Index

Personal Banking 

Products 

Pricing 

Guide 

1 July 2012 to 

30 June 2013 

SELF-SERVICE 

BANKING 

INNOVATION 

Enjoy VALUE 

added banking 

INNOVATIONS. 

VALUE 

REWARDS 

Index 

Introduction 1 

Personal Cheque Account 2 

Value Added Benefits & Rewards 3 

Pricing 7 

One Account 11 

Value Added Benefits & Rewards 11 

Pricing 14 

FNB Savings Account 17 

Encore Cheque Account 19 

Life Start Student Account 24 

Fluid Account 27 

eWallet from FNB 31 

Investment Products 32 

Short-Term Deposit Accounts 32 

Notice Deposit Accounts 37 

Flexi Fixed Deposit Accounts 38 

Fixed Deposit Accounts 39 

Share Investing 40 

Credit Cards 42 

Retail Forex 48 

Home Loans 51 

Important Information 52

Introduction 

The FNB Personal Banking Pricing Guide has been 

designed to assist you in understanding your bank 

charges, and to help you to make banking choices that 

best suit your lifestyle and budget. We believe in giving 

you the choice of how you do your banking, so we do not 

charge you any subscription fees for Online, Cellphone 

and Telephone Banking or the FNB Banking App. This 

means that you can choose to bank using the Internet, 

your cellphone, the telephone or your Smartphone or 

Tablet - without worrying about additional subscription 

fees before you even start transacting! The fees outlined 

in this guide are FNB’s most common VAT inclusive 

prices effective from 1 July 2012 to 30 June 2013. 

You can SAVE on your banking fees by following a few 

easy guidelines: 

• At VISA and VISA Electron enabled outlets, you should pay with 

your FNB Cheque Card, Credit or Debit Card rather than with a 

cheque or cash. It is safer, cheaper and more convenient 

• Withdraw cash at till points or by using FNB ATMs instead of 

using another Banks’ ATM where an additional fee applies 

• Avoid going into an FNB Branch - use Online and Cellphone 

Banking, the FNB Banking App or FNB ATMs to make payments, 

transfers or to check your balance 

• Use an FNB ATM to deposit your cash or alternatively ask others 

to deposit directly into your account by means of electronic 

funds transfer 

• Make sure that there is enough money in your account to cover 

all transactions. This way, you can always stay within your account 

limit and avoid penalty fees 

Where can I find out more about Pricing Options and 

Banking Fees? 

We have highlighted only the most common charges applicable to 

our Personal Accounts. If you would like more information, need help 

in choosing the most suitable pricing option for your banking needs, 

or have any questions on how to lower your bank charges, please call 

the FNB Pricing Line on 0860 11 22 44, or you can use the Online 

Fee Calculator on our website, www.fnb.co.za. Alternatively you can 

visit your nearest FNB Branch for assistance. 

Personal Cheque Account 

A Personal Cheque Account from FNB is designed for 

day-to-day use, giving you easy access to your cash and 

helping you to manage your money. 

There are four Pricing Options from which you can choose: 

(These are not available for business related use) 

1. Unlimited Pricing Option 

Who is this option for? 

This option is best for you if you want to know your fees up front and 

mainly transact through FNB’s electronic channels. 

How does this option work? 

For a fixed fee per month, you get unlimited qualifying banking 

transactions, no matter how many you do. You also get 6 free 

FNB ATM cash withdrawals per month. Additional FNB ATM cash 

withdrawals are charged at Pay-As-You-Use (PAYU) rates. Excluded 

are Branch, Cheque and other Banks’ ATM transactions as well as 

special instructions and penalty fees which are charged for separately. 

2. Mobile Pricing Option 


This option is best for you if you have taken up the FNB Smartphone, 

Tablet or Laptop offer and mainly transact through FNB’s electronic 

channels. 





withdrawals are charged at Pay-As-You-Use (PAYU) rates. Excluded 

are Branch, Cheque and other Banks’ ATM transactions as well as 

special instructions and penalty fees which are charged for separately. 

3. Pay-As-You-Use (PAYU) 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. 

1 2

4. Fee Saver Pricing Option 


This option is ideal for you if you are able to keep a minimum credit 

balance of R9 000 in your account at ALL times. 


Should you choose this option and are able to maintain the R9 000 

balance throughout the month you will receive these monthly benefits: 

• No monthly account fee 

• Unlimited qualifying electronic transactions 

• 6 free FNB ATM cash withdrawals 

• A combination of 5 free branch, cheque and telephone banking 

(consultant assisted) transactions (excluding all cash and cheque 

deposits). 

Qualifying electronic transactions are indicated with ^ and 

branch / cheque transactions as referred to above are indicated with 

# in the pricing tables. If you exceed these transaction limits or fail to 

maintain the minimum balance at ALL times throughout the month, 

you will be charged for all transactions at the applicable Pay-As-You- 

Use rates. In addition, if you do not keep the minimum credit balance 

at ALL times, you will also be charged the monthly account fee. No 

credit interest is payable on this option. 

Personal Cheque Value Added Benefits and Rewards 

With your FNB Cheque Account, you benefit from a host of 

rewards, designed especially for you. The sections below detail 

the rewards depending on the type of account you have with FNB. 

Value Added 

Benefit/ Reward 

FNB Fuel Rewards 

Earn Fuel Rewards 

by purchasing fuel 

using your FNB VISA 

Cheque Card 

FNB Airtime 

Rewards 

Earn Airtime Rewards 

by purchasing 

airtime through 

FNB’s electronic 

channels 

eBucks (eB) 

Rewards 

Earn even more 

with FNB's eBucks 

Rewards programme. 

You can spend your 

eBucks earned at 

any eBucks retail 

partners, Online or 

through the eBucks 

Contact Centre*. 

Visit www.eBucks.com 

for more information 

eBucks Discounts 

Smart Cheque 

Account 

Gold, Islamic & 

Encore Cheque 

Account 

Platinum 

Cheque 

Account 

Get up to 15% back on your qualifying fuel purchases. 

You will be rewarded on the higher of your qualifying 

monthly fuel or airtime spend 

Get up to 15% back on your qualifying airtime purchases. 

You will be rewarded on the higher of your qualifying 

monthly fuel or airtime spend 

Earn up to 0.8% 

back on qualifying 

Cheque Card 

purchases 



Cheque Card 

purchases 



Cheque Card 

purchases 

Get up to 40% off flights, gadgets, shopping vouchers, movies 

and more when bought using your eBucks through eBucks 

channels. Your reward level is determined by your banking 

behaviour and the FNB products you hold. 

Value Added 

Benefit/ Reward 

Free monthly data 

through FNB Connect 

SLOW Lounge 

access at domestic 

airport terminals 

* Terms and Conditions apply. 

Smart Cheque 

Account 

Get 1GB ADSL data 

Rewards you can earn on your spending behaviour 

• Get up to 15% back on your qualifying fuel purchases made with 

your FNB VISA Cheque Card OR up to 15% back on your qualifying 

airtime purchases made through FNB’s electronic channels. 

We maximise your rewards by rewarding you on the higher of 

your qualifying fuel or airtime spend! 

• Get up to 2.5% back in eBucks on all other qualifying Cheque Card 

purchases. 

You simply need to : 

1. Meet all the qualifying criteria stated in the next table 

2. Accumulate points in order to determine your earn level – based 

on your banking behaviour and product holdings 

3. Earn rewards which are calculated by applying the respective 

earn rate to your qualifying monthly spend. 

3 4 

Gold, Islamic & 

Encore Cheque 

Account 

Get 2GB ADSL and 

50MB 3G data 

Exclusive to Platinum Cheque Cardholders 

Platinum 

Cheque 

Account 

Get 3GB ADSL and 

100MB 3G data 

Premier Banker Exclusive access to a team of Premier Bankers for Platinum clients 

Subscription Fees 

Free access to Online, Cellphone and Telephone Banking as well as 

the FNB Banking App for your day-to-day banking 

inContact 

FNB’s free SMS and e-mail messaging service keeping you in 

touch with transactions on your account 

Monthly e-mailed 

statements 

Savings Pocket 

Bank Your Change 

(BYC) 

Save fees and the environment by opting to have your monthly 

statement e-mailed to you at no additional cost 

Set up a monthly scheduled transfer to your linked Savings Pocket. 

No fees are charged and the more you save, the better your 

interest rate. Not available to Islamic Cheque Account holders 

Automatically save your ‘left over cents’ when you make a purchase 

using your FNB VISA Cheque Card. Your purchase is rounded to the 

nearest Rand and transferred to your Savings Pocket. Additional 

‘Topup’ amounts of R2, R5, R10, R20 or R50 are available. Not 

available to Islamic Cheque Account holders

Please note that Reward rules have changed, effective 1 July 2012 FNB Connect Data 

Activity 

Have an active Cheque Account in good 

standing* 

Have total monthly deposits of at least: 

• R2 000 - Smart and Encore Cheque Account 

• R5 500 - Gold and Islamic Cheque Account 

• R16 500 - Platinum Cheque Account 

Allow FNB to communicate with you, and 

update your contact details with a valid 

e-mail address and cellphone number at 

least once in a twelve month period 

Be registered for inContact 

Transact via Online, Cellphone or Telephone 

Banking or the FNB Banking App at least once 

a month, using your own banking profile 

Swipe your Cheque Card for purchases. 

