Fnb Pricing Guide Gold 4vj1k
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Pricing Guide Gold
1 July 2018 – 30 June 2019
Includes Gold & Gold Credit Card Also available on the Islamic Gold FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 1
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Do more. Be more
with FNB Gold.
With FNB Gold, we help you manage your money, save it, protect it, grow it, borrow when you need to, and enjoy great rewards for doing all that.
50100 0
In the world of Gold you can:
Bank
Spend
• Withdraw cash at Shoprite & Checkers, Pick n Pay, Boxer stores and selected Spar and Usave tills
• Unlimited free swipes when you use your card to pay
• Free subscription to in on the FNB Banking App, notifying you of all transactions • Free subscription to all digital channels, Zero data charges when using FNB Banking App • Free emailed monthly statements
• Protection with Online Secure, giving you an OTP to protect your card’s exclusivity • Free Auto Payment, offering you the convenience of having your paid on time each month • Make secure payments with your chip & PIN Card
Borrow Get a personalised and competitive interest rate • You may apply for an Overdraft. You will only pay a service fee when you use R200 or more of your overdraft • You may apply for a Personal Loan • You can take up a Temporary Loan, which is a short-term credit offering for which no forms are needed
• Unlimited electronic transactions
• You may apply for a Credit Card
• Free balance enquiries using the FNB App
• You may apply for housing and vehicle finance
• Free lost card protection and PIN replacement
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 1
Overview
Gold Pricing
1
Gold Credit Card Pricing
Send Money
Global
The Small Print
2
5
Save • Coupons on your FNB Banking App, offering discounts on a range of products from selected retailers • A free Savings that earns you great interest rates • Save while you spend with Bank Your Change®. We round up your card purchase value and transfer the difference from the purchase amount to your Savings • FNB’s Islamic offering also offers a competitive profit share We offer a range of savings products to suit your needs.
Helpful ways to bank Make the most out of your and have access to a world of products and rewards
Live • Free delivery of your Gold Card and Gold Credit Card to your home or office
• The ability to apply for covers such as funeral, life, hospital and retrenchment
• You could qualify for a new smartphone, tablet or laptops, and get discounts up to 100% depending on your eBucks reward level
• Free Comprehensive Global Travel Insurance when you purchase your return travel ticket(s) using your Gold Credit Card for flights and / or road travel
eBucks Rewards • Free subscription to eBucks Rewards* • Earn eBucks for doing everyday things, shopping at Shoprite & Checkers, filling up with fuel at Engen only**, using Uber domestically, purchasing Connect prepaid airtime, having a Connect contract or when you send or receive foreign currency through FNB Forex • Earn eBucks back on your qualifying Connect contract or when purchasing Connect prepaid airtime
• The freedom to spend your eBucks on almost anything: fuel, electronics, appliances, travel, books, CDs, DVDs, flowers, outdoor equipment, fashion – you name it • Get discounts of up to 40% on selected items from the eBucks Shop as well as up to 40% off local and international flights and domestic car hire through eBucks Travel.** This means that the more eBucks you earn, the more you save when you spend your eBucks – while getting a discount on your purchase at the same time. Sounds like a no‑brainer to us!
Deposit your salary Switch debit orders Transact on the App
, Conditions and Rules apply. * For more on eBucks Rewards, go to the eBucks website. ** You will not earn eBucks for any fuels purchases made at any other fuel station. *** Discounts exclude all taxes.
Swipe credit card for purchases
Islamic Gold
Gold Fusion
FNB is proud to offer you a Shari’ah- compliant Islamic Gold , with similar value adds, reward benefits and pricing as a Gold .
You get full transactional capability, allowing for salary deposits, swiping for purchases, ATM withdrawals, EFTs, debit orders and a credit facility to top it off.
FNB’s Islamic offering also offers a competitive profit share.
Also worth a mention:
For more information, the Islamic Banking Suite on 087 578 6786. Please note that Overdrafts are not offered on the Islamic Gold Cheque . , Conditions and Rules apply.
• Pay only one monthly fee of R155 • Get up to 30 days’ interest free on point of sale swipes • Free AA roadside assistance • Free Global Travel Insurance Please note that Gold Fusion pricing follows Gold Unlimited pricing. Please see Unlimited pricing on the next page.
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 2
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Unlimited Pricing
from
FNB’s pricing option for Gold customers offers the benefit of a monthly fixed-fee. This way, you always have a sense of what your costs are – and feel in control of what you’re paying every month.
R105 p.m
Each month, you get: • Unlimited free qualifying electronic transactions using Online Banking, Cellphone Banking, Telephone Banking and the FNB Banking App for transactions like debit orders, card purchases, payments and transfers • Free cash withdrawals at Shoprite & Checkers, Pick ‘n Pay, Boxer stores and selected Spar and Usave tills*
• Free cash withdrawals up to R5 000 per month • Free cash deposits up to R5 000 per month (at an FNB ATM with Deposits) • Free Prepaid Airtime and Data Purchases via the FNB Banking App or Online Banking
* Included in R5 000 cash withdrawal monthly limit.
Unlimited Pricing Features Monthly Fee* Cash Withdrawals** Cash@Till®
R105 A combination of R5 000 per month, after which fees listed on the right apply
R1.90 per R100 R1.60
Cash Deposits at FNB ATM (with Deposits) Prepaid Airtime and Data Purchases
R5 000 per month, thereafter R0.95 per R100 Free Prepaid Airtime Purchases via the FNB Banking App or Online Banking
Online, Cellphone Banking and in subscriptions
Free
in notifications
Free
Pay with your Card
Free
Mobile and eChannel transfers
Free
Mobile and eChannel payments
Free
Internal and external Debit Orders
Free
Current month emailed statement
Free
* An additional monthly Exchange Control istration Fee of R15 will be levied on Non-Resident Cheque. ** Includes FNB ATM, Cardless and Slimline withdrawals.
