Don’t have your Nedbank ID yet?
Nedbank ID single sign-on gives you full digital access to Nedbank’s banking and lifestyle products and services on the Money app or Online Banking.
Log in
Log in to Online Banking or another one of our secured services.
Bank how and when you choose to, with the low fees or extra benefits you want.
Shop online or instore and earn rewards for it, with up to 55 days interest-free credit.
Buy foreign banknotes, transfer funds or shop globally with a travel card.
Great interest rates, with great flexibility and access to your money when you need it.
Personalised interest rates for affordable loans from R2,000 to R300,000.
Loan up to 100% of the property value or up to 105% if you are a first-time home buyer.
Choose a plan for yourself, family or build your own cover to suit your needs.
Get cover for your car, building, house contents, valuables and more.
Cover your bond, credit card, overdraft, loan and car repayments.
Choose a plan for yourself, family or build your own cover to suit your needs.
Take the right steps to achieve your financial goals with expert financial planning.
Plan for everything you own and owe, so your estate is in order when you’re gone.
Accounts
-
Everyday banking Safety, convenience and rewards
-
Youth banking For under 16s, or under 25s
-
Accounts -
Digital wallet Your phone is your bank account
-
Private Wealth The globally integrated account
-
Goal saving Easy access to interest earned
Credit cards
Digital banking
Switch to Nedbank
Fraud awareness
Forex
Rewards
Accounts
-
On demand Money available at any time
-
In 24 hours Cash in your hand the next day
-
In 32 days Funds ready within a month
-
End of term Investments left until maturity
Investment services
Share trading
Personal loans
Home loans
Student loans
Overdrafts
Vehicle finance
Solar finance
Life cover
Funeral cover
Short term insurance
Credit Life
Travel insurance
Is your business covered?
Secure Investments
Financial planning
Estate, wills & trust services
Nedbank Private Wealth
Speak to a financial adviser
Blog
Talk to us
Find us
- Login & Register
- Online Banking
- Online Share Trading
- NetBank Business
- NedFleet
- Nedbank Greenbacks
- Nedgroup Investments
- Nedbank ID
- Bank
- Accounts
- Credit cards
- Digital banking
- Switch to Nedbank
- Fraud awareness
- Forex
- Rewards
- Explore Bank
- Accounts
- Everyday banking
- Youth banking
- Accounts
- Digital wallet
- Private Wealth
- Goal saving
- See all accounts
- Get help choosing
- Family Banking
- Refugees and asylum seekers
- FAQ
- How-to guides
- Everyday banking
- MiGoals Premium
- MiGoals Plus
- MiGoals
- Discontinued accounts
- Youth banking
- Nedbank4Me
- Digital wallet
- MobiMoney
- Private Wealth
- Private Wealth Bundle
- Goal saving
- MyPocket
- American Express
- Amex Gold
- Amex Platinum
- Digital banking
- Switch to Nedbank
- Fraud awareness
- Forex
- Send and receive
- Rewards
- Save & Invest
- Accounts
- Investment services
- Share trading
- Explore Save & Invest
- On demand
- Club
- Money Market
- Stokvel
- In 24 hours
- JustInvest
- PlatinumInvest
- Tax-free Savings
- MoneyTrader
- EasyAccess Fixed Deposit
- PrimeSelect
- In 32 days
- Electronic 32Day Notice
- 32Day Notice
- End of term
- Tax-free Fixed Deposit
- Electronic Fixed Deposit
- Electronic Optimum Plus
- Platinum Fixed Deposit
- Fixed Deposit
- OptimumPlus
- Investment services
- Share trading
- Borrow
- Personal loans
- Home loans
- Student loans
- Overdrafts
- Vehicle finance
- Solar finance
- Explore Borrow
- Personal loans
- Consolidation loan
- Secondhand car loan
- Home improvement loan
- Exclusive short-term loan offers
- Explore loans
- FAQ
- How to guides
- Consolidation loan
- Secondhand car loan
- Home improvement loan
- Exclusive short-term loan offers
- Home loans
- Building loan
- Switching home loan
- Repossessed properties
- Start your home buying journey
- Solar-energy Finance
- Earn R29,600 p/m or less? See offer
- HomeVision extra funds
- Home-buying Toolkit
- Managing your home loan
- Explore home loans
- FAQ
- How to guides
- Track application
- Building loan
- Switching home loan
- Repossessed properties
- Start your home buying journey
- Solar-energy Finance
- Earn R29,600 p/m or less? See offer
- HomeVision extra funds
- Home-buying Toolkit
- Managing your home loan
- Student loans
- Explore student loans
- Overdrafts
- Vehicle finance
- Solar finance
- Insure
- Life cover
- Funeral cover
- Short term insurance
- Credit Life
- Travel insurance
- Is your business covered?