(Please note that Debit and Petrol Card 

purchases do not qualify to earn rewards 

– including Debit and Petrol Cards linked to 

your Cheque Account) 

Use an Overdraft Facility, Temporary Loan or 

Revolving Loan** 

The more FNB products you have, the more 

points you get. Choose from a Smartphone/ 

Tablet/Laptop**; Insurance product linked 

to your FNB Cheque Account (Optional 

Debt Protection, Smart Device Insurance**, 

Roadside Assistance); Savings Pocket with 

Bank Your Change (BYC) and a balance 

greater than R2 000; a Global Account**; 

an active Credit Card; and choose to receive 

your monthly statement via e-mail only 

Open a new Cheque Account or have your 

account open for three years or more 

Maintain a credit balance in your Cheque 

Account: 

• R500 - Smart Cheque Account 

• R1 000 - Gold, Islamic, Encore Cheque Account 

• R2 000 - Platinum Cheque Account 

You need to do 

this to meet the 

qualifying criteria 

How you can 

earn points 

* An account “in good standing” is one that is not overdrawn or in arrears, nor are you in 

debt counseling, sequestration or any legal or collections process with FNB. 

** Not available to Smart Cheque Account holders. 

Points Required for 

Reward Rate 

Fuel / Airtime 

Rewards Rate 

eBucks 

Rewards Rate 

1.00% 0.40% 

2.50% 0.60% 

0.80% (Maximum 

5.00% 

rate for Smart Cheque 

Points are allocated for each of the 

Accounts) 

activities mentioned above. The 

total points will then determine 

the rate at which you would earn 

rewards 

7.50% 

1.20% (Maximum 

rate for Gold, Islamic 

& Encore Cheque 

Accounts) 

10.00% (non-eBucks 

members) 

15.00% (eBucks 

members only) 

2.50% (Maximum rate 

for Platinum Cheque 

Accounts) 

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

To qualify for your free data you simply need to meet the qualifying 

criteria indicated in the next table. You will be notified by SMS when 

your data is available, which will be monthly in arrears, 

in the first week of each calendar month. 

Cheque 

Account Type 

Smart 

Gold, Islamic & Encore 

Platinum 



SLOW Lounge (Domestic) 

Platinum Cardholders enjoy exclusive access to SLOW Lounges, 

which can be found at the domestic terminals of O.R. Tambo, Cape 

Town and King Shaka International airports. 

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



5 6 

Qualifying Criteria 

Have an active Cheque Account in 

good standing* 

Have total monthly deposits of at least: 

R2 000 (Smart and Encore); 

R5 500 (Gold and Islamic) 

R16 500 (Platinum) 

SLOW Lounge - Qualifying Criteria 

Active Cheque Account in good standing* 

Free 

Monthly Data 

1GB ADSL 

2GB ADSL 

50MB 3G 

3GB ADSL 

100MB 3G 

Have total monthly deposits of at least R16 500 into your Cheque Account and swipe to the 

value of R5 000 on your Platinum Cheque Card in the calendar month preceding your visit 

Have a valid, personalised Platinum Cheque Card 

(Failing which, access to the SLOW Lounge will NOT be granted) 

SLOW Lounge - Reward 

Peak time allocation 

Off-peak time 

allocation 

You meet the Qualifying 

Criteria 

2 free SLOW Lounge 

visits per month for the 

cardholder only. No guest 

visits 

4 free SLOW Lounge 

visits per month for the 

cardholder 

(including guests) 

You do NOT meet the 

Qualifying Criteria 

2 SLOW Lounge visits per 

month (charged at 

R250 pp) for the cardholder 

only. No guest visits 

4 SLOW Lounge visits per 

month (charged at 

R250 pp) for the cardholder 

(including guests) 

Note: Peak times are on Weekdays (Mon-Fri): 04h45-07h00 and 15h00-17h30 as well as 

on Sundays: 15h00 – 17h30. All entries are non-transferrable, with any additional entries 

(in excess of those mentioned above and where qualifying criteria have been met) being 

charged at R250 per person (pp) during peak and at R125 (pp) during off-peak. 

For further details on your total points and rewards rate, visit 

www.fnb.co.za.

Personal Cheque Account Pricing 

1. Unlimited and Mobile Pricing Options 

You get unlimited qualifying transactions for a fixed fee per month. 

Qualifying transactions include: 

• Debit Orders 

• Card Purchases 

• Electronic Prepaid Purchases 

• Electronic Payments and Transfers 

• Cash@Till 

Electronic transactions above refer to transactions done via FNB 

Online Banking, Cellphone Banking, FNB Banking App, Telephone 

Banking (IVR) and FNB ATMs . 

Monthly Fees 

Fee Description Smart Cheque 

* An additional monthly Exchange Control Admin Fee of R13.00 for Non Resident Cheque 

Accounts applies. 

** 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. 

Transaction Fees 

Gold & Islamic 

Cheque 

Card Self-Service * Telephone 

(Consultant) 

Branch / 

Cheque 

Card Purchases Unlimited** - - - 

FNB Prepaid Purchases - Unlimited*** R8.00 - 

Unlimited: 6 

free per month 

- 

FNB Cash Withdrawals Unlimited Mobile: 4 free per 

R38.00 + 

(local) 

(Cash@Till) month. Thereafter 

1.35% of 

R6.00 per R500 or 

part thereof**** 

value 

Transfers - Unlimited R34.00 R38.00 

Payments - Unlimited R34.00 R38.00 

Debit Orders Unlimited 

Platinum 

Cheque 

Monthly Account Fee* 

(Includes monthly VISA Cheque Card and 

Lost Card Protection fees) 

Subscriptions to inContact, 

R79.00 R97.00 R120.00 

Online, Cellphone, 

Telephone Banking and the 

FNB Banking App 

Free Free Free 

Monthly Device Payment** Not applicable Device dependent Device dependent 

Petrol Card Fee 

(Linked to Cheque Account) 

R12.50 R12.50 R12.50 

* FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and 

FNB ATMs. 

** International Commission and Conversion fee of 2.75% of the transaction value applies 

for international purchases. 

*** Prepaid Purchases at other Banks’ ATM charged at R7.00. 

**** ATM Cash Withdrawals at other Banks’ ATM charged at R6.50 + (R6.00 per R500 or 

part thereof, max R24.00) from the first withdrawal. 

Other Transaction Fees Payable on this Pricing Option 

Cash Withdrawals 

Fee 

FNB Mini ATM Unlimited 

Other Banks’ Mini ATM R7.00 

International ATM* R38.00 

International Branch* R38.00 + 1.50% of value 

* International Commission and Conversion fee of 2.75% of the transaction value applies. 

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

• You are charged for each transaction at the applicable fee 

• Free qualifying transactions included if you are able to keep a 

minimum credit balance of R9 000 in your account at ALL times 

on the Fee Saver Pricing Option 

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



** Only applicable if you have taken up the FNB Smartphone/Tablet/Laptop offer. 



7 8 

Monthly Fees 

Fee Description Smart Cheque 

Monthly Account Fee* 

(Includes monthly VISA Cheque Card and 

Lost Card Protection fees) 

Minimum Credit Balance 

for rebate on fees 

(Fee Saver only) 

Subscriptions to inContact, 

Online, Cellphone, 

Telephone Banking and the 


Monthly Device Payment 

(Pay-As-You-Use only)** 

Petrol Card Fee 

(Linked to Cheque Account) 

Gold & Islamic 

Cheque 


(Consultant) 

Platinum 

Cheque 

R22.00 R27.00 R35.00 

R9 000 R9 000 R9 000 


Not applicable Device dependent Device dependent 

R12.50 R12.50 R12.50 

Branch / 

Cheque 

Card Purchases (local) Free - - - 

FNB Prepaid Purchases** - R1.00^ R8.00 


FNB ATMs. 

** Prepaid Purchases at other Banks’ ATM charged at R7.00. 

*** ATM Cash Withdrawals at other Banks’ ATM charged at R6.50 + (R6.00 per R500 or 


**** Includes Debit Orders to Wesbank, FNB Credit Card, FNB Home Loans, FNB Loans and 

FNB Funeral Cover. 

^ 

# 

Free on Fee Saver if minimum credit balance is kept throughout the month. 

Limited to a combination of 5 free on Fee Saver if minimum balance is kept throughout 

the month. 

# - 

FNB Cash Withdrawals 

(local)*** Fee Saver: if balance 

kept, 6 free per month thereafter 

fee applies 

R0.90^ 

(Cash@Till) 

R6.00 per 

R500 or part 

thereof 

- 

R30.00 # + 

1.35% of 

value 

Transfers - R3.30^ R27.50 # R30.00 # 

Payments - R7.00^ R27.50 # R30.00 # 

Internal Debit Orders**** R3.50^ 

External Debit Orders R15.00^

Other Transaction Fees Payable on this Pricing Option Fee 

Purchases 

International Card Purchases* R2.90^ 

Petrol Card Purchases 


R3.95^ 

FNB Mini ATM (per R500 or part thereof) R2.90^ 

Other Banks’ Mini ATM (per R500 or part thereof) R4.25 


International Branch* 

R24.00 # + 1.50% 

of value 


^ Free on Fee Saver if minimum credit balance is kept throughout the month. 

# Limited to a combination of 5 free on Fee Saver if minimum balance is kept throughout 

the month. 

