how can we help you? First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). Index Introduction 2 Personal Cheque Account Smart Account Sicalo Account UNISWA Student Account Super Save Account Future Save Account Imbansela Savings Account Umlondvoloti Savings Account Electronic Banking Options Foreign Exchange Other Fees Useful Contact Numbers 4 6 8 9 10 12 14 15 16 18 19 20 July 2013 to June 2014 Personal Pricing Guide
Transcript
how can we help you?
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f Fir
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IndexIntroduction 2
Personal Cheque Account
Smart Account
Sicalo Account
UNISWA Student Account
Super Save Account
Future Save Account
Imbansela Savings Account
Umlondvoloti Savings Account
Electronic Banking Options
Foreign Exchange
Other Fees
Useful Contact Numbers
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6
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10
12
14
15
16
18
19
20
July 2013 to June 2014
PersonalPricing Guide
Introduction
How can we help you?
FNB is committed to helping you make the most of your bank account, and this includes making you aware of the fees and charges that apply to it.
The charges shown in this guide are effective from the 1st of July 2013. We may however, amend the prices charged for our services, or introduce new fees at any time. We will only do this after we have given you proper notice. Any changes to our fee structures will be advertised on our website or in our branches.
If you would like more help or advice about your banking needs, you are welcome to contact your Branch Manager who will be happy to assist you. This also applies if you are unhappy about any aspect of FNB services, and we welcome your feedback about how we are doing at anytime.
Information on branch contact numbers and other useful informa-tion such as our SWIFT number can be found in Section 13 of this guide.
How can I avoid penalty charges?
We recommend that you regularly check your account balance to make sure that you have money to cover your monthly commit-ments such as debit orders, loan repayments etc. This will avoid you paying penalty fees for dishonoured payments that are returned due to a lack of money in your account. Remember you can check your balance anytime by looking at your last inContact message or by getting a balance from an FNB ATM or our Online Banking or Cellphone Banking services.
If you are in financial difficulties we always recommend that you contact your Branch Manager so that we can see how we can help you. It’s better to do this as soon as you know there may be a problem on your account rather than later.
You can also avoid card replacement fees by making sure that you keep your ATM card safe at all times. Always make sure you choose a PIN number that you will easily remember, to avoid paying a PIN replacement fee. Remember that you can change your PIN at any time, at any FNB ATM.
How can I save money on bank charges?FNB believes in helping you to bank wisely and to stay in control of your finances. To help you do this, we offer a FREE inContact service which notifies you of any payments in or out of your account above E100. We also believe in offering you the choice to do your banking at home. You can therefore opt to use our Online Banking or Cellphone Banking service in the comfort of your own home. There is no joining or monthly subscription fee to use these services and you only pay for what you use.
Which is the cheapest way to bank?Our self-service banking options offer you the cheapest method of banking.
You can use our ATMs to deposit and withdraw funds or get a balance or mini-statement on your account.
You have even more control over your finances with our Online Banking or Cellphone Banking services, as you can pay your bills and transfer money between your accounts. You can even buy airtime and electricity for yourself or someone else.
If you would like to register for our Online Banking service you can do this by going to www.fnbswaziland.co.sz 24 hours a day.
To start using Cellphone Banking Lite, dial 130*321# from your cellphone and follow the instructions. This will allow you to purchase prepaid airtime and electricity. If you wish to benefit from the full Cellphone Banking service, please visit any FNB branch. Make sure you remember to bring your ID with you.
Using your debit card in stores to pay for goods or services also helps save you money and is the most affordable way to withdraw or pay for bills from your account.
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How can I save on interest charges?Always pay your personal loan on time. This will avoid additional interest charges or penalty fees being applied to your loan account. You can also save on interest by making extra payments to your personal loan, home loan or car loan account.
How can I save on my credit card charges?The first rule is to always pay your credit card on time, to avoid late payment charges and letting your account get into arrears. Your monthly statement will show the date your payment is due. We recommend that you have a debit order from your current account for the minimum amount due just in case you forget. Stay within your allocated credit limit to avoid “over limit” charges being added to your account.
You can also make additional payments to your card at any time. This will not only help reduce interest charges, but if you have a credit balance on your account, we will pay you interest. You can then withdraw against the credit balance without incurring additional interest charges.
