments are not reversible.
6. Any queries following the payment of the fine will need to be directed to
the respective aggregator/municipality.

Pay Traffic Fine

1. Click on the Pay tab.

2. Click on the Traffic Fines sub-tab.
3. The Pay Traffic Fines page will be displayed.
4. By default, the Notice Number option is already selected.
5. Select the Account that you would like to use to pay the fine from the drop-down menu.
6. Enter the Notice Number and click on Search.
7. The details of the respective Traffic Fine will be displayed.
8. Click on the Pay easy button for the respective fine.
9. A confirmation page will be displayed.
10. Check that the details displayed are correct and, if necessary, click on Cancel to return to your list of
Traffic Fines.
11. Click Confirm to proceed.
12. The results page will display the status of your request.
13. Click on Finish to complete the process.

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Pay Traffic Fine Using ID Number

1. Click on the Pay tab.

2. Click on the Traffic Fines sub-tab.
3. The Pay Traffic Fines page will be displayed.
4. By default, the Notice Number option is already selected, click on the ID Number easy button.
5. The Traffic Fines linked to your ID number will be displayed.
6. Click on the Pay easy button for the respective fine.
7. A confirmation page will be displayed.
8. Check that the details displayed are correct and, if necessary, click on Cancel to return to your list of
Traffic Fines.
9. Click Confirm to proceed.
10. The results page will display the status of your request.
11. Click on Finish to complete the process.

8.20.3 View Traffic Fine Payment History

Use this function to view the details of traffic fines that you have paid via any of FirstRand's Electronic
Channels in the last three months.

View Traffic Fine Payment History

1. Click on the Pay tab.

2. Click on the Traffic Fines sub-tab.
3. Select the Paid Fine History viewing option.
4. The fines that you have paid in the last three months will be displayed.

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eFiling Sub-Tab

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8.21 eFiling Overview

Use this function to submit your eFiling payments for the following government departments:

• South African Revenue Services (SARS)

• Unemployment Insurance Fund (UIF)
• Compensation Fund
• Department of Home Affairs

To utilise the eFiling functionality, you need to register on the respective government department’s website
first; you need to create your payments on their website and then export them into your Online Banking
profile.

For more information about this process, or to register, please contact the respective government
department.

The following functionality is available on Online Banking:

• View an eFiling Payment
• Submit an eFiling Payment
• Delete an eFiling Payment

Function Department Contact Details

eFiling South African Revenue Services www.sars.gov.za
(SARS) www.sarsefiling.co.za
0800 00 SARS (7277)

uFiling Department of Labour www.labour.gov.za

www.ufiling.co.za

Compensation Fund Department of Labour www.labour.gov.za

Smart ID / Passport Department of Home Affairs http://www.dha.gov.za

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 Important Information about Maintaining and Submitting eFiling Payments via
FNB Online Banking

Who May Use It:

• The eFiling functionality is restricted to the Primary User (Profile Owner) of a Consumer
and/or Business profile.

eFiling Availability:
• On Business Days; i.e. Monday – Saturday, the eFiling service is not available between 20h00
and 05h00 on the following Business Day.
• The eFiling service is not available on Sundays and Public Holidays.

eFiling Payment Cut-Off Times:

Day Cut-Off Time
Monday to Saturday
• 05h00 - 20h00
(Business Days)
Sunday & Public Holidays • N/A

eFiling Payment Rules:

• Once you have selected Pay, the payment will be processed immediately.

Support:
• For Navigational Assistance with eFiling, our Call Centre is available on 087 575 0000.

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8.21.1 View an eFiling Payment

Use this function to view a list of eFiling payments that you have created and exported into Online Banking.

Business Rules
• On Business Days; i.e. Monday – Saturday, the eFiling service is not available between 20h00 and
05h00 on the following Business Day.
• The eFiling service is not available on Sundays and Public Holidays.

View eFiling Payments

1. Click on the Pay tab.

2. Click on the eFiling sub-tab.

3. A list of eFiling payments that you have created and exported into Online Banking will be displayed.

8.21.1 Submit an eFiling Payment

Use this function to process an eFiling payment that you have created and exported into Online Banking.

Business Rules
• On Business Days; i.e. Monday – Saturday, the eFiling service is not available between 20h00 and
05h00 on the following Business Day.
• The eFiling service is not available on Sundays and Public Holidays.

Submit an eFiling Payment

1. Select Pay and then select the eFiling & Smart IDs sub tab.
2. A list of eFiling payments that you have created on the SARS site and exported into Online
Banking will be displayed.
3. Click on the Pay easy button for the respective payment.
4. A confirmation page will be displayed.
5. Check that the details displayed are correct and, if necessary, select Cancel to return to your list of
payments.
6. Select Pay to proceed.
7. The results page will display the status of your request.
8. Click on Finish to complete the process.
9. The respective payment will no longer reflect in your list of eFiling payments.
10. The payment will be stored in the Transaction History of your Default Payment Account.

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8.21.3 Delete an eFiling Payment
Use this function to delete an eFiling payment from Online Banking.

Business Rules
• On Business Days; i.e. Monday – Saturday, the eFiling service is not available between 20h00 and
05h00 on the following Business Day.
• The eFiling service is not available on Sundays and Public Holidays.

Delete an eFiling Payment

1. Click on the Pay tab.

2. Click on the eFiling sub-tab.

3. A list of eFiling payments that you have created and exported into Online Banking will be displayed.
4. Click on the Delete easy button for the respective payment.
5. A confirmation page will be displayed.
6. Check that the details displayed are correct and, if necessary, click on Cancel to return to your list of
payments.
7. Click Delete to proceed.
8. The results page will display the status of your request.
9. Click on Finish to complete the process.
10. The respective payment will no longer reflect in your list of eFiling payments.

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 11. Buy Tab

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11.1 Buy Tab Overview

The Buy Tab is all about convenience at your fingertips! Use this functionality to purchase a variety of
prepaid services from participating Service Providers.

Airtime & Bundles

o Purchase prepaid Airtime, SMS and Data Bundles for yourself or others from participating
Service Providers.
o Create Scheduled Prepaid purchases for Airtime & Bundles to take place automatically on a
date set by you.

Electricity
o Purchase prepaid Electricity for yourself or others from participating Municipalities and
Service Providers.

Gaming
o Enjoy the convenience and security of purchasing your gaming tickets online and having
your winnings paid directly into the purchasing account.
▪ LOTTO
▪ PowerBall

Entertainment
o Purchase prepaid entertainment packages online for yourself or others for the following
services:
▪ StarSat TV

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 Important Information about Prepaid Services Functionality

• Except for the Gaming functionality, (LOTTO and PowerBall), all other functionality
on the Buy Tab is available to both the Primary and Secondary Users on Consumer
and Business Profiles.
o Gaming functionality is only available to the Primary User of a Consumer
Profile.
o Gaming functionality is not available on a Business Profile.
• Prepaid Services functionality can only be performed by the Secondary User if the
Primary User has granted Transact Permissions to the Secondary User.
• For your security, a Daily Profile Limit applies to all Prepaid Services transactions;
this Secondary Payment Limit is pre-set and cannot be changed.
o If you use your eBucks to purchase Prepaid Services the equivalent Rand
value will accumulate towards your Secondary Payment Limits, thereby
decreasing your Total Payment Limit by that amount.
• Please ensure that you have entered the correct details before submitting your
transaction; Prepaid Services cannot be reversed as they are processed in real-time.

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Airtime & Bundles Sub-Tab

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11.2 Airtime and Bundles Overview

Use this function to purchase Airtime, SMS, Data and/or Voice Bundles for yourself or others from
participating Service Providers. The service will automatically be credited to the cellphone number
selected/entered.

The following functionality is available:

• Create and maintain an online Phonebook for your Prepaid Recipients
• Purchase Prepaid Airtime, SMS Bundles, Data Bundles and Voice Bundles.
• View and Search Prepaid Purchase History

The following prepaid vouchers and bundles can be purchased on Online Banking:

Service Provider Airtime SMS Data Voice Combo

FNB Connect Yes Yes Yes Yes N/A
Cell C Yes Yes Yes Yes All in one: Airtime,
Data & SMS
MTN Yes Yes Yes Yes N/A
Telkom Landline N/A N/A N/A Yes N/A
• PrepaidFone
• WorldCall (International Calls)
Telkom Mobile Yes N/A Yes N/A N/A
Vodacom Yes Yes Yes N/A N/A

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11.3 My Phonebook

Use this functionality to add and maintain the cellphone numbers of the recipients that you regularly
purchase Airtime and Bundles for, or that you Send eWallet payments to.

By doing so, you can make eWallet payments or send recharge vouchers to these recipients without having
to capture their cellphone number each time.

Important Information about your online Phonebook

• Please ensure that the cellphone number that you have entered is correct;
Prepaid Services and Send Money transactions cannot be reversed as they
are processed in real-time.

11.3.1 Add a Recipient to your Phonebook

Use this function to add a cellphone recipient to your online phonebook - My Phonebook.

Add a Number to your Phonebook

1. Click on the Buy tab.
2. If it is not already selected, click on the Airtime & Bundles sub-tab.
3. Select the My Phonebook view.
4. Your current Phonebook Recipients will be displayed.
5. Click on the Add table action and then click on the Add Recipient hyperlink.
6. Enter the Name and Cellphone Number of the recipient.
7. Select the recipient’s Service Provider from the drop-down menu.
8. If required, click on the (+) to add more recipient capture fields; you can add a maximum of 5
recipients per Add transaction.
9. Click on Add Recipients.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. Click on Confirm.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.

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11.3.2 Maintain a Recipient in your Phonebook

Use this function to maintain the details of a recipient in your My Phonebook.

Maintain My Phonebook
1. Click on the Buy tab.
2. If it is not already selected, click on the Airtime & Bundles sub-tab.
3. Select the My Phonebook view.
4. Your current Phonebook Recipients will be displayed.
5. Click on the quick link for the respective recipient and select the Maintain option.
6. The Phonebook Setup page will be displayed.
7. Make the required amendments.
8. Click on Update.
9. Your updated Phonebook will be displayed.

11.3.3 Delete a Recipient from your Phonebook

Use this function to permanently delete a recipient from your My Phonebook.

Delete a Recipient from your My Phonebook

1. Click on the Buy tab.
2. If it is not already selected, click on the Airtime & Bundles sub-tab.
3. Select the My Phonebook view.
4. Your current Phonebook Recipients will be displayed.
5. Click on the quick link for the respective recipient and then click on the Delete hyperlink.
6. A confirmation page will be displayed.
7. Check that this information is correct and, if necessary, click on Cancel to make amendments.
8. Click on Delete.
9. Your updated Phonebook will be displayed.

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11.4 Purchase Prepaid Airtime and Bundles for a Recipient

Use this function to purchase prepaid airtime vouchers, sms bundles and data bundles for recipients in your
Phonebook.

Important Information about Prepaid Purchases

• When purchasing for multiple recipients simultaneously you are restricted to a

maximum of 5 recipients per transaction; there is no restriction on the
number of products selected per recipient.
• Please ensure that the cellphone number and purchase options that you
have selected are correct; Prepaid Services transactions cannot be
reversed as they are processed in real-time.
• If your purchase is not confirmed, please check your Transaction History
before you try again, to avoid duplication.

Buy Airtime, SMS and Data Bundles for a Recipient

1. Click on the Buy tab.
2. If it is not already selected, click on the Airtime & Bundles sub-tab.
3. Select the My Phonebook view.
4. Your current Phonebook Recipients will be displayed.
5. Use the drop-down menu/s to select the purchase option/s for the respective recipient.
6. If required, repeat this process to purchase for multiple recipients simultaneously.
7. Use the account switcher to select the account that you would like to use to pay for the purchase/s.
8. Click on Buy.
9. A confirmation page will be displayed.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. Click Confirm to proceed.
12. A results page will display the status of your request.
13. Click on Finish to complete the process.

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11.5 Make a Once-Off Prepaid Purchase

Use this function to purchase prepaid airtime vouchers, sms bundles and data bundles for a beneficiary that
you have not added to your Phonebook.

Important Information about Prepaid Purchases

• When buying Once-Off you are restricted to one voucher type per
transaction, i.e. an Airtime, SMS, Data or Other Bundle.
• Please ensure that the cellphone number and purchase options that you
have selected are correct; Prepaid Services transactions cannot be
reversed as they are processed in real-time.
• If your purchase is not confirmed, please check your Transaction History
before you try again, to avoid duplication.

Once-Off Purchase of Airtime, SMS and Data Bundles

1. Click on the Buy tab.
2. If it is not already selected, click on the Airtime & Bundles sub-tab.
3. Select the Once-Off Purchase view.
4. The Buy capture page will be displayed.
5. Select the recipient’s Service Provider from the drop-down menu.
6. Enter the recipient’s Cellphone Number.
7. Select the Voucher Type that you would like to purchase from the drop-down menu.
8. Choose the Recharge Amount from the drop-down menu.
9. If you have selected the Flexi Recharge option, you will be required to enter a Recharge Amount.
10. Use the account switcher to select the account that you would like to use to pay for the purchase.
11. Click on Buy.
12. A confirmation page will be displayed.
13. Check that this information is correct and, if necessary, click on Edit to make amendments.
14. Click Confirm to proceed.
15. A results page will display the status of your request.
16. Click on Finish to complete the process.

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11.6 Prepaid Purchase History - Airtime & Bundles

11.6.1 View Prepaid Purchase History - Airtime and Bundles

Use this function to view the last three months of Prepaid Airtime and Bundles purchases that you made
using the accounts linked to your profile.

View Prepaid Airtime and Bundles Purchase History

1. Click on the Buy tab.
2. If it is not already selected, click on the Airtime & Bundles sub-tab.
3. Select the Purchase History view.
4. All Airtime & Bundles purchases that you have made using the accounts linked to your profile will be
displayed.
5. Click on the Product hyperlink to view the details of a specific transaction.
6. Click on Back to return to the Airtime and Bundles page.
7. Click on the Save to Phonebook easy button to save the respective recipient’s details to your My
Phonebook.

11.6.2 Search Prepaid Purchase History - Airtime and Bundles

Use this function to search your Prepaid Purchase History for a specific Airtime and Bundles transaction.

There are three Search Options:

1. Search

o Enter a minimum of three alphanumeric characters in the Search field.

o The Search Table Action does not search the Date column; if you would like to search for a
transaction by date, please use the Advanced Search option under the Search History
function.

2. Quick Search

o The Quick Search function enables you to search your Prepaid History by predefined date
periods.
o Today
o Yesterday
o Last 7, 15, 30 60 or 90 Days

3. By Date

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 o The By Date Search enables you to refine your search by:
o Product
o Date Range

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Search Prepaid History - Airtime and Bundles
1. Click on the Buy tab.
2. Click on the Menu and select Prepaid History in the extended menu.
3. All purchases that you have made using the accounts linked to your profile will be displayed on the
Prepaid History page.
4. Click on the Search button in the table actions.
5. Enter a minimum of two alphanumeric characters in the Search field.
6. The results of your search will be displayed.
7. Click on Back to return to your full Transfer History.

Perform a Quick Search of your Prepaid History - Airtime and Bundles

1. Click on the Buy tab.
2. Click on the Menu and select Prepaid History in the extended menu.
3. All purchases that you have made using the accounts linked to your profile will be displayed on the
Prepaid History page.
4. Click on the Search hyperlink on the top left of the page, above the record table.
5. Click on the Quick Search easy button.
6. Select the search period from the drop-down menu.
7. The results of your search will be displayed.
8. Click on Back to return to your full Transfer History.

Perform a By Date Search of your Prepaid History - Airtime and Bundles

1. Click on the Buy tab.
2. Click on the Menu and select Prepaid History in the extended menu.
3. All purchases that you have made using the accounts linked to your profile will be displayed on the
Prepaid History page.
4. Click on the Search hyperlink on the top left of the page, above the record table.
5. Click on the Advanced Search easy button.
6. Select the Product from the drop-down menu.
7. Enter the date range that you would like to search.
8. Click on Search.
9. The results of your search will be displayed.
10. Click on Back to return to your full Transfer History.

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Scheduled Prepaids Sub-
Tab

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11.7 Scheduled Prepaid Purchases Overview

Use this function to create and maintain Scheduled Prepaid Purchases for Airtime and Bundles.

A Scheduled Prepaid Purchase is a Prepaid Airtime and/or Bundles Purchase that you set up to take place
on a specific date; this can be a once-off purchase or a recurring purchase, with or without an expiry date.

You can schedule a Prepaid Purchase up to 365 days in advance.

Once the Scheduled Prepaid Purchase has been saved, the purchase will be processed automatically on
the date/s that you have requested without you having to log in to Online Banking.

Important Information about Scheduled Prepaid Purchases

• For your security, you must be registered for inContact messaging to

avail of the Scheduled Prepaids functionality.
• Your processed Scheduled Prepaid Purchases are stored under Prepaid
History.
• To allow sufficient time for the changes to be updated, amendments or
deletions of a Scheduled Prepaid Purchase must be submitted before
18h00 a minimum of two business days prior to the specified transaction
date.
• Scheduled Prepaid purchases are processed 7 days a week.

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11.8 Create a Scheduled Prepaid Purchase

Use this function to create a Scheduled Prepaid Purchase instruction for Airtime and Bundles.

Create a Scheduled Prepaid Purchase

1. Click on the Buy tab.
2. Click on the Scheduled Prepaids sub-tab.
3. If you have any existing Scheduled Prepaid transactions these will be displayed.
4. Click on the Add button (+) in the table actions.
5. The Add Scheduled Prepaid capture page will be displayed.
6. Select the respective Service Provider from the drop-down menu.
7. Enter the cellphone number that you would like to send the vouchers to or click on Phonebook to
select a number from your saved list of cellphone recipients.
8. Select the Voucher Type that you would like to purchase from the drop-down menu.
9. Choose the Recharge Amount from the drop-down menu.
10. If you have selected the Flexi Recharge option, you will be required to enter a Recharge Amount.
11. Enter a Name for this Scheduled Prepaid Purchase e.g. Dad.
12. Select the Start Date for the Prepaid Purchase; a purchase can be future dated up to 365 days in
advance.
13. Select the Frequency of the Prepaid Purchase from the drop-down menu.
14. Enter the End Date for the Scheduled Prepaid Purchase; you can select to end it on a specific date,
after a specific number of purchases or to leave it open ended.
15. Use the account switcher to select the account that you would like to use to pay for the purchase.
16. Click on Continue.
17. A confirmation page will be displayed.
18. Check that this information is correct and, if necessary, click on Edit to make amendments.
19. Click Confirm to proceed.
20. A results page will display the status of your request.
21. Click on Finish to complete the process.

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11.9 View Scheduled Prepaid Purchases

Use this function to view your existing Scheduled Prepaid Purchases.

The following information is available at a single glance:

• Purchase Name
• Purchase Amount
• Next Purchase Date
• Remaining Number of Purchases
• Frequency

View Scheduled Prepaid Purchases

1. Click on the Buy tab.
2. Click on the Scheduled Prepaids sub-tab.
3. Your existing Scheduled Prepaid transactions will be displayed.
4. Click on the View easy button of the respective Scheduled Prepaid Purchase to see the details.
5. Click on Back to return to your list of Scheduled Prepaids.

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11.10 Maintain a Scheduled Prepaid Purchase

Use this function to maintain the details of a Scheduled Prepaid Purchase.

The following information can be maintained:

• Purchasing Account
• Recipient Cellphone Number
• Service Provider
• Voucher Type
• Recharge Amount
• Transaction Name
• Frequency

Important Information about Maintaining Scheduled Prepaid Purchases

• To allow sufficient time for the changes to be updated, amendments to a

Scheduled Prepaid Purchase must be submitted before 18h00 a minimum
of two business days prior to the specified transaction date.
• To amend the Start Date of a Scheduled Prepaid Purchase you will need
to delete the current instruction and add a new instruction with the
required Start Date.

Maintain a Scheduled Prepaid Purchase

1. Click on the Buy tab.
2. Click on the Scheduled Prepaids sub-tab.
3. Your existing Scheduled Prepaid transactions will be displayed.
1. Click on the Maintain easy button of the Scheduled Prepaid Purchase that you would like to
permanently delete.
5. The Modify Scheduled Prepaid capture page will be displayed.
6. Make the amendments that you require and then click Update.
7. A confirmation page will be displayed.
8. Check that this information is correct and, if necessary, click on Edit to make amendments.
9. Click Confirm to proceed.
10. The results page will be displayed.
11. Click on Finish to complete the process.

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 11.11 Delete a Scheduled Prepaid Purchase

Use this function to permanently delete a Scheduled Prepaid Purchase instruction.

Important Information about Deleting Scheduled Prepaid Purchases

• To allow sufficient time for the changes to be updated, the deletion of a

Scheduled Prepaid Purchase must be submitted before 18h00 a minimum of
two business days prior to the specified transaction date.

Delete a Scheduled Prepaid Purchase

2. Click on the Buy tab.
3. Click on the Scheduled Prepaids sub-tab.
4. Your existing Scheduled Prepaid transactions will be displayed.
5. Click on the Delete easy button of the Scheduled Prepaid Purchase that you would like to amend.
6. A confirmation page will be displayed.
7. Check that this is the Scheduled Prepaid Purchase that you would like to delete and, if necessary,
click on Cancel to return to your list of Scheduled Transfers.
8. Click Confirm to proceed.
9. The results page will be displayed.
10. Click on Finish to complete the process.

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Electricity Sub-Tab

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11.12 Prepaid Electricity Overview

If you have a prepaid meter number with a participating municipality or Service Provider you can use this
function to

• Create and maintain an online Electricity Recipient List

• Purchase Prepaid Electricity Tokens
• Claim your Free Basic Electricity (FBE) Units
• View and Search Prepaid History

A full list of participating municipalities and Service Providers is available via a hyperlink on the top left of the
Electricity Sub-Tab.

Both old and new meter types are supported:

• Proprietary meters: (older meters)
o Alphanumeric
o 8 digits in length
• Standard Transfer Specification (STS) meters: (new meters)
o Numeric
o 11digits in length

• You will need the respective Meter Number to make the purchase.

Important Information about Prepaid Electricity

• Please ensure that the Meter Number that you have entered is correct as no
refunds will be made for incorrect purchases.
• A Token Number consists of five groups of four digits, e.g. 1111-2222-3333-
4444-5555
• Please note that 14% VAT is included in your prepaid electricity purchase.
• A portion of the recharge amount requested may be utilized to settle any
outstanding fees.
• For Prepaid Electricity queries please contact your Electricity Service
Provider.

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11.13 My Electricity Recipients

Use this functionality to add and maintain the meter details and cellphone numbers of the recipients that you
regularly purchase Prepaid Electricity for.

By doing so, you can purchase recharge vouchers or claim Free Basic Electricity (FBE) units for these
recipients without having to capture their details each time.

Important Information about your Electricity Recipient List

• Please ensure that the Meter Number that you have entered is correct as no
refunds will be made for incorrect purchases.
• When adding a recipient, if you do not specify a cellphone number for the
voucher to be sent to, the Send Voucher to cellphone number field will
automatically be populated with your inContact number. To change this,
simply Maintain the Recipient.

11.13.1 Add a Recipient to your Electricity Recipient List

Use this function to add a recipient to your Electricity Recipient List.

Add a Recipient to your Electricity Recipient List

1. Click on the Buy tab and then click on the Electricity sub-tab.
2. Select the My Recipients view.
3. Your current Electricity Recipients will be displayed.
4. Click on the Add table action and then click on the Add Recipient hyperlink.
5. Click on the Add Recipient hyperlink.
6. Enter the Name and Meter Number of the recipient as well as the Cellphone Number that you
want the voucher to be sent to.
7. If required, click on the (+) to add more recipient capture fields; you can add a maximum of 5
recipients per Add transaction.
8. Click on Add Recipients.
9. A confirmation page will be displayed.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. Click on Confirm.
12. A results page will display the status of your request.
13. Click on Finish to complete the process.

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11.13.2 Maintain a Recipient in your Electricity Recipient List

Use this function to maintain the details of a recipient in your Electricity Recipient List.

Maintain a Recipient
1. Click on the Buy tab and then click on the Electricity sub-tab.
2. Select the My Recipients view.
3. Your current Electricity Recipients will be displayed.
4. Click on the More easy button for the respective recipient and then click on the Maintain hyperlink.
5. The Recipient Setup page will be displayed.
6. Make the required amendments.
7. Click on Update.
8. Your updated Recipient List will be displayed.

11.13.3 Delete a Recipient from your Electricity Recipient List

Use this function to permanently delete a recipient from your Electricity Recipient List.

Delete a Recipient from your Electricity Recipient List

1. Click on the Buy tab and then click on the Electricity sub-tab.
2. Select the My Recipients view.
3. Your current Electricity Recipients will be displayed.
4. Click on the More easy button for the respective recipient and then click on the Delete hyperlink.
5. A confirmation page will be displayed.
6. Check that this information is correct and, if necessary, click on Cancel to make amendments.
7. Click on Delete.
8. Your updated Recipient List will be displayed.

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11.14 Purchase Prepaid Electricity for a Recipient

Use this function to purchase prepaid electricity units for the Recipients in your Electricity Recipient List.

When purchasing prepaid electricity, should they be available for the respective Meter Number, the Free
Basic Electricity (FBE) units will be issued simultaneously. They will have a separate Token Number.

Important Information about Prepaid Electricity Purchases

• If the selected meter number is in arrears, the outstanding amount will be

deducted from the Recharge Amount.
• When purchasing for multiple recipients simultaneously you are restricted to a
maximum of 5 recipients per transaction.
• Please ensure that the meter number that you have entered is correct as no
refunds will be made for incorrect purchases.
• To avoid duplication, if your purchase is not confirmed, please check your
Transaction History before you try again.
• Your Token Number/s will be sent to the cellphone number captured for the
respective recipient; they can also be viewed in your Purchase History.
• For meter related queries, please contact your municipality.

n.
Buy Prepaid Electricity for a Recipient
1. Click on the Buy tab and then click on the Electricity sub-tab.
2. Select the My Recipients view.
3. Your current Electricity Recipients will be displayed.
4. Use the drop-down menu to select the Buy Amount for the respective recipient/s.
5. If required, repeat this process to purchase for multiple recipients simultaneously.
6. Use the account switcher to select the account that you would like to use to pay for the purchase/s.
7. Click on Buy.
8. If a meter number is in arrears, you will be notified accordingly.
9. Click on Edit to amend the Recharge Amount or click on Continue to proceed.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. Before you can proceed you will be required to read and accept the Terms and Conditions.
13. Click Confirm to proceed.
14. A results page will display the status of your request together with your Token Number/s.
15. If the transaction was successful, the Token Number/s will be sent via sms to the cellphone number
that you captured for the respective recipient.
16. Click on Finish to complete the process.

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11.15 Purchase Prepaid Electricity Once-Off

Use this function to purchase prepaid electricity tokens for recipients that you have not added to your
Electricity Recipient List.

When purchasing prepaid electricity, should they be available for the respective Meter Number, the Free
Basic Electricity (FBE) units will be issued simultaneously. They will have a separate Token Number.

Important Information about Prepaid Electricity Purchases

• If the selected meter number is in arrears, the outstanding amount will be deducted
from the Recharge Amount.
• Please ensure that the meter number that you have entered is correct as no refunds
will be made for incorrect purchases.
• To avoid duplication, if your purchase is not confirmed, please check your
Transaction History before you try again.
• Your Token Number/s can be viewed in your Purchase History.
• For meter related queries, please contact your municipality.

• You will need the respective Meter Number to make the purchase.

Once-Off Purchase of Prepaid Electricity

1. Click on the Buy tab and then click on the Electricity sub-tab.
2. Select the Once-Off Purchase view.
3. The Buy capture page will be displayed.
4. Choose the Recharge Amount from the drop-down menu.
5. If you have selected the Flexi Recharge option, you will be required to enter a Recharge Amount.
6. Enter the recipient’s Meter Number.
7. Enter the recipient’s cellphone number in the Send Voucher To field.
8. Use the account switcher to select the account that you would like to use to pay for the purchase.
9. Click on Buy.
10. If a meter number is in arrears, you will be notified accordingly.
11. Click on Edit to amend the Recharge Amount or click on Continue to proceed.

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 12. A confirmation page will be displayed.
13. Check that this information is correct and, if necessary, click on Edit to make amendments.
14. Before you can proceed you will be required to read and accept the Terms and Conditions.
15. Click Confirm to proceed.
16. A results page will display the status of your request together with your Token Number/s.
17. If the transaction was successful, the Token Number/s will be sent via sms to the cellphone number
that you entered in the Send Voucher To field.
18. Click on Save Recipient to save these recipient details in your Electricity Recipients list,
alternatively, click on Finish to complete the process.

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11.16 Claim Free Basic Electricity (FBE) Units for a
Recipient

Use this function to claim Free Basic Electricity (FBE) Units (without purchasing Prepaid Electricity) for a
Recipient in your Electricity Recipient List.

