Pricing Guide FNB

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Pricing Guide FNB Powered By Docstoc
					                                     Index          Click below to go to the various sections
  Personal Banking
      Products       Enjoy VALUE     Introduction                                       1

  Pricing            added banking   Personal Cheque Account                            2
  Guide
  1 July 2012 to     INNOVATIONS.         Value Added Benefits & Rewards                3
  30 June 2013
                                          Pricing                                       7

                                     One Account                                       11

                                          Value Added Benefits & Rewards               11

                                          Pricing                                      14


 SELF-SERVICE                        FNB Savings Account                               17

 BANKING                             Encore Cheque Account                             19

                                     Life Start Student Account                        24

                                     Fluid Account                                     27

                          VALUE      eWallet from FNB                                  31

                                     Investment Products                               32

                                          Short-Term Deposit Accounts                  32
INNOVATION
                                          Notice Deposit Accounts                      37

                                          Flexi Fixed Deposit Accounts                 38

                                          Fixed Deposit Accounts                       39

                       REWARDS       Share Investing                                   40

                                     Credit Cards                                      42

                                     Retail Forex                                      48

                                     Home Loans                                        50

                                     Important Information                             51
Introduction                                                             Personal Cheque Account
The FNB Personal Banking Pricing Guide has been                          A Personal Cheque Account from FNB is designed for
designed to assist you in understanding your bank                        day-to-day use, giving you easy access to your cash and
charges, and to help you to make banking choices that                    helping you to manage your money.
best suit your lifestyle and budget. We believe in giving
you the choice of how you do your banking, so we do not                  There are four Pricing Options from which you can choose:
                                                                         (These are not available for business related use)
charge you any subscription fees for Online, Cellphone
and Telephone Banking or the FNB Banking App. This
means that you can choose to bank using the Internet,                    1. Unlimited Pricing Option
your cellphone, the telephone or your Smartphone or
Tablet - without worrying about additional subscription                  Who is this option for?
                                                                         This option is best for you if you want to know your fees up front and
fees before you even start transacting! The fees outlined                mainly transact through FNB’s electronic channels.
in this guide are FNB’s most common VAT inclusive
                                                                         How does this option work?
prices effective from 1 July 2012 to 30 June 2013.
                                                                         For a fixed fee per month, you get unlimited qualifying banking
                                                                         transactions, no matter how many you do. You also get 6 free
You can SAVE on your banking fees by following a few                     FNB ATM cash withdrawals per month. Additional FNB ATM cash
easy guidelines:                                                         withdrawals are charged at Pay-As-You-Use (PAYU) rates. Excluded
                                                                         are Branch, Cheque and other Banks’ ATM transactions as well as
•	 At VISA and VISA Electron enabled outlets, you should pay with
                                                                         special instructions and penalty fees which are charged for separately.
   your FNB Cheque Card, Credit or Debit Card rather than with a
   cheque or cash. It is safer, cheaper and more convenient
•	 Withdraw cash at till points or by using FNB ATMs instead of          2. Mobile Pricing Option
   using another Banks’ ATM where an additional fee applies
•	 Avoid going into an FNB Branch - use Online and Cellphone             Who is this option for?
   Banking, the FNB Banking App or FNB ATMs to make payments,            This option is best for you if you have taken up the FNB Smartphone,
   transfers or to check your balance                                    Tablet or Laptop offer and mainly transact through FNB’s electronic
•	 Use an FNB ATM to deposit your cash or alternatively ask others       channels.
   to deposit directly into your account by means of electronic
   funds transfer                                                        How does this option work?
•	 Make sure that there is enough money in your account to cover         For a fixed fee per month, you get unlimited qualifying banking
   all transactions. This way, you can always stay within your account   transactions, no matter how many you do. You also get 4 free
   limit and avoid penalty fees                                          FNB ATM cash withdrawals per month. Additional FNB ATM cash
                                                                         withdrawals are charged at Pay-As-You-Use (PAYU) rates. Excluded
Where can I find out more about Pricing Options and                      are Branch, Cheque and other Banks’ ATM transactions as well as
                                                                         special instructions and penalty fees which are charged for separately.
Banking Fees?

We have highlighted only the most common charges applicable to
                                                                         3. Pay-As-You-Use (PAYU) Pricing Option
our Personal Accounts. If you would like more information, need help
in choosing the most suitable pricing option for your banking needs,
                                                                         Who is this option for?
or have any questions on how to lower your bank charges, please call
                                                                         This option is for you if your transactions vary from month-to-month
the FNB Pricing Line on 0860 11 22 44, or you can use the Online         and you do a combination of electronic and manual transactions.
Fee Calculator on our website, www.fnb.co.za. Alternatively you can
visit your nearest FNB Branch for assistance.                            How does this option work?
                                                                         You are charged for each transaction at the applicable fee.

                                   1                                                                                  2       Back to Index >
4. Fee Saver Pricing Option                                                                                                                                           Platinum
                                                                                             Value Added            Smart Cheque           Gold, Islamic &
                                                                                                                                           Encore Cheque               Cheque
                                                                                            Benefit/ Reward           Account
Who is this option for?                                                                                                                       Account                 Account
This option is ideal for you if you are able to keep a minimum credit                      Free monthly data                              Get 2GB ADSL and        Get 3GB ADSL and
                                                                                                                  Get 1GB ADSL data
                                                                                           through FNB Connect                             50MB 3G data            100MB 3G data
balance of R9 000 in your account at ALL times.
                                                                                           SLOW Lounge
How does this option work?                                                                 access at domestic                 Exclusive to Platinum Cheque Cardholders
Should you choose this option and are able to maintain the R9 000                          airport terminals

balance throughout the month you will receive these monthly benefits:                      Premier Banker          Exclusive access to a team of Premier Bankers for Platinum clients

• No monthly account fee                                                                   Subscription Fees
                                                                                                                  Free access to Online, Cellphone and Telephone Banking as well as
                                                                                                                  the FNB Banking App for your day-to-day banking
• Unlimited qualifying electronic transactions                                                                    FNB’s free SMS and e-mail messaging service keeping you in
                                                                                           inContact
•			6	free FNB ATM cash withdrawals                                                                               touch with transactions on your account
                                                                                           Monthly e-mailed       Save fees and the environment by opting to have your monthly
•	 A combination of 5 free branch, cheque and telephone banking                            statements             statement e-mailed to you at no additional cost
    (consultant assisted) transactions (excluding all cash and cheque                                             Set up a monthly scheduled transfer to your linked Savings Pocket.
    deposits).                                                                             Savings Pocket         No fees are charged and the more you save, the better your
                                                                                                                  interest rate. Not available to Islamic Cheque Account holders
                                                                                                                  Automatically save your ‘left over cents’ when you make a purchase
Qualifying electronic transactions are indicated with ^ and                                                       using your FNB VISA Cheque Card. Your purchase is rounded to the
                                                                                           Bank Your Change
branch / cheque transactions as referred to above are indicated with                       (BYC)
                                                                                                                  nearest Rand and transferred to your Savings Pocket. Additional
#
  in the pricing tables. If you exceed these transaction limits or fail to                                        ‘Topup’ amounts of R2, R5, R10, R20 or R50 are available. Not
                                                                                                                  available to Islamic Cheque Account holders
maintain the minimum balance at ALL times throughout the month,
you will be charged for all transactions at the applicable Pay-As-You-                     * Terms and Conditions apply.
Use rates. In addition, if you do not keep the minimum credit balance
at ALL times, you will also be charged the monthly account fee. No
                                                                                           Rewards you can earn on your spending behaviour
credit interest is payable on this option.
                                                                                           •	 Get up to 15% back on your qualifying fuel purchases made with
Personal Cheque Value Added Benefits and Rewards                                              your FNB VISA Cheque Card OR up to 15% back on your qualifying
With your FNB Cheque Account, you benefit from a host of                                      airtime purchases made through FNB’s electronic channels.
rewards, designed especially for you. The sections below detail                               We maximise your rewards by rewarding you on the higher of
the rewards depending on the type of account you have with FNB.                               your qualifying fuel or airtime spend!
                                                                                           •	 Get up to 2.5% back in eBucks on all other qualifying Cheque Card
                                                 Gold, Islamic &         Platinum
   Value Added           Smart Cheque
                                                 Encore Cheque            Cheque              purchases.
  Benefit/ Reward          Account                  Account              Account
 FNB Fuel Rewards
 Earn Fuel Rewards          Get up to 15% back on your qualifying fuel purchases.          You simply need to :
 by purchasing fuel        You will be rewarded on the higher of your qualifying
 using your FNB VISA                   monthly fuel or airtime spend                       1. Meet all the qualifying criteria stated in the next table
 Cheque Card                                                                               2. Accumulate points in order to determine your earn level – based
 FNB Airtime
 Rewards                                                                                      on your banking behaviour and product holdings
 Earn Airtime Rewards      Get up to 15% back on your qualifying airtime purchases.
 by purchasing             You will be rewarded on the higher of your qualifying           3. Earn rewards which are calculated by applying the respective
 airtime through                       monthly fuel or airtime spend                          earn rate to your qualifying monthly spend.
 FNB’s electronic
 channels
 eBucks (eB)
 Rewards
 Earn even more
 with FNB's eBucks
 Rewards programme.
 You can spend your      Earn up to 0.8%          Earn up to 1.2%      Earn up to 2.5%
 eBucks earned at       back on qualifying       back on qualifying   back on qualifying
 any eBucks retail         Cheque Card              Cheque Card          Cheque Card
 partners, Online or        purchases                purchases            purchases
 through the eBucks
 Contact Centre*.
 Visit www.eBucks.com
 for more information
                         Get up to 40% off flights, gadgets, shopping vouchers, movies
                          and more when bought using your eBucks through eBucks
 eBucks Discounts
                           channels. Your reward level is determined by your banking
                                   behaviour and the FNB products you hold.

                                             3                                                                                       4                       Back to Index >
Please note that Reward rules have changed, effective 1 July 2012                                         FNB Connect Data

                                                             You need to do                               To qualify for your free data you simply need to meet the qualifying
                                                                                      How you can
                    Activity                                this to meet the                              criteria indicated in the next table. You will be notified by SMS when
                                                           qualifying criteria        earn points
                                                                                                          your data is available, which will be monthly in arrears,
 Have an active Cheque Account in good
 standing*                                                                                                in the first week of each calendar month.
 Have total monthly deposits of at least:
 • R2 000 - Smart and Encore Cheque Account
 • R5 500 - Gold and Islamic Cheque Account
 • R16 500 - Platinum Cheque Account                                                                             Cheque                                                                   Free
                                                                                                                                                 Qualifying Criteria
                                                                                                               Account Type                                                            Monthly Data
 Allow FNB to market to you, and update
 your contact details with a valid e-mail
 address and cellphone number at least
 once in a twelve month period                                                                                      Smart                                                                1GB ADSL
                                                                                                                                          Have an active Cheque Account in
 Be registered for inContact                                                                                                                       good standing*                        2GB ADSL
                                                                                                            Gold, Islamic & Encore
                                                                                                                                                                                         50MB 3G
 Transact via Online, Cellphone or Telephone                                                                                            Have total monthly deposits of at least:
 Banking or the FNB Banking App at least                                                                                                    R2 000 (Smart and Encore);
 once a month                                                                                                                                                                            3GB ADSL
                                                                                                                  Platinum                    R5 500 (Gold and Islamic)                 100MB 3G
 Ensure that the monthly value of your                                                                                                           R16 500 (Platinum)
 Cheque Card swipes exceeds the monthly
 value of your ATM cash withdrawals                                                                       * An account “in good standing” is one that is not overdrawn or in arrears, nor are you in
                                                                                                            debt counselling or any legal or collections process with FNB.
 Swipe your Cheque Card for purchases.
 (Please note that Debit and Petrol Card
 purchases do not qualify to earn rewards
 – including Debit and Petrol Cards linked to
 your Cheque Account)                                                                                     SLOW Lounge (Domestic)
 Use an Overdraft Facility, Temporary Loan or
 Revolving Loan**                                                                                         Platinum Cardholders enjoy exclusive access to SLOW Lounges,
 The more FNB products you have, the more                                                                 which can be found at the domestic terminals of O.R. Tambo, Cape
 points you get. Choose from a Smartphone/                                                                Town and King Shaka International airports.
 Tablet/Laptop**; Insurance product linked
 to your FNB Cheque Account (Optional
 Debt Protection, Smart Device Insurance**,                                                               Qualifying criteria and terms of usage are detailed in the table below.
 Roadside Assistance); Savings Pocket with
 Bank Your Change (BYC) and a balance
 greater than R2 000; a Multi-Currency                                                                                                SLOW Lounge - Qualifying Criteria
 Account**; an active Credit Card; and
 choose to receive your monthly statement                                                                  Active Cheque Account in good standing*
 via e-mail only
                                                                                                           Have total monthly deposits of at least R16 500 into your Cheque Account and spend
 Open a new Cheque Account or have your
                                                                                                           more than R5 000 on your Platinum Cheque Card in the month preceding your visit
 account open for three years or more
 Maintain a credit balance in your Cheque                                                                  Have a valid, personalised Platinum Cheque Card
 Account:                                                                                                  (Failing which, access to the SLOW Lounge will NOT be granted)
 • R500 - Smart Cheque Account
                                                                                                                                           You meet the Qualifying          You do NOT meet the
 • R1 000 - Gold, Islamic, Encore Cheque Account                                                           SLOW Lounge - Reward
 • R2 000 - Platinum Cheque Account                                                                                                        Criteria                         Qualifying Criteria

* An account “in good standing” is one that is not overdrawn or in arrears, nor are you in                                                 2 free SLOW Lounge               2 SLOW Lounge visits per
   debt counselling or any legal or collections process with FNB.                                                                          visits per month for the         month (charged at
                                                                                                           Peak time allocation
** Not available to Smart Cheque Account holders.                                                                                          cardholder only. No guest        R250 pp) for the cardholder
                                                                                                                                           visits                           only. No guest visits
                                                                                                                                           4 free SLOW Lounge               4 SLOW Lounge visits per
        Points Required for                          Fuel / Airtime                   eBucks               Off-peak time                   visits per month for the         month (charged at
           Reward Rate                               Rewards Rate                   Rewards Rate           allocation                      cardholder                       R250 pp) for the cardholder
                                                                                                                                           (including guests)               (including guests)
                                                           1.00%                        0.40%
                                                           2.50%                        0.60%              Note: Peak times are on Weekdays (Mon-Fri): 04h45-07h00 and 15h00-17h30 as well as
                                                                                                           on Sundays: 15h00 – 17h30. All entries are non-transferrable, with any additional entries
                                                                                   0.80% (Maximum
                                                                                                           (in excess of those mentioned above and where qualifying criteria have been met) being
                                                           5.00%                 rate for Smart Cheque
 Points are allocated for each of the                                                   Accounts)          charged at R250 per person (pp) during peak and at R125 (pp) during off-peak.
 activities mentioned above. The                                                   1.20% (Maximum         * An account “in good standing” is one that is not overdrawn or in arrears, nor are you in
 total points will then determine                                                rate for Gold, Islamic
 the rate at which you would earn                          7.50%                                            debt counselling or any legal or collections process with FNB.
                                                                                   & Encore Cheque
 rewards                                                                               Accounts)
                                                   10.00% (non-eBucks
                                                                                 2.50% (Maximum rate      For further details on your total points and rewards rate, visit
                                                        members)
                                                                                  for Platinum Cheque     www.fnb.co.za.
                                                     15.00% (eBucks
                                                                                        Accounts)
                                                      members only)
 Rewards will be allocated by the 8th of each month based on the previous calendar month.


