Personal_Pricing2013-2014

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

Pricing Guide 

1 July 2013 to 

30 June 2014 

Adding more value 

to your Cheque Accounts, Credit 

Cards, Youth, Student and 

related accounts and services. 

997098 Mar13 

Index 

Introduction 1 

Personal Cheque Account 3 

Rewards and Benefits 5 

Pricing 16 

One Account 26 


Pricing 38 

Encore Cheque Account 46 

FNB Savings Account 56 

Life Start Student Account 58 

Fluid Account 66 

eWallet from FNB 74 

Credit Card 76 


Pricing 81 

FNB Forex 87 

Global Accounts 92 

FNB Trust Services 94 

Safe Custody 95 

Important information 96 

how can we help you?

Introduction 

This Pricing Guide has been designed 

to assist you in understanding your bank 

charges and to help you make banking 

choices to best suit your lifestyle 

and budget. 

We believe in giving you the choice of how 

you do your banking. 

FNB’s electronic channels such as Online, Cellphone, Telephone 

Banking and the FNB Banking App remain free of subscription fees. 

This means that you can choose to bank using the internet, your 

cellphone, the telephone, your Smartphone, Tablet or Laptop - 

without worrying about additional subscription fees before you 

even start transacting! 

You can SAVE on your banking fees 

by following a few easy guidelines: 

• Pay with your FNB Visa Cheque Card, Credit or Debit Card rather 

than cheques or cash. It’s safer, cheaper and more convenient. 

• Get Cash@Till when you pay with your FNB Visa Cheque Card at 

most Checkers, Shoprite, Pick n Pay and Boxer stores. 

• Withdraw cash using FNB ATMs instead of other banks’ ATMs 

where an additional fee applies. 

• Avoid going into an FNB branch – use Online and Cellphone 

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

transfers or to check your balance. 

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

to deposit directly into your account by means of electronic 

funds transfer (EFT). 

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

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

account limit and avoid penalty fees. 

Where can I 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 selecting the 

most suitable pricing option for your banking needs, or have any 

questions on how to lower your bank charges, you can: 

• Call us on 087 575 9404, 

• Use the Online Fee Calculator on our website www.fnb.co.za or 

• Visit your nearest FNB branch for assistance. 

The fees outlined in this guide are FNB’s most 

common VAT inclusive prices effective from 

1 July 2013 to 30 June 2014. 

Page 1 Page 2

Personal Cheque 

Account 

An FNB Personal Cheque Account is 

designed for day-to-day use, giving you 

easy access to your cash and helping you to 

manage your money. 

There are four Pricing Options from which 

you can choose: 

(These are not available for business related use) 

1. Unlimited Pricing Option 

Who is this option for? 

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

mainly transact through FNB’s electronic channels. 

How does this option work? 

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

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

FNB ATM cash withdrawals per month. Additional FNB ATM cash 

withdrawals are charged at Pay-As-You-Use rates. Excluded are branch, 

cheque and other banks’ ATM transactions as well as special instructions 

and penalty fees which are charged for separately. 

2. Mobile Pricing Option 


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 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 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 a low monthly Fee this option offers you: 

• Free card purchases 

• Free withdrawals with Cash@Till TM 

• Free Cellphone Banking and FNB Banking App transactions 

which include: 

• Prepaid airtime and electricity purchases 

• Beneficiary payments, Pay2Cell and traffic fine payments 

• Internal transfers 

• Mini statements and balance enquiries 

4. Fee Saver Pricing Option 


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

balance of R9 000,00 in your account at all times. 


Should you choose this option and are able to maintain the 

R9 000,00 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 3 free branch, cheque and Telephone Banking 

(consultant assisted) transactions (excluding all cash and cheque 

deposits) per month. 

Key 

If you exceed these transaction limits or fail 

to maintain the minimum balance at all times 

throughout the month, you will be charged for 

all transactions at the applicable Pay-As-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. 

Page 3 Page 4


Account Rewards 

and Benefits 

With your FNB Cheque Account, we have a host of rewards and 

benefits designed especially for you. Please note that the rules 

have changed, effective 1st July 2013 and we now offer 

you even more value! The sections below detail the rewards and 

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

Rewards: 

Gold, Islamic Gold 

& Encore Cheque 

Accounts 

Platinum & Islamic 

Platinum Cheque 

Accounts 

Rewards: 

eBucks 

Discounts 

Uncapped 

ADSL Data 

through 

FNB Connect 



Accounts 



Accounts 

Get up to 40% off flights, gadgets, shopping 

vouchers, movies and more, when purchased 

with your eBucks at the eBucks shop. 

You can spend your eBucks at any eBucks 

in-store partners, Online or through the eBucks 

Contact Centre. 

Visit www.eBucks.com for more. 

Get up to 80% 

discount 

on monthly 

Uncapped ADSL 

Data. 

Get up to 100% 

discount 

on monthly 

Uncapped ADSL 

Data. 

eBucks Rewards 

on Fuel 

Earn eBucks Rewards 

by purchasing fuel 

using your FNB Visa 

Cheque Card. 

eBucks Rewards 

on Airtime 

Earn eBucks Rewards 

by purchasing 

prepaid airtime using 

FNB’s electronic 

channels. 

Get up to 15% back on your qualifying 

fuel purchases. 


prepaid airtime purchases. 

3G Data 

exclusive to 

active FNB Tablet, 

Smartphone or 

Laptop Contract 

holders. 

Purchase 

Protection 

when you 

purchase goods 

with your FNB 

Cheque Card. 

Extended 

Warranty 

when you 

purchase goods 

with your FNB 

Cheque Card. 

Get up to 400MB 

free monthly 3G 

Data. 

New 

New 

Get up to 500MB 

free monthly 3G 

Data. 

Free cover in the event that an 

eligible item purchased on your FNB 

Cheque Card is lost through theft, 

fire and/or accidental damage. 

Free cover whereby we 

will double the original 

manufacturer’s warranty for 

goods purchased on your FNB 

Cheque Card. 

eBucks 

Rewards on 

Shopping 

Earn eBucks 

Rewards by 

shopping 

with your FNB 

Cheque Card. 

Get up to 1.2% 

back on your 

qualifying FNB 

Cheque Card 

purchases. 

Get up to 2.5% 

back on your 

qualifying FNB 

Cheque Card 

purchases. 

Subscription 

Fees 

inContact 

Monthly 

emailed 

statements 

Free access to Online, Cellphone & 

Telephone Banking as well as the FNB 

Banking App for your day-to-day banking. 

FNB’s free SMS and email messaging service, 

keeping you in touch with transactions on 

your account. 

Save fees and the environment by opting to 

have your monthly statement emailed to you 

at no additional cost. 

Page 5 Page 6

Rewards and Benefits Continued 

Rewards: 



Accounts 



Accounts 

eBucks Rewards you can earn on your 

qualifying purchases 

You can now earn eBucks Rewards on your fuel AND airtime AND 

shopping purchases! 

Savings 

Pocket 

Bank Your 

Change 

(BYC) 

Set up a monthly scheduled transfer to your 

linked Savings Pocket at no additional cost! 

The more you save, the better your interest 

rate. 

(Savings Pocket with no interest available 

to Islamic Gold & Islamic Platinum 

Customers. Customers may be eligible for 

monthly profit share.) 

Automatically save your ‘left over cents’ 

when you purchase using your FNB 

Cheque Card. 

Your purchase is rounded to the nearest 

rand and the change is transferred to your 

Savings Pocket. 

Additional ‘Top-up’ amounts of R2,00; 

R5,00; R10,00; R20,00 or R50,00 are 

available. 

Fuel 

Get up to 15% back in eBucks on your 

qualifying fuel purchases made with your 

FNB Cheque Card. 

Airtime 


qualifying prepaid airtime purchases 

made through FNB’s electronic channels 

(Online Banking, Cellphone Banking and 

the FNB Banking App). 

Shopping 

Get up to 2.5% back in eBucks on all other 

qualifying FNB Cheque Card purchases. 

SLOW Airport 

Lounge Access 

Free 

Comprehensive 

Global Travel 

Insurance 

Premier 

Banker 

Platinum Cheque Cardholders enjoy 

exclusive access to SLOW Domestic 

Lounges and SLOW International. 

New 

Exclusive to Platinum Cheque 

Cardholders when you purchase 

your travel ticket using your 

FNB Platinum Cheque Card. 

Exclusive access to a team of Premier 

Bankers for Platinum & Islamic Platinum 

Customers. 

To earn eBucks Rewards on your qualifying fuel, 

airtime and shopping purchases, you simply 

need to: 

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

qualifying criteria’ list below. 

2. Accumulate points in order to determine your reward level – 

this is based on your banking behaviour and product holdings, 

detailed in the ‘How to earn points’ list on page 10. 

3. Earn rewards which are calculated by applying the respective 

reward rate to your qualifying monthly purchases. 

Page 7 Page 8

Meet the qualifying criteria by: 

How to earn points: 

Registering for eBucks. 

Having an active FNB Cheque Account 

in good standing*. 

Having total monthly deposits 

of at least: 

• R2 000,00 - Encore Cheque Account. 

• R5 500,00 - Gold, Islamic Gold & Young 

Professionals Cheque Accounts. 

• R16 500,00 - Platinum & Islamic 

Platinum Cheque Accounts. 

Allowing FNB to communicate to you 

about our products and rewards and 

ensuring that your inContact details are 

updated. 

Transacting via Online Banking, Cellphone 

Banking or Telephone Banking, or the FNB 

Banking App at least once a month, using 

your own banking profile. 

* “Good standing” means that none of your FNB and FirstRand Bank Accounts and 

Credit Agreements should be overdrawn, or be in arrears, or be in default, nor 

should the account holder be undergoing sequestration, or be subject to any legal 

process with FNB or FirstRand Bank as defined in our Ts & Cs. 

New 

New 

Swipe your FNB Cheque Card for purchases. 

(Please note that purchases on Debit and Petrol Cards 

linked to your FNB Cheque Account do not qualify to 

earn rewards). 

At FNB we reward you on your good banking 

behaviour each month - the better your banking 

behaviour, the more points you accumulate. 

Get points when: 

• The value of your monthly Cash@Till TM withdrawals 

exceeds the value of your monthly ATM withdrawals. 

• You have not performed any transactions at 

branches in the month (use FNB’s electronic 

channels instead!). 

• You have used your FNB Cheque Card to purchase 

goods Online. 

Use an Overdraft Facility, Temporary Loan or 

Revolving Loan. 

The more products you hold, the more points you 

accumulate each month. Choose from a range of FNB 

products: 

• An active FNB Tablet, Smartphone or Laptop 

Contract. 

• Insurance Products linked to your FNB Cheque 

Account (Smart Device Insurance; Optional Debt 

Protection Insurance; Roadside Assistance). 

• A Savings Pocket with Bank Your Change and a 

minimum balance of R2 000,00. 

