Pricing guide
1 July 2015 – 30 June 2016
Private Wealth
Get exclusive
value from
banking with us.
Terms, conditions and rules apply.
First National Bank - a division of FirstRand Bank Limited.
Introduction
Ways to bank
eBucks Rewards and benefits
FNB Private Wealth accounts
FNB Private Wealth Credit Card
FNB Forex
FNB Private Wealth Business Account
Home Loan, Structured Loan and Single Credit Facility
Important information
Contact us
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Contents
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01
This pricing guide has been designed to assist
you in understanding your bank charges and to
help you make banking choices that enable you
to get the most out of banking with us.
The fees outlined in this guide are VAT
inclusive and are effective from 1 July 2015
to 30 June 2016.
Introduction
FNB Private Wealth is committed to providing you with exclusive
private banking and advice-led wealth management of the
highest standard.
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Ways to bank
Making once-off payments and transfers.
Applying for credit or increasing your credit limit.
Setting up scheduled payments and transfers.
Retrieving historical statements.
Card and PIN maintenance.
Stopping cheques and/or debit orders.
Ordering Forex.
Global Payments and Receipts.
Making prepaid purchases.
Online Banking and the FNB Banking App
Make use of our innovative, secure and intuitive electronic channels
to perform day-to-day transactions such as:
General banking queries.
Banking transactions.
Fraud queries.
Card renewals/activations or cancellations.
Official bank letters required by institutions (eg, Visa letters).
Our Service Suite is committed to assisting you with all of your
day-to-day banking needs such as:
Dedicated 24/7 Service Suite
Swipe your card instead of using cash. It is safer, cheaper, more
convenient and qualifying clients earn eBucks.
03
Earn up to
100% back in
eBucks on your
100%
eBucks Rewards and benefits
As a valued FNB Private Wealth client, you have access to
rewards at the highest level on your FNB Private Wealth
Cheque and Credit Cards.
Safe and convenient shopping complete with the
best rewards
swipe your FNB
Private Wealth
Credit Card
Earn up to 3%
back in eBucks
when you
3%
swipe your FNB
Private Wealth
Cheque Card.
and up to
1.5% back
when you
1.5%
shop online
or purchase
internationally
using your FNB
Private Wealth
Credit Card
Earn up to 6%
back in eBucks
when you
6%
using your FNB
Private Wealth
Cheque Card.
and up to
3% back
when
3%
fill up at any
fuel station,
Earn up to 15%
back in eBucks
when you
15%
or when
using Uber
domestically.
buy Gautrain
tickets,
Earn up to 5%
back in eBucks
when you
5%
Earn up to 15%
back in eBucks
when you
15%
transaction charges
when you send or receive
foreign currency online
Earn up to 50%
back in eBucks
on your
or via the FNB
Banking App.
transaction charges when receiving foreign currency
regularly by authorising FNB Forex to convert these
funds on your behalf with a standing instruction.
Earn up to
100% back in
eBucks on your
100%
or buy prepaid electricity
electronically through FNB.
load prepaid
airtime
buy groceries on
your FNB Private
Wealth Credit Card
your FNB
Private Wealth
Cheque Card.
and up
to 2.5%
back on
2.5%
smartphone
active
FNB tablet,
or laptop
contract monthly
subscription fee.
50%
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Terms, conditions and rules apply.
1FREE Lounge access is reward-level dependent.
Unlimited access to SLOW Domestic Lounges and SLOW
International Lounges.
1Unlimited access to Bidvest Premier Lounges.
1Access to SLOW in the City.
1Access to Priority Pass International Lounges.
1Access to airport and business lounges
FREE AA Emergency Roadside Assistance on your linked FNB Private
Wealth Petro Card.
FREE Comprehensive Global Travel Insurance when using your FNB
Private Wealth Cheque or Credit Card to pay for return local and
international travel tickets.
Our designated driver service will get you home safe and sound with
10 FREE Take Me Home trips per annum (available on your linked FNB
Private Wealth Petro Card).
Peace of mind for you and your family with
Access to discounts on data
100%
monthly Uncapped ADSL data
subscription through FNB Connect.
Get up to
100% off your
All your travel arrangements (flights, car rental and accommodation).
Gifting services like ordering flowers, wine, gift vouchers and hampers.
Lifestyle experiences such as spa days, hot air balloon rides and
luxury picnicking.
Dining reservations and sourcing sport and event tickets.
Up to eight complimentary Avis Point2Point one-way trips per annum.
Up to 12 complimentary visits to Priority Pass International Lounges
per annum.
115% discount on Speed Pass – a VIP meet-and-assist airport service at
over 285 international airports worldwide.
Convenience with
eBucks Lifestyle
Up to 40%
discount on
and selected
Kulula and
Emirates flights.
domestic car
hire booked
through Avis
40%
Convenience with
eBucks discounts
05
FNB Private Wealth accounts
At FNB Private Wealth, we understand that your life consists of
more than the assets you have accumulated. That’s why we give
more of our time to fully understand your needs and help grow
your wealth with comprehensive advice for all of your local and
global wealth management requirements.
