Beruflich Dokumente
Kultur Dokumente
997098 Mar13
2013/05/07 2:36 PM
2013/05/07 2:36 PM
Index
Introduction 1
Personal Cheque Account Rewards and Benets 3 5
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
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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
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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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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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Rewards:
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Rewards:
eBucks Discounts
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.
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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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.
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.
Platinum Cheque Cardholders enjoy exclusive access to SLOW Domestic Lounges and SLOW International.
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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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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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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New
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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.
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.
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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
300MB
200MB
100MB
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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.
* 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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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).
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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Monthly Fees Fee Description Gold & Islamic Gold Cheque Account
R100,00 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
Unlimited
R8,50
Unlimited Option: 4 Free per month. Mobile Option: 6 Free per month. Thereafter R6,30 per R500,00 or part thereof, max R25,20
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
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Account Fee*
R30,00
R38,00
R9 000,00
R9 000,00
Subscriptions to inContact, Online, Cellphone, Telephone Banking and the FNB Banking App
Free
Free
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
R1,00^
Free
FNB Cash Withdrawals (local)**** Fee Saver: If balance kept, 6 free per month - thereafter fee applies
Transfers
R3,30^
Free
R33,00 #
Payments
R7,00^
Free
R33,00 #
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
^ 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.
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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)
Deposits
Fee
Cheque Deposits
R16,00
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
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
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
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
R105,00 R105,00
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
Free
Cheque Book Fees Pocket 40 Form Duet 25 Form Convenience and Value Added Service Fees Roadside Assistance LOTTO /Powerball Purchase
TM
Fee R5,00 R1,50 R38,00 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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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
R150,00
Online Banking Password Reset (consultant assisted) Online Banking Account Verication
R52,50
R4,10
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)
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Rewards:
One Account
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Rewards:
One Account
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.
3G Data
exclusive to active FNB Tablet, Smartphone or Laptop Contract holders. Get up to 500MB free monthly 3G Data.
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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
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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:
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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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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.
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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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.
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*
500MB
400MB
300MB
200MB
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.
* 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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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).
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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Monthly Fees
Fee Description Fee
Account Fee (Includes monthly Visa Cheque Card and Lost Card Protection fees)
R110,00
Service Fee
R180,00
Device dependent
Subscriptions to inContact, Online, Cellphone, Telephone Banking and FNB Banking App
Free
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
Unlimited
Unlimited
R8,50
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
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
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)
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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
R16,00
FNB ATM
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
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
Free
R2,80
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Penalty Fees
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
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
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)
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.
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
R1,50
R38,00
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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
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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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Free
R13,50
Transaction Fees
Fee Description Card Electronic Channels* Telephone (Consultant) Branch/ Cheque
Unlimited
R8,50 #
Unlimited (Cash@Till )
TM
6 free per month. Thereafter R6,30 per R500,00 or part thereof, max R25,20 Unlimited Unlimited Unlimited
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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R4,50
R21,50
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
Unlimited (Cash@Till )
TM
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.
R7,50
R40,00
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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
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
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
R40,00
R57,00
Fee
R38,50 R42,50
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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
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)
Daily Weekly Twice Monthly Electronic Subscriptions Services (fee per month) My Limit Alert
R2,95
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)
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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Free
R5,80
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Transaction Fees
Fee Description Card Purchases** FNB Prepaid Purchases*** Card Electronic Channels* Telephone (Consultant) Branch/ Cheque
R1,00 R10,60 per R500,00 or part thereof, max R42,40 R5,30 R10,60
R8,50
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
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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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.
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
Unlimited
Unlimited 6 Free per month. Thereafter R6,30 per R500,00 or part thereof, max R25,50 Unlimited Unlimited
R8,50
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
Unlimited
R7,50
R40,00
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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
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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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
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
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
Emailing of Historical Statements older than 3 months - Branch and Telephone Banking
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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
Pay & Clear Now Send Money to an FNB eWallet Value: R20 - R1000 Value: R1 000,01-R2 000 Value: R2 000,01-R3 000
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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
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
For any fee or FNB Life Start Student Account related queries please call 087 575 9404.
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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
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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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
Unlimited
Unlimited 6 Free per month. Thereafter R6,30 per R500,00 or part thereof, max R25,20 Unlimited Unlimited Unlimited
R8,50
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.
Unlimited R7,50
R40,00
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R15,00
R35,00 Fee
Deposits
Fee
Cheque Deposits
R16,00
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 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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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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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.
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
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)
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)
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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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.
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).
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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.
Automatic Debt Protection (ADP) Premium Classic Credit Card Specied Maximum Amount
Total cover
Free
R2 000,00
R6,00 / R1 000,00
R48 000,00
R50 000,00
Free
R5 000,00
R5,00 / R1 000,00
R75 000,00
R80 000,00
Free
R12 000,00
R5,00 / R1 000,00
R88 000,00
R100 000,00
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.
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.
Charges
R250,00 pp (50% discount) R75,00 per child between the ages of 2-18years
R500,00 pp
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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
R24,50
R11,66
R28,00
R11,66
R55,00
R12,50
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 are a Usury customer if: You were a customer of FNB Credit Card prior
to 1 June 2007.
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es
R12,50
R135,00
R12,50
R135,00
R12,50
R135,00
Not applicable
R135,00
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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
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
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
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
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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
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
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.
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Fees that have not changed or have decreased are shown in orange.
Flat Fee
Commission
Min
Max
R110,00 -
Flat Fee
Commission
Min
Max
free
1,900%
R65,00
no max
free
1,950%
R100,00
no max
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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 -
Flat Fee
Commission Min
Max
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
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
Other Services
Visa Letters Exchange Control Applications to the SARB Attesting Forms NEP On request R1 140,00 On request
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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
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
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
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Notes:
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Notes:
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