• Emailed statements only. 

• An active FNB Credit Card. 

• An active Fluid Account (or Islamic Youth Account) 

linked to your FNB Cheque Account. 

Have your FNB Cheque Account open for three years 

or more. 

Open a new FNB Cheque Account – this will get you to 

Reward Level 1 so that you can start earning rewards 

immediately! 

Join Bonus Booster: If in the 3rd month of opening 

your new FNB Cheque Account, you have met the join 

bonus booster criteria*, you will receive join bonus 

booster points! 

This means you will reach the highest rewards earn 

level within just 3 months of joining FNB! 

* Terms, conditions and rules apply. 

Page 9 Page 10

Points are allocated for each of the activities mentioned 

in the list on the previous page. Your total points will then 

determine your reward level and thus the rate at which you 

will earn rewards. The rate at which you earn rewards, is 

detailed below. 

• 

• Reward Maximum rate for on: Platinum and Islamic 

Platinum Cheqeu Acc 

Reward Level Fuel Airtime Shopping 


Having an active Cheque Account in good 

standing* . 

Having total monthly deposits of at least: 

• R2 000,00 - Encore Cheque Account. 

• R5 500,00 – Gold, Islamic Gold & Young 

Professionals Cheque Accounts. 

• R16 500,00 - Platinum & Islamic Platinum 

Cheque Accounts. 

5 

4 

15% 15% 

7.5% 7.5% 

2.5% 

Maximum rate for 



Accounts 

1.2% 

Maximum rate for 

Gold, Islamic Gold & 

Encore Cheque 

Accounts 

Allowing FNB to communicate to you about 

our products and rewards and ensuring that your 

inContact details are updated. 

Transacting via Online, Cellphone or Telephone 

Banking, or the FNB Banking App at least once a 

month, using your own banking profile. 

3 

2 

1 

5% 5% 0.8% 

2.5% 2.5% 0.6% 

1% 1% 0.4% 

Rewards will be allocated by the 8 th of each 

month based on the previous calendar month. 





Points are allocated for each of the activities detailed on the 

‘How to earn points’ list on page 10. Your total points will then 

determine your reward level, and thus your monthly data reward. 

Your monthly data reward at each level, is detailed in the table on 

the next page. 

Data Rewards 

To earn Data Rewards you simply need to: 


qualifying criteria’ list on the next page. 

2. Accumulate points in order to determine your reward level, 

as detailed on the ‘How to earn points’ list on page 10. 

3. Be rewarded! Your data will be allocated monthly in arrears. 

Page 11 Page 12

Reward Level 

• 

• Uncapped 

Maximum rate 

ADSL 

for 

Data 

Platinum 3G and Data* Islamic 

through 

Platinum 

FNB 

Cheqeu 

Connect 

Acc 

5 Get free monthly 

Uncapped ADSL Data 

Maximum reward for 



Accounts 

500MB 

Maximum reward 

for Platinum & 

Islamic Platinum 

Cheque Accounts 

SLOW Lounges 

Platinum Cardholders enjoy exclusive access to our SLOW 

Lounges. The SLOW Domestic Lounges can be found at the 

Domestic Terminals of O.R. Tambo International, Cape Town 

International and King Shaka International Airports. SLOW 

International can be found at the International Terminal of O.R. 

Tambo International Airport. 

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


4 

3 

Get a 80% discount 

on monthly Uncapped 

ADSL Data 

Maximum reward for 

Gold, Islamic Gold & 

Encore Cheque Accounts 



ADSL Data 

400MB 

Maximum reward 

for Gold, Islamic 

Gold & Encore 

Cheque Accounts 

300MB 

Having a valid, personalised Platinum Cheque 

Card (failing which, access to the SLOW Lounge 

will NOT be granted). 

Having an active FNB Cheque Account* in good 

standing**. 

Having total monthly deposits of at least 

R16 500,00 into your FNB Cheque Account* 

in the calendar month preceding your visit 

(or R5 500,00 if you hold a Young Professionals 

Cheque Account). 

Having total monthly swipes to the value of at 

least R5 000,00 on your Platinum Cheque Card in 

the calendar month preceding your visit. 

2 



ADSL Data 

200MB 

* SLOW benefits available on Platinum, Young Professionals, Encore, and Islamic 

Platinum Cheque Accounts only. 

** “Good standing” means that none of your FNB and FirstRand Bank Accounts and 




1 



ADSL Data 

100MB 

* 3G data exclusive to active FNB Tablet, Smartphone or 

Laptop Contract holders. 

Page 13 Page 14

SLOW Domestic Lounge Benefit 

Do you meet 

the qualifying 

criteria? 

Peak time 

allocation 

2 free SLOW Lounge 

visits per calendar 

month for the 

cardholder only. 

No guest visits. 

2 SLOW Lounge 


month (charged at 

R250,00 pp) for 

the cardholder only. 


Off-peak time 

allocation 

4 free SLOW 

Lounge visits per 

calendar month for 

the cardholder 

(including guests). 

4 SLOW Lounge 


month (charged 

at R250,00 pp) 

for the cardholder 



Account Pricing 

1. Unlimited and Mobile Pricing Options 

You get unlimited qualifying electronic transactions for 

a fixed fee per month. 

Qualifying transactions include: 

• Debit orders 

• Card purchases 

• Electronic prepaid purchases 

• Electronic payments and transfers 

• Cash@Till TM 

Electronic transactions above refer to transactions made using 

FNB Online Banking, Cellphone Banking, FNB Banking App, 

Telephone Banking (IVR) and FNB ATMs. 

Note: Peak times are on Weekdays (Mon-Fri): 04h45-07h00 and 

15h00-17h30 as well as on Sundays: 15h00 - 17h30. All entries are 

non-transferrable, with any additional entries (in excess of those 

mentioned above and where qualifying criteria has been met) being 

charged at R250,00 pp (peak) & R125,00 pp (off-peak). 

SLOW International Benefit 

Do you meet 


criteria? 

Charges 

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

Monthly Fees 

Fee 

Description 

Account Fee* 

Device Payment** 

Gold & Islamic 

Gold Cheque 

Account 

R100,00 R135,00 

Device dependant 

Platinum & 

Islamic Platinum 

Cheque Account 


R250,00 pp (50% discount) 

R75,00 per child between the ages of 

2-18years 

Subscriptions to 

inContact, Online, 

Cellphone, Telephone 

Banking and the FNB 

Banking App 

Free 

Free 

R500,00 pp 

Petrol Card 

R13,50 R13,50 

Terms, conditions and rules apply. 

For further details on all your Rewards and Benefits, visit 

www.fnb.co.za, fnb.mobi or call 087 575 9404. 

* 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. 

Page 15 Page 16

Transaction Fees 

Fee 

Description 

Card 

Purchases** 

FNB Prepaid 

Purchases*** 

Card 

Unlimited 

- 

Electronic 

Channels* 

- 

Unlimited 

Telephone 

(Consultant) 

- 

R8,50 

Branch/ 

Cheque 

- 

- 

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

Pricing Options 

• You are charged for each transaction at the applicable fee. 

• All Cellphone Banking and FNB Banking App transactions 

are free. 

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

a minimum credit balance of R9 000,00 in your account at ALL 

times on the Fee Saver Pricing Option. 

FNB Cash 

Withdrawals 

(local)**** 

Unlimited 

(Cash@Till TM ) 

Unlimited Option: 

6 Free per month. 

Mobile Option: 


Thereafter R6,30 

per R500,00 or 

part thereof, max 

R25,20 

- 

R40,00 + 

1.49% of 

withdrawal 

value 

Fees that have not changed or have decreased are shown in 

orange. 

Monthly Fees 

Fee 

Description 

Gold & Islamic Gold 

Cheque Account 



Account 

Transfers 

- 

Unlimited 

R34,00 

R40,00 

Account Fee* 

R30,00 

R38,00 

Payments 

- 

Unlimited 

R34,00 

R40,00 

Debit Orders 

* FNB Online Banking, Cellphone Banking, FNB Banking App, Telephone Banking 

(IVR) and FNB ATMs. 

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

applies for international purchases. 

Unlimited 

*** Prepaid purchases at other banks’ ATM charged at R7,50. 

**** Other banks’ ATM cash withdrawals are charged at R6,50 + (R6,30 per R500 or 

part thereof, max R25,20) from first withdrawal. 

Minimum Credit 

Balance for rebate 

on fees (fee saver 

only) 

Subscriptions 

to inContact, 

Online, 

Cellphone, 

Telephone 

Banking and 

the FNB Banking 

App 

R9 000,00 

Free 

R9 000,00 

Free 

Other Transaction Fees Payable on this Pricing Option 

• 

• Cash Maximum Withdrawals rate for Platinum and Islamic Fee Platinum Cheqeu Acc 

Petrol Card Fee 

R13,50 

R13,50 

FNB Mini ATM 

Unlimited 

Other Banks’ Mini ATM R 7,50 

International ATM 

(Additonal 2.75% Commission and 

Conversion fee applies) 

R40,00 

* An additional monthly Exchange Control Administration Fee of R13,00 will be 

levied on Non-Resident Cheque Accounts. 

International Branch 

(Additonal 2.75% Commission and 


R40,00 +1.50% of 

withdrawal value 

Page 17 Page 18


Fee 

Description 

Card 

Electronic 

Channels* 

Cellphone 

Banking 

Branch/ 

Cheque 


• 

• Purchases 

Maximum rate for Platinum and Islamic Platinum 

Fee 

Cheqeu Acc 

Petrol Card Purchases R4,50 

Card 

Purchases** 

Free 

- 

- 

- 

Telephone Banking Prepaid 

(consultant assisted) 

R8,50 # 

FNB Prepaid 

Purchases*** 

- 

R1,00^ 

Free 

- 

Payments and Transfers 

Telephone Banking 


Fee 

R 27,50 # 

FNB Cash 

Withdrawals 

(local)**** 

Fee Saver: If 

balance kept, 6 

free per month 

- thereafter fee 

applies 

Free 


R6,30 

per 

R500,00 

or part 

thereof, 

max R25,20 

- 

R33,00 # + 

1,49% of 

withdrawal 

value 

Cash Withdrawals 

FNB Mini ATM 

(per R500,00 or part thereof) 

Other banks’ Mini ATM 


Fee 

R3,00^ 

R4,50 

Transfers 

- R3,30^ 

Free 

R33,00 # 


(Additional 2.75% Commission 

and Conversion fee applies) 

R25,00 

Payments 

Internal Debit 

Orders 

(Payments 

to FNB) 

External Debit 

Orders 

- 

R7, 0 0^ 

Free 

R3,50^ 

R15,90^ 

R33,00 # 




R25,00 # + 1.50% of 


^ Free on Fee Saver is minimum credit balance is kept throughout 

the month. 

# Limited to a combination of 3 free on Fee Saver if minimum 

balance is kept throughout the month. 

