FNB Pricing Guide

Introduction

Keeping Banking Simple

Easy Account

Smart Account

and Islamic Smart

Account

Personal Cheque Account

and Islamic Personal Cheque Account

Encore Cheque Account

Youth (Fluid) Account

and Islamic account

Student (Lifestart) Account

Savings Account

Credit Card

eWallet

Forex

Global accounts

MoneyGramTM

The Small Print

Home

understand your bank fees.Personal Pricing Guide 1 July 2014 - 30 June 2015

First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).20

14 -

201

5

Introduction

Congratulations on making the right choice and banking with FNB. This guide has everything you need to understand how your bank fees are charged. It will also help you use your account in the safest and cheapest way.

Prices include VAT and are valid from 1 July 2014 to 30 June 2015. The fees outlined in this guide are

FNB’s most common fees – for a detailed list of fees on your account, please visit www.fnb.co.za or chat to

a consultant in an FNB Branch.

FNB is making banking easier, quicker, safer and cheaper for you to do your day-to-day banking. We want

you to pay less, and get more – so we have made some of the most key functions of your account FREE:

• To check your balance using eChannels and Mobile Channels

• You pay no fees when you use your FNB Debit, Cheque or Credit Card to pay

• Access to Cellphone Banking, Online Banking and the FNB Banking App (there are no subscription fees)

• For FNB to change your debit orders and switch your salary to your new account

• FREE InContact; we’ll SMS you every time more than R100 goes into, or out of, your account

• Cash@TillTM; no charge for withdrawing cash at till points at selected retailers when you use your Card to

pay for your shopping

eChannels consist of the following:

• FNB ATM

• Online Banking

• Telephone Banking (self-help)

Mobile Channels consist of the following:

• Cellphone Banking

• FNB Banking App (for Smartphone & Tablet)

The SmallPrint

KeepingBankingSimple

SmartAccount

and IslamicSmart

Account

PersonalCheque Account

and IslamicPersonalCheque

Account

Encore Cheque

Accounts

Youth (Fluid)Account

and Islamic Youth Account

Student(Lifestart)Account

SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Keeping Banking Simple

1. Go cashless

• Using cash is normally the most expensive way of banking (and also the most unsafe as it is easy

to steal or lose cash)

• Paying for shopping with your FNB Card is cheaper and safer than using cash

• Doing your banking at an FNB ATM, Online Banking or using your cellphone is quicker and cheaper

than going into a branch

• The cheapest way to get money into your account is by electronic transfer

• If you want to put cash into your account – use an FNB ATM, and your cash will be available in your

account straight away. You can deposit your money any time (day or night)

Checking your balance with FNB is FREE – do this to make sure that you always have enough money

in your account for your debit orders. If you do not have enough money for a debit order, you may be

charged additional fees and this may affect your credit record.

2. Don’t pay if you don’t have to

There are lots of different ways of getting things done without going into an FNB Branch.

Here are some easy and cost-effective ways of banking. You are welcome to visit any FNB branch

any time if you have questions, want to know more about your account or need more information.

You can also call 087 575 9404 for help.

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

TM

Did you know you can do most of your banking using your cellphone?

Cellphone Banking is quick, safe, easy and works on any cellphone.

With Cellphone Banking you can:

• Buy Prepaid Airtime and data by dialling *130* 321# (even if you have no airtime)

• Check your account balance

• Get a mini statement

• Stop debit orders

• Pay your clothing accounts

• Pay your electricity account and other bills

• Play the LOTTOTM or Powerball

To register for Cellphone Banking

• Dial *120*321#

• Select “more features”, then “continue”

• Enter the PIN number for your FNB Card

• Choose a Cellphone Banking PIN (keep this secret)

• You are now ready for self-service banking:

- Dial *120*321# to use Cellphone Banking

- Dial *130*321# to buy airtime with no airtime

3. Use Cellphone Banking

Online Banking is like having your own branch wherever you have access to the internet. This

enables you to manage your money 24/7 without having to wait in a queue.

You will have access to a one-stop shop that is easy to use, intuitive and tailored to your

personal needs. It is a simple and secure way of doing your banking when it suits you - and

what’s even better, is that your subscription to Online Banking is FREE. FNB customers can

easily set up their Online Banking profile by following the instructions on www.fnb.co.za.

4. Use Online Banking

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Easy Account

A straightforward Bank Account meant for day-to-day transacting, no extras and no hidden costs – plain,

simple banking. You spend less on bank fees every month, which means you have more money to pay for the

things that are important to you.

An Easy Account is real value for money.

Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise.

Monthly Fees

Transaction Description Fee

Card Purchases (Local Only)

FREEPay with your card

R4.95

FREE

FREE

FREE

Monthly Account Fee

Online and Cellphone Banking Subscriptions

InContact

Linked Savings Account (Savings Pocket)

Cash Withdrawals

FREE

R4.55 per R1 000 (Max R9.10)

R4.55

R4.55

R9.10

Cash@Till™

FNB ATM

FNB Mini ATM/Slimline

Other Banks’ Mini ATM

Other Banks’ ATM

Deposits

R4.55

R 20.00 (per deposit)

R 80.00 (per cheque)

Cash Deposit at FNB ATM

Cheque Deposit at FNB Branch and ATM

Post-dated Cheque

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

TM

Online

Mobile Channels

Telephone Banking (Consultant Assisted)

Branch

Online

Branch

Using eChannels & Mobile Channels

Point-of-Sale

Branch and Telephone Banking (Consultant Assisted)

Other Banks’ ATM

Balance Enquiries

Cancel Debit Order (Stop Payment)

R5.00

R5.00

R15.00

R43.00

FREE

R11.50

FREE

FREE

R3.00

R3.30

Scheduled Payment Related (Establishment and Amendment)

Debit Orders

R1.50

R3.20

Internal

External

R1.10

R3.20


Other Banks’ ATM

FREE

FREE

FREE

R43.00

FREE

R3.20

R43.00

Into Linked Savings Account (Savings Pocket)

Using Mobile Channels

Using eChannels

FNB Branch

Stop Orders (Scheduled Payments)


FNB Branch

Linked Account Transfers

Payments

Prepaid Purchases


The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Send Money to an eWallet

Reversal of Send Money to eWallet

R3.00

R3.00

R0.95

R3.00

R15.00

R0.70

R1.10

R5.00

My Limit Alert

Scheduled Payment Alert

Monthly

Weekly

Daily

Email

SMS

Fax

Send Money

R6.00

R20.00

Electronic Subscriptions Services (Fee per Month)

Balance Alert (Fee per Month)

Payment Notifications

Statements

Unsuccessful Transactions (Insufficient Funds or Limit Exceeded)

Card Replacement Fees

Convenience and Value Added Services

FNB ATM Transaction List

Cellphone Banking Mini Statement

Historical Statements

Branch Statements

FNB ATM

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

Returned Item (Debit Order and Scheduled Payments)

Replacement of Non-personalised Card

Buy LOTTO™/Powerball

Pay & Clear Now

Cardless Cash Withdrawals

R3.20

R3.20

R 3.50 (per statement)

R 3.50 (per page)

FREE

R7.50

R 5.00 (per item)

R38.00

R1.50

R40.00

R8.50


The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account


Other Fees

R55.00

R4.35

R130.00

Online Banking Password Reset (Consultant Assisted)

Online Banking Account Verification (FNB Accounts and Other Banks’ Accounts)

Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists)

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Smart Account and Islamic Smart Account

Two pricing options are available to ensure you always get exactly what you need, without paying too much:

Unlimited Pricing Option: pay a fixed monthly fee for your account and always be in control of what you pay. On this option you get unlimited qualifying electronic transactions using eChannels and Mobile Channels. Qualifying transactions include:• Debit orders• Card purchases • Payments and Transfers using eChannels and Mobile Channels• Cash withdrawals using Cash@TillTM

You also get four FREE FNB ATM withdrawals every month. This is great if you earn a regular income, or you use your account often during the month.

