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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
Ways to bank
eB
eBucks Rewards and benefits
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Introduction
This pricing guide will assist you in understanding
Our approach begins with understanding the
You can also take advantage of the personalised
your bank charges and help you make banking
financial needs of you and your family, and extends
service of the 24/7 Service Suite for your
choices that enable you to get the most out of
to your business and long-term generational wealth
day-to-day transactional banking requirements,
banking with us.
and investment aspirations. Using this insight, your
as well as convenient and secure daily banking
Private Banker and a team of specialists will help
through Online Banking and the FNB Banking App.
All fees quoted are VAT inclusive and are effective
you proactively grow, manage and protect
Plus, you have access to rewards at the highest
from 1 July 2016 to 30 June 2017.
your wealth.
level in FNB.
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.
Introduction
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Private banking
and wealth advice
Local and global
Digital
convenience:
Online | App
Private Banker
supported by a
team of experts
24/7
Service Suite
Easy,
convenient
day-to-day
banking
Funding
that helps
you build
your wealth
Consolidated
transactional
banking
Specialised
lending
An investment
portfolio
to grow
your wealth
Personalised
solutions
to protect
your future
Advice-led
investments
Intergenerational
fiduciary and
risk advice
Rewards
well
deserved
Benefits
beyond wealth
Introduction
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Online Banking and the FNB Banking App
Use our innovative, secure electronic channels to
• Card and PIN maintenance
perform day-to-day transactions such as:
• Stopping cheques and/or debit orders
• Ordering Foreign Exchange
• Making once-off payments and transfers
• Global Payments and Receipts
• Setting up scheduled payments and transfers
• Making prepaid purchases
• Retrieving historical statements
Ways to bank
Private Wealth Cheque and Credit Cards
Dedicated 24/7 Service Suite
Swipe your card instead of using cash. It is safer,
cheaper and more convenient, and qualifying
Our Service Suite will assist you with all of your
clients earn eBucks.
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)
Introduction
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
eBucks Rewards and benefits
As a Private Wealth client, you have access to
rewards at the highest level on your Private Wealth
Earn up to
Cheque and Credit Cards.
Safe and convenient shopping complete
with the best rewards
3%
Earn up to 12 times more eBucks when you pay
6%
with your Private Wealth Credit Card for in-store
and online shopping.
5%
15%
Terms, conditions and rules apply.
back in eBucks when you swipe your Private Wealth Credit Card and
0.25% back when you swipe your Private Wealth Cheque Card
back in eBucks when you shop online using your Private Wealth Credit Card
and 0.5% back when using your Private Wealth Cheque Card
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 domestically
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Earn up to
15%
100%
back in eBucks when you buy prepaid electricity electronically through FNB
back in eBucks on your FNB Smart Device or laptop contract monthly subscription fee
40%
back in eBucks on your qualifying FNB Connect contract or when loading FNB Connect
prepaid airtime
back in eBucks on your transaction charges when you send or receive foreign currency payments online
50%
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
Terms, conditions and rules apply.
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eBucks Rewards and benefits
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
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
Terms, conditions and rules apply.
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Other eBucks benefits
eBucks Discounts
40%
Get up to 40% off when you buy products in the eBucks Shop, book domestic Avis car rental or
book selected flights online through eBucks Lifestyle
eBucks Lifestyle
An 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 worldwide
Terms, conditions and rules apply.
1
Free Lounge access is reward-level dependent.
Introduction
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Access to airport and business lounges
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
Peace of mind for you and your family
• 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)
1
Free Lounge access is reward-level dependent.
Terms, conditions and rules apply.
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Private Wealth accounts
Free access
to our secure
Save time with convenient,
A dedicated
and convenient
easy day-to-day banking.
Private Banker
electronic channels,
and access to a
including the FNB
team of fiduciary,
Access to our
Banking App and
Free card
lending, wealth
24/7 Service Suite
Online Banking,
replacement and
management and
to assist with
to perform your
Hassle-free debit
delivery per year as
Foreign Exchange
your day-to-day
day-to-day
order and salary
well as no annual
specialists
banking needs
transactions
switching
card fees
Free monthly
Free subscription
Free payment
An overdraft facility
Smartphones
Flexible pricing
email statements
to inContact, which
notifications that
with instant access
and tablets at
options to suit
alerts you of activity
alert recipients
to your funds, as
discounted prices
your personal
on your account
of payments you
well as a linked,
over a 24-month
transactional
have made to
personalised
period with
behaviour
their accounts
interest rate
0% interest
Benefit from:
Subject to credit approval.