* FNB Online Banking, Telephone Banking (IVR) and FNB ATMs. 






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

# Limited to a combination of 3 free on Fee Saver if minimum balance is kept 

throughout the month. 

Other Transaction Fees Payable Irrespective of Pricing 

Option Selected 

Maximum Payments rate for Platinum and Islamic Platinum Cheqeu Fee Acc 

Bank Cheque R74,00 

Stop Payments 

Fee 

Online Banking, Cellphone Banking and 

FNB Banking App 

R5,00 

Telephone Banking (consultant assisted) R15,00 

FNB Branch R35,00 

Page 19 Page 20



• 

• Scheduled Maximum rate Payment for Platinum Related and Fees Islamic Platinum Fee Cheqeu Acc 

• 

• Statements 

Maximum rate for Platinum and Islamic Platinum Fee Cheqeu Acc 

Posted/Printed Statement 

R11,50* (per statement) 

Establishment and Amendment Fees 

(Online Banking) 

Free 

Current Month Emailed Statement 

First Official Monthly Statement 

Collected at an FNB Branch 

Free 

Free 

Establishment Fee (FNB Branch) 

R12,50 

Cellphone Banking Mini Statement 

Free 

Amendment Fee (FNB Branch) 

R9,50 

FNB ATM Mini Statement 

(print or view) 

R2,80 

Deposits 

Fee 

Emailing of Historical Statements older 

than 3 months - Online Banking 


Cheque Deposits 

FNB ATM 

FNB Branch 

R16,00 


than 3 months - Branch and Telephone 

Banking 


Cash Deposits 

FNB ATM 

FNB Branch 

0.70% of deposit value 

(min R5,50) 


(min R30,00) 

Provisional Statement -Branch and 


Unsuccessful Transactions 

(Insufficient Funds or Limit 

Exceeded) 

R11,00* (per page) 

Fee 

ENC Upliftment Fee and 

Special Clearance 

R80,00 

FNB ATM 

Free 

Deposit of Post-dated Cheque 

(per cheque) 

R80,00 

Other FNB (Point-of-Sale, Scheduled 

Payment, EDO) and other banks’ ATM 

R7,00 

Balance Enquiries 

FNB Online Banking, Cellphone 

Banking, Telephone Banking (IVR), 

FNB Banking App and FNB ATMs 

Fee 

Free 

Returned Item 

(Cheque or Debit Order) 

* Free for Accounts utilising an Overdraft 

R 60,00 for 1 st 3 

thereafter R138,00 per 

subsequent item within 

12 months 

Other Banks’ ATM 

R3,95 

Point-of-Sale 

R1,35 

International Point-of-Sale 

R2,50 

Branch and Telephone Banking 


R3,95 

Page 21 Page 22



• 

• Card Maximum Replacement rate for Platinum Fees and Islamic Platinum Fee Cheqeu Acc 

FNB Petrol Card R105,00 

Visa Cheque Card/Chip & PIN Card R105,00 

Credit Related Fees 

Fee 

Send Money to an FNB eWallet 

Fee 

Value: R20,00 - R1 000,00 R8,50 

Value: R1 000,01 - R2 000,00 R12,50 

Value: R2 000,01 - R3 000,00 

Reversal of Incorrect ‘Send Money 

to an eWallet’ transaction 

R16,50 

R20,00 

Monthly Credit Service Fee 

(Charged only if the Overdraft is 

utilised in excess of R200) 

Rebate on Monthly Credit Service Fee 

( when your Overdraft limit has not 

been exceeded) 


(Revolving Loan) 


(when your Revolving Loan limit has 

not been exceeded) 

Copies of Vouchers 

(Deposit Slips and Cheques) 

Online Banking 

R57,00 

R27,00 

R57,00 

R17,00 

Fee 

Free 

Send Money to Zimbabwe/ 

Mozambique 

Additional Statements 

(fee per month) 

Weekly 

Twice Monthly 

Fee 

Value: R100 - R1 000 R45,00 

Value: R1 001 - R2 000 

Value: R2 001 - R3 000 

R70,00 

R105,00 

Fee 

Online 

Paper 

Daily R44,00 R80,00 

R20,00 R32,00 

R11,00 R16,00 


R20,00 (per side) 

Balance Alerts (fee per month) 

Fee 

Cheque Book Fees 

Fee 

Monthly 

R0,90 

Pocket 40 Form R38,50 

Duet 25 Form R42,50 

Convenience and Value Added 

Service Fees 

Roadside Assistance R5,00 

LOT TO TM /Powerball 

Purchase 

Fee 

R1,50 

Pay & Clear Now R38,00 

Weekly 

Daily 

Electronic Subscription Services 


My Limit Alert 

Scheduled Payment Alert 

Payment Notifications 

R2,95 

R14,80 

Fee 

R2,95 

R2,75 

Fee 

Cardless Cash Withdrawal 

(Cellphone Banking) 

R4,00 + (R6,30 per 

R500 or part thereof, 

max R25,20) 

Email 

SMS 

R0,68 

R1,05 

Fax 

R4,85 

Page 23 Page 24

imum rate for Platinum and Islamic Platinum Cheqeu Acc 

Other Fees 

Card Courier Fee 

(free for Platinum Cheque Card holders) 

Smartphone/Tablet/Laptop Courier 

Fee 

Cheque Book Courier Fee 

Online Banking Password Reset 


Fee 

R120,00 

R150,00 

R150,00 

R52,50 

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: 


Online Banking Account Verification 

Online Banking Payment History 

(older than 3 months) 

Account Overdrawn Fee 

(when your Cheque Account limit has 

been exceeded) 

Wrongfully Disputed Debit Order Fee 

(if disputed after 40 days and valid 

agreement exists) 

R4,10 

R4,10 

R57,00 

R 130,00 



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

For any fee or FNB Personal Cheque Account queries 

please call 087 575 9404. 



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 for. Excluded are branch, cheque and other 

banks’ ATM transactions as well as special instructions and penalty fees 

which are charged for separately. 

Page 25 Page 26

FNB One Account 

Rewards and Benefits 

With your FNB One Account, we have a host of rewards and 

benefits designed especially for you. Please note that the rules 

have changed, effective 1st July 2013 and we now offer you 

even more value! The sections below detail your rewards 

and benefits. 

Rewards: 

eBucks 

Rewards on 

Shopping 

Earn eBucks 

Rewards by 

shopping with your 


One Account 

Get up to 2.5% back on your qualifying 

FNB Cheque Card purchases. 

Rewards: 

One Account 

eBucks 

Rewards on Fuel 

Earn eBucks 

Rewards by 

purchasing fuel 

using your FNB 

Visa Cheque Card. 


fuel purchases. 

eBucks 

Discounts 

Qualify for up to 40% off flights, gadgets, 

shopping vouchers, movies and more 

when purchased with your eBucks at the 

eBucks shop. 

You can spend your eBucks at any eBucks 

in-store partners, Online or through the eBucks 

Contact Centre. Visit www.eBucks.com for more. 

eBucks 

Rewards on 

Airtime 

Uncapped 

ADSL Data 

through FNB 

Connect. 

Get up to 100% discount on monthly 

Uncapped ADSL Data. 

Earn eBucks 

Rewards by 

purchasing prepaid 

airtime using 

FNB’s electronic 

channels. 


prepaid airtime purchases. 

3G Data 

exclusive to 

active FNB Tablet, 

Smartphone or 


holders. 

Get up to 500MB free monthly 3G Data. 

Page 27 Page 28

Benefits: 

Purchase 

Protection 

when you purchase 

goods with your 

FNB Platinum 

Cheque Card. 

Extended 

Warranty 

when you purchase 

goods with your 

FNB Platinum 

Cheque Card 

Subscription 

Fees 

inContact 

Monthly 

emailed 

statements 

SLOW Airport 

Lounge Access 

Free 

Comprehensive 

Global Travel 

Insurance 

Premier Banker 

Property Leader 

Move home not 

your Home Loan 

Online eWill 

One Account 

Free cover in the event that 

an eligible item purchased on 

your FNB Platinum Cheque 

Card is lost through theft, fire 

and/or accidental damage. 

Free cover whereby we 

will double the original 

manufacturer’s warranty 

for goods purchased on 

your FNB Platinum 

Cheque Card. 

Free access to Online Banking, Cellphone 

Banking & Telephone Banking as well 

as the FNB Banking App for your day-today 

banking. 

FNB’s free SMS and email messaging 

service, keeping you in touch with 

transactions on your account. 

Save the environment by opting to have 

your monthly statement emailed to you at 

no additional cost. 

Platinum Cheque Cardholders enjoy 

exclusive access to SLOW Domestic Lounges 

and SLOW International. 

Exclusive to Platinum 

Cheque Cardholders when 

you purchase your travel 

ticket using your Platinum 

Cheque Card. 

Exclusive access to a team of Premier 

Bankers for Platinum Customers. 

Our unique Property Leader service can help 

you buy, sell and finance the home of your 

dreams. 

Save 100% on bond registration costs. 

Free eWill drafting, collection and safe 

custody for your Will provided you are 55 

years or older, or have assets over the value 

of R500 000,00. 

eBucks Rewards you can earn on your 

qualifying purchases 

You can now earn eBucks Rewards on your fuel AND airtime AND 

shopping purchases! 

Fuel 


qualifying fuel purchases made with your 


Airtime 


qualifying prepaid airtime purchases 

made through FNB’s electronic channels 

(Online Banking, Cellphone Banking and 

the FNB Banking App). 

Shopping 

Get up to 2.5% back in eBucks on all other 

qualifying FNB Cheque Card purchases. 

To earn eBucks Rewards on your qualifying fuel, airtime and 

shopping purchases, you simply need to: 


qualifying criteria’ list on the next page. 

2. Accumulate points in order to determine your reward level – 

this is based on your banking behaviour and product holdings, 

detailed in the ‘How to earn points’ list on page 32. 

3. Earn rewards which are calculated by applying the respective 

reward rate to your qualifying monthly purchases. 

Terms and conditions apply. 

Page 29 Page 30


Registering for eBucks. 

Having an active One Account in good standing*. 

Having total monthly deposits** of at 

least R16 500,00. 

Allowing FNB to communicate to you about 

our products and rewards and ensuring that your 


Transacting via Online, Cellphone or Telephone 

Banking, or the FNB Banking App at least once a 

month, using your own banking profile. 

Only financial transactions will be considered. 

Receiving your One Account statements via 

email only. 

Having active FNB Cheque Cards only (no Debit 

Cards) linked to your One Account. 





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

of R7500,00 is required. All qualifying criteria must be met. Only eBucks Rewards 

on shopping can be earned. 

How you can earn points: 

Swipe your FNB Cheque Card for purchases. 

(Please note that purchases on Debit and Petrol 

Cards linked to your One Account do not qualify 

to earn rewards). 

Ensure that your One Account has not been in 

arrears three months preceding the month in 

which the points are allocated. 

