When my family’s financial
goals changed, I got help with
the right solutions and advice
from FNB.
Helping you and your family
reach your financial goals
with SA’s Best Value and
leading financial rewards*
FNB Premier
Annual Pricing Guide
1 July 2022 - 30 June 2023
See more
*FNB Fusion Premier was named SA’s best value account in the 2022 Solidarity Bank Charges Report
Terms, Rules and conditions apply.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Introduction
Get the best value
eBucks
Product overview
Do more and get more
Credit card
Choose FNB Fusion Premier for only R230
and enjoy SA’s best value for you and your family,
with the help of credit at a single monthly account
fee with the FNB Fusion account.
The FNB Fusion account gives you simplified everyday
banking with a linked credit facility to help you manage
unexpected expenses. PLUS 50% discount on your
spouse’s/partner’s monthly account fee and ZERO
monthly account fees for your children under 25.
FNB Global Account
Bank charges
Home Finance
Invest
With SA’s best financial rewards, you get up to R8 back
per litre at Engen, 8 SLOW Lounge visits, earn and spend
eBucks at iStore, Checkers and Clicks, 40% back in
eBucks life insurance, 40% on Spotify and Netflix
subscriptions for family. Access more value with
Important information
Udemy course for only R50 activation fee per course,
Contact us
GuardMe powered by Aura, weekly coffee rewards from
Starbucks and eBucks games. You also get FNB Connect
Data, Voice Minutes and SMSs every month on your FNB
Connect SIM Card. Enjoy personalised interest rates on
credit solutions, including car and home.
Terms, conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Introduction
Get the best value
Get the best value for you and your family
We are continuously looking to find valuable solutions for you and your family and therefore
have included even more value to the FNB Premier banking offering. You will have access to
the following benefits included in your monthly account fee.
eBucks
Product overview
Do more and get more
Fees
Family
•
FNB Fusion Premier Account has the lowest monthly
fee for a transactional account with a linked credit
facility that offers up to 30 days interest-free on
card purchases
•
50% discount on your spouse’s or partner’s monthly
account fee (R115 per month for FNB Fusion Premier or
R120 for FNB Premier Current Account)
•
No increase in the monthly account fee on your FNB
Premier Credit Card with a credit facility that offers
up to 55 days interest free on credit card purchases
•
No monthly account fee for FNB Youth Accounts for children
under the age of 25
•
Get up to 40%** off selected flights for you and your family
with eBucks Travel
•
Access to SLOW Domestic Lounge** with up to 8
complimentary entries per annum
•
Unlock up to 12 bonus SLOW Lounge visits per annum*
when you book a flight with eBucks Travel
•
Up to 40% back in eBucks on your video streaming (Netflix)
and music streaming (Spotify®) subscriptions when your
family banks with FNB
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Contact us
•
Get an FNB Premier credit card included on the
bundle pricing option, with a budget facility of
between 6 and 60 months, interest rate of prime or
prime +2%* on emergency medical transactions and
from partners such as iStore, The Pro Shop, Cycle Lab
and KOODOO.co.za
Terms, conditions and earn rules apply. Certain benefits are dependent on your account and eBucks rewards level.
*Discount excludes taxes
**Only applies if you and your spouse/partner are verified as a family and you both have an FNB Fusion Premier Account or FNB Premier Current Account AND your
spouse/partner are on the Spousal pricing option OR you have an active FNB Account linked to your profile (only applicable to children under 18 years of age
Visit www.ebucks.com or click on the eBucks link on the FNB App to read about the rewards criteria.
Terms, Rules and conditions apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Get the best value for you and your family
(continued)
Introduction
Get the best value
eBucks
•
A linked savings account that earns
you a competitive interest rate
•
No charge on eBucks membership
to earn rewards that never expire
•
Save while you spend with FNB Bank
Your Change®. We round up your
card purchase value and transfer
the difference from the purchase
amount to your savings account
•
Pay no monthly fees on your taxfree cash deposit or tax-free shares
account and pay no admin fees on
your tax-free unit trust account
•
•
Two FNB Send Money transactions
per billing cycle via the App at
no charge
Save towards your retirement and
pay no monthly (platform) fees on
your retirement annuity
•
Protect your retirement funds and
pay no monthly (platform) fees on
your preservation fund
•
Financial advice session
(telephonic) at no extra charge
•
Invest for the long term and pay no
monthly (platform) fees on your
FNB Personal Share Portfolio
•
Will drafting at no extra charge
Product overview
Do more and get more
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Contact us
Help
Added value
•
Get rewarded up to 1GB data, 30
voice minutes and 30 SMSs every
month1 on your FNB Connect
SIM when you qualify for eBucks
Rewards. Plus get rewarded with
up to 1GB extra data every month
when you spend* R100 or more
on your FNB Connect SIM card and
qualify for eBucks Rewards at the
time that you spend
•
Access a team of Premier Advisors
and get integrated financial advice
to support you on your financial
journey powered by innovative
platforms and rewards to help
you reach your financial goals by
understanding your needs
•
A team of bankers available 24/7
via Secure Chat® on the FNB App
to help you manage your money,
and give you guidance on making
the most out of being with FNB
Premier - applying for a home
loan or vehicle and asset finance
through WesBank and more
*Spend is defined as all purchases and/or fees charged to the customers FNB Connect SIM card account, namely, SIM card subscription fees, recharge fees and purchases, SIM and Connection
fees, Call Line Identify (CLI) fees and itemised billing fees. All Prepaid, Top Up and Post-Paid Plans (including To Up Go) that are in use and that were sold with smartphone devices, there device
bundle subscription is included in the spend calculation. All device purchases and/or fees charged to the customers that relate to a device only are excluded and all penalty fees are excluded
from this spend calculation. Please be advised that extra data rewards are subject to successful debit orders checks and there may be an allocation delay based on debit order processing.
1
Please visit fnb.co.za/fnb-connect for more information. Simply order your SIM card on the FNB App today! Or visit your nearest branch.
New customers need to ensure they have a network active FNB Connect SIM card, FNB Transactional Accounts in good standing and FNB Connect Accounts in good standing each month, for 2
months, there after they need to ensure they qualify for eBucks.
Terms, Rules and conditions apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
eBucks rewards
Introduction
Get the best value
eBucks
Product overview
Do more and get more
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Contact us
eBucks rewards
eBucks rewards is about helping
you stretch your spend every
month. By offering real value
and benefits, you’re able to use
eBucks to buy fuel, groceries,
clothes, holidays and so
much more.
FNB Premier
Annual Pricing Guide 2022-2023
eBucks rewards
Introduction
As an FNB Premier Account holder, you could also be rewarded with these exciting benefits.