Free Basic Electricity (FBE) is the amount of electricity deemed sufficient to provide basic electricity to a
household. The amount of FBE units that a Meter Number qualifies for is controlled by the respective
municipality.

For more information about FBE units, contact the respective municipality.

Important Information about Free Basic Electricity (FBE)

• Free Basic Electricity (FBE) is provided in accordance with the respective

municipality’s rules; the bank can only issue the units if they have been
made available by the respective municipality.
• Free Basic Electricity (FBE) can only be claimed for one recipient at a time.

• Prepaid Electricity purchases and Free Basic Electricity (FBE) transactions

are issued separate Token Numbers.
• The Token Number/s can be viewed in your Purchase History.

• Please refer all queries regarding Free Basic Electricity (FBE) to the
respective municipality.

Claim Free Basic Electricity (FBE) Units for an Electricity Recipient

1. Click on the Buy tab and then click on the Electricity sub-tab.
2. Select the My Recipients view.
3. Your current Electricity Recipients will be displayed.
4. Click on the Claim FBE easy button for the respective Recipient.
5. A confirmation page will be displayed.
6. Check that this information is correct and, if necessary, click on Edit to make amendments.
7. Before you can proceed you will be required to read and accept the Disclaimer.
8. Click on Confirm.
9. A results page will display the status of your request together with your Token Number.
10. If your transaction was successful, the Token Number will be sent via sms to the cellphone number
captured for the respective recipient.
11. Click on Finish to complete the process.

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11.17 Claim Free Basic Electricity (FBE) Units Once-Off

Use this function to claim Free Basic Electricity (FBE) Units Once-Off.

Free Basic Electricity (FBE) is the amount of electricity deemed sufficient to provide basic electricity to a
household. The amount of FBE units that a Meter Number qualifies for is controlled by the respective
municipality.

For more information about FBE units, contact the respective municipality.

Important Information about Free Basic Electricity (FBE)

• Free Basic Electricity (FBE) is provided in accordance with the respective

municipality’s rules; the bank can only issue the units if they have been made
available by the respective municipality.
• Free Basic Electricity (FBE) can only be claimed for one recipient at a time.

• Prepaid Electricity purchases and Free Basic Electricity (FBE) transactions are issued
separate Token Numbers.
• The Token Number/s can be viewed in your Purchase History.
Please refer all queries regarding Free Basic Electricity (FBE) to the respective
municipality.

Once-Off Claim of free Basic Electricity

1. Click on the Buy tab and then click on the Electricity sub-tab.
2. Select the Claim FBE Token view.
3. The FBE Once-Off Claim capture page will be displayed.
4. Enter the recipient’s Meter Number.
5. Enter the recipient’s cellphone number in the Send Token To field.
6. Click on Get Token.
7. A confirmation page will be displayed.
8. Check that this information is correct and, if necessary, click on Edit to make amendments.
9. Before you can proceed you will be required to read and accept the Disclaimer.
10. Click Confirm to proceed.
11. A results page will display the status of your request together with the Token Number.
12. If the transaction was successful, the Token Number will be sent via sms to the cellphone number
that you entered in the Send Voucher To field.
13. Click on Save Recipient to save these recipient details in your Electricity Recipients list,
alternatively, click on Finish to complete the process.

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11.18 Prepaid Electricity Purchase History

11.16.2 View Prepaid History - Electricity

Use this function to view and search the last three months of Prepaid Electricity purchases and Free Basic
Electricity (FBE) claims that you have made online.

View Prepaid Electricity Purchase History

1. Click on the Buy tab and then click on the Electricity sub-tab.
2. Select the Purchase History view.
3. The Prepaid Electricity purchases and/or FBE claims that you have made online in the last three
months will be displayed.
4. You will have the option to Save the Recipient, Buy Again or Claim FBE Token for each
transaction.
5. Click on the Product hyperlink to view the details of a specific transaction.
6. The Transaction Details will be displayed.
7. Click on Back to return to the Purchase History page.

11.16.2 Search Prepaid Purchase History - Electricity

Use this function to search your Prepaid Purchase History for a specific Electricity transaction.

Search Prepaid Purchase History - Electricity

1. Click on the Buy tab and then click on the Electricity sub-tab.
2. Select the Purchase History view.
3. The Prepaid Electricity purchases and/or FBE claims that you have made online in the last three
months will be displayed.
4. Click on the Search button in the table actions.
5. Enter a minimum of two alphanumeric characters in the Search field.
6. The results of your search will be displayed.
7. Click on Back to return to your full Purchase History.

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LOTTO Sub-Tab

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11.19 LOTTO Overview
Enjoy the convenience and security of purchasing your LOTTO tickets online and having your winnings paid
directly into the purchasing account.

Tickets can be purchased for single or multiple draw dates; the total cost for all draws will be debited to
your selected account on the day that you purchase the ticket.

LOTTO Game Options

There are three LOTTO Games:
1. LOTTO

2. LOTTO & LOTTO Plus 1

3. LOTTO, LOTTO Plus 1 and LOTTO Plus 2

LOTTO Functionality
The following LOTTO functionality and information is available on the LOTTO landing page:
• How to Play

• Play LOTTO

o View LOTTO Draw Details

o Play LOTTO
o Play LOTTO QuickPick
o View and Replay from History
• FirstRand Terms and Conditions

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Business Rules:

• LOTTO functionality is restricted to the Primary User (Profile Owner) of a Consumer Profile.
• Players must be 18 years or older.
• In order to Play LOTTO Plus 1, you need to play LOTTO.
• In order to Play LOTTO Plus 2, you need to play LOTTO and LOTTO Plus 1.
• A minimum of two boards must be played per transaction.
• Once the LOTTO transaction has been confirmed, the ticket cannot be cancelled.
• A Daily Profile Limit applies to Gaming Transactions; this limit is pre-set and cannot be changed. If
you use your eBucks to purchase your LOTTO ticket/s, the equivalent Rand value of your purchase
will be deducted from your Daily Profile Limit.
• Any winnings of R250,000.00 or less will automatically be paid into the purchasing account.
• If your winnings are greater than R250,000.00, you will be contacted by an FNB representative
within 2 business days and will be advised of the process to redeem your winnings from Ithuba.
• If you use your eBucks to play, your winnings will be paid into your selected Default Account and
not into your eBucks Account.
• Charges apply for online gaming purchases. Please refer to the pricing guide for more details.
• Contact the National Lottery Player Help Line for LOTTO queries.
• Contact Digital Banking Support for navigational queries.

• To ensure sufficient processing time, LOTTO game sales close on Online Banking at 20h30 on a
draw day.

LOTTO Cut-Off Times

Non-Draw Days
Monday
Tuesday 06h00 - 23h00
Thursday
Friday
Sunday 06h00 - 18h00
Draw Days
Wednesday
06h00 - 20h30
Saturday

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11.20 Play LOTTO

The following LOTTO functionality is available online:

• View LOTTO Draw Details

• Play LOTTO
• Play LOTTO QuickPick
• View and Replay from History

11.20.1 View LOTTO Draw Details

Use this option to view details for the respective LOTTO game.

The following information is available for each LOTTO game:

• Winning Numbers for the last draw

• LOTTO Detail and Division Winners for the last draw

• Next Estimated Jackpot

View LOTTO Game Details

1. Select Buy and then select the LOTTO sub-tab.

2. The LOTTO Buy page will be displayed.

3. On the top left of the page, click on the respective Game Name.
4. The Winning Numbers for the last draw as well as the Next Estimated Jackpot will be displayed.
5. To view more details about the last draw, select the See Details hyperlink for the respective Game.
6. Click Close to return to the LOTTO Buy page.

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11.20.2 Play LOTTO

This option enables you to select your own numbers for the LOTTO Draw.

Features:
• Select the number of Boards to play

• Select your own numbers per Board

• Select which LOTTO Game/s you would like to play

• Select to purchase your LOTTO Ticket for Single or Multiple Draw Dates

Business Rules:
• In order to Play LOTTO Plus 1, you need to play LOTTO.

• In order to Play LOTTO Plus 2, you need to play LOTTO and LOTTO Plus 1.
• A minimum of two boards must be played per transaction.

Play LOTTO
1. Select Buy and then select the LOTTO sub-tab.

2. The LOTTO Buy page will be displayed.

3. Click on the Play Now easy button.

4. The Play LOTTO capture screen will be displayed.
5. Use the account switcher to select the account that you would like to use to purchase the ticket/s.
6. Select your LOTTO Plus game option/s from the drop-down menu.
7. Select the Number of Draws that you would like this ticket to be valid for.
8. By default, two game boards are displayed, click on the + to add another game board, or click on
the x to remove a game board.
9. Click on the Board hyperlink.
10. Select your 6 numbers; double clicking on a number will deselect that number.
11. Click on Done.
12. Repeat this process for each board.
13. Once you have completed your selection for each game board click on Buy to proceed.
14. A confirmation page will be displayed.
15. Check that this information is correct and, if necessary, click on Edit to make amendments.
16. Before you can continue you will be required to accept the Terms and Conditions.
17. Click Confirm to proceed.
18. A results page will display the status of your request.
19. Click on Finish to complete the process.

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11.20.3 Play LOTTO QuickPick

This option enables the LOTTO system to generate random numbers on your behalf for the LOTTO Draw.

Features:
• Select the number of Boards to play

• The LOTTO system will generate random numbers on your behalf, per Board

• Select which LOTTO Game/s you would like to play

• Select to purchase your LOTTO Ticket for Single or Multiple Draw Dates

Business Rules:
• In order to Play LOTTO Plus 1, you need to play LOTTO.

• In order to Play LOTTO Plus 2, you need to play LOTTO and LOTTO Plus 1.
• A minimum of two boards must be played per transaction.

Play LOTTO QuickPick

1. Select Buy and then select the LOTTO sub-tab.

2. The LOTTO Buy page will be displayed.

3. Click on the Quick Pick easy button.

4. The Play LOTTO capture screen will be displayed.
5. Use the account switcher to select the account that you would like to use to purchase the ticket/s.
6. Select your LOTTO Plus game option/s from the drop-down menu.
7. Select the Number of Draws that you would like this ticket to be valid for.
8. Select the Number of Boards that you would like to play.
9. Click on Buy to proceed.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. Before you can continue you will be required to accept the Terms and Conditions.
13. Click Confirm to proceed.
14. A results page will display the status of your request.
15. Click on Finish to complete the process.

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11.20.4 View and Replay from your LOTTO History

This functionality enables you to view and/or replay any of the LOTTO games that you have played over the
past three months.

Business Rules:
• If you Replay from your LOTTO History, you cannot change the Account that was used to purchase
the ticket, your LOTTO Plus options or the Number of Draws.

View and Replay LOTTO History

1. Select Buy and then select the LOTTO sub-tab.

2. The LOTTO Buy page will be displayed.

3. Click on the View and Replay History hyperlink.

4. Your LOTTO History will be displayed.
5. Click on the View Ticket & Play easy button to view the details and numbers of the respective
ticket.
6. Click on Cancel to return to the summary of your LOTTO History or, if you would like to replay this
transaction, click on Replay.
7. A confirmation page will be displayed.
8. Check that this information is correct and, if necessary, click on Cancel to abandon the transaction.
9. Before you can continue you will be required to accept the Terms and Conditions.
10. Click Replay to proceed.
11. A results page will display the status of your request.
12. Click on Finish to complete the process.

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PowerBall Sub-Tab

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11.21 PowerBall Overview
Enjoy the convenience and security of purchasing your PowerBall tickets online and having your winnings
paid directly into the purchasing account.

Tickets can be purchased for single or multiple draw dates; the total cost for all draws will be debited to
your selected account on the day that you purchase the ticket.

PowerBall Game Options

There are two PowerBall Games:
1. PowerBall

2. PowerBall Plus

PowerBallFunctionality
The following PowerBall functionality and information is available on the POWERBALL landing page:
• How to Play

• Play PowerBall

o View PowerBall Draw Details

o Play PowerBall
o Play PowerBall QuickPick
o View and Replay from History
• FirstRand Terms and Conditions

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Business Rules:

• PowerBall functionality is restricted to the Primary User (Profile Owner) of a Consumer Profile.
• Players must be 18 years or older.
• In order to Play Powerball Plus, you need to play PowerBall.
• A minimum of two boards must be played per transaction.
• Once the PowerBall transaction has been confirmed, the ticket cannot be cancelled.
• A Daily Profile Limit applies to Gaming Transactions; this limit is pre-set and cannot be changed. If
you use your eBucks to purchase your PowerBall ticket/s, the equivalent Rand value of your
purchase will be deducted from your Daily Profile Limit.
• Any winnings of R250,000.00 or less will automatically be paid into the purchasing account.
• If your winnings are greater than R250,000.00, you will be contacted by an FNB representative
within 2 business days and will be advised of the process to redeem your winnings from Ithuba.
• If you use your eBucks to play, your winnings will be paid into your selected Default Account and
not into your eBucks Account.
• Charges apply for online gaming purchases. Please refer to the pricing guide for more details.
• Contact the National Lottery Player Help Line for PowerBall queries.
• Contact Digital Banking Support for navigational queries.

• To ensure sufficient processing time, PowerBall game sales close on Online Banking at 20h30 on a
draw day.

PowerBall Cut-Off Times

Non-Draw Days
Monday
Wednesday 06h00 - 23h00
Thursday
Saturday
Sunday 06h00 - 18h00
Draw Days
Tuesday
06h00 - 20h30
Friday

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11.22 Play PowerBall
The following PowerBall functionality is available online:
• View PowerBall Draw Details

• Play PowerBall
• Play PowerBall QuickPick
• View and Replay from History

11.22.1 View PowerBall Draw Details

Use this option to view details for the respective PowerBall game.

The following information is available for each PowerBall game:

• Winning Numbers for the last draw

• PowerBall Detail and Division Winners for the last draw

• Next Estimated Jackpot

View PowerBall Game Details

1. Select Buy and then select the PowerBall sub-tab.

2. The PowerBall Buy page will be displayed.

3. On the top left of the page, click on the respective Game Name.
4. The Winning Numbers for the last draw as well as the Next Estimated Jackpot will be displayed.
5. To view more details about the last draw, select the See Details hyperlink for the respective Game.
6. Click Close to return to the PowreBall Buy page.

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11.22.2 Play PowerBall

This option enables you to select your own numbers for the PowerBall Draw.

Features:
• Select the number of Boards to play

• Select your own numbers per Board

• Select which PowerBall Game/s you would like to play

• Select to purchase your PowerBall Ticket for Single or Multiple Draw Dates

Business Rules:
• In order to Play PowerBall Plus, you need to play PowerBall.

• A minimum of two boards must be played per transaction.

Play PowerBall
1. Select Buy and then select the PowerBall sub-tab.

2. The PowerBall Buy page will be displayed.

3. Click on the Play Now easy button.

4. The Play PowerBall capture screen will be displayed.

5. Use the account switcher to select the account that you would like to use to purchase the ticket/s.
6. Click on the Yes or No button to indicate if you would like to play PowerBall Plus.
7. Select the Number of Draws that you would like this ticket to be valid for.
8. By default, two game boards are displayed, click on the + to add another game board, or click on
the x to remove a game board. (A minimum of two boards must be played per transaction)
9. Click on the Board hyperlink.
10. Select your 5 numbers; double clicking on a number will deselect that number.
11. Select your PowerBall Number.
12. Click on Done.
13. Repeat this process for each board.
14. Once you have completed your selection for each game board click on Buy to proceed.
15. A confirmation page will be displayed.
16. Check that this information is correct and, if necessary, click on Edit to make amendments.
17. Before you can continue you will be required to accept the Terms and Conditions.
18. Click Confirm to proceed.
19. A results page will display the status of your request.
20. Click on Finish to complete the process.

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11.22.3 Play PowerBall QuickPick

This option enables the PowerBall system to generate random numbers on your behalf for the PowerBall
Draw.

Features:
• Select the number of Boards to play

• The PowerBall system will generate random numbers on your behalf, per Board

• Select which PowerBall Game/s you would like to play

• Select to purchase your PowerBall Ticket for Single or Multiple Draw Dates

Business Rules:
• In order to Play PowerBall Plus, you need to play PowerBall.

• A minimum of two boards must be played per transaction.

Play PowerBall QuickPick

1. Select Buy and then select the PowerBall sub-tab.

2. The PowerBall Buy page will be displayed.

3. Click on the Quick Pick easy button.

4. The Play PowerBall capture screen will be displayed.

5. Use the account switcher to select the account that you would like to use to purchase the ticket/s.
6. Click on the Yes or No button to indicate if you would like to play PowerBall Plus.
7. Select the Number of Draws that you would like this ticket to be valid for.
8. Select the Number of Boards that you would like to play.
9. Click on Buy to proceed.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. Before you can continue you will be required to accept the Terms and Conditions.
13. Click Confirm to proceed.
14. A results page will display the status of your request.
15. Click on Finish to complete the process.

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11.22.4 View and Replay from your PowerBall History

This functionality enables you to view and/or replay any of the PowerBall transactions that you have played
over the past three months.

Business Rules:

• If you Replay from your PowerBall History, you cannot change the Account that was used to
purchase the ticket, your game options or the Number of Draws.

View and Replay from PowerBall History

1. Select Buy and then select the PowerBall sub-tab.

2. The PowerBall Buy page will be displayed.

3. Click on the View and Replay History hyperlink.

4. Your PowerBall History will be displayed.
5. Click on the View Ticket & Replay easy button to view the details and numbers of the respective
ticket.
6. Click on Cancel to return to the summary of your PowerBall History or, if you would like to replay
this transaction, click on Replay.
7. A confirmation page will be displayed.
8. Check that this information is correct and, if necessary, click on Cancel to abandon the transaction.
9. Before you can continue you will be required to accept the Terms and Conditions.
10. Click Replay to proceed.
11. A results page will display the status of your request.
12. Click on Finish to complete the process.

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Entertainment Sub-Tab

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11.23 Entertainment Overview

Use this function to purchase prepaid entertainment packages online for yourself or others for the following
services:

• StarSat TV

The purchase amount will automatically be credited to the Smartcard number selected/entered.

The following functionality is available:

• StarSat TV
o Buy a StarSat TV Package
o View a History of all your StarSat TV transactions

Important Information about Entertainment Transactions

• Please ensure that the Smartcard Number that you have entered is correct
as no refunds will be made for incorrect purchases.
• For navigational queries please contact Digital Banking Support.
• For product and service related queries please contact the Service Provider.

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11.24 StarSat TV Overview

Use this function to purchase prepaid StarSat TV packages online for yourself or others.

The purchase amount will automatically be credited to the Smartcard number selected/entered.

The following functionality is available:

• StarSat TV
o Buy a StarSat TV Package
o View a History of all your StarSat TV transactions

11.25 Buy Prepaid StarSat TV Packages

Buy Prepaid StarSat TV Packages

1. Click on the Buy tab and click on the Entertainment sub-tab.
2. Click on the StarSat icon.
3. The Buy capture page will be displayed.
4. Select the Package Type.
5. Select a previously used Smartcard Number from the drop-down menu or enter a new
Smartcard Number.
6. Use the account switcher to select the account that you would like to use to pay for the
purchase.
7. Click on Buy.
8. A confirmation page will be displayed.
9. Check that this information is correct and, if necessary, click on Edit to make amendments.
10. Before you can continue you will be required to accept the Terms and Conditions.
11. Click Confirm to proceed.
12. A results page will display the status of your request.
13. If the result of your purchase was successful, an SMS will be sent by StarSat TV to confirm that
the Smartcard has been topped up; this confirmation message will be sent to the cellphone
number registered with StarSat for the respective Smartcard Number.
14. Click on Finish to complete the process.

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11.26 View StarSat TV Purchase History

Use this function to view your StarSat TV purchase history.

View StarSat TV Purchase History

1. Click on the Buy tab and click on the Entertainment sub-tab.
2. Click on the StarSat icon.
3. Select the History view.
4. A list of your StarSat transactions will be displayed.

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 9. Connect Tab

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12.1 Connect Tab Overview

The Connect tab functionality enables you to view and maintain the FNB Connect SIM Cards that are linked
to your Online Banking profile.

A SIM (Subscriber Identity Module) Card enables the mobile network infrastructure to identify each subscriber.

There are three types of SIM Card subscriptions:

• Contract (Available to Consumers only)
• Top-Up (Available to Consumers only)
• Prepaid (Available to Consumers and Businesses)

Important Information about SIM Cards

• All SIM Card functionality is restricted to the Primary User (Profile Owner) of a
Consumer and/or Business Profile.
• SIM Card functionality is dependent on the subscription type for the respective
SIM Card; i.e. Contract, Top-Up or Prepaid.

The following functionality is available on the Connect tab:

• View Linked SIM Cards

• Link a SIM Card to your Profile
• Activate a SIM Card
• Top-Up a SIM Card
• Maintain SIM Card Settings

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12.2 View SIM Cards

Use this function to view the SIM Cards that are linked to your profile.

The following balances are displayed for each SIM Card:

• Airtime
• Voice
• SMS
• Data

Important Information about Viewing SIM Cards

• This functionality is available to all subscription types.

View SIM Cards

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your profile will be displayed together with their current balance/s.
3. The SIM Cards are grouped by Subscription Type, i.e. Contract, Top-Up or Prepaid.
4. The Name of the SIM Card can be changed in the FNB Connect Settings view, simply click on the
Name hyperlink.

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12.3 Link SIM Card to My Profile

If you are in possession of an FNB Connect SIM Card, you can use this function to link the new SIM Card to
your Online Banking profile.

Important Information about Linking a SIM Card to your Profile

• This functionality is available to all subscription types.

• The maximum amount of SIM Cards that can be linked to a profile is 20.
• These 20 SIM Cards must comprise of a maximum of 10 Contract SIM Cards
and a combined maximum of 10 Top-Up and Prepaid SIM Cards.
• There is a service fee for linking a SIM Card to your profile.

• You must be in possession of the respective SIM Card to link it to your profile.
• You will require the 12-digit RICA Number for the SIM Card.

Link SIM Card

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the ‘I already have a SIM Card’ hyperlink below your list of SIM Cards.
4. The Link SIM to My Profile capture page will be displayed.
5. Select the account that you would like to use to pay the service fees for this SIM Card.
6. Enter the 12-digit RICA Number for the respective SIM Card in the fields provided.
7. Click on Submit.
8. The Security Verification page will be displayed.
9. Enter your Cheque Card Number and PIN in the fields provided.
10. Click on Submit.
11. A results page will display the status of your request.
12. Click on Finish to complete the process.

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12.4 Activate a SIM Card

Use this function to activate an inactive SIM Card.

Important Information about Activating a SIM Card

• This functionality is available to all subscription types.

• Once activated, your SIM Card will be activated for use within 2 - 48 hours.

• You must be in possession of the respective SIM Card to activate it.

Activate SIM Card

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Activate easy button for the respective SIM Card.
4. The details for the selected SIM Card will be displayed.
5. You will be required to confirm that you are in possession of the SIM Card.
6. Click on Yes.
7. The results page will display the status of your request.
8. If the activation was successful, you can click on the One-Time PIN hyperlink to change your current
OTP contact number to the cellphone number for this SIM Card.

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12.5 Top-Up a SIM Card

Use this function to top-up your SIM Card with additional Airtime, Voice, SMS and/or Data Bundles.

Important Information about Topping-Up a SIM Card

• This functionality is available to all subscription types.

• The Voucher Types on offer are based on the subscription type of the
respective SIM Card; i.e. Contract, Top-Up or Prepaid.

Top-Up SIM Card

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Top-Up easy button for the respective SIM Card.
4. The Top-Up capture page will be displayed.
5. Use the respective drop-down menus to select the amount/s that you require.
6. Use the account switcher to select the account that you would like to use to make the purchase.
7. Click on Buy.
8. A confirmation page will be displayed.
9. Check that this information is correct and, if necessary, click on Edit to make amendments.
10. Click on Confirm.
11. A results page will display the status of your request.
12. Click on Finish to complete the process or click on Add to Phonebook to add this number to your
My Phonebook.
13. Click on Add.
14. A results page will display the status of your request.
15. Click on Finish to complete the process.

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12.6 View SIM Card Settings

Use this function to view your SIM Card Settings.

Important Information about SIM Card Settings

• This functionality is available to all subscription types.

• The information displayed on the dashboard is determined by the type of
subscription for the respective SIM Card; i.e. Contract, Top-Up or Prepaid.

View SIM Card Settings

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.

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12.7 Maintain SIM Card Settings

Use this function to maintain your SIM Card settings.

Important Information about Maintaining your SIM Card Settings

• The functionality available to you on the FNB Connect Settings dashboard

is determined by the subscription type of the respective SIM Card; i.e.
Contract, Top-Up or Prepaid.

The following functionality is available on the FNB Connect Settings dashboard:

SIM Card Settings Contract Top-Up Prepaid

My SIM
Maintain SIM Nickname Yes Yes Yes
Block / Unblock SIM Yes Yes Yes
SIM Usage
View SIM Card Usage Yes Yes Yes
View, Create, Maintain and/or Delete Auto Top-Ups No Yes Yes
SIM Management
View PUK Yes Yes Yes
Order Replacement SIM Card Yes Yes Yes
SIM Swap Yes Yes Yes
Call Management
Call Forwarding Yes Yes Yes
Multi-Party Conferencing Yes Yes Yes
International Services
Manage Outgoing Calls Yes Yes Yes
SMS Roaming Yes No No
Full Roaming Yes No No
My Account
Transfer funds into an FNB Connect account Yes No No
Set SIM Limit Yes No No
Maintain Billing Details Yes Yes No
Notifications
Maintain Notification Details Yes Yes Yes

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 Downloads
Maintain Itemised Billing Yes No No
Download Billing Documents Yes Yes No

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12.7.1 My SIM

Use this function to view and maintain your basic SIM Details.

The following functionality is available:

• Maintain Nickname
• Block SIM
• Unblock SIM

Change the Nickname of your SIM Card

You can provide your own Nickname for your SIM Cards. This is particularly useful if you have numerous SIM
Cards as it will assist you to identify each card in a way that makes sense to you.

Important Information about your SIM Card Nickname

• This functionality is available to all subscription types.

• A Nickname can be a minimum of 1 character and a maximum of 30
characters.
• A Nickname may consist of, letters, numbers, special characters and spaces

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the My SIM section, enter a new Nickname for the SIM Card.
6. Click on Update.
7. A confirmation page will display the changes that you have made.
8. Check that this information is correct and, if necessary, click on Cancel to return to the FNB Connect
settings page.
9. Click on Confirm.
10. A results page will display the status of your request.
11. Click on Finish to complete the process

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Block SIM

Use this function to block a SIM Card.

Reasons to block a SIM Card include:

• Lost SIM
• Stolen SIM
• Temporary Block

Important Information about Blocking a SIM Card

• This functionality is available to all subscription types.

• Once a SIM Card is blocked you will not be able to make and receive any
calls or send and receive SMSs on that number.
• There is a Delivery Fee when ordering a new SIM.

Block SIM

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the My SIM section, click on the Block SIM easy button.
6. The Block SIM capture page will be displayed.
7. Select the Reason for blocking the SIM from the drop-down menu.
8. Click on Block.
9. A results page will display the status of your request.
10. Click on Finish to complete the process or click on Order New SIM to replace the SIM Card.
11. The Order Replacement SIM capture page will be displayed.
12. Select the SIM Type from the drop-down menu.
13. Complete your personal details in the fields provided.
14. Click on Order.
15. A confirmation page will be displayed.
16. Before you can continue you will be required to accept the declaration.
17. Check that this information is correct and, if necessary, click on Edit to make amendments.
18. Click on Confirm.
19. A results page will display the status of your request.
20. Click on Finish to complete the process

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Unblock SIM

Use this function to unblock a blocked SIM Card.

Important Information about Unblocking a SIM Card

• This functionality is available to all subscription types.

• You can only Unblock a SIM that was blocked by you.
• Once a SIM Card is unblocked you will be able to make and receive calls or
send and receive SMSs on that number.

Unblock SIM

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the My SIM section, click on the Unblock SIM easy button.
6. A confirmation page will be displayed.
7. Check that this information is correct and, if necessary, click on Cancel to stop the process.
8. Click on Unblock.
9. A results page will display the status of your request.
10. Click on Finish to complete the process.

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12.7.2 SIM Usage

Use this function to view a breakdown of how a SIM Card is being used.

The following information and functionality is available:

• View SIM Usage (Airtime, Voice, Data and SMS balances)
• Top-Up a Bundle
• Create and Maintain an Auto Top-Up

View SIM Usage

Use this function to view a graphical representation of how a SIM Card is being used.

You can view the remaining balance of all applicable bundles on a SIM Card:
• Airtime
• Voice
• Data
• SMS

Important Information about Viewing SIM Usage

• This functionality is available to all subscription types.