What an FNB Private Wealth Account offers you
oA dedicated Private Banker and access to a team of fiduciary,
lending, wealth management and foreign exchange specialists.
o
Access to our 24/7 Service Suite to assist with your day-to-day
banking needs.
o
FREE access to our secure and convenient electronic channels
such as Online Banking and the FNB Banking App to perform
your day-to-day transactions.
o
Hassle-free debit order and salary switching.
o
FREE card replacement and delivery as well as no annual card fees.
oFREE monthly email statements.
o
FREE subscription to inContact, which alerts you of activity on
your account.
o
FREE payment notifications that alert recipients of payments
you have made to their accounts.
o
An overdraft facility with instant access to your funds, as well as
a linked, personalised interest rate.
o
Smartphones and tablets at discounted prices over a
24-month period with 0% interest.
o
Flexible pricing options to suit your personal transactional behaviour.
Cheque Account
From our all-inclusive bundle of transactional products with no
transaction limits, to our seamless transactional channels and
the best in benefits and rewards, our focus remains on adding
exclusivity and incomparable value to you and your family’s future.
The FNB Private Wealth Cheque Account is an innovative private
banking account that offers you convenience and simplicity,
allowing you to manage all your financial needs in a way that best
suits you.
Structured Facility
This is truly the one account that uses the concept of debt
consolidation and offers both debit and credit balance
functionality, together with transactional banking. It is no longer
necessary to maintain both a current account and a loan account,
as the Structured Facility combines these two accounts into one.
The defining feature is the ability to hold a single balance at any
one time. It is structured around the principle that interest is
calculated daily on your outstanding balance, so whenever the
outstanding balance on your loan is reduced, you save on interest.
There are four different pricing options to choose from. Note that
these pricing options are not applicable to business accounts.
1. Unlimited pricing option
For a fixed account fee per month, you get the following on your
FNB Private Wealth Cheque Account and Structured Facility:
o
Unlimited electronic transactions.
o
Unlimited FNB ATM and other banks’ ATM withdrawals
(including local and international ATM withdrawals).
o
FREE value-added services such as LOTTO purchases,
Pay & Clear Now, GEO Payments, prepaid purchases and
sending money to eWallet.
2. Bundled pricing option
You pay a single discounted monthly account fee for an
all-inclusive bundle of transactional products, which gives you all
the benefits of the Unlimited pricing option including the monthly
fees for your:
o
FNB Private Wealth Cheque Account and Structured Facility.
oFNB Private Wealth Credit Card.
o
Overdraft (FREE when you do not exceed your overdraft limit).
oFNB Securities Online Trading Account.
o
FNB Will held in safe custody.
oFNB Global Account.
Note that the Bundled pricing option is not applicable to
joint accounts.
If you maintain a credit balance of at least R100 000.00 on the
Bundled or Unlimited pricing options throughout the month, you
earn interest and pay no monthly account fee.
3. High Touch Banking pricing option
This pricing option allows you to pay a single fee across your portfolio
of accounts, excluding your credit card and business accounts.
For a negotiable monthly account fee, you will receive unlimited
banking transactions across our electronic channels on your
portfolio of cheque accounts which are on the High Touch Banking
pricing option. Refer to the Unlimited pricing option in the table to
follow for applicable fees excluding ATM deposits, branch, manual
transactions and penalty fees (which will attract standard
Pay-As-You-Use fees).
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Fees for Unlimited and Bundled pricing options
Pricing option
Unlimited
Bundled
Monthly account fee R299.00 R399.00
Minimum balance for rebate R100 000.00
Other product fees included in your monthly cheque
account fee –
Cheque Account or Structured Facility Credit Card
Overdraft fee (FREE when you do not exceed your overdraft limit) FNB Securities Online Trading Account FNB Will held in safe custody FNB Global Account Monthly credit service
fee (overdraft) R57.00 R57.00
Rebate on monthly credit service fee (when you do not use more than your overdraft limit)2
R22.00 R57.00
Card purchases3 FREE
Prepaid purchases FREE
Payments and transfers (FNB Banking App, Online Banking, Cellphone Banking, Telephone Banking – consultant assisted, IVR and Speech)
FREE
Cheque payments FREE
Debit orders
(internal and external) FREE
Cash@Till™ withdrawals FREE
FNB ATM withdrawals FREE
Other banks’ ATM withdrawals (local and international)3
FREE
FNB ATM cash deposits4 1 FREE FREE
eBucks Rewards subscription FREE
Subscription to inContact, Online Banking, Cellphone Banking, Telephone Banking and FNB Banking App
FREE
2Refer to terms and conditions of credit agreement.
3International currency commission and conversion fee of 2.75% of the transaction value applies. 4Up to a total of R20 000.00 FREE per month. Not applicable to the High Touch Banking
pricing option.
Note that all fees quoted in the table below are VAT inclusive. Fees
that have not increased or that have reduced appear in
turquoise
.