At FNB we reward you on your good banking 

behaviour each month - the better your banking 

behaviour, the more points you accumulate. 

Get points when: 

• The value of your monthly Cash@Till TM 

withdrawals exceeds the value of your monthly 

ATM withdrawals 

• You have not performed any transactions at 

branches in the month (use FNB’s electronic 

channels instead!) 

• You have used your FNB Cheque Card to purchase 

goods Online 

The more products you hold, the more points you 

accumulate each month. Choose from a range of 

FNB products: 

• An FNB Investment account with a minimum 

balance of R10 000,00 

• An active FNB Tablet, Smartphone or 


• An active FNB Credit Card 

• An active Fluid Account linked to your 

One Account 

Have your One Account open for three years 

or more. 

New FNB customers will receive a joining bonus in 

the month that your initial bond is registered with 

the Deeds Office. This is a once-off bonus and will 

get you to Reward Level 1 so that you can start 

earning rewards immediately! 

Join Bonus Booster: If in the 3 rd month after 

registration of the intitial bond with the Deeds 

Office, you have met the join bonus booster 

criteria*, you will receive join bonus booster points! 

This is a once-off bonus and will get you to the 

highest earn level potential! 

*Terms, conditions and rules apply. 

Page 31 Page 32

Points are allocated for each of the activities mentioned in the 

‘How to earn points’ list on the previous page. Your total points will 

then determine your reward level, and thus the rate at which you 

will earn rewards. The rate at which you earn rewards at each level, 

is detailed below. 

Reward rate on: 

Reward 

Level 

Fuel Airtime Shopping 

5 15% 15% 2.5% 

4 7.5% 7.5% 1.2% 

3 5% 5% 0.8% 

2 2.5% 2.5% 0.6% 

1 1% 1% 0.4% 

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

previous calendar month. 

eBucks Discounts 

By having a One Account your eBucks discounts are 

automatically boosted. Get up to 40% off flights, 

gadgets, shopping vouchers, movies and more, when 

purchased with your eBucks at the eBucks shop. 

You must first meet the qualifying criteria detailed in 

the ‘Meet the qualifying criteria’ list on the next page. 

The discount you get is determined by your reward 

level. Your reward level is determined by your banking 

behaviour and the FNB products you hold. 



Allowing FNB to communicate to you about our 

products and rewards and ensuring that your 


Having a minimum outstanding balance 

of R100 000,00. 


email only. 

Earning an average of eB300 or more per month. 





Data Rewards 

To earn Data Rewards you simply need to: 


qualifying criteria’ list below. 

2. Accumulate points in order to determine your reward level, as 

detailed on the ‘How to earn points’ list on page 32. 

3. Be rewarded! Your data will be allocated monthly in arrears. 



Having total monthly deposits of at least R16 500,00. 

Allowing FNB to communicate to you about our 

products and rewards and ensuring that your 


Transacting via Online Banking, Cellphone Banking 

or Telephone Banking, or the FNB Banking App at 

least once a month, using your own banking profile. 

Only financial transactions will be considered. 


email only. 

Having active FNB Cheque Cards only (no Debit 

Cards) linked to your One Account. 





Page 33 Page 34

Points are allocated for each of the activities detailed on the 

‘How to earn points’ list on page 32. Your total points will then 

determine your reward level, and thus your monthly data 

reward. Your monthly data reward at each level, is detailed in 

the table below. 

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


Reward 

Level 

Uncapped ADSL Data 

through FNB Connect 

3G Data* 

Having a valid, personalised Platinum 

Cheque Card (failing which, access to the 

SLOW Lounge will NOT be granted). 

5 

Get free monthly Uncapped 

ADSL Data. 

500MB 

Having an active FNB Cheque Account* in 

good standing**. 

Having total monthly deposits of at least 

4 

Get a 80% discount on monthly 


400MB 

R16 500,00 into your FNB Cheque Account in 

the calendar month preceding your visit. 

3 



300MB 

Having total monthly swipes to the value 

of at least R5 000,00 on your Platinum Cheque 

Card in the calendar month preceding your visit. 

2 

1 





200MB 

100MB 

* SLOW benefits available on Platinum Cheque Accounts only. 

** “Good standing” means that none of your FNB and FirstRand Bank Accounts and 




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

Contract holders. 

SLOW Lounges 

Platinum Cardholders enjoy exclusive access to our SLOW 

Lounges. The SLOW Domestic Lounges can be found at the 

Domestic Terminals of O.R. Tambo International, Cape Town 

International and King Shaka International Airports. 

SLOW International can be found at the International Terminal 

of O.R. Tambo International Airport. 

Page 35 Page 36

SLOW Domestic Lounge Benefit 

Do you meet 


criteria? 

Peak time 

allocation 



month for the 

cardholder only. 


Off-peak time 

allocation 

4 free SLOW 


calendar month for 

the cardholder 


One Account Pricing 

1. Unlimited and Mobile Pricing Option 


Monthly Fees 

Fee Description 

Fee 

2 SLOW Lounge 


month (charged at 

R250,00 pp) for the 

cardholder only. No 

guest visits. 

4 SLOW Lounge 


month (charged 

at R250,00 pp) 

for the cardholder 


Account Fee (Includes monthly Visa 

Cheque Card and Lost Card Protection 

fees) 

Service Fee 

R110,00 

R180,00 

Monthly Device Payment* 

Device dependent 

Note: Peak times are on Weekdays (Mon-Fri): 04h45-07h00 

and 15h00-17h30 as well as on Sundays: 15h00 - 17h30. 

All entries are non-transferrable, with any additional entries 

(in excess of those mentioned above and where qualifying 

criteria has been met) being charged at R250,00 pp (peak) 

& R125,00 pp (off-peak). 

Subscriptions to inContact, Online, 

Cellphone, Telephone Banking and FNB 

Banking App 

Free 

SLOW International Benefit 

Petrol Card Fee 

(Linked to Cheque Account) 

R13,50 

Do you meet 


criteria? 

Charges 



2-18years 

* 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. 

R500,00 pp 

Terms, conditions and rules apply. 

For further details on all your Rewards and Benefits, visit 

www.fnb.co.za, fnb.mobi or call 087 730 1111. 

Page 37 Page 38


Fee 

Description 

Card 

Purchases** 

FNB Prepaid 

Purchases*** 

FNB Cash 

Withdrawals 

(local)**** 

Unlimited 

- 

Card 

Unlimited 


Electronic 

Channels* 

- 

Unlimited 

Unlimited Option: 




Thereafter R6,30 

per R500,00 or 

part thereof, 

max R25,20 

Telephone 

(Consultant) 

- 

R8,50 

- 

Branch/ 

Cheque 

- 

- 

R40,00 + 

1.49% of 

withdrawal 

value 

Other Transaction Fees Payable 

• 

• Payments 


Bank Cheque 

Stop Payments 

Online Banking, Cellphone Banking 

and FNB Banking App 



FNB Branch 

R74,00 

Fee 

R5,00 

R15,00 

R35,00 

Transfers 

- Unlimited 

R34,00 

R40,00 

Scheduled Payment Related Fees 

Fee 

Payments 

- 

Unlimited 

R34,00 

R40,00 

Debit Orders 

Unlimited 



Free 









Amendment Fee (FNB Branch) 

Deposits 

R12,50 

R9,50 

Fee 


• 

• Cash Maximum Withdrawals 

rate for Platinum and Islamic Fee Platinum Cheqeu Acc 


FNB ATM 

FNB Branch 

R16,00 

FNB Mini ATM 

FNB Mini ATM 

Unlimited 

Unlimited 

FNB ATM 

0.70% of deposit 

value (min R5,50) 

Other Banks’ Mini ATM R7,50 

Other Banks’ Mini ATM 

R 6.50 + FNB ATM 


(Additional 2.75% 

International Commission ATM and Conversion 

R40,00 

(2.75% Commission and 

fee applies) 

Conversion Fee will apply) 

Cash Deposits 



FNB Branch 



R80,00 


(Additional 2.75% 


Commission and Conversion 

(2.75% Commission and 

Conversion fee applies) Fee will apply) 

R40,00 + 1.50% of 

R40,00 +1.50% 


Deposit of Post-Dated Cheque 

(per cheque) 

R80,00 

Page 39 Page 40




FNB Banking App and FNB ATMs 

Fee 

Free 



Exceeded) 

FNB ATM 

Fee 

Free 


R3,95 

Point-of-Sale 

R1,35 



R7,00 




R2,50 

R3,95 

Returned Item 


R 60,00 for 1 st 3 



12 months 

Statements 

Fee 

Card Replacement Fees 

Fee 

Posted/Printed statement 


FNB Petrol Card R105,00 





Free 

Free 

Free 

Visa Cheque Card/Chip & PIN Card R105,00 

Copies of Vouchers 

(Deposit Slips and Cheques) 

Fee 


R2,80 

Online Banking 

Free 






Emailing of Historical Statements 

older than 3 months - Branch and 




Fee 

Provisional Statement - Branch 

and Telephone Banking 


Pocket 40 Form R38,50 

Duet 25 Form R42,50 

* Free for Accounts utilising an Overdraft. 

Page 41 Page 42

Loan Related Fees 

Fee 

Inititation Fee (once-off) R5 700,00 


Mozambique 

Fee 

Re-instatement Fee R305,00 

Future Use Withdrawal Fee R1 325,00 

Valuation/Revaluation Fee 

R1 325,00 

Value: R100 - R1 000 R45,00 

Value: R1 001 - R2 000 R70,00 

Early Settlement Fee 

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. 

Value: R2 001 - R3 000 R105,00 



Fee 

Online 

Paper 

Daily R44,00 R80,00 

Convenience and Value Added Service Fees 

• 

Convenience and Value 

• Maximum rate for Platinum and Islamic Platinum Fee Cheqeu Acc 

Added Services 

Weekly R20,00 R32,00 

Twice Monthly R11,00 R16,00 

Balance Alerts (fee per month) 

Fee 

Roadside Assistance R5,00 

Monthly 

R0,90 

LOT TO TM /Powerball 

Purchase 

R1,50 

Weekly 

Daily 

R2,95 

R14,80 




Fee 



R4,00 + (R6,30 per 


max R25,20) 


R2,95 


R2,75 


Fee 


Fee 

Value: R20,00 - R1 000,00 R8,50 

Email 

R0,68 

Value: R1 000,01 - R2 000,00 R12,50 

Value: R2 000,01 - R3 000,00 R16,50 

SMS R1,05 

Fax R4,85 



R20,00 

Page 43 Page 44

Other Fees 

Fee 

Encore Cheque Account 

Card Courier Fee (free for Platinum 

Cheque Cardholders) 

Smartphone/Tablet/Laptop 

Courier Fee 





Online Banking Payment History 





R120,00 

R150,00 

R150,00 

R52,50 

R4,10 

R4,10 

R 130,00 

For Rewards and Benefits you can enjoy on 

your 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. 