Other transaction fees payable irrespective 

of the pricing option selected 

Payments 

Bank Cheque 

Stop Payments 

R70.00 

Online Banking, Cellphone Banking and FNB Banking App R10.00 

Telephone Banking (consultant assisted) R35.00 

FNB Branch 

Scheduled Payment Related Fees 

R70.00 

Establishment and Amendment Fees (Online Banking) Free 

Establishment Fee (FNB Branch) R12.00 

Amendment Fee (FNB Branch) 

Deposits 

Cheque Deposits 

R9.00 

FNB ATM and FNB Branch (per deposit) 

Cash Deposits 

R15.00 

FNB ATM 

0.70% of value, 

min R5.50 

FNB Branch 


min R20.00 

ENC Upliftment Fee and Special Clearance 

Balance Enquiries 

R75.00 

FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), 

FNB Banking App and FNB ATMs 

Free 

Other Banks’ ATM R3.95 

Point-of-Sale R1.35 

International Point-of-Sale R2.50 

Branch and Telephone Banking (consultant assisted) 

Statements 

R3.95 

Posted/Printed statement R10.50 per statement 

Current month e-mailed statement Free 

First official monthly statement collected at an FNB Branch Free 

FNB ATM Mini Statement (print or view) R2.80 

Bank Statement Exchange Fee R5.50 per statement 

e-Mailing of historical statements (older than 3 months) - Online Banking R5.50 per statement 

e-Mailing of historical statements (older than 3 months) - Branch 

and Telephone Banking 

R9.90 per statement 

Provisional Statement (Branch and Telephone Banking) 

Penalty Fees 

R9.90 per page 

Unpaid Cheques / Debit Orders (per item) 

Honouring Fee (Charged per item in excess of your account limit on 

accounts with credit agreements before 1 June 2007) 

Fee 

R60.00 (R138.00 

per item for the 4th & subsequent items 

within 12 months) 

R95.00 (R120.00 



Penalty Fees 

Incidental Credit Fee (Charged per month in excess of your account 

limit, applies to accounts without credit facilities or with credit 

agreements after 1 June 2007) 

Declined Transactions 

R57.00 

FNB ATM (Insufficient Funds or Limit Exceeded) Free 

Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other 

Banks’ ATM 

R6.50 

Deposit of post-dated cheque (per cheque) 

Card Replacement Fee 

R80.00 

VISA Electron Debit Card R68.00 

FNB Petrol Card R100.00 

VISA Cheque Card / Chip & PIN Card 

Credit Related Fees 

R100.00 

Monthly Credit Service Fee (Charged only if the Overdraft is utilized 

in excess of R200) 

R28.50 

Monthly Credit Fee (Revolving Loan) R40.00 

Incidental Credit Fee (Revolving Loan) 

Copies of Vouchers (Deposit Slips and Cheques) 

R57.00 

Online Banking Free 

Branch and Telephone Banking 

Cheque Book Fees 

R20.00 per side 

Pocket 40 Form R35.00 

Convenience and Value Added Service Fees Fee 

Roadside Assistance (linked to Cheque Card - fee per month) R5.00 

LOTTO / PowerBall Purchase R1.50 

Pay & Clear Now (Online Banking, FNB Banking App and 

FNB Branch: selected participating Banks only) 

R38.00 

Cardless Cash Withdrawal (Cellphone Banking) 

Send Money to an FNB eWallet 

R4.00 + (R6.00 per R500 or 

part thereof, max R24.00) 

Value: R0.01 – R1 000.00 R8.50 

Value: R1 000.01 – R1 500.00 R12.50 

Additional Statements (fee per month) Paper Online 

Daily R75.00 R42.00 

Weekly R30.00 R19.00 

Twice Monthly 

Balance Alerts (fee per month) 

R15.00 R10.50 

Monthly R0.90 

Weekly R2.95 

Daily 

Electronic Subscription Services (fee per month) 

R14.80 

My Limit Alert R2.95 

Scheduled Payment Alert 

Payment Notifications 

R2.75 

E-mail R0.68 

SMS R1.05 

Fax 

Other Fees 

R4.85 

Card Courier Fee (free for Platinum Cheque Cardholders) R120.00 

Smartphone/Tablet/Laptop Courier Fee R150.00 

Online Banking Password Reset (consultant assisted) R50.00 

Online Banking Account Verification R3.90 

Online Banking Payment History (older than 3 months) R3.90 

For any fee or FNB Personal Cheque Account queries please call 

0860 11 22 44. 

9 10

One Account 

This single facility, secured by your home, has all the 

functions of a Cheque Account, Overdraft, Personal Loan 

and Home Loan. It’s convenient and more affordable than 

having to manage and pay fees on multiple accounts. 

There are two pricing options available for this account: 










withdrawals are charged for. Excluded are Branch, Cheque and other 

Banks’ ATM transactions as well as special instructions and penalty 

fees which are charged for separately. 



This option is best for you if you have taken up the FNB Smartphone/ 

Tablet/Laptop offer and mainly transact through FNB’s electronic 

channels. 





withdrawals are charged for. Excluded are Branch, Cheque and other 

Banks’ ATM transactions as well as special instructions and penalty 

fees which are charged for separately. 

One Account Value Added Benefits and Rewards 

With your FNB One Account, you benefit from a host of rewards, 

designed especially for you! The sections to follow detail the rewards 

on your account: 

Value Added Benefit/ Reward One Account 


Earn Fuel Rewards by purchasing fuel using 

your FNB VISA Cheque Card and by adapting 

your banking behaviour 

FNB Airtime Rewards 

Earn Airtime Rewards by purchasing airtime 

through FNB’s electronic channels. 

eBucks (eB) Rewards 

Earn even more with FNB’s eBucks rewards 

programme. You can spend your eBucks 

earned at any eBucks retail partners, Online 

or through the eBucks Contact Centre* 

Visit www.eBucks.com for more information 

eBucks Discounts 

11 12 

Get up to 15% back on qualifying fuel 

purchases. You will be rewarded on 

the higher of your qualifying fuel or 

airtime spend 

Get up to 15% back on your qualifying 

airtime purchases. You will be rewarded 

on the higher of your qualifying fuel or 

airtime spend 

Earn up to 2.5% back on qualifying 

Cheque Card purchases 

Get up to 40% off flights, gadgets, 

shopping vouchers, movies and more when 

bought using your eBucks through eBucks 

channels. Your reward level is determined 

by your banking behaviour and the FNB 

products you hold 

Free monthly data through FNB Connect Get 3GB ADSL and 100MB 3G data 

SLOW Lounge access at domestic 

airport terminals 

Premier Banker 

Subscription Fees 

inContact 

Monthly e-mailed statements 

* Terms and Conditions apply. 

Exclusive to Platinum Cheque 

Cardholders. Refer to ‘SLOW Lounge’ in the 

Personal Cheque section for details 

Exclusive access to a team of Premier 

Bankers for Platinum Clients 

Free access to Online, Cellphone and 

Telephone Banking 

FNB’s free SMS and e-mail messaging 

service keeping you in touch with 

transactions on your account 

Help save the environment by opting to 

have your monthly statement e-mailed to 

you, at no additional cost 

Rewards you can earn on your spending behaviour 

• Get up to 15% back on your qualifying fuel purchases made with 

your FNB VISA Cheque Card OR up to 15% back on your qualifying 

airtime purchases made through FNB’s electronic channels. 

We maximise your rewards by rewarding you on the higher of 

your qualifying fuel or airtime spend! 

• Get up to 2.5% back in eBucks on all other qualifying Cheque 

Card purchases. 

You simply need to : 

1. Meet all of the qualifying criteria stated in the table that follows; 

2. Accumulate points in order to determine your earn level – based 

on your banking behaviour and product holdings; 

3. Earn rewards which are calculated by applying the respective 

earn level rate to your qualifying monthly spend. 

Please note that rewards have changed, effective 1 July 2012. 

See the next table for the updated qualifying criteria and points 

allocation for eBucks and Fuel OR Airtime Rewards on your One 

Account.

Points Required for Reward Rate 

Fuel / Airtime 

Rewards Rate 

eBucks 

Rewards Rate 

1.00% 0.40% 

2.50% 0.60% 

Points are allocated for each of the 

5.00% 0.80% 

activities mentioned above. The total points 

will then determine the rate at which you 

would earn rewards. 

7.50% 

10.00% (noneBucks 

members) 

15.00% (eBucks 

members only) 

1.20% 

2.50% 

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

For further details on your total points and rewards rate, visit www.fnb.co.za 

FNB Connect Data 

Activity 

Have an active One Account in good standing* 

Have total monthly deposits of at least R16 500 

into your One Account** 

Allow FNB to communicate to you, and update 

your contact details with a valid e-mail address 

and cellphone number at least once in a twelve 

month period 

To qualify for your free data you need to meet the qualifying criteria. 

You will be notified by SMS when your data is available, which will be 

monthly in arrears, in the first week of each calendar month. 

Qualifying Criteria Free Monthly Data 

To qualify for your free ADSL & 3G data you need to meet 

all the qualifying criteria for eBucks and Fuel / Airtime 

Rewards. Refer to the two previous tables. FNB Connect 

terms and conditions apply. 

You need to do 

this to meet the 

qualifying criteria 

3GB ADSL 

100MB 3G 

How you 

can earn 

points 

Be registered for inContact 

Transact via Online, Cellphone or Telephone Banking, 

or the FNB Banking App at least once a month 

Receive your One Account statements via e-mail only 

Have active FNB Cheque Cards only (not Debit 

Cards) linked to your One Account 

Swipe your Cheque Card for purchases. 

(Please note that Debit and Petrol Card purchases 

do not qualify to earn rewards – including Debit and 

Petrol Cards linked to your Cheque Account) 

Have your account open for three years or more 

Maintain an active FNB Credit Card 

Keep a balance of R10 000 or more in an FNB 

Investment Account 

Have a Smartphone/Tablet/Laptop through FNB 

Ensure that your One Account has not been in 

arrears three months preceding the month in which 

the points are allocated 

New FNB customers will receive a joining bonus in 

the month that your initial bond is registered in the 

Deeds Office. This is a once off bonus 



** For One Accounts opened prior to November 2008, a minimum monthly deposit of R7500 

is required. All qualifying critieria must be met. Only eBucks rewards can be earned. 

One Account Pricing 


Monthly Fees 

Monthly Account Fee (Includes monthly VISA Cheque Card and Lost Card Protection fees) R100.00 

Monthly Service Fee R175.00 

Petrol Card Fee (Linked to Cheque Account) R12.50 

Subscriptions to inContact, Online, Cellphone, Telephone Banking 

and FNB Banking App 

Free 

Monthly Device Payment* Device dependent 

* Only applicable if you have taken up the FNB Smartphone /Tablet/Laptop offer. 