                                                       5                                                                                                6                          Back to Index >
Personal Cheque Account Pricing
                                                                                                                     Other Transaction Fees Payable on this Pricing Option                                        Fee

                                                                                                                    Cash Withdrawals
1. Unlimited and Mobile Pricing Options                                                                             FNB Mini ATM                                                                            Unlimited
                                                                                                                    Other Banks’ Mini ATM                                                                     R7.00
You get unlimited qualifying transactions for a fixed fee per month.                                                International ATM*                                                                       R38.00
Qualifying transactions include:                                                                                    International Branch*                                                          R38.00 + 1.50% of value

	 •	Debit	Orders                                                                                                * International Commission and Conversion fee of 2.75% of the transaction value applies.
	 •	Card	Purchases	
	 •	Electronic	Prepaid	Purchases
                                                                                                                2. Pay-As-You-Use and Fee Saver Pricing Options
	 •	Electronic	Payments	and	Transfers
	 •	Cash@Till                                                                                                   •	 You are charged for each transaction at the applicable fee
                                                                                                                • Free qualifying transactions included if you are able to keep a
Electronic transactions above refer to transactions done via FNB
                                                                                                                   minimum credit balance of R9 000 in your account at ALL times
Online Banking, Cellphone Banking, FNB Banking App, Telephone
                                                                                                                   on the Fee Saver Pricing Option
Banking (IVR) and FNB ATMs .
                                                                                                                Fees that have not changed or have decreased are shown in orange.

                                                       Monthly Fees                                                                                                    Monthly Fees
                                                                     Gold & Islamic               Platinum                                                                          Gold & Islamic                Platinum
    Fee Description                           Smart Cheque                                                          Fee Description                          Smart Cheque
                                                                        Cheque                     Cheque                                                                              Cheque                      Cheque
    Monthly Account Fee*                                                                                            Monthly Account Fee*
    (Includes monthly VISA Cheque Card and       R79.00                   R97.00                  R120.00           (Includes monthly VISA Cheque Card and      R22.00                    R27.00                   R35.00
    Lost Card Protection fees)                                                                                      Lost Card Protection fees)

    Subscriptions to inContact,                                                                                     Minimum Credit Balance
    Online, Cellphone,                                                                                              for rebate on fees                          R9 000                    R9 000                   R9 000
                                                      Free                 Free                     Free            (Fee Saver only)
    Telephone Banking and the
    FNB Banking App                                                                                                 Subscriptions to inContact,
                                                                                                                    Online, Cellphone,
    Monthly Device Payment**                   Not applicable       Device dependent        Device dependent                                                     Free                      Free                     Free
                                                                                                                    Telephone Banking and the
    Petrol Card Fee                                                                                                 FNB Banking App
                                                  R12.50                  R12.50                   R12.50
    (Linked to Cheque Account)                                                                                      Monthly Device Payment
                                                                                                                                                             Not applicable        Device dependent         Device dependent
                                                                                                                    (Pay-As-You-Use only)**
*  An additional monthly Exchange Control Admin Fee of R13.00 for Non Resident Cheque
   Accounts applies.                                                                                                Petrol Card Fee                             R12.50                    R12.50                   R12.50
                                                                                                                    (Linked to Cheque Account)
** 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.                                            *  An additional monthly Exchange Control Admin Fee of R13.00 for Non Resident Cheque
                                                                                                                   Accounts applies.
                                                                                                                ** Only applicable if you have taken up the FNB Smartphone/Tablet/Laptop offer.
                                                   Transaction Fees                                                Refer to www.fnb.co.za for the monthly device payment applicable.


                                                                                                                                                                 Transaction Fees
                                                Card            Self-Service*      Telephone         Branch /
                                                                                   (Consultant)
                                                                                                     Cheque
    Card Purchases                           Unlimited**              -                 -                  -                                                    Card            Self-Service*      Telephone            Branch /
                                                                                                                                                                                                   (Consultant)
                                                                                                                                                                                                                        Cheque
    FNB Prepaid Purchases                         -             Unlimited***          R8.00                -
                                                                                                                    Card Purchases (local)                       Free                 -                 -                  -
                                                               Unlimited: 6             -
                                                              free per month                                        FNB Prepaid Purchases**                        -              R1.00^            R8.00#                 -
    FNB Cash Withdrawals                     Unlimited       Mobile: 4 free per                      R38.00 +       FNB Cash Withdrawals
                                                                                                                                                                R0.90^           R6.00 per                          R30.00# +
    (local)                                  (Cash@Till)     month. Thereafter                       1.35% of       (local)*** Fee Saver: if balance                            R500 or part            -            1.35% of
                                                             R6.00 per R500 or                         value        kept,	6	free per month thereafter         (Cash@Till)         thereof                              value
                                                              part thereof****                                      fee applies
                                                                                                                    Transfers                                     -               R3.30^           R27.50#              R30.00#
    Transfers                                     -               Unlimited         R34.00           R38.00
                                                                                                                    Payments                                      -               R7.00^           R27.50#              R30.00#
    Payments                                      -               Unlimited         R34.00           R38.00
                                                                                                                    Internal Debit Orders****                                             R3.50^
    Debit Orders                                                      Unlimited
                                                                                                                    External Debit Orders                                                 R15.00^
*    FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and                        *    FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and
     FNB ATMs.                                                                                                       FNB ATMs.
** International Commission and Conversion fee of 2.75% of the transaction value applies                        ** Prepaid Purchases at other Banks’ ATM charged at R7.00.
     for international purchases.                                                                               *** ATM Cash Withdrawals at other Banks’ ATM charged at R6.50	+	(R6.00	per	R500	or		
*** Prepaid Purchases at other Banks’ ATM charged at R7.00.                                                          part thereof, max R24.00) from the first withdrawal.
**** ATM Cash Withdrawals at other Banks’ ATM charged at R6.50	+	(R6.00	per	R500	or		                           **** Includes Debit Orders to Wesbank, FNB Credit Card, FNB Home Loans, FNB Loans and
     part thereof, max R24.00) from the first withdrawal.                                                            FNB Funeral Cover.
                                                                                                                ^ Free on Fee Saver if minimum credit balance is kept throughout the month.
                                                                                                                #
                                                                                                                     Limited to a combination of 5 free on Fee Saver if minimum balance is kept throughout
                                                                                                                     the month.

                                                              7                                                                                                             8                        Back to Index >
                                                                                                      Penalty Fees
    Other Transaction Fees Payable on this Pricing Option                           Fee
                                                                                                      Incidental Credit Fee (Charged per month in excess of your account
 Purchases                                                                                            limit, applies to accounts without credit facilities or with credit              R57.00
 International Card Purchases*                                                    R2.90^              agreements after 1 June 2007)
 Petrol Card Purchases                                                            R3.95^              Declined Transactions
 Cash Withdrawals                                                                                     FNB ATM (Insufficient Funds or Limit Exceeded)                                      Free
 FNB Mini ATM (per R500 or part thereof)                                          R2.90^              Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other
                                                                                                                                                                                        R6.50
                                                                                                      Banks’ ATM
 Other Banks’ Mini ATM (per R500 or part thereof)                                  R4.25
                                                                                                      Deposit of post-dated cheque (per cheque)                                        R80.00
 International ATM*                                                               R24.00
                                                                                                      Card Replacement Fee
                                                                             R24.00# + 1.50%          VISA Electron Debit Card                                                         R68.00
 International Branch*
                                                                                  of value
                                                                                                      FNB Petrol Card                                                                  R100.00
* International Commission and Conversion fee of 2.75% of the transaction value applies.
^ Free on Fee Saver if minimum credit balance is kept throughout the month.                           VISA Cheque Card / Chip & PIN Card                                               R100.00
# Limited to a combination of 5 free on Fee Saver if minimum balance is kept throughout               Credit Related Fees
  the month.                                                                                          Monthly Credit Service Fee (Charged only if the Overdraft is utilized
                                                                                                                                                                                       R28.50
                                                                                                      in excess of R200)
           Other transaction fees payable irrespective                                                Monthly Credit Fee (Revolving Loan)                                              R40.00
                                                                                     Fee
                  of the pricing option selected                                                      Incidental Credit Fee (Revolving Loan)                                           R57.00
 Payments                                                                                             Copies of Vouchers (Deposit Slips and Cheques)
 Bank Cheque                                                                       R70.00             Online Banking                                                                      Free
 Stop Payments                                                                                        Branch and Telephone Banking                                                  R20.00 per side
 Online Banking, Cellphone Banking and FNB Banking App                             R10.00             Cheque Book Fees
 Telephone Banking (consultant assisted)                                           R35.00             Pocket 40 Form                                                                   R35.00
 FNB Branch                                                                        R70.00
 Scheduled Payment Related Fees
 Establishment and Amendment Fees (Online Banking)                                   Free                     Convenience and Value Added Service Fees                              Fee
 Establishment Fee (FNB Branch)                                                    R12.00             Roadside Assistance (linked to Cheque Card - fee per month)                  R5.00
 Amendment Fee (FNB Branch)                                                         R9.00             LOTTO / PowerBall Purchase                                                   R1.50
 Deposits                                                                                             Pay & Clear Now (Online Banking, FNB Banking App and
                                                                                                                                                                                   R38.00
 Cheque Deposits                                                                                      FNB Branch: selected participating Banks only)
   FNB ATM and FNB Branch (per deposit)                                            R15.00                                                                              R4.00 + (R6.00 per R500 or
                                                                                                      Cardless Cash Withdrawal (Cellphone Banking)
                                                                                                                                                                        part thereof, max R24.00)
 Cash Deposits
                                                                                                      Send Money to an FNB eWallet
                                                                               0.70% of value,
   FNB ATM                                                                                            Value: R0.01 – R1 000.00                                                     R8.50
                                                                                 min R5.50
                                                                               1.35% of value,        Value: R1 000.01 – R1 500.00                                                 R12.50
   FNB Branch
                                                                                 min R20.00           Additional Statements (fee per month)                               Paper             Online
 ENC Upliftment Fee and Special Clearance                                          R75.00             Daily                                                               R75.00            R42.00
 Balance Enquiries                                                                                    Weekly                                                              R30.00            R19.00
 FNB Online Banking, Cellphone Banking, Telephone Banking (IVR),                                      Twice Monthly                                                       R15.00            R10.50
                                                                                     Free
 FNB Banking App and FNB ATMs                                                                         Balance Alerts (fee per month)
 Other Banks’ ATM                                                                   R3.95             Monthly                                                                      R0.90
 Point-of-Sale                                                                      R1.35             Weekly                                                                       R2.95
 International Point-of-Sale                                                        R2.50             Daily                                                                       R14.80
 Branch and Telephone Banking (consultant assisted)                                 R3.95             Electronic Subscription Services (fee per month)
 Statements                                                                                           My Limit Alert                                                               R2.95
 Posted/Printed statement                                                     R10.50 per statement    Scheduled Payment Alert                                                      R2.75
 Current month e-mailed statement                                                    Free             Payment Notifications
 First official monthly statement collected at an FNB Branch                         Free             E-mail                                                                       R0.68
 FNB ATM Mini Statement (print or view)                                             R2.80             SMS                                                                          R1.05
 Bank Statement Exchange Fee                                                  R5.50 per statement     Fax                                                                          R4.85
 e-Mailing of historical statements (older than 3 months) - Online Banking    R5.50 per statement     Other Fees
 e-Mailing of historical statements (older than 3 months) - Branch                                    Card Courier Fee (free for Platinum Cheque Cardholders)                     R120.00
                                                                              R9.90 per statement
 and Telephone Banking                                                                                Smartphone/Tablet/Laptop Courier Fee                                        R150.00
 Provisional Statement (Branch and Telephone Banking)                           R9.90 per page        Online Banking Password Reset (consultant assisted)                         R50.00
 Penalty Fees                                                                                         Online Banking Account Verification                                          R3.90
                                                                             R60.00 (R138.00          Online Banking Payment History (older than 3 months)                         R3.90
                                                                             per item for the 4th
 Unpaid Cheques / Debit Orders (per item)
                                                                             & subsequent items
                                                                             within 12 months)
                                                                                                     For any fee or FNB Personal Cheque Account queries please call
                                                                              R95.00 (R120.00
 Honouring Fee (Charged per item in excess of your account limit on          per item for the 4th    0860 11 22 44.
 accounts with credit agreements before 1 June 2007)                         & subsequent items
                                                                             within 12 months)

                                                  9                                                                                                10                         Back to Index >
One Account                                                                    Value Added Benefit/ Reward

                                                                                      FNB Fuel Rewards
                                                                                                                                       One Account

                                                                                                                            Get up to 15% back on qualifying fuel
                                                                          Earn Fuel Rewards by purchasing fuel using        purchases. You will be rewarded on
                                                                         your FNB VISA Cheque Card and by adapting         the higher of your qualifying fuel or
                                                                                    your banking behaviour                             airtime spend
This single facility, secured by your home, has all the                              FNB Airtime Rewards
                                                                                                                            Get up to 15% back on your qualifying
                                                                                                                          airtime purchases. You will be rewarded
                                                                          Earn Airtime Rewards by purchasing airtime
functions of a Cheque Account, Overdraft, Personal Loan                       through FNB’s electronic channels.
                                                                                                                          on the higher of your qualifying fuel or
                                                                                                                                       airtime spend
and Home Loan. It’s convenient and more affordable than                             eBucks (eB) Rewards
                                                                          Earn even more with FNB’s eBucks rewards
having to manage and pay fees on multiple accounts.                         programme. You can spend your eBucks             Earn up to 2.5% back on qualifying
                                                                          earned at any eBucks retail partners, Online             Cheque Card purchases
                                                                            or through the eBucks Contact Centre*
                                                                          Visit www.eBucks.com for more information
                                                                                                                              Get up to 40% off flights, gadgets,
There are two pricing options available for this account:                                                                 shopping vouchers, movies and more when
(These are not available for business related use)                                   eBucks Discounts                     bought using your eBucks through eBucks
                                                                                                                           channels. Your reward level is determined
                                                                                                                            by your banking behaviour and the FNB
                                                                                                                                      products you hold

1. Unlimited Pricing Option                                                Free monthly data through FNB Connect             Get 3GB ADSL and 100MB 3G data
                                                                                                                               Exclusive to Platinum Cheque
                                                                              SLOW Lounge access at domestic
Who is this option for?                                                              airport terminals
                                                                                                                          Cardholders. Refer to ‘SLOW Lounge’ in the
                                                                                                                             Personal Cheque section for details
This option is best for you if you want to know your fees up front and
                                                                                                                            Exclusive access to a team of Premier
                                                                                       Premier Banker
mainly transact through FNB’s electronic channels.                                                                               Bankers for Platinum Clients
                                                                                                                            Free access to Online, Cellphone and
                                                                                     Subscription Fees
                                                                                                                                    Telephone Banking
How does this option work?
                                                                                                                            FNB’s free SMS and e-mail messaging
For a fixed fee per month, you get unlimited qualifying banking                           inContact                           service keeping you in touch with
transactions, no matter how many you do. You also get 6 free                                                                    transactions on your account
                                                                                                                           Help save the environment by opting to
FNB ATM cash withdrawals per month. Additional FNB ATM cash                   Monthly e-mailed statements                 have your monthly statement e-mailed to
withdrawals are charged for. Excluded are Branch, Cheque and other                                                                you, at no additional cost

Banks’ ATM transactions as well as special instructions and penalty      * Terms and Conditions apply.
fees which are charged for separately.