View SIM Usage

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the SIM Usage section, a graphical representation of your SIM Usage will be displayed.
6. The amounts at the end of the graph indicate the allocation amount for each bundle, while the numbers
on the horizontal line indicate what your remaining balances are.
7. Click on the respective bundle hyperlink to view a breakdown of the bundle structure.
8. Click on Back to return to the FNB Connect Settings dashboard.

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View Auto Top-Ups

Use this function to view existing Auto Top-Up instruction/s.

Important Information about Viewing Auto Top-Ups

• This functionality is limited to Top-Up and Prepaid subscriptions.

View Auto Top-Ups

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the SIM Usage section, click on the Auto Top-Up hyperlink.
6. Your existing Auto Top-Ups will be displayed.
7. Click on the Name hyperlink to view the details of the Auto Top-Up.

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Create an Auto Top-Up

Use this function to create an Auto Top-Up which will take place automatically on a date or an amount set by
you.

Important Information about Creating an Auto Top-Up

• This functionality is limited to Top-Up and Prepaid subscriptions.

• You can only set up an Auto Top-Up for one voucher type at a time.

Create Auto Top-Up

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the SIM Usage section, click on the Auto Top-Up hyperlink.
6. If you have any existing Auto Top-Ups these will be displayed.
7. Click on the Add table action and then click on the Create hyperlink.
8. The Add Auto Top-Up capture page will be displayed.
9. Enter a Name for the Auto Top-Up.
10. Complete the Top-Up details in the fields provided.
11. Select the account that you would like to use to pay for the Scheduled Top-Up.
12. Click on Add.
13. A confirmation page will be displayed.
14. Check that this information is correct and, if necessary, click on Edit to make amendments.
15. Click on Confirm.
16. A results page will display the status of your request.
17. Click on Finish to complete the process.
18. Your new Auto Top-Up will now display on the Auto Top-Up landing page.

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Maintain an Auto Top-Up

Use this function to maintain an existing Auto Top-Up instruction.

The following details can be maintained:

• Top-Up Name
• Voucher Type
• Amount
• Maximum Limit
• Frequency
• Account

Important Information about Maintaining an Auto Top-Up

• This functionality is limited to Top-Up and Prepaid subscriptions.

• If you would like to change the event for the Auto Top-Up; i.e. By Date or By
Amount, you will need to delete the current instruction and add a new instruction
with the required event.
• To amend the Start Date of an Auto Top-Up you will need to delete the current
instruction and add a new instruction with the required Start Date.

Maintain Auto Top-Up

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the SIM Usage section, click on the Auto Top-Up hyperlink.
6. Your existing Auto Top-Ups will be displayed.
7. Click on the Maintain easy button for the respective instruction.
8. The Maintain Auto Top-Up capture page will be displayed.
9. Make the amendments as required.
10. Click on Update.
11. A confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. Click on Confirm.
14. A results page will display the status of your request.
15. Click on Finish to complete the process.

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Delete an Auto Top-Up

Use this function to permanently delete an existing Auto Top-Up instruction.

Important Information about Maintaining Auto Top-Ups

• This functionality is limited to Top-Up and Prepaid subscriptions.

Delete Auto Top-Up

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the SIM Usage section, click on the Auto Top-Up hyperlink.
6. Your existing Auto Top-Ups will be displayed.
7. Click on the Delete easy button for the respective instruction.
8. A confirmation page will be displayed.
9. Check on No to cancel the request or on Yes to delete the instruction.
10. A results page will display the status of your request.
11. Click on Finish to complete the process.

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12.7.3 SIM Management

Use this function to manage a SIM Card.

The following functionality is available:

• View PUK
• Order Replacement SIM
• SIM Swap

View PUK

Use this function to view the PUK number for a SIM Card.

The PUK (PIN Unlocking Key) Number is a unique number saved on a SIM Card which is required to unlock
the Reset PIN functionality on that SIM Card.

Important Information about Viewing a PUK Number

• This functionality is available to all subscription types.

View PUK Number

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the SIM Management section, click on the View easy button for the View PUK option.
6. The View PUK page will display the PUK Number for the respective SIM Card.
7. You can Print this page.
8. Click on Close to complete the process.

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Order Replacement SIM

If your SIM Card has been damaged, lost or stolen you can use this function to order a replacement SIM Card.

Important Information about Ordering a Replacement SIM

• This functionality is available to all subscription types.

• Please note that there is a Delivery Fee for a new SIM Card.

Order Replacement SIM

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the SIM Management section, click on the Order easy button for the Order Replacement SIM
option.
6. The Order Replacement SIM capture page will be displayed.
7. Select the SIM Type from the drop-down menu.
8. Complete the Delivery Details in the fields provided.
9. Click on Order.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. Before you can continue you will be required to click in the check box to acknowledge the declaration.
13. Click on Confirm.
14. A results page will display the status of your request.
15. Click on Finish to complete the process.

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SIM Swap

Use this function to perform a SIM swap. A SIM swap will enable you to use the respective cellphone number
on a new SIM Card.

Important Information about Performing a SIM Swap

• This functionality is available to all subscription types.

• A SIM Swap Fee applies.

• You must be in possession of the new SIM Card as you will need the 12-digit
RICA number to complete the process.

Perform a SIM Swap

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the SIM Management section, click on the Swap easy button for the SIM Swap option.
6. The SIM Swap capture page will be displayed.
7. Enter the RICA Number of the new SIM Card in the fields provided.
8. Click on Continue.
9. The Security Verification page will be displayed.
10. Enter your Cheque Card Number and PIN in the fields provided.
11. Click on Submit.
12. A results page will display the status of your request.
13. Click on Finish to complete the process.

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12.7.4 Call Management

The Call Management functionality enables you to manage your availability on a cellphone number/ SIM Card.

The following functionality is available:

• Call Forwarding
• Multi-Party Conferencing

Important Information about Call Management

• This functionality is available to all subscription types.

• Please note that there is a fee for Call Management options.

Call Forwarding

Use this function to set up call forwarding instructions for the respective SIM Card. Calls are diverted to
voicemail by default, but you can change this to another cellphone or telephone number.

Important Information about Call Forwarding

• This functionality is available to all subscription types.

• Please note that there is a fee for Call Forwarding:
o Both the caller and the called party will be charged for the call.
o The party to which the call is forwarded to will not be charged.

Set up Call Forwarding

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the Call Management section, click on the respective easy button to select the desired destination
for your calls, i.e. to Voicemail or to Other.

Voicemail

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 6. If you selected Voicemail you will not be required to complete any further information.

Other

6. If you selected Other Number, you will be required to enter the 10-digit number (cellphone number
or telephone number with three digit dialling code) that you would like to forward your calls to.

7. Click on Update.
8. A confirmation page will be displayed.
9. Check that this information is correct and, if necessary, click on Cancel to abandon the process.
10. Click on Confirm.
11. A results page will display the status of your request.
12. Click on Finish to complete the process.

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Multi-Party Conferencing

Use this functionality to manage your Multi-Party Conferencing facility for the respective SIM Card. Multi-Party
Conferencing is switched off by default but you can manage this at any time.

Multi-Party Conferencing enables you to initiate a conference call with up to 5 other parties at the same time.

Important Information about Multi-Party Conferencing

• This functionality is available to all subscription types.

• Please note that there is a fee for Multi-Party Conferencing.

Manage Multi-Party Conferencing

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the Call Management section, click on the respective easy button to activate or deactivate Multi-
Party Conferencing; i.e. On or Off.
6. Click on Update.
7. A confirmation page will be displayed.
8. Check that this information is correct and, if necessary, click on Cancel to abandon the process.
9. Click on Confirm.
10. A results page will display the status of your request.
11. Click on Finish to complete the process.

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12.7.5 International Services

Use this function to manage the International Services on a SIM Card.

The following options can be managed online:

• Outgoing Calls (International Calls)
• SMS Roaming
• Full Roaming

Important Information about International Services

• This functionality available is determined by the subscription type of the

respective SIM Card.
• Please note that there is a fee for International Services.

Outgoing Calls (International Calls)

Use this function to activate or deactivate the option to make Outgoing International Calls from the respective
SIM Card. You can make outgoing international calls from South Africa to any destination abroad when this
function is turned on.

Important Information about Outgoing International Calls

• This functionality is available to all subscription types.

• Please note that there is a fee for Outgoing International Calls.

Manage Outgoing International Calls

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the International Services section, click on the respective easy button to activate or deactivate
Outgoing International Calls; i.e. On or Off.
6. Click on Update.
7. A confirmation page will be displayed.

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 8. Check that this information is correct and, if necessary, click on Cancel to abandon the process.
9. Click on Confirm.
10. A results page will display the status of your request.
11. Click on Finish to complete the process.

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SMS Roaming

Use this function to activate or deactivate the SMS Roaming option on the respective SIM Card.

SMS Roaming enables you to send and receive SMSs while in South Africa or abroad. You will not be able to
use Data or make any voice calls. It is recommended that you turn off SMS Roaming when you return to South
Africa.

Important Information about SMS Roaming

• This functionality is limited to Contract subscriptions.

• Please note that there is a fee for SMS Roaming.
• Inclusive SMS bundles cannot be used while roaming.
• There may be up to a 3-month delay for SMS Roaming charges to reflect on
your invoice.

Manage SMS Roaming

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the International Services section, select the SMS Roaming option from the Roaming drop-down
menu.
6. Click on Update.
7. A confirmation page will be displayed.
8. Check that this information is correct and, if necessary, click on Cancel to abandon the process.
9. Before you can continue you will be required to Accept the Terms and Conditions.
10. Click on Confirm.
11. A results page will display the status of your request.
12. Click on Finish to complete the process.

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Full Roaming

Use this function to activate or deactivate the Full Roaming options on the respective SIM Card.

While travelling abroad, Full Roaming enables you to:

• Make and Receive Voice Calls
• Use Data
• Send and Receive SMSs

Important Information about Full Roaming

• This functionality is limited to Contract subscriptions.

• Please note that there is a fee for Full Roaming.
• Inclusive Data, Voice and SMS bundles cannot be used while roaming.
• There may be up to a 3-month delay for Full Roaming charges to reflect on
your invoice.

Manage Full Roaming

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the International Services section, select the Full Roaming option from the Roaming drop-down
menu.
6. Click on Update.
7. A confirmation page will be displayed.
8. Check that this information is correct and, if necessary, click on Cancel to abandon the process.
9. Before you can continue you will be required to Accept the Terms and Conditions.
10. Click on Confirm.
11. A results page will display the status of your request.
12. Click on Finish to complete the process.

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12.7.6 My Account

Use this function to manage the respective SIM Card account.

The following functionality is available online:

• Transfer Funds into Account
• Set SIM Limit
• Maintain Billing Details
• Maintain Notification Details
• Manage Downloads (Itemised Billing and Invoices)

Important Information about My Account functionality

• This functionality available is determined by the subscription type of the

respective SIM Card.

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Transfer

Use this function to transfer funds into an FNB Connect Account to increase the Credit Limit on the respective
SIM Card.

Important Information about Transferring Funds to an FNB Connect Account

• This functionality is limited to Contract subscriptions.

Transfer Funds to an FNB Connect Account

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. Your Credit Limit and Current Balance are displayed in the My Account section.
6. Click on the Transfer easy button below the Credit Limit.
7. The Transfer From capture page will be displayed.
8. Select the Account you would like to transfer the funds from.
9. Enter the Amount that you would like to Transfer.
10. Enter a To and From Reference for statement purposes.
11. Click on Transfer.
12. A confirmation page will be displayed.
13. Check that this information is correct and, if necessary, click on Cancel to abandon the process.
14. Click on Confirm.
15. A results page will display the status of your request.
16. Click on Finish to complete the process.

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Set SIM Limit

Use this function to control spending by setting a maximum billing limit for the respective SIM Card. Once this
limit is reached the SIM Card can not be used until the Credit Limit is increased; i.e. until the new billing cycle
starts or funds are transferred into the FNB Connect account.

This limit only applies to your SIM card usage within South Africa and not while roaming abroad

Important Information about SIM Limits

• This functionality is limited to Contract subscriptions.

• The minimum amount that can be set must be equal to or greater than the
subscription value for the respective SIM Card.
• The SIM Limit cannot exceed your Credit Limit.
• This limit only applies to your SIM card usage within South Africa and not
while roaming abroad.

Set SIM Limit

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. Your Credit Limit and Current Balance are displayed in the My Account section.
6. Enter a limit amount in the Set SIM Limit field.
7. Click on Update.
8. A confirmation page will be displayed.
9. Check that this information is correct and, if necessary, click on Cancel to abandon the changes.
10. Click on Confirm.
11. A results page will display the status of your request.
12. Click on Finish to complete the process.

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Maintain Billing Details

Use this function to maintain your billing details for a Contract or Top-Up subscription.

The following information can be maintained online:

• Billing Account
• Billing Date (Contract subscription only)
• Email Address

Important Information about Billing Details

• This functionality is limited to Contract and Top-Up subscriptions.

• The debit order date for a Top-Up subscription is pre-set to the 25th of every
month; this date can not be changed.

Maintain Billing Details

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the My Account section, select the Bill From account from the drop-down list.
6. If you have a Contract subscription, select the preferred Bill Me On date from the drop-down menu.
7. Enter an email address in the Email My Bills to field.
8. Click on Update.
9. A confirmation page will be displayed.
10. Check that this information is correct and, if necessary, click on Cancel to abandon the changes.
11. Click on Confirm.
12. A results page will display the status of your request.
13. Click on Finish to complete the process.

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12.7.7 Notifications

Use this function to maintain your Notification details.

A low balance notification will be sent to the cellphone number of the SIM Card that is running low on funds.
These notifications will also be sent to the secondary cellphone number and the email address that you specify
in your Notifications details.

The following information can be maintained online:

• Cellphone Number
• Email Address

Important Information about Notifications

• This functionality is available to all subscription types.

Maintain Notification Details

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the Notifications section, enter the secondary Cellphone Number that you would like your low
balance notifications for this SIM Card to be sent to.
6. Enter an Email Address for these notifications.
7. Click on Update.
8. A confirmation page will be displayed.
9. Check that this information is correct and, if necessary, click on Cancel to abandon the changes.
10. Click on Confirm.
11. A results page will display the status of your request.
12. Click on Finish to complete the process.

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12.7.8 Downloads

Use this function to manage your billing options.

The following functionality is available:

• Maintain Itemised Billing
• Download Billing Documents

Maintain Itemised Billing

Use this function to switch the Itemised Billing option on or off for a Contract SIM Card.

Itemised Billing contains detailed information about Call, Data, SMS and other usage on the SIM Card.

Important Information about Itemised Billing

• This functionality is limited to Contract subscriptions.

• There is a monthly fee for Itemised Billing.
• If you subscribe during the month, your first Itemised Bill will only be available
with the following month’s invoice.

Maintain Itemised Billing

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the Downloads section, click on the respective easy button to switch Itemised Billing for this SIM
Card On or Off.
6. Click on Update.
7. A confirmation page will be displayed.
8. Check that this information is correct and, if necessary, click on Cancel to abandon the changes.
9. Click on Confirm.
10. A results page will display the status of your request.
11. Click on Finish to complete the process.

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Download Billing Documents

Use this function to download the billing documents for a SIM Card.

Important Information about Downloading Billing Documents

• This functionality is limited to Contract and Top-Up subscriptions.

• The last 12 Billing Documents are available online; the 3 latest documents
are available for free, anything older than 3 months will be charged for.

Download Billing Documents

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. In the Downloads section, click on the respective Billing Documents easy button, i.e. Itemised or
Invoice.
6. The Itemised/Invoice capture page will be displayed.
7. Click on the respective easy button to select the required delivery mechanism for the Billing
Document; i.e. via Email or Download.
8. Select the Invoice Period from the drop-down menu.

Email

9. Enter the Email Address.

10. Click on Continue.
11. A confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. Click on Confirm.
14. A results page will display the status of your request.
15. Click on Finish to complete the process.

Download

1. Click on Download.
2. Click on Save to save the document in your Downloads folder.

12.8 SIM Card Transaction History

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Use this function to view the Transaction History for a SIM Card.

Important Information about Downloading Billing Documents

• This functionality is available to all subscription types.

View Transaction History

1. Click on the Connect tab.

2. A list of the SIM Cards linked to your Online Banking profile will be displayed.
3. Click on the Name hyperlink of the respective SIM Card.
4. The FNB Connect Settings dashboard will be displayed.
5. Click on the Transaction History view.
6. The Transaction History for the respective SIM Card will be displayed.
7. Click on Back to return to the FNB Connect Settings dashboard.

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 13. Send Money Tab

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13.1 Send Money Overview

Send Money enables you to send money instantly to anyone with a valid South African cellphone number;
the recipient can withdraw the funds immediately at any FNB ATM using their cellphone.

The recipient will receive an SMS with instructions on how to withdraw the cash from the the eWallet.

If the recipient is an FNB client, they can link the eWallet to their FNB profile; this will enable them to transfer
money from the eWallet to their FNB account.

The following functionality is available:

• Create and maintain an online Phonebook for your eWallet Recipients
• Send Money to an existing eWallet Recipient or make a Once-Off Payment
• View and Search your eWallet History

Business Rules:
• Send Money transactions can be performed by both Primary and Secondary Users.
• For your security, a Daily Profile Limit applies to Send Money transactions; this limit is pre-set and
cannot be changed.
o The maximum daily transaction limit for all Send Money transactions via your profile is:
▪ Individual / Retail Clients: R5,000.00 per day
▪ Business Clients: R3,000.00 per day
• The maximum balance that can be held in an eWallet is R5000.00, if a Send Money transaction is
sent to a recipient and the payment will result in a balance in excess of R5,000.00 in the eWallet, the
send Money transaction will fail.
• The maximum daily spend (Withdrawals and Purchases) from an eWallet may not exceed
R5,000.00.
• The minimum payment amount for a Send Money transaction is R20.00
• Please ensure that you capture the recipient’s details correctly; Send Money transactions are
processed in real-time and can not be cancelled.
There is a fee to Reverse an eWallet payment.
• For queries about Send Money please contact the eWallet Call Centre on 087 575 9405.

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Send Money to eWallet
Sub-Tab

Online Banking User Guide RMB Private Bank 464

13.2 eWallet - How it Works

The Send Money to eWallet functionality enables you to send money to a recipient via the recipient's local
cellphone number; the recipient does not require a bank account and can withdraw these funds at any FNB
ATM without an ATM Card.

When money is sent to the recipient, an eWallet is created using the recipient's cellphone number as the
account number.

The eWallet holder will receive an SMS notification with instructions on how to access the money sent to
them and will be required to set up a once-off ATM PIN via a dial string. Alternatively, when you create the
eWallet payment you can select the Send ATM PIN to Recipient option, providing the recipient with an ATM
PIN instantly; this PIN will be available for 16 hours.

The eWallet holder can access the funds immediately via an FNB ATM using the ATM PIN; there are no
ATM charges.

Although the recipient may withdraw all the funds in a single transaction, the maximum daily spend
(Withdrawals and Purchases) from an eWallet may not exceed R5,000.00.

If the eWallet holder is an existing FNB client, they can transfer the funds from their eWallet into an account
linked to their profile.

Business Rules:
• If you are a recipient of a Send Money transaction and you link your eWallet account to your Online
Banking profile; please note that functionality on an eWallet account via Online Banking is limited
to transfers in or out of the account.
• If you are making a once-off payment to a recipient that has upgraded their eWallet to an Easy
Zero account, the option to send an ATM PIN will not be displayed as the recipient is already in
possession of an FNB card and PIN.
• For queries about Send Money please contact the eWallet Call Centre on 087 575 9405.

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13.3 My Phonebook - eWallet Recipients

Use this functionality to add and maintain the cellphone numbers of the recipients that you regularly Send
eWallet payments to in your own eWallet Phonebook.

By doing so, you can make eWallet payments to these recipients without having to capture their details each
time.

Business Rules:
• Please ensure that the cellphone number that you have entered is correct; Send Money
transactions cannot be reversed as they are processed in real-time.

• The Name and Cellphone Number of the recipient need to be unique; i.e. you cannot have two
recipients called John, you would need to add their surname to differentiate between them. Likewise,
you cannot use the same cellphone number for different recipients.

13.3.1 Add a Recipient to your eWallet Phonebook

Use this function to add a recipient to your eWallet Phonebook.

Add a Recipient to your eWallet Phonebook

1. Click on the Send Money tab.

2. If it is not already selected, click on the To eWallet sub-tab.

3. Select the My Phonebook view.
4. Your current eWallet Recipients will be displayed.
5. Click on the Add table action and then click on the Add Recipient hyperlink.
6. The eWallet Recipient Capture page will be displayed.
7. Enter the Name and Cellphone Number of the recipient.
8. If required, click on the (+) to add more recipient capture fields; you can add a maximum of 5
recipients per transaction.
9. Click on Add Recipients.
10. A confirmation page will be displayed.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. Click on Confirm.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.

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13.3.2 Maintain a Recipient in your eWallet Phonebook
Use this function to maintain the details of a recipient in your eWallet Phonebook.

Maintain your eWallet Recipients

1. Click on the Send Money tab.

2. If it is not already selected, click on the To eWallet sub-tab.

3. Select the My Phonebook view.
4. Your current eWallet Recipients will be displayed.
5. Click on the quick link for the respective recipient and select the Maintain Recipient option.
6. The Phonebook Setup page will be displayed.
7. Make the required amendments.
8. Click on Update.
9. Your updated Phonebook will be displayed.

13.3.3 Delete a Recipient from your eWallet Phonebook

Use this function to permanently delete a recipient from your eWallet Phonebook.

Delete a Recipient from your eWallet Phonebook

1. Click on the Send Money tab.

2. If it is not already selected, click on the To eWallet sub-tab.

3. Select the My Phonebook view.
4. Your current eWallet Recipients will be displayed.
5. Click on the quick link for the respective recipient and select the Delete Recipient option.
6. A confirmation page will be displayed.
7. Check that this information is correct and, if necessary, click on Cancel to make amendments.
8. Click on Delete.
9. Your updated Phonebook will be displayed.

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13.4 Send Money to an eWallet

The Send Money to eWallet functionality enables a user to send money to a beneficiary via the beneficiary's
local cellphone number; the beneficiary does not require a bank account and can withdraw these funds at
any FNB ATM using their cellphone.

There are two payment options:

• Send Money to an existing recipient in your eWallet Phonebook

• Make a Once-Off payment to an eWallet

If the eWallet holder is an existing FNB client, they can transfer the funds from their eWallet into an account
linked to their profile.

The cellphone number can belong to a prepaid or contract subscription.

13.4.1 Send Money to an existing eWallet Recipient

Use this function to Send Money to a Recipient that you have saved in your Phonebook.

Send Money to an existing eWallet Recipient

1. Click on the Send Money tab.

2. If it is not already selected, click on the To eWallet sub-tab.

3. Select the My Phonebook view.
4. Your current eWallet Recipients will be displayed.
5. Enter the Amount that you would like to send to the respective recipient/s.
6. If you would like to send an instant ATM PIN to the recipient, click in the Send ATM PIN to
Recipient check box.
7. Use the account switcher to select the account that you would like to use to pay the recipient/s.
8. Click on Send.
9. A confirmation page will be displayed.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. Click on Confirm.
12. A results page will display the status of your request.
13. Click on Finish to complete the process.

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13.4.2 Send Money to a Once-Off Recipient
Use this function to Send Money to a Recipient that you have not saved in your Phonebook.

Send Money to a Once-Off Recipient

1. Click on the Send Money tab.

2. If it is not already selected, click on the To eWallet sub-tab.

3. Select the Once-Off Payment view.
4. Enter the recipient’s Cellphone Number.
5. Enter the Amount that you would like to send to the respective recipient.
6. If you would like to send an instant ATM PIN to the recipient, click in the Send ATM PIN to
Recipient check box.
Note: If you are making a once-off payment to a recipient that has upgraded their eWallet to an
Easy Zero account, the option to send an ATM PIN will not be displayed as the recipient is already
in possession of an FNB card and PIN.
7. Use the account switcher to select the account that you would like to use to pay the recipient.
8. Click on Send.
9. A confirmation page will be displayed.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. Click on Confirm.
12. A results page will display the status of your request.
13. Click on Finish to complete the process.

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13.5 View eWallet Payment History
Use this function to view a history of all the Send Money to eWallet payments that you have made.

The following functionality is available:

• View eWallet History

• Search eWallet History

• Save a Recipient to your eWallet Phonebook
• Send Money Again from your eWallet History

View eWallet Payment History

1. Click on the Send Money tab and select the To eWallet sub-tab.

2. Select the History view.

3. Your eWallet History will be displayed.
4. Use the Search function in the action table to search for a specific transaction; the search will be
performed across all fields except the Date column.
5. If required, click on the Save Recipient quick link to add the respective recipient to your My
Phonebook.
6. If required, click on the Send Again easy button to send money to the respective recipient; you can
edit the amount.
7. Alternatively, click on Back to return to the My Phonebook page.

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 14. Wills Tab

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15.1 Wills Overview
Use this function to create and maintain a Will online.

FNB Fiduciary, affiliated with RMB Private Bank, are expert estate administrators and will be the nominated
executors of your Will.
Your Will is probably the most important document that you will sign during your lifetime; your Will is a legal
document that sets forth your wishes regarding the distribution of your assets and the guardianship of any
minor children in the event of your death.

A Guardian is someone that you appoint to legally take care of your minor children in the event of your
death; if you do not nominate a guardian, the court will select someone on your behalf.

The following functionality is available online:

• Wills Assistance
• Create a Will
• View and Download your Will
• Maintain your Will
• Delete your Pending Will
• Safe Keeping Service: Storage of your Will

Important Information about the Wills Tab

• The Wills Tab and all its functionality is restricted to the Primary User
(Profile Owner) of a Consumer profile.
• Should you have any queries regarding the drafting of a will, please
contact FNB Fiduciary Services for assistance on 087 736 3555 or e-
mail us at ‘[email protected].

Online Banking User Guide RMB Private Bank 472

15.2 Wills Assistance

For your ease of use, the following Wills Assistance is provided online:

• Will Drafting Process

• FAQs

View Wills Assistance

1. Click on Wills.
2. The My Wills page will be displayed.
3. Click on the respective icon, Will Drafting Process Explained or FAQs, to access the assistance
provided.

15.3 Create a Will

Use this function to create a Will online.

It is important to ensure that your Will contains your latest personal and financial information and accurately
reflects your final wishes.

Create a Will Online

1. Click on the Wills tab.
2. The Wills page will be displayed.
3. Click on Get Started.
4. Your Personal Details will be displayed.
• If any of your personal details have changed, click on Back. Please help us to update your
details by visiting your nearest branch or by speaking to your banker.
• If your details are correct, click on Continue.
5. Start drafting your will by selecting the required options and completing the respective details.

Cash Bequest (optional)

This option enables you to allocate a specified amount of cash to a beneficiary; you will be required
to enter the cash amount that you wish to bequeath.

1. Click on + Add Cash Bequest.

2. Enter the cash amount as well as the beneficiary’s details and click on Add.

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 Asset Bequest (Optional)
This option enables you to allocate a specified asset to a beneficiary; you will be required to
enter the details of the asset that you wish to bequeath.

1. Click on + Add Asset Bequest.

2. Select the type of Asset, the Asset description as well as the beneficiary’s details and click
on Add.

6. Click on Continue.
7. Nominate the beneficiaries of your estate.

Allocate Estate (Mandatory)

Add the beneficiary/ies that will receive your entire estate, or the remainder of your estate if you
have chosen to make specific bequests.

1. Click on + Add a Beneficiary.

2. Enter the beneficiary’s details and click on Add.

If required, you can perform the following functions:

• Click on the (+) to add more beneficiaries
• Click on Maintain to maintain the details of a beneficiary
• Click on Delete to delete a beneficiary

Add Substitute Beneficiary (Optional)

This option enables you to specify a substitute beneficiary in the event that the nominated
beneficiary be unable to inherit.
E.g. If your spouse (nominated beneficiary) dies before you, your children (substitute
beneficiaries) will inherit your estate.

1. Enter the substitute beneficiary’s details.

2. Click on Continue.

8. If you have minor children, ensure that you protect their interests by nominating guardians for them
and setting up a Trust for each minor child.

Protect the interest of minors

Create a trust for beneficiaries under the age of 16.

1. Select Yes.
2. Enter the age at which the Trust created for your minor beneficiaries should terminate

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 (18-35 years)

Nominate a guardian for your minor children

A Guardian is someone that you appoint to legally take care of your minor children in the event
of your death; if you do not nominate a guardian, the court will select someone on your behalf.

1. Select yes.
2. Enter the guardian’s details.

9. Click on Continue.
10. Confirm if you would like to make use of our safekeeping service.

Storage: Safekeeping of your Will

1. Before you can proceed you will be required to read and accept the Terms and
Conditions.
2. Click on Confirm to proceed.
3. A confirmation page will be displayed.
4. Check that this information is correct and, if necessary, click on Edit to make
amendments.
5. Click Submit to proceed.
6. The results page will be displayed.
7. Click on Finish to complete the process.

