Money App and Online Banking Starter Guide

How to get going on The Nedbank Money app and Online Banking A guide for individual and business users

MAY 2021

see money differently CONTENTS PAGE

1 Introduction 1

2 Register by creating your Nedbank ID (for first-time users only) 2a Important information for registration 2 2b Individual profile users: Money app 3 2c Individual profile users: Online Banking 4 2d Business profile users: Money app 5 2e Business profile users: Online Banking 6 2f Nedbank ID website 7 2g Nedbank ID for international numbers 8

3 De(link) additional profiles (for users with multiple profiles only) 3a Link a profile 9 3b Delink a profile 10 3c Set a default profile 11 3d Switch between profiles 12

4 Log in to Money app and Online Banking (Only once registered – see step 2) 13

5 Adding secondary users (For business users only) 5a Money app 14 5b Online Banking 15

6 Reset login details 6a Nedbank ID and password 16 6b Profile number, PIN and password 17 7 Card management 18

Money app and Online Banking Nedbank’s digital channels provide you with richer functionality, fresh interfaces, easy navigation and the highest security standard. The Nedbank Money app launched in November 2017 and is one of the highest-rated banking apps on the market. The Online Banking platform was introduced in March 2018 and replaced Nedbank Internet Banking. Nedbank’s digital channels use a secure digital credential called Nedbank ID. This, over time, will replace all other login credentials used to access different Nedbank products.

How to get started To help you get started, we have put together this step-by-step guide. Please follow the steps carefully. If you need help, please contact your banker or our contact centre using the numbers listed in the footer.

A word on security Stay secure while banking. Never share your Nedbank ID username and password with anyone, not even Nedbank staff.

We also strongly recommend the following: • Always type nedbank.co.za manually into your browser to access Online Banking. • Never click on links in emails claiming to be from us. • Activate eNote alerts to tracktheactivity on your account. • Review Approve-it messages carefully before accepting them.

GENERAL PROFESSIONAL SMALL BUSINESS BUSINESS CORPORATE AND ENQUIRIES BANKING SERVICES BANKING INVESTMENT BANKING +27 (0)860 555 111 +27 (0)860 555 222 +27 (0)860 116 400 +27 (0)860 555 333 +27 (0)10 217 4340 1 2 REGISTER BY CREATING YOUR NEDBANK ID (For first-time users only) PERSONAL 2a Important information for registration

WHAT IS NEDBANK ID? Nedbank ID is the single sign-on username that soon will replace all other login credentials. All Nedbank clients are required to register for Nedbank ID by creatinga BUSINESS username and password.

Important Make sure you remember your Nedbank ID username and password for future use. You will need this every time you log in to Online Banking as well as other Nedbank products, such as Online Share Trading, the Greenbacks programme and MFC platforms.

FOR REGISTRATION SHOULDISTART ON ONLINE BANKING OR MONEY APP? You can create your Nedbank ID on any of our channels. • If you are an Internet Banking user, the best way to start is using our Online Banking or Money app registration process. Once you have registered on the one channel, you can use the Nedbank ID username and password to access the other channel. • If you are not yet a Nedbank client, you can create a Nedbank ID by visiting our Nedbank ID website at https://secured-id.nedbank.co.za.

IFIHAVE TWO OR MORE PROFILES (EG FOR PERSONAL AND BUSINESS USE), WHICH ONEIDO USE TO REGISTER? You can create your Nedbank ID using either profile. Once you have registered with the one profile, you can log in to Online Banking or the Money app to link the additional profiles as set out in the ‘How to’ guide (see step 3a).

I AMANETBANK BUSINESS USER, SHOULDIFOLLOW THIS PROCESS? No. For now, NetBank Business users can continue accessing NetBank Business in the same way they always have.

Clients with both an Internet Banking profile (profile numbers starting with 300) anda NetBank Business profile (starting with 400) need to follow the registration process for their profile only.

GENERAL PROFESSIONAL SMALL BUSINESS BUSINESS CORPORATE AND ENQUIRIES BANKING SERVICES BANKING INVESTMENT BANKING 2 +27 (0)860 555 111 +27 (0)860 555 222 +27 (0)860 116 400 +27 (0)860 555 333 +27 (0)10 217 4340 2 REGISTER BY CREATING YOUR NEDBANK ID (For first-time users only) PERSONAL 2b Individual profile users: Money app CORPORATE CARD CLIENTS

1 Open the appand 2 Tap onRegister . 3 Tap on Personal 4 Enter your South tap onLog in. profile. African identity or foreign passport number.