Get the best value
eBucks
Product overview
Do more and get more
Even more ways to earn
New reward partners
•
Earn up to R900 back in eBucks every month when you
spend at Checkers/ Shoprite, Clicks and Engen
•
•
Plus earn up to R600 back in eBucks with smart spend
when you use your FNB Premier card for all your
monthly spend
Udemy: Enroll for up to 2 Udemy courses per month and
a total of 6 courses per year. For only R50 activation fee
per course
•
eBucks Games: Enjoy uninterrupted play with ad-free
mobile gaming and no subscription fees
•
Earn additional eBucks with smart spend when you use
your FNB Fusion Premier Card, FNB Premier Credit Card,
FNB Premier Debit card or FNB Pay for your
monthly spend
•
GuardMe: Get the first 3 months at no cost. Protect
your family from R19.90 per month, thereafter get up to
100% of your subscription fees back in eBucks monthly
•
Starbucks: Use your FNB Virtual Card, FNB pay or
partner wallet for any purchase, 5 times a week and get a
complimentary tall cappuccino every week
•
eBucks Travel: Explore the world with up to 40% off
flights and great benefits including complimentary SLOW
Lounge visits
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Contact us
Terms, Rules and conditions apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
eBucks rewards
(continued)
Introduction
Get the best value
eBucks
Product overview
Connect
Bonus SLOW Lounge Visits
•
Get rewarded with up to 1GB data, 30 voice minutes and
30 SMSs every month on your FNB Connect SIM when
you qualify for eBucks Rewards
•
•
Plus get up to 1GB extra data when you spend* R100 or
more on your FNB Connect SIM each month and qualify
for eBucks at the time you meet your spend minimum
•
Plus Seniors 60 years of age and above will receive
1GB of extra data every month on your FNB Connect
SIM Card when you meet the minimum spend* of R100
and qualify for eBucks at the time you meet the spend*
minimum
•
Plus Customers that do not qualify for eBucks will get
200MB of extra data each month on their FNB Connect
SIM Card when they meet the minimum spend* of R100
(max 3 allocations)
Do more and get more
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Enjoy up to 12 bonus complimentary Domestic
and International SLOW Lounge visits per year,
when you book your flight through eBucks Travel
Important information
Contact us
Track your eBucks earn, spend and benefits conveniently on the FNB App under the eBucks tab.
View ‘Earn more eBucks’ and ‘Track my rewards’ to learn how you can maximise your rewards.
*Spend is defined as all purchases and/or fees charged to the customers FNB Connect SIM card account, namely, SIM card subscription fees, recharge fees and purchases, SIM and Connection fees, Call Line Identify (CLI) fees and
itemised billing fees. All Prepaid, Top Up and Post-Paid Plans (including To Up Go) that are in use and that were sold with smartphone devices, there device bundle subscription is included in the spend calculation.
All device purchases and/or fees charged to the customers that relate to a device only are excluded and all penalty fees are excluded from this spend calculation. Please be advised that extra data rewards are subject to successful debit
orders checks and there may be an allocation delay based on debit order processing.
Terms, Rules and conditions apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Introduction
Get the best value
eBucks rewards
(continued)
Earn up to 100% of your monthly FNB Fusion Premier Account or
FNB Premier Current Account fee back in eBucks when you invest with FNB
eBucks
Product overview
Do more and get more
Credit card
FNB Global Account
Bank charges
Maintain investment balances
Invest in qualifying accounts
Maintain an overall minimum saving and investment
account balance of R500 000. Of this, a minimum of
R50 000 must be invested in qualifying FNB Wealth
and Investments solutions (stipulated accounts and funds).
The remaining funds must be invested in qualifying cash
investment solutions (stipulated accounts). If you have a
qualifying FNB Islamic Premier Current Account, you need
to have a minimum of R500 000 invested in an
FNB Savings and Investment Account(s).
FNB Cash investments
•
FNB Cash Investments
•
Any cash investment solution
•
FNB Channel Islands Open any 12, 18, 24 or 36 month fixed
deposit account in GBP, USD or EURs
Wealth and Investments
Home Finance
•
Living annuity
Invest
•
Pension and provident preservation funds
•
Segregated portfolios: Fully managed and tailored to client need:
•
FNB Retirement Annuity Endowment
•
FNB Tax-free Unit Trust
•
FNB Investment Account
•
FNB Tax-free Shares
Important information
Contact us
Terms, Rules and conditions apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
eBucks rewards
(continued)
Introduction
Get the best value
eBucks
Product overview
Invest in
qualifying
funds and
solutions
Do more and get more
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Contact us
Funds wealth
and investments
FNB Local
segregated
portfolios
FNB Horizon
unit trust
FNB Global
segregated
portfolio
FNB Wealth
segregated
portfolio
Equity portfolio
Income fund
Global Leaders Portfolio (USD)
Wealth stable ETF
Balanced portfolio
Stable fund
Global Equity Income Portfolio (USD)
Wealth moderate ETF
Dividend income portfolio
Moderate fund
Global Equity Growth Portfolio (USD)
Wealth growth ETF
Islamic portfolio
Growth fund
FNB ETF Cautious Portfolio (USD)
Wealth stable portfolio
Growth plus fund
(closed to new business)
FNB ETF Balanced Portfolio (USD)
Wealth stable portfolio
FNB Islamic
Balanced fund
FNB ETF Growth Portfolio (USD)
Wealth growth portfolio
Terms, Rules and conditions apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
eBucks rewards
(continued)
Introduction
Get the best value
Maintain eBucks reward level points
eBucks
Your monthly transactional account fee refund will be based on your eBucks rewards level.
Product overview
Do more and get more
Credit card
FNB Global Account
Reward level
Refund
0%
10%
25%
50%
75%
100%
Level 0
Level 1
Level 2
Level 3
Level 4
Level 5
Bank charges
Home Finance
Invest
Important information
Contact us
Terms, Rules and conditions apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
For example: if you are an FNB Premier client
(who is on reward level 5) and have an FNB Money
Maximiser Account with R450 000 invested and an
FNB Retirement Annuity with R50 000 invested
(total investment is R500 000), you will get 100% of
your monthly transactional account fee back in eBucks.
FNB Premier
Annual Pricing Guide 2022-2023
eBucks rewards
(continued)
Introduction
Get the best value
eBucks
Product overview
Do more and get more
Credit card
Get rewarded up to 1GB data, 30 voice minutes and 30 SMSs every month on your FNB Connect
SIM when you qualify for eBucks Rewards. Plus get rewarded with up to 1GB extra data every month
when you spend* R100 or more on your FNB Connect SIM card and qualify for eBucks Rewards
at the time that you spend.
To qualify for monthly rewards you must:
To qualify for extra data:
•
•
•
Have an active FNB Connect SIM Card
Qualify for eBucks Rewards
•
FNB Global Account
•
Bank charges
Home Finance
Invest
Important information
Contact us
Spend* R100 or more on your FNB Connect SIM each month
and qualify for eBucks at the time you meet your spend minimum
Seniors 60 years of age and above will receive 1GB Extra every month on
your FNB Connect SIM Card when you meet the minimum spend* of R100
and qualify for eBucks at the time you meet the spend* minimum
Customers that do not qualify for eBucks will get 200MB of extra data
each month on their FNB Connect SIM Card when they meet the minimum
spend of R100 (max 3 allocations)
If you join FNB on or after 1 July 2022:
To welcome you to FNB Connect, you will receive a once-off 1GB data, 30 voice minutes and
30 SMSs within 5 business days of activating your FNB Connect SIM card.
As long as you:
•
•
•
Have an active FNB Connect SIM Card.
All FirstRand Bank accounts are active and in good standing
Plus you will qualify for 1GB data, 30 voice minutes and 30 SMS’s for the first two months
by meeting the following criteria ie Have an active FNB Connect SIM Card and ensure all
FirstRand Bank accounts are active and in good standing. Thereafter, you will need to have
a network active FNB Connect SIM Card and qualify for eBucks in order to get your FNB
Connect reward every month
*Spend is defined as all purchases and/or fees charged to the customers FNB Connect SIM card account, namely, SIM card subscription fees, recharge fees and purchases, SIM and Connection fees, Call
Line Identify (CLI) fees and itemised billing fees. All Prepaid, Top Up and Post-Paid Plans (including To Up Go) that are in use and that were sold with smartphone devices, there device bundle subscription is
included in the spend calculation. All device purchases and/or fees charged to the customers that relate to a device only are excluded and all penalty fees are excluded from this spend calculation. Please be
advised that extra data rewards are subject to successful debit orders checks and there may be an allocation delay based on debit order processing.
