Important: You need a Nedbank bank account first. You cannot use online banking without a Nedbank account.

Check Your Money

• See how much money you have
• Look at what you spent
• Download your bank statements
• Check all your Nedbank accounts

Pay and Send Money

• Pay your electricity bill
• Send money to friends and family
• Pay to other banks (EFT payments)
• Set up automatic payments (debit orders)
• Stop debit orders you don’t want

Buy Things Online

• Buy prepaid electricity
• Buy airtime and data
• Play the LOTTO
• Buy gift vouchers

Manage Your Account

• Update your contact details
• Save people you pay often (beneficiaries)
• See your credit score for FREE
• Book meetings with financial advisors

Step 1: Create Your Nedbank ID

First, you need to make a Nedbank ID. This is your username and password.

1. Go to secured.nedbank.co.za on your computer
2. Click on “Register”
3. Enter your South African ID number (or passport number)
4. Nedbank will send an Approve-it message to your phone
5. Accept the message on your phone
6. Create your username (you can choose any name)
7. Create your password (must be strong and safe)

Step 2: Link Your Bank Account

Now connect your bank account to your Nedbank ID:

1. Enter your bank card number
2. Enter your ATM PIN
3. Or use your old profile number, PIN and password
4. Accept the Approve-it message on your phone
5. Your registration is complete!

⚠️ Important Security Tip: Never register for online banking at an internet cafe. Always use your own computer at home. Public computers can steal your information.

• Registration for online banking: R0
• Checking your balance: R0
• Downloading bank statements: R0
• Setting up debit orders: R0
• Between your own Nedbank accounts: R0
• Viewing your credit score: R0

Money-Saving Tip: Online banking is cheaper than going to a branch. You save transport money too. Use it as much as possible.

Security Features Nedbank Uses

• Approve-it Messages: You approve every important action on your phone
• Encryption: Your information is coded and hidden from criminals
• Two-Factor Authentication: You need password AND phone to log in
• Fraud Monitoring: Nedbank watches for suspicious activity 24/7

✓ Create a Strong Password

• Use at least 8 characters
• Mix letters, numbers, and symbols
• Don’t use your birthday or name
• Don’t use the same password for other websites

✓ Protect Your Login Details

• NEVER share your password with anyone
• NEVER write your password on paper
• Don’t save passwords in your browser
• Log out when you finish banking

✓ Check Approve-it Messages Carefully

• Read every Approve-it message before accepting
• Check the amount is correct
• If you didn’t do it, DECLINE the message immediately
• Call Nedbank on 0800 110 929 if something is wrong

✓ Use Safe Computers

• Only use your own computer or laptop
• NEVER use internet cafes for banking
• Don’t bank on public WiFi at malls or restaurants
• Install antivirus software on your computer

1. Phishing Emails (Fake Messages)

HOW IT WORKS:

You get an email that looks like it’s from Nedbank. It says your account is blocked or there’s a problem. It tells you to click a link.

THE DANGER:

The link takes you to a fake website. When you enter your password, criminals steal it.

HOW TO PROTECT YOURSELF:

• NEVER click links in emails claiming to be from Nedbank
• Always type secured.nedbank.co.za yourself in the browser
• Forward suspicious emails to phishing@nedbank.co.za
• Nedbank will NEVER ask for your password by email

2. Smishing (Fake SMS Messages)

HOW IT WORKS:

You get an SMS saying “Update your Nedbank account” or “Confirm this payment.” There’s a link to click.

HOW TO PROTECT YOURSELF:

• NEVER click links in SMS messages about your account
• Go directly to secured.nedbank.co.za yourself
• Nedbank will NEVER send you links in SMS to log in
• Delete suspicious SMS messages immediately

3. Vishing (Fake Phone Calls)

HOW IT WORKS:

Someone phones you. They say they’re from Nedbank. They ask for your password or PIN. They might say there’s fraud on your account.

HOW TO PROTECT YOURSELF:

• Nedbank will NEVER ask for your password on the phone
• Nedbank will NEVER ask for your full PIN or card number
• Hang up immediately if someone asks for these details
• Call Nedbank back on 0800 110 929 (the official number)

4. Remote Access Scams

HOW IT WORKS:

Criminals tell you to download “security software” or “remote access software.” This lets them control your computer.

HOW TO PROTECT YOURSELF:

• NEVER download software when someone phones you
• Nedbank will NEVER ask you to download anything
• Don’t let anyone access your computer remotely

⚠️ REMEMBER THIS RULE:

Nedbank will NEVER ask you for your password, PIN, or card details via email, SMS, or phone. If someone asks for these, it’s a SCAM. Hang up or delete the message immediately.

Step 1: Call Nedbank NOW

Phone 0800 110 929

This is Nedbank’s Fraud Hotline. They are available 24/7. Don’t wait until later. Call immediately.

Step 2: Change Your Password

If you can still log in, change your password immediately. Choose a completely new password.

Step 3: Open a Case with Police

Go to your nearest police station. Open a case. Get a case number.

You can also report fraud to SAPS at 419scam@saps.org.za

Step 4: Report Identity Theft

If criminals have your ID details, call SAFPS (South African Fraud Prevention Services):

Phone: 0860 101 248 or 011 867 2234

Common Problems and Solutions

Step 1: Complain to Nedbank First

Contact Nedbank’s complaint department:

• Phone: 011 294 0291
• Email: clientfeedback@nedbank.co.za

Ask for a complaint reference number. Keep this number safe.

Step 2: Wait 20 Working Days

Give Nedbank 20 working days (about 4 weeks) to fix your problem. They will contact you with their decision.

Step 3: Complain to the Ombudsman

If Nedbank doesn’t help you, complain to the National Financial Ombudsman (NFO). This service is FREE.

What the Ombudsman Can Do:

• They investigate your complaint for FREE
• They can order Nedbank to pay you back
• Maximum claim: R2 million

Contact Details:

• Website: www.nfosa.co.za
• Phone: 0860 800 900
• Email: info@nfosa.co.za

Nedbank Money App (For Your Phone)

The Money app is for smartphones. It does most things online banking does.

Benefits:

• Bank anywhere with your phone
• Uses the same Nedbank ID
• Instant notifications for every transaction
• Can use fingerprint to log in

Cellphone Banking (*120*001#)

Works on any phone, even old phones without internet.

Dial *120*001# to check balance, buy airtime, send money.

Visit a Branch

If you’re not comfortable with online banking, you can still visit a Nedbank branch. Staff will help you.