Payment Options - Telephone Banking

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Payment Options - Telephone Banking

How to Register

You will need:

• A cheque account or a smart account number. • An ATM PIN number. Then: • Contact the Callshare number and the Consultant will route your call to the IVR system. • You will need to type in your ATM PIN number on the telephone pad and then confirm the PIN number by pressing the # button. • The voice will request you to make up a 5-digit PIN number. Confirm this number with a # key • The call will now be routed back to a Consultant. • The Consultant will explain the process and answer any questions you may have.

Now you are registered.

• Balance enquiries on all FNB banking accounts. • Transfers between FNB Accounts. • Monthly account payments. • Stop direct debit orders and/or cheques. • Access information about FNB products and services. • Request bank statements excluding Home loan and credit card statements.

Telephone Banking

This is a facility where a verbal instruction is given to a consultant or you can use our IVR system (Interactive Voice Response) to effect funds as per your instructions.

You can now pay your credit

card account by making one call

wherever you are.

Benefits

How to Transact

After registration, the consultant will assist you to link your credit card account to your bank account.

You may transact immediately.

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Payment Options - Cellphone Banking

First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services Provider.

How to Register

Set up a beneficiary on your account through any of the following channels (You need your cheque account number and/or credit card account number): • FNB Internet Banking on www.fnb.co.za • The FNB Cellphone Banking Helpline on 0861 313 210 • Any FNB Branch • Any FNB ATM

How to link your beneficiaries (i.e. Telkom account)

You can link the beneficiaries on www.fnb.co.za or you can call the contact centre to assist you. Please remember to have the banking details of the beneficiary on hand.

Benefits

You are able to: • Make balance enquiries • Make transfers between FNB accounts • Make monthly account payments • Make inter-account transfers • Get mini-statements

How to Transact

There are two methods: 1. SMS Method • Once your beneficiary has been loaded, all you need to do is send an SMS as follows: • PAY <AMOUNT> TO <BENEFICIARY> FROM <ACCOUNT KEYWORD> TO 31321 2. Dial Method • On your cellphone press *120 * 321# and press the call button • A welcome message will appear – key in your 5-digit PIN number, follow the menu and make your selection.

You can now pay your credit card

account by sending one SMS,

wherever you are.

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Payment Options - Cash Payments

First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services Provider. You will need to complete a deposit slip, statement tear-off slip or pay using your card. Remember to use your 16-digit credit card number as a reference for payments Your payment will reflect (on your credit card account) within a maximum of 24 hours You can make a payment at any FNB branch during office hours and on Saturdays between 8h30 and 11h00 Present your deposit slip and cash to a teller/ consultant to process your payment to your credit card account

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A cash payment is one of the ways you can pay your credit card account.

Please note:

• A cash deposit fee is charged if you pay cash into your credit card account

• To avoid this charge, we recommend that you use one of the easy electronic payment methods

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Payment Options - Cheque Payments

How to complete a cheque

The following mandatory fields must be completed: • Date • Payee name (Customer name) • Amount in words • Amount in rands and cents (must correspond with amount in words) • Signature • Your 16-digit card number should be visible on the cheque as reference for payment • Cross your cheque Please note that the cheque must be marked “not transferable” or “not negotiable” boldly across the face of the cheque. The reason for this marking is that a “not transferable” cheque can only be paid into a bank account in the name of the person to whom the cheque has been made out. FNB does not accept post-dated cheques.

How to process cheque payments

You can make a payment at any FNB Branch during office hours and on Saturdays between 8h30 and 11h00

Branch

You will need to complete a cheque and deposit slip or use your card. Remember to use your 16-digit credit card number as a reference for payments. Present your deposit slip and cheque to the teller/consultant so your payment can be processed to your credit card account. Your payment will reflect on your card account within 24 hours. Please remember that a clearance period will apply. This is the period determined by the bank to ensure funds are honoured. You will need to complete a cheque (see how to complete alongside) and post it in a sealed envelope to: FNB Card, P.O. Box 1420, Johannesburg, 2000.

Post

On receipt of the cheque, FNB Card will process your payment to the credit card account number provided, and your cheque account will be debited with the amount that has been authorised. Your card account is now credited and the availability of the funds is subject to a clearance period. Should you wish to clear your funds or that of a third party cheque immediately, you will have to obtain special clearance from your Bank. Please note: this payment method is not recommended, as cheques are often misplaced in the post. A cheque is subject to seven days “uncleared effects” and, if posted, could also be delayed or intercepted. FNB Card does not accept responsibility for loss or theft of such cheques. In addition, it is of utmost importance that the cheque be made out in the name of the Cardholder to prevent monies going to incorrect accounts.

Please note that split cheques will not be accepted

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Payment Options - Internet Payments

What is Internet Banking?

This is a range of banking services that is accessible over the Internet for you to make payments at your convenience. It enables you to link your account details to your credit card via FNB Internet Banking and to do transfers online. Internet Banking payments can also be made from or to other Financial Institutions.

