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<strong>Gold</strong> <strong>Cheque</strong><br />
<strong>Account</strong>, <strong>Islamic</strong><br />
<strong>Gold</strong> <strong>Cheque</strong> <strong>Account</strong><br />
<strong>and</strong> <strong>Gold</strong> <strong>Credit</strong> <strong>Card</strong><br />
Pricing Guide<br />
1 July 2015 - 30 June 2016<br />
First National Bank - a division of FirstR<strong>and</strong> Bank Limited. An Authorised Financial Services <strong>and</strong> <strong>Credit</strong> Provider (NCRCP20).
<strong>Gold</strong> <strong>Cheque</strong><br />
<strong>Account</strong><br />
R 100 p/m<br />
A <strong>Gold</strong> <strong>Cheque</strong> <strong>Account</strong> is more than<br />
just a bank account. It’s something<br />
that offers you functionality <strong>and</strong><br />
flexibility. Something that helps you<br />
manage your money in a way that<br />
works for you.<br />
We’ve done some research on you<br />
<strong>and</strong> we know that banking, saving,<br />
borrowing <strong>and</strong> having the lifestyle<br />
you want are some of the things you<br />
think about. We want you to have<br />
that lifestyle too. We want you to<br />
go for it – to go for <strong>Gold</strong>.<br />
Bank<br />
••<br />
Unlimited FREE swipes<br />
when you use your <strong>Gold</strong><br />
<strong>Cheque</strong> <strong>Account</strong> <strong>Card</strong><br />
to pay<br />
••<br />
Draw cash at selected<br />
Shoprite, Checkers,<br />
Pick n Pay, Spar <strong>and</strong> Boxer<br />
store tills FREE of fees<br />
••<br />
FREE subscription to<br />
inContact. This means<br />
we’ll SMS you every time<br />
more than R 100 goes out<br />
of – or into – your account<br />
••<br />
FREE subscription to<br />
Cellphone Banking, Online<br />
Banking, Telephone<br />
Banking <strong>and</strong> the FNB<br />
Banking App. You pay only<br />
for the data you use<br />
••<br />
FREE emailed<br />
monthly statements<br />
Save<br />
••<br />
A FREE Linked<br />
Savings <strong>Account</strong><br />
that earns you<br />
interest. FNB’s <strong>Islamic</strong><br />
offering also offers a<br />
competitive return<br />
••<br />
The option to Bank<br />
Your Change when<br />
we round your card<br />
purchase value up<br />
<strong>and</strong> transfer the<br />
difference between<br />
your purchase<br />
amount <strong>and</strong> that<br />
amount into your<br />
Linked Savings<br />
<strong>Account</strong>. So, you<br />
save while you spend<br />
<strong>Islamic</strong> <strong>Gold</strong> <strong>Account</strong><br />
Borrow<br />
••<br />
A Temporary Loan is a pre-approved, short-term<br />
credit offering, for which there is no need to fill<br />
in any forms<br />
••<br />
Revolving Loan that lets you re-access your funds<br />
once you’ve repaid 15% of your original loan amount<br />
••<br />
Overdraft access that is FREE of initiation fees.<br />
You only pay for it when you use it<br />
FNB is proud to offer you a Shari’ah-compliant<br />
<strong>Gold</strong> <strong>Cheque</strong> <strong>Account</strong>, with the same value-adds,<br />
reward benefits <strong>and</strong> pricing as a <strong>Gold</strong> <strong>Cheque</strong><br />
<strong>Account</strong>. With <strong>Islamic</strong> Banking, you may be<br />
eligible to earn a monthly profit share on your<br />
Linked Savings <strong>Account</strong>. For more information,<br />
contact the <strong>Islamic</strong> Banking Contact Centre<br />
on 0861 786 788.<br />
Please note that Overdraft, Temporary Loans <strong>and</strong> Revolving Loans<br />
are not offered on the <strong>Islamic</strong> <strong>Gold</strong> <strong>Cheque</strong> <strong>Account</strong>.