2
2
2
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Cheque Account
Islamic Cheque Account
Select from five different pricing options:
The Private Wealth Cheque Account is an
This account offers similar features, pricing,
Note that these options are not applicable to
innovative private banking account that offers you
benefits and rewards to the Private Wealth Cheque
business accounts.
convenience and simplicity, allowing you to manage
Account. The main differences are:
all your financial needs in a way that best suits you.
1.Unlimited
• You may be eligible for a monthly profit share on
Structured/Single Facility
your Islamic Private Wealth Savings Pocket
• No debit or credit interest
This account uses debt consolidation and offers
• No overdraft or loan facilities
both debit and credit balance functionality,
together with transactional banking. It is no longer
One Account
necessary to maintain both a current account and
A single facility account designed to cater for your
combines these into one.
property finance and transactional needs, thus
combining your property finance account and your
The defining feature is the ability to hold a single
transactional account into a single facility account,
balance at any one time. Interest is calculated daily
secured by your home.
outstanding balance on your loan is reduced, you
save on interest.
3.Spousal
4.High Touch Banking
5.Pay-As-You-Use
a loan account, as the Structured/Single Facility
on your outstanding balance, so whenever the
2.Bundled
All fees quoted in the tables to follow are
VAT inclusive.
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
1. Unlimited pricing option
2. Bundled pricing option
For a fixed account fee per month, you get the
You pay a single discounted monthly account
Note: the Bundled pricing option is only applicable
following on your Private Wealth Cheque Account
fee for an all-inclusive bundle of transactional
to individuals, joint accounts do not apply.
and Structured/Single Facility:
products, which gives you all the benefits of the
Unlimited pricing option including the monthly
Unlimited electronic transactions
fees for your:
R100 000.00 on the Bundled or Unlimited pricing
• Private Wealth Cheque Account or
Unlimited FNB ATM and other banks’
Structured/Single Facility
ATM withdrawals (including local
• Private Wealth Credit Card
and international ATM withdrawals)
• Overdraft4
Free cheque payments and stop
payment loading
Free value-added services such as
LOTTO purchases3, Pay & Clear Now,
GEO Payments, prepaid purchases
• 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
and sending money to eWallet
LOTTO purchases are excluded from the Islamic Cheque Account.
Refer to terms and conditions of credit agreement.
5
Only applicable to Non-Discretionary Securities Global Trading Accounts.
6
Fees are applicable to Foreign Exchange transactions.
7
A minimum balance of at least £5 000.00 must be maintained in your FNB Channel Islands Current Account.
3
4
If you maintain a credit balance of at least
options throughout the month, your monthly
account fee will be rebated.
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
3. Spousal pricing option
4. High Touch Banking pricing option
Your spouse8 will pay a single discounted monthly
Note: the Spousal pricing option is only applicable
This pricing option allows you to pay a single fee
account fee for an all-inclusive bundle of
to individuals, joint accounts do not apply.
across your portfolio of accounts, excluding your
9
credit card and business accounts.
transactional products, which gives them all the
benefits of the Bundled pricing option including the
monthly fees for their:
• Private Wealth Cheque Account or
Structured/Single Facility
If your spouse maintains a credit balance of at
For a negotiable monthly account fee, you will
least R100 000.00 on the Spousal pricing option
receive unlimited banking transactions across our
throughout the month, their monthly account fee
electronic channels on your portfolio of cheque
will be rebated.
accounts which are on the High Touch Banking
• Private Wealth Credit Card
pricing option. Refer to the Unlimited pricing option
• Overdraft
in the table to follow for applicable fees excluding
• Up to five free additional credit cards
ATM deposits, branch, manual transactions and
• Up to five free linked Petro Cards
penalty fees (which will attract standard
10
Pay-As-You-Use fees).
• Securities Online Trading Account
• Securities Global Trading Accoun
11
Please be advised that the High Touch Banking
• Global Account12
• FNB Channel Islands Current Account
13
Only one spouse per main account holder.
The Spousal account must be linked to a main account or standard pricing will apply.
10
Refer to terms and conditions of credit agreement.
11
Only applicable to Non-Discretionary Securities Global Trading Accounts.