FNB ATMs. 







13 14 


(Consultant) 

Branch / 

Cheque 


FNB Prepaid Purchases - Unlimited*** 

Unlimited: 

R8.00 - 


(local) 

Unlimited 

(Cash@Till) 

6 free per month. 

Mobile: 4 free per 

month. Thereafter, 

R6.00 per R500 or 


_ 

R38.00 + 

1.35% of 

value 




Other Transaction Fees Payable Fee 






Payments 

R38.00 + 1.50% 

of value 

Bank Cheque 

Stop Payments 

R70.00 



FNB Branch R70.00





Deposits 


R9.00 


Cash Deposits 

R15.00 

FNB ATM 


min R5.50 

FNB Branch 


min R20.00 



R75.00 



Free 





Statements 

R3.95 

Posted/Printed statement R10.50 per statement 

Current month e-mailed statement Free 

First official monthly statement collected at an FNB Branch Free 








Penalty Fees 





R60.00 

(R138.00 per 

item for the 4th & 

subsequent items 


R95.00 

(R120.00 per 

item for the 4th & 

subsequent items 


Incidental Credit Fee (Charged per month in excess of your account 

limit, applies to accounts without credit facilities or with credit 



R57.00 



Banks’ ATM 

R6.50 

Deposit of post-dated cheque (per cheque) 


R80.00 



VISA Cheque Card / Chip & PIN Card 


R100.00 

Monthly Credit Service Fee (Charged only if the Overdraft is utilized 

in excess of R200) 

R28.50 


Incidental Credit Fee (Revolving Loan) R57.00 





Branch and Telephone Banking R20.00 per side 

Loan-Related Fees 

Initiation Fee (Once-off) R5 700.00 

Re-instatement Fee R285.00 

Future Use Withdrawal Fee R1 250.00 

Valuation / Revaluation Fee R1 250.00 

Early Settlement Fee 

15 16 

Levied when Home 

Loan is cancelled 

without giving 90 days 

notice. Fee is based on 

outstanding balance 

of loan, your interest 

rate and remaining 

loan term. 




Pay & Clear Now (Online Banking, FNB Banking App and FNB 

Branch: selected participating Banks only) 

R38.00 

R4.00+(R6.00 per 



R500 or part thereof, 

max R24.00) 

Value: R0.01 – R1 000.00 R8.50 

Value: R1 000.01 – R1 500.00 R12.50 


Daily R75.00 R42.00 

Weekly R30.00 R19.00 

Twice Monthly 


R15.00 R10.50 

Monthly R0.90 

Weekly R2.95 

Daily 


R14.80 




R2.75 

E-mail R0.68 

SMS R1.05 

Fax 

Other Fees 

R4.85 

Card Courier Fee (free for Platinum Cheque Cardholders) R120.00 





For any fee or FNB One Account queries please call 

0860 FNB ONE (362 663).

FNB Savings Account 

The FNB Savings Account is a flexible savings account 

that allows you to save while giving you easy access to 

your money. 

Who is this product for? 

The product is ideal for you if you are looking for a savings account 

and can maintain a balance of at least R2 000. 

How do I get a rebate on my banking fees? 

You will not pay the monthly account fee if you maintain a balance of 

at least R2 000 in your FNB Savings Account at all times. 

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

• Free Cheque and Debit Card Purchases 

• You can earn attractive interest rates on your savings balance 

• Free monthly e-mailed statements 

• No Subscription Fees for Online, Cellphone, Telephone Banking and 

the FNB Banking App 

• Free inContact 

FNB Savings Account Pricing 


Monthly Fees 

Account balance of R2 000 + Free 

Account balance below R2 000 R5.50 



(Consultant) 

Branch / 

Cheque 

Card Purchases Free** - - - 

FNB Prepaid Purchases - R1.00 R8.00 - 


(local) 

R1.00 

(Cash@Till) 

R10.00 per R500 

or part thereof, max 

R40.00*** 

- R30.00 

Transfers - R5.00 R27.50 R30.00 

Payments - R10.00 R27.50 R30.00 

Internal Debit Orders**** R5.00 

External Debit Orders R15.00 


FNB ATMs. 

** International Commission and Conversion fee of 2.75% of the transaction value 

applies for international purchases. 




Any other fees not specifically mentioned above are charged at the 

same rates as Personal Cheque Account Pay-As-You-Use fees (pg 8). 

For any fee or FNB Savings Account queries please call 

0860 11 22 44. 

17 18 

Other Fees Fee 


FNB Mini ATM (per R500 or part thereof) R5.00 

R6.50 + FNB ATM 

Other Banks’ ATM 

Fee 

Deposits 


FNB ATM and FNB Branch (per deposit) R15.00 

Cash Deposits 

0.70% of value, min 

FNB ATM 

R5.50 

1.35% of value, min 

FNB Branch 

R20.00 

ENC Upliftment Fee and Special Clearance R75.00

Encore Cheque Account 

What benefits will I receive on my FNB Encore Cheque Account 

(designed for customers aged 55 and older)? 

Please see ‘Personal Cheque Value Added Benefits and Rewards’ in 

the Personal Cheque Account section. You also get: 

• Preferential interest rates on the Savings Pocket linked to your 

FNB Encore Cheque Account (No fees are charged on your Savings 

Pocket and the more you save, the better your interest rate) 

• 50% discount on the FNB Credit Card Monthly / Annual Card fee 

(including Petro Card). FNB Credit Card Terms and Conditions apply. 

There are three pricing options available to Encore customers: 


1. Standard Encore Pricing Option 


This option is ideal if you are able to maintain a specified credit 

balance at all times. 


Cheque Balance Option: you will not pay the monthly account 

fee if you are able to maintain at least R5 000 in your Encore 

Account throughout the month. This option includes unlimited 

qualifying electronic transactions, 6 free FNB ATM cash withdrawals 

and a combination of 3 free branch, cheque and telephone banking 

(consultant assisted) transactions (excluding all cash and cheque 

deposits) per month. 

Pocket Savings Option: you will not pay the monthly account fee 

if you pledge at least R10 000 in your Savings Pocket linked to your 

Encore Account. This option includes unlimited qualifying electronic 

transactions, 6 free FNB ATM cash withdrawals and a combination of 

3 free branch, cheque and telephone banking (consultant assisted) 

transactions (excluding all cash and cheque deposits) per month. 







transactions, no matter how many you do. You also get 6 free FNB 

ATM cash withdrawals per month. Additional FNB ATM cash 

withdrawals are charged for. Excluded are Branch transactions, 

Cheque and other Banks’ ATM transactions as well as special 

instructions and penalty fees which are charged for separately. 



This option is best for you if you have taken up the FNB Smartphone/ 

Tablet/Laptop offer and mainly transact through FNB’s electronic 

channels. 








Encore Account Pricing 

1. Standard Pricing Option 


Monthly Fees 

Monthly Account Fee 

(Includes Monthly VISA Cheque Card Fee and Lost Card Protection fees) 

Minimum Balance for Rebate on Monthly Account Fee 

19 20 

R97.00 

Cheque Balance Option: R5 000 

Savings Pocket Option: R10 000 

Subscriptions to inContact, Online, Cellphone and 

Telephone Banking and the FNB Banking App 

Free 

Monthly Petrol Card Fee (Linked to Encore Cheque Account) R12.50 



(Consultant) 

Branch / 

Cheque 



FNB Cash 

Withdrawals (local) 

Unlimited 

(Cash@Till) 

6 free per month. 

Thereafter, R6.00 per 

R500 or part thereof**** 

- 

R19.50 + 

1.35% of 

value # 

Transfers - Unlimited R11.50 # 

R19.50 # 

Payments - Unlimited R11.50 # 

R19.50 # 



FNB ATMs. 






# 

Free if transaction is within the combined limit of first 3 branch and cheque transactions 

per month.



FNB Mini ATM (per R500 or part thereof) Unlimited 





2. Unlimited / Mobile Pricing Options 


Monthly Fees 

Monthly Account Fee (Includes Monthly VISA Cheque Card Fee and Lost Card Protection fees) R85.00 

Subscriptions to inContact, Online, Cellphone and Telephone 

Banking and the FNB Banking App 

Free 

Monthly Device Payment* Device Dependent 

Monthly Petrol Card Fee (Linked to Encore Cheque Account) R12.50 

* Only applicable if you have taken up the FNB Smartphone/Tablet/Laptop offer. 




(Consultant) 

Branch / 

Cheque 



FNB Cash 


Unlimited 

(Cash@Till) 

Unlimited: 6 free 

per month 

Mobile: 4 free per 

month. Thereafter 

R6.00 per R500 or 


- R38.00 

+ 1.35% 

of value 





FNB ATMs. 













