FNBy Account & FNBy Islamic Account Pricing Guide 1 July 2017 30 June 2018 First National Bank a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
Introducing FNBy For youth younger than 25 It is never too early to start learning about money and how to manage it! FNBy is here to help with step-by-step guides and great benefits. From a fully functional account that can be used for day-to-day banking to a savings account with great interest rates - FNBy is the full banking solution! And we ve designed it so that no matter how old you are, we ve got you covered! Under 18? Check out pages 2 to 6 below Between the ages of 18 and 25? Check out pages 7 to 10 below For Youth younger than 18 No monthly account fee while you are under the age of 18 When it comes to money, it s never too early to take it seriously. So if you are younger than 18 years of age or if you have a child younger than 18 years of age the FNBy Account has been designed especially for you. This account offers great savings on fees like not charging a monthly one while teaching young children, tweens and teens the whys and hows of banking better. FNBy Islamic Account FNB is proud to offer you a Shari ahcompliant FNBy Islamic Account, with the same value-adds, reward benefits and pricing as an FNBy Account. With Islamic Banking, you earn a monthly profit share on your FNBy Islamic Account. For more information, contact the Islamic Banking Service Suite on 087 578 6786. Terms, Conditions and Rules apply. 2
Unlimited free swipes when you use your card to pay subscription to dual incontact. We ll SMS your parent when more than R100 goes out of or into your account Access to anytime, anywhere banking - Our Banking App is equipped with rich functionality that helps you to easily and conveniently manage your accounts. It is also the most cost effective way of banking Access to vouchers on the FNB App as well as exclusive discounts and promotional offers from our retail partners Talk. Engage. Stay connected. Get up to 1GB back in data on Connect Airtime, Voice, Data or SMS purchases purchases from your FNBy Account Bank Unlimited free swipes Receive alerts through text messages when a transaction is made via incontact. If you are under the age of 18, incontact messages will be sent to your parent s existing contact details as provided when the account was opened electronic transfers Save Learn how to save with an account designed just for you! A savings account designed specifically for youth under the age of 18 Access up to 100% of your money after 5 days notice The ability to add money at any time No monthly or transactional fees Great interest rates on balances above R100 Reinvest your interest or redirect it to another bank account Your original deposit and quoted returns are 100% guaranteed Transactional Account Monthly Fees Monthly Account Fee Subscription to the FNB Banking App incontact Card Purchases Pay with your Card Commission and Currency Conversion Fee on International Card Purchases 2.75% of transaction value Cash Withdrawals Cash@Till R1.40 FNB ATM* Other Banks ATMs International ATM (Additional 2.75% Commission and Conversion fee applies) International Branch (Additional 2.75% Commission and Conversion fee applies) R1.85 per R100 R8 + R1.85 per R100 R60 + R1.90 per R100 * Includes Cardless Cash and Slimline Withdrawals. 3
Deposits Cash Deposit at FNB ATM (with Deposits) Cash Deposit at FNB Branch CMA* Cross-Border Receipt Cheque Deposit at FNB Branch and ATM R0.90 per R100 R60 + R1.90 per R100 R100 + applicable Cash Deposit Fees R45 + R5.00 per cheque * Common Monetary Area. Linked Account Transfers Using Mobile and echannels FNB Branch or Telephone Banking (Consultant Assisted) Payments Using Mobile and echannels R3.75 FNB Branch or Telephone Banking (Consultant Assisted) Bank Cheque R110 Scheduled Payment (Establishment and Amendment) Branch R16 Prepaid Airtime Purchases Connect Airtime using echannels and Mobile* Channels Using echannels and Mobile Channels (Non-Connect Airtime) R0.60 per R5 (Max R1.80) Other Banks ATMs R12.50 Balance Enquiries Using Mobile and echannels Point-of-Sale R1.50 Other Banks ATMs, International Point-of-Sale, Branch or Telephone Banking (Consultant Assisted) R5.50 Statements Current Month Emailed Statement FNB ATM Transaction List Posted Statement Emailing of Statements Branch and Telephone Banking Printing of Statements ATM with Deposits Printing of Statements Branch and Telephone Banking R3 R16 (per statement) R16 (per statement) R3.50 (per page) R25 (per statement) Unsuccessful Transactions (Insufficient Funds) FNB ATM Point-of-Sale, Scheduled Payment, Debit Order and Other Banks ATMs R8.50 4