FREE emailed<br />
monthly<br />
statements<br />
Draw cash<br />
at selected<br />
Shoprite,<br />
Checkers,<br />
Pick n Pay,<br />
Spar <strong>and</strong><br />
Boxer store tills<br />
FREE of fees<br />
FREE subscription<br />
to inContact.<br />
We’ll SMS you<br />
every time more<br />
than R 100 goes<br />
out of - or into -<br />
your account<br />
Live<br />
••<br />
Delivery of your<br />
<strong>Gold</strong> <strong>Cheque</strong> <strong>Account</strong> <strong>Card</strong><br />
to your home or office<br />
••<br />
Possible qualification for<br />
a new smartphone, tablet<br />
or laptop at discounted<br />
prices – over a 24-month<br />
period with 0% interest<br />
••<br />
The drafting <strong>and</strong> registering<br />
of your Trust Deed<br />
••<br />
FREE subscription to<br />
eBucks Rewards*<br />
••<br />
The ability to earn eBucks<br />
for doing everyday things<br />
like swiping your card,<br />
shopping online, shopping<br />
internationally, shopping at<br />
Checkers & Shoprite, filling<br />
up with fuel, using Uber<br />
domestically, purchasing<br />
prepaid airtime electronically<br />
through FNB, purchasing<br />
FNB Connect prepaid airtime,<br />
having an FNB Connect<br />
contract or when you send<br />
or receive foreign currency<br />
through FNB Forex<br />
••<br />
Earn up to 0.75% back in<br />
eBucks when you swipe your<br />
<strong>Cheque</strong> <strong>Card</strong> when shopping<br />
<strong>and</strong> up to 1.5% back when you<br />
shop online or internationally<br />
••<br />
Earn up to 15% back in eBucks<br />
when you fill up with fuel, use<br />
Uber domestically or shop<br />
at Checkers & Shoprite with<br />
your <strong>Gold</strong> <strong>Cheque</strong> <strong>Card</strong><br />
••<br />
Earn up to 40% back in eBucks<br />
on your qualifying FNB Connect<br />
contract or when purchasing<br />
FNB Connect prepaid airtime<br />
••<br />
The freedom to spend your<br />
eBucks on almost anything:<br />
fuel, electronics, appliances,<br />
travel, books, CDs, DVDs,<br />
flowers, outdoor equipment,<br />
fashion – you name it<br />
••<br />
Get up to 40% discount on<br />
selected items from the eBucks<br />
Shop as well as up to 40% off<br />
local <strong>and</strong> international flights<br />
<strong>and</strong> domestic car hire through<br />
eBucks Travel**. This means<br />
that the more eBucks you earn,<br />
the more you save when you<br />
spend your eBucks – while<br />
getting a discount on your<br />
purchase at the same time.<br />
Sounds like a no-brainer to us!<br />
To best optimise your eBucks earnings, having an <strong>Gold</strong> <strong>Cheque</strong> <strong>Account</strong><br />
in conjunction with a <strong>Gold</strong> <strong>Credit</strong> <strong>Card</strong> is the way to go. This will mean<br />
that you can move up your eBucks Rewards level more quickly <strong>and</strong> earn<br />
more eBucks.<br />
Unlimited FREE<br />
swipes when you<br />
use your <strong>Gold</strong><br />
<strong>Card</strong> to pay<br />
Terms, Conditions <strong>and</strong> Rules apply.<br />
*For more on eBucks Rewards, go to www.eBucks.com.<br />
**Discounts exclude all taxes.<br />
Earn eBucks for<br />
doing everyday<br />
things like paying<br />
with your card<br />
Unlimited Pricing<br />
FNB’s pricing option for <strong>Gold</strong> customers, called Unlimited Pricing,<br />
offers <strong>Gold</strong> <strong>Account</strong> customers the benefit of a fixed-fee account.<br />
This way, you always have a sense of what your costs are – <strong>and</strong> feel<br />