Pay-As-You-Use Pricing Option: This option is for you if your transactions vary from month-to-month and you do a combination of electronic and manual transactions. You are charged for each transaction at the applicable fee. For this low monthly fee you will also get:• FREE Card purchases• FREE cash withdrawals using Cash@TillTM

• FREE mini statements and balance enquiries using Mobile ChannelsPlease note that fee rebates are no longer offered on the Pay-As-You-Use Pricing Option.

Exclusive for Smart Account Holders: As a Smart Account customer, you can get FREE airtime* every month if you bank smart! Qualifying to get FREE airtime* is easy, all you need to do every month is:• Have an active Smart Account that is in good standing• Deposit at least R1 000 into your Smart Account and spend R300 or more using your Smart Account Card Every month you can:• Earn R5.00 airtime for every R100 you spend using your FNB bank Card at Shoprite & Checkers; and • Earn R5.00 airtime for every R100 airtime you buy using eChannels and Mobile Channels; and• Earn R5.00 airtime for doing your banking using eChannels and Mobile Channels (instead of visiting a branch and doing a transaction at the counter); and • Earn R5.00 airtime for drawing more cash using Cash@TillTM than using an ATM

Islamic Smart AccountWe are pleased to offer you the option of choosing a Shari’ah compliant Smart Account. With Islamic Banking you may be eligible to earn a monthly profit share on your linked Savings Pocket. For more information please contact the Islamic Banking contact centre on 0861 786 788.

A Smart Account is perfect if you’re looking for a low monthly fee, and a little more flexibility to fit into your lifestyle.

* Terms, conditions and rules apply.The Small

Print


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account


Cash Withdrawals

0.70% of deposit value (min R5.50)

1.51% of deposit value (min R 43.00)


R85.00


R1.10

R8.50

R8.50

Monthly Account Fee


InContact


Pay with your card

Commission and Currency Conversion Fee on International Card Purchases

Cash@Till™



FNB ATM

Other Banks’ ATM

International ATM (Additional 2.75% Commission and Conversion fee applies)

FNB Branch

International Branch (Additional 2.75% Commission and Conversion fee applies)


Cash Deposit at FNB Branch


ENC Upliftment Fee and Special Clearance

Post-dated Cheque


Other Banks’ ATM


Monthly Fees

Transaction Description

FREE

FREE

FREE

FREE

2.75% of transaction value

FREE

Unlimited Pay-As-You-Use

R49.00 R12.00

FREE R4.00 per R500.00

R4.00 per R500.00

Four FREE every Month,

thereafter R6.70 per R500.00

R6.70 per R500.00

R6.50 + (R6.70 per R500.00)

R43.00 R28.00

R43.00 + 1.61% of withdrawal value

R43.00 + 1.61% of withdrawal

value


value

Card Purchases

Deposits

Prepaid Purchases

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account



Using eChannels

Telephone (Consultant Assisted)

FNB Branch


Using eChannels


FNB Branch

Bank Cheque

Internal

External

Online

Mobile Channels


Branch

Online

Branch


Point-of-Sale

International Point-of-Sale

Other Banks’ ATM




FREE

FREE

R1.00

R3.50

R35.00

R43.00

FREE

FREE

R1.00

R7.00

R35.00

R43.00

R80.00


Transaction Description Unlimited Pay-As-You-Use

FREE

FREE

FREE

R3.70

R7.50

R5.00

R5.00

R15.00

R43.00

FREE

R11.50

FREE

R1.40

R2.50

R4.20

R4.20

FREE

R3.00

Payments

Debit Orders



Balance Enquiries

Statements

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account





R 13.00 (per page)

FREE

R7.50

R 5.00 (per item)

R80.00

R115.00

R1.50

R40.00

R4.25 + (R6.70 per R500.00)

R8.50

R20.00

R3.00

R3.00

R0.95

R3.00

R15.00

R0.70

R1.10

R5.00

Historical Statements older than 3 months - Online Banking

Posted/Printed Statement

Historical Statements older than 3 months - Branch and Telephone Banking

Provisional Statement - Branch and Telephone Banking

FNB ATM

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


Chip & PIN Card (non-personalised)

Personalised Card


Pay & Clear Now




My Limit Alert


Monthly

Weekly

Daily

Email

SMS

Fax

Statements




Send Money




The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Card Courier Fee



Cash Swap

Account Overdrawn Fee (when your Account Limit has been exceeded)



R95.00

R55.00

R4.35

1.61% of Cash Value

R57.00

Cash Centre Deposit: Error in Cast R55.00

R130.00

Other Fees

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Personal Cheque Account and Islamic Personal Cheque Account

A Personal Cheque Account from FNB offers you so much more than just a Bank Account - it offers you

functionality and flexibility, allowing you to manage your money in the best way possible. All Personal Cheque

Account Customers have access to the following:

Bank

• FREE monthly subscription to FNB eChannels and Mobile Channels

• FREE InContact; we’ll SMS you every time R100 or more goes into, or out of your account

• FREE emailed monthly statements

• Cash@TillTM; no charge for withdrawing cash at tillpoints at selected retailers when you use your card to pay

for your shopping

• You don’t pay transactional fees when you swipe your Personal Cheque Card, no matter how big, or small

your purchase is

Save

• A FREE Savings Account (Savings Pocket) linked to your Personal Cheque Account: keep your savings

separate from your day-to-day-banking, while you enjoy easy access to your money and a competitive

interest rate on your credit balance

• Bank your Change: automatically rounds up the value of the purchase made with your card and transfers the

difference directly into your Savings Account (Savings Pocket) so you save while you spend!

Borrow

• Overdraft: offers you instant access to short-term credit so you’ll have money to cover unexpected

expenses, and you only pay when you use it

• Temporary Loan: a short-term loan which should be repaid in 31 days, where any deposits into your

Personal Cheque Account will be used to pay off the loan amount

• Revolving Loan: once you have repaid 15% of your original loan amount, you will again have access to those

funds without having to re-apply for credit

Lifestyle

• For your convenience, we can deliver your FNB Personal Cheque Card to your home or office

• You could qualify for a new smartphone or laptop at discounted prices over a 24-month period with 0% interest

Get access to a range of lifestyle benefits and rewards created just for you.