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Transaction
description
Detail
Balance enquiries
FNB ATM, Cellphone Banking, Telephone Banking (IVR) and FNB Banking App Point of Sale (local and international)
Other banks’ ATM
FNB branch and Telephone Banking (consultant assisted)
Statements
Official monthly email statement Cellphone Banking mini-statement FNB ATM mini-statement
Historical email/downloaded statements (FNB branch, Telephone Banking and Online Banking)
Other fees
Unsuccessful transactions (FNB ATM, Point of Sale, scheduled and other banks’ ATM)
Card replacement (Cheque/Debit/Petrol Cards)
Value-added services fees
LOTTO/PowerBall purchases Cardless cash withdrawals Pay & Clear Now Send money to eWallet Other banks’ ATM withdrawals
Additional online statements (daily, weekly, twice monthly) My Limit Alert subscription
Scheduled payment alert subscription Balance alert subscription (daily, weekly, monthly) Payment notifications (email, SMS, fax) Card and device courier fee
Online Banking password reset (Telephone Banking – consultant assisted) Online Banking account verification (FNB accounts and other banks’ accounts) Viewing of payment history (older than 3 months)
Transactions not mentioned, or in excess of the aforementioned
limits, will be charged at Pay-As-You-Use rates.
4. Pay-As-You-Use (PAYU) pricing option
On this pricing option, you are charged for each transaction at the
applicable fee.
Transaction description
Fee
Monthly account fee R99.00
Monthly credit service fee (overdraft) R57.00 Rebate on monthly credit service fee (when you do not use more than your overdraft limit)6 R22.00 Monthly petrol card fee (linked to your FNB Private Wealth Cheque Account) R15.50 Monthly device payment7 Device dependent Subscription to inContact, Online Banking,
Cellphone Banking, Telephone Banking and
FNB Banking App FREE
6Refer to terms and conditions of credit agreement.
7Only applies if you have taken up an FNB smartphone/tablet/laptop offer.
Other FREE transactions
The transactions tabulated below are included in your monthly
account fee:
Excluded transactions
The following transactions will be charged for in addition to your
monthly account fees:
Transaction description
Fee
Purchases Card purchases
Card purchases8 FREE
Petrol Card fuel purchases R5.00 Prepaid airtime purchases
FNB Connect prepaid airtime purchases (FNB ATM, Online Banking, Cellphone Banking, FNB Banking App, Telephone Banking – IVR) FREE Other prepaid airtime purchases (FNB ATM, Online Banking, Cellphone Banking, FNB
Banking App, Telephone Banking – IVR) R1.10
Other banks’ ATM R9.00
Telephone Banking (consultant assisted) R9.00
8International currency commission and conversion fee
of 2.75% of the transaction value applies.
Pricing option
Unlimited
Bundled
Monthly petrol card fee (linked to your FNB Private
Wealth Cheque Account) R15.50
Monthly device payment5 Device dependent
08
Linked account transfers
Into linked savings account (Savings Pocket) FREE
Cellphone Banking, FNB Banking App,
Telephone Banking (IVR) R1.50 FNB ATM, Online Banking R3.50 Telephone Banking (consultant assisted) R7.00
FNB branch R50.00
Payments
Cellphone Banking, FNB Banking App,
Telephone Banking (IVR) R1.50 FNB ATM, Online Banking, Telephone Banking
(consultant assisted) R7.00
FNB branch R50.00
Issue of bank cheques (per cheque) R90.00 Internal debit orders (payments to FNB) R3.70 External debit orders (payments to other
service providers) R16.00
Scheduled payments
Scheduled payment establishment/
amendment fee (FNB branch, Online Banking) FREE Stop payment instructions
Online Banking, Cellphone Banking, FNB Banking App, FNB branch, Telephone Banking (consultant assisted and IVR) FREE Payment notifications Email R0.74 SMS R1.15 Fax R5.50 Cheque books 40 form R50.00
Subscription fees (per month)
My Limit Alert R3.00
Scheduled payment alert fee R3.00
Balance alerts (per month)
Daily R15.00
Weekly R3.00
Monthly R1.00
9International currency commission and conversion fee of 2.75% of the transaction value applies.