Avoid using your credit card to withdraw cash as there is no interest free period on these transactions, so unless you pay this back immediately you will incur interest charges from the date of the withdrawal.
Adding valueIn addition to offering you the most innovative banking solutions available in Swaziland, FNB wants to add value to your lifestyle by helping you to save.
We have a wide range of savings and investment solutions available to you, as we like to encourage all of our customers to save. This also applies to your children. Get them into the saving habit early!
Feel free to come and see one of our consultants who will be happy to help you.
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Personal Cheque AccountFNB offers you two cheque account pricing options. You can either select our Pay as You Use option or a fixed pricing option on the account. You get the same fantastic account benefits regardless of which pricing option you choose.
International over the counter E37.00 + 2.75% of the value
FNB Mini ATM
Below E500
E501 to E1,000
E4.00
E8.00
FREE
FREE
Item Fixed Price OptionPay as You Use Option
Local & International POS Purchases E5.25 FREE
Deposits
Local Cheques
SA Rand Cheques
Cash at FNB Branch or ATM
FREE
0.80% of value minimum E20.00
E5.00 + 1.48% value minimum E16.50
Balance Enquiries & Statements
ATM Balance Enquiry
Branch
Monthly Statement
Provisional Statement
Reprint less than 3 months old
Reprint more than 3 months old
FREE
E5.00
FREE
E11.00 per page
E5.00 per page
E11.00 per page
FNB ATM Mini-Statement E4.85 FREE
Subscription Fees including Online
Banking, Cellphone Banking & inContact FREE
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Smart AccountThe Smart Account gives you the benefit of a transactional account with easy access to your money, 24 hours a day. There is a minimum balance of E50 on the account.
Item
Monthly Fee E15.50
Internal debit orders to FNB accounts (home loan, FNB credit card, FNB personal loan etc.) E5.25
External debit orders (including Wesbank) E16.00
Payments from or Transfers between your accounts including Online Banking, Cellphone Banking,
ATM or Scheduled payments or transfers.
E10.00
Branch Payments or Transfers over counter E30.50
Stop Orders to Swaziland Building Society
Arrangement Fee
Monthly Fee
Amendments
Cancellation
E23.00
E11.50
E10.50
E11.50
Cash Withdrawals In-Branch E34.50 +1.48% of value
FNB ATM Withdrawals Swaziland
Below E500
E501 to E1,000
E1,001 to E1,500
Above E1,500
E6.00
E12.00
E18.50
E24.00
Other local Banks ATM FNB ATM Fee + E8.00
International ATM E37.00 + 2.75% of value
International Over Counter E37.00 + 2.75% of value
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Item
FNB Mini ATM
Below E500
E501 to E1,000
E4.00
E8.00
Local & International POS Purchases E5.25
Deposits
Local Cheques
SA Rand Cheques
Cash at FNB Branch or ATM
FREE
0.80% of value minimum E20.00
E5.00 +1.48% of value minimum E16.50
Balance Enquiries & Statements
ATM Balance Enquiry
Branch
Mini Statement FNB ATM
Provisional Statement
FREE
E5.00
E4.85
E11.00 per page
Subscription Fees including Online Banking, Cellphone Banking & inContact FREE
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Sicalo AccountThe Sicalo account is an ideal account for anyone earning below E1,500 per month and who would like to benefit from the full range of FNB services. There is no minimum balance required to open the account. The first two local ATM or POS transactions per month are only E3.00.
