Upload
lamdang
View
236
Download
2
Embed Size (px)
Citation preview
Introduction
Keeping Banking Simple
Easy Account
Smart Account
and Islamic Smart
Account
Personal Cheque Account
and Islamic Personal Cheque Account
Encore Cheque Account
Youth (Fluid) Account
and Islamic account
Student (Lifestart) Account
Savings Account
Credit Card
eWallet
Forex
Global accounts
MoneyGramTM
The Small Print
Home
understand your bank fees.Personal Pricing Guide 1 July 2014 - 30 June 2015
First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).20
14 -
201
5
Introduction
Congratulations on making the right choice and banking with FNB. This guide has everything you need to understand how your bank fees are charged. It will also help you use your account in the safest and cheapest way.
Prices include VAT and are valid from 1 July 2014 to 30 June 2015. The fees outlined in this guide are
FNB’s most common fees – for a detailed list of fees on your account, please visit www.fnb.co.za or chat to
a consultant in an FNB Branch.
FNB is making banking easier, quicker, safer and cheaper for you to do your day-to-day banking. We want
you to pay less, and get more – so we have made some of the most key functions of your account FREE:
• To check your balance using eChannels and Mobile Channels
• You pay no fees when you use your FNB Debit, Cheque or Credit Card to pay
• Access to Cellphone Banking, Online Banking and the FNB Banking App (there are no subscription fees)
• For FNB to change your debit orders and switch your salary to your new account
• FREE InContact; we’ll SMS you every time more than R100 goes into, or out of, your account
• Cash@TillTM; no charge for withdrawing cash at till points at selected retailers when you use your Card to
pay for your shopping
eChannels consist of the following:
• FNB ATM
• Online Banking
• Telephone Banking (self-help)
Mobile Channels consist of the following:
• Cellphone Banking
• FNB Banking App (for Smartphone & Tablet)
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Keeping Banking Simple
1. Go cashless
• Using cash is normally the most expensive way of banking (and also the most unsafe as it is easy
to steal or lose cash)
• Paying for shopping with your FNB Card is cheaper and safer than using cash
• Doing your banking at an FNB ATM, Online Banking or using your cellphone is quicker and cheaper
than going into a branch
• The cheapest way to get money into your account is by electronic transfer
• If you want to put cash into your account – use an FNB ATM, and your cash will be available in your
account straight away. You can deposit your money any time (day or night)
Checking your balance with FNB is FREE – do this to make sure that you always have enough money
in your account for your debit orders. If you do not have enough money for a debit order, you may be
charged additional fees and this may affect your credit record.
2. Don’t pay if you don’t have to
There are lots of different ways of getting things done without going into an FNB Branch.
Here are some easy and cost-effective ways of banking. You are welcome to visit any FNB branch
any time if you have questions, want to know more about your account or need more information.
You can also call 087 575 9404 for help.
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
TM
Did you know you can do most of your banking using your cellphone?
Cellphone Banking is quick, safe, easy and works on any cellphone.
With Cellphone Banking you can:
• Buy Prepaid Airtime and data by dialling *130* 321# (even if you have no airtime)
• Check your account balance
• Get a mini statement
• Stop debit orders
• Pay your clothing accounts
• Pay your electricity account and other bills
• Play the LOTTOTM or Powerball
To register for Cellphone Banking
• Dial *120*321#
• Select “more features”, then “continue”
• Enter the PIN number for your FNB Card
• Choose a Cellphone Banking PIN (keep this secret)
• You are now ready for self-service banking:
- Dial *120*321# to use Cellphone Banking
- Dial *130*321# to buy airtime with no airtime
3. Use Cellphone Banking
Online Banking is like having your own branch wherever you have access to the internet. This
enables you to manage your money 24/7 without having to wait in a queue.
You will have access to a one-stop shop that is easy to use, intuitive and tailored to your
personal needs. It is a simple and secure way of doing your banking when it suits you - and
what’s even better, is that your subscription to Online Banking is FREE. FNB customers can
easily set up their Online Banking profile by following the instructions on www.fnb.co.za.
4. Use Online Banking
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Easy Account
A straightforward Bank Account meant for day-to-day transacting, no extras and no hidden costs – plain,
simple banking. You spend less on bank fees every month, which means you have more money to pay for the
things that are important to you.
An Easy Account is real value for money.
Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise.
Monthly Fees
Transaction Description Fee
Card Purchases (Local Only)
FREEPay with your card
R4.95
FREE
FREE
FREE
Monthly Account Fee
Online and Cellphone Banking Subscriptions
InContact
Linked Savings Account (Savings Pocket)
Cash Withdrawals
FREE
R4.55 per R1 000 (Max R9.10)
R4.55
R4.55
R9.10
Cash@Till™
FNB ATM
FNB Mini ATM/Slimline
Other Banks’ Mini ATM
Other Banks’ ATM
Deposits
R4.55
R 20.00 (per deposit)
R 80.00 (per cheque)
Cash Deposit at FNB ATM
Cheque Deposit at FNB Branch and ATM
Post-dated Cheque
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
TM
Online
Mobile Channels
Telephone Banking (Consultant Assisted)
Branch
Online
Branch
Using eChannels & Mobile Channels
Point-of-Sale
Branch and Telephone Banking (Consultant Assisted)
Other Banks’ ATM
Balance Enquiries
Cancel Debit Order (Stop Payment)
R5.00
R5.00
R15.00
R43.00
FREE
R11.50
FREE
FREE
R3.00
R3.30
Scheduled Payment Related (Establishment and Amendment)
Debit Orders
R1.50
R3.20
Internal
External
R1.10
R3.20
Using eChannels & Mobile Channels
Other Banks’ ATM
FREE
FREE
FREE
R43.00
FREE
R3.20
R43.00
Into Linked Savings Account (Savings Pocket)
Using Mobile Channels
Using eChannels
FNB Branch
Stop Orders (Scheduled Payments)
Using eChannels & Mobile Channels
FNB Branch
Linked Account Transfers
Payments
Prepaid Purchases
Transaction Description Fee
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Send Money to an eWallet
Reversal of Send Money to eWallet
R3.00
R3.00
R0.95
R3.00
R15.00
R0.70
R1.10
R5.00
My Limit Alert
Scheduled Payment Alert
Monthly
Weekly
Daily
SMS
Fax
Send Money
R6.00
R20.00
Electronic Subscriptions Services (Fee per Month)
Balance Alert (Fee per Month)
Payment Notifications
Statements
Unsuccessful Transactions (Insufficient Funds or Limit Exceeded)
Card Replacement Fees
Convenience and Value Added Services
FNB ATM Transaction List
Cellphone Banking Mini Statement
Historical Statements
Branch Statements
FNB ATM
Other FNB (Point-of-Sale, Scheduled Payment, EDO) and Other Banks’ ATM
Returned Item (Debit Order and Scheduled Payments)
Replacement of Non-personalised Card
Buy LOTTO™/Powerball
Pay & Clear Now
Cardless Cash Withdrawals
R3.20
R3.20
R 3.50 (per statement)
R 3.50 (per page)
FREE
R7.50
R 5.00 (per item)
R38.00
R1.50
R40.00
R8.50
Transaction Description Fee
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Transaction Description Fee
Other Fees
R55.00
R4.35
R130.00
Online Banking Password Reset (Consultant Assisted)
Online Banking Account Verification (FNB Accounts and Other Banks’ Accounts)
Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists)
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Smart Account and Islamic Smart Account
Two pricing options are available to ensure you always get exactly what you need, without paying too much:
Unlimited Pricing Option: pay a fixed monthly fee for your account and always be in control of what you pay. On this option you get unlimited qualifying electronic transactions using eChannels and Mobile Channels. Qualifying transactions include:• Debit orders• Card purchases • Payments and Transfers using eChannels and Mobile Channels• Cash withdrawals using Cash@TillTM
You also get four FREE FNB ATM withdrawals every month. This is great if you earn a regular income, or you use your account often during the month.
Pay-As-You-Use Pricing Option: This option is for you if your transactions vary from month-to-month and you do a combination of electronic and manual transactions. You are charged for each transaction at the applicable fee. For this low monthly fee you will also get:• FREE Card purchases• FREE cash withdrawals using Cash@TillTM
• FREE mini statements and balance enquiries using Mobile ChannelsPlease note that fee rebates are no longer offered on the Pay-As-You-Use Pricing Option.
Exclusive for Smart Account Holders: As a Smart Account customer, you can get FREE airtime* every month if you bank smart! Qualifying to get FREE airtime* is easy, all you need to do every month is:• Have an active Smart Account that is in good standing• Deposit at least R1 000 into your Smart Account and spend R300 or more using your Smart Account Card Every month you can:• Earn R5.00 airtime for every R100 you spend using your FNB bank Card at Shoprite & Checkers; and • Earn R5.00 airtime for every R100 airtime you buy using eChannels and Mobile Channels; and• Earn R5.00 airtime for doing your banking using eChannels and Mobile Channels (instead of visiting a branch and doing a transaction at the counter); and • Earn R5.00 airtime for drawing more cash using Cash@TillTM than using an ATM
Islamic Smart AccountWe are pleased to offer you the option of choosing a Shari’ah compliant Smart Account. With Islamic Banking you may be eligible to earn a monthly profit share on your linked Savings Pocket. For more information please contact the Islamic Banking contact centre on 0861 786 788.
