Private Wealth Enjoy the pinnacle of private banking in FNB. · PDF filePrivate Wealth...

Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account

Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility

Contact usImportant informationeBucks Rewards and benefitsWays to bank Introduction eB

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.

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.

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.




Easy,convenientday-to-daybanking

Fundingthat helpsyou buildyour wealth

An investmentportfolio to grow your wealth

Personalisedsolutions to protectyour future

Rewardswell deserved

Consolidatedtransactional

banking

Specialisedlending

Advice-ledinvestments

Inter-generationalfiduciary and

risk advice

Benefitsbeyond wealth

Private bankingand wealth advice

Local and global

Private Bankersupported by ateam of experts

Digitalconvenience:Online | App

24/7Service 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

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)

Private Wealth Cheque and Credit Cards

Swipe your card instead of using cash. It is safer,

cheaper and more convenient, and qualifying

clients earn eBucks.

Ways to bank

• Card and PIN maintenance

• Stopping cheques and/or debit orders

• Ordering Foreign Exchange

• Global Payments and Receipts

• Making prepaid purchases




eBucks Rewards and benefits

As a Private Wealth client, you have access to

rewards at the highest level on your Private Wealth

Cheque and Credit Cards.

Safe and convenient shopping complete with the best rewards

Earn up to 12 times more eBucks when you pay

with your Private Wealth Credit Card for in-store

and online shopping.


back in eBucks when you swipe your Private Wealth Credit Card and

0.25% back when you swipe your Private Wealth Cheque Card3%

Earn up to

6% back in eBucks when you shop online using your Private Wealth Credit Card

and 0.5% back when using your Private Wealth Cheque Card

5% back in eBucks when you buy groceries on your Private Wealth Credit

Card and 0.25% back on your Private Wealth Cheque Card

back in eBucks when you fill up at any fuel station, buy

Gautrain tickets, or when using Uber domestically15%




back in eBucks on your FNB Smart Device or laptop contract monthly subscription fee100%

Earn up to

40% back in eBucks on your qualifying FNB Connect contract or when loading FNB Connect

prepaid airtime

50% back in eBucks 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


back in eBucks when you buy prepaid electricity electronically through FNB15%





To qualify for eBucks 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 eBucks Rewards, visit




eBucks DiscountsGet up to 40% off when you buy products in the eBucks Shop, book domestic Avis car rental or

book selected flights online through eBucks Lifestyle40%

Other eBucks benefits

eBucks LifestyleAn eBucks 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 eBucks Lifestyle Desk, contact your Private Banker,

call the team directly on 087 575 0050 or email

You will also enjoy:

• Up to eight complimentary Avis Point2Point one-way trips a year when booked via the

eBucks website

• Up to 12 complimentary visits to Priority Pass International Lounges a year1

• 15% discount on SpeedPass – a VIP meet-and-assist airport service at over

285 international airports worldwideTerms, conditions and rules apply.1Free Lounge access is reward-level dependent.




As a Private Wealth client, you will enjoy access to:

• SLOW Domestic Lounges and SLOW International Lounge1

• Bidvest Premier Lounges1

• SLOW in the City1

• Priority Pass International Lounges1

For SLOW and Bidvest Lounge entry criteria and rules, visit

• 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)

Access to airport and business lounges

Peace of mind for you and your family

1Free Lounge access is reward-level dependent. Terms, conditions and rules apply.

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Important informationeBucks Rewards and benefitsWays to bank Introduction eB

Private Wealth accounts

Save time with convenient,

easy day-to-day banking.

Benefit from:

2Subject to credit approval.