How to make a payment

• Log in to Internet Banking

• Click on “Transfers”

• Click on “between my accounts”

• Select the account from which you will transfer (e.g. cheque account) • Select the account to which you will transfer (e.g. FNB Silver Credit Card) • Type in your transfer description, i.e. what will appear on your cheque account (e.g. Card payment) for easy identification and reconciliation purposes • Type in the transfer reference that will appear on your credit card account (e.g. Card payment) for easy reference and reconciliation purposes • Type in the amount that you would like to transfer • Click “transfer” to proceed (be careful not to click transfer more than once to avoid transferring twice) • Once your transfer is complete, you will receive a reference number confirming that your transfer was successful

What you need

• A computer with Internet access.

• A valid FNB account and a PIN to register, together with a South African identity number.

How to Register

If you are using Internet Banking

You can add FNB Card as an account option and then simply transfer the amount electronically every month.

To make sure you can pay your FNB Credit Card quickly and efficiently, we have put together this easy guide to tell you everything you need to know.

• Go to www.fnb.co.za • Click on the “register” option in the Internet login box of the FNB website • Select the “Internet Banking” check box (read terms and conditions before proceeding) • Click on “continue” and follow the prompts • Once your personal details have been entered, a validation call will follow within 48 hours and you will receive an access number and a PIN code. • You are now ready, so sit back, relax and bank.

You will be able to make inter-account transfers immediately.

You are able to set up future dated/ recurring payments to be credited to your Card account.

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• Visit www.investec.co.za • To add FNB Card as a beneficiary, click on ‘Investec approved beneficiary’. • One of the options available is FNB Card. • Complete the required details including your 16-digit FNB Card number. • The FNB Card beneficiary will appear under the beneficiary list. • When the beneficiary is loaded, go to the payment option to pay your FNB Credit Card.

If you have any questions, please call Investec on (011) 286 9663. • Visit www.nedbank.co.za • Select ‘change a list of beneficiaries’. • Select to add an ‘approved beneficiary’. • Select ‘F’ to add your FNB Credit Card. • Input the 16-digit credit card number. If you have any questions, please call Nedbank on 0860 11 5060. • Visit www.absa.co.za • If you are registered for ABSA Internet banking, you can create FNB Card as a beneficiary under ‘own-defined payments’. • Click on ‘create beneficiary’. • A screen will open where you can complete the details of the beneficiary, including the name i.e. your FNB Card, and the 16-digit card number in the account number field. • You can then go to ‘pay beneficiary’ and make a payment. All you have to do is select FNB Card in the “List of bill payment beneficiaries” and insert the amount.

If you have any questions, please call ABSA on 0860 166 177.

STANDARD BANK

• Visit www.standardbank.co.za. • Select ‘add a new CDI’. • You can then select a beneficiary name, in this case your FNB Credit Card. • Type in a beneficiary reference number, which is your 16-digit FNB Credit Card number.

If you have any questions, please call Standard Bank on 0860 123 000.

Payment Options - Internet transfers work differently for each Internet Banking site:

INVESTEC

NEDBANK

ABSA

It takes up to a maximum of three days (depending on the relevant Bank) for

the Internet payment from other Banks to reflect on your FNB Credit Card.

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Payment Options - Swift Payments

Swift Payments

• S.W.I.F.T. (Society of the Worldwide Internet Financial Telecommunication) is the bank-owned co-operative serving the financial community. • It enables you to make payments from overseas whilst you’re on holiday.

How to make SWIFT Payments

If you want to make a payment, please provide the following information to a Visa affiliated bank: • Recipient Institution: First National Bank Card Division • Address: 3 First Place, 5th floor, Financial Operations, BankCity, Johannesburg 2000 • Use the SWIFT number: FIRNZAJJA • Customer details (name and surname, contact numbers,16-digit credit card number) • Information gets processed and payment credited First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services Provider.

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4 EASY STEPS

Payment Options - Direct Debit Order

Direct Debit Order

• A direct debit order is a written instruction from yourself to FNB Card, which gives FNB authority to debit your transactional account and credit your Card account. We strongly recommend that you pay your credit card using a debit order facility, as it is the most efficient and reliable method. To apply for a direct debit order you are required to supply us with the following information: • Bank account number • Branch code • Branch name • Account type • Card account number • Amount (if you want a specific fixed amount to be deducted) • Name and surname • Payment option, i.e. full, fixed or minimum

Please ensure that the written instruction is signed by the account holder. Fax or post your debit order instruction to us. You will find the forwarding details on your statement or you can refer to the attached contact details sheet.

Other important details to know regarding Direct Debit Orders

• You must ensure that the debit order instruction forwarded to FNB Card is correct. • Please note that your debit order will be effective if loaded before your next statement date, e.g. If your Statement Date is 3 February, and your Due Date is 28 February, you need to forward the details on or before 2 February (a month in advance) to ensure your debit order goes off your account timeously. • Should you wish to change the first payment date, please indicate this on your request form. • It is important to know that you have 3 options to pay via debit order, namely full, fixed or minimum.

(N.B… If the minimum payment exceeds the fixed amount the minimum amount will be debited) • Regularly check your statement to ensure that the correct amount is debited. • The debit order will automatically be cancelled should it be returned as insufficient funds by your bank after two consecutive times, and the relevant fees will be charged.