A Smart Account is perfect if you’re looking for a low monthly fee, and a little more flexibility to fit into your lifestyle.
* Terms, conditions and rules apply.The Small
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise.
Cash Withdrawals
0.70% of deposit value (min R5.50)
1.51% of deposit value (min R 43.00)
R 20.00 (per deposit)
R85.00
R 80.00 (per cheque)
R1.10
R8.50
R8.50
Monthly Account Fee
Online and Cellphone Banking Subscriptions
InContact
Linked Savings Account (Savings Pocket)
Pay with your card
Commission and Currency Conversion Fee on International Card Purchases
Cash@Till™
FNB Mini ATM/Slimline
Other Banks’ Mini ATM
FNB ATM
Other Banks’ ATM
International ATM (Additional 2.75% Commission and Conversion fee applies)
FNB Branch
International Branch (Additional 2.75% Commission and Conversion fee applies)
Cash Deposit at FNB ATM
Cash Deposit at FNB Branch
Cheque Deposit at FNB Branch and ATM
ENC Upliftment Fee and Special Clearance
Post-dated Cheque
Using eChannels & Mobile Channels
Other Banks’ ATM
Telephone Banking (Consultant Assisted)
Monthly Fees
Transaction Description
FREE
FREE
FREE
FREE
2.75% of transaction value
FREE
Unlimited Pay-As-You-Use
R49.00 R12.00
FREE R4.00 per R500.00
R4.00 per R500.00
Four FREE every Month,
thereafter R6.70 per R500.00
R6.70 per R500.00
R6.50 + (R6.70 per R500.00)
R43.00 R28.00
R43.00 + 1.61% of withdrawal value
R43.00 + 1.61% of withdrawal
value
R28.00 + 1.61% of withdrawal
value
Card Purchases
Deposits
Prepaid Purchases
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Into Linked Savings Account (Savings Pocket)
Using Mobile Channels
Using eChannels
Telephone (Consultant Assisted)
FNB Branch
Using Mobile Channels
Using eChannels
Telephone (Consultant Assisted)
FNB Branch
Bank Cheque
Internal
External
Online
Mobile Channels
Telephone Banking (Consultant Assisted)
Branch
Online
Branch
Using eChannels & Mobile Channels
Point-of-Sale
International Point-of-Sale
Other Banks’ ATM
Branch and Telephone Banking (Consultant Assisted)
Cellphone Banking Mini Statement
FNB ATM Transaction List
FREE
FREE
R1.00
R3.50
R35.00
R43.00
FREE
FREE
R1.00
R7.00
R35.00
R43.00
R80.00
Linked Account Transfers
Transaction Description Unlimited Pay-As-You-Use
FREE
FREE
FREE
R3.70
R7.50
R5.00
R5.00
R15.00
R43.00
FREE
R11.50
FREE
R1.40
R2.50
R4.20
R4.20
FREE
R3.00
Payments
Debit Orders
Cancel Debit Order (Stop Payment)
Scheduled Payment Related (Establishment and Amendment)
Balance Enquiries
Statements
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Transaction Description Unlimited Pay-As-You-Use
R 6.00 (per statement)
R 13.00 (per statement)
R 13.00 (per statement)
R 13.00 (per page)
FREE
R7.50
R 5.00 (per item)
R80.00
R115.00
R1.50
R40.00
R4.25 + (R6.70 per R500.00)
R8.50
R20.00
R3.00
R3.00
R0.95
R3.00
R15.00
R0.70
R1.10
R5.00
Historical Statements older than 3 months - Online Banking
Posted/Printed Statement
Historical Statements older than 3 months - Branch and Telephone Banking
Provisional Statement - Branch and Telephone Banking
FNB ATM
Other FNB (Point-of-Sale, Scheduled Payment, EDO) and Other Banks’ ATM
Returned Item (Debit Order and Scheduled Payments)
Chip & PIN Card (non-personalised)
Personalised Card
Buy LOTTO™/Powerball
Pay & Clear Now
Cardless Cash Withdrawals
Send Money to an eWallet
Reversal of Send Money to eWallet
My Limit Alert
Scheduled Payment Alert
Monthly
Weekly
Daily
SMS
Fax
Statements
Unsuccessful Transactions (Insufficient Funds or Limit Exceeded)
Card Replacement Fees
Convenience and Value Added Services
Send Money
Electronic Subscriptions Services (Fee per Month)
Balance Alert (Fee per Month)
Payment Notifications
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Card Courier Fee
Online Banking Password Reset (Consultant Assisted)
Online Banking Account Verification (FNB Accounts and Other Banks’ Accounts)
Cash Swap
Account Overdrawn Fee (when your Account Limit has been exceeded)
Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists)
Transaction Description Unlimited Pay-As-You-Use
R95.00
R55.00
R4.35
1.61% of Cash Value
R57.00
Cash Centre Deposit: Error in Cast R55.00
R130.00
Other Fees
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Personal Cheque Account and Islamic Personal Cheque Account
A Personal Cheque Account from FNB offers you so much more than just a Bank Account - it offers you
functionality and flexibility, allowing you to manage your money in the best way possible. All Personal Cheque
Account Customers have access to the following:
Bank
• FREE monthly subscription to FNB eChannels and Mobile Channels
• FREE InContact; we’ll SMS you every time R100 or more goes into, or out of your account
• FREE emailed monthly statements
• Cash@TillTM; no charge for withdrawing cash at tillpoints at selected retailers when you use your card to pay
for your shopping
• You don’t pay transactional fees when you swipe your Personal Cheque Card, no matter how big, or small
your purchase is
Save
• A FREE Savings Account (Savings Pocket) linked to your Personal Cheque Account: keep your savings
separate from your day-to-day-banking, while you enjoy easy access to your money and a competitive
interest rate on your credit balance
• Bank your Change: automatically rounds up the value of the purchase made with your card and transfers the
difference directly into your Savings Account (Savings Pocket) so you save while you spend!
Borrow
• Overdraft: offers you instant access to short-term credit so you’ll have money to cover unexpected
expenses, and you only pay when you use it
• Temporary Loan: a short-term loan which should be repaid in 31 days, where any deposits into your
Personal Cheque Account will be used to pay off the loan amount
• Revolving Loan: once you have repaid 15% of your original loan amount, you will again have access to those
funds without having to re-apply for credit
Lifestyle
• For your convenience, we can deliver your FNB Personal Cheque Card to your home or office
• You could qualify for a new smartphone or laptop at discounted prices over a 24-month period with 0% interest
Get access to a range of lifestyle benefits and rewards created just for you.
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
eBucks Rewards*
• Subscription to eBucks is FREE• As a FNB Personal Cheque Account customer you can earn eBucks for doing everyday things like swiping your card, shopping online, shopping at Checkers & Shoprite, filling up with fuel, or purchasing prepaid airtime and prepaid electricity electronically through FNB• You can spend the eBucks you earn on fuel, electronics and appliances, travel, books, CDs and DVDs, flowers, outdoor equipment, fashion - you name it• You could also get up to 40% off the purchase of lifestyle products in the eBucks Shop or when you book your travel arrangements through eBucks Travel. This means that the more eBucks you earn, the more you can save when you spend your eBucks AND get a discount on your purchase• You can also get FREE monthly 3G Data if you have an active FNB Smart Device contract or get a discount on your FNB Connect Uncapped ADSL Data subscription• For detailed information on how to qualify, earn and spend your eBucks Rewards please visit www.eBucks.com
Exclusive for Platinum Cheque Account Holders
• Premier Banking services to take care of your banking needs• Access to SLOW* Airport Lounges for domestic and international travel• Get FREE Comprehensive Global Travel Insurance that keeps you covered locally and internationally when you purchase your travel ticket(s) using your Personal Cheque Card• Platinum Cheque Card delivered by courier at no extra charge Three pricing options are available to ensure you always get exactly what you need, without paying too much:
Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account and always be in control of what you pay. On this option you get unlimited qualifying electronic transactions using eChannels and Mobile Channels. Qualifying transactions include:• Debit orders• Card purchases • Payments and transfers using eChannels and Mobile Channels• Cash withdrawals using Cash@TillTM
You also get four FREE FNB ATM withdrawals every month.
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Bundled Pricing Option: From October 2014, this new pricing option is available. This option is for you if you want to pay a fixed discounted monthly account fee, which includes your Cheque Account as well as Credit Card monthly fees. On this option you get unlimited qualifying electronic transactions using eChannels and Mobile Channels.
Qualifying transactions include:
• Debit Orders• Card Purchases• Payments and transfers using eChannels and Mobile Channels• Cash withdrawals using Cash@TillTM
• You also get four FREE FNB ATM withdrawals every month
Please note that this option is only available on Platinum Accounts
NEW
Pay-As-You-Use Pricing Option: This option is for you if your transactions vary from month-to-month and you do a combination of electronic and branch transactions. You are charged for each transaction at the applicable fee. For a low monthly fee you also get: • FREE card purchases• FREE cash withdrawals using Cash@TillTM
• FREE transactions using Mobile Channels which include: Transfers and payments, mini statements and balance enquiries• Pay-As-You-Use pricing option is not applicable to One Account.
Islamic Personal Cheque Account
We are pleased to offer you the option of choosing a Shari’ah compliant Personal Cheque Account. With Islamic Banking you may be eligible to earn a monthly profit share on your linked Savings Pocket. For more information please contact the Islamic Banking contact centre on 0861 786 788.
* Terms, conditions and rules apply.