                                                                         Rewards you can earn on your spending behaviour
2. Mobile Pricing Option
                                                                         •	 Get up to 15% back on your qualifying fuel purchases made with
Who is this option for?                                                     your FNB VISA Cheque Card OR up to 15% back on your qualifying
This option is best for you if you have taken up the FNB Smartphone/        airtime purchases made through FNB’s electronic channels.
Tablet/Laptop offer and mainly transact through FNB’s electronic            We maximise your rewards by rewarding you on the higher of
channels.                                                                   your qualifying fuel or airtime spend!
                                                                         •	 Get up to 2.5% back in eBucks on all other qualifying Cheque
How does this option work?                                                  Card purchases.
For a fixed fee per month, you get unlimited qualifying banking
transactions, no matter how many you do. You also get 4 free             You simply need to :
FNB ATM cash withdrawals per month. Additional FNB ATM cash              1. Meet all of the qualifying criteria stated in the table that follows;
withdrawals are charged for. Excluded are Branch, Cheque and other       2. Accumulate points in order to determine your earn level – based
Banks’ ATM transactions as well as special instructions and penalty         on your banking behaviour and product holdings;
fees which are charged for separately.                                   3. Earn rewards which are calculated by applying the respective
                                                                            earn level rate to your qualifying monthly spend.

One Account Value Added Benefits and Rewards
                                                                         Please note that rewards have changed, effective 1 July 2012.
                                                                         See the next table for the updated qualifying criteria and points
With your FNB One Account, you benefit from a host of rewards,
                                                                         allocation for eBucks and Fuel OR Airtime Rewards on your One
designed especially for you! The sections to follow detail the rewards
                                                                         Account.
on your account:

                                              11                                                                     12                         Back to Index >
                                                             You need to do        How you    One Account Pricing
                       Activity                             this to meet the       can earn
                                                           qualifying criteria      points

 Have an active One Account in good standing*
                                                                                              Fees that have not changed or have decreased are shown in orange.
 Have total monthly deposits of at least R16 500
 into your One Account**                                                                                                                           Monthly Fees

 Allow FNB to market to you, and update your contact                                              Monthly Account Fee (Includes monthly VISA Cheque Card and Lost Card Protection fees)                  R100.00
 details with a valid e-mail address and cellphone
 number at least once in a twelve month period                                                    Monthly Service Fee                                                                                    R175.00
 Be registered for inContact                                                                      Petrol Card Fee (Linked to Cheque Account)                                                             R12.50

 Transact via Online, Cellphone or Telephone Banking,                                             Subscriptions to inContact, Online, Cellphone, Telephone Banking
                                                                                                                                                                                                          Free
 or the FNB Banking App at least once a month                                                     and FNB Banking App
 Ensure that the monthly value of your Cheque Card                                                Monthly Device Payment*                                                                       Device dependent
 swipes exceeds the monthly value of your ATM cash
 withdrawals                                                                                  * Only applicable if you have taken up the FNB Smartphone /Tablet/Laptop offer.
 Receive your One Account statements via e-mail only                                            Refer to www.fnb.co.za for the monthly device payment applicable.
 Have active FNB Cheque Cards only (not Debit
 Cards) linked to your One Account
 Swipe your Cheque Card for purchases.                                                                                                           Transaction Fees
 (Please note that Debit and Petrol Card purchases
 do not qualify to earn rewards – including Debit and
 Petrol Cards linked to your Cheque Account)
                                                                                                                                          Card              Self-Service*             Telephone             Branch /
 Have your account open for three years or more                                                                                                                                           (Consultant)
                                                                                                                                                                                                            Cheque
 Maintain an active FNB Credit Card
                                                                                              Card Purchases                         Unlimited**                     -                         -                   -
 Keep a balance of R10 000 or more in an FNB
 Investment Account                                                                           FNB Prepaid Purchases                          -                Unlimited***                 R8.00                   -
 Have a Smartphone/Tablet/Laptop through FNB                                                                                                                Unlimited:
                                                                                                                                                         6 free per month.                                  R38.00 +
 Ensure that your One Account has not been in
 arrears three months preceding the month in which                                            FNB Cash Withdrawals                    Unlimited          Mobile: 4 free per                    _            1.35% of
 the points are allocated                                                                     (local)                                 (Cash@Till)        month. Thereafter,                                   value
                                                                                                                                                         R6.00 per R500 or
 New FNB customers will receive a joining bonus in                                                                                                        part thereof****
 the month that your initial bond is registered in the
 Deeds Office. This is a once off bonus                                                           Payments                                   -                 Unlimited                  R34.00             R38.00
* An account “in good standing” is one that is not overdrawn or in arrears, nor are you in        Transfers                                  -                 Unlimited                  R34.00             R38.00
   debt counselling or any legal or collections process with FNB.
** For One Accounts opened prior to November 2008, a minimum monthly deposit of R7500             Debit Orders                                                           Unlimited
   is required. All qualifying critieria must be met. Only eBucks rewards can be earned.
                                                                                              *    FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and
                                                                                                   FNB ATMs.
                                                      Fuel / Airtime           eBucks         ** International Commission and Conversion fee of 2.75% of the transaction value applies
    Points Required for Reward Rate                   Rewards Rate           Rewards Rate          for international purchases.
                                                                                              *** Prepaid Purchases at other Banks’ ATM charged at R7.00.
                                                         1.00%                   0.40%        **** ATM Cash Withdrawals at other Banks’ ATM charged at R6.50	+	(R6.00	per	R500	or		
                                                                                                   part thereof, max R24.00) from the first withdrawal.
                                                         2.50%                   0.60%
 Points are allocated for each of the                    5.00%                   0.80%
 activities mentioned above. The total points            7.50%                   1.20%                                 Other Transaction Fees Payable                                                      Fee
 will then determine the rate at which you
 would earn rewards.                                   10.00% (non-                               Cash Withdrawals
                                                     eBucks members)
                                                                                 2.50%            FNB Mini ATM                                                                                       Unlimited
                                                      15.00% (eBucks
                                                       members only)                              Other Banks’ Mini ATM                                                                                   R7.00
 Rewards will be allocated by the 8th of each month based on the previous calendar month.         International ATM*                                                                                      R38.00
 For further details on your total points and rewards rate, visit www.fnb.co.za                                                                                                                    R38.00 + 1.50%
                                                                                                  International Branch*
                                                                                                                                                                                                       of value
                                                                                                  Payments
FNB Connect Data                                                                                  Bank Cheque                                                                                             R70.00
                                                                                                  Stop Payments
To qualify for your free data you need to meet the qualifying criteria.                              Online Banking, Cellphone Banking and FNB Banking App                                               R10.00
You will be notified by SMS when your data is available, which will be                               Telephone Banking (consultant assisted)                                                             R35.00
monthly in arrears, in the first week of each calendar month.                                        FNB Branch                                                                                           R70.00

                     Qualifying Criteria                               Free Monthly Data      * International Commission and Conversion fee of 2.75% of the transaction value applies.

To qualify for your free ADSL & 3G data you need to meet
all the qualifying criteria for eBucks and Fuel / Airtime                 3GB ADSL
Rewards. Refer to the two previous tables. FNB Connect                    100MB 3G
terms and conditions apply.

                                                13                                                                                                       14                               Back to Index >
Scheduled Payment Related Fees                                                                     Cheque Book Fees
Establishment and Amendment Fees (Online Banking)                                  Free            Pocket 40 Form                                                        R35.00
Establishment Fee (FNB Branch)                                                    R12.00           Copies of Vouchers (Deposit Slips and Cheques)
Amendment Fee (FNB Branch)                                                        R9.00            Online Banking                                                         Free
Deposits                                                                                           Branch and Telephone Banking                                       R20.00 per side
Cheque Deposits                                                                                    Loan-Related Fees
  FNB ATM and FNB Branch (per deposit)                                            R15.00           Initiation Fee (Once-off)                                           R5 700.00
Cash Deposits                                                                                      Re-instatement Fee                                                   R285.00
                                                                             0.70% of value,
  FNB ATM                                                                                          Future Use Withdrawal Fee                                           R1 250.00
                                                                               min R5.50
                                                                                                   Valuation / Revaluation Fee                                         R1 250.00
                                                                             1.35% of value,
  FNB Branch
                                                                               min R20.00                                                                           Levied when Home
                                                                                                                                                                     Loan is cancelled
ENC Upliftment Fee and Special Clearance                                          R75.00
                                                                                                                                                                  without giving 90 days
Balance Enquiries                                                                                                                                                 notice. Fee is based on
                                                                                                   Early Settlement Fee
                                                                                                                                                                   outstanding balance
FNB Online Banking, Cellphone Banking, Telephone Banking (IVR),                                                                                                    of loan, your interest
                                                                                   Free
FNB Banking App and FNB ATMs                                                                                                                                        rate and remaining
Other Banks’ ATM                                                                  R3.95                                                                                  loan term.

Point-of-Sale                                                                     R1.35
International Point-of-Sale                                                       R2.50
                                                                                                             Convenience and Value Added Service Fees                        Fee
Branch and Telephone Banking (consultant assisted)                                R3.95
Statements                                                                                         Roadside Assistance (linked to Cheque Card - fee per month)            R5.00
Posted/Printed statement                                                    R10.50 per statement   LOTTO / PowerBall Purchase                                               R1.50
                                                                                                   Pay & Clear Now (Online Banking, FNB Banking App and FNB
Current month e-mailed statement                                                   Free                                                                                   R38.00
                                                                                                   Branch: selected participating Banks only)
First official monthly statement collected at an FNB Branch                        Free                                                                             R4.00+(R6.00 per
FNB ATM Mini Statement (print or view)                                            R2.80            Cardless Cash Withdrawal (Cellphone Banking)                    R500 or part thereof,
                                                                                                                                                                      max R24.00)
Bank Statement Exchange Fee                                                 R5.50 per statement
                                                                                                   Send Money to an FNB eWallet
e-Mailing of historical statements (older than 3 months) - Online Banking   R5.50 per statement    Value: R0.01 – R1 000.00                                               R8.50
e-Mailing of historical statements (older than 3 months) - Branch                                  Value: R1 000.01 – R1 500.00                                           R12.50
                                                                             R9.90 per statement
and Telephone Banking
                                                                                                   Additional Statements (fee per month)                            Paper          Online
Provisional Statement (Branch and Telephone Banking)                           R9.90 per page      Daily                                                            R75.00     R42.00
Penalty Fees                                                                                       Weekly                                                           R30.00     R19.00
                                                                                 R60.00            Twice Monthly                                                    R15.00     R10.50
                                                                              (R138.00 per         Balance Alerts (fee per month)
Unpaid Cheques / Debit Orders (per item)                                    item for the 4th &
                                                                            subsequent items       Monthly                                                                R0.90
                                                                            within 12 months)      Weekly                                                                 R2.95
                                                                                  R95.00           Daily                                                                 R14.80
                                                                              (R120.00 per
Honouring Fee (Charged per item in excess of your account limit on                                 Electronic Subscription Services (fee per month)
                                                                            item for the 4th &
accounts with credit agreements before 1 June 2007)
                                                                            subsequent items       My Limit Alert                                                         R2.95
                                                                            within 12 months)
                                                                                                   Scheduled Payment Alert                                                R2.75
Incidental Credit Fee (Charged per month in excess of your account
limit, applies to accounts without credit facilities or with credit              R57.00            Payment Notifications
agreements after 1 June 2007)
                                                                                                   E-mail                                                                 R0.68
Declined Transactions
                                                                                                   SMS                                                                    R1.05
FNB ATM (Insufficient Funds or Limit Exceeded)                                     Free
Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other                                        Fax                                                                    R4.85
                                                                                  R6.50
Banks’ ATM                                                                                         Other Fees
Deposit of post-dated cheque (per cheque)                                         R80.00           Card Courier Fee (free for Platinum Cheque Cardholders)               R120.00
Card Replacement Fee
                                                                                                   Smartphone/Tablet/Laptop Courier Fee                                  R150.00
VISA Electron Debit Card                                                          R68.00
                                                                                                   Online Banking Password Reset (consultant assisted)                   R50.00
FNB Petrol Card                                                                  R100.00
VISA Cheque Card / Chip & PIN Card                                               R100.00           Online Banking Account Verification                                    R3.90
Credit Related Fees                                                                                Online Banking Payment History (older than 3 months)                   R3.90
Monthly Credit Service Fee (Charged only if the Overdraft is utilized
                                                                                  R28.50
in excess of R200)
Monthly Credit Fee (Revolving Loan)                                              R40.00            For any fee or FNB One Account queries please call
Incidental Credit Fee (Revolving Loan)                                           R57.00            0860 FNB ONE (362 663).