Fees applicable irrespective of pricing option selected 

Payments 

Fee 

Bank Cheque 

Stop Payments 

R70.00 



FNB Branch 


R70.00 

Establishment and Amendment Fees 

Card Purchases 

Free 

International Cheque and Debit Card Purchases* Unlimited 


Deposits 


Unlimited 


Cash Deposits 

R15.00 

FNB ATM 0.70% of value, min R5.50 

FNB Branch 1.35% of value, min R14.00 



R75.00 

FNB Online Banking, Cellphone Banking, Telephone Banking 

(IVR), FNB Banking App and FNB ATMs 

Free 


Point-of-Sale Unlimited 

International Point-of-Sale Unlimited 


Statements 

R3.95 

Official Monthly Statement Free 

Cellphone Banking Mini Statement Free 

FNB ATM Mini Statement (view or print) R2.80 


e-Mailing of historical statements (older than 

3 months) - Online Banking 


e-Mailing of historical statement (older than 

3 months - Branch and Telephone Banking) 



Penalty Fees 


R60.00 (R138.00 per item 


for the 4th & subsequent 

items within 12 months) 

Honouring Fee (Charged per item in excess of your account R95.00 (R120.00 per item 

limit on accounts with credit agreements before 1 June for the 4 

2007) 

th & subsequent 


Incidental Credit Fee (Charged per month if you exceed your 

account limit) 


R57.00 



Banks’ ATM 

R6.50 

Deposit of post-dated-cheque (per cheque) 


R80.00 



VISA Cheque Card/ Chip & PIN Card 


R100.00 

Monthly Credit Service Fee (charged only if the Overdraft is 

utilized in excess of R200) 

R28.50 


Incidental Credit Fee (Revolving Loan) R57.00 


21 22

Fees applicable irrespective of pricing option selected Fee 



Branch and Telephone Banking R20.00 per side 






Pay & Clear Now (Online Banking, FNB Banking App and 

FNB Branch: selected participating Banks only) 

R38.00 



R4.00 + (R6.00 per R500 or 

part thereof, max R24.00) 

Value: R0.01 – R1 000.00 R8.50 

Value: R1 000.01 – R1 500.00 R12.50 


Daily R75.00 R42.00 

Weekly R30.00 R19.00 

Twice Monthly 


R15.00 R10.50 

Monthly R0.90 

Weekly R2.95 

Daily 


R14.80 




R2.75 

E-mail R0.68 

SMS R1.05 

Fax 

Other Fees 

R4.85 

Card Courier Fee (free for Platinum Cheque Card holders) R120.00 




Viewing of Payment History (older than 3 months) R3.90 

For any fee or FNB Encore Account queries please call 

0860 11 22 44. 

Life Start Student Account - 

For Registered Students 

The Life Start Student Account is available to registered 

full time students aged 18 to 25. At FNB we believe that 

as a student, managing your cash and finances should 

be the least of your worries. That is why FNB offers you 

hassle-free student money management and you do not 

need to worry about expensive bank charges. 

For a fixed monthly fee on your Life Start Student Account you 

will receive unlimited electronic transactions, which include: 

• Debit Card Purchases (Local and International) 

• Prepaid Purchases through FNB’s electronic channels 

• Electronic Linked Account Transfers 

• Electronic Third Party Payments 


• Scheduled Payments and Transfers 

• Cash Withdrawals at an FNB Mini ATM or Point-of-Sale (Cash@Till) 

• Electronic Balance Enquiries 

You also get: 

• 6 free FNB ATM cash withdrawals per month, thereafter fees 

apply 

FNB’s electronic channels are FNB Online Banking, Cellphone 

Banking, Telephone Banking (IVR), FNB Banking App and FNB 

ATMs. You also get free inContact which helps you to manage your 

finances, and you pay no subscription fees for Online, Cellphone 

and Telephone Banking as well as the FNB Banking App, so you 

can bank wherever you choose without having to worry about fees 

before you even start transacting! 

Life Start Student Account Pricing 


Monthly Fees 

Monthly Account Fee R22.30 

Subscriptions to inContact, Online, Cellphone and Telephone 


23 24 

Free



(Consultant) 

Fee Description Fee 

Branch 



FNB Cash 


Unlimited 

(Cash@Till) 

6 Free per month 

thereafter R6.00 

per R500 or part 

thereof**** 






Deposits 


R38.00 + 1.50% of value 


Cash Deposits 

R15.00 




Payments 

R75.00 

Bank Cheque 

Stop Payments 

R70.00 



FNB Branch 


R70.00 





R9.00 

FNB Online Banking, Cellphone Banking, Telephone 

Banking (IVR), FNB Banking App and FNB ATMs 

Free 



Statements 

R3.95 



e-Mailing of historical statements (older than 3 months)- 

Online Banking 


e-Mailing of historical statements (older than 3 months)- 



Provisional Statement (Online Banking) Free 

Provisional Statement (Branch and Telephone Banking) R9.90 per page 


- 

R38.00 

+ 1.35% 

of value 





FNB ATMs. 






Penalty Fees 



25 26 

R60.00 (R138.00 

per item for the 4 th & 

subsequent items within 

12 months) 



Banks’ ATM 

R6.50 

Deposit of post-dated-cheque (per cheque) 


R80.00 

MasterCard Debit Card R68.00 




Branch: Selected participating Banks only) 

R38.00 

R4.00 + (R6.00 per 




max R24.00) 

Value: R0.01 – R1 000.00 R8.50 

Value: R1 000.01 – R1 500.00 R12.50 


Daily R75.00 R42.00 

Weekly R30.00 R19.00 

Twice Monthly 


R15.00 R10.50 

Monthly R0.90 

Weekly R2.95 

Daily 


R14.80 




R2.75 

E-mail R0.68 

SMS R1.05 

Fax 

Other Fees 

R4.85 

Card Courier Fee R120.00 




For any fee or FNB Life Start Student Account related queries please 

call 0860 11 22 44.

Fluid Account - 

For Youth and Teens 

The Fluid Account is a transactional and savings account 

designed to meet the needs of customers 18 years and 

younger. 

There are two pricing options from which you can choose: 



This option is best for you if you are able to maintain a balance of 

R500 in your account at ALL times. 


You will not pay the monthly account fee if you have at least R500 in 

your account at ALL times. Irrespective of your account balance, you 

will receive 2 free qualifying debits per month, whereafter you will be 

charged an applicable fee per transaction. Qualifying debits include: 

• Cash@Till 

• FNB ATM Cash Withdrawals 

• Payments 

• Transfers 


Local Card Purchases and Electronic Prepaid Purchases are free. 












Fluid Account Pricing 




Monthly Fees 

Monthly Fee (Only charged if the account balance drops below R500) R5.55 

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



Monthly Fees 

Monthly Fee R22.30 

Subscriptions to inContact, Online, Cellphone and Telephone Banking and 


27 28 

Free 


(Consultant) 

Branch 


FNB Prepaid Purchases - Free** R8.00 - 

FNB Cash 



R0.90 

(Cash@Till) 

R6.00 per R500 or 

part thereof*** 


FNB ATMs. 

** Prepaid Purchases at other Banks’ ATM charged at R7.00. 





Payments 

International Card Purchases* 


R2.90 

FNB Mini ATM (per R500 or part thereafter) R2.90 

Other Banks’ Mini ATM (per R500 or part thereafter) R4.25 





- 

R30.00 

+ 1.35% 

of value 

Transfers - R3.30 R27.50 R30.00 

Payments - R7.00 R27.50 R30.00 



Free



(Consultant) 

Branch 




(local) 

Unlimited 

(Cash@Till) 

6 Free per month, 

thereafter R6.00 per 


max R24.00**** 

- 

R38.00 

+1.35% 

of value 





FNB ATMs. 











R38.00 + 1.50% of 

value 


Fees applicable irrespective of pricing option selected Fee 

Payments 

Bank Cheque 

Stop Payments 

R70.00 



FNB Branch 


R70.00 




Deposits 


R9.00 


Cash Deposits 

R15.00 





R75.00 

FNB Online Banking, Cellphone Banking, Telephone Banking 

(IVR), FNB Banking App and FNB ATMs 

Free 



Branch and Telephone Banking (consultant assisted) R3.95 

Statements 



e-Mailing of historical statements (older than 3 months) - 

Online Banking 


e-Mailing of historical statements (older than 3 months) - 



Provisional Statement (Online Banking) Free 


Penalty Fees 


R60.00 (R138.00 per item 

Unpaid Debit Orders (per item) 

for the 4th & subsequent 




R68.00 

FNB ATM Declined Transaction 

(Insufficient Funds or Limit Exceeded) 

Free 

Other FNB (Point-of-Sale, Scheduled Payment, EDO) and 

other Banks’ ATM 

R6.50 

Deposit of post-dated cheque (per cheque) R80.00 



Branch: Selected participating Banks only) 

R38.00 

R4.00 + (R6.00 per 




max R24.00) 

Value: R0.01 – R1 000.00 R8.50 

Value: R1 000.01 – R1 500.00 


R12.50 

Monthly R0.90 

Weekly R2.95 

Daily 


R14.80 




R2.75 

E-mail R0.68 

SMS R1.05 

Fax 

Other Fees 

R4.85 

Card Courier Fee R120.00 


Online Banking Account Verification (FNB Accounts and other 

Banks’ Accounts) 

R3.90 


The Shari’ah Compliant Youth Account 

The above pricing also applies to the Shari’ah Compliant Youth 

Account with these exceptions: 

• You need to keep a minimum account balance of R30.00 

• You will not earn any credit interest on this account 

For any fee or FNB Fluid Account queries please call 

0860 11 22 44. 

29 30

eWallet from FNB 

With eWallet, you can send money to someone instantly 

via a valid South African cellphone number. The recipient 

of the money does not even need a bank account. 

By using eWallet from FNB, you can: 

• Withdraw cash at an FNB ATM 

• Purchase Prepaid Airtime 

• Shop online using FNB Cell Pay Point 

• Send money to someone 

The funds can be used on one transaction all at once, or some of the 

funds can be left in the eWallet to spend later. It’s fast, safe and simple! 

The first eWallet Cash Withdrawal (per send) is free. 



Send Money from an FNB eWallet to another FNB eWallet R2.00 

Monthly Fee Free 

Monthly Dormancy Fee (only charged after 6 consecutive months 

of inactivity) 

R5.00 

Payments to a bank account R2.00 

Purchases 

Purchase at a store Free 

Prepaid from the FNB eWallet R2.00 


FNB ATM Cash Withdrawals (first withdrawal per send free) 

The following fee will be charged to the sender’s account when 

sending money to an FNB eWallet: 

For any queries relating to eWallet please call 

087 575 9405 or 0861 313 210. 

