Many businesses today are faced with the challenge of handling cash effectively. Optimising your cash-handling can often improve your business in many ways, including improved security, efficiency, management information and speed to account.
The Bank of Athens provides class leading cash management solutions for your deposit and withdrawal requirements. Our solutions range from automated onsite collection of funds through to the more traditional branch. There are three cash handling channels which can be structured in combination to ensure your unique requirements are addressed. These channels include automated onsite banking machines, cash-in-transit collection and traditional branch banking.
The optimisation of these channels for your business will be done in conjunction with your dedicated Relationship Manager. We believe strongly in the traditional value of face-to-face consultation with a highly qualified and experienced banker who knows your business.
Our automated cash handling is driven by innovative automated banking machines installed at your premises. These devices provide many advantages to your business. Not only do they assist in dealing with cash efficiently, but they also reduce the risk of holding cash at your business premises.
The extent of the device's range and technology can be customised for the size of your business and its cash requirements. Options range from single note feeders to multi high speed cash acceptors, with capacity ranges from R 50,000 to R 1,000,000.
The device is smart enough to not only count your money but also validate the authenticity of the cash accepted from your customers.
It's important to note that the negotiations and contractual arrangements with the CIT service provider remain independent of the cash handling agreement with Bank of Athens.
Our traditional cash-handling channels facilitate your cash-handling needs through cash centres and branches around the country.
These traditional channels offer you the option of banking directly at one of our sites or making use of a cash-in-transit (CIT) service provider for improved security and risk management.
To provide a full and competitive service to you, we have entered into an alliance agreement with ABSA bank. This agreement provides you with access to ABSA's network of over 700 sites around the country, allowing you to withdraw from and deposit into your Bank of Athens account throughout South Africa.
Cash deposits and withdrawals can be made via cash centres. This service is available in all major centres around the country and handles both CIT and walk-in business from Bank of Athens business banking customers. Both withdrawals and deposits can be facilitated through this channel, providing substantially improved security for customers.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Business Internet Banking takes the hassle out of banking. It frees up your time to do the important things, like running your business. It’s available when you want it, wherever you happen to be, and it puts you in control of your banking.
Banking manually can be time consuming and costly – both in time and money. Business Internet Banking is a quick, cost-effective and flexible offering that ensures you have the time you need to spend on your business.
The security of our service and of your accounts is our top priority. Our online banking site is encrypted and is accessed through your secret login number and pin.
In addition to encryption and access control, there is also user defined controls that allow limited access e.g. view only, beneficiary loading and payment submission.
Electronic banking is one of the most cost effective ways to do your banking. Viewing your balances and downloading statements are both free services. The Bank charges a monthly subscription fee once you have registered, thereafter fees are payable as you transact. All of the applicable fees can be found in our pricing guide available in the Rates and Pricing tab at the top of your page.
The Athena Payment System is specifically designed to cater for a business’ bulk / batch payment requirements.
The Bank charges a monthly subscription fee once you have registered, thereafter fees are payable as you transact. All of the applicable fees can be found in our pricing guide available Rates and Pricing tab at the top of your page.
We have a dedicated electronic banking support team that can offer assistance with training, beneficiary loading and the normal operational support matters like pin resets. Please contact your relationship manager or call us on 0861 102 205 for assistance. Alternatively, you can email us at internetbanksupport2@bankofathens.co.za
The Bank offers this product to formally guarantee payment in respect of your business’ obligations to third parties.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Attorney Trust Accounts are specifically designed for those Attorney practices that hold funds in trust for another party and ensures that these funds remain completely safe.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Your business banking transaction (cheque) account is the heart of your banking relationship. It offers a safe, convenient platform and also provides access to a wide range of additional services and products.
Perhaps the most valuable feature of your business account is the dedicated Relationship Manager assigned to provide you with support. We believe that a business banking relationship is more than just an account - it's a key component of your business. Your dedicated Relationship Manager will be able to provide comprehensive support and advice on your business' banking needs.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Many businesses today are faced with the challenge of handling cash effectively. Optimising your cash-handling can often improve your business in many ways, including improved security, efficiency, management information and speed to account.
The Bank of Athens provides class leading cash management solutions for your deposit and withdrawal requirements. Our solutions range from automated onsite collection of funds through to the more traditional branch. There are three cash handling channels which can be structured in combination to ensure your unique requirements are addressed. These channels include automated onsite banking machines, cash-in-transit collection and traditional branch banking.
The optimisation of these channels for your business will be done in conjunction with your dedicated Relationship Manager. We believe strongly in the traditional value of face-to-face consultation with a highly qualified and experienced banker who knows your business.
Our automated cash handling is driven by innovative automated banking machines installed at your premises. These devices provide many advantages to your business. Not only do they assist in dealing with cash efficiently, but they also reduce the risk of holding cash at your business premises.
The extent of the device's range and technology can be customised for the size of your business and its cash requirements. Options range from single note feeders to multi high speed cash acceptors, with capacity ranges from R 50,000 to R 1,000,000.
The device is smart enough to not only count your money but also validate the authenticity of the cash accepted from your customers.
It's important to note that the negotiations and contractual arrangements with the CIT service provider remain independent of the cash handling agreement with Bank of Athens.
Our traditional cash-handling channels facilitate your cash-handling needs through cash centres and branches around the country.
These traditional channels offer you the option of banking directly at one of our sites or making use of a cash-in-transit (CIT) service provider for improved security and risk management.
To provide a full and competitive service to you, we have entered into an alliance agreement with ABSA bank. This agreement provides you with access to ABSA's network of over 700 sites around the country, allowing you to withdraw from and deposit into your Bank of Athens account throughout South Africa.
Cash deposits and withdrawals can be made via cash centres. This service is available in all major centres around the country and handles both CIT and walk-in business from Bank of Athens business banking customers. Both withdrawals and deposits can be facilitated through this channel, providing substantially improved security for customers.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Business Internet Banking takes the hassle out of banking. It frees up your time to do the important things, like running your business. It’s available when you want it, wherever you happen to be, and it puts you in control of your banking.
Banking manually can be time consuming and costly – both in time and money. Business Internet Banking is a quick, cost-effective and flexible offering that ensures you have the time you need to spend on your business.
The security of our service and of your accounts is our top priority. Our online banking site is encrypted and is accessed through your secret login number and pin.
In addition to encryption and access control, there is also user defined controls that allow limited access e.g. view only, beneficiary loading and payment submission.
Electronic banking is one of the most cost effective ways to do your banking. Viewing your balances and downloading statements are both free services. The Bank charges a monthly subscription fee once you have registered, thereafter fees are payable as you transact. All of the applicable fees can be found in our pricing guide available in the Rates and Pricing tab at the top of your page.
The Athena Payment System is specifically designed to cater for a business’ bulk / batch payment requirements.
The Bank charges a monthly subscription fee once you have registered, thereafter fees are payable as you transact. All of the applicable fees can be found in our pricing guide available Rates and Pricing tab at the top of your page.
We have a dedicated electronic banking support team that can offer assistance with training, beneficiary loading and the normal operational support matters like pin resets. Please contact your relationship manager or call us on 0861 102 205 for assistance. Alternatively, you can email us at internetbanksupport2@bankofathens.co.za
The Bank offers this product to formally guarantee payment in respect of your business’ obligations to third parties.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Attorney Trust Accounts are specifically designed for those Attorney practices that hold funds in trust for another party and ensures that these funds remain completely safe.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Your business banking transaction (cheque) account is the heart of your banking relationship. It offers a safe, convenient platform and also provides access to a wide range of additional services and products.
Perhaps the most valuable feature of your business account is the dedicated Relationship Manager assigned to provide you with support. We believe that a business banking relationship is more than just an account - it's a key component of your business. Your dedicated Relationship Manager will be able to provide comprehensive support and advice on your business' banking needs.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Many businesses today are faced with the challenge of handling cash effectively. Optimising your cash-handling can often improve your business in many ways, including improved security, efficiency, management information and speed to account.
The Bank of Athens provides class leading cash management solutions for your deposit and withdrawal requirements. Our solutions range from automated onsite collection of funds through to the more traditional branch. There are three cash handling channels which can be structured in combination to ensure your unique requirements are addressed. These channels include automated onsite banking machines, cash-in-transit collection and traditional branch banking.
The optimisation of these channels for your business will be done in conjunction with your dedicated Relationship Manager. We believe strongly in the traditional value of face-to-face consultation with a highly qualified and experienced banker who knows your business.
Our automated cash handling is driven by innovative automated banking machines installed at your premises. These devices provide many advantages to your business. Not only do they assist in dealing with cash efficiently, but they also reduce the risk of holding cash at your business premises.
The extent of the device's range and technology can be customised for the size of your business and its cash requirements. Options range from single note feeders to multi high speed cash acceptors, with capacity ranges from R 50,000 to R 1,000,000.
The device is smart enough to not only count your money but also validate the authenticity of the cash accepted from your customers.
It's important to note that the negotiations and contractual arrangements with the CIT service provider remain independent of the cash handling agreement with Bank of Athens.
Our traditional cash-handling channels facilitate your cash-handling needs through cash centres and branches around the country.
These traditional channels offer you the option of banking directly at one of our sites or making use of a cash-in-transit (CIT) service provider for improved security and risk management.
To provide a full and competitive service to you, we have entered into an alliance agreement with ABSA bank. This agreement provides you with access to ABSA's network of over 700 sites around the country, allowing you to withdraw from and deposit into your Bank of Athens account throughout South Africa.