                                                 15                                                                                         16                   Back to Index >
FNB Savings Account                                                                                                         Other Fees                        Fee

                                                                                                   Cash Withdrawals
                                                                                                   FNB Mini ATM (per R500 or part thereof)                   R5.00
                                                                                                                                                       R6.50 + FNB ATM
The FNB Savings Account is a flexible savings account                                              Other Banks’ ATM
                                                                                                                                                             Fee
that allows you to save while giving you easy access to                                            Deposits

your money.                                                                                        Cheque Deposits
                                                                                                     FNB ATM and FNB Branch (per deposit)                   R15.00
                                                                                                   Cash Deposits
Who is this product for?
                                                                                                                                                       0.70% of value, min
The product is ideal for you if you are looking for a savings account                                FNB ATM
                                                                                                                                                            R5.50
and can maintain a balance of at least R2 000.                                                                                                         1.35% of value, min
                                                                                                     FNB Branch
                                                                                                                                                            R20.00

How do I get a rebate on my banking fees?                                                          ENC Upliftment Fee and Special Clearance                 R75.00

You will not pay the monthly account fee if you maintain a balance of
                                                                                                   Any other fees not specifically mentioned above are charged at the
at least R2 000 in your FNB Savings Account at all times.
                                                                                                   same rates as Personal Cheque Account Pay-As-You-Use fees (pg 8).
What other benefits will I receive on my FNB Savings Account?
•	 Free Cheque and Debit Card Purchases                                                            For any fee or FNB Savings Account queries please call
•	 You	can	earn	attractive interest rates on your savings balance                                  0860 11 22 44.
•	 Free monthly e-mailed statements
•	 No Subscription Fees for Online, Cellphone, Telephone Banking and
   the FNB Banking App
•	 Free inContact


FNB Savings Account Pricing

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

                                           Monthly Fees

    Account balance of R2 000 +                                                       Free
    Account balance below R2 000                                                      R5.50



                                       Transaction Fees



                                    Card          Self-Service*        Telephone        Branch /
                                                                       (Consultant)
                                                                                        Cheque
    Card Purchases                 Free**                 -                 -                 -
    FNB Prepaid Purchases             -               R1.00             R8.00                 -

                                    R1.00       R10.00 per R500
    FNB Cash Withdrawals                                                    -            R30.00
                                  (Cash@Till)   or part thereof, max
    (local)
                                                     R40.00***
    Transfers                          -              R5.00             R27.50           R30.00
    Payments                           -             R10.00             R27.50           R30.00
    Internal Debit Orders****                                 R5.00
    External Debit Orders                                     R15.00

*    FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and
     FNB ATMs.
** International Commission and Conversion fee of 2.75% of the transaction value
     applies for international purchases.
*** Prepaid Purchases at other Banks’ ATM charged at R7.00.
**** Includes Debit Orders to Wesbank, FNB Credit Card, FNB Home Loans, FNB Loans and
     FNB Funeral Cover.

                                                17                                                                                            18     Back to Index >
Encore Cheque Account                                                    withdrawals are charged for. Excluded are Branch transactions,
                                                                         Cheque and other Banks’ ATM transactions as well as special
                                                                         instructions and penalty fees which are charged for separately.

What benefits will I receive on my FNB Encore Cheque Account
                                                                         3. Mobile Pricing Option
(designed for customers aged 55 and older)?

Please see ‘Personal Cheque Value Added Benefits and Rewards’ in         Who is this option for?
the Personal Cheque Account section. You also get:                       This option is best for you if you have taken up the FNB Smartphone/
•	 Preferential interest rates on the Savings Pocket linked to your      Tablet/Laptop offer and mainly transact through FNB’s electronic
   FNB Encore Cheque Account (No fees are charged on your Savings        channels.
   Pocket and the more you save, the better your interest rate)
•	 50% discount on the FNB Credit Card Monthly / Annual Card fee         How does this option work?
                                                                         For a fixed fee per month, you get unlimited qualifying banking
   (including Petro Card). FNB Credit Card Terms and Conditions apply.
                                                                         transactions, no matter how many you do. You also get 4 free
                                                                         FNB ATM cash withdrawals per month. Additional FNB ATM cash
There are three pricing options available to Encore customers:           withdrawals are charged for. Excluded are Branch transactions,
(These are not available for business related use)                       Cheque and other Banks’ ATM transactions as well as special
                                                                         instructions and penalty fees which are charged for separately.
1. Standard Encore Pricing Option

Who is this option for?
                                                                         Encore Account Pricing
This option is ideal if you are able to maintain a specified credit
balance at all times.                                                    1. Standard Pricing Option

How does this option work?                                               Fees that have not changed or have decreased are shown in orange.
Cheque Balance Option: you will not pay the monthly account
                                                                                                                                     Monthly Fees
fee if you are able to maintain at least R5 000 in your Encore
                                                                             Monthly Account Fee
Account throughout the month. This option includes unlimited                 (Includes Monthly VISA Cheque Card Fee and Lost Card Protection fees)
                                                                                                                                                                        R97.00

qualifying electronic transactions, 6 free FNB ATM cash withdrawals                                                                                          Cheque Balance Option: R5 000
                                                                             Minimum Balance for Rebate on Monthly Account Fee
and a combination of 3 free branch, cheque and telephone banking                                                                                             Savings Pocket Option: R10 000
                                                                             Subscriptions to inContact, Online, Cellphone and
(consultant assisted) transactions (excluding all cash and cheque            Telephone Banking and the FNB Banking App
                                                                                                                                                                         Free
deposits) per month.                                                         Monthly Petrol Card Fee (Linked to Encore Cheque Account)                                  R12.50


Pocket Savings Option: you will not pay the monthly account fee
if you pledge at least R10 000 in your Savings Pocket linked to your                                                              Transaction Fees

Encore Account. This option includes unlimited qualifying electronic
transactions, 6 free FNB ATM cash withdrawals and a combination of                                                         Card                  Self-Service*         Telephone Branch /
                                                                                                                                                                        (Consultant)
3 free branch, cheque and telephone banking (consultant assisted)                                                                                                                    Cheque

transactions (excluding all cash and cheque deposits) per month.             Card Purchases                          Unlimited**                         -                 -          -
                                                                             FNB Prepaid Purchases                            -                  Unlimited***            R8.00        -
                                                                                                                                             6 free per month.                    R19.50 +
                                                                             FNB Cash                                 Unlimited
                                                                                                                                            Thereafter, R6.00 per                 1.35% of
2. Unlimited Pricing Option                                                  Withdrawals (local)                      (Cash@Till)
                                                                                                                                           R500 or part thereof****
                                                                                                                                                                           -
                                                                                                                                                                                   value#
                                                                             Transfers                                        -                      Unlimited          R11.50#    R19.50#
Who is this option for?
                                                                             Payments                                         -                      Unlimited          R11.50#    R19.50#
This option is best for you if you want to know your fees up front and       Debit Orders                                                                Unlimited
mainly transact through FNB’s electronic channels.
                                                                         *    FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and
                                                                              FNB ATMs.
                                                                         ** International Commission and Conversion fee of 2.75% of the transaction value applies
How does this option work?                                                    for international purchases.
For a fixed fee per month, you get unlimited qualifying banking          *** Prepaid Purchases at other Banks’ ATM charged at R7.00.
                                                                         **** ATM Cash Withdrawals at other Banks’ ATM charged at R6.50	+	(R6.00	per	R500	or		
transactions, no matter how many you do. You also get 6 free FNB         #
                                                                              part thereof, max R24.00) from the first withdrawal.
                                                                              Free if transaction is within the combined limit of first 3 branch and cheque transactions
ATM cash withdrawals per month. Additional FNB ATM cash                       per month.

                                              19                                                                                            20                         Back to Index >
     Other Transaction Fees Payable on this Pricing Option                                              Fee                Fees applicable irrespective of pricing option selected                   Fee

    Cash Withdrawals                                                                                                      Payments
    FNB Mini ATM (per R500 or part thereof)                                                        Unlimited              Bank Cheque                                                              R70.00
    Other Banks’ Mini ATM (per R500 or part thereof)                                                  R4.25               Stop Payments
                                                                                                                            Online Banking, Cellphone Banking and FNB Banking App                 R10.00
    International ATM*                                                                                R19.50
                                                                                                                            Telephone Banking (consultant assisted)                               R35.00
    International Branch*                                                                  R19.50 + 1.50% of value
                                                                                                                            FNB Branch                                                             R70.00
* International Commission and Conversion fee of 2.75% of the transaction value applies.                                  Scheduled Payment Related Fees
                                                                                                                          Establishment and Amendment Fees                                          Free
                                                                                                                          Card Purchases
                                                                                                                          International Cheque and Debit Card Purchases*                        Unlimited
2. Unlimited / Mobile Pricing Options                                                                                     Petrol Card Purchases                                                 Unlimited
                                                                                                                          Deposits
Fees that have not changed or have decreased are shown in orange.                                                         Cheque Deposits
                                                                                                                            FNB ATM and FNB Branch (per deposit)                                   R15.00
                                                        Monthly Fees                                                      Cash Deposits
    Monthly Account Fee (Includes Monthly VISA Cheque Card Fee and Lost Card Protection fees)            R85.00             FNB ATM                                                      0.70% of value, min R5.50
                                                                                                                            FNB Branch                                                   1.35% of value, min R14.00
    Subscriptions to inContact, Online, Cellphone and Telephone
    Banking and the FNB Banking App
                                                                                                         Free             ENC Upliftment Fee and Special Clearance                                 R75.00
    Monthly Device Payment*                                                                       Device Dependent        Balance Enquiries
                                                                                                                          FNB Online Banking, Cellphone Banking, Telephone Banking
    Monthly Petrol Card Fee (Linked to Encore Cheque Account)                                            R12.50                                                                                     Free
                                                                                                                          (IVR), FNB Banking App and FNB ATMs
* Only applicable if you have taken up the FNB Smartphone/Tablet/Laptop offer.                                            Other Banks’ ATM                                                         R3.95
  Refer to www.fnb.co.za for the monthly device payment applicable.                                                       Point-of-Sale                                                         Unlimited
                                                                                                                          International Point-of-Sale                                           Unlimited
                                                      Transaction Fees                                                    Branch and Telephone Banking (consultant assisted)                       R3.95
                                                                                                                          Statements
                                                                                                                          Official Monthly Statement                                                Free
                                               Card               Self-Service*             Telephone Branch /            Cellphone Banking Mini Statement                                          Free
                                                                                             (Consultant)
                                                                                                          Cheque          FNB ATM Mini Statement (view or print)                                   R2.80
    Card Purchases                       Unlimited**                       -                      -               -       Bank Statement Exchange Fee                                        R5.50 per statement
    FNB Prepaid Purchases                         -               Unlimited***                  R8.00             -       e-Mailing of historical statements (older than
                                                                                                                                                                                             R5.50 per statement
    FNB Cash                               Unlimited           Unlimited: 6 free                  -           R38.00      3 months) - Online Banking
    Withdrawals (local)                    (Cash@Till)             per month                                  + 1.35%     e-Mailing of historical statement (older than
                                                               Mobile: 4 free per                             of value                                                                        R9.90 per statement
                                                                                                                          3 months - Branch and Telephone Banking)
                                                               month. Thereafter
                                                               R6.00 per R500 or                                          Provisional Statement (Branch and Telephone Banking)                  R9.90 per page
                                                                part thereof****                                          Penalty Fees
    Transfers                                     -                  Unlimited                  R34.00        R38.00                                                                     R60.00 (R138.00 per item
                                                                                                                          Unpaid Cheques / Debit Orders (per item)                        for the 4th & subsequent
    Payments                                      -                  Unlimited                  R34.00        R38.00
                                                                                                                                                                                          items within 12 months)
    Debit Orders                                                           Unlimited                                      Honouring Fee (Charged per item in excess of your account      R95.00 (R120.00 per item
                                                                                                                          limit on accounts with credit agreements before 1 June          for the 4th & subsequent
*    FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and                                  2007)                                                           items within 12 months)
     FNB ATMs.
** International Commission and Conversion fee of 2.75% of the transaction value applies                                  Incidental Credit Fee (Charged per month if you exceed your
                                                                                                                                                                                                  R57.00
     for international purchases.                                                                                         account limit)
*** Prepaid Purchases at other Banks’ ATM charged at R7.00.                                                               Declined Transactions
**** ATM Cash Withdrawals at other Banks’ ATM charged at R6.50	+	(R6.00	per	R500	or		
     part thereof, max R24.00) from the first withdrawal.                                                                 FNB ATM (Insufficient Funds or Limit Exceeded)                            Free
                                                                                                                          Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other
                                                                                                                                                                                                   R6.50
                                                                                                                          Banks’ ATM
     Other Transaction Fees Payable on this Pricing Option                                              Fee               Deposit of post-dated-cheque (per cheque)                                R80.00
    Cash Withdrawals                                                                                                      Card Replacement Fee
    FNB Mini ATM                                                                                   Unlimited              VISA Electron Debit Card                                                 R68.00
    Other Banks’ Mini ATM                                                                             R7.00               FNB Petrol Card                                                         R100.00
    International ATM*                                                                                R38.00              VISA Cheque Card/ Chip & PIN Card                                       R100.00
    International Branch*                                                                 R38.00 + 1.50% of value         Credit Related Fees
                                                                                                                          Monthly Credit Service Fee (charged only if the Overdraft is
* International Commission and Conversion fee of 2.75% of the transaction value applies.                                                                                                           R28.50
                                                                                                                          utilized in excess of R200)
                                                                                                                          Monthly Credit Fee (Revolving Loan)                                     R40.00
                                                                                                                          Incidental Credit Fee (Revolving Loan)                                  R57.00

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

                                                                21                                                                                                    22                   Back to Index >
      Fees applicable irrespective of pricing option selected

 Copies of Vouchers (Deposit Slips and Cheques)
                                                                                Fee
                                                                                           Life Start Student Account -
 Online Banking
 Branch and Telephone Banking
                                                                             Free
                                                                         R20.00 per side
                                                                                           For Registered Students
 Cheque Book Fees
 Pocket 40 Form                                                             R35.00

                                                                                           The Life Start Student Account is available to registered
       Convenience and Value Added Service Fees                           Fee              full time students aged 18 to 25. At FNB we believe that
Roadside Assistance (linked to Cheque Card - fee per month)              R5.00             as a student, managing your cash and finances should
LOTTO / PowerBall Purchase                                               R1.50
                                                                                           be the least of your worries. That is why FNB offers you
Pay & Clear Now (Online Banking, FNB Banking App and
FNB Branch: selected participating Banks only)
                                                                         R38.00
                                                                                           hassle-free student money management and you do not
                                                              R4.00 + (R6.00 per R500 or
Cardless Cash Withdrawal (Cellphone Banking)
                                                               part thereof, max R24.00)   need to worry about expensive bank charges.
Send Money to an FNB eWallet
Value: R0.01 – R1 000.00                                                 R8.50             For a fixed monthly fee on your Life Start Student Account you
Value: R1 000.01 – R1 500.00                                             R12.50
                                                                                           will receive unlimited electronic transactions, which include:
Additional Statements (fee per month)                           Paper             Online
Daily                                                           R75.00            R42.00   •	 Debit Card Purchases (Local and International)
Weekly                                                          R30.00            R19.00   •	 Prepaid Purchases through FNB’s electronic channels
Twice Monthly                                                   R15.00            R10.50   •	 Electronic Linked Account Transfers
Balance Alerts (fee per month)                                                             •	 Electronic Third Party Payments
Monthly                                                                  R0.90
                                                                                           •	 Debit Orders
Weekly                                                                   R2.95
Daily                                                                   R14.80
                                                                                           •	 Scheduled Payments and Transfers
Electronic Subscription Services (fee per month)                                           •	 Cash	Withdrawals	at	an	FNB	Mini	ATM	or	Point-of-Sale	(Cash@Till)
My Limit Alert                                                           R2.95             •	 Electronic Balance Enquiries
Scheduled Payment Alert                                                  R2.75
Payment Notifications                                                                      You also get:
E-mail                                                                   R0.68
                                                                                           • 6 free FNB ATM cash withdrawals per month, thereafter fees
SMS                                                                      R1.05
                                                                                             apply
Fax                                                                      R4.85
Other Fees
Card Courier Fee (free for Platinum Cheque Card holders)                R120.00            FNB’s electronic channels are FNB Online Banking, Cellphone
Smartphone/Tablet/Laptop Courier Fee                                    R150.00            Banking, Telephone Banking (IVR), FNB Banking App and FNB
Online Banking Password Reset (consultant assisted)                     R50.00             ATMs. You also get free inContact which helps you to manage your
Online Banking Account Verification                                      R3.90
                                                                                           finances, and you pay no subscription fees for Online, Cellphone
Viewing of Payment History (older than 3 months)                         R3.90
                                                                                           and Telephone Banking as well as the FNB Banking App, so you
For any fee or FNB Encore Account queries please call                                      can bank wherever you choose without having to worry about fees
0860 11 22 44.                                                                             before you even start transacting!