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise.
Gold Cheque Account & Islamic Gold Cheque Account
Platinum Cheque Account & Islamic Platinum Cheque Account
One Account Monthly Fee
Monthly Fees*
Transaction Description Unlimited
R100.00
R145.00
R120.00
Pay-As-You-Use
R31.50
R40.00
N/A
Bundled
N/A
R199.00
R174.00
Other Monthly Fees
One Account Service Fee
Online and Cellphone Banking Subscriptions
InContact
Linked Savings Account (Savings Pocket)
Device Payment**
Petrol Card
Pay with your card
Commission and Currency Conversion Fee on International Card Purchases
Petrol Card
Cash@Till™
FNB Mini ATM/Slimline
Other Banks’ Mini ATM
FNB ATM
Other Banks’ ATM
International ATM (Additional 2.75% Commission and Conversion fee applies)
FNB Branch/Cheque
International Branch (Additional 2.75% Commission and Conversion fee applies)
R190.00 N/A
FREE
FREE
FREE
Device dependant
R14.50
FREE
2.75% of transaction value
R4.75
FREE
Card Purchases
Cash Withdrawals
FREE R4.00 per R500.00
R4.00 per R500.00
Four FREE every Month,
thereafter R6.70 per R500.00
R6.70 per R500.00
R6.50 + (R6.70 per R500.00)
R43.00 R28.00
R43.00 + 1.61% of withdrawal value
R43.00 + 1.61% of withdrawal
value
R28.00 + 1.61% of withdrawal
value
* 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.
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Using Mobile Channels
FREE R3.50
R35.00
R43.00
FREE R7.00
R35.00
R43.00
R80.00
Into Linked Savings Account (Savings Pocket)
Using eChannels
Telephone (Consultant Assisted)
FNB Branch
Using Mobile Channels
Using eChannels
Telephone (Consultant Assisted)
FNB Branch/Cheque
Bank Cheque
Internal
External
Online
Mobile Channels
Telephone Banking (Consultant Assisted)
Branch
Online
Branch
Cash Deposit at FNB ATM
Cash Deposit at FNB Branch
Cheque Deposit at FNB Branch and ATM
ENC Upliftment Fee and Special Clearance
Post-dated Cheque
Linked Account Transfers
Transaction Description Pay-As-You-Use
FREE
FREE
FREE
R3.70
R16.00
R5.00
R5.00
R15.00
R43.00
FREE
R11.50
0.70% of deposit value (min R5.50)
1.51% of deposit value (min R 43.00)
R 20.00 (per deposit)
R85.00
R 80.00 (per cheque)
Payments
Debit Orders
Cancel Debit Order (Stop Payment)
Scheduled Payment Related (Establishment and Amendment)
Deposits
FREE
FREE
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Bundled/Unlimited
Using eChannels & Mobile Channels
Point-of-Sale
International Point-of-Sale
Other Banks’ ATM
Branch and Telephone Banking (Consultant Assisted)
Current Month Emailed Statement
First Official Monthly Statement Collected at an FNB Branch
Cellphone Banking Mini Statement
FNB ATM Transaction List
Historical Statements older than 3 months - Online Banking
Posted/Printed Statement
Historical Statements older than 3 months - Branch and Telephone Banking
Provisional Statement - Branch and Telephone Banking
FNB ATM
Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other Banks’ ATM
Returned Item (Cheque and Debit order)
Visa Cheque Card/Chip & PIN Card
FNB Petrol Card
FREE
R1.40
R2.50
R4.20
R4.20
FREE
FREE
FREE
R3.00
R 6.00 (per statement)
R 13.00 (per statement)
R 13.00 (per statement)
R 13.00 (per page)
FREE
R7.50
R60.00 for first three, R138.00 thereafter (per item within a 12
month period)
R115.00
R115.00
Balance Enquiries
R1.10
R8.50
R8.50
Prepaid Purchases
Transaction Description
Using eChannels & Mobile Channels
Other Banks’ ATM
Telephone Banking (Consultant Assisted)
Statements*
Unsuccessful Transactions (Insufficient Funds or Limit Exceeded)
Card Replacement Fees
* Free for Accounts utilising an Overdraft.
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Pay-As-You-UseBundled/Unlimited
Send Money
Pocket 40 Form
Online Banking
Branch and Telephone Banking (Consultant Assisted)
Buy LOTTO™/Powerball
Pay & Clear Now
Cardless Cash Withdrawals
Send Money to an eWallet
Reversal of Send Money to eWallet
Value: R20.00 - R1 000.00
Value: R1 000.01 - R2 000.00
Value: R2 000.01 - R3 000.00
Copies of Vouchers (Deposit Slips and Cheques)
Loan Related Fees (One Account Specific)
R57.00
R25.00
R57.00
R17.00
Credit Fees
Transaction Description
Monthly Credit Service Fee (only pay when you use R200 or more of your Overdraft)
Rebate on Monthly Credit Service Fee (when you do not use more than your Overdraft Limit)
Monthly Credit Service Fee (Revolving Loan)
Rebate on Monthly Credit Service Fee (when you do not use more than your Revolving Loan Limit)
R5 700.00
R1 400.00
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.
Initiation Fee (once-off)
Valuation/Revaluation Fee
Early Settlement Fee
Cheque Book Fees
R40.00
FREE
R 20.00 (per side)
R1.50
R40.00
R4.25 + (R6.70 per R500.00)
R8.50
R20.00
R45.00
R70.00
R105.00
Convenience and Value Added Services
Send Money to Zimbabwe/Mozambique
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Pay-As-You-UseBundled/Unlimited
R46.00
R21.00
R11.50
R85.00
R34.00
R17.00
Additional Statements (Fee per Month)
Transaction Description
Daily
Weekly
Twice Monthly
Daily
Weekly
Twice Monthly
R3.00
R3.00
R0.95
R3.00
R15.00
R0.70
R1.10
R5.00
R95.00
Device dependant
R200.00
R55.00
R4.35
1.61% of Cash Value
R57.00
R130.00
My Limit Alert
Scheduled Payment Alert
Monthly
Weekly
Daily
SMS
Fax
Card Courier Fee
Device Courier Fee
Cheque Book Courier
Online Banking Password Reset (Consultant Assisted)
Online Banking Account Verification (FNB Accounts and Other Banks’ Accounts)
Cash Swap
Account Overdrawn Fee (when your Account Limit has been exceeded)
R5.50Optional Roadside Assistance on your qualifying Cheque Card
R55.00Cash Centre Deposit: Error in Cast
Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists)
Other Fees
Online
Paper
Electronic Subscriptions Services (Fee per Month)
Balance Alert (Fee per Month)
Payment Notifications
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Pay-As-You-UseBundled/Unlimited
NEW
In addition to the benefits available to all FNB Personal Cheque Account customers, you’ll also enjoy:• 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)• Qualifying Credit Card and Petro Card customers benefit from a 50% discount on the Monthly Card Fee,
however you are required to apply for the Encore Credit Card offering when you reach the age of 55 or older. Credit Card Terms and conditions apply.
Encore Platinum Account Holders enjoy the following exclusive Platinum benefits:
• Premier Banking Services for all your banking needs• Access to SLOW* airport lounges for domestic and international travel• Get FREE Comprehensive Global Travel Insurance that keeps you covered locally and internationally when you
purchase your travel ticket(s) using your Personal Cheque Card• Platinum Cheque Card delivered by courier at no extra charge
Two pricing options are available to ensure you always get exactly what you need, without paying too much:
Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account, and always be in control of what you pay. On this option you get unlimited qualifying electronic transactions using eChannels and Mobile Channels. Qualifying transactions include:• Debit orders• Card purchases • Payments and transfers using eChannels and Mobile Channels• Cash withdrawals using Cash@TillTM
You also get four FREE FNB ATM withdrawals every month.
Standard Pricing Option: This option is ideal if you are able to maintain the specified credit balance at ALL times.
1. Cheque Balance Option: you will not pay the monthly Account Fee if you are able to maintain at least R5 000 in your Encore Cheque Account. This option includes:
• unlimited qualifying electronic transactions; and
• four FREE FNB ATM cash withdrawals; and
• a combination of three FREE branch, cheque and Telephone Banking (consultant assisted) transactions
(excluding all cash and cheque deposits) per month
Encore Gold & Encore Platinum Cheque AccountThe Encore Portfolio is exclusively designed for you if you are 55 and older.
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
2. Savings Pocket Option: you will not pay the monthly Account Fee if you pledge at least R10 000 in your Savings Pocket linked to your Encore Cheque Account. This option includes:
• unlimited qualifying electronic transactions; and
• four FREE FNB ATM cash withdrawals; and
• a combination of three FREE branch, cheque and Telephone Banking (consultant assisted) transactions
(excluding all cash and cheque deposits) per month
* Terms, conditions and rules apply.
Encore Platinum Cheque Account
From October 2014, the Encore Platinum Cheque Account is available which offers Platinum benefits to over 55's. Customers over the age of 55, who have annual earnings of R350 000 or more, can take up the Encore Platinum offering.
