I want it all…26 March , 2013
This post is not what you think it might be about…it’s about banks in South Africa.
They’re a necessary evil of sorts aren’t they? Anyhoo, we’re stuck with them and the trick is finding the one that messes you around the least and then keeping a low enough profile to never get their full attention again after that.
On the off chance that someone who can do something about services and features of banks trawls the internet looking for tips, I have decided to list my favourite features of all the banks. If ever one single bank combined all of these things for me, I would move every single account I have over straight away. So, herewith a list of features that I would see in the mythical perfect bank mix, from each of the other existing banks:
- ABSA: this happens to be the bank that I’m with. I like their internet banking, their action line, and their universal branch code, and their prompt SMS notifications when there’s action on your account.
- FNB: I don’t have an account with this bank, but I believe you can buy your Lotto tickets online and they just automagically pay your winnings into your account so you never actually have to touch a ticket, stand in line, or remember to check if you’ve won. I never win, but still it would be a nice feature I think.
- Standard Bank: I don’t have an account here either, but I am thinking of opening one just because of this little feature. They have the best share trading thingy, and you get access to it with just a savings account. Pure magic! One of my secret place colleagues showed me how easy it is to use it, and I love it so much I SIMPLY MUST HAVE IT. I looked into my own bank’s “share trading system” and it’s so convoluted and labour intensive that I’d rather not even give it a bash, seriously. (on this one you just type in what you want and how many – Bob’s your uncle! With my bank you have to open a separate account, transfer money into it with a reference code, phone to check that your money has been allocated to your account, phone in orders for shares, check that they actually got allocated against your account with your reference number and so on…grrr…also you have to go FICA yourself again – that is so much fun that I don’t even want to look into it JUST for that!)
- Capitec: I have a savings account for Nicola with them. I love their interest rates when you actually have money and I love the service and the extended business hours. Their internet banking thing is also not too bad, but it looks so straight forward in comparison to what I’m used to that I get nervous using it, because surely this can’t be it? I’m just putting it out there Capitec, if you gave me the Lotto thing and the shares thing you’d be my hot favourite and bank of choice for sure! (Oh yes, and if you could get the SMS notifications to start working on Nicola’s account too, that would be great.)
- Nedbank: I don’t bank here, and have never heard anything good from anyone who does. If I had to pick one feature from this bank to add to the mix for the perfect bank I’d have to go with the colour scheme. Oh wait, just thought of something! They used to print really pretty pictures on their cards. Cool, we’ll take that. The colour scheme’s not that great to be honest.
That’s about that for me I guess. Who do you bank with? Do you love them? If so, why?
Totally unrelated photos (of course):
Still looks like a baby when she sleeps…
Some cute photos from in the car…