For any fee or FNB One Account queries please call 

087 730 1111or email fnboneaccount@fnb.co.za. 

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 000,00 in your Encore 

Cheque Account at ALL times. This option includes unlimited 

qualifying electronic transactions, 6 free FNB ATM cash 

withdrawals and a combination of 3 free branch, cheque and 

Telephone Banking (consultant assisted) transactions (excluding 

all cash and cheque deposits) per month. 

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

if you pledge at least R10 000,00 in your Savings Pocket linked 

to your Encore Cheque Account. This option includes unlimited 

qualifying electronic transactions, 6 free FNB ATM cash 

withdrawals and a combination of 3 free branch, cheque and 

Telephone Banking (consultant assisted) transactions (excluding 

all cash and cheque deposits) per month. 

Page 45 Page 46



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

and mainly transact through FNB’s electronic channels. 





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 or Laptop offer and mainly transact through 

FNB’s electronic channels. 








Encore Cheque Account Pricing 

1. Standard Encore Pricing Option 


orange. 

Monthly Fees 

• 

• Fee 

Maximum 

Description 

rate for Platinum and 

Fee 

Islamic Platinum Cheqeu Acc 

Account Fee R100,00 

Minimum Balance for Rebate 

on account fee 

Subscriptions to inContact, 

Online, Cellphone, Telephone 

Banking and the FNB 

Banking App 

Free 

Petrol Card R13,50 


Fee 

Description 

Card 

Purchases** 

FNB Prepaid 

Purchases*** 

FNB Cash 

Withdrawals 

(local)**** 

Transfers 

Payments 

Card 

Unlimited 

- 

Unlimited 


- 

Cheque Balance Option: R5 000,00 

Savings Pocket Option: R10 000,00 

Unlimited 

6 free per 

month. 

Thereafter 

R6,30 per 

R500,00 or 

part thereof, 

max R25,20 

- Unlimited 

- 

Electronic 

Channels* 

Unlimited 

Telephone 

(Consultant) 

Branch/ 

Cheque 

- 

- 

R8,50 # 

- 

R 21,50 + 

1.49% of 

- 

withdrawal 

value # 

R11,50 # 

R21,50 # 

R11,50 # R21,50 # 

Debit Orders 

Unlimited 

* FNB Online Banking, Cellphone Banking, telephone Banking (IVR), 

FNB Banking App and FNB ATMs. 

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

transaction value applies for international purchases. 


**** ATM cash withdrawals at other banks’ ATM charged at R6,50 + 

(R6,30 per R500,00 or part thereof, max R25,20) from the first withdrawal. 

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

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

Page 47 Page 48

Other Transaction Fees Payable on the Pricing Option 


Withdrawals 

Fee 

Fee 

Description 

Card 

Electronic 

Channels* 

Telephone 

(Consultant) 

Branch/ 

Cheque 

FNB Mini ATM 

Unlimited 

Card 

Purchases** 

Unlimited 

- 

- 

- 

Other Banks’ Mini ATMs 



(Additional 2.75% Commission and 





R4,50 

R21,50 

R21,50 # + 1.50% 

of withdrawal value 

FNB Prepaid 

Purchases*** 

FNB Cash 

Withdrawals 

(local)**** 

- 

Unlimited 


Unlimited 

Unlimited 

Option: 

6 Free per 

month. 


4 Free per 

month. 

Thereafter 

R6.30 per 

R500,00 or 

part thereof, 

max R25,20 

R8,50 

- 

- 

R 40,00 

+ 1.49% of 

withdrawal 

value 

Transfers 

- Unlimited 

R34,00 

R40,00 

Payments 

- 

Unlimited 

R34,00 

R40,00 

2. Unlimited and Mobile Pricing Option 

Debit Orders 

Unlimited 

Fees that have not changed or have decreased are 

shown in orange. 

Monthly Fees 

• 

• Maximum Fee Description rate for Platinum and Islamic Platinum Fee Cheqeu Acc 


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

and FNB ATMs. 





(R6,30 per R500,00 or part thereof, max R25,20) from the first withdrawal. 


Withdrawals 

Fee 

Device Payment* 


FNB Mini ATM 

Unlimited 

Subscriptions to inContact, Online, 

Cellphone, Telephone Banking and 

the FNB Banking App 

Free 


Petrol Card 

R13,50 

International ATM (Additional 2.75% 

Commission and Conversion fee applies) 

R40,00 

* 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. 

International Branch (Additional 2.75% 


R40,00 + 1.50% of 


Page 49 Page 50

Fees Applicable Irrespective of Pricing Option Selected 

Maximum 

Payments 

rate for Platinum and Islamic Platinum 

Fee 

Cheqeu Acc 

Bank Cheques 

R74,00 

Stop Payments 

Fee 

Online 

R5,00 

Telephone (consultant assisted) 

R15,00 

Branch 

R35,00 


FNB ATM, Online, Telephone (IVR) 

& Scheduled Payments 

Point-of-Sale 


Fee 

Free 

Unlimited 

Unlimited 

Other Banks’ ATM R3,95 



R3,95 


Fee 

Statements 

Fee 

Establishment and Amendment 

(Online) 

Free 

Posted/Printed 



Free 

Establishment (Branch) 

Amendment (Branch) 

Free 

Free 




Free 

Free 

Card Purchases 

Petrol Card 



Cash Deposits 

FNB ATM 

FNB Branch 

FNB ATM 

FNB Branch 

Fee 

Unlimited 

Fee 

R16,00 


(min R5,50) 


(min R30,00) 




older than 3 months - Online Banking 


older than 3 months - Branch and 


Provisional Statement - Branch and 


* Free for Accounts utilising an Overdraft 

R2,80 

R5,50 * (per statement) 



ENC Upliftment Fee 

and Special Clearance 

R80,00 


(per cheque) 

R80,00 

Page 51 Page 52



Exceeded) 

Fee 

Maximum Convenience rate for and Platinum Value and Islamic Platinum Cheqeu Acc 

Fee 


Roadside Assistance 

R5,00 

FNB ATM 

Free 

LOT TO / PowerBall 

R1,50 

Other (Point-of-Sale, Scheduled 


Returned Item 


R7,00 

R 60,00 for 1 st 3 



12 months 



Send Money to an eWallet 

R4,00 + (R6,30 per 


max R25,20) 

Fee 


Fee 

Electron R75,00 

Petrol Card R105,00 

Cheque / Chip & PIN R105,00 

Value: R20 - R1 000 

Value: R1 001 - R2 000 

Value: R2 001 - R3 000 

R8,50 

R12,50 

R16,50 

Credit Related Fees 

Fee 



R20,00 

Monthly Credit Service Fee (charged 

only if the overdraft is utilised in 

excess of R200) 

R57,00 


Mozambique 

Fee 

Rebate on Monthly Credit Service Fee ( 

when your Overdraft limit has not been 

exceeded) 

R 27,00 

Value: R100 - R1 000 R45,00 

Value: R1 001 - R2 000 

R70,00 


(Revolving Loan) 


(when your Revolving Loan limit has 

not been exceeded) 

Cheque Books and Vouchers 


Vouchers 

R57,00 

R 17,00 

Fee 

40 Form R38,50 

25 Form R42,50 

Online 

Free 

Value: R2 001 - R3 000 



Daily R44,00 R80,00 

Weekly R20,00 R32,00 

Twice Monthly R11,00 R16,00 

Electronic Subscriptions Services 



R105,00 

Fee 

Online 

Fee 

R2,95 

Paper 




Scheduled Payment Alert R2,75 

Page 53 Page 54

Maximum rate for Platinum and Islamic Platinum Cheqeu Acc 


Fee 


Balance Alert (fee per month) 

Monthly 

Weekly 

Daily 


Email 

SMS 

Fee 

R0,90 

R 2,95 

R14,80 

Fee 

R0,68 

R1,05 

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 000,00. 

How do I get a rebate on my banking fees? 

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

balance of at least R2 000,00 in your FNB Savings Account at 

ALL times. 

Fax 

Other Fees 


Device Courier Fee 



(Telephone - consultant assisted) 


(FNB Accounts and Other Banks’ 

Accounts) 

R4,85 

Fee 

R120,00 

R150,00 

R150,00 

R52,50 

R4,10 

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 emailed statements 

• No subscription fees for Online, Cellphone, Telephone Banking 

and the FNB Banking App 

• Free inContact 

FNB Savings Account Pricing 

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

Monthly Fees 


Fee 

Viewing of Payment History 


R4,10 

Account balance of R2 000,00+ 

Free 

Account Overdrawn Fee 

(when your Cheque Account 

limit has been exceeded) 

R57,00 

Account balance of R2 000,00 

R5,80 




R 130,00 

For any fee or FNB Encore Cheque Account queries please 

call 087 575 9404. 

Page 55 Page 56


Fee 

Description 

Card 

Purchases** 

FNB Prepaid 

Purchases*** 

FNB Cash 

Withdrawals 

(local) 


Orders 

(Payments 

to FNB) 


Orders 



Card 



Free - - - 

- R1,00 R8,50 - 

Free 


Electronic 

Channels* 

Transfers - R5,30 

R 27, 50 R33,00 

Payments - 

R10,60 R 27, 50 R33,00 

R5,30 

Telephone 

(Consultant) 

R15,90 


Other Fees 

• 

• Cash Maximum Withdrawals rate for Platinum and Islamic Platinum Fee Cheqeu Acc 

FNB Mini ATM (per R500 or part thereof) 


Deposits 


Cash Deposits 



FNB ATM 

FNB Branch 

FNB ATM 

FNB Branch 

R10,60 per 

R500,00 or 

part thereof, 

max R42,40 

- 

R5,30 

Fee 

Branch/ 

Cheque 

R6,50 + R10,60 per R500 or 

part thereof, max R42,40 

R16,00 


(min R5,50) 


(min R30,00) 

R80,00 

Any other fees not specifically mentioned above are charged at 

the same rates as Personal Cheque Account Pay-As-You-Use fees. 

For any queries please call 087 575 9404. 

R33,00 + 

1.49% of 

withdrawal 

value 

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. 

There are two pricing options available to Life Start customers: 






For a fixed monthly fee on your Life Start Student Account 

you will receive unlimited qualifying electronic transactions, 


• 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 


• Electronic balance enquiries 

You also get: 

• 6 free FNB ATM cash withdrawals per month. Additional FNB 

ATM cash withdrawals are charged at Pay-As-You-Use rates. 

Excluded are branch, cheque and other banks’ ATM transactions 

as well as special instructions and penalty fees which are 

charged for separately. 

Investment fees are detailed in the Investment Pricing Guides. 

Page 57 Page 58

• You pay no subscription fees for FNB’s electronic channels, so 

you can bank wherever you choose without having to worry 

about fees before you even start transacting. eChannels 

include FNB Online Banking, Cellphone Banking, Telephone 

Banking (IVR), FNB Banking App and FNB ATMs. You also get free 

inContact which helps you to manage your finances. 