12
Fees are applicable to Foreign Exchange transactions.
13
A minimum balance of at least £5 000.00 must be maintained in your FNB Channel Islands Current Account.
8
9
pricing option has been discontinued.
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Fees applicable on your cheque account for the
Pricing option
Unlimited
Bundled
Spousal
Unlimited, Bundled and Spousal pricing options
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
–
Monthly credit service fee
R68.40
Rebate on monthly credit service fee18
R38.40
Card purchases19
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
Cheque Account or
Structured/Single Facility
Credit Card
Overdraft fee14
Securities Online Trading Account
Securities Global Trading Account15
Global Account16
FNB Channel Islands Current Account17
R68.40
Refer to terms and conditions of credit agreement.
Only applicable to Non-Discretionary Securities Global Trading Accounts.
16
Fees are applicable to Foreign Exchange transactions.
17
A minimum balance of at least £5 000.00 must be maintained in your FNB Channel Islands Current Account.
18
Refer to terms and conditions of credit agreement.
19
International currency commission and conversion fee of 2.75% of the transaction value applies.
14
15
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Fees applicable on your cheque account for the
Pricing option
Unlimited
Unlimited, Bundled and Spousal pricing options
Debit orders (internal and external)
Free
Cash@Till™ withdrawals
Free
FNB ATM withdrawals
Free
Other banks’ ATM withdrawals (local
and international)19
Free
FNB ATM cash deposits20
Free up to
R10 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 payment21
Device dependent
Bundled
Free up to R20 000.00
One Account
Monthly account fee22
R383.40
Once-off initiation fee (for new accounts only)23
R5 985.00
International currency commission and conversion fee of 2.75% of the transaction value applies.
Not applicable to the High Touch Banking pricing option.
21
Only applies if you have taken up an FNB smartphone/tablet/laptop offer.
22
Monthly account fees effective from 1 July 2016.
23
New One Account agreements granted from 1 July 2016.
19
20
Spousal
R487.40
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Other free transactions on your
Transaction description
FNB ATM, Cellphone Banking, Telephone Banking (IVR) and FNB Banking App
cheque account
The transactions in the table to follow are included
Detail
Balance enquiries
in your monthly account fee:
Point of sale (local and international)
Other banks’ ATMs
FNB branch and Telephone Banking (consultant assisted)
Official monthly email statement
Cellphone Banking mini-statement
Statements
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)
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Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Transaction description
Other free transactions on your
Detail
LOTTO/PowerBall purchases24
cheque account
Cardless cash withdrawals
Transactions not mentioned, or in excess of these
Pay & Clear Now
limits, will be charged at Pay-As-You-Use rates.
Other banks’ ATM withdrawals
Additional online statements (daily, weekly, twice monthly)
My Limit Alert subscription
Value-added
services fees
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)
LOTTO purchases are excluded from the Islamic Cheque Account.
24
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Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
5. Pay-As-You-Use (PAYU) pricing option
On this pricing option, you are charged for each
transaction at the applicable fee.
Excluded transactions
Transaction description
Fee
Monthly account fee
R108.00
Monthly credit service fee
R68.40
Rebate on monthly credit service fee25
R38.40
Monthly petrol card fee (linked to your Private Wealth Cheque Account)
R16.50
Monthly device payment26
Device dependent
Subscription to inContact, Online Banking, Cellphone Banking, Telephone Banking
and FNB Banking App
Free
Transaction description
Fee
Purchases
The following transactions will be charged for in
Card purchases
addition to your monthly account fees:
Card purchases27
Free
Petrol card fuel purchases
R5.00
Refer to terms and conditions of credit agreement.
Only applies if you have taken up an FNB smartphone/tablet/laptop offer.
27
International currency commission and conversion fee of 2.75% of the transaction value applie
25
26
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Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Excluded transactions
Transaction description
Fee
Prepaid airtime and electricity purchases
The following transactions will be charged for in
addition to your monthly account fees:
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
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Excluded transactions
Transaction description
Fee
Payments
The following transactions will be charged for in
addition to your monthly account fees:
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
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Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Transaction description
Excluded transactions
Fee
Balance alerts (per month)
The following transactions will be charged for in
addition to your monthly account fees:
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 withdrawals28
R60.00
FNB branch/cheque
R60.00 + R1.85
per R100.00
International branch28
R60.00 + R1.85
per R100.00
Deposits
Cash deposits
FNB ATM
R0.80 per R100.00
FNB branch
R1.85 per R100.00
(min R60.00)
International currency commission and conversion fee of 2.75% of the transaction value applies.