Cash deposits and withdrawals can be made via cash centres. This service is available in all major centres around the country and handles both CIT and walk-in business from Bank of Athens business banking customers. Both withdrawals and deposits can be facilitated through this channel, providing substantially improved security for customers.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Business Internet Banking takes the hassle out of banking. It frees up your time to do the important things, like running your business. It’s available when you want it, wherever you happen to be, and it puts you in control of your banking.
Banking manually can be time consuming and costly – both in time and money. Business Internet Banking is a quick, cost-effective and flexible offering that ensures you have the time you need to spend on your business.
The security of our service and of your accounts is our top priority. Our online banking site is encrypted and is accessed through your secret login number and pin.
In addition to encryption and access control, there is also user defined controls that allow limited access e.g. view only, beneficiary loading and payment submission.
Electronic banking is one of the most cost effective ways to do your banking. Viewing your balances and downloading statements are both free services. The Bank charges a monthly subscription fee once you have registered, thereafter fees are payable as you transact. All of the applicable fees can be found in our pricing guide available in the Rates and Pricing tab at the top of your page.
The Athena Payment System is specifically designed to cater for a business’ bulk / batch payment requirements.
The Bank charges a monthly subscription fee once you have registered, thereafter fees are payable as you transact. All of the applicable fees can be found in our pricing guide available Rates and Pricing tab at the top of your page.
We have a dedicated electronic banking support team that can offer assistance with training, beneficiary loading and the normal operational support matters like pin resets. Please contact your relationship manager or call us on 0861 102 205 for assistance. Alternatively, you can email us at internetbanksupport2@bankofathens.co.za
The Bank offers this product to formally guarantee payment in respect of your business’ obligations to third parties.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Attorney Trust Accounts are specifically designed for those Attorney practices that hold funds in trust for another party and ensures that these funds remain completely safe.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Your business banking transaction (cheque) account is the heart of your banking relationship. It offers a safe, convenient platform and also provides access to a wide range of additional services and products.
Perhaps the most valuable feature of your business account is the dedicated Relationship Manager assigned to provide you with support. We believe that a business banking relationship is more than just an account - it's a key component of your business. Your dedicated Relationship Manager will be able to provide comprehensive support and advice on your business' banking needs.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Many businesses today are faced with the challenge of handling cash effectively. Optimising your cash-handling can often improve your business in many ways, including improved security, efficiency, management information and speed to account.
The Bank of Athens provides class leading cash management solutions for your deposit and withdrawal requirements. Our solutions range from automated onsite collection of funds through to the more traditional branch. There are three cash handling channels which can be structured in combination to ensure your unique requirements are addressed. These channels include automated onsite banking machines, cash-in-transit collection and traditional branch banking.
The optimisation of these channels for your business will be done in conjunction with your dedicated Relationship Manager. We believe strongly in the traditional value of face-to-face consultation with a highly qualified and experienced banker who knows your business.
Our automated cash handling is driven by innovative automated banking machines installed at your premises. These devices provide many advantages to your business. Not only do they assist in dealing with cash efficiently, but they also reduce the risk of holding cash at your business premises.
The extent of the device's range and technology can be customised for the size of your business and its cash requirements. Options range from single note feeders to multi high speed cash acceptors, with capacity ranges from R 50,000 to R 1,000,000.
The device is smart enough to not only count your money but also validate the authenticity of the cash accepted from your customers.
It's important to note that the negotiations and contractual arrangements with the CIT service provider remain independent of the cash handling agreement with Bank of Athens.
Our traditional cash-handling channels facilitate your cash-handling needs through cash centres and branches around the country.
These traditional channels offer you the option of banking directly at one of our sites or making use of a cash-in-transit (CIT) service provider for improved security and risk management.
To provide a full and competitive service to you, we have entered into an alliance agreement with ABSA bank. This agreement provides you with access to ABSA's network of over 700 sites around the country, allowing you to withdraw from and deposit into your Bank of Athens account throughout South Africa.
Cash deposits and withdrawals can be made via cash centres. This service is available in all major centres around the country and handles both CIT and walk-in business from Bank of Athens business banking customers. Both withdrawals and deposits can be facilitated through this channel, providing substantially improved security for customers.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Business Internet Banking takes the hassle out of banking. It frees up your time to do the important things, like running your business. It’s available when you want it, wherever you happen to be, and it puts you in control of your banking.
Banking manually can be time consuming and costly – both in time and money. Business Internet Banking is a quick, cost-effective and flexible offering that ensures you have the time you need to spend on your business.
The security of our service and of your accounts is our top priority. Our online banking site is encrypted and is accessed through your secret login number and pin.
In addition to encryption and access control, there is also user defined controls that allow limited access e.g. view only, beneficiary loading and payment submission.
Electronic banking is one of the most cost effective ways to do your banking. Viewing your balances and downloading statements are both free services. The Bank charges a monthly subscription fee once you have registered, thereafter fees are payable as you transact. All of the applicable fees can be found in our pricing guide available in the Rates and Pricing tab at the top of your page.
The Athena Payment System is specifically designed to cater for a business’ bulk / batch payment requirements.
The Bank charges a monthly subscription fee once you have registered, thereafter fees are payable as you transact. All of the applicable fees can be found in our pricing guide available Rates and Pricing tab at the top of your page.
We have a dedicated electronic banking support team that can offer assistance with training, beneficiary loading and the normal operational support matters like pin resets. Please contact your relationship manager or call us on 0861 102 205 for assistance. Alternatively, you can email us at internetbanksupport2@bankofathens.co.za
The Bank offers this product to formally guarantee payment in respect of your business’ obligations to third parties.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Attorney Trust Accounts are specifically designed for those Attorney practices that hold funds in trust for another party and ensures that these funds remain completely safe.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Your business banking transaction (cheque) account is the heart of your banking relationship. It offers a safe, convenient platform and also provides access to a wide range of additional services and products.
Perhaps the most valuable feature of your business account is the dedicated Relationship Manager assigned to provide you with support. We believe that a business banking relationship is more than just an account - it's a key component of your business. Your dedicated Relationship Manager will be able to provide comprehensive support and advice on your business' banking needs.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Many businesses today are faced with the challenge of handling cash effectively. Optimising your cash-handling can often improve your business in many ways, including improved security, efficiency, management information and speed to account.
The Bank of Athens provides class leading cash management solutions for your deposit and withdrawal requirements. Our solutions range from automated onsite collection of funds through to the more traditional branch. There are three cash handling channels which can be structured in combination to ensure your unique requirements are addressed. These channels include automated onsite banking machines, cash-in-transit collection and traditional branch banking.
The optimisation of these channels for your business will be done in conjunction with your dedicated Relationship Manager. We believe strongly in the traditional value of face-to-face consultation with a highly qualified and experienced banker who knows your business.
Our automated cash handling is driven by innovative automated banking machines installed at your premises. These devices provide many advantages to your business. Not only do they assist in dealing with cash efficiently, but they also reduce the risk of holding cash at your business premises.
The extent of the device's range and technology can be customised for the size of your business and its cash requirements. Options range from single note feeders to multi high speed cash acceptors, with capacity ranges from R 50,000 to R 1,000,000.
The device is smart enough to not only count your money but also validate the authenticity of the cash accepted from your customers.
It's important to note that the negotiations and contractual arrangements with the CIT service provider remain independent of the cash handling agreement with Bank of Athens.
Our traditional cash-handling channels facilitate your cash-handling needs through cash centres and branches around the country.
These traditional channels offer you the option of banking directly at one of our sites or making use of a cash-in-transit (CIT) service provider for improved security and risk management.
To provide a full and competitive service to you, we have entered into an alliance agreement with ABSA bank. This agreement provides you with access to ABSA's network of over 700 sites around the country, allowing you to withdraw from and deposit into your Bank of Athens account throughout South Africa.
Cash deposits and withdrawals can be made via cash centres. This service is available in all major centres around the country and handles both CIT and walk-in business from Bank of Athens business banking customers. Both withdrawals and deposits can be facilitated through this channel, providing substantially improved security for customers.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Business Internet Banking takes the hassle out of banking. It frees up your time to do the important things, like running your business. It’s available when you want it, wherever you happen to be, and it puts you in control of your banking.
Banking manually can be time consuming and costly – both in time and money. Business Internet Banking is a quick, cost-effective and flexible offering that ensures you have the time you need to spend on your business.
The security of our service and of your accounts is our top priority. Our online banking site is encrypted and is accessed through your secret login number and pin.
In addition to encryption and access control, there is also user defined controls that allow limited access e.g. view only, beneficiary loading and payment submission.
Electronic banking is one of the most cost effective ways to do your banking. Viewing your balances and downloading statements are both free services. The Bank charges a monthly subscription fee once you have registered, thereafter fees are payable as you transact. All of the applicable fees can be found in our pricing guide available in the Rates and Pricing tab at the top of your page.
The Athena Payment System is specifically designed to cater for a business’ bulk / batch payment requirements.
The Bank charges a monthly subscription fee once you have registered, thereafter fees are payable as you transact. All of the applicable fees can be found in our pricing guide available Rates and Pricing tab at the top of your page.
We have a dedicated electronic banking support team that can offer assistance with training, beneficiary loading and the normal operational support matters like pin resets. Please contact your relationship manager or call us on 0861 102 205 for assistance. Alternatively, you can email us at internetbanksupport2@bankofathens.co.za
The Bank offers this product to formally guarantee payment in respect of your business’ obligations to third parties.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Attorney Trust Accounts are specifically designed for those Attorney practices that hold funds in trust for another party and ensures that these funds remain completely safe.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Working capital is the lifeblood of a successful business. We can structure an overdraft facility to meet your business needs, taking into account your unique circumstances. Once we’ve undertaken a financial analysis of your business and its needs, our banking professionals will tailor a solution to meet your cash flow requirements.