Other Fees Petrol Card (linked to cheque ) - Monthly Fee
R18
Card Purchases Commission and Currency Conversion Fee on International Card Purchases Petrol Card Fuel Purchases
2.75% of transaction value R5.25
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 3
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Cash Withdrawals Other Banks’ ATMs International ATM (Additional 2.75% Commission and Conversion fee applies)
R9 + R1.90 per R100 R70
FNB Branch/Cheque
R60 + R2.10 per R100
International Branch (Additional 2.75% Commission and Conversion fee applies)
R70 + R2.10 per R100
Deposits Cash Deposit at FNB Branch Cheque Deposit at FNB Branch and ATM
R60 + R2.10 per R100 R50 + R7.50 per cheque (Max. R120)
ENC Upliftment Fee
R300
Special Clearance Fee
R300
Linked Transfers FNB Branch or Telephone Banking (Consultant Assisted)
R70
Online or Mobile Channels
Free
Payments FNB Branch or Telephone Banking (Consultant Assisted)
R70
Bank Cheque
R120
Online or Mobile Channels
Free
Cheque Payments
R85
Cancel Debit Orders (Stop Payments) Online or Mobile Channels
Free
Telephone Banking (Consultant Assisted)
R20
Branch
R70
Scheduled Payment (Establishment and Amendment) Online
Free
Branch
R17
Prepaid Airtime and Data Purchases Other Banks’ ATMs FNB Connect Airtime using eChannels and Mobile Channels Using Cellphone Banking or ATM (Non-Connect Airtime)
R13.50 Free R2.50
Balance Enquiries Using Mobile and eChannels Point-of-Sale Other Banks’ ATMs, International Point-of-Sale, Branch or Telephone Banking (Consultant Assisted)
Free R1.60 R6 FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 4
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Statements Cellphone Banking Mini Statement
Free
FNB ATM Transaction List
R3.20
Posted Statement
R17 (per statement)
Historical Statements older than 3 months – Online Banking
R7 (per statement)
Emailing of Statements – Branch and Telephone Banking
R17 (per statement)
Printing of Statements – ATM with Deposits
R3.50 (per page)
Printing of Statements – Branch and Telephone Banking
R27 (per statement)
Unsuccessful Transactions (Insufficient Funds) FNB ATM
Free
Point-of-Sale, Scheduled Payment, EDO and Other Banks’ ATMs
R8.50
Item Paid – Insufficient Funds*
R24 per R100 (Max R120.00)
Item Unpaid – Insufficient Funds*
R20 per R100 (Max R100.00)
* A service fee is charged for each payment honoured where there is not enough money in your transactional .
Card Replacement Fees Replacement Fee
R100
Knock & Drop (Standard) Delivery
Free
Branch or Personal (Scheduled) Delivery
R100
International Delivery
R600
Credit Fees Overdraft Initiation Fee (once-off)
Free
Revolving Loan Initiation Fee (once-off)
R155
Overdrafts Monthly Fee (agreements before 6 May 2016) (only pay when you use R200 or more of your Overdraft)
R57.50
Revolving Loan Monthly Fee (agreements before 6 May 2016)
R57.50
Overdrafts Monthly Fee (agreements from 6 May 2016) (only pay when you use R200 or more of your Overdraft)
R69
Revolving Loan Monthly Fee (agreements from 6 May 2016)
R69
Cheque Book Fees Pocket 40 Form
R80
Copies of Vouchers (Deposit Slips and Cheques) Online Banking
Free
Branch and Telephone Banking (Consultant Assisted)
R70
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 5
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Convenience and Value Added Services LOTTO™/Powerball, Pay TV prepaid, iTunes, Electricity, Traffic Fines, Transport
R2.50
MultiChoice Payments
R6.50
Pay & Clear Now
R45
Common Monetary Area (CMA) Cross-Border Receipt Confirmation Letter – Online
R100 plus applicable Cash Deposit Fee Free
Send Money R10.95 for Send value less than R1 000 R13.95 for Send value more than R1 000
Send Money to an eWallet Reversal of incorrect ‘Send Money to eWallet’ transaction
R50
Send Money to Zimbabwe/Mozambique Value: R100 – R1 000
R45
Value: R1 000.01 – R2 000
R70
Value: R2 000.01 – R3 000
R105
Additional Statements (Fee per month) Daily Online
Weekly
R26.50
Twice-monthly
R14.50
Daily Paper
R56
R117
Weekly
R48
Twice-monthly
R24
Electronic Subscriptions Services (Fee per month) My Limit Alert
R3.15
Scheduled Payment Alert
R3.15
Balance Alert (Fee per month) Monthly
R1.15
Weekly
R3.15
Daily
R15.50
Payment Notifications Email
R0.90
SMS
R1.25
Fax
R7
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 6
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Other Fees Cheque Book Courier Optional Roadside Assistance (Monthly Fee)
R250 R7
Online Banking Verification (FNB s and Other Banks s)
R6.20
Online Banking Payment History (older than 3 months)
R6.20
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 7
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Gold Credit Card
from
A credit card isn’t just about credit. Your Gold Credit Card offers you a Credit Facility as well as a transactional which is linked to a single credit card.
R48p.m Inc. Credit Facility Service fee and Credit Card fee.
Monthly Fees Credit Facility Fees Credit Facility Service Fee
R16
Initiation Fee (once-off)
Up to a maximum of R175
Credit Card Fees Gold Credit Card Monthly Fee
R32
Additional Card Fee
R16.50
Linked Petro Card (per card linked to )
R20
Credit Card Transactional Fees Purchases Credit card purchases*
Free
Credit card budget purchases
Free
Fuel transaction Fee (Petro cards only)
R5.50
Cash Withdrawal Fees FNB ATM
R1.90 per R100
Other Banks’ ATMs
R9 + FNB ATM Fee
FNB Mini ATM
R1.90 per R100
Other Banks’ Mini ATMs
R9 + FNB ATM Fee
Branch (includes all Financial Institution Branches and the Purchase of Foreign Exchange)
R60 + R2.10 per R100
Cash on Budget
R65 + R2.85 per R100
International** (ATM and Branch)
R70 + R2.10 per R100
Cash@Till®
R1.60
Deposits FNB ATM with Automated Deposit Terminal (ADT)
R0.95 per R100
FNB Branch and FNB ATM with envelope deposits
R60 + R2.10 per R100
*International Currency Commission and Conversion of 2.75% of the transaction value applies for international purchases. ** This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATMs charge an additional surcharge.