Smartphones

and tablets at

discounted prices

over a 24-month

period with

0% interest2

Free subscription

to inContact, which

alerts you of activity

on your account

Flexible pricing

options to suit

your personal

transactional

behaviour

Free access

to our secure

and convenient

electronic channels,

including the FNB

Banking App and

Online Banking,

to perform your

day-to-day

transactions

Access to our

24/7 Service Suite

to assist with

your day-to-day

banking needs

A dedicated

Private Banker

and access to a

team of fiduciary,

lending, wealth

management and

Foreign Exchange

specialists

Hassle-free debit

order and salary

switching

An overdraft facility

with instant access

to your funds, as

well as a linked,

personalised

interest rate2

Free card

replacement and

delivery per year as

well as no annual

card fees

Free payment

notifications that

alert recipients

of payments you

have made to

their accounts

Free monthly

email statements

Contact us




Select from five different pricing options:

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.

Cheque Account

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.

Islamic Cheque Account

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.

Contact us




3LOTTO purchases are excluded from the Islamic Cheque Account.4Refer to terms and conditions of credit agreement.5Only applicable to Non-Discretionary Securities Global Trading Accounts.6Fees are applicable to Foreign Exchange transactions.7A minimum balance of at least £5 000.00 must be maintained in your FNB Channel Islands Current Account.8A 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.

1. Unlimited pricing option

For a fixed account fee per month, you get the

following on your Private Wealth Cheque Account

and Structured/Single Facility:

2. Bundled pricing option

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


• Private Wealth Credit Card

• Overdraft4

• Up to five free additional credit cards

• Up to five free linked Petro Cards

• Securities Online Trading Account

• Securities Global Trading Account5

• Global Account6

• FNB Channel Islands Current Account7

• Money Maximiser8

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.

Unlimited electronic transactions

Unlimited FNB ATM and other banks’

ATM withdrawals (including local

and international ATM withdrawals)

Free cheque payments and stop

payment loading

Free value-added services such as

LOTTO purchases3, Pay & Clear Now,

GEO Payments, prepaid purchases

and sending money to eWallet

Contact us




9Only one spouse per main account holder.10The Spousal account must be linked to a main account or standard pricing will apply. 11Refer to terms and conditions of credit agreement. 12Only applicable to Non-Discretionary Securities Global Trading Accounts.13Fees are applicable to Foreign Exchange transactions.14A minimum balance of at least £5 000.00 must be maintained in your FNB Channel Islands Current Account.15A 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

Your spouse9 will pay a single discounted monthly

account fee10 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


• Private Wealth Credit Card

• Overdraft11

• Up to five free additional credit cards

• Up to five free linked Petro Cards

• Securities Online Trading Account

• Securities Global Trading Account12

• Global Account13

• FNB Channel Islands Current Account14

• Money Maximiser15

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.

4. High Touch Banking pricing option

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.

Contact us




16Refer to terms and conditions of credit agreement. 17Only applicable to Non-Discretionary Securities Global Trading Accounts.18Fees are applicable to Foreign Exchange transactions.19A minimum balance of at least £5 000.00 must be maintained in your FNB Channel Islands Current Account.20A 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.21Refer to terms and conditions of credit agreement.22International currency commission and conversion fee of 2.75% of the transaction value applies.

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 –

Cheque Account or Structured/Single Facility Credit Card Overdraft fee16 Securities Online Trading Account Securities Global Trading Account17 Global Account18

FNB Channel Islands Current Account19

Money Maximiser20

Monthly credit service fee R68.40

Rebate on monthly credit service fee21 R38.40 R68.40

Card purchases22 Free

Prepaid purchases Free

Payments and transfers (FNB Banking App, Online Banking, Cellphone Banking, Telephone Banking – consultant assisted, IVR and Speech)

Free

Cheque payments Free

Fees applicable on your cheque account for the Unlimited, Bundled and Spousal pricing options

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22International currency commission and conversion fee of 2.75% of the transaction value applies.23Not applicable to the High Touch Banking pricing option.24Only applies if you have taken up an FNB smartphone/tablet/laptop offer.25Monthly account fees effective from 1 July 2016.26New One Account agreements granted from 1 July 2016.