Terms, Rules and conditions apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
eBucks rewards
(continued)
Introduction
Get the best value
Get rewarded up to 2GB data, 30 voice minutes and 30 SMSs every month on your FNB Connect SIM.
eBucks
Have an active FNB Connect SIM Card Qualify for eBucks Rewards
Product overview
Do more and get more
Credit card
FNB Global Account
Bank charges
Reward Level
Monthly Voice Reward (min)
Monthly Data Reward Monthly SMS Reward Plus an Extra data Reward when you spend* R100
1
30
200MB
30
200MB
2
30
400MB
30
400MB
3
30
600MB
30
600MB
4
30
800MB
30
800MB
5
30
1GB
30
1GB
Home Finance
Invest
Activation
Reward
New FNB Customer
Monthly
Reward
(qualified for eBucks)
Extra Data Reward
Seniors (customers
Extra Data Reward
Free voice (min)
30
30
30
N/A
N/A
N/A
Free data (MB)
1 000
1 000
Based on eB Reward level
Based on eB Reward level
1 000
200
Free SMSs
30
30
30
N/A
N/A
N/A
Important information
Contact us
whom join after 01 July
2022 (max 2 allocations)
60 years of age and
above)
(did not qualify for eBucks
- max 3 allocations)
*Spend is defined as all purchases and/or fees charged to the customers FNB Connect SIM card account, namely, SIM card subscription fees, recharge fees and purchases, SIM and Connection fees, Call Line Identify (CLI) fees and itemised
billing fees. All Prepaid, Top Up and Post-Paid Plans (including To Up Go) that are in use and that were sold with smartphone devices, there device bundle subscription is included in the spend calculation.
All device purchases and/or fees charged to the customers that relate to a device only are excluded and all penalty fees are excluded from this spend calculation. Please be advised that extra data rewards are subject to successful debit
orders checks and there may be an allocation delay based on debit order processing.
This is not meant to be a comprehensive guide to the eBucks Rewards Programme earn rules. Please visit eBucks.com for the complete earn rules.
Terms, Rules and conditions apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Whatever your needs, we have the solution for you
Annual Pricing Guide 2022-2023
A fully functional transactional account with a linked credit card that allows you to:
Introduction
Access a team of Premier Advisors and get integrated financial advice to support you on your financial journey. With a team of
bankers available 24/7 to help you manage your money plus innovative digital banking solutions with our award winning app.
Get the best value
eBucks
Product overview
Do more and get more
Credit card
FNB Global Account
R230p.m.
FNB Fusion Premier Account
R240p.m.
FNB Premier Current Account
R115/120p.m.
FNB Fusion Premier/Current Account
Bank charges
Home Finance
Invest
Important information
Contact us
• Your spouse/partner gets 50% off their monthly account
fee to have the same account as you - regardless of their
income. Plus, your kids get FNBy and FNBy Next Accounts
at no extra cost
• Switch your credit to us and save on your home, car
or personal loan repayments
• Up to 30 days interest free on FNB Fusion card purchases
• Start investing with FNB Money Maximiser*, FNB Share
Zero and FNB Global Account - included in your Premier
package at no extra costs
• Guard Me, Udemy, Starbucks and eBucks games
• Earn up to R8 per litre back in eBucks per quarter at Engen
when your vehicle is financed through WesBank
• Your spouse/partner gets 50% off their monthly account
fee to have the same account as you - regardless of their
income. Plus, your kids get FNBy and FNBy Next Accounts
at no extra cost
• Switch your credit to us and save on your home, car or
personal loan repayments
• Start investing with FNB Money Maximiser, FNB Share
Zero and FNB Global Account - included in your Premier
package at no extra costs
• Guard Me, Udemy, Starbucks and eBucks games up to R8
back in eBucks on fuel from participating Engens
• The FNB Premier Current and FNB Fusion Premier Accounts
for your spouse or partner, offers your spouse or partner
a discounted monthly account fee and a complete
day-to- day banking product suite, as well as additional
transactions.
We are also proud to offer you an FNB Islamic Premier Account, with similar value-adds, reward benefits and pricing as an FNB Premier Account. With Islamic Banking, you earn a
competitive monthly profit share on your linked Islamic Savings Account. For more information, contact the Islamic Banking Suite on 087 578 6786.
Please note: We have replaced the fee waiver you previously received for meeting certain investment criteria with a monthly eBucks Reward.
Visit www.ebucks.com or click on the eBucks link on the FNB App to read about the rewards criteria.
With Islamic Banking, you earn a competitive monthly profit share on your linked Islamic Savings Account. For more information, contact the Islamic Banking Suite on 087 578 6786.
Terms, Rules and conditions apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Product comparison with an FNB Premier Account
Introduction
Get the best value
eBucks
Product overview
Monthly account fee
Do more and get more
Bank charges
Home Finance
Invest
Important information
Contact us
FNB Premier
Current Account
Premier Current Account
for your spouse or
partner
Premier PAYU9
R230
R240
R115/R1204
R55
FNB Fusion Premier Account/Current Account
Premier credit card account
Credit card
FNB Global Account
FNB Fusion
Premier Account
Credit card facility service fee
1 additional credit card (linked to your FNB Premier Credit Card)
Products included
in your discounted
monthly fee
Access to unlimited FNB Virtual Cards at no extra cost – ideal for online shopping with added safety because its dynamic 3-digit CVV changes hourly
Savings account with FNB Bank Your Change®
FNB Global Account5
2 send money transactions per billing cycle via the FNB App8
FNB Connect added value: up to 2GB data, 30 voice minutes and 30 SMSs on your FNB Connect SIM card every month.7
No fee charge on withdrawals up to R4000 per billing cycle. This includes withdrawals made using Cash@Till®,
cardless cash withdrawals and at FNB ATMs8
No fee charge on FNB ATM deposits up to R4000 per billing cycle8
All international transactions displayed in this pricing guide will incur a 2% currency conversion.
Terms, conditions and earn rules apply. Certain benefits are dependent on your account and eBucks rewards level.
4
Available on both the FNB Fusion Premier Account and the FNB Premier Current Account
5
Fees are applicable to Foreign Exchange transactions. You may also be charged an annual card fee
7
Please visit fnb.co.za/fnb-connect for more information. Simply collect a Connect SIM card from your nearest branch. Account must be in good standing. Good standing means it’s not overdrawn,
in arrears or in default, and you are not undergoing sequestration or any legal process.
8
Per account billing cycle.
9
Not available to new sales
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Introduction
Get the best value
eBucks
Product overview
Do more and get more
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Contact us
Do more and get more
FNB Premier
Annual Pricing Guide 2022-2023
Do more and get more with an FNB Premier Account
Introduction
Get the best value
eBucks
Product overview
Digital Banking
•
•
Withdraw cash at Shoprite and Checkers, Pick n Pay, Boxer
Superstores and selected Spar and Usave tills
•
Additional protection from unauthorised online transactions
with online secure, giving you a One Time PIN (OTP) to protect
your card’s exclusivity
•
The ability to make convenient and secure payments with your
contactless card and FNB Pay
•
The opportunity to purchase FNB’s Lifestyle Protection, providing
lifestyle cover for your loved ones in the event of your death
•
Cancel and replace your card via the FNB App
•
No charge on card swipes when you use your FNB Fusion
Premier, Debit or credit card to pay
•
No charge on subscription to inContact. This means we’ll
notify you every time more than R100 goes out of –
or into – your account
•
No charge on third party payment notifications
•
No charge on subscription to the FNB App and online banking.
Do more and get more
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Contact us
A team of premier bankers to help you manage your money
24/7 plus innovative digital banking solutions with our
award-winning app
Terms, Rules and conditions apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
•
No charge on balance enquiries using the FNB App or
online banking.