                                                                                           Life Start Student Account Pricing

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

                                                                                                                                 Monthly Fees

                                                                                            Monthly Account Fee                                                R22.30
                                                                                            Subscriptions to inContact, Online, Cellphone and Telephone
                                                                                                                                                                Free
                                                                                            Banking and the FNB Banking App




                                               23                                                                                     24                  Back to Index >
                                         Transaction Fees                                               Penalty Fees
                                                                                                                                                                         R60.00 (R138.00
                                                                                                                                                                        per item for the 4th &
                                                                                                        Unpaid Cheques / Debit Orders (per item)
                                                                                                                                                                      subsequent items within
                                      Card             Self-Service*      Telephone         Branch                                                                           12 months)
                                                                           (Consultant)

    Card Purchases                Unlimited**                -                  -                 -     Declined Transactions

    FNB Prepaid Purchases                -             Unlimited***          R8.00                -     FNB ATM (Insufficient Funds or Limit Exceeded)                         Free
                                                   6 Free per month                         R38.00      Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other
                                                                                                                                                                              R6.50
    FNB Cash                       Unlimited       thereafter R6.00             -           + 1.35%     Banks’ ATM
    Withdrawals (local)            (Cash@Till)     per R500 or part                         of value
                                                                                                        Deposit of post-dated-cheque (per cheque)                             R80.00
                                                      thereof****
                                                                                                        Card Replacement Fee
    Transfers                            -              Unlimited           R34.00          R38.00
                                                                                                        MasterCard Debit Card                                                 R68.00
    Payments                             -              Unlimited           R34.00          R38.00
    Debit Orders                                            Unlimited

*    FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and
     FNB ATMs.                                                                                                    Convenience and Value Added Service Fees                        Fee
** International Commission and Conversion fee of 2.75% of the transaction value applies
     for international purchases.                                                                       LOTTO / PowerBall Purchase                                              R1.50
*** Prepaid Purchases at other Banks’ ATM charged at R7.00.                                             Pay & Clear Now (Online Banking, FNB Banking App and FNB
**** ATM Cash Withdrawals at other Banks’ ATM charged at R6.50	+	(R6.00	per	R500	or		                                                                                          R38.00
                                                                                                        Branch: Selected participating Banks only)
     part thereof, max R24.00) from the first withdrawal.
                                                                                                                                                                         R4.00 + (R6.00 per
                                                                                                        Cardless Cash Withdrawal (Cellphone Banking)                    R500 or part thereof,
                                                                                                                                                                            max R24.00)
                         Fee Description                                            Fee
                                                                                                        Send Money to an FNB eWallet
    Cash Withdrawals
                                                                                                        Value: R0.01 – R1 000.00                                                R8.50
    FNB Mini ATM                                                               Unlimited
    Other Banks’ Mini ATM                                                           R7.00               Value: R1 000.01 – R1 500.00                                           R12.50
    International ATM*                                                           R38.00                 Additional Statements (fee per month)                            Paper          Online
    International Branch*                                              R38.00 + 1.50% of value          Daily                                                            R75.00         R42.00
    Deposits
                                                                                                        Weekly                                                           R30.00         R19.00
    Cheque Deposits
                                                                                                        Twice Monthly                                                    R15.00         R10.50
      FNB ATM and FNB Branch (per deposit)                                       R15.00
    Cash Deposits                                                                                       Balance Alerts (fee per month)
      FNB ATM                                                          0.70% of value, min R5.50        Monthly                                                                R0.90
      FNB Branch                                                       1.35% of value, min R20.00       Weekly                                                                 R2.95
    ENC Upliftment Fee and Special Clearance                                     R75.00
                                                                                                        Daily                                                                 R14.80
    Payments
                                                                                                        Electronic Subscription Services (fee per month)
    Bank Cheque                                                                  R70.00
    Stop Payments                                                                                       My Limit Alert                                                         R2.95
      Online Banking, Cellphone Banking and FNB Banking App                     R10.00                  Scheduled Payment Alert                                                R2.75
      Telephone Banking (consultant assisted)                                   R35.00                  Payment Notifications
      FNB Branch                                                                 R70.00                 E-mail                                                                  R0.68
    Scheduled Payment Related Fees
                                                                                                        SMS                                                                     R1.05
    Establishment and Amendment Fees (Online Banking)                               Free
    Establishment Fee (FNB Branch)                                               R12.00                 Fax                                                                     R4.85
    Amendment Fee (FNB Branch)                                                      R9.00               Other Fees
    Balance Enquiries                                                                                   Card Courier Fee                                                      R120.00
    FNB Online Banking, Cellphone Banking, Telephone
                                                                                    Free                Online Banking Password Reset (consultant assisted)                   R50.00
    Banking (IVR), FNB Banking App and FNB ATMs
    Other Banks’ ATM                                                                R3.95               Online Banking Account Verification                                     R3.90
    Branch and Telephone Banking (consultant assisted)                              R3.95
                                                                                                        Online Banking Payment History (older than 3 months)                    R3.90
    Statements
    Cellphone Banking Mini Statement                                                Free
    FNB ATM Mini Statement (print or view)                                          R2.80              For any fee or FNB Life Start Student Account related queries please
    e-Mailing of historical statements (older than 3 months)-
    Online Banking
                                                                            R5.50 per statement        call 0860 11 22 44.
    e-Mailing of historical statements (older than 3 months)-
                                                                            R9.90 per statement
    Branch and Telephone Banking
    Provisional Statement (Online Banking)                                          Free
    Provisional Statement (Branch and Telephone Banking)                      R9.90 per page

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



                                                  25                                                                                               26                 Back to Index >
Fluid Account -
                                                                          Fluid Account Pricing

                                                                          1. Standard Pricing Option
For Youth and Teens                                                       Fees that have not changed or have decreased are shown in orange.

                                                                                                                      Monthly Fees

The Fluid Account is a transactional and savings account                      Monthly Fee (Only charged if the account balance drops below R500)                        R5.55
                                                                              Subscriptions to inContact, Online, Cellphone, Telephone Banking and the
designed to meet the needs of customers 18 years and                          FNB Banking App
                                                                                                                                                                        Free

younger.
                                                                                                                  Transaction Fees
There are two pricing options from which you can choose:

                                                                                                                Card              Self-Service*        Telephone         Branch
1. Standard Pricing Option                                                                                                                              (Consultant)

                                                                              Card Purchases (local)             Free                    -                   -              -
Who is this option for?                                                       FNB Prepaid Purchases               -                   Free**             R8.00              -
This option is best for you if you are able to maintain a balance of          FNB Cash                          R0.90
                                                                                                                                 R6.00 per R500 or                       R30.00
                                                                                                                                   part thereof***           -           + 1.35%
R500 in your account at ALL times.                                            Withdrawals (local)             (Cash@Till)
                                                                                                                                                                         of value
                                                                              Transfers                           -                   R3.30             R27.50           R30.00
How does this option work?                                                    Payments                            -                   R7.00             R27.50           R30.00
You will not pay the monthly account fee if you have at least R500 in         Internal Debit Orders****                                      R3.50
your account at ALL times. Irrespective of your account balance, you          External Debit Orders                                          R15.00
will receive 2 free qualifying debits per month, whereafter you will be   *    FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and
                                                                               FNB ATMs.
charged an applicable fee per transaction. Qualifying debits include:     ** Prepaid Purchases at other Banks’ ATM charged at R7.00.
	 •	 Cash@Till                                                            *** ATM Cash Withdrawals at other Banks’ ATM charged at R6.50	+	(R6.00	per	R500	or		
                                                                               part thereof, max R24.00) from the first withdrawal.
	 •	 FNB	ATM	Cash	Withdrawals                                             **** Includes Debit Orders to Wesbank, FNB Credit Card, FNB Home Loans, FNB Loans and
                                                                               FNB Funeral Cover.
	 •	 Payments
	 •	 Transfers
	 •	 Debit	Orders                                                              Other Transaction Fees Payable on this Pricing Option                              Fee

Local Card Purchases and Electronic Prepaid Purchases are free.               Payments
                                                                              International Card Purchases*                                                      R2.90
2. Unlimited Pricing Option                                                   Cash Withdrawals
                                                                              FNB Mini ATM (per R500 or part thereafter)                                         R2.90
Who is this option for?
                                                                              Other Banks’ Mini ATM (per R500 or part thereafter)                                R4.25
This option is best for you if you want to know your fees up front and
                                                                              International ATM*                                                                 R24.00
mainly transact through FNB’s electronic channels.
                                                                              International Branch*                                                   R24.00 + 1.50% of value

                                                                          * International Commission and Conversion fee of 2.75% of the transaction value applies.
How does this option work?
For a fixed fee per month, you get unlimited qualifying banking
transactions, no matter how many you do. You also get 6 free
FNB ATM cash withdrawals per month. Additional FNB ATM cash               2. Unlimited Pricing Option
withdrawals are charged for. Excluded are Branch transactions,
Cheque and other Banks’ ATM transactions as well as special               Fees that have not changed or have decreased are shown in orange.
instructions and penalty fees which are charged for separately.                                                       Monthly Fees

                                                                              Monthly Fee                                                                              R22.30
                                                                              Subscriptions to inContact, Online, Cellphone and Telephone Banking and
                                                                              the FNB Banking App
                                                                                                                                                                        Free




                                    27                                                                                      28                        Back to Index >
                                                                                                        Statements
                                         Transaction Fees
                                                                                                        Cellphone Banking Mini Statement                                          Free
                                                                                                        FNB ATM Mini Statement (print or view)                                   R2.80
                                  Card                Self-Service*       Telephone          Branch     e-Mailing of historical statements (older than 3 months) -
                                                                            (Consultant)                                                                                   R5.50 per statement
                                                                                                        Online Banking
    Card Purchases            Unlimited**                   -                    -              -       e-Mailing of historical statements (older than 3 months) -
                                                                                                                                                                            R9.90 per statement
    FNB Prepaid Purchases            -                Unlimited***           R8.00              -       Branch and Telephone Banking
                                                 6 Free per month,                           R38.00     Provisional Statement (Online Banking)                                    Free
    FNB Cash Withdrawals       Unlimited        thereafter R6.00 per                         +1.35%     Provisional Statement (Branch and Telephone Banking)                  R9.90 per page
    (local)                    (Cash@Till)      R500 or part thereof,            -           of value   Penalty Fees
                                                  max R24.00****
                                                                                                                                                                       R60.00 (R138.00 per item
    Transfers                        -                 Unlimited            R34.00           R38.00     Unpaid Debit Orders (per item)                                  for the 4th & subsequent
    Payments                         -                 Unlimited            R34.00           R38.00                                                                     items within 12 months)

    Debit Orders                                           Unlimited                                    Card Replacement Fee                                                     R68.00
                                                                                                        Declined Transactions
*    FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and
     FNB ATMs.                                                                                          FNB ATM Declined Transaction
                                                                                                                                                                                  Free
** International Commission and Conversion fee of 2.75% of the transaction value applies                (Insufficient Funds or Limit Exceeded)
*** Prepaid Purchases at other Banks’ ATM charged at R7.00.                                             Other FNB (Point-of-Sale, Scheduled Payment, EDO) and
**** ATM Cash Withdrawals at other Banks’ ATM charged at R6.50	+	(R6.00	per	R500	or		                                                                                            R6.50
                                                                                                        other Banks’ ATM
     part thereof, max R24.00) from the first withdrawal.
                                                                                                        Deposit of post-dated cheque (per cheque)                                R80.00