Pricing option Unlimited Bundled Spousal

Debit orders (internal and external) Free

Cash@Till™ withdrawals Free

FNB ATM withdrawals Free

Other banks’ ATM withdrawals (local and international)22 Free

FNB ATM cash deposits23 Free up to R10 000.00 Free up to R20 000.00

eBucks Rewards subscription Free

Subscription to inContact, Online Banking, Cellphone Banking, Telephone Banking and FNB Banking App

Free

Monthly petrol card fee (linked to your Private Wealth Cheque Account) R16.50

Monthly device payment24 Device dependent

One Account

Monthly account fee25 R383.40 R487.40

Once-off initiation fee (for new accounts only)26 R5 985.00

Fees applicable on your cheque account for the Unlimited, Bundled and Spousal pricing options

Contact us




Transaction description Detail

Balance enquiries

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)

Statements

Official monthly email statement

Cellphone Banking mini-statement

FNB ATM mini-statement

Historical email/downloaded statements (FNB branch, Telephone Banking and Online Banking)

Other fees

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

The transactions in the table to follow are included

in your monthly account fee:

Contact us




27LOTTO purchases are excluded from the Islamic Cheque Account.

Transaction description Detail

Value-added services fees

LOTTO/PowerBall purchases27

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)

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.

Contact us




28Refer to terms and conditions of credit agreement.29Only applies if you have taken up an FNB smartphone/tablet/laptop offer. 30International currency commission and conversion fee of 2.75% of the transaction value applies.

5. Pay-As-You-Use (PAYU) pricing option

On this pricing option, you are charged for each

transaction at the applicable fee.

Excluded transactions

The following transactions will be charged for in

addition to your monthly account fees:

Transaction description Fee

Monthly account fee R108.00

Monthly credit service fee R68.40

Rebate on monthly credit service fee28 R38.40

Monthly petrol card fee (linked to your Private Wealth Cheque Account) R16.50

Monthly device payment29 Device dependent

Subscription to inContact, Online Banking, Cellphone Banking, Telephone Banking and FNB Banking App Free


Purchases

Card purchases

Card purchases30 Free

Petrol card fuel purchases R5.00

Contact us








Prepaid airtime and electricity purchases

FNB Connect prepaid purchases (FNB ATM, Online Banking, Cellphone Banking, FNB Banking App, Telephone Banking – IVR) Free

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 Free

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

Contact us





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) Free

Stop payment instructions

Online Banking, Cellphone Banking, FNB Banking App, FNB branch, Telephone Banking (consultant assisted and IVR) Free

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




Contact us




31International currency commission and conversion fee of 2.75% of the transaction value applies.


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 withdrawals31 R60.00

FNB branch/cheque R60.00 + R1.85 per R100.00

International branch31 R60.00 + R1.85 per R100.00

Deposits

Cash deposits


FNB branch R1.85 per R100.00 (min R60.00)




Contact us





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 Free

Point of sale (Private Wealth Cheque Cards only) R1.50

FNB branch and Telephone Banking (consultant assisted) R5.00


International Point of sale balance enquiries R5.00

Statements

Emailing of current monthly statement (plus optional workable data files) Free

Monthly posted statement (per statement) R13.00

Mini-statements (Cellphone Banking) Free

Mini-statements (FNB ATM) R3.00




Contact us





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) Free

Provisional email statement (FNB branch, Telephone Banking, per statement) Free

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) Free

Other FNB declined transaction fee (local and international Point of sale, scheduled payment) R8.50

Other banks’ ATMs declined transaction fee (insufficient funds or daily limit exceeded) R8.50

Returned item (cheque/debit order) R55.00 for first 3, thereafter R145.00

Payment honouring fee R75.00




Contact us





Credit-related fees

Revolving loans

NCA clients

Monthly service fee R68.40


LOTTO/PowerBall purchases, prepaid Pay TV, iTunes, traffic fines32 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





