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First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).

997098 Mar13

Pricing Guide 1 July 2013 to 30 June 2014

Adding more value


to your Cheque Accounts, Credit Cards, Youth, Student, and related accounts and services.

how can we help you?

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Index
Introduction 1
Personal Cheque Account Rewards and Benets 3 5

Pricing 16 One Account Rewards and Benets 26 27

Pricing 38 Encore Cheque Account FNB Savings Account Life Start Student Account Fluid Account eWallet from FNB Credit Card Rewards and Benets 46 56 58 66 74 76 77

Pricing 81 FNB Forex Global Accounts Important information 87 92 93

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Introduction
This Pricing Guide has been designed to assist you in understanding your bank charges and to help you make banking choices to best suit your lifestyle and budget. We believe in giving you the choice of how you do your banking.
FNBs electronic channels such as Online, Cellphone, Telephone Banking and the FNB Banking App remain free of subscription fees. This means that you can choose to bank using the internet, your cellphone, the telephone, your Smartphone, Tablet or Laptop without worrying about additional subscription fees before you even start transacting!

The fees outlined in this guide are FNBs most common VAT inclusive prices effective from

1 July 2013 to 30 June 2014.

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You can SAVE on your banking fees by following a few easy guidelines:
Pay with your FNB Visa Cheque Card, Credit or Debit Card rather than cheques or cash. Its safer, cheaper and more convenient. Get Cash@Till when you pay with your FNB Visa Cheque Card at most Checkers, Shoprite, Pick n Pay and Boxer stores. Withdraw cash using FNB ATMs instead of other banks ATMs where an additional fee applies. Avoid going into an FNB branch use Online and Cellphone Banking, the FNB Banking App or FNB ATMs to make payments, transfers or to check your balance. Use an FNB ATM to deposit your cash or alternatively ask others to deposit directly into your account by means of electronic funds transfer (EFT). Make sure that there is enough money in your account to cover all transactions. This way, you can always stay within your account limit and avoid penalty fees.

Where can I nd out more about Pricing Options and Banking Fees?
We have highlighted only the most common charges applicable to our Personal Accounts. If you would like more information, need help in selecting the most suitable pricing option for your banking needs, or have any questions on how to lower your bank charges, you can: Call us on 087 575 9404, Use the Online Fee Calculator on our website www.fnb.co.za or Visit your nearest FNB branch for assistance.

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Personal Cheque Account


An FNB Personal Cheque Account is designed for day-to-day use, giving you easy access to your cash and helping you to manage your money.
There are four Pricing Options from which you can choose:
(These are not available for business related use)

1. Unlimited Pricing Option


Who is this option for? This option is best for you if you want to know your fees up front and mainly transact through FNBs electronic channels. How does this option work? For a xed fee per month, you get unlimited qualifying electronic transactions, no matter how many you do. You also get 6 free FNB ATM cash withdrawals per month. Additional FNB ATM cash withdrawals are charged at Pay-As-You-Use rates. Excluded are branch, cheque and other banks ATM transactions as well as special instructions and penalty fees which are charged for separately.

2. Mobile Pricing Option


Who is this option for? This option is best for you if you have taken up the FNB Smartphone, Tablet or Laptop offer and mainly transact through FNBs electronic channels. How does this option work? For a xed fee per month, you get unlimited qualifying electronic transactions, no matter how many you do. You also get 4 free FNB ATM cash withdrawals per month. Additional FNB ATM cash withdrawals are charged at Pay-As-You-Use rates. Excluded are branch, cheque and other banks ATM transactions as well as special instructions and penalty fees which are charged for separately.

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3. Pay-As-You-Use Pricing Option


Who is this option for? This option is for you if your transactions vary from month-to-month and you do a combination of electronic and manual transactions. How does this option work? You are charged for each transaction at the applicable fee. For a low monthly Fee this option offers you: Free card purchases Free withdrawals with Cash@Till TM Free Cellphone Banking transactions which includes: Prepaid airtime and electricity purchases Beneciary payments, Pay2Cell and trafc ne payments Internal transfers Mini statements and balance enquiries

4. Fee Saver Pricing Option


Who is this option for? This option is ideal for you if you are able to keep a minimum credit balance of R9 000,00 in your account at all times. How does this option work? Should you choose this option and are able to maintain the R9 000,00 balance throughout the month you will receive these monthly benets: No monthly account fee Unlimited qualifying electronic transactions 6 free FNB ATM cash withdrawals A combination of 3 free branch, cheque and Telephone Banking (consultant assisted) transactions (excluding all cash and cheque deposits) per month.

Key
If you exceed these transaction limits or fail to maintain the minimum balance at all times throughout the month, you will be charged for all transactions at the applicable Pay-As-YouUse rates. In addition, if you do not keep the minimum credit balance at all times, you will also be charged the monthly account fee. No credit interest is payable on this option.

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Personal Cheque Account Rewards and Benets


With your FNB Cheque Account, we have a host of rewards and benets designed especially for you. Please note that the rules have changed, effective 1st July 2013 and we now offer you even more value! The sections below detail the rewards and benets depending on the type of account you have with FNB.

Rewards:

Gold, Islamic Gold & Encore Cheque Accounts

Platinum & Islamic Platinum Cheque Accounts

eBucks Rewards on Fuel


Earn eBucks Rewards by purchasing fuel using your FNB Visa Cheque Card. Get up to 15% back on your qualifying fuel purchases.

eBucks Rewards on Airtime


Earn eBucks Rewards by purchasing prepaid airtime using FNBs electronic channels. Get up to 15% back on your qualifying prepaid airtime purchases.

eBucks Rewards on Shopping


Earn eBucks Rewards by shopping with your FNB Cheque Card.

Get up to 1.2% back on your qualifying FNB Cheque Card purchases.

Get up to 2.5% back on your qualifying FNB Cheque Card purchases.

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Rewards:
eBucks Discounts

Gold, Islamic Gold & Encore Cheque Accounts

Platinum & Islamic Platinum Cheque Accounts

Get up to 40% off ights, gadgets, shopping vouchers, movies and more, when purchased with your eBucks at the eBucks shop.
You can spend your eBucks at any eBucks in-store partners, Online or through the eBucks Contact Centre. Visit www.eBucks.com for more.

Uncapped ADSL Data through FNB Connect 3G Data


exclusive to active FNB Tablet, Smartphone or Laptop Contract holders.

Get up to 80% discount on monthly Uncapped ADSL Data.

Get up to 100% discount on monthly Uncapped ADSL Data.

Get up to 400MB free monthly 3G Data.

Get up to 500MB free monthly 3G Data.

Purchase Protection
when you purchase goods with your FNB Cheque Card. New

Free cover in the event that an eligible item purchased on your FNB Cheque Card is lost through theft, re and/or accidental damage.

Extended Warranty
when you purchase goods with your FNB Cheque Card. New

Free cover whereby we will double the original manufacturers warranty for goods purchased on your FNB Cheque Card.

Subscription Fees

Free access to Online, Cellphone & Telephone Banking as well as the FNB Banking App for your day-to-day banking. FNBs free SMS and email messaging service, keeping you in touch with transactions on your account. Save fees and the environment by opting to have your monthly statement emailed to you at no additional cost.
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inContact

Monthly emailed statements

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Rewards and Benets Continued Rewards:


Gold, Islamic Gold & Encore Cheque Accounts Platinum & Islamic Platinum Cheque Accounts

Savings Pocket

Set up a monthly scheduled transfer to your linked Savings Pocket at no additional cost! The more you save, the better your interest rate. (Savings Pocket with no interest available to Islamic Gold & Islamic Platinum Customers. Customers may be eligible for annual prot share.)

Automatically save your left over cents when you purchase using your FNB Cheque Card.

Bank Your Change (BYC)

Your purchase is rounded to the nearest rand and the change is transferred to your Savings Pocket. Additional Top-up amounts of R2,00; R5,00; R10,00; R20,00 or R50,00 are available.

SLOW Airport Lounge Access

Platinum Cheque Cardholders enjoy exclusive access to SLOW Domestic Lounges and SLOW International.

Free Comprehensive Global Travel Insurance

New

Exclusive to Platinum Cheque Cardholders when you purchase your travel ticket using your FNB Platinum Cheque Card.

Premier Banker

Exclusive access to a team of Premier Bankers for Platinum & Islamic Platinum Customers.

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eBucks Rewards you can earn on your qualifying purchases


You can now earn eBucks Rewards on your fuel AND airtime AND shopping purchases! Fuel Get up to 15% back in eBucks on your qualifying fuel purchases made with your FNB Cheque Card.

Airtime Get up to 15% back in eBucks on your qualifying prepaid airtime purchases made through FNBs electronic channels (Online Banking, Cellphone Banking and the FNB Banking App).

Shopping Get up to 2.5% back in eBucks on all other qualifying FNB Cheque Card purchases.

To earn eBucks Rewards on your qualifying fuel, airtime and shopping purchases, you simply need to:
1. Meet all the qualifying criteria detailed in the Meet the qualifying criteria list below. 2. Accumulate points in order to determine your reward level this is based on your banking behaviour and product holdings, detailed in the How to earn points list on page 10. 3. Earn rewards which are calculated by applying the respective reward rate to your qualifying monthly purchases.

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Meet the qualifying criteria by:


Registering for eBucks. Having an active FNB Cheque Account in good standing*. Having total monthly deposits of at least: R2 000,00 - Encore Cheque Account. R5 500,00 - Gold, Islamic Gold & Young Professionals Cheque Accounts. R16 500,00 - Platinum & Islamic Platinum Cheque Accounts. Allowing FNB to communicate to you about our products and rewards and ensuring that your inContact details are updated. Transacting via Online Banking, Cellphone Banking or Telephone Banking, or the FNB Banking App at least once a month, using your own banking prole.

Good standing means that none of your FNB and FirstRand Bank Accounts and Credit Agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as dened in our Ts & Cs.

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How to earn points:


Swipe your FNB Cheque Card for purchases. (Please note that purchases on Debit and Petrol Cards linked to your FNB Cheque Account do not qualify to earn rewards). At FNB we reward you on your good banking behaviour each month - the better your banking behaviour, the more points you accumulate. Get points when: The value of your monthly Cash@Till TM withdrawals exceeds the value of your monthly ATM withdrawals. You have not performed any transactions at branches in the month (use FNBs electronic channels instead!). You have used your FNB Cheque Card to purchase goods Online. Use an Overdraft Facility, Temporary Loan or Revolving Loan. The more products you hold, the more points you accumulate each month. Choose from a range of FNB products: An active FNB Tablet, Smartphone or Laptop Contract. Insurance Products linked to your FNB Cheque Account (Smart Device Insurance; Optional Debt Protection Insurance; Roadside Assistance). A Savings Pocket with Bank Your Change and a minimum balance of R2 000,00. Emailed statements only. An active FNB Credit Card. An active Fluid Account (or Islamic Youth Account) linked to your FNB Cheque Account. Have your FNB Cheque Account open for three years or more. Open a new FNB Cheque Account this will get you to Reward Level 1 so that you can start earning rewards immediately! Join Bonus Booster: If in the 3rd month of opening your new FNB Cheque Account, you have met the join bonus booster criteria*, you will receive join bonus booster points! This means you will reach the highest rewards earn level within just 3 months of joining FNB!

New

New

* Terms, conditions and rules apply. Page 10

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Points are allocated for each of the activities mentioned in the list on the previous page. Your total points will then determine your reward level and thus the rate at which you will earn rewards. The rate at which you earn rewards, is detailed below.

rate Reward Maximum rate foron: Platinum and Islamic


Platinum Cheqeu Acc

Reward Level

Fuel

Airtime

Shopping

15%

15%

2.5% Maximum rate for Platinum & Islamic Platinum Cheque Accounts 1.2% Maximum rate for Gold, Islamic Gold & Encore Cheque Accounts 0.8% 0.6% 0.4%

7.5%

7.5%

3 2 1

5% 2.5% 1%

5% 2.5% 1%

Rewards will be allocated by the 8 th of each month based on the previous calendar month.