To assess your short term working capital requirements, we would need to understand your needs and your business through the following items:
Depending on the nature of your requirements, there may be a need for additional information. This would be communicated to you by your Relationship Manager, who will be on hand to support you throughout the process.
If you make use of the overdraft facility, your business will pay interest which is calculated daily and charged monthly. The interest rate is linked to the bank’s prime lending rate and is negotiated with your respective Relationship Manager.
For additional information on overdraft facility fees, please contact your relationship manager or a business development officer in your area.
For more information, please contact your Relationship Manager or contact us via our business response centre or email address.
A Commercial Loan is a medium term working capital facility used to finance a company's immediate working capital needs. If you are a new or established business that needs financing, you are probably thinking about seeking a commercial loan.
To assess your requirements, we would need to understand your needs and your business through the following items:
Depending on the nature of your requirements, there may be a need for additional information. This would be communicated to you by your Relationship Manager, who will be on hand to support you throughout the process.
Your business will pay interest which is calculated daily and charged at the end of the month. The interest rate is linked to the bank’s prime lending rate and is negotiated with your respective Relationship Manager.
For additional information on overdraft facility fees, please contact your relationship manager or a business development officer in your area.
For more information, please contact your Relationship Manager or contact us via our business response centre or email address.
As specialists in asset finance, we understand that you need equipment and machinery to keep your business wheels turning. Our goal is to help you finance movable assets that are critical for the smooth-running and growth of your enterprise.
Our experienced team can tailor-make flexible solutions to match your requirements. So whether you need a 12 ton truck, a cement mixer or a bread making machine, we can structure the ideal solution for you.
Each application for asset finance is assessed according to credit and affordability principles. In order to apply, you will need:
Depending on the nature of your requirements, there may be a need for additional information. This would be communicated to you by your Relationship Manager, who will be on hand to support you throughout the process.
Your business will pay interest which is calculated daily and charged at the end of the month. The interest rate is linked to the bank’s prime lending rate and is negotiated with your Relationship Manager.
For additional information on overdraft facility fees, please contact your relationship manager or a business development officer in your area.
For more information, please contact your Relationship Manager or contact us via our business response call centre or email address.
Commercial property is often one of the largest investment decisions a business can make. Our extensive experience in commercial property deals offers you a range of options for your business including:
We offer a medium and long term repayment program for revenue generating or owner occupied properties.
The bank will require detailed information on the property being financed. In addition the bank will assist in establishing the market value via a bank appointed professional valuator, ensuring that your initial capital is well spent. An affordability assessment will be undertaken to ensure that your monthly commitments are adequately provided for.
Depending on the nature of your requirements, there may be a need for additional information. This would be communicated to you by your Relationship Manager, who will be on hand to support you throughout the process.
Your business will pay interest which is calculated daily and charged at the end of the month. The interest rate is linked to the bank’s prime lending rate and is negotiated with your respective Relationship Manager.
For additional information on overdraft facility fees, please contact your relationship manager or a business development officer in your area.
A deposit is needed if your business only qualifies for a percentage of the loan. Interest may be earned on the deposit (if it is kept by an attorney in a trust) until the property is transferred into your name. The deposit is equity that you introduce and the amount is stated in the Offer to Purchase.
Includes "transfer duty" payable to the receiver of revenue, as well as "deeds office fee" and "administrative fee" payable to the transferring attorney. Be aware that transfer duty is not to be paid if the transaction involves a VAT registered party. The deeds and admin fee is however payable on a VAT transaction.
Consists of the fee payable by you (the purchaser of a property) to a conveyancer (also called a transferring attorney) attending to the registration of a bond over the property in favour of the bank. This fee consists of stamp duty and VAT (as prescribed by law), registration costs (also called conveyancing fees) payable to the transferring (conveyancing) attorney for services rendered as well as bond costs payable to the Deeds Office for the registration of the bond amount.
Bank assessors carry out a valuation and a fee is charged (payable to the bank), also known as security assessment fee.
For more information, please contact your Relationship Manager or contact us via our business response centre or email address.
At the Bank of Athens, we have been providing mortgage finance for more than 60 years. We understand that mortgages play a significant role for the business owner – whether it’s to finance your own property, make a property investment or leverage a property for collateral to finance your business.
Our Relationship Managers, backed by a highly experienced credit team, will structure a deal according to your needs and will assist you throughout the process.
As always, information will be needed on the property being financed. In addition, an affordability assessment will be undertaken to ensure that your monthly commitments are adequately provided for.
Depending on the nature of your requirements, there may be a need for additional information. This would be communicated to you by your Relationship Manager, who will be on hand to support you throughout the process.
You will pay interest which is calculated daily and charged at the end of the month. The interest rate is linked to the bank’s prime lending rate and is negotiated with your respective relationship manager.
For additional information on overdraft facility fees, please contact your relationship manager or a business development officer in your area.
A deposit is needed if you or your business only qualifies for a percentage of the loan. Interest can be earned on the deposit (if it is kept by an attorney in a trust) until the property is transferred into your name. The deposit is equity that you introduce and the amount is stated in the Offer to Purchase.
Includes "transfer duty" payable to the receiver of revenue, as well as "deeds office fee" and "administrative fee" payable to the transferring attorney. Be aware that transfer duty is not to be paid if the transaction involves a VAT registered party. The deeds and admin fee is payable on a VAT transaction.
Consists of the fee payable by you (the purchaser of a property) to a conveyance (also called a transferring attorney) attending to the registration of a bond over the property in favour of the bank. This fee consists of stamp duty and VAT (as prescribed by law), registration costs (also called conveyancing fees) payable to the transferring (conveyancing) attorney for services rendered as well as bond costs payable to the Deeds Office for the registration of the bond amount.
Bank assessors carry out valuation and a fee is charged and payable to the bank, also known as security assessment fee.
For more information, please contact your Relationship Manager or contact us via our business response centre or email address.
Working capital is the lifeblood of a successful business. We can structure an overdraft facility to meet your business needs, taking into account your unique circumstances. Once we’ve undertaken a financial analysis of your business and its needs, our banking professionals will tailor a solution to meet your cash flow requirements.
To assess your short term working capital requirements, we would need to understand your needs and your business through the following items:
Depending on the nature of your requirements, there may be a need for additional information. This would be communicated to you by your Relationship Manager, who will be on hand to support you throughout the process.
If you make use of the overdraft facility, your business will pay interest which is calculated daily and charged monthly. The interest rate is linked to the bank’s prime lending rate and is negotiated with your respective Relationship Manager.
For additional information on overdraft facility fees, please contact your relationship manager or a business development officer in your area.
For more information, please contact your Relationship Manager or contact us via our business response centre or email address.
A Commercial Loan is a medium term working capital facility used to finance a company's immediate working capital needs. If you are a new or established business that needs financing, you are probably thinking about seeking a commercial loan.
To assess your requirements, we would need to understand your needs and your business through the following items:
Depending on the nature of your requirements, there may be a need for additional information. This would be communicated to you by your Relationship Manager, who will be on hand to support you throughout the process.
Your business will pay interest which is calculated daily and charged at the end of the month. The interest rate is linked to the bank’s prime lending rate and is negotiated with your respective Relationship Manager.
For additional information on overdraft facility fees, please contact your relationship manager or a business development officer in your area.
For more information, please contact your Relationship Manager or contact us via our business response centre or email address.
As specialists in asset finance, we understand that you need equipment and machinery to keep your business wheels turning. Our goal is to help you finance movable assets that are critical for the smooth-running and growth of your enterprise.
Our experienced team can tailor-make flexible solutions to match your requirements. So whether you need a 12 ton truck, a cement mixer or a bread making machine, we can structure the ideal solution for you.
Each application for asset finance is assessed according to credit and affordability principles. In order to apply, you will need:
Depending on the nature of your requirements, there may be a need for additional information. This would be communicated to you by your Relationship Manager, who will be on hand to support you throughout the process.
Your business will pay interest which is calculated daily and charged at the end of the month. The interest rate is linked to the bank’s prime lending rate and is negotiated with your Relationship Manager.
For additional information on overdraft facility fees, please contact your relationship manager or a business development officer in your area.
For more information, please contact your Relationship Manager or contact us via our business response call centre or email address.
Commercial property is often one of the largest investment decisions a business can make. Our extensive experience in commercial property deals offers you a range of options for your business including:
We offer a medium and long term repayment program for revenue generating or owner occupied properties.
The bank will require detailed information on the property being financed. In addition the bank will assist in establishing the market value via a bank appointed professional valuator, ensuring that your initial capital is well spent. An affordability assessment will be undertaken to ensure that your monthly commitments are adequately provided for.
Depending on the nature of your requirements, there may be a need for additional information. This would be communicated to you by your Relationship Manager, who will be on hand to support you throughout the process.
Your business will pay interest which is calculated daily and charged at the end of the month. The interest rate is linked to the bank’s prime lending rate and is negotiated with your respective Relationship Manager.
For additional information on overdraft facility fees, please contact your relationship manager or a business development officer in your area.
A deposit is needed if your business only qualifies for a percentage of the loan. Interest may be earned on the deposit (if it is kept by an attorney in a trust) until the property is transferred into your name. The deposit is equity that you introduce and the amount is stated in the Offer to Purchase.
Includes "transfer duty" payable to the receiver of revenue, as well as "deeds office fee" and "administrative fee" payable to the transferring attorney. Be aware that transfer duty is not to be paid if the transaction involves a VAT registered party. The deeds and admin fee is however payable on a VAT transaction.
