FNB Bank Your Change

themba990 said:
On an unrelated note I've turned back to cash only for my day to day transactions. Looking at my bank statement it details where I'm going and what I'm doing. The restaurants I visit, which days I go to the movies, which supermarkets i go to, how frequently i go to each and how much i spend, petrol stations, toll gates... Lots and lots of behavioural data. Makes me uncomfortable...
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I find that advantageous, personally, and try use my card rather than cash, because I then have a record of my spending which I can analyse, import into my budgeting/financial software etc. It's easier for me to manage my finances and budget if I can clearly see a bigger picture of where my money is being spent. It's easier to just download a bank statement that to record each and every purchase manually. If I thought anyone else was interested in this stuff and could easily access it, it would make me uncomfortable too, but I don't think anyone is!
 
joelus said:
I find that advantageous, personally, and try use my card rather than cash, because I then have a record of my spending which I can analyse, import into my budgeting/financial software etc. It's easier for me to manage my finances and budget if I can clearly see a bigger picture of where my money is being spent. It's easier to just download a bank statement that to record each and every purchase manually.
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+1. I do it for the exact same reason.
 
lucifir said:
whats a good budgeting/financial software package to use for analysing spending,etc.??
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I use buddi (http://buddi.digitalcave.ca/) because it's free and simple to use, but to be honest, I don't know how good it is. Depends on you requirements, I'm sure there are better, more comprehensive programs available.

I'm also considering trying 22seven - but that is R70 a month...
 
joelus said:
I use buddi (http://buddi.digitalcave.ca/) because it's free and simple to use, but to be honest, I don't know how good it is. Depends on you requirements, I'm sure there are better, more comprehensive programs available.

I'm also considering trying 22seven - but that is R70 a month...
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thanks .. will look at it ....
although I was thinking more along the lines of something that I will be able to import a csv file(from the bank) and will hopefully understand the SA banks formats,etc.??
 
joelus said:
I use buddi (http://buddi.digitalcave.ca/) because it's free and simple to use, but to be honest, I don't know how good it is. Depends on you requirements, I'm sure there are better, more comprehensive programs available.

I'm also considering trying 22seven - but that is R70 a month...
Click to expand...
lucifir said:
thanks .. will look at it ....
although I was thinking more along the lines of something that I will be able to import a csv file(from the bank) and will hopefully understand the SA banks formats,etc.??
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www.6cents.co.za
Imports really well.
It's a subscription based tool, but I'm not sure of the cost since my company provides it as a financial management tool to staff
 
If you have an Android phone, this looks like an interesting app:
https://play.google.com/store/apps/details?id=coza.apposition.finance.expenseza

ExpenZa takes the hassle out of expense tracking by automating as much of the process as possible.
This is done by intercepting the expenditure SMS message sent by your bank and using its information to populate your expense list. ExpenZa can also be used without a bank's SMS service by manually adding expenses.
Expenses to date can be compared with user defined budget per category.
ExpenZa also has the following additional features:
- Automatic categorization of expenses
- Totals for monthly expenses, budget and accounts
- Import old messages from SMS inbox
- Notification when expense is decoded
- Notification when unrecognized SMS is received from bank
- Manual editing of expenses
- Sorting of expenses and categories
- Filtering by dates
- Multiple accounts
- Export and import application data to SD card

The following South African banks are accommodated: ABSA, Capitec Bank, Discovery Card, First National Bank (FNB), Investec Bank, Nedbank (NEW), RMB Private Bank (NEW), Standard Bank.
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Swift-wp said:
Do you know if it's possible to change the top-up amount from the internet banking portal?
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Doesn't look like it, no. I can't find any mention of Bank Your Change at all after logging in.
 
How/where do I enable this or check that it is enabled?

FNB website is truly USELESS.
 
SauRoNZA said:
How/where do I enable this or check that it is enabled?

FNB website is truly USELESS.
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I don't think you can - if it's enabled you'll see transactions of money being moved into your savings pocket. I used to have it, but they disabled it for some reason.

I clicked on the contact us link on the top (when logged in) and sent them a request to reactivate. Also take note of this >> The Bank Your Change options available are: R1.00; R2.00; R5.00; R10.00; R20.00 and R50.00

So just add which one you'd like.

Otherwise you can go into a branch, but that's a lot of work :P
 
SauRoNZA said:
How/where do I enable this or check that it is enabled?

FNB website is truly USELESS.
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Call the call centre and ask them to enable Savings Pocket with BYC. It'll show up under your day-to-day accounts.

Have mine set to round off to the nearest R5 and saved about R1k this year alone...
 
Mike Hoxbig said:
Call the call centre and ask them to enable Savings Pocket with BYC. It'll show up under your day-to-day accounts.

Have mine set to round off to the nearest R5 and saved about R1k this year alone...
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I have the Savings Pocket.

Just no indication of the bank you change anywhere.

Also for a supposedly "online" bank I find it ridiculous that I need to call them for everything.
 
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