First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
Smart Account,
Islamic Smart Account
and Classic Credit Card
Pricing Guide
Smart
Account
R 12.50
If you want a bank account with
low fees and lots of flexibility,
a Smart Account is a good idea.
Being smart means being real
about your needs. And then finding
smart solutions for a simpler life.
That’s what an FNB Smart Account
offers you: some basic banking,
saving and borrowing options – along
with some great ways of keeping
connected with loads of FREE
prepaid airtime opportunities.
Islamic Smart Account
FNB is proud to offer you a Shari’ah-compliant Smart Account, with the same value-adds, reward benefits and pricing as a Smart Account customer. 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.
• Unlimited FREE swipes when you use your Smart 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 for FREE 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
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 paid 15% of your original loan amount. Smart, nè?
Please note Temporary Loans and Revolving Loans are not offered on the Islamic Smart Account.
Borrow
• R 5 back in FREE prepaid airtime for every R 100 you pay with your Smart Account card at Shoprite & Checkers store tills
• R 5 back in FREE prepaid airtime for every R 100 prepaid airtime when you buy on Online Banking, Cellphone Banking and the FNB Banking App
• NEW! R 15 back in FREE prepaid airtime for every R 100 spent on FNB Connect prepaid airtime (that you purchased using Online Banking, Cellphone Banking and the FNB Banking App) and/or on a qualifying FNB Connect contract
* This assumes that you have an active Smart Account in good standing, deposit at least R 1 000 into your account and spend R 300 or more using your Smart Account Card. (*Terms, Conditions and Rules apply.)
Live
p/m
fr
om
* Terms, Conditions and Rules apply.
Unlimited FREE
swipes when you
use your Card
to pay
FREE subscription
to FNB Cellphone
Banking, Online
Banking, Telephone
Banking, and the FNB
Banking App
A FREE Linked
Savings Account
that earns
you interest
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
Pay-As-You-Use Pricing
If you don’t use your account a lot, the Pay-As-You-Use Pricing Option is your best bet. With this option – and for a low monthly fee – you get:
• To save by paying only for the transactions you do • Unlimited FREE swipes on
card purchases
• To draw cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer store tills
FREE of fees
• FREE mini-statements on Cellphone Banking • FREE balance enquiries
using Cellphone Banking, Online Banking and the FNB Banking App
With a Smart Account and Islamic Smart Account, you get to choose one of two pricing options: Pay-As-You-Use and Value Pricing.
Value Pricing
If you use your account regularly and want to control costs by paying a monthly fee, opt for the Value Pricing Option. On a monthly basis, you get:
• Unlimited FREE swipes on card purchases • Cash at selected Shoprite,
Checkers, Pick n Pay, Spar and Boxer store tills FREE of fees
• A combination of ten FREE electronic transactions (payments, transfers and debit orders) • Four FREE FNB ATM withdrawals
Pay-As-You-Use Pricing Option Monthly Fees
Monthly Account Fee R 12.50
Online and Cellphone Banking Subscriptions FREE
inContact FREE
Linked Savings Account (Savings Pocket) FREE
Card Purchases
Pay with your Card FREE
Commission and Currency Conversion Fee on International Card Purchases 2.75% of transaction value
Cash Withdrawals
Cash@Till™ FREE
FNB Slimline R 5.00
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 30.00
FNB Branch/Cheque R 50.00 + R 1.65 per R 100
International Branch
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 22.50
ENC Upliftment Fee and Special Clearance R 100.00
Linked Account Transfers
Into Linked Savings Account (Savings Pocket) FREE
Using Mobile Channels R 1.50
Using eChannels R 3.50
FNB Branch or Telephone Banking (Consultant Assisted) R 50.00
Payments
Using Mobile Channels R 1.50
Using eChannels R 7.00
FNB Branch or Telephone Banking (Consultant Assisted) R 50.00
Bank Cheque R 90.00
Debit Orders
Internal R 3.70
External R 7.50
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
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)
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 8.00
Card Replacement Fees
Chip & PIN Non-Personalised Card R 80.00
Chip & PIN Personalised Card R 120.00
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 eWallet R 9.50
