I need a new bank account - help

[DarKWateR]

So I'm starting a new job on Monday and I need a new one (my old Absa one is totally messed

Anyway, I do online shopping now and then and I heard somewhere that you get this saving account or whatever that also acts as a credit card (without funds of course) but I have no idea of where to get this.

Basically I want a "empty - clean" credit card which I'll use a my standard saving account or similar.

Any suggestions on what bank offers something like this...I don't care if it's FNB, Standard or whatever

 

[Pitbull]

My new check account from Standardbank and now Nedbank gives you a card that actually looks like it can work as a credit card also if there is funds in it. Never tried it though.

It has a CVV number on the back

Dono if that is what you mean.

 

[subculture]

Standard Bank has something called AutoPay which I believe is a facility to allow individuals to pay for stuff online instead of using their credit card. It is like using a debit card at a shop vs a credit card.

Something like that?

 

[DarKWateR]

My new check account from Standardbank and now Nedbank gives you a card that actually looks like it can work as a credit card also if there is funds in it. Never tried it though.

It has a CVV number on the back

Dono if that is what you mean.

Hmmm, this sound like the right one...maybe I must go to Standard Bank tomorrow and just explain what I want :/

Standard Bank has something called AutoPay which I believe is a facility to allow individuals to pay for stuff online instead of using their credit card. It is like using a debit card at a shop vs a credit card.

Something like that?

Yeah, but the site you shop from has to support the Autopay feature (such as Kalahari and Take 2 I think) but international shops are a no go AFAIK.

 

[thedutchman]

if you are under 23, get a student achiver acc with standardbank, gives you all the features, otherswise, just a normal check account / current account

 

[ebendl]

I think StandardBank is way too expensive if you are actually working. Remember, if they give you "inclusive" transactions for R150 p/m, ask yourself whether you'll actually use 15 cheques a month??

Anycase, I am on FNB Gold, have a gold VISA cheque card that works just like a credit card. Has a CCV number on the back. Also have a gold credit card.

Their silver account gives you the more standard debit card.

Used to be at Nedbank before they had their student offering, but also got a VISA cheque card there (and not just a debit card).

One thing I am not sure of is whether a cheque card that works like a CC also gives you some insurance against fraud from online transactions? I know VISA has insurance for these kind of activities, and I got a phone call the other day from FNB asking whether I had just spent R40,000 in Italy... Needless to say, I didn't, and they just canceled the transaction without costing me a thing.

 

[CharlesM]

Their silver account gives you the more standard debit card.

One thing I am not sure of is whether a cheque card that works like a CC also gives you some insurance against fraud from online transactions? I know VISA has insurance for these kind of activities, and I got a phone call the other day from FNB asking whether I had just spent R40,000 in Italy... Needless to say, I didn't, and they just canceled the transaction without costing me a thing.

I have a FNB SIlver cheque account, which came with a VISA cheque card. Unsless you have an overdraft on the account, it works as a debit card. I've also had an incident where there were fraudulent charges to the card, and you follow the same procedure as you would with a regular credit card.

My main reason for having this cheque card is for online transactions and flight tickets - I've never had a problem. It works like a credit card, only difference is that you don't have to pay anything off...

 

[ebendl]

I have a FNB SIlver cheque account, which came with a VISA cheque card. Unsless you have an overdraft on the account, it works as a debit card. I've also had an incident where there were fraudulent charges to the card, and you follow the same procedure as you would with a regular credit card.

My main reason for having this cheque card is for online transactions and flight tickets - I've never had a problem. It works like a credit card, only difference is that you don't have to pay anything off...

Great to hear! Also didn't know the silver one came out with a Standard VISA (and not VISA Electron), so my bad.

 

[xrapidx]

My new check account from Standardbank and now Nedbank gives you a card that actually looks like it can work as a credit card also if there is funds in it. Never tried it though.

It has a CVV number on the back

Dono if that is what you mean.

It works exactly like a credit card (to you) - you can even use it online or overseas.