in control of what you’re paying for. Each month, you get:<br />
••<br />
Unlimited FREE qualifying<br />
electronic transactions using<br />
Online Banking, Telephone<br />
Banking <strong>and</strong> the FNB<br />
Banking App for transactions<br />
like debit orders, card<br />
purchases, payments<br />
<strong>and</strong> transfers<br />
••<br />
To draw cash at selected<br />
Shoprite, Checkers,<br />
Pick n Pay, Spar <strong>and</strong> Boxer<br />
store tills FREE of fees<br />
••<br />
Four FREE FNB<br />
ATM withdrawals
Unlimited Pricing Option<br />
Transaction Fees<br />
Monthly <strong>Account</strong> Fee* R 100.00<br />
FNB ATM Withdrawals**<br />
Online <strong>and</strong> Cellphone Banking Subscriptions<br />
inContact<br />
Linked Savings <strong>Account</strong> (Savings Pocket)<br />
Pay with your <strong>Card</strong><br />
Cash@Till withdrawals<br />
FNB Slimline Withdrawals<br />
eChannel <strong>and</strong> Mobile Channel Transfers<br />
eChannel <strong>and</strong> Mobile Channel Payments<br />
Internal <strong>and</strong> External Debit Orders<br />
Current Month Emailed Statement<br />
4 FREE per Month<br />
FREE<br />
FREE<br />
FREE<br />
FREE<br />
FREE<br />
FREE<br />
FREE<br />
FREE<br />
FREE<br />
FREE<br />
* An additional monthly Exchange Control Administration Fee of R 13.00 will be levied on Non-Resident <strong>Cheque</strong><br />
** Includes <strong>Card</strong>less Cash Withdrawals<br />
Other Fees<br />
Petrol <strong>Card</strong> (Monthly Fee) R 15.50<br />
<strong>Card</strong> Purchases<br />
Commission <strong>and</strong> Currency Conversion Fee on International <strong>Card</strong> Purchases<br />
2.75% of transaction value<br />
Petrol <strong>Card</strong> Fuel Purchases R 5.00<br />
Cash Withdrawals<br />
FNB ATM R 3.95 + R 1.30 per R 100<br />
Other Banks' ATM<br />
International ATM<br />
(Additional 2.75% Commission <strong>and</strong> Conversion fee applies)<br />
R 6.50 + FNB ATM Fee<br />
R 50.00<br />
FNB Branch/<strong>Cheque</strong> R 50.00 + R 1.65 per R 100<br />
International Branch<br />
(Additional 2.75% Commission <strong>and</strong> Conversion fee applies)<br />
R 50.00 + R 1.65 per R 100<br />
Deposits<br />
Cash Deposit at FNB ATM R 0.70 per R 100 (minimum R 5.50)<br />
Cash Deposit at FNB Branch R 1.65 per R 100 (minimum R 50.00)<br />
<strong>Cheque</strong> Deposit at FNB Branch <strong>and</strong> ATM R 30.00<br />
ENC Upliftment Fee <strong>and</strong> Special Clearance R 100.00<br />
Linked <strong>Account</strong> Transfers<br />
FNB Branch or Telephone Banking (Consultant Assisted) R 50.00<br />
Payments<br />
FNB Branch or Telephone Banking (Consultant Assisted) R 50.00<br />
Bank <strong>Cheque</strong> R 90.00
Cancel Debit Orders (Stop Payments)<br />
Online or Mobile Channels R 5.00<br />
Telephone Banking (Consultant Assisted) R 17.50<br />
Branch R 50.00<br />
Scheduled Payment Related (Establishment <strong>and</strong> Amendment)<br />
Online<br />
FREE<br />
Branch R 12.00<br />
Prepaid Airtime Purchases<br />
Using eChannels <strong>and</strong> Mobile Channels R 1.10<br />
Other Banks’ ATM or Telephone Banking (Consultant Assisted) R 9.00<br />
Balance Enquiries<br />
Using eChannels <strong>and</strong> Mobile Channels<br />
FREE<br />
Point-of-Sale R 1.50<br />
Other Banks ATM, International Point-of-Sale, Branch or Telephone Banking<br />
(Consultant Assisted)<br />
R 5.00<br />
Statements<br />
Cellphone Banking Mini Statement<br />
FREE<br />
FNB ATM Transaction List R 3.00<br />
