You can use your card at any ATM in South Africa to withdraw cash and at merchants displaying the MasterCard sign to pay for goods or services. You can also get cash back at merchants when you pay for your purchases.

You may only draw cash at an ATM or get cash back when you pay for goods or services at a merchant.
To get your balance, SMS your card number to 34246.

The card is not meant to store money; it is intended to be used by you to withdraw cash and pay for purchases within your earning period. Should you need to store money, you may go into a branch and open a savings account. Please take your identity document and proof of residence with you.

If your card expired within the past three years you can go to the person who gave you the card and get them to transfer the funds onto another card. If your card expired more than three years ago, you can go to any Standard Bank branch with your card and identity document and claim the money on your card. You will not be paid any interest.

You may only use your card in South Africa; any transaction attempted in another country will be declined.

You should call 0861 115 196 between 9am and 11pm, call 0800 020 600 from 11pm to 9am or advise the person who gave you the card as soon as possible. Your card can be stopped to prevent anyone else from withdrawing your money. Unfortunately, any money on the card that is used before you stop your card may be lost.

The card is intended to pay you and is not an account; no one else other than the person who gave you the card may load money onto your card, including yourself.

Any debit orders loaded on your card will not be paid. This includes any deductions made by micro lenders.

Your PIN cannot be reissued or reset. You need to request the card provider to give you a new card and transfer the funds on your old card to your new card.

You will need to call 0861 115 196

Employees can only withdraw cash from ATMs and pay for purchases with or without cash back at merchants. The cards takes away the risk of managing and carrying large amounts of cash. PayCards maybe used for multiple salary or wage payments to each employee. Cards expire after 3 years.

To calculate the value of your payroll, make an electronic account payment into the Standard Bank PayCard account using your unique reference number. Allow sufficient time for payment to be received. Cash and cheque deposits will not be accepted.

Please note that deposits can take up to 3 days to reflect. When a deposit is done on a weekend, it will only reflect on the Tuesday after that weekend.

When cards have been activated, the risk of holding “cash” is passed to your employees, who can withdraw their cash or use the card to make payments at merchants.

Cards are produced with a PIN and are attached to a card carrier showing how to use the cards at an ATM. On the reverse of the card carrier are the terms and conditions in English.

If you have any questions, you will need to call 0861 11 51 96.

• Construction companies pay their bricklayers, tilers, welders and plasterers with the Standard Bank PayCard.
• Teachers are given the cards by the School to use on school trips.
• A Standard Bank Profile owner uses the PayCard to pay their domestic worker.
• NGO's use it to pay their staff.
• Farmers use it to pay their farm laborers.
• Bead work companies use it to pay their bead workers.
• Cabinet / furniture makers use it to pay their staff.
• A number of companies use it to give to their office managers to use for various office expenses.
• A State-owned institution uses the PayCard to give to their office managers for certain expenses.
• Aviation companies use the PayCard to pay their workers.
• Company employees that are concerned about the safety of funds and who feel their personal security may be threatened, use the Standard Bank PayCard to pay their workers instead of cash.
• Companies give it to staff members who don’t have a bank account.

• Once you have allocated the PayCard/s via your profile to your employees you can then load funds onto the PayCard/s.
• You will need to calculate the amount of funds that need to be loaded onto the PayCard/s.
• Thereafter, you will need to do a deposit via Internet Banking or Business Online by selecting the preloaded beneficiary: “Credits Outstanding: PayCard” and using the unique reference number allocated to your profile.
Please note: Do not include any other letters, numbers or spaces to the reference number.
• Cash and cheque deposits will not be accepted.
• Deposits can take up to 3 days to reflect. When a deposit is done on a weekend, it will only reflect on the Tuesday after that weekend.
• Once the funds reflect on your PayCard profile, you can load funds onto the allocated cards as required using the “Load funds onto cards...” menu option while logged into your profile. You will be able to load an activation time and date.
• As the card provider you can be safe in the knowledge that the PayCards are not loaded or active until the specified date and time.
• You can then distribute the PayCard/s together with the PIN in a sealed envelope before the cards are activated.

