Private Wealth Enjoy the pinnacle of private banking in FNB. Pricing guide 1 July 2016 30 June 2017 Terms, conditions and rules apply. First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
Introduction This pricing guide will assist you in understanding your bank charges and help you make banking choices that enable you to get the most out of banking with us. All fees quoted are VAT inclusive and are effective from 1 July 2016 to 30 June 2017. Our approach begins with understanding the financial needs of you and your family, and extends to your business and long-term generational wealth and investment aspirations. Using this insight, your Private Banker and a team of specialists will help you proactively grow, manage and protect your wealth. You can also take advantage of the personalised service of the 24/7 Service Suite for your day-to-day transactional banking requirements, as well as convenient and secure daily banking through Online Banking and the FNB Banking App. Plus, you have access to rewards at the highest level in FNB. Benefit from private banking and wealth advice that is top of its class Private Wealth spends more time in the right places to provide you with top-class private banking and advice-led wealth management as you journey through your life stages.
Easy, convenient day-to-day banking Funding that helps you build your wealth An investment portfolio to grow your wealth Personalised solutions to protect your future Rewards well deserved Private banking and wealth advice Consolidated transactional banking Specialised lending Advice-led investments Intergenerational fiduciary and risk advice Benefits beyond wealth Local and global Digital convenience: Online App Private Banker supported by a team of experts 24/7 Service Suite
Online Banking and the FNB Banking App Use our innovative, secure electronic channels to perform day-to-day transactions such as: Making once-off payments and transfers Setting up scheduled payments and transfers Retrieving historical statements Card and PIN maintenance Stopping cheques and/or debit orders Ordering Foreign Exchange Global Payments and Receipts Making prepaid purchases Private Wealth Cheque and Credit Cards Swipe your card instead of using cash. It is safer, cheaper and more convenient, and qualifying clients earn ucks. Dedicated 24/7 Service Suite Our Service Suite will assist you with all of your day-to-day banking needs such as: General banking queries Banking transactions Fraud queries Card renewals/activations or cancellations Official bank letters required by institutions (eg, Visa letters)
As a Private Wealth client, you have access to rewards at the highest level on your Private Wealth Cheque and Credit Cards. Earn up to Safe and convenient shopping complete with the best rewards 3% back in ucks when you swipe your Private Wealth Credit Card and 0.25% back when you swipe your Private Wealth Cheque Card Earn up to 12 times more ucks when you pay with your Private Wealth Credit Card for in-store and online shopping. 6% back in ucks when you shop online using your Private Wealth Credit Card and 0.5% back when using your Private Wealth Cheque Card 5% back in ucks when you buy groceries on your Private Wealth Credit Card and 0.25% back on your Private Wealth Cheque Card 15% back in ucks when you fill up at any fuel station, buy Gautrain tickets, or when using Uber domestically Terms, conditions and rules apply.
Earn up to 15% back in ucks when you buy prepaid electricity electronically through FNB 100% back in ucks on your FNB Smart Device or laptop contract monthly subscription fee 40% back in ucks on your qualifying FNB Connect contract or when loading FNB Connect prepaid airtime 50% back in ucks on your transaction charges when you send or receive foreign currency payments online or via the FNB Banking App, or when receiving foreign currency payments regularly by authorising FNB to convert these funds on your behalf with a standing instruction, through FNB Foreign Exchange Terms, conditions and rules apply.
To qualify for ucks Rewards, you must: 1. Have a Private Wealth Cheque Account or Single Facility that is active (which means that you transact on the account), and where you either: deposit a minimum amount of R44 500.00 (Cheque Account or Single Facility) or R16 500.00 (Cheque Account for Spouses) per month; have deposited a minimum total amount of R150 000.00 over the previous three months; or maintain a minimum balance of R100 000.00 throughout the month 2. Have an active Private Wealth Credit Card. 3. Login to the FNB Banking App at least once a month, using your own banking profile. 4. Ensure that all of your accounts are in good standing (which means that they are not overdrawn, in arrears or in default, or missed a premium, and you are not undergoing sequestration or any legal process). For more information on ucks Rewards, visit Terms, conditions and rules apply.
Other ucks benefits 40% ucks Discounts Get up to 40% off when you buy products in the ucks Shop, book domestic Avis car rental or book selected flights online through ucks Lifestyle ucks Lifestyle An ucks Lifestyle consultant will assist you with: 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 To get in touch with the ucks Lifestyle Desk, contact your Private Banker, call the team directly on 087 575 0050 or email You will also enjoy: Terms, conditions and rules apply. 1 Lounge access is reward-level dependent. Up to eight complimentary Avis Point2Point one-way trips a year when booked via the ucks website Up to 12 complimentary visits to Priority Pass International Lounges a year 1 15% discount on SpeedPass a VIP meet-and-assist airport service at over 285 international airports worldwide
Access to airport and business lounges As a Private Wealth client, you will enjoy access to: SLOW Domestic Lounges and SLOW International Lounge 1 Bidvest Premier Lounges 1 SLOW in the City 1 Priority Pass International Lounges 1 For SLOW and Bidvest Lounge entry criteria and rules, visit Peace of mind for you and your family Get free AA Emergency Roadside Assistance on your linked Private Wealth Petro Card Enjoy free Comprehensive Global Travel Insurance when using your Private Wealth Cheque or Credit Card to pay for return local and international travel tickets Travel home safely with 10 free Take Me Home trips per annum (available on your linked Private Wealth Petro Card) 1 Lounge access is reward-level dependent. Terms, conditions and rules apply.