11. It is important to ensure that your Will is signed correctly:

• Sign each page using your full signature in the presence of two witnesses
• The witnesses may not be beneficiaries in terms of the Will or be the related spouse to any
beneficiaries.
• Beneficiaries must be aged 14 and older and able to give evidence in a Court of Law
• The Will is dated i.e. insert the date on the last page of your Will

15.3 View and/or Download your Will

Use this function to view and/or download your Will.

1. Click on the Wills tab.

2. The My Wills page will be displayed.
3. Click on Download.
4. A pdf version of your completed Will will be displayed; you can print or download this document.

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15.4 Maintain your Will

1. Click on the Wills tab.

2. The My Wills page will be displayed.
3. The accounts linked to your profile will be displayed.
4. Click on Maintain.
5. Make the amendments that you require.
6. Before you can continue you will be required to read and accept the Disclaimer.
7. Click on Continue.
8. A confirmation page will be displayed.
9. Check that this information is correct and, if necessary, click Edit to make any amendments.
10. Click on Confirm.
11. A results page will display the status of your request.
12. Click on Finish to complete the process.

15.5 Delete your Pending Will

1. Click on the Wills tab.

2. The My Wills page will be displayed.
3. The accounts linked to your profile will be displayed.
4. Click on Delete.
5. A confirmation page will be displayed.
6. Click on Confirm.
7. A results page will display the status of your request.
8. Click on Finish to complete the process.

15.6 Safe Keeping Service: Storage of your Will

If you have selected to place your Will in safekeeping with FNB Fiduciary, you will receive a notification with
information regarding the collection of your signed Will.

If you have selected to keep your Will in your possession, we request that you email us a copy of your
signed Will to check it against our selected legal criteria. We will send you confirmation via email once we
have completed these checks.

For further assistance, call us on 087 575 9411 or email us at ‘[email protected]

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 15. My Investments

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13.1 My Investments Overview

The My Investments Tab provides you with a simple and interactive overview of your Investment portfolio.

Investments are grouped into the following categories:

• Savings and Cash Investments

• Share Portfolio
• Unit Trusts
• Retirement Savings
• Tax-Free Savings Accounts

There are two views:

1. Investment Dashboard
o A graphical view and summary of your Investment categories and balances.
2. Investment Detail
o An interactive list view of every account in each Investment category

Important Information about the My Investments Tab

• All account specific functionality is still available via the My Bank Accounts
tab, the My Investment Tab is an overview.

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13.2 The Investment Dashboard

The Investment Dashboard provides you with a graphical view and summary of your Investment categories
and balances.

The following functionality is available:

• View Investment Portfolio

• View Accounts per Investment Category

13.2.1 View Investment Portfolio

Use this function to view a summary of your Investment Portfolio.

The following information is displayed:

• The Total Value of your Investment Portfolio

• The percentage and monetary value of your Investment Portfolio across the Investment Categories

How to view your Investment Portfolio

1. Click on the My Investments tab.

2. The Investment Dashboard will be displayed.
3. Hover over the graphical representation to view the percentage and Rand value invested in each
category.
4. The Total Value of your Investment Portfolio is displayed in the centre of the graphical
representation.

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13.2.2 View Accounts per Investment Category
Use this function to view the accounts that are grouped in a specific category.

The following information is displayed:

• Account Number
• Balance
• Available Balance

How to view the accounts per Investment Category

1. Click on the My Investments tab.

2. The Investment Dashboard will be displayed.
3. The percentage and Rand Value of your Investment Portfolio that is invested in each category is
displayed as a list on the right of the graphical representation.
4. Click on the value to view the account/s that you have in the respective category.
5. Click on Back to return to the Investment Dashboard.

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13.3 Investment Details

The Investment Details view provides you with a list of all the accounts, per category, that make up your
Investment Portfolio.

The following functionality is available:

• View all Investment Accounts

• View Summary per Investment Account

13.3.1 View all Investment Accounts

Use this function to view a list of all the accounts, per category, that make up your Investment Portfolio.

The following information is displayed:

• Account Number
• Balance
• Available Balance

How to view all your Investment Accounts

1. Click on the My Investments tab.

2. The Investment Dashboard will be displayed.
3. Click on the Investment Detail view.
4. A list of your investment accounts, grouped by category, will be displayed.

13.3.2 View Summary per Investment Account

Use this function to view a summary of an Investment Account.

The information displayed is product specific.

How to view a Summary of an Investment Account

1. Click on the My Investments tab.

2. The Investment Dashboard will be displayed.
3. Click on the Investment Detail view.
4. A list of your investment accounts, grouped by category, will be displayed.
5. Click on the Account Name hyperlink for the respective account.

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 6. A Summary for the selected account will be displayed.
7. Click on Back to return to the Investment Dashboard.

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13.6 Account Settings: Unit Trusts

Use this function to manage the various options available on your Unit Trust Accounts.

The following functionality is available:

• Add a Lump Sum Investment

• Manage Recurring Investments
• Switch Funds
• Disinvest Funds
• View Documents (Statements)
• Submit a General Instruction

Important Information about Managing your Unit Trust Accounts

• This functionality is available to Consumer clients.

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13.6.1 Add a Lump Sum Investment

Use this function to add a once-off lump sum to your existing Unit Trust account.

You can select how you would like to allocate the funds across your existing portfolio.

Important Information about Adding a Lump Sum Investment

• The minimum amount for a Lump Sum Transfer is R500.00.

• A Lump Sum Contribution before 13h00 on a business day will
purchase units at the closing Unit Price of that business day.
• A Lump Sum Contribution after 13h00 or, on a non-business day, will
purchase units at the closing Unit Price of the following business day.
• Funds will reflect in the Unit Trust account within two business days.
o

Add a Lump Sum Investment

1. Click on the My Investments Tab.

2. The Investments Dashboard will be displayed.
3. Click on the Investment Detail view.
4. A list of your investment accounts, grouped by category, will be displayed.
5. Click on the Account Name hyperlink for the respective Unit Trust account.
6. The fund portfolio for the selected account will be displayed.
7. Click on Lump Sum Investment.
8. The Add a Lump Sum Investment capture page will be displayed.
9. Complete the Payment Details and the Fund Allocation instruction.
10. Before you can continue, you will be required to read and accept the Terms and Conditions.
11. Click on Add.
12. A confirmation page will be displayed.
13. Check that this information is correct and, if necessary, click on Edit to make amendments.
14. Click on Confirm to proceed.
15. The results page will display the status of your request.
16. Click on Finish to complete the process.

13.6.2 Manage Recurring Investments

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Use this function to manage your recurring debit orders for your Unit Trust accounts.

The following functionality is available:

• View a Recurring Debit Order

• Create a Recurring Debit Order
• Maintain a Recurring Debit Order
• Delete a Recurring Debit Order

13.6.2.1 View a Recurring Debit Order

If you have a recurring debit order on a Unit Trust account, you can use this functionality view the details.

The following information is available:

• Debit Order Amount

• Next Debit Date
• Annual Escalation Date
• Frequency
• Fund Allocation

View a Recurring Debit Order

1. Click on the My Investments Tab.

2. The Investments Dashboard will be displayed.
3. Click on the Investment Detail view.
4. A list of your investment accounts, grouped by category, will be displayed.
5. Click on the Account Name hyperlink for the respective Unit Trust account.
6. The fund portfolio for the selected account will be displayed.
7. Click on Recurring Investment.
8. The Recurring Debit Order/s on the selected account will be displayed.
9. Click on the View easy button of the respective Debit Order to view the Fund Allocation.
10. Click on Back to return to the Investment Detail view.

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13.6.2.2 Create a Recurring Debit Order

If you opened a Unit Trust account using a lump sum investment and do not have a recurring debit order,
you can use this functionality to create one.

Create a Recurring Debit Order

1. Click on the My Investments Tab.

2. The Investments Dashboard will be displayed.
3. Click on the Investment Detail view.
4. A list of your investment accounts, grouped by category, will be displayed.
5. Click on the Account Name hyperlink for the respective Unit Trust account.
6. The fund portfolio for the selected account will be displayed.
7. Click on Recurring Investment.
8. The Recurring Debit Order/s on the selected account will be displayed.
9. Click on the Add (+) table action to create a new debit order.
10. The Add a Recurring Debit Order capture page will be displayed.
11. Complete the Payment Details and the Fund Allocation instruction.
12. Before you can continue, you will be required to read and accept the Terms and Conditions.
13. Click on Add.
14. A confirmation page will be displayed.
15. Check that this information is correct and, if necessary, click on Edit to make amendments.
16. Click on Confirm to proceed.
17. The results page will display the status of your request.
18. Click on Finish to complete the process.

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13.6.2.3 Maintain a Recurring Debit Order

Use this function to maintain a recurring debit order on your Unit Trust account.

The following information can be maintained:

• Debit Order Amount

• Next Debit Date
• Annual Escalation Date
• Frequency
• Fund Allocation

Maintain a Recurring Debit Order

1. Click on the My Investments Tab.

2. The Investments Dashboard will be displayed.
3. Click on the Investment Detail view.
4. A list of your investment accounts, grouped by category, will be displayed.
5. Click on the Account Name hyperlink for the respective Unit Trust account.
6. The fund portfolio for the selected account will be displayed.
7. Click on Recurring Investment.
8. The Recurring Debit Order/s on the selected account will be displayed.
9. Click on the Edit easy button of the respective debit order.
10. The Edit a Recurring Debit Order capture page will be displayed.
11. Make the desired changes to the Payment Details and the Fund Allocation instruction.
12. Before you can continue, you will be required to read and accept the Terms and Conditions.
13. Click on Add.
14. A confirmation page will be displayed.
15. Check that this information is correct and, if necessary, click on Edit to make amendments.
16. Click on Confirm to proceed.
17. The results page will display the status of your request.
18. Click on Finish to complete the process.

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13.6.2.4 Delete a Recurring Debit Order

Use this function to permanently delete a debit order instruction.

Delete a Recurring Debit Order

1. Click on the My Investments Tab.

2. The Investments Dashboard will be displayed.
3. Click on the Investment Detail view.
4. A list of your investment accounts, grouped by category, will be displayed.
5. Click on the Account Name hyperlink for the respective Unit Trust account.
6. The fund portfolio for the selected account will be displayed.
7. Click on Recurring Investment.
8. The Recurring Debit Order/s on the selected account will be displayed.
9. Click on the Delete easy button of the respective debit order.
10. The Edit a Recurring Debit Order capture page will be displayed.
11. A confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. Click on Confirm to proceed.
14. The results page will display the status of your request.
15. Click on Finish to complete the process.

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13.6.3 Switch Funds

Use this function to switch funds between your existing Unit Trust portfolio.

Important Information about Switching Funds

• You can only switch from one fund per transaction; there is no limit
to how many funds you can switch into.
• If required, please update the fund allocation on any recurring debit
orders for the respective Unit Trust account.
o

Switch Funds

1. Click on the My Investments Tab.

2. The Investments Dashboard will be displayed.
3. Click on the Investment Detail view.
4. A list of your investment accounts, grouped by category, will be displayed.
5. Click on the Account Name hyperlink for the respective Unit Trust account.
6. The fund portfolio for the selected account will be displayed.
7. Click on Switch.
8. The Switch Funds capture page will be displayed.
9. Select the allocation type from the drop-down menu.
10. Select the Fund that you would like to switch from, from the drop-down menu.
11. Enter the allocation amount next to the respective fund/s that you would like to switch to.
12. Click on Submit.
13. A confirmation page will be displayed.
14. Check that this information is correct and, if necessary, click on Edit to make amendments.
15. Click on Confirm to proceed.
16. The results page will display the status of your request.
17. Click on Finish to complete the process.

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13.6.4 Disinvest Funds

Use this function to make a withdrawal (sell fund units) from your Unit Trust portfolio.

The following options are available:

• Full Withdrawal
• Partial Withdrawal

Important Information about Disinvesting Funds

• You can only switch from one fund per transaction; there is no limit
to how many funds you can switch into.
• If required, please update the fund allocation on any recurring debit
orders for the respective Unit Trust account.
• The Disinvestment value can be up to 90% of the available balance or
the full available balance in the Unit Trust account.
• Disinvestment before 13h00 on a business day will sell units at the
closing Unit Price of that business day.
• Disinvestment after 13h00 or, on a non-business day, will sell units at
the closing Unit Price of the following business day.
• Business days exclude weekends and public holidays.
• Funds will reflect in the specified account within two business days.
o

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Disinvest Funds – Full Withdrawal

1. Click on the My Investments Tab.

2. The Investments Dashboard will be displayed.
3. Click on the Investment Detail view.
4. A list of your investment accounts, grouped by category, will be displayed.
5. Click on the Account Name hyperlink for the respective Unit Trust account.
6. The fund portfolio for the selected account will be displayed.
7. Click on Disinvest.
8. The Disinvest Funds capture page will be displayed.
9. Use the drop-down menu to select the linked account that you would like the proceeds to be
paid into.
10. Use the slider to select a Full Withdrawal (Sell out all).
11. A confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. If you would like to close the account, click in the check box to Stop Future Debit Orders
14. Click on Confirm to proceed.
15. The results page will display the status of your request.
16. Click on Finish to complete the process.

Disinvest Funds – Partial Withdrawal

1. Click on the My Investments Tab.

2. The Investments Dashboard will be displayed.
3. Click on the Investment Detail view.
4. A list of your investment accounts, grouped by category, will be displayed.
5. Click on the Account Name hyperlink for the respective Unit Trust account.
6. The fund portfolio for the selected account will be displayed.
7. Click on Disinvest.
8. The Disinvest Funds capture page will be displayed.
9. Use the drop-down menu to select the linked account that you would like the proceeds to be
paid into.
10. Use the slider to select a Partial Withdrawal.
11. The Fund Allocation page will be displayed.
12. Enter the amount that you would like to withdraw next to the respective fund/s.
13. Click on Submit.
14. A confirmation page will be displayed.
15. Check that this information is correct and, if necessary, click on Edit to make amendments.
16. Click on Confirm to proceed.
17. The results page will display the status of your request.

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 18. Click on Finish to complete the process.

13.6.5 View Documents

Use this function to view and download documents related to your Unit Trust account.

The following documents are available:

• Statement History
• Interim Statement
• Correspondence

Download Statement History

1. Click on the My Investments Tab.

2. The Investments Dashboard will be displayed.
3. Click on the Investment Detail view.
4. A list of your investment accounts, grouped by category, will be displayed.
5. Click on the Account Name hyperlink for the respective Unit Trust account.
6. The fund portfolio for the selected account will be displayed.
7. Click on Documents.
8. The Statement History for the respective account will be displayed.
9. Click on the Download easy button of the respective statement to open/save it.

Download Interim Statement

1. Click on the My Investments Tab.

2. The Investments Dashboard will be displayed.
3. Click on the Investment Detail view.
4. A list of your investment accounts, grouped by category, will be displayed.
5. Click on the Account Name hyperlink for the respective Unit Trust account.
6. The fund portfolio for the selected account will be displayed.
7. Click on Documents.
8. The Statement History for the respective account will be displayed.
9. Click on the Interim Statement view.
10. The Interim Statement capture page will be displayed.
11. Enter the Start and End Date that you require the Interim Statement for.
12. Click on Generate Statement.
13. You can open/save the statement.

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Download Correspondence

1. Click on the My Investments Tab.

2. The Investments Dashboard will be displayed.
3. Click on the Investment Detail view.
4. A list of your investment accounts, grouped by category, will be displayed.
5. Click on the Account Name hyperlink for the respective Unit Trust account.
6. The fund portfolio for the selected account will be displayed.
7. Click on Documents.
8. The Statement History for the respective account will be displayed.
9. Click on the Correspondence view.
10. Correspondence for the respective Unit Trust account will be displayed.
11. Click on the Download easy button of the respective document to open/save it.

13.6.6 Submit a General Instruction

Use this function to submit an instruction or query to the Investment team.

Submit a General Instruction

1. Click on the My Investments Tab.

2. The Investments Dashboard will be displayed.
3. Click on the Investment Detail view.
4. A list of your investment accounts, grouped by category, will be displayed.
5. Click on the Account Name hyperlink for the respective Unit Trust account.
6. The fund portfolio for the selected account will be displayed.
7. Click on General Instruction.
8. The General Instruction capture page will be displayed.
9. Type in your instruction or query.
10. Click on Submit.
11. The results page will display the status of your request.
12. Click on Finish to complete the process.

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 16. Invest in Shares + Gold
Tab

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14.1 Invest in Shares and Gold Overview

The Shares and Gold Tab provides the ordinary man on the street with a simple and convenient means to
trade in Shares and Krugerrands.

A host of information about Shares and Krugerrands can be found on the FNB website, including a product
comparison.

The Shares and Gold functionality is split into two sub-tabs:

• Portfolio
• Notifications

Important Information about Investing in Shares and Gold

• Shares and Gold functionality is restricted to the Primary User (Profile

Owner).
• Consumers can hold multiple Share Investing accounts and products;
there is no limit imposed on either the number of accounts or product
types.
• Business clients are limited to the Share Investor product.
• All prices are quoted in Rand value.
• Share prices are 15 minutes delayed. Prices are updated during trading
hours between 09h00 and 17h00 weekdays.
• Krugerrand prices are provided by RMB and are updated during
business hours from 09h00 until 16h45.
• Krugerrands are stored in safe custody at Rand Refinery Ltd. on your
behalf.
• For any queries regarding Krugerrands, shares, shares that do not reflect,
balances on shares etc. please call or email the Share Investing Contact
Centre.

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14.2 Share Investing Products

A host of information about Shares and Krugerrands can be found on the FNB website, including a product
comparison.

There are four Share Investing products to choose from:

Tax-Free Share Saver

• For the consumer and mass market.
• If you would like to trade in shares but do not want to choose your own share portfolio.
• A Tax-Free Share Saver account enables you to select a regular investment amount which FNB will
invest on your behalf in the top 100 companies on the JSE through the Ashburton Top 40 and
Ashburton MidCap Exchange Traded Funds.
• You cannot purchase Krugerrands using a Tax-Free Share Saver account.
• If the capital investment per annum is < R30,000 on all Tax-Free Savings products combined, any
interest earned, dividends received or capital gains will be tax-free.

Share Saver
• For the consumer and mass market.
• If you would like to trade in shares but do not want to choose your own share portfolio.
• A Share Saver account enables you to select a regular investment amount which FNB will invest on
your behalf in the top 100 companies on the JSE through the Ashburton Top 40 and Ashburton
MidCap Exchange Traded Funds.
• You cannot purchase Krugerrands using a Share Saver account.

Share Builder
• For the consumer and mass market.
• If you are a beginner and would like to trade on your own, but require guidance in selecting your
share portfolio.
• A Share Builder account holder has a predetermined list of shares to select from.
• You have access to purchase the full range of Krugerrands online.

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Share Investor
• For the self-driven investor.
• If you have some experience in share investing and enjoy the challenge of doing it on your own.
• A Share Investor account holder will have access to purchase any shares that are listed on the
Johannesburg Stock Exchange (JSE).
• You have access to purchase the full range of Krugerrands online.

More information about our Share Investing products can be found on the Product Info menu option and
on the FNB website.

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My Portfolio Sub-Tab

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14.3 My Portfolio Overview

The following Share Investing functionality is available on the My Portfolio sub-tab.

View Summary
• View a summary of your Share Investing accounts

View Information
• Shares / Krugerrand Info
• Daily Indicators
• Glossary
• Shares FAQs and Krugerrand FAQs

Buy Shares

• Purchase Shares and/or Krugerrands

Sell Shares

• Sell Shares and/or Krugerrands

Detailed Balance

• View the Detailed Balance of a Share Investing account

Transaction History

• View and Search the Share and Gold trading transactions that have taken place on a Share
Investing account, both Cash History and Holdings History

Order History

• View the history and transaction details of the Shares and Krugerrands that you have ordered

Cancel Order

• Cancel a pending order to purchase Shares or Krugerrands

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Instruction Maintenance

• Maintain the Instruction Details and Instruction Options for your Share Saver and/or Tax-Free
Shares Account.

Switch or Upgrade Account

• Change your current share investing account from a Share Builder to a Share Investor account and
vice versa.

14.4 View Share Investing Portfolio

Use this function to view your portfolio for your Share Investing account/s.

The following information is available:

• A summary of your Share Investing account/s which includes the following information:

o Account Name
o Purchase Value
o Market Value
o Gain / Loss (Rand Value)
o Gain / Loss (% View)

• The Portfolio for each of your Share Investing account/s which includes the following information:

o Holdings (Cash Balances)

o Shares Details
o Krugerrands

• The Detailed Cash Balance for each account

View Share Investing Portfolio

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the respective Share Investing account to view the Portfolio
Details for that account.
4. The My Portfolio sub-tab will display the Holdings (Cash Balances), Shares and Krugerrands for
the selected account.

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 5. You can select to view the Portfolio details of another Share Investing account by selecting the
respective account from the Account Switcher drop-down list.
6. Click on the Cash Balance hyperlink to view the Detailed Balance information for your Cash
Holdings.
7. Click on Close to return to the My Portfolio page.
8. Click on the Instrument Name hyperlink to view detailed information about the selected instrument;
this includes both the Share Info and the Company Info.
9. Click on Back to return to the My Portfolio page.

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14.6 View Shares Info

Use this function to view the Shares Info and Company Info for a specific share.

The following information is available:

Shares Info

• View trading information about a specific share:

o Share Details
o Current Share Price Information
o Share Price History presented as a Financial Graph
o Broker Consensus
o Market Capitalisation (Market Capitalisation % Change Over Time)

Company Info

• View detailed information about the holding company of a specific share:

o Share Ratios
o Financials
o Company Information
o Dividend History
o SENS and Company News
o Director's Dealings
o Company Share Information
o Event Calendar

The search process for each Share Investing product differs slightly due to their different share selection
options; both processes are detailed below.

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14.6.1 View Shares Info - Share Investor

You can locate listed company information using the Company Code or Company Name search
functionalities. The steps below will demonstrate how to view the shares list.

View the Shares List for a Share Investor Account

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of a Share Investor account.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the menu and select the View - Shares Info option.
6. The Shares Search capture page will be displayed.
7. Enter the Company Name or Share Code for the share that you would like to view.
8. A list of companies or shares matching your search criteria will be displayed.
9. Click on the Instrument Name hyperlink to view the respective Shares and Company Info.
10. Click on Back to return to the portfolio page.

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14.7 View Krugerrand Info

Use this function to view more information about Krugerrands.

The following information is available:

Krugerrand Info

• View trading information about Gold:

o Current Gold Price Information

o Gold Price History presented as a Financial Graph

Coin Info

• View trading information about Krugerrands:

o Current Krugerrand Price Information

o Gold Price % Change Over Time

News

• View a News Brief for:

o Current Gold News

o Historic Gold News

View Krugerrand Info

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of either a Share Builder or Share Investor account.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the menu and select the Krugerrand Info option.
6. The Krugerrand Info page will be displayed with the three viewing options; Krugerrand Info.
7. Click on Back to return to the portfolio page for the selected Share Investing account.

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14.8 View Daily Indicators

Use this function to view the Daily Indicators:

• JSE Indices
• Currencies
• Commodities
• Interest rates
• SENS

The following information is available:

• Value
• Move
• % Change

Important Information about the Daily Indicators

• The Daily Indicators are 15 minutes delayed.

• Information is updated by McGregor BFA during trading hours, between
09h00 and 17h00 on business days.
• These market statistics are calculated by McGregor BFA and are
therefore not the official JSE market statistics.

View the Daily Indicators

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the menu and select the Daily Indicators option.
4. The Daily Indicators page will be displayed.
5. Click on Back to return to the Shares and Gold landing page.

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14.9 Buy Shares

Use this function to purchase Shares.

The process to buy shares differs slightly for each Share Investing product due to the share selection
options; all three processes are detailed below.

Important Information about Buying Shares

• When you buy shares with a Share Saver account you have the option of
trading on any day (Today at 15h00) or, at a reduced brokerage fee, the
First Trading Day of the Month.
• Once your quote is confirmed the order will be stored and submitted for
processing.
• Funds used to purchase shares will be blocked in your cash account
and will not be available to transfer, withdraw or buy other shares.
• The final cash reserved figure will be determined by the traded price.

14.9.1 Buy Shares - Share Saver Products

Buy Shares – Share Saver

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the Share Saver account that you would like to use to purchase
Shares.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the menu and select the Buy > Shares option.
6. The Buy Shares capture page will be displayed.
7. Select the Buy Instruction for this purchase, i.e. Today at 15h00 or First Trading Day of the Month.
8. Enter the Amount that you would like to invest.
9. Click on Buy.
10. A confirmation page will be displayed together with a quote.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. Before you can continue you will be required to accept the Terms and Conditions.
13. Click on Confirm to proceed with your purchase at the quoted price.
14. A results page will display the status of your order.

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 15. Click on Finish to complete the process.

14.9.2 Buy Shares - Share Builder

A Share Builder account holder will have a predetermined list of shares to select from.

Buy Shares - Share Builder

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the Share Builder account that you would like to use to purchase
Shares.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the menu and select the Buy > Shares option.
6. The Share Selection page will be displayed.
7. To view more information about a share, click on the respective Company hyperlink.
8. Click on the Buy easy button of the share that you would like to buy.
9. Enter the Amount that you would like to use to purchases shares.
10. Click on Buy.
11. A confirmation page will be displayed together with a quote.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. Before you can continue you will be required to accept the Terms and Conditions.
14. Click on Confirm to proceed with your purchase at the quoted price.
15. A results page will display the status of your order.
16. Click on Finish to complete the process.

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14.9.3 Buy Shares - Share Investor
A Share Investor account holder will have access to purchase any shares that are listed on the
Johannesburg Stock Exchange (JSE).

Important Information about Buying Shares for a Share Investor Account

• A Share/Instrument Code ranges from 3 to 6 characters long and may

only consist of alpha and/or numeric characters.
• You can search using the first character of the Company Name.

Purchase Instruction:

• There are two purchasing options available:

o Buy Now
o Buy End of Day

Pricing Instruction:
There are two pricing options available:

• Best

o Select this option to have a Broker trade for you at the best
price.

• Limit

o Select this option to if you would like to specify a Rand Limit with
which to purchase the shares.
o If you place price limits on your order, market conditions may
result in the trade taking a longer time to be executed or only a
portion of the order being traded by end of the day - this is called a
partial trade.
o To complete the full quantity, you will need to submit a new order
for the balance of the shares. Each partial trade executed will be
charged at least the minimum brokerage fee.
o Partial trades are less likely to occur if you use Best pricing.

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Buy Shares - Share Investor
1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the Share Investor account that you would like to use to purchase
Shares.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. If you would like to purchase an instrument that exists in your Share Portfolio, simply click on the
Buy easy button next to the respective instrument.
6. If you would like to purchase an instrument from the JSE listing, click on the menu and select the
Buy > Shares option.
7. The Search for Shares capture page will be displayed.
8. Enter the Company Name (in full or in part) or the Share Code for the share that you would like to
buy.
9. Click on Search.
10. A list of shares matching your search criteria will be displayed.
11. Click on the Buy easy button of the Share that you would like to buy.
12. Select when you would like to buy the shares; Buy Now or Buy End of Day.
13. Enter the Number of shares that you would like to buy.
14. Select the Pricing Option for your purchase; Best or Limit; if you select Limit you will be required
to enter the Rand Limit for your purchase.
15. Click on Buy.
16. A confirmation page will be displayed together with a quote.
17. Check that this information is correct and, if necessary, click on Edit to make amendments.
18. Before you can continue you will be required to accept the Terms and Conditions.
17. Click on Confirm to proceed with your purchase at the quoted price.
18. A results page will display the status of your order.
19. Click on Finish to complete the process.

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14.10 Buy Krugerrands

Use this function to purchase Krugerrands.

Important Information about Buying Krugerrands

• Krugerrands are stored in safe custody at Rand Refinery Ltd. on your

behalf.
• Within trading hours, the quote will remain valid for 2 minutes from the
time that it is generated. If the quote is not accepted within this time limit, it
will expire and the transaction will not be executed.
• Orders can only be executed if there are sufficient funds in the Cash
Account of the respective Share Investing account.
• Within trading hours, orders will settle immediately upon acceptance of
this quote.
• The quote displayed is a refreshed version of the price displayed in the
preceding capture pages.
• Trading hours are from 09h00 to 16h45 weekdays.
• Trades placed outside of trading hours will be placed as soon as trading
resumes on the next business day. These orders will be placed at the
first quoted price of this business day. Should the funds in the cash
account be insufficient to cover the cost of the order, the trade will be
rejected.