Funds are required to be deposited into the pre-approved beneficiary using Internet Banking or Business On-Line only. The beneficiary that needs to be selected by Standard Bank customers is: “Credits Outstanding: PayCard”. In order for the deposit to be correctly allocated, you must use your unique reference number which is allocated to your profile for each deposit. Deposits take up to 3 days to reflect. Once the deposit has reflected, the funds will be available to load onto cards.

Step by step on Standard Bank Internet banking
• Once you have logged onto you profile on the Standard Bank Internet Banking Website, you will click on “Pay beneficiary” under “Payments and Transfers”.
• You will then click on “Add new beneficiary”.
• Under beneficiary details click on “Company” as Beneficiary type.
• Under business directory type out “PayCard” in the space provided and then click on “search”.
• You will select “Credits Outstanding: PayCard”.
• Enter a reference under “Your Details” which will be your reference for you to use for your own reference purposes, e.g. Paycard.
• You will also need to enter the “Beneficiary Reference”, which will be the unique reference number that was e-mailed to you when you signed up for the card.
• The reference number is also available on your profile
Please Note: Only the number must be entered i.e. 7081940814. Do not add anything else to the unique reference number for example “ref7081940814”.
• Click on “Next”.
• Confirm beneficiary details.
• If the details are correct, click on “Next”.
• You will then click on “Pay Beneficiary”.
• Complete the payment details by entering the amount etc. and then click on “Next”.
• Once payment details have been confirmed, you can click on “Pay” to make the payment.

• Log into your profile with your operator ID (you will have received this when setting up the Business Online Profile.
• Go to the “payments” section.
• Select “all payments” option.
• Click on “create payment”.
• Choose “select account” and select the account that you are going to pay the funds from.
• Thereafter you click on “To” and select “credit”.
• You will then see a list of preloaded beneficiary’s and you can select the “Credits Outstanding: PayCard” beneficiary.
• Enter the amount that you want to transfer.
• The final step is to click “release” which will release payment to the creditor.

If you require further assistance loading a beneficiary on a Business Online Profile please contact the Business Online team on—
Tel: 0860 123 007
Or
E-mail: [email protected]

PayCard card holders cannot go into a bank branch and withdraw cash from a teller.

Deposits can take up to 3 days to reflect.

When a deposit is done on a weekend, it will only reflect on the Tuesday after that weekend.

Once the deposit has reflected, the funds will be available to load onto cards.

Please note for any Payments of R80 000 and above, you will need to send proof of payment to Paymet to [email protected]

• Fraud Hotline (South Africa only)
0800 113 443
• Hotpost (South Africa only)
Written reports can be sent by conventional mail, at no cost to the sender to:
BNT371, PO Box 14671, Sinoville, 0129
• Hotfax (South Africa only)
Reports can be faxed to: 0800 200 796
• Hotmail (International)
Email reports can be sent to: [email protected]. When using the Hotpost, Hotfax or Hotmail options, you may remain anonymous if you wish, but please clearly mark all submissions as relating to Standard Bank.

FEES 2023
PayCard Brochure

Dear Valued Customer,

Compliments of new year!

Please note below the new PayCard pricing for 2024 effective as from 01 January 2024.

2024 Fees

Company
Card order R36.00 per card
Load R13.00 per card
Face to Face card delivery* R120.00

Cardholder
ATM cash withdrawal at a Standard Bank ATM R12.00 per R1000.00
ATM cash withdrawal at another bank ATM R12.00 per R1000.00
Purchases at merchants Free
Cashback R1.40
Balance enquiry at Standard Bank ATM (printed)
(One free balance enquiry per load) R1.70
Balance enquiry at an agent bank ATM R10.50
SMS balance enquiry R3.20
Declined cash withdrawal at Standard Bank Free
Declined cash withdrawal at another bank R8.50
Declined purchases at merchants R8.00
Card inactive fee** R17.00
Bank reversal fee R75.00

* Price is levied per delivery and is subject to change and may vary due to price fluctuations from external vendors.
** Levied per month after 12 months of inactivity on the card.

Should you have any queries, our Customer Support team is ready to assist you with any questions or concerns you may have. You can reach us at [email protected] or [email protected].

Kind regards
PayCard Team