     Other Transaction Fees Payable on this Pricing Option                           Fee
                                                                                                                   Convenience and Value Added Service Fees                            Fee
    Cash Withdrawals
                                                                                                         Pay & Clear Now (Online Banking, FNB Banking App and FNB
    FNB Mini ATM                                                               Unlimited                                                                                            R38.00
                                                                                                         Branch: Selected participating Banks only)
    Other Banks’ Mini ATM                                                            R7.00                                                                                    R4.00 + (R6.00 per
    International ATM*                                                           R38.00                  Cardless Cash Withdrawal (Cellphone Banking)                        R500 or part thereof,
                                                                                                                                                                                 max R24.00)
                                                                          R38.00 + 1.50% of
    International Branch*                                                                                Send Money to an FNB eWallet
                                                                                value
                                                                                                         Value: R0.01 – R1 000.00                                                    R8.50
* International Commission and Conversion fee of 2.75% of the transaction value applies.
                                                                                                         Value: R1 000.01 – R1 500.00                                               R12.50
                                                                                                         Balance Alerts (fee per month)
    Fees applicable irrespective of pricing option selected                           Fee                Monthly                                                                     R0.90
                                                                                                         Weekly                                                                      R2.95
    Payments                                                                                             Daily                                                                      R14.80
    Bank Cheque                                                                   R70.00                 Electronic Subscription Services (fee per month)
    Stop Payments                                                                                        My Limit Alert                                                              R2.95
    Online Banking, Cellphone Banking and FNB Banking App                        R10.00                  Scheduled Payment Alert                                                     R2.75
    Telephone Banking (consultant assisted)                                      R35.00                  Payment Notifications
    FNB Branch                                                                    R70.00                 E-mail                                                                      R0.68
                                                                                                         SMS                                                                         R1.05
    Scheduled Payment Related Fees
                                                                                                         Fax                                                                         R4.85
    Establishment and Amendment Fees (Online Banking)                                Free
                                                                                                         Other Fees
    Establishment Fee (FNB Branch)                                                R12.00
                                                                                                         Card Courier Fee                                                           R120.00
    Amendment Fee (FNB Branch)                                                       R9.00
                                                                                                         Online Banking Password Reset (consultant assisted)                        R50.00
    Deposits                                                                                             Online Banking Account Verification (FNB Accounts and other
                                                                                                                                                                                     R3.90
    Cheque Deposits                                                                                      Banks’ Accounts)
                                                                                                         Online Banking Payment History (older than 3 months)                        R3.90
     FNB ATM and FNB Branch (per deposit)                                         R15.00
    Cash Deposits
     FNB ATM                                                            0.70% of value, min R5.50       The Shari’ah Compliant Youth Account
     FNB Branch                                                         1.35% of value, min R20.00
    ENC Upliftment Fee and Special Clearance                                      R75.00                The above pricing also applies to the Shari’ah Compliant Youth
    Balance Enquiries                                                                                   Account with these exceptions:
    FNB Online Banking, Cellphone Banking, Telephone Banking                                            •	 You need to keep a minimum account balance of R30.00
                                                                                     Free
    (IVR), FNB Banking App and FNB ATMs                                                                 •	 You will not earn any credit interest on this account
    Other Banks’ ATM                                                                 R3.95
    Point-of-Sale                                                                    R1.35
                                                                                                        For any fee or FNB Fluid Account queries please call
    Branch and Telephone Banking (consultant assisted)                               R3.95
                                                                                                        0860 11 22 44.
                                                 29                                                                                                 30                    Back to Index >
eWallet from FNB                                                                     Investment Products
                                                                                     FNB offers a range of investment accounts that give you
With eWallet, you can send money to someone instantly
                                                                                     choice and flexibility in the way that you invest. Whether
via a valid South African cellphone number. The recipient
                                                                                     you are saving towards renovating your home, education
of the money does not even need a bank account.
                                                                                     for your child, buying your first car or a holiday by the sea,
By using eWallet from FNB, you can:                                                  FNB has a range of affordable saving and investment
•	    Withdraw cash at an FNB ATM
                                                                                     products which make your money work for you.
•	    Purchase Prepaid Airtime
•	    Shop online using FNB Cell Pay Point
•	    Send money to someone                                                          Short-Term Deposit Accounts
The funds can be used on one transaction all at once, or some of the                 These investment accounts are suited to customers who require
funds can be left in the eWallet to spend later. It’s fast, safe and simple!         immediate access to their money while still having the flexibility to
The first eWallet Cash Withdrawal (per send) is free.
                                                                                     add funds at any time.
Fees that have not changed or have decreased are shown in orange.                    Money Market Transactor Account
                                                                                     The Money Market Transactor offers you transactional capability with
                            Fee Description                            Fee
                                                                                     the added benefit of earning interest on your daily balances.
 Send Money from an FNB eWallet to another FNB eWallet                R2.00
 Monthly Fee                                                           Free          Money Market Investor Account
 Monthly Dormancy Fee (only charged after 6 consecutive months
                                                                                     The Money Market Investor is preferable if you require limited
                                                                      R5.00
 of inactivity)                                                                      transactional capabilities with easy access to your funds.
 Payments to a bank account                                           R2.00
                                                                                     Simply Save Account
 Purchases
                                                                                     This savings account is simple and flexible, making it easy for you to
     Purchase at a store                                               Free          start to save.
     Prepaid from the FNB eWallet                                     R2.00
 Cash Withdrawals
                                                                                     Call Account
                                                                                     This account allows immediate access to your funds with attractive
                                                                  R5.00 per R500
     FNB ATM Cash Withdrawals (first withdrawal per send free)     or part thereof   short term interest rates.
                                                                 (maximum R15.00)
     Cash@Till                                                        R2.00
 Statements and Balance Enquiries
                                                                                     Money Market Transactor Account
     Statements                                                        Free
     Balance Enquiries                                                 Free          Fees that have not changed or have decreased are shown in orange.
     Non-FNB ATM Balance Enquiries                                    R3.95
                                                                                                                                       Monthly Fees

The following fee will be charged to the sender’s account when                           Monthly Account Fee (Includes Lost Card Protection Fees)*                   R35.00

sending money to an FNB eWallet:                                                         Monthly Petrol Card Fee (linked to Account)                                 R12.50
                                                                                         Subscriptions to inContact, Online, Cellphone and Telephone Banking and
                                                                                         the FNB Banking App
                                                                                                                                                                      Free
                            Fee Description                            Fee
                                                                                     *      An additional monthly Exchange Control Admin Fee of R13.00 for Non Resident Cheque
 Send money to an FNB eWallet                                                               Accounts applies.
     Value: R0.01 – R1 000.00                                         R8.50
     Value: R1 000.01 - R1 500.00                                     R12.50


For any queries relating to eWallet please call
087 575 9405 or 0861 313 210.

                                               31                                                                                           32            Back to Index >
                                       Transaction Fees                                                  Balance Enquiries
                                                                                                         FNB Online Banking, Cellphone Banking, Telephone Banking (IVR),
                                                                                                                                                                                               Free
                                                                                                         FNB Banking App and FNB ATMs

                                      Card        Self-Service*      Telephone             Branch        Other Banks’ ATM                                                                     R3.95
                                                                         (Consultant)
                                                                                                         Point-of-Sale                                                                        R1.35
    Card Purchases (local)             Free               -                   -                 -
                                                                                                         International Point-of-Sale                                                          R2.50
    FNB Prepaid Purchases                -             R1.00**            R8.00                 -
                                                                                                         Branch and Telephone Banking (consultant assisted)                                   R3.95
    FNB Cash                          R0.90       R6.00 per R500                           R30.00 +
                                                                              -                          Statements
    Withdrawals (local)             (Cash@Till)    or part thereof                      1.35% of value
    Transfers                           -               R3.50             R35.00           R35.00        Posted Monthly Statement                                                      R10.50 per statement
    Payments                            -              R11.00             R35.00           R35.00        e-Mailed Monthly Statement                                                            Free
    Internal Debit Orders****                                    R3.50                                   FNB ATM Mini Statement (view or print)                                               R2.80
    External Debit Orders                                        R19.00                                  e-Mailing of historical statements (older than 3 months) - Online Banking      R5.50 per statement
*    FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and                 e-Mailing of historical statements (older than 3 months) - Branch
                                                                                                                                                                                        R9.90 per statement
     FNB ATMs.                                                                                           and Telephone Banking
** Prepaid Purchases at other Banks’ ATMs charged at R7.00.
                                                                                                         Provisional Statement (Branch and Telephone Banking)                             R9.90 per page
*** ATM Cash Withdrawals at other Banks’ ATM charged at R6.50	+	(R6.00	per	R500	or		
     part thereof, max R24.00) from the first withdrawal.                                                Cheque Book Fees
**** Includes Debit Orders to Wesbank, FNB Credit Card, FNB Home Loans, FNB Loans and
     FNB Funeral Cover.                                                                                  Pocket 40 Form                                                                       R35.00
                                                                                                         Duet 25 Form                                                                         R38.50
                                                                                                         Penalty Fees
        Other Transaction Fees Payable on this Pricing Option                            Fee
                                                                                                                                                                                      R60.00 (R138.00
    Payments                                                                                                                                                                          per item for the 4th
                                                                                                         Unpaid Cheques / Debit Orders (per item)
                                                                                                                                                                                      & subsequent items
    Cheque Payments                                                                     R37.50                                                                                        within 12 months)
    Stop Payments                                                                                                                                                                      R95.00 (R120.00
                                                                                                         Honouring Fee (Charged per item in excess of your account limit on           per item for the 4th
      Online Banking, Cellphone Banking and FNB Banking App                             R10.00           accounts with credit agreements before 1 June 2007)                          & subsequent items
      Telephone Banking (consultant assisted)                                           R35.00                                                                                        within 12 months)

      FNB Branch                                                                        R70.00           Card Replacement Fee                                                                 R68.00
                                                                                                         Declined Transactions
    Scheduled Payment Related Fees
                                                                                                         FNB ATM (Insufficient Funds or Limit Exceeded)                                        Free
      Establishment and Amendment Fees (Online Banking)                                  Free
                                                                                                         Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other
      Establishment Fee (FNB Branch)                                                    R12.00                                                                                                R6.50
                                                                                                         Banks’ ATM
      Amendment Fee (FNB Branch)                                                        R9.00            Deposit of post-dated cheque (per cheque)                                            R80.00
    Purchases
    International Card Purchases*                                                       R2.90                     Convenience and Value Added Service Fees                                    Fee
    Petrol Card Purchases                                                               R3.95
                                                                                                         LOTTO / PowerBall Purchase                                                         R1.50
    Cash Withdrawals
                                                                                                         Pay & Clear Now (Online Banking, FNB Banking App and FNB
                                                                                                                                                                                            R38.00
    FNB Mini ATM (Per R500 or part thereof)                                             R2.90            Branch – selected participating Banks only)
    Other Banks’ Mini ATM (Per R500 or part thereof)                                    R4.00                                                                                         R4.00 + (R6.00 per
                                                                                                         Cardless Cash Withdrawal (Cellphone Banking)                                R500 or part thereof,
    International ATM*                                                                  R24.00
                                                                                                                                                                                         max R24.00)
                                                                                        R24.00
    International Branch*                                                                                Send Money to an FNB eWallet
                                                                                   + 1.50% of value
    Deposits                                                                                             Value: R0.01 – R1 000.00                                                           R8.50

    Cheque Deposits                                                                                      Value: R1 000.01 – R1 500.00                                                       R12.50

      FNB ATM and FNB Branch (per deposit)                                              R15.00           Additional Statements (fee per month)                                        Paper         Online

      ENC Upliftment Fee and Special Clearance                                          R75.00           Daily                                                                       R75.00         R42.00

    Cash Deposits                                                                                        Weekly                                                                      R30.00         R19.00

                                                                                    0.70% of value,      Twice Monthly                                                               R15.00         R10.50
      FNB ATM
                                                                                      min R5.50
                                                                                    1.35% of value,
      FNB Branch
                                                                                      min R20.00

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




                                                  33                                                                                                   34                       Back to Index >
                                                                                                Balance Enquiries
           Convenience and Value Added Service Fees                             Fee
                                                                                                FNB Online Banking, Cellphone Banking, Telephone Banking (IVR),
 Balance Alerts (fee per month)                                                                                                                                             Free
                                                                                                FNB Banking App and FNB ATMs
 Monthly                                                                      R0.90             Other Banks’ ATM                                                            R3.95
 Weekly                                                                       R2.95             Branch and Telephone Banking (consultant assisted)                          Free
 Daily                                                                        R14.80            Statements
 Electronic Subscription Services (fee per month)                                               Monthly Statement                                                           Free
 My Limit Alert                                                               R2.95             FNB ATM Mini Statement (view or print)                                      R2.80
 Scheduled Payment Alert                                                      R2.75             Provisional Statement (Online and Telephone Banking and FNB
                                                                                                                                                                            Free
 Payment Notifications                                                                          Branch)

 E-mail                                                                        R0.68            E-Mailing of historical statement (older than 3 months)                     Free

 SMS                                                                           R1.05
 Fax                                                                           R4.85
 Other
                                                                                               Simply Save Account
 Online Banking Password Reset (consultant assisted)                          R50.00
 Online Banking Account Verification                                           R3.90
                                                                                               Fees that have not changed or have decreased are shown in orange.
 Online Banking Payment History (older than 3 months)                          R3.90
                                                                                                                                     Transaction Fees



Money Market Investor                                                                                                    Self-Service*          Telephone
                                                                                                                                                (Consultant)
                                                                                                                                                                      Branch

                                                                                                Transfers                    R3.50               R35.00                R35.00
Fees that have not changed or decreased are shown in orange.
                                                                                                Withdrawals                    -                     -         R30.00 + 1.35% of value
                                           Monthly Fees                                        * FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and
                                                                                                 FNB ATMs.
 Monthly Account Fee*                                                              Free
 Subscriptions to inContact, Online, Cellphone and Telephone Banking and
 the FNB Banking App
                                                                                   Free
                                                                                                                   Other Account Related Fees                                Fee
* A monthly exchange control administration fee of R13.00 is charged on Non Resident
  Accounts.                                                                                     Deposits
                                                                                                Cheque Deposits
                                   Transaction Fees                                               FNB ATM and FNB Branch (per deposit)                                     R15.00
                                                                                                  ENC Upliftment Fee and Special Clearance                                 R75.00

                               Self-Service*         Telephone              Branch              Cash Deposits
                                                      (Consultant)
                                                                                                                                                                       0.70% of value,
  Transfers                        R3.50               R35.00                R35.00               FNB ATM
                                                                                                                                                                         min R5.50
 FNB Cash Withdrawals                  -                   -         R30.00 + 1.35% of value                                                                           1.35% of value,
                                                                                                  FNB Branch
                                                                                                                                                                         min R20.00
* FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and
  FNB ATMs.                                                                                     Other Fees
                                                                                                FNB Online Banking, Cellphone Banking, Telephone Banking (IVR),
                                                                                                                                                                            Free
                                                                                                FNB Banking App and FNB ATMs
       Other Transaction Fees Payable on this Pricing Option                     Fee
                                                                                                Provisional Statements                                                      Free
 Deposits
                                                                                                Deposit of post-dated cheque (per cheque)                                  R80.00
 Cheque Deposits
   FNB ATM and FNB Branch (per deposit)                                        R15.00
   ENC Upliftment Fee and Special Clearance                                    R75.00
 Cash Deposits
                                                                            0.70% of value,
   FNB ATM
                                                                              min R5.50
                                                                            1.35% of value,
   FNB Branch
                                                                              min R20.00




                                                35                                                                                         36                     Back to Index >
Call Account                                                                                                                              7 Day Interest             32 Day Interest
                                                                                                      Fee Description                     Plus Account                Plus Account
Fees that have not changed or decreased are shown in orange.                                  Subscriptions to inContact, Online,
                                                                                              Cellphone and Telephone Banking                  Free                        Free
                                      Transaction Fees                                            and the FNB Banking App
                                                                                                                                              Free
                                                                                                           Deposits                   (terms and conditions                Free
                                    Self-Service*         Telephone            Branch                                                         apply)
                                                           (Consultant)
                                                                                                   Withdrawals (terms and
    Transfers                            R3.50              R35.00             R35.00                                                          Free                        Free
                                                                                                      conditions apply)
    Payments                            R11.00              R35.00             R35.00           Balance Enquiries (FNB ATM,
                                                                                                Branch, Online, Cellphone and                  Free                        Free
                                                                               R30.00 +             Telephone Banking)
    Withdrawals                            -                    -
                                                                            1.35% of value
                                                                                                   Provisional Statements                      Free                        Free
*     FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and
                                                                                                      Interest Payments                        Free                        Free
      FNB ATMs.
                                                                                                                                          As per terms and            As per terms and
                                                                                                Charge for Early Redemption
                                                                                                                                             conditions                  conditions
                      Other Account Related Fees                                Fee

    Deposits
    Cheque Deposits
      FNB ATM and FNB Branch (per deposit)                                    R15.00
      ENC Upliftment Fee and Special Clearance                                R75.00         Flexi Fixed Deposit Accounts
    Cash Deposits
                                                                           0.70% of value,   This account is fixed for 3 or 12 months. Cash can be invested at a
      FNB ATM
                                                                             min R5.50
                                                                           1.35% of value,
                                                                                             great interest rate while allowing you access to a portion of your funds.
      FNB Branch
                                                                             min R20.00      Money can also be added into the account at any time.
    Other
    Balance Enquiries (FNB ATM and Cellphone Banking)                           Free
                                                                                                           Fee Description                                 Flexi Fixed Deposit
    Mini Statements                                                            R2.80
                                                                                                   Subscriptions to inContact, Online,
    Provisional Statements                                                      Free
                                                                                               Cellphone and Telephone Banking and the                            Free
    Deposit of post-dated cheque (per cheque)                                 R80.00                       FNB Banking App

    Monthly Exchange Control Admin Fee (Non Resident Account only)            R13.00                            Deposits                                          Free
                                                                                               Withdrawals (terms and conditions apply)        2 free withdrawals (maximum 15% each)
                                                                                              Balance Enquiries (FNB ATM, Branch, Online,
                                                                                                                                                                  Free
                                                                                                  Cellphone and Telephone Banking)
                                                                                                        Provisional Statements                                    Free

Notice Deposits Accounts                                                                                   Interest Payments                                      Free
                                                                                                      Charge for Early Redemption                     As per terms and conditions

Notice Deposit Accounts require notice on the account (either 7 or 32
days) before funds can be accessed. Two interest rate increases apply,
after	32	and	64	days	providing	higher	returns.