Posted Statement<br />
Historical Statements older than 3 months - Online Banking<br />
Emailing of Statements - Branch <strong>and</strong> Telephone Banking<br />
Printing of Statements - Smart Kiosk<br />
Printing of Statements - Branch <strong>and</strong> Telephone Banking<br />
R 13.00 (per statement)<br />
R 6.00 (per statement)<br />
R 13.00 (per statement)<br />
R 3.50 (per page)<br />
R 13.00 per page<br />
(Charges only apply to the first six pages.)<br />
Insufficient Funds<br />
FNB ATM<br />
FREE<br />
Point-of-Sale, Scheduled Payment, EDO <strong>and</strong> Other banks’ ATM R 8.00<br />
Unpaid Item Fee or Payment Honouring Fee* R 25.00 per R 100 (maximum R 100)<br />
<strong>Card</strong> Replacement Fees<br />
Visa <strong>Cheque</strong> <strong>Card</strong>/ Chip & PIN <strong>Card</strong> R 120.00<br />
FNB Petrol <strong>Card</strong> R 120.00<br />
<strong>Credit</strong> Fees<br />
Monthly Overdraft Fee<br />
(only pay when you use R200 or more of your Overdraft)<br />
R 57.00<br />
Monthly Revolving Loan Fee R 57.00<br />
<strong>Cheque</strong> Book Fees<br />
Pocket 40 Form R 50.00<br />
Copies of Vouchers (Deposit Slips <strong>and</strong> <strong>Cheque</strong>s)<br />
Online Banking<br />
FREE<br />
Branch <strong>and</strong> Telephone Banking (Consultant Assisted) R 50.00<br />
*A service fee charged for each payment honoured where there is not enough money in your transactional account.
Convenience <strong>and</strong> Value Added Services<br />
LOTTO/Powerball, Pay TV prepaid, iTunes, Electricity, Traffic Fines, Transport R 1.75<br />
Multichoice Payments R 5.00<br />
Pay & Clear Now R 40.00<br />
<strong>Card</strong>less Cash Withdrawals R 3.95 + R 1.30 per R 100<br />
Send Money<br />
Send Money to an eWallet R 9.50<br />
Reversal of Send Money to eWallet R 25.00<br />
Send Money to Zimbabwe/ Mozambique<br />
Value: R 20.00 - R 1 000.00 R 45.00<br />
Value: R 1 000.01 - R 2 000.00 R 70.00<br />
Value: R 2 000.01 - R 3 000.00 R 105.00<br />
Additional Statements (fee per month)<br />
Daily R 48.00<br />
Online<br />
Weekly R 22.00<br />
Twice Monthly R 12.00<br />
Daily R 100.00<br />
Paper<br />
Weekly R 40.00<br />
Twice Monthly R 20.00<br />
Electronic Subscriptions Services (fee per month)<br />
My Limit Alert R 3.00<br />
Scheduled Payment Alert R 3.00<br />
Balance Alert (fee per month)<br />
Monthly R 1.00<br />
Weekly R 3.00<br />
Daily R 15.00<br />
Payment Notifications<br />
Email R 0.74<br />
SMS R 1.15<br />
Fax R 5.50<br />
Other Fees<br />
<strong>Card</strong> Courier Fee R 95.00<br />
<strong>Cheque</strong> Book Courier R 150.00<br />
Online Banking <strong>Account</strong> Verification (FNB <strong>Account</strong>s <strong>and</strong> Other<br />
Banks <strong>Account</strong>s)<br />
R 4.60<br />
Online Banking Payment History (older than 3 months) R 4.60<br />
Wrongfully Disputed Debit Order Fee (if disputed after 40 days <strong>and</strong> valid<br />
agreement exists)<br />
R 130.00
<strong>Gold</strong> <strong>Credit</strong><br />
<strong>Card</strong><br />
R 40 p/m<br />
Inc. <strong>Credit</strong><br />
Facility<br />
Service Fee<br />
<strong>Credit</strong> cards aren’t just about<br />
credit. They’re about living. An FNB<br />
<strong>Gold</strong> <strong>Credit</strong> <strong>Card</strong> is your way into<br />
the world, a world where reality<br />
<strong>and</strong> rewards meet, where buying<br />
<strong>and</strong> benefits work together for you.<br />
Protection with<br />
Online Secure,<br />
giving you a OTP<br />
to protect your<br />
