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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


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iamgigglz

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FNB because tech.
Their bank fees are crazy when you start going into their higher tier offerings though so be careful.
 

Erohann

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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

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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

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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.
 

Astro_ZA

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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

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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

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Stay away from ABSA.... I'm with them but am locked in because of loans..............
 

Nickslayer

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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

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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

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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

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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

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Gold > Premier > Private? Might be missing some between premier and private even

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

Astro_ZA

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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

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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.
 

WernerC

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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.
 

Crowley

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RMB.

My bank fees are actually less than they were with FNB Private Client. Free instant payments and some extra ebucks rewards and slow lounge visits makes it worthwhile.
 

Cyst

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Because I like to have private banking that actually is private banking.
Oh yeah, and all my ATM withdrawals are free and I don't have to look for a specific ATM brand to get it to be free.
I never ever ever have to go into a branch and stand in a line to get anything done.
 

Nickslayer

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Because I like to have private banking that actually is private banking.
Oh yeah, and all my ATM withdrawals are free and I don't have to look for a specific ATM brand to get it to be free.
I never ever ever have to go into a branch and stand in a line to get anything done.
But um....which bank are you talking about?
 

Nickslayer

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So Im not sure exactly how correct this is but here is somthing interesting about FNB business banking. So because one of the HOA's and SS's I manage is on Platinum all the bank accounts I have linked to my account gets bundled together to 1 private wealth relations manager. So although my personal account is gold and I get no assistance there my business account (which is also gold) gets treated to a relations manager for free.
 

Erohann

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So Im not sure exactly how correct this is but here is somthing interesting about FNB business banking. So because one of the HOA's and SS's I manage is on Platinum all the bank accounts I have linked to my account gets bundled together to 1 private wealth relations manager. So although my personal account is gold and I get no assistance there my business account (which is also gold) gets treated to a relations manager for free.
mmm.... interesting. RMs are typically fixed on one region as far as I know. This region, can be anything though depending on how the bank is set up, i.e. Central/Cape/KZN with the whole country being divided into those three. Would be curious to know how FNB deals with that specific aspect and allocation.
 

johnny_h

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I'll be trying Discovery Bank from tomorrow.
Currently, I'm with FNB and like others have said, their Private/Premier banking is an absolute joke. It actually angers me when I see their billboard boasting about private bankers.
You're basically paying part of their salaries so that they can ignore you and help other clients (to date I haven't had a single query actually dealt with).

I'm gonna be downgrading to their lowest account(I think a R5 account) just so that I can keep the account open for debit orders while using Discovery Bank to transact. I hate Discovery for other reasons, but at least I'll be paying less than half what I'm currently paying and might actually get some sort of service.
 

Dom

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Capitec as I was with ABSA before but the account was useless. I am cool sticking with Capitec even though they seem limited compared to FNB as things should expand.
 

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