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 8
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Credit Card Transactional Fees Linked Transfers and Payments IVR Smart Transfer to FNB
Free
Linked Transfers
R4.20
Third Party Payments
R8.20
Telephone Banking (Consultant Assisted)
R70
Transfers and Payments at Branch
R70
Voucher Retrieval Requests Local
R105
International
R295
Other Fees Declined Transaction Fee
R8.50
Section 129 Letter Fee*
R73.95 or R86.60
Standard Delivery
Free
Scheduled Delivery**
R100
Branch Delivery
R100
International Card Delivery
R600
Credit Card Monthly Rewards Fee
Free
Card Replacement Fee (one free replacement per year, thereafter R100 per card)
Free
Convenience Fees Send Money to an eWallet (R100 - R1 000)
R10.95
Send Money to an eWallet (R1 001 - R3 000)
R13.95
Reversal of incorrect ‘Send Money to eWallet’ transaction
R50
Cardless cash withdrawal
R1.90 per R100
Pay2Cell
R4.50
LOTTO™/Powerball Purchase
R2.50
Prepaid Transaction Fee
R2.50
Uncapped ADSL Fee
R2.50
*Subject to applicable Magistrate’s Court tariffs and ed mail costs. Value applicable is dependent on the value of the claim. **Note - Scheduled delivery will be free if KYC documentation needs to be collected
Important information • The above pricing is inclusive of VAT • Interest rates are personalised and appear on the credit card statement • Visit FNB’s website for a copy of the , Conditions and Rules that govern our agreement • If your Credit Facility goes into arrears, you will be liable for collection fees in accordance with the National Credit Act • Should you require further information on any credit card products or services, please Credit Card Customer Enquiries on 087 575 1111
Definitions: • Credit Facility Service Fee is the cost charged monthly for the routine istration of maintaining your credit facility • Credit Card Monthly Fee is the cost charged monthly for the istration and maintenance of your credit card , Conditions & Rules Apply FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 9
Gold Pricing
Gold Credit Card Pricing
200
Overview
Send Money
5
1
2
Send Money
Global
The Small Print
We live in a global village. Right now, you have someone you love living in another city – or even another country. We want to help you take care of them – and to help them take care of you. And sometimes caring means giving money, right? FNB’s Send Money options allow you easy access to sending money in one of four ways – via Cellphone Banking, Online Banking, FNB ATMs and the FNB Banking App. With FNB’s offerings: eWallet, Zimbabwe and Mozambique Money Transfer and MoneyGram, you can transact easily and securely. With FNB, sending money has never been this easy.
eWallet Do you need to Send Money instantly? eWallet is a convenient way to Send Money to anyone with a valid South African cellphone number* – even if that person doesn’t have a bank . Your money is received instantly at no cost to the recipient. You can also send money if you have an FNB Credit Card. Use Online Banking or an FNB ATM. eWallet recipient can: • withdraw some or all of the cash from any FNB ATM • withdraw cash and/or pay for their goods at participating SPAR stores & other retailers • buy prepaid airtime, data or electricity by dialing *120*277# * Nokia Lumia phones and all other Windows 7.5 and Windows 8-operated phones cannot be used to Send Money or to receive money.
Fees for Sender Send Money from FNB to eWallet Reversal of incorrect ‘Send Money to eWallet’ transaction
R10.95 for Send value less than R1 000 R13.95 for Send value more than R1 000 R50
Fees for Recipient (eWallet ) Monthly Fee
Free 1 free ATM withdrawal for each payment received*
Withdraw cash from an FNB ATM, FNB Slimline or participating retailers
If you have used your free withdrawals, the following fees will apply: FNB ATM/Slimline: R10.95 for amounts up to R1 000 R13.95 for amounts over R1 000
Purchases at participating retailers Prepaid airtime or data purchase
Free R1 for purchases less than R10 R2 for purchases more than R10
Electricity
R2.50
DSTV payments
R6.50
Box Office payments
R2.50
Inactivity fee per month (after 6 months of inactivity)
R10.00
Transfer from your eWallet to your FNB
Free
eWallet balance enquiry
Free
eWallet mini-statement
Free
Cell Pay Point purchase from eWallet
Free
Note: For a list of stores, visit our website > For me > eWallet > Ways to use. * Limited to a maximum of 4 at any time. FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 10
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Zimbabwe Money Transfer FNB’s Zimbabwe Money Transfer is an instant, easy and affordable money transfer service that allows FNB customers residing in South Africa to send money to an individual in Zimbabwe who has a valid Zimbabwean identity document. The funds can be collected instantly at a participating OK Zimbabwe Ltd Money Counter. You can Send Money to Zimbabwe from your active FNB transactional* at any time – as long as you are ed for Cellphone Banking, Online Banking or the FNB Banking App and in. * Please note: Currently, FNB customers cannot Send Money to Zimbabwe from FNB Credit Card s.