TM
Encore Gold Cheque Account
Online and Cellphone Banking Subscriptions
InContact
Linked Savings Account (Savings Pocket)
Petrol Card
Minimum Balance in your Encore Cheque Account
Minimum Balance in linked Savings Pocket
Monthly Fees
Transaction Description Unlimited Standard
R95.00 R105.00
Encore Platinum Cheque Account R95.00 R105.00
Pay with your card
Commission and Currency Conversion Fee on International Card Purchases
Petrol Card
Cash@Till™
FNB Mini ATM/Slimline
Other Banks’ Mini ATM
FNB ATM
Other Banks’ ATM
International ATM (Additional 2.75% Commission and Conversion fee applies)
FNB Branch
International Branch (Additional 2.75% Commission and Conversion fee applies)
FREE
2.75% of transaction value
FREE
FREE
FREE
Card Purchases
Cash Withdrawals
R4.00 per R500.00
Four FREE every Month, thereafter R6.70 per R500.00
R6.50 + (R6.70 per R500.00)
R43.00 R23.00
R43.00 + 1.61% of withdrawal
value
R23.00^ + 1.61% of withdrawal
value
Minimum Balance for Rebate on Monthly Account Fee
FREE
FREE
FREE
R14.50
R43.00 + 1.61% of withdrawal
value
R23.00^ + 1.61% of withdrawal
value
Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise.
N/A
N/A
R5 000
R10 000
^ Fees included in combination of three free branch and cheque transactions when you maintain the Minimum Balance.
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
TM
R80.00
Into Linked Savings Account (Savings Pocket)
Using eChannels
Using Mobile Channels
Telephone (Consultant Assisted)
FNB Branch
Using Mobile Channels
Using eChannels
Telephone (Consultant Assisted)
FNB Branch/Cheque
Bank Cheque
Internal
External
Online
Mobile Channels
Telephone Banking (Consultant Assisted)
Branch
Online
Branch
Cash Deposit at FNB ATM
Cash Deposit at FNB Branch
Cheque Deposit at FNB Branch and ATM
ENC Upliftment Fee and Special Clearance
Post-dated Cheque
Linked Account Transfers
Transaction Description Unlimited
FREE
R35.00 R 12.50^
R5.00
R5.00
R15.00
R43.00
FREE
FREE
0.70% of deposit value (min R5.50)
1.51% of deposit value (min R 22.00)
R 20.00 (per deposit)
R85.00
R 80.00 (per cheque)
Payments
Debit Orders
Cancel Debit Order (Stop Payment)
Scheduled Payment Related (Establishment and Amendment)
Deposits
FREE
FREE
R43.00 R 23.00^
FREE
FREE
R35.00 R 12.50^
R43.00 R 23.00^
FREE
FREE
^ Fees included in combination of three free branch and cheque transactions when you maintain the Minimum Balance.
Standard
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Using eChannels & Mobile Channels
Point-of-Sale
International Point-of-Sale
Other Banks’ ATM
Branch and Telephone Banking (Consultant Assisted)
Current Month Emailed Statement
First Official Monthly Statement Collected at an FNB Branch
Cellphone Banking Mini Statement
FNB ATM Transaction List
Historical Statements older than 3 months - Online Banking
Posted/Printed Statement
Historical Statements older than 3 months - Branch and Telephone Banking
Provisional Statement - Branch and Telephone Banking
FNB ATM
Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other Banks’ ATM
Returned Item(Cheque and Debit Order)
Electron
Visa Cheque Card/Chip & PIN Card
FNB Petrol Card
FREE
FREE
FREE
R4.20
R4.20
FREE
FREE
FREE
R3.00
R 6.00 (per statement)
R 13.00 (per statement)
R 13.00 (per statement)
R 13.00 (per page)
FREE
R7.50
R60.00 for first three, R138.00 thereafter (per item within a 12
month period)
R80 .00
R115.00
R115.00
Balance Enquiries
R1.10
R8.50
R 8.50^
Prepaid Purchases
Transaction Description Unlimited Standard
Using eChannels & Mobile Channels
Other Banks’ ATM
Telephone Banking (Consultant Assisted)
Statements*
Unsuccessful Transactions (Insufficient Funds or Limit Exceeded)
Card Replacement Fees
* Free for Accounts utilising an Overdraft.^ Fees included in combination of three free branch and cheque transactions when you maintain the Minimum Balance. The Small
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
R46.00
R21.00
R11.50
R85.00
R34.00
R17.00
Additional Statements (Fee per Month)
Daily
Weekly
Twice Monthly
Daily
Weekly
Twice Monthly
Online
Paper
Send Money
Pocket 40 Form
Online Banking
Branch and Telephone Banking (Consultant Assisted)
Buy LOTTO™/Powerball
Pay & Clear Now
Cardless Cash Withdrawals
Send Money to an eWallet
Reversal of Send Money to eWallet
Value: R20.00 - R1 000.00
Value: R1 000.01 - R2 000.00
Value: R2 000.01 - R3 000.00
Copies of Vouchers (Deposit Slips and Cheques)
R57.00
R25.00
R57.00
R17.00
Credit Fees
Transaction Description Unlimited Standard
Monthly Credit Service Fee (only pay when you use R200 or more of your Overdraft)
Rebate on Monthly Credit Service Fee (when you do not use more than your Overdraft Limit)
Monthly Credit Service Fee (Revolving Loan)
Rebate on Monthly Credit Service Fee (when you do not use more than your Revolving Loan Limit)
Cheque Book Fees
R40.00
FREE
R 20.00 (per side)
R1.50
R40.00
R4.25 + (R6.70 per R500.00)
R8.50
R20.00
R45.00
R70.00
R105.00
Convenience and Value Added Services
Send Money to Zimbabwe/Mozambique
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Simple
Easy
Smart
Smart
Home
Transaction Description Unlimited Standard
R3.00
R3.00
R0.95
R3.00
R15.00
R0.70
R1.10
R5.00
R95.00
Device dependant
R200.00
R55.00
R4.35
1.61% of Cash Value
R57.00
R130.00
My Limit Alert
Scheduled Payment Alert
Monthly
Weekly
Daily
SMS
Fax
Card Courier Fee
Device Courier Fee
Cheque Book Courier
Online Banking Password Reset (Consultant Assisted)
Online Banking Account Verification (FNB Accounts and Other Banks’ Accounts)
Cash Swap
Account Overdrawn Fee (when your Account Limit has been exceeded)
Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists)
Other Fees
Electronic Subscriptions Services (Fee per Month)
Balance Alert (Fee per Month)
Payment Notifications
R5.50Optional Roadside Assistance on your qualifying Cheque Card
R55.00Cash Centre Deposit: Error in Cast
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
TM
It’s never too early to start banking. The FNB Youth Account has been designed especially for you if you are younger than 18.
Youth (Fluid) Account and Islamic Youth Account
This account offers great savings on fees while teaching young children and teens the ins-and-outs of
saving and banking wisely.
Two pricing options are available to ensure you always get exactly what you need, without paying too much:
Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account and
always be in control of what you pay. On this option you get unlimited qualifying electronic transactions
using eChannels and Mobile Channels. Qualifying transactions include:
• Debit orders
• Card purchases
• Payments and transfers using eChannels and Mobile Channels
• Cash withdrawals using Cash@TillTM
You also get four FREE FNB ATM withdrawals every month.
Standard Pricing Option: You will not pay a monthly Account Fee if you keep a minimum of R500 in your
account at all times. You will also get two FREE debits per month, after which you will be charged an
applicable fee per transaction. These include:
• FNB ATM cash withdrawals
• Payments and transfers using eChannels and Mobile Channels
• Debit orders
Local purchases with your Card are FREE.
Islamic Youth Account
We are pleased to offer you the option of choosing a Shari’ah compliant Youth Account. For more
information please contact the Islamic Banking contact centre on 0861 786 788.
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise.