Private Wealth accounts access to our secure Save time with convenient, easy day-to-day banking. A dedicated Private Banker and access to a and convenient electronic channels, including the FNB Benefit from: team of fiduciary, lending, wealth Access to our 24/7 Service Suite Banking App and Online Banking, card replacement and management and to assist with to perform your Hassle-free debit delivery per year as Foreign Exchange your day-to-day day-to-day order and salary well as no annual specialists banking needs transactions switching card fees monthly subscription payment An overdraft facility Smartphones Flexible pricing email statements to incontact, which notifications that with instant access and tablets at options to suit alerts you of activity alert recipients to your funds, as discounted prices your personal on your account of payments you well as a linked, over a 24-month transactional have made to personalised period with behaviour their accounts interest rate 2 0% interest 2 2 Subject to credit approval.
Cheque Account Islamic Cheque Account Select from five different pricing options: The 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/Single Facility This account uses 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/Single Facility combines these into one. The defining feature is the ability to hold a single balance at any one time. Interest is calculated daily on your outstanding balance, so whenever the outstanding balance on your loan is reduced, you save on interest. This account offers similar features, pricing, benefits and rewards to the Private Wealth Cheque Account. The main differences are: You may be eligible for a monthly profit share on your Islamic Private Wealth Savings Pocket No debit or credit interest No overdraft or loan facilities One Account A single facility account designed to cater for your property finance and transactional needs, thus combining your property finance account and your transactional account into a single facility account, secured by your home. Note that these options are not applicable to business accounts. 1. Unlimited 2. Bundled 3. Spousal 4. High Touch Banking 5. Pay-As-You-Use All fees quoted in the tables to follow are VAT inclusive.
1. Unlimited pricing option 2. Bundled pricing option For a fixed account fee per month, you get the following on your Private Wealth Cheque Account and Structured/Single Facility: Unlimited electronic transactions Unlimited FNB ATM and other banks ATM withdrawals (including local and international ATM withdrawals) cheque payments and stop payment loading value-added services such as LOTTO purchases 3, Pay & Clear Now, GEO Payments, prepaid purchases and sending money to ewallet 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: Private Wealth Cheque Account or Structured/Single Facility Private Wealth Credit Card Overdraft 4 Up to five free additional credit cards Up to five free linked Petro Cards Securities Online Trading Account Securities Global Trading Account 5 Global Account 6 FNB Channel Islands Current Account 7 Money Maximiser 8 Note: the Bundled pricing option is only applicable to individuals, joint accounts do not apply. If you maintain a credit balance of at least R100 000.00 in your Private Wealth Cheque Account on the Bundled or Unlimited pricing options throughout the month, your monthly account fee will be rebated. 3 LOTTO purchases are excluded from the Islamic Cheque Account. 4 Refer to terms and conditions of credit agreement. 5 Only applicable to Non-Discretionary Securities Global Trading Accounts. 6 s are applicable to Foreign Exchange transactions. 7 A minimum balance of at least 5 000.00 must be maintained in your FNB Channel Islands Current Account. 8 A minimum opening deposit of R100 000.00 is required. Balances below R100 000.00 do not earn interest. Other transactional fees including cash and cheque deposits apply. Visit for more information.
3. Spousal pricing option 4. High Touch Banking pricing option Your spouse 9 will pay a single discounted monthly account fee 10 for an all-inclusive bundle of transactional products, which gives them all the benefits of the Bundled pricing option including the monthly fees for their: Private Wealth Cheque Account or Structured/Single Facility Private Wealth Credit Card Overdraft 11 Up to five free additional credit cards Up to five free linked Petro Cards Securities Online Trading Account Securities Global Trading Account 12 Global Account 13 FNB Channel Islands Current Account 14 Money Maximiser 15 Note: the Spousal pricing option is only applicable to individuals, joint accounts do not apply. If your spouse maintains a credit balance of at least R100 000.00 in their Private Wealth Cheque Account on the Spousal pricing option throughout the month, their monthly account fee will be rebated. 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). Please be advised that the High Touch Banking pricing option has been discontinued. 9 Only one spouse per main account holder. 10 The Spousal account must be linked to a main account or standard pricing will apply. 11 Refer to terms and conditions of credit agreement. 12 Only applicable to Non-Discretionary Securities Global Trading Accounts. 13 s are applicable to Foreign Exchange transactions. 14 A minimum balance of at least 5 000.00 must be maintained in your FNB Channel Islands Current Account. 15 A minimum opening deposit of R100 000.00 is required. Balances below R100 000.00 do not earn interest. Other transactional fees including cash and cheque deposits apply. Visit for more information.