Item
Monthly Fee FREE
Payments from or Transfers between your accounts including Online Banking, Cellphone Banking,
ATM or Scheduled payments or transfers. E12.00
Branch Payments or Transfers over counter E30.50
Cash Withdrawals In Branch E34.50 +1.48% of value
Local ATM, Mini ATM & POS Purchases First two transactions per month: E3.00
Third & subsequent transactions: E10.00
International ATM E37.00
International POS Purchases E5.25
Deposits
Local Cheques
SA Rand Cheques
First cash deposit of E500 or less per month
Cash at FNB Branch or ATM
FREE
0.80% of value minimum E20.00
FREE
E5.00 +1.48% of value minimum
E16.50
Balance Enquiries & Statements
ATM Balance Enquiry
Other Bank ATM
Branch
Mini Statement FNB ATM
Provisional Statement
FREE
E3.50
E5.00
E4.85
E11.00 per page
Subscription Fees including Online Banking, Cellphone Banking & inContact FREE
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UNISWA Student AccountThis account is designed exclusively for UNISWA and Limkokwing students who are in full-time education. An annual fee of E40 is collected from the student account.*
Item
Monthly Fee FREE
Transfers between your accounts at FNB ATM or branch FREE
Cash Withdrawals
FNB ATM & Branch Withdrawals Swaziland FREE
Other local Banks ATM
Below E500
E500 to E1,000
E1,001 to E1,500
Above E1,500
E13.50
E19.50
E25.50
E31.50
International ATM E37.00 + 2.75% of value
International Over Counter E37.00 + 2.75% of value
POS Debit Card Purchases
Local
International
FREE
E20.00
Deposits
Local Cheques
SA Rand Cheques
Cash deposit below E500 at FNB Branch or ATM
Cash deposits above E500 at FNB Branch or ATM
FREE
0.80% of value minimum 20.00
FREE
E5.00 +1.48% of value minimum E16.50
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* The annual student fee is currently under review.
Super Saver AccountA Super Save account is a convenient way to start saving. You can also use the account to make payments through our Cellphone Banking or Online Banking service. There is a minimum balance of E200 on the account. The monthly account fee is waived automati-cally if you maintain a balance of E6, 000 or more for the whole month.
Item
Item
Balance Enquiries & Statements
ATM Balance Enquiry or Mini Statement
Branch
Provisional Statement
FREE
FREE
E11.00 per page
Subscription Fees including Online Banking, Cellphone Banking & inContact FREE
Monthly Fee E6.50
Payments from or Transfers between your accounts including Cellphone Banking, Online Banking
or ATM E12.00
Cash Withdrawals In Branch E16.00+1.48% of value
FNB ATM & Mini ATM Withdrawals Swaziland
Other local Bank ATM
International ATM
International Over the Counter
E16.00
E16.00
E37.00 + 2.75% of value
E37.00 + 2.75% of value
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Item
POS Purchases Swaziland & International E16.00
Deposits
Local Cheques
SA Rand Cheques
Cash at FNB Branch or ATM
Balance Enquiries & Statements
ATM Balance Enquiry
Branch
Provisional Statement
Mini Statement FNB ATM
FREE
0.80% of value minimum E20.00
1.48% of value minimum E16.50
FREE
E5.00
E10.00 per page
E4.50
Subscription Fees including Cellphone Banking, Online Banking &
Note: Online Banking may be used to view balances only.
inContact FREE
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Future Save AccountThe Future Save Account is a savings account designed for children up to 18 years old. There is no minimum balance on the account.The first two qualifying debits each month are FREE, after that you pay the rates in the table below.
The first two FREE debits do not include:• Withdrawals from other banks ATMs• Balance Enquiries• Statements• Penalty Fees or other Special Instructions
Item
Monthly Fee FREE
First Two Qualifying Withdrawals Per Month FREE
Transfers between your accounts
ATM
In Branch
E12.00
E30.50
Cash Withdrawals In Branch E30.50 +1.48% of value
FNB ATM Withdrawals
Below E500
E500 to E1,000
E1,001 to E1,500
Above E1,500
Other Local Bank ATM
E6.00
E12.00
E18.00
E24.00
FNB ATM fee + E7.50
International ATM E37.00 + 2.75% of value
International Over Counter E37.00 + 2.75% of value
FNB Mini ATM
Below E500
E501 to E1,000
E4.00
E8.00
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Item
Note: The Cellphone Banking service may be used to purchase airtime and electricity only. The Online Banking service may be used to view your balance.
Local & International POS Debit Card Purchases E5.00
Deposits
Local Cheques
SA Rand Cheques
First Cash Deposit of E500 or less per month
Cash Deposits FNB Branch or ATM
FREE
0.80% of value minimum E20.00
FREE
E5.00 +1.48% of value minimum E16.50
Balance Enquiries & Statements
ATM Balance Enquiry
Branch
Mini Statement FNB ATM
Provisional Statement
FREE
E5.00
E4.85
E11.00
Subscription Fees including Online Banking, Cellphone Banking & inContact FREE
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Imbansela SavingsAccountThe Imbansela Account attracts a competitive rate of interest and is designed for the serious saver. The minimum account balance is E250. An additional bonus of 20% of the interest earned is paid if no withdrawals are made for a 12 month period.