28
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Excluded transactions
Transaction description
Fee
Cheque deposits
The following transactions will be charged for in
addition to your monthly account fees:
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
Other banks’ ATMs
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
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Excluded transactions
Transaction description
Fee
Statements
The following transactions will be charged for in
addition to your monthly account fees:
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
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Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Transaction description
Excluded transactions
Fee
Credit-related fees
The following transactions will be charged for in
Revolving loans
addition to your monthly account fees:
NCA clients
Monthly service fee
R68.40
Value-added services fees
LOTTO/PowerBall purchases, prepaid Pay TV, iTunes, traffic fines29
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
LOTTO purchases are excluded from the Islamic Cheque Account.
29
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Excluded transactions
Transaction description
Fee
Other fees
The following transactions will be charged for in
addition to your monthly account 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
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
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
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Structured/Single Facility lending fees
Early termination fees
A fixed rate breakage fee is charged when a fixed rate is cancelled prior to expiry
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.
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
R2 500.00
Performance guarantees
1.7% p.a. of value
of guarantee
issued annually
(min R2 500.00)
Once-off performance guarantees (if client uses own funds to issue the guarantee)
R2 500.00
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Private Wealth Credit Card
Free subscription to our
Your Private Wealth Credit Card is an ideal
secure and innovative
transactional banking tool that offers you flexibility in
Earning more
self-service electronic
eBucks when
channels (Online
shopping using
Banking, Cellphone
your Private
Banking and the FNB
Wealth Credit Card.
Banking App) that allow
Up to five free
Remember every
you to bank anywhere
interest free
linked Petro Cards
swipe is free
and everywhere
Free credit
Up to five
Free eBucks
Free lost card
Free protection
Enhanced in-store
card swipes
free additional
linkage
protection and PIN
against fraud with
security with
replacement
Online Secure
Visa’s Chip & PIN
terms of pricing, as well as exclusive benefits that are
suited to your lifestyle.
Benefit from:
Up to 55 days
credit cards
technology
Terms, conditions and rules apply.
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Important information
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Private Wealth Credit Card
Your Private Wealth Credit Card fees are segmented
in the table to follow.
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)30
Free
Petro Card fee (linked to your Private Wealth Credit Card)30
Free
Once-off initiation fee (for new accounts only)
R165.00
Transaction description
Free transactions
Fees
The transactions in the table to follow are free on
Credit card monthly rewards fee
the Standalone and Bundled Credit Card options.
Card purchases
Credit card purchases31
Credit card budget purchases31
Linked account transfers and account payments
IVR Smart Transfer to FNB
Limited 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.
International currency commission and conversion fee of 2.75% of the transaction value applies.
30
31
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Free transactions
Transaction description
Balance enquiries
The transactions in the table to follow are free on
the Standalone and Bundled Credit Card options.
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
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Transaction description
Excluded transactions
Standalone Credit Card
Purchases
The following transactions will be charged for in
Fuel transaction fee (Petro Card only)
addition to your Standalone Credit Card monthly
R5.00
Linked account transfers and account payments
account fees and/or Bundled fees:
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
FNB ATM
R1.85 per R100.00
Other banks’ ATMs
R7.00 + FNB ATM fee
FNB branch
R60.00 + R1.85 per R100.00
International ATM/branch32
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
International currency commission and conversion fee of 2.75% of the transaction value applies. This fee is subject to exchange rate fluctuations
and may be reviewed quarterly. Some international ATMs charge an additional surcharge.
32
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Important information
Contact us
Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Excluded transactions
Transaction description
Standalone Credit Card
Cash deposits
The following transactions will be charged for in
addition to your Standalone Credit Card monthly
account fees and/or Bundled fees:
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
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Important information
Contact us
Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Transaction description
Excluded transactions
Standalone Credit Card
Value-added services fees
The following transactions will be charged for in
addition to your Standalone Credit Card monthly
account fees and/or Bundled fees:
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 purchases33
R2.20
Send money to eWallet
R20.00 – R3 000.00
R9.95
Reversal of incorrect ’Send money to eWallet’ transaction
R50.00
LOTTO purchases are excluded from the Islamic Cheque Account.
