Get the most value from your private banking.
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get the most
value from your
private banking.
FNB Private Clients
Pricing guide
1 July 2015 – 30 June 2016
Terms, conditions and rules apply.
First National Bank - a division of FirstRand Bank Limited.
An Authorised Financial Services and Credit Provider (NCRCP20).Contents
Introduction 01
Ways to bank 02
eBucks Rewards and benefits 03
FNB Private Clients Cheque Account 05
FNB Private Clients Credit Card 08
FNB Forex 09
Important information 12
Contact us 12Introduction
This pricing guide has been designed to assist you in understanding The fees outlined in this guide are VAT inclusive and are effective
your bank charges and to help you make banking choices that from 1 July 2015 to 30 June 2016.
enable you to get the most out of banking with us.
Open the door to greater financial freedom Where can I apply for FNB Private Clients?
FNB Private Clients aims to help you grow, manage and protect If you earn above R750 000.00 per annum, you can apply for
your wealth with innovative solutions and expert advice. FNB Private Clients by visiting www.fnb.co.za/privateclients
Transactional
banking
Fiduciary
services
Your Private
Banker, your
Go-to Guy eBucks
Personal Rewards
credit
FNB
Exclusivity
Private
Clients Team of
experts
Stockbroking
eBucks
Lifestyle
Value
Structured
lending
Self-service Benefits
Digital Banking:
Online | App
Savings and
investments
Financial
planning
Back to top 01Ways to bank
FNB Private Clients Cheque and Credit Cards Online Banking and the FNB Banking App
Swipe your card instead of using cash. It is safer, cheaper, more Make use of our innovative, secure and intuitive electronic channels
convenient and qualifying clients earn eBucks. to perform day-to-day transactions such as:
Making once-off payments and transfers.
Dedicated 24/7 Service Suite
Applying for credit or increasing your credit limit.
Our Service Suite is committed to assisting you with all of your
day-to-day banking needs such as: Setting up scheduled payments and transfers.
Retrieving historical statements.
General banking queries.
Card and PIN maintenance.
Banking transactions.
Stopping cheques and/or debit orders.
Fraud queries.
Ordering Forex.
Card renewals/activations or cancellations.
Global Payments and Receipts.
Official bank letters required by institutions (eg, Visa letters).
Making prepaid purchases.
Back to top 02eBucks Rewards and benefits
Switch on your banking benefits with FNB Private Clients Rewards.
Safe and convenient shopping complete with the 15%
best rewards
Earn up to 15% shop at Checkers & Shoprite.
back in eBucks
when you
2.5% 1.25%
Earn up to 2.5% swipe your FNB and up to swipe your FNB
back in eBucks Private Clients 1.25% back Private Clients 15%
when you Credit Card when you Cheque Card.
Earn up to 15% load prepaid or buy prepaid electricity
back in eBucks airtime electronically through FNB.
when you
5% 2.5%
Earn up to 5% shop online and up using your FNB
50%
back in eBucks or purchase to 2.5% Private Clients
when you internationally back when Cheque Card.
using your FNB Earn up to 50% transaction charges or via the FNB
Private Clients back in eBucks when you send or receive Banking App.
Credit Card on your foreign currency online
100%
15%
Earn up to 15% fill up at any buy Gautrain or when Earn up to transaction charges when receiving foreign currency
back in eBucks fuel station, tickets, using Uber 100% back in regularly by authorising FNB Forex to convert these
when you domestically. eBucks on your funds on your behalf with a standing instruction.
For more information on eBucks Rewards, visit www.ebucks.com
03Convenience with Access to airport and business lounges
eBucks Lifestyle Access to
All your travel arrangements (flights, car rental and accommodation). SLOW Domestic Lounges.
Gifting services like ordering flowers, wine, gift vouchers and hampers. SLOW International Lounges.
Lifestyle experiences such as spa days, hot air balloon rides and SLOW in the City.
luxury picnicking.
Priority Pass International Lounges.
Dining reservations and sourcing sport and event tickets.
Up to five complimentary Avis Point2Point one-way trips per annum. Peace of mind for you and your family with
Up to 10 complimentary visits to Priority Pass International Lounges
per annum.1 FREE AA Emergency Roadside Assistance on your linked FNB Private
Clients Petro Card.
