Student Account Pricing Guide 1 July 2015-30 June 2016 First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
Student Account R24.50 p/m Are you or one of your children a full-time student between the age of 18 and 25? If so, FNB s Student Account might be up your academic alley. It s aimed at speaking specifically to full-time students in this age group studying towards a degree or diploma at a recognised tertiary education institution. With everything going on in your life right now from the course you ve signed up for to your car breaking down, from your part-time job to last night s party we think that the last thing you want to be worried about is micro-managing money. That s why FNB s easy-tounderstand Student Account is the account for you. Unlimited Pricing Option Transaction Fees* Monthly Account Fee R 24.50 FNB ATM Withdrawals FNB Slimline Withdrawals 4 Free per Month echannel and Mobile Channel Transfers echannel and Mobile Channel Payments Internal and External Debit Orders * Fees not listed above are as per Pay-As-You-Use Fees Other Fees Monthly Fees Monthly Account Fee (Not charged where minimum balance is maintained) R 6.00 Online and Cellphone Banking Subscriptions incontact Minimum Balance for Rebate R 500.00
Card Purchases Pay with your Card Commission and Currency Conversion Fee on International Card Purchases 2.75% of transaction value Cash Withdrawals Cash@Till FNB/ Other Banks' Slimline R 5.00 FNB ATM R 3.95 + R 1.30 per R 100 Other Banks' ATM International ATM (Additonal 2.75% Commission and Conversion fee applies) R 6.50 + FNB ATM Fee R 50.00 FNB Branch/ Cheque R 50.00 + R 1.65 per R 100 International Branch (Additonal 2.75% Commission and Conversion fee applies) R 50.00 + R 1.65 per R 100 Deposits Cash Deposit at FNB ATM R 0.70 per R 100 (Min R 5.50) Cash Deposit at FNB Branch R 1.65 per R 100 (Min R 50.00) Cheque Deposit at FNB Branch and ATM R 30.00 ENC Upliftment Fee and Special Clearance R 100.00 Linked Account Transfers 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 16.00 Cancel Debit Order (Stop Payment) 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 Branch R 12.00
Prepaid Airtime Purchases FNB Connect Airtime using echannels & Mobile Channels Other Airtime using echannels & Mobile Channels R 1.10 Other Banks' ATM or Telephone Banking (Consultant Assisted) R 9.00 Balance Enquiries Using echannels & Mobile Channels 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 FNB ATM Transaction List R 3.00 Historical Statements older than 3 months - Online Banking Emailing of Statements - Branch and Telephone Banking Printing of Statements - Smart Kiosk Printing of Statements - Branch and Telephone Banking R 6.00 (per statement) R 13.00 (per statement) R 3.50 (per page) R 13.00 per page (Charges only apply to the first six pages.) Unsuccessful Transactions (Insufficient Funds) FNB ATM Point-of-Sale, Scheduled Payment, EDO and Other banks ATM R 8.00 Insufficient funds fee (Returned item Cheque or Debit order) Payment Honouring Fee* (Value of payment R 0 R 1 000) Payment Honouring Fee* (Value of payment R 1 000.01 +) R 60.00 for the first three items, thereafter R138 per subsequent item within 12 months R 50.00 per Item R 75.00 per Item Card Replacement Fees Chip & PIN Non-Personalised Card R 80.00 Convenience and Value Added Services LOTTO /Powerball, Pay TV prepaid, itunes, Electricity, Traffic Fines, Transport R 1.75 Pay TV prepaid purchase 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 an 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 * A service fee charged for each payment honoured where there is not enough money in your transactional account.
Additional Statements (fee per month) Daily R 48.00 Online Weekly R 22.00 Twice Monthly R 12.00 Daily R 100.00 Paper Weekly R 40.00 Twice Monthly R 20.00 Electronic Subscriptions Services (fee per month) My Limit Alert R 3.00 Scheduled Payment Alert R 3.00 Balance Alert (fee per month) 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 Other Fees Card Courier Fee R 95.00 Online Banking Account Verification (FNB Accounts and Other Banks Accounts) R 4.60 Online Banking Payment History (older than 3 months) R 4.60 Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists) R 130.00 The Small Print FNB s Small Print is straightforward. Here we go: Information on our products and prices 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 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. First National Bank, a division of FirstRand Bank Ltd, is an Authorised Financial Services Provider. Terms, Conditions and Rules apply. Standard network rates apply. 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.