33
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eB
eBucks Rewards and benefits
Important information
Contact us
Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
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.
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
your Global Account
• Collect additional eBucks Rewards points for
currency balances held in your Global Account34
• The funds that you have been saving in your
Global Account may now fund a Multi-currency
• No monthly fees
Cash PassportTM (prepaid travel card) for
• Make payments abroad and transfers between
globetrotting, all of which may be facilitated via
your accounts via Online Banking
34
Subject to standard eBucks earn rules.
Terms, conditions and rules apply.
• Earnings from abroad can be paid directly into
our Online Banking platform
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Travelling abroad
• Using the global SWIFT system, funds can be
• With Online Banking you can now order cash in
• Did you know we can deliver your Foreign Exchange
the currency of the country you are travelling
to you for free? Simply select delivery when you
sent to or from your account from anywhere
to, as well as a Multi-currency Cash Passport
order Foreign Exchange online or if you prefer, you
in the world securely and quickly. Global
(prepaid travel card) in any of the four major
can collect from your nearest FNB branch
Payments are traceable from the time they
TM
leave your account
currencies available on the card: US Dollars,
• Make person-to-person payments within
Australian Dollars, Euros or Pounds
10 minutes to individuals abroad who don’t
• Top up your funds by reloading your existing
Multi-currency Cash PassportTM online before you
have bank accounts with MoneyGramTM from
go, and you can even top up while travelling
FNB. MoneyGramTM is available in more than
• Pay in advance for your travel arrangements
International payments made easy
• FNB’s Top-up Service with PayPalTM allows you
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
• Make Global Payments for gifts, tuition,
investments and more
• Save beneficiaries and upload documents online,
making it easier for you to make Global Payments
Terms, conditions and rules apply.
200 countries worldwide
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
anywhere, anytime via Online Banking or the FNB
Africans to withdraw funds from a PayPalTM account
Banking App on your smartphone
to any South African bank account
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Contact us
Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Get rewarded
Earn up to
back in eBucks on your transaction charges when you send or receive
50%
foreign currency payments online or via the FNB Banking App on
your smartphone34
back in eBucks on your transaction charges when receiving foreign currency
50%
payments regularly by authorising FNB to convert these funds on your
behalf with a standing instruction, through FNB Foreign Exchange34
For more information on our Foreign Exchange solutions, contact the
Foreign Exchange Advisory Team on 0860 4 FOREX (36739)
or visit
34
Subject to standard eBucks earn rules.
Terms, conditions and rules apply.
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Important information
Contact us
Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Foreign Exchange
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)
Global Receipts (receiving money)
Refer to Global Payments and Receipts (SWIFT) fees below
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
Travel solutions
Online Banking
Call centre/Banker
Branch
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)
Travel products bought from FNB
Multi-currency Cash PassportTM
2.00%
(min R100.00)
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Foreign Exchange
Travel solutions
Online Banking
Call centre/Banker
Branch
1.80%
(min R60.00)
1.90%
(min R80.00)
2.00%
(min R110.00)
1.85%
(min R75.00)
2.00%
(min R100.00)
Foreign notes
Commission
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
-
Foreign notes
Commission
-
2.00%
(min R110.00)
CMA notes (Lesotho, Namibia, Swaziland)
Commission
-
3.20%
(min R110.00)
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Important information
Contact us
Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
International payment solutions
Foreign Exchange
Online Banking/App
Call centre
Branch/Banker
Commission35
0.52%
(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 Payments and Receipts (SWIFT)
Global Payments (sending money)
Global Receipts (receiving money)
Commission35
0.54% (min R150.00, max R700.00)
-
Low-value Global Receipt in foreign currency
Value of Global Receipt
R0.00 – R499.99
R50.00
-
R500.00 – R999.99
R100.00
-
R0.00 – R499.99
R50.00
-
R500.00 – R999.99
R100.00
-
R1 000.00 – R1 499.99
R150.00
-
Low-value Global Receipt in ZAR
Value of Global Receipt
An additional fee of R140.00 will be charged if a payment is sent abroad or received from abroad in Rand.