Card Replacement Fees Chip & PIN Personalised Card Chip & PIN Non-Personalised Card R140 R90 Convenience and Value Added Services Pay TV prepaid, itunes, Electricity, Traffic Fines, Transport R1.95 MultiChoice Payments R6.00 Pay & Clear Now R45 Cash Swaps R10 per R1 000 Common Monetary Area (CMA) Cross-Border Receipt R100 plus applicable Cash Deposit Fee Send Money Send Money to an ewallet R10.95 Reversal of incorrect Send Money to ewallet transaction R50 Send Money to Zimbabwe/Mozambique Value: R20 R1 000 Value: R1 000.01 R2 000 Value: R2 000.01 R3 000 R45 R70 R105 Additional Statements (fee per month) Paper Daily Weekly Twice-monthly R112 R46 R23 Electronic Subscription Services (fee per month) My Limit Alert R3.20 Scheduled Payment Alert R3.20 Balance Alert (fee per month) Monthly R1.10 Weekly R3.20 Daily R16 Payment Notifications Email R0.85 SMS R1.25 Fax R6.35 5
For Youth between the ages of 18 and 25 R10 p.m. Being independent is great. But it will get hard sometimes too. And while we can t help you with everything we can help you with the banking side of things. So whether you are planning on going to varsity, or travelling the world, or taking a gap year to contemplate what comes next, there are financial implications that we can help you to understand if it all feels a bit overwhelming. The FNBy Account gives you access to transactional banking, savings accounts, benefits and special offers designed just for you. Unlimited free swipes when you use your card to pay ebucks Travel Unforgettable travel adventures with Topdeck & ebucks Travel Bank Unlimited free swipes subscription to incontact. This means we ll SMS you for free every time more than R100 goes out of or into your account electronic transfers Access to anytime, anywhere banking - Our Banking App is equipped with rich functionality that helps you to easily and conveniently manage your accounts. It is also the most cost effective way of banking Access to vouchers on the FNB App as well as exclusive discounts and promotional offers from our retail partners Talk. Engage. Stay connected. Get up to 1GB back in data on Connect Airtime, Voice, Data or SMS purchases from your FNBy Account Save Save with an account designed just for you! With our range of Savings and Investment accounts, we offer you the flexibility to save simply, conveniently and with easy access to your funds. Savings Account Get immediate access to your money. 32 Day Flexi Notice Save for a special occasion or event. Access your money for free, after 32 days notice, or sooner at a cost. Visit our website for more information. Tax Cash Deposit The Tax Cash Deposit guarantees your capital and quoted returns. You have access to your money after 32 days notice and never pay tax on your returns. 6
Transactional Account Monthly Fees Monthly Account Fee Online and Cellphone Banking Subscriptions incontact R10 Card Purchases Pay with your Card Commission and Currency Conversion Fee on International Card Purchases 2.75% of transaction value Cash Withdrawals Cash@Till Cardless cash withdrawals FNB ATM Other Banks ATMs A combination of R3 000 free per month, after which fees listed on the right apply R1.40 R1.85 per R100 R1.85 per R100 R7 + R1.85 per R100 International ATM (Additional 2.75% Commission and Conversion fee applies) International Branch (Additional 2.75% Commission and Conversion fee applies) R60 + R1.90 per R100 Deposits Cash Deposit at FNB ATM Cash Deposit at FNB Branch Cheque Deposit at FNB Branch and ATM R3000 free, thereafter R0.90 per R100 R60 + R1.90 per R100 R45 + R5.00 per Cheque Linked Account Transfers Using Mobile* and echannels FNB Branch or Telephone Banking (Consultant Assisted) Payments Using Mobile* and echannels FNB Branch or Telephone Banking (Consultant Assisted) Bank Cheque R110 Debit Orders Internal External Cancel Debit Orders (Stop Payments) Online or Mobile* Channels Telephone Banking (Consultant Assisted) R18.50 Branch R55 7