•
No charge on monthly electronic statements accessed via FNB
Online Banking or FNB App
•
No charge on lost card protection and PIN replacement
•
No charge on auto payment, offering you the convenience of
having your accounts paid on time each month
•
Automatic debt protection to settle your outstanding credit card
debt in the event of death or permanent disability at no extra
charge. Sign up for FNB’s Top-up Debt Protection Plan,
for which there is a charge
FNB Premier
Annual Pricing Guide 2022-2023
Do more and get more with an FNB Premier Account
(continued)
Introduction
Get the best value
Borrow
eBucks
FNB Fusion Premier Account credit facility
Overdraft
•
Full day-to-day banking capability, allowing for salary deposits,
point-of-sale purchases, ATM withdrawals, EFTs, debit orders, etc
•
•
Personalised interest rates
As a FNB Premier Current Account holder, you have access to
credit in the form of an overdraft facility without having to pay
initiation fees
•
No initiation fee
•
You only pay for your facility when you use it
Credit card
•
Only pay for the facility when you use it
•
FNB Global Account
•
Up to 30 days interest free on FNB Fusion Card purchases
•
A single credit limit to maintain
Your overdraft facility is a convenient credit facility that helps
you prepare for monthly cash flow shortages with a personalised
interest rate based on your individual credit profile. You also have
the option of taking up debt protection
•
The ability to earn maximum rewards by only using one card
Home Finance
•
One card, one delivery, one account to manage all your
banking needs
Invest
•
FNB Global Travel Insurance when you purchase your local or
international return travel ticket(s)
•
Unlock a bonus SLOW Lounge visit when you book a flight with
eBucks Travel
Product overview
Do more and get more
Bank charges
Important information
Contact us
Terms, Rules and conditions apply. Certain benefits are dependent on your account and eBucks rewards level.
FNB Fusion Accounts are only available to customers under the age of 70.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Do more and get more with an FNB Premier Account
(continued)
Introduction
Get the best value
Borrow
eBucks
FNB Revolving Facility
FNB Credit Card
•
•
Earn eBucks on your credit card purchases
from in-store and online eBucks partners
•
Manage your money easily with up to 55
days’ interest-free card purchases made on
your straight facility
Product overview
Do more and get more
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Contact us
Our revolving facility offers you a
credit facility that helps you pay
for unbudgeted expenses over
time and is linked to your FNB
Premier Current Account which
gives you access to funding 24/7.
You can choose between variable
and fixed repayment options and
you can opt in to our new shortfall
protection option which means
no more bounced debit orders or
declined POS transactions. Optional
debt protection is available too - a
facility that helps you prepare for
monthly cash flow shortages with a
personalised interest rate based on
your individual credit profile
•
Personalised and competitive interest rates
based on your personal profile
•
Access to a budget facility with repayment
periods from 6-60 months for purchases
over R200
•
Embedded debt protection of up to
R12 000 of outstanding balance in the
event of death and permanent disability,
with option to top-up
•
Access to unlimited virtual cards at no extra
cost It’s simple, safe and smart enough to
change its 3-digit CVV hourly
•
Purchase Protect cover up to R10 000 on
items such as furniture, clothing, cellphones
and laptops purchased using your FNB
Virtual Credit Card
Terms, Rules and conditions apply. Certain benefits are dependent on your account and eBucks rewards level.
For more on eBucks Rewards, go to the eBucks website.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
•
Global Travel Insurance cover for the first
90 days of your journey when you use your
qualifying FNB Credit Card to purchase your
international return travel ticket(s)
•
Auto payment solution – enjoy the
convenience of having your credit card
account paid on time, every time
•
Access to SLOW Domestic Lounge with up
to 8 complimentary entries per annum
•
Unlock up to 12 additional SLOW Lounge
visits - Domestic or International - for you
and your family when you book flights
through eBucks Travel
•
The option for FNB to move your
unexpected medical transactions
to budget at an interest rate of prime
or prime +2%
•
Access to exclusive FNB offers from
retailers, such as iStore, The Pro Shop, Cycle
Lab and KOODOO.co.za at an interest rate of
prime or prime +2%
FNB Premier
Annual Pricing Guide 2022-2023
Do more and get more with an FNB Premier Account
(continued)
Introduction
Get the best value
Borrow
eBucks
FNB Temporary Loan
You can benefit from:
•
•
A personalised interest rate from as low as 12.75%* per annum
•
A payment break every January**
•
A fixed and flexible monthly repayment making it easy for
budgeting, with no penalties for settling your loan early.
Your repayment remains the same each month and you can
choose your own repayment term between 1 and 60 months
•
Top up your existing loan and pay no initiation fee
Product overview
Do more and get more
•
Credit card
FNB Global Account
Bank charges
Important information
Contact us
This loan is offered in line with the way you’ve managed your
credit profile. Once you’ve accepted the offer, funds are
immediately available in your account
FNB Personal Loan
•
Home Finance
Invest
Temporary loans are quick and easy. There are no forms to fill in
and you can easily accept your loan via the FNB App and online
banking
We can help you get a personal loan of up to R300,000. Whether
you have planned or unplanned expenses like renovating your
home, a personal loan can help you achieve your goals. Using the
right credit for the right reason can change your life
FNB Student Loan
•
Whatever the aspiration, a student loan can help you to cover
your tuition fees but also the cost of textbooks, study materials,
devices, equipment and accommodation. You can access funds
from R4 000 to R80 000 per year
Terms, Rules and conditions apply. Certain benefits are dependent on your account and eBucks rewards level.
Credit is subject to qualifying criteria.
*Interest rate is based on your risk profile.
**On loan terms of over 6 months and where the account is not in arrears.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
Credit switch
•
Consolidate your qualifying credit from various credit providers
into one convenient personal loan and you could save every
month with one set of fees, one reduced monthly repayment
and one personalised interest rate
FNB Premier
Annual Pricing Guide 2022-2023
Do more and get more with an FNB Premier Account
(continued)
Introduction
Get the best value
eBucks
Product overview
Save
Live
•
A linked savings account that earns you a competitive
interest rate
•
Get access to smartphones, tablets or laptops at
discounted prices over a 24-month period
•
Save while you spend with FNB Bank Your Change®.
We round up your card purchase value and transfer
the difference from the purchase amount to your
savings account.
•
Get FNB Global Travel Insurance for no fee, keeping
you covered for international travel when you buy your
return travel ticket(s) using your FNB Fusion Premier Card,
Premier Debit, Credit Card or eBucks11
•
Monthly coupons on your FNB App, offering discounts
on a range of products from retailers
Do more and get more
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Contact us
Terms, Rules and conditions apply. Certain benefits are dependent on your account and eBucks rewards level.
11
Valid for customers under the age of 70 only.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Introduction
Get the best value
eBucks
Product overview
Do more and get more
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Contact us
FNB Premier Credit Card
FNB Premier
Annual Pricing Guide 2022-2023
Introduction
FNB Premier Credit Card
An FNB Premier Credit Card is more than just plastic in your wallet. It’s the key to your lifestyle, unlocking new worlds and opening up
an array of exclusive benefits, rewards, and features to help you along the way.
Get the best value
eBucks
Product overview
Credit facility fees
Do more and get more
Credit facility service fee
R1712
Credit card
Initiation fee (once-off)
Up to a maximum of R175
FNB Global Account
Credit card account fees
Bank charges
FNB Premier Credit Card monthly account fee
R7513
Home Finance
Additional card fees
No charge on additional card, thereafter R18.50
per card linked to account
Invest
Credit card budget purchases
No charge
Important information
Linked Petrol Card (per card linked to account)
R29.50
R92p.m.