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The agent will capture your relevant details on receipt of the instruction.

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On the payment due date, your amount payable (either the minimum amount due or the full amount owing) will automatically be deducted from your bank account and your credit card account will be credited subject to one day “uncleared effects”. A fixed amount can also be deducted and credited monthly, which will ensure that your account is always in good standing.

Benefits

• You save time and money. • You save on cash deposit fees. • You avoid the trouble of writing and sending cheques. • Setting up a debit order is free. • Avoid late payment and over limit fees. First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services Provider.

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Payment Options - ATM Transfer

ATM

ATM Transfers

• Allows you to use your credit card at an ATM, access all your FNB accounts and do all your banking transactions. You can use your Card to draw cash from your cheque account, make inter-account transfers, pay bills and link third party accounts for payments. 1. Visit your FNB Branch to link your bank account to your credit card. 2. Transfer your payment from your transactional account to your FNB Credit Card at the ATM.

2 EASY STEPS

Benefits

• By making use of the ATM payment method, you’re saving yourself time and money. • You can transact 24 hours a day, 7 days a week. • If you bank with FNB, the payment transfer will reflect immediately. • It is a very safe method of payment, but remember to always apply safety principles at an ATM. • At the ATM: Insert the ATM card or your credit card. You will be required to enter a PIN. • A list of options is displayed and one of them will be to “transfer” funds. • Follow the displayed instructions and your accounts will be credited electronically.

How to transfer at the ATM

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Payment Options - Inter-account Transfers

ATM

What are Inter-account transfers?

A safe and easy way to transfer money from linked accounts. Transfers can be done at an ATM, FNB Branch, or through Internet and Telephone Banking.

How to transact on the ATM

1. Insert either your FNB Cheque Card or FNB Credit Card at the ATM. 2. You will be required to enter a PIN number. 3. A list of options is displayed and one of them will be “Transfer Payments”.

4. Select “Transfer Payments”. 5. Then select “Transfer between

own accounts”. 6. Select the account from which you will transfer funds (e.g. cheque account). 7. Select the account to which you will transfer funds (e.g. FNB Silver Credit Card). 8. Enter the amount that you would like to transfer. 9. A confirm action screen will be displayed. If this is correct, press the proceed button. 10. Once your transfer is completed, you will receive an ATM slip confirming your transfer was successful. • Your identity document • Your FNB cheque account number Once your FNB accounts are linked you may transact immediately.

You will need

Requirements

FNB accounts must be linked.

How to link my accounts?

This can be done at an FNB Branch or via the telephone, where a service consultant will process your request. You can make an inter-account transfer at an FNB Branch during office hours. 1. Request an inter-account transfer to be done by a teller/service consulant. 2. The teller/service consultant will confirm if your accounts are linked. 3. You will be requested to swipe either your FNB Cheque Card or FNB Credit Card through a speed point machine. 4. This will prompt you to enter a PIN number. 5. Confirm with the teller/service consultant which accounts the funds must be transferred from and to. 6. You will receive a slip confirming your transfer was successful.

How to transact at an FNB

Branch

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Payment Options - Electronic Service Option

What is the Electronic Service Option?

The Electronic Service Option (ESO) is a pricing option that will save you R45 on your annual credit card membership fees. To benefit from this option, adoption of the following is mandatory: • Taking up of free inContact service. • Receiving your monthly statement via e-mail, as opposed to paper. • Electronic payment (i.e. debit order, Internet, inter-account, Smart or ATM transfers or by Cellphone or Telephone Banking) of the full, fixed or minimum amount due. Should you opt for the ESO, please be aware that any cash or cheque payments will attract additional charges.

How to Register

We require the following details in order to register you for the ESO. Simply fax the details to 011 371 0512 or e-mail [email protected] • Full name • Cell number • E-mail address • FNB Credit Card/Petro Card account number/s • Additional FNB Credit Card accounts • Signature

Debit Order Option

• Direct Debit Order details • Bank Account number • Branch • Branch code • Bank First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services Provider.

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Contact Details

Can I change my limits?

Yes, to adjust your limit, please call 011 352 5522 Can I have a Debit Order facility?

Yes, to set up a Debit Order facility, fax a letter to 011 352 9904 or e-mail the details to [email protected] Can I obtain further information regarding S.W.I.F.T. Payments?

Yes, contact 011 369 2800

Can I obtain further information regarding Internet Payments? Yes, contact 0860 328 257

Can I register for Telephone Banking?

Yes, to register for Telephone Banking, contact the Callshare number 0860 11 22 44 Can I link beneficiaries on my account for Cellphone Banking?

Yes, to link beneficiaries on your account, visit our website on www.fnb.co.za or contact the call centre on 0861 313 210 Can I request my statements to be e-mailed to me?

Can I register for the Electronic Service Option?

Yes, fax the details to 011 371 0512 or e-mail the details to [email protected] Can I speak to someone regarding outstanding credit card debt?

Yes, contact our agents on 011 352 5369 and they will discuss the various options with you. Can I register for Internet Banking?