Deposits Cash deposits
FNB ATM R0.70 per R100.00 (min R5.50)
FNB branch R1.65 per R100.00 (min R50.00)
Cheque deposits
FNB ATM/FNB branch R30.00
Special clearance fee R100.00
Effects not cleared upliftment fee R100.00 Balance enquiries
FNB ATM, Online Banking, Cellphone Banking, FNB Banking App, Telephone Banking – IVR FREE Point of Sale (FNB Private Wealth Cheque
Cards only) R1.50
FNB branch and Telephone Banking
(consultant assisted) R5.00
Other banks’ ATM R5.00
International Point of Sale balance enquiries R5.00 Statements
Emailing of current monthly statement
(plus optional workable data files) FREE Monthly posted statement (per statement) R13.00
Mini-statements (Cellphone Banking) FREE
Mini-statements (FNB ATM) R3.00
Printed statements (Smart Kiosk, per page) R3.50
Printed statements (FNB branch, Telephone
Banking, per page) R13.00
Historical statements (Online Banking, older
than 3 months) FREE
Provisional email statement (FNB branch, Telephone Banking, per statement) FREE
Additional statements (fee per month) Paper Online
Daily R100.00 R48.00
Weekly R40.00 R22.00
Twice monthly R20.00 R12.00
Cash withdrawals
FNB/other banks’ Slimline ATM R5.00
FNB ATM R3.95 + R1.30 per R100.00
Other banks’ ATM R6.50 + FNB ATM fee
Cash withdrawals
International ATM cash withdrawals9 R50.00
FNB branch/cheque R50.00 + R1.65 per R100.00 International branch9 R50.00 + R1.65 per R100.00
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Payment honouring fee Value per payment
R0.00 – R1 000.00 R50.00
R1 000.01 + R75.00
Credit-related fees (applicable to NCA clients) Monthly service fee (revolving loan) R57.00
Value-added services fees LOTTO/PowerBall purchases, prepaid
electricity, prepaid Pay TV, iTunes, traffic fines R1.75
MultiChoice payments R5.00
Pay & Clear Now R40.00
Cardless cash withdrawals R5.00
Send money to eWallet
R20.00 – R3 000.00 R9.50
Reversal of incorrect ’Send money to
eWallet’ transaction R25.00
Send money to Zimbabwe/Mozambique
R20.00 – R1 000.00 R45.00
R1 000.01 – R2 000.00 R70.00
R2 000.01 – R3 000.00 R105.00
Other fees
FNB Private Wealth Visa Cheque Card/
Chip & PIN card replacement FREE
Card courier fee FREE
Cheque book courier fee FREE
Voucher retention (Online Banking) FREE
Voucher retention (FNB branch, Telephone
Banking – consultant assisted) R50.00 Online Banking payment history (older than
3 months) FREE
Online Banking account verification fee (FNB and other banks’ accounts) R4.60 Wrongfully disputed debit order fee (if disputed after 40 days and valid agreement exists) R130.00
Structured Facility lending fees
Existing facility
Fee
Monthly lending fee (only applies to clients with facilities concluded prior to 1 June 2007 and with a facility size of less than R500 000.00) R5.70 Monthly lending fee (only applies to juristic clients and facilities with credit agreements
concluded prior to 1 June 2007) R205.00 Monthly lending fee (only applies to facilities
with credit agreements concluded post
1 June 2007) R57.00
Note that the monthly service fee applicable to your facility will be charged irrespective of the balance outstanding and will only cease when the bond is cancelled.
New facility
Fee
Once-off initiation fee (only applicable to
clients that fall within the ambit of the NCA) R5 700.00 Structuring fee (only applicable to
juristic clients) % of deal size and is variable based ondeal structure
Building loan fees
Fee
Inspection fee (construction period only) First 6 FREE, thereafter R345.00 per inspection
Revaluation fee R1 475.00
Early termination fees
A fixed rate breakage fee is charged when a fixed rate is cancelled prior to expiry
Other fees
Fee
Unpaid debit order fee (only applicable to
juristic clients) R200.00
Bank cheque commission R90.00
Non-standard guarantee fees
Fee
Property guarantees R1 500.00
Performance guarantees 1.7% p.a. of value of guarantee (min R1 500.00) Once-off performance guarantees (if client
uses own funds to issue the guarantee) R1 500.00 Penalty fees
FNB ATM declined transaction fee (insufficient funds or daily limit exceeded) FREE Other FNB declined transaction fee
(local and international Point of Sale,
scheduled payment) R8.00
Other banks’ ATM declined transaction fee (insufficient funds or daily limit exceeded) R8.00
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FNB Private Wealth Credit Card
An FNB Private Wealth Credit Card is about more than money,
it’s about fulfilling your aspirations and goals. It’s the ultimate
transactional banking tool that offers you flexibility in terms of
pricing, while offering you exclusive benefits that are suited to
your lifestyle.
What an FNB Private Wealth Credit Card offers you
oUp to 55 days interest FREE.
o
Up to five FREE additional secondary credit cards.
oUp to five FREE linked Petro Cards.
o
FREE eBucks Rewards subscription.
o
FREE card initiation if you spend R500.00 or more on your
credit card within the first month.
o
FREE monthly email statements.
o
FREE AA Emergency Roadside Assistance on your linked
Petro Card.
o
FREE Take Me Home designated driver service on your linked
Petro Card.
o
FREE Comprehensive Global Travel Insurance.
oFREE credit card swipes.
o
FREE lost card protection and PIN replacement.
o
FREE subscription to our secure and innovative self-service
electronic channels (Online Banking, Cellphone Banking and
the FNB Banking App) that allow you to bank anywhere
and everywhere.
o
FREE protection against fraud with Online Secure.
o
Enhanced in-store security with Visa’s Chip & PIN technology.