Zimbabwe Money Transfer Fees Amount
Cost to Sender
Cost to Recipient
R100 – R1 000
R45
Zero
R1 001 – R2 000
R70
Zero
R2 001 – R3 000
R105
Zero
Mozambique Money Transfer FNB’s Mozambique Money Transfer is an instant, easy and affordable money transfer service that allows FNB customers residing in South Africa to send money to an individual in Mozambique who has a valid Mozambique identity document. The funds can be collected at any FNB Mozambique branch. You can Send Money to Mozambique from your active FNB transactional* at any time – as long as you are ed for Cellphone Banking, Online Banking or the FNB Banking App and in. * Please note: Currently, FNB customers cannot Send Money to Mozambique from FNB Credit Card s
Mozambique Money Transfer Fees Amount
Cost to Sender
Cost to Recipient
R100 – R1 000
R45
Zero
R1 001 – R2 000
R70
Zero
R2 001 – R3 000
R105
Zero
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 11
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
MoneyGram MoneyGram is a money transfer service that FNB offers customers for cross-border, person-to-person payments to more than 200 countries and territories excluding Lesotho, Namibia and Swaziland. This is an easy and affordable, quick and convenient way to send or receive foreign currency and its speed and simplicity ensure a same-day transaction. All you need to send a MoneyGram is an FNB – along with some money in it, of course! You can send a MoneyGram from an FNB branch, ATM or via Cellphone Banking. All beneficiaries must be loaded in a branch, after which you’ll be able to transact via FNB ATMs or Cellphone Banking. You will receive a reference number confirming you have sent the money. You will need to give this reference number to the beneficiary. The beneficiary can then go to their nearest MoneyGram agent in their country with the reference number and present their identity document to collect the money within minutes of you sending it.
MoneyGram (Send Amount: USD) From$0.01
To $50
Send Fee (USD) $7
$50.01
$100
$10
$100.01
$150
$11
$150.01
$200
$13
$200.01
$250
$15
$250.01
$300
$17
$300.01
$400
$19
$400.01
$500
$24
$500.01
$600
$29
$600.01
$700
$34
$700.01
$800
$39
$800.01
$900
$44
$900.01
$1 000
$49
$1 000.01
$1 200
$55
$1 200.01
$1 500
$63
$1 500.01
$1 800
$70
$1 800.01
$2 500
$90
$2 500.01
$5 000
$140
$5 000.01
$7 500
$240
$7 500.01
$8 000
$290
Pricing is set by MoneyGram and is subject to change at MoneyGram’s discretion. All MoneyGram prices exclude VAT
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 12
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Global Bespoke solutions to save and transact globally. FNB Gold offers you a Global to save and transact in foreign currency; whether you are saving for offshore travel, require quick access to manage currency risk or are receiving and making international payments occasionally, the Global is the ideal choice.
Save in currency with the Global . • Open a Global via your Online Banking profile in less than three minutes and then simply fund it via Online Banking • No minimum balance required • No monthly fees • Make payments abroad and transfers between your s via Online Banking • Earnings from abroad can be paid directly into your Global when working abroad
New Global Card - Spend directly from your Global • The USD, GBP or EUR Global Card allows you to transact directly from your USD, GBP or EUR Global at international ATMs and Points of Sale during your overseas trip. • The Global Card is a VISA Signature Lifestyle card that offers the card-holder 10 complimentary visits to over 800 international airport lounges per year through LoungeKey. You simply present your card at reception and mention LoungeKey. • Traveling with a plus one? Not a problem. Your guest also gets a complimentary entrance when you do. All additional visits are charged at $27, directly to the card. • Track your lounge visits balance and locate a lounge on www.loungekey.com/SASignature • The Global Card may be issued and managed via your Online Banking Profile or your FNB Banking App. • Enabled for Online shopping at international retailers. • Card swipes are free. • Alternatively, if you are travelling to Australia the funds that you have been saving in your AUD Global may fund a Multi-currency Cash portTM, all of which may be facilitated via your Online Banking profile.
Transaction description
Fees by Currency GBP
USD
EUR
Annual Card Fee
£15
$20
€17
International ATM Withdrawal
£3
$5
€4
Card Replacement (lost, stolen or damaged)
£7
$10
€8
Free
Free
Free
Balance Enquiry
£0.35
$0.50
€0.40
Insufficient Funds Fee (ATM and POS Transactions)
£0.50
$0.80
€0.60
Card Swipes and International Online Card Payments
Currency Conversion (when a specific currency card is used in a different currency zone)
2.75%
* eBucks earned on Global Payment and Global Receipt transactions are subject to standard eBucks Reward earn rules. For more information, visit the eBucks website. FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 13
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
The Small Print Our Small Print is straightforward. Here we go: Information on our products and prices • FNB, a division of FirstRand Bank Ltd. reserves the right to change fees or introduce new fees from time to time. If we do this, though, we’ll give you at least 20 business days’ notice of these changes. You’ll find these changes on FNB’s website.
• If there is disagreement between the product or facility specific and conditions and what’s outlined in this pricing guide, we’ll follow the product or facility-specific and conditions that apply to such a facility or product.
• 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.
• FNB reserves the right to change the features of any product or facility at any time.
• You must apply for each facility or product individually. • The granting of any facility or product is subject to you meeting the qualifying criteria of that product or facility. • Each facility or product has a set of and conditions for that specific facility or product. We agree on these and conditions with the applicant.
• Fees quoted as “per R100” 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 2018 - 30 June 2019.
Standard terminology If you want to compare FNB’s fees with those of other banks, we have, as far as possible, used standard terminology throughout this pricing guide. This is in line with Section 13 of the Code of Banking Practice (COBP). In the case where we’ve used FNB-specific terminology, we’ve added this here showing the wording that other banks may use. So, FNB’s term – as per this pricing guide – is “Card Purchase”, while the standard terminology is “Card Transaction”; FNB’s term is “Payment”, while the standard terminology equivalent is “Third Party Payment/ Stop Order”. FNB uses the term “Slimline Devices” whereas other banks might call them Mini ATMs. FNB uses the term “eChannels”, which refers to Online Banking, Telephone Banking, Interactive Voice Response (IVR) and FNB ATMs. FNB’s “Mobile Channels” refer to Cellphone Banking and the FNB Banking App.
, Conditions and Rules apply. Standard network rates apply.