s applicable on your cheque account for the Unlimited, Bundled and Spousal pricing options Pricing option Unlimited Bundled Spousal Monthly account fee R315.00 R419.00 R220.00 Minimum balance for rebate R100 000.00 Other product fees included in your monthly cheque account fee Monthly credit service fee R68.40 Rebate on monthly credit service fee 21 R38.40 R68.40 Card purchases 22 Prepaid purchases Payments and transfers (FNB Banking App, Online Banking, Cellphone Banking, Telephone Banking consultant assisted, IVR and Speech) Cheque payments Cheque Account or Structured/Single Facility Credit Card Overdraft fee 16 Securities Online Trading Account Securities Global Trading Account 17 Global Account 18 FNB Channel Islands Current Account 19 Money Maximiser 20 16 Refer to terms and conditions of credit agreement. 17 Only applicable to Non-Discretionary Securities Global Trading Accounts. 18 s are applicable to Foreign Exchange transactions. 19 A minimum balance of at least 5 000.00 must be maintained in your FNB Channel Islands Current Account. 20 A minimum opening deposit of R100 000.00 is required. Balances below R100 000.00 do not earn interest. Other transactional fees including cash and cheque deposits apply. Visit for more information. 21 Refer to terms and conditions of credit agreement. 22 International currency commission and conversion fee of 2.75% of the transaction value applies.
s applicable on your cheque account for the Unlimited, Bundled and Spousal pricing options Pricing option Unlimited Bundled Spousal Debit orders (internal and external) Cash@Till withdrawals FNB ATM withdrawals Other banks ATM withdrawals (local and international) 22 FNB ATM cash deposits 23 ucks Rewards subscription Subscription to incontact, Online Banking, Cellphone Banking, Telephone Banking and FNB Banking App Monthly petrol card fee (linked to your Private Wealth Cheque Account) Monthly device payment 24 One Account up to R10 000.00 R16.50 Device dependent up to R20 000.00 Monthly account fee 25 R383.40 R487.40 Once-off initiation fee (for new accounts only) 26 R5 985.00 22 International currency commission and conversion fee of 2.75% of the transaction value applies. 23 Not applicable to the High Touch Banking pricing option. 24 Only applies if you have taken up an FNB smartphone/tablet/laptop offer. 25 Monthly account fees effective from 1 July 2016. 26 New One Account agreements granted from 1 July 2016.
Other free transactions on your cheque account The transactions in the table to follow are included in your monthly account fee: Transaction description Balance enquiries Statements Other fees Detail FNB ATM, Cellphone Banking, Telephone Banking (IVR) and FNB Banking App Point of sale (local and international) Other banks ATMs FNB branch and Telephone Banking (consultant assisted) Official monthly email statement Cellphone Banking mini-statement FNB ATM mini-statement Historical email/downloaded statements (FNB branch, Telephone Banking and Online Banking) Unsuccessful transactions (FNB ATM, Point of sale, scheduled and other banks ATMs) Card replacement (Cheque/Debit/Petro Cards)
Other free transactions on your cheque account Transactions not mentioned, or in excess of these limits, will be charged at Pay-As-You-Use rates. Transaction description Value-added services fees Detail LOTTO/PowerBall purchases 27 Cardless cash withdrawals Pay & Clear Now 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) 27 LOTTO purchases are excluded from the Islamic Cheque Account.
5. Pay-As-You-Use (PAYU) pricing option On this pricing option, you are charged for each transaction at the applicable fee. Transaction description Monthly account fee R108.00 Monthly credit service fee R68.40 Rebate on monthly credit service fee 28 R38.40 Monthly petrol card fee (linked to your Private Wealth Cheque Account) R16.50 Monthly device payment 29 Subscription to incontact, Online Banking, Cellphone Banking, Telephone Banking and FNB Banking App Device dependent Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Transaction description Purchases Card purchases Card purchases 30 Petrol card fuel purchases R5.00 28 Refer to terms and conditions of credit agreement. 29 Only applies if you have taken up an FNB smartphone/tablet/laptop offer. 30 International currency commission and conversion fee of 2.75% of the transaction value applies.
Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Transaction description Prepaid airtime and electricity purchases FNB Connect prepaid purchases (FNB ATM, Online Banking, Cellphone Banking, FNB Banking App, Telephone Banking IVR) Other prepaid purchases (FNB ATM, Online Banking, Cellphone Banking, FNB Banking App, Telephone Banking IVR) R1.15 Other banks ATMs R10.00 Linked account transfers Linked Savings Pocket Cellphone Banking, FNB Banking App, Telephone Banking (IVR) R1.60 FNB ATM, Online Banking R3.70 Telephone Banking (consultant assisted) R7.35 FNB branch R60.00 Payments Cellphone Banking, FNB Banking App, Telephone Banking (IVR) R1.60 FNB ATM, Online Banking, Telephone Banking (consultant assisted) R7.35 FNB branch R60.00
Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Transaction description Payments Issue of bank cheques (per cheque) R100.00 Internal debit orders (payments to FNB) R3.70 External debit orders (payments to other service providers) R16.95 Scheduled payments Scheduled payment establishment/amendment fee (FNB branch, Online Banking) Stop payment instructions Online Banking, Cellphone Banking, FNB Banking App, FNB branch, Telephone Banking (consultant assisted and IVR) Payment notifications Email R0.80 SMS R1.20 Fax R6.00 Cheque books 40 forms R80.00 Subscription fees (per month) My Limit Alert R3.00 Scheduled payment alert fee R3.00
Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Transaction description Balance alerts (per month) Daily R15.00 Weekly R3.00 Monthly R1.00 Cash withdrawals FNB Slimline ATM/other banks Mini-ATMs R5.00 FNB ATM R1.85 per R100.00 Other banks ATMs R7.00 + FNB ATM fee International ATM cash withdrawals 31 R60.00 FNB branch/cheque R60.00 + R1.85 per R100.00 International branch 31 R60.00 + R1.85 per R100.00 Deposits Cash deposits FNB ATM R0.80 per R100.00 FNB branch R1.85 per R100.00 (min R60.00) 31 International currency commission and conversion fee of 2.75% of the transaction value applies.
Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Transaction description Cheque deposits FNB ATM/FNB branch R40.00 Special clearance fee R120.00 Effects not cleared upliftment fee R120.00 Balance enquiries FNB ATM, Online Banking, Cellphone Banking, FNB Banking App, Telephone Banking IVR Point of sale (Private Wealth Cheque Cards only) R1.50 FNB branch and Telephone Banking (consultant assisted) R5.00 Other banks ATMs R5.00 International Point of sale balance enquiries R5.00 Statements Emailing of current monthly statement (plus optional workable data files) Monthly posted statement (per statement) R13.00 Mini-statements (Cellphone Banking) Mini-statements (FNB ATM) R3.00
Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Transaction description Statements 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) Provisional email statement (FNB branch, Telephone Banking, per statement) Additional statements (fee per month) Paper Online Daily R106.00 R50.00 Weekly R43.00 R23.00 Twice monthly R22.00 R13.00 Penalty fees FNB ATM declined transaction fee (insufficient funds or daily limit exceeded) Other FNB declined transaction fee (local and international Point of sale, scheduled payment) Other banks ATMs declined transaction fee (insufficient funds or daily limit exceeded) Returned item (cheque/debit order) R8.50 R8.50 R55.00 for first 3, thereafter R145.00 Payment honouring fee R75.00
Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Transaction description Credit-related fees Revolving loans NCA clients Monthly service fee R68.40 Value-added services fees LOTTO/PowerBall purchases, prepaid Pay TV, itunes, traffic fines 32 R1.85 MultiChoice payments R5.30 Pay & Clear Now R42.00 Cardless cash withdrawals R1.85 per R100.00 Send money to ewallet R20.00 R3 000.00 R9.95 Reversal of incorrect Send money to ewallet transaction R50.00 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 32 LOTTO purchases are excluded from the Islamic Cheque Account.
Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Transaction description Other fees Private Wealth Visa Cheque Card/Chip & PIN card replacement Card courier fee Cheque book courier fee Voucher retention (Online Banking) Voucher retention (FNB branch, Telephone Banking consultant assisted) R55.00 Online Banking payment history (older than 3 months) Online Banking account verification fee (FNB and other banks accounts) R5.00 Wrongfully disputed debit order fee (if disputed after 40 days and valid agreement exists) R130.00
Structured/Single Facility lending fees For your ease of reference, fees for our product range have been segmented in the table to follow. Existing facility Monthly service fee (applies to clients with credit agreements concluded prior to 1 June 2007 and with a facility size of R500 000.00 or less) Monthly service fee (applies to NCA clients with credit agreements concluded between 1 June 2007 and 6 May 2016) Monthly service fee (applies to NCA clients with credit agreements concluded from 6 May 2016) Monthly service fee (applies to non-nca clients as well as to clients with credit agreements concluded prior to 1 June 2007 with a facility greater than R500 000.00) New facility Once-off initiation fee on mortgage agreements (applies to clients that fall within the ambit of the NCA) Once-off initiation fee on unsecured and secured credit facilities other than mortgage agreements (applies to clients that fall within the ambit of the NCA) Once-off initiation fee on unsecured and secured credit facilities other than mortgage agreements (applies to clients that do not fall within the ambit of the NCA) Structuring fee (applies to non-nca juristic clients) Valuation fees R5.70 R57.00 R68.40 R215.00 R5 985.00 R1 197.00 R2 420.00 % of deal size and is variable based on deal structure Property revaluation fee R1 550.00
Structured/Single Facility lending fees Note: the monthly service fee applicable to your loan will be charged irrespective of the balance outstanding and will only cease when the credit advance has been cancelled. Note: property guarantees are only valid for six months. Amendments will be charged the full rate as per the table to follow. 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 your loan is cancelled without providing 90 days notice. The fee is equal to no more than the interest that would have been payable under the agreement for the period equal to the difference between the 90 days and the period of notice of settlement, given by you Other fees Unpaid debit order fee (applies to non-nca juristic clients) R200.00 Bank cheque commission R100.00 Non-standard guarantee fees Property guarantees (applies to Structured Loan and Single Facility) R2 500.00 bi-annually Property guarantees (applies to Securities Based Loan only) Performance guarantees Performance guarantees (if client uses own funds to issue the guarantee) 1.7% p.a. of value of guarantee or min of R2 500.00 which is charged bi-annually 1.7% p.a. of value of guarantee or min of R2 500.00 which is charged bi-annually R2 500.00 bi-annually
Private Wealth Credit Card Your Private Wealth Credit Card is an ideal transactional banking tool that offers you flexibility in terms of pricing, as well as exclusive benefits that are suited to your lifestyle. Benefit from: Up to 55 days interest free Up to five free linked Petro Cards Earning more ucks when shopping using your Private Wealth Credit Card. Remember every swipe is 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 credit Up to five ucks lost card protection Enhanced in-store card swipes free additional linkage protection and PIN against fraud with security with credit cards replacement Online Secure Visa s Chip & PIN technology Terms, conditions and rules apply.