This option is ideal if you do not transact regularly. 


• You pay for each transaction according to the applicable 

transaction fee. 

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

R500,00 in your account at ALL times. 


Fee 

Description 

Card 

Purchases** 

FNB Prepaid 

Purchases*** 

FNB Cash 

Withdrawals 

(local)**** 

Transfers 

Payments 

Card 

Unlimited 

- 

Unlimited 


- 

- 

Electronic 

Channels* 

- 

Unlimited 

6 Free per 

month. 

Thereafter 

R6,30 per 

R500,00 or 

part thereof, 

max R25,50 

Unlimited 

Unlimited 

Telephone 

(Consultant) 

- 

R8,50 

- 

R34,00 

R34,00 

Branch/ 

Cheque 

- 

- 

R40,00 + 

1.49% of 

withdrawal 

value 

R40,00 

R40,00 

For a low lonthly fee this option offers you: 

• Free card purchases 

• Free withdrawals with Cash@Till TM 

• Free Cellphone Banking and FNB Banking App transactions 


• Prepaid airtime and electricity purchases 

• Beneficiary payments, Pay2Cell and traffic fine payments 

• Internal transfers 

• Mini statements and balance enquiries 



orange. 

Debit Orders 

Unlimited 

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

FNB Banking App and FNB ATMs. 



*** Prepaid Purchases at other Banks’ ATM charged at R7,50. 

**** ATM Cash Withdrawals at other banks’ ATM charged at R6,50 + 

(R6,30 per R500,00 or part thereof, max R25,20) from the first 

withdrawal. 

Other Fees 


Fee 

Monthly Fees 

FNB Mini ATM 

Unlimited 


Fee 


Account Fee 

Subscriptions to inContact, Online 

Banking, Cellphone Banking, Telephone 

Banking and the FNB Banking App 

R23,50 

Free 





R40,00 

R40,00 + 1.50% 


Page 59 Page 60



orange. 

Monthly Fees 

• 

• Fee Maximum Description rate for Platinum and Islamic Platinum FeeCheqeu Acc 

Account Fee 

R5,00 

Minimum Balance for Rebate 

R500,00 


Withdrawals 

FNB Mini ATM 

(per R500 or part thereof) 



Fee 

R3,00 

R4,50 

International ATM (Additional Content 2.75% to be Provided 

R25,00 





Free 



Payments and Transfers 

R25,00 + 1.50% 


Fee 


Fee 

Description 

Card 

Purchases** 

FNB Prepaid 

Purchases*** 

Card 

Free 

- 

Electronic 

Channels* 

- 

R1,00 

Cellphone 

Banking 

- 

Free 

Branch/ 

Cheque 

- 

- 



Prepaid Purchases 



R 27,50 

Fee 

R8,50 

FNB Cash 

Withdrawals 

(local)**** 

Free 


R6,30 per 

R500,00 

or part 

thereof, 

max 

R25,20 

- 

R33,00 + 

1.49% of 

withdrawal 

value 

Fees Applicable Irrespective of Pricing Options Selected 

Deposits 

Fee 

Transfers 

Payments 


Orders 

(Payments 

to FNB) 

- R3,30 

- 

R7, 0 0 

R3,50 

Free 

Free 

R33,00 

R33,00 


Cash Deposits 

FNB ATM 

FNB Branch 

FNB ATM 

FNB Branch 

R16,00 






Orders 

R15,90 



R80,00 

Deposit of Post-Dated Cheque R80,00 

* FNB Online Banking, Telephone Banking (IVR) and FNB ATMs. 





(R6,30 per R500,00 or part thereof, max R25,20) from the first 

withdrawal. 

Payments 

Fee 

Bank Cheque R74,00 

Page 61 Page 62

Stop Payments 

Online Banking, Cellphone Banking 

and FNB Banking App 



Fee 

R5,00 

R15,00 




Exceeded) 

FNB ATM 


Payment, EDO) and other Banks’ ATM 

Fee 

Free 

R7,00 




Fee 

Free 

Returned Item 



R 60,00 for 1 st 3 

thereafter R138,00 

per subsequent item 

within 12 months 

Fee 


R12,50 

Card Replacement 

R75,00 

Amendment Fee (FNB Branch) R9,50 


Fee 




FNB Baking App and FNB ATMs 




Statements 

Free 

R3,95 

R3,95 

Fee 

Convenience and Value Added 

Fee 

Services 


LOT TO TM / Powerball Purchases 


Pay & Clear Now 


R1,50 

R4,00 + (R6,30 per 


max R25,20) 

R38,00 

Fee 


Free 

Value: R20 - R1000 

R8,50 

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

Value: R1 000,01-R2 000 

R12,50 



R5,50 (per statement) 

Value: R2 000,01-R3 000 



R16,50 

R20,00 



Banking 



Mozambique 

Fee 

Value: R100 - R1 000 R45,00 



R11,00 (per page) 

Value: R1 001 - R2 000 

Value: R2 001 - R3 000 

R70,00 

R105,00 

Page 63 Page 64

• 


• Maximum rate for Platinum and Islamic Platinum Fee 


Cheqeu Acc 

Online 

Paper 

Daily 

R44,00 R80,00 

Fluid Account – 

For Youth and Teens 

Weekly 

Twice Monthly 



R20,00 

R11,00 

Fee 

R32,00 

R16,00 

The Fluid Account is a transactional and 

savings account designed to meet the 

needs of customers 18 years and younger. 



R2,95 

R2,75 

There are two pricing options from which 

you can choose: 

Balance Alert 


Fee 

1. Standard Pricing Option 

Monthly 

Weekly 

R0,90 

R2,95 


Daily 


R14,80 

Fee 

This option is best for you if you do not transact regularly and 

you are able to maintain a balance of R500,00 in your account 

at ALL times. 

Email 

R0,68 

SMS 

Fax 

R1,05 

R4,85 


Other Fees 




Fee 

R120,00 

R52,50 

You will not pay the monthly account fee if you have 

at least R500,00 in your account at ALL times. 

Irrespective of your account balance, you will receive 

2 free qualifying debits per month, after which you 

will be charged an applicable fee per transaction. 



Accounts) 

Viewing of Payment History (older 

than 3 months) 

R4,10 

R4,10 

Qualifying debits include: 

• FNB ATM cash withdrawals 

• Payments 

• Transfers 





R 130,00 

Local Card Purchases and Electronic Prepaid 

Purchases are free. 

For any fee or FNB Life Start Student Account related queries 

please call 087 575 9404. 

Page 65 Page 66












Fluid Account Pricing 

1. Standard Pricing Option 

Fees that have not changed or have decreased 

are shown in orange. 

Monthly Fees 

• 

• Maximum Fee Description rate for Platinum and Islamic Platinum Fee Cheqeu Acc 


Minimum Balance for Rebate R500,00 


Banking, Cellphone Banking, 

Telephone Banking and the 

FNB Banking App 

Free 


Fee 

Description 

Card 

Electronic 

Channels* 

Telephone 

(Consultant) 

Branch/ 

Cheque 

Card 

Purchases** 

FNB Prepaid 

Purchases*** 

Free - - - 

- Free R8,50 - 

FNB Cash 

Withdrawals 

(local)**** 

Free 


R6,30 per 

R500,00 or 

part thereof, 

max R25,20 

- 

R33,00 + 

1.49% of 

withdrawal 

value 

Transfers - R3,30 

R 27, 50 R33,00 

Payments - 

R7, 0 0 R 27, 50 R33,00 


Orders 


Orders 

R3,50 

R15,90 

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

App and FNB ATMs. 




**** ATM cash withdrawals at other banks’ ATM charged at R6,50 + (R6,30 per R500 

or part thereof, max R25,20) from the first withdrawal. 

Page 67 Page 68



Withdrawals 







FNB Mini ATM 


Fee 

R4,50 

R25,00 

R25,00 + 1.50% of 


R3,00 

Fee 

Description 

Card 

Purchases** 

FNB Prepaid 

Purchases*** 

FNB Cash 

Withdrawals 

(local)**** 

Card 

Free 


Electronic 

Channels* 

Unlimited - - - 

- Unlimited R8,50 - 

6 Free per 

month. 

Thereafter 

R6,30 per 

R500,00 or 

part thereof, 

max 

R25,20 

Telephone 

(Consultant) 

- 

Branch/ 

Cheque 

R40,00 + 

1.49% of 

withdrawal 

value 

Transfers - Unlimited 

R34,00 R40,00 

Payments 

- 

Unlimited R34,00 

R40,00 

Debit Orders 

Unlimited 

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

App and FNB ATMs. 




**** ATM cash withdrawals at other banks’ ATM charged at R6,50 + (R6,30 per 

R500,00 or part thereof, max R25,20) from the first withdrawal. 



Fees that have not changed or have decreased 

are shown in orange. 

Monthly Fees 

• 

• Fee Maximum Description rate for Platinum and Islamic Platinum FeeCheqeu Acc 


Withdrawals 

FNB Mini ATM 





Fee 

Unlimited 

R7,50 

R40,00 




Free 




R40,00 + 1.50% of 


Page 69 Page 70

Fees Applicable Irrespective of Pricing Option Selected 

Maximum 

Payments 

rate for Platinum and Islamic Platinum 

Fee 

Cheqeu Acc 

Bank Cheque 

Stop Payments 



R74,00 

Fee 

Online R5,00 

R15,00 



Fee 

FNB ATM, Online, Telephone (IVR) 

& Scheduled 

Free 

Point-of-Sale R1,35 

International Point-of-Sale R2,50 

Other Banks’ ATM R3,95 



Statements 

R3,95 

Fee 

Branch R35,00 


Establishment and Amendment 

(Online) 

Fee 

Free 

Establishment (Branch) R12,50 

Amendment (Branch) R9,50 

Deposits 


FNB ATM 

FNB Branch 

Fee 

R16,00 

Posted/Printed Statement 











Banking 




Free 

Free 

Free 

R2,80 



R11,00 (per page) 

Cash Deposits 

FNB ATM 

FNB Branch 


(min R5,50) 


(min R30,00) 



Exceeded) 

FNB ATM 

Fee 

Free 

ENC Upliftment and Special 

Clearance Fee 

R80,00 


Payment, EDO) and other Banks’ ATM 

R7,00 


(per cheque) 


R80,00 

Fee 

Returned Item 


R 60,00 for 1st 3 

thereafter R138,00 

per subsequent item 

within 12 months 

Card Replacement 

R75,00 

Page 71 Page 72




Fee 


R 4,00 + (R6,30 per 


R500 thereafter, 

max R25,20) 


Send money to an FNB eWallet 

Value: R20 - R1 000 R8,50 

Value: R1 000,01-R2 000 R12,50 

Value: R2 000,01-R3 000 





R16,50 

R20,00 

My Limit Alert R2,95 

Scheduled Payment Alert R2,75 

Balance Alert (fee per month) 

Daily R14,80 

Weekly R 2,95 

Monthly R0,90 


Fee 

Fee 

Fee 

Fee 

Email R0,68 

SMS R1,05 

Fax R4,85 

Other Fees 

Fee 

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 

087 575 9404. 