7 Day Interest Plus
Access funds with 7 days notice with competitive interest rates.

32 Day Interest Plus
32 days notice is required to access funds. The longer notice period
encourages disciplined saving and spending decisions.




                                                 37                                                                                       38                      Back to Index >
Fixed Deposit Accounts                                                                  Share Investing
Get a fixed investment term and fixed interest rate, with higher returns.
                                                                                        Share Investing gives you access to invest directly in JSE
Fixed Deposit Accounts
A flexible fixed deposit which allows you to either; select your                        shares and Krugerrands online and in real time. Investing
investment	term,	from	7	days	to	60	months,	or	select	your	maturity	                     in shares and directly in gold (through Krugerrands)
date. You may also choose to capitalise your interest monthly,                          is a great way to build your wealth as it allows you to
allowing you to earn interest on interest, or you may withdraw your
interest on demand.                                                                     diversify your investment and benefit from company
                                                                                        profits and dividends over time.
Effective Rate Fixed Deposit
Invest	from	2	to	60	months	and	receive	interest	at	maturity.
                                                                                        Who is this for?
Restart Fixed Deposit                                                                   Whether you are new to investing in shares, or a seasoned share
A 13 month fixed deposit which allows you to restart your                               veteran, we offer two products that will suit your level of experience
investment once during your investment term.                                            in the share market:

                                                                                        Share Builder
                          Fixed Deposit
   Fee Description                                Effective Rate         Restart        Choose from a pre-selected range of JSE blue chip shares to help
                             Account
                                                                                        you start your Share Investing Portfolio. Now you can also invest
    Subscriptions to
   inContact, Online,                                                                   directly in Krugerrands via this product.
     Cellphone and
                               Free                    Free               Free
  Telephone Banking
 and the FNB Banking                                                                    Share Investor
          App                                                                           If you have some experience in the share market, Share Investor
       Deposits                Free                    Free               Free          allows you to invest in the full range of JSE listed shares and
  Withdrawals (terms                                                                    Krugerrands in real time.
                               Free                    Free               Free
 and conditions apply)
   Balance Enquiries
                                                                                        All fees include VAT unless otherwise stated.
   (FNB ATM, Branch,
                               Free                    Free               Free
 Online, Cellphone and
  Telephone Banking)                                                                    Fees that have not changed or have decreased are shown in orange.
 Provisional Statements        Free                    Free               Free
                                                                                                                                 Monthly Fees
   Interest Payments           Free                    Free               Free
                                                                                                                                                 Share Builder      Share Investor
    Charge for Early      As per terms and        As per terms and   As per terms and
     Redemption              conditions              conditions         conditions          Monthly Account Fee*                                   R17.00              R45.00
                                                                                            Subscription to Online, Cellphone and Telephone
                                                                                                                                                     Free                Free
                                                                                            Banking and the FNB Banking App
                                                                                                                                                0.86% of market       0.86% of
For any fee or Investment Product related queries please call                               Krugerrand Safe Keeping Fee
                                                                                                                                                    value            market value
0860 054 321.
                                                                                        * A monthly account of R75.00 is charged on Non Resident and Emigrant Blocked Accounts.



                                                                                                                              Transaction Fees



                                                                                                                      Card         Self-Service*    Telephone          Branch
                                                                                                                                                     (Consultant)


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

                                                                                            Transfers                     -            R3.50          R30.00           R30.00

                                                                                            Payments                      -            R11.00         R30.00           R30.00

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


                                             39                                                                                      40                       Back to Index >
 Fee Description
                                  Trade Fees (of Traded Amount)
                                    Share Builder                 Share Investor
                                                                                               Credit Cards
 Trade Option                      Delayed Trades         Now Trades         Delayed Trades
                                    2% (min R50)         0.6% (min R80)       2% (min R50)
 Brokerage Fee
                                      plus VAT              plus VAT            plus VAT            These days it seems that everything
 Investor Protection Levy           Not Applicable      0.0002% plus VAT
                                                          0.005459%
                                                                              Not Applicable
                                                                                                    costs money… but at FNB we can help you save
 STRATE Settlement
 Charge
                                    Not Applicable      (Min R10.95, Max      Not Applicable        because our FNB Credit Card is no longer just about credit, it has
                                                        R54.59) plus VAT
                                                                                                    grown into the ultimate transactional tool giving you real value
 Securities Transfer Tax            Not Applicable          0.25%             Not Applicable
 (only on Share Purchase)                                                                           and benefits that make life rewarding with everyday savings.

               Other Account Related Fees                                   Fee                    You save R6 770*       You save R8 348*          You save R12 459*       You save R2 160*
                                                                                                with your FNB Classic    with your FNB Gold               with your FNB   with your linked FNB
 Deposits                                                                                                 Credit Card           Credit Card        Platinum Credit Card             Petro Card

 Cheque Deposits
   FNB ATM and FNB Branch (per deposit)                                    R15.00
 Cash Deposits
                                                                                               10 Reasons to make life more rewarding every day…
   FNB ATM                                                      0.70% of value, min R5.50
   FNB Branch                                                   1.35% of value, min R20.00               FNB Fuel Rewards
 ENC Upliftment Fee and Special Clearance                                  R75.00                        Earn up to 15% of your fuel spend back when you purchase fuel on
                                                                                                         your FNB Credit or Linked Petro Card! For qualifying criteria, earn rules
 Deposit of post-dated cheque (per cheque)                                 R80.00
                                                                                                         and rewards tables, please visit www.fnb.co.za.

                            Non-Standard Services                                   Fee                  Earn eBucks
                                                                                                         Earn 10 eBucks for every R100 spent. Unlimited earn on your budget
 Share Transfer (per counter)                                                                            purchases and capped at R5 000 for “Classic” (Silver) cardholders,
 Account Transfer In                                                              Free                   R10 000 for Gold cardholders and R20 000 for Platinum cardholders.
 Account Transfer Out                                                         R125.00
 Internal Transfer                                                                Free                   Every Swipe is Free
 Portfolio Move In                                                                Free                   Save on average R3.50 per swipe.
 Portfolio Move Out                                                            R95.00
 Other Fees
                                                                                                         AA Emergency Roadside Assistance (on Petro Cards)
                                                                                                         Free AA Emergency Roadside Assistance, giving you peace of mind
 Cancellation (off- exchange instruction)                                     R130.00
                                                                                                         motoring. Including call-out & tow-in service.
 Normal Dematerialisation (per counter)                                       R100.00
 Urgent Dematerialisation (per counter)                                       R550.00                    Domestic Airport Lounge Access
 Normal Rematerialisation (per counter)                                       R750.00                    (Platinum Cardholders Only)
 Urgent Rematerialisation (per counter)                                      R1 200.00                   Relax in the SLOW Domestic Lounges in the Domestic Terminals of
 Exchange (per counter)                                                       R100.00                    O.R. Tambo, King Shaka and Cape Town International airports.
 Indemnities (excl. insurance per counter)                                    R350.00
                                                                                                         Comprehensive Global Travel Insurance
 Registration / Change of beneficial (excl. TAX)                                    POA
                                                                                                         Get FREE Comprehensive Global Travel Insurance for every ticket
 Monthly Safe Custody Fee (only on share portfolio                         0.0005% of value
                                                                                                         purchased with your FNB Credit Card.
 values > R10m in market value)                                            exceeding R10m
 Portfolio Evaluation                                                          R40.00
                                                                                                         Free Online Banking
 Share Removal (per instruction)                                                                         Online banking can cost up to R21.95 per month elsewhere.
 Normal: Value of securities
  R1 – R50 000                                                                R900.00                    Unique Mobile Banking App
  R50 000 – R2 000 000                                                       R1 400.00
                                                                                                         Benefit from the convenience of using FNB’s unique mobile App for
                                                                                                         seamless mobile banking, Free.
  R2 000 000 +                                                               R2 400.00
 Fast Track: Value of securities                                                                         Free inContact
  R1 – R50 000                                                               R1 480.00                   Be assured of total control of activity on your account - and get
  R50 000 – R2 000 000                                                       R2 500.00                   inContact SMS service, free.
  R2 000 000 +                                                               R4 400.00
                                                                                                         Up to 55 Days Interest Free
For any fee or Share Investing related queries, please phone
0860 SHARES (742 737).                                                                         Visit www.fnb.co.za for more information or call 087 575 1111.
                                                                                               * Amount calculated on the annual average transactions of FNB Credit Card customers. E & OE.
                                                                                                 Terms, conditions and rules apply.

                                                   41                                                                                         42                      Back to Index >
FNB Credit Card offers the following value added services:                                          eBucks* (Classic (Silver), Gold and Platinum Credit Cards only)
                                                                                                    eBucks is FNB’s innovative rewards programme. You can enjoy being
                                      Value-add Services*
                                                                                                    rewarded by swiping your FNB Credit Card.
 Included: (part and parcel of your            Optional:
 product)                                      (customer needs to apply)
                                                                                                                  Fee Description                                                    Fee
 FNB Fuel Rewards                     Free     Online Banking Subscriptions                Free
 FNB Airtime Rewards                  Free     Telephone Banking Subscriptions             Free      Credit Card Annual eBucks Fee                                R200.00 (per annum, per account)
 Automatic Debt Protection*           Free     Cellphone Banking Subscriptions             Free      Earn Rate (Straight and Budget)                           eB10 (R1.00) for every R100.00 spent
 Lost Card Protection                 Free     inContact (SMS and e-mail notification)     Free      Loyalty Cap (maximum qualifying card
                                                                                                                                                                     Straight                   Budget
 PIN Replacement                      Free     Decline inContact                           Free      spend per month):
 AA Emergency Roadside                                                                                 Platinum Credit Card                                         R20 000                    Unlimited
                                      Free
 Assistance (Petro Cards only)
                                                                                                       Gold Credit Card                                             R10 000                    Unlimited
 Comprehensive Global Travel
                                      Free                                                             Classic (Silver) Credit Card                                  R5 000                    Unlimited
 Insurance*

* Terms and conditions apply.
                                                                                                    There is no minimum card spend required for you to start earning
                                                                                                    eBucks, but rewards will only be paid out once the minimum payment
                                                                                                    for that specific account is made. Excluded transactions include fuel
Debt Protection Plan:                                                                               purchases, cash withdrawals, third party payments, balance transfers,
Automatic Debt Protection protects you and your family, at no                                       electronic fund transfers (EFTs) and gaming transactions.
additional cost, from the outstanding debit balance on your FNB
Credit Card account or the specified maximum amount as stated in
the table below, whichever is the lesser at the time of your death or                               SLOW Domestic Lounge*
permanent disability.                                                                               Platinum Credit Card customers enjoy access to SLOW Domestic
                                                                                                    Lounges, at the Domestic Terminals of O.R. Tambo, Cape Town and
We offer Top-up Debt Protection Plan (TDPP) as a top-up to                                          King Shaka International airports. Qualifying criteria and terms of
Automatic Debt Protection to extend your specified maximum debt                                     usage are detailed in the table below.
cover at an additional cost, as per the table below.
                                                                                                                                                                                Fee when          Fee when
                                                                                                        Qualifying            Time of                  Visits                   qualifying       qualifying
                                   Automatic Debt             Top-up Debt
                                                                                          Total          Criteria              entry                                             criteria        criteria are
                                Protection Plan (ADP)    Protection Plan (TDPP)
                                                                                          Cover                                                                                  are met          NOT met
   Debt Protection *                     Speci-           Premium Speci-                 (ADP +
                                Premium fied Max            (per  fied Max                                                Peak time                                           FNB will cover
                                                                                         TDPP)                                               2 SLOW Lounge
                                        Amount            R1000) Amount                                                   allocation                                          the R250 entry
                                                                                                                          (Peak time is      visits (per billing/                                R250.00 per
                                                                                                                                             statement period)                fee if your        person
 Platinum Credit Card             Free       R12 000         R5         R88 000          R100 000    Active Platinum      not transferable
                                                                                                                                             for the cardholder               account is in
 Gold Credit Card                 Free       R5 000          R5         R75 000          R80 000     Credit Card in       to Off-peak                                         good standing
                                                                                                     good standing**      time)              only and no guest
 Classic (Silver) Credit Card     Free       R2 000          R6         R48 000          R50 000     with monthly                            visits
 Classic (Smart) Credit Card      Free       R1 000          R6         R19 000          R20 000     spend of
                                                                                                     R5 000 or more                          4 SLOW Lounge
 Standalone Petro Card            Free       R1 000          R6         R9 000           R10 000                                             visits (per billing/
                                                                                                     in the billing /
                                                                                                     statement period     Off-peak time      statement period)                FNB will cover
* Terms and conditions apply.                                                                                                                for the cardholder,
                                                                                                     preceding the        allocation                                          the R250 entry
                                                                                                     visit                (Peak time is      including guests                 fee if your        R250.00 per
                                                                                                                                             (i.e. 4 visits for the                              person
                                                                                                                          not transferable   cardholder only; 2 visits for    account is in
                                                                                                                          to Off-peak        the cardholder with 1 guest      good standing
                                                                                                                                             per visit or 1 visit for the
                                                                                                                          time)              cardholder with 3 guests)


                                                                                                    * Terms and conditions apply.
                                                                                                    ** An account in good standing is not overdrawn or in arrears, neither are you in debt
                                                                                                       councelling, any legal or collections process with FNB.


                                                                                                    Additional guests (subject to availability and at the SLOW Domestic
                                                                                                    Lounge Manager’s discretion) and visits over the allocated free visits:
                                                                                                     Peak time                                             R250.00 per person
                                                                                                     Off-peak time                                         R125.00 per person


                                                                                                      Peak times        Monday - Friday           04h45 - 07h00 and again between 15h00 - 17h30
                                                                                                      include:          Sundays                                              15h00 - 17h30



                                                 43                                                                                                  44                              Back to Index >
Credit Card Pricing                                                                               Fees that have not changed or have decreased are shown in orange.

