Superman

Card Console – international travel

When preparing to travel abroad, customers can now activate their cheque or credit card(debit cards are excluded) so it can be used during their travels. Users simply stipulate their travel dates, destination, and contact details for while they are away.

We will be further improving the Card Console features over the coming months, allowing customers to perform a range of functions – including changing ATM withdrawal limits, and temporarily/permanently deactiving one’s card.

Note: Debit cards are excluded for international travel activation

Why do I need to inform the bank about my trip?

As part of our fraud monitoring practices, we flag transactions in certain countries as a ‘high risk’. In order for you to be assured your cards won’t be declined because of these flags, please inform us when you will be travelling.

To notify us of your travel dates, follow these steps:

  • Sign-in to the app
  • Navigate to ‘Settings’
  • Select the card you’d like to use while you’re abroad
  • Select ‘Use Card Abroad’’
  • Toggle this to ‘on’
  • Confirm your departure and arrival dates
  • Select the country(ies) you’ll travel to – up to 9
  • Add contact details for someone else, while you are away
  • Take note of your reference number (top right corner)

When should I notify the bank I am travelling overseas?

You can notify us at any stage. However, it is preferable to inform us before you leave – so that as you arrive at your destination, you can be assured that your card will immediately work.

What should I do if I am overseas and a transaction has been declined?

You can simply sign-in to the app, and indicate to us that you are traveling. Follow these steps:

  • Sign-in to the app
  • Navigate to ‘Settings’
  • Select the card you’d like to use while you’re abroad
  • Select ‘Use Card Abroad’’
  • Toggle this to ‘on’
  • Confirm your departure and arrival dates
  • Select the country(ies) you’ll travel to – up to 9
  • Add contact details for someone else, while you are away
  • Take note of your reference number (top right corner)

What if my itinerary changes midway through my trip?

You can amend your travel detail in the app. Simply:

  • Login to the app
  • Navigate to ‘Settings’
  • Select the card you’d like to use while you’re abroad
  • Select ‘Use Card Abroad’’
  • This will already be toggled to ‘on’
  • Select the dates and the destinations to amend these details
  • Select ‘done’
  • You will receive a new reference number

What if the dates of my trip change?

You can amend your travel detail in the app. Simply:

  • Login to the app
  • Navigate to ‘Settings’
  • Select the card you’d like to use while you’re abroad
  • Select ‘Use Card Abroad’’
  • This will already be toggled to ‘on’
  • Select the dates and the destinations to amend these details
  • Select ‘done’
  • You will receive a new reference number

What should I do if I travel regularly?

If you are a frequent traveler, you do not have to always create a new travel instance for every trip that you take. You may find it easier to create one, ongoing, travel instance, that you amend to include upcoming trips.

Please remember to include all stop-over destinations (places where you may only spend a day or two).

How do I delete my travel notification?

Simply toggle the travel notification to ‘off’ (you will be asked if you are sure you would like to delete the travel notification)?

How do I contact the customer when they are travelling?

When using the app to activate their cards for international travel, customers will enter their contact details (contact number and /or email) to be used while they are away, and will be issued with a reference number for each travel instance. Customers who log a travel instance with contact details on the app, will not be placed on Adeptra, instead the fraud analyst will work on manual alerts and then follow the already established processes. If the customer cannot be contacted via the provided contact number, the fraud agent will then make use of the email address provided.

These contact details, reference numbers, and the details of each travel instance, will be stored in CPS as a diary note.

Agents can use the contact details listed in these diary notes to get in touch with the customer. Enter the customer’s card number into CPS, to see diary notes (please note that you cannot search within CPS by using reference numbers of travel instances). Please note that the reference number is not stored in Customer First. The reference number is the customer’s proof that he informed the bank of his travels.

EAP limit management

In this much-anticipated feature release, our customers can now use the app to increase or decrease their Electronic Account Payment (EAP) limit – up to a maximum of R500000 per month.

What does EAP mean?

EAP stands for ‘Electronic Account Payment’. Your EAP limit represents the total value of all electronic payments you can make in a month – from the App,Internet Banking, or from ATMs, etc.

Note that EAP limits apply only to payments made to other parties only (ie not inter-account transfers).

Is it safe/secure to change my EAP limits in the app?

Aside from the sign-in requirements to get into the app, we have added an extra layer of security – a one-time password that is delivered to your cellphone via SMS.

You will also receive an SMS confirmation once your EAP limit has been changed.