Consists of the fee payable by you (the purchaser of a property) to a conveyancer (also called a transferring attorney) attending to the registration of a bond over the property in favour of the bank. This fee consists of stamp duty and VAT (as prescribed by law), registration costs (also called conveyancing fees) payable to the transferring (conveyancing) attorney for services rendered as well as bond costs payable to the Deeds Office for the registration of the bond amount.
Bank assessors carry out a valuation and a fee is charged (payable to the bank), also known as security assessment fee.
For more information, please contact your Relationship Manager or contact us via our business response centre or email address.
At the Bank of Athens, we have been providing mortgage finance for more than 60 years. We understand that mortgages play a significant role for the business owner – whether it’s to finance your own property, make a property investment or leverage a property for collateral to finance your business.
Our Relationship Managers, backed by a highly experienced credit team, will structure a deal according to your needs and will assist you throughout the process.
As always, information will be needed on the property being financed. In addition, an affordability assessment will be undertaken to ensure that your monthly commitments are adequately provided for.
Depending on the nature of your requirements, there may be a need for additional information. This would be communicated to you by your Relationship Manager, who will be on hand to support you throughout the process.
You will pay interest which is calculated daily and charged at the end of the month. The interest rate is linked to the bank’s prime lending rate and is negotiated with your respective relationship manager.
For additional information on overdraft facility fees, please contact your relationship manager or a business development officer in your area.
A deposit is needed if you or your business only qualifies for a percentage of the loan. Interest can be earned on the deposit (if it is kept by an attorney in a trust) until the property is transferred into your name. The deposit is equity that you introduce and the amount is stated in the Offer to Purchase.
Includes "transfer duty" payable to the receiver of revenue, as well as "deeds office fee" and "administrative fee" payable to the transferring attorney. Be aware that transfer duty is not to be paid if the transaction involves a VAT registered party. The deeds and admin fee is payable on a VAT transaction.
Consists of the fee payable by you (the purchaser of a property) to a conveyance (also called a transferring attorney) attending to the registration of a bond over the property in favour of the bank. This fee consists of stamp duty and VAT (as prescribed by law), registration costs (also called conveyancing fees) payable to the transferring (conveyancing) attorney for services rendered as well as bond costs payable to the Deeds Office for the registration of the bond amount.
Bank assessors carry out valuation and a fee is charged and payable to the bank, also known as security assessment fee.
For more information, please contact your Relationship Manager or contact us via our business response centre or email address.
Working capital is the lifeblood of a successful business. We can structure an overdraft facility to meet your business needs, taking into account your unique circumstances. Once we’ve undertaken a financial analysis of your business and its needs, our banking professionals will tailor a solution to meet your cash flow requirements.
To assess your short term working capital requirements, we would need to understand your needs and your business through the following items:
Depending on the nature of your requirements, there may be a need for additional information. This would be communicated to you by your Relationship Manager, who will be on hand to support you throughout the process.
If you make use of the overdraft facility, your business will pay interest which is calculated daily and charged monthly. The interest rate is linked to the bank’s prime lending rate and is negotiated with your respective Relationship Manager.
For additional information on overdraft facility fees, please contact your relationship manager or a business development officer in your area.
For more information, please contact your Relationship Manager or contact us via our business response centre or email address.
A Commercial Loan is a medium term working capital facility used to finance a company's immediate working capital needs. If you are a new or established business that needs financing, you are probably thinking about seeking a commercial loan.
To assess your requirements, we would need to understand your needs and your business through the following items:
Depending on the nature of your requirements, there may be a need for additional information. This would be communicated to you by your Relationship Manager, who will be on hand to support you throughout the process.
Your business will pay interest which is calculated daily and charged at the end of the month. The interest rate is linked to the bank’s prime lending rate and is negotiated with your respective Relationship Manager.
For additional information on overdraft facility fees, please contact your relationship manager or a business development officer in your area.
For more information, please contact your Relationship Manager or contact us via our business response centre or email address.
As specialists in asset finance, we understand that you need equipment and machinery to keep your business wheels turning. Our goal is to help you finance movable assets that are critical for the smooth-running and growth of your enterprise.
Our experienced team can tailor-make flexible solutions to match your requirements. So whether you need a 12 ton truck, a cement mixer or a bread making machine, we can structure the ideal solution for you.
Each application for asset finance is assessed according to credit and affordability principles. In order to apply, you will need:
Depending on the nature of your requirements, there may be a need for additional information. This would be communicated to you by your Relationship Manager, who will be on hand to support you throughout the process.
Your business will pay interest which is calculated daily and charged at the end of the month. The interest rate is linked to the bank’s prime lending rate and is negotiated with your Relationship Manager.
For additional information on overdraft facility fees, please contact your relationship manager or a business development officer in your area.
For more information, please contact your Relationship Manager or contact us via our business response call centre or email address.
Commercial property is often one of the largest investment decisions a business can make. Our extensive experience in commercial property deals offers you a range of options for your business including:
We offer a medium and long term repayment program for revenue generating or owner occupied properties.
The bank will require detailed information on the property being financed. In addition the bank will assist in establishing the market value via a bank appointed professional valuator, ensuring that your initial capital is well spent. An affordability assessment will be undertaken to ensure that your monthly commitments are adequately provided for.
Depending on the nature of your requirements, there may be a need for additional information. This would be communicated to you by your Relationship Manager, who will be on hand to support you throughout the process.
Your business will pay interest which is calculated daily and charged at the end of the month. The interest rate is linked to the bank’s prime lending rate and is negotiated with your respective Relationship Manager.
For additional information on overdraft facility fees, please contact your relationship manager or a business development officer in your area.
A deposit is needed if your business only qualifies for a percentage of the loan. Interest may be earned on the deposit (if it is kept by an attorney in a trust) until the property is transferred into your name. The deposit is equity that you introduce and the amount is stated in the Offer to Purchase.
Includes "transfer duty" payable to the receiver of revenue, as well as "deeds office fee" and "administrative fee" payable to the transferring attorney. Be aware that transfer duty is not to be paid if the transaction involves a VAT registered party. The deeds and admin fee is however payable on a VAT transaction.
Consists of the fee payable by you (the purchaser of a property) to a conveyancer (also called a transferring attorney) attending to the registration of a bond over the property in favour of the bank. This fee consists of stamp duty and VAT (as prescribed by law), registration costs (also called conveyancing fees) payable to the transferring (conveyancing) attorney for services rendered as well as bond costs payable to the Deeds Office for the registration of the bond amount.
Bank assessors carry out a valuation and a fee is charged (payable to the bank), also known as security assessment fee.
For more information, please contact your Relationship Manager or contact us via our business response centre or email address.
At the Bank of Athens, we have been providing mortgage finance for more than 60 years. We understand that mortgages play a significant role for the business owner – whether it’s to finance your own property, make a property investment or leverage a property for collateral to finance your business.
Our Relationship Managers, backed by a highly experienced credit team, will structure a deal according to your needs and will assist you throughout the process.
As always, information will be needed on the property being financed. In addition, an affordability assessment will be undertaken to ensure that your monthly commitments are adequately provided for.
Depending on the nature of your requirements, there may be a need for additional information. This would be communicated to you by your Relationship Manager, who will be on hand to support you throughout the process.
You will pay interest which is calculated daily and charged at the end of the month. The interest rate is linked to the bank’s prime lending rate and is negotiated with your respective relationship manager.
For additional information on overdraft facility fees, please contact your relationship manager or a business development officer in your area.
A deposit is needed if you or your business only qualifies for a percentage of the loan. Interest can be earned on the deposit (if it is kept by an attorney in a trust) until the property is transferred into your name. The deposit is equity that you introduce and the amount is stated in the Offer to Purchase.
Includes "transfer duty" payable to the receiver of revenue, as well as "deeds office fee" and "administrative fee" payable to the transferring attorney. Be aware that transfer duty is not to be paid if the transaction involves a VAT registered party. The deeds and admin fee is payable on a VAT transaction.
Consists of the fee payable by you (the purchaser of a property) to a conveyance (also called a transferring attorney) attending to the registration of a bond over the property in favour of the bank. This fee consists of stamp duty and VAT (as prescribed by law), registration costs (also called conveyancing fees) payable to the transferring (conveyancing) attorney for services rendered as well as bond costs payable to the Deeds Office for the registration of the bond amount.
Bank assessors carry out valuation and a fee is charged and payable to the bank, also known as security assessment fee.
For more information, please contact your Relationship Manager or contact us via our business response centre or email address.
The Bank of Athens offers a comprehensive range of investment products coupled with highly competitive interest rates. Whether you are looking for greater rewards, an income from your investment or expert advice, our Relationship Managers, backed by a highly experienced Treasury team, will assist you through the investment process.
Planned correctly, an investment account will make your money available to you when you need it and earn interest for you at a competitive rate during the selected investment period. Generally, the longer the term for which you invest, the greater the interest your money will earn.
Should you or your business need to borrow money at any time you could pledge your investment account as security.
Bank of Athens offers you various investment accounts: savings, call, notice and fixed deposits.
A call / savings account gives you the option to make a deposit and withdraw your money on demand. This call account is suitable for a business and an individual and can be accessed through the Internet.
Bank statements are produced bi-annually and no service fees are levied.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Notice Accounts provide an investment option that makes your money available to you, at an agreed number of days after you give the required written notice to withdraw.
Interest rates depend partly on the notice period you select when you open the account, either 32, 60, or 88 days. In addition, the interest rate varies from time to time with movements in the money market.
You may choose to capitalise your interest earned monthly or it can be paid out to a nominated account.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Fixed deposits allow you to invest your money for a predetermined period, either 6, 9, 12 or 24 months. Interest rate is fixed for the entire period of your investment. On maturity date your investment, with interest, will automatically be paid to a non-interest bearing account.