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

eBucks Rewards*

• Subscription to eBucks is FREE• As a FNB Personal Cheque Account customer you can earn eBucks for doing everyday things like swiping your card, shopping online, shopping at Checkers & Shoprite, filling up with fuel, or purchasing prepaid airtime and prepaid electricity electronically through FNB• You can spend the eBucks you earn on fuel, electronics and appliances, travel, books, CDs and DVDs, flowers, outdoor equipment, fashion - you name it• You could also get up to 40% off the purchase of lifestyle products in the eBucks Shop or when you book your travel arrangements through eBucks Travel. This means that the more eBucks you earn, the more you can save when you spend your eBucks AND get a discount on your purchase• You can also get FREE monthly 3G Data if you have an active FNB Smart Device contract or get a discount on your FNB Connect Uncapped ADSL Data subscription• For detailed information on how to qualify, earn and spend your eBucks Rewards please visit www.eBucks.com

Exclusive for Platinum Cheque Account Holders

• Premier Banking services to take care of your banking needs• Access to SLOW* Airport Lounges for domestic and international travel• Get FREE Comprehensive Global Travel Insurance that keeps you covered locally and internationally when you purchase your travel ticket(s) using your Personal Cheque Card• Platinum Cheque Card delivered by courier at no extra charge Three pricing options are available to ensure you always get exactly what you need, without paying too much:

Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account and always be in control of what you pay. On this option you get unlimited qualifying electronic transactions using eChannels and Mobile Channels. Qualifying transactions include:• Debit orders• Card purchases • Payments and transfers using eChannels and Mobile Channels• Cash withdrawals using Cash@TillTM

You also get four FREE FNB ATM withdrawals every month.

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Bundled Pricing Option: From October 2014, this new pricing option is available. This option is for you if you want to pay a fixed discounted monthly account fee, which includes your Cheque Account as well as Credit Card monthly fees. On this option you get unlimited qualifying electronic transactions using eChannels and Mobile Channels.

Qualifying transactions include:

• Debit Orders• Card Purchases• Payments and transfers using eChannels and Mobile Channels• Cash withdrawals using Cash@TillTM

• You also get four FREE FNB ATM withdrawals every month

Please note that this option is only available on Platinum Accounts

NEW

Pay-As-You-Use Pricing Option: This option is for you if your transactions vary from month-to-month and you do a combination of electronic and branch transactions. You are charged for each transaction at the applicable fee. For a low monthly fee you also get: • FREE card purchases• FREE cash withdrawals using Cash@TillTM

• FREE transactions using Mobile Channels which include: Transfers and payments, mini statements and balance enquiries• Pay-As-You-Use pricing option is not applicable to One Account.

Islamic Personal Cheque Account

We are pleased to offer you the option of choosing a Shari’ah compliant Personal Cheque Account. With Islamic Banking you may be eligible to earn a monthly profit share on your linked Savings Pocket. For more information please contact the Islamic Banking contact centre on 0861 786 788.

* Terms, conditions and rules apply.

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account


Gold Cheque Account & Islamic Gold Cheque Account

Platinum Cheque Account & Islamic Platinum Cheque Account

One Account Monthly Fee

Monthly Fees*

Transaction Description Unlimited

R100.00

R145.00

R120.00

Pay-As-You-Use

R31.50

R40.00

N/A

Bundled

N/A

R199.00

R174.00

Other Monthly Fees

One Account Service Fee


InContact


Device Payment**

Petrol Card

Pay with your card


Petrol Card

Cash@Till™



FNB ATM

Other Banks’ ATM


FNB Branch/Cheque


R190.00 N/A

FREE

FREE

FREE

Device dependant

R14.50

FREE


R4.75

FREE

Card Purchases

Cash Withdrawals


R4.00 per R500.00



R6.70 per R500.00

R6.50 + (R6.70 per R500.00)

R43.00 R28.00



value


value

* An additional monthly Exchange Control Administration Fee of R13.00 will be levied on Non-Resident Cheque accounts.** Only applicable if you have taken up the FNB Smartphone/Tablet/Laptop offer. Refer to www.fnb.co.za for the monthly device payment applicable.

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account


Print

FREE R3.50

R35.00

R43.00

FREE R7.00

R35.00

R43.00

R80.00


Using eChannels


FNB Branch


Using eChannels


FNB Branch/Cheque

Bank Cheque

Internal

External

Online

Mobile Channels


Branch

Online

Branch





Post-dated Cheque


Transaction Description Pay-As-You-Use

FREE

FREE

FREE

R3.70

R16.00

R5.00

R5.00

R15.00

R43.00

FREE

R11.50




R85.00


Payments

Debit Orders



Deposits

FREE

FREE

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Bundled/Unlimited


Point-of-Sale


Other Banks’ ATM


Current Month Emailed Statement

First Official Monthly Statement Collected at an FNB Branch







FNB ATM

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

Returned Item (Cheque and Debit order)

Visa Cheque Card/Chip & PIN Card

FNB Petrol Card

FREE

R1.40

R2.50

R4.20

R4.20

FREE

FREE

FREE

R3.00




R 13.00 (per page)

FREE

R7.50

R60.00 for first three, R138.00 thereafter (per item within a 12

month period)

R115.00

R115.00

Balance Enquiries

R1.10

R8.50

R8.50

Prepaid Purchases



Other Banks’ ATM


Statements*



* Free for Accounts utilising an Overdraft.

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Pay-As-You-UseBundled/Unlimited

Send Money

Pocket 40 Form

Online Banking



Pay & Clear Now




Value: R20.00 - R1 000.00

Value: R1 000.01 - R2 000.00

Value: R2 000.01 - R3 000.00

Copies of Vouchers (Deposit Slips and Cheques)

Loan Related Fees (One Account Specific)

R57.00

R25.00

R57.00

R17.00

Credit Fees


Monthly Credit Service Fee (only pay when you use R200 or more of your Overdraft)

Rebate on Monthly Credit Service Fee (when you do not use more than your Overdraft Limit)

Monthly Credit Service Fee (Revolving Loan)

Rebate on Monthly Credit Service Fee (when you do not use more than your Revolving Loan Limit)

R5 700.00

R1 400.00

Levied when home loan is cancelled without giving 90 days notice. Fee is based on outstanding balance

of your loan, your interest rate and remaining loan term.

Initiation Fee (once-off)

Valuation/Revaluation Fee

Early Settlement Fee

Cheque Book Fees

R40.00

FREE

R 20.00 (per side)

R1.50

R40.00

R4.25 + (R6.70 per R500.00)

R8.50

R20.00

R45.00

R70.00

R105.00


Send Money to Zimbabwe/Mozambique

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account


R46.00

R21.00

R11.50

R85.00

R34.00

R17.00

Additional Statements (Fee per Month)


Daily

Weekly

Twice Monthly

Daily

Weekly

Twice Monthly

R3.00

R3.00

R0.95

R3.00

R15.00

R0.70

R1.10

R5.00

R95.00

Device dependant

R200.00

R55.00

R4.35

1.61% of Cash Value

R57.00

R130.00

My Limit Alert


Monthly

Weekly

Daily

Email

SMS

Fax

Card Courier Fee

Device Courier Fee

Cheque Book Courier



Cash Swap


R5.50Optional Roadside Assistance on your qualifying Cheque Card

R55.00Cash Centre Deposit: Error in Cast


Other Fees

Online

Paper




The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account


NEW

In addition to the benefits available to all FNB Personal Cheque Account customers, you’ll also enjoy:• Preferential interest rates on the Savings Pocket linked to your FNB Encore Cheque Account. (No fees are

charged on your Savings Pocket and the more you save, the better your interest rate)• Qualifying Credit Card and Petro Card customers benefit from a 50% discount on the Monthly Card Fee,

however you are required to apply for the Encore Credit Card offering when you reach the age of 55 or older. Credit Card Terms and conditions apply.