card’s exclusivity<br />
FREE subscription<br />
to FNB Cellphone<br />
Banking, Online<br />
Banking, Telephone<br />
Banking, <strong>and</strong> the<br />
FNB Banking App<br />
FREE emailed<br />
monthly<br />
statements<br />
Bank<br />
••<br />
Unlimited FREE swipes<br />
when you use your <strong>Gold</strong><br />
<strong>Credit</strong> <strong>Card</strong> to pay<br />
••<br />
FREE subscription to<br />
inContact. This means<br />
we’ll SMS you every time<br />
more than R 100 goes out<br />
of – or into – your account<br />
••<br />
FREE subscription to FNB<br />
Cellphone Banking, Online<br />
Banking, Telephone Banking<br />
<strong>and</strong> the FNB Banking App.<br />
You pay only for the data<br />
you use<br />
••<br />
FREE balance enquiries<br />
using Cellphone Banking,<br />
Online Banking, Telephone<br />
Banking <strong>and</strong> the FNB<br />
Banking App<br />
••<br />
FREE emailed<br />
monthly statements<br />
••<br />
FREE lost card protection<br />
Save<br />
••<br />
Personalised <strong>and</strong><br />
competitive debit<br />
interest rates based<br />
on your personal<br />
risk profile<br />
<strong>and</strong> PIN replacement<br />
••<br />
FREE Auto Payment, offering<br />
you the convenience of<br />
having your account paid<br />
on time each month<br />
••<br />
The ability to make<br />
secure payments with your<br />
Chip & PIN <strong>Credit</strong> <strong>Card</strong><br />
••<br />
Protection from unauthorised<br />
online transactions with<br />
Online Secure, giving you<br />
a One Time PIN (OTP) to<br />
protect your card’s exclusivity<br />
••<br />
FREE Automatic Debt<br />
Protection to settle the<br />
outst<strong>and</strong>ing credit card<br />
debt in the event of death or<br />
permanent disability, with the<br />
option to sign up for FNB’s<br />
Top-up Debt Protection Plan,<br />
for which there’s a charge<br />
Borrow<br />
••<br />
Up to 55 days<br />
interest-FREE credit<br />
••<br />
Personalised <strong>and</strong><br />
competitive debit<br />
interest rates
FREE AA Emergency<br />
Roadside<br />
Assistance with a<br />
linked Petro <strong>Card</strong><br />
FREE Comprehensive<br />
Global Travel<br />
Insurance when<br />
you purchase your<br />
return travel ticket(s)<br />
using your <strong>Gold</strong><br />
<strong>Credit</strong> <strong>Card</strong><br />
Free delivery of<br />
your <strong>Gold</strong> <strong>Credit</strong><br />
<strong>Card</strong> to your<br />
nearest branch<br />
Live<br />
••<br />
FREE AA Emergency<br />
Roadside Assistance<br />
with a linked Petro <strong>Card</strong><br />
••<br />
FREE Comprehensive<br />
Global Travel Insurance,<br />
covering you locally <strong>and</strong><br />
internationally when you<br />
purchase your return<br />
travel ticket(s) using<br />
your <strong>Gold</strong> <strong>Credit</strong> <strong>Card</strong><br />
••<br />
FREE delivery of your<br />
<strong>Gold</strong> <strong>Credit</strong> <strong>Card</strong> to<br />
your nearest branch<br />
••<br />
The opportunity to purchase<br />
FNB’s Lifestyle Protector,<br />
providing lifestyle cover in<br />
the event of your death or<br />
permanent disability<br />
••<br />
FREE subscription to<br />
eBucks Rewards* if you<br />
hold an FNB <strong>Gold</strong> <strong>Cheque</strong><br />
<strong>Account</strong> <strong>and</strong> a <strong>Gold</strong><br />
<strong>Credit</strong> <strong>Card</strong><br />
••<br />
The ability to earn eBucks<br />
for doing everyday things<br />
like swiping your card,<br />