35
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Important information
Contact us
Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Foreign Exchange
International payment solutions
Online Banking/App
Call centre
Branch/Banker
Low-value Global Receipt in ZAR
Value of Global Receipt
R1 500.00 – R1 999.99
R200.00
-
R2 000.00 – R2 499.99
R250.00
-
Global Receipts received for pension purposes
Value of Global Receipt
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
-
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
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Important information
Contact us
Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Foreign Exchange
International payment solutions
All channels (Branch/ATM/Cellphone Banking)
MoneyGramTM
Send amount (USD)
Fee
$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
$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
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Important information
Contact us
Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Foreign Exchange
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
-
PayPalTM
Top up your PayPalTM account
Commission
1.50%
Withdraw from your PayPalTM account
Commission
1.50%
1.35% (min R250.00, max R1 000.00)
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Private Wealth Business Account
The Private Wealth Business Account is suited
It provides a flexible and simple way to
With your Private Wealth Business Account, you
to sole proprietors, incorporated businesses,
conduct all business transactions and pay for
can choose between the Pay-As-You-Use (PAYU)
partnerships, companies, close corporations,
day-to-day operations.
pricing option or one of our three Single Fee
pricing options.
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
Description
Option 1
Option 2
Option 3
Monthly account fee
R240.00
R350.00
R510.00
Point of sale card
purchases
Unlimited
Unlimited
Unlimited
Transfers and
prepaid purchases
(Online Banking, FNB
Banking App, FNB ATM,
Cellphone Banking)
Unlimited
Unlimited
Unlimited
Electronic debit
transactions36
30 transactions which
include a maximum of
5 FNB ATM withdrawals
50 transactions which
include a maximum of
10 FNB ATM withdrawals
75 transactions which
include a maximum of
10 FNB ATM withdrawals
monthly statement.
Debit 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.
36
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Single Fee pricing options
Note: transactions not mentioned, or in excess
of these limits, will be charged at Private Wealth
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
Unlimited cash deposits
of up to R100 000.00
per month
Unlimited cash deposits
of up to R250 000.00
per month
Out-of-bundle rates should you exceed the specified number of debit transactions
Business Account Pay-As-You-Use rates.
Pay-As-You-Use pricing option
On this pricing option, you are charged for each
FNB ATM withdrawals
and other electronic
debit transactions
(per transaction)36
R18.00
R17.00
R16.00
Cash deposited at FNB
ATM with Deposits only
R3.75 + R0.60 per
R100.00 or part thereof
R3.75 + R0.55 per
R100.00 or part thereof
R3.75 + R0.50 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
transaction at the applicable fee.
Debit 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.
36
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Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Transaction description
Excluded transactions
Fee
Purchases
The following transactions will be charged for in
Prepaid purchases
addition to your monthly account fees:
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)37
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
International currency commission and conversion fee of 2.75% of the transaction value applies.
37
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Important information
Contact us
Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Excluded transactions
Transaction description
Fee
Account payments
The following transactions will be charged for in
addition to your monthly account fees:
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
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Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Excluded transactions
Transaction description
Fee
Deposit books
The following transactions will be charged for in
addition to your monthly account fees:
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
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Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Excluded transactions
Transaction description
Fee
Cash withdrawals
The following transactions will be charged for in
addition to your monthly account fees:
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
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Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Excluded transactions
Transaction description
Fee
Deposits
The following transactions will be charged for in
addition to your monthly account fees:
Cheque deposit at FNB branch (per deposit)
R40.00
Special clearance fee
R106.00
Effects not cleared upliftment fee
R100.00 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
R15 000.00 – R49 999.99
R8.40 + R1.48 per R100.00 or
part thereof
R50 000.00 and greater
R8.40 + R1.25 per R100.00 or
part thereof
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Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Excluded transactions
Transaction description
Fee
Cash deposit fee at FNB Bulk Cash Centres
The following transactions will be charged for in
addition to your monthly account fees:
Value per deposit
(min R40.00)
R0.00 – R4 999.99
R5.00 + R2.59 per R100.00 or
part thereof
R5 000.00 – R14 999.99
R5.00 + R1.77 per R100.00 or
part thereof
R15 000.00 – R49 999.99
R5.00 + R1.47 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
Other banks’ ATMs
R5.00
International Point of sale balance enquiries
R5.00
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Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Excluded transactions
Transaction description
Fee
Statements
The following transactions will be charged for in
addition to your monthly account fees:
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
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Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Transaction description
Excluded transactions
Fee
Card and other related fees
The following transactions will be charged for in
addition to your monthly account 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)38
R68.40
Non-NCA clients
Monthly credit service fee38
38
Where you have used more than R200.00 of your facility.