Data Rewards To earn Data Rewards you simply need to:


1. Meet all the qualifying criteria detailed in the Meet the qualifying criteria list on the next page. 2. Accumulate points in order to determine your reward level, as detailed on the How to earn points list on page 10. 3. Be rewarded! Your data will be allocated monthly in arrears.
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Meet the qualifying criteria by:


Having an active Cheque Account in good standing* . Having total monthly deposits of at least: R2 000,00 - Encore Cheque Account. R5 500,00 Gold, Islamic Gold & Young Professionals Cheque Accounts. R16 500,00 - Platinum & Islamic Platinum Cheque Accounts. Allowing FNB to communicate to you about our products and rewards and ensuring that your inContact details are updated. Transacting via Online, Cellphone or Telephone Banking, or the FNB Banking App at least once a month, using your own banking prole.

Good standing means that none of your FNB and FirstRand Bank Accounts and Credit Agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as dened in our Ts & Cs.

Points are allocated for each of the activities detailed on the How to earn points list on page 10. Your total points will then determine your reward level, and thus your monthly data reward. Your monthly data reward at each level, is detailed in the table on the next page.

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Reward Level

ADSL Data Uncapped Maximum rate for Platinum 3G and Islamic Data*
through Connect PlatinumFNB Cheqeu Acc

Get free monthly Uncapped ADSL Data Maximum reward for Platinum & Islamic Platinum Cheque Accounts

500MB Maximum reward for Platinum & Islamic Platinum Cheque Accounts

Get a 80% discount on monthly Uncapped ADSL Data Maximum reward for Gold, Islamic Gold & Encore Cheque Accounts

400MB Maximum reward for Gold, Islamic Gold & Encore Cheque Accounts

Get a 40% discount on monthly Uncapped ADSL Data

300MB

Get a 20% discount on monthly Uncapped ADSL Data

200MB

Get a 10% discount on monthly Uncapped ADSL Data

100MB

* 3G data exclusive to active FNB Tablet, Smartphone or Laptop Contract holders.

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SLOW Lounges
Platinum Cardholders enjoy exclusive access to our SLOW Lounges . The SLOW Domestic Lounges can be found at the Domestic Terminals of O.R. Tambo International, Cape Town International and King Shaka International Airports. SLOW International can be found at the International Terminal of O.R. Tambo International Airport. Qualifying criteria and terms of usage are detailed in the lists below.

Meet the qualifying criteria by:


Having a valid, personalised Platinum Cheque Card (failing which, access to the SLOW Lounge will NOT be granted). Having an active FNB Cheque Account* in good standing **. Having total monthly deposits of at least R16 500,00 into your FNB Cheque Account* in the calendar month preceding your visit (or R5 500,00 if you hold a Young Professionals Cheque Account). Having total monthly swipes to the value of at least R5 000,00 on your Platinum Cheque Card in the calendar month preceding your visit.

* SLOW benets available on Platinum, Young Professionals, Encore, and Islamic Platinum Cheque Accounts only. ** Good standing means that none of your FNB and FirstRand Bank Accounts and Credit Agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as dened in our Ts & Cs.

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SLOW Domestic Lounge Benet


Do you meet the qualifying criteria? Peak time allocation Off-peak time allocation

2 free SLOW Lounge visits per calendar month for the cardholder only. No guest visits.

4 free SLOW Lounge visits per calendar month for the cardholder (including guests).

2 SLOW Lounge visits per calendar month (charged at R250,00 pp) for the cardholder only. No guest visits.

4 SLOW Lounge visits per calendar month (charged at R250,00 pp) for the cardholder (including guests).

Note: Peak times are on Weekdays (Mon-Fri): 04h45-07h00 and 15h00-17h30 as well as on Sundays: 15h00 - 17h30. All entries are non-transferrable, with any additional entries (in excess of those mentioned above and where qualifying criteria has been met) being charged at R250,00 pp (peak) & R125,00 pp (off-peak).

SLOW International Benet


Do you meet the qualifying criteria? Charges

R250,00 pp (50% discount) R75,00 per child between the ages of 2-18years

R500,00 pp

Terms, conditions and rules apply. For further details on all your Rewards and Benets, visit www.fnb.co.za, fnb.mobi or call 087 575 9404.
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Personal Cheque Account Pricing


1. Unlimited and Mobile Pricing Options
You get unlimited qualifying electronic transactions for a xed fee per month. Qualifying transactions include: Debit orders Card purchases Electronic prepaid purchases Electronic payments and transfers Cash@TillTM Electronic transactions above refer to transactions made using FNB Online Banking, Cellphone Banking, FNB Banking App, Telephone Banking (IVR) and FNB ATMs.
Fees that have not changed or have decreased are shown in orange.

Monthly Fees Fee Description Gold & Islamic Gold Cheque Account
R100,00 Device dependant

Platinum & Islamic Platinum Cheque Account


R135,00 Device dependant

Account Fee*

Device Payment** Subscriptions to inContact, Online, Cellphone, Telephone Banking and the FNB Banking App

Free

Free

Petrol Card

R13,50

R13,50

* **

An additional monthly Exchange Control Administration Fee of R13,00 will be levied on Non-Resident Cheque Accounts. Only applicable if you have taken up the FNB Smartphone/Tablet/Laptop offer. Refer to www.fnb.co.za for the monthly device payment applicable.

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Transaction Fees
Fee Description Card Electronic Channels* Telephone (Consultant) Branch/ Cheque

Card Purchases**

Unlimited

FNB Prepaid Purchases***

Unlimited

R8,50

FNB Cash Withdrawals (local)****

Unlimited (Cash@Till TM)

Unlimited Option: 4 Free per month. Mobile Option: 6 Free per month. Thereafter R6,30 per R500,00 or part thereof, max R25,20

R40,00 + 1.49% of withdrawal value

Transfers Payments Debit Orders

Unlimited Unlimited Unlimited

R34,00 R34,00

R40,00 R40,00

* ** *** ****

FNB Online Banking, Cellphone Banking, FNB Banking App, Telephone Banking (IVR) and FNB ATMs. International Commission and Conversion fee of 2.75% of the transaction value applies for international purchases. Prepaid purchases at other banks ATM charged at R7,50. Other banks ATM cash withdrawals are charged at R6,50 + (R6,30 per R500 or part thereof, max R25,20) from rst withdrawal.

Other Transaction Fees Payable on this Pricing Option Withdrawals Fee Cash Maximum rate for Platinum and Islamic Platinum Cheqeu Acc
FNB Mini ATM Other Banks Mini ATM International ATM (Additonal 2.75% Commission and Conversion fee applies) International Branch (Additonal 2.75% Commission and Conversion fee applies) Unlimited R 7,50

R40,00

R40,00 +1.50% of withdrawal value

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2. Pay-As-You-Use and Fee Saver Pricing Options


You are charged for each transaction at the applicable fee. All Cellphone Banking transactions are free. Free qualifying transactions are included if you are able to keep a minimum credit balance of R9 000,00 in your account at ALL times on the Fee Saver Pricing Option. Fees that have not changed or have decreased are shown in orange. Monthly Fees
Fee Description Gold & Islamic Gold Cheque Account Platinum & Islamic Platinum Cheque Account

Account Fee*

R30,00

R38,00

Minimum Credit Balance for rebate on fees (fee saver only)

R9 000,00

R9 000,00

Subscriptions to inContact, Online, Cellphone, Telephone Banking and the FNB Banking App

Free

Free

Petrol Card Fee

R13,50

R13,50

An additional monthly Exchange Control Administration Fee of R13,00 will be levied on Non-Resident Cheque Accounts.

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Transaction Fees
Fee Description Card Electronic Channels* Cellphone Banking Branch/ Cheque

Card Purchases**

Free

FNB Prepaid Purchases***

R1,00^

Free

FNB Cash Withdrawals (local)**** Fee Saver: If balance kept, 6 free per month - thereafter fee applies

Free (Cash@Till TM)

R6,30 per R500,00 or part thereof, max R25,20

R33,00 # + 1,49% of withdrawal value

Transfers

R3,30^

Free

R33,00 #

Payments

R7,00^

Free

R33,00 #

Internal Debit Orders (Payments to FNB) External Debit Orders

R3,50^

R15,90^

* ** *** **** ^ #

FNB Online Banking, Cellphone Banking, FNB Banking App, Telephone Banking (IVR) and FNB ATMs. International Commission and Conversion fee of 2.75% of the transaction value applies for international purchases. Prepaid purchases at other banks ATM charged at R7,50. Other banks ATM cash withdrawals are charged at R6,50 + (R6,30 per R500 or part thereof, max R25,20) from rst withdrawal. Free on Fee Saver if minimum credit balance is kept throughout the month. Limited to a combination of 3 free on Fee Saver if minimum balance is kept throughout the month.

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Other Transaction Fees Payable on this Pricing Option Fee Cheqeu Acc Purchases Maximum rate for Platinum and Islamic Platinum
Petrol Card Purchases Telephone Banking Prepaid (consultant assisted) Payments and Transfers Telephone Banking (consultant assisted) Cash Withdrawals FNB Mini ATM (per R500,00 or part thereof) Other banks Mini ATM (per R500,00 or part thereof) International ATM (Additional 2.75% Commission and Conversion fee applies) International Branch (Additional 2.75% Commission and Conversion fee applies) R4,50 R8,50 # Fee R27,50 # Fee R3,00^

R4,50

R25,00

R25,00 # + 1.50% of withdrawal value

^ Free on Fee Saver is minimum credit balance is kept throughout the month. # Limited to a combination of 3 free on Fee Saver if minimum balance is kept throughout the month.

Other Transaction Fees Payable Irrespective of Pricing Option Selected


Payments Fee Maximum rate for Platinum and Islamic Platinum Cheqeu Acc Bank Cheque Stop Payments Online Banking, Cellphone Banking and FNB Banking App Telephone Banking (consultant assisted) FNB Branch R74,00 Fee

R5,00 R15,00 R35,00

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Other Transaction Fees Payable Irrespective of Pricing Option Selected Scheduled Maximum rate for Platinum and Islamic Platinum Payment Related Fees Fee Cheqeu Acc
Establishment and Amendment Fees (Online Banking) Establishment Fee (FNB Branch) Amendment Fee (FNB Branch)

Free R12,50 R9,50

Deposits

Fee

Cheque Deposits

FNB ATM FNB Branch

R16,00

FNB ATM Cash Deposits FNB Branch

0.70% of deposit value (min R5,50) 1.35% of deposit value (min R30,00)

ENC Upliftment Fee and Special Clearance Deposit of Post-dated Cheque (per cheque)

R80,00

R80,00

Balance Enquiries

Fee

FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and FNB ATMs Other Banks ATM

Free

R3,95

Point-of-Sale

R1,35

International Point-of-Sale

R2,50

Branch and Telephone Banking (consultant assisted)

R3,95

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Fee Cheqeu Acc Statements Maximum rate for Platinum and Islamic Platinum
Posted/Printed Statement Current Month Emailed Statement First Ofcial Monthly Statement Collected at an FNB Branch FNB ATM Mini Statement (print or view) Emailing of Historical Statements older than 3 months - Online Banking Emailing of Historical Statements older than 3 months - Branch and Telephone Banking Provisional Statement -Branch and Telephone Banking Penalty Fees R11,50 (per statement) Free Free

R2,80

R5,50 (per statement)

R11,00 (per statement)

R11,00 (per page)