NCA Customers                                                                                                                          Transaction Fees

(Credit Agreements after 1 June 2007)
                                                                                                                                        Card          Self-Service*      Telephone           Branch
                                                                                                                                                                          (Consultant)
You are an NCA customer if:
                                                                                                      Credit Card Purchases             Free**              -                  -                -
•	 You entered into a credit agreement with us on or after 1 June 2007.                               (Straight / Budget)
•	 You were an existing FNB Credit Card customer, who after 1 June                                    Fuel Purchases                    R3.95               -                  -                -
   2007 chose to re-contract with us.                                                                 (Petro Cards only)
                                                                                                      FNB Prepaid Purchases                -             R1.70                 -                -
                                                                                                                                                       R6.00 per                            R30.00 +
Monthly NCA Card Fees:                                                                                FNB Cash Withdrawals                 -          R500 or part             -            1.35% of
                                                                                                      (local)                                          thereof***                           value****
Card fees for our product range have been segmented below for
                                                                                                                                                          R3.30
ease of reference:                                                                                    Linked Account Transfers             -            (IVR Smart         R28.00               -
                                                                                                                                                      Transfer: Free)
                         Monthly          Additional        Linked Petro        Once-off
                                                                                                      Third Party Payments                 -             R7.20             R28.00               -
    Card Fees             Card            Cards (Per          Card (Per         Initiation
                           Fee           Linked Card)       Linked Card)           Fee            *    FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and
                                                                                                        FNB ATMs.
 Platinum                R50.00             R11.25             R11.25            R135.00          ** International Currency Commission and Conversion fee of 2.75% (Classic, Silver, Gold
 Gold                    R25.83             R11.25             R11.25            R135.00               and Platinum) of the transaction value applies for international purchases.
                                                                                                  *** ATM Cash Withdrawals at other Banks’ ATM charged at R6.50	+	(R6.00	per	R500	or		
 Classic (Silver)        R21.50             R11.25             R11.25            R135.00               part thereof, max R24.00) from the first withdrawal.
                                                                                                  **** Includes all financial institution branches and the purchase of foreign exchange.
 Classic (Smart)         R35.50             R11.25             R11.25         Not Applicable
 Standalone Petro        R24.16             R24.16         Not Applicable        R135.00

                                                                                                  Other FNB Credit Card related Fees
                                                                                                  (applicable to both NCA and Usury)

Usury Customers                                                                                                            Fee Description                                          Fee
(Credit agreements taken up prior to 1 June 2007 - governed
by Usury Act)                                                                                         Cash Withdrawals
                                                                                                      FNB Mini ATM (per R500 or part thereof)                                       R2.90
                                                                                                      Other Banks’ Mini ATM (per R500 or part thereof)                              R4.25
You are a Usury customer if:
                                                                                                      International Branch or ATM Cash Withdrawal*                      R25.70 + 1.60% of value
•	 You were a customer with FNB Credit Card prior to 1 June 2007.
                                                                                                      Cash on budget (not offered on Smart Credit Cards)                  R41.50 + % of value:
                                                                                                        Classic (Silver)                                                           2.50%
Annual Usury Card Fees:                                                                                 Gold                                                                       2.25%
                                                                                                        Platinum                                                                   2.00%
Card fees for our product range have been segmented below for
                                                                                                      Deposits
ease of reference:                                                                                    Cheque Deposit*
                                                                                                                                                                                R14.70
                                                                                                        FNB ATM and FNB Branch (per deposit)
                                                      Additional           Linked Petro                                                                                     (Free for Encore)
                                 Annual
        Card Fees                                     Cards (Per                Card                  Cash Deposits
                                Card Fee             Linked Card)        (Per Linked Card)
                                                                                                                                                                            0.70% of value,
                                                                                                        FNB ATM with Automated Deposit Terminal (ADT)
 Platinum                        R600.00                R135.00                R135.00                                                                                      minimum R5.50
                                                                                                                                                                            1.35% of value,
 Gold                            R310.00                R135.00                R135.00                  FNB Branch and FNB ATM with envelope deposits
                                                                                                                                                                           minimum R20.00
 Classic (Silver)                R258.00                R135.00                R135.00
                                                                                                      Cheque Clearance Fee                                                         R220.00
 Classic (Smart)                  R35.50                R11.25                 R11.25
                                                                                                      Voucher Retrieval Requests
 Standalone Petro                R290.00                R290.00             Not Applicable
                                                                                                      Local                                                                        R65.00
Card fee refers to costs of account and transactional maintenance of your Primary Card Account.       International                                                                R225.00
Please Note: Classic (Smart) Credit Card fees are charged monthly for both NCA and Usury
customers and are no longer available to new customers.                                               Balance Enquiries
                                                                                                      FNB ATM                                                                       Free
                                                                                                      FNB Branch                                                                    R3.95
                                                                                                      International ATM/Branch                                                      R3.95
                                                                                                      Other Banks’ ATM                                                              R3.95

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

                                               45                                                                                                46                       Back to Index >
 Statements
 Current monthly statement (e-mail)                                         Free
                                                                                            Retail Forex
 Current monthly statement (post)                                           Free
 Dual statement (e-mail and post)                                         R12.60            FNB Foreign Exchange and Payment Solutions
 FNB ATM Mini Statement (view or print)                                    R2.80
 FNB Branch                                                                R6.00
                                                                                            The table below shows the charges for some of the
 Historical Statements:                                                                     common foreign exchange transactions. Please note that
 Paper statement                                                           R6.00            FNB may change these during the year without notice.
 E-Mail (per statement)                                                    R5.00
 Penalty Fees                                                                               Fees that have not changed or have decreased are shown in orange.
 Late Payment Fee (not applicable to NCA accounts with
                                                                         R220.00                                      Foreign exchange bought from FNB
 credit agreements after 1 June 2007)
 Over Limit Fee (not applicable to NCA accounts with credit                                       Description                Flat fee          Commission       Minimum       Maximum
                                                                         R220.00                                                                 charge
 agreements after 1 June 2007)
 Balance Transfer (BT) early settlement fee (not applicable
                                                                                             Cash Passport                                       1.875%         R55.00        No maximum
 to NCA accounts with credit agreements after 1 June                     R255.00
 2007)                                                                                       Initial Card Fee               R110.00                -               -              -
 Other Fees
                                                                                             Travellers Cheques               None               1.875%          R75.00       No maximum
 Changes to Account Limits                                                  Free
                                                                                             Foreign Notes                    None               1.875%          R65.00       No maximum
 Declined Transaction Fee                                                  R6.50
 Bank Cheque Administration Fee                                           R60.00
                                                                                                                            Foreign exchange sold to FNB
 Special Arrangement Fee                                                 R330.00
                                                                                                       Description                 Flat fee       Commission      Minimum      Maximum
 Reschedule Fee                                                           R84.00                                                                    charge
 Budget Facility Setup Fee (if not done at Point-of-Sale)                 R32.00             Cash Passport
 LOTTO / PowerBall Purchase                                                R1.80             Commission (if originally bought           Free            Free           Free       Free
                                                                                             from FNB and proceeds are
 Prepaid Transaction Fee (FNB ATM, Cellphone, Online and
                                                                           R1.70             credited to an FNB Transactional
 Telephone Banking)
                                                                                             Account)
 Card Replacement Fee (per card)(standard 3-day delivery)                 R95.00
                                                                                             Commission (if proceeds are                None           1.875%      R55.00         No
 Unpaid Fees                                                             R220.00             credited to an account other                                                       maximum
                                                                                             than an FNB Transactional
 Arrears Fee (NCA accounts with credit agreements after                                      Account)
                                                                         R120.00
 1 June 2007)
                                                                                             Travellers Cheques
 Fast-track Card Replacement Fee (per card) (24-hour delivery
                                                                         R385.00
 on request)                                                                                 Commission (if originally bought           Free            Free           Free       Free
                                                                                             from FNB and proceeds are
 Card Delivery to the nearest FNB Branch                                    Free
                                                                                             credited to an FNB Transactional
 Card Courier Personal Delivery (free for Platinum Credit                                    Account)
                                                                         R195.00
 Card holders)                                                                               Commission (if proceeds are             None              1.875%      R75.00         No
                                                                                             credited to an account other                                                       maximum
 Temporary Credit Service Fee**                                           R53.00
                                                                                             than an FNB Transactional
                                                                                             Account)
** A monthly service fee in accordance with the National Credit Act and not exceeding the
   maximum permissible.                                                                      Foreign Notes
                                                                                             Commission                                 None           1.875%      R65.00         No
                                                                                                                                                                                maximum
          Convenience and Value Added Service Fees                             Fee

 Send Money to an FNB eWallet                                                                                         Foreign exchange transfers abroad
 Value: R0.01 – R1 000.00                                                     R8.50             Description          Flat fee           Commission charge         Minimum      Maximum
 Value: R1 000.01 – R1 500.00                                                 R12.50         Outward swifts                                     0.5%              R125.00       R660.00
                                                                                             Swift charge            R100.00
Should you require further information on any FNB Credit Card
                                                                                             ZAR fee                 R100.00
products or services, please contact FNB Credit Card Customer
                                                                                             Unpaid/return fee       R150.00
Enquiries on 087 575 1111 or 011 369 2800.
                                                                                             Foreign Cheques                                    0.65%             R150.00       R700.00
                                                                                             Draft charge            R100.00
                                                                                             Unpaid/return fee       R150.00


                                                 47                                                                                        48                      Back to Index >
    Description
                        Foreign exchange transferred from abroad

                            Flat fee     Commission charge         Minimum      Maximum
                                                                                            Home Loans
Inward swifts                                   0.45%              R125.00      R660.00
 ZAR fee                   R100.00
 Unpaid/return fee         R150.00                                                          With a Home Loan from FNB you are one step closer to
Foreign Cheques                                    0.65%           R150.00      R700.00     buying your dream home. Charges applicable to new and
 Unpaid/return fee         R150.00
                                                                                            existing FNB Home Loans are tabled below.

                                       Money gram
                                                                                            Fees that have not changed or have decreased are shown in orange.
                       Send amount (USD)                            Send Fee (USD)
               From                            To                                                         Fee Description                                        Fee

               $0.01                         $100                         $12                Monthly Fees
           $100.01                           $200                         $15                Please note that the monthly service fee
           $200.01                           $400                         $20                applicable to your home loan will be charged          R57.00 for loans granted post
                                                                                             irrespective of the balance outstanding and                 30 June 2008
           $400.01                           $600                         $30
                                                                                             will only cease when the bond is cancelled.
           $600.01                           $800                         $40
                                                                                             New and Further Lending
           $800.01                          $1 000                        $50
                                                                                             Once-off Initiation Fee                                         R5 700.00
           $1 000.01                        $1 200                        $60
                                                                                             Existing Home Loan Fees
           $1 200.01                        $1 500                        $70
           $1 500.01                        $1 800                        $80                Cheque Deposit Fee                                                R15.00

           $1 800.01                        $2 500                       $100                Cash Deposit Fee                                     1.35% of value, minimum R20.00
           $2 500.01                        $5 000                       $150                Cheque and Cash Deposit fees are charged
           $5 000.01                        $7 500                       $250                for deposits made in excess of double the
                                                                                             required monthly repayment.
           $7 500.01                        $10 000                      $300
                                                                                             Building Loan Fees
                                                                                                                                                   First 6 free, thereafter R285.00
                                                                                             Inspection Fee (Construction period only)
                                        Other Fees                                                                                                           per inspection

Multi-Currency Account transfers                                                             Other Fees
Transfer to/from your rand account from/to your foreign                   R50.00             Future Use Withdrawal Fee                                        R1 250.00
currency account
                                                                                             Variation Agreement Fee                                           R285.00
Transfer between currency accounts                                        R50.00
                                                                                             Revaluation Fee                                                  R1 250.00
Withdrawal or deposit using another Forex product                   Charges levied as per
                                                                     Forex product used      Early Termination Fees
Credit Interest rate: LIBID LESS                                          1.50%                                                               An early termination fee is charged when
Debit Interest rate: LIBOR PLUS                                           1.50%                                                               a Home Loan is cancelled without giving
                                                                                             Early Settlement Fee                             90 days notice. The fee is calculated on
Delivery                                                                                                                                      the outstanding balance at your current
Delivery charge                                                          R135.00                                                                            interest rate.
Failed delivery charge (if customer is not available when                R125.00                                                              A fixed rate breakage fee is charged when
appointment was made)                                                                        Fixed Rate Breakage Fee
                                                                                                                                                a fixed rate is cancelled prior to expiry.
Security charge (for deliveries of value greater than R100 000)       R170.00 per
                                                                     R10 000.00 over
                                                                      R100 000.00           For any fee or FNB Home Loan related queries, please call
Other services                                                                              0860 33 44 55.
VISA letters                                                            On request
Exchange Control Applications to SARB                                   R1 140.00
Attesting Forms NEP. Where appropriate all charges are levied in        On request
Rand and calculated based on the Rand value of the transaction.
International Debit Card usage
International Commission and Conversion fee on purchases and        2.75% of transaction
cash withdrawals                                                           value


You can enquire about other charges for our wide range of foreign
exchange products at your nearest FNB Branch or by calling
08601 FOREX (36739).
                                              49                                                                                         50                      Back to Index >
Important information
•	 FirstRand Bank Ltd reserves the right to change pricing and
   package pricing or introduce new fees from time to time. We will
   give you at least 20 business days notice of these changes on the
   FNB website or on FNB ATMs.
•	 Errors and omissions are excluded.
•	 You must apply for each facility or product we describe
   individually. The grant of any facility or product is subject to you
   meeting the credit and qualifying criteria of that product or facility.
•	 Each facility or product has the normal terms and conditions
   that apply to that facility or product. We agree these terms and
   conditions with the applicant. If there is conflict between such
   terms and conditions and those in the brochure, we will follow the
   normal terms and conditions that apply to such facility or product.
•	 The Bank reserves the right to change at any time the features of
   any product or facility.
•	 First National Bank, a division of FirstRand Bank Ltd, is an
   Authorised Financial Services and Credit Provider.



We may change these prices


FNB may at any time change these prices or introduce new fees.
We will give at least 20 business days notice of these changes on the
FNB website at www.fnb.co.za or on FNB ATMs.



Standard Terminology


To assist you in comparing FNB’s charges with those of other
banks, we have, as far as possible, used standardised terminology
thoughout this guide. This is in accordance with Section 13 of the
Code of Banking Practice (COBP). In the case where we have used
FNB-specific terminology, we have added the table below indicating
the appropriate standardised terminology which may be used by
other banks.


    FNB Term (as per pricing guide)            Standardised Terminology
            Card Purchase                            Card Transaction
               Payment                        Third Party Payment / Stop Order
                Cheque                     Cheque Payment / Cheque Encashment




                                      51                    Back to Index >

				
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