We always encourage customers not to raise their EAP limits beyond what they normally need in a typical month. For special, once off payments of large amounts, it is best to temporarily raise your EAP limit and then immediately decrease it after the transaction.

How do I change my EAP limit on the app?

  • Select the menu icon in the top left or swipe the screen from left to right
  • Select ‘Settings’ (bottom right)
  • Under the ‘Cards’ section, select the highlighted card (this is the card you used to create the dashboard)
  • Select ‘Monthly EAP Limit’
  • Select the current EAP limit amount, and change this to the new limit that you’d like (up to a maximum of R500000)
  • Select ‘Next’
  • You will receive a one-time password (OTP) delivered to your cellphone or email
  • Enter this OTP
  • A screen will confirm your limit is updated and you will receive an SMS to confirm your limit has been changed
  • Your new limit is applied permanently (ie for this month, and all months after that)

What do I do, if I want to change my EAP limit for one of the other cards?

Please toggle to the dashboard that is associated with the card in question (the card for which you would like to adjust the EAP limit)

How can I see how much of my monthly limit I have used?

  • Select the menu icon in the top left or swipe the screen from left to right
  • Select ‘Settings’ (bottom right)
  • Under the ‘Cards’ section, please select the highlighted card (this is the card you used to create the dashboard)
  • Select ‘Monthly EAP Limit’
  • In a bar graph, you will see the total amount you have used so far this month, and the available balance that remains

What’s the maximum amount I can set for my EAP limit?

From the app, the limit is currently R500000 per month. To increase it beyond this, you will be required to visit a branch or call us on 0860 123000.

What types of transactions count towards my EAP limit?

  • Payments made to others – from Internet Banking, the App, Cellphone Banking, Telephone Banking, or at the ATM
  • Payments to beneficiaries (individuals)
  • Payments to pre-listed beneficiaries (egCoJ)
  • InstantMoneycash vouchers

(It does not include inter-account transfers, or prepaid airtime or electricity, or any card swipes)

I am trying to make a payment but it shows a red exclamation mark?

If you see this error message, you have most likely exceeded your current EAP limit for the month. To increase your limits, please follow these steps, and then try to make the payment again.

  • Select the menu icon in the top left or swipe the screen from left to right
  • Select ‘Settings’ (bottom right)
  • Under the ‘Cards’ section, select the highlighted card (this is the card you used to create the dashboard)
  • Select ‘Monthly EAP Limit’
  • Select the current EAP limit amount, and change this to the new limit that you’d like (up to a maximum of R500000)
  • Select ‘Next’
  • You will receive a one-time password (OTP) delivered to your cellphone or email
  • Enter this OTP
  • A screen will confirm your limit is updated and you will receive an SMS to confirm your limit has been changed
  • Your new limit is applied permanently (ie for this month, and all months after that)

Can I decrease my EAP limit?

Yes, EAP limit can be decreased by following these steps:

  • Select the menu icon in the top left or swipe the screen from left to right
  • Select ‘Settings’ (bottom right)
  • Under the ‘Cards’ section, select the highlighted card (this is the card you used to create the dashboard)
  • Select ‘Monthly EAP Limit’
  • Select the current EAP limit amount, and change this to the new limit that you’d like (up to a maximum of R500000)
  • Select ‘Next’
  • You will receive a one-time password (OTP) delivered to your cellphone or email
  • Enter this OTP
  • A screen will confirm your limit is updated and you will receive an SMS to confirm your limit has been changed
  • Your new limit is applied permanently (ie for this month, and all months after that)

Why can’t I see all my cards?

You will only be shown cards that have been used to create dashboards. If you have other cards for which you’d like to set the EAP limit, please create a new dashboard, and link this card to the dashboard.

Can I increase my EAP limit for just one transaction?

Yes, for special, once off payments of large amounts, it is best to temporarily raise your EAP limit and then immediately decrease it after the transaction.

Vehicle and Asset Finance (VAF)

We are pleased to announce that VAF will be available to view on the SBG mobile app. The initial functionality will enable Standard Bank customers who have registered with the app to view their assets financed with us.

The view includes:

  • the outstanding balance and original loan amount per deal,
  • the next repayment amount,
  • the date of the next repayment and;
  • general statement information

… from the convenience of their smartphone.

This important enhancement represents the latest milestone in our journey to provide customers with an App that unlocks access to a customer’s entire financial portfolio with Standard Bank.
From basic transactions, to Insurance services, UCount Rewards, Share Trading, and now VAF, we’ve made great strides in our vision of empowering customers with an entire ‘Bank in their pocket’.
To ensure we are continuing moving forward with our digital journey, we will be adding richer VAF features to the app over the coming months.