Fee R60,00 for 1st 3 thereafter R138,00 per subsequent item within 12 months R 100,00 for 1st 3 thereafter R 135,00 per subsequent item within 12 months

Unpaid Cheques/Debit Orders (per item)

Honouring Fee (Charged per item in excess of your account limit on accounts with credit agreements before 1 June 2007) Incidental Credit Fee (Charged per month in excess of your account limit, applies to accounts without credit facilities or with credit agreements after 1 June 2007) Reversal of Incorrect Send money to an FNB eWallet transaction Declined Transactions

R57,00

R20,00

Fee

FNB ATM (Insufcient Funds or Limit Exceeded) Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other banks ATM

Free

R7,00

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Other Transaction Fees Payable Irrespective of Pricing Option Selected Card Maximum rate for Platinum Replacement Fees and Islamic Platinum Fee Cheqeu Acc

FNB Petrol Card Visa Cheque Card/Chip & PIN Card

R105,00 R105,00

Credit Related Fees

Fee

Monthly Credit Service Fee (Charged only if the Overdraft is utilized in excess of R200) Monthly Credit Fee (Revolving Loan) Incidental Credit Fee (Revolving Loan) Copies of Vouchers (Deposit Slips and Cheques) Online Banking

R30,00

R40,00 R57,00 Fee

Free

Branch and Telephone Banking

R20,00 (per side)

Cheque Book Fees Pocket 40 Form Duet 25 Form Convenience and Value Added Service Fees Roadside Assistance LOTTO /Powerball Purchase
TM

Fee R38,50 R42,50

Fee R5,00 R1,50 R38,00 R4,00 + (R6,30 per R500 or part thereof, max R25,20)

Pay & Clear Now Cardless Cash Withdrawal (Cellphone Banking)

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Send Money to an FNB eWallet Value: R20,00 - R1 000,00 Value: R1 000,01 - R2 000,00 Value: R2 000,01 - R3 000,00 Send Money to Zimbabwe Value: R0 - R1 000 Value: R1 001 - R1 500 Additional Statements (fee per month)

Fee R8,50 R12,50 R16,50 Fee R45,00 R70,00 Fee Online Paper R80,00 R32,00 R16,00

Daily Weekly Twice Monthly Balance Alerts (fee per month) Monthly Weekly Daily Electronic Subscription Services (fee per month) My Limit Alert Scheduled Payment Alert Payment Notications Email SMS Fax

R44,00 R20,00 R11,00 Fee R0,90 R2,95 R14,80 Fee R2,95 R2,75 Fee R0,68 R1,05 R4,85

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imum rate for Platinum and Islamic Platinum Cheqeu Acc Other Fees Fee

Card Courier Fee (free for Platinum Cheque Card holders) Smartphone/Tablet/Laptop Courier Fee

R120,00

R150,00

Cheque Book Courier Fee

R150,00

Online Banking Password Reset (consultant assisted) Online Banking Account Verication

R52,50

R4,10

Online Banking Payment History (older than 3 months)

R4,10

For any fee or FNB Personal Cheque Account queries please call 087 575 9404.

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One Account
This single facility, secured by your home, has all the functions of a Cheque Account, Overdraft, Personal Loan and Home Loan. Its convenient and more affordable than having to manage and pay fees on multiple accounts.
There are two pricing options available for this account:
(These are not available for business related use)

1. Unlimited Pricing Option


Who is this option for? This option is best for you if you want to know your fees up front and mainly transact through FNBs electronic channels. How does this option work? For a xed fee per month, you get unlimited qualifying electronic transactions, no matter how many you do. You also get 6 free FNB ATM cash withdrawals per month. Additional FNB ATM cash withdrawals are charged for. Excluded are branch, cheque and other banks ATM transactions as well as special instructions and penalty fees which are charged for separately.

2. Mobile Pricing Option


Who is this option for? This option is best for you if you have taken up the FNB Smartphone, Tablet or Laptop offer and mainly transact through FNBs electronic channels. How does this option work? For a xed fee per month, you get unlimited qualifying electronic transactions, no matter how many you do. You also get 4 free FNB ATM cash withdrawals per month. Additional FNB ATM cash withdrawals are charged for. Excluded are branch, cheque and other banks ATM transactions as well as special instructions and penalty fees which are charged for separately.

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FNB One Account Rewards and Benets


With your FNB One Account, we have a host of rewards and benets designed especially for you. Please note that the rules have changed, effective 1st July 2013 and we now offer you even more value! The sections below detail your rewards and benets.

Rewards:

One Account

eBucks Rewards on Fuel


Earn eBucks Rewards by purchasing fuel using your FNB Visa Cheque Card. Get up to 15% back on your qualifying fuel purchases.

eBucks Rewards on Airtime


Earn eBucks Rewards by purchasing prepaid airtime using FNBs electronic channels. Get up to 15% back on your qualifying prepaid airtime purchases.

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Rewards:

One Account

eBucks Rewards on Shopping


Earn eBucks Rewards by shopping with your FNB Cheque Card.

Get up to 2.5% back on your qualifying FNB Cheque Card purchases.

eBucks Discounts

Qualify for up to 40% off ights, gadgets, shopping vouchers, movies and more when purchased with your eBucks at the eBucks shop.

You can spend your eBucks at any eBucks in-store partners, Online or through the eBucks Contact Centre. Visit www.eBucks.com for more.

Uncapped ADSL Data


through FNB Connect.

Get up to 100% discount on monthly Uncapped ADSL Data.

3G Data
exclusive to active FNB Tablet, Smartphone or Laptop Contract holders. Get up to 500MB free monthly 3G Data.

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Benets: Purchase Protection

One Account Free cover in the event that an eligible item purchased on your FNB Platinum Cheque Card is lost through theft, re and/or accidental damage.

when you purchase goods with your FNB Platinum Cheque Card.

Extended Warranty
when you purchase goods with your FNB Platinum Cheque Card

Free cover whereby we will double the original manufacturers warranty for goods purchased on your FNB Platinum Cheque Card. Free access to Online Banking, Cellphone Banking & Telephone Banking as well as the FNB Banking App for your day-today banking. FNBs free SMS and email messaging service, keeping you in touch with transactions on your account. Save the environment by opting to have your monthly statement emailed to you at no additional cost. Platinum Cheque Cardholders enjoy exclusive access to SLOW Domestic Lounges and SLOW International. Exclusive to Platinum Cheque Cardholders when you purchase your travel ticket using your Platinum Cheque Card. Exclusive access to a team of Premier Bankers for Platinum Customers. Our unique Property Leader service can help you buy, sell and nance the home of your dreams. Save 100% on bond registration costs. Free eWill drafting, collection and safe custody for your Will provided you are 55 years or older, or have assets over the value of R500 000,00.

Subscription Fees

inContact Monthly emailed statements SLOW Airport Lounge Access Free Comprehensive Global Travel Insurance Premier Banker Property Leader Move home not your Home Loan

Online eWill

Terms and conditions apply. Page 29

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eBucks Rewards you can earn on your qualifying purchases


You can now earn eBucks Rewards on your fuel AND airtime AND shopping purchases! Fuel Get up to 15% back in eBucks on your qualifying fuel purchases made with your FNB Cheque Card.

Airtime Get up to 15% back in eBucks on your qualifying prepaid airtime purchases made through FNBs electronic channels (Online Banking, Cellphone Banking and the FNB Banking App).

Shopping Get up to 2.5% back in eBucks on all other qualifying FNB Cheque Card purchases.

To earn eBucks Rewards on your qualifying fuel, airtime and shopping purchases, you simply need to:

1. Meet all the qualifying criteria detailed in the Meet the


qualifying criteria list on the next page.

2. Accumulate points in order to determine your reward level


this is based on your banking behaviour and product holdings, detailed in the How to earn points list on page 32. 3. Earn rewards which are calculated by applying the respective reward rate to your qualifying monthly purchases.

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Meet the qualifying criteria by:


Registering for eBucks.

Having an active One Account in good standing *.

Having total monthly deposits** of at least R16 500,00. Allowing FNB to communicate to you about our products and rewards and ensuring that your inContact details are updated. Transacting via Online, Cellphone or Telephone Banking, or the FNB Banking App at least once a month, using your own banking prole. Only nancial transactions will be considered. Receiving your One Account statements via email only. Having active FNB Cheque Cards only (no Debit Cards) linked to your One Account.

* **

Good standing means that none of your FNB and FirstRand Bank Accounts and Credit Agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as dened in our Ts & Cs. For One Accounts opened prior to November 2008, a minimum monthly deposit of R7500,00 is required. All qualifying criteria must be met. Only eBucks Rewards on shopping can be earned.

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How you can earn points:


Swipe your FNB Cheque Card for purchases. (Please note that purchases on Debit and Petrol Cards linked to your One Account do not qualify to earn rewards). Ensure that your One Account has not been in arrears three months preceding the month in which the points are allocated. At FNB we reward you on your good banking behaviour each month - the better your banking behaviour, the more points you accumulate. Get points when: The value of your monthly Cash@Till TM withdrawals exceeds the value of your monthly ATM withdrawals You have not performed any transactions at branches in the month (use FNBs electronic channels instead!) You have used your FNB Cheque Card to purchase goods Online

The more products you hold, the more points you accumulate each month. Choose from a range of FNB products: An FNB Investment account with a minimum balance of R10 000,00 An active FNB Tablet, Smartphone or Laptop Contract An active FNB Credit Card An active Fluid Account linked to your One Account Have your One Account open for three years or more. New FNB customers will receive a joining bonus in the month that your initial bond is registered with the Deeds Ofce. This is a once-off bonus and will get you to Reward Level 1 so that you can start earning rewards immediately! Join Bonus Booster: If in the 3rd month after registration of the intitial bond with the Deeds Ofce, you have met the join bonus booster criteria*, you will receive join bonus booster points! This is a once-off bonus and will get you to the highest earn level potential!

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Points are allocated for each of the activities mentioned in the How to earn points list on the previous page. Your total points will then determine your reward level, and thus the rate at which you will earn rewards. The rate at which you earn rewards at each level, is detailed below.

Reward rate on:


Reward Level 5 4 3 2 1 Fuel 15% 7.5% 5% 2.5% 1% Airtime 15% 7.5% 5% 2.5% 1% Shopping 2.5% 1.2% 0.8% 0.6% 0.4%

Rewards will be allocated by the 8th of each month based on the previous calendar month.

eBucks Discounts
By having a One Account your eBucks discounts are automatically boosted. Get up to 40% off ights, gadgets, shopping vouchers, movies and more, when purchased with your eBucks at the eBucks shop. You must rst meet the qualifying criteria detailed in the Meet the qualifying criteria list on the next page. The discount you get is determined by your reward level. Your reward level is determined by your banking behaviour and the FNB products you hold.

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Meet the qualifying criteria by:


Having an active One Account in good standing*. Allowing FNB to communicate to you about our products and rewards and ensuring that your inContact details are updated. Having a minimum outstanding balance of R100 000,00. Receiving your One Account statements via email only. Earning an average of eB300 or more per month.

Good standing means that none of your FNB and FirstRand Bank Accounts and Credit Agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as dened in our Ts & Cs.

Data Rewards To earn Data Rewards you simply need to:


1. 2. 3. Meet all the qualifying criteria detailed in the Meet the qualifying criteria list below. Accumulate points in order to determine your reward level, as detailed on the How to earn points list on page 32. Be rewarded! Your data will be allocated monthly in arrears.

Meet the qualifying criteria by:


Having an active One Account in good standing*. Having total monthly deposits of at least R16 500,00. Allowing FNB to communicate to you about our products and rewards and ensuring that your inContact details are updated. Transacting via Online Banking, Cellphone Banking or Telephone Banking, or the FNB Banking App at least once a month, using your own banking prole. Only nancial transactions will be considered. Receiving your One Account statements via email only. Having active FNB Cheque Cards only (no Debit Cards) linked to your One Account.