15% discount on Speed Pass – a VIP meet-and-assist airport service at
over 285 international airports worldwide. FREE Comprehensive Global Travel Insurance when using your FNB
Private Clients Cheque or Credit Card to pay for return local and
Access to exclusive discounts on a special collection of game lodges international travel tickets.
and hotels.
FREE Take Me Home, our designated driver service that will get you
home safe and sound (available on your linked FNB Private Clients
Access to discounts on data Petro Card).
Terms, conditions and rules apply.
1
To access Priority Pass International Lounges, request your complimentary Priority Pass card three
weeks before your travel date by sending a request to ebuckslifestyle@ebucks.com
100%
Get up to monthly Uncapped ADSL data
100% off your subscription through FNB Connect.
Back to top 04Exclusive rewards and benefits – see the ‘eBucks Rewards and
FNB Private Clients benefits’ section for more information.
Cheque Account There are two pricing options to choose from. If you are able to
maintain a balance of R75 000.00 in your Cheque Account at
An FNB Private Clients Cheque Account offers you so much more all times, you will not pay the monthly account fee on both
than just a bank account – it offers you functionality and flexibility, pricing options.
allowing you to manage your money in the best way possible. FNB
Private Clients offers you everything you need for your banking and 1 Unlimited pricing option
financial planning, superbly complemented by a choice of rewards
and lifestyle offers – so you have the freedom to focus on the Pay a fixed monthly fee for your Cheque Account and always be
essential things in life. in control of what you pay. You get unlimited electronic banking
transactions which include:
What an FNB Private Clients Cheque Account offers you
Debit orders.
A dedicated Private Banker and access to a team of fiduciary, Card purchases.
lending, wealth management and foreign exchange specialists. Payments and transfers using our electronic channels.
Access to our 24/7 Service Suite to assist with your Prepaid purchases using our electronic channels.
day-to-day banking needs..
FREE access to our secure and convenient electronic channels 2 Bundled pricing option
such as Online Banking and the FNB Banking App to perform
your day-to-day transactions. Pay a fixed discounted monthly fee for both your Cheque Account
and Credit Card. This fee includes all the benefits of the Unlimited
FREE debit order and salary switching.
pricing option stated above.
FREE card delivery as well as no annual card fees.
FREE monthly email statements. The following fees are also included under this option:
FREE subscription to inContact, which alerts you of activity on
Monthly overdraft fee.
your account.
Monthly credit card fee.
A variety of credit solutions as well as a linked, personalised
Credit card facility service fee.
interest rate.
Petro Card fee (linked to your FNB Private Clients Credit Card).
Smartphones and tablets at discounted prices over a
24-month period with 0% interest. Additional credit card fee (linked to your FNB Private Clients
Credit Card).
Enhanced in-store security with Visa’s Chip & PIN technology.
Safer online shopping with Online Secure, which sends a One
Note that all fees quoted in the tables to follow are VAT inclusive.
Time PIN (OTP) to your cellphone to validate your purchases.
Fees that have not increased or that have reduced appear
in turquoise.
05Monthly account fees and included transactions Other transaction fees applicable
Transactions not mentioned, or in excess of the aforementioned
Unlimited Bundled
Monthly cheque account fee R270.00 R345.00
limits, will be charged for as per the table below.