Encore Platinum Account Holders enjoy the following exclusive Platinum benefits:

• Premier Banking Services for all your banking needs• Access to SLOW* airport lounges for domestic and international travel• Get FREE Comprehensive Global Travel Insurance that keeps you covered locally and internationally when you

purchase your travel ticket(s) using your Personal Cheque Card• Platinum Cheque Card delivered by courier at no extra charge


Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account, and always be in control of what you pay. On this option you get unlimited qualifying electronic transactions using eChannels and Mobile Channels. Qualifying transactions include:• Debit orders• Card purchases • Payments and transfers using eChannels and Mobile Channels• Cash withdrawals using Cash@TillTM


Standard Pricing Option: This option is ideal if you are able to maintain the specified credit balance at ALL times.

1. Cheque Balance Option: you will not pay the monthly Account Fee if you are able to maintain at least R5 000 in your Encore Cheque Account. This option includes:

• unlimited qualifying electronic transactions; and

• four FREE FNB ATM cash withdrawals; and

• a combination of three FREE branch, cheque and Telephone Banking (consultant assisted) transactions

(excluding all cash and cheque deposits) per month

Encore Gold & Encore Platinum Cheque AccountThe Encore Portfolio is exclusively designed for you if you are 55 and older.

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

2. Savings Pocket Option: you will not pay the monthly Account Fee if you pledge at least R10 000 in your Savings Pocket linked to your Encore Cheque Account. This option includes:

• unlimited qualifying electronic transactions; and

• four FREE FNB ATM cash withdrawals; and

• a combination of three FREE branch, cheque and Telephone Banking (consultant assisted) transactions

(excluding all cash and cheque deposits) per month

* Terms, conditions and rules apply.

Encore Platinum Cheque Account

From October 2014, the Encore Platinum Cheque Account is available which offers Platinum benefits to over 55's. Customers over the age of 55, who have annual earnings of R350 000 or more, can take up the Encore Platinum offering.

TM

Encore Gold Cheque Account


InContact


Petrol Card

Minimum Balance in your Encore Cheque Account

Minimum Balance in linked Savings Pocket

Monthly Fees

Transaction Description Unlimited Standard

R95.00 R105.00

Encore Platinum Cheque Account R95.00 R105.00

Pay with your card


Petrol Card

Cash@Till™



FNB ATM

Other Banks’ ATM


FNB Branch


FREE


FREE

FREE

FREE

Card Purchases

Cash Withdrawals

R4.00 per R500.00

Four FREE every Month, thereafter R6.70 per R500.00

R6.50 + (R6.70 per R500.00)

R43.00 R23.00


value

R23.00^ + 1.61% of withdrawal

value

Minimum Balance for Rebate on Monthly Account Fee

FREE

FREE

FREE

R14.50


value

R23.00^ + 1.61% of withdrawal

value


N/A

N/A

R5 000

R10 000

^ Fees included in combination of three free branch and cheque transactions when you maintain the Minimum Balance.

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

TM

R80.00


Using eChannels



FNB Branch


Using eChannels


FNB Branch/Cheque

Bank Cheque

Internal

External

Online

Mobile Channels


Branch

Online

Branch





Post-dated Cheque


Transaction Description Unlimited

FREE

R35.00 R 12.50^

R5.00

R5.00

R15.00

R43.00

FREE

FREE




R85.00


Payments

Debit Orders



Deposits

FREE

FREE

R43.00 R 23.00^

FREE

FREE

R35.00 R 12.50^

R43.00 R 23.00^

FREE

FREE

^ Fees included in combination of three free branch and cheque transactions when you maintain the Minimum Balance.

Standard

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account


Point-of-Sale


Other Banks’ ATM


Current Month Emailed Statement

First Official Monthly Statement Collected at an FNB Branch







FNB ATM


Returned Item(Cheque and Debit Order)

Electron

Visa Cheque Card/Chip & PIN Card

FNB Petrol Card

FREE

FREE

FREE

R4.20

R4.20

FREE

FREE

FREE

R3.00




R 13.00 (per page)

FREE

R7.50


month period)

R80 .00

R115.00

R115.00

Balance Enquiries

R1.10

R8.50

R 8.50^

Prepaid Purchases



Other Banks’ ATM


Statements*



* Free for Accounts utilising an Overdraft.^ Fees included in combination of three free branch and cheque transactions when you maintain the Minimum Balance. The Small

Print


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

R46.00

R21.00

R11.50

R85.00

R34.00

R17.00


Daily

Weekly

Twice Monthly

Daily

Weekly

Twice Monthly

Online

Paper

Send Money

Pocket 40 Form

Online Banking



Pay & Clear Now




Value: R20.00 - R1 000.00

Value: R1 000.01 - R2 000.00

Value: R2 000.01 - R3 000.00

Copies of Vouchers (Deposit Slips and Cheques)

R57.00

R25.00

R57.00

R17.00

Credit Fees


Monthly Credit Service Fee (only pay when you use R200 or more of your Overdraft)

Rebate on Monthly Credit Service Fee (when you do not use more than your Overdraft Limit)

Monthly Credit Service Fee (Revolving Loan)

Rebate on Monthly Credit Service Fee (when you do not use more than your Revolving Loan Limit)

Cheque Book Fees

R40.00

FREE

R 20.00 (per side)

R1.50

R40.00

R4.25 + (R6.70 per R500.00)

R8.50

R20.00

R45.00

R70.00

R105.00



The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Simple

Easy

Smart

Smart

Home


R3.00

R3.00

R0.95

R3.00

R15.00

R0.70

R1.10

R5.00

R95.00

Device dependant

R200.00

R55.00

R4.35

1.61% of Cash Value

R57.00

R130.00

My Limit Alert


Monthly

Weekly

Daily

Email

SMS

Fax

Card Courier Fee

Device Courier Fee

Cheque Book Courier



Cash Swap



Other Fees




R5.50Optional Roadside Assistance on your qualifying Cheque Card


The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

TM

It’s never too early to start banking. The FNB Youth Account has been designed especially for you if you are younger than 18.

Youth (Fluid) Account and Islamic Youth Account

This account offers great savings on fees while teaching young children and teens the ins-and-outs of

saving and banking wisely.


Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account and

always be in control of what you pay. On this option you get unlimited qualifying electronic transactions

using eChannels and Mobile Channels. Qualifying transactions include:

• Debit orders

• Card purchases

• Payments and transfers using eChannels and Mobile Channels

• Cash withdrawals using Cash@TillTM


Standard Pricing Option: You will not pay a monthly Account Fee if you keep a minimum of R500 in your

account at all times. You will also get two FREE debits per month, after which you will be charged an

applicable fee per transaction. These include:

• FNB ATM cash withdrawals


• Debit orders

Local purchases with your Card are FREE.

Islamic Youth Account

We are pleased to offer you the option of choosing a Shari’ah compliant Youth Account. For more

information please contact the Islamic Banking contact centre on 0861 786 788.