- Secure Investments
- Explore Insure
- Life cover
- Get a call back
- Explore MyCover life
- Funeral cover
- Individual R10,000
- Individual R30,000
- Family Cover
- Build your own cover
- Get a call back
- Explore MyCover Funeral
- Individual R10,000
- Individual R30,000
- Family Cover
- Build your own cover
- Short term insurance
- Vehicle insurance
- Building insurance
- House contents insurance
- Valuables insurance
- Get a call back
- Explore MyCover short term insurance
- Vehicle insurance
- Building insurance
- House contents insurance
- Valuables insurance
- Credit Life
- Home loan credit life
- MFC Vehicle Finance Assurance
- Overdraft Assurance
- Balance Protection Plan
- Personal loan Assurance
- Get a call back
- Explore credit life
- Home loan credit life
- MFC Vehicle Finance Assurance
- Overdraft Assurance
- Balance Protection Plan
- Personal loan Assurance
- Travel insurance
- Is your business covered?
- Secure Investments
- Guaranteed Growth Plan
- Guaranteed Income Plan
- Get a call back
- Explore MyCover Funeral
- Guaranteed Growth Plan
- Guaranteed Income Plan
- Plan
- Financial planning
- Estate, wills & trust services
- Nedbank Private Wealth
- Speak to a financial adviser
- Explore Plan
- Financial planning
- Investment planning
- Insurance planning
- Give
- Retirement planning
- Investment planning
- Insurance planning
- Give
- Retirement planning
- Estate, wills & trust services
- Will drafting
- Ensure your estate is managed by an executor | Nedbank
- Trust services
- Financial accounting
- Tax services
- Leave the admin of your estate to us, and not to your loved ones | Nedbank
- Will drafting
- Ensure your estate is managed by an executor | Nedbank
- Trust services
- Financial accounting
- Tax services
- Leave the admin of your estate to us, and not to your loved ones | Nedbank
- Nedbank Private Wealth
- Speak to a financial adviser
- Learn
- Blog
- Explore Learn
- Blog
- Contact us
- Talk to us
- Find us
- Explore Contact us
- Talk to us
- Find us
Spring-clean your financial habits in 6 steps
Spring-clean your financial habits in 6 steps
Staff writer
Posted 22/08/2023 Updated 30/10/2023 2 mins
The season of rebirth presents the perfect time to get your personal finances in order.
Spring is a time of annual renewal for nature and people alike. We spring-clean to clear out the clutter that has built up as we stayed cocooned through the winter. If you’re sprucing up your home and workspace to celebrate the return of warmth and life, you should consider giving your financial habits a spring clean too.
You can harness the capabilities of digital banking to refresh your financial well-being and set yourself on a path to a more prosperous future.
1. Review your budget
The first step in any financial clean-up is to revisit your budget. Digital tools like the Nedbank Money app make it possible to get a complete view of your income and expenses. The Money app and MoneyTracker help you understand your money flow and pinpoint areas where you could save. Has your love of takeaways become too extravagant? Perhaps your streaming service subscriptions are mounting up? The Money app’s insightful budgeting tools help you to identify and reduce these expenses, while nudging you towards additional saving and investment opportunities.
2. Check your credit score
Your credit score is akin to a financial health report. Keeping tabs on it is essential as it impacts your borrowing capacity. As a Nedbank client, you can check your credit score for free, anytime you like. You can monitor your credit health and rectify any inaccuracies before they affect your financial options.
Digital banking makes it easy to compare products offered by different banks and switch when necessary
3. Consolidate high-interest debt
If you’re grappling with high-interest debt, consider consolidation. Loan consolidation involves applying for a personal loan to pay off a few loans or debt you may have, leaving you with only one payment to make every month, at one interest rate and at one financial institution. Potentially, the new interest rate could be lower than the amount of interest you were paying on separate debts previously – a saving you could put towards investments or other expenses, or just paying off more each month so that you can reduce your debt faster.
4. Automate your savings and bill payments
One way to save money and avoid paying extra for late account payments is to automate your savings and bill payments. Nedbank’s automated bill payments and debit order switching tools ensure punctual bill settlement, reducing the chance of attracting late fees. Couple this with regular automated transfers into a Nedbank savings account or MyPocket, and you’ll see your funds grow almost effortlessly.
5. Set financial goals
Financial goals act as a compass, providing motivation and direction. Regardless of whether you're saving for a holiday or a house deposit, or merely aiming to shrink your debt, our advisers can assist. They collaborate with you to establish a financial plan tailored to your needs, guiding you on your journey to achieving your goals. Speak to our chatbot Enbi on the Money app and they’ll connect you with a banker.
6. Spruce up your financial products
Finally, evaluate your financial products. Digital banking makes it easy to compare products offered by different banks and switch when necessary. Nedbank offers competitive rates and a wide range of services, including low-fee bank accounts and rewarding credit cards. If your current financial products don’t suit your needs, perhaps it’s time to switch to Nedbank.
A spring clean of your finances might not show immediate results like a thorough cleaning of your home would, but the long-term benefits will far outweigh any number of coins found stuck behind the cushions of the couch. With Nedbank at your side, financial spring cleaning will be an absolute breeze.
Get digitally active and win the trip of a lifetime!
Nedbank is giving away 3 fantastic travel vouchers worth R60,000 each! All you need do to stand a chance of winning a dream vacation is make a transaction on 1 of our digital banking channels – the Money app, Online Banking or Cellphone Banking*120*001#.
Terms and conditions apply.