Good standing means that none of your FNB and FirstRand Bank Accounts and Credit Agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as dened in our Ts & Cs. Page 34

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Points are allocated for each of the activities detailed on the How to earn points list on page 32. Your total points will then determine your reward level, and thus your monthly data reward. Your monthly data reward at each level, is detailed in the table below.
Reward Level Uncapped ADSL Data through FNB Connect

3G Data*

Get free monthly Uncapped ADSL Data.

500MB

Get a 80% discount on monthly Uncapped ADSL Data.

400MB

Get a 40% discount on monthly Uncapped ADSL Data.

300MB

Get a 20% discount on monthly Uncapped ADSL Data.

200MB

Get a 10% discount on monthly Uncapped ADSL Data.

100MB

*3G data exclusive to active FNB Tablet, Smartphone or Laptop Contract holders.

SLOW Lounges
Platinum Cardholders enjoy exclusive access to our SLOW Lounges . The SLOW Domestic Lounges can be found at the Domestic Terminals of O.R. Tambo International, Cape Town International and King Shaka International Airports. SLOW International can be found at the International Terminal of O.R. Tambo International Airport.

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Qualifying criteria and terms of usage are detailed in the lists below.

Meet the qualifying criteria by:


Having a valid, personalised Platinum Cheque Card (failing which, access to the SLOW Lounge will NOT be granted). Having an active FNB Cheque Account* in good standing **. Having total monthly deposits of at least R16 500,00 into your FNB Cheque Account in the calendar month preceding your visit. Having total monthly swipes to the value of at least R5 000,00 on your Platinum Cheque Card in the calendar month preceding your visit.

* SLOW benets available on Platinum Cheque Accounts only. ** Good standing means that none of your FNB and FirstRand Bank Accounts and Credit Agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as dened in our Ts & Cs.

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SLOW Domestic Lounge Benet


Do you meet the qualifying criteria? Peak time allocation
2 free SLOW Lounge visits per calendar month for the cardholder only. No guest visits. 2 SLOW Lounge visits per calendar month (charged at R250,00 pp) for the cardholder only. No guest visits.

Off-peak time allocation


4 free SLOW Lounge visits per calendar month for the cardholder (including guests). 4 SLOW Lounge visits per calendar month (charged at R250,00 pp) for the cardholder (including guests).

Note: Peak times are on Weekdays (Mon-Fri): 04h45-07h00 and 15h00-17h30 as well as on Sundays: 15h00 - 17h30. All entries are non-transferrable, with any additional entries (in excess of those mentioned above and where qualifying criteria has been met) being charged at R250,00 pp (peak) & R125,00 pp (off-peak).

SLOW International Benet


Do you meet the qualifying criteria? Charges

R250,00 pp (50% discount) R75,00 per child between the ages of 2-18years

R500,00 pp

Terms, conditions and rules apply. For further details on all your Rewards and Benets, visit www.fnb.co.za, fnb.mobi or call 087 730 1111.
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One Account Pricing


1. Unlimited and Mobile Pricing Option
Fees that have not changed or have decreased are shown in orange.

Monthly Fees
Fee Description Fee

Account Fee (Includes monthly Visa Cheque Card and Lost Card Protection fees)

R110,00

Service Fee

R180,00

Monthly Device Payment*

Device dependent

Subscriptions to inContact, Online, Cellphone, Telephone Banking and FNB Banking App

Free

Petrol Card Fee (Linked to Cheque Account)

R13,50

* Only applicable if you have taken up the FNB Smartphone/Tablet/Laptop offer. Refer to www.fnb.co.za for the monthly device payment applicable.

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Transaction Fees
Fee Description Card Electronic Channels* Telephone (Consultant) Branch/ Cheque

Card Purchases** FNB Prepaid Purchases***

Unlimited

Unlimited

R8,50

FNB Cash Withdrawals (local)****

Unlimited (Cash@Till TM)

Unlimited Option: 4 Free per month. Mobile Option: 6 Free per month. Thereafter R6,30 per R500,00 or part thereof, max R25,20 Unlimited Unlimited Unlimited

R40,00 + 1.49% of withdrawal value

Transfers Payments Debit Orders

R34,00 R34,00

R40,00 R40,00

* FNB Online Banking, Cellphone Banking, FNB Banking App, Telephone Banking (IVR) and FNB ATMs. ** International Commission and Conversion fee of 2.75% of the transaction value applies for international purchases. *** Prepaid purchases at other banks ATM charged at R7,50. **** Other banks ATM cash withdrawals are charged at R6,50 + (R6,30 per R500 or part thereof, max R25,20) from rst withdrawal.

Other Transaction Fees Payable on this Pricing Option Withdrawals Fee Cash Maximum rate for Platinum and Islamic Platinum Cheqeu Acc Cash Withdrawals Fee
FNB Mini ATM FNB Mini ATM Other Banks Mini ATM
Other Banks Mini ATM

Unlimited Unlimited R7,50

R 6.50 + FNB ATM

International ATM (Additional 2.75% International ATM Commission and Conversion (2.75% Commission and fee applies)
Conversion Fee will apply)

R40,00 R40,00

International Branch (Additional 2.75% International Branch Commission and Conversion (2.75% Commission and fee applies) Conversion Fee will apply)

R40,00 + 1.50% of R40,00 +1.50% withdrawal value

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Other Transaction Fees Payable Payments Maximum rate for Platinum and Islamic Platinum Fee Cheqeu Acc
Bank Cheque Stop Payments Online Banking, Cellphone Banking and FNB Banking App Telephone Banking (consultant assisted) FNB Branch Scheduled Payment Related Fees Establishment and Amendment Fees (Online Banking) Establishment Fee (FNB Branch) Amendment Fee (FNB Branch) R74,00 Fee

R5,00

R15,00

R35,00 Fee

Free

R12,50 R9,50

Deposits

Fee

Cheque Deposits

FNB ATM FNB Branch

R16,00

FNB ATM

0.70% of deposit value (min R5,50)

Cash Deposits FNB Branch 1.35% of deposit value (min R30,00)

ENC Upliftment Fee and Special Clearance Deposit of Post-Dated Cheque (per cheque)

R80,00

R80,00

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Balance Enquiries FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and FNB ATMs Other Banks ATM Point-of-Sale International Point-of-Sale Branch and Telephone Banking (consultant assisted)

Fee

Free

R3,95 R1,35 R2,50 R3,95

Statements

Fee

Posted/Printed statement Current Month Emailed Statement First Ofcial Monthly Statement Collected at an FNB Branch FNB ATM Mini Statement Emailing of Historical Statements older than 3 months - Online Banking Emailing of Historical Statements older than 3 months - Branch and Telephone Banking Provisional Statement - Branch and Telephone Banking

R11,50 (per statement) Free

Free

R2,80

R5,50 (per statement)

R11,00 (per statement)

R11,00 (per page)

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Penalty Fees

Fee

Unpaid Cheques/Debit Orders (per item)

R60,00 for 1st 3 thereafter R138,00 per subsequent item within 12 months R100,00 for 1st 3 thereafter R135,00 per subsequent item within 12 months

Honouring Fee (Charged per item in excess of your account limit on accounts with credit agreements before 1 June 2007)

Incidental Credit Fee (Charged per month in excess of your account limit, applies to accounts without credit facilities or with credit agreements after 1 June 2007)

R57,00

Reversal of incorrect Send money to an FNB eWallet transaction

R20,00

Declined Transactions

Fee

FNB ATM (Insufcient Funds or Limit Exceeded) Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other banks ATM

Free

R7,00

Card Replacement Fees FNB Petrol Card Visa Cheque Card/Chip & PIN Card Credit Related Fees Monthly Credit Service Fee (Charged only if the Overdraft is Utilized in excess of R200) Monthly Credit Fee (Revolving Loan) Incidental Credit Fee (Revolving Loan)

Fee R105,00 R105,00 Fee

R30,00

R40,00 R57,00

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of Vouchers Copies Maximum rate for Platinum and Islamic Platinum Fee Cheqeu Acc
(Deposit Slips and Cheques) Online Banking Branch and Telephone Banking Cheque Book Fees Pocket 40 Form Duet 25 Form Loan Related Fees Inititation Fee (once-off) Re-instatement Fee Future Use Withdrawal Fee Valuation/Revaluation Fee Free R20,00 (per side) Fee R38,50 R42,50 Fee R5 700,00 R305,00 R1 325,00 R1 325,00 Levied when home loan is cancelled without giving 90 days notice. Fee is based on outstanding balance of your loan, your interest rate and remaining loan term.

Early Settlement Fee

Convenience and Value Added Service Fees Convenience and Value Maximum rate for Platinum and Islamic Platinum Fee Cheqeu Acc
Added Services

Roadside Assistance

R5,00

LOTTO TM /Powerball Purchase

R1,50

Pay & Clear Now

R38,00

Cardless Cash Withdrawal (Cellphone Banking)

R4,00 + (R6,30 per R500 or part thereof, max R25,20)

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Send Money to an FNB eWallet Value: R20,00 - R1 000,00 Value: R1 000,01 - R2 000,00 Value: R2 000,01 - R3 000,00 Send Money to Zimbabwe Value: R0 - R1 000 Value: R1 001 - R1 500 Additional Statements (fee per month)

Fee R8,50 R12,50 R16,50 Fee R45,00 R70,00 Fee Online Paper R80,00 R32,00 R16,00

Daily Weekly Twice Monthly Balance Alerts (fee per month) Monthly Weekly Daily Electronic Subscription Services (fee per month) My Limit Alert Scheduled Payment Alert Payment Notications Email SMS Fax

R44,00 R20,00 R11,00 Fee R0,90 R2,95 R14,80 Fee

R2,95 R2,75 Fee R0,68 R1,05 R4,85

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Other Fees Card Courier Fee (free for Platinum Cheque Cardholders) Smartphone/Tablet/Laptop Courier Fee Cheque Book Courier Fee Online Banking Password Reset (consultant assisted) Online Banking Account Verication Online Banking Payment History (older than 3 months)

Fee

R120,00

R150,00

R150,00

R52,50

R4,10

R4,10

For any fee or FNB One Account queries please call 087 730 1111or email fnboneaccount@fnb.co.za.

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Encore Cheque Account


For Rewards and Benets you can enjoy on your FNB Encore Cheque Account (designed for customers aged 55 and older), please see Personal Cheque Value Added Benets and Rewards in the Personal Cheque Account section.
You also get:
Preferential interest rates on the Savings Pocket linked to your FNB Encore Cheque Account. (No fees are charged on your Savings Pocket and the more you save, the better your interest rate). 50% discount on the FNB Credit Card Monthly/Annual Card Fee (including Petro Card). FNB Credit Card Terms and Conditions apply. There are three pricing options available to Encore customers: (These are not available for business related use)

1. Standard Encore Pricing Option Who is this option for?


This option is ideal if you are able to maintain a specied credit balance at all times.

How does this option work?


Cheque Balance Option: you will not pay the monthly account fee if you are able to maintain at least R5 000,00 in your Encore Cheque Account at ALL times. This option includes unlimited qualifying electronic transactions, 6 free FNB ATM cash withdrawals and a combination of 3 free branch, cheque and Telephone Banking (consultant assisted) transactions (excluding all cash and cheque deposits) per month. Pocket Savings Option: you will not pay the monthly account fee if you pledge at least R10 000,00 in your Savings Pocket linked to your Encore Cheque Account. This option includes unlimited qualifying electronic transactions, 6 free FNB ATM cash withdrawals and a combination of 3 free branch, cheque and Telephone Banking (consultant assisted) transactions (excluding all cash and cheque deposits) per month.
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2. Unlimited Pricing Option Who is this option for?