Minimum balance for
R75 000.00
monthly fee to be waived
Transaction description Fee
Monthly overdraft fee
Purchases
Monthly credit card fee
Credit card facility service fee Card purchases
Other product fees included
Petro Card fee (linked to Petrol Card fuel purchases R5.00
in your monthly cheque –
your FNB Private Clients
account fee
Credit Card) Commission and currency conversion fee on
2.75% of transaction value
international card purchases
Additional credit card fee
(linked to your FNB Private Prepaid airtime purchases
Clients Credit Card)
Other banks’ ATM R9.00
Monthly credit service
R57.00 R57.00
fee (overdraft) Telephone Banking (consultant assisted) R9.00
Rebate on monthly credit
Cash withdrawals
service fee (when you do
R22.00 R57.00
not use more than your
FNB Slimline ATM R5.00
overdraft limit)
Card purchases FREE FNB ATM R3.95 + R1.30 per R100.00
Prepaid purchases FREE Other banks’ ATM R6.50 + FNB ATM fee
Electronic payments International ATM cash withdrawals3 R50.00
FREE
and transfers
FNB branch/cheque R50.00 + R1.65 per R100.00
Debit orders (internal
FREE International branch3 R50.00 + R1.65 per R100.00
and external)
Cash@Till™ withdrawals FREE Deposits
FNB ATM cash withdrawals 12 FREE FREE Cash deposits
FNB ATM cash deposits 2
1 FREE FREE FNB ATM R0.70 per R100.00 (min R5.50)
eBucks Rewards subscription FREE FNB branch R1.65 per R100.00 (min R50.00)
Subscription to inContact, Cheque deposits
Online Banking, Cellphone
FREE
Banking, Telephone Banking FNB ATM/FNB branch R30.00
and FNB Banking App
Special clearance fee R100.00
Monthly petrol card fee
(linked to your FNB Private R15.50 Effects not cleared upliftment fee R100.00
Clients Cheque Account)
Linked account transfers
Monthly device payment fee
(applies only if you have taken FNB branch, Telephone Banking
Device dependent R50.00
up an FNB smartphone/ (consultant assisted)
tablet/laptop offer)
Payments
FNB branch, Telephone Banking
2
Up to a total of R20 000.00 FREE per month. R50.00
(consultant assisted)
Issue of bank cheques (per cheque) R90.00
Note that Bundled and Unlimited pricing is not applicable to
business accounts, and Bundled pricing is not applicable to 3
International currency commission and conversion fee of 2.75% of the transaction value applies.
joint accounts.
06Transaction description Fee Transaction description Fee
Scheduled payments Statements
Scheduled payment establishment/ Provisional email statement (FNB branch,
FREE R13.00
amendment fee (Online Banking) Telephone Banking, per statement)
Scheduled payment establishment/ Additional statements (fee per month) Paper Online
R12.00
amendment fee (FNB branch)
Daily R100.00 R48.00
Stop payment instructions
Weekly R40.00 R22.00
Online Banking R5.00
Twice monthly R20.00 R12.00
Telephone Banking (consultant assisted) R17.50
Returned item fees
FNB branch R50.00
FNB ATM (insufficient funds or daily
Payment notifications FREE
limit exceeded)
Email R0.74 Other returned item fees (other banks’
ATM, local and international Point of Sale, R8.00
SMS R1.15 scheduled payment)
Fax R5.50 Cheque/debit orders (per item within a
R60.00 for first 3, R138.00 thereafter
12-month period)
Cheque books
Payment honouring fee
40 form R50.00
Value per payment
Electronic subscription fees (per month)
R0.00 – R1 000.00 R50.00
My Limit Alert R3.00
R1 000.01 + R75.00
Scheduled payment alert fee R3.00
Credit fees
Balance alerts (per month)
Monthly service fee (revolving loan) R57.00
Daily R15.00
Value-added services fees
Weekly R3.00
LOTTO/PowerBall purchases, prepaid
R1.75
Monthly R1.00 electricity, prepaid Pay TV, iTunes, traffic fines
MultiChoice payments R5.00
Balance enquiries
Online Banking, Cellphone Banking and FNB Pay & Clear Now R40.00
FREE
Banking App
Cardless cash withdrawals R5.00
Point of Sale (FNB Private Clients Visa Cheque
R1.50 Send money to eWallet (R20.00 – R3 000.00) R9.50
Cards only)
FNB branch and Telephone Banking Reversal of incorrect ‘Send money to
R5.00 R25.00
(consultant assisted) eWallet’ transaction
Other banks’ ATM R5.00 Send money to Zimbabwe/Mozambique
International Point of Sale balance enquiries R5.00 R20.00 – R1 000.00 R45.00
Statements R1 000.01 – R2 000.00 R70.00
Emailing of current monthly statement R2 000.01 – R3 000.00 R105.00
FREE
(plus optional workable data files)
Other fees
Monthly posted statement R13.00
Card replacement fee R120.00
Mini-statements (Cellphone Banking) FREE
Card courier fee R95.00
Mini-statements (FNB ATM) R3.00