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Buy Krugerrands
1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the Share Investing account that you would like to use to purchase
the Krugerrands.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the menu and select the Buy > Krugerrands option.
6. The Buy Gold selection page will be displayed.
7. Click on the Buy easy button of the Krugerrand option that you would like to purchase.
8. Enter the Number of Krugerrands that you would like to purchase.
9. Click on Buy.
10. A confirmation page will be displayed together with a quote.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. Before you can continue you will be required to accept the Terms and Conditions.
13. Click on Confirm to proceed with your purchase at the quoted price.
14. A results page will display the status of your order.
15. Click on Finish to complete the process.

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14.11 Sell Shares

Use this function to sell your Shares.

Please note that the process per Share Investing product differs slightly due to the share selection options.
All three processes are detailed below.

Important Information about Selling Shares

• The Sell Shares option will only be displayed if there are shares available
to sell.
• Shares that are on hold for pending instructions, (Suspended), or that
are in a partially processed status, will be low lighted in grey and will not
be available to sell.
• Selling of shares from a Share Saver account can only be done by Rand
value.
• Selling of shares from a Share Builder or Share Investor account can
only be done on quantity of shares and not Rand value.
• Once your quote is confirmed the order will be stored and submitted for
processing.
• Funds used to purchase shares will be blocked in your cash account
and will not be available to transfer, withdraw or buy other shares.
• The final cash reserved figure will be determined by the traded price.

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14.11.1 Sell Shares - Share Saver Products

There are two options when selling shares from a Share saver account:
• Lump Sum
o Specified Amount.
• Full Sell Out
o Maximum Available Amount will be sold.
o The account will remain open after all the shares have been sold.

Sell Shares – Share Saver

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the Share Saver account that you would like to sell shares from.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the menu and select the Sell > Shares option.
6. Click on the respective Share Saver Account Name.
7. The Sell Shares capture page will be displayed.
8. Click on the respective easy button to sell a Lump Sum amount or to do a Full Sell-out.
9. If you selected Lump Sum, enter the amount (Rand Value) that you would like to sell.
10. Click on Continue.
11. A confirmation page will be displayed together with a quote.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. Before you can continue you will be required to accept the Terms and Conditions.
14. Click on Confirm to proceed with your instruction at the quoted price.
15. A results page will display the status of your order.
16. Click on Finish to complete the process.

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14.11.2 Sell Shares - Share Builder
Use this function to sell a selected quantity of shares from a Share Builder account.

1. Click on the Invest in Shares + Gold tab.

2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the Share Builder account that you would like to sell shares from.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the menu and select the Sell > Shares option.
6. The Share Selection page will be displayed.
7. Click on the Sell easy button of the Share that you would like to sell.
8. Enter the Quantity of shares that you would like to sell.
9. Click on Sell.
10. A confirmation page will be displayed together with a quote.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. Before you can continue you will be required to accept the Risks associated with the quote.
13. Click on Confirm to proceed with your instruction at the quoted price.
14. A results page will display the status of your order.
15. Click on Finish to complete the process.

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14.11.3 Sell Shares - Share Investor
Use this function to sell a selected quantity of shares from a Share Investor account.

Important Information about Selling Shares from a Share Investor Account

Selling Instruction:

• There are two purchasing options available:

o Buy Now
o Buy End of Day

Pricing Instruction:
There are two pricing options available:

• Best

o Select this option to have a Broker trade for you at the best
price.

• Limit

o Select this option to if you would like to specify a Rand Limit at

which to sell the shares.
o If you place price limits on your instruction, market conditions may
result in the trade taking a longer time to be executed or only a
portion of the order being traded by end of the day - this is called a
partial trade.
o To sell the full quantity of shares you will need to submit a new
order for the balance of the shares. Each partial trade executed
will be charged at least the minimum brokerage fee.
o Partial trades are less likely to occur if you use Best pricing.

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Sell Shares - Share Investor
1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the Share Investor account that you would like to sell shares from.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the menu and select the Sell > Shares option.
6. Click on the Sell easy button of the Share that you would like to sell.
7. Select when you would like to sell the shares; Now or End of Day.
8. Enter the Number of shares that you would like to sell.
9. Select the Pricing Option for your sale; Best or Limit; if you select Limit you will be required to
enter the Rand Limit for your sale.
10. Click on Continue.
11. A confirmation page will be displayed together with a quote.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. Before you can continue you will be required to accept the Terms and Conditions.
20. Click on Confirm to proceed with your instruction at the quoted price.
21. A results page will display the status of your order.
22. Click on Finish to complete the process.

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14.12 Sell Krugerrands

Use this function to sell a selected quantity of Krugerrands.

Important Information about Selling Krugerrands

• The Sell Krugerrands option will only be displayed if there are

Krugerrands available to sell.
• Krugerrands that are on hold for pending instructions or are in a partially
processed status will be low lighted in grey and will not be available to sell.
• Selling of Krugerrands can only be done on quantity and not Rand value.
• Within trading hours, the quote will remain valid for 2 minutes from the
time that it is generated. If the quote is not accepted within this time limit, it
will expire and the transaction will not be executed.
• Within trading hours, orders will settle immediately upon acceptance of
this quote.
• The quote displayed is a refreshed version of the price displayed in the
preceding capture pages.
• Trading hours are from 09h00 to 16h45 weekdays.
• Trades placed outside of trading hours will be placed as soon as trading
resumes on the next business day. These orders will be placed at the
first quoted price of this business day. Should the funds in the cash
account be insufficient to cover the cost of the order, the trade will be
rejected.

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Sell Krugerrands
1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the Share Investing account that you would like to sell Krugerrands
from.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the Menu and select the Sell > Krugerrands option.
6. The Sell Gold selection page will be displayed.
7. Click on the Sell easy button of the Krugerrand option that you would like to sell.
8. Enter the Number of Krugerrands that you would like to sell.
9. Click on Continue.
10. A confirmation page will be displayed together with a quote.
11. Check that this information is correct and, if necessary, click on Edit to make amendments.
12. Before you can continue you will be required to accept the Terms and Conditions.
13. Click on Confirm to proceed with your request at the quoted price.
14. A results page will display the status of your order.
15. Click on Finish to complete the process.

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14.13 Instruction Maintenance - Share Saver Products

Use this function to maintain the monthly purchase instruction/s for your Share Saver account.

The following options are available:

• Enable InvestMyChange
• Maintain the Instruction:
o Activate or Suspend the Monthly Instruction)
o Change the From (Funding) Account
o Maintain the Monthly Investment Amount
o Instruction Options:

o Increase Annually (Yes / No)

o Increase Percentage
o Annual Increase Month

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14.14.1 Enable InvestMyChange
Use this function to enable the InvestMyChange functionality on your Share Saver account.

The InvestMyChange functionality ensures that all funds in the cash component of your Share Saver
account will be automatically invested on the 1st trading day of the month, if the sum of these funds is equal
to or greater than the minimum investment amount for the Share Saver product.

Important Information about InvestMyChange

• Proceeds from sales and dividends that have not been moved out of the
cash component of the Share Saver account will automatically be re-
invested on the 1st trading day of the month, even if you suspend your
scheduled instruction.

Enable InvestMyChange
1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the Share Saver account that you would like to activate
InvestMyChange for.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the menu and select the Instruction Maintenance option.
6. The Instruction Maintenance capture page will be displayed.
7. Click on the Yes easy button to enable the InvestMyChange functionality on the selected Share
Saver Account, alternatively, click on No if you do not want to activate this functionality.
8. Click on Continue.
9. A confirmation page will be displayed together with a quote.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. A results page will display the status of your order.
12. Click on Finish to complete the process.

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14.14.2 Maintain Instruction
Use this function to either Activate or Suspend the Instruction on your Share Saver account and to maintain
the details of your Instruction.

The following information can be maintained:

• Activate or Suspend the Monthly Instruction)

• Change the From (Funding) Account
• Maintain the Monthly Investment Amount
• Instruction Options:

o Increase Annually (Yes / No)

o Increase Percentage
o Annual Increase Month

All changes that you make will be effective on the next business day. If the date you have selected should
fall on a weekend or public holiday, the instruction change will take place on the next business day.

Maintain Share Saver Instruction

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the Share Saver account that you would like to maintain.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the menu and select the Instruction Maintenance option.
6. If required, click on Activate or Suspend.
7. If your Instruction is Active, you can amend the Instruction Details and Instruction Options as
required.
8. Click on Continue.
9. A confirmation page will be displayed together with a quote.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. A results page will display the status of your order.
12. Click on Finish to complete the process.

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14.14 Detailed Balance

Use this function to view detailed balance information about the Cash Balance on your Share Investment
account.

The following information is displayed for Share Builder and Share Investor accounts:

• Ledger Balance
• Anticipated Credits
• Pending Credits
• Pending Debits
• Reserved Funds
• Cash Balance
• Minimum Balance
• Uncleared Funds
o These are funds that have been credited to your account but are not yet available for
withdrawal
• Outstanding Charges
• Available to Buy Shares
o The portion of your Cash Balance that can be used to buy more shares
• Outstanding Anticipated Credits
o These are the proceeds from a sale of shares for which the cash has not yet been received;
these proceeds are available to purchase shares.
• Available to Transfer / Buy Krugerrands
o The portion of your cash balance that is available for you to transfer or to buy Krugerrands
with.

The following information is displayed for Share Saver accounts:

• Tax-Free Limits
o Annual Limit
o Current Annual Contribution
o Remaining Annual Contribution

o Lifetime Limit
o Current Lifetime Contribution
o Remaining Lifetime Contribution

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View Detailed Cash Balance
1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the respective Share Investing account to view the Portfolio
Details for that account.
4. The My Portfolio sub-tab will display the Holdings (Cash Balances), Shares and Krugerrands for
the selected account.
5. Click on the Cash Balance Amount hyperlink to view the Detailed Balance information for your Cash
Holdings.
6. Click on Close to return to the My Portfolio page.
7. Use the account switcher to select another account that you would like to view.

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14.15 Transaction History

Use this function to view and search the Cash or Holding Transaction History for a Share Investing
account.

Transactions in an Executed, Partially Executed and/or Settled status will be displayed in the Transaction
History.

Important Information about Transaction History

Cash Transaction History:

• Available for the last 6 months.

• You can use the search option in the table actions to search across all
fields on the record table.

Holdings Transaction History:

• Available from inception of the respective Share Investing account.

• You will need to enter the Instrument Code of the respective share to
view the Holdings Transaction History; the Instrument Code is displayed
above the Share Name on your Holdings page. A Share/Instrument
Code ranges from 3 to 6 characters long and may only consist of alpha
and/or numeric characters, e.g. FSR
• You can search across all fields on the record table.

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14.15.1 View Cash Transaction History

Use this function to view the history and transaction details of the cash transactions on your account, i.e. the
transfer of cash funds into or out of a Share Investing account.

The following information is displayed:

• Effective Date
• Description
• Reference Number
• Transaction Fee
• Transaction Amount
• Balance

Important Information about Cash Transaction History

• Cash Transaction History is available for the last 6 months.

• You can search across all fields on the record table.

View Cash Transaction History

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the respective Share Investing account.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the menu and select the History > Cash Transaction History option.
6. The Cash Transaction History for the selected account will be displayed.
7. Use the Search table action to search across all fields of the record table.
8. Click on the Transaction Amount hyperlink to view the details for the respective transaction.
9. Click on Back to return to your Cash Transaction History.
10. Click on Close to return to the Holdings page.

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14.15.2 View Holdings Transaction History

Use this function to view the history and transaction details of the holdings transactions on your account, i.e.
the purchase or sale of shares and/or Krugerrands.

The following information is displayed:

• Transaction Date
• Instrument Code
• Instruction
• Quantity
• Purchase Price
• Transaction Amount

Important Information about Holdings Transaction History

• Holding Transaction History is available from inception of the

respective Share Investing account.
• You can search across all fields on the record table.

• You will need to enter the Instrument Code of the respective share to
view the Holdings Transaction History; the Instrument Code is displayed
above the Share Name on your Portfolio page.
• A Share/Instrument Code ranges from 3 to 6 characters long and may
only consist of alpha and/or numeric characters, e.g. FSR

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View Holdings Transaction History
1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the respective Share Investing account.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the menu and select the History > Holdings Transaction History option.
6. The Transaction History capture page will be displayed.
7. Enter the Instrument Code of the respective share.
8. Click on Search.
9. All transactions for the selected share will be displayed.
10. Use the Search table action to search across all fields of the record table.
11. Click on the Transaction Amount hyperlink to view the details for the respective transaction.
12. Click on Back to return to your Cash Transaction History.
13. Click on Close to return to the Holdings page.

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14.15.3 View Order History

Use this function to view the history and transaction details of the shares and/or Krugerrands that you have
ordered, i.e. the purchase of shares and/or Krugerrands.

The following information is displayed:

• Order Date
• Instrument Type (Shares / Krugerrands)
• Instrument Code/Name
• Instruction
• Order Status
• Quantity
• Order Number

View Order History

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the respective Share Investing account.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the menu and select the History > Order History option.
6. The Order History for the selected Share Investing account will be displayed.
7. Use the Search table action to search across all fields of the record table.
8. Click on the Instrument Code/Name hyperlink to view the order details for the respective
transaction.
9. Click on Back to return to your Cash Transaction History.
10. Click on Close to return to the Holdings page.

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14.16 Cancel Order

Use this function to cancel a pending order to purchase shares or Krugerrands.

Important Information about Cancelling an Order

• An order has only been cancelled once its order status reflects as
‘Cancelled’.
• On a Share Builder account, you can cancel your order while the status
is ‘Initiated’. Once the order status has changed to ‘Sent to Broker’,
cancellations are no longer possible.
• On a Share Investor account, you can cancel your order while the status
is ‘Initiated’ or ‘Sent to Broker’. However, once the order status is
‘Open’, cancellations are no longer possible.
• For bulked orders, an order can only be cancelled if it is in a status of
‘Initiated’

Cancel Order
1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the respective Share Investing account.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the menu and select the Cancel Order option.
6. The Cancel Order page will be displayed.
7. Click on the Cancel easy button for the respective order.
8. A confirmation page will be displayed.
9. Check that this information is correct and, if necessary, click on Edit to make amendments.
10. Click on Confirm to proceed with your request at the quoted price.
11. A results page will display the status of your order.
12. Click on Finish to complete the process.

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14.17 Switch/Upgrade Account

Use this function to switch or upgrade your current Share Investing account to another product.

Important Information about Switching and/or Upgrading your Share Investing Account

• A Share Saver product cannot be switched or upgraded.

• A Share Builder product can be upgraded to a Share Investor.
• A Share Investor product can be switched to a Share Builder.
• Business Banking clients will not have this option as they are restricted
to the Share Investor product.

Upgrade a Share Builder to a Share Investor

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the Share Builder account that you would like to Upgrade.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the menu and select the Switch/Upgrade Account option.
6. The Upgrade to Share Investor capture page will be displayed.
7. Select your preferences for Corporate Action Instructions and Switch Instructions.
8. Click on Continue.
9. A confirmation page will be displayed.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. Before you can continue you will be required to read and accept the Terms and Conditions.
12. Click on Confirm to proceed with your request.
13. A results page will display the status of your order.
14. Click on Finish to complete the process.

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Switch a Share Investor to a Share Builder
14. Click on the Invest in Shares + Gold tab.
15. Your existing Share Investment Accounts will be displayed.
16. Click on the Name hyperlink of the Share Investor account that you would like to Switch.
17. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
18. Click on the menu and select the Switch/Upgrade Account option.
19. The Switch to Share Builder capture page will be displayed.
20. Select your preferences for Switch Instructions.
21. Click on Continue.
22. A confirmation page will be displayed.
23. Check that this information is correct and, if necessary, click on Edit to make amendments.
24. Before you can continue you will be required to read and accept the Terms and Conditions.
25. Click on Confirm to proceed with your request.
26. A results page will display the status of your order.
27. Click on Finish to complete the process.

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My Notifications Sub-Tab

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14.18 My Notifications Overview

Consumer and Business clients who have a Share Investor account can enjoy the convenience of having
additional share information at their disposal by making use of the following functionality:

• My Watch List
o By setting up a Watch List you can monitor the performance of the instruments that you
have selected.
o The maximum number of instruments that you will be able to add to your Watch List is 15.
o You can have a separate Watch List for each Share Investor account that you have.

• My Price Alerts
o By setting up a Price Alert you will be notified when the price that you have captured is
reached.
o You can specify a High Price and/or a Low Price for the instrument.
o There is a cost associated with this service - please refer to the pricing guide.
o You can have a separate Price Alert list for each Share Investor account that you have.

Important Information about My Notifications

• The My Notifications functionality is restricted to the Primary User (Profile

Owner) of a Consumer or Business profile.
• This functionality is only applicable to the Share Investor product.
• For any queries regarding shares please call or email the Share Investing
Contact Centre.

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14.19 My Watch List

Use this function to create and manage your own shares Watch List. By setting up a Watch List you can
monitor the performance of the instruments that you have selected.

You can have a separate Watch List for each Share Investor account that you have.

The following information is displayed per instrument:

• Instrument Code / Name

• Sector
• Last Traded Price
• Percentage Move
• Number of Shares in the Market

Important Information about My Watch List

• The maximum number of instruments that you will be able to add to

your Watch List is 15.

The following functionality is available:

• Add an instrument to your Watch List

• View the instruments on your Watch List
• Maintain the instruments on your Watch list
• Remove an instrument from your Watch List
• Buy an instrument via your Watch List
• Sell an instrument via your Watch List

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14.19.1 Add an Instrument to your Watch List

Use this function to add an instrument to your Watch List.

• Have the required Instrument Names or Instrument Codes on hand as

you will need to enter these.

Add an Instrument to your Watch List

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the required Share Investor account.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the My Notifications sub-tab.
6. The My Watch List view will be displayed.
7. Click on Add (+) in the table actions.
8. Click on the Instrument to my Watch List hyperlink.
9. Enter the Instrument Name or Instrument Code and click on Search.
10. All instruments matching your search criteria will be displayed.
11. Click on the Select easy button to add the respective instrument.
12. The Add Instrument to My Watch List page will be displayed.
13. Select Yes to add the instrument to your Watch List.
14. If you would like to create a Price Alert for this instrument, click on Yes and then enter the High
and/or Low values for the Price Alert.
15. Click on Add.
16. A confirmation page will be displayed.
17. Check that this information is correct and, if necessary, click on Edit to make amendments.
18. Click on Confirm.
19. A results page will display the status of your request.
20. Click on Finish to complete the process.
21. The selected instrument will now reflect on your My Watch List view.

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14.19.2 View the Instruments on your Watch List

Use this function to view the Instruments that you have added to your Watch List.

The following information is displayed per instrument:

• Instrument Code / Name

• Sector
• Last Traded Price
• Percentage Move
• Number of Shares in the Market

View the Instruments on your Watch List

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the required Share Investor account.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the My Notifications sub-tab.
6. The instruments that you have added to your Watch List will be displayed on the My Watch List
view.

15.

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14.19.3 Maintain the Instruments on your Watch list

Use this function to maintain the instruments on your Watch List.

You can maintain the following:

• Keep or delete the instrument on your Watch List

• Add or remove a Price Alert for the instrument
• Amend the High and/or Low Price Alert

Maintain the Instruments on your Watch List

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the required Share Investor account.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the My Notifications sub-tab.
6. The My Watch List view will display a list of the instruments that you have added to your Watch
List.
7. Click on the Maintain easy button of the respective instrument.
8. The Maintain Instruction page will be displayed.
9. Make the required changes.
10. Click on Update.
11. A confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. Click on Confirm.
14. A results page will display the status of your request.
15. Click on Finish to complete the process.

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14.19.4 Remove an instrument from your Watch List

Use this function to remove an instrument from your Watch List.

Remove an Instrument from your Watch List

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the required Share Investor account.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the My Notifications sub-tab.
6. The My Watch List view will display a list of the instruments that you have added to your Watch
List.
7. Click on the Delete easy button of the respective instrument.
8. A confirmation page will be displayed.
9. Click on Yes to delete this instrument.
10. The deleted instrument will no longer be displayed on the My Watch List view.

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14.19.5 Buy an Instrument via your Watch List

Use this function to buy an instrument via your Watch List.

The instrument will be bought using the respective Share Investor account that you used to access your
Watch List.

Buy an Instrument via your Watch List

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the required Share Investor account.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the My Notifications sub-tab.
6. The My Watch List view will display a list of the instruments that you have added to your Watch
List.
7. Click on the Buy easy button of the respective instrument.
8. The Buy Shares page will open for the Share Investor account that you used to open your Watch
List.
9. Complete the required fields.
10. Click on Buy.
11. A Quote will be displayed.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. Before you can continue you will be required to read and accept the Terms and Conditions
regarding the quote.
14. Click on Confirm.
15. A results page will display the status of your request.
16. Click on Finish to complete the process.

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14.19.6 Sell an Instrument via your Watch List

Use this function to sell an instrument via your Watch List.

The instrument will be sold from the respective Share Investor account that you used to access your Watch
List.

Important Information about Selling a Share via your Watch List

• The Sell easy button will only be displayed for the instruments that you
hold and are available to sell.

Sell an Instrument via your Watch List

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the required Share Investor account.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the My Notifications sub-tab.
6. The My Watch List view will display a list of the instruments that you have added to your Watch
List.
7. Click on the Sell easy button of the respective instrument.
8. The Sell Shares page will open for the Share Investor account that you used to open your Watch
List.
9. Complete the required fields.
10. Click on Sell.
11. A Quote will be displayed.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. Before you can continue you will be required to read and accept the Terms and Conditions
regarding the quote.
14. Click on Confirm.
15. A results page will display the status of your request.
16. Click on Finish to complete the process.

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14.20 My Price Alerts

Use this function to create and manage your own Price Alerts on instruments. By setting up a Price Alert you
will be notified when the price that you have captured is reached.

You can set up both a High Price Alert and a Low-Price Alert, or just one of the two - it is not a requirement
to set up both.

If you set up both a High Price Alert and a Low-Price Alert per instrument, the prices captured for each one
cannot be the same.

You can have a separate Price Alert list for each Share Investor account that you have.

Important Information about My Price Alerts

• There is a cost associated with this service; please refer to the pricing
guide.
• Alerts will be sent to your inContact details; please ensure that these
details are up to date.
• All prices quoted are 15 minutes delayed.
• There is a cost per alert that is triggered.
• A Price Alert will automatically expire after 6 months.
• If, for any reason, an instrument becomes not tradable after an alert was
created, the alert will automatically be removed.

The following functionality is available:

• Add a Price Alert on an instrument

• View instruments with Price Alerts
• Maintain the Price Alert on an instrument
• Remove the Price Alert on an instrument
• Buy an instrument via your Price Alert list
• Sell an instrument via your Price Alert list

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4.20.1 Add a Price Alert on an Instrument

Use this function to add a Price Alert on an instrument.

You can set up both a High Price Alert and a Low-Price Alert, or just one of the two - it is not a requirement
to set up both.

If you set up both a High Price Alert and a Low-Price Alert per instrument, the prices captured for each one
cannot be the same.

• Have the required Instrument Names or Instrument Codes on hand as

you will need to enter these.

Add a Price Alert on an Instrument

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the required Share Investor account.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the My Notifications sub-tab and select the My Price Alerts view.
6. The My Price Alerts view will be displayed.
7. Click on Add (+) in the table actions.
8. Click on the Instrument to my Price Alerts hyperlink.
9. Enter the Instrument Name or Instrument Code and click on Search.
10. All instruments matching your search criteria will be displayed.
11. Click on the Select easy button to add the respective instrument.
12. The Add Instrument to Price Alerts page will be displayed.
13. Select Yes to add the instrument to your Price Alerts.
14. Enter the High and/or Low price for the alert.
15. If you would like to add this instrument to your Watch List, click on Yes.
16. Click on Add.
17. A confirmation page will be displayed.
18. Check that this information is correct and, if necessary, click on Edit to make amendments.
19. Before you can continue you will be required to read and accept the Terms and Conditions for this
service.
20. Click on Confirm.
21. A results page will display the status of your request.

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 22. Click on Finish to complete the process.
23. The selected instrument will now reflect on your My Price Alerts view.

14.20.2 View instruments with Price Alerts

Use this function to view the Instruments that you have added to your Price Alerts.

The following information is displayed per instrument:

• Instrument Code / Name

• Expiry Date of the Price Alert
• Instruction High Price
• Instruction Low Price

View Instruments with Price Alerts

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the required Share Investor account.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the My Notifications sub-tab and select the My Price Alerts view.
6. The instruments that you have added to your Price Alert list will be displayed on the My Price Alerts
view.

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14.20.3 Maintain the Price Alert on an instrument

Use this function to maintain the instruments on your Price Alert list.

You can maintain the following:

• Keep or delete the instrument on your Price Alert list

• Amend the High and/or Low Price Alert
• Add or remove the instrument on your Watch List

Maintain the Price Alerts on an Instrument

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the required Share Investor account.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the My Notifications sub-tab and select the My Price Alerts view.
6. The My Price Alerts view will display a list of the instruments that you have added to your Price
Alert list.
7. Click on the Maintain easy button of the respective instrument.
8. The Maintain Instruction page will be displayed.
9. Make the required changes.
10. Click on Update.
11. A confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. Before you can continue you will be required to read and accept the Terms and Conditions for this
service.
14. Click on Confirm.
15. A results page will display the status of your request.
16. Click on Finish to complete the process.

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14.20.4 Remove the Price Alert on an Instrument

Use this function to remove the Price Alert from an instrument.

Remove the Price Alert on an Instrument

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the required Share Investor account.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the My Notifications sub-tab and select the My Price Alerts view.
6. The My Price Alerts view will display a list of the instruments that you have added to your Price
Alert list.
7. Click on the Delete easy button of the respective instrument.
8. A confirmation page will be displayed.
9. Click on Yes to delete this instrument.
10. The My Price Alerts page will no longer display the deleted Price Alert.

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14.20.5 Buy an instrument via your Price Alert list

Use this function to buy an instrument via your Price Alert list.

The instrument will be bought using the account that you used to access your Price Alert list.

Buy an Instrument via your Price Alert list

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the required Share Investor account.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the My Notifications sub-tab and select the My Price Alerts view.
6. The My Price Alerts view will display a list of the instruments that you have added to your Price
Alert list.
7. Click on the Buy easy button of the respective instrument.
8. The Buy Shares page will open for the Share Investor account that you used to open your Watch
List.
9. Complete the required fields.
10. Click on Buy.
11. A Quote will be displayed.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. Before you can continue you will be required to read and accept the Terms and Conditions
regarding the quote.
14. Click on Confirm.
15. A results page will display the status of your request.
16. Click on Finish to complete the process.

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14.20.6 Sell an instrument via your Price Alert list

Use this function to sell an instrument via your Price Alert list.

The instrument will be sold from the account that you used to access your Price Alert list.

Sell an Instrument via your Price Alert list

1. Click on the Invest in Shares + Gold tab.
2. Your existing Share Investment Accounts will be displayed.
3. Click on the Name hyperlink of the required Share Investor account.
4. Your current Holdings for the selected account will be displayed on the My Portfolio sub-tab.
5. Click on the My Notifications sub-tab and select the My Price Alerts view.
6. The My Price Alerts view will display a list of the instruments that you have added to your Price
Alert list.
7. Click on the Sell easy button of the respective instrument.
8. The Sell Shares page will open for the Share Investor account that you used to open your Price
Alert list.
9. Complete the required fields.
10. Click on Sell.
11. A Quote will be displayed.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. Before you can continue you will be required to read and accept the Terms and Conditions
regarding the quote.
14. Click on Confirm.
15. A results page will display the status of your request.
16. Click on Finish to complete the process.

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 15. Forex Tab

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15.1 Forex Tab Overview

Forex is the exchange of foreign currency which enables trade and transactions between countries.

Global Accounts
Resident South African citizens and businesses can have the following Global Accounts linked to their
Online Banking profile:

• Australian Dollar • Indian Rupee

• British Pound • Swiss Franc
• Canadian Dollar • United Arab Emirates
• Chinese Renminbi Dirham
• Euro • US Dollar

Note: Currently, Outward Payments, Inward Payments and Transfers from/to a Renminbi account can not
be performed using an Australian Dollar or Indian Rupee account.

Multi-Currency Debit Cards

A multi-currency debit card enables clients to pay for goods and services online or globally utilising any of
the four global currencies on the card.

Clients can load and transact in the following currencies on a single multi-currency debit card:

South African Rand, Euro, British Pound and US Dollar.