This option is best for you if you want to know your fees up front and mainly transact through FNBs electronic channels.

How does this option work?


For a xed fee per month, you get unlimited qualifying electronic transactions, no matter how many you do. You also get 6 free FNB ATM cash withdrawals per month. Additional FNB ATM cash withdrawals are charged for. Excluded are branch transactions, cheque and other banks ATM transactions as well as special instructions and penalty fees which are charged for separately.

3. Mobile Pricing Option Who is this option for?


This option is best for you if you have taken up the FNB Smartphone, Tablet or Laptop offer and mainly transact through FNBs electronic channels.

How does this option work?


For a xed fee per month, you get unlimited qualifying electronic transactions, no matter how many you do. You also get 4 free FNB ATM cash withdrawals per month. Additional FNB ATM cash withdrawals are charged for. Excluded are branch transactions, cheque and other banks ATM transactions as well as special instructions and penalty fees which are charged for separately.

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Encore Cheque Account Pricing


1. Standard Encore Pricing Option Fees that have not changed or have decreased are shown in orange. Monthly Fees Description Fee Maximum rate for Platinum and Fee Islamic Platinum Cheqeu Acc
Account Fee Minimum Balance for Rebate on account fee Subscriptions to inContact, Online, Cellphone, Telephone Banking and the FNB Banking App Petrol Card R100,00 Cheque Balance Option: R5 000,00 Savings Pocket Option: R10 000,00

Free

R13,50

Transaction Fees
Fee Description Card Electronic Channels* Telephone (Consultant) Branch/ Cheque

Card Purchases** FNB Prepaid Purchases*** Unlimited

Unlimited

R8,50 #

FNB Cash Withdrawals (local)****

Unlimited (Cash@Till )
TM

6 free per month. Thereafter R6,30 per R500,00 or part thereof, max R25,20 Unlimited Unlimited Unlimited

R 21,50 + 1.49% of withdrawal value #

Transfers Payments Debit Orders

R11,50 # R11,50 #

R21,50 # R21,50 #

* ** ***

FNB Online Banking, Cellphone Banking, telephone Banking (IVR), FNB Banking App and FNB ATMs. International Commission and Conversion fee of 2.75% of the transaction value applies for international purchases. Prepaid purchases at other banks ATM charged at R7,50.

**** ATM cash withdrawals at other banks ATM charged at R6,50 + (R6,30 per R500,00 or part thereof, max R25,20) from the rst withdrawal. # Free if transaction is within the combined limit of 3 branch and cheque transactions (excluding all cash and cheque deposits) per month. Page 48

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Other Transaction Fees Payable on the Pricing Option


Withdrawals FNB Mini ATM Other Banks Mini ATMs (per R500,00 or part thereof) International ATM (Additional 2.75% Commission and Conversion fee applies) Fee Unlimited

R4,50

R21,50

International Branch (Additional 2.75% Commission and Conversion fee applies)

R21,50 # + 1.50% of withdrawal value

2. Unlimited and Mobile Pricing Option Fees that have not changed or have decreased are shown in orange. Monthly Fees Maximum rate for Platinum and Islamic Platinum Fee Description Fee Cheqeu Acc

Account Fee

R90,00

Device Payment*

Device dependant

Subscriptions to inContact, Online, Cellphone, Telephone Banking and the FNB Banking App

Free

Petrol Card

R13,50

* Only applicable if you have taken up the FNB Smartphone/Tablet/Laptop offer. Refer to www. fnb.co.za for the monthly device payment applicable.

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Transaction Fees
Fee Description Card Purchases** FNB Prepaid Purchases*** Card Electronic Channels* Telephone (Consultant) Branch/ Cheque

Unlimited

Unlimited Unlimited Option: 6 Free per month. Mobile Option: 4 Free per month. Thereafter R6.30 per R500,00 or part thereof, max R25,20 Unlimited Unlimited

R8,50

FNB Cash Withdrawals (local)****

Unlimited (Cash@Till )
TM

R 40,00 + 1.49% of withdrawal value

Transfers Payments Debit Orders

R34,00 R34,00

R40,00 R40,00

Unlimited

* FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and FNB ATMs. ** International Commission and Conversion fee of 2.75% of the transaction value applies for international purchases. *** Prepaid purchases at other banks ATM charged at R7,50. **** ATM cash withdrawals at other banks ATM charged at R6,50 + (R6,30 per R500,00 or part thereof, max R25,20) from the rst withdrawal.

Other Transaction Fees Payable on the Pricing Option


Withdrawals FNB Mini ATM Fee Unlimited

Other Banks Mini ATM

R7,50

International ATM (Additional 2.75% Commission and Conversion fee applies)

R40,00

International Branch (Additional 2.75% Commission and Conversion fee applies)

R40,00 + 1.50% of withdrawal value

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Fees Applicable Irrespective of Pricing Option Selected


Payments Fee Maximum rate for Platinum and Islamic Platinum Cheqeu Acc Bank Cheques Stop Payments Online Telephone (consultant assisted) Branch Scheduled Payment Related Fees Establishment and Amendment (Online) Establishment (Branch) Amendment (Branch) Card Purchases Petrol Card Cheque Deposits FNB ATM FNB Branch FNB ATM Cash Deposits FNB Branch ENC Upliftment Fee and Special Clearance Deposit of Post-Dated Cheque (per cheque) 0.70% of deposit value (min R5,50) 1.35% of deposit value (min R30,00) R80,00 R74,00 Fee R5,00 R15,00 R35,00 Fee

Free Free Free Fee Unlimited Fee

Cheque Deposits

R16,00

R80,00

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Balance Enquiries FNB ATM, Online, Telephone (IVR) & Scheduled Payments Point-of-Sale International Point-of-Sale Other Banks ATM Branch and Telephone Banking (consultant assisted) Statements Posted/Printed Current Month Emailed Statement First Ofcial Monthly Statement Collected at an FNB Branch Cellphone Banking Mini Statement FNB ATM Mini Statement (print or view) Emailing of Historical Statements older than 3 months - Online Banking Emailing of Historical Statements older than 3 months - Branch and Telephone Banking Provisional Statement - Branch and Telephone Banking Penalty Fees

Fee

Free Unlimited Unlimited R3,95 R3,95 Fee R11,50 (per statement) Free Free Free R2,80

R5,50 (per statement)

R11,00 (per statement)

R11,00 (per page)

Fee R60,00 for 1st 3 thereafter R138,00 per subsequent item within 12 months R100,00 for 1st 3 thereafter R135,00 per subsequent item within 12 months

Unpaid Cheque / Debit Order (per item) Honouring Fee (Charged per item in excess of your account limit on accounts with credit agreements before 1 June 2007) Incidental Credit Fee (Charged per month in excess of your account limit, applies to accounts without credit facilities or with credit agreements after 1 June 2007)

R57,00

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Maximum rate for Platinum and Islamic Platinum Cheqeu Acc Penalty Fees Reversal of incorrect Send money to an FNB eWallet transaction Fee

R20,00

Declined Transactions

Fee

FNB ATM Declined (Insufcient Funds or Limit Exceeded) Other (Point-of-Sale, Scheduled Payment, EDO) and other banks ATM

Free

R7,00

Card Replacement Fees

Fee

Electron Petrol Card Cheque / Chip & PIN Credit Related Fees Monthly Credit Service Fee Monthly Credit Fee (Revolving Credit Plan (RCP)) Incidental Credit Fee (Revolving Credit Plan (RCP)) Cheque Books and Vouchers Cheque Book Fees 40 Form 25 Form Vouchers Online Branch and Telephone Banking (consultant assisted)
Page 53

R75,00 R105,00 R105,00 Fee R30,00

R40,00

R57,00

Fee

R38,50 R42,50

Free R20,00 (per side)

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Convenience and Valueand Islamic Platinum Cheqeu Acc Maximum rate for Platinum Fee Added Services Roadside Assistance LOTTO / PowerBall R5,00 R1,50 R4,00 + (R6,30 per R500 or part thereof, max R25,20) R38,00 Fee R8,50 R12,50 R16,50

Cardless Cash Withdrawal

Pay & Clear Now Send Money to an eWallet Value: R20,00 - R1 000,00 Value: R1 000,01 - R2 000,00 Value: R2 000,01 - R3 000,00

Send Money to Zimbabwe Value: R0,00 - R1 000,00 Value: R1 001,00 - R1 500,00 Additional Statements (fee per month)

Fee R45,00 R70,00

Fee Online Paper R80,00 R32,00 R16,00

Daily Weekly Twice Monthly Electronic Subscriptions Services (fee per month) My Limit Alert

R44,00 R20,00 R11,00 Fee

R2,95

Scheduled Payment Alert

R2,75

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Maximum rate for Platinum and Islamic Platinum Cheqeu Acc Convenience and Value Fee Added Services Balance Alert (fee per month) Fee

Monthly

R0,90

Weekly

R 2,95

Daily

R14,80

Payment Notications Email SMS Fax Other Fees Card Courier Fee Device Courier Fee Cheque Book Courier Fee Online Banking Password Reset (Telephone - consultant assisted)

Fee R0,68 R1,05 R4,85 Fee R120,00 R150,00 R150,00

R52,50

Online Banking Account Verication (FNB Accounts and Other Banks Accounts) Viewing of Payment History (older than 3 months)

R4,10

R4,10

For any fee or FNB Encore Cheque Account queries please call 087 575 9404.

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FNB Savings Account


The FNB Savings Account is a exible savings account that allows you to save while giving you easy access to your money.
Who is this product for?
The product is ideal for you if you are looking for a savings account and can maintain a balance of at least R2 000,00.

How do I get a rebate on my banking fees?


You will not pay the monthly account fee if you maintain a balance of at least R2 000,00 in your FNB Savings Account at ALL times.

What other benets will I receive on my FNB Savings Account?


Free Cheque and Debit Card Purchases You can earn attractive interest rates on your savings balance Free monthly emailed statements No subscription fees for Online, Cellphone, Telephone Banking and the FNB Banking App Free inContact

FNB Savings Account Pricing


Fees that not changed or have decreased are shown in orange. Monthly Fees
Fee Description Fee

Account balance of R2 000,00+

Free

Account balance of R2 000,00

R5,80

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Transaction Fees
Fee Description Card Purchases** FNB Prepaid Purchases*** Card Electronic Channels* Telephone (Consultant) Branch/ Cheque

Free Free (Cash@Till TM)

R1,00 R10,60 per R500,00 or part thereof, max R42,40 R5,30 R10,60

R8,50

R33,00 + 1.49% of withdrawal value R33,00 R33,00

FNB Cash Withdrawals (local) Transfers Payments Internal Debit Orders (Payments to FNB) External Debit Orders

R27,50 R27,50

R5,30

R15,90

* FNB Online Banking, Cellphone Banking, FNB Banking App, Telephone Banking (IVR) and FNB ATMs. ** International Commission and Conversion fee of 2.75% of the transaction value applies for international purchases. *** Prepaid purchases at other banks ATM charged at R7,50.