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 14
1 July 2018 – 30 June 2019
Includes Gold & Gold Credit Card Also available on the Islamic Gold FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 1
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Do more. Be more
with FNB Gold.
With FNB Gold, we help you manage your money, save it, protect it, grow it, borrow when you need to, and enjoy great rewards for doing all that.
50100 0
In the world of Gold you can:
Bank
Spend
• Withdraw cash at Shoprite & Checkers, Pick n Pay, Boxer stores and selected Spar and Usave tills
• Unlimited free swipes when you use your card to pay
• Free subscription to in on the FNB Banking App, notifying you of all transactions • Free subscription to all digital channels, Zero data charges when using FNB Banking App • Free emailed monthly statements
• Protection with Online Secure, giving you an OTP to protect your card’s exclusivity • Free Auto Payment, offering you the convenience of having your paid on time each month • Make secure payments with your chip & PIN Card
Borrow Get a personalised and competitive interest rate • You may apply for an Overdraft. You will only pay a service fee when you use R200 or more of your overdraft • You may apply for a Personal Loan • You can take up a Temporary Loan, which is a short-term credit offering for which no forms are needed
• Unlimited electronic transactions
• You may apply for a Credit Card
• Free balance enquiries using the FNB App
• You may apply for housing and vehicle finance
• Free lost card protection and PIN replacement
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 1
Overview
Gold Pricing
1
Gold Credit Card Pricing
Send Money
Global
The Small Print
2
5
Save • Coupons on your FNB Banking App, offering discounts on a range of products from selected retailers • A free Savings that earns you great interest rates • Save while you spend with Bank Your Change®. We round up your card purchase value and transfer the difference from the purchase amount to your Savings • FNB’s Islamic offering also offers a competitive profit share We offer a range of savings products to suit your needs.
Helpful ways to bank Make the most out of your and have access to a world of products and rewards
Live • Free delivery of your Gold Card and Gold Credit Card to your home or office
• The ability to apply for covers such as funeral, life, hospital and retrenchment
• You could qualify for a new smartphone, tablet or laptops, and get discounts up to 100% depending on your eBucks reward level
• Free Comprehensive Global Travel Insurance when you purchase your return travel ticket(s) using your Gold Credit Card for flights and / or road travel
eBucks Rewards • Free subscription to eBucks Rewards* • Earn eBucks for doing everyday things, shopping at Shoprite & Checkers, filling up with fuel at Engen only**, using Uber domestically, purchasing Connect prepaid airtime, having a Connect contract or when you send or receive foreign currency through FNB Forex • Earn eBucks back on your qualifying Connect contract or when purchasing Connect prepaid airtime
• The freedom to spend your eBucks on almost anything: fuel, electronics, appliances, travel, books, CDs, DVDs, flowers, outdoor equipment, fashion – you name it • Get discounts of up to 40% on selected items from the eBucks Shop as well as up to 40% off local and international flights and domestic car hire through eBucks Travel.** This means that the more eBucks you earn, the more you save when you spend your eBucks – while getting a discount on your purchase at the same time. Sounds like a no‑brainer to us!
Deposit your salary Switch debit orders Transact on the App
, Conditions and Rules apply. * For more on eBucks Rewards, go to the eBucks website. ** You will not earn eBucks for any fuels purchases made at any other fuel station. *** Discounts exclude all taxes.
Swipe credit card for purchases
Islamic Gold
Gold Fusion
FNB is proud to offer you a Shari’ah- compliant Islamic Gold , with similar value adds, reward benefits and pricing as a Gold .
You get full transactional capability, allowing for salary deposits, swiping for purchases, ATM withdrawals, EFTs, debit orders and a credit facility to top it off.
FNB’s Islamic offering also offers a competitive profit share.
Also worth a mention:
For more information, the Islamic Banking Suite on 087 578 6786. Please note that Overdrafts are not offered on the Islamic Gold Cheque . , Conditions and Rules apply.
• Pay only one monthly fee of R155 • Get up to 30 days’ interest free on point of sale swipes • Free AA roadside assistance • Free Global Travel Insurance Please note that Gold Fusion pricing follows Gold Unlimited pricing. Please see Unlimited pricing on the next page.
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 2
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Unlimited Pricing
from
FNB’s pricing option for Gold customers offers the benefit of a monthly fixed-fee. This way, you always have a sense of what your costs are – and feel in control of what you’re paying every month.
R105 p.m
Each month, you get: • Unlimited free qualifying electronic transactions using Online Banking, Cellphone Banking, Telephone Banking and the FNB Banking App for transactions like debit orders, card purchases, payments and transfers • Free cash withdrawals at Shoprite & Checkers, Pick ‘n Pay, Boxer stores and selected Spar and Usave tills*
• Free cash withdrawals up to R5 000 per month • Free cash deposits up to R5 000 per month (at an FNB ATM with Deposits) • Free Prepaid Airtime and Data Purchases via the FNB Banking App or Online Banking
* Included in R5 000 cash withdrawal monthly limit.
Unlimited Pricing Features Monthly Fee* Cash Withdrawals** Cash@Till®
R105 A combination of R5 000 per month, after which fees listed on the right apply
R1.90 per R100 R1.60
Cash Deposits at FNB ATM (with Deposits) Prepaid Airtime and Data Purchases
R5 000 per month, thereafter R0.95 per R100 Free Prepaid Airtime Purchases via the FNB Banking App or Online Banking
Online, Cellphone Banking and in subscriptions
Free
in notifications
Free
Pay with your Card
Free
Mobile and eChannel transfers
Free
Mobile and eChannel payments
Free
Internal and external Debit Orders
Free
Current month emailed statement
Free
* An additional monthly Exchange Control istration Fee of R15 will be levied on Non-Resident Cheque. ** Includes FNB ATM, Cardless and Slimline withdrawals.