Contact us





Other fees

Private Wealth Visa Cheque Card/Chip & PIN card replacement Free

Card courier fee Free

Cheque book courier fee Free

Voucher retention (Online Banking) Free

Voucher retention (FNB branch, Telephone Banking – consultant assisted) R55.00

Online Banking payment history (older than 3 months) Free

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




Contact us




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 Fee

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) R5.70

Monthly service fee (applies to NCA clients with credit agreements concluded between 1 June 2007 and 6 May 2016) R57.00

Monthly service fee (applies to NCA clients with credit agreements concluded from 6 May 2016) R68.40

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)

R215.00

New facility Fee

Once-off initiation fee on mortgage agreements (applies to clients that fall within the ambit of the NCA) R5 985.00

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)

R1 197.00

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)

R2 420.00

Structuring fee (applies to non-NCA juristic clients) % of deal size and is variable based on deal structure

Valuation fees Fee

Property revaluation fee R1 550.00

Contact us




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 Fee

Unpaid debit order fee (applies to non-NCA juristic clients) R200.00

Bank cheque commission R100.00

Non-standard guarantee fees Fee

Property guarantees (applies to Structured Loan and Single Facility) R2 500.00 bi-annually

Property guarantees (applies to Securities Based Loan only)1.7% p.a. of value of guarantee or min of R2 500.00 which is charged bi-annually

Performance guarantees1.7% 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

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Enhanced in-store

security with

Visa’s Chip & PIN

technology

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

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:

Free protection

against fraud with

Online Secure

Free eBucks

linkage

Up to five

free additional

credit cards

Up to 55 days

interest free

Free credit

card swipes

Earning more

eBucks when

shopping using

your Private

Wealth Credit Card.

Remember every

swipe is freeUp to five free

linked Petro Cards

Free lost card

protection and PIN

replacement


Contact us




Private Wealth Credit Card

Your Private Wealth Credit Card fees are segmented

in the table to follow.

33Limited 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. 34International currency commission and conversion fee of 2.75% of the transaction value applies.

Monthly account fees Fee

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 Free

Petro Card fee (linked to your Private Wealth Credit Card)33 Free

Once-off initiation fee (for new accounts only) R165.00

Free transactions

The transactions in the table to follow are free on

the Standalone and Bundled Credit Card options.

Transaction description

Fees

Credit card monthly rewards fee

Card purchases

Credit card purchases34

Credit card budget purchases34

Linked account transfers and account payments

IVR Smart Transfer to FNB

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Free 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

Contact us






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


Other banks’ ATMs R7.00 + FNB ATM fee

FNB branch R60.00 + R1.85 per R100.00

International ATM/branch35 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

35International 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.

Contact us





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) R425.00

International card delivery fee As per delivery quote

Section 129 letter fee R59.79





Contact us







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 purchases36 R2.20

Send money to eWallet

R20.00 – R3 000.00 R9.95

Reversal of incorrect ’Send money to eWallet’ transaction R50.00








• Earnings from abroad can be paid directly into

your Global Account

• Collect additional eBucks Rewards points for

currency balances held in your Global Account37

• The funds that you have been saving in your

Global Account may now fund a Multi-currency

Cash PassportTM (prepaid travel card) for

globetrotting, all of which may be facilitated via

our Online Banking platform

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

37Subject to standard eBucks earn rules. Terms, conditions and rules apply.

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.