The following functionality is available for Multi-Currency Debit Cards:

• View Cards • View and/or Change Card PIN
• Order Card • PIN Reactivation
• Activate Card • Card Expiry
• View card list • Block and Unblock Card
• Cancel Card • Online Secure updates
• Maintain Card Limits

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Forex Functionality on Online Banking

Global Payments
• Make payments to foreign currency accounts
o Add and Maintain beneficiaries on your Global Recipients List
o Create and Maintain Global Payment transactions
▪ Make a Once-Off Global Payment
▪ Pay an existing Global Recipient
o View your Global Payments transaction history

Global Receipts
• Take receipt of foreign currency payments directly into your account
o View New Global Receipts
o Maintain Global Receipts
o Create and Maintain Standing Instructions for recurring Global Receipts
o View your Global Receipts transaction history

Global Transfers
• Transfer funds to, from or between your Global Accounts

Order Forex
• Buy Forex Notes and/or Cash Passports
• Top Up Active Cash Passports
• View Forex Order History
• Upload Documents

PayPal Services
• Use your PayPal account to transact internationally and eliminate the risk of having to divulge any
personal information. You can buy and sell products online and receive payments directly into your
PayPal account, or use your PayPal account to send and receive money globally.
• Top Up your PayPal Account in U.S. Dollars from your Online Banking account.
• Withdraw available funds from your PayPal Account and transfer them into an account linked to your
Online Banking profile.

Document Upload
• Upload supporting documentation for your Forex transactions.

Important Information:
• Forex functionality is restricted to the Primary User (Profile Owner).
• For advice or general Forex queries please contact the Forex Help Line on 08601 FOREX (36739).

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15.2 Global Payments

The Global Payments tab enables you to send money abroad.

The following functionality is available on the Global Payments tab:

• Apply online for a Global Account

• Add and maintain beneficiaries on your Global Recipients List
• Make regular or once-off payments to a Global Recipient (International Beneficiary)
• View your Global Payments transaction history

15.2.2 Add a Global Recipient

Use this function to save the banking details of the international individuals or companies that you pay
regularly to your Global Recipients list.

By adding these beneficiaries to your Global Recipient list, you can make payments to them without having
to capture their account details every time.

Important Information about Adding a Global Recipient

• No validation of the intended recipient account name against the recipient

account number shall be done in respect of Forex payments.

You will need to capture the following information about the recipient:
• Recipient Details (Name and Physical Address)
• Recipient Bank Details
Based on the beneficiary country, one of the following international banking
details must be completed:
o IBAN and BIC/SWIFT code (Used mostly by European countries,
Middle East, etc.)
o NIB and BIC/SWIFT code (Mozambique)
o IFSC code and BIC/SWIFT code (India)
o Account Number and Routing Code (All other countries)

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Add a Global Recipient

1. Click on the Forex tab and, if it is not already selected, click on the Beneficiaries view.
2. Click on the (+) Add table action and then click on the Add Beneficiary hyperlink.
3. Select whether the recipient/beneficiary is an Individual or a Business.
4. The Beneficiary Details capture page will be displayed.
5. Complete the Beneficiary’s Details, Physical Address, Bank Details and Special Routing
Instructions (if required).
If required, use the Search function to find the beneficiary bank.
6. Click on Submit.
7. The Payment Details capture page will be displayed.
8. Complete the Payment Details and select the Charge Option, i.e. who will be paying for the
charges.
9. Click on Continue.
10. A confirmation page will be displayed.
11. Check that these details are correct and, if required, click on Edit to make any amendments.
12. Click on Continue.
13. A results page will display the status of your request.
14. If your request was successful, you can click on Pay Now to make a Global Payment to this
recipient now.
15. Click on Finish to complete the process.

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15.2.3 Maintain a Global Recipient

Use this function to edit the Bank Account and/or Personal Details of a beneficiary that has been added to
your Global Recipients list.

Maintain a Global Recipient

1. Click on the Forex tab and, if it is not already selected, click on the Beneficiaries view.
2. A list of your Global Recipients and the details of the last payment made to each recipient is
displayed.
3. Click on the Maintain easy button for the respective recipient.
4. The Modify Global Recipient capture page will be displayed.
5. Make the required changes.
6. Click on Update.
7. A confirmation page will be displayed.
8. Check that these details are correct and, if required, click on Edit to make any amendments.
9. Click on Continue.
10. A results page will display the status of your request.
11. Click on Finish to complete the process.

15.2.4 Delete a Global Recipient

Use this function to permanently delete a beneficiary's details from your Global Recipients list.

Delete a Global Recipient

1. Click on the Forex tab and, if it is not already selected, click on the Beneficiaries view.
2. A list of your Global Recipients and the details of the last payment made to each recipient is
displayed.
3. Click on the Delete easy button for the respective recipient.
4. The Delete Global Recipient confirmation page will be displayed.
5. Check that these details are correct and, if required, click on Cancel to abandon the request.
6. Click on Delete.
7. A results page will display the status of your request.
8. Click on Finish to complete the process.

15.2.5 View or Search Global Recipients

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Use this function to view and search for existing beneficiaries that you have saved to your Global Recipients
list.

View or Search Global Recipients

1. Click on the Forex tab and, if it is not already selected, click on the Beneficiaries view.
2. A list of your Global Recipients and the details of the last payment made to each recipient is
displayed.
3. Click on the Search table action and then enter any part of the description that you are looking for.
4. A list of all possible recipients matching your search criteria will be displayed.
5. Click on the Name hyperlink to view the Recipient's Details.

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15.2.6 Once-Off Global Payment

This function enables you to make a payment via SWIFT, in another country’s currency, to an international
bank account.

SWIFT, Society for Worldwide Inter-Bank Financial Telecommunication, is an electronic communication

method used by banks all over the world to correspond with each other in a secure and standardised way.

Important Information about Global Payments

• Although the transaction may take between 2 to 4 days to process, the funds are
debited from the selected account immediately.
• Charges for a Global Payment can only be debited to a South African transactional
account.
• It is imperative that all information is captured correctly as it is required for Balance
of Payment (BOP) reporting to the South African Reserve Bank (SARB).
• Depending on the nature of the transaction, your payment may be referred and you
will be required to supply us with additional documents.
• Remember to keep your reference number on hand should you have any queries.
• For advice or general Forex queries please contact the Forex Help Line via phone
or email.

You will need to capture the following information about the recipient:
• Recipient Details (Name and Physical Address)
• Recipient Bank Details
Based on the beneficiary country, one of the following international banking details must be
completed:
o IBAN and BIC/SWIFT code (Used mostly by European countries, Middle
East, etc.)
o NIB and BIC/SWIFT code (Mozambique)
o IFSC code and BIC/SWIFT code (India)
o Account Number and Routing Code (All other countries)
• If permission was obtained from the SARB for this payment, you will be required to
enter the SARB Authority Application Number and the SARB Authority Reference
Number for the transaction.

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How to Make a Once-Off Global Payment

Step 1 (Applicant Details)

1. Click on the Forex tab.

2. Select the Global Payments sub-tab.

3. Select the Create + Maintain view.

4. Click (+) Add and then select Once-Off Payment.

5. The Once-Off Global Payment capture screen will be displayed.

6. Select whether the recipient/beneficiary is an Individual or a Business.
7. The Beneficiary Details capture page will be displayed.
8. Complete the Beneficiary’s Details, Physical Address and Bank Details.
If required, use the Search function to find the recipient’s bank.
9. If you intend to make payments to this beneficiary again, select the Yes option for Save Beneficiary
for Future Use to add this beneficiary to your Global Recipient List; you will be required to
complete the Beneficiary Alias.
10. If the recipient has provided additional payment instructions, select the Yes option for Have you
Been Provided with Additional Payment Instructions and enter the respective information.
11. Click on Continue.

Step 2 (Transaction Details)

12. The Transaction Details capture page will be displayed.
13. Select the Settlement Account, i.e. the account that should be debited for this global payment.
14. Select the required Payment Currency.
15. Select which currency to display the transaction amount in.
16. Specify the transaction amount, as per the specified currency.
17. Enter the My Reference; this is the reference that will appear on your bank statement.
18. Enter the Their Reference; this is the reference that will appear on the beneficiary’s bank statement.
19. Select the Charge Option, i.e. who will be paying for the charges.
20. Select the bank account that should be debited with the charges.
21. Click on Continue.

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Step 3 (Deal Allocation)
22. If you have pre-booked rates, the Deal Allocation page will be displayed.
• If you did not book rates through the dealers, this page will not be displayed. You will
receive a quote for the transaction, which you can Accept or Decline, at the end of the
process.
23. Click in the checkbox/es of the respective deals that you would like to allocate to this transaction
and then click on Add.
24. You will be required to specify the amount from each deal that you would like to allocate to this
transaction.
25. Before you can continue, you will be required to accept the Disclaimer.
26. Click on Continue.

Step 4 (Regulatory Reporting)

27. State the Reason for your Transaction by selecting the respective Balance of Payments (BoP)
Category and then selecting the respective BoP Code; this information is required for reporting
purposes by the South African Reserve Bank (SARB).
28. You can search for the BoP Code by Category Code or by Keyword.
29. Click on the hyperlink of the respective BoP Code to select it.
30. You may be required to complete additional information based on the type of BoP code that you
select.
• If the transaction requires split reporting, i.e. multiple BoP Codes, multiple Movement
Reference Numbers (MRN) or Invoice Numbers, or there are multiple third parties, you need
to capture each BoP Code separately. The combined amount allocated to each of the BoP
codes must be equal to the total payment amount for the transaction.
31. Click on Continue.

Step 5 (Document Upload)

Depending on the BoP Code/s selected for the payment, additional documents may be required for
Exchange Control purposes. If applicable, the system will confirm which documents are required to
complete your application.
• The maximum size limit per document is 10MB.
• Only the following file formats can be uploaded: PDF, Jpeg, Tiff or Gif.
28. The Document Upload page will display a list of the documents required for this transaction.
29. Click on (+) Add and then select Add Document.
30. Select the relevant Document Type.
31. Click on Browse to locate the file.
32. Click on Upload.
33. An upload Results Page will be displayed.
34. Once you have uploaded the required documents, click Finish to proceed.

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Step 6 (Application Summary)
35. A Confirmation page will be displayed.
36. Check that these details are correct and, if required, click on Edit to make any amendments or click
on Accept to proceed.
• Amendments can be made to the Transaction Details, Pre-Booked Deals, Beneficiary
Details and Regulatory Reporting, should they be required.
37. You will be required to accept the Regulatory Declaration and the Terms and Conditions.
38. Click Submit.
39. If you did not pre-book a rate, then a Quote will be included.
40. You will have 120 seconds (2 minutes) to either Decline the Quote or Accept the Quote.
• For statistical purposes, if you elect to Decline the Quote you will be prompted to give a
reason.
• If you Decline the quote, the application will be stored in the Create + Maintain view.
41. Check that these details are correct and, if required, click on Edit to make any amendments or click
on Accept to proceed.
42. The Results page will display the Reference Number and Status of your request.
43. Click on Finish to complete the process.
44. The Global Payment will now reflect under your Global Payment History with the respective
status, e.g. Pending.

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15.2.7 Pay a Global Recipient

Use this function to apply online to make a Global Payment to an international beneficiary that has been
saved to your Global Recipients list.

This function enables you to make a payment via SWIFT, in another country’s currency, to a beneficiary that
you have added to your Global Recipient list.

SWIFT, Society for Worldwide Inter-Bank Financial Telecommunication, is an electronic communication

method used by banks all over the world to correspond with each other in a secure and standardised way.

Important Information about Paying Global Recipients

• Although the transaction may take between 2 to 4 days to process, the

funds are debited from the selected account immediately.
• Charges for a Global Payment can only be debited to a South African
transactional account.
• It is imperative that all information is captured correctly as it is required for
Balance of Payment (BOP) reporting to the South African Reserve
Bank (SARB).
• For advice or general Forex queries please contact the Forex Help Line
via phone or email.

How to Pay an Existing Global Recipient

Step 1 (Applicant Details)

1. Click on the Forex tab and, if it is not already selected, select the Beneficiaries view.
2. A list of your Global Recipients will be displayed.
3. Click on the Pay easy button for the respective recipient.

Step 2 (Transaction Details)

4. The Transaction Details capture page will be displayed.
5. Select the Settlement Account, i.e. the account that should be debited for this global payment.
6. Complete the Payment Details, i.e. Currency, Amount and Transaction References.
7. Select the Charge Option, i.e. who will be paying for the charges
8. Select the bank account that should be debited with the charges.
9. Click on Continue.

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Step 3 (Deal Allocation)
10. If you have pre-booked rates, the Deal Allocation page will be displayed.
• If you did not book rates through the dealers, this page will not be displayed. You will
receive a quote for the transaction, which you can Accept or Decline, at the end of the
process.
11. Click in the checkbox/es of the respective deals that you would like to allocate to this transaction
and then click on Add.
12. You will be required to specify the amount from each deal that you would like to allocate to this
transaction.
13. Before you can continue, you will be required to accept the Disclaimer.
14. Click on Continue.

Step 4 (Regulatory Reporting)

15. State the Reason for your Transaction by selecting the respective Balance of Payments (BoP)
Category and then selecting the respective BoP Code; this information is required for reporting
purposes by the South African Reserve Bank (SARB).
16. You can search for the BoP Code by Category Code or by Keyword.
17. Click on the hyperlink of the respective BoP Code to select it.
18. You may be required to complete additional information based on the type of BoP code that you
select.
• If the transaction requires split reporting, i.e. multiple BoP Codes, multiple Movement
Reference Numbers (MRN) or Invoice Numbers, or there are multiple third parties, you need
to capture each BoP Code separately. The combined amount allocated to each of the BoP
codes must be equal to the total payment amount for the transaction.
19. Click on Continue.

Step 5 (Document Upload)

20. Depending on the BoP Code/s selected for the payment, additional documents may be required
for Exchange Control purposes. If applicable, the system will confirm which documents are required
to complete your application.
• The maximum size limit per document is 10MB.
• Only the following file formats can be uploaded: PDF, Jpeg, Tiff or Gif.
21. The Document Upload page will display a list of the documents required for this transaction.
22. Click on (+) Add and then select Add Document.
23. Select the relevant Document Type.
24. Click on Browse to locate the file.
25. Click on Upload.
26. An upload Results Page will be displayed.

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 27. Once you have uploaded the required documents, click Finish to proceed.

Step 6 (Application Summary)

28. A Confirmation page will be displayed.
29. Check that these details are correct and, if required, click on Edit to make any amendments or click
on Accept to proceed.
• Amendments can be made to the Transaction Details, Pre-Booked Deals, Beneficiary
Details and Regulatory Reporting, should they be required.
30. You will be required to accept the Regulatory Declaration and the Terms and Conditions.
31. Click Submit.
32. If you did not pre-book a rate, then a Quote will be included.
• For statistical purposes, if you elect to Decline the Quote you will be prompted to give a
reason.
• If you Decline the quote, the application will be stored in the Create + Maintain view.
33. Check that these details are correct and, if required, click on Edit to make any amendments or click
on Accept to proceed.
34. The Results page will display the Reference Number and Status of your request.
35. Click on Finish to complete the process.
36. The Global Payment will now reflect under your Global Payment History with the respective
status, e.g. Pending.

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15.2.8 View Global Payment History

Use this function to view a history of Global Payments that you have initiated on Online Banking.

The following information is displayed:

• Value Date (Application Date)

• Name (Recipient)
• Reference Number
• Amount and Currency
• Status
• View Uploaded Documents
• View Settlement Confirmation Letters

View Global Payment History

1. Click on the Forex tab.
2. If you have previously made Global Payments via Online Banking these transactions will be displayed in
your Forex Payment History.
3. A list of your Global Payment Transactions, together with the details and status of the transaction,
are displayed.
4. To view the Application Details for a transaction, click on the Name hyperlink.

When viewing the Application Details for a Global Payment transaction you can click on the Add Recipient
button to automatically save this beneficiary's details to your Global Recipients list.

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15.3 Global Receipts

This function enables you to take receipt of a foreign currency payment from an international bank directly
into your account.

• Obtain a real-time foreign exchange quote before processing the transaction.

• Defer the processing of the transaction for a maximum of 30 days so that you can trade at the best
exchange rates.

The following functionality is available online:

• View New Global Receipts

• Process New Global Receipts
o Reject
o Process
• Maintain Global Receipts (Pending Receipts)
o Maintain
o Get Quote
• View Global Receipt Transaction History
• View Global Receipt Transaction Details
• Manage Standing Instructions (recurring Global Receipts)

Important Information about Global Receipts

• It is imperative that all information is captured correctly as it is required for

Balance of Payment (BOP) reporting to the South African Reserve Bank
(SARB).
• In terms of current Exchange Control Regulations funds received from
abroad must be converted into Rand within 30 days from receipt in
South Africa. Failure to convert the funds within this 30-day period will
automatically result in the funds being returned to the originating bank.
• Should you be expecting a payment and it is not reflected on the Global
Receipts page, please contact the Forex Help Line via phone or email.

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15.3.1 View New Global Receipts

Use this function to view your Global Receipts.

View New Global Receipts

1. Click on the Forex tab.

2. Click on the Global Receipts sub-tab and select the New Receipts view.
3. A list of Global Receipts that require processing will be displayed.
4. Click on the Remitter’s Name hyperlink to view more about them.
5. Click on View SWIFT to view the SWIFT details for the transaction.
6. If you believe that the Global Receipt is not intended for you, click on the Not For Me easy button to
have the funds returned to the originating bank.

15.3.2 Process New Global Receipts

Use this function to provide processing instructions for foreign currency payments received by you (Global
Receipts).

The following functionality is available:

• Reject a Global Receipt

• Process a Global Receipt (Get Quote)

Once you have captured the Global Receipts processing details, you have the option to Save and Exit the
process or to Submit it for processing.

• Saved Global Receipts can be viewed on the Global Receipts Maintain view.
• Submitted Global Receipts can be viewed on the Global Receipts History view.

You may assign multiple Pre-Booked Deals to the full or partial transaction amount. If you assign a partial
amount, the remainder of the transaction amount will be booked at a spot rate at the time that the quote is
generated.

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15.3.2.1 Reject a Global Receipt

Use this function to reject a Global Receipt and have the funds returned to the originating bank.

Reject a Global Receipt

1. Click on the Forex tab.

2. Click on the Global Receipts sub-tab and select the New Receipts view.
3. A list of Global Receipts that require processing will be displayed.
4. Click on the Remitter’s Name hyperlink to view more about them.
5. Click on View SWIFT to view the SWIFT details for the transaction
6. If you believe that the Global Receipt is not intended for you or if the transaction details are
incorrect, click on the Not For Me easy button to have the funds returned to the originating bank.

15.3.2.2 Process a Global Receipt

Use this function to capture the processing details for a Global Receipt and to obtain a quote for the
Foreign Exchange rates.

Process New Global Receipts

1. Click on the Forex tab.

2. Click on the Global Receipts sub-tab and select the New Receipts view.
3. A list of Global Receipts that require processing will be displayed.
4. Click on the Proceed easy button to action the receipt.
5. The Transaction Details (Remitter’s Details, Settlement Account, Standing Instructions (Recurring
Global Receipts), Reference and Value Date) will be displayed.
6. Select the Charge Account, i.e., the account to be debited with the fees associated with the transaction.
7. Click on Continue.
8. If applicable, the deal allocation page will be displayed.

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Pre-Booked Deal/s:

9. If you have Pre-Booked Deals, all deals matching the Transaction criteria will be displayed for selection.
Click in the checkbox/es of the respective deal/s that you would like to allocate to this transaction, and
you will be required to specify the amount from each deal that you would like to allocate to this
transaction
10. Click on Continue.
11. The Regulatory Reporting capture page will be displayed; this information is required for reporting to
the South African Reserve Bank (SARB).
12. Search for the respective Balance of Payments (BOP) codes and select to add to the application.
13. You may be required to complete additional information based on the type of BOP code that you select.

If you select multiple BOP codes, or if you have multiple invoices for the transaction, you need to
capture each BOP Code separately. The combined amounts allocated to each of the BOP codes
must be equal to the total value of the transaction.

14. Click on Continue.

15. Read and accept the Regulatory Declaration and the Terms and Conditions on the application summary
page
16. Click on Continue.

No Pre-Booked Deal:

17. If you did not pre-book a rate, then a Quote will be included. This quote is only valid for 2 minutes.
If the quote expires you have the option to Re-Quote now or Quote Later.
18. You will have the option to either Decline the Quote or Accept the Quote.
For statistical purposes, if you elect to Decline the Quote you will be prompted to give a reason.
19. Click on Accept.

20. A Confirmation page will be displayed.

21. Check that these details are correct and, if required, click on Edit to make any amendments or click on
Confirm to proceed.
22. Depending on the nature of the transaction you may be required to Upload Documents. If you do not
have these documents on hand you can click on Skip and upload them later. (Global Receipts >
Maintain)
23. The Results page will display the Reference Number and Status of your request.
24. Click on Finish to complete the process.
25. The Global Receipt will now reflect under your Global Receipts History with the respective status, e.g.,
Work in Progress, Documents Required etc.

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15.3.3 Maintain a Global Receipt

Use this function to maintain or delete a pending Global Receipt, i.e., Saved and not yet submitted or where
you selected the Quote Later option.

The following functionality is available:

• Maintain a Pending Global Receipt

• Get a Quote for a Pending Global Receipt

15.3.3.1 Maintain a Pending Global Receipt

Use this function to maintain any of the details of a saved Global Receipt.

The following information can be maintained:

• Applicant Details
• Transaction Details
• Pre-Booked Deals
• BOPS Reporting

Maintain a Pending Global Receipt

1. Click on the Forex tab.

2. Click on the Global Receipts sub-tab and select the Maintain view.
3. A list of the Global Receipts that you have initiated and saved on Online Banking will be displayed
together with their respective status.
4. Click on the Maintain easy button of the respective transaction.
5. Amend the details as required.

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15.3.3.2 Get a Quote for a Pending Global Receipt

Use this function to request a new quote for a pending Global Receipt.

Get a Quote for a Pending Global Receipt

1. Click on the Forex tab.

2. Click on the Global Receipts sub-tab and select the Maintain view.
3. A list of the Global Receipts that you have initiated and saved on Online Banking will be displayed
together with their respective status.
4. Click on the Get Quote easy button of the respective transaction.
5. A new quote will be displayed.
6. You will have the option to either Decline the Quote or Accept the Quote.

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15.3.4 View Global Receipt History

Use this function to view a history of the Global Receipts that you have initiated via Online Banking.

The following information is displayed:

• Remitter’s Name
• Application Reference
• Value Date
• Amount
• Days to Action
• Status
• View Uploaded Documents
• View Settlement Confirmation Letters

View Global Receipt History

1. Click on the Forex tab.

2. Click on the Global Receipts sub-tab and select the History view.
3. A list of the Global Receipts that you have initiated via Online Banking will be displayed together with
their respective status.
4. Click on the respective Name hyperlink to view the details of the transaction.
5. If there is an action required for the transaction to be processed, the Status of the transaction will be
hyperlinked, simply click on the hyperlink to continue with the process., e.g., Upload Documents, Get
Quote etc.

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15.3.5 View Global Receipt Details

Use this function to view the details of a Global Receipt that you have initiated via Online Banking.

The following information is displayed:

• Remitter’s Name
• Application Reference
• Value Date
• Amount
• Status

View Global Receipts Details

1. Click on the Forex tab.

2. Click on the Global Receipts sub-tab and select the History view.
3. A list of the Global Receipts that you have initiated via Online Banking will be displayed together with
their respective status.
4. Click on the respective Name hyperlink to view the details of the transaction.
5. If there is an action required for the transaction to be processed, the Status of the transaction will be
hyperlinked, simply click on the hyperlink to continue with the process., e.g., Upload Documents, Get
Quote etc.

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15.3.6 Manage Standing Instructions

Use this function to delete a standing instruction.

A standing instruction refers to a recurring Global Receipt for which you have authorised FNB to process the
transaction automatically at the daily spot rate.

Manage Standing Instructions

1. Click on the Forex tab.

2. Click on the Global Receipts sub-tab and select the Standing Instructions view.
3. A list of the recurring Global Receipts that you have authorised the bank to process (Standing
Instructions) will be displayed.
4. Click on the Delete easy button of the respective transfer.
5. A confirmation page will be displayed.
6. Click on Cancel to keep the Standing Instruction or click on Confirm to delete it.
7. A results page will display the status of your request.
8. Click on Finish to complete the process.

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15.4 Global Transfers

Use this function to transfer funds to, from, or between your Global Account/s.

There are three possible scenarios for Global Account Transfers:

1. Transfer funds from a South African transactional account to a Global Account

2. Transfer funds from a Global Account to a South African transactional account
3. Transfer funds from one Global Account to another Global Account

The following functionality is available:

• Create a Global Transfer

• Maintain a Global Transfer (Saved Transfers)
o Maintain
o Delete
o Get Quote
• View Global Transfer History (Submitted Transfers)
• View Global Transfer Details

Important Information about Global Transfers

• It is imperative that all information is captured correctly as it is required for

Balance of Payment (BOP) reporting to the South African Reserve
Bank (SARB).
• For advice or general Forex queries please contact the Forex Help Line
via phone or email.

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15.4.1 Create a Global Transfer

Use this function to transfer funds to, from, or between your Global Account/s.

Once you have captured the Global Transfer details, you have the option to Save and Exit the process or to
Submit it for processing.

• Saved Global Transfers can be viewed on the Global Transfers Maintain view.
• Submitted Global Transfers can be viewed on the Global Transfers History view.

You may assign multiple Pre-Booked Deals to the full or partial transaction amount. If you assign a partial
amount, the remainder of the transaction amount will be booked at a spot rate at the time that the quote is
generated.

Business Rules:

• All Forex functionality is restricted to the Primary User (Profile Owner).

• Charges for a Forex Transfer can only be debited to a South African transactional account.
• It is imperative that all information is captured correctly as it is required for Balance of Payment
(BOP) reporting to the South African Reserve Bank (SARB).
• Global account transfers will not reflect immediately. Once the online instruction has been
submitted you will be able to track the status of the transaction by viewing your Forex Transfer
Applications.

Quick Tip:

• When transferring funds from a South African transactional account to a Global Account you will
be required to submit a valid SARS Tax Compliance Status (TCS) PIN letter.

Create a Global Transfer

1. Click on the Forex tab.

2. Click on the Global Transfers sub-tab
3. The Global Transfer capture page will be displayed.
4. Select the Account that you would like to transfer the funds from.
5. Select the Account that you would like to transfer the funds to.

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6. Complete the Transaction Details (Currency, Amount, References and Value Date) in the fields
provided.
7. Click on Continue.
Should any details be missing from your profile; the Missing Details page will be displayed.
8. If you have a Pre-booked deal, the deal allocation page will be displayed.
. If you did not Pre-Book a Rate, move to Step 18; you will receive a quote for the transaction,
which you can Accept or Decline, at the end of the process.
9. Click in the check box of the respective deal and specify the amount from this deal that you would like to
allocate to this transaction.
. If you do not wish to use any of the deals displayed, click in the Please Note check box to
authorise and agree to using the prevailing rate.
10. Click on Continue.
11. Should regulatory reporting be required, the Regulatory Reporting capture page will be displayed; this
information is required for reporting to the South African Reserve Bank (SARB).
12. Click on the Add a BOP Category Code hyperlink to search for the respective Balance of Payments
(BOP) codes.

13. You may be required to complete additional information based on the type of BOP code that you select.
• If you select multiple BOP codes, or if you have multiple invoices for the transaction, you need to
capture each BOP Code separately. The combined value allocated to each of the BOP codes must
be equal to the total payment amount for the transaction.
14. Click on Continue.

15. An Application Summary page will be displayed. Check that these details are correct and, if required,
click on Edit to make any amendments or click on Confirm to proceed.
16. Read and accept the Regulatory Declaration and the Terms and Conditions.
17. Click on Continue.
18. If you did not pre-book a rate, then a Quote will be included. This quote is only valid for 2 minutes.
If the quote expires you have the option to Re-Quote now or Quote Later.
19. You will have the option to either Decline the Quote or Accept the Quote.
For statistical purposes, if you elect to Decline the Quote you will be prompted to give a reason.
20. Click on Accept.
21. A Confirmation page will be displayed.
22. Depending on the nature of the transaction, you may be required to Upload Documents. If you do not
have these documents on hand you can click on Skip and upload them later. (Global Transfers >
Maintain)
23. The Results page will display the Reference Number and Status of your request.
24. Click on Finish to complete the process.
25. The Global Transfer will now reflect under your Global Transfers History with the respective status,
e.g., Work in Progress, Documents Required etc.

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15.4.2 Maintain a Global Transfer

Use this function to maintain or delete a pending Global Transfer, i.e., Saved and not yet submitted where
you selected the Quote Later option.

The following functionality is available:

• Maintain a Pending Global Transfer

• Delete a Pending Global Transfer
• Get a Quote for a Pending Global Transfer

15.4.2.1 Maintain a Pending Global Transfer

Use this function to maintain any of the details of a saved Global Transfer.

The following information can be maintained:

• Applicant Details
• Transaction Details
• Pre-Booked Deals
• BOPS Reporting

Maintain a Pending Global Transfer

1. Click on the Forex tab.

2. Click on the Global Transfers sub-tab and select the Maintain view.
3. A list of the Global Transfers that you have initiated and saved on Online Banking will be displayed
together with their respective status.
4. Click on the Maintain easy button of the respective transfer.
5. The Application Summary screen will be displayed.
6. Click Edit and amend the details as required.