5 Acceptthe Approve-it 6 Create a Nedbank 6.1 Your username must 6.2 You will be guided in message. user name and be 'alphanumeric’ creating your password. (this means it must passwordwit h a handy containletters and password strength numbers) and at least meter. Your password seven characters long. must have: You cannot use spaces, • between eightand and only these special 16 characters; characters can be used: • atleast fourletters; +-@() lower-case (a–z) and upper-case letters (A–Z); •anumber (0–9); and • a special character (@%&!).

7 Enter your profile number, PINan d password or 8 Access andview your card and ATM PIN. dashboard.

GENERAL PROFESSIONAL SMALL BUSINESS BUSINESS CORPORATE AND ENQUIRIES BANKING SERVICES BANKING INVESTMENT BANKING +27 (0)860 555 111 +27 (0)860 555 222 +27 (0)860 116 400 +27 (0)860 555 333 +27 (0)10 217 4340 3 2 REGISTER BY CREATING YOUR NEDBANK ID (For first-time users only) PERSONAL 2c Individual profile users: Online Banking

1 Click onRegister . 2 Enter your South African identity or 3 Acceptthe Approve-it message. foreign passport number.

4 Create a Nedbank ID username and password. 4.1 Your username must be 'alphanumeric’ (this means it must contain letters and numbers) and at least seven characters long. You cannot use spaces, and only these special characters can be used: +-@() 4.2 You will be guided in creating your password with ahandy password strength meter. Your password must have: • between eightan d16characters; • atleast fourletters; • lower-case (a–z)an d upper-case letters (A–Z); •anumber (0–9); and • a special character (@%&!).

5 Enter a profile number,PINand 6 Selectthe accounts you would liket o see 7 Access andview your dashboard. password. on your dashboard.

GENERAL PROFESSIONAL SMALL BUSINESS BUSINESS CORPORATE AND ENQUIRIES BANKING SERVICES BANKING INVESTMENT BANKING 4 +27 (0)860 555 111 +27 (0)860 555 222 +27 (0)860 116 400 +27 (0)860 555 333 +27 (0)10 217 4340 2 REGISTER BY CREATING YOUR NEDBANK ID (For first-time users only) 2d Business profile users: Money app BUSINESS

1 Open the appand 2 Tap onRegister . 3 Tap on Business 4 Enter the business tap onLog in. profile. profile number, PIN and password.

5 Enter your South 6 Acceptthe 7 Create your Nedbank ID username and password. African identity or Approve-it message. 7.1 Your username must be 'alphanumeric (this means foreign passport it must contain letters and numbers) and at least number. seven characters long.You cannot use spaces, and only these special characters can be used: +-@() 7.2 You will be guidedincreating your password with a handypassword strength meter. Your password must have: • between eightan d16characters; • at least fourletters; • lower-case (a–z) and upper-case letters (A–Z); • a number (0–9);and • aspecialcharacter (@%&!).

8 Access andview your dashboard.

GENERAL PROFESSIONAL SMALL BUSINESS BUSINESS CORPORATE AND ENQUIRIES BANKING SERVICES BANKING INVESTMENT BANKING +27 (0)860 555 111 +27 (0)860 555 222 +27 (0)860 116 400 +27 (0)860 555 333 +27 (0)10 217 4340 5 2 REGISTER BY CREATING YOUR NEDBANK ID (For first-time users only) 2e Business profile users–Online Banking BUSINESS

1 Click onRegister . 2 Enter your South Africa identity or 3 Acceptthe Approve-it message. foreign passport number.

4 Create a Nedbank ID username and password. 4.1 Your username must be 'alphanumeric’ (this means it must contain letters and numbers) and at least seven characters long. You cannot use spaces, and only these special characters can be used: +-@() 4.2 You will be guided in creating your password with a handy password strengthmeter. Your password must have: • between8-16 characters; • at least 4letters; • lower-case (a-z) and upper-case letters (A-Z); • anumber (0-9); and • aspecial character (@%&!).

5 Enter your businessprofile number, PIN 6 Youma y see a screen where you can and password. select the accounts you would like to see on your dashboard.

7 Access andview your dashboard.

GENERAL PROFESSIONAL SMALL BUSINESS BUSINESS CORPORATE AND ENQUIRIES BANKING SERVICES BANKING INVESTMENT BANKING 6 +27 (0)860 555 111 +27 (0)860 555 222 +27 (0)860 116 400 +27 (0)860 555 333 +27 (0)10 217 4340 2 REGISTER BY CREATING YOUR NEDBANK ID (For first-time users only) PERSONAL 2f Nedbank ID website BUSINESS

1 Visit 2 Enter your South African identity or https://secured-id.nedbank.co.za. foreign passport number and follow the prompts to create your Nedbank ID.