R5.00 per R500 

or part thereof 

(maximum R15.00) 

Cash@Till R2.00 

Statements and Balance Enquiries 

Statements Free 

Balance Enquiries Free 

Non-FNB ATM Balance Enquiries R3.95 


Send money to an FNB eWallet 

Value: R0.01 – R1 000.00 R8.50 

Value: R1 000.01 - R1 500.00 R12.50 

Investment Products 

FNB offers a range of investment accounts that give you 

choice and flexibility in the way that you invest. Whether 

you are saving towards renovating your home, education 

for your child, buying your first car or a holiday by the sea, 

FNB has a range of affordable saving and investment 

products which make your money work for you. 

Short-Term Deposit Accounts 

These investment accounts are suited to customers who require 

immediate access to their money while still having the flexibility to 

add funds at any time. 

Money Market Transactor Account 

The Money Market Transactor offers you transactional capability with 

the added benefit of earning interest on your daily balances. 

Money Market Investor Account 

The Money Market Investor is preferable if you require limited 

transactional capabilities with easy access to your funds. 

Simply Save Account 

This savings account is simple and flexible, making it easy for you to 

start to save. 

Call Account 

This account allows immediate access to your funds with attractive 

short term interest rates. 

Money Market Transactor Account 


Monthly Fees 

Monthly Account Fee (Includes Lost Card Protection Fees)* R35.00 

Monthly Petrol Card Fee (linked to Account) R12.50 



Free 



31 32


(Consultant) 

Branch 


FNB Prepaid Purchases - R1.00** R8.00 - 

FNB Cash 



R0.90 

(Cash@Till) 

R6.00 per R500 

or part thereof 


FNB ATMs. 

** Prepaid Purchases at other Banks’ ATMs charged at R7.00. 






- 

R30.00 + 

1.35% of value 

Transfers - R3.50 R35.00 R35.00 

Payments - R11.00 R35.00 R35.00 




Payments 

Cheque Payments 

Stop Payments 

R37.50 



FNB Branch 


R70.00 




Purchases 

R9.00 

International Card Purchases* R2.90 



R3.95 

FNB Mini ATM (Per R500 or part thereof) R2.90 

Other Banks’ Mini ATM (Per R500 or part thereof) R4.00 



Deposits 


R24.00 

+ 1.50% of value 



Cash Deposits 

R75.00 

FNB ATM 


min R5.50 

FNB Branch 


min R20.00 




Free 





Statements 

R3.95 

Posted Monthly Statement R10.50 per statement 

e-Mailed Monthly Statement Free 






Provisional Statement (Branch and Telephone Banking) R9.90 per page 



Duet 25 Form 

Penalty Fees 

R38.50 




33 34 

R60.00 (R138.00 



R95.00 (R120.00 





R68.00 



Banks’ ATM 

R6.50 





Branch – selected participating Banks only) 

R38.00 

R4.00 + (R6.00 per 




max R24.00) 

Value: R0.01 – R1 000.00 R8.50 

Value: R1 000.01 – R1 500.00 R12.50 


Daily R75.00 R42.00 

Weekly R30.00 R19.00 

Twice Monthly R15.00 R10.50



Monthly R0.90 

Weekly R2.95 

Daily R14.80 



Scheduled Payment Alert R2.75 


E-mail R0.68 

SMS R1.05 

Fax R4.85 

Other 




Money Market Investor 

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

Monthly Fees 

Monthly Account Fee* Free 



Self-Service * Telephone 

(Consultant) 

Branch 

Transfers R3.50 R35.00 R35.00 

Free 

* A monthly exchange control administration fee of R13.00 is charged on Non Resident 

Accounts. 

FNB Cash Withdrawals - - R30.00 + 1.35% of value 

Payments R20.00 R40.00 - 


FNB ATMs. 


Deposits 



ENC Upliftment Fee and Special Clearance R75.00 

Cash Deposits 


FNB ATM 

min R5.50 


FNB Branch 

min R20.00 

Payments 






R9.00 



Free 



Statements 

Free 

Monthly Statement Free 


Provisional Statement (Online and Telephone Banking and FNB 

Branch) 

Free 

E-Mailing of historical statement (older than 3 months) Free 

Simply Save Account 




(Consultant) 

Transaction Fees * FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and 

FNB ATMs. 

Branch 


Withdrawals - - R30.00 + 1.35% of value 

Payments R20.00 R40.00 - 

Other Account Related Fees Fee 

Payments 




Amendment Fee (FNB Branch) R9.00 

Deposits 




Cash Deposits 


FNB ATM 

min R5.50 


FNB Branch 

min R20.00 

Other Fees 


Free 


Provisional Statements Free 

35 Deposit of post-dated cheque (per cheque) 36 

R80.00

Call Account 

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



(Consultant) 

Branch 


Payments R11.00 R40.00 R35.00 

Withdrawals - - 

R30.00 + 



FNB ATMs. 


Payments 





Deposits 


R9.00 



Cash Deposits 

R75.00 

FNB ATM 


min R5.50 

FNB Branch 

Other 


min R20.00 

Balance Enquiries (FNB ATM and Cellphone Banking) Free 

Mini Statements R2.80 



Monthly Exchange Control Admin Fee (Non Resident Account only) R13.00 

Notice Deposits Accounts 

Notice Deposit Accounts require notice on the account (either 7 or 32 

days) before funds can be accessed. Two interest rate increases apply, 

after 32 and 64 days providing higher returns. 

7 Day Interest Plus 

Access funds with 7 days notice with competitive interest rates. 

32 Day Interest Plus 

32 days notice is required to access funds. The longer notice period 

encourages disciplined saving and spending decisions. 

Fee Description 

37 38 

7 Day Interest 

Plus Account 

32 Day Interest 

Plus Account 

Subscriptions to inContact, Online, 

Cellphone and Telephone Banking 

and the FNB Banking App 

Free 

Free 

Free 

Deposits 

(terms and conditions 

apply) 

Free 

Withdrawals (terms and 

conditions apply) 

Balance Enquiries (FNB ATM, 

Free Free 

Branch, Online, Cellphone and 

Telephone Banking) 

Free Free 

Provisional Statements Free Free 

Interest Payments Free Free 

Charge for Early Redemption 

As per terms and 

conditions 

Flexi Fixed Deposit Accounts 


conditions 

This account is fixed for 3 or 12 months. Cash can be invested at a 

great interest rate while allowing you access to a portion of your funds. 

Money can also be added into the account at any time. 

Fee Description Flexi Fixed Deposit 

Subscriptions to inContact, Online, 

Cellphone and Telephone Banking and the 


Free 

Deposits Free 

Withdrawals (terms and conditions apply) 2 free withdrawals (maximum 15% each) 

Balance Enquiries (FNB ATM, Branch, Online, 

Cellphone and Telephone Banking) 

Free 


Interest Payments Free 

Charge for Early Redemption As per terms and conditions

Fixed Deposit Accounts 

Get a fixed investment term and fixed interest rate, with higher returns. 

Fixed Deposit Accounts 

A flexible fixed deposit which allows you to either; select your 

investment term, from 7 days to 60 months, or select your maturity 

date. You may also choose to capitalise your interest monthly, 

allowing you to earn interest on interest, or you may withdraw your 

interest on demand. 

Effective Rate Fixed Deposit 

Invest from 2 to 60 months and receive interest at maturity. 

Restart Fixed Deposit 

A 13 month fixed deposit which allows you to restart your 

investment once during your investment term. 

Fee Description 

Fixed Deposit 

Account 

Effective Rate Restart 

Subscriptions to 

inContact, Online, 

Cellphone and 

Telephone Banking 

and the FNB Banking 

App 


Deposits Free Free Free 

Withdrawals (terms 

and conditions apply) 



(FNB ATM, Branch, 

Online, Cellphone and 



Provisional Statements Free Free Free 

Interest Payments Free Free Free 

Charge for Early 

Redemption 


conditions 


conditions 

For any fee or Investment Product related queries please call 

087 320 4321. 


conditions 

Share Investing 

Share Investing gives you access to invest directly in JSE 

shares and Krugerrands online and in real time. Investing 

in shares and directly in gold (through Krugerrands) 

is a great way to build your wealth as it allows you to 

diversify your investment and benefit from company 

profits and dividends over time. 

Who is this for? 

Whether you are new to investing in shares, or a seasoned share 

veteran, we offer two products that will suit your level of experience 

in the share market: 

Share Builder 

Choose from a pre-selected range of JSE blue chip shares to help 

you start your Share Investing Portfolio. Now you can also invest 

directly in Krugerrands via this product. 

Share Investor 

If you have some experience in the share market, Share Investor 

allows you to invest in the full range of JSE listed shares and 

Krugerrands in real time. 

All fees include VAT unless otherwise stated. 


Monthly Fees 

39 40 

Share Builder Share Investor 

Monthly Account Fee* R17.00 R45.00 

Subscription to Online, Cellphone and Telephone 


Krugerrand Safe Keeping Fee 

Free Free 

0.86% of market 

value 

0.86% of 

market value 

* A monthly account of R75.00 is charged on Non Resident and Emigrant Blocked Accounts. 



(Consultant) 

Branch 

Withdrawals - - - R30.00 + 


Transfers - R3.50 R30.00 R30.00 

Payments - R11.00 R30.00 R30.00 


FNB ATMs.