Your FNB Private Wealth Credit Card fees are segmented in the
table to follow. Fees that have not increased or that have reduced
appear in
turquoise
.
Monthly account fees
Fee
Standalone monthly credit card fee R171.00 Credit facility service fee (included in Bundled
pricing option) R11.00
Additional credit card fee (linked to your FNB Private Wealth Credit Card)10 FREE Petro Card fee (linked to your FNB Private
Wealth Credit Card)10 FREE
Once-off initiation fee (for new accounts only) R150.00
Fees
Credit Card Monthly Rewards Fee Card purchases
Credit card purchases11 Credit card budget purchases11
Linked account transfers and account payments IVR Smart Transfer to FNB
Balance enquiries FNB ATM FNB branch International ATM Other banks’ ATM Statements
Official monthly email statement FNB ATM mini-statement Historical email statements Other fees
Changes to account limits Card replacement (including delivery) Card delivery to nearest FNB outlet Card delivery courier fee
10Limited to five FREE cards, thereafter a card fee of R14.50 per month will apply per additional
credit card and R25.00 per month per linked Petro Card.
FREE transactions
The transactions tabulated below are FREE on the Standalone and
Bundled Credit Card options:
Other fees
Bank cheque administration fee R80.00 FREE
Declined transaction fee R8.00 FREE
11
Transaction description
Standalone
Credit Card
Bundled
Credit Card
Purchases
Fuel transaction fee (Petro Card only) R5.00 FREE
Linked account transfers and account payments
Linked account transfers R3.50 FREE
Third party payments (including IVR Smart
Transfer payments) R7.00 FREE
Telephone Banking (consultant assisted) R50.00 FREE
Transfers and payments (FNB branch) R50.00 Cash withdrawals
FNB ATM R3.95 + R1.30per R100.00 FREE
Other banks’ ATM R6.50ATM fee + FNB FREE
FNB branch R50.00 + R1.65 per R100.00
International ATM/branch12 R30.00 + R1.65 per R100.00 FREE Cash on budget R50.00 + 2.50% of withdrawal value FNB Mini-ATM and other banks’ Mini-ATM R3.95 + R1.30per R100.00 FREE
Cheque deposits
Cheque deposit R27.50
Cash deposits
FNB ATM with Automated Deposit Terminal (ADT) R0.70 per R100.00 (min R5.50) FNB branch and FNB ATM with envelope deposit R1.65 per R100.00 (min R50.00) Cheque clearance
Cheque clearance fee R265.00
Voucher retrieval requests
Local R85.00
International R265.00
Excluded transactions
The following transactions will be charged for in addition to your
monthly account fees:
12International currency commission and conversion fee of 2.75% of the transaction value applies.
This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATMs charge an additional surcharge.
Other fees
Fast-track card replacement fee (per card,
24-hour delivery on request) R400.00
Section 129 letter fee R59.79
Value-added services fees Send money to eWallet
R20.00 – R3 000.00 R9.50 FREE
Reversal of incorrect ’Send money to
eWallet’ transaction R20.00 FREE
Cardless cash withdrawals R3.00 + FNB ATM fee FREE
Pay2Cell R3.80 FREE
Prepaid transaction fee (FNB ATM, Cellphone Banking, Online Banking
and Telephone Banking) R2.20 FREE
LOTTO/PowerBall purchase R2.20 FREE
FNB Forex
Bring the world closer with our foreign exchange solutions
FNB Forex offers a range of foreign exchange solutions to suit
your needs; whether you are travelling, sending or receiving
money globally, saving in a foreign currency with a Global Account,
managing imports and exports, or investing offshore. Forex is the
simple and convenient way to transact around the world.
Travelling abroad
o
Buy foreign notes online and have them delivered to your door.
oPurchase a Multi-currency Cash Passport
TMvia your Private
Banker or the Forex Advisory Team and have access to 4
currencies on 1 card when travelling.
o
Pay in advance for travel arrangements such as car hire, cruises
and theatre tickets via Online Banking or the FNB Banking App
and earn eBucks.
13Back to top
12
Sending and receiving money from abroad
o
Make global payments for a host of reasons; including gifts,
tuition or investments.
o
Save beneficiaries and upload documents online, making it
easier for you to transact anywhere, anytime.
o
Earn eBucks when you send and receive foreign currency via
Online Banking or the FNB Banking App.
13o
Make person-to-person payments within 10 minutes to
individuals abroad who don’t have bank accounts with
MoneyGram
TMfrom FNB. MoneyGram
TMis available in more
than 200 countries worldwide.
Diversify your investments – open a Global Account
o
Open and manage your Global Account online in various
currency options.
o
No minimum balance required and you earn interest.
oNo monthly fees.
o
Make payments abroad or between your accounts via
Online Banking.
o
Earnings from abroad can be paid directly into your
Global Account.
Get rewarded
o
Earn up to 50% back in eBucks on the transaction charges
when sending or receiving foreign currency online or via the
FNB Banking App.