0.114% of facility (min R68.40,
max R1 197.00)
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Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility
Private Wealth offers you specialist lending
We specialise in providing finance for your dream
For your ease of reference, fees for our product
expertise and services to help you meet your unique
home, holiday home, investment property or rental
range have been segmented in the table to follow.
wealth needs and aspirations. Our range of flexible
portfolio through our range of tailor-made lending
lending products can be shaped to your advantage,
solutions including home loans, structured loans,
taking account of your particular requirements,
securities-based loans and building loans.
desired funding amount and objectives.
Home Loan, Structured Loan, Securities
Based Loan and Single Credit Facility
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
Note: the monthly service fee applicable to your
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
loan will be charged irrespective of the balance
outstanding and will only cease when the credit
advance has been cancelled.
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Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Home Loan, Structured Loan, Securities
Based Loan and Single Credit Facility
New facility
Fee
Once-off initiation fee on mortgage agreements (applies to clients that
fall within the ambit of the NCA)
R5 985.00
Note: the monthly service fee applicable to your
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
loan will be charged irrespective of the balance
outstanding and will only cease when the credit
advance has been cancelled.
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
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Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Home Loan, Structured Loan, Securities
Based Loan and Single Credit Facility
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.
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
R2 500.00
Performance guarantees
1.7% p.a. of value of
guarantee issued annually
(min R2 500.00)
Once-off performance guarantees (if client uses own funds to issue
the guarantee)
R2 500.00
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Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Safe Custody
Safe Custody is a service whereby articles are
The service is available to all FNB clients who have
For more information on the Safe Custody
lodged in sealed envelopes, deed boxes or
an active transactional account.
offering or which branches offer this service,
safe-deposit lockers for safekeeping in selected
contact your Private Banker.
branches for your convenience.
Safe Custody pricing
Sealed envelope
Fee
Monthly fee (including access)
R30.00
Deed box
Fee
Small
Once-off purchase price
R500.00
Monthly fee (including access)
R137.00
Safe-deposit locker
Fee
Small
Refundable key deposit
R1 300.00
Monthly fee (including access)
R110.00
Large
R220.00
Medium
Large
Extra large
R165.00
R220.00
R275.00
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Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility | Safe Custody
Important information
• FNB, a division of FirstRand Bank Ltd, reserves the
• You must apply for each facility or product we
• FNB reserves the right to change the features of any
product or facility at any time
right to change fees or introduce new fees from
describe individually. The grant of any facility or
time to time. If we do this, we will give you at least
product is subject to you meeting, and continuing
• Fees quoted as “per R100.00” include parts thereof
20 business days’ notice of these changes. You’ll
to meet the criteria for that facility or product
• Where Cellphone Banking is referred to, standard
find changes on FNB’s website or FNB ATMs,
and/or on your bank statement
• We strive to keep the information provided in
• 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
the pricing guide as accurate as possible, and we
applicant. If there is disagreement between the
will not be held responsible if an error or omission
product or facility-specific terms and conditions
is found
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
network rates apply
• All fees quoted are VAT-inclusive and are effective
from 1 July 2016 to 30 June 2017
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Standard terminology
Glossary of terms
To comply with Section 13 of the Code of Banking
Practice (COBP) and to assist you in comparing our
Pre NCA
charges with those of other banks, we have used
standardised terminology throughout this guide.
Post NCA
indicating the appropriate standardised
prior to 1 June 2007
Refers to clients with credit agreements concluded
from 1 June 2007
An agreement in terms of which credit is secured by
For instances where we have used FNB-specific
terminology, we have added the table to follow
Refers to clients with credit agreements concluded
Mortgage agreement
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
terminology that may be used by other banks.
A service fee is a fee that a credit provider charges a
Service fee
consumer for servicing a credit agreement between
them. The fee is for administering or maintaining the
credit agreement
The initiation fee is a fee that a credit provider
Initiation fee
charges a consumer for entering into a credit
agreement with that consumer
A service fee charged for each payment honoured
Payment honouring fee
where there is not enough money in your
transactional account
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Contact us
24/7
contact your
visit
call the Private Wealth Service Suite
Private Banker
for more information
on 087 730 6000 (local)
or +27 11 245 5080 (international)
BANKING I LENDING I WEALTH MANAGEMENT I INVESTMENTS I STOCKBROKING I FIDUCIARY SERVICES