* This minimum account balance does not apply to the minimum balance for rebate. 

eWallet from FNB 

With eWallet, you can send money instantly 

to a valid South African cellphone number. 

The recipient can access money in the 

eWallet and doesn’t even need a bank 

account. 

With FNB eWallet, you can: 

• Withdraw cash at an FNB ATM 

• Deposit cash into eWallet at FNB ADTs 

(ATMs with automated deposits) 

• Purchase prepaid airtime, data and electricity 

• Send money to another cellphone 

• Shop online using FNB Cell Pay Point 

Card Courier Fee R120,00 





Accounts) 

Viewing of Payment History 





R52,50 

R4,10 

R4,10 

R 130,00 

The eWallet user gets 1 free withdrawal with 

each send. 

The eWallet user can withdraw all the funds at once, or leave some 

of the funds to spend later. 

It’s fast, safe and simple! 

Page 73 Page 74


Send Money from an FNB eWallet 

to another FNB eWallet 

Deposit cash into eWallet at FNB ADTs 

(ATMs with automated deposits) 

Monthly Fee 

Monthly Dormancy Fee 

(only charged after 6 consecutive 

months of inactivity) 

Purchases 


Fee 

R8,50 

R5,00 

Free 

R5,00 

Payments to a bank account R2,50 

Purchase in-store 

Fee 

Free 

Prepaid purchase R2,50 

Fee 

Credit Card 

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. 

FNB Credit Card offers the following FREE 

Value-added Services* : 

Included: 

(part and parcel of your product) 

• Comprehensive Global Travel Insurance 

• Automatic Debt Protection 

• Lost Card Protection 

• PIN Replacement 

• AA Emergency Roadside Assistance 

(Petro Cards only) 

FNB ATM Cash Withdrawals 

(first withdrawal per send is free) 

Cash@Till TM 

Statements and Balance Enquiries 

R6,00 per 

R500,00 

(max R18,00) 

Free 

Free 

Optional: 

(customer needs to apply) 

• Online Banking Subscriptions 

• Telephone Banking Subscriptions 

• Cellphone Banking Subscriptions 

• inContact (SMS / email notification) 

• Decline inContact 

The following fee will be charged to the sender’s 

account when sending money to an FNB eWallet: 


Transfer from your FNB account 

to your eWallet 

Fee 

Value: R20,00 – R1 000,00 R8,50 

Value: R1 000,01 - R2 000,00 R12,50 

Value: R2 000,01 - R3 000,00 R16,50 

Free 

(Unlimited Option) 

R3,30 (Pay-As-You- 

Use Option) 

FNB Credit Card offers the following 

Rewards you can earn* : 

• eBucks 

• Rewards on Fuel 

• Rewards on Airtime 

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

* Terms and Conditions apply. 

Visit www.fnb.co.za for more information or call 087 575 9405 

Terms and Conditions apply. 

Page 75 Page 76

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

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

rewarded by swiping your FNB Credit Card. 

Credit Card 

Annual eBucks Fee 

R200,00 

(per annum, per account on the 

anniversary of the Fee) 

Value-added Services* : 

Comprehensive Global Travel Insurance 

Get free Comprehensive Global Travel Insurance for every ticket 

purchased with your FNB Credit Card. This innovative service gives 

travel ticket holders Comprehensive Global Travel Insurance, both 

locally and internationally. There’s no need to buy additional 

top-up cover. 

Earn rate: 

(Straight & Budget) 

Loyalty Cap: 

eB1 for every R10 spent 

Straight 

Budget 

AA Emergency Roadside Assistance 


Free AA Emergency Roadside Assistance, giving you peace of mind 

motoring includes call-out & tow-in services. 

Classic Credit 

Card 

R5 000 ,00 

Unlimited 

This benefit now includes a new Stand By You service. Request this 

service when your car breaks down and an armed security guard 

will stay with you until the AA patrolman arrives. 

Gold Credit 

Card 

Platinum 

Credit Card 

R10 000,00 

R20 000,00 

Unlimited 

Unlimited 

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

but rewards will only be paid out once the minimum payment for that 

specific account is made. Excluded transactions include fuel purchases, 

cash withdrawals, third party payments, balance transfers, electronic 

fund transfers (EFTs) and gaming transactions. 

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. 

Rewards you can earn* 

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

Fuel 

Get up to 15% back in eBucks or 10% back in cash 

on your qualifying fuel purchases made with your FNB 

Credit or Linked Petro Card. 

Classic 

Credit Card 

Automatic Debt 

Protection (ADP) 

Premium 

Free 

Specified 

Maximum 

Amount 

Top-up Debt 

Protection Plan (TDPP) 

Premium 

Specified 

Maximum 

Amount 

R6,00 / 

R2 000,00 R48 000,00 

R1 000,00 

Total 

cover 

R50 000,00 

Airtime 

Get up to 15% back in eBucks or 10% back in cash 

on your qualifying prepaid airtime purchases made 

through FNB’s electronic channels (Online Banking, 

Cellphone Banking and the FNB Banking App). 

Gold Credit 

Card 

Platinum 

Credit Card 

Free 

Free 

R5 000,00 

R12 000,00 

R5,00 / 

R1 000,00 

R5,00 / 

R1 000,00 

R75 000,00 

R88 000,00 

R80 000,00 

R100 000,00 

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

Standalone 

Petro Card 

Free 

R1 000,00 

R6,00 / 

R1 000,00 

R9 000,00 

R10 000,00 

Page 77 Page 78

SLOW 

Platinum Credit Card customers enjoy exclusive access to 

SLOW Domestic Lounges, which can be found at the Domestic 

Terminals of O.R. Tambo International, Cape Town International 

and King Shaka International Airports. Qualifying criteria and terms 

of usage are detailed in the tables below. Terms, Conditions and 

Rules Apply. 

SLOW International 

For a limited period only, Platinum Credit Card customers can enjoy 

exclusive access to the SLOW International Lounge located at the 

International Terminal of O.R. Tambo International Airport. 

Any additional entries in excess of those mentioned above and where 

qualifying criteria has been met is charged at R250,00 per person. 


Having an active Platinum Credit Card in good standing** 

Having total monthly swipes to the value of at least 

R5 000,00 on your Platinum Credit Card in the billing / 

statement period preceding your visit 

* Terms and Conditions apply. 

** An account in good standing means that none of your FNB and FirstRand Bank 

accounts and credit agreements should be overdrawn, or be in arrears, or be in 

default, or be subject to any legal process with FNB or FirstRand Bank as defined 

in our Ts & Cs. 

SLOW Domestic Lounges 

Do you meet 


criteria? 

Charges 



2-18years 

R500,00 pp 

Do you meet 


criteria? 

Peak time 

allocation 

Off-peak time 

allocation 

SLOW in the City 


visits per billing/ 

statement period 

for cardholders only. 


4 free SLOW 


billing/ statement 

period for the 

cardholder 


Platinum Credit Card customers also enjoy exclusive access to 

SLOW in the City located in the heart of Sandton. Please note 

that these facilities are charged for, and they are available to 

Platinum Credit Card customers for a limited time only. 

Please note that Terms, Conditions and Rules apply. For further details 

on all your Rewards and Benefits, visit www.fnb.co.za. 

R250,00 pp R250,00 pp 

Note: Peak times are on Weekdays (Mon-Fri): 04h45-07h00 and 

15h00-17h30 as well as on Sundays: 15h00 - 17h30. All entries are 

non-transferrable, with any additional entries (in excess of those 

mentioned above and where qualifying criteria has been met) being 

charged at R250,00 pp (peak) & R125,00 pp (off-peak). 

Page 79 Page 80

For ease of reference, monthly NCA Card fees for our product range have 

been segmented below. 


Card Fees 

Additional Card Fees 

(per card linked to 

account) 

Linked Petro Card 

(per card linked to account) 

Initiation Fee 

(once-off) 

Classic 

Credit Card 

R24,50 

R11,66 

R12,50 

R135,00 

Gold 

Credit Card 

R28,00 

R11,66 

R12,50 

R135,00 

Platinum 

Credit Card 

R55,00 

R12,50 

R12,50 

R135,00 

Standalone 

Petro Card 

R27,04 

R27,04 

Not applicable 

R135,00 

Definitions: 

• Card Fee: 

Refers to the costs of account and transactional 

maintenance of your Primary Card Account. 

• NCA Customers (Credit agreements after 1 June 2007). 

• You are an NCA customer if: 

• You entered into a credit agreement with us on or after 

1 June 2007. 

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

1 June 2007 chose to re-contract with us. 

• Usury Customers (Credit agreements prior to 

1 June 2007 - Governed by the Usury Act). 

• You are a Usury customer if: 

• You were a customer of FNB Credit Card prior 

to 1 June 2007. 

Page 81 Page 82

Other FNB Credit Card Related Fees 

• 

• Purchases 


Credit Card Purchase (Local)* 

Free 

Credit Card Budget Purchase 

Free 

• 

• Linked Maximum Account rate for Platinum and Islamic Platinum Fee Cheqeu Acc 

Transfers & Account Payments 

IVR Smart Transfer to FNB 

Free 

Linked Account Transfers 

R3,30 

Fuel Transaction Fee 


Cash Withdrawal Fees 

R4,50 

Fee 

Third Party Payments 



R7,00 

R34,00 

FNB ATM (per R500,00) 

R6,30 (max R25,20) 

Transfers and Payments 

at Branch 

R40,00 


FNB Mini ATM 


R6,50 + FNB ATM Fee 

R3,00 


FNB ATM 

Fee 

Free 



Branch 

(includes all financial institution 

branches and the purchase of 

foreign exchange) 

Cash on Budget 

% of value : Platinum 

Gold 

Classic 

R4,50 

R33,00 

+ 1.49% of 


R45,00 

+ % of withdrawal value 

2.00% 

2.25% 

2.50% 


International R3,95 


R3,95 

Voucher Retrieval Requests 

Fee 

Local R70,00 

International R240,00 

International^ 

(ATM and Branch) 

R27,00 + 1.60% of 


Statements 

Fee 

Deposits 

Fee 

Current monthly statement 

(email) 

Free 


(free for Encore) 

R16,00 

Current monthly statement 

(post) 

Free 

FNB ATM with Automated 

Deposit Terminal (ADT): 

• % of value 

• Minimum 

0.70% 

R5,50 

Cheque Clearance Fee R240,00 

FNB Branch and FNB ATM 

with envelope deposits: 

• % of value 

• Minimum 

1.35% 

R30,00 

Dual statement 

(email & post) 


(view or print) 