Other Fees Petrol Card (linked to cheque ) - Monthly Fee
R18
Card Purchases Commission and Currency Conversion Fee on International Card Purchases Petrol Card Fuel Purchases
2.75% of transaction value R5.25
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 3
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Cash Withdrawals Other Banks’ ATMs International ATM (Additional 2.75% Commission and Conversion fee applies)
R9 + R1.90 per R100 R70
FNB Branch/Cheque
R60 + R2.10 per R100
International Branch (Additional 2.75% Commission and Conversion fee applies)
R70 + R2.10 per R100
Deposits Cash Deposit at FNB Branch Cheque Deposit at FNB Branch and ATM
R60 + R2.10 per R100 R50 + R7.50 per cheque (Max. R120)
ENC Upliftment Fee
R300
Special Clearance Fee
R300
Linked Transfers FNB Branch or Telephone Banking (Consultant Assisted)
R70
Online or Mobile Channels
Free
Payments FNB Branch or Telephone Banking (Consultant Assisted)
R70
Bank Cheque
R120
Online or Mobile Channels
Free
Cheque Payments
R85
Cancel Debit Orders (Stop Payments) Online or Mobile Channels
Free
Telephone Banking (Consultant Assisted)
R20
Branch
R70
Scheduled Payment (Establishment and Amendment) Online
Free
Branch
R17
Prepaid Airtime and Data Purchases Other Banks’ ATMs FNB Connect Airtime using eChannels and Mobile Channels Using Cellphone Banking or ATM (Non-Connect Airtime)
R13.50 Free R2.50
Balance Enquiries Using Mobile and eChannels Point-of-Sale Other Banks’ ATMs, International Point-of-Sale, Branch or Telephone Banking (Consultant Assisted)
Free R1.60 R6 FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 4
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Statements Cellphone Banking Mini Statement
Free
FNB ATM Transaction List
R3.20
Posted Statement
R17 (per statement)
Historical Statements older than 3 months – Online Banking
R7 (per statement)
Emailing of Statements – Branch and Telephone Banking
R17 (per statement)
Printing of Statements – ATM with Deposits
R3.50 (per page)
Printing of Statements – Branch and Telephone Banking
R27 (per statement)
Unsuccessful Transactions (Insufficient Funds) FNB ATM
Free
Point-of-Sale, Scheduled Payment, EDO and Other Banks’ ATMs
R8.50
Item Paid – Insufficient Funds*
R24 per R100 (Max R120.00)
Item Unpaid – Insufficient Funds*
R20 per R100 (Max R100.00)
* A service fee is charged for each payment honoured where there is not enough money in your transactional .
Card Replacement Fees Replacement Fee
R100
Knock & Drop (Standard) Delivery
Free
Branch or Personal (Scheduled) Delivery
R100
International Delivery
R600
Credit Fees Overdraft Initiation Fee (once-off)
Free
Revolving Loan Initiation Fee (once-off)
R155
Overdrafts Monthly Fee (agreements before 6 May 2016) (only pay when you use R200 or more of your Overdraft)
R57.50
Revolving Loan Monthly Fee (agreements before 6 May 2016)
R57.50
Overdrafts Monthly Fee (agreements from 6 May 2016) (only pay when you use R200 or more of your Overdraft)
R69
Revolving Loan Monthly Fee (agreements from 6 May 2016)
R69
Cheque Book Fees Pocket 40 Form
R80
Copies of Vouchers (Deposit Slips and Cheques) Online Banking
Free
Branch and Telephone Banking (Consultant Assisted)
R70
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 5
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Convenience and Value Added Services LOTTO™/Powerball, Pay TV prepaid, iTunes, Electricity, Traffic Fines, Transport
R2.50
MultiChoice Payments
R6.50
Pay & Clear Now
R45
Common Monetary Area (CMA) Cross-Border Receipt Confirmation Letter – Online
R100 plus applicable Cash Deposit Fee Free
Send Money R10.95 for Send value less than R1 000 R13.95 for Send value more than R1 000
Send Money to an eWallet Reversal of incorrect ‘Send Money to eWallet’ transaction
R50
Send Money to Zimbabwe/Mozambique Value: R100 – R1 000
R45
Value: R1 000.01 – R2 000
R70
Value: R2 000.01 – R3 000
R105
Additional Statements (Fee per month) Daily Online
Weekly
R26.50
Twice-monthly
R14.50
Daily Paper
R56
R117
Weekly
R48
Twice-monthly
R24
Electronic Subscriptions Services (Fee per month) My Limit Alert
R3.15
Scheduled Payment Alert
R3.15
Balance Alert (Fee per month) Monthly
R1.15
Weekly
R3.15
Daily
R15.50
Payment Notifications Email
R0.90
SMS
R1.25
Fax
R7
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 6
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Other Fees Cheque Book Courier Optional Roadside Assistance (Monthly Fee)
R250 R7
Online Banking Verification (FNB s and Other Banks s)
R6.20
Online Banking Payment History (older than 3 months)
R6.20
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 7
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Gold Credit Card
from
A credit card isn’t just about credit. Your Gold Credit Card offers you a Credit Facility as well as a transactional which is linked to a single credit card.
R48p.m Inc. Credit Facility Service fee and Credit Card fee.
Monthly Fees Credit Facility Fees Credit Facility Service Fee
R16
Initiation Fee (once-off)
Up to a maximum of R175
Credit Card Fees Gold Credit Card Monthly Fee
R32
Additional Card Fee
R16.50
Linked Petro Card (per card linked to )
R20
Credit Card Transactional Fees Purchases Credit card purchases*
Free
Credit card budget purchases
Free
Fuel transaction Fee (Petro cards only)
R5.50
Cash Withdrawal Fees FNB ATM
R1.90 per R100
Other Banks’ ATMs
R9 + FNB ATM Fee
FNB Mini ATM
R1.90 per R100
Other Banks’ Mini ATMs
R9 + FNB ATM Fee
Branch (includes all Financial Institution Branches and the Purchase of Foreign Exchange)
R60 + R2.10 per R100
Cash on Budget
R65 + R2.85 per R100
International** (ATM and Branch)
R70 + R2.10 per R100
Cash@Till®
R1.60
Deposits FNB ATM with Automated Deposit Terminal (ADT)
R0.95 per R100
FNB Branch and FNB ATM with envelope deposits
R60 + R2.10 per R100
*International Currency Commission and Conversion of 2.75% of the transaction value applies for international purchases. ** This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATMs charge an additional surcharge.