Trade Fees (of Traded Amount) 

Fee Description Share Builder Share Investor 

Trade Option Delayed Trades Now Trades Delayed Trades 

Brokerage Fee 

2% (min R50) 

plus VAT 

0.6% (min R80) 

plus VAT 


2% (min R50) 

plus VAT 

Investor Protection Levy Not Applicable 0.0002% plus VAT Not Applicable 

STRATE Settlement 

Charge 

Securities Transfer Tax 

(only on Share Purchase) 

Not Applicable 

0.005459% 

(Min R10.95, Max 

R54.59) plus VAT 

Not Applicable 

Not Applicable 0.25% Not Applicable 

Deposits 



Cash Deposits 

R15.00 





Non-Standard Services Fee 

Share Transfer (per counter) 

Account Transfer In Free 

Account Transfer Out R125.00 

Internal Transfer Free 

Portfolio Move In Free 

Portfolio Move Out 

Other Fees 

R95.00 

Cancellation (off- exchange instruction) R130.00 

Normal Dematerialisation (per counter) R100.00 

Urgent Dematerialisation (per counter) R550.00 

Normal Rematerialisation (per counter) R750.00 

Urgent Rematerialisation (per counter) R1 200.00 

Exchange (per counter) R100.00 

Indemnities (excl. insurance per counter) R350.00 

Registration / Change of beneficial (excl. TAX) POA 

Monthly Safe Custody Fee (only on share portfolio 


values > R10m in market value) 

exceeding R10m 

Portfolio Evaluation 

Share Removal (per instruction) 

Normal: Value of securities 

R40.00 

R1 – R50 000 R900.00 

R50 000 – R2 000 000 R1 400.00 

R2 000 000 + 

Fast Track: Value of securities 

R2 400.00 

R1 – R50 000 R1 480.00 

R50 000 – R2 000 000 R2 500.00 

R2 000 000 + R4 400.00 

For any fee or Share Investing related queries, please phone 

0860 SHARES (742 737). 

Credit Cards 

41 42 

These days it seems that everything 

costs money… but at FNB we can help you save 

because our FNB Credit Card is no longer just about credit, it has 

grown into the ultimate transactional tool giving you real value 

and benefits that make life rewarding with everyday savings. 

You save R6 770* 

with your FNB Classic 

Credit Card 


with your FNB Gold 

Credit Card 

10 Reasons to make life more rewarding every day… 


Earn up to 15% of your fuel spend back when you purchase fuel on 

your FNB Credit or Linked Petro Card! For qualifying criteria, earn rules 

and rewards tables, please visit www.fnb.co.za. 

Earn eBucks 

Earn 10 eBucks for every R100 spent. Unlimited earn on your budget 

purchases and capped at R5 000 for “Classic” (Silver) cardholders, 

R10 000 for Gold cardholders and R20 000 for Platinum cardholders. 

Every Swipe is Free 

Save on average R3.50 per swipe. 

AA Emergency Roadside Assistance (on Petro Cards) 

Free AA Emergency Roadside Assistance, giving you peace of mind 

motoring. Including call-out & tow-in service. 

Domestic Airport Lounge Access 

(Platinum Cardholders Only) 

Relax in the SLOW Domestic Lounges in the Domestic Terminals of 

O.R. Tambo, King Shaka and Cape Town International airports. 

Comprehensive Global Travel Insurance 

Get FREE Comprehensive Global Travel Insurance for every ticket 

purchased with your FNB Credit Card. 

Free Online Banking 

Online banking can cost up to R21.95 per month elsewhere. 

Unique Mobile Banking App 

Benefit from the convenience of using FNB’s unique mobile App for 

seamless mobile banking, Free. 

Free inContact 

Be assured of total control of activity on your account - and get 

inContact SMS service, free. 

Up to 55 Days Interest Free 


with your FNB 

Platinum Credit Card 


with your linked FNB 

Petro Card 

Visit www.fnb.co.za for more information or call 087 575 1111. 

* Amount calculated on the annual average transactions of FNB Credit Card customers. E & OE. 

Terms, conditions and rules apply.

FNB Credit Card offers the following value added services: 

Included: (part and parcel of your 

product) 

Debt Protection Plan: 

Automatic Debt Protection protects you and your family, at no 

additional cost, from the outstanding debit balance on your FNB 

Credit Card account or the specified maximum amount as stated in 

the table below, whichever is the lesser at the time of your death or 

permanent disability. 

We offer Top-up Debt Protection Plan (TDPP) as a top-up to 

Automatic Debt Protection to extend your specified maximum debt 

cover at an additional cost, as per the table below. 

Debt Protection * 

Value-add Services* 

Automatic Debt 

Protection Plan (ADP) 

Speci- 

Premium fied Max 

Amount 

Optional: 

(customer needs to apply) 

FNB Fuel Rewards Free Online Banking Subscriptions Free 

FNB Airtime Rewards Free Telephone Banking Subscriptions Free 

Automatic Debt Protection* Free Cellphone Banking Subscriptions Free 

Lost Card Protection Free inContact (SMS and e-mail notification) Free 

PIN Replacement Free Decline inContact Free 

AA Emergency Roadside 

Assistance (Petro Cards only) 

Free 

Comprehensive Global Travel 

Insurance* 

Free 

* Terms and conditions apply. 

Top-up Debt 

Protection Plan (TDPP) 

Premium 

(per 

R1000) 

Specified 

Max 

Amount 

Total 

Cover 

(ADP + 

TDPP) 

Platinum Credit Card Free R12 000 R5 R88 000 R100 000 

Gold Credit Card Free R5 000 R5 R75 000 R80 000 

Classic (Silver) Credit Card Free R2 000 R6 R48 000 R50 000 

Classic (Smart) Credit Card Free R1 000 R6 R19 000 R20 000 

Standalone Petro Card Free R1 000 R6 R9 000 R10 000 


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

eBucks is FNB’s innovative rewards programme. You can enjoy being 

rewarded by swiping your FNB Credit Card. 

There is no minimum card spend required for you to start earning 

eBucks, but rewards will only be paid out once the minimum payment 

for that specific account is made. Excluded transactions include fuel 

purchases, cash withdrawals, third party payments, balance transfers, 

electronic fund transfers (EFTs) and gaming transactions. 

SLOW Domestic Lounge* 

Platinum Credit Card customers enjoy access to SLOW Domestic 

Lounges, at the Domestic Terminals of O.R. Tambo, Cape Town and 

King Shaka International airports. Qualifying criteria and terms of 

usage are detailed in the table below. 

Qualifying 

Criteria 

Active Platinum 

Credit Card in 

good standing** 

with monthly 

spend of 

R5 000 or more 

in the billing / 

statement period 

preceding the 

visit 


Credit Card Annual eBucks Fee R200.00 (per annum, per account) 

Earn Rate (Straight and Budget) eB10 (R1.00) for every R100.00 spent 

Loyalty Cap (maximum qualifying card 

spend per month): 

Straight Budget 

Platinum Credit Card R20 000 Unlimited 

Gold Credit Card R10 000 Unlimited 

Classic (Silver) Credit Card R5 000 Unlimited 

Time of 

entry 

Peak time 

allocation 

(Peak time is 

not transferable 

to Off-peak 

time) 

Off-peak time 

allocation 

(Peak time is 

not transferable 

to Off-peak 

time) 

43 44 

Visits 

2 SLOW Lounge 

visits (per billing/ 

statement period) 

for the cardholder 

only and no guest 

visits 

4 SLOW Lounge 

visits (per billing/ 

statement period) 

for the cardholder, 

including guests 

(i.e. 4 visits for the 

cardholder only; 2 visits for 

the cardholder with 1 guest 

per visit or 1 visit for the 

cardholder with 3 guests) 

Fee when 

qualifying 

criteria 

are met 

FNB will cover 

the R250 entry 

fee if your 

account is in 

good standing 

FNB will cover 

the R250 entry 

fee if your 

account is in 

good standing 

Fee when 

qualifying 

criteria are 

NOT met 

R250.00 per 

person 

R250.00 per 

person 


** An account “in good standing” is one that is not overdrawn or in arrears, nor are you in 


Additional guests (subject to availability and at the SLOW Domestic 

Lounge Manager’s discretion) and visits over the allocated free visits: 

Peak time R250.00 per person 

Off-peak time R125.00 per person 

Peak times 

include: 

Monday - Friday 04h45 - 07h00 and again between 15h00 - 17h30 

Sundays 15h00 - 17h30

Credit Card Pricing 

NCA Customers 

(Credit Agreements after 1 June 2007) 

You are an NCA customer if: 

• You entered into a credit agreement with us on or after 1 June 2007. 

• You were an existing FNB Credit Card customer, who after 1 June 

2007 chose to re-contract with us. 

Monthly NCA Card Fees: 

Card fees for our product range have been segmented below for 

ease of reference: 

Card Fees 

Monthly 

Card 

Fee 

Usury Customers 

(Credit agreements taken up prior to 1 June 2007 - governed 

by Usury Act) 

You are a Usury customer if: 

• You were a customer with FNB Credit Card prior to 1 June 2007. 

Annual Usury Card Fees: 

Additional 

Cards (Per 

Linked Card) 

Linked Petro 

Card (Per 

Linked Card) 

Once-off 

Initiation 

Fee 

Platinum R50.00 R11.25 R11.25 R135.00 

Gold R25.83 R11.25 R11.25 R135.00 

Classic (Silver) R21.50 R11.25 R11.25 R135.00 

Classic (Smart) R35.50 R11.25 R11.25 Not Applicable 

Standalone Petro R24.16 R24.16 Not Applicable R135.00 

Card fees for our product range have been segmented below for 

ease of reference: 

Card Fees 

Annual 

Card Fee 

Additional 

Cards (Per 

Linked Card) 

Linked Petro 

Card 

(Per Linked Card) 

Platinum R600.00 R135.00 R135.00 

Gold R310.00 R135.00 R135.00 

Classic (Silver) R258.00 R135.00 R135.00 

Classic (Smart) R35.50 R11.25 R11.25 

Standalone Petro R290.00 R290.00 Not Applicable 

Card fee refers to costs of account and transactional maintenance of your Primary Card Account. 

Please Note: Classic (Smart) Credit Card fees are charged monthly for both NCA and Usury 

customers and are no longer available to new customers. 