FNB Branch 

R15,00 

R2,80 

R5,00 

(per request R1,00 per 

page thereafter, max 

R50,00) 

Page 83 Page 84

Statements (continued) 

Fee 

Convenience Fees 

Fee 

Historical Statements 

Paper statement 

R5,00 (per request R1,00 per 

page thereafter, max R50,00) 

Send money to an FNB eWallet 

Value: R20,00 – R1 000,00 R8,50 

Value: R1 000,01 – R2 000,00 R12,50 

Value: R2 000,01 – R3 000,00 R16,50 

Email (per statement) 

Other Fees 

R5,00 

Fee 

Changes to Account Limits 

Free 

Bank Cheque Administration Fee R60,00 

Special Arrangement Fee R330,00 

Reschedule Fee R90,00 

Reversal of incorrect ‘Send money 

to an FNB eWallet’ transaction 



Pay2Cell R3,30 

LOTTO TM / PowerBall Purchase R1,80 

Prepaid Transaction Fee 

(FNB ATM, Cellphone, Online 

& Telephone Banking) 

R20,00 

R4,00 + FNB ATM Fee 

R1,80 

Budget Facility Setup Fee 

(if not done at Point of Sale) 

R33,50 

Unpaid Fees 

Temporary Credit Service Fee** 

(only applicable to NCA accounts 

with credit agreements after 

1 June 2007) 

Section 129 Letter Fee 

Declined Transaction Fee 

Arrears Fee 

(only applicable to NCA accounts 

with credit agreements after 

1 June 2007) 

Card Replacement Fee 

Fast-track Card Replacement Fee 

(per card) 

Card Courier Personal Delivery 

Card Delivery to the nearest 

FNB Branch 

R230,00 

R55,00 

R35,23 

R7,00 

R125,00 

R105,00 

R385,00 

R195,00 

Free 

* International Currency Commission and Conversion Fee of 2.75% 

of the transaction value applies for International purchases. 

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

Some international ATM’s charge an additional surcharge. 

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

the maximum permissible. 

Card fees are not negotiable. 

Important information: 


• The above pricing is inclusive of VAT. 

• The 50% Encore discount applies to the Card Fees of the Primary 

Credit Card and Linked Petro Card. The 50% discount does not apply to 

additional cards. 

• FirstRand Bank Limited reserves the right to amend product features or 

pricing at anytime with reasonable notice. We further reserve the right 

to re-price our products at anytime subject to Regulatory or Legislative 

changes. 

• A detailed copy of the pricing is available at your nearest FNB Branch 

and on the website. 

• NCA interest rates are personalised and appear on the Credit Card 

Statement. 

• Visit our website at www.fnb.co.za for a copy of the Terms and 

Conditions that govern our agreement. 

Should you require further information on any FNB Credit Card 

products or services, please contact FNB Credit Card Customer 

Enquiries on 087 575 1111. 

Page 85 Page 86

FNB Forex 

Whether you are sending a monetary gift to 

loved ones, making travel arrangements for 

that special trip, investing abroad or paying 

tuition to Oxford…. we can help you get it 

done quickly and easily. 

The majority of Forex services are available by using the Forex tab 

via FNB Online Banking, 24/7/365. 


Travel 

Products 

bought 

from FNB 

Cash Passport 

Initial 

Card Fee 

Travellers 

Cheques 

Foreign Notes 

Flat Fee 

- 

R110,00 

- 

- 

Commission Min Max 

1,900% 

- 

1,950% 

1,900% 

R65,00 

- - 

R100,00 

R70,00 

no max 

no max 

no max 

Global Payments: 

Sending, Paying or Receiving Money from abroad 

The fast and easy way to transact around the world… and we’ll 

reward you for it. 

LSL, NAD, SZL 

Notes 

Travel 

Products 

sold to FNB 

- 2,430% R80,00 no max 

Flat Fee 


Rewards 

Sending Money 

When sending or making payments online in a foreign currency you 

receive 15% back in eBucks on the transaction charges. 

Receiving Money 

Settle your inward payments online and you receive 15% back in 

eBucks on the transaction charges. 

Standing Instruction with Forex 

If you receive money from abroad in foreign currency on a regular 

basis, give us permission to convert these payments on your behalf 

and get 25% back in eBucks on the transaction charges* 

More Payment options 

We also offer MoneyGram and PayPal services. 

Cash Passport 

If originally 

bought from FNB 

and proceeds 

are credited 

to an FNB 

Transactional 

Account 

If proceeds are 

credited to an 

account other 

than an FNB 

Transactional 

Account 

Travellers Cheques 

If originally 

bought from FNB 

and proceeds 

are credited 

to an FNB 

Transactional 

Account 

- 1,900% 

free 

free 

R65,00 

no max 

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

If proceeds are 

credited to an 

account other 

than an FNB 

Transactional 

Account 

- 

1,950% 

R100,00 

no max 

Page 87 Page 88

Travel 

Products 

sold to FNB 

Flat Fee 


Other Fees 

Global Account Transfers 

Fee 

Foreign Notes 

- 

1,900% 

R70,00 

no max 

LSL, NAD, SZL 

Notes 

- 

2,430% 

R80,00 

no max 

Transfer to/from your Rand current 

account 

R50,00 

International Payments: 

The fast and easy way to transact across the globe 

Foreign 

Exchange 

Transfers 

abroad 

Outward 

Payments 

Flat Fee 


Transfer between Global Accounts R50,00 

Withdrawal or deposit using another 

Forex product 

Credit Interest rate 

Delivery 

Delivery Charge 

Charges levied as per 

Forex product used 

Enquire at Forex 

R135,00 

Outwards Swift 

Swift Charge 

ZAR Charge 

Unpaid/Return 

Fee 

- 

R100,00 

R100,00 

R150,00 

0,50% 

R130,00 R660,00 

- - - 

- 

- 

- 

- 

- 

- 

Failed Delivery Charge 

(if customer is not available when 

appointment was made) 

Security Charge (for deliveries of 

value greater than R100 000) 

R125 ,00 

R170,00 per 

R10 000,00 over 

R100 000,00 

Foreign 

Cheques 

- 

0,750% 

R165,00 

R770,00 

Other Services 

Draft Charge 

R100,00 

- - - 

Visa Letters 

On request 

Unpaid/Return 

Fee 

R150,00 

- - - 

Exchange Control Applications to 

the SARB 

R1 140,00 

Foreign 

Exchange 

Transfers 

from abroad 

Inward 

Payments 

Flat Fee 


Attesting Forms NEP 

International debit card usage 

International Commission and 

Conversion fee on purchases and 

cash withdrawals 

On request 

2,75% of 

transaction value 

Inwards Swift 

0,480% R130,00 R660,00 

ZAR Charge 

Unpaid/Return 

Fee 

R100,00 

R150,00 

- - - 

- 

- 

- 

Foreign 

Cheques 

- 

0,750% 

R165,00 

R770,00 

Unpaid/Return 

Fee 

R150,00 

- 

- 

- 

Page 89 Page 90

MoneyGram* 

Send Amount (USD) 

Send 

To 

$0 

$50,00 

$50,01 

$100,00 

$100,01 

$150,00 

$150,01 

$200,00 

$200,01 

$250,00 

$250,01 

$300,00 

$300,01 

$400,00 

$400,01 

$500,00 

$500,01 

$600,00 

$600,01 

$700,00 

$700,01 

$800,00 

$800,01 

$900,00 

$900,01 

$1 000,00 

$1 000,01 

$1 200,00 

$1 200,01 

$1 500,00 

$1 500,01 

$1 800,00 

$1 800,01 

$2 500,00 

$2 500,01 

$5 000,00 

$5 000,01 

$7 500,00 

$7 500,01 

$10 000,00 

Send Fee (USD) 

$7,00 

$10,00 

$11,00 

$13,00 

$15,00 

$17,00 

$19,00 

$24,00 

$29,00 

$34,00 

$39,00 

$44,00 

$49,00 

$55,00 

$63,00 

$70,00 

$90,00 

$140,00 

$240,00 

$290,00 

Global Accounts 

Global Accounts are available to existing 

FNB Cheque Account customers who are 

SA residents and forms part of a customer’s 

South African banking profile. 

Global Accounts are offered in the 

following currencies: 

• US Dollars 

• British Pounds 

• Euros 

• Australian Dollars 

• Indian Rupees 

There is no monthly account fee on a Global Account and the 

accounts can be opened online via www.fnb.co.za. 

Global Account Transfers and Payment 

Transfer between your FNB 

Cheque Account and your 

Global Account 

R50,00 

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

For further information on our products and solutions, visit us at 

www.fnb.co.za/forex or call 0860 1 Forex (36739). 

Transfer between your 

Global Accounts 

Outward SWIFT 

R50,00 

Refer to “Foreign exchange 

transfers abroad” 

Inward SWIFT 

Refer to “Foreign exchange 

transferred from abroad” 

Interest is paid on Global Accounts and no minimum balance is 

required. Rates are subject to change. For Credit Interest Rates, 

refer to Rates on www.fnb.co.za. 

Page 91 Page 92

FNB Trust Services 

FNB Trust Services is a leading trust 

services provider in South Africa. At the 

heart of our extensive offering is Will 

and Trust drafting, as well as Estate and 

Trust administration. We have branches 

countrywide to assist you. 

Product 

Administration Fee 

Estate Administration 

3.5% on capital value of estate 

6% on income collected after 

date of death 

Product 

Fee 

Will Drafting (single and joint) 

• FNB Trust Services 

• Third party executor 

• eWill (instant Will Creator 

on website) 

R340,00 

R1 000,00 

Free 

Will Safe Custody 

Product 

Drafting of Inter Vivos 

Trust Deeds 

Single: R60,00 

Joint: R120,00 

New: R3 500,00 

Substitute: R3 500,00 

Registering Trust Deed with 

the Master of the High Court: 

R750,00 

Trust Administration 

SA Assets 

Fees are dependant on type 

of Trust 

For any fee or FNB Trust Services queries please call 

087 736 3555 or email trustservices@fnb.co.za 

Page 93 Page 94

Safe Custody 

Safe Custody services are available 

at select branches for your convenience. 

Sealed envelopes 

Monthly fee 

including access 

Deed Boxes 

Small 

Large 

Purchase 

Price 

R340,00 

R370,00 

R20,00 

Monthly Fee 


R125,00 

R200,00 

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. 

Safe Deposit Locker 

Key Deposit 

Small 

R460,00 

Medium 

R460,00 

Monthly Fee 


R100,00 

R150,00 

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. 

Large 

R460,00 

R200,00 

Extra Large 

R460,00 

R250,00 

FNB Term 

(as per pricing guide) 

Standardised Terminology 

For any fee or FNB Safe Custody queries please call 

087 575 9404. 

Card purchase 

Payment 

Cheque 

Card transaction 

Third party payment/Stop order 

Cheque payment/Cheque encashment 

Page 95 Page 96

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