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 8
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Credit Card Transactional Fees Linked Transfers and Payments IVR Smart Transfer to FNB
Free
Linked Transfers
R4.20
Third Party Payments
R8.20
Telephone Banking (Consultant Assisted)
R70
Transfers and Payments at Branch
R70
Voucher Retrieval Requests Local
R105
International
R295
Other Fees Declined Transaction Fee
R8.50
Section 129 Letter Fee*
R73.95 or R86.60
Standard Delivery
Free
Scheduled Delivery**
R100
Branch Delivery
R100
International Card Delivery
R600
Credit Card Monthly Rewards Fee
Free
Card Replacement Fee (one free replacement per year, thereafter R100 per card)
Free
Convenience Fees Send Money to an eWallet (R100 - R1 000)
R10.95
Send Money to an eWallet (R1 001 - R3 000)
R13.95
Reversal of incorrect ‘Send Money to eWallet’ transaction
R50
Cardless cash withdrawal
R1.90 per R100
Pay2Cell
R4.50
LOTTO™/Powerball Purchase
R2.50
Prepaid Transaction Fee
R2.50
Uncapped ADSL Fee
R2.50
*Subject to applicable Magistrate’s Court tariffs and ed mail costs. Value applicable is dependent on the value of the claim. **Note - Scheduled delivery will be free if KYC documentation needs to be collected
Important information • The above pricing is inclusive of VAT • Interest rates are personalised and appear on the credit card statement • Visit FNB’s website for a copy of the , Conditions and Rules that govern our agreement • If your Credit Facility goes into arrears, you will be liable for collection fees in accordance with the National Credit Act • Should you require further information on any credit card products or services, please Credit Card Customer Enquiries on 087 575 1111
Definitions: • Credit Facility Service Fee is the cost charged monthly for the routine istration of maintaining your credit facility • Credit Card Monthly Fee is the cost charged monthly for the istration and maintenance of your credit card , Conditions & Rules Apply FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 9
Gold Pricing
Gold Credit Card Pricing
200
Overview
Send Money
5
1
2
Send Money
Global
The Small Print
We live in a global village. Right now, you have someone you love living in another city – or even another country. We want to help you take care of them – and to help them take care of you. And sometimes caring means giving money, right? FNB’s Send Money options allow you easy access to sending money in one of four ways – via Cellphone Banking, Online Banking, FNB ATMs and the FNB Banking App. With FNB’s offerings: eWallet, Zimbabwe and Mozambique Money Transfer and MoneyGram, you can transact easily and securely. With FNB, sending money has never been this easy.
eWallet Do you need to Send Money instantly? eWallet is a convenient way to Send Money to anyone with a valid South African cellphone number* – even if that person doesn’t have a bank . Your money is received instantly at no cost to the recipient. You can also send money if you have an FNB Credit Card. Use Online Banking or an FNB ATM. eWallet recipient can: • withdraw some or all of the cash from any FNB ATM • withdraw cash and/or pay for their goods at participating SPAR stores & other retailers • buy prepaid airtime, data or electricity by dialing *120*277# * Nokia Lumia phones and all other Windows 7.5 and Windows 8-operated phones cannot be used to Send Money or to receive money.
Fees for Sender Send Money from FNB to eWallet Reversal of incorrect ‘Send Money to eWallet’ transaction
R10.95 for Send value less than R1 000 R13.95 for Send value more than R1 000 R50
Fees for Recipient (eWallet ) Monthly Fee
Free 1 free ATM withdrawal for each payment received*
Withdraw cash from an FNB ATM, FNB Slimline or participating retailers
If you have used your free withdrawals, the following fees will apply: FNB ATM/Slimline: R10.95 for amounts up to R1 000 R13.95 for amounts over R1 000
Purchases at participating retailers Prepaid airtime or data purchase
Free R1 for purchases less than R10 R2 for purchases more than R10
Electricity
R2.50
DSTV payments
R6.50
Box Office payments
R2.50
Inactivity fee per month (after 6 months of inactivity)
R10.00
Transfer from your eWallet to your FNB
Free
eWallet balance enquiry
Free
eWallet mini-statement
Free
Cell Pay Point purchase from eWallet
Free
Note: For a list of stores, visit our website > For me > eWallet > Ways to use. * Limited to a maximum of 4 at any time. FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 10
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Zimbabwe Money Transfer FNB’s Zimbabwe Money Transfer is an instant, easy and affordable money transfer service that allows FNB customers residing in South Africa to send money to an individual in Zimbabwe who has a valid Zimbabwean identity document. The funds can be collected instantly at a participating OK Zimbabwe Ltd Money Counter. You can Send Money to Zimbabwe from your active FNB transactional* at any time – as long as you are ed for Cellphone Banking, Online Banking or the FNB Banking App and in. * Please note: Currently, FNB customers cannot Send Money to Zimbabwe from FNB Credit Card s.