Cash@Till™
FNB Mini ATM/Slimline
Other Banks’ Mini ATM
FNB ATM
Other Banks’ ATM
International ATM (Additional 2.75% Commission and Conversion fee applies)
FNB Branch
International Branch (Additional 2.75% Commission and Conversion fee applies)
R35.00
R43.00
Linked Account Transfers
FREE
FREE R3.50
Using Mobile Channels
Using eChannels
Telephone (Consultant Assisted)
FNB Branch
R24.50 R6.00
N/A R500
Monthly Account Fee
Online and Cellphone Banking Subscriptions
InContact
Minimum Balance in your Youth Account
Monthly Fees
Transaction Description Unlimited Standard
Pay with your card
Commission and Currency Conversion Fee on International Card Purchases
FREE
2.75% of transaction value
Card Purchases
Cash Withdrawals
Minimum Balance for Rebate on Monthly Account Fee
FREE
FREE
FREE
FREE R4.00 per R500.00
R4.00 per R500.00
Four FREE every Month,
thereafter R6.70 per R500.00
R6.70 per R500.00
R6.50 + (R6.70 per R500.00)
R43.00 R28.00
R43.00 + 1.61% of withdrawal value
R43.00 + 1.61% of withdrawal
value
R28.00 + 1.61% of withdrawal
value
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
FREE R7.00
R35.00
R43.00
R80.00
Using Mobile Channels
FNB ATM, Online, Telephone (IVR) & Scheduled
Telephone (Consultant Assisted)
FNB Branch/Cheque
Bank Cheque
Internal
External
Online
Mobile Channels
Telephone Banking (Consultant Assisted)
Branch
Online
Branch
Cash Deposit at FNB ATM
Cash Deposit at FNB Branch
Cheque Deposit at FNB Branch and ATM
ENC Upliftment Fee and Special Clearance
Post-dated Cheque
Transaction Description Unlimited Standard
FREE
FREE
R3.70
R16.00
R5.00
R5.00
R15.00
R43.00
FREE
R11.50
0.70% of deposit value (min R5.50)
1.51% of deposit value (min R 43.00)
R 20.00 (per deposit)
R85.00
R 80.00 (per cheque)
Payments
Debit Orders
Cancel Debit Order (Stop Payment)
Scheduled Payment Related (Establishment and Amendment)
Deposits
FREE
R1.10
R8.50
R8.50
Prepaid Purchases
Using eChannels & Mobile Channels
Other Banks’ ATM
Telephone Banking (Consultant Assisted)
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
My Limit Alert
Scheduled Payment Alert
R3.00
R3.00
Electronic Subscriptions Services (Fee per Month)
Send Money
Pay & Clear Now
Cardless Cash Withdrawals
Send Money to an eWallet
Reversal of Send Money to eWallet
R40.00
R4.25 + (R6.70 per R500.00)
R8.50
R20.00
Convenience and Value Added Services
Using eChannels & Mobile Channels
Point-of-Sale
International Point-of-Sale
Other Banks’ ATM
Branch and Telephone Banking (Consultant Assisted)
Cellphone Banking Mini Statement
FNB ATM Transaction List
Historical Statements older than 3 months - Online Banking
Historical Statements older than 3 months - Branch and Telephone Banking
Provisional Statement - Branch and Telephone Banking
FNB ATM
Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other Banks’ ATM
Returned Item (Cheque and Debit Order)
Card Replacement
FREE
R1.40
R2.50
R4.20
R4.20
FREE
R3.00
R 6.00 (per statement)
R 13.00 (per statement)
R 13.00 (per page)
FREE
R7.50
R60.00 for first three, R138.00 thereafter (per item within a 12
month period)
R80.00
Balance Enquiries
Transaction Description Unlimited Standard
Statements
Unsuccessful Transactions (Insufficient Funds or Limit Exceeded)
Card Replacement Fees
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
R0.95
R3.00
R15.00
R0.70
R1.10
R5.00
Card Courier Fee
Online Banking Password (Consultant Assisted)
Online Banking Account Verification (FNB Accounts and Other Banks’ Accounts)
Cash Swap
Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists)
R95.00
R55.00
R4.35
1.61% of Cash Value
R130.00
Other Fees
Balance Alert (Fee per Month)
Payment Notifications
Monthly
Weekly
Daily
SMS
Fax
Transaction Description Unlimited Standard
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
R55.00Cash Centre Deposit: Error in Cast
As a student we understand that managing your cash and finances should be the least of your worries,
which is why we offer two different pricing options and low Account Fees.
Two pricing options are available to ensure you always get exactly what you need, without paying
too much:
Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account and
always be in control of what you pay.
On this option you get unlimited qualifying electronic transactions using eChannels and Mobile Channels.
Qualifying transactions include:
• Debit orders
• Card purchases
• Payments and transfers using eChannels and Mobile Channels
• Cash withdrawals using Cash@TillTM
You also get four FREE FNB ATM withdrawals every month.
Pay-As-You-Use Pricing Option: You will not pay the monthly Account Fee if you keep a minimum of R500
in your account at all times. This option is for you if your transactions vary from month-to-month and
you do a combination of electronic and branch transactions. You are charged for each transaction at the
applicable fee. For a low monthly fee you also get:
• FREE Card purchases
• FREE cash withdrawals using Cash@TillTM
• FREE transactions using Mobile Channels which include:
Transfers and payments, mini statements and balance enquiries
Student (Lifestart) Account
The Student Account is available to full-time students between the ages of 18 and 25 studying towards a degree or diploma at a recognised tertiary education institution.
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Using Mobile Channels
Using eChannels
Telephone (Consultant Assisted)
FNB Branch
Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise.
Cash@Till™
FNB Mini ATM/Slimline
Other Banks’ Mini ATM
FNB ATM
Other Banks’ ATM
International ATM (Additional 2.75% Commission and Conversion fee applies)
FNB Branch
International Branch (Additional 2.75% Commission and Conversion fee applies)
R35.00
R43.00
Linked Account Transfers
FREE
FREE R3.50
R24.50 R6.00
N/A R500
Monthly Account Fee
Online and Cellphone Banking Subscriptions
InContact
Minimum Balance in your Youth Account
Monthly Fees
Transaction Description Unlimited Pay-As-You-Use
Pay with your card
Commission and Currency Conversion Fee on International Card Purchases
FREE
2.75% of transaction value
Card Purchases
Cash Withdrawals
Minimum Balance for Rebate on Monthly Account Fee
FREE
FREE
FREE
FREE R4.00 per R500.00
R4.00 per R500.00
Four FREE every Month,
thereafter R6.70 per R500.00
R6.70 per R500.00
R6.50 + (R6.70 per R500.00)
R43.00 R28.00
R43.00 + 1.61% of withdrawal value
R43.00 + 1.61% of withdrawal
value
R28.00 + 1.61% of withdrawal
value
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
FREE R7.00
R35.00
R43.00
R80.00
Using Mobile Channels
FNB ATM, Online, Telephone (IVR) & Scheduled
Telephone (Consultant Assisted)
FNB Branch/Cheque
Bank Cheque
Internal
External
Online
Mobile Channels
Telephone Banking (Consultant Assisted)
Branch
Online
Branch
Cash Deposit at FNB ATM
Cash Deposit at FNB Branch
Cheque Deposit at FNB Branch and ATM
ENC Upliftment Fee and Special Clearance
Post-dated Cheque
Transaction Description Unlimited Pay-As-You-Use
FREE
FREE
R3.70
R16.00
R5.00
R5.00
R15.00
R43.00
FREE
R11.50
0.70% of deposit value (min R5.50)
1.51% of deposit value (min R 43.00)
R 20.00 (per deposit)
R85.00
R 80.00 (per cheque)
Payments
Debit Orders
Cancel Debit Order (Stop Payment)
Scheduled Payment Related (Establishment and Amendment)
Deposits
FREE
R1.10
R8.50
R8.50
Prepaid Purchases
Using eChannels & Mobile Channels
Other Banks’ ATM
Telephone Banking (Consultant Assisted)
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Send Money
Buy LOTTO™/Powerball
Pay & Clear Now
Cardless Cash Withdrawals
Send Money to an eWallet
Reversal of Send Money to eWallet
R1.50
R40.00
R4.25 + (R6.70 per R500.00)
R8.50
R20.00
Convenience and Value Added Services
Using eChannels & Mobile Channels
Point-of-Sale
International Point-of-Sale
Other Banks’ ATM
Branch and Telephone Banking (Consultant Assisted)
Cellphone Banking Mini Statement
FNB ATM Transaction List
Historical Statements older than 3 months - Online Banking
Historical Statements older than 3 months - Branch and Telephone Banking
Provisional Statement - Branch and Telephone Banking
FNB ATM
Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other Banks’ ATM
Returned Item (Cheque and Debit Order)
Card Replacement
FREE
R1.40
R2.50
R4.20
R4.20
FREE
R3.00
R 6.00 (per statement)
R 13.00 (per statement)
R 13.00 (per page)
FREE
R7.50
R60.00 for first three, R138.00 thereafter (per item within a 12
month period)
R80.00
Balance Enquiries
Transaction Description Unlimited Pay-As-You-Use
Statements
Unsuccessful Transactions (Insufficient Funds or Limit Exceeded)
Card Replacement Fees
Value: R20.00 - R1 000.00
Value: R1 000.01 - R2 000.00
Value: R2 000.01 - R3 000.00
R45.00
R70.00
R105.00
Send Money to Zimbabwe/Mozambique
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
R3.00
R3.00
Electronic Subscriptions Services (Fee per Month)
My Limit Alert
Scheduled Payment Alert
R0.95
R3.00
R15.00
R0.70
R1.10
R5.00
Card Courier Fee
Online Banking Password Reset (Consultant Assisted)
Online Banking Account Verification (FNB Accounts and Other Banks’ Accounts)
Viewing of Payment History (older than 3 months)
Cash Swap
Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists)
R95.00
R55.00
R4.35
FREE
1.61% of Cash Value
R130.00
Other Fees
Balance Alert (Fee per Month)
Payment Notifications
Monthly
Weekly
Daily
SMS
Fax
Transaction Description Unlimited Pay-As-You-Use
R46.00
R21.00
R11.50
R85.00
R34.00
R17.00
Additional Statements (Fee per Month)
Daily
Weekly
Twice Monthly
Daily
Weekly
Twice Monthly
Online
Paper
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
R55.00Cash Centre Deposit: Error in Cast
TM
Savings Account
This account is no longer available for new customers. Offering you easy and instant access to your money, you will
not pay a monthly Account Fee if you maintain a Minimum Balance of R2 000 in your account at all times.
If you’re looking for a flexible way of saving, then the Savings Account is ideal for you.
Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise.