Reversal of Send Money to eWallet R 25.00
Send Money to Zimbabwe/Mozambique
Value: R20.00 – R1 000.00 R 45.00
Value: R1 000.01 – R2 000.00 R 70.00
Value: R2 000.01 – R3 000.00 R 105.00
Additional Statements Fee
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
My Limit Alert R 3.00
Scheduled Payment Alert R 3.00
Balance Alert (Fee per month) Fee
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
Value Pricing Option Transaction Fees*
Monthly Account Fee R 49.00
FNB ATM Withdrawals** 4 FREE per month
FNB Slimline Withdrawals FREE
eChannel and Mobile Channel Transfers
A combination of 10 FREE eChannel and Mobile Channel Payments
Internal and External Debit Orders
* Fees not listed above are as per Pay-As-You-Use Fees ** Includes Cardless Cash Withdrawals
Other Fees
Card Courier Fee R 95.00
Online Banking Account Verification
(FNB Accounts and Other Banks Accounts
)
R 4.60Online Banking Payment History (older than 3 months) R 4.60
Wrongfully Disputed Debit Order Fee
Classic
Credit Card
Today, credit cards are not just
about credit. They’re about life.
Well managed, a credit card can
open your world up to everyday
benefits. And a Classic Credit Card
from FNB is no different.
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 your 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 Classic 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
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 and the FNB Banking App. You pay only for the data you use • FREE emailed
monthly statements • FREE lost card protection
Bank
• Personalised and competitive debit interest rates based on your personal risk profile
Save
• 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 34
p/m
Inc. Credit Facility Service Fee• FREE AA Emergency Roadside Assistance with a linked Petro Card • FREE Global Travel Insurance,
covering you locally and internationally when you purchase your return travel ticket(s) with your Classic Credit Card
• FREE delivery of your Classic Credit Card to your nearest branch • The opportunity to purchase
FNB’s Lifestyle Protector, providing lifestyle cover in the event of death or permanent disability • The ability to earn prepaid
airtime for doing everyday things like shopping at Checkers & Shoprite and
Live
FREE AA Emergency
Roadside
Assistance with a
linked Petro Card
R 5 back in FREE
prepaid airtime
for every R 100
spent at Checkers
& Shoprite
FREE Global Travel
Insurance when
you purchase your
return travel ticket(s)
using your Classic
Credit Card
buying prepaid airtime electronically through FNB* • R 5 back in FREE prepaid
airtime for every R 100 spent at Checkers & Shoprite • R 5 back in FREE prepaid
airtime for every R 100 prepaid airtime when you buy through Online Banking, Cellphone Banking and the FNB Banking App
• NEW! R 15 back in FREE prepaid airtime for every R 100 spent on FNB Connect prepaid airtime (that you purchased using Online Banking, Cellphone Banking and the FNB Banking App) and/or on a qualifying FNB Connect contract
Classic Credit Card Fees Fees per month
Credit Card Monthly Account Fee R 23.00
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
• Credit Card Monthly Account Fee is the cost charged monthly for the administration and maintenance of your Credit Card Account
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
• 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
Terms, Conditions and Rules apply.
*For more on eBucks Rewards, go to www.eBucks.com.
Standalone Petro Card Fees 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
* 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 ATMs charge an additional surcharge.
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 Fees
Local R 85.00
International R 265.00
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)
Cash Withdrawal Fees Fees
FNB ATM R 3.95 + R1.30 per R100
Other Banks' ATM R 6.50 + FNB ATM Fee
FNB Mini ATM R 3.95 + R1.30 per R100
Branch (includes all Financial Institution Branches and the Purchase of Foreign Exchange) R 50.00 + R1.65 per R100
Cash on Budget R 50.00 + 2.50% of withdrawal value
International* (ATM and Branch) R 30.00 + R1.65 per R100
Other Fees 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
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
Convenience Fees Fees
Send money to an eWallet (R 20.00 - R 3000.00) R 9.50
Reversal of incorrect "Send Money to FNB 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
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.