13+14o
Earn up to 100% back in eBucks on the transaction charges
when receiving foreign currency regularly by authorising FNB
Forex to convert these funds on your behalf.
1313Subject to standard eBucks earn rules.
14Global Payments and Receipts are only available via the FNB Banking App on your smartphone.
Terms and conditions apply.
For more information on our Forex solutions, contact the
Forex Advisory Team on 0860 4 FOREX (36739) or
visit www.fnb.co.za/forex
Travel products bought from FNB
Online Banking/
Call Centre
FNB branch
Cash Passport
Initial load fee (per currency) R80.00 R130.00 Cash Passport commission 1.85% (min R65.00) 1.95% (min R70.00) Foreign notes
Foreign notes commission 1.85% (min R70.00) 1.95% (min R75.00) LSL, NAD, SZL notes commission 3.10% (min R90.00) Delivery
Delivery fee FREE
Travel products sold to FNB
Online Banking/
Call Centre
FNB branch
Cash Passport
If credited to an FNB transactional account FREE
If paid out in cash or credited to any
other account 1.75% (min R65.00) 1.90% (min R70.00) Foreign notes
Foreign notes commission – 1.95% (min R75.00)
LSL, NAD, SZL notes commission – 3.10% (min R90.00)
International payments
Online Banking/
FNB Banking App
FNB branch/
Call Centre
Global Payments (SWIFT)
Commission 0.52% (min R135.00, max R680.00) 0.54% (min R145.00, max R680.00)
SWIFT fee R105.00
Additional fee if payment is sent in South
African rand R130.00
Global Receipts (SWIFT)
Commission 0.50% (min R140.00, max R680.00)
Additional fee if payment is received in
South African rand R130.00
Foreign cheques
All channels
Drafts
Commission 1.25% (min R230.00, max R900.00)
Draft fee R100.00
Bills negotiable
13
MoneyGram
TMSend fee (USD)
$0.01 – $50.00 $7.00 $50.01 – $100.00 $10.00 $100.01 – $150.00 $11.00 $150.01 – $200.00 $13.00 $200.01 – $250.00 $15.00 $250.01 – $300.00 $17.00 $300.01 – $400.00 $19.00 $400.01 – $500.00 $24.00 $500.01 – $600.00 $29.00 $600.01 – $700.00 $34.00 $700.01 – $800.00 $39.00 $800.01 – $900.00 $44.00 $900.01 – $1 000.00 $49.00 $1 000.01 – $1 200.00 $55.00 $1 200.01 – $1 500.00 $63.00 $1 500.01 – $1 800.00 $70.00 $1 800.01 – $2 500.00 $90.00 $2 500.01 – $5 000.00 $140.00 $5 000.01 – $7 500.00 $240.00 $7 500.01 – $10 000.00 $290.00
Other products and services
Fee
Forward exchange contracts
Establishment R105.00
Drawdown (per drawdown) R105.00
Cancellation R105.00
Extension R105.00
Exchange Control applications to the SARB
Fee per application min R1 200.00
Special request or follow-up discretionary
admin fee min R100.00
Low-value Global Receipts
(SWIFT) and bills negotiable
Commission
Received in a foreign currency
R0.00 – R100.00 R31.00
R100.01 – R500.00 R62.00
R500.01 – R1 000.00 R118.00
R1 000.01 + Normal charges as per product pricing schedule Received in South African rand Commission ZAR fee
R0.00 – R100.00 R31.00 FREE
R100.01 – R500.00 R62.00 FREE
R500.01 – R1 000.00 R118.00 FREE
R1 000.01 – R2 000.00 R140.00 R30.00
R2 000.01 – R3 000.00 R140.00 R88.00
R3 000.01 + Normal charges as per product pricing schedule
Global Receipts (Pension)
Commission
R0.00 – R1 000.00 R16.00 R1 000.01 – R5 000.00 R32.00 R5 000.01 – R10 000.00 R48.00 R10 000.01 – R25 000.00 R51.00 R25 000.01 – R40 000.00 R53.00 R40 000.01 + R55.00
Global Account
Fee
Interest rate View on www.fnb.co.za
Transfer to/from your rand current account R55.00 Transfer between Global Accounts R55.00 Withdrawal or deposit using another
Forex product Charges levied as per Forex product used
14
Out-of-bundle rates should you exceed the specified number of
debit transactions
FNB ATM withdrawals and other electronic debit transactions (per transaction)15 R18.00 R17.00 R16.00 Cash deposited at FNB ATM Advance only R3.75 + R0.60 per R100.00 or part thereof R3.75 + R0.55 per R100.00 or part thereof R3.75 + R0.50 per R100.00 or part thereof15Debit transactions include all debit orders, payments and transfers performed via the FNB
Banking App, FNB ATMs, Online Banking and Cellphone Banking, excluding cheque and branch transactions, Pay & Clear Now, transactions using Online Banking EnterpriseTM (Role Separation)
and other banks’ ATMs.