GENERAL PROFESSIONAL SMALL BUSINESS BUSINESS CORPORATE AND ENQUIRIES BANKING SERVICES BANKING INVESTMENT BANKING +27 (0)860 555 111 +27 (0)860 555 222 +27 (0)860 116 400 +27 (0)860 555 333 +27 (0)10 217 4340 7 2 REGISTER BY CREATING YOUR NEDBANK ID (For first-time users only) PERSONAL 2g Nedbank ID for international numbers

PLEASE FOLLOW THE PROCESSES DESCRIBED FOR ANY OF THE SCENARIOS 2a–f The Approve-it message will not come through on an international cellphone number. Instead, an SMS with a one-time password (OTP) will be sent. Enter the OTP and tap Submit as BUSINESS shown below.

MONEY APP

ONLINE BANKING

GENERAL PROFESSIONAL SMALL BUSINESS BUSINESS CORPORATE AND ENQUIRIES BANKING SERVICES BANKING INVESTMENT BANKING 8 +27 (0)860 555 111 +27 (0)860 555 222 +27 (0)860 116 400 +27 (0)860 555 333 +27 (0)10 217 4340 3 DE(LINK) ADDITIONAL PROFILES (for users with multiple profiles only) PERSONAL 3a Linkaprofile

MONEY APP BUSINESS

1 From the dashboard 2 Tap onLin k a profile. 3 Acceptthe terms 4 Enter the profile tap onM ore. and conditions. number,PINand password or card and PIN associated with the profile number.

5 Acceptthe Approve-it message.

ONLINE BANKING

1 From the dashboardclick on the profile 2 Click onLi nk profile. 3 Acceptthe terms and conditions. name in the top menu to expand the toolbar.

4 Enter the profile number, PIN and password. 5 Acceptthe Approve-it message.

GENERAL PROFESSIONAL SMALL BUSINESS BUSINESS CORPORATE AND ENQUIRIES BANKING SERVICES BANKING INVESTMENT BANKING +27 (0)860 555 111 +27 (0)860 555 222 +27 (0)860 116 400 +27 (0)860 555 333 +27 (0)10 217 4340 9 3 DE(LINK) ADDITIONAL PROFILES (for users with multiple profiles only) PERSONAL 3b Delinkaprofile

MONEY APP BUSINESS

1 From the dashboard 2 Tap onS ettings. 3 Tap on Profile settings. 4 Tap onD elink profile 5 Tap on Delink profile. of the profile you from Nedbank ID. would like todelink tap onM ore.

ONLINE BANKING

1 From the dashboardclick on Settings. 2 Click on Profile settings. 3 Click on Profile management.

4 Click on Delinkprofile. 5 Click on Yes, I am sure.

GENERAL PROFESSIONAL SMALL BUSINESS BUSINESS CORPORATE AND ENQUIRIES BANKING SERVICES BANKING INVESTMENT BANKING 10 +27 (0)860 555 111 +27 (0)860 555 222 +27 (0)860 116 400 +27 (0)860 555 333 +27 (0)10 217 4340 3 DE(LINK) ADDITIONAL PROFILES (for users with multiple profiles only) PERSONAL 3c Setadefault profile

MONEY APP BUSINESS

4 Tap on Set as default 1 From the dashboard 2 Tap onS ettings. 3 Tap on Profile settings. 5 Tap on Set as default. profile. tap onM ore.

ONLINE BANKING

1 From the dashboardclick on Settings. 2 Click on Profile settings. 3 Click on Profile management.

4 Click onS et defaultprofile next to the profile you would like to make the default profile.

GENERAL PROFESSIONAL SMALL BUSINESS BUSINESS CORPORATE AND ENQUIRIES BANKING SERVICES BANKING INVESTMENT BANKING +27 (0)860 555 111 +27 (0)860 555 222 +27 (0)860 116 400 +27 (0)860 555 333 +27 (0)10 217 4340 11 3 DE(LINK) ADDITIONAL PROFILES (for users with multiple profiles only) PERSONAL 3d Switch between profiles

MONEY APP

NIX 9:41 AM 100%

BUSINESS MyUsername123

My accounts

Current balance

Everyday R320 000.90

banking Available balance R9 753.46

Savvy Bundle R9 591.84

Ke Yona Bundle R7.00

Pay-as-you-use R154.62

QuickPay Pay Me

From account Savvy Account Overview Cards Transact Recipients More

1 From the dashboard 2 Taponthe profile you tap onM ore. would like to switch to.

ONLINE BANKING

1 From the dashboardclick on the profile 2 Click on the profileyo u would like to name in the top menu bar to open the switch to. toolbar.