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 MoneyGramTM from

FNB. MoneyGramTM is available in more than

200 countries worldwide

• FNB’s Top-up Service with PayPalTM allows you

to top up funds to a PayPalTM account from a

qualifying FNB account – you don’t need a credit

card to shop online

• FNB’s Withdraw Service with PayPalTM allows South

Africans to withdraw funds from a PayPalTM account

to any South African bank account


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 PassportTM

(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 PassportTM 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




50%

50%

For more information on our Foreign Exchange solutions, contact the

Foreign Exchange Advisory Team on 0860 4 FOREX (36739)

or visit

Get rewarded

37Subject to standard eBucks earn rules.Terms, conditions and rules apply.

back in eBucks on your transaction charges when you send or receive

foreign currency payments online or via the FNB Banking App on

your smartphone37

back in eBucks 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 Exchange37

Earn up to




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)Refer to Global Payments and Receipts (SWIFT) fees below

Global Receipts (receiving money)

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




Foreign Exchange Travel solutions Online Banking Call centre/Banker Branch

Travel products bought from FNB

Multi-currency Cash PassportTM

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 Free

Travel products sold to FNB

Multi-currency Cash PassportTM

If credited to an FNB transactional or Global Account Free

If paid out in cash or credited to any other account - 1.85%

(min R75.00)2.00%(min R100.00)




Foreign Exchange

38An additional fee of R140.00 will be charged if a payment is sent abroad or received from abroad in Rand.

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)

Commission380.52% (min R140.00,max R650.00)

0.54%(min R150.00,max R700.00)

0.58% (min R160.00, max R750.00)

SWIFT fee R105.00

Global Receipts (receiving money)

Commission38 0.54% (min R150.00, max R700.00) -




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


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


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)

MoneyGramTM

Send amount (USD) Fee

$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)

MoneyGramTM

Send amount (USD) Fee

$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)

PayPalTM

Top up your PayPalTM account

Commission 1.50%

Withdraw from your PayPalTM account

Commission 1.50%

Contact us




39Debit 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 EnterpriseTM and other banks’ ATMs.

Description Option 1 Option 2 Option 3

Monthly account fee R240.00 R350.00 R510.00

Point of sale cardpurchases Unlimited Unlimited Unlimited

Transfers and prepaid purchases (Online Banking, FNB Banking App, FNB ATM, Cellphone Banking)

Unlimited Unlimited Unlimited

Electronic debittransactions39

30 transactions which include a maximum of 5 FNB ATM withdrawals



Private Wealth Business Account

The Private Wealth Business Account is suited

to sole proprietors, incorporated businesses,

partnerships, companies, close corporations,

trusts and co-operatives.

Single Fee pricing options

There are three Single Fee 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.

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 Fee

pricing options.

Contact us




Single Fee 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



Out-of-bundle rates should you exceed the specified number of debit transactions

FNB ATM withdrawals and other electronic debit transactions (per transaction)39

R18.00 R17.00 R16.00

Cash deposited at FNB ATM with Deposits only

R3.75 + R0.60 per R100.00 or part thereof



Monthly account fees Fee

Account fee R108.00

Monthly petrol card fee (linked to your Private Wealth Business Account) R16.50

Pay-As-You-Use pricing option

On this pricing option, you are charged for each

transaction at the applicable fee.

39Debit 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 EnterpriseTM and other banks’ ATMs.

Contact us








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 Free

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) max R8.95

Internal debit orders (debit orders raised by FNB Card, FNB Home Loans, WesBank, FNB Loans, FNB Funeral Cover) R4.00

40International currency commission and conversion fee of 2.75% of the transaction value applies.

Contact us





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) Free

Stop payment instructions

Online Banking, Telephone Banking, FNB branch Free

Payment notifications

Email/SMS/fax Free

Cheque books

40 forms R57.00




Contact us





Deposit books

100 pages (non-MICR) R34.00

100 pages (MICR encoded) R34.00

Subscription fees

Online Banking, Telephone Banking, inContact Pro Free

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 Free

FNB Slimline ATM (withdrawal limits may apply) R1.75 + R0.60 per R100.00 or part thereof