Zimbabwe Money Transfer Fees Amount
Cost to Sender
Cost to Recipient
R100 – R1 000
R45
Zero
R1 001 – R2 000
R70
Zero
R2 001 – R3 000
R105
Zero
Mozambique Money Transfer FNB’s Mozambique Money Transfer is an instant, easy and affordable money transfer service that allows FNB customers residing in South Africa to send money to an individual in Mozambique who has a valid Mozambique identity document. The funds can be collected at any FNB Mozambique branch. You can Send Money to Mozambique from your active FNB transactional* at any time – as long as you are ed for Cellphone Banking, Online Banking or the FNB Banking App and in. * Please note: Currently, FNB customers cannot Send Money to Mozambique from FNB Credit Card s
Mozambique Money Transfer Fees Amount
Cost to Sender
Cost to Recipient
R100 – R1 000
R45
Zero
R1 001 – R2 000
R70
Zero
R2 001 – R3 000
R105
Zero
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 11
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
MoneyGram MoneyGram is a money transfer service that FNB offers customers for cross-border, person-to-person payments to more than 200 countries and territories excluding Lesotho, Namibia and Swaziland. This is an easy and affordable, quick and convenient way to send or receive foreign currency and its speed and simplicity ensure a same-day transaction. All you need to send a MoneyGram is an FNB – along with some money in it, of course! You can send a MoneyGram from an FNB branch, ATM or via Cellphone Banking. All beneficiaries must be loaded in a branch, after which you’ll be able to transact via FNB ATMs or Cellphone Banking. You will receive a reference number confirming you have sent the money. You will need to give this reference number to the beneficiary. The beneficiary can then go to their nearest MoneyGram agent in their country with the reference number and present their identity document to collect the money within minutes of you sending it.
MoneyGram (Send Amount: USD) From$0.01
To $50
Send Fee (USD) $7
$50.01
$100
$10
$100.01
$150
$11
$150.01
$200
$13
$200.01
$250
$15
$250.01
$300
$17
$300.01
$400
$19
$400.01
$500
$24
$500.01
$600
$29
$600.01
$700
$34
$700.01
$800
$39
$800.01
$900
$44
$900.01
$1 000
$49
$1 000.01
$1 200
$55
$1 200.01
$1 500
$63
$1 500.01
$1 800
$70
$1 800.01
$2 500
$90
$2 500.01
$5 000
$140
$5 000.01
$7 500
$240
$7 500.01
$8 000
$290
Pricing is set by MoneyGram and is subject to change at MoneyGram’s discretion. All MoneyGram prices exclude VAT
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 12
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
Global Bespoke solutions to save and transact globally. FNB Gold offers you a Global to save and transact in foreign currency; whether you are saving for offshore travel, require quick access to manage currency risk or are receiving and making international payments occasionally, the Global is the ideal choice.
Save in currency with the Global . • Open a Global via your Online Banking profile in less than three minutes and then simply fund it via Online Banking • No minimum balance required • No monthly fees • Make payments abroad and transfers between your s via Online Banking • Earnings from abroad can be paid directly into your Global when working abroad
New Global Card - Spend directly from your Global • The USD, GBP or EUR Global Card allows you to transact directly from your USD, GBP or EUR Global at international ATMs and Points of Sale during your overseas trip. • The Global Card is a VISA Signature Lifestyle card that offers the card-holder 10 complimentary visits to over 800 international airport lounges per year through LoungeKey. You simply present your card at reception and mention LoungeKey. • Traveling with a plus one? Not a problem. Your guest also gets a complimentary entrance when you do. All additional visits are charged at $27, directly to the card. • Track your lounge visits balance and locate a lounge on www.loungekey.com/SASignature • The Global Card may be issued and managed via your Online Banking Profile or your FNB Banking App. • Enabled for Online shopping at international retailers. • Card swipes are free. • Alternatively, if you are travelling to Australia the funds that you have been saving in your AUD Global may fund a Multi-currency Cash portTM, all of which may be facilitated via your Online Banking profile.
Transaction description
Fees by Currency GBP
USD
EUR
Annual Card Fee
£15
$20
€17
International ATM Withdrawal
£3
$5
€4
Card Replacement (lost, stolen or damaged)
£7
$10
€8
Free
Free
Free
Balance Enquiry
£0.35
$0.50
€0.40
Insufficient Funds Fee (ATM and POS Transactions)
£0.50
$0.80
€0.60
Card Swipes and International Online Card Payments
Currency Conversion (when a specific currency card is used in a different currency zone)
2.75%
* eBucks earned on Global Payment and Global Receipt transactions are subject to standard eBucks Reward earn rules. For more information, visit the eBucks website. FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 13
Overview
Gold Pricing
Gold Credit Card Pricing
Send Money
Global
The Small Print
The Small Print Our Small Print is straightforward. Here we go: Information on our products and prices • FNB, a division of FirstRand Bank Ltd. reserves the right to change fees or introduce new fees from time to time. If we do this, though, we’ll give you at least 20 business days’ notice of these changes. You’ll find these changes on FNB’s website.
• If there is disagreement between the product or facility specific and conditions and what’s outlined in this pricing guide, we’ll follow the product or facility-specific and conditions that apply to such a facility or product.
• 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.
• FNB reserves the right to change the features of any product or facility at any time.
• You must apply for each facility or product individually. • The granting of any facility or product is subject to you meeting the qualifying criteria of that product or facility. • Each facility or product has a set of and conditions for that specific facility or product. We agree on these and conditions with the applicant.
• Fees quoted as “per R100” 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 2018 - 30 June 2019.
Standard terminology If you want to compare FNB’s fees with those of other banks, we have, as far as possible, used standard terminology throughout this pricing guide. This is in line with Section 13 of the Code of Banking Practice (COBP). In the case where we’ve used FNB-specific terminology, we’ve added this here showing the wording that other banks may use. So, FNB’s term – as per this pricing guide – is “Card Purchase”, while the standard terminology is “Card Transaction”; FNB’s term is “Payment”, while the standard terminology equivalent is “Third Party Payment/ Stop Order”. FNB uses the term “Slimline Devices” whereas other banks might call them Mini ATMs. FNB uses the term “eChannels”, which refers to Online Banking, Telephone Banking, Interactive Voice Response (IVR) and FNB ATMs. FNB’s “Mobile Channels” refer to Cellphone Banking and the FNB Banking App.
, Conditions and Rules apply. Standard network rates apply.
FNB Pricing Guide / Gold / 1 July 2018 - 30 June 2019
Page 14
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