You have the flexible option of interest being payable monthly, quarterly or six-monthly.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
The Bank of Athens offers a comprehensive range of investment products coupled with highly competitive interest rates. Whether you are looking for greater rewards, an income from your investment or expert advice, our Relationship Managers, backed by a highly experienced Treasury team, will assist you through the investment process.
Planned correctly, an investment account will make your money available to you when you need it and earn interest for you at a competitive rate during the selected investment period. Generally, the longer the term for which you invest, the greater the interest your money will earn.
Should you or your business need to borrow money at any time you could pledge your investment account as security.
Bank of Athens offers you various investment accounts: savings, call, notice and fixed deposits.
A call / savings account gives you the option to make a deposit and withdraw your money on demand. This call account is suitable for a business and an individual and can be accessed through the Internet.
Bank statements are produced bi-annually and no service fees are levied.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Notice Accounts provide an investment option that makes your money available to you, at an agreed number of days after you give the required written notice to withdraw.
Interest rates depend partly on the notice period you select when you open the account, either 32, 60, or 88 days. In addition, the interest rate varies from time to time with movements in the money market.
You may choose to capitalise your interest earned monthly or it can be paid out to a nominated account.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Fixed deposits allow you to invest your money for a predetermined period, either 6, 9, 12 or 24 months. Interest rate is fixed for the entire period of your investment. On maturity date your investment, with interest, will automatically be paid to a non-interest bearing account.
You have the flexible option of interest being payable monthly, quarterly or six-monthly.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
The Bank of Athens offers a comprehensive range of investment products coupled with highly competitive interest rates. Whether you are looking for greater rewards, an income from your investment or expert advice, our Relationship Managers, backed by a highly experienced Treasury team, will assist you through the investment process.
Planned correctly, an investment account will make your money available to you when you need it and earn interest for you at a competitive rate during the selected investment period. Generally, the longer the term for which you invest, the greater the interest your money will earn.
Should you or your business need to borrow money at any time you could pledge your investment account as security.
Bank of Athens offers you various investment accounts: savings, call, notice and fixed deposits.
A call / savings account gives you the option to make a deposit and withdraw your money on demand. This call account is suitable for a business and an individual and can be accessed through the Internet.
Bank statements are produced bi-annually and no service fees are levied.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Notice Accounts provide an investment option that makes your money available to you, at an agreed number of days after you give the required written notice to withdraw.
Interest rates depend partly on the notice period you select when you open the account, either 32, 60, or 88 days. In addition, the interest rate varies from time to time with movements in the money market.
You may choose to capitalise your interest earned monthly or it can be paid out to a nominated account.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Fixed deposits allow you to invest your money for a predetermined period, either 6, 9, 12 or 24 months. Interest rate is fixed for the entire period of your investment. On maturity date your investment, with interest, will automatically be paid to a non-interest bearing account.
You have the flexible option of interest being payable monthly, quarterly or six-monthly.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
The Bank of Athens offers a comprehensive range of investment products coupled with highly competitive interest rates. Whether you are looking for greater rewards, an income from your investment or expert advice, our Relationship Managers, backed by a highly experienced Treasury team, will assist you through the investment process.
Planned correctly, an investment account will make your money available to you when you need it and earn interest for you at a competitive rate during the selected investment period. Generally, the longer the term for which you invest, the greater the interest your money will earn.
Should you or your business need to borrow money at any time you could pledge your investment account as security.
Bank of Athens offers you various investment accounts: savings, call, notice and fixed deposits.
A call / savings account gives you the option to make a deposit and withdraw your money on demand. This call account is suitable for a business and an individual and can be accessed through the Internet.
Bank statements are produced bi-annually and no service fees are levied.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Notice Accounts provide an investment option that makes your money available to you, at an agreed number of days after you give the required written notice to withdraw.
Interest rates depend partly on the notice period you select when you open the account, either 32, 60, or 88 days. In addition, the interest rate varies from time to time with movements in the money market.
You may choose to capitalise your interest earned monthly or it can be paid out to a nominated account.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Fixed deposits allow you to invest your money for a predetermined period, either 6, 9, 12 or 24 months. Interest rate is fixed for the entire period of your investment. On maturity date your investment, with interest, will automatically be paid to a non-interest bearing account.
You have the flexible option of interest being payable monthly, quarterly or six-monthly.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
There are countless reasons why you might need quick, competent and economical foreign exchange services. When you do, your best answer is always to come to Bank of Athens. Not only do we offer you every foreign exchange service you are likely to need, we also promise you competitive rates. Furthermore, Bank of Athens delivers premium same-day service.
Foreign exchange regulations are complex and the Reserve Bank imposes severe penalties on people who fall foul of them. You need up-to-date and trustworthy advice on how to stay within the law. Since exchange rates are always fluctuating, you need to know you can trust your foreign exchange provider to get the best rates for you and direct you towards the most suitable mechanisms. These are additional reasons why you should choose Bank of Athens. We adopt a highly ethical approach to foreign exchange matters and our goal is to retain you as a satisfied customer.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Rules and regulations govern all foreign exchange transactions in South Africa and the Exchange Control Department of the Reserve Bank oversees local banks’ compliance in this regard. Bank of Athens is an authorised foreign exchange dealer, which means you can rely on us to help you comply with regulations and take care of any special requests.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Should you decide to utilise your offshore investment allowance to broaden your investment exposure, Bank of Athens will remit your SARS/Exchange Control approved offshore allowance to any major country of your choice.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
If you require an account that is denominated in a foreign currency, we will be pleased to open one for you in accordance with the ruling exchange control rules and regulations. Your money will earn interest at the market rates applying to the denominated currency.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Provided you have a firm and ascertainable commitment to pay for imports or receive funds for exports, Bank of Athens can arrange forward cover thereby protecting you from adverse exchange rate fluctuations.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
If you want to take advantage of import/export opportunities, you may wish to make use of letters of credit. When a supplier concludes a cross border deal with a buyer and wishes to make sure the buyer can pay for the purchase, the supplier normally asks for such a letter, which is a banker’s guarantee that payment will be made. Bank of Athens will be pleased to assist you with letters of credit whether you need to issue or accept them.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
These bills for collection do not guarantee payment as would a Letter of Credit, but they do offer some protection. We will be happy to tell you more about this product.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
We can settle your open account foreign payment to suppliers in any country in the world in all major currencies; we can likewise receive funds from any of your offshore counterparties in for the credit of your account in our books or at any other local bank.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
There are countless reasons why you might need quick, competent and economical foreign exchange services. When you do, your best answer is always to come to Bank of Athens. Not only do we offer you every foreign exchange service you are likely to need, we also promise you competitive rates. Furthermore, Bank of Athens delivers premium same-day service.
Foreign exchange regulations are complex and the Reserve Bank imposes severe penalties on people who fall foul of them. You need up-to-date and trustworthy advice on how to stay within the law. Since exchange rates are always fluctuating, you need to know you can trust your foreign exchange provider to get the best rates for you and direct you towards the most suitable mechanisms. These are additional reasons why you should choose Bank of Athens. We adopt a highly ethical approach to foreign exchange matters and our goal is to retain you as a satisfied customer.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Rules and regulations govern all foreign exchange transactions in South Africa and the Exchange Control Department of the Reserve Bank oversees local banks’ compliance in this regard. Bank of Athens is an authorised foreign exchange dealer, which means you can rely on us to help you comply with regulations and take care of any special requests.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Should you decide to utilise your offshore investment allowance to broaden your investment exposure, Bank of Athens will remit your SARS/Exchange Control approved offshore allowance to any major country of your choice.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
If you require an account that is denominated in a foreign currency, we will be pleased to open one for you in accordance with the ruling exchange control rules and regulations. Your money will earn interest at the market rates applying to the denominated currency.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Provided you have a firm and ascertainable commitment to pay for imports or receive funds for exports, Bank of Athens can arrange forward cover thereby protecting you from adverse exchange rate fluctuations.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
If you want to take advantage of import/export opportunities, you may wish to make use of letters of credit. When a supplier concludes a cross border deal with a buyer and wishes to make sure the buyer can pay for the purchase, the supplier normally asks for such a letter, which is a banker’s guarantee that payment will be made. Bank of Athens will be pleased to assist you with letters of credit whether you need to issue or accept them.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
These bills for collection do not guarantee payment as would a Letter of Credit, but they do offer some protection. We will be happy to tell you more about this product.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
We can settle your open account foreign payment to suppliers in any country in the world in all major currencies; we can likewise receive funds from any of your offshore counterparties in for the credit of your account in our books or at any other local bank.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
There are countless reasons why you might need quick, competent and economical foreign exchange services. When you do, your best answer is always to come to Bank of Athens. Not only do we offer you every foreign exchange service you are likely to need, we also promise you competitive rates. Furthermore, Bank of Athens delivers premium same-day service.