Private Wealth Credit Card Your Private Wealth Credit Card fees are segmented in the table to follow. Monthly account fees Standalone monthly credit card fee (included in Bundled pricing option) R187.00 Credit facility service fee (included in Bundled pricing option) R13.00 Additional credit card fee (linked to your Private Wealth Credit Card) 33 Petro Card fee (linked to your Private Wealth Credit Card) 33 Once-off initiation fee (for new accounts only) R165.00 transactions The transactions in the table to follow are free on the Standalone and Bundled Credit Card options. Transaction description s Credit card monthly rewards fee Card purchases Credit card purchases 34 Credit card budget purchases 34 Linked account transfers and account payments IVR Smart Transfer to FNB 33 Limited to five free cards, thereafter a card fee of R15.50 per month will apply per additional credit card and R26.50 per month per linked Petro Card. 34 International currency commission and conversion fee of 2.75% of the transaction value applies.
transactions The transactions in the table to follow are free on the Standalone and Bundled Credit Card options. Transaction description Balance enquiries FNB ATM FNB branch International ATM Other banks ATMs Statements Official monthly email statement FNB ATM mini-statement Historical email statements Other fees Changes to account limits Card replacement fee Card delivery courier fee
Excluded transactions The following transactions will be charged for in addition to your Standalone Credit Card monthly account fees and/or Bundled fees: Transaction description Standalone Credit Card Purchases Fuel transaction fee (Petro Card only) R5.00 Linked account transfers and account payments Linked account transfers R3.70 Third-party payments (including IVR Smart Transfer payments) R7.35 Telephone Banking (consultant assisted) R60.00 Transfers and payments (FNB branch) R60.00 Cash withdrawals FNB ATM R1.85 per R100.00 Other banks ATMs R7.00 + FNB ATM fee FNB branch R60.00 + R1.85 per R100.00 International ATM/branch 35 R60.00 + R1.85 per R100.00 Cash on budget R60.00 + R2.75 per R100.00 FNB Slimline ATM (withdrawal limits may apply) R1.85 per R100.00 Other banks Mini-ATMs R7.00 + FNB Slimline ATM fee 35 International 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.
Excluded transactions The following transactions will be charged for in addition to your Standalone Credit Card monthly account fees and/or Bundled fees: Transaction description Standalone Credit Card Cash deposits FNB ATM with Automated Deposit Terminal (ADT) R0.80 per R100.00 FNB branch and FNB ATM with envelope deposit R60.00 + R1.85 per R100.00 Cheque clearance Cheque clearance fee R280.00 Voucher retrieval requests Local R95.00 International R280.00 Other fees Bank cheque administration fee R100.00 Declined transaction fee R8.50 Fast-track card delivery fee (per card, 24-hour delivery on request) International card delivery fee R425.00 As per delivery quote Section 129 letter fee R59.79
Excluded transactions The following transactions will be charged for in addition to your Standalone Credit Card monthly account fees and/or Bundled fees: Transaction description Value-added services fees Standalone Credit Card Cardless cash withdrawals R1.85 per R100.00 Pay2Cell R4.00 Prepaid transaction fee (FNB ATM, Cellphone Banking, Online Banking and Telephone Banking) R2.20 LOTTO/PowerBall purchases 36 R2.20 Send money to ewallet R20.00 R3 000.00 R9.95 Reversal of incorrect Send money to ewallet transaction R50.00 36 LOTTO purchases are excluded from the Islamic Cheque Account.
Foreign Exchange Bring the world closer with our Foreign Exchange solutions FNB 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 with our bespoke suite of FNB Channel Islands Current and Investment Accounts. Private Wealth makes it simple and convenient to transact around the world. Save in a foreign currency open a Global Account Open a Global Account via your Online Banking profile in less than three minutes or through your Private Banker, and then simply fund it via Online Banking No minimum balance required and you earn interest No monthly fees Make payments abroad and transfers between your accounts via Online Banking Earnings from abroad can be paid directly into your Global Account Collect additional ucks Rewards points for currency balances held in your Global Account 37 The funds that you have been saving in your Global Account may now fund a Multi-currency Cash Passport TM (prepaid travel card) for globetrotting, all of which may be facilitated via our Online Banking platform 37 Subject to standard ucks earn rules. Terms, conditions and rules apply.
Travelling abroad With Online Banking you can now order cash in the currency of the country you are travelling to, as well as a Multi-currency Cash Passport TM (prepaid travel card) in any of the four major currencies available on the card: US Dollars, Australian Dollars, Euros or Pounds Top up your funds by reloading your existing Multi-currency Cash Passport TM online before you go, and you can even top up while travelling Pay in advance for your travel arrangements such as hotel reservations, cruises or car hire with our Global Payments solution available via Online Banking or the FNB Banking App on your smartphone Did you know we can deliver your Foreign Exchange to you for free? Simply select delivery when you order Foreign Exchange online or if you prefer, you can collect from your nearest FNB branch International payments made easy Make Global Payments for gifts, tuition, investments and more Save beneficiaries and upload documents online, making it easier for you to make Global Payments anywhere, anytime via Online Banking or the FNB Banking App on your smartphone Using the global SWIFT system, funds can be sent to or from your account from anywhere in the world securely and quickly. Global Payments are traceable from the time they leave your account Make person-to-person payments within 10 minutes to individuals abroad who don t have bank accounts with MoneyGram TM from FNB. MoneyGram TM is available in more than 200 countries worldwide FNB s Top-up Service with PayPal TM allows you to top up funds to a PayPal TM account from a qualifying FNB account you don t need a credit card to shop online FNB s Withdraw Service with PayPal TM allows South Africans to withdraw funds from a PayPal TM account to any South African bank account Terms, conditions and rules apply.