GENERAL PROFESSIONAL SMALL BUSINESS BUSINESS CORPORATE AND ENQUIRIES BANKING SERVICES BANKING INVESTMENT BANKING 12 +27 (0)860 555 111 +27 (0)860 555 222 +27 (0)860 116 400 +27 (0)860 555 333 +27 (0)10 217 4340 4 LOG IN TO MONEY APP AND ONLINE BANKING (Only once registered–see step 2) PERSONAL

MONEY APP We suggest using Face ID, Touch ID or a five-digit app PIN. BUSINESS

OR OR

You will be prompted to create Face ID*, Touch ID* or a five-digit app PIN on your second login. You can change your login preferences by going to More > Login and security.

* Available where the device supports the functionality. On an Android device this is calledafingerprint login.

ONLINE BANKING

1 Log in with your Nedbank ID username and password.

GENERAL PROFESSIONAL SMALL BUSINESS BUSINESS CORPORATE AND ENQUIRIES BANKING SERVICES BANKING INVESTMENT BANKING +27 (0)860 555 111 +27 (0)860 555 222 +27 (0)860 116 400 +27 (0)860 555 333 +27 (0)10 217 4340 13 5 ADDING SECONDARY USERS (For business users only)

5a Money app BUSINESS

1 From the dashboard 2 Tap onS ettings. 3 Tap on Profile 4 Tap on Manage users. tap onM ore. settings.

5 Tap onShare profile. 6 Acceptthe terms 7 Enter a validSouth 8 Acceptthe Approve-it and conditions. African identity message. or foreign passport number.

GENERAL PROFESSIONAL SMALL BUSINESS BUSINESS CORPORATE AND ENQUIRIES BANKING SERVICES BANKING INVESTMENT BANKING 14 +27 (0)860 555 111 +27 (0)860 555 222 +27 (0)860 116 400 +27 (0)860 555 333 +27 (0)10 217 4340 5 ADDING SECONDARY USERS (For business users only) 5b Online Banking BUSINESS

1 From the dashboardclick on Settings. 2 Click onProfile settings. 3 Click on Manage users.

4 From the dashboardclick on 5 Acceptthe terms and conditions. 6 Enter the secondary user’s ID number. Share profile.

7 Acceptthe Approve-it.

PERSONAL 6a Nedbank ID and password

MONEY APP BUSINESS

1 Click on Forgot your 2 Click onReset password. password.

ONLINE BANKING

1 Click on Forgot your details. 2 Click onRese t Nedbank ID password. It is recommended that you change your password once logged in to avoid being delinked from the Money app.

After you have reset your Nedbank ID password, you will be prompted to relink your profile using the old Internet Banking profile number, PIN and password or your card details and PIN (on the Money app). You will also have to relink any additional profiles (see section 3a).

GENERAL PROFESSIONAL SMALL BUSINESS BUSINESS CORPORATE AND ENQUIRIES BANKING SERVICES BANKING INVESTMENT BANKING 16 +27 (0)860 555 111 +27 (0)860 555 222 +27 (0)860 116 400 +27 (0)860 555 333 +27 (0)10 217 4340 6 RESET LOGIN DETAILS

6b Internet Banking: profile number, PIN and password PERSONAL

FORGOTTEN PROFILE AND PASSWORD DETAILS Visit you nearest branch to have your details reset. BUSINESS CREATINGANEW PIN Visit you nearest branch to have your details reset.

Visit your nearest branch and You willreceiv e a Create a permanent PIN on request a PIN reissue. temporary PIN that will the Nedbank ID website or bevalid forsixworking at a self-service kiosk ina days. branch (see below).

CREATINGAPERMANENT PIN ON THE NEDBANK ID WEBSITE Visit https://secured-id.nedbank.co.za and log in with your Nedbank ID.

1 Click on Link a profile. 2 Click on Reset PIN and password. 3 Enter your profile number and temporary PIN.

4 Enter a new PIN and 5 Accept the Approve-it 6 Link your profile, PIN and password. message. password to your Nedbank ID.