Foreign exchange regulations are complex and the Reserve Bank imposes severe penalties on people who fall foul of them. You need up-to-date and trustworthy advice on how to stay within the law. Since exchange rates are always fluctuating, you need to know you can trust your foreign exchange provider to get the best rates for you and direct you towards the most suitable mechanisms. These are additional reasons why you should choose Bank of Athens. We adopt a highly ethical approach to foreign exchange matters and our goal is to retain you as a satisfied customer.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Rules and regulations govern all foreign exchange transactions in South Africa and the Exchange Control Department of the Reserve Bank oversees local banks’ compliance in this regard. Bank of Athens is an authorised foreign exchange dealer, which means you can rely on us to help you comply with regulations and take care of any special requests.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Should you decide to utilise your offshore investment allowance to broaden your investment exposure, Bank of Athens will remit your SARS/Exchange Control approved offshore allowance to any major country of your choice.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
If you require an account that is denominated in a foreign currency, we will be pleased to open one for you in accordance with the ruling exchange control rules and regulations. Your money will earn interest at the market rates applying to the denominated currency.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Provided you have a firm and ascertainable commitment to pay for imports or receive funds for exports, Bank of Athens can arrange forward cover thereby protecting you from adverse exchange rate fluctuations.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
If you want to take advantage of import/export opportunities, you may wish to make use of letters of credit. When a supplier concludes a cross border deal with a buyer and wishes to make sure the buyer can pay for the purchase, the supplier normally asks for such a letter, which is a banker’s guarantee that payment will be made. Bank of Athens will be pleased to assist you with letters of credit whether you need to issue or accept them.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
These bills for collection do not guarantee payment as would a Letter of Credit, but they do offer some protection. We will be happy to tell you more about this product.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
We can settle your open account foreign payment to suppliers in any country in the world in all major currencies; we can likewise receive funds from any of your offshore counterparties in for the credit of your account in our books or at any other local bank.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
There are countless reasons why you might need quick, competent and economical foreign exchange services. When you do, your best answer is always to come to Bank of Athens. Not only do we offer you every foreign exchange service you are likely to need, we also promise you competitive rates. Furthermore, Bank of Athens delivers premium same-day service.
Foreign exchange regulations are complex and the Reserve Bank imposes severe penalties on people who fall foul of them. You need up-to-date and trustworthy advice on how to stay within the law. Since exchange rates are always fluctuating, you need to know you can trust your foreign exchange provider to get the best rates for you and direct you towards the most suitable mechanisms. These are additional reasons why you should choose Bank of Athens. We adopt a highly ethical approach to foreign exchange matters and our goal is to retain you as a satisfied customer.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Rules and regulations govern all foreign exchange transactions in South Africa and the Exchange Control Department of the Reserve Bank oversees local banks’ compliance in this regard. Bank of Athens is an authorised foreign exchange dealer, which means you can rely on us to help you comply with regulations and take care of any special requests.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Should you decide to utilise your offshore investment allowance to broaden your investment exposure, Bank of Athens will remit your SARS/Exchange Control approved offshore allowance to any major country of your choice.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
If you require an account that is denominated in a foreign currency, we will be pleased to open one for you in accordance with the ruling exchange control rules and regulations. Your money will earn interest at the market rates applying to the denominated currency.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Provided you have a firm and ascertainable commitment to pay for imports or receive funds for exports, Bank of Athens can arrange forward cover thereby protecting you from adverse exchange rate fluctuations.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
If you want to take advantage of import/export opportunities, you may wish to make use of letters of credit. When a supplier concludes a cross border deal with a buyer and wishes to make sure the buyer can pay for the purchase, the supplier normally asks for such a letter, which is a banker’s guarantee that payment will be made. Bank of Athens will be pleased to assist you with letters of credit whether you need to issue or accept them.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
These bills for collection do not guarantee payment as would a Letter of Credit, but they do offer some protection. We will be happy to tell you more about this product.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
We can settle your open account foreign payment to suppliers in any country in the world in all major currencies; we can likewise receive funds from any of your offshore counterparties in for the credit of your account in our books or at any other local bank.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
There are countless reasons why you might need quick, competent and economical foreign exchange services. When you do, your best answer is always to come to Bank of Athens. Not only do we offer you every foreign exchange service you are likely to need, we also promise you competitive rates. Furthermore, Bank of Athens delivers premium same-day service.
Foreign exchange regulations are complex and the Reserve Bank imposes severe penalties on people who fall foul of them. You need up-to-date and trustworthy advice on how to stay within the law. Since exchange rates are always fluctuating, you need to know you can trust your foreign exchange provider to get the best rates for you and direct you towards the most suitable mechanisms. These are additional reasons why you should choose Bank of Athens. We adopt a highly ethical approach to foreign exchange matters and our goal is to retain you as a satisfied customer.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Rules and regulations govern all foreign exchange transactions in South Africa and the Exchange Control Department of the Reserve Bank oversees local banks’ compliance in this regard. Bank of Athens is an authorised foreign exchange dealer, which means you can rely on us to help you comply with regulations and take care of any special requests.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Should you decide to utilise your offshore investment allowance to broaden your investment exposure, Bank of Athens will remit your SARS/Exchange Control approved offshore allowance to any major country of your choice.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
If you require an account that is denominated in a foreign currency, we will be pleased to open one for you in accordance with the ruling exchange control rules and regulations. Your money will earn interest at the market rates applying to the denominated currency.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Provided you have a firm and ascertainable commitment to pay for imports or receive funds for exports, Bank of Athens can arrange forward cover thereby protecting you from adverse exchange rate fluctuations.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
If you want to take advantage of import/export opportunities, you may wish to make use of letters of credit. When a supplier concludes a cross border deal with a buyer and wishes to make sure the buyer can pay for the purchase, the supplier normally asks for such a letter, which is a banker’s guarantee that payment will be made. Bank of Athens will be pleased to assist you with letters of credit whether you need to issue or accept them.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
These bills for collection do not guarantee payment as would a Letter of Credit, but they do offer some protection. We will be happy to tell you more about this product.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
We can settle your open account foreign payment to suppliers in any country in the world in all major currencies; we can likewise receive funds from any of your offshore counterparties in for the credit of your account in our books or at any other local bank.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
There are countless reasons why you might need quick, competent and economical foreign exchange services. When you do, your best answer is always to come to Bank of Athens. Not only do we offer you every foreign exchange service you are likely to need, we also promise you competitive rates. Furthermore, Bank of Athens delivers premium same-day service.
Foreign exchange regulations are complex and the Reserve Bank imposes severe penalties on people who fall foul of them. You need up-to-date and trustworthy advice on how to stay within the law. Since exchange rates are always fluctuating, you need to know you can trust your foreign exchange provider to get the best rates for you and direct you towards the most suitable mechanisms. These are additional reasons why you should choose Bank of Athens. We adopt a highly ethical approach to foreign exchange matters and our goal is to retain you as a satisfied customer.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Rules and regulations govern all foreign exchange transactions in South Africa and the Exchange Control Department of the Reserve Bank oversees local banks’ compliance in this regard. Bank of Athens is an authorised foreign exchange dealer, which means you can rely on us to help you comply with regulations and take care of any special requests.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Should you decide to utilise your offshore investment allowance to broaden your investment exposure, Bank of Athens will remit your SARS/Exchange Control approved offshore allowance to any major country of your choice.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
If you require an account that is denominated in a foreign currency, we will be pleased to open one for you in accordance with the ruling exchange control rules and regulations. Your money will earn interest at the market rates applying to the denominated currency.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Provided you have a firm and ascertainable commitment to pay for imports or receive funds for exports, Bank of Athens can arrange forward cover thereby protecting you from adverse exchange rate fluctuations.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
If you want to take advantage of import/export opportunities, you may wish to make use of letters of credit. When a supplier concludes a cross border deal with a buyer and wishes to make sure the buyer can pay for the purchase, the supplier normally asks for such a letter, which is a banker’s guarantee that payment will be made. Bank of Athens will be pleased to assist you with letters of credit whether you need to issue or accept them.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
These bills for collection do not guarantee payment as would a Letter of Credit, but they do offer some protection. We will be happy to tell you more about this product.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
We can settle your open account foreign payment to suppliers in any country in the world in all major currencies; we can likewise receive funds from any of your offshore counterparties in for the credit of your account in our books or at any other local bank.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
There are countless reasons why you might need quick, competent and economical foreign exchange services. When you do, your best answer is always to come to Bank of Athens. Not only do we offer you every foreign exchange service you are likely to need, we also promise you competitive rates. Furthermore, Bank of Athens delivers premium same-day service.
Foreign exchange regulations are complex and the Reserve Bank imposes severe penalties on people who fall foul of them. You need up-to-date and trustworthy advice on how to stay within the law. Since exchange rates are always fluctuating, you need to know you can trust your foreign exchange provider to get the best rates for you and direct you towards the most suitable mechanisms. These are additional reasons why you should choose Bank of Athens. We adopt a highly ethical approach to foreign exchange matters and our goal is to retain you as a satisfied customer.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Rules and regulations govern all foreign exchange transactions in South Africa and the Exchange Control Department of the Reserve Bank oversees local banks’ compliance in this regard. Bank of Athens is an authorised foreign exchange dealer, which means you can rely on us to help you comply with regulations and take care of any special requests.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Should you decide to utilise your offshore investment allowance to broaden your investment exposure, Bank of Athens will remit your SARS/Exchange Control approved offshore allowance to any major country of your choice.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
If you require an account that is denominated in a foreign currency, we will be pleased to open one for you in accordance with the ruling exchange control rules and regulations. Your money will earn interest at the market rates applying to the denominated currency.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Provided you have a firm and ascertainable commitment to pay for imports or receive funds for exports, Bank of Athens can arrange forward cover thereby protecting you from adverse exchange rate fluctuations.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
If you want to take advantage of import/export opportunities, you may wish to make use of letters of credit. When a supplier concludes a cross border deal with a buyer and wishes to make sure the buyer can pay for the purchase, the supplier normally asks for such a letter, which is a banker’s guarantee that payment will be made. Bank of Athens will be pleased to assist you with letters of credit whether you need to issue or accept them.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
These bills for collection do not guarantee payment as would a Letter of Credit, but they do offer some protection. We will be happy to tell you more about this product.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
We can settle your open account foreign payment to suppliers in any country in the world in all major currencies; we can likewise receive funds from any of your offshore counterparties in for the credit of your account in our books or at any other local bank.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
There are countless reasons why you might need quick, competent and economical foreign exchange services. When you do, your best answer is always to come to Bank of Athens. Not only do we offer you every foreign exchange service you are likely to need, we also promise you competitive rates. Furthermore, Bank of Athens delivers premium same-day service.