Transaction Description Fee
Monthly Fees
R6.00
FREE
FREE
R2 000.00
FREE
2.75% of transaction value
FREE
R 5.50 per R500.00
R 5.50 per R500.00
R 11.00 per R500.00
R6.50 + (R11.00 per R500.00)
R43.00 + 1.61% of withdrawal value
R5.50
R43.00
Monthly Account Fee
Online and Cellphone Banking Subscriptions
InContact
Minimum Balance in your Savings Account
Pay with your card
Commission and Currency Conversion Fee on International Card Purchases
Cash@Till™
FNB Mini ATM/Slimline
Other Banks’ Mini ATM
FNB ATM
Other Banks’ ATM
FNB Branch
Using eChannels & Mobile Channels
FNB Branch
Minimum Balance for Rebate on Account Fee
Card Purchases
Cash Withdrawals
Linked Account Transfers
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
TM
Deposits
Payments
Debit Orders
Cancel Debit Order (Stop Payment)
Using eChannels & Mobile Channels
FNB Branch
Internal
External
Online
Mobile Channels
Telephone Banking (Consultant Assisted)
Branch
R11.00
R43.00
R5.50
R16.00
R5.00
R5.00
R15.00
R43.00
Transaction Description Fee
Prepaid Purchases
Balance Enquiries
Statements
Convenience and Value Added Services
Other Fees
0.70% of deposit value (min R5.50)
1.51% of deposit value (min R43.00)
R 20.00 (per deposit)
R85.00
R1.10
R8.50
R8.50
FREE
R3.00
R 13.00 (per page)
R1.50
R8.50
R4.25 + (R6.70 per R500.00)
R57.00
Cash Deposit at FNB ATM
Cash Deposit at FNB Branch
Cheque Deposit at FNB Branch and ATM
ENC Upliftment Fee and Special Clearance
Using eChannels & Mobile Channels
Other Banks’ ATM
Telephone Banking (Consultant Assisted)
Using eChannels & Mobile Channels
FNB ATM Transaction List
Branch Statements
Buy LOTTO™/Powerball
Send Money to an eWallet
Cardless Cash Withdrawals
Account Overdrawn Fee (when your Account Limit has been exceeded)
Any other fees not specifically mentioned above are charged at Personal Cheque Account Pay-As-You-Use fees.The Small
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Monthly Account Fee
Online and Cellphone Banking Subscriptions
InContact
Linked Savings Account (Savings Pocket)
Card Issuing Fee (Charged every 6 months after Account opening)
Mzansi Account
Monthly Fees
Transaction Description Mzansi
R0.00
FREE
FREE
FREE
R5.00
This account is no longer available for new customers. You do not pay a monthly fee. You may for 8 transactions a
month, then you pay an additional fee of R8.00 per transaction. Mzanzi Account holders are limited to a maximum
balance of R15 000 every month and you are allowed to have debit orders with this account.
Pay with your Card
Card Purchases
FREE
Cash@Till™
FNB Mini ATM/ Slimline
Other Banks' Mini ATM
FNB ATM
Other Banks' ATM
FNB Branch
Cash Withdrawals
FREE
R 3.50
R 3.50
R 6.50
R 6.50
R 15.00
R 20.00 (per deposit)
R 85.00
R 6.50
R 15.00
Cash Deposit at FNB ATM
Cash Deposit at FNB Branch
Cheque Deposit at FNB Branch and ATM
ENC Upliftment Fee and Special Clearance
Deposits
R 1.10
R 8.50
R 8.50
Using eChannels & Mobile Channels
Other Banks' ATM
Telephone Banking (Consultant Assisted)
Prepaid Purchases
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Using eChannels & Mobile Channels
Point-of-Sale
Other Banks' ATM
FREE
FREE
R 1.25
Balance Enquiries
Into linked Savings Account (Savings Pocket)
Using Mobile Channels
Using eChannels
Telephone (Consultant Assisted)
FNB Branch
Linked Account Transfers
Transaction Description Mzansi
FREE
R 1.00
R 6.50
R 35.00
R 43.00
Using Mobile Channels
Using eChannels
Telephone (Consultant Assisted)
FNB Branch
R 1.00
R 6.50
R 35.00
R 43.00
Payments
Internal
External
R 3.50
R 6.50
Debit Orders
Online
Mobile Channels
Telephone Banking (Consultant Assisted)
Branch
R 5.00
R 5.00
R 15.00
R 43.00
Cancel Debit Order (Stop Payment)
Online
Branch
FREE
R 11.50
Scheduled Payment Related (Establishment and Amendment)
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Statements
Transaction Description Mzansi
FREE
R 3.00
Cellphone Banking Mini Statement
FNB ATM Transaction List
Historical Statements older than 3 months - Online Banking
Posted/Printed Statement
Historical Statements older than 3 months - Branch and Telephone Banking
Provisional Statement - Branch and Telephone Banking
Unsuccessful Transactions (Insufficient Funds or Limit Exceeded)
FREEFNB ATM
Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other banks’ ATM
Returned Item (Debit Order and Scheduled Payments)
Card Replacement Fees
R 80.00Electron
Convenience and Value Added Services
R 1.50
R4.25 + (R6.70 per R500.00)
Buy LOTTO™/Powerball Cardless Cash Withdrawals
Send Money
R 8.50
R 20.00
Send Money to an eWallet Reversal of Send Money to eWallet
Electronic Subscriptions Services (fee per month)
R 3.00
R 3.00
My Limit Alert
Scheduled Payment Alert
Balance Alert (fee per month)
R 0.95
R 3.00
R 15.00
Monthly
Weekly
Daily
R 6.00 (per statement)
R 13.00 (per statement)
R 13.00 (per statement)
R 13.00 (per page)
R 7.50
R 5.00 (per item)
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Payment Notifications
Transaction Description Mzansi
R 0.70
R 1.10
R 5.00
SMS
Fax
Other Fees
R 95.00
R 55.00
R 4.35
1.61% of Cash Value
R 57.00
R 130.00
Card Courier Fee
Online Banking Password Reset Telephone Banking (Consultant Assisted)
Online Banking Account Verification (FNB Accounts and Other Banks Accounts)
Cash Swap
Account Overdrawn Fee (when your Account limit has been exceeded)
Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists)
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
R55.00Cash Centre Deposit: Error in Cast
Monthly Account Fee
Online and Cellphone Banking Subscriptions
InContact
Linked Savings Account (Savings Pocket)
TM
Social Grant
Monthly Fees
Transaction Description
R 6.50
FREE
FREE
FREE
This account is no longer available for new custsomers and is valid only if you live in the Eastern Cape, and get a
grant of any kind from Eastern Cape Government. You are not permitted to have debit orders with this account.
Pay with your Card
Card Purchases
FREE
Cash@Till™
FNB Mini ATM/ Slimline
Other Banks' Mini ATM
FNB ATM
Other Banks' ATM
FNB Branch
Cash Withdrawals
FREE
R 3.50
R 3.50
R 6.50
R 6.50
R 15.00
R 20.00 (per deposit)
R 85.00
R 6.50
R 15.00
Cash Deposit at FNB ATM
Cash Deposit at FNB Branch
Cheque Deposit at FNB Branch and ATM
ENC Upliftment Fee and Special Clearance
Deposits
R 1.10
R 8.50
R 8.50
Using eChannels & Mobile Channels
Other Banks' ATM
Telephone Banking (Consultant Assisted)
Prepaid Purchases
Social Grant
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Using eChannels & Mobile Channels
Point-of-Sale
Other Banks' ATM
FREE
FREE
R 1.25
Balance Enquiries
Into linked Savings Account (Savings Pocket)
Using Mobile Channels
Using eChannels
Telephone (Consultant Assisted)
FNB Branch
Easy
Forex
TM
Home
Linked Account Transfers
Transaction Description
FREE
R 1.00
R 6.50
R 35.00
R 43.00
Using Mobile Channels
Using eChannels
Telephone (Consultant Assisted)
FNB Branch
R 1.00
R 6.50
R 35.00
R 43.00
Payments
Internal
External
R 3.50
R 6.50
Debit Orders
Online
Mobile Channels
Telephone Banking (Consultant Assisted)
Branch
R 5.00
R 5.00
R 15.00
R 43.00
Cancel Debit Order (Stop Payment)
Online
Branch
FREE
R 11.50
Scheduled Payment Related (Establishment and Amendment)
Social Grant
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Statements
Transaction Description
FREE
R 3.00
Cellphone Banking Mini Statement
FNB ATM Transaction List
Historical Statements older than 3 months - Online Banking
Posted/Printed Statement
Historical Statements older than 3 months - Branch and Telephone Banking
Provisional Statement - Branch and Telephone Banking
Unsuccessful Transactions (Insufficient Funds or Limit Exceeded)
FREEFNB ATM
Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other banks’ ATM
Returned Item (Debit Order and Scheduled Payments)
Card Replacement Fees
R 80.00Electron
Convenience and Value Added Services
R 1.50
R4.25 + (R6.70 per R500.00)
Buy LOTTO™/Powerball Cardless Cash Withdrawals
Send Money
R 8.50
R 20.00
Send Money to an eWallet Reversal of Send Money to eWallet
Electronic Subscriptions Services (fee per month)
R 3.00
R 3.00
My Limit Alert
Scheduled Payment Alert
Balance Alert (fee per month)
R 0.95
R 3.00
R 15.00
Monthly
Weekly
Daily
R 6.00 (per statement)
R 13.00 (per statement)
R 13.00 (per statement)
R 13.00 (per page)
R 7.50
R 5.00 (per item)
Social Grant
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Payment Notifications
Transaction Description
R 0.70
R 1.10
R 5.00
SMS
Fax
Other Fees
R 95.00
R 55.00
R 4.35
1.61% of Cash Value
R 57.00
R 130.00
Card Courier Fee
Online Banking Password Reset Telephone Banking (Consultant Assisted)
Online Banking Account Verification (FNB Accounts and Other Banks Accounts)
Cash Swap
Account Overdrawn Fee (when your Account limit has been exceeded)
Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists)
Social Grant
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
R55.00Cash Centre Deposit: Error in Cast
Monthly Account Fee
Minimum Balance Required for Rebate
Stokvel Account
Monthly Fees
Transaction Description
R 5.75
R 5 000.00
Stokvel is a book based savings account for a group of people who want to save together.