Scheduled Payment (Establishment and Amendment) Online Branch R16 Prepaid Airtime Purchases Connect Airtime using echannels and Mobile* Channels Using echannels and Mobile* Channels (Non-Connect Airtime) R1.20 Other Banks ATMs R12.50 * The account-holder will be eligible for Cellphone Banking transactions but not FNB Banking App transactions. Balance Enquiries Using Mobile* and echannels Point-of-Sale R1.50 Other Banks ATMs, International Point-of-Sale, Branch or Telephone Banking (Consultant Assisted) R5.50 * The account-holder will be eligible for Cellphone Banking transactions but not FNB Banking App transactions. Statements Current Month Emailed Statement Cellphone Banking Mini Statement FNB ATM Transaction List Posted Statement Historical Statements older than 3 months Online Banking Emailing of Statements Branch and Telephone Banking Printing of Statements ATM with Deposits Printing of Statements Branch and Telephone Banking R3 R16 (per statement) R6.50 (per statement) R16 (per statement) R3.50 (per page) R25 (per statement) Unsuccessful Transactions (Insufficient Funds) FNB ATM Point-of-Sale, Scheduled Payment, Debit Order and Other Banks ATMs R8.50 Card Replacement Fees Chip & PIN Personalised Card Chip & PIN Non-Personalised Card R140 R85 Convenience and Value Added Services Pay TV prepaid, itunes, Electricity, Traffic Fines, Transport R1.95 MultiChoice Payments R6.00 Pay & Clear Now Common Monetary Area (CMA) Cross-Border Receipt R45 R100 plus applicable Cash Deposit Fee 8
Send Money Send Money to an ewallet R10.95 Reversal of incorrect Send Money to ewallet transaction R50 Send Money to Zimbabwe/Mozambique Value: R20 R1 000 Value: R1 000.01 R2 000 Value: R2 000.01 R3 000 R45 R70 R105 Additional Statements (fee per month) Online Paper Daily Weekly Twice-monthly Daily Weekly Twice-monthly R53 R24 R14 R112 R46 R23 Electronic Subscription Services (fee per month) My Limit Alert Scheduled Payment Alert R3 R3 Balance Alert (fee per month) Monthly Weekly Daily R1 R3 R15 Payment Notifications Email R0.85 SMS R1.25 Fax R6.35 Other Fees Online Banking Account Verification (FNB Accounts and Other Banks Accounts) Online Banking Payment History (older than 3 months) Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists) R6 R6 R130 9
The Small Print Our Small Print is straightforward. Here we go: Information on our products and prices First National Bank a Division We strive to keep the of FirstRand Bank Limited. An information provided in the Authorised Financial Services pricing guide as accurate as and Credit Provider (NCRCP20), possible, and we will not be reserves the right to change held responsible if an error or fees or introduce new fees omission is found. from time to time. If we do this, You must apply for each facility though, we ll give you at least or product individually. 20 business days notice of The granting of any facility these changes. You ll find these or product is subject to you changes on FNB s website. 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 a disagreement between the product or facilityspecific 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. FNB reserves the right to change the features of any product or facility at any time. Fees quoted as per R100 include parts thereof. Where Cellphone Banking is referred to, standard network rates apply. All fees quoted are VATinclusive and are effective from 1 July 2017 to 30 June 2018. First National Bank a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). 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 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 Online Banking, Telephone Banking Interactive Voice Response (IVR) and FNB ATMs. FNB s Mobile Channels refer to Cellphone Banking and the FNB Banking App. 10