Foreign exchange regulations are complex and the Reserve Bank imposes severe penalties on people who fall foul of them. You need up-to-date and trustworthy advice on how to stay within the law. Since exchange rates are always fluctuating, you need to know you can trust your foreign exchange provider to get the best rates for you and direct you towards the most suitable mechanisms. These are additional reasons why you should choose Bank of Athens. We adopt a highly ethical approach to foreign exchange matters and our goal is to retain you as a satisfied customer.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Rules and regulations govern all foreign exchange transactions in South Africa and the Exchange Control Department of the Reserve Bank oversees local banks’ compliance in this regard. Bank of Athens is an authorised foreign exchange dealer, which means you can rely on us to help you comply with regulations and take care of any special requests.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Should you decide to utilise your offshore investment allowance to broaden your investment exposure, Bank of Athens will remit your SARS/Exchange Control approved offshore allowance to any major country of your choice.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
If you require an account that is denominated in a foreign currency, we will be pleased to open one for you in accordance with the ruling exchange control rules and regulations. Your money will earn interest at the market rates applying to the denominated currency.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
Provided you have a firm and ascertainable commitment to pay for imports or receive funds for exports, Bank of Athens can arrange forward cover thereby protecting you from adverse exchange rate fluctuations.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
If you want to take advantage of import/export opportunities, you may wish to make use of letters of credit. When a supplier concludes a cross border deal with a buyer and wishes to make sure the buyer can pay for the purchase, the supplier normally asks for such a letter, which is a banker’s guarantee that payment will be made. Bank of Athens will be pleased to assist you with letters of credit whether you need to issue or accept them.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
These bills for collection do not guarantee payment as would a Letter of Credit, but they do offer some protection. We will be happy to tell you more about this product.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
We can settle your open account foreign payment to suppliers in any country in the world in all major currencies; we can likewise receive funds from any of your offshore counterparties in for the credit of your account in our books or at any other local bank.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.
The South African Bank of Athens Limited is focused on delivering world class banking services to the medium-sized business market in South Africa.
A truly South African bank, it was established and has been operating in this country since 1947. The bank’s primary focus is the delivery of core banking services to businesses with an annual turnover above R10 million. These services include the cornerstones of business banking – lending, transactional banking, treasury and foreign exchange.
The bank currently has business banking suites in Gauteng, Western Cape, Eastern Cape and Kwazulu-Natal.
The primary benefit offered is the ability to specialise in the financial and banking needs of medium-sized businesses, providing exceptional customer service through highly skilled and experienced relationship managers offering service levels usually reserved for large corporates. Our relationship managers each run small portfolios, allowing a significantly higher level of customer contact and involvement, as well as unmatched speed in decision-making.
The bank has principle clearing bank status, and it is a Registered Credit Provider and an Authorised Financial Services Provider.
Business Banking including transactional banking, lending (commercial property, asset finance, term lending, overdrafts and working capital), treasury and foreign exchange services.
SABA is a member of the National Bank of Greece Group (NBG Group). National Bank, with dominant presence in the Greek banking market and strong profile in South East Europe and the Eastern Mediterranean, leads the largest and strongest financial group in Greece.
The NBG Group is the first Greek financial institution to successfully introduce its shares on the NYSE in 1999.
NBG Group offers a wide range of financial products and services that meet the ever changing needs of businesses and individuals such as deposits, business investment, finance, brokerage, insurance, leasing and factoring.
The Group operates in 12 countries and controls (apart from NBG itself) 8 banks and 58 companies providing financial and other services, with a workforce of 34,557 employees. It has the widest distribution network of products and services of any Greek bank internationally (1,131 units) and the most complete network in Greece with 528 branches and 1,383 ATMs (data as of 3/31/2012).
The NBG Group aims to maintain its leading position in Greece and its dynamic presence internationally, operating with commitment, consistency and transparency for the benefit of the customer, the shareholder, the employee and, last but not least, with responsibility towards society.
SureBank is a division of The South African Bank of Athens Limited, managed by SureCard Financial Enabler (Pty) Ltd.
SureBank believes in the harnessing of technology to deliver creative financial products that meaningfully address one of the biggest banking issues in the South African market, i.e. the cost of banking.
SureBank offers transactional accounts and savings products tailor-made for the broader South African community. While it does not provide lending products directly, it acts as an enabling platform to other companies providing lending and financial services to the community.
There are several thousand SureBank Account holders around the country and these numbers grow on a continuous basis.
Wizzit Payment Systems (Pty) Ltd is a division of The South African Bank of Athens Ltd.
Cell phone and debit card based, Wizzit, which regards itself as a "bank in your pocket", essentially provides banking facilities and access to the unbanked / under-banked.
As Wizzit has no branch infrastructure, support for Wizzit customers is supplied by a call centre appropriately called "World of Wizzit" Marketing is done by WizzKids. Importantly, various partners and systems are in place to make delivery of the Wizzit bank account possible.
Since its formation in 2004, the Wizzit division has grown substantially and now services several thousand customers around South Africa and has strong potential for future growth.
The South African Bank of Athens (SABA) is able to offer the full range of business banking solutions throughout South Africa.
Relationship management is at the core of the SABA business and this is delivered by a team of highly experienced relationship and business development managers. Because of our business banking focus, we know that business owners rarely have the time to spend at banking premises which is why our team generally consults at the customers’ premises.
Should a customer prefer to engage at our premises, SABA maintains a network that consists of 7 business suites in Gauteng, Western Cape, Eastern Cape and KwaZulu-Natal. These suites are professional consulting environments for customer interaction and servicing.
Lastly, the logistics of handling cash on a daily basis often requires local facilities close to a customer’s business premises. Through our partnerships with ABSA and G4S, we are able to offer branch banking and cash centre facilities at over 700 traditional retail banking branches and cash centres countrywide. We also offer one of the most comprehensive ranges of cash-in-transit (CIT) and onsite automated banking devices (cash boxes) in the market.
The South African Bank of Athens Limited is focused on delivering world class banking services to the medium-sized business market in South Africa.
We are a truly South African bank, operating since 1947. Our primary focus is the delivery of core banking services to businesses with an annual turnover above R10 million. These services include the cornerstones of business banking – lending, transactional banking, treasury and foreign exchange.
We are always on the lookout for experienced and talented business bankers. Please browse the available jobs listed on this page, or email us your CV at
| SAVINGS / CALL A/C's | ||
|---|---|---|
| FROM | TO | Int. Monthly |
| R 0.00 | R 99 999.99 | 0.50 % |
| R100 000.00 | R 249 999.99 | 2.25 % |
| R 250 000.00 |
R 499 999.99 | 3.10 % |
| R 500 000.00 | R 999 999.99 | 3.50 % |
| ABOVE | R1 000 000.00 | 4.60 % |
| 32 DAY NOTICE DEPOSIT | ||
|---|---|---|
| Minimum Deposit of R250 000 | ||
| FROM | TO | Interest payable at maturity |
| R 250 000.00 |
R 499 999.99 | 3.50 % |
| R 500 000.00 | R 999 999.99 | 3.90 % |
| ABOVE | R1 000 000.00 | 4.75 % |
| 88 DAY NOTICE DEPOSIT | ||
|---|---|---|
| Minimum Deposit of R250 000 | ||
| FROM | TO | Interest payable at maturity |
| R 250 000.00 |
R 499 999.99 | 3.60 % |
| R 500 000.00 | R 999 999.99 | 4.10 % |
| ABOVE | R1 000 000.00 | 4.85 % |
| 6 MONTHS FIXED DEPOSIT | ||
|---|---|---|
| Minimum Deposit of R250 000 | ||
| FROM | TO | Interest payable at maturity |
| R 250 000.00 |
R 499 999.99 | 3.80 % |
| R 500 000.00 | R 999 999.99 | 4.25 % |
| ABOVE | R1 000 000.00 | 5.10 % |
| 9 MONTHS FIXED DEPOSIT | ||
|---|---|---|
| Minimum Deposit of R250 000 | ||
| FROM | TO | Interest payable at maturity |
| R 250 000.00 |
R 499 999.99 | 4.10 % |
| R 500 000.00 | R 999 999.99 | 4.50 % |
| ABOVE | R1 000 000.00 | 5.30 % |
| 12 MONTHS FIXED DEPOSIT | ||
|---|---|---|
| Minimum Deposit of R250 000 | ||
| FROM | TO | Interest payable at maturity |
| R 250 000.00 |
R 499 999.99 | 4.50 % |
| R 500 000.00 | R 999 999.99 | 5.00 % |
| ABOVE | R1 000 000.00 | 5.50 % |
| Monthly Fees | |
| Monthly Current Account Fees | |
|
R50.00 R100.00 |
| Internet Banking Subscription | |
|
R21.00 R90.00 |
| Deposit Fees | |
| Cash Deposit | |
|
R4.50 + R1.15 per R100.00 Negotiable based on volume |
| Cheque Deposit | R13.50 |
| Special Presentation | |
|
R75.00 R128.50 |
| Cash Withdrawal Fees | |
| Branch | |
|
R13.50 R1.28 per R100.00 (maximum R1500.00) Negotiable based on volume |
| Cheque Encashment |
R13.50 + R1.28 per R100.00 +service fee (maximum R1500.00) |
| ATM Cash Withdrawal | |
|
R9.50 + R1.15 per R100.00 R45.00 |
| Cash Back with Purchase | Free |
| Account Payments, Transfers and Purchases | |
| Bank Cheque | R60.00 |
| Cheque Marked for Payment | R85.00 |
| Service Fee | |
|
R6.75 + R2.25 per R100.00 (maximum R42.00) Negotiable based on volume |
| Stop Order | |
|
R4.95 R17.50 |
| Accounts Payments at Branch | R40.00 |
| Point of Sale Purchase | |
|
R4.10 R25.00 |
| Internet Banking - Internal Transfer | |
|
R3.10 R5.30 |
| Internet Banking - Electronic Payments | |
|
R6.00 (Up to R1000.00) R12.00 (R1000.00 plus) 7.50 (Up to R1000.00) R15.00 (R1000.00 plus) |
| Athena Payment System (Bulk Payments) | |
|
R8.00 R6.50 R5.25 R4.00 |
| Statements and Enquiries | |
| E - Statement | Free |
| Posted Statement | |
|
R8.25 R11.50 R15.00 R37.50 |
| Statement over the Counter | R15.00 per page |
| Archived Statements | |
|
R20.00 per page |
| Internet Banking Statements | Free |
| Balance Enquiry | |
|
Free R4.00 |
| Other Fees | |
| Deposit Book | R70.00 |
| Stop Payment | R60.00 |
| Cheque Books | |
|
R40.00 R105.00 R160.00 R20.00 |
| Notifications and Reminders | |
|
R0.85 (SMS & Email) |
| Dishounor Fee | R130.00 per item |
| Honouring Fee | R130.00 per item |
| Decline Transactions | |
|
R5.00 R7.00 R2.50 |
| Debit Card Issues | |
|
Free R50.00 |
| Telefax Charges | |
|
R14.00 R56.00 |
| Document Retrieval Fee | R50.00 |
| Auditors Certificate | R300.00 |
| Viewing of Tapes at Cash Centre | R300.00 |
| Electronic Banking | |
|
R370 per hour R200.00 per transaction |
At The South African Bank of Athens we believe that the customer is our first and foremost priority. We have built our business model around exceptional customer service delivered through a single point of contact – the Relationship Manager.