Cheque book courier fee R200.00
Printed statements (Smart Kiosk, per page) R3.50
Voucher retention (Online Banking) FREE
Printed statements (FNB branch, Telephone
R13.00
Banking, per page) Voucher retention (FNB branch, Telephone
R50.00
Banking – consultant assisted)
Historical statements older than 3 months
R6.00
(Online Banking, per statement) Online Banking payment history (older than
R4.60
3 months)
07Transaction description Fee Monthly account fees Fee
Other fees Standalone monthly credit card fee R149.00
Online Banking account verification fee Credit facility service fee (included in Bundled
R4.60 R11.00
(FNB and other banks’ accounts) pricing option)
Wrongfully disputed debit order fee (if disputed Additional credit card fee (linked to your FNB
R130.00 FREE
after 40 days and valid agreement exists) Private Clients Credit Card)4
Petro Card fee (linked to your FNB Private
FREE
Clients Credit Card)4
FNB Private Clients Credit Card
Once-off initiation fee (for new accounts only) R150.00
4
Limited to five FREE cards, thereafter a card fee of R14.50 per month will apply per additional
credit card and R25.00 per month per linked Petro Card.
The FNB Private Clients Credit Card has been designed to be the
FREE transactions
ultimate transactional banking tool that offers you flexibility in
terms of fees, while offering you exclusive Private Clients benefits The transactions tabulated below are FREE on the Standalone and
that are best suited to your lifestyle. Bundled Credit Card options:
What an FNB Private Clients Credit Card offers you Fees
Credit Card Monthly Rewards Fee
Up to five FREE additional secondary credit cards.
Card purchases
Up to five FREE linked Petro Cards. Credit card purchases5
FREE eBucks Rewards subscription. Credit card budget purchases5
Linked account transfers and account payments
FREE card initiation if you spend R500.00 or more on your credit
IVR Smart Transfer to FNB
card within the first month.
Balance enquiries
FREE monthly email statements. FNB ATM
FREE Comprehensive Global Travel Insurance. FNB branch
International ATM
FREE credit card swipes.
Other banks’ ATM
FREE lost card protection and PIN replacement.
Statements
FREE subscription to our secure and innovative self-service Official monthly email statement
electronic channels (Online Banking, Cellphone Banking and FNB ATM mini-statement
the FNB Banking App) that allow you to bank anywhere Historical email statements
and everywhere. Other fees
Changes to account limits
FREE protection against fraud with Online Secure.
Card replacement (including delivery)
Enhanced in-store security with Visa’s Chip & PIN technology.
Card delivery to nearest FNB outlet
Card delivery courier fee
Your FNB Private Clients Credit Card fees are segmented in the
table to follow. Fees that have not increased or that have reduced 5
International currency commission and conversion fee of 2.75% of the transaction value applies.
appear in turquoise.
Back to top 08Excluded transactions Transaction description Fee
Value-added services fees
The following transactions will be charged for in addition to your
Send money to eWallet (R20.00 – R3 000.00) R9.50
monthly account fees: Reversal of incorrect ‘Send money to
R20.00
eWallet’ transaction
Cardless cash withdrawals R3.00 + FNB ATM fee
Transaction description Fee
Pay2Cell R3.80
Purchases
Prepaid transaction fee (FNB ATM,
Fuel transaction fee (Petro Card only) R5.00 Cellphone Banking, Online Banking R2.20
and Telephone Banking)
Linked account transfers and account payments
LOTTO/PowerBall purchase R2.20
Linked account transfers R3.50
Third party payments (including IVR Smart
R7.00
Transfer payments)
Telephone Banking (consultant assisted) R50.00
FNB Forex
Transfers and payments (FNB branch) R50.00
Cash withdrawals
FNB ATM R3.95 + R1.30 per R100.00 Bring the world closer with our foreign exchange solutions
Other banks’ ATM R6.50 + FNB ATM fee
FNB branch R50.00 + R1.65 per R100.00 FNB Forex offers a range of foreign exchange solutions to suit
International ATM/branch 6
R30.00 + R1.65 per R100.00 your needs; whether you are travelling, sending or receiving
Cash on budget R50.00 + 2.50% of withdrawal value money globally, saving in a foreign currency with a Global Account,
FNB Mini-ATM and other banks’ Mini-ATM R3.95 + R1.30 per R100.00 managing imports and exports, or investing offshore. Forex is the
Cheque deposits simple and convenient way to transact around the world.