FNB Branch
Cash Withdrawals
R 25.00
0.70% of deposit value (min R5.50)
R4.50 + 1.50% of withdrawal value
R 20.00 (per deposit)
Cash Deposit at FNB ATM
Cash Deposit at FNB Branch
Cheque Deposit at FNB Branch and ATM
Deposits
R 1.00
R 3.50
Using Mobile Channels
Using eChannels
Linked Account Transfers
R 13.00 (per page)Provisional Statement - Branch and Telephone Banking
Statements
R 24.00Lost Book Replacement Fees
Lost Book Replacement Fees
Stokvel
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Monthly Account Fee
Minimum Balance Required for Rebate
Smart Save Account
Monthly Fees
Transaction Description
R 5.75
R 5 000.00
This account is no longer available to new customers. If you have R5000 in your Smart Savings Account at all times
during the month, you will get 10 free transactions (this does not include cash deposits, special instructions,
penalty fees or statment changes).
FNB Branch
Cash Withdrawals
R 25.00
0.70% of deposit value (min R5.50)
R4.50 + 1.50% of withdrawal value
R 20.00 (per deposit)
Cash Deposit at FNB ATM
Cash Deposit at FNB Branch
Cheque Deposit at FNB Branch and ATM
Deposits
R 1.00
R 3.50
Using Mobile Channels
Using eChannels
Linked Account Transfers
R 13.00 (per page)Provisional Statement - Branch and Telephone Banking
Statements
R 24.00Lost Book Replacement Fees
Lost Book Replacement Fees
Smart Save
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Credit Card
It has grown into the ultimate transactional tool, giving you real value and benefits that make life rewarding
with everyday savings.
Bank
• FREE monthly subscription to FNB eChannels and Mobile Channels
• FREE inContact; we’ll SMS you every time R100 or more goes into, or out of your account
• FREE balance enquiries using FNB eChannels and Mobile Channels
• FREE email or posted monthly statements
• FREE lost card protection and PIN replacement
• Auto-payment solution offers you the convenience of having your account paid on time, every time
• You don’t pay extra fees when you swipe your Credit Card; there are no transaction fees no matter how big
or small your purchase
Save
• FREE unlimited swipes: all swipes are FREE, that means you save money as there are no transaction fees
when spending on small and big ticket items
• We offer you personalised and competitive debit interest rates - calculated for the individual, not
the product
• We also offer you credit interest rates
Borrow
• Up to 55 days INTEREST-FREE credit
• We offer you personalised and competitive debit interest rates of up to 3% lower than other products -
calculated for the individual, not the product
Insure
• Debt Protection Plan cover to settle your outstanding Credit Card debt in the event of death, permanent
disability and retrenchment
• Accidental Death Plan cover for you or your family in the event of your death in an accident
• Safeguard your family’s lifestyle with FNB’s Lifestyle Protector in the event of death or permanent disability
Credit Card is no longer just about credit.
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Lifestyle
• Should you meet the qualifying criteria, you could qualify for a monthly R50.00 discount on your new
smartphone or tablet offering
• FREE AA Emergency Roadside Assistance with a linked Petro Card
• Get FREE Global Travel Insurance that keeps you covered locally and internationally, when you purchase your
travel ticket(s) using your Credit Card
• For your convenience, we can deliver your Credit Card to your home or office (delivery fees may apply)
Safety
• Your Chip and Pin Credit Card provides you with a secure way to pay, making transactions safer than
ever before
• Online Secure is a service offered by FNB that uses a One Time PIN (OTP) to protect your card against
unauthorised use when transacting online
eBucks Rewards
• As a Credit Card customer, you can earn eBucks for doing everyday things like shopping, filling up with fuel
or loading airtime using your FNB Credit Card and doing your banking with FNB
• You can spend your eBucks on fuel, electronics and appliances, travel, books, CDs and DVDs, flowers,
outdoor equipment, fashion – pretty much anything!
• You will get a guaranteed 1% back in eBucks on your Credit Card spend and up to 15% back on your fuel,
prepaid airtime, electricity, Checkers & Shoprite spend
• For detailed information on how to qualify, earn and redeem your eBucks, please visit www.fnb.co.za or any
FNB Branch
Exclusive to FNB Platinum Credit Cardholders
• Access to the 24/7 Platinum Call Centre
• Access to SLOW airport lounges for domestic and international travel
• Access to SLOW in the City
• FREE Take Me Home benefit on a linked Platinum Petro Card and standalone Petro Cards allows you to make
use of a designated driver service when you need to get home safely
Terms, conditions and rules apply.*Excludes your Linked Petro Card Fee
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Bundled Platinum pricing option
From 1 October 2014, if you hold a qualifying FNB Platinum Cheque and Credit Card Account, you will qualify for the Bundled Platinum pricing option of R199 on your Platinum Cheque Account. This discounted fee will include your Platinum Cheque Account and Credit Card monthly fees as well as your eBucks linkage fee and fees for up to 5 additional Credit Cards.*
To find out more about this pricing option, please refer to the Personal Cheque Account section.
NEW
Monthly Fees
Fees that have not changed or have been reduced are reflected in turquoise. For ease of reference, monthly
NCA Card Fees for our product range have been segmented below.
Classic Credit Card Fees (per Month)
Transaction Description Fee
Credit Card Monthly Account Fee
Credit Facility Service Fee
Additional Card Fees (per Card Linked to Account)
Linked Petro Card (per Card Linked to Account)
Initiation Fee (once-off)
Credit Card Monthly Account Fee
Credit Facility Service Fee
Additional Card Fees (per Card Linked to Account)
Linked Petro Card (per Card Linked to Account)
Initiation Fee (once-off)
Credit Card Monthly Account Fee
Credit Facility Service Fee
Additional Card Fees (per Card Linked to Account)
Linked Petro Card (per Card Linked to Account)
Initiation Fee (once-off)
Petro Card Monthly Account Fee
Credit Facility Service Fee
Additional Card Fees (per Card Linked to Account)
Initiation Fee (once-off)
R23.00
R5.00
R12.50
R14.50
R135.00
R24.50
R7.50
R12.50
R14.50
R135.00
R53.00
R10.00
R13.25
R20.00
R135.00
R28.50
R7.50
R12.50
R135.00
Gold Credit Card Fees (per Month)
Platinum Credit Card Fees (per Month)
Standalone Petro Card Fees (per Month)
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Credit Card Purchase
Credit Card Budget Purchase
Commission and Currency Conversion Fee on International Card Purchases
Fuel Transaction Fee (Petro Cards only)
FNB ATM
Other Banks’ ATM
FNB Mini ATM (per R500.00)
Branch (includes all Financial Institution Branches and the Purchase of Foreign Exchange)
Cash on Budget:
Platinum
Gold
Classic
International^ (ATM and Branch)
Cheque Deposits (FREE for Encore)
% of value
Minimum
Cheque Clearance Fee
FNB ATM with Automated Deposit Terminal (ADT):
Deposits
Cash Withdrawal Fees
Definitions
• Credit Card Monthly Account Fee: is the cost charged monthly for the administration and maintenance of your
Credit Card Account
• Credit Facility Service Fee: is the cost charged monthly for the routine administration of maintaining your
Credit Facility
Other Credit Card-related Fees
^ This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATMs charge an additional surcharge.
% of Value
Purchases
Transaction Description Fee
FREE
FREE
2.75% of transaction value
R4.75 (per R500.00)
R6.70 (per R500.00)
R6.50 + FNB ATM Fee
R4.00
R43.00 + 1.61% of withdrawal value
R47.50 + % of withdrawal value
2.00%
2.25%
2.50%
R28.00 + 1.61% of withdrawal value
R20.00
0.70%
R5.50
R250.00
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
TM
Linked Account Transfers & Account Payments
Voucher Retrieval Requests
Other Fees
IVR Smart Transfer to FNB
Linked Account Transfers
Third Party Payments
Telephone Banking (Consultant Assisted)
Transfers and Payments at Branch
Local
International
Declined Transaction Fee
Bank Cheque Administration Fee
Card Replacement Fee (per Card) (Standard 3-day Delivery)
Fast-track Card Replacement Fee (per Card) (24-hour Delivery on Request)
Card Delivery to nearest FNB Branch
Card Courier Personal Delivery (FREE for Platinum Cardholders)
Section 129 Letter Fee
Send Money to an FNB eWallet
Reversal of Incorrect “Send Money to an FNB eWallet” Transaction
Cardless Cash Withdrawal (Cellphone Banking)
Pay2Cell
LOTTOTM/Powerball Purchase
Prepaid Transaction Fee (FNB ATM, Cellphone, Online & Telephone Banking)
Definitions
• Credit Card Monthly Account Fee: is the cost charged monthly for the administration and maintenance of your
Credit Card account
• Credit Facility Service Fee: is the cost charged monthly for the routine administration of maintaining your
Credit Facility
Other Credit Card-related Fees
Transaction Description Fee
FREE
R3.50
R7.00
R35.00
R43.00
R75.00
R250.00
R7.50
R80.00
R115.00
R385.00
FREE
R195.00
R55.23
R8.50
R20.00
R4.25 + FNB ATM Fee
R3.50
R2.00
R2.00
Convenience Fees
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Credit Card Monthly Account Fees and Credit Facility Service Fees are not negotiable.
