997134APR14
save, and get
your money to
work harder
for you.
Pricing Guide
Introduction
Access Your Money Immediately Account fees
Fees that apply when transferring money into any Immediate Access Account Fees that apply when taking money out of any Immediate Access Account
Other transactional fees payable on all Immediate Access Accounts
Access Your Money After Placing Notice Access a Portion of Your Money Access After a Fixed Period Invest in Shares Important Information Inde
Index
01 03 05 05 06 07 10 13 15 17 21
Introduction
Whatever your goals, FNB Savings and Investments have a
solution to help them become a reality.
No matter how much money you have, it’s never too early to start saving.
This Pricing Guide will assist you in understanding any bank charges related to your savings or investment account.
At FNB we do not charge you any subscription fees for Online, Cellphone and Telephone Banking, or the FNB Banking App.
This means you can open and manage your accounts using the Internet, your Cellphone, a Telephone, or your Smartphone or Tablet, without having to pay any subscription fees before you start transacting.
Going forward
The fees outlined in this guide are FNB’s most common VAT-inclusive prices, effective from 1 July 2014 to 30 June 2015.
Fees that have not changed, or have decreased, are shown in turquoise.
Many savings and investment accounts have no fees, but if your
account does, you can follow these simple steps to SAVE:
• Try to avoid going into an FNB Branch. Instead, use Online and Cellphone Banking, the FNB Banking App or FNB ATMs to make payments, transfers or to check your balance.
• Deposit cash into your account at an FNB ATM instead of a branch as there are less fees.
• Make sure that there is enough money in your account to cover any transactions that you make. This way you will avoid penalty fees.
Need help?
FNB Pricing Line: 086 011 2244 Investment Call Centre: 087 320 4321
Intr
These accounts are suited to customers who require
immediate access to their money while still having the
flexibility to add funds at any time.
Simply Save
A basic savings account, for the entry level saver.
Call Account
A traditional investment account from R1 000.
Money Market Transactor
A Money Market account with transactional capabilities via a Visa debit card.
Money Market Investor
A Money Market account with no monthly fee.
Access Your Money Immediately
Pay yourself first
Savings should be something you think about every month, not once a year. Load a Scheduled Transfer onto your savings or investment account and the money will be saved automatically.
M on ey I n Minimum opening deposit Add money anytime Scheduled Transfers R10 000 R1 000 R10 000 R100 M on ey O ut Transfers into an FNB account Third party payments Money Market Transactor Call Account Money Market Investor Simply Save Fee s No monthly fees In te re st Ra te Fluctuating interest rates Tiered rate In te re st Can capitalise interest Access to your interest Sp ec ia l F ea tu re s
Visa debit card or cheque book Investment advice available Capital guaranteed Choose your own term O pe n a nd M an ag e Yo ur A cc oun t Online FNB Banking App ATM Branch Call Centre Your Banker Ac cess Y our Mone y Imme dia
Fees that apply when transferring money INTO
any Immediate Access Account
Cheque Deposits
R20.00 R85.00
0.70% of transaction value, min R5.50 Deposits
Fee Descriptions Market Money Investor
Money Market Transactor
Call
Account Simply Save
FNB ATM FNB Branch ENC Upliftment Fee and Special Clearance Deposit of Post dated Cheque FNB Branch FNB ATM and ADT Cash Deposits
1.51% of transaction value, min R43.00 R20.00
R85.00
Account fees
Monthly Account Fee* Linked Visa Card Monthly Petrol Card Fee (linked to account) Subscriptions to inContact to Online, Cellphone and Telephone Banking and the FNB Banking App
FREE N/A N/A FREE FREE N/A N/A FREE R37.00 FREE R14.50 FREE FREE N/A N/A FREE
Fee Descriptions Market Money Investor
Money Market Transactor
Call
Account Simply Save
Card Replacement Fees FNB Petrol Card Visa Cheque Card/ Chip & PIN Card
Tip!