Item
Monthly Fee FREE
Transfers between your accounts via Branch E30.50
Cash Withdrawals
FNB Branch E30.50 + 1.48% of value
Deposits
Local Cheques
SA Rand Cheques
Cash Deposits FNB Branch or ATM
FREE
0.80% of value minimum E20.00
E5.00 +1.48% of value minimum E16.50
Balance Enquiries & Statements
Branch
Provisional Statement
E5.00
E11.00 per page
Subscription Fees inContact FREE
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Umlondvoloti SavingsAccountThe Umlondvoloti is a prime-linked savings account which offers customers the flexibility of having a savings card for withdrawals at an FNB ATM. The minimum balance on the account is E3,000. The first two qualifying debits each month are free.
The first two FREE debits do not include:• Withdrawals from other banks ATMs• Balance Enquiries• Statements• Penalty Fees or other Special Instructions
Electronic BankingOptionsFNB offer a range of innovative banking solutions designed to give you control over your money and to offer the convenience of 24 hour banking. Our Cellphone Banking service allows you to buy airtime for yourself or someone else. You can also check your balance, transfer funds between your accounts or make payments to 3rd parties. The FNB eWallet service allows you to Send Money™ to anyone with an active Swazi MTN cell number. Money is transferred instantly and can be withdrawn immediately from an FNB ATM without the need for an ATM card. Alternatively the recipient can use the money to buy airtime or send it on to someone else.
Item Amount
Cellphone Banking
Registration FREE
Subscription FREE
Airtime Purchase E1.65
Prepaid History E2.15
Balance Enquiry
One Account
All Accounts
E0.85
E1.10
Balance Enquiry - Fixed Price Cheque Account FREE
Payments or Transfers E11.50
Payment History E5.00
SEC Prepaid Electricity per transaction E3.00
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Item Amount
eWallet Services
Send Fee
E20 to E1,000
E1,001 to E2,000
Above E2,000
E8
E12
E16
Withdrawal Fee
1st withdrawal
E20 to E500
E501 to E1,000
E1,001 to E1,500
Above E1,500
FREE
E6.00
E12.00
E18.00
E24.00
Prepaid Airtime E1.65
Send Money (OnSend) E2.00
Balance Enquiry FREE
Monthly Fee FREE
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Foreign ExchangeFNB offers a range of foreign exchange services, putting global transactions at your fingertips.
Note: Other Forex charges may apply. Please contact your branch for more information.
Item AmountAmount
Swift & Draft Transfers
Commission
Minimum Charge
Maximum Charge
SWIFT Charge
Inward to your account
0.55% of Emalangeni value
E65.00
E570.00
N/A
Outward from your account
0.55% of Emalangeni value
E65.00
E570.00
E75.00
Travellers Cheques
Commission
Minimum Charge
Maximum Charge
Customer Buying
2.5% of Emalangeni value
E100.00
E3,025.00
Bank Buying
2.0% of value
E70.00
E1,650.00
Travellers Cheques-Canadian Dollars
Commission
Minimum Charge
Maximum Charge
Bank Buying
2.0% of Emalangeni value
E90.00
E1500.00
Foreign Notes
Commission
Minimum Charge
Maximum Charge
Customer Buying
3.0% of Emalangeni value
E90.00
E2,000.00
Bank Buying
2.0% of Emalangeni value
E100.00
No maximum
Foreign Currency Accounts Withdrawals
USD
GBP & EUR
Deposits
Monthly Service Fee
Minimum
E20.00
E10.00
FREE
$5.00, £5.00, €5.00
Maximum
E75.00
E70.00
FREE
$5.00, £5.00, €5.00
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Other FeesThere are a number of additional fees which apply to all of our accounts.
Item Amount
Special Instruction Fees
Bank Cheque E95.00
Special Clearance of Cheque – per cheque (note only amounts above E10,000 may be