shopping online, shopping<br />
internationally, shopping<br />
at Checkers & Shoprite,<br />
filling up with fuel, using<br />
Uber domestically,<br />
purchasing prepaid airtime<br />
electronically through FNB,<br />
purchasing FNB Connect<br />
prepaid airtime, having an<br />
FNB Connect contract or<br />
when you send or receive<br />
foreign currency through<br />
FNB Forex<br />
••<br />
Earn up to 1.5% back in<br />
eBucks when you swipe<br />
your <strong>Gold</strong> <strong>Credit</strong> <strong>Card</strong> when<br />
shopping <strong>and</strong> up to 3% back<br />
when you shop online or<br />
internationally<br />
••<br />
Earn up to 15% back in<br />
eBucks when you fill up with<br />
fuel, use Uber domestically<br />
or shop at Checkers &<br />
Shoprite with your <strong>Gold</strong><br />
<strong>Credit</strong> <strong>Card</strong><br />
••<br />
Earn up to 40% back in<br />
eBucks on your qualifying<br />
FNB Connect contract<br />
or when purchasing FNB<br />
Connect prepaid airtime<br />
••<br />
The freedom to spend your<br />
eBucks on almost anything:<br />
fuel, electronics, appliances,<br />
travel, books, CDs, DVDs,<br />
flowers, outdoor equipment,<br />
fashion – you name it<br />
••<br />
Get up to 40% discount on<br />
selected items from the<br />
eBucks Shop as well as<br />
up to 40% off local <strong>and</strong><br />
international flights <strong>and</strong><br />
domestic car hire through<br />
eBucks Travel**. This means<br />
that the more eBucks you<br />
earn, the more you save when<br />
you spend your eBucks – while<br />
getting a discount on your<br />
purchase at the same time.<br />
Sounds like a no-brainer to us!<br />
To best optimise your eBucks earnings, having a <strong>Gold</strong> <strong>Cheque</strong> <strong>Account</strong><br />
in conjunction with a <strong>Gold</strong> <strong>Credit</strong> <strong>Card</strong> is the way to go. This will mean<br />
that you can move up your eBucks Rewards level more quickly <strong>and</strong><br />
earn more eBucks.<br />
Terms, Conditions <strong>and</strong> Rules apply<br />
*For more on eBucks Rewards, go to www.eBucks.com.<br />
**Discounts exclude all taxes<br />
<strong>Gold</strong> <strong>Credit</strong> <strong>Card</strong> Fees<br />
Fees per month<br />
<strong>Credit</strong> <strong>Card</strong> Monthly <strong>Account</strong> Fee R 29.00<br />
<strong>Credit</strong> Facility Service Fee R 11.00<br />
Additional <strong>Card</strong> Fees (per card linked to account) R 13.50<br />
Linked Petro <strong>Card</strong> (per card linked to account) R 16.00<br />
Initiation Fee (once-off) R 150.00
St<strong>and</strong>alone Petro <strong>Card</strong><br />
Fees per month<br />
<strong>Credit</strong> <strong>Card</strong> Monthly <strong>Account</strong> Fee R 31.50<br />
<strong>Credit</strong> Facility Service Fee R 11.00<br />
Additional <strong>Card</strong> Fees (per card linked to account) R 13.50<br />
Initiation Fee (once-off) R 150.00<br />
••<br />
<strong>Credit</strong> <strong>Card</strong> Monthly <strong>Account</strong><br />
Fee is the cost charged monthly<br />
for the administration <strong>and</strong><br />
maintenance of your<br />
<strong>Credit</strong> <strong>Card</strong> <strong>Account</strong><br />
••<br />
<strong>Credit</strong> Facility Service Fee is<br />
the cost charged monthly for<br />
the routine administration <strong>and</strong><br />
maintenance of maintaining<br />
your <strong>Credit</strong> Facility<br />
••<br />
<strong>Credit</strong> <strong>Card</strong> Monthly<br />