Other Fees Cash Maximum rate for Platinum and Islamic Platinum Cheqeu Acc Withdrawals Fee
FNB Mini ATM (per R500 or part thereof) Other Banks ATM R5,30 R6,50 + R10,60 per R500 or part thereof, max R42,40 Fee FNB ATM Cheque Deposits FNB Branch FNB ATM Cash Deposits FNB Branch

Deposits

R16,00 0.70% of deposit value (min R5,50) 1.35% of deposit value (min R30,00) R80,00

ENC Upliftment Fee and Special Clearance

Any other fees not specically mentioned above are charged at the same rates as Personal Cheque Account Pay-As-You-Use fees. For any queries please call 087 575 9404. Investment fees are detailed in the Investment Pricing Guides.
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Life Start Student Account - For Registered Students


The Life Start Student Account is available to registered full time students aged 18 to 25. At FNB we believe that as a student, managing your cash and nances should be the least of your worries. That is why FNB offers you hassle-free student money management and you do not need to worry about expensive bank charges. There are two pricing options available to Life Start customers:

1. Unlimited Pricing Option


Who is this option for? This option is best for you if you want to know your fees up front and mainly transact through FNBs electronic channels. How does this option work? For a xed monthly fee on your Life Start Student Account you will receive unlimited qualifying electronic transactions, which include: Debit Card purchases (Local and International) Prepaid purchases through FNBs electronic channels Electronic linked account transfers Electronic third party payments Debit orders Scheduled payments and transfers Cash withdrawals at an FNB Mini ATM or Point-of-Sale (Cash@TillTM) Electronic balance enquiries You also get: 6 free FNB ATM cash withdrawals per month. Additional FNB ATM cash withdrawals are charged at Pay-As-You-Use rates. Excluded are branch, cheque and other banks ATM transactions as well as special instructions and penalty fees which are charged for separately.

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You pay no subscription fees for FNBs electronic channels, so you can bank wherever you choose without having to worry about fees before you even start transacting. eChannels include FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and FNB ATMs. You also get free inContact which helps you to manage your nances.

2. Pay-As-You-Use Pricing Option


Who is this option for? This option is ideal if you do not transact regularly. How does this option work? You pay for each transaction according to the applicable transaction fee. You will not pay the monthly account fee if you have at least R500,00 in your account at ALL times. For a low lonthly fee this option offers you: Free card purchases Free withdrawals with Cash@TillTM Free Cellphone Banking transactions which include: Prepaid airtime and electricity purchases Beneciary payments, Pay2Cell and trafc ne payments Internal transfers Mini statements and balance enquiries 1. Unlimited Pricing Option Fees that have not changed or have decreased are shown in orange. Monthly Fees

Fee Description

Fee

Account Fee

R23,50

Subscriptions to inContact, Online Banking, Cellphone Banking, Telephone Banking and the FNB Banking App

Free

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Transaction Fees
Fee Description Card Electronic Channels* Telephone (Consultant) Branch/ Cheque

Card Purchases** FNB Prepaid Purchases***

Unlimited

Unlimited 6 Free per month. Thereafter R6,30 per R500,00 or part thereof, max R25,50 Unlimited Unlimited

R8,50

FNB Cash Withdrawals (local)****

Unlimited (Cash@Till TM)

R40,00 + 1.49% of withdrawal value

Transfers Payments Debit Orders

R34,00 R34,00

R40,00 R40,00

Unlimited

* FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and FNB ATMs. ** International Commission and Conversion fee of 2.75% of the transaction value applies for international purchases. *** Prepaid Purchases at other Banks ATM charged at R7,50. **** ATM Cash Withdrawals at other banks ATM charged at R6,50 + (R6,30 per R500,00 or part thereof, max R25,20) from the rst withdrawal.

Other Fees
Cash Withdrawals Fee

FNB Mini ATM

Unlimited

Other Banks Mini ATM

R7,50

International ATM (Additional 2.75% Commission and Conversion fee applies)

R40,00

International Branch (Additional 2.75% Commission and Conversion fee applies)

R40,00 + 1.50% of withdrawal value

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2. Pay-As-You-Use Pricing Option Fees that have not changed or have decreased are shown in orange. Monthly Fees Description Fee Fee Maximum rate for Platinum and Islamic Platinum Cheqeu Acc
Account Fee R5,00

Minimum Balance for Rebate Subscriptions to inContact, Online Banking, Cellphone Banking, Telephone Banking and the FNB Banking App

R500,00

Free

Transaction Fees
Fee Description Card Purchases** FNB Prepaid Purchases*** Card Electronic Channels* Cellphone Banking Branch/ Cheque

Free

R1,00

Free

FNB Cash Withdrawals (local)****

Free (Cash@Till TM)

R6,30 per R500,00 or part thereof, max R25,20

R33,00 + 1.49% of withdrawal value

Transfers Payments Internal Debit Orders (Payments to FNB) External Debit Orders

R3,30 R7,00

Free Free

R33,00 R33,00

R3,50

R15,90

* FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and FNB ATMs. ** International Commission and Conversion fee of 2.75% of the transaction value applies for international purchases. *** Prepaid purchases at other banks ATM charged at R7,50. **** ATM cash withdrawals at other banks ATM charged at R6,50 + (R6,30 per R500,00 or part thereof, max R25,20) from the rst withdrawal.
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Other Transaction Fees Payable on the Pricing Option


Withdrawals FNB Mini ATM (per R500 or part thereof) Other Banks Mini ATM (per R500 or part thereof) Fee

R3,00

R4,50

Content2.75% to be Provided International ATM (Additional R25,00 Commission and Conversion fee applies) International Branch (Additional 2.75% Commission and Conversion fee applies) Payments and Transfers Telephone Banking (consultant assisted) Prepaid Purchases Telephone Banking (consultant assisted) R25,00 + 1.50% of withdrawal value Fee

R27,50 Fee R8,50

Fees Applicable Irrespective of Pricing Options Selected


Deposits FNB ATM FNB Branch FNB ATM Cash Deposits FNB Branch ENC Upliftment Fee and Special Clearance Deposit of Post-Dated Cheque R16,00 0.70% of deposit value (min R5,50) 1.35% of deposit value (min R30,00) R80,00 R80,00 Fee

Cheque Deposits

Payments

Fee

Bank Cheque

R74,00

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Stop Payments

Fee

Online Banking, Cellphone Banking and FNB Banking App Telephone Banking (consultant assisted) FNB Branch Scheduled Payment Related Fees Establishment and Amendment Fees (Online Banking) Establishment Fee (FNB Branch) Amendment Fee (FNB Branch) Balance Enquiries FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Baking App and FNB ATMs Other Banks ATM Branch and Telephone Banking (consultant assisted) Statements

R5,00

R15,00

R35,00 Fee

Free

R12,50 R9,50 Fee

Free

R3,95 R3,95

Fee

Cellphone Banking Mini Statement FNB ATM Mini Statement (print or view) Emailing of Historical Statements older than 3 months - Online Banking

Free R2,80

R5,50 (per statement)

Emailing of Historical Statements older than 3 months - Branch and Telephone Banking

R11,00 (per statement)

Provisional Statement -Branch and Telephone Banking

R11,00 (per page)

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Penalty Fees

Fee R60,00 for 1st 3 thereafter R138,00 per subsequent item within 12 months Free

Unpaid Cheques/Debit Orders (per item) FNB ATM (Insufcient Funds or Limit Exceeded) Reversal of incorrect Send money to an FNB eWallet transaction Declined Transactions Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other Banks ATM Card Replacement Fees

R20,00

Fee

R7,00

Fee

Card Replacement

R75,00

Convenience and Value Added Service Fees Value Added Fee Cheqeu Acc Convenience Maximum rateand for Platinum and Islamic Platinum
Services LOTTO TM / Powerball Purchases R1,50 R4,00 + (R6,30 per R500 or part thereof, max R25,20) R38,00 Fee R8,50 R12,50 R16,50

Cardless Cash Withdrawal

Pay & Clear Now Send Money to an FNB eWallet Value: R20 - R1000 Value: R1 000,01-R2 000 Value: R2 000,01-R3 000

Send Money to Zimbabwe Value: R0 - R1 000 Value: R1 001 - R1 500

Fee R45,00 R70,00

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Additional Statements Fee Cheqeu Acc (fee Maximum rate for Platinum and Islamic Platinum per month)
Online Daily Weekly Twice Monthly Electronic Subscription Services (fee per month) My Limit Alert Scheduled Payment Alert Balance Alert (fee per month) Monthly Weekly Daily R44,00 R20,00 R11,00 Fee R2,95 R2,75 Fee Paper R80,00 R32,00 R16,00

R0,90 R2,95 R14,80

Payment Notications Email SMS Fax Other Fees Card Courier Fee Online Banking Password Reset (consultant assisted) Online Banking Account Verication (FNB Accounts and Other Banks Accounts) Viewing of Payment History (older than 3 months)

Fee R0,68 R1,05 R4,85 Fee R120,00 R52,50 R4,10

R4,10

For any fee or FNB Life Start Student Account related queries please call 087 575 9404.
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Fluid Account For Youth and Teens


The Fluid Account is a transactional and savings account designed to meet the needs of customers 18 years and younger. There are two pricing options from which you can choose:
1. Standard Pricing Option Who is this option for?
This option is best for you if you do not transact regularly and you are able to maintain a balance of R500,00 in your account at ALL times.

How does this option work?


You will not pay the monthly account fee if you have at least R500,00 in your account at ALL times. Irrespective of your account balance, you will receive 2 free qualifying debits per month, after which you will be charged an applicable fee per transaction. Qualifying debits include: FNB ATM cash withdrawals Payments Transfers Debit orders Local Card Purchases and Electronic Prepaid Purchases are free.

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2. Unlimited Pricing Option Who is this option for?


This option is best for you if you want to know your fees up front and mainly transact through FNBs electronic channels.

How does this option work?


For a xed fee per month, you get unlimited qualifying electronic transactions, no matter how many you do. You also get 6 free FNB ATM cash withdrawals per month. Additional FNB ATM cash withdrawals are charged for. Excluded are branch transactions, cheque and other banks ATM transactions as well as special instructions and penalty fees which are charged for separately.

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Fluid Account Pricing


1. Standard Pricing Option Fees that have not changed or have decreased are shown in orange. Monthly Fees Maximum rate for Platinum and Islamic Platinum Fee Description Fee Cheqeu Acc
Account Fee Minimum Balance for Rebate Subscriptions to inContact, Online Banking, Cellphone Banking, Telephone Banking and the FNB Banking App R5,80 R500,00

Free

Transaction Fees
Fee Description Card Electronic Channels* Telephone (Consultant) Branch/ Cheque

Card Purchases** FNB Prepaid Purchases*** FNB Cash Withdrawals (local)**** Transfers Payments Internal Debit Orders External Debit Orders

Free

Free R6,30 per R500,00 or part thereof, max R25,20 R3,30 R7,00 R3,50 R15,90

R8,50

R33,00 + 1.49% of withdrawal value R33,00 R33,00

Free (Cash@Till TM)

R27,50 R27,50

* ** *** ****

FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and FNB ATMs. International Commission and Conversion fee of 2.75% of the transaction value applies for international purchases. Prepaid purchases at other banks ATM charged at R7,50. ATM cash withdrawals at other banks ATM charged at R6,50 + (R6,30 per R500 or part thereof, max R25,20) from the rst withdrawal.

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Other Transaction Fees Payable on the Pricing Option


Withdrawals Other Banks Mini ATM (per R500 or part thereof) International ATM (Additional 2.75% Commission and Conversion fee applies) International Branch (Additional 2.75% Commission and Conversion fee applies) FNB Mini ATM (per R500,00 or part thereof) Fee R4,50

R25,00 R25,00 + 1.50% of withdrawal value R3,00

2. Unlimited Pricing Option Fees that have not changed or have decreased are shown in orange. Monthly Fees Fee Maximum rate for Platinum and Islamic Platinum Description FeeCheqeu Acc
Account Fee Subscriptions to inContact, Online Banking, Cellphone Banking, Telephone Banking and the FNB Banking App R23,50

Free

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Transaction Fees
Fee Description Card Electronic Channels* Telephone (Consultant) Branch/ Cheque

Card Purchases** FNB Prepaid Purchases***

Unlimited

Unlimited 6 Free per month. Thereafter R6,30 per R500,00 or part thereof, max R25,20 Unlimited Unlimited Unlimited

R8,50

FNB Cash Withdrawals (local)****

Free (Cash@Till TM)

R40,00 + 1.49% of withdrawal value

Transfers Payments Debit Orders

R34,00 R34,00

R40,00 R40,00

* ** *** ****

FNB Online Banking, Cellphone Banking,Telephone Banking (IVR), FNB Banking App and FNB ATMs. International Commission and Conversion fee of 2.75% of the transaction value applies for international purchases. Prepaid purchases at other banks ATM charged at R7,50. ATM cash withdrawals at other banks ATM charged at R6,50 + (R6,30 per R500,00 or part thereof, max R25,20) from the rst withdrawal.