If you would like the convenience of a Petrol and a Debit Card linked to this account, consider a Money Market Transactor at a nominal monthly fee.
N/A R115.00 N/A N/A
N/A R115.00 N/A N/A
Petrol Card Purchases Local Card Purchases
R4.50 FREE
Fees that apply when taking money OUT of
any Immediate Access Account
Electronic Withdrawals: Electronic Transfers: Online, Cellphone and Telephone Banking and the FNB App Transfers: Branch or Telephone (Consultant Assisted) Electronic Payments: Online, Cellphone and Telephone Banking and the FNB App Pay and Clear Now Internal Debit Orders to FNB
External Debit Orders Cheque Payments R3.70 R43.00 R20.00 R12.00 R12.00 R20.00 R40.00 R3.70
Fee Descriptions Market Money Investor
Money Market Transactor
Call
Account Simply Save
R20.00
N/A R43.00 N/A N/A
FREE
Scheduled Transfers Related Fees Establishment and Amendment Fees (Online Banking) Establishment Fee (FNB Branch) Amendment Fee (FNB Branch) R11.50 R11.50 Purchases
N/A N/A N/A
N/A N/A N/A
Branch
FNB Mini ATM (per R500.00 or part thereof) Other Banks Mini ATM (per R500.00 or part thereof)
Cash Withdrawals:
R4.00
N/A R4.50 N/A N/A
Ac cess Y our Mone y Imme dia R43.00 + 1.61% of transaction value
Fee Descriptions Market Money Investor Money Market Transactor Call
Account Simply Save
Cash Withdrawals: International ATM (additional 2.75% Commission and Conversion fee applies) International Branch (additional 2.75% Commission and Conversion fee applies) Cardless Cash Withdrawal (Cellphone Banking)
N/A R43.00 N/A N/A
N/A R43.00 + 1.61% of withdrawal value N/A N/A R4.25 + (R6.70 per R500.00) Send Money to an eWallet
Reversal of Send Money to eWallet
R8.50
Send Money
Send Money to Zimbabwe/Mozambique
R45.00 Value: R0.00 - R1 000.00 Value: R1 001.00 - R2 000.00 R70.00 R20.00
Other transactional fees payable on all
Immediate Access Accounts
Fee Descriptions Money Market Investor
Money Market Transactor
Call
Account Simply Save
R8.50 Purchases
Telephone Banking Prepaid (Consultant Assisted) LOTTO™/Powerball
Purchase R1.50
FNB Petrol Card Visa Cheque Card/ Chip & PIN Card
R115.00
N/A N/A N/A
Card Replacement Fees
N/A N/A N/A
Pocket 40 Form N/A R45.00 N/A N/A
Cheque Book Fees
R115.00
Value: R2 000.01
Fee Descriptions Market Money Investor Money Market Transactor Call
Account Simply Save
Balance Enquiries FNB Online Banking, Cellphone Banking, Telephone Banking (IVR), FNB Banking App and FNB ATMs
Other Banks’ ATM Point-of-Sale FREE R4.20 R1.40 R4.20 International Point-of-Sale
Branch and Telephone Banking (consultant assisted)
R13.00 (per statement) Statements
Posted/Printed Statement Current Month Emailed Statement
FNB ATM Mini Statement (Print or view)
Emailing of Historical Statement older than 3 months - Online Banking Emailing of Historical Statement older than 3 months - Branch and Telephone Banking Provisional Statement -Branch and Telephone Banking
FREE R3.00
R6.00 (per statement)
R13.00 (per statement)
Additional Statements (fee per month)
Online R44.00 R20.00 R11.00 Daily Weekly Twice monthly Paper R85.00 R34.00 R17.00 R0.95 R3.00 R17.00 Balance Alerts (fee per month)
Monthly Weekly Daily
R2.50
N/A N/A N/A
Ac cess Y our Mone y Imme dia R13.00 (per page)
Unpaid Cheques/Debit Orders (per item) Incidental Credit Fee (Charged per month in excess of your account limit, applies to accounts without credit facilities or with credit agreements after 1 June 2007)
Copies of Vouchers (Deposit Slips and Cheques) Online Banking
Branch and Telephone Banking FREE R20.00 (per side) FNB ATM (Insufficient Funds or Limit Exceeded) Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other banks’ ATM
FREE
R7.50 Penalty Fees
R30.00 for 1st 3 thereafter R98.00 per subsequent item within 12 months
R57.00
Fee Descriptions Market Money Investor
Money Market Transactor
Call
Account Simply Save
R0.70 R1.10 R5.00 Payment Notifications Email SMS Fax Declined Transactions R3.00 Electronic Subscription Services (fee per month) My Limit Alert
Ac
cess Y
our Mone
y Af
ter Placing Notic
Access Your Money After
Placing Notice
These accounts are suited to customers who require accesss to
their money after a notice period.