Get rewarded Earn up to 50% back in ucks on your transaction charges when you send or receive foreign currency payments online or via the FNB Banking App on your smartphone 37 50% back in ucks on your transaction charges when receiving foreign currency payments regularly by authorising FNB to convert these funds on your behalf with a standing instruction, through FNB Foreign Exchange 37 For more information on our Foreign Exchange solutions, contact the Foreign Exchange Advisory Team on 0860 4 FOREX (36739) or visit 37 Subject to standard ucks earn rules. Terms, conditions and rules apply.
Foreign Exchange Foreign investment solutions Online Banking Call centre/banker Branch Global Account Transfer (to Rand, from Rand, and between Global Accounts) R60.00 Global Payments and Receipts Global Payments (sending money) Global Receipts (receiving money) Refer to Global Payments and Receipts (SWIFT) fees below Non Resident or Foreign National Foreign Currency Account (FCA) Transfer from FCA to Rand account - R150.00 Transfer from Rand account to FCA - R90.00 Exchange Control applications to the SARB Minimum fee (per application) - R1 300.00 Placing immigration on record with the SARB Minimum fee (per application) - R100.00 Placing emigration on record with the SARB (where the client is a beneficiary of an inter vivos trust) Minimum fee (per application) - R2 600.00
Foreign Exchange Travel solutions Online Banking Call centre/banker Branch Travel products bought from FNB Multi-currency Cash Passport TM Initial card fee R75.00 R100.00 R200.00 Secondary card (optional) - R50.00 Commission (load or reload) 1.75% (min R50.00) 1.85% (min R75.00) 2.00% (min R100.00) Foreign notes Commission 1.80% (min R60.00) 1.90% (min R80.00) 2.00% (min R110.00) CMA notes (Lesotho, Namibia, Swaziland) Commission 3.20% (min R110.00) Delivery Delivery fee Travel products sold to FNB Multi-currency Cash Passport TM If credited to an FNB transactional or Global Account If paid out in cash or credited to any other account - 1.85% (min R75.00) 2.00% (min R100.00)
Foreign Exchange Travel solutions Online Banking Call centre/banker Branch Foreign notes Commission - 2.00% (min R110.00) CMA notes (Lesotho, Namibia, Swaziland) Commission - 3.20% (min R110.00) International payment solutions Online Banking/App Call centre Branch/Banker Global Payments and Receipts (SWIFT) Global Payments (sending money) Commission 38 0.52% (min R140.00, max R650.00) SWIFT fee R105.00 Global Receipts (receiving money) 0.54% (min R150.00, max R700.00) 0.58% (min R160.00, max R750.00) Commission 38 0.54% (min R150.00, max R700.00) - 38 An additional fee of R140.00 will be charged if a payment is sent abroad or received from abroad in Rand.
Foreign Exchange International payment solutions Online Banking/App Call centre Branch/Banker Low-value Global Receipt in foreign currency Value of Global Receipt R0.00 R499.99 R50.00 - R500.00 R999.99 R100.00 - Low-value Global Receipt in ZAR Value of Global Receipt R0.00 R499.99 R50.00 - R500.00 R999.99 R100.00 - R1 000.00 R1 499.99 R150.00 - R1 500.00 R1 999.99 R200.00 - R2 000.00 R2 499.99 R250.00 - Global Receipts received for pension purposes Value of Global Receipt R0.00 R4 999.99 R25.00 - R5 000.00 R9 999.99 R50.00 - R10 000.00 R14 999.99 R75.00 - R15 000.00 + R100.00 -
Foreign Exchange International payment solutions All channels (Branch/ATM/Cellphone Banking) MoneyGram TM Send amount (USD) $0.00 $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
Foreign Exchange International payment solutions All channels (Branch/ATM/Cellphone Banking) MoneyGram TM Send amount (USD) $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 International payment solutions Online Banking /App Call Centre Branch/Banker Foreign cheques Drafts issued (bank cheque drawn in foreign currency to be deposited at an overseas bank) Commission - 1.50% (min R250.00, max R1 000.00) Draft fee - R100.00 Bills negotiable (foreign cheques received) Commission - 1.35% (min R250.00, max R1 000.00) PayPal TM Top up your PayPal TM account Commission 1.50% Withdraw from your PayPal TM account Commission 1.50%
Private Wealth Business Account The 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 Private Wealth Business Account, you can choose between the Pay-As-You-Use (PAYU) pricing option or one of our three Single pricing options. Single pricing options There are three Single pricing options to choose from. With these options, you are charged a monthly fee upfront and do not have to monitor your transaction fees each month, but we ask all clients to verify the transactions and costs on their statements. Per-item billing will only commence once the stipulated limit has been reached. All transactions and their associated costs (where applicable) can be verified on your monthly statement. Description Option 1 Option 2 Option 3 Monthly account fee R240.00 R350.00 R510.00 Point of sale card purchases Transfers and prepaid purchases (Online Banking, FNB Banking App, FNB ATM, Cellphone Banking) Electronic debit transactions 39 Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited 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 39 Debit transactions include all payments performed via the FNB Banking App, FNB ATMs and Online Banking, excluding cheque and branch transactions, Pay & Clear Now, transactions using Online Banking Enterprise TM and other banks ATMs.