Other Transaction Fees Payable on the Pricing Option


Withdrawals Fee

FNB Mini ATM Other Banks Mini ATM

Unlimited R7,50

International ATM (Additional 2.75% Commission and Conversion fee applies)

R40,00

International Branch (Additional 2.75% Commission and Conversion fee applies)

R40,00 + 1.50% of withdrawal value

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Fees Applicable Irrespective of Pricing Option Selected


Maximum rate for Platinum and Islamic Platinum Cheqeu Acc Payments Fee Bank Cheque Stop Payments Online Telephone Banking (consultant assisted) Branch Scheduled Payment Related Fees Establishment and Amendment (Online) Establishment (Branch) Amendment (Branch) R74,00 Fee R5,00

R15,00

R35,00 Fee

Free R12,50 R9,50

Deposits

Fee

Cheque Deposits

FNB ATM FNB Branch

R16,00

FNB ATM Cash Deposits FNB Branch

0.70% of deposit value (min R5,50) 1.35% of deposit value (min R30,00)

ENC Upliftment and Special Clearance Fee Deposit of Post-Dated Cheque (per cheque)

R80,00

R80,00

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Maximum rate for Platinum and Islamic Platinum Cheqeu Acc Balance Enquiries Fee FNB ATM, Online, Telephone (IVR) & Scheduled Point-of-Sale International Point-of-Sale Other Banks ATM Branch and Telephone Banking (consultant assisted) Statements Posted/Printed Statement Current Month Emailed Statement First Ofcial Monthly Statement Collected at an FNB Branch Cellphone Banking Mini Statement FNB ATM Mini Statement (print or view) Emailing of Historical Statements older than 3 months - Online Banking Emailing of Historical Statements older than 3 months - Branch and Telephone Banking Provisional Statement -Branch and Telephone Banking Penalty Fees Free R1,35 R2,50 R3,95 R3,95

Fee R11,50 (per statement) Free Free Free R2,80

R5,50 (per statement)

R11,00 (per statement)

R11,00 (per page)

Fee R 60,00 for 1st 3 thereafter R138,00 per subsequent item within 12 months Free

Unpaid Cheque / Debit Order (per item) FNB ATM Declined (insufcient funds or limit exceeded) Other (Point-of-Sale, Scheduled Payment, EDO) and other banks ATM Card Replacement Reversal of incorrect Send money to an FNB eWallet transaction

R7,00 R75,00

R20,00

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Convenience and Value Added Service Fees


Maximum rate for Platinum and Islamic Platinum Cheqeu Acc Convenience and Value Fee Added Services R 4,00 + (R6,30 per R500 thereafter, max R25,20) R38,00 Fee R8,50 R12,50 R16,50 Fee R2,95 R2,75 Fee R14,80 R 2,95 R0,90 Fee R0,68 R1,05 R4,85 Fee R120,00 R52,50

Cardless Cash Withdrawal

Pay & Clear Now Send money to an FNB eWallet Value: R20 - R1 000 Value: R1 000,01-R2 000 Value: R2 000,01-R3 000 Electronic Subscription Services (fee per month) My Limit Alert Scheduled Payment Alert Balance Alert (fee per month) Daily Weekly Monthly Payment Notications Email SMS Fax Other Fees Card Courier Fee Online Banking Password Reset (consultant assisted) Online Banking Account Verication (FNB Accounts and Other Banks Accounts) Viewing of Payment History (older than 3 months)

R4,10

R4,10

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The Shariah Compliant Youth Account


The above pricing also applies to the Shariah Compliant Youth Account with these exceptions: You need to keep a minimum account balance of R30,00* You will not earn any credit interest on this account. For any fee or FNB Fluid Account queries please call 087 575 9404.
* This minimum account balance does not apply to the minimum balance for rebate.

eWallet from FNB

With eWallet, you can send money instantly to a valid South African cellphone number. The recipient can access money in the eWallet and doesnt even need a bank account.

With FNB eWallet, you can:


Withdraw cash at an FNB ATM Deposit cash into eWallet at FNB ADTs (ATMs with automated deposits) Purchase prepaid airtime, data and electricity Send money to another cellphone Shop online using FNB Cell Pay Point

The eWallet user gets 1 free withdrawal with each send.

The eWallet user can withdraw all the funds at once, or leave some of the funds to spend later. Its fast, safe and simple!
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Fee Description
Send Money from an FNB eWallet to another FNB eWallet Deposit cash into eWallet at FNB ADTs (ATMs with automated deposits) Monthly Fee Monthly Dormancy Fee (only charged after 6 consecutive months of inactivity) Payments to a bank account

Fee
R8,50 R5,00 Free R5,00

R2,50

Purchases
Purchase in-store Prepaid purchase

Fee
Free R2,50

Cash Withdrawals
FNB ATM Cash Withdrawals (rst withdrawal per send is free)

Fee
R6,00 per R500,00 (max R18,00) Free Free

Cash@Till TM Statements and Balance Enquiries

The following fee will be charged to the senders account when sending money to an FNB eWallet:
Fee Description
Value: R20,00 R1 000,00 Value: R1 000,01 - R2 000,00 Value: R2 000,01 - R3 000,00

Fee
R8,50 R12,50 R16,50 Free (Unlimited Option) R3,30 (Pay-As-YouUse Option)

Transfer from your FNB account to your eWallet

Visit www.fnb.co.za for more information or call 087 575 9405 Terms and Conditions apply.
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Credit Card
FNB Credit Card is no longer just about credit, it has grown into the ultimate transactional tool giving you real value and benets that make life rewarding with everyday savings.
FNB Credit Card offers the following FREE Value-added Services* :
Included: (part and parcel of your product)

Comprehensive Global Travel Insurance Automatic Debt Protection Lost Card Protection PIN Replacement AA Emergency Roadside Assistance (Petro Cards only)

Optional: (customer needs to apply)

Online Banking Subscriptions Telephone Banking Subscriptions Cellphone Banking Subscriptions inContact (SMS / email notication) Decline inContact

FNB Credit Card offers the following Rewards you can earn* :
eBucks Rewards on Fuel Rewards on Airtime
Visit www.fnb.co.za for more information or call 087 575 1111 * Terms and Conditions apply.

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eBucks* (Classic, Gold and Platinum Credit Cards only)


eBucks is FNBs innovative rewards programme. You can enjoy being rewarded by swiping your FNB Credit Card.

Credit Card Annual eBucks Fee

R200,00 (per annum, per account on the anniversary of the Fee)

Earn rate: (Straight & Budget)

eB1 for every R10 spent

Loyalty Cap: Classic Credit Card Gold Credit Card Platinum Credit Card

Straight

Budget

R5 000 ,00

Unlimited

R10 000,00

Unlimited

R20 000,00

Unlimited

There is no minimum card spend required for you to start earning eBucks, but rewards will only be paid out once the minimum payment for that specic account is made. Excluded transactions include fuel purchases, cash withdrawals, third party payments, balance transfers, electronic fund transfers (EFTs) and gaming transactions.

Rewards you can earn*


You can now earn Rewards on your fuel AND airtime purchases!

Fuel Get up to 15% back in eBucks or 10% back in cash on your qualifying fuel purchases made with your FNB Credit or Linked Petro Card. Airtime Get up to 15% back in eBucks or 10% back in cash on your qualifying prepaid airtime purchases made through FNBs electronic channels (Online Banking, Cellphone Banking and the FNB Banking App).

Visit www.fnb.co.za for more information.

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Value-added Services* :
Comprehensive Global Travel Insurance
Get free Comprehensive Global Travel Insurance for every ticket purchased with your FNB Credit Card. This innovative service gives travel ticket holders Comprehensive Global Travel Insurance, both locally and internationally. Theres no need to buy additional top-up cover.

AA Emergency Roadside Assistance


(Petro Cards only) Free AA Emergency Roadside Assistance, giving you peace of mind motoring includes call-out & tow-in services. This benet now includes a new Stand By You service. Request this service when your car breaks down and an armed security guard will stay with you until the AA patrolman arrives.

Debt Protection Plan


Automatic Debt Protection protects you and your family, at no additional cost, from the outstanding debit balance on your FNB Credit Card account or the specied maximum amount as stated in the table below, whichever is the lesser at the time of your death or permanent disability. We offer Top-up Debt Protection Plan (TDPP) as a top-up to Automatic Debt Protection to extend your specied maximum debt cover at an additional cost, as per the table below.

Automatic Debt Protection (ADP) Premium Classic Credit Card Specied Maximum Amount

Top-up Debt Protection Plan (TDPP) Premium Specied Maximum Amount

Total cover

Free

R2 000,00

R6,00 / R1 000,00

R48 000,00

R50 000,00

Gold Credit Card

Free

R5 000,00

R5,00 / R1 000,00

R75 000,00

R80 000,00

Platinum Credit Card

Free

R12 000,00

R5,00 / R1 000,00

R88 000,00

R100 000,00

Standalone Petro Card

Free

R1 000,00

R6,00 / R1 000,00

R9 000,00

R10 000,00

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SLOW
Platinum Credit Card customers enjoy exclusive access to SLOW Domestic Lounges, which can be found at the Domestic Terminals of O.R. Tambo International, Cape Town International and King Shaka International Airports. Qualifying criteria and terms of usage are detailed in the tables below. Terms, Conditions and Rules Apply.

Meet the qualifying criteria by:


Having an active Platinum Credit Card in good standing** Having total monthly swipes to the value of at least R5 000,00 on your Platinum Credit Card in the billing / statement period preceding your visit
* ** Terms and Conditions apply. An account in good standing means that none of your FNB and FirstRand Bank accounts and credit agreements should be overdrawn, or be in arrears, or be in default, or be subject to any legal process with FNB or FirstRand Bank as dened in our Ts & Cs.

SLOW Domestic Lounges


Do you meet the qualifying criteria? Peak time allocation
2 free SLOW Lounge visits per billing/ statement period for cardholders only. No guest visits.

Off-peak time allocation


4 free SLOW Lounge visits per billing/ statement period for the cardholder (including guests).

R250,00 pp

R250,00 pp

Note: Peak times are on Weekdays (Mon-Fri): 04h45-07h00 and 15h00-17h30 as well as on Sundays: 15h00 - 17h30. All entries are non-transferrable, with any additional entries (in excess of those mentioned above and where qualifying criteria has been met) being charged at R250,00 pp (peak) & R125,00 pp (off-peak).

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SLOW International
For a limited period only, Platinum Credit Card customers can enjoy exclusive access to the SLOW International Lounge located at the International Terminal of O.R. Tambo International Airport. Any additional entries in excess of those mentioned above and where qualifying criteria has been met is charged at R250,00 per person.

Do you meet the qualifying criteria?

Charges

R250,00 pp (50% discount) R75,00 per child between the ages of 2-18years

R500,00 pp

SLOW in the City


Platinum Credit Card customers also enjoy exclusive access to SLOW in the City located in the heart of Sandton. Please note that these facilities are charged for, and they are available to Platinum Credit Card customers for a limited time only.
Please note that Terms, Conditions and Rules apply. For further details on all your Rewards and Benets, visit www.fnb.co.za.

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For ease of reference, monthly NCA Card fees for our product range have been segmented below. Fees that have not changed or have decreased are shown in orange.

