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General   |    Home Loan Account   |    Transact Account   |    WebTransact
TRANSACT ACCOUNT

General  |   CardTransact  |   CallTransact  |   Credit facility

•   Are my two accounts linked? | back to top

Your Transaction Account is automatically linked to your home loan allowing you to transfer funds between your Home Loan and Transact account.

•   Can I still activate my Transact Account if I haven’t used it yet? | back to top

You may request activation of this account if it has not been in use for more than 90 days.

•   How many accounts are created if I have more than one applicant? | back to top

All Transact Accounts are automatically created and loaded in the name of the main applicant or in the name of the legal entity. Only one Transact Account is linked to one Home Loan Account.

•   What will happen if I don’t use my Transact Account immediately? | back to top

When the main applicant or legal entity does not want the Transact Account then it will be automatically flagged as dormant after 45 days of inactivity, and subsequently be suspended after 90 days on non-activity.

•   How do I pay into my Transact Account? | back to top

Complete the deposit slip /beneficiary details with the following information:

Internet or EFT Deposits
Bank name
Account name
Account number
Branch code		 Bidvest Bank
Your name
Your 11-digit Transact Account number
462 005
Deposits at any ABSA Bank branch
Account name
Account number
Branch code
Deposit reference		 Bidvest Bank – Integer
4049 755 298
301 305
Your 11-digit Transact Account number
View a sample deposit slip here


•   What is my internal transfer limit? | back to top

The default daily internal transfer limit is R20 000, but this can be increased to R200 000 via your WebTransact profile.

•   Can I transfer funds to a third party from my Home Loan Account? | back to top

No, transfer of funds to third parties can only be done from your Transact Account and not from your Home Loan Account. Excess or Available pre-paid funds on your home loan can only be transferred to your Transact account.

•   Does Integer need to authorize my debit orders? | back to top

You have the functionality to setup Debit Order Instructions at third parties to facilitate account payments, No authorization is required from Integer.

•   Where can I make cash and cheque deposits? | back to top

At any ABSA branch.

•   How long will it take for a cheque deposit to clear? | back to top

Cheque deposits are accepted into the Transact Account only. Cheques are subject to the normal clearance period of 7 business days.

•   Can I have money paid directly into my Home Loan Account? | back to top

At this stage no EFT payments will be allowed directly into the Home Loan Account.

•   Where can I withdraw cash? | back to top

You can withdraw cash at any Saswitch ATM and retail store that provide “Cash back” facilities, including at selected Pick ‘n Pay, Checkers and PEP stores.

•   Can I make a postal order deposit into my account? | back to top

Postal Order Deposits are not accepted, only cheques and cash deposits.
General  |   CardTransact  |   CallTransact  |   Credit facility


•   What is The Integer branded VISA Debit card? | back to top

It is a debit card issued by Bidvest Bank; which allows you to withdraw cash from Saswitch ATMs and purchase goods at merchants that display the VISA logo.

•   Who is the card for? | back to top

We provide the 1st card (free of charge) to the main applicant of the approved home loan. The main applicant can request additional cards for any co-applicant of the home loan (see fees for additional cards)

•   Can I order more cards? | back to top

Post-bond Registration, the main applicant can request additional cards for any co-applicant(s) of the bond account at a specified delivery cost All applicants are automatically qualified to receive cards at discretion of the main applicant, with exception if the bond was registered in a legal entity.

•   What do I do if my card is lost or stolen? | back to top

Contact us immediately on 0861 INTEGER, or on 0861 4 66 33 4, or via email on speak2us@integer.co.za. We will cancel your card immediately and arrange for a replacement card.

•   What do I do when an ATM retains my card? | back to top

Saswitch rules determine that such a card must be destroyed. Contact us immediately on 0861 INTEGER, or on 0861 4 66 33 4, or via email on speak2us@integer.co.za. We will cancel your card immediately and arrange for a replacement card.

•   What are my daily ATM withdrawal limits? | back to top

Your daily ATM withdrawal limit is set at R2 500 (This cannot be increased or decreased).

•   What are my daily POS limits? | back to top

Your daily POS purchase limit is defaulted to R10 000 (This can be increased or decreased to the maximum amount of R100 000). Please contact our Integer Customer Contact Centre on 0861 4 66 33 4 to request any changes. Worldwide acceptance is at approximately 25,000 merchants locally and 2,200,000 merchants internationally.

•   Do I need to sign when I make purchases on my card? | back to top

Your transactions are PIN based and you do not need to sign when making purchases.

•   Can I use my Integer Debit card to make purchases over the internet? | back to top

No.



General  |   CardTransact  |   CallTransact  |   Credit facility


•   What is the Integer Customer Contact Centre? | back to top

The Integer Customer Contact Centre can be reached at 0861 4 66 33 4 and is predominantly an in-bound call centre with the responsibility of managing all customer interactions and account maintenance functions. A 24 hour stop card facility is available after normal office hours for the purpose of reporting lost and stolen cards.

All calls are recorded and easily drawn in the event of a discrepancy or quality related matter.

The agent is responsible for account holder authentication on inbound calls before giving any information pertaining to the account. Customers will be identified through ID numbers and predefined randomly generated security questions.

(Business Hours: Mon-Fri 08h00-18h00)

•   What transactions can I make through CallTransact? | back to top

  • Card activation
  • WebTransact activation
  • Card replacements
  • Card cancellation
  • Additional cards for co-applicants
  • Balance and transactional enquiries
  • Reporting of ATM/POS disputes
  • Updating transactional limits for POS transactions
  • Updating personal details
  • Interaccount transfers
  • Payments to pre-loaded beneficiaries, only if you previously paid such a beneficiary via your WebTransact profile
  • Closure of Accounts
  • General queries
General  |   CardTransact  |   CallTransact  |   Credit facility


•   When can I start using my Credit facility? | back to top

Your credit facility is approved on request during Approval in Principle but before attorney instruction. You can start using your credit facility as soon as your bond is registered.

•   How do I pay back my Credit facility? | back to top

You will sign a debit order collection instruction to service your monthly minimum payment due. If you deposit funds during the course of the month, the amount deposited will be deducted from the minimum payment due.

•   How is my Credit facility activated? | back to top

The facility is automatically activated upon Registration.

•   Is it too late to apply for the Credit facility? Can I apply for the credit facility at a later stage? | back to top

Yes you can apply after bond registration Contact us for an application, you will have to supply your latest income & expenditure, statements, etc. Your credit facility is activated on your acceptance and signing of the agreement.

•   How is the interest on my Credit facility calculated? | back to top

Your account will attract daily interest on amounts used, calculated at your approved Home Loan rate.

•   What happens if I miss a payment? | back to top

Please contact us in order to make arrangements on your account.

•   If I don’t use my Credit facility, will it go dormant? | back to top

The approved 1% Credit facility will be suspended after 45 days of the Transact Account dormancy.

•   Can I cancel my Credit facility? | back to top

Yes, you can reduce or cancel the credit facility at any stage.



COULDN'T FIND WHAT YOU'RE LOOKING FOR?

Please email us on speak2us@integer.co.za or call 0861 4 66 33 4 and we will do our best to answer your query.
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