Single pricing options Note: transactions not mentioned, or in excess of these limits, will be charged at Private Wealth Business Account Pay-As-You-Use rates. Description Option 1 Option 2 Option 3 Cash deposited at FNB ATM with Deposits only Unlimited cash deposits of up to R50 000.00 per month Unlimited cash deposits of up to R100 000.00 per month Out-of-bundle rates should you exceed the specified number of debit transactions FNB ATM withdrawals and other electronic debit transactions R18.00 R17.00 R16.00 (per transaction) 39 Unlimited cash deposits of up to R250 000.00 per month Cash deposited at FNB ATM with Deposits 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 thereof Pay-As-You-Use pricing option On this pricing option, you are charged for each transaction at the applicable fee. Monthly account fees Account fee R108.00 Monthly petrol card fee (linked to your Private Wealth Business Account) R16.50 39 Debit transactions include all payments performed via the FNB Banking App, FNB ATMs and Online Banking, excluding cheque and branch transactions, Pay & Clear Now, transactions using Online Banking Enterprise TM and other banks ATMs.
Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Transaction description Purchases Prepaid purchases Prepaid purchases FNB electronic banking channels R1.15 Prepaid purchases at other banks ATMs R10.00 Prepaid purchases Telephone Banking (consultant assisted) R10.00 Card purchases Private Wealth Business Cheque Card purchases (local and international) 40 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 (FNB branch, Telephone Banking) R60.00 Account payments Electronic third-party payments (FNB ATM, Online Banking No Role Separation, Telephone Banking IVR) Internal debit orders (debit orders raised by FNB Card, FNB Home Loans, WesBank, FNB Loans, FNB Funeral Cover) max R8.95 R4.00 40 International currency commission and conversion fee of 2.75% of the transaction value applies.
Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Transaction description Account payments External debit orders R17.50 Cheque payments (per item) R95.00 Third-party payments (FNB branch, Telephone Banking consultant assisted) R60.00 Issue of bank cheques (per cheque) R100.00 Express clearing payments (Online Banking, FNB branch, participating banks only) R42.00 Payment honouring fee (per item) R155.00 Scheduled payments Scheduled payment establishment/amendment fee (Online Banking, FNB branch) Stop payment instructions Online Banking, Telephone Banking, FNB branch Payment notifications Email/SMS/fax Cheque books 40 forms R57.00
Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Transaction description Deposit books 100 pages (non-micr) R34.00 100 pages (MICR encoded) R34.00 Subscription fees Online Banking, Telephone Banking, incontact Pro 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 FNB Slimline ATM (withdrawal limits may apply) Other banks Mini-ATMs R1.75 + R0.60 per R100.00 or part thereof R2.40 + R0.90 per R100.00 or part thereof
Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Transaction description Cash withdrawals FNB ATM Other banks ATMs FNB branch Cash handling fee at FNB branch Value per withdrawal R0.00 R4 999.99 R5 000.00 R14 999.99 R15 000.00 R49 999.99 R50 000.00 and greater R3.95 + R1.45 per R100.00 or part thereof R11.50 + R1.45 per R100.00 or part thereof Cheque service fee (min R40.00) + cash handling fee R2.93 per R100.00 or part thereof R2.07 per R100.00 or part thereof R1.71 per R100.00 or part thereof R1.59 per R100.00 or part thereof
Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Transaction description Deposits Cheque deposit at FNB branch (per deposit) R40.00 Special clearance fee R106.00 Effects not cleared upliftment fee R100.00 per R10 000.00 or part thereof (min R500.00, max R5 000.00) Cash deposits FNB ATM R3.75 + R0.76 per R100.00 or part thereof Cash deposit fee at FNB branch Value per deposit R0.00 R4 999.99 R5 000.00 R14 999.99 R15 000.00 R49 999.99 R50 000.00 and greater (min R40.00) R8.40 + R2.81 per R100.00 or part thereof R8.40 + R1.58 per R100.00 or part thereof R8.40 + R1.48 per R100.00 or part thereof R8.40 + R1.25 per R100.00 or part thereof
Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Transaction description Cash deposit fee at FNB Bulk Cash Centres Value per deposit R0.00 R4 999.99 R5 000.00 R14 999.99 R15 000.00 R49 999.99 R50 000.00 and greater Balance enquiries FNB ATM (min R40.00) R5.00 + R2.59 per R100.00 or part thereof R5.00 + R1.77 per R100.00 or part thereof R5.00 + R1.47 per R100.00 or part thereof R5.00 + R1.10 per R100.00 or part thereof Point of sale (Private Wealth Business Cheque Cards only) R1.50 FNB branch and Telephone Banking (consultant assisted) R5.00 Other banks ATMs R5.00 International Point of sale balance enquiries R5.00
Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Transaction description Statements Emailing of current monthly statement (plus optional workable data files) Monthly posted statement R15.00 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) R15.00 Additional statements (fee per month) Paper Online Daily R106.00 R50.00 Weekly R43.00 R23.00 Twice monthly R22.00 R13.00 Penalty fees FNB ATM declined transaction fee (insufficient funds or daily limit exceeded) Other FNB declined transaction fee (local and international Point of sale, scheduled payment) Other banks ATMs declined transaction fee (insufficient funds or daily limit exceeded) R8.50 R8.50 Inward unpaid fee R110.00 Unpaid cheques and/or debit orders R185.00
Excluded transactions The following transactions will be charged for in addition to your monthly account fees: Transaction description Card and other related fees Private Wealth Business Cheque Card/Chip & PIN card replacement R130.00 Voucher retention R55.00 Credit-related fees Overdrafts Overdraft initiation fees An overdraft initiation fee may be charged NCA clients Monthly credit service fee (new or increased overdraft concluded from 1 July 2016) 41 R68.40 Non-NCA clients Monthly credit service fee 41 0.114% of facility (min R68.40, max R1 197.00) 41 Where you have used more than R200.00 of your facility.