CREATINGAPERMANENT PIN ATASELF-SERVICE KIOSK

+27 86 055 5111 Cancel Cancel Cancel

What would you like to do? Create a password Create a new PIN Choose a password Enter your profile number and PIN Choose a new 4-digit PIN These are the details on the paper you received from one of our team members in the branch. Your password must: Your PIN can’t: be between 6 and 10 characters long; Invest Transact Manage Print Profile number be made up of the same number (eg 3333); or use both numbers and letters; and Open an Pay, transfer, buy Control cards, statements include consecutive numbers (eg 1234). not use special characters (eg @$#%). investment prepaids and play limits, accounts Get current or account LOTTO and debit orders 3-month Confirm your 4-digit PIN Confirm password Temporary PIN

By clicking next you’ll activate your PIN. Please keep this PIN By clicking next you’ll activate your password. Please keep this safe as you’ll need it to create your Nedbank ID. password safe as you’ll need it to create your Nedbank ID.

Create a Nedbank ID Log in Next

Activate your temporary profile PIN Update PIN Update password

Never disclose your Nedbank ID and/or Nedbank profile number, PIN and password to any third parties. Nedbank cannot be held liable for any loss whatsoever should youinany Never disclose your Nedbank ID and/or Nedbank profile number, PIN and password to any third parties. Nedbank cannot be held liable for any loss whatsoever should youinany manner, directly or indirectly, compromise any of these details. Never disclose your Nedbank ID and/or Nedbank profile number, PIN and password to any third parties. Nedbank cannot be held liable for any loss whatsoever should youinany Never disclose your Nedbank ID and/or Nedbank profile number, PIN and password to any third parties. Nedbank cannot be held liable for any loss whatsoever should youinany manner, directly or indirectly, compromise any of these details. manner, directly or indirectly, compromise any of these details. manner, directly or indirectly, compromise any of these details.

1 Click on Activate your 2 Enter your profile number 3 Create a new PIN. 4 Create a password. temporaryprofile PIN. and temporary PIN.

Manage your Nedbank cards easily using the Money app and Online Banking.

Available to personal, business and corporate cardGet in touch clients. RT Log out

Overview Pay Transfer Buy Cards Recipients Settings Apply Card management on Online Banking Card management on the Money app

12:30

Cards CORPORATE CARD CLIENTS My cards

Name of card Other title from API ACTIVE Card number **** **** **** 7992

Expiry date mm/yy PERSONAL

Credit limit R150 000.00

This card is linked to This card is linked to Nedbank Savvy Plus Bundle Nedbank Savvy Plus Bundle BUSINESS Card settings Card limits Card settings Card limits

Block and Update ATM limits replace card Block and replace card Credit limit increase NEW Replace my damaged card

Freeze card Replace damaged card

Online purchases

Freeze card Use card overseas Active

Set an automatic Inactive payment Use tap and go

Nedbank Ltd Reg No 1951/000009/06. Get in touch Find an ATM or branch Help Terms and conditions Authorised financial services and registered credit provider (NCRCP16). Allow online purchases

Use card overseas Active

Set automatic payment Inactive

Overview Cards Transact Recipients More

Card management functionality Business cards Personal cards Corporate cards Add to Apple Wallet (limited to Money app on iOS) ✔ ✔ ✔ Block and replace ✔ ✔ ✔ Replace damaged card ✔ ✔ ✔ Change card PIN (only on Money app) ✔ ✔ ✔ Freeze card ✔ ✔ ✔ Use tap and go ✔ ✔ ✔ Toggle online purchases ✔ ✔ ✔ Use card overseas ✔ ✔ ✔ Set automatic payment orders (credit cards only) ✔ ✔ Update ATM limits ✔ ✔ ✔ Credit limit increase (credit cards or facilities only) ✔ ✔ Activate inactive card ✔ ✔ ✔ Rename card ✔ ✔ ✔

GENERAL PROFESSIONAL SMALL BUSINESS BUSINESS CORPORATE AND ENQUIRIES BANKING SERVICES BANKING INVESTMENT BANKING 18 +27 (0)860 555 111 +27 (0)860 555 222 +27 (0)860 116 400 +27 (0)860 555 333 +27 (0)10 217 4340 16

Nedbank Head Office 135 Rivonia Campus 135 Rivonia Road Sandown Sandton 2196 South Africa PO Box 1144 Johannesburg 2000 South Africa

FOR MORE INFORMATION PLEASE VISIT nedbank.co.za

Nedbank Ltd Reg No 1951/000009/06. Authorised financial services and registered credit provider (NCRCP16).