How do I view my VAF account on the App?

If you are registering for the App for the first time, you will be asked to link all your available accounts. Once you have done this, you will notice that your VAF account is automatically added, and available as a “ghost tile” on the homescreen. Simply tap the ghost tile to activate your VAF profile on the App.

Currently, only customers with a transactional account will be able to link their VAF profiles.

If you are already an App user, you will navigate to the ‘Explore’ menu, at the bottom of the home screen. From there, you will find the Vehicle and Asset Finance option. Select that, to create a ghost tile on the home screen. Then, simply tap the tile to automatically activate your VAF profile to the App.

How do I see my outstanding VAF balance on the app?

Your outstanding balance, as well as the original loan amount, will be immediately visible on the VAF tile. By scrolling down, you will be able to view general statement information. More details about your account are available by tapping on the information icon and viewing the full portfolio.

Can I link more than one vehicle to the app?

Yes. When linking your VAF profile, all your financed vehicles or assets will reflect as separate tiles on your home screen.

Apple Watch App – Banking

We’ve become the first bank in South Africa (and one of the first around the world) to embrace wearable technology – with the forthcoming release of our Apple Watch banking app.

The first version of our Apple Watch app will be the Balance Peek feature, allowing users to check their latest account balances without having to log into internet banking or the smartphone app.

As more users start embracing smart watches and other forms of wearable technology, we’ll collaborate with customers to understand their requirements and develop a roadmap of banking features for wearables.

What version of the app will be compatible with the Apple Watch app?

To use the Apple Watch feature of the Standard Bank smartphone app, users must ensure they have updated their app. They also need to be using the latest Apple operating system (iOS 8.4).

How do I install the Standard Bank Apple Watch app?

  • Ensure you have updated the Standard Bank smartphone app to the latest version
  • Go to the Standard Bank smartphone app and activate the Balance Peek feature
  • Swipe the screen from left to right, or select the menu icon on the top left of the screen
  • Select ‘Settings’
  • Select ‘Balance Peek’
  • Select the account for which you would like to activate Balance Peek
  • Then go to the Apple Watch app (this comes standard with the latest iOS version)
  • Select ‘Start pairing’ and follow the prompts
  • The Watch app will find all compatible smartphone apps (those apps that can be used on an Apple Watch)
  • You can choose to install all available apps immediately, or choose to install them later
  • If you choose ‘later’ you can revisit the Apple Watch app from your smartphone, at any stage, and install the apps to your watch.

What Standard Bank services are available on the Apple Watch?

Initially, the Balance Peek service will be available to customers – allowing them to quickly check the latest balances for all their accounts, with just a glance at their wrist.

Customers simply select the Standard Bank icon that they will see on their Apple Watch homescreen.

How to I change the location/positioning of the Standard Bank app on the Apple Watch?

To move the app around, long-press on the Standard Bank icon (which places the screen into an ‘edit’ mode) and drag the Standard Bank icon to a new location.

Will there be a banking app for Android Wear devices?

Yes. We expect to make smartwatch services available to users of Android Wear devices in the near future.

What do I do if my balances are not reflecting correctly or not reflecting at all?

  • Ensure your Apple Watch is connected via Bluetooth to your smartphone
  • In the Standard Bank smartphone app, check your Balance Peek settings are correctly configured
  • Remember that certain transactions are not necessarily immediately processed by merchants or banks, so may not always immediately reflect.

Will Standard Bank add more features to the Apple Watch app?

Yes. Look out for new smartwatch features in the near future. If you have suggestions for services you would like to see being brought to the watch, please share your views

How secure is the Apple Watch app?

The Balance Peek feature is completely optional. We see that a lot of our customers go into the App merely to check their balances; so we have made that easier by binging Balance Peek to the Apple Watch.

Remember that no financial transactions can be performed until the customer logs into the secure environment. We also do not present the account numbers – but rather show just the account names, and the balances.

To ensure that there is even less risk of anyone seeing your balance, enable a passcode to get into your device.

Apple Watch App – Share Trading

In addition to the banking app for Apple Watches, we’re also building an Apple Watch app for Online Share Trading (OST) clients.

First on the agenda are smart watch services that allow share trading clients to track indices and shares, see the biggest market movers and view their share portfolios.

What Online Share trading features are available on the Apple Watch?