Private Wealth offers you specialist lending expertise and services to help you meet your unique wealth needs and aspirations. Our range of flexible lending products can be shaped to your advantage, taking account of your particular requirements, desired funding amount and objectives. We specialise in providing finance for your dream home, holiday home, investment property or rental portfolio through our range of tailor-made lending solutions including home loans, structured loans, securities-based loans and building loans. For your ease of reference, fees for our product range have been segmented in the table to follow. Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility Note: the monthly service fee applicable to your loan will be charged irrespective of the balance outstanding and will only cease when the credit advance has been cancelled. Existing facility Monthly service fee (applies to clients with credit agreements concluded prior to 1 June 2007 and with a facility size of R500 000.00 or less) Monthly service fee (applies to NCA clients with credit agreements concluded between 1 June 2007 and 6 May 2016) Monthly service fee (applies to NCA clients with credit agreements concluded from 6 May 2016) Monthly service fee (applies to non-nca clients as well as to clients with credit agreements concluded prior to 1 June 2007 with a facility greater than R500 000.00) R5.70 R57.00 R68.40 R215.00
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility Note: the monthly service fee applicable to your loan will be charged irrespective of the balance outstanding and will only cease when the credit advance has been cancelled. New facility Once-off initiation fee on mortgage agreements (applies to clients that fall within the ambit of the NCA) Once-off initiation fee on unsecured and secured credit facilities other than mortgage agreements (applies to clients that fall within the ambit of the NCA) Once-off initiation fee on unsecured and secured credit facilities other than mortgage agreements (applies to clients that do not fall within the ambit of the NCA) Structuring fee (applies to non-nca juristic clients) Valuation fees R5 985.00 R1 197.00 R2 420.00 % of deal size and is variable based on deal structure Property revaluation fee R1 550.00 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 your loan is cancelled without providing 90 days notice. The fee is equal to no more than the interest that would have been payable under the agreement for the period equal to the difference between the 90 days and the period of notice of settlement, given by you
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility Note: the monthly service fee applicable to your loan will be charged irrespective of the balance outstanding and will only cease when the credit advance has been cancelled. Note: property guarantees are only valid for six months. Amendments will be charged the full rate as per the table to follow. Other fees Unpaid debit order fee (applies to non-nca juristic clients) R200.00 Bank cheque commission R100.00 Non-standard guarantee fees Property guarantees (applies to Structured Loan and Single Facility) Property guarantees (applies to Securities Based Loan only) Performance guarantees R2 500.00 bi-annually 1.7% p.a. of value of guarantee or min of R2 500.00 which is charged bi-annually 1.7% p.a. of value of guarantee or min of R2 500.00 which is charged bi-annually Performance guarantees (if client uses own funds to issue the guarantee) R2 500.00 bi-annually
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, we will give you at least 20 business days notice of these changes. You ll find changes on FNB s website or FNB ATMs, and/or on your bank statement 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 we describe individually. The grant of any facility or product is subject to you meeting, and continuing to meet the criteria for that facility or product 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 disagreement between the product or facility-specific terms and conditions and what is outlined in this pricing guide, we will follow the product or facility-specific terms and conditions that apply to such a facility or product FNB reserves the right to change the features of any product or facility at any time s quoted as per R100.00 include parts thereof Where Cellphone Banking is referred to, standard network rates apply All fees quoted are VAT-inclusive and are effective from 1 July 2016 to 30 June 2017
Standard terminology To comply with Section 13 of the Code of Banking Practice (COBP) and to assist you in comparing our charges with those of other banks, we have used standardised terminology throughout this guide. For instances where we have used FNB-specific terminology, we have added the table to follow indicating the appropriate standardised terminology that may be used by other banks. Glossary of terms Pre NCA Post NCA Mortgage agreement Service fee Initiation fee Payment honouring fee Refers to clients with credit agreements concluded prior to 1 June 2007 Refers to clients with credit agreements concluded from 1 June 2007 An agreement in terms of which credit is secured by way of security in the form of a pledge of immovable property, such as a home loan secured by way of a bond over the property A service fee is a fee that a credit provider charges a consumer for servicing a credit agreement between them. The fee is for administering or maintaining the credit agreement The initiation fee is a fee that a credit provider charges a consumer for entering into a credit agreement with that consumer A service fee charged for each payment honoured where there is not enough money in your transactional account
24/7 contact your Private Banker visit for more information call the Private Wealth Service Suite on 087 730 6000 (local) or +27 11 245 5080 (international) BANKING I LENDING I WEALTH MANAGEMENT I INVESTMENTS I STOCKBROKING I FIDUCIARY SERVICES