FNB Premier Credit Card
Account
Contact us
For all other fees, refer to “Bank Charges”.
Bank Charges
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level.
12
Credit Facility service fee is charged monthly for the routine administration of maintaining your Credit Facility. This fee is included in the FNB Fusion Premier and Current Account monthly fee.
13
Credit Card monthly account fee is charged monthly for the administration and maintenance of your Credit Card account. This fee is included in the FNB Fusion Premier and Current Account monthly fee.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Introduction
Get the best value
eBucks
Product overview
Do more and get more
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Contact us
FNB Global Account
Be a Global Citizen and save
and transact globally
FNB Premier
Annual Pricing Guide 2022-2023
Introduction
Get the best value
FNB Global Account
FNB Premier offers you an FNB Global Account 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 FNB Global Account is the ideal choice.
eBucks
Product overview
Do more and get more
Other fees
GBP
USD
EUR
Annual card fee
£20
$25
€23
Card swipes and international online card payments
No charge
International ATM withdrawal14
£3
$5
€4
Home Finance
Card replacement (lost, stolen or damaged)
£7
$10
€8
Invest
Balance enquiry
£0.35
$0.50
€0.40
Important information
Insufficient funds fee (ATM and Point-of-Sale transactions)
£0.50
$0.80
€0.60
Credit card
FNB Global Account
Bank charges
Contact us
Currency conversion (when a specific currency card is used in a different currency zone)
For all other fees, refer to “Bank Charges”.
Bank Charges
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level.
14
Some ATMs overseas might also charge you a withdrawal fee over and above our fee.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
Same Currency - No Charge | Cross Currency 1%
FNB Premier
Annual Pricing Guide 2022-2023
Introduction
Get the best value
eBucks
Product overview
Do more and get more
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Contact us
Bank charges
Bank charges
FNB Premier
Annual Pricing Guide 2022-2023
Introduction
Get the best value
eBucks
Bank charges
The following pages contain our standard fees for transactions that are not included
in your monthly account fee or that you will be charged if you go over the limits outlined above.
These fees are applicable to: The FNB Fusion Premier Account, Current Account and Credit Card.
Product overview
Do more and get more
No charge transaction (applicable to Fusion and Current)
Credit card
Card purchases
FNB Global Account
Bank charges
Prepaid airtime purchases using FNB App and online channels
Electronic payments
Home Finance
Electronic transfers
Invest
Internal debit orders
Important information
External debit orders
Contact us
Subscription to inContact, online banking, cellphone banking, telephone banking and the FNB App
Subscription to eBucks rewards
Savings account
Bank charges
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
No charge
FNB Premier
Annual Pricing Guide 2022-2023
Bank charges
Introduction
Please note that any transactions not included or in excess of the limits above will be charged as per the tables below.
(continued)
Get the best value
eBucks
Fees applicable on other products
Monthly FNB Fusion credit facility fee
Product overview
(applies to NCA clients with credit agreements concluded between 1 June 2007 and 6 May 2016)
Monthly FNB Fusion credit facility fee
Do more and get more
Credit card
FNB Global Account
Bank charges
(applies to NCA clients with credit agreements concluded since 6 May 2016)
Monthly overdraft service fee
(applies to NCA clients with credit agreements concluded between 1 June 2007 and 6 May 2016)
Monthly overdraft service fee
(applies to NCA clients with credit agreements concluded since 6 May 2016)
Monthly rebate on FNB Fusion credit facility fee for facilities of R1 000 only
(applies to NCA clients with credit agreements concluded between 1 June 2007 and 6 May 2016)
Monthly rebate on FNB Fusion credit facility fee for facilities of R1 000 only
(applies to NCA clients with credit agreements concluded since 6 May 2016)
Home Finance
Monthly revolving facility service fee**
(applies to NCA clients with credit agreements concluded between 1 June 2007 and 6 May 2016)
Invest
Monthly revolving facility service fee**
(applies to NCA clients with credit agreements concluded since 6 May 2016)
Important information
Once-off revolving facility initiation fee**
Contact us
Home finance – application for new home loan monthly service fee
(applies to NCA clients with credit agreements concluded since 6 May 2016)
These fees are in accordance with the National Credit Act 34 of 2005 as applicable to your home loan agreement. The fees quoted are VAT inclusive.
Home finance – application for new home loan once-off initiation fee
Bank charges
R57.50
R69
R57.50
R69
R27.50*
R39*
R57.50
R69
R155
R69
These fees are in accordance with the National Credit Act 34 of 2005 as applicable to your home loan agreement. The fees quoted are VAT inclusive.
*Existing customers that enter into a new agreement will be charged a monthly service fee of R69 once approved.
R6 037.50
Personal loan monthly service fee
R69
Personal loan once-off initiation fee (no initiation fee when you top up your existing personal loan)
Up to R1 207.50
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level.
* Accounts must be in good standing
** Monthly revolving facility service fee and revolving facility initiation fee applicable to clients with revolving loans.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Bank charges
(continued)
Introduction
Get the best value
Payments
Cellphone banking, the FNB App, telephone banking - IVR, FNB ATM and online banking
R8.50
Telephone banking (consultant assisted)
R80
FNB Branch
R80
Do more and get more
Internal debit orders
No Charge
Credit card
External debit orders
R19
International card purchase fee
2% of transaction value (max R100)
eBucks
Product overview
FNB Global Account
Bank charges
Linked Account Transfers
Cellphone banking, the FNB App, telephone banking - IVR, FNB ATM and online banking
No Charge
Home Finance
Telephone banking - (Consultant assisted)
R80
Invest
FNB Branch
R80
Important information
Contact us
Bank charges
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Bank charges
(continued)
Introduction
Get the best value
Cash withdrawals
FNB ATM
R2.30 per R100
Cash@Till®
No Charge
Cardless cash withdrawals
R1.15 per R100
Credit card cash on budget
R80 + R2.85 per R100
Other banks’ ATMs
R12 + R2.30 per R100*
FNB Branch
R80 + R2.85 per R100
Bank charges
International branch
R80 + R2.85 per R100**
Home Finance
International ATM
R80 + R2.85 per R100**
eBucks
Product overview
Do more and get more
Credit card
FNB Global Account
Invest
Important information
Contact us
Bank charges
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level.
*If you withdraw cash at another banks’ ATM on the 1st, 3rd, 25th or 31st of the month, the R12 portion of the fee will be rebated.
**Additional 2% commission and conversion fee apply. Some ATMs overseas might charge a withdrawal fee.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Bank charges
(continued)
Introduction
Get the best value
Debit order management
eBucks
Stop payment – digital channels
No charge
Product overview
Stop payment – telephone banking (consultant assisted)
R40
Do more and get more
Stop payment – branch
R80
Debit order dispute – telephone banking (consultant assisted)
R45
Debit order dispute – branch (consultant assisted)
R45
Debit order dispute - online and App (digital)
R5
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Deposits
Cash Deposits at FNB ATM
R1.30 per R100
Cash deposit at FNB Branch
R80 + R2.85 per R100
Deposit@Till
Pricing is determined
by the merchant and is
subject to change*
Important information
Contact us
Bank charges
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level.
