What's new
Carbonite

Welcome to Carbonite! Register a free account today to become a member! Once signed in, you'll be able to participate on this site by adding your own topics and posts, as well as connect with other members through your own private inbox!

Choice of banks

What bank are you with (main account)

  • ABSA

  • African Bank

  • Bidvest Bank

  • Capitec Bank

  • FNB/RMB

  • Investec Bank

  • Mercantile Bank

  • Nedbank

  • Standard Bank

  • Tyme Bank

  • Bank Zero

  • Discovery Bank

  • other


Results are only viewable after voting.

Erohann

Riddle Minion
VIP Supporter
Rating - 100%
23   0   0
Joined
Jun 8, 2014
Messages
1,270
Reaction score
493
Points
2,065
Location
Randburg
Why are you with the bank you are...?
 

iamgigglz

Girthy biker
VIP Supporter
Rating - 100%
200   0   0
Joined
Aug 19, 2014
Messages
4,701
Reaction score
582
Points
2,965
Location
Parkhurst
FNB because tech.
Their bank fees are crazy when you start going into their higher tier offerings though so be careful.
 

Erohann

Riddle Minion
VIP Supporter
Rating - 100%
23   0   0
Joined
Jun 8, 2014
Messages
1,270
Reaction score
493
Points
2,065
Location
Randburg
FNB because tech.
Their bank fees are crazy when you start going into their higher tier offerings though so be careful.
Not looking to make any changes myself. Simply a curiosity driven question :) Thank you for the heads up though.
When you refer to "higher tier" - where does that lie for this to be relevant?
Also, when you say tech - aside from Geo-payments, what else do they have up their sleeve?
 

Astro_ZA

Well-Known member
VIP Supporter
Rating - 100%
35   0   0
Joined
Apr 28, 2010
Messages
313
Reaction score
101
Points
1,685
Location
Cape Town
FNB because tech.
Their bank fees are crazy when you start going into their higher tier offerings though so be careful.
Their higher tiers carry very few benefits and are often more of a joke. Unless you make frequent use of services like the odd discounted air ticket, or a slow lounges, avoid it.
 

iamgigglz

Girthy biker
VIP Supporter
Rating - 100%
200   0   0
Joined
Aug 19, 2014
Messages
4,701
Reaction score
582
Points
2,965
Location
Parkhurst
The fees scale up as you go, but I noticed a significant jump when I moved to Private Clients. I'm paying about R600 between by cheque account and credit card account.
The black card is sexy and everything but the benefits over their Gold/Platinum levels aren't worthwhile.

Geopayment is still a big winner for me.
Getting the car license disc done through the app is handy, the ATM finder thing works well, I use eWallet to pay my domestic staff or draw cash when I forget my wallet, and integrated snapscan/zapper support just means two fewer apps on my phone.
 

Nickslayer

Well Known Member
Rating - 100%
16   0   0
Joined
Jul 24, 2014
Messages
281
Reaction score
168
Points
1,465
Age
30
Location
Witbank, Mpumalanga
Im at FNB because I have to be....
 

Erohann

Riddle Minion
VIP Supporter
Rating - 100%
23   0   0
Joined
Jun 8, 2014
Messages
1,270
Reaction score
493
Points
2,065
Location
Randburg
Im at FNB because I have to be....
Just because male service users generally have FNB and Geopay is a thing...?
or
You aren't man enough to change?

#whenareyouchangingthatphoto!
 

Astro_ZA

Well-Known member
VIP Supporter
Rating - 100%
35   0   0
Joined
Apr 28, 2010
Messages
313
Reaction score
101
Points
1,685
Location
Cape Town
The fees scale up as you go, but I noticed a significant jump when I moved to Private Clients. I'm paying about R600 between by cheque account and credit card account.
The black card is sexy and everything but the benefits over their Gold/Platinum levels aren't worthwhile.

Geopayment is still a big winner for me.
Getting the car license disc done through the app is handy, the ATM finder thing works well, I use eWallet to pay my domestic staff or draw cash when I forget my wallet, and integrated snapscan/zapper support just means two fewer apps on my phone.
The black cards hold no real value. The "private client" thing is a bit of a con. Despite what they're made out to be, they're certainly nowhere near the league of actual private/personal banking where a a banker is assigned for you to contact.
 

Nickslayer

Well Known Member
Rating - 100%
16   0   0
Joined
Jul 24, 2014
Messages
281
Reaction score
168
Points
1,465
Age
30
Location
Witbank, Mpumalanga
Just because male service users generally have FNB and Geopay is a thing...?
or
You aren't man enough to change?
Ha ha ha. I manage Home Owners associations and Sectional Titles...they all with FNB by chance so it just makes my job endlessly easier that I can link all of them to my companies account and work through one login.

I was Private client untill 2 months ago...There was a thread somewhere where i detailed the downgrade process which took 2 months.

#whenareyouchangingthatphoto!
In simple words. NEVER.
 

HK-Kid

Fan Slayer
VIP Supporter
Rating - 100%
70   0   1
Joined
Jul 6, 2017
Messages
960
Reaction score
371
Points
1,355
Stay away from ABSA.... I'm with them but am locked in because of loans..............
 