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account


Cash@Till™



FNB ATM

Other Banks’ ATM


FNB Branch


R35.00

R43.00


FREE

FREE R3.50


Using eChannels


FNB Branch

R24.50 R6.00

N/A R500

Monthly Account Fee


InContact

Minimum Balance in your Youth Account

Monthly Fees


Pay with your card


FREE


Card Purchases

Cash Withdrawals


FREE

FREE

FREE


R4.00 per R500.00



R6.70 per R500.00

R6.50 + (R6.70 per R500.00)

R43.00 R28.00



value


value

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

FREE R7.00

R35.00

R43.00

R80.00


FNB ATM, Online, Telephone (IVR) & Scheduled


FNB Branch/Cheque

Bank Cheque

Internal

External

Online

Mobile Channels


Branch

Online

Branch





Post-dated Cheque


FREE

FREE

R3.70

R16.00

R5.00

R5.00

R15.00

R43.00

FREE

R11.50




R85.00


Payments

Debit Orders



Deposits

FREE

R1.10

R8.50

R8.50

Prepaid Purchases


Other Banks’ ATM


The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

My Limit Alert


R3.00

R3.00


Send Money

Pay & Clear Now




R40.00

R4.25 + (R6.70 per R500.00)

R8.50

R20.00



Point-of-Sale


Other Banks’ ATM







FNB ATM


Returned Item (Cheque and Debit Order)

Card Replacement

FREE

R1.40

R2.50

R4.20

R4.20

FREE

R3.00



R 13.00 (per page)

FREE

R7.50


month period)

R80.00

Balance Enquiries


Statements



The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

R0.95

R3.00

R15.00

R0.70

R1.10

R5.00

Card Courier Fee

Online Banking Password (Consultant Assisted)


Cash Swap


R95.00

R55.00

R4.35

1.61% of Cash Value

R130.00

Other Fees



Monthly

Weekly

Daily

Email

SMS

Fax


The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account


As a student we understand that managing your cash and finances should be the least of your worries,

which is why we offer two different pricing options and low Account Fees.

Two pricing options are available to ensure you always get exactly what you need, without paying

too much:

Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account and

always be in control of what you pay.

On this option you get unlimited qualifying electronic transactions using eChannels and Mobile Channels.

Qualifying transactions include:

• Debit orders

• Card purchases


• Cash withdrawals using Cash@TillTM


Pay-As-You-Use Pricing Option: You will not pay the monthly Account Fee if you keep a minimum of R500

in your account at all times. This option is for you if your transactions vary from month-to-month and

you do a combination of electronic and branch transactions. You are charged for each transaction at the

applicable fee. For a low monthly fee you also get:

• FREE Card purchases

• FREE cash withdrawals using Cash@TillTM

• FREE transactions using Mobile Channels which include:

Transfers and payments, mini statements and balance enquiries

Student (Lifestart) Account

The Student Account is available to full-time students between the ages of 18 and 25 studying towards a degree or diploma at a recognised tertiary education institution.

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account


Using eChannels


FNB Branch


Cash@Till™



FNB ATM

Other Banks’ ATM


FNB Branch


R35.00

R43.00


FREE

FREE R3.50

R24.50 R6.00

N/A R500

Monthly Account Fee


InContact

Minimum Balance in your Youth Account

Monthly Fees


Pay with your card


FREE


Card Purchases

Cash Withdrawals


FREE

FREE

FREE


R4.00 per R500.00



R6.70 per R500.00

R6.50 + (R6.70 per R500.00)

R43.00 R28.00



value


value

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

FREE R7.00

R35.00

R43.00

R80.00


FNB ATM, Online, Telephone (IVR) & Scheduled


FNB Branch/Cheque

Bank Cheque

Internal

External

Online

Mobile Channels


Branch

Online

Branch





Post-dated Cheque


FREE

FREE

R3.70

R16.00

R5.00

R5.00

R15.00

R43.00

FREE

R11.50




R85.00


Payments

Debit Orders



Deposits

FREE

R1.10

R8.50

R8.50

Prepaid Purchases


Other Banks’ ATM


The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Send Money


Pay & Clear Now




R1.50

R40.00

R4.25 + (R6.70 per R500.00)

R8.50

R20.00



Point-of-Sale


Other Banks’ ATM







FNB ATM


Returned Item (Cheque and Debit Order)

Card Replacement

FREE

R1.40

R2.50

R4.20

R4.20

FREE

R3.00



R 13.00 (per page)

FREE

R7.50


month period)

R80.00

Balance Enquiries


Statements



Value: R20.00 - R1 000.00

Value: R1 000.01 - R2 000.00

Value: R2 000.01 - R3 000.00

R45.00

R70.00

R105.00


The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

R3.00

R3.00


My Limit Alert


R0.95

R3.00

R15.00

R0.70

R1.10

R5.00

Card Courier Fee



Viewing of Payment History (older than 3 months)

Cash Swap


R95.00

R55.00

R4.35

FREE

1.61% of Cash Value

R130.00

Other Fees



Monthly

Weekly

Daily

Email

SMS

Fax


R46.00

R21.00

R11.50

R85.00

R34.00

R17.00


Daily

Weekly

Twice Monthly

Daily

Weekly

Twice Monthly

Online

Paper

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account


TM

Savings Account

This account is no longer available for new customers. Offering you easy and instant access to your money, you will

not pay a monthly Account Fee if you maintain a Minimum Balance of R2 000 in your account at all times.

If you’re looking for a flexible way of saving, then the Savings Account is ideal for you.



Monthly Fees

R6.00

FREE

FREE

R2 000.00

FREE


FREE

R 5.50 per R500.00

R 5.50 per R500.00

R 11.00 per R500.00

R6.50 + (R11.00 per R500.00)


R5.50

R43.00

Monthly Account Fee


InContact

Minimum Balance in your Savings Account

Pay with your card


Cash@Till™



FNB ATM

Other Banks’ ATM

FNB Branch


FNB Branch

Minimum Balance for Rebate on Account Fee

Card Purchases

Cash Withdrawals


The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

TM

Deposits

Payments

Debit Orders



FNB Branch

Internal

External

Online

Mobile Channels


Branch

R11.00

R43.00

R5.50

R16.00

R5.00

R5.00

R15.00

R43.00


Prepaid Purchases

Balance Enquiries

Statements


Other Fees




R85.00

R1.10

R8.50

R8.50

FREE

R3.00

R 13.00 (per page)

R1.50

R8.50

R4.25 + (R6.70 per R500.00)

R57.00






Other Banks’ ATM




Branch Statements





Any other fees not specifically mentioned above are charged at Personal Cheque Account Pay-As-You-Use fees.The Small

Print


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Monthly Account Fee


InContact


Card Issuing Fee (Charged every 6 months after Account opening)

Mzansi Account

Monthly Fees

Transaction Description Mzansi

R0.00

FREE

FREE

FREE

R5.00

This account is no longer available for new customers. You do not pay a monthly fee. You may for 8 transactions a

month, then you pay an additional fee of R8.00 per transaction. Mzanzi Account holders are limited to a maximum

balance of R15 000 every month and you are allowed to have debit orders with this account.