*Available at selected merchants. Checkers ,Shoprite, Usave, PnP Stores and Boxer Stores
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Bank charges
(continued)
Introduction
Get the best value
Prepaid purchases
eBucks
FNB Connect prepaid airtime purchase using Cellphone Banking, FNB ATMs, Online Banking and the FNB App
No charge
Product overview
Prepaid airtime purchase using other banks’ ATMs
R15
Do more and get more
Prepaid airtime transaction fee (Cellphone banking) (spend<=R10)
R0.50
Prepaid airtime transaction fee (Cellphone banking)) (R10 <spend<=R25)
R1
Prepaid airtime transaction fee (Cellphone banking)) (spend>R25)
R2
Other prepaid airtime using App and online banking
No charge
Entertainment, gaming, music and transport vouchers
R2.70
LottoTM/Powerball, prepaid electricity, traffic fines*
R2.70
Invest
Daily Lotto
R1
Important information
Balance enquiries
Credit card
FNB Global Account
Bank charges
Home Finance
Contact us
Using FNB Cellphone Banking, FNB ATMs, online banking and the FNB App
No
Point-of-sale
R1.75
Other banks’ ATMs, international point-of-sale, branch or telephone banking (consultant assisted)
R7.30
Bank charges
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Bank charges
(continued)
Introduction
Get the best value
Statements
eBucks
Cellphone banking mini statement
No charge
Product overview
FNB ATM transaction list
R3.75 (per statement)
Do more and get more
Statements – online banking and FNB App (download/view/email)
No charge
Emailing/printing of statements – branch and telephone banking
R50 (per statement)
Printed statements (Smart kiosk)
R3.75 per page
Interim statements
R25 per page
max (R50)
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Contact us
Bank charges
Terms, Rules and conditions apply.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Bank charges
(continued)
Introduction
Get the best value
Additional statements (fee per month)
eBucks
Product overview
Online
Do more and get more
Credit card
FNB Global Account
Paper
Daily
R65
Weekly
R30
Twice-monthly
R17
Daily
R135
Weekly
R57
Twice-monthly
R29
Bank charges
Unsuccessful transactions (insufficient funds)
Home Finance
Invest
Important information
FNB ATM
No charge
Point-of-sale, scheduled payment and other banks’ ATMs
R8.50
Insufficient funds fee (returned item debit order)
Thereafter R105
(per unpaid item 9 or more)21
Contact us
Bank charges
Terms, Rules and conditions apply.
21
Applicable over a rolling 12 month period.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Bank charges
(continued)
Introduction
Get the best value
eBucks
Product overview
Copies of vouchers (deposit slips)
Online banking
No charge
Branch and telephone banking (consultant assisted)
R80
Do more and get more
Credit card
FNB Global Account
SLOW Lounge fees25
Bank charges
Domestic lounges
R250
Home Finance
International lounge
R400
Invest
Important information
Contact us
Bank charges
Terms, conditions and earn rules apply. Certain benefits are dependent on your account and eBucks rewards level.
25 SLOW Lounge fees are applicable for every additional entry over and above complimentary entries, as well as for every entry where the cardholder does not qualify for complimentary entries due to the cardholder’s eBucks rewards level.
For more information on SLOW Lounge visit fnb.co.za/slow-lounge.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Bank charges
(continued)
Introduction
Get the best value
Card delivery fees
eBucks
Standard delivery
No charge
Product overview
Urgent delivery
R260
Do more and get more
Scheduled delivery
R150
International delivery
R730
FNB Branch delivery
No charge
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Card replacement fees
Current Account Card/Fusion Card/Credit Card
R125
Temporary card
R110
Branch replacement
No charge
FNB Petrol Card
R125
Contact us
Bank charges
Terms, Rules and conditions apply.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Bank charges
(continued)
Introduction
Get the best value
Convenience and value-added services
Buy LOTTO™/Powerball/
R2.7026
Daily Lotto
R1
DStv payments
R7
Pay and clear now
R45
FNB Instant Payment*
R7
FNB Global Account
Payshap**
R7
Bank charges
Cash swop fee
No charge
Home Finance
Payment honouring fee27
Invest
Common Monetary Area (CMA) cross-border receipt
R100 plus applicable cash deposit fee
Important information
Account confirmation letter / visa letter (online banking / FNB APP)
No Charge
Contact us
Account confirmation letter / visa letter (branch)
R30
Online banking account verification
R3.54
eBucks
Product overview
Do more and get more
Credit card
Honoured Value <R45: Charged at Honoured Value***
Honoured Value >=R45: Charged at R45 per R100 (Max. R200)***
Electronic subscriptions services (fee per month)
Bank charges
My limit alert
R3.30
Scheduled payment alert
R3.30
Terms, conditions and earn rules apply. Certain benefits are dependent on your account and eBucks rewards level.
26 LOTTO™ purchases are excluded from the Islamic Premier Current Account.
27 A service fee is charged for each payment honoured where there is not enough money in your transactional account.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
*
**
***
Only available from 1 October 2022.
Only available from 13 March 2023.
Customer transaction honoured for a value of R10. Fee charged R10. Customer transaction honoured for a value of R50. Fee charged R45.
FNB Premier
Annual Pricing Guide 2022-2023
Bank charges
(continued)
Introduction
Get the best value
eBucks
Product overview
Balance alert (fee per month)
Monthly
R1.20
Weekly
R3.30
Daily
R16
Do more and get more
Credit card
FNB Global Account
Payment notifications
Email
No charge
SMS
No charge
Bank charges
Other fees
Home Finance
Invest
Important information
Contact us
Bank charges
Online banking password reset telephone banking (consultant assisted)
R80
Online banking payment history (older than 3 months)
R7
Online banking account verification fee (FNB and other banks’ accounts)
R3.54
Monthly petrol card fee25
R24
Petrol card fuel purchases
R6.25
Monthly device payment fee
Device dependant
Additional credit card purchase fees
Fuel transaction fee (Petrol cards only)
Terms, conditions and earn rules apply. Certain benefits are dependent on your account and eBucks rewards level.
25
FNB Fusion Premier Account and Premier Current Account
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
R6.25
FNB Premier
Annual Pricing Guide 2022-2023
Bank charges
(continued)
Introduction
Get the best value
Credit card deposit fees
eBucks
FNB ATM with Automated Deposit Terminal (ADT)
R1.30 per R100
Product overview
FNB Branch and FNB ATM with envelope deposit facilities
R80 + R2.85 per R100
Do more and get more
Deposit at till
Pricing determined by merchant and is
subject to change*
Credit card
Credit card linked account transfers and account payments
FNB Global Account
IVR Smart Transfer to FNB
No charge
Bank charges
Third party payments
R8.50
Home Finance
Telephone banking (consultant assisted)
R80
Transfers and payments at branch
R80
International card purchase fee
2% of transaction value (max R100)
Invest
Important information
Contact us
Bank charges
Voucher retrieval requests
Local
R105
International
R295
Other credit card fees
Declined transaction fee
R8.50
Card replacement fee
R125 per card
Terms, Rules and conditions apply.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Bank charges
(continued)
Introduction
Get the best value
Credit card convenience fees
eBucks
Pay2Cell
R8.50
Product overview
Prepaid airtime transaction fee (APP and online)
No charge
Do more and get more
Prepaid airtime transaction fee (Cellphone banking) – Transactions between R0.01 – R10
R0.50
Prepaid airtime transaction fee (Cellphone banking) – Transactions between R10.01 – R25
R1
Prepaid airtime transaction fee (Cellphone banking) – Transactions between R25.01 – R40
R1.50
Prepaid airtime transaction fee (Cellphone banking) – Transactions >R40
R2
LottoTM/Powerball, prepaid electricity, traffic fines*
R2.70
Home Finance
Daily Lotto
R1
Invest
Uncapped ADSL fee
R2.50
Credit card
FNB Global Account
Bank charges
Important information
Contact us
Bank charges
Terms, conditions and earn rules apply. Certain benefits are dependent on your account and eBucks rewards level.
*Payment fee which is dependent on account pricing option (Bundled vs PAYU).