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15.4.2.2 Delete a Pending Global Transfer

Use this function to delete a pending Global Transfer.

Delete a Pending Global Transfer

1. Click on the Forex tab.

2. Click on the Global Transfers sub-tab and select the Maintain view.
3. A list of the Global Transfers that you have initiated and saved on Online Banking will be displayed
together with their respective status.
4. Click on the Delete easy button of the respective transfer.
5. A confirmation page will be displayed.
6. Click on Cancel to keep the pending transfer or click on Confirm to delete it.
7. A results page will display the status of your request.
8. Click on Finish to complete the process.

15.4.2.3 Get a Quote for a Pending Global Transfer

Use this function to request a new quote for a pending Global Transfer.

Get a Quote for a Pending Global Transfer

1. Click on the Forex tab.

2. Click on the Global Transfers sub-tab and select the Maintain view.
3. A list of the Global Transfers that you have initiated and saved on Online Banking will be displayed
together with their respective status.
4. Click on the Get Quote easy button of the respective transfer.
5. A new quote will be displayed.
6. You will have the option to either Decline the Quote or Accept the Quote.

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15.4.3 View Global Transfer History

Use this function to view a history of the Global Transfers that you have initiated via Online Banking.

The following information is displayed:

• Application Number
• From Account and Reference
• To Account and Reference
• Value Date
• Amount
• Status
• View Uploaded Documents
• View Settlement Confirmation Letters

View Global Transfer History

1. Click on the Forex tab.

2. Click on the Global Transfers sub-tab and select the History view.
3. A list of the Global Transfers that you have initiated via Online Banking will be displayed together with
their respective status.
4. Click on the respective Application Number hyperlink to view the details of a Forex Transfer.
5. If there is an action required for the transfer to be processed, the Status of the transaction will be
hyperlinked, simply click on the hyperlink to continue with the process., e.g., Upload Documents, Get
Quote etc.

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15.4.4 View Global Transfer Details

Use this function to view the details of a Global Transfer that you have initiated via Online Banking.

The following information is displayed:

• Transfer Name
• Application Reference
• Value Date
• Amount
• Status

View Global Transfer Details

1. Click on the Forex tab.

2. Click on the Global Transfers sub-tab and select the History view.
3. A list of the Global Transfers that you have initiated via Online Banking will be displayed together with
their respective status.
4. Click on the respective Name hyperlink to view the details of the transaction.
5. If there is an action required for the transaction to be processed, the Status of the transaction will be
hyperlinked, simply click on the hyperlink to continue with the process., e.g., Upload Documents, Get
Quote etc.

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15.5 Order Forex

Use this function to purchase Foreign Notes and/or a Cash Passport for yourself or other travellers.

A Cash Passport is like an ATM card with the respective Foreign Currency preloaded on it; it is a much safer
option than travelling with cash. You can load up to four currencies on a Cash Passport. A Cash Passport is
valid for 5 years.

Multiple products and currencies can be ordered simultaneously.

You can select to collect your foreign currency products from a branch or have them delivered to you for a
fee.

The following functionality is available:

• Buy Forex Notes and/or Cash Passports

• Upload Documents
• Maintain Cash Passports
• View Forex Order History

Important Information about Ordering Forex

• It is imperative that all information is captured correctly as it is required for

Balance of Payment (BOP) reporting to the South African Reserve
Bank (SARB).
• As per the exchange control regulations of the South African Reserve
Bank, you may buy your foreign currency a maximum of 60 days before
your departure date.
• For orders to be finalised, a copy of the passport and travel documents
for each traveller is required.
• For advice or general Forex queries please contact the Forex Help Line
via phone or email.

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15.5.1 Buy Forex Notes and/or Cash Passports

Use this function to purchase Foreign Notes and/or a Cash Passport for yourself or other travellers.

A Cash Passport is valid for 5 years from the date of issue.

The following currencies can be loaded on a Cash Passport:

• US Dollar
• GB Pound
• Euro
• Australian Dollar

The following Foreign Currency Notes can be purchased online:

• US Dollar • Botswana Pula • Japanese Yen • Swedish Kroner
• GB Pound • Canadian Dollar
• Euro • Chinese • Mauritian Rupee • Swiss Franc

• Australian Dollar Renminbi • Thai Baht

• New Zealand Dollar
• Danish Kroner
• Norwegian Kroner • UAE Dirham

• Hong Kong Dollar • Singapore Dollar

Important Information about Ordering Forex Notes and/or Cash Passports

• You can not purchase Foreign Notes using a Global Account; you can
only purchase Cash Passports.
• The minimum purchase amount per currency for a Cash Passport must
be the equivalent of 100USD.
• You can purchase a maximum of 10 currency products; i.e.
combination of Notes and Cash Passports for each currency.
• If you use a Global Account to purchase currency for a Cash Passport,
the respective fees can only be paid from a ZAR account.
• For orders to be finalised, a copy of the passport and travel documents
for each traveller is required.
• There is a fee for courier delivery.
• For advice or general Forex queries please contact the Forex Help Line
via phone or email.

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 • If you have a Pre-Booked Deal, have the Deal Number on hand.
• Have a copy of the passport and travel documents for each traveller
scanned and saved on your pc.
• The document size may not exceed 10MB.
• Ensure that all fonts, words and pictures of documents supplied are clear
and legible.

Buy Forex Notes and/or Cash Passports

1. Click on the Forex tab and then click on the Order Forex sub-tab.
2. The foreign currencies that can be purchased online will be displayed on the Buy Forex view.
3. Hover over a country’s flag to see if the respective currency is available in Notes and/or a Cash
Passport.
4. Click in the respective tick box to select the Foreign Notes and Cash Passports that you would
like to purchase.
5. Click on Continue.
6. You will be prompted to select whom you are buying the Forex for; if you are a business user you
will only have the option to buy for ‘Other Travellers’.
7. The Order Forex capture screen will be displayed.
8. You have the option to split the payment (foreign currency purchase amount) and fees across
different accounts; simply click on the respective easy button to select your preference.
9. If you selected to split your payment or fees you will be required to select the preferred payment
account from a drop-down menu for each currency/product.
10. Click on Continue.
11. Click on the respective easy button to indicate if you have made a pre-booked deal for the selected
currency/ies. If you have a pre-booked deal you will be required to enter the Deal Number
12. Click on Continue.
13. Enter the amount, in ZAR, that you would like to purchase for each of the selected
currencies/products. If you are purchasing Foreign Notes you will be required to select your
preferred Denominations, i.e. Small, Large or Mixed notes.
14. Click on Continue.
15. Enter your Travel Details in the fields provided.
16. If you are purchasing Forex products for other travellers you will be required to add the Travel
Details and Currency Allowance per currency/product, per traveller.
17. Click on Continue.
18. Complete the South African Reserve Bank (SARB) reporting details for the account holder in the
fields provided.
19. Click on Continue.
20. Select your preferred delivery option and then complete the Delivery Details in the fields provided.
21. Click on Continue.

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 22. A Quote containing the cost, commission and exchange rates for the order will be displayed. This
quote is only valid for 2 minutes.
23. Check that this information is correct and, if necessary, click on Edit to make amendments or click
on Decline if you no longer wish to proceed.
24. Before you can continue you will be required to read and accept the Terms and Conditions.
25. Click on Accept.
26. A results page will display the status of your request.
27. Click on Continue.
28. Upload the required documents for each traveller. If you do not have all the required documents on
hand, click on Skip this Step to save the application.
29. A confirmation page will be displayed.
30. If you would like to make further Global payments/purchases, click on Yes, alternatively, click on
No to return to the Order Forex History page where your pending application will be displayed.

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15.5.2 Order Forex - Upload Documents

Use this function to upload outstanding documentation for a Forex order that you have initiated online.

Upload Outstanding Documents

1. Click on the Forex tab and then click on the Order Forex sub-tab.
2. The foreign currencies that can be purchased online will be displayed on the Buy Forex view.
3. Click on the Document Uploads view.
4. Pending Forex order/s that require documents to be uploaded will be displayed.
5. If required, you can click on the Order Number hyperlink to view the details of the respective order.
Click on Back to return to the Document Uploads page.
6. Click on the Upload easy button for the respective order.
7. A list of the outstanding documents for the respective order will be displayed.
8. Click on the Attach easy button for the respective document, browse for the document on your pc
and then click on Upload.
9. Repeat this process for all the required documents.
10. Should you need to delete/replace a document, simply click on the Remove easy button for the
respective document.
11. Once completed, click on Upload.
12. A confirmation page will be displayed.
13. If you would like to make further Global payments/purchases, click on Yes, alternatively, click on
No to return to the Order Forex History page where your pending application will be displayed.

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15.5.3 Maintain Cash Passports

Use this function to maintain an existing Cash Passport.

The following functionality is available:

• Load Cash Passport (Add currency to Cash Passport)

• Cash Out (Sell back currency)

15.5.3.1 Load Cash Passport

Use this function to load additional Forex Currency on an existing Cash Passport.

Important Information about Loading Forex on a Cash Passport

• The minimum purchase amount per currency for a Cash Passport must
be the equivalent of 100USD.
• If you use a Global Account to purchase currency for a Cash Passport,
the respective fees can only be paid from a ZAR account.
• For advice or general Forex queries please contact the Forex Help Line
via phone or email.

• If you have a Pre-Booked Deal, have the Deal Number on hand.

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Load Cash Passport
1. Click on the Forex tab and then click on the Order Forex sub-tab.
2. The foreign currencies that can be purchased online will be displayed on the Buy Forex view.
3. Click on the Maintain view.
4. A list of your Active Cash Passports will be displayed.
5. Click on the Load easy button for the respective Cash Passport.
6. Click in the check box for the currency/ies that you would like to load on your Cash Passport.
7. Click on Continue.
8. You have the option to split the payment (foreign currency purchase amount) and fees across
different accounts; simply click on the respective easy button to select your preference.
9. If you selected to split your payment or fees you will be required to select the preferred payment
account from a drop-down menu for each currency.
10. Click on the respective easy button to indicate if you have made a pre-booked deal for the selected
currency/ies.
11. Click on Continue.
12. Enter the amount, in ZAR, that you would like to purchase for each of the selected currency/es.
13. Click on Continue.
14. Complete the South African Reserve Bank (SARB) reporting details in the fields provided.
15. Click on Continue.
16. A Quote containing the cost, commission and exchange rates for the order will be displayed. This
quote is only valid for 2 minutes.
17. Check that this information is correct and, if necessary, click on Edit to make amendments or click
on Decline if you no longer wish to proceed.
18. Before you can continue you will be required to read and accept the Terms and Conditions.
19. Click on Accept.
20. A results page will display the status of your request.
21. If you would like to make further Global payments/purchases, click on Yes, alternatively, click on
No to return to the Order Forex History page where your pending application will be displayed.

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15.5.3.1 Cash Out Passport

Use this function to sell back the Forex Currency/ies on an existing Cash Passport.

Important Information about Cashing Out a Cash Passport

• If you elect to Cash Out a Cash Passport, all currencies will be sold, you
can not do a partial Cash Out or select which currencies to cash out.

Cash Out Passport

1. Click on the Forex tab and then click on the Order Forex sub-tab.
2. The foreign currencies that can be purchased online will be displayed on the Buy Forex view.
3. Click on the Maintain view.
4. A list of your Active Cash Passports will be displayed.
5. Click on the Cash Out easy button for the respective Cash Passport.
6. The Sell Back Cash Passport Currencies page will be displayed.
7. Select the account from the drop-down menu that you would like the proceeds to be transferred to.
8. Click on Submit.
9. A Quote containing the cost, commission and exchange rates for the order will be displayed. This
quote is only valid for 2 minutes.
10. Check that this information is correct and, if necessary, click on Edit to make amendments or click
on Decline if you no longer wish to proceed.
11. Before you can continue you will be required to read and accept the Terms and Conditions.
12. Click on Accept.
13. A results page will display the status of your request.
14. Click on Finish.

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15.5.4 View Forex Order History

Use this function to view a history of foreign currency that you have ordered online.

Load Cash Passport

1. Click on the Forex tab and then click on the Order Forex sub-tab.
2. The foreign currencies that can be purchased online will be displayed on the Buy Forex view.
3. Click on the History view.
4. A list of all Forex Orders that you have initiated online will be displayed together with their respective
Status.
5. Click on the Order Number hyperlink to view the details of the respective order.
6. Click on Finish to return to the Order History page.

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PayPal Services

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15.6 PayPal Overview
PayPal is a secure global online payment system that enables registered users to receive and
make payments for goods and services without revealing their bank details or other personal
information.

The following PayPal functionality is available via your Online Banking profile:
• Link your PayPal account to your Online Banking profile
• Top-Up funds from your bank account to your PayPal account
• Withdraw funds from your PayPal account to your bank account
• View your PayPal Top-Up and Withdraw History
• Maintain your PayPal profile

Important Notes:
• All Top-up and Withdraw transactions are done via your Online Banking profile.
• It is imperative that all information is captured correctly as it is required for Balance of
Payment (BOP) reporting to the South African Reserve Bank (SARB).
Depending on the nature of the transaction, you may be required to Upload Supporting
Documents.

Getting Started
1. Create and Verify your PayPal account on the PayPal website: ‘www.PayPal.com/za
2. Login to your FNB Online Banking profile and link your verified PayPal account to your
profile.

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15.6.1 Link your PayPal Account
Use this function to link your verified PayPal account to your bank account.

Important Notes:
• During the linking process you will be redirected to the PayPal site; you will need to log in
to your PayPal profile to verify the linking request.
• During the linking process you will be able to add a third-party bank account for withdrawal
purposes.
• Please ensure that pop up blockers are disabled in your browser settings before beginning
the linking process.

1. Click on the Forex tab and then click on the PayPal services sub-tab.
2. Click on the More Menu Option on the left and select Link PayPal Profile.
3. Enter the required information and click on Continue.
4. Before you can continue, you will be required to read and accept the Terms and
Conditions and the Disclaimer.
5. Click on Continue.
6. A confirmation page will be displayed.
7. Check that this information is correct and, if necessary, click on Edit to make amendments.
8. Click on Confirm.
9. A results page will display the status of your request.
10. If your request was successful, you will be redirected to the PayPal site; you will need to log in to
your PayPal profile to verify the linking request.
11. Once you have completed the process, your PayPal account will be displayed on the My
Bank Accounts tab on your Online Banking profile.

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15.6.2 Top Up your PayPal Account
Use this function to Top Up your PayPal account from your bank account.

Important Information:

• Top-Up transactions are only available to SA residents.

• Top Up transactions takes less than 10 Minutes to reflect in the nominated PayPal
account.
• It is imperative that all information is captured correctly as it is required for Balance of
Payment (BOP) reporting to the South African Reserve Bank (SARB).
Depending on the nature of the transaction, you may be required to Upload Supporting
Documents.

1. Click on the Forex tab and then click on the PayPal services sub-tab.
2. Click on the More Menu Option on the left and select Top Up to PayPal.
3. Complete the Top Up Details by selecting the From FNB Account, enter the Top Up
Amount and select the Reason for the Transaction and complete the relevant Top Up
Transaction Details. To view a description of the available transaction reasons, click on
the More Info hyperlink.
4. Click on Get Quote.
5. The Top Up Quote Details will be displayed; this quote is only valid for 2 minutes.
6. Click on Continue to proceed with the transaction or click on Cancel to cancel the
Transaction.
7. Once you click on Continue, a results page will display the status of your request.
8. Before you can continue you will be required to read and accept the Terms and
Conditions.
9. Click on Confirm.
10. Click on Finish to complete the process.

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15.6.3 Withdraw Funds from your PayPal Account
Use this function to withdraw available funds from your PayPal account into your bank account.

Important Notes:
• During the Withdraw Funds process, you will be redirected to the PayPal site; you will
need to log in to your PayPal profile to verify the withdrawal request.
• Withdraw transactions may take between 5 to 8 business days to reflect in the nominated
qualifying account
• It is imperative that all information is captured correctly as it is required for Balance of
Payment (BOP) reporting to the South African Reserve Bank (SARB).
Depending on the nature of the transaction, you may be required to Upload Supporting
Documents.
• Please ensure that pop up blockers are disabled in your browser settings before beginning
the Withdraw Funds process.

1. Click on the Forex tab and then click on the PayPal services sub-tab.
2. Click on More Menu Option on the left and select Withdraw from PayPal.
3. Complete the Withdrawal Details by selecting the Account to which you would like to
transfer funds, the Reason for the Transaction and entering the Withdrawal Amount. To
view a description of the available transaction reasons, click on the More Info hyperlink.
4. Click on Get Quote.
5. The Withdrawal Quote Details will be displayed; this quote is only valid for 4 minutes.
6. Click on Continue to proceed with the transaction or click on Cancel to cancel the
Transaction.
7. Once you click on Continue, a results page will display the status of your request.
8. Before you can continue you will be required to read and accept the Terms and
Conditions.
9. Click on Continue.
10. Click on Finish.
11. You will be redirected to the PayPal site where you will be required to log in to complete
the withdrawal process. If the PayPal page is not automatically opened, click on PayPal
Login.
12. Once your withdrawal instruction has been verified on PayPal, you will be redirected to
your Online Banking profile.
13. A results page will display the status of your request.
14. Click on Finish to complete the process.

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15.6.4 View your PayPal Transaction History
Use this function to view the PayPal Top Up and Withdraw transactions that you have processed
via your Online Banking profile.

1. Click on the Forex tab and then click on the PayPal Services sub-tab.
2. Select the PayPal History view.
3. Your PayPal Top Up and Withdraw transactions that you have processed via your Online
Banking profile will be displayed.
4. Click on the Transaction hyperlink to obtain more information for the relevant PayPal
transaction.

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 16. Wills

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16.1 Wills Overview

The Wills Tab enables you to create a Will online.

Your Will is probably the most important document that you will sign during your lifetime; your will is a legal
document that sets forth your wishes regarding the distribution of your property and the care of any minor
children should you pass away.

The following functionality is available online:

• Wills Assistance
o FNB Will Drafting Process
o FAQs
o Help Me
• Draft your Will
o Simple Will
o Complex Will
• Resume drafting of a Saved Will
• View your Will
• Maintain your Will
• Download your Will
• Delete your Pending Will

Important Information about the Wills Tab

• The Wills Tab and all its functionality is restricted to the Primary User
(Profile Owner) of a Consumer profile.
• In a simple will, your entire estate will be split equally amongst your
nominated beneficiaries; you can not allocate specific items or
percentages to your beneficiaries as you would do in a complex will.
Should a simple will not meet your requirements, please contact FNB
Fiduciary Services for assistance with other options.

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16.1.1 FNB Fiduciary Services Contact Details

FNB Fiduciary Services

Call: 087 736 3555
Email: [email protected]

16.1.2 Simple Will vs a Complex Will

Simple Will Complex Will

The following information is documented in a The following information is documented in a
simple will: simple will:

• Nominated beneficiaries for your entire • Nominated beneficiaries for specified cash
estate and or assets.
• Nominated guardians for your dependants • Nominated beneficiaries for the remainder
• Nominated Executor and Trustee of your of your estate
estate • Nominate substitute beneficiaries, just in
case the nominated beneficiary is unable to
inherit
• Confirm details of any minor children as
well as the option to create a trust for
beneficiaries under the age of 18
• Nominated guardians for your dependants
• Nominated Executor and Trustee of your
estate

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 17. Merchant Services

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17.1 Merchant Services Overview

The Merchant Services tab provides you (the Merchant) with an overview of the devices that are linked to
your Online Banking Profile.

Merchants can view and manage their transactions from the Merchant Services Tab.

Important Information about the Merchant Services Tab

• The Merchant Services Tab and all its functionality is restricted to the
Primary User (Profile Owner) of a Business Profile.

The following functionality is available:

• View Transaction History

• View Transaction Details for each transaction;
• View Receipts
• Search for specific Transactions
• View and Print Statements

17.2 Merchant Services - View Transaction History

Use this function to view the Transaction History for a specific Device (Terminal ID).

View Transaction History:

7. Click on the Merchant Services Tab.
8. The Merchant ID/s linked to your profile will be displayed.
9. Click on the Merchant ID hyperlink of the respective group that you would like to view.
10. The list of Terminals linked to the respective Merchant ID will be displayed.
11. Click on the Terminal ID hyperlink to view the transactions linked to that device.
12. The Transaction History for the selected device will be displayed.
13. You can Export/Download the Transaction History for a specified period by clicking on Export and
then completing the From and To Date fields.
14. Click on Send to have the export emailed to you.
15. Click on Finish to complete the process.

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17.3 Merchant Services - View Transaction Details

Use this function to view the details of a specific transaction.

View Transaction Details:

1. Click on the Merchant Services Tab.
2. The Merchant ID/s linked to your profile will be displayed.
3. Click on the Merchant ID hyperlink of the respective group that you would like to view.
4. The list of Terminals linked to the respective Merchant ID will be displayed.
5. Click on the Terminal ID hyperlink to view the transactions linked to that device.
6. The Transaction History for the selected device will be displayed.
7. Click on the Date & Time hyperlink of the respective transaction to view the details.
8. Click on Back to return to the Transaction History for the selected device or click on View Receipt
to view the Transaction Receipt.

17.4 Merchant Services - View Receipts

Use this function to view the receipt for a specific transaction. The receipt can be forwarded via Email or
SMS.

View Transaction Receipt:

1. Click on the Merchant Services Tab.
2. The Merchant ID/s linked to your profile will be displayed.
3. Click on the Merchant ID hyperlink of the respective group that you would like to view.
4. The list of Terminals linked to the respective Merchant ID will be displayed.
5. Click on the Terminal ID hyperlink to view the transactions linked to that device.
6. The Transaction History for the selected device will be displayed.
7. Click on the View Receipt easy button to view the Transaction Receipt for the respective
transaction.
8. Enter Email or SMS details and click on Send to forward the Receipt, alternatively, click on Cancel
to return to the Transaction History.
9. A confirmation page will display the Receipt Sending Details.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. Click on Confirm to proceed with your request.
12. A results page will display the status of your order.
13. Click on Finish to complete the process.

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17.5 Merchant Services - Search Transactions

Use this function to search for a specific transaction. The search will be performed across all Terminal IDs
linked to a Merchant ID.

There are two search options:

• Quick Search
• Advanced Search

A search can be performed on the following search criteria:

• Card number
• Sequence number
• Batch number

Search Transactions - Quick Search:

1. Click on the Merchant Services Tab.
2. The Merchant ID/s linked to your profile will be displayed.
3. Click on the Merchant ID hyperlink of the respective group that you would like to search.
4. The list of Terminals linked to the respective Merchant ID will be displayed.
5. Click on the Terminal ID hyperlink to view the transactions linked to that device.
6. The Transaction History for the selected device will be displayed.
7. Click on the Search hyperlink in the table actions.
8. Enter the required keyword/s and click on Search.
9. The results of your search will be displayed.

Search Transactions - Advanced Search:

1. Click on the Merchant Services Tab.
2. The Merchant ID/s linked to your profile will be displayed.
3. Click on the Merchant ID hyperlink of the respective group that you would like to search.
4. The list of Terminals linked to the respective Merchant ID will be displayed.
5. Click on the Terminal ID hyperlink to view the transactions linked to that device.
6. The Transaction History for the selected device will be displayed.
7. Click on the Search hyperlink in the table actions and then click on the Advanced Search
hyperlink below the capture field.
8. Complete the required search fields and then click on search.
9. The results of your search will be displayed.

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 18. Business Solutions Tab

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Business Solutions Overview

The Business Solutions functionality will assist you to run your business/es more effectively and efficiently by
providing you with a single view of your personalised Business Analytics and Business Information (both
financial and non-financial) across a range of products and solutions.

The Business Solutions functionality is grouped as follows:

• Compliance Update
o Any updates which are required for regulatory purposes will be listed here e.g. BEE
Declaration

• Bank Feeds
o Bank Feeds allow you to connect with various partners that offer a wide range of accounting
and payroll packages that will help to streamline your business.

• For My Business
o Instant Solutions
▪ Instant Accounting
▪ Instant Invoicing
▪ Instant Cashflow
▪ Instant Payroll
• Verify Account Owner

• Employee Benefits

Important Information about the Business Solutions Tab

The Business Solutions Tab is available to both the Primary and Secondary
User, if the Primary User (Profile Owner) has allocated Viewing Permissions to
the Secondary User.
Business Solutions functionality is dependent on the account/product type.

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Compliance Update

Any outstanding updates or information that is required for regulatory purposes will be listed here for your
action.

BEE Compliance Declaration

Use this function to complete a BEE Declaration for your business.

The following supporting documentation will need to be uploaded:

• BEE affidavit
o If your business turnover is less that R50 million, you will be required to upload a BEE
Affidavit which has been signed and stamped by a Commissioner of Oaths.
o This form can be downloaded from Online Banking.
• BEE certificate
o If your business turnover is R50 million or above, you will be required to upload a BEE
Certificate.

The following information needs to be completed:

• Black Ownership %
• Black female ownership %
• Black designated group %
• Black youth %
• Black disabled %
• Black unemployed %
• Black people living in rural areas %
• Black military veterans %
• Financial Year-end
• Annual Turnover
• Business BEE classification

Business Rules

• The BEE Compliance declaration may only be completed by the Primary User (Profile Owner) or by
a mandated Authorised Representative.

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How to complete the BEE Declaration

1. Select Business Solutions.

2. Select Compliance Update.
3. The Compliance Update page will be displayed.
4. A schedule of the Updates Required will be displayed.
5. Click on Continue for the respective BEE item.
6. The BEE Information page will display the details of your Authorised Representative and your
Business.
7. Click Continue.
8. The BEE capture Form will be displayed.
9. Complete the fields as required.
10. Click Continue.
11. A confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. Click Confirm to proceed.
14. The Documents Required page will be displayed.
15. Click Attach.
16. Browse for the document on your PC.
17. Click Upload.
18. The results page will be displayed, please take note of your Reference Number.
19. Click on Finish to complete the process.

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Bank Feeds
Bank Feeds allow you to connect with various partners that offer a wide range of accounting and payroll
packages that will help to streamline your business.

You can safely and securely set up a bank feed to automatically integrate your account transaction history
directly into your accounting package at no extra cost.

A Bank Feed is a secure online connection between your accounting package and your bank to ensure
seamless transfer of financial transaction history to your accounting package. It automatically imports
transaction history details from your bank, thus eliminating the need for manual capturing of transactions or
importing transactions from a downloaded file.

Once a Bank Feed has been set up, your transaction history details will be regularly imported into your
account package, enabling you to create or match transactions.

Bank feeds only need to be set up once and will continue until you Remove the Business Partner link.

Participating Bank Feeds Partners:

• Sage

Functionality:
The following functionality is available:
• Set up bank feeds and connect accounts
• Maintain the accounts listed for Sage Integration
• Remove Sage access to bank feeds and disconnect accounts

Business Rules:
• This functionality is restricted to the Primary User (Profile Owner) of a Business profile.
• You need to have an accounting and payroll package subscription with a participating Bank Feeds
Partner.
• Bank Feeds uses your consent for the accounting and payroll package to collect your bank
transactions. You will be required to activate your accounts on Online Banking and the respective
accounting and payroll package prior to utilisation.
• You can delink your accounts or remove access at any time.

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Set Up (Sage) Bank Feeds and Connect Accounts

Use this function to Connect the bank accounts linked to your Online Banking profile, to a Bank Feeds
Partner.

Business Rules:
• Once you have completed the set up on Online Banking, an Authorisation Code will be generated.
• This Authorisation Code must be submitted via your (Sage) Accounting and Payroll package in order to
complete the link.
• The Authorisation Code is valid for 30 minutes, after which a new code will need to be generated.

How to link your accounts to a Bank Feeds Partner

1. Click on Business Solutions.

2. Click on Bank Feeds.
3. Select Open Banking Partners.
4. Click on the Connect easy button for Sage Accounting.
5. The Consent page will be displayed.
6. Before you can continue, you will be required to Accept the Disclaimer.
7. Click Continue.
8. The Account Access page will display a list of accounts linked to your Online Banking profile.
9. Click in the respective check box of the accounts that you would like Sage integration to be enabled
for.
10. Click Continue.
11. A Confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click on Edit to make amendments or click
on Confirm to continue.
13. If your request was submitted successfully, an Authorisation Code will be displayed. This
Authorisation Code will also be sent to your device via a push Notification.
14. Click on Finish.
15. You will need to log in to your Sage Accounting package and submit the Authorisation Code to
complete the linking of your accounts.
Please note that this code is valid for 30 minutes, after which you will need to generate a new
code.
16. To confirm the status of your request, click on Business Solutions and then click on Bank Feeds.
17. A list of Bank Feeds Partners will be displayed together with their Linking Status.

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19.3.2 Generate a New Authorisation Code

If you were unable to submit the Authorisation Code on your (Sage) Accounting and Payroll package within
30 minutes of it being generated, you can use this function to generate a new Authorisation Code.