Other banks’ Mini-ATMs R2.40 + R0.90 per R100.00 or part thereof




Contact us





Cash withdrawals

FNB ATM R3.95 + R1.45 per R100.00 or part thereof

Other banks’ ATMs R11.50 + R1.45 per R100.00 or part thereof

FNB branch Cheque service fee (min R40.00) + cash handling fee

Cash handling fee at FNB branch

Value per withdrawal

R0.00 – R4 999.99 R2.93 per R100.00 or part thereof

R5 000.00 – R14 999.99 R2.07 per R100.00 or part thereof

R15 000.00 – R49 999.99 R1.71 per R100.00 or part thereof

R50 000.00 and greater R1.59 per R100.00 or part thereof




Contact us





Deposits

Cheque deposit at FNB branch (per deposit) R40.00

Special clearance fee R106.00

Effects not cleared upliftment feeR100.00 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 (min R40.00)

R0.00 – R4 999.99 R8.40 + R2.81 per R100.00 or part thereof

R5 000.00 – R14 999.99 R8.40 + R1.58 per R100.00 or part thereof


R50 000.00 and greater R8.40 + R1.25 per R100.00 or part thereof




Contact us





Cash deposit fee at FNB Bulk Cash Centres

Value per deposit (min R40.00)

R0.00 – R4 999.99 R5.00 + R2.59 per R100.00 or part thereof



R50 000.00 and greater R5.00 + R1.10 per R100.00 or part thereof

Balance enquiries

FNB ATM Free

Point of sale (Private Wealth Business Cheque Cards only) R1.50

FNB branch and Telephone Banking (consultant assisted) R5.00


International Point of sale balance enquiries R5.00




Contact us





Statements

Emailing of current monthly statement (plus optional workable data files) Free

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) Free

Other FNB declined transaction fee (local and international Point of sale, scheduled payment) R8.50

Other banks’ ATMs declined transaction fee (insufficient funds or daily limit exceeded) R8.50

Inward unpaid fee R110.00

Unpaid cheques and/or debit orders R185.00




Contact us




41Where you have used more than R200.00 of your facility.


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 fee41 0.114% of facility (min R68.40, max R1 197.00)




Contact us




Existing facility Fee

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) R5.70

Monthly service fee (applies to NCA clients with credit agreements concluded between 1 June 2007 and 6 May 2016) R57.00

Monthly service fee (applies to NCA clients with credit agreements concluded from 6 May 2016) R68.40

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)

R215.00

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.







Contact us




New facility Fee

Once-off initiation fee on mortgage agreements (applies to clients that fall within the ambit of the NCA) R5 985.00

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)

R1 197.00

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)

R2 420.00

Structuring fee (applies to non-NCA juristic clients) % of deal size and is variable based on deal structure

Valuation fees Fee

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






Contact us









Note: property guarantees are only valid for six

months. Amendments will be charged the full rate

as per the table to follow.

Other fees Fee

Unpaid debit order fee (applies to non-NCA juristic clients) R200.00

Bank cheque commission R100.00

Non-standard guarantee fees Fee

Property guarantees (applies to Structured Loan and Single Facility) R2 500.00 bi-annually

Property guarantees (applies to Securities Based Loan only)1.7% p.a. of value of guarantee or min of R2 500.00 which is charged bi-annually

Performance guarantees1.7% 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




Important information

• 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

• Fees 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




Glossary of terms

Pre NCARefers to clients with credit agreements concluded

prior to 1 June 2007

Post NCARefers to clients with credit agreements concluded

from 1 June 2007

Mortgage agreement

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

Service fee

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

Initiation fee

The initiation fee is a fee that a credit provider

charges a consumer for entering into a credit

agreement with that consumer

Payment honouring fee

A service fee charged for each payment honoured

where there is not enough money in your

transactional account

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.




Contact us

24/7

BANKING I LENDING I WEALTH MANAGEMENT I INVESTMENTS I STOCKBROKING I FIDUCIARY SERVICES

contact your

Private Bankervisit

for more information

call the Private Wealth Service Suite

on 087 730 6000 (local)

or +27 11 245 5080 (international)

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