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Bank charges
(continued)
Introduction
Get the best value
eWallet
eBucks
Fees for sender
Product overview
Send money from FNB Account to eWallet
R2 + R2.30 per R100
Do more and get more
Reversal of incorrect ‘Send Money to eWallet’ transaction – telephone/branch
R65
Reversal of incorrect ‘Send Money to eWallet’ transaction – cellphone banking
R16.50
Credit card
FNB Global Account
Fees for recipient
Monthly account fee
No charge
Withdraw cash from an FNB ATM, FNB Mini ATM or participating retailers
No charge
Purchases at participating retailers
No charge
Invest
Prepaid airtime transaction fee (Cellphone banking) (spend<=R10)
R0.50
Important information
Prepaid airtime transaction fee (Cellphone banking) (R10 <spend<=R25)
R1
Contact us
Prepaid airtime transaction fee (Cellphone banking) (spend>R25)
R2
Prepaid electricity
R2.70
Bank charges
Home Finance
Bank charges
Terms, conditions and earn rules apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Bank charges
(continued)
Introduction
Get the best value
eWallet
eBucks
Fees for recipient
Product overview
Inactivity fee per month (after 6 months of inactivity)
R4.95
Do more and get more
Transfer from your eWallet to your FNB Account
No charge
eWallet balance enquiry
No charge
eWallet mini-statement
No charge
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Contact us
Bank charges
Terms, conditions and earn rules apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Bank Charges
Introduction
Get the best value
MoneyGram30
eBucks
Send amount (USD)
Send fee (USD)
Send amount (USD)
Send fee (USD)
Product overview
$0.01 - $50
$7
$500.01 - $600
$29
Do more and get more
$50.01 - $100
$10
$600.01 - $700
$34
$100.01 - $150
$11
$700.01 - $800
$39
$150.01 - $200
$13
$800.01 - $900
$44
$200.01 - $250
$15
$900.01 - $1 000
$49
$250.01 - $300
$17
$1 000.01 - $1 200
$55
$300.01 - $400
$19
$1 200.01 - $1 500
$63
$400.01 - $500
$24
$1 500.01 - $1 800
$70
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
MoneyGram30
Important information
Contact us
Bank charges
Terms, Rules and conditions apply.
30
MoneyGram fees exclude VAT.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Introduction
Get the best value
eBucks
Product overview
Do more and get more
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Contact us
FNB Home Finance
The right solutions for the right home.
We offer finance solutions and tools to
guide you through the entire home loan
process - from start to finish.
FNB Premier
Annual Pricing Guide 2022-2023
Home Finance
Introduction
Get the best value
FNB Collective Buying
FNB makes it easier for you to buy a home with up to 12 family members or friends with collective buying.
eBucks
Product overview
Do more and get more
Credit card
Cost effective lending
• Discounted attorney bond registration costs (only when applying via nav»Home)
• Preferential interest rates on your home loan
• No early termination fee charged
• Get rewarded with up to R6 100 back in eBucks (when applying via any of the FNB internal channels).**
FNB Global Account
Bank charges
Monthly service fee
Home Finance
New customers
R69
Invest
Existing customers
No change in fee*
Important information
Once-off Initiation fee
R6 037.50
Contact us
These fees are in accordance with the National Credit Act 34 of 2005 as applicable to your Home Loan agreement.
The fees quoted are VAT inclusive.
Please note: The monthly service fee applicable to your home loan will be charged irrespective
of the balance outstanding and will only cease when the bond is cancelled at the deeds office.
For more information, please refer to the FNB Home Finance pricing guide on the FNB website.
* Existing customers that enter into a new agreement will be charged a monthly service fee of R69 once approved.
**The eBucks benefit is calculated at 50% of your first home loan repayment and is capped at eB61000. Terms , Conditions and Rules apply.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Introduction
Get the best value
eBucks
Product overview
Do more and get more
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Contact us
Invest
Save and Invest
Save and Invest to improve your
financial future.
FNB Premier
Annual Pricing Guide 2022-2023
Savings and Cash Investments
Introduction
Savings account
Get the best value
A no fee FNB Savings account linked to your
Current account. No transactional fees apply
to your savings account.
eBucks
Product overview
Do more and get more
Credit card
+
FNB Money Maximiser
FNB Global Account
Earn a money market fund related rate, plus your capital and quoted
returns are fully guaranteed. Accounts opened on the FNB App or in
the Premier bundles will not be charged a monthly fee.
With your Premier bundle you can start investing with FNB Money
Maximiser, Share Zero, Tax free Shares, Tax Free Unit Trust, Retirement
Annuity, Preservers and Personal Share Portfolios.
Bank charges
Home Finance
Invest
Important information
Contact us
Invest
Terms, Rules and conditions apply.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Introduction
Get the best value
eBucks
Product overview
Do more and get more
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Contact us
Invest
Wealth and Investment
FNB Premier
Annual Pricing Guide 2022-2023
Introduction
FNB
Wealth
Get the
best value
and Investments
Tax-Free Shares
With your Tax-free shares account you are invested in the Ashburton Top 40 ETF and Ashburton Midcap ETF. This gives
you access to the top 100 companies on the JSE, offering you an instantly diversified portfolio. Enjoy all the benefits of
investing while paying no tax on capital gains, dividends and interest earned.
eBucks
Annual Pricing Guide 2022-2023
Product overview
Share Investing
Do more and get more
Stockbroking and
Portfolio
management
Credit card
General fees
Monthly account fee
No fee
Investor Platform
FNB Global Account
Wills, Estate administration,
Trusts
and Estate Planning
Bank charges
Trade option
First trading day of month /
Delayed trades (Today at 15:00)
Brokerage fees
Important information
Home Finance
First trading day
0.12% excl VAT
Delayed trades
(Today at 15:00)
0.60% (min of R50) excl VAT
Contact us
Invest
Important information
Contact us
Invest Investing
Share
Please note: For the purpose of calculating fees all “sell” instructions will be considered a delayed trade – even if placed on the first trading day of the month.
FNB a division of FirstRandBank Ltd Authorised Financial Services Provider.
Terms, Rules and conditions apply.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Additional services
Introduction
FNB
Wealth
Get the
best value
and Investments
eBucks
Annual Pricing Guide 2022-2023
Product overview
Share Investing
Do more and get more
Stockbroking and
Portfolio
management
Credit card
Investor Platform
FNB Global Account
Wills, Estate administration,
Trusts
and Estate Planning
Bank charges
Important information
Home Finance
Contact us
Invest
Share transfer (per counter) incl VAT
Account transfer in
No fee
Account transfer out
R135
Internal transfer
No fee
Portfolio move in
No fee
Portfolio move out
R100
Transaction fees
Transaction fees
Electronic
Telephone
Branch
Transfers
Free
R80
R80
Payments
R8.50
R80
R80
Important information
Contact us
Share removal (per instruction)
R1 – R50 000
R990
R50 000 – R2 000 000
R2 000 000+
Normal
R1 550
R1 650
Fast
Track
R2 650
Invest Investing
Share
FNB a division of FirstRandBank Ltd Authorised Financial Services Provider.