Pay with your Card

Card Purchases

FREE

Cash@Till™

FNB Mini ATM/ Slimline

Other Banks' Mini ATM

FNB ATM

Other Banks' ATM

FNB Branch

Cash Withdrawals

FREE

R 3.50

R 3.50

R 6.50

R 6.50

R 15.00


R 85.00

R 6.50

R 15.00





Deposits

R 1.10

R 8.50

R 8.50


Other Banks' ATM


Prepaid Purchases

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account


Point-of-Sale

Other Banks' ATM

FREE

FREE

R 1.25

Balance Enquiries

Into linked Savings Account (Savings Pocket)


Using eChannels


FNB Branch



FREE

R 1.00

R 6.50

R 35.00

R 43.00


Using eChannels


FNB Branch

R 1.00

R 6.50

R 35.00

R 43.00

Payments

Internal

External

R 3.50

R 6.50

Debit Orders

Online

Mobile Channels


Branch

R 5.00

R 5.00

R 15.00

R 43.00


Online

Branch

FREE

R 11.50


The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Statements


FREE

R 3.00








FREEFNB ATM

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



R 80.00Electron


R 1.50

R4.25 + (R6.70 per R500.00)

Buy LOTTO™/Powerball Cardless Cash Withdrawals

Send Money

R 8.50

R 20.00

Send Money to an eWallet Reversal of Send Money to eWallet

Electronic Subscriptions Services (fee per month)

R 3.00

R 3.00

My Limit Alert


Balance Alert (fee per month)

R 0.95

R 3.00

R 15.00

Monthly

Weekly

Daily




R 13.00 (per page)

R 7.50

R 5.00 (per item)

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account



R 0.70

R 1.10

R 5.00

Email

SMS

Fax

Other Fees

R 95.00

R 55.00

R 4.35

1.61% of Cash Value

R 57.00

R 130.00

Card Courier Fee

Online Banking Password Reset Telephone Banking (Consultant Assisted)

Online Banking Account Verification (FNB Accounts and Other Banks Accounts)

Cash Swap

Account Overdrawn Fee (when your Account limit has been exceeded)


The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account


Monthly Account Fee


InContact


TM

Social Grant

Monthly Fees


R 6.50

FREE

FREE

FREE

This account is no longer available for new custsomers and is valid only if you live in the Eastern Cape, and get a

grant of any kind from Eastern Cape Government. You are not permitted to have debit orders with this account.

Pay with your Card

Card Purchases

FREE

Cash@Till™

FNB Mini ATM/ Slimline

Other Banks' Mini ATM

FNB ATM

Other Banks' ATM

FNB Branch

Cash Withdrawals

FREE

R 3.50

R 3.50

R 6.50

R 6.50

R 15.00


R 85.00

R 6.50

R 15.00





Deposits

R 1.10

R 8.50

R 8.50


Other Banks' ATM


Prepaid Purchases

Social Grant

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account


Point-of-Sale

Other Banks' ATM

FREE

FREE

R 1.25

Balance Enquiries

Into linked Savings Account (Savings Pocket)


Using eChannels


FNB Branch

Easy

Forex

TM

Print

Home



FREE

R 1.00

R 6.50

R 35.00

R 43.00


Using eChannels


FNB Branch

R 1.00

R 6.50

R 35.00

R 43.00

Payments

Internal

External

R 3.50

R 6.50

Debit Orders

Online

Mobile Channels


Branch

R 5.00

R 5.00

R 15.00

R 43.00


Online

Branch

FREE

R 11.50


Social Grant

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Statements


FREE

R 3.00








FREEFNB ATM

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



R 80.00Electron


R 1.50

R4.25 + (R6.70 per R500.00)

Buy LOTTO™/Powerball Cardless Cash Withdrawals

Send Money

R 8.50

R 20.00

Send Money to an eWallet Reversal of Send Money to eWallet

Electronic Subscriptions Services (fee per month)

R 3.00

R 3.00

My Limit Alert


Balance Alert (fee per month)

R 0.95

R 3.00

R 15.00

Monthly

Weekly

Daily




R 13.00 (per page)

R 7.50

R 5.00 (per item)

Social Grant

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account



R 0.70

R 1.10

R 5.00

Email

SMS

Fax

Other Fees

R 95.00

R 55.00

R 4.35

1.61% of Cash Value

R 57.00

R 130.00

Card Courier Fee

Online Banking Password Reset Telephone Banking (Consultant Assisted)

Online Banking Account Verification (FNB Accounts and Other Banks Accounts)

Cash Swap

Account Overdrawn Fee (when your Account limit has been exceeded)


Social Grant

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account


Monthly Account Fee

Minimum Balance Required for Rebate

Stokvel Account

Monthly Fees


R 5.75

R 5 000.00

Stokvel is a book based savings account for a group of people who want to save together.

FNB Branch

Cash Withdrawals

R 25.00







Deposits

R 1.00

R 3.50


Using eChannels


R 13.00 (per page)Provisional Statement - Branch and Telephone Banking

Statements

R 24.00Lost Book Replacement Fees

Lost Book Replacement Fees

Stokvel

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Monthly Account Fee

Minimum Balance Required for Rebate

Smart Save Account

Monthly Fees


R 5.75

R 5 000.00

This account is no longer available to new customers. If you have R5000 in your Smart Savings Account at all times

during the month, you will get 10 free transactions (this does not include cash deposits, special instructions,

penalty fees or statment changes).

FNB Branch

Cash Withdrawals

R 25.00







Deposits

R 1.00

R 3.50


Using eChannels


R 13.00 (per page)Provisional Statement - Branch and Telephone Banking

Statements

R 24.00Lost Book Replacement Fees

Lost Book Replacement Fees

Smart Save

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Credit Card

It has grown into the ultimate transactional tool, giving you real value and benefits that make life rewarding

with everyday savings.

Bank

• FREE monthly subscription to FNB eChannels and Mobile Channels

• FREE inContact; we’ll SMS you every time R100 or more goes into, or out of your account

• FREE balance enquiries using FNB eChannels and Mobile Channels

• FREE email or posted monthly statements

• FREE lost card protection and PIN replacement

• Auto-payment solution offers you the convenience of having your account paid on time, every time

• You don’t pay extra fees when you swipe your Credit Card; there are no transaction fees no matter how big

or small your purchase

Save

• FREE unlimited swipes: all swipes are FREE, that means you save money as there are no transaction fees

when spending on small and big ticket items

• We offer you personalised and competitive debit interest rates - calculated for the individual, not

the product

• We also offer you credit interest rates

Borrow

• Up to 55 days INTEREST-FREE credit

• We offer you personalised and competitive debit interest rates of up to 3% lower than other products -

calculated for the individual, not the product

Insure

• Debt Protection Plan cover to settle your outstanding Credit Card debt in the event of death, permanent

disability and retrenchment

• Accidental Death Plan cover for you or your family in the event of your death in an accident

• Safeguard your family’s lifestyle with FNB’s Lifestyle Protector in the event of death or permanent disability

Credit Card is no longer just about credit.

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Lifestyle

• Should you meet the qualifying criteria, you could qualify for a monthly R50.00 discount on your new

smartphone or tablet offering

• FREE AA Emergency Roadside Assistance with a linked Petro Card

• Get FREE Global Travel Insurance that keeps you covered locally and internationally, when you purchase your

travel ticket(s) using your Credit Card

• For your convenience, we can deliver your Credit Card to your home or office (delivery fees may apply)

Safety

• Your Chip and Pin Credit Card provides you with a secure way to pay, making transactions safer than

ever before

• Online Secure is a service offered by FNB that uses a One Time PIN (OTP) to protect your card against

unauthorised use when transacting online

eBucks Rewards

• As a Credit Card customer, you can earn eBucks for doing everyday things like shopping, filling up with fuel

or loading airtime using your FNB Credit Card and doing your banking with FNB

• You can spend your eBucks on fuel, electronics and appliances, travel, books, CDs and DVDs, flowers,

outdoor equipment, fashion – pretty much anything!