Our relationship management team is made up of highly experienced and skilled bankers who provide a single point of contact for business banking customers. These individuals are focused on providing a high-touch customer experience and they are backed up by a strong support team at each of our business banking suites.
In addition to a primary point of contact – your relationship manager – customers have access to alternative contact channels for service support. Our web site, business banking suites, call centre number and email contact are all available to provide the customer support and service you need.
If you have a complaint, we would encourage you to contact your relationship manager directly for assistance. In addition to your relationship manager, each of our business suites has a Customer Support Manager / Supervisor who can also provide assistance in resolving any complaints.
Should your relationship manager or business suite not be able to resolve your complaint, please contact our Customer Care Centre at our Head Office on (011) 634-4397.
If we are unable to resolve a complaint in a satisfactory manner, customers have the option to approach the Ombudsman for Banking Services for further assistance. Should you wish to make use of this service, we will gladly assist you by providing all relevant details of the complaint to you.
Physical Location: 1st Floor, Houghton Place, 51 West Street, Houghton, 2198.
Postal Address: P.O. Box 87056, Houghton. 2041.
Telephone Number: +27 11 712 1800
Share call: +27 860 800 900
Fax Number: +27 11 483 3212
Website: www.obssa.co.za
E-mail: info@obssa.co.za
Physical Location: Ground Floor, Baobab House, Eastwood Office Park
Cnr. Lynnwood & Jacobson Drive, Lynnwood Ridge, 0081
Postal Address: P.O. Box 74571
Lynwood Ridge
0040
Telephone Number: +27 12 470 9080
Share call: +27 860 324 766
Fax Number: +27 12 348 3447
Website: www.faisombud.co.za
E-mail: info@faisombud.co.za
Postal Address:
Postnet Suite #444
Private Bag 1
Jukskei Park
2153
Telephone Number: +27 861 662837 or +27 860 800 900
Fax Number: +27 86 678 9147
E-mail Address: ombud@creditombud.org.za
Website: www.creditombud.org.za
We have put together a simple set of guidelines to assist you in managing your accounts that could help in protecting you from criminal and fraudulent activity. As always, the most important aspect is vigilance.
One of the more frequent means by which customers are defrauded is by cheque interception. On average, a cheque is handled by up to 20 people from the time you make it out to the time your branch pays it. This means that there are numerous opportunities for the cheque to be intercepted. This happens most commonly when cheques are posted.
Another common way in which customers are defrauded is when accepting a cheque or bank deposits when selling goods. Often the cheque or the deposit turns out to be fraudulent, resulting in the seller losing both the goods and the payment. We would strongly advise that you never release goods until you are certain that the payment is valid.
Always wait for the funds to be cleared before releasing goods, even if it seems to be a bank issued cheque. While the cheque may appear to be genuine, it could be forged or stolen.
Never accept a faxed bank deposit slip as proof of payment. Amounts and details can easily be changed to reflect a higher value. Check with your bank first that the correct amount has been deposited and whether the deposit is cash or cheque. If it is a cheque deposit, wait until the cheque has been paid (usually this will take seven days) before you release goods.
Trapping your card in the ATM slot is one of the means used by criminals to distract you. They are known to use your frustration to build a relationship of trust with you, and thereafter trick you into giving away your PIN and bank card. Once they have your PIN and card, they are free to withdraw money from your account.
Protecting your Bank Card and Pin:
Your bank card and PIN are your personal keys to secure banking. Criminals are aware of this and use various tricks to steal them in order to access your money. Often they look over your shoulder when you are busy at the ATM and steal your PIN and then come up with ways of getting hold of your card to skim it. In that way, they will have both your card and PIN and are free to steal money from your account.
Protecting your Cash after withdrawal:
Criminals are known to identify banking clients that have made cash withdrawals from ATMs. These customers are then followed and robbed of their cash. Make sure that you don’t set a pattern of large withdrawals on a regular date or at a regular site. Remain vigilant at all times. Ultimately, cash withdrawals are always a risk and there are many solutions that are safer than large cash withdrawals and we would strongly encourage you to discuss these with your relationship manager.
Beware of internet fraud e.g. "Phishing". This is most commonly done through email and a fake website, claiming to be from a bank or other institution and asking you to confirm your personal details. Fraudsters use various ways of enticing you to confirm your personal information.
Transparency, ethics and corporate governance are at the heart of everything we do at The South African Bank of Athens Limited.
As a responsible corporate citizen, we have established whistleblowing procedures for the submission by our employees and other stakeholders - i.e. shareholders, alliance partners, customers, suppliers, members of the public and other parties - of concerns regarding accounting, internal controls or auditing matters. Any stakeholder who has a reasonable belief that any of the following acts has been, or is likely to be committed, may make a report:
The whistleblower need not, if he or she so wishes, disclose his or her name.
Please address your correspondence to:
Postal Address: The South African Bank of Athens Limited c/o
The Head of Internal Audit
PO Box 7781 Johannesburg 2000
Email: whistleblowing@bankofathens.co.za
The Act creates and promotes an economic environment that supports and strengthens a culture of rights and responsibilities.
It protects consumers from exploitation and unfair practices in the market place and empowers consumers to make wise purchasing decisions.
Services which are provided by an employment contract and are covered by the Labour Act are exempt from the Act. Services and goods that are provided to the government are exempt from the Act. Some aspects of the financial services industry are also exempt from the Act. Industries that are given exemption by the DTI are exempt from the Act. Any transaction where the consumer is a body corporate or a partnership, association or trust, and the asset value either exceeds or is equal to a threshold of R2,000,000. Consumers have the right to escalate their complaints falling within the ambit of the Act. The following regulatory bodies have been developed to assist consumers.
The National Consumer Tribunal:
+27 860 627 627 or +27 12 663-5615
Should you have any further enquiries kindly contact our
Customer Care Centre on +27 861 102 205 or alternatively visit your nearest suite.
While we have taken care to ensure that the content on this website is accurate, this website and the service accessible on this website and your use of and reliance on the information on this website and the online services, are entirely at your own risk. The Bank of Athens Limited (SABA) accepts no liability for any loss or damage of whatsoever nature that may be caused, directly or indirectly, by the use of this website or reliance on any information contained therein.
We attempt to keep information up to date and correct, but any interest rate quoted on this site must be confirmed by a SABA Business Unit and the bank does not accept any liability for reliance placed on quoted rates in the absence of such confirmation.
The calculators on the website are intended to provide an indication of the amounts calculated only. SABA does not have any control over the information entered by any user and figures calculated shall not be binding on us.
Your privacy is important to us and SABA will protect the security and confidentiality of information shared with us by the user. User information will be treated as confidential and cannot be disclosed to third parties unless:
SABA will not be liable for any downtime, malfunction, interruption or any other failure of our website, system, databases or part thereof for reasons beyond our control.
SABA will not be liable for any damage or loss regarding customer data directly or indirectly caused by any malfunction of our system, third party systems, power failures, computer viruses or unlawful access of data on our system or third party systems or programming defects.
SABA will not be liable for any event over which we have no control e.g. downtime or failures for services provided by third parties such as public telecommunication service providers, internet services providers, electricity suppliers or local authorities.
Business Transaction Accounts
Your business banking transaction (cheque) account is the heart of your banking relationship. It offers a safe, convenient platform and also provides access to a wide range of additional services and products.
From the business banking account, you will be able to access:
Perhaps the most valuable feature of your business account is the dedicated Relationship Manager assigned to provide you with support. We believe that a business banking relationship is more than just an account - it's a key component of your business. Your dedicated Relationship Manager will be able to provide comprehensive support and advice on your business' banking needs.
For more information, please contact your Relationship Manager or contact us via our call centre or email address.