Terms, Rules and conditions apply.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
R2 750
R4 800
FNB Premier
Annual Pricing Guide 2022-2023
Fee schedule
Introduction
FNB
Wealth
Get the
best value
and Investments
eBucks
Annual Pricing Guide 2022-2023
Product overview
Share Investing
Do more and get more
Stockbroking and
Portfolio
management
Credit card
Annual administration fee for living annuities
and endowment products (incl VAT)
Aggregated assets
on the platform
All funds*
FNB Horizon Series
Funds1
Ashburton Stable
Income Fund2
Ashburton SA Income
Fund3
Ashburton Money
Market Fund4
First R1 000 000
0.46%
0.29%
0.12%
0.17%
0.17%
Next R2 000 000
0.35%
0.29%
0.12%
0.17%
0.17%
Above R3 000 000
0.23%
0.29%
0.12%
0.17%
0.17%
Investor Platform
FNB Global Account
Wills, Estate administration,
Trusts
and Estate Planning
Bank charges
Annual administration fee
for all other products** (excl VAT)
Important information
Home Finance
First R1 000 000
0.40%
0.25%
0.10%
0.15%
0.15%
Contact us
Invest
Next R2 000 000
0.30%
0.25%
0.10%
0.15%
0.15%
Above R3 000 000
0.25%
0.25%
0.10%
0.15%
0.15%
Important information
Contact us
Invest
*Excluding 1, 2, 3 & 4
**Not applicable to the Tax-Free Unit Trust product when invested in FNB Funds
FNB CIS Manco (RF) (Pty) Ltd is an approved manager of Collective Investment Schemes in terms of Collective Investments Scheme Control Act, 45 of 2002 by the Financial Sector Conduct Authority and is also a full member of the
Association for Savings and Investment SA (ASISA). Ashburton Fund Managers (Proprietary) Limited is a licensed Financial Services Provider (“FSP”) in terms of the Financial Advisory and Intermediary Services Act, 37 of 2002, FSP number
40169. FNB Investor Services Proprietary Limited (Reg number 2011/139123/07) is an authorised administrative financial services provider (FSP number 44341) (“FNB”).
Terms, Rules and conditions apply.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Fee schedule
(continued)
Introduction
FNB
Wealth
Get the
best value
and Investments
eBucks
Annual Pricing Guide 2022-2023
Product overview
Share Investing
Do more and get more
Stockbroking and
Portfolio
management
Credit card
Investor Platform
FNB Global Account
Wills, Estate administration,
Trusts
and Estate Planning
Bank charges
Personal share portfolio annual
administration fee for all other products (excl VAT)
First R7 500 000
0.25%
Next R7 500 000
0.15%
Next R10 000 000
0.10%
Above R25 000 000
0.05%
Personal share portfolio annual
administration fee for living annuity (incl VAT)
Important information
Home Finance
First R7 500 000
0.29%
Contact us
Invest
Next R7 500 000
0.17%
Next R10 000 000
0.12%
Above R25 000 000
0.06%
Important information
Contact us
For the full Wealth and Investments pricing guide please visit FNB Online Banking > Rates + Pricing > Overview > Invest
Invest
For more information on the fee structure of the Horizon Series funds, please refer to the latest fund fact sheets available at www. fnb. co.za> Invest> For yourself> I know what I want> Unit Trusts
FNB CIS Manco (RF) (Pty) Ltd is an approved manager of Collective Investment Schemes in terms of Collective Investments Scheme Control Act, 45 of 2002 by the Financial Sector Conduct Authority and is also a full member of the
Association for Savings and Investment SA (ASISA). Ashburton Fund Managers (Proprietary) Limited is a licensed Financial Services Provider (“FSP”) in terms of the Financial Advisory and Intermediary Services Act, 37 of 2002, FSP number
40169. FNB Investor Services Proprietary Limited (Reg number 2011/139123/07) is an authorised administrative financial services provider (FSP number 44341) (“FNB”).
Terms, Rules and conditions apply.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Retirement solution
Introduction
Get the best value
eBucks
Product overview
Do more and get more
Credit card
FNB Global Account
Bank charges
Home Finance
FNB understands that life changes as you move through different life stages
and therefore has retirement solutions for clients who are 60 years and above,
especially designed to helping you make the transition into this exciting new
life stage. Retired individuals can now share in the benefits of a solution
designed specifically to cater for your unique needs, post retirement.
Get more with our retirement solution
•
Enjoy all the value that being a Premier client brings together with additional benefits
that retirement brings. As an FNB Premier client, if you invest R200,000 you will get
50% off your monthly transactional account fee or invest R500,000 and get 100% off
More Value - Less Fees
Invest
Get more
More rewards
More help
Earn preferential rates on your fixed deposits
Double* investment eBucks points
Your team of bankers will still be available to help
you manage your money
Important information
Contact us
Protect your money with FNB Lliving Annuity
or Preservation
Discounted estate administration fee
Invest
Invest your money with FNB Tax-Free Shares, FNB Tax-Free Unit
Trust, FNB Investment Account or FNB Stockbroking and FNB
Portfolio Management Segregated Portfolios: Fully managed
and tailored to client need
Terms, Rules and conditions apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
Advice session to ensure you are on track
FNB Premier
Annual Pricing Guide 2022-2023
Gear up your finances to unlock cashflow
Introduction
Set and manage your financial goals on the FNB App to get the best benefit from your account
Get the best value
eBucks
Product overview
Do more and get more
Credit card
nav» Money
1
4
Credit status
Track to spend
Understand your money in and
money out. And view your
auto-categorised spend
View your free credit status,
personalised tips and offers
FNB Global Account
Bank charges
2
Home Finance
Smart budget
Invest
Set budget alerts and get
notified along the way
5
Savings goal
Set, track and pause savings goals
Important information
Contact us
3
6
Money coach
Available funds
Understand how much you will have
left before the end of your month
Terms, Rules and conditions apply.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
Get money smart with podcasts,
tips and quizzes
FNB Premier
Annual Pricing Guide 2022-2023
Introduction
Get the best value
eBucks
Product overview
Important information
The small print
Do more and get more
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Contact us
Standard terminology
FNB Premier
Annual Pricing Guide 2022-2023
Important Information
Introduction
•
These prices include VAT
•
Interest rates are personalised to you and appear on the FNB Fusion Premier
Account, FNB Premier Current Account and credit card statements
•
Visit FNB’s website for a copy of the terms, conditions and rules that govern
our agreements
Do more and get more
•
If your credit facility goes into arrears, you will be liable for collection fees and
loans in accordance with the National Credit Act
Credit card
•
Should you require further information on any Credit Card products or services,
please contact credit card customer enquiries on 087 575 11 11 (standard
rates apply)
Bank charges
•
Credit facility service fee is charged monthly for the routine administration of
maintaining your credit facility
Home Finance
•
Credit card monthly account fee is charged monthly for the administration
and maintenance of your credit card account
Get the best value
eBucks
Product overview
FNB Global Account
Invest
Important information
Contact us
Terms, Rules and conditions apply.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
The small print
Introduction
Get the best value
eBucks
Product overview
Our small print is straightforward.
Information on our products and prices
•
Do more and get more
Credit card
•
FNB Global Account
Bank charges
Home Finance
Invest
Important information
•
•
•
•
FNB, a division of FirstRand Bank Ltd. reserves the right to
change fees or introduce new fees from time to time. If we do
this, though, we’ll give you at least 20 business days’ notice of
these changes. You’ll find these changes on FNB’s website
•
We strive to keep the information provided in the pricing
guide as accurate as possible, and we will not be held
responsible if an error or omission is found
•
You must apply for each facility or product 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 terms and conditions for
that specific facility or product. We agree on these terms and
conditions with the applicant
•
If there is disagreement between the product or facility
specific terms and conditions and what’s outlined in this
pricing guide, we’ll follow the product or facility-specific
terms and conditions that apply to such a facility or product
FNB reserves the right to change the features of any product
or facility at any time
Fees quoted as “per R100” 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 2022 - 30 June 2023
Contact us
Terms, Rules and conditions apply.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Standard terminology
Introduction
Get the best value
eBucks
Product overview
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.
Do more and get more
Credit card
FNB