7 Day Notice Deposit
Access your money within 7 days notice.
32 Day Flexi Notice
Control your notice period and enjoy total flexibility in accessing your money.
32 Day Interest Plus
Access your money with 32 days notice. * Closed to new business
Did you know?
M
on
ey I
n Minimum opening deposit
Add money anytime Scheduled Transfers
Mo
ne
y O
ut* Early access at a cost
Transfers into an FNB account Third party payments
Fee s No monthly fees No transactional fees R50 000 7 Day Notice Deposit R100 32 Day Interest Plus
* Subject to notice period.
R1000 32 Day Flexi Notice In te re st R
ate Fluctuating interest rates
Interest rate increases twice Tiered rate
In
te
re
st
Can capitalise interest Access to your interest
Sp ec ia l F ea tu re s
Multiple notices allowed Capital guaranteed Choose your own term
Investment advice available
O pe n a nd M an ag e Yo ur A cc oun t Online FNB Banking App ATM Branch Call Centre Your Banker
Ac
cess Y
our Mone
y Af
ter Placing Notic
Subscriptions to Online, Cellphone and Telephone Banking and the FNB Banking App
Withdrawals
(terms and conditions apply) Balance Enquiries (FNB ATM, Branch, Online, Cellphone Banking, FNB Banking App and Telephone Banking) Provisional Statements
Cash / Cheque Deposits
Fee Descriptions Free Not Allowed Free Free Free 7 Day Notice Deposit Free Free Free Free Free 32 Day Interest Plus Free See table below Free Free Free 32 Day Flexi Notice
32 Day Flexi Notice Withdrawal Costs
Notice Period (in days) Withdrawal cost = % of withdrawal amount Minimum withdrawal cost applicable 32 days 22-31 days 15-21 days 8-14 days 1-7 days 0.5% 1.0% 2.0% 3.0% R50.00 R50.00 R50.00 R50.00 Free
Did you know?
You can add multiple notices on your 32 Day Flexi Notice and 32 Day Interest Plus accounts.
Access a Portion of your money
Flexi Fixed Deposit
A fixed investment term while giving you access, within 24 hours, to a portion of your money.
MyFirstSavings
Encourage your children to save and give them a lesson for life.
In
te
re
st
Ra
te Fluctuating interest rates
Tiered rate
* Subject to notice period.
MyFirstSavings Flexi Fixed Deposit No monthly fees No transactional fees Fee s
Transfers into an FNB account Third party payments
M
on
ey
O
ut*
Minimum opening deposit Add money anytime Scheduled Transfers R 100 R100 M on ey I n O pe n a nd M an ag e Yo ur A cc oun t Online FNB Banking App ATM Branch Call Centre Your Banker In te re st
Can capitalise interest Access to your interest
Multiple notices allowed eBucks to investment Capital guaranteed Choose your own term
Investment advice available
Sp ec ia l F ea tu re s
Ac cess a P or tion o f Y our Mone
Did you know?