• You will get a guaranteed 1% back in eBucks on your Credit Card spend and up to 15% back on your fuel,

prepaid airtime, electricity, Checkers & Shoprite spend

• For detailed information on how to qualify, earn and redeem your eBucks, please visit www.fnb.co.za or any

FNB Branch

Exclusive to FNB Platinum Credit Cardholders

• Access to the 24/7 Platinum Call Centre

• Access to SLOW airport lounges for domestic and international travel

• Access to SLOW in the City

• FREE Take Me Home benefit on a linked Platinum Petro Card and standalone Petro Cards allows you to make

use of a designated driver service when you need to get home safely

Terms, conditions and rules apply.*Excludes your Linked Petro Card Fee

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Bundled Platinum pricing option

From 1 October 2014, if you hold a qualifying FNB Platinum Cheque and Credit Card Account, you will qualify for the Bundled Platinum pricing option of R199 on your Platinum Cheque Account. This discounted fee will include your Platinum Cheque Account and Credit Card monthly fees as well as your eBucks linkage fee and fees for up to 5 additional Credit Cards.*

To find out more about this pricing option, please refer to the Personal Cheque Account section.

NEW

Monthly Fees

Fees that have not changed or have been reduced are reflected in turquoise. For ease of reference, monthly

NCA Card Fees for our product range have been segmented below.

Classic Credit Card Fees (per Month)


Credit Card Monthly Account Fee

Credit Facility Service Fee

Additional Card Fees (per Card Linked to Account)

Linked Petro Card (per Card Linked to Account)












Petro Card Monthly Account Fee




R23.00

R5.00

R12.50

R14.50

R135.00

R24.50

R7.50

R12.50

R14.50

R135.00

R53.00

R10.00

R13.25

R20.00

R135.00

R28.50

R7.50

R12.50

R135.00

Gold Credit Card Fees (per Month)

Platinum Credit Card Fees (per Month)

Standalone Petro Card Fees (per Month)

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Credit Card Purchase

Credit Card Budget Purchase


Fuel Transaction Fee (Petro Cards only)

FNB ATM

Other Banks’ ATM

FNB Mini ATM (per R500.00)

Branch (includes all Financial Institution Branches and the Purchase of Foreign Exchange)

Cash on Budget:

Platinum

Gold

Classic

International^ (ATM and Branch)

Cheque Deposits (FREE for Encore)

% of value

Minimum

Cheque Clearance Fee

FNB ATM with Automated Deposit Terminal (ADT):

Deposits

Cash Withdrawal Fees

Definitions

• Credit Card Monthly Account Fee: is the cost charged monthly for the administration and maintenance of your

Credit Card Account

• Credit Facility Service Fee: is the cost charged monthly for the routine administration of maintaining your

Credit Facility

Other Credit Card-related Fees

^ This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATMs charge an additional surcharge.

% of Value

Purchases


FREE

FREE


R4.75 (per R500.00)

R6.70 (per R500.00)

R6.50 + FNB ATM Fee

R4.00


R47.50 + % of withdrawal value

2.00%

2.25%

2.50%


R20.00

0.70%

R5.50

R250.00

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

TM

Linked Account Transfers & Account Payments

Voucher Retrieval Requests

Other Fees

IVR Smart Transfer to FNB


Third Party Payments


Transfers and Payments at Branch

Local

International

Declined Transaction Fee

Bank Cheque Administration Fee

Card Replacement Fee (per Card) (Standard 3-day Delivery)

Fast-track Card Replacement Fee (per Card) (24-hour Delivery on Request)

Card Delivery to nearest FNB Branch

Card Courier Personal Delivery (FREE for Platinum Cardholders)

Section 129 Letter Fee

Send Money to an FNB eWallet

Reversal of Incorrect “Send Money to an FNB eWallet” Transaction

Cardless Cash Withdrawal (Cellphone Banking)

Pay2Cell

LOTTOTM/Powerball Purchase

Prepaid Transaction Fee (FNB ATM, Cellphone, Online & Telephone Banking)

Definitions

• Credit Card Monthly Account Fee: is the cost charged monthly for the administration and maintenance of your

Credit Card account

• Credit Facility Service Fee: is the cost charged monthly for the routine administration of maintaining your

Credit Facility

Other Credit Card-related Fees


FREE

R3.50

R7.00

R35.00

R43.00

R75.00

R250.00

R7.50

R80.00

R115.00

R385.00

FREE

R195.00

R55.23

R8.50

R20.00

R4.25 + FNB ATM Fee

R3.50

R2.00

R2.00

Convenience Fees

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Credit Card Monthly Account Fees and Credit Facility Service Fees are not negotiable.

Important Information

• The above pricing is inclusive of VAT

Credit Card and Petro Card customers over the age of 55 can benefit from a 50% discount on the

Monthly Card Fee, with our Encore offering, however you are required to apply for this product.

Credit Card Terms and conditions apply.

•

• Interest rates are personalised and appear on the Credit Card Statement

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

• Should you require further information on any Credit Card products or services, please contact Credit

Card Customer Enquiries on 087 575 1111

• If your Credit Facility goes into arrears, you will be liable for collection fees in accordance with the

National Credit Act

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

eWallet

The recipient can access money in the eWallet and doesn’t even need a Bank Account.

They can get cash at any FNB ATM, buy prepaid airtime, data, electricity and more.

With eWallet, you can send money instantly to a valid South African cellphone number.

Other Fees

FREE

R6.00*

R1.50*

R6.00

R1.50

R6.00*

R1.50

FREE*

FREE

* Not applicable to eWallet Pro wallet holders. Refer to www.fnb.co.za** List of selected stores available on www.fnb.co.za

R6.00

FREE

FREE

FREE



Monthly Account Fee

Deposit Cash into eWallet at FNB ATM Advance

FNB ATM Cash Withdrawals (first withdrawal per send is free)

Prepaid Purchases

Send Money from an eWallet to another eWallet

Transfer from eWallet to your FNB Account

GeoPay from eWallet

Payment to a Bank Account

Purchase or Get Cash at Selected Stores**

Monthly Dormancy Fee (charged after 6 consecutive months of inactivity)

Declined Transaction at an FNB ATM

FNB eWallet Balance Enquiry

FNB eWallet Transaction List

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Forex

With your convenience in mind, we have adapted our Forex for personal banking so that you can effortlessly:

• Send monetary gifts abroad

• Pay tuition fees in another country

• Buy clothing and goods from anywhere in the world

• Order foreign currency and have it delivered to your business premises

• Pay in advance for your travel arrangements such as accommodation, cruises, car hire, etc

• Receive money from abroad

• And so much MORE

Next time you need to order foreign currency, pay for shipments from abroad or receive incoming foreign

currency payments, use one of FNB’s channels:

• FNB Online Banking

• Forex Advisory Team

• FNB Branches

MoneyGram Channels include:

• FNB Branches (load beneficiaries and transact)

• FNB Cellphone Banking (transact once beneficiaries have been saved in-branch)

• FNB ATMs (transact once beneficiaries have been saved in-branch)

• Forex Advisory Team

Rewards

Global Payments

Sending and receiving money in a foreign currency via Online Banking will earn you up to 50% back in eBucks** on the

transaction charges.