How to generate a new Authorisation Code

1. Click on Business Solutions.

2. Click on Bank Feeds.
3. A list of Bank Feeds Partners will be displayed together with their Linking Status.
4. Click on the New Code easy button for Sage Accounting to generate a new Authorisation Code.

19.3.3 Maintain (Sage) Bank Feeds Integration

Use this function to maintain the accounts for which (Sage) Bank Feeds are enabled.

How to maintain the accounts linked to Bank Feeds Partners

1. Click on Business Solutions.

2. Click on Bank Feeds.
3. A list of Bank Feeds Partners will be displayed together with their Linking Status.
4. Click on the Maintain easy button for the respective Bank Feeds Partner.
5. The Maintain Account Access page will be displayed.
6. Click in the respective check boxes to either select or deselect an account.
7. Click on Update.
8. A Confirmation page will be displayed.
9. Check that this information is correct and, if necessary, click on Edit to make amendments or click
on Confirm to continue.
10. A results page will display the status of your request.
11. Click on Finish to complete the process.

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19.3.4 Remove (Sage) Bank Feeds Integration and Disconnect Accounts

Use this function to remove the integration permissions with a Bank Feeds Partner.

The Primary User (Profile Owner) can re-enable the bank feeds integration at any time by accepting the
Terms and Conditions and connecting the bank accounts again.

How to remove a Bank Feeds Partner

1. Click on Business Solutions.

2. Click on Bank Feeds.
3. A list of Bank Feeds Partners will be displayed together with their Linking Status.
4. Click on the Remove easy button for the respective Bank Feeds Partner.
5. The Remove Account Access page will be displayed.
6. Before you can continue, you will be required to Accept the Disclaimer.
7. Click Remove.
8. A Confirmation page will be displayed.
9. Check that this information is correct and, if necessary, click on Edit to make amendments or click
on Confirm to continue.
10. A results page will display the status of your request.
11. Click on Finish to complete the process.
12. The Status of the Bank Feeds Partner will now reflect as Not Connected on the Bank Feeds page.

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For My Business

For My Business provides our Business Clients with access to Value Added Services tailored specifically for
businesses.

The following services are available:

• Instant Solutions
o Instant Accounting
o Instant Invoicing
o Instant Cashflow
o Instant Payroll
o Instant BEE

• Insight360™
o Cash solutions
o Entrepreneurial Help
o Queries

Business Rules:
The For My Business icon will only be displayed if you have the applicable Business account/product type.

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Instant Solutions

The following instant Solutions products are currently available via Online Banking:

• Instant Accounting
• Instant Payroll
• Instant Invoicing
• Instant Cashflow

When accessing the Instant Solutions products via Online Banking your banking session will be ended and
you will be redirected to the Instant Solutions website.

Business Rules:
• Only the Primary User (Profile Owner) can register for Instant Solutions.
• Secondary users can access Instant Solutions if they have been allocated viewing permissions
by the Primary User (Profile Owner).

Instant Accounting Overview

Use this function to register for Instant Accounting or to access your Instant Accounting profile.

Instant Accounting is a free online accounting solution which uses your FNB electronic bank statement to
generate financial statements and reports, including income statements, balance sheets, cash flow
statements and more.

This reduces manual data capturing and processing which enables you to produce updated financials
effortlessly and with increased accuracy.

Instant Accounting generates various financial statements and reports, including:

• Income statements
• Balance sheets
• Cash-flow statements
• VAT reports
• Debtors and Creditors Management
• Budgeting

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Instant Invoicing Overview

Use this function to register for Instant Invoicing or to access your Instant Invoicing profile.

Instant Invoicing is a free online tool that lets you generate invoices for your business quickly and easily.

A business using the Instant Invoicing tool can be assured that their invoice format is correct and that it
adheres to the most recent requirements for submission, as stipulated by SARS.

It also offers the purchaser the peace of mind that the invoice received allows VAT claims against it, if the
purchaser is a registered VAT claimant.

Instant Cashflow Overview

Use this function to register for Instant Cashflow or to access your Instant Cashflow profile.

Instant Cashflow is a free online, interactive tool aimed at helping you to better manage your business's
cashflow needs and make informed business decisions. It is a platform that enables you to re-assign
transactions and change certain variables in order to graphically view how certain conditions can impact
your business's future cash flow.

The tool uses information from your bank statements to provide you with historical cash flow reports as well
as predictive reports which are calculated by looking at patterns in your business over the past 12 months.

These forward-looking reports can help business owners to anticipate when to expect drops in their cash
flow in the coming months, enabling them to take pro-active and informed decisions to better manage their
business’ cash flow.

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Instant Payroll Overview

Use this function to register for Instant Payroll or to access your Instant Payroll profile.

Free online payroll solution that allows you to process weekly and monthly payrolls and generate employee
payslips easily in a format that is SARS compliant. This platform also allows you to generate Tax Certificates
such as IRP5, EMP201, and EMP205.

Online Banking Functionality:

After generating payslips for your employees on Instant Payroll, bulk payment files, (ACB Files), for
salaries and third-party payments will automatically be sent directly to Online Banking where you can submit
them for payment, without having to add any of the employees/third-parties to your Recipient List.

All payments will be processed via your Online Banking profile.

If you need to make a Once-Off payment to your employees, such as bonuses, you can also utilise the
Import Payments functionality on Online Banking. You simply need to complete the ACB file layout offline,
(ACB template available for download), and then import the file directly into Online Banking to make a bulk
payment.

Register for Instant Solutions

How to register for Instant Solutions:

1. Select Business Solutions.

2. Select For My Business and then select Instant Solutions.
3. Select the respective Instant Solution option.
4. Select Proceed.
5. Before you can continue you will be required to read and accept the Terms and Conditions.
6. Click on Next.
7. Your banking session will end, and you will be redirected to the Instant Solutions site.

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Verify Account Owner

Verify Account Owner is a fee-based service which enables you to confirm that the bank details provided
belong to the intended recipient.

If you only need to check that the Account Number of a recipient is valid, please use the Validate
Recipient functionality which is free of charge.

You will require the following information to Verify an Account Owner:

Individual Client: Account Number Branch Code ID Number
Business Client: Account Number Branch Code Business Registration Number

You can also verify the following optional details:

Individual Client: Surname Initials Cellphone Number Email Address
Business Client: Business Name Cellphone Number Email Address

There are two options available when verifying an account owner:

1. Single Account Verification

o Verify a single account
o Account Verification is processed in real-time
o Refer to the Participating Banks table below for the list of banks that participate in real-time
account verification

2. Multiple (Batch) Account Verification

o Verify a maximum of 5 accounts per batch
o Multiple Account Verification is applicable to most banks.
o A batch containing FirstRand (FNB and FNB) accounts only will be processed in real-
time.
o A batch containing accounts from other banks will be processed within 2 hours.
o The cut-off time for other bank verifications is at 16h00, after which account verification
will be processed the following business day

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Verify Account Owner Participating Banks

The Verify Account Owner service is available for the following participating banks:

Bank Single Batch

(Real-Time) (2 Hours)
FirstRand Bank (FNB and RMB) Y Y
ABSA Bank Y Y
Access Bank - Y
African Bank Y Y
Bidvest Bank - Y
Capitec Bank Y Y
Capitec Business - Y
Discovery Bank Y Y
Finbond Y -
Grindrod Bank Y Y
Investec Bank Y Y
Nedbank Y Y
SASFIN Bank Y -
Standard Bank Y Y
Tyme Bank Ltd Y Y

Business Rules:
• This functionality is available to both Primary and Secondary Users.
• Details can be verified for Participating Banks only.
• There is no cut-off time for FNB/RMB Only verifications.
• Multiple Verifications for Participating Banks are processed between 08h00 and 16h00 on
business days only; requests after the cut-off time will be processed on the next business day.

• Please note that there is a fee to Verify an Account Owner.

• Your Default Billing Account will be debited for every account record queried, regardless of
whether the response is True or False.
• If a record is returned as Unverified due to late response from a Participating Bank, you will not be
charged.

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For your convenience, the Verify Account Owner functionality for FNB/FNB accounts only is also available
at the following touch points:

• Pay Tab > Menu > Verify Account Owner

• Pay Tab > Payments Sub-Tab > Add Recipient > Verify Account Owner
• Pay Tab > Payments Sub-Tab > Modify Recipient Details > Verify Account Owner
• Pay Tab > Once-Off Sub-Tab > Verify Account Owner
• Pay Tab > Scheduled Payments Sub-Tab > Verify Account Owner

Verify Account Owner Responses

On submission, the system will verify the information provided.

Single Account Verification Responses:

1. True
• The details have been successfully verified; the account number and account owner details
correspond.
• You can click on Save as Recipient to be redirected to the Add Recipient process to save
the verified details to your Recipient List.

2. False
• The details have been verified but they do not correspond, i.e. the Account Number, ID
Number / Company Registration Number are valid, but do not belong to the same record.

3. Unverified
• The details submitted could not be verified.
• Invalid data, i.e. name does not match the detail or name held by the recipient bank, invalid
ID Number / Company Registration Number or Account Number; you will be billed for these.

In addition to the verification of the provided information. Additional information about the account being
verified will be returned:

• Has the account been open for longer than 3 months?

• Does the account allow for Debits?
• Does the account allow for Credits?

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Multiple Account Verification Responses

If you submitted multiple requests to verify the account owner for accounts held at any of the other
Participating banks, the system will verify the information and provide you with a message informing you
whether the verification is correct or incorrect with either:

• Y – True
o The details have been successfully verified; the account number and account owner details
correspond.
• N – False
o The details have been verified but they do not correspond, i.e. the Account Number, ID
Number / Company Registration Number are valid, but do not belong to the same record.
• Unverified
o The field was not verified.
• R – Rejected transactions
o The Recipient details provided is incorrect. Invalid data, i.e. invalid ID Number / Company
Registration Number or Account Number.
Please ensure you only submit valid account details. These responses are billable.
• L – Late transactions
o The bank concerned did not respond to your request in time, these recipients may be
resubmitted on the same day in a new file.
You will not be billed for these.

In addition to the verification of the provided information. Additional information about the account being
verified will be returned:

• Has the account been open for longer than 3 months?

• Does the account allow for Debits?
• Does the account allow for Credits?

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Verify a Single Account Owner

Verify a Single Account Owner

1. Click on the Business Solutions tab.

2. Click on the Verify Account Owner option.
3. The Verify Account Owner History page will be displayed.
4. Click on the Verify sub-tab; the Verify Account Owner Online capture page will be displayed.
5. Click on the Single view.
6. Enter the recipient’s details in the fields provided.
7. If you have entered an account number for a Participating Bank other than FNB, RMB, Nedbank or
Standard Bank you will be required to enter the Email Address to which the results must be sent
once they have been processed.
8. Click on Verify.
9. The verification results will be displayed in real time.
10. Click on Finish to complete the process.

Verify Multiple Account Owners

Verify Multiple Account Owners

1. Click on the Business Solutions tab.

2. Click on the Verify Account Owner option.
3. The Verify Account Owner History page will be displayed.
4. Click on the Verify sub-tab; the Verify Account Owner Online capture page will be displayed.
5. Click on the Multiple view.
6. Enter the recipient’s details in the fields provided.
7. Click on the (+) to Add Another Recipient’s details.
8. If you have entered an account number for a Participating Bank other than FNB, RMB, ABSA,
Nedbank or Standard Bank you will be required to enter the Email Address to which the results
must be sent once they have been processed.
9. Click on Verify.
10. The verification results for a batch containing FNB/FNB accounts only will be processed in real
time.
If the batch includes accounts for other Participating Banks, the results will be processed within
two hours and will be sent to the specified email address.
11. Click on Finish to complete the process.

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View Verify Account Owner History

View Verify Account Owner History

1. Click on the Business Solutions tab.

2. Click on the Verify Account Owner option.
3. The Verify Account Owner History page will be displayed.
4. A list of all your previous verification responses will be displayed.
5. You can Search, Download and Print this history.

Delete Verify Account Owner History

View Verify Account Owner History

1. Click on the Business Solutions tab.

2. Click on the Verify Account Owner option.
3. The Verify Account Owner History page will be displayed.
4. A list of all your previous verification responses will be displayed.
5. Click in the check box to select the result that you would like to delete, alternatively click on the
Select All hyperlink above the check box to select all results and then click on Delete.
6. The result/s will be deleted from your history.

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Employee Benefits
If you are an Employer with an FNB Umbrella Fund product, you can use this function to view the details of
your business’ Employee Benefit Fund.

The following functionality is available to Employers:

• View Employee Benefit Fund Details

• View Contribution History
• View Detailed Balance
• Submit and View Queries

Important Information about Employee Benefits

• All Employee Benefit functionality is restricted to the Primary User (Profile

Owner) of a Business (Employer) profile.
• For Navigational Assistance, please contact Digital Banking Support.
• For Information or Queries, please contact your Fund Administrator or submit
a Call Me Back request via the on-screen Queries function.

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View Employee Benefit Fund Details (Employer)

As an employer, you can use this functionality to view the details of the Employee Benefit Fund/s linked to
your FNB Business profile.

The following information is available:

• Fund Name
• Income Protector (Product Type)
• Fund Registration Number
• Total Fund Value
• Monthly Contributions
• Average Employee Salary Contribution (%)
• Number of Employees Covered

How to View the Fund Details

1. Select Busines Solutions and then select Employee Benefits.

2. The Employee Benefit Funds linked to your Business Profile will be displayed.
3. Click on the Fund Name hyperlink of the respective Fund.
4. Select the Fund Details view.
5. The Fund Details for the respective fund will be displayed.
6. Click on Back to return to the Employee Benefit Funds page.

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View Fund Contribution History

As an employer, you can use this functionality to view the details of the contributions made to a specific
Employee Benefit Fund.

How to View the Contribution History

1. Select Busines Solutions and then select Employee Benefits.

2. The Employee Benefit Funds linked to your Business Profile will be displayed.
3. Click on the Fund Name hyperlink of the respective Fund.
4. Select the Contribution History view.
5. The Contribution History for the respective fund will be displayed.
6. Click on the Description hyperlink of a specific contribution to view the details of that contribution.
7. Click on Back to return to the Contribution History page.

View Detailed Balance of Fund

As an employer, you can use this functionality to view the detailed balance of a specific Employee Benefit
Fund.

How to View the Detailed Balance

1. Select Busines Solutions and then select Employee Benefits.

2. The Employee Benefit Funds linked to your Business Profile will be displayed.
3. Click on the Fund Name hyperlink of the respective Fund.
4. Click on the Balance hyperlink.

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Submit and/or View Queries History

As an employer, you can use this functionality to enquire about Employee Benefit Products or to view a
history of the queries that you have logged via Online Banking.

How to Submit a Query to the Fund Administrator

1. Select Busines Solutions and then select Employee Benefits.

2. The Employee Benefit Funds linked to your Business Profile will be displayed.
3. Select the Queries view.
4. If you have previously submitted queries via Online Banking, these will be displayed in your Queries
History.
5. Click on the Add table action to log a new query.
6. A Call Me Back capture page will be displayed.
7. Complete your contact details and select the Product Type that you are interested in.
8. Click on Submit.
9. A confirmation page will be displayed.
10. Check that this information is correct and, if necessary, click on Edit to make amendments.
11. Click on Submit.
12. A results page will display the status of your request.
13. Click on Finish to complete the process.
14. This query will now reflect in your Queries History.

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 Cash Services Tab

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Cash Services Overview

Our Cash Services functionality enables you to order cash online.

Business clients need to apply for this functionality and can contact the Cash Service Desk on 087 736 7069
or send an email to [email protected] for assistance.

Once approved, and they have a Cash in Transit (CIT) contract in place, they can submit an order request
online and have the cash delivered to their business premises.

The following functionality is available on the Cash Services tab:

• Add a Cash Order Request

• View and Search Cash Order History
• Repeat a Cash Order Request
• Maintain a Pending Cash Order Request
• Cancel a Pending Cash Order Request
• Request a Cash Clearance
• Delete a Pending Cash Order or Cash Clearance Request

Business Rules:
• All Cash Services functionality is restricted to the Primary User (Profile Owner) of a Business profile.
• The Cash Services tab will only be displayed if you have the applicable Business account and/a valid
Cash in Transit (CIT) contract in place.
• Cash Ordering Limits are set and maintained at the Cash Service Desk and cannot be maintained on
your Online Banking profile.

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Add a Cash Order Request
Use this function to create a Cash Order request.

Denominations
The following note and coin denominations can be ordered:

Notes Coins
R200 R5.00
R100 R2.00
R50 R1.00
R20 R0.50
R10 R0.20
R0.10
R0.05

Cash Ordering Cut-Off and Processing Times

Please take note of the cut-off and processing times below.

Cash Services Cut-Off Times

Day Cut-Off Processing Delivery Date
Time Date

Monday – Saturday 11h00 Same Day CIT Delivery:

Any order requests placed after As per the frequency stipulated in your CIT
11h00 will be processed as part of Contract.
the next business day’s batch.
If you miss the cut-off time, your order will only be
Sunday N/A Next delivered on your next CIT delivery date.
Business Day

Public Holidays N/A Next

Business Day

Add a Cash Order Request

Use this function to Add a Cash Order request.

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Business Rules:
• Cash Ordering Limits are set and maintained at the Cash Service Desk and can not be maintained
on your Online Banking profile.
• Any orders placed after the cut-off time will be processed as part of the next business day's batch.

Add a Cash Order Request

1. Select Cash Services.
2. Your existing Cash Orders will be displayed together with their respective Status.
3. Click on the (+) Add table action and then click on Create.
4. The Order Cash capture page will be displayed.
5. Select where you would like the cash to be delivered to. You will be required to select which of your
Business Premises (Site) you would like the cash to be delivered to.
6. Select the Account that you would like to use to purchase the cash.
7. Add in a reference for the order; this is the reference that will appear in your Transaction History
and on your Account Statement.
8. Click on Continue.
9. The Denominations capture page will be displayed.
10. Enter the Quantity or Value that you require of each Denomination.
11. Click on Continue.
12. A confirmation page will be displayed.
13. Check that these details are correct and, if required, click on Edit to make any amendments.
14. Click on Confirm.
15. A results page will display the status of your request.
16. Click on Finish to complete the process.
17. The Order will be displayed on the Cash Services tab.

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View and/or Search Cash Order History

Use this function to view or search the Cash Orders that you have submitted online.

The following information will be displayed:

• Name of Order
• The Date and Time that the order was submitted
• The Request type; i.e. Cash Order
• The Reference Number issued for the order
• The Location to which the cash must be delivered, i.e. Business Premises or Branch
• The Status of the order

Cash Order Statuses

Please refer to the list below for the various Statuses that could reflect for your order:

Status:
• Ordered
o The order has been placed, the funds have not yet been reserved
• Processing
o The order was included in the batch sweep that took place at 11h01
• Ready to Process
o The funds have been reserved
• Work in Progress
• Insufficient Funds
• Complete
o The order has been packed, the reserved funds have been uplifted and the respective
account has been debited
• Cancelled
• Failed

View and/or Search Cash Orders

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View and/or Search Cash Orders
1. Select Cash Services.
2. Your existing Cash Orders will be displayed together with their respective Status.
3. Click on the Search table action and then enter any part of the description that you are looking for.
4. A list of all possible recipients matching your search criteria will be displayed.
5. Click on the Date hyperlink to view the details of the respective order.

Maintain a Pending Cash Order

Use this function to maintain the details of a pending Cash Order.

Business Rules:
• Cash Orders can only be maintained if they are in an Ordered or Processing status.
• Changes need to be made prior to the 11h00 cut-off time.

Maintain a Pending Cash Order

1. Select Cash Services.
2. Your existing Cash Orders will be displayed together with their respective Status.
3. Click on the Maintain easy button for the respective order.
4. The Cash Order capture page will be displayed.
5. Make the required changes.
6. Click on Update.
7. A confirmation page will be displayed.
8. Check that these details are correct and, if required, click on Edit to make any amendments.
9. Click on Continue.
10. A results page will display the status of your request.
11. Click on Finish to complete the process.

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Cancel a Pending Cash Order
Use this function to cancel a pending Cash Order.

Business Rules:
• Cash Orders can only be cancelled if they are in an Ordered or Processing status.
• The order must be cancelled prior to the 11h00 cut-off time.

Cancel a Pending Cash Order

1. Select Cash Services.
2. Your existing Cash Orders will be displayed together with their respective Status.
3. Click on the Cancel easy button for the respective order.
4. The Cancel Cash Order confirmation page will be displayed.
5. Check that these details are correct and, if required, click on Cancel to abandon the request.
6. Click on Delete.
7. A results page will display the status of your request.
8. Click on Finish to complete the process.
9. The Order will be displayed on the Cash Services tab with a Cancelled status.

Repeat a Cash Order Request

Use this function to repeat a Cash Order without having to recapture your requirements.

Business Rules:
• Cash Orders can only be repeated if they are in a Completed status.
• The order must be submitted prior to the 11h00 cut-off time.

Repeat a Cash Order

1. Select Cash Services.
2. Your existing Cash Orders will be displayed together with their respective Status.
3. Click on the Repeat Order easy button for the respective order.
4. The Repeat Cash Order confirmation page will be displayed.
5. Check that these details are correct and, if required, click on Cancel to abandon the request.
6. Click on Confirm.
7. A results page will display the status of your request.
8. Click on Finish to complete the process.
9. The Order will be displayed on the Cash Services tab.

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Request a Cash Clearance

If you have a Cash in Transit (CIT) contract you can use this function to submit an order to have cash
collected (cleared) from your business premises.

Business Rules:
• A Cash Clearance Order needs to be submitted 48 hours prior to the required date of collection.
• Cash Clearance can only be actioned at the mandated business premises.

Cash Clearance Statuses

A cash clearing transaction may display one of the following statuses:

• Requested
• Processing
• Complete
• Cancelled
• Failed

Request a Cash Clearance

Request a Cash Clearance

1. Select Cash Services.
2. Your existing Cash Orders will be displayed together with their respective Status.
3. Click on the (+) Add Table Action and then click on the Add hyperlink.
4. The Add a New Request page will be displayed.
5. Click on the Clear Cash icon.
6. Select which Business Site you would like the cash to be collected from, from the drop-down list.
7. Enter a Statement Reference for yourself.
8. Enter the Amount (value) of Notes to be Collected.
9. Enter the Amount (value) of Coins to be Collected.
10. Click on Continue.
11. A confirmation page will be displayed.
12. Check that this information is correct and, if necessary, click on Edit to make amendments.
13. Click on Confirm.

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 14. A results page will display a summary of your Cash Clearance Order together with the Order
Reference Number.
15. Click on Finish to complete the process.
16. The Cash Clearance Order will reflect on the Cash Services landing page together with the Status of
the request.

Delete a Pending Cash Order or Cash Clearance

Use this function to permanently delete a pending Cash Order or Cash Clearance.

Business Rules:
• Cash Orders and Cash Clearance requests can only be deleted if they are in a Work in Progress
status.

Delete a Pending Cash Order or Cash Clearance

1. Select Cash Services.
2. Your existing Cash Orders and Cash Clearance requests will be displayed together with their
respective Status.
3. Click on the Delete easy button for the respective order/request.
4. A confirmation page will be displayed.
5. Check that these details are correct and, if required, click on Cancel to abandon the request.
6. Click on Delete.
7. A results page will display the status of your request.
8. Click on Finish to complete the process.

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 19. Employee Benefits

Online Banking User Guide RMB Private Bank 632

Employee Benefits Overview

If you are a member of an FNB Umbrella Fund product, you can use this function to view and manage your
Employee Benefit (Pension and Provident) products via your Online Banking profile.

The following functionality is available to members:

• View Employee Benefit Details

• View Fund Portfolio
• View Risk Benefits
• Access Value Adds and Tools
• Life Events and your Financial Planning
• Add and Maintain Beneficiaries
• Download Administrative Forms
• Contact Us (List of Contact Details)

Important Information about the Employee Benefits Tab

• All Employee Benefit functionality is restricted to the Primary User (Profile

Owner) of a Consumer (Employee) profile.
• For Navigational Assistance, please contact Digital Banking Support.
• For Information or Queries, please contact your Fund Administrator or
Financial Advisor.

Online Banking User Guide RMB Private Bank 633

View Employee Benefit Details
As a member, you can use this functionality to view the details of the Employee Benefit funds linked to your
personal profile.

The following information is available:

• Fund Name
• Membership Number
• Employer
• Fund Membership Date
• Retirement Age
• Annual Pensionable Salary
• Member Contribution (%)
• Fund Credit

How to View your Employee Benefit Details

1. Click on the Employee Benefits Tab.

2. Click on the Benefit Details icon.
3. Your Employee Benefit Details will be displayed.
4. Click on Back to return to the Employee Benefits tab.

Online Banking User Guide RMB Private Bank 634

View Fund Portfolio
As a member, you can use this functionality to view the details of the Fund Portfolio for the Employee Benefit
funds linked to your personal profile.

The following information is available:

• Current Investment Portfolio

o Portfolio
o Current Investment
o Monthly Contributions
• Member Investment Options
• Additional Investment Options

How to View your Fund Portfolio Details

1. Click on the Employee Benefits Tab.

2. Click on the Fund Portfolio icon.
3. Your Fund Portfolio Details will be displayed.
4. Click on Back to return to the Employee Benefits tab.

Online Banking User Guide RMB Private Bank 635

View your Risk Benefits

As a member you can use this functionality to view the details of the Risk Benefits available on your
Employee Benefit fund.

The following information is available:

• Death Benefits
o Life Cover
o Group Funeral Plan
• Living Benefits
o Disability Cover
o Critical Illness Cover
o Income Protection

How to View your Risk Benefit Details

1. Click on the Employee Benefits Tab.

2. Click on the Risk Benefits icon.
3. Your Risk Benefits Details will be displayed.
4. Click on the hyperlinked Cover Type Product to view further information about the respective risk
benefit.
5. Click on Back to return to the Risk Benefit Details page.

Online Banking User Guide RMB Private Bank 636

Access Value Adds and Tools
As a member, you can use this functionality to learn how to improve your prospects at retirement.

The Value Adds provides you with information and tools that can assist you to improve your current
retirement and financial planning behaviour.

View the Value Adds and Tools

1. Click on the Employee Benefits Tab.

2. Click on the Value Adds icon.
3. The Value Adds and Tools will be displayed.
4. Click on Back to return to the Employee Benefits tab.

Calculate Salary Replacement Ratio

Use this function to calculate your current Salary Replacement Ration based on your current Fund Value.

A Salary Replacement Ratio measures how close your retirement income (or pension) will be to your current
salary.

Variables, such as your retirement age and additional retirement savings can be amended in order to get a
projection of what your total Salary Replacement Ratio will be.

This will indicate if your Employee Benefits will be enough for retirement or if you should be investing
additional funds towards your retirement.

How to access the Salary Replacement Ratio Calculator

1. Click on the My Investments Tab.

2. Click on the amount hyperlink for your Retirement Savings.
3. Click on the Employee Benefit hyperlink.
4. The Employee Benefits dashboard will be displayed.
5. Click on the Salary Replacement Ratio icon.

Life Events and your Financial Planning

As a member, you can use this functionality to learn how certain life events may impact your holistic
retirement and financial planning.

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This information offers you important insight into making provision for unforeseen events that may impact
your retirement and financial planning journey.

• Life Events
o Resignation
o Retirement
o Critical Life Events

View the Life Events Information

1. Click on the Employee Benefits Tab.

2. Click on the Life Events icon.
3. The Life Events informational page will be displayed.
4. Click on Back to return to the Employee Benefits tab.

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Maintain the Beneficiaries on your Fund
Use this function to Add and Maintain the Beneficiaries on your Employee Benefit Fund.

Quick Tip:
Ensure that you have the following information at hand before you start this process:

• Beneficiary Name and Surname

• Beneficiary ID Type and Identity or Passport Number

Add a Beneficiary

1. Select Employee Benefits.

2. Select Fund Beneficiaries.
3. The existing beneficiaries on your fund will be displayed.
4. Click on Add to add a new beneficiary.
5. Complete the beneficiay’s details in the fields provided.
6. Select the Beneficiary Type.
7. Select Add.
8. A confirmation page will be displayed; check that these details are correct and, if required, select
Edit to make amendments or select Confirm to proceed.
9. The new beneficiary will reflect under your Fund Beneficiaries.

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Download Administrative Forms

Use this functionality to email yourself administrative forms relevant to the maintenance of your Employee
Benefit Fund.

Currently, the following forms are available:

• Investment Switch Form

o Switch your current investment portfolio to another portfolio

Download Administrative Forms

1. Click on the Employee Benefits Tab.

2. Click on the Forms icon.
3. The Forms page will be displayed.
4. Click in the check box of the respective form that you require.
5. Enter the email address that you would like to send the form to.
6. Click on Continue.
7. The status of your request will be displayed.
8. Click on Finish to return to the Employee Benefits tab.

Online Banking User Guide RMB Private Bank 640