<strong>Account</strong> Fees <strong>and</strong> <strong>Credit</strong><br />
Facility Service Fees are<br />
not negotiable<br />
Purchases<br />
<strong>Credit</strong> <strong>Card</strong> Purchases<br />
<strong>Credit</strong> <strong>Card</strong> Budget Purchases<br />
Fees<br />
FREE<br />
FREE<br />
Commission <strong>and</strong> Currency Fee on International <strong>Card</strong> Purchases 2.75%<br />
Fuel Transaction Fee (Petro <strong>Card</strong>s only) R 5.00<br />
Cash Withdrawal Fees<br />
Fees<br />
FNB ATM R 3.95 + R 1.30 per R 100<br />
Other Banks' ATM<br />
R 6.50 + FNB ATM Fee<br />
FNB Mini ATM R 3.95 + R 1.30 per R 100<br />
Branch (includes all Financial Institution Branches <strong>and</strong> the Purchase of Foreign Exchange) R 50.00 + R 1.65 per R 100<br />
Cash on Budget<br />
R 50.00 + 2.50% of withdrawal value<br />
International* (ATM <strong>and</strong> Branch) R 30.00 + R 1.65 per R 100<br />
* International Currency Commission <strong>and</strong> Conversion Fee of 2.75% of the transaction value applies for international purchases.<br />
This fee is subject to exchange rate fluctuations <strong>and</strong> may be reviewed quarterly. Some international ATM’s charge an additional surcharge.<br />
Deposits<br />
Fees<br />
<strong>Cheque</strong> Deposits R 27.50<br />
FNB ATM with Automated Deposit Terminal (ADT)<br />
R 0.70 per R 100 (R 5.50 minimum)<br />
<strong>Cheque</strong> Clearance Fee R 265.00<br />
FNB Branch <strong>and</strong> FNB ATM with envelope deposits<br />
Linked <strong>Account</strong> Transfers <strong>and</strong> <strong>Account</strong> Payments<br />
IVR Smart Transfer to FNB<br />
R 1.65 per R 100 (R 50 minimum)<br />
Fees<br />
FREE<br />
Linked <strong>Account</strong> Transfers R 3.50<br />
Third Party Payments R 7.00<br />
Telephone Banking (Consultant Assisted) R 50.00<br />
Transfers <strong>and</strong> Payments at Branch R 50.00<br />
Voucher Retrieval Requests<br />
Local R 85.00<br />
International R 265.00
Other Fees<br />
Declined Transaction Fee R 8.00<br />
Bank <strong>Cheque</strong> Administration Fee R 80.00<br />
<strong>Card</strong> Replacement Fee (per card) (st<strong>and</strong>ard 3-day delivery) R 120.00<br />
Fast-track <strong>Card</strong> Replacement Fee (per card) (24-hour delivery on request) R 400.00<br />
<strong>Card</strong> delivery to nearest FNB Branch<br />
FREE<br />
<strong>Card</strong> courier personal delivery R 200.00<br />
Section 129 Letter Fee R 59.79<br />
<strong>Credit</strong> <strong>Card</strong> Monthly Rewards Fee<br />
R 16.50 per month<br />
Convenience Fees<br />
Send Money to eWallet (R 20.00 - R 3 000.00) R 9.50<br />
Reversal of incorrect "Send Money to eWallet" transaction R 25.00<br />
<strong>Card</strong>less cash withdrawal<br />
R 3.00 + FNB ATM Fee<br />
Pay2Cell R 3.80<br />
LOTTO/Powerball Purchase R 2.20<br />
Prepaid Transaction Fee (FNB ATM, Cellphone, Online & Telephone Banking) R 2.20<br />
Uncapped ADSL Fee R 2.20<br />
Important Information<br />
••<br />
The above pricing is inclusive of VAT<br />
••<br />
Interest rates are personalised <strong>and</strong> appear on the credit card statement<br />
••<br />
Visit our website at www.fnb.co.za for a copy of the Terms <strong>and</strong> Conditions that govern our agreement<br />
••<br />
Should you require further information on any credit card products or services, please contact<br />
<strong>Credit</strong> <strong>Card</strong> Customer Enquiries on 087 575 1111<br />