Cheque deposit R27.50
Cash deposits Travelling abroad
FNB ATM with Automated Deposit
R0.70 per R100.00 (min R5.50)
Terminal (ADT)
Buy foreign notes online and have them delivered to your door.
FNB branch and FNB ATM with
R1.65 per R100.00 (min R50.00)
envelope deposit
Purchase a Multi-currency Cash PassportTM via your Private
Cheque clearance
Banker or the Forex Advisory Team and have access to 4
Cheque clearance fee R265.00
currencies on 1 card when travelling.
Voucher retrieval requests
Local R85.00 Pay in advance for travel arrangements such as car hire,
International R265.00 cruises and theatre tickets via Online Banking or the FNB
Other fees Banking App and earn eBucks.7
Bank cheque administration fee R80.00
Declined transaction fee R8.00
7
Subject to standard eBucks earn rules.
Fast-track card replacement fee (per card,
R400.00
24-hour delivery on request)
Section 129 letter fee R59.79
6
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.
Back to top 09Sending and receiving money from abroad For more information on our Forex solutions, contact the
Forex Advisory Team on 0860 4 FOREX (36739) or visit
Make global payments for a host of reasons; including gifts, www.fnb.co.za/forex
tuition or investments.
Save beneficiaries and upload documents online, making it Travel products bought from FNB
Online Banking/
FNB branch
Call Centre
easier for you to transact anywhere, anytime.
Cash Passport
Earn eBucks when you send and receive foreign currency via Initial card fee (per currency) R80.00 R130.00
Online Banking or the FNB Banking App. 7
Cash Passport commission 1.85% (min R68.00) 1.95% (min R75.00)
Foreign notes
Make person-to-person payments within 10 minutes to
Foreign notes commission 1.95% (min R75.00) 1.98% (min R90.00)
individuals abroad who don’t have bank accounts with
LSL, NAD, SZL notes commission 3.15% (min R100.00)
MoneyGramTM from FNB. MoneyGramTM is available in more
Delivery
than 200 countries worldwide.
Delivery fee R160.00 –
Failed delivery fee (if client was not available
Diversify your investments – open a Global Account when appointment was made)
R185.00 –
Online Banking/
Travel products sold to FNB FNB branch
Open and manage your Global Account online in various Call Centre
Cash Passport
currency options.
If credited to an FNB transactional account FREE
No minimum balance required and you earn interest. If paid out in cash or credited to any
2.00% (min R68.00) 2.05% (min R75.00)
other account
No monthly fees.
Foreign notes
Make payments abroad or between your accounts via Foreign notes commission – 1.98% (min R90.00)
Online Banking. LSL, NAD, SZL notes commission – 3.15% (min R100.00)
Online Banking/ FNB branch/
Earnings from abroad can be paid directly into your International payments
FNB Banking App Call Centre
Global Account. Global Payments (SWIFT)
0.52% (min R140.00, 0.54% (min R150.00,
Commission
Get rewarded max R680.00) max R700.00)
SWIFT fee R105.00
Earn up to 50% back in eBucks on the transaction charges Additional fee if payment is sent in South
African rand
R130.00
when sending or receiving foreign currency online or via the Global Receipts (SWIFT)
FNB Banking App.7+8 Commission 0.52% (min R145.00, max R680.00)
Additional fee if payment is received in
Earn up to 100% back in eBucks on the transaction charges South African rand
R130.00
when receiving foreign currency regularly by authorising FNB
Forex to convert these funds on your behalf.7
7
Subject to standard eBucks earn rules.
8
Global Payments and Receipts are only available via the FNB Banking App on your smartphone.
Terms and conditions apply.