If you have a 12 month Flexi Fixed Deposit, you can invest your eBucks into this account.
Subscriptions to Online, Cellphone and Telephone Banking and the FNB Banking App Deposits
Balance Enquiries (FNB ATM, Branch, Online, Cellphone Banking, FNB Banking App and Telephone Banking) Provisional Statements FREE FREE 2 free withdrawals (maximum 15% of available balance each) FREE FREE Withdrawals
(terms and conditions apply)
FREE
FREE
FREE
FREE
FREE
Access Your Money After a
Fixed Period
These accounts are suited to customers who require access
to their money after a fixed period.
Fixed Deposit
An investment account fixed for a period, typically giving you a higher interest rate than investments available overnight or on notice.
Effective Rate Fixed Deposit
A Fixed Deposit, where interest on interest is built into the rate you earn.
Restart Fixed Deposit
A Fixed Deposit where you can reset your investment once at a higher interest rate.
Inflation-Linked Deposit
A Fixed Deposit where your returns are linked to inflation.
Islamic Term Deposit
An Islamic Term Deposit is an investment with a fixed term, offering you great returns over the period of your investment.
Did you know?
You can capitalise your interest, earning you interest on interest. You can also choose when you would like your interest to be paid out.
Ac cess Y our Mone y Af ter a Fix ed P M on ey In M on ey O ut* Fee s In te re st R ate In te re st Sp ec ia l F ea tu re s Minimum opening deposit Transfers into an FNB account Third party payments No monthly fees No transactional fees Fluctuating interest rates Special rate if over 55 Tiered rate Can capitalise interest Access to your interest Capital guaranteed Choose your own term Investment advice available R10 000 Effective Rate Fixed Deposit R10 000 Fixed Deposit O pe n a nd M an ag e Yo ur A cc oun t Online FNB Banking App ATM Branch Call Centre Your Banker R50 000 Inflation Linked Deposit R10 000 Restart Fixed Deposit Profit/Loss Share R10 000 Islamic Term Deposit * On Maturity Date *
Investing in shares and directly in gold (through Krugerrands) is a great way to build your wealth, as it allows you to diversify your investment and benefit from company profits and dividends over time.
Who is this for?
Whether you are new to investing in shares, or a seasoned share veteran, we offer various options that will suit your level of experience in the share market:
Share Saver
Invest monthly in the top 100 JSE listed companies from as little as R300 per month. This means you don’t have to choose your own shares.
Share Builder
Choose from a pre-selected range of JSE blue chip shares to help you start your Share Investing Portfolio. You can also invest directly in Krugerrands via this product.
Share Investor
If you have some experience in the share market, Share Investor allows you to invest in the full range of JSE listed shares and Krugerrands in real time.
Invest in Shares
Share Investing gives you access to invest directly in JSE
shares and Krugerrands – online and in real time.
R0 – R250 000 Monthly Fees
Fee Descriptions Share Saver (based on portfolio value) BuilderShare InvestorShare
Monthly account fee
0.40% plus VAT R250 001 – R1 000 000 >R1 000 001 0.35% plus VAT 0.30% plus VAT R19.00 R49.00* Subscriptions to inContact, Online, Cellphone and Telephone Banking and the FNB Banking App Krugerrand safekeeping fee
FREE FREE FREE
-0.86% of market value per annum 0.86% of market value per annum
*For Share Investor Accounts, a monthly account fee of R75 is charged on Non-resident and Emigrant Blocked accounts. No VAT is payable on Non-resident and Emigrant Blocked Accounts.
Did you know?
You can invest safely in Krugerrands online, simply by opening a Share Builder or Share Investor account.