If your <strong>Credit</strong> Facility goes into arrears, you will be liable for collection fees in accordance with the National <strong>Credit</strong> Act<br />
The Small Print<br />
FNB’s Small Print is straightforward. Here we go:<br />
Information on our products <strong>and</strong> prices<br />
••<br />
FNB, a division of FirstR<strong>and</strong> Bank Ltd.,<br />
reserves the right to change fees or<br />
be held responsible if an error or<br />
omission is found.<br />
introduce new fees from time to time.<br />
If we do this, though, we’ll give you at<br />
••<br />
You must apply for each facility<br />
or product individually.<br />
least 20 business days’ notice of<br />
these changes. You’ll find changes<br />
on www.fnb.co.za or on FNB ATMs.<br />
••<br />
The grant of any facility or product is<br />
subject to you meeting the qualifying<br />
criteria of that product or facility.<br />
••<br />
We strive to keep the information<br />
provided in the pricing guide as<br />
accurate as possible, <strong>and</strong> we will not<br />
••<br />
Each facility or product has a set of<br />
terms <strong>and</strong> conditions for that specific<br />
facility or product. We agree on these<br />
terms <strong>and</strong> conditions with the applicant.<br />
If there is disagreement between the<br />
product or facility-specific terms <strong>and</strong><br />
conditions <strong>and</strong> what’s outlined in this<br />
pricing guide, we’ll follow the product<br />
or facility-specific terms <strong>and</strong> conditions<br />
that apply to such a facility or product.<br />
••<br />
The Bank reserves the right to<br />
change the features of any product<br />
or facility at any time.<br />
••<br />
Fees quoted “as per R 100” or<br />
“per R 500” include parts thereof.<br />
••<br />
When Cellphone Banking is referred to,<br />
st<strong>and</strong>ard network rates apply.<br />
••<br />
All fees quoted are VAT inclusive<br />
<strong>and</strong> are effective from 1 July 2015<br />
to 30 June 2016.<br />
••<br />
The fees included here are not all of<br />
FNB’s fees. For all the fees on this<br />
account, please go to www.fnb.co.za.<br />
First National Bank, a division of FirstR<strong>and</strong> Bank Ltd, is an Authorised Financial Services Provider. Terms, Conditions <strong>and</strong> Rules apply. St<strong>and</strong>ard network rates apply.<br />
St<strong>and</strong>ard terminology<br />
If you want to compare FNB’s fees with those<br />
of other banks, we have, as far as possible, used<br />
st<strong>and</strong>ard terminology throughout this pricing<br />
guide. This is in line with Section 13 of the<br />
Code of Banking Practice (COBP). In the case<br />
where we’ve used FNB-specific terminology,<br />
we’ve added this here showing the wording<br />
that other banks may use. So, FNB’s term – as per<br />
this pricing guide – is “<strong>Card</strong> Purchase”, while the<br />
st<strong>and</strong>ard terminology is “<strong>Card</strong> Transaction”; FNB’s<br />
term is “Payment”, while the st<strong>and</strong>ard terminology<br />
equivalent is “Third Party Payment/Stop Order”.<br />
FNB uses the term “Slimline Devices” whereas<br />
other banks might call them Mini ATMs.<br />
FNB uses the term “eChannels”, which refers<br />
to FNB Online Banking, Cellphone Banking,<br />
Telephone Banking Interactive Voice<br />
Response (IVR) <strong>and</strong> FNB ATMs. FNB’s “Mobile<br />
Channels” refer to Cellphone Banking <strong>and</strong> the<br />
FNB Banking App.
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