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