Inv
est in Shar
-Transaction Fees
Fee Descriptions Card Telephone Branch
Withdrawals -R43.00 +1.61% of withdrawal value Electronic Channels -Transfers R3.70 R43.00 R43.00 -Payments R12.00 R43.00 R43.00
Trade fees (of trade amount)
Fee
Description Share Saver BuilderShare Share Investor
Trade Option Delayed trades (Today at 15:00) 1st trading day of month Delayed trades (Today at 15:00) Brokerage Fee 0.6% (min R40) plus VAT 0.10% plus VAT 2% (min R50) plus VAT Investor Protection Levy 0.0002% plus VAT Not applicable Not applicable STRATE Settlement Charge 0.005459% (minimum R10.92 maximum R54.59) plus VAT Not applicable Not applicable Securities Transfer Tax (only on share purchase) Not applicable Not applicable Not applicable Now trades 0.6% (min R80) plus VAT 0.005459% (minimum R10.92 maximum R54.59) plus VAT 0.0002% plus VAT 0.25% Delayed trades (Today at 15:00) 2% (min R50) plus VAT Not applicable Not applicable
Did you know?
With Share Builder you get to choose your own shares from a preselected
Not applicable
Value add fees - price alert
Cash deposits
*The standard cheque clearance period is 7 days. Clearance could differ per account. Kindly call 0860 11 22 44 or your branch for details.
Other account related fees Fee
Cheque deposits*
FNB ATM and FNB branch (per deposit) R20.00 Deposits
FNB ATM with envelope or Automated Deposit (ADT)
FNB Branch
ENC upliftment fee and special clearance
Deposit of post-dated cheques (per cheque) 0.70% of deposit value, minimum R5.50 1.51% of deposit value, minimum R43.00 R85.00 R85.00
Inv
est in Shar
Normal: Value of securities
Non-standard services Fee
Share transfer (per counter) Account transfer in
Telephonic trade instructions
Urgent rematerialisation (per counter) Account transfer out
Cancellation (off-exchange instruction)
R1 – R50 000 R2 000 000+ R50 000 – R2 000 000 R1 – R50 000 R50 000 – R2 000 000 R2 000 000+ Exchange (per counter) Internal transfer
Normal dematerialisation (per counter)
Indemnities (excl insurance per counter) Portfolio move in
Urgent dematerialisation (per counter)
Registration/Change of beneficiary (excl VAT) Portfolio move out
Normal rematerialisation (per counter)
Monthly Safe Custody Fee (only on share portfolio values > R10m in market value and excluding Share Saver)
Free R43.00 R1330.00 R135.00 R140.00 R990.00 R2 650.00 R1 550.00 R1 650.00 R2 750.00 R4 800.00 R105.00 Free R105.00 R390.00 Free R600.00 R45.00 R105.00 R830.00 0.0005% of value exceeding R10m Other fees
Share removal (per instruction) Fee
Fast track: Value of securities
Krugerrand Deliveries POA
Important Information
Prices may change
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 throughout this guide. This is in accordance with Section 13 of the Code of Banking Practice (COBP). In the case where we have used FNB-specific terminology, we have added the table below indicating the appropriate standardised terminology which may be used by other banks.
• A complete, comprehensive pricing guide is available on www.fnb.co.za
• Errors and omissions are excluded.
• Normal terms and conditions apply to each product. Terms and conditions are agreed 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 product.
• The Bank reserves the right to change at any time the features of any product.
• FNB recommends that you obtain independent tax advice from a suitably qualified professional regarding the tax implications of any investment. • Statements only available on request if balances fall below the minimum
required balances according to product rules.
• First National Bank - a division of FirstRand Bank Ltd is an Authorised Financial Services and Credit Provider.
FNB Term (as per pricing guide) Standardised Terminology
Payment Third Party Payment/Stop Order
Cheque Cheque Payment/Cheque Encashment
Please note:
Electronic Channels include Online Banking, ATM, Cellphone Banking, Telephone Banking (IVR) and FNB Banking App.