Transactions not mentioned, or in excess of the limits above,
will be charged at FNB Private Wealth Business Account
Pay-As-You-Use rates.
Pay-As-You-Use pricing option
On this pricing option, you are charged for each transaction at the
applicable fee.
Monthly account fees
Fee
Account fee R99.00
Monthly Petro Card fee (linked to your FNB
Private Wealth Business Account) R15.50 Monthly credit service fee (only charged when you use R200.00 or more of your overdraft) R57.00
Description
Option 1
Option 2
Option 3
Electronic debit transactions15 30 transactions which include a maximum of 5 FNB ATM withdrawals 50 transactions which include a maximum of 10 FNB ATM withdrawals 75 transactions which include a maximum of 10 FNB ATM withdrawals Cash deposited at FNB ATM Advance only Unlimited cash deposits of up to R50 000.00 per month Unlimited cash deposits of up to R100 000.00 per month Unlimited cash deposits of up to R250 000.00 per month
FNB Private Wealth
Business Account
The FNB Private Wealth Business Account is suited to sole
proprietors, incorporated businesses, partnerships, companies,
close corporations, trusts and co-operatives. It provides a flexible
and simple way to conduct all business transactions and pay for
day-to-day operations.
With your FNB Private Wealth Business Account, you can choose
between the Pay-As-You-Use (PAYU) pricing option or one of our
three Single Fee pricing options. Fees that have not increased or
that have reduced appear in
turquoise
.
Single Fee pricing options
There are three Single Fee pricing options to choose from. With
these options, you are charged a service fee upfront and do not
have to monitor your transaction fees each month.
Description
Option 1
Option 2
Option 3
Monthly account fee R220.00 R320.00 R470.00
Point of Sale
card purchases Unlimited Unlimited Unlimited Prepaid purchases
(Online Banking, FNB Banking App, FNB ATM, Cellphone Banking)
15
Excluded transactions
The following transactions will be charged for in addition to your
monthly account fees:
Transaction description
Fee
Purchases Prepaid purchases
Prepaid purchases – FNB Electronic
Banking channels R1.10
Prepaid purchases at other banks’ ATM R9.00 Prepaid purchases – Telephone Banking
(consultant assisted) R9.00
Card purchases
FNB Private Wealth Business Cheque Card purchases (local and international)16 FREE Petrol Card fuel purchases R5.00 Inter-account transfers
Electronic transfers (FNB ATM, Online Banking – No Role Separation, Telephone Banking –
IVR, scheduled) R4.00
Consultant-assisted transfers
(Telephone Banking) max R8.95
Consultant-assisted transfers (FNB branch) R4.00 Account payments
Electronic third party payments (FNB ATM, Online Banking – No Role Separation, Telephone Banking – IVR and consultant assisted) max R8.95 Internal debit orders (debit orders raised by
FNB Card, FNB Home Loans, WesBank, FNB Loans, FNB Funeral Cover) R4.00
External debit orders R17.50
Cheque payments (per item) R85.00 Consultant-assisted third party payments
(FNB branch) R50.00
Issue of bank cheques (per cheque) R90.00 Express clearing payments (Online Banking, FNB branch, participating banks only) R40.00 Payment honouring fee (per item) R145.00 Scheduled payments
Scheduled payment establishment/
amendment fee (Online Banking, FNB branch) FREE Stop payment instructions
Online Banking, Telephone Banking, FNB branch FREE
16International currency commission and conversion fee of 2.75% of the transaction value applies.
Payment notifications Email/SMS/fax FREE Cheque books 40 form R50.00 Deposit books 100 pages (non-MICR) R32.00
100 pages (MICR encoded) R32.00 Subscription fees
Online Banking, Telephone Banking,
inContact-Pro FREE
Scheduled payment alert fee (per month) R3.00
Balance alerts (per month)
Daily R15.00
Weekly R3.00
Monthly R1.00
Cash withdrawals
Cash@Till™ – Point of Sale FREE
FNB Slimline ATM (withdrawal limits may apply) R1.75 + R0.60 per R100.00 or part thereof Other banks’ Mini-ATM R2.40 + R0.90 per R100.00 or part thereof FNB ATM R3.95 + R1.45 per R100.00 or part thereof Other banks’ ATM R11.50 + R1.45 per R100.00 or part thereof FNB branch Cheque service fee (min R40.00) + cash handling fee Cash handling fee at FNB branch
Value per withdrawal
R0.00 – R4 999.99 R2.54 per R100.00 or part thereof R5 000.00 – R14 999.99 R1.95 per R100.00 or part thereof R15 000.00 – R49 999.99 R1.62 per R100.00 or part thereof R50 000.00 and greater R1.50 per R100.00 or part thereof Deposits
Cheque deposit at FNB branch (per deposit) R30.00
Special clearance fee R100.00
Effects not cleared upliftment fee R100.00 per R10 000.00 or part thereof(min R500.00, max R5 000.00) Cash deposits
16
Cash deposit fee at FNB branch
Value per deposit (min R30.00)
R0.00 – R4 999.99 R8.40 + R2.54 per R100.00 or part thereof R5 000.00 – R14 999.99 R8.40 + R1.49 per R100.00 or part thereof R15 000.00 – R49 999.99 R8.40 + R1.40 per R100.00 or part thereof R50 000.00 and greater R8.40 + R1.18 per R100.00 or part thereof Cash deposit fee at FNB Bulk Cash Centres