Important Information
• The above pricing is inclusive of VAT
Credit Card and Petro Card customers over the age of 55 can benefit from a 50% discount on the
Monthly Card Fee, with our Encore offering, however you are required to apply for this product.
Credit Card Terms and conditions apply.
•
• 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 Credit Card products or services, please contact Credit
Card Customer Enquiries on 087 575 1111
• If your Credit Facility goes into arrears, you will be liable for collection fees in accordance with the
National Credit Act
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
eWallet
The recipient can access money in the eWallet and doesn’t even need a Bank Account.
They can get cash at any FNB ATM, buy prepaid airtime, data, electricity and more.
With eWallet, you can send money instantly to a valid South African cellphone number.
Other Fees
FREE
R6.00*
R1.50*
R6.00
R1.50
R6.00*
R1.50
FREE*
FREE
* Not applicable to eWallet Pro wallet holders. Refer to www.fnb.co.za** List of selected stores available on www.fnb.co.za
R6.00
FREE
FREE
FREE
Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise.
Transaction Description Fee
Monthly Account Fee
Deposit Cash into eWallet at FNB ATM Advance
FNB ATM Cash Withdrawals (first withdrawal per send is free)
Prepaid Purchases
Send Money from an eWallet to another eWallet
Transfer from eWallet to your FNB Account
GeoPay from eWallet
Payment to a Bank Account
Purchase or Get Cash at Selected Stores**
Monthly Dormancy Fee (charged after 6 consecutive months of inactivity)
Declined Transaction at an FNB ATM
FNB eWallet Balance Enquiry
FNB eWallet Transaction List
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Forex
With your convenience in mind, we have adapted our Forex for personal banking so that you can effortlessly:
• Send monetary gifts abroad
• Pay tuition fees in another country
• Buy clothing and goods from anywhere in the world
• Order foreign currency and have it delivered to your business premises
• Pay in advance for your travel arrangements such as accommodation, cruises, car hire, etc
• Receive money from abroad
• And so much MORE
Next time you need to order foreign currency, pay for shipments from abroad or receive incoming foreign
currency payments, use one of FNB’s channels:
• FNB Online Banking
• Forex Advisory Team
• FNB Branches
MoneyGram Channels include:
• FNB Branches (load beneficiaries and transact)
• FNB Cellphone Banking (transact once beneficiaries have been saved in-branch)
• FNB ATMs (transact once beneficiaries have been saved in-branch)
• Forex Advisory Team
Rewards
Global Payments
Sending and receiving money in a foreign currency via Online Banking will earn you up to 50% back in eBucks** on the
transaction charges.
Standing Instructions*
Should you receive money from abroad in a foreign Currency on a regular basis, you can give us permission to
convert these payments on your behalf, and you will earn up to 100% back in eBucks** on the transaction charges.
**Subject to standard eBucks earn rules.
At FNB Forex we aim to simplify your Foreign Exchange Transactions.
*Standing Instructions apply to gifts, salaries, pension, alimony and annuities.
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Cash Passport Initial load fee (per currency)
Cash Passport commission (minimum R65)
Foreign Notes commission (minimum R70)
LSL,NAD,SZL Notes Commission (minimum R90)
Cash Passport
Foreign Notes
If originally bought from FNB and proceeds credited to an FNB transactional account commission
If proceeds credited to an account other than an FNB transactional account commission (minimum R65)
Foreign Notes Commission (minimum R70)
LSL,NAD,SZL Notes Commission (minimum R90)
Outward SWIFT Transfers
Commission (minimum R135, maximum R650)
SWIFT fee
Additional fee when payment is sent in South African Rand
Inward SWIFT Transfers
Commission (minimum R135, maximum R650)
Additional fee when payment is received in South African Rand
Send Money to Zimbabwe/Mozambique
Value R100 – R1000
Value R1001 – R2000
Value R2001 – R3000
R105.00
1.850%
1.900%
3.000%
FREE
1.850%
1.900%
3.000%
0.50%
R100.00
R110.00
0.50%
R110.00
R45.00
R70.00
R105.00
Travel Products Bought from FNB
International Payments
Transaction Description Fee
Travel Products sold to FNB
Money Transfers
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Delivery charge
Failed delivery charge (if customer is not available when appointment was made)
Forward Exchange Contracts
Establishment
Drawdown (per drawdown)
Cancellation
Extension
Exchange Control Applications to the SARB
Minimum Fee (per application)
Special request or follow-up Discretionary Admin Fee (minimum)
Low Value Inward SWIFTs and Bills Negotiable
Other Products and Services
Transaction Description Fee
Delivery
R150.00
R150.00
R100.00
R100.00
R100.00
R100.00
R1 140.00
R75.00
Foreign Currency Inward SWIFTs and BNs
Value R0 - R100.00
Value R100.01 - R500.00
Value R500.01 - R1 000.00
Value R1 000.01+
Inward SWIFTs received in South African Rand
Value R0 - R100.00
Value R100.01 - R500.00
Value R5 00.01 - R1 000.00
Value R1 000.01 - R2 000.00
Value R2 000.01 - R3 000.00
Value R3000.01+
R29.00
R58.00
R111.00
Normal charges as per product pricing schedule
Normal charges as per product pricing schedule
Commission
R29.00
R58.00
R111.00
R135.00
R135.00
ZAR Fee
R0.00
R0.00
R0.00
R35.00
R90.00
Drafts
Commission (minimum R210, maximum R870)
Draft Fee
Bills Negotiable
Commission (minimum R210, maximum R870)
Foreign cheques
1.00%
R100.00
1.00%
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Transaction Description Fee
Inward Pension Transfers
R15.00
R30.00
R45.00
R48.00
R50.00
R52.00
Value R0 - R1 000.00
Value R1 000.01 - R5 000.00
Value R5 000.01 - R10 000.00
Value R10 000.01 - R25 000.00
Value R25 000.01 - R40 000.00
Value R40 000.01+
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Easy
Forex
Home
Global Accounts
With Global Accounts via Online Banking, you are able to:
• Open and manage your Global Accounts,
• Hold your individual foreign investment allowance in a foreign currency by simply transferring
funds from your FNB Cheque Account into your Global Account,
• Make payments to an offshore account from your Global Account,
• Repatriate authorised capital from abroad or send your foreign earnings from wherever you are in
the world to your Global Account.
(All transactions are subject to the South African Reserve Bank requirements)
Global Accounts are offered in the following currencies:
• US Dollar
• British Pounds
• Euros
• Australian Dollars
• Indian Rupees
• Chinese Renminbi
FNB Global Accounts makes offshore investment simple and convenient.
Transfer to/from your FNB Cheque Account to/from your Global Accounts
Transfer between Global Accounts
International Payments
Outward SWIFT Transfers
Commission (minimum R135.00 maximum R650.00)
SWIFT fee
Inward SWIFT Transfers
Commission (minimum R135.00 maximum R650.00)
Credit Interest Rate
Transaction Description Fee
Global Accounts
R50.00
R50.00
0,50%
R100.00
0,50%
Enquire
Interest is paid on Global Accounts and no minimum blance is required. Rates are subject to change.
For Credit Interest Rates, refer to rates on www.fnb.co.zaThe Small
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
MoneyGramTM
MoneyGram™ is a money transfer service used to do cross-border, person-to-person payments. It’s an
affordable, reliable, fast and convenient way to send or receive foreign currency.
Note: All beneficiaries must first be added in-branch, after which you will be able to transact via FNB ATMs
or Cellphone Banking.
With MoneyGramTM from FNB, it is easier than ever to send and receive cash globally via FNB branches, ATMs and Cellphone Banking.
$0.01
$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 Amount (USD)
$50
$100
$150
$200
$250
$300
$400
$500
$600
$700
$800
$900
$1 000
$1 200
$1 500
$1 800
$2 500
$5 000
$7 500
$10 000
$7
$10
$11
$13
$15
$17
$19
$24
$29
$34
$39
$44
$49
$55
$63
$70
$90
$140
$240
$290
Pricing is set by MoneyGramTM and subject to change at their discretion.
From To Send Fee (USD)
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account
Card Purchase
Payment
The Small PrintImportant information about our products and prices
• FirstRand Bank Ltd reserves the right to change pricing and package pricing plans 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 excluded
• You must apply for each facility or product 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 a set of terms and conditions relevant to that facility or product. We agree these
terms and conditions with the applicant. If there is a conflict between product and facility specific terms
and conditions and what is outlined in this pricing guide, we will follow the normal terms and conditions
that apply to such a 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 Provider
Standard Terminology
To assist you in comparing FNB’s 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-specific 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) Standard Terminology
Card Transaction
Third Party Payment/Stop Order
The SmallPrint
KeepingBankingSimple
SmartAccount
and IslamicSmart
Account
PersonalCheque Account
and IslamicPersonalCheque
Account
Encore Cheque
Accounts
Youth (Fluid)Account
and Islamic Youth Account
Student(Lifestart)Account
SavingsAccount
Introduction
Credit Card
MzansiAccount
Social Grant
StokvelAccount
Smart SaveAccount
eWallet
Home
MoneyGram™
Forex
GlobalAccounts
Easy AccountEasy
Account