Standing Instructions*

Should you receive money from abroad in a foreign Currency on a regular basis, you can give us permission to

convert these payments on your behalf, and you will earn up to 100% back in eBucks** on the transaction charges.

**Subject to standard eBucks earn rules.

At FNB Forex we aim to simplify your Foreign Exchange Transactions.

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

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Cash Passport Initial load fee (per currency)

Cash Passport commission (minimum R65)

Foreign Notes commission (minimum R70)

LSL,NAD,SZL Notes Commission (minimum R90)

Cash Passport

Foreign Notes

If originally bought from FNB and proceeds credited to an FNB transactional account commission

If proceeds credited to an account other than an FNB transactional account commission (minimum R65)

Foreign Notes Commission (minimum R70)

LSL,NAD,SZL Notes Commission (minimum R90)

Outward SWIFT Transfers

Commission (minimum R135, maximum R650)

SWIFT fee

Additional fee when payment is sent in South African Rand

Inward SWIFT Transfers


Additional fee when payment is received in South African Rand


Value R100 – R1000

Value R1001 – R2000

Value R2001 – R3000

R105.00

1.850%

1.900%

3.000%

FREE

1.850%

1.900%

3.000%

0.50%

R100.00

R110.00

0.50%

R110.00

R45.00

R70.00

R105.00

Travel Products Bought from FNB

International Payments


Travel Products sold to FNB

Money Transfers

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Delivery charge

Failed delivery charge (if customer is not available when appointment was made)

Forward Exchange Contracts

Establishment

Drawdown (per drawdown)

Cancellation

Extension

Exchange Control Applications to the SARB

Minimum Fee (per application)

Special request or follow-up Discretionary Admin Fee (minimum)

Low Value Inward SWIFTs and Bills Negotiable

Other Products and Services


Delivery

R150.00

R150.00

R100.00

R100.00

R100.00

R100.00

R1 140.00

R75.00

Foreign Currency Inward SWIFTs and BNs

Value R0 - R100.00

Value R100.01 - R500.00

Value R500.01 - R1 000.00

Value R1 000.01+

Inward SWIFTs received in South African Rand

Value R0 - R100.00

Value R100.01 - R500.00

Value R5 00.01 - R1 000.00

Value R1 000.01 - R2 000.00

Value R2 000.01 - R3 000.00

Value R3000.01+

R29.00

R58.00

R111.00

Normal charges as per product pricing schedule

Normal charges as per product pricing schedule

Commission

R29.00

R58.00

R111.00

R135.00

R135.00

ZAR Fee

R0.00

R0.00

R0.00

R35.00

R90.00

Drafts


Draft Fee

Bills Negotiable


Foreign cheques

1.00%

R100.00

1.00%

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account


Inward Pension Transfers

R15.00

R30.00

R45.00

R48.00

R50.00

R52.00

Value R0 - R1 000.00

Value R1 000.01 - R5 000.00

Value R5 000.01 - R10 000.00

Value R10 000.01 - R25 000.00

Value R25 000.01 - R40 000.00

Value R40 000.01+

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Easy

Forex

Print

Home

Global Accounts

With Global Accounts via Online Banking, you are able to:

• Open and manage your Global Accounts,

• Hold your individual foreign investment allowance in a foreign currency by simply transferring

funds from your FNB Cheque Account into your Global Account,

• Make payments to an offshore account from your Global Account,

• Repatriate authorised capital from abroad or send your foreign earnings from wherever you are in

the world to your Global Account.

(All transactions are subject to the South African Reserve Bank requirements)

Global Accounts are offered in the following currencies:

• US Dollar

• British Pounds

• Euros

• Australian Dollars

• Indian Rupees

• Chinese Renminbi

FNB Global Accounts makes offshore investment simple and convenient.

Transfer to/from your FNB Cheque Account to/from your Global Accounts

Transfer between Global Accounts

International Payments

Outward SWIFT Transfers

Commission (minimum R135.00 maximum R650.00)

SWIFT fee

Inward SWIFT Transfers

Commission (minimum R135.00 maximum R650.00)

Credit Interest Rate


Global Accounts

R50.00

R50.00

0,50%

R100.00

0,50%

Enquire

Interest is paid on Global Accounts and no minimum blance is required. Rates are subject to change.

For Credit Interest Rates, refer to rates on www.fnb.co.zaThe Small

Print


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Print

MoneyGramTM

MoneyGram™ is a money transfer service used to do cross-border, person-to-person payments. It’s an

affordable, reliable, fast and convenient way to send or receive foreign currency.

Note: All beneficiaries must first be added in-branch, after which you will be able to transact via FNB ATMs

or Cellphone Banking.

With MoneyGramTM from FNB, it is easier than ever to send and receive cash globally via FNB branches, ATMs and Cellphone Banking.

$0.01

$50.01

$100.01

$150.01

$200.01

$250.01

$300.01

$400.01

$500.01

$600.01

$700.01

$800.01

$900.01

$1 000.01

$1 200.01

$1 500.01

$1 800.01

$2 500.01

$5 000.01

$7 500.01

Send Amount (USD)

$50

$100

$150

$200

$250

$300

$400

$500

$600

$700

$800

$900

$1 000

$1 200

$1 500

$1 800

$2 500

$5 000

$7 500

$10 000

$7

$10

$11

$13

$15

$17

$19

$24

$29

$34

$39

$44

$49

$55

$63

$70

$90

$140

$240

$290

Pricing is set by MoneyGramTM and subject to change at their discretion.

From To Send Fee (USD)

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Card Purchase

Payment

The Small PrintImportant information about our products and prices

• FirstRand Bank Ltd reserves the right to change pricing and package pricing plans or introduce new fees

from time to time. We will give you at least 20 business days’ notice of these changes on the FNB website or

on FNB ATMs

• Errors and omissions excluded

• You must apply for each facility or product individually. The grant of any facility or product is subject to you

meeting the credit and qualifying criteria of that product or facility

• Each facility or product has a set of terms and conditions relevant to that facility or product. We agree these

terms and conditions with the applicant. If there is a conflict between product and facility specific terms

and conditions and what is outlined in this pricing guide, we will follow the normal terms and conditions

that apply to such a facility or product

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

• First National Bank, a division of FirstRand Bank Ltd, is an Authorised Financial Services Provider

Standard Terminology

To assist you in comparing FNB’s charges with those of other banks, we have, as far as possible, used

standardised terminology throughout this guide. This is in accordance with Section 13 of the Code of Banking

Practice (COBP). In the case where we have used FNB-specific terminology, we have added the table below

indicating the appropriate standardised terminology which may be used by other banks.

FNB Term (as per pricing guide) Standard Terminology

Card Transaction

Third Party Payment/Stop Order

The SmallPrint


SmartAccount

and IslamicSmart

Account



Account

Encore Cheque

Accounts




SavingsAccount

Introduction

Credit Card

MzansiAccount

Social Grant

StokvelAccount

Smart SaveAccount

eWallet

Home

MoneyGram™

Forex

GlobalAccounts

Easy AccountEasy

Account

Documents

FNB Pricing Guide