Value per deposit (min R30.00)
R0.00 – R4 999.99 R5.00 + R2.34 per R100.00 or part thereof R5 000.00 – R14 999.99 R5.00 + R1.67 per R100.00 or part thereof R15 000.00 – R49 999.99 R5.00 + R1.39 per R100.00 or part thereof R50 000.00 and greater R5.00 + R1.04 per R100.00 or part thereof Balance enquiries
FNB ATM FREE
Point of Sale (FNB Private Wealth Business
Cheque Cards only) R1.50
FNB branch and Telephone Banking
(consultant assisted) R5.00
Other banks’ ATM R5.00
International Point of Sale balance enquiries R5.00 Statements
Emailing of current monthly statement
(plus optional workable data files) FREE Monthly posted statement R14.00 Mini-statements (FNB ATM) R3.00
Emailing of historical statements (older than 2
months, per statement) R6.00
Provisional statement (FNB branch, Telephone
Banking, per page) R13.00
Additional statements (fee per month) Paper Online
Daily R100.00 R48.00
Weekly R40.00 R22.00
Twice monthly R20.00 R12.00
Penalty fees
FNB ATM declined transaction fee
(insufficient funds or daily limit exceeded) FREE Other FNB declined transaction fee (local and international Point of Sale) R8.00 Other banks’ ATM declined transaction fee (insufficient funds or daily limit exceeded) R8.00
Inward unpaid fee R105.00
Unpaid cheques and/or debit orders R175.00
Card and other related fees
FNB Private Wealth Business Cheque Card/
Chip & PIN card replacement R120.00
Voucher retention R50.00
Credit-related fees (applicable to NCA clients) Monthly service fee (where you have used
more than R200.00 of your facility) R57.00 Credit-related fees (applicable to non-NCA clients) Monthly overdraft fee (where you have used
more than R200.00 of your facility) 0.114% of facility (min R57.00, max R1 140.00)
Home Loan, Structured Loan
and Single Credit Facility
The FNB Private Wealth suite of structured lending products
provides finance for your dream home, holiday home or investment
property. Our offering extends to any residential property (freehold
or sectional title), small holdings of up to 8.5ha in an urban or
peri-urban area, as well as vacant stands in residential areas.
For your ease of reference, monthly NCA fees for our product
range have been segmented below. Fees that have not increased
or that have reduced appear in
turquoise
.
Existing facility
Fee
Monthly lending fee (only applies to clients with facilities concluded prior to 1 June 2007 and with a facility size of less than R500 000.00) R5.70 Monthly lending fee (only applies to juristic clients and facilities with credit agreements
concluded prior to 1 June 2007) R205.00 Monthly lending fee (only applies to facilities
with credit agreements concluded post
1 June 2007) R57.00
17
New facility
Fee
Once-off initiation fee (only applicable to
clients that fall within the ambit of the NCA) R5 700.00 Structuring fee (only applicable to
juristic clients) % of deal size and is variable based ondeal structure
Building loan fees
Fee
Inspection fee (construction period only) First 6 FREE, thereafter R345.00 per inspection
Revaluation fee R1 475.00
Early termination fees
A fixed rate breakage fee is charged when a fixed rate is cancelled prior to expiry An early termination fee is charged when a Home Loan is cancelled without giving 90 days’ notice. The fee is calculated on the outstanding balance at your current interest rate
Other fees
Fee
Unpaid debit order fee (only applicable to
juristic clients) R200.00
Bank cheque commission R90.00
Non-standard guarantee fees
Fee
Property guarantees R1 500.00
Performance guarantees 1.7% p.a. of value of guarantee (min R1 500.00) Once-off performance guarantees (if client
uses own funds to issue the guarantee) R1 500.00
Note that the monthly service fee applicable to your facility will be charged irrespective of the balance outstanding and will only cease when the bond is cancelled.
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o
FirstRand Bank Ltd. reserves the right to change pricing and
package pricing or introduce new fees from time to time, giving
you at least 20 business days’ notice of these changes via
direct client communication, the FNB website, ATM messages
and/or on your bank statement.
o
Errors and omissions are excluded.
o
You must apply for each facility or product we describe
individually. The grant of any facility or product is subject to
you meeting, and continuing to meet, the credit and qualifying
criteria of that product or facility.
o
Each facility or product has standard terms and conditions that
apply to that facility or product. We agree to these terms and
conditions with the applicant. If there is conflict between such
terms and conditions and those in this pricing guide, we will
follow the standard terms and conditions that apply to such
facility or product.
o
If your credit facility goes into arrears, you will be liable for
collection fees in accordance with the National Credit Act.
o