Card Fees

Additional Card Fees (per card linked to account)

Classic Credit Card

R24,50

R11,66

Gold Credit Card

R28,00

R11,66

Platinum Credit Card

R55,00

R12,50

Standalone Petro Card

R27,04

R27,04

Denitions:
Card Fee:
Refers to the costs of account and transactional maintenance of your Primary Card Account.

NCA Customers (Credit agreements after 1 June 2007). You are an NCA customer if: You entered into a credit agreement with us on or after
1 June 2007.

You were an existing FNB Credit Card customer, who after


1 June 2007 chose to re-contract with us.

Usury Customers (Credit agreements prior to


1 June 2007 - Governed by the Usury Act).

You are a Usury customer if: You were a customer of FNB Credit Card prior
to 1 June 2007.

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es

Linked Petro Card (per card linked to account)

Initiation Fee (once-off)

R12,50

R135,00

R12,50

R135,00

R12,50

R135,00

Not applicable

R135,00

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Other FNB Credit Card Related Fees

Purchases Maximum rate for Platinum and Islamic Platinum Fee Cheqeu Acc
Credit Card Purchase (Local)* Credit Card Budget Purchase Fuel Transaction Fee (Petro Cards only) Cash Withdrawal Fees FNB ATM (per R500,00) Other Banks ATM FNB Mini ATM (per R500,00 or part thereof) Other Banks Mini ATM (per R500,00 or part thereof) Branch (includes all nancial institution branches and the purchase of foreign exchange) Cash on Budget % of value : Platinum Gold Classic International^ (ATM and Branch) Deposits Cheque Deposits (free for Encore) FNB ATM with Automated Deposit Terminal (ADT): % of value Minimum Cheque Clearance Fee FNB Branch and FNB ATM with envelope deposits: % of value Minimum Free Free R4,50

Fee R6,30 (max R25,20) R6,50 + FNB ATM Fee R3,00

R4,50 R33,00 + 1.49% of withdrawal value R45,00 + % of withdrawal value 2.00% 2.25% 2.50% R27,00 + 1.60% of withdrawal value Fee

R16,00

0.70% R5,50 R240,00

1.35% R30,00

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Account Fee Cheqeu Acc Linked Maximum rate for Platinum and Islamic Platinum
Transfers & Account Payments IVR Smart Transfer to FNB Linked Account Transfers Third Party Payments Telephone Banking (consultant assisted) Transfers and Payments at Branch Balance Enquiries FNB ATM FNB Branch International Other Banks ATM Voucher Retrieval Requests Local International Free R3,30 R7,00 R34,00

R40,00

Fee Free R3,95 R3,95 R3,95 Fee R70,00 R240,00

Statements Current monthly statement (email) Current monthly statement (post) Dual statement (email & post) FNB ATM Mini Statement (view or print) FNB Branch

Fee

Free Free

R15,00

R2,80

R5,00 (per request R1,00 per page thereafter, max R50,00)

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Statements (continued) Historical Statements

Fee

Paper statement

R5,00 (per request R1,00 per page thereafter, max R50,00) R5,00 Fee Free R60,00 R330,00 R90,00 R33,50

Email (per statement)

Other Fees Changes to Account Limits Bank Cheque Administration Fee Special Arrangement Fee Reschedule Fee Budget Facility Setup Fee (if not done at Point of Sale) Unpaid Fees Temporary Credit Service Fee** (only applicable to NCA accounts with credit agreements after 1 June 2007) Section 129 Letter Fee Declined Transaction Fee Arrears Fee (only applicable to NCA accounts with credit agreements after 1 June 2007) Card Replacement Fee Fast-track Card Replacement Fee (per card) Card Courier Personal Delivery Card Delivery to the nearest FNB Branch

R230,00

R55,00

R35,23 R7,00

R125,00

R105,00

R385,00 R195,00

Free

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Convenience Fees Send money to an FNB eWallet Value: R20,00 R1 000,00 Value: R1 000,01 R2 000,00 Value: R2 000,01 R3 000,00 Reversal of incorrect Send money to an FNB eWallet transaction Cardless Cash Withdrawal (Cellphone Banking) Pay2Cell LOTTO TM / PowerBall Purchase Prepaid Transaction Fee (FNB ATM, Cellphone, Online & Telephone Banking)

Fee

R8,50 R12,50 R16,50 R20,00

R4,00 + FNB ATM Fee R3,30 R1,80

R1,80

* ^ **

International Currency Commission and Conversion Fee of 2.75% of the transaction value applies for International purchases. This fee is subject to exchange rate uctuations and may be reviewed quarterly. Some international ATMs charge an additional surcharge. A monthly service fee in accordance with the National Credit Act and not exceeding the maximum permissible. Card fees are not negotiable.

Important information: Fees that have not changed or have decreased are shown in orange.

The above pricing is inclusive of VAT. The 50% Encore discount applies to the Card Fees of the Primary
Credit Card and Linked Petro Card. The 50% discount does not apply to additional cards. FirstRand Bank Limited reserves the right to amend product features or pricing at anytime with reasonable notice. We further reserve the right to re-price our products at anytime subject to Regulatory or Legislative changes. A detailed copy of the pricing is available at your nearest FNB Branch and on the website. NCA interest rates are personalised and appear on the Credit Card Statement. Visit our website at www.fnb.co.za for a copy of the Terms and Conditions that govern our agreement. Should you require further information on any FNB Credit Card products or services, please contact FNB Credit Card Customer Enquiries on 087 575 1111.
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FNB Forex
Whether you are sending a monetary gift to loved ones, making travel arrangements for that special trip, investing abroad or paying tuition to Oxford. we can help you get it done quickly and easily.
The majority of Forex services are available by using the Forex tab via FNB Online Banking, 24/7/365.

Global Payments: Sending, Paying or Receiving Money from abroad The fast and easy way to transact around the world and well reward you for it.

Rewards
Sending Money When sending or making payments online in a foreign currency you receive 15% back in eBucks on the transaction charges. Receiving Money Settle your inward payments online and you receive 15% back in eBucks on the transaction charges. Standing Instruction with Forex If you receive money from abroad in foreign currency on a regular basis, give us permission to convert these payments on your behalf and get 25% back in eBucks on the transaction charges* More Payment options We also offer MoneyGram and PayPal services.

*Standing Instructions apply to gifts, salaries, pension, alimony and annuities.

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Fees that have not changed or have decreased are shown in orange.

Travel Products bought from FNB


Cash Passport Initial Card Fee Travellers Cheques Foreign Notes LSL, NAD, SZL Notes

Flat Fee

Commission

Min

Max

R110,00 -

1,900% 1,950% 1,900% 2,430%

R65,00 R100,00 R70,00 R80,00

no max no max no max no max

Travel Products sold to FNB


Cash Passport If originally bought from FNB and proceeds are credited to an FNB Transactional Account If proceeds are credited to an account other than an FNB Transactional Account Cash Passport If originally bought from FNB and proceeds are credited to an FNB Transactional Account If proceeds are credited to an account other than an FNB Transactional Account

Flat Fee

Commission

Min

Max

free

1,900%

R65,00

no max

free

1,950%

R100,00

no max

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Travel Products sold to FNB


Foreign Notes LSL, NAD, SZL Notes

Flat Fee
-

Commission
1,900% 2,430%

Min
R70,00 R80,00

Max
no max no max

International Payments: The fast and easy way to transact across the globe Foreign Exchange Transfers abroad
Outward Payments Outwards Swift Swift Charge ZAR Charge Unpaid/Return Fee Foreign Cheques Draft Charge Unpaid/Return Fee R100,00 R100,00 R150,00 0,50% R130,00 R660,00 -

Flat Fee

Commission Min

Max

R100,00 R150,00

0,750% -

R165,00 -

R770,00 -

Foreign Exchange Transfers from abroad


Inward Payments Inwards Swift ZAR Charge Unpaid/Return Fee Foreign Cheques Unpaid/Return Fee

Flat Fee

Commission Min

Max

0,480% R100,00 R150,00 R150,00 0,750% -

R130,00 R165,00 -

R660,00 R770,00 -

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Other Fees
Global Account Transfers Fee

Transfer to/from your Rand current account Transfer between Global Accounts Withdrawal or deposit using another Forex product Credit Interest rate

R50,00

R50,00 Charges levied as per Forex product used Enquire at Forex

Delivery
Delivery Charge Failed Delivery Charge (if customer is not available when appointment was made) Security Charge (for deliveries of value greater than R100 000) R135,00

R125 ,00

R170,00 per R10 000,00 over R100 000,00

Other Services
Visa Letters Exchange Control Applications to the SARB Attesting Forms NEP On request R1 140,00 On request

International debit card usage


International Commission and Conversion fee on purchases and cash withdrawals 2,75% of transaction value

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MoneyGram*
Send Amount (USD) Send
$0 $50,01 $100,01 $150,01 $200,01 $250,01 $300,01 $400,01 $500,01 $600,01 $700,01 $800,01 $900,01 $1 000,01 $1 200,01 $1 500,01 $1 800,01 $2 500,01 $5 000,01 $7 500,01

Send Fee (USD)

To
$50,00 $100,00 $150,00 $200,00 $250,00 $300,00 $400,00 $500,00 $600,00 $700,00 $800,00 $900,00 $1 000,00 $1 200,00 $1 500,00 $1 800,00 $2 500,00 $5 000,00 $7 500,00 $10 000,00 $7,00 $10,00 $11,00 $13,00 $15,00 $17,00 $19,00 $24,00 $29,00 $34,00 $39,00 $44,00 $49,00 $55,00 $63,00 $70,00 $90,00 $140,00 $240,00 $290,00

* Pricing set by MoneyGram and subject to change at their discretion.

For further information on our products and solutions, visit us at www.fnb.co.za/forex or call 0860 1 Forex (36739).

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Global Accounts
Global Accounts are available to existing FNB Cheque Account customers who are SA residents and forms part of a customers South African banking prole.

Global Accounts are offered in the following currencies: US Dollars British Pounds Euros Australian Dollars Indian Rupees

There is no monthly account fee on a Global Account and the accounts can be opened online via www.fnb.co.za. Global Account Transfers and Payment
Transfer between your FNB Cheque Account and your Global Account Transfer between your Global Accounts Outward SWIFT

R50,00

R50,00 Refer to Foreign exchange transfers abroad Refer to Foreign exchange transferred from abroad

Inward SWIFT

Interest is paid on Global Accounts and no minimum balance is required. Rates are subject to change. For Credit Interest Rates, refer to Rates on www.fnb.co.za.

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Important information
FirstRand Bank Ltd reserves the right to change pricing and package pricing or introduce new fees from time to time. We will give you at least 20 business days notice of these changes on the FNB website or on FNB ATMs. Errors and omissions are excluded. You must apply for each facility or product we describe individually. The grant of any facility or product is subject to you meeting the credit and qualifying criteria of that product or facility. Each facility or product has the normal terms and conditions that apply to that facility or product. We agree these terms and conditions with the applicant. If there is conict between such terms and conditions and those in the brochure, we will follow the normal terms and conditions that apply to such facility or product. The Bank reserves the right to change at any time the features of any product or facility. First National Bank, a division of FirstRand Bank Ltd, is an Authorised Financial Services and Credit Provider.

Standard Terminology
To assist you in comparing FNBs charges with those of other banks, we have, as far as possible, used standardised terminology throughout this guide. This is in accordance with Section 13 of the Code of Banking Practice (COBP). In the case where we have used FNB-specic terminology, we have added the table below indicating the appropriate standardised terminology which may be used by other banks.

FNB Term (as per pricing guide) Card purchase Payment Cheque

Standardised Terminology

Card transaction Third party payment/Stop order Cheque payment/Cheque encashment

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Notes:

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Notes:

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