Nickslayer

Well Known Member
Rating - 100%
16   0   0
Joined
Jul 24, 2014
Messages
281
Reaction score
168
Points
1,465
Age
30
Location
Witbank, Mpumalanga
The black cards hold no real value. The "private client" thing is a bit of a con. Despite what they're made out to be, they're certainly nowhere near the league of actual private/personal banking where a a banker is assigned for you to contact.
FNB Provate clients do assign a specefic private banker and assistant to you. they are however given so many clients they never get to your accounts in timely manners. I went through 5 private bankers and then just said cheers.
 

Erohann

Riddle Minion
VIP Supporter
Rating - 100%
23   0   0
Joined
Jun 8, 2014
Messages
1,270
Reaction score
493
Points
2,065
Location
Randburg
Stay away from ABSA.... I'm with them but am locked in because of loans..............
tbh @HK-Kid , I am with ABSA and I've had really good service and nothing to complain about... They couldn't beat FNB when I applied for my car loan, so I went with FNB for the loan, but ABSA has the rest of me.
 

Erohann

Riddle Minion
VIP Supporter
Rating - 100%
23   0   0
Joined
Jun 8, 2014
Messages
1,270
Reaction score
493
Points
2,065
Location
Randburg
FNB Provate clients do assign a specefic private banker
If its any better than the team of specialists at your disposal on Premier, then it is a step in the right direction. My experience with them has been nothing but AWFUL
 

Nickslayer

Well Known Member
Rating - 100%
16   0   0
Joined
Jul 24, 2014
Messages
281
Reaction score
168
Points
1,465
Age
30
Location
Witbank, Mpumalanga
If its any better than the team of specialists at your disposal on Premier, then it is a step in the right direction. My experience with them has been nothing but AWFUL
I thought premier was a step up from Private? Dont get me wrong something like changing my address through private clients took months.
 

Erohann

Riddle Minion
VIP Supporter
Rating - 100%
23   0   0
Joined
Jun 8, 2014
Messages
1,270
Reaction score
493
Points
2,065
Location
Randburg
Gold > Premier > Private? Might be missing some between premier and private even

Confirmed
Gold > Premier > Private client > Private wealth; from small to bigger
 

Nickslayer

Well Known Member
Rating - 100%
16   0   0
Joined
Jul 24, 2014
Messages
281
Reaction score
168
Points
1,465
Age
30
Location
Witbank, Mpumalanga
Confirmed
Gold > Premier > Private client > Private wealth; from small to bigger
Thanks that helps. Well im back on gold and if there was a copper I would of been on that.
 

Astro_ZA

Well-Known member
VIP Supporter
Rating - 100%
35   0   0
Joined
Apr 28, 2010
Messages
313
Reaction score
101
Points
1,685
Location
Cape Town
FNB Provate clients do assign a specefic private banker and assistant to you. they are however given so many clients they never get to your accounts in timely manners. I went through 5 private bankers and then just said cheers.
Exactly, as good as just phoning their customer care line or walking into a branch. From my experience their 'bankers' are hopeless and likely spread incredibly thinly. It's a phony private banking scheme that is essentially just a marked up standard account for the illusory benefit of being a 'private client' and having a black card.

The number of hassles I had with FNB, even for simple things like making sure my cards were not going to be stopped when using them overseas resulted in being passed from person-to-person and one problem after the next. It's nothing more than a farce. If you want actual private banking, go with an international bank like Citi Bank, HSBC, Wells Fargo, Paribas etc.

I thought premier was a step up from Private? Dont get me wrong something like changing my adress through private clients took months.
Private is a step up from Premier.
 

SCHUMI4EVER

Peripheral Phanatic
VIP Supporter
Rating - 100%
18   0   0
Joined
Oct 27, 2016
Messages
6,411
Reaction score
1,873
Points
2,765
Location
Durban, KZN
FNB because that's were my parents moved me after Perm closed their doors and I've just never been given any cause to consider banking anywhere else. Also if I do need to go to the branch (which is an ever-decreasing need) it's closer than all the others to my house.
 

Nemo415

Allegedly a well-known member
VIP Supporter
Rating - 100%
116   0   0
Joined
Oct 21, 2014
Messages
1,676
Reaction score
515
Points
2,565
Location
Pretoria
FNB for eB and tech
 

WernerC

VIP
VIP Supporter
Rating - 100%
27   0   0
Joined
Nov 19, 2013
Messages
343
Reaction score
80
Points
1,385
Location
Roodepoort
With Standard bank. Been with them since 2004. Never felt cheated or unhappy. I noticed a lot of you guys saying it is not worth upgrading to a higher tier at FNB. Think to an extent it is the same at Standard bank however, I moved to Private banking while applying for a home loan. Ended up with a much better interest rate (more than 1%) than what I got on Premium banking. So I am actually saving money.

Ucount is not to bad. Yes not as good as Ebucks I would assume but at least I can literally convert the points into money via their online mall. So I am making double the amount of points in Rands than what my total banking fees are currently.
 

Latest posts

Top Donors

$301.00
$200.00
$155.00
$113.00
Top