10Foreign cheques All channels MoneyGramTM Send fee (USD)
Drafts $0.01 – $50.00 $7.00
Commission 1.25% (min R230.00, max R900.00) $50.01 – $100.00 $10.00
Draft fee R100.00 $100.01 – $150.00 $11.00
Bills negotiable $150.01 – $200.00 $13.00
Commission 1.25% (min R230.00, max R900.00) $200.01 – $250.00 $15.00
Low-value Global Receipts $250.01 – $300.00 $17.00
Commission
(SWIFT) and bills negotiable $300.01 – $400.00 $19.00
Received in a foreign currency
$400.01 – $500.00 $24.00
R0.00 – R100.00 R31.00
$500.01 – $600.00 $29.00
R100.01 – R500.00 R62.00
$600.01 – $700.00 $34.00
R500.01 – R1 000.00 R118.00
$700.01 – $800.00 $39.00
R1 000.01 + Normal charges as per product pricing schedule
$800.01 – $900.00 $44.00
Received in South African rand Commission ZAR fee
$900.01 – $1 000.00 $49.00
R0.00 – R100.00 R31.00 FREE
$1 000.01 – $1 200.00 $55.00
R100.01 – R500.00 R62.00 FREE
$1 200.01 – $1 500.00 $63.00
R500.01 – R1 000.00 R118.00 FREE
$1 500.01 – $1 800.00 $70.00
R1 000.01 – R2 000.00 R145.00 R35.00
$1 800.01 – $2 500.00 $90.00
R2 000.01 – R3 000.00 R145.00 R95.00
$2 500.01 – $5 000.00 $140.00
R3 000.01 + Normal charges as per product pricing schedule
$5 000.01 – $7 500.00 $240.00
Global Receipts (Pension) Commission $7 500.01 – $10 000.00 $290.00
R0.00 – R1 000.00 R16.00
Other products and services Fee
R1 000.01 – R5 000.00 R32.00
Forward exchange contracts
R5 000.01 – R10 000.00 R48.00
Establishment R105.00
R10 000.01 – R25 000.00 R51.00
Drawdown (per drawdown) R105.00
R25 000.01 – R40 000.00 R53.00
Cancellation R105.00
R40 000.01 + R55.00
Extension R105.00
Global Account Fee Exchange Control applications to the SARB
Interest rate View on www.fnb.co.za
Fee per application min R1 200.00
Transfer to/from your rand current account R60.00
Special request or follow-up discretionary
min R100.00
admin fee
Transfer between Global Accounts R60.00
Withdrawal or deposit using another
Charges levied as per Forex product used
Forex product
Back to top 11Standard terminology
Important information
To assist you in comparing FNB’s charges with those of other
banks, we have, as far as possible, used standardised terminology
FirstRand Bank Ltd. reserves the right to change pricing and
throughout this guide. This is in accordance with Section 13 of the
package pricing or introduce new fees from time to time,
Code of Banking Practice. In the case where we have used
giving you at least 20 business days’ notice of these changes
FNB-specific terminology, we have added the following table
via direct client communication, the FNB website, ATM
indicating the appropriate standardised terminology which may
messages and/or on your bank statement.
be used by other banks.
Errors and omissions are excluded.
You must apply for each facility or product we describe Glossary of terms
individually. The grant of any facility or product is subject to
Pre NCA Refers to clients with credit
you meeting, and continuing to meet, the credit and qualifying agreements prior to 1 June 2007
criteria of that product or facility. Post NCA Refers to clients with credit
agreements post 1 June 2007
Each facility or product has standard terms and conditions
Payment honouring fee A service fee charged for each payment
that apply to that facility or product. We agree to these terms
honoured where there is not enough
and conditions with the applicant. If there is conflict between money in your transactional account
such terms and conditions and those in this pricing guide, we
will follow the standard terms and conditions that apply to
such facility or product. Contact us
If your credit facility goes into arrears, you will be liable for
collection fees in accordance with the National Credit Act. If you would like more information, need help in selecting the
The bank reserves the right to change at any time the features most suitable pricing option for your banking needs, or have any
of any product or facility. questions on how to lower your bank charges:
Contact your Private Banker.
Visit www.fnb.co.za/privateclients
Back to top 12You can also read