45 46 


(Consultant) 

Branch 

Credit Card Purchases 

(Straight / Budget) 

Free** - - - 

Fuel Purchases 

(Petro Cards only) 

R3.95 - - - 

FNB Prepaid Purchases - R1.70 - - 


(local) 

Linked Account Transfers - 


- 

R6.00 per 

R500 or part 

thereof*** 

R3.30 

(IVR Smart 

Transfer: Free) 

- 

R30.00 + 

1.35% of 

value**** 

R28.00 - 

Third Party Payments - R7.20 R28.00 - 


FNB ATMs. 

** International Currency Commission and Conversion fee of 2.75% (Classic, Silver, Gold 

and Platinum) of the transaction value applies for international purchases. 



**** Includes all financial institution branches and the purchase of foreign exchange. 

Other FNB Credit Card related Fees 

(applicable to both NCA and Usury) 



FNB Mini ATM (per R500 or part thereof) R2.90 


International Branch or ATM Cash Withdrawal* R25.70 + 1.60% of value 

Cash on budget (not offered on Smart Credit Cards) R41.50 + % of value: 

Classic (Silver) 2.50% 

Gold 2.25% 

Platinum 

Deposits 

Cheque Deposit* 

2.00% 


Cash Deposits 

R14.70 

(Free for Encore) 

FNB ATM with Automated Deposit Terminal (ADT) 


minimum R5.50 

FNB Branch and FNB ATM with envelope deposits 


minimum R20.00 

Cheque Clearance Fee 

Voucher Retrieval Requests 

R220.00 

Local R65.00 

International 


R225.00 

FNB ATM Free 

FNB Branch R3.95 

International ATM/Branch R3.95 


* This fee is subject to exchange rate fluctuations and may be reviewed quarterly. 

Some international ATMs charge an additional surcharge.

Statements 

Current monthly statement (e-mail) Free 

Current monthly statement (post) Free 

Dual statement (e-mail and post) R12.60 


FNB Branch 

Historical Statements: 

R6.00 

Paper statement R6.00 

E-Mail (per statement) 

Penalty Fees 

R5.00 

Late Payment Fee (not applicable to NCA accounts with 

credit agreements after 1 June 2007) 

R220.00 

Over Limit Fee (not applicable to NCA accounts with credit 


Balance Transfer (BT) early settlement fee (not applicable 

R220.00 

to NCA accounts with credit agreements after 1 June 

2007) 

Other Fees 

R255.00 

Changes to Account Limits Free 

Declined Transaction Fee R6.50 

Bank Cheque Administration Fee R60.00 

Special Arrangement Fee R330.00 

Reschedule Fee R84.00 

Budget Facility Setup Fee (if not done at Point-of-Sale) R32.00 


Prepaid Transaction Fee (FNB ATM, Cellphone, Online and 


R1.70 

Card Replacement Fee (per card)(standard 3-day delivery) R95.00 

Unpaid Fees R220.00 

Arrears Fee (NCA accounts with credit agreements after 

1 June 2007) 

R120.00 

Fast-track Card Replacement Fee (per card) (24-hour delivery 

on request) 

R385.00 

Card Delivery to the nearest FNB Branch Free 

Card Courier Personal Delivery (free for Platinum Credit 

Card holders) 

R195.00 

Temporary Credit Service Fee** R53.00 

** A monthly service fee in accordance with the National Credit Act and not exceeding the 

maximum permissible. 



Value: R0.01 – R1 000.00 R8.50 

Value: R1 000.01 – R1 500.00 R12.50 

Should you require further information on any FNB Credit Card 

products or services, please contact FNB Credit Card Customer 

Enquiries on 087 575 1111 or 011 369 2800. 

Retail Forex 

FNB Foreign Exchange and Payment Solutions 

The table below shows the charges for some of the 

common foreign exchange transactions. Please note that 

FNB may change these during the year without notice. 


Foreign exchange bought from FNB 

Description Flat fee Commission 

charge 

47 48 

Minimum Maximum 

Cash Passport 1.875% R55.00 No maximum 

Initial Card Fee R110.00 - - - 

Travellers Cheques None 1.875% R75.00 No maximum 

Foreign Notes None 1.875% R65.00 No maximum 

Foreign exchange sold to FNB 

Description 

Cash Passport 

Flat fee Commission 

charge 

Minimum Maximum 

Commission (if originally bought 

from FNB and proceeds are 

credited to an FNB Transactional 

Account) 

Free Free Free Free 

Commission (if proceeds are 

credited to an account other 

than an FNB Transactional 

Account) 

Travellers Cheques 

Commission (if originally bought 

from FNB and proceeds are 

credited to an FNB Transactional 

Account) 

Commission (if proceeds are 

credited to an account other 

than an FNB Transactional 

Account) 

Foreign Notes 

None 1.875% R55.00 No 

maximum 

Free Free Free Free 

None 1.875% R75.00 No 

maximum 

Commission None 1.875% R65.00 No 

maximum 

Foreign exchange transfers abroad 

Description Flat fee Commission charge Minimum Maximum 

Outward swifts 0.5% R125.00 R660.00 

Swift charge R100.00 

ZAR fee R100.00 

Unpaid/return fee R150.00 

Foreign Cheques 0.65% R150.00 R700.00 

Draft charge R100.00 

Unpaid/return fee R150.00

Foreign exchange transferred from abroad 

Description Flat fee Commission charge Minimum Maximum 

Inward swifts 0.45% R125.00 R660.00 

ZAR fee R100.00 


Foreign Cheques 0.65% R150.00 R700.00 


Money gram 

Send amount (USD) Send Fee (USD) 

From To 

$0.01 $50 $7 

$50.01 $100 $10 

$100.01 $150 $11 

$150.01 $200 $13 

$200.01 $250 $15 

$250.01 $300 $17 

$300.01 $400 $19 

$400.01 $500 $24 

$500.01 $600 $29 

$600.01 $700 $34 

$700.01 $800 $39 

$800.01 $900 $44 

$900.01 $1 000 $49 

$1 000.01 $1 200 $55 

$1 200.01 $1 500 $63 

$1 500.01 $1 800 $80 

$1 800.01 $2 500 $100 

$2 500.01 $5 000 $150 

$5 000.01 $7 500 $250 

$7 500.01 $10 000 $300 

Other Fees 

Global Account transfers 

Transfer to/from your rand account from/to your foreign 

R50.00 

currency account 

Transfer between currency accounts R50.00 

Withdrawal or deposit using another Forex product Charges levied as per 

Forex product used 

Credit Interest rate: LIBID LESS 1.50% 

Debit Interest rate: LIBOR PLUS 1.50% 

Delivery 

Delivery charge R135.00 

Failed delivery charge (if customer is not available when 

R125.00 

appointment was made) 

Security charge (for deliveries of value greater than R100 000) R170.00 per 

R10 000.00 over 

R100 000.00 

Other services 

VISA letters On request 

Exchange Control Applications to SARB R1 140.00 

Attesting Forms NEP. Where appropriate all charges are levied in 

Rand and calculated based on the Rand value of the transaction. 

International Debit Card usage 

International Commission and Conversion fee on purchases and 

cash withdrawals 

49 50 

On request 

2.75% of transaction 

value 

You can enquire about other charges for our wide range of foreign 

exchange products at your nearest FNB Branch or by calling 

08601 FOREX (36739).

Home Loans 

With a Home Loan from FNB you are one step closer to 

buying your dream home. Charges applicable to new and 

existing FNB Home Loans are tabled below. 



Monthly Fees 

Please note that the monthly service fee 

applicable to your home loan will be charged 

irrespective of the balance outstanding and 

will only cease when the bond is cancelled. 

R57.00 for loans granted post 

30 June 2008 

New and Further Lending 

Once-off Initiation Fee R5 700.00 

Existing Home Loan Fees 

Cheque Deposit Fee R15.00 

Cash Deposit Fee 1.35% of value, minimum R20.00 

Cheque and Cash Deposit fees are charged 

for deposits made in excess of double the 

required monthly repayment. 

Building Loan Fees 

First 6 free, thereafter R285.00 

Inspection Fee (Construction period only) 

per inspection 

Other Fees 

Future Use Withdrawal Fee R1 250.00 

Variation Agreement Fee R285.00 

Revaluation Fee R1 250.00 

Early Termination Fees 

Early Settlement Fee 

Fixed Rate Breakage Fee 

An early termination fee is charged when 

a Home Loan is cancelled without giving 

90 days notice. The fee is calculated on 

the outstanding balance at your current 

interest rate. 

A fixed rate breakage fee is charged when 

a fixed rate is cancelled prior to expiry. 

For any fee or FNB Home Loan related queries, please call 

0860 33 44 55. 

Important information 

• FirstRand Bank Ltd reserves the right to change pricing and 

package pricing or introduce new fees from time to time. We will 

give you at least 20 business days notice of these changes on the 

FNB website or on FNB ATMs. 

• Errors and omissions are excluded. 

• You must apply for each facility or product we describe 

individually. The grant of any facility or product is subject to you 

meeting the credit and qualifying criteria of that product or facility. 

• Each facility or product has the normal terms and conditions 

that apply to that facility or product. We agree these terms and 

conditions with the applicant. If there is conflict between such 

terms and conditions and those in the brochure, we will follow the 

normal terms and conditions that apply to such facility or product. 

• The Bank reserves the right to change at any time the features of 

any product or facility. 

• First National Bank, a division of FirstRand Bank Ltd, is an 

Authorised Financial Services and Credit Provider. 

We may change these prices 

FNB may at any time change these prices or introduce new fees. 

We will give at least 20 business days notice of these changes on the 

FNB website at www.fnb.co.za or on FNB ATMs. 

Standard Terminology 

To assist you in comparing FNB’s charges with those of other 

banks, we have, as far as possible, used standardised terminology 

thoughout 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. 

51 52 

FNB Term (as per pricing guide) Standardised Terminology 

Card Purchase Card Transaction 

Payment Third Party Payment / Stop Order 

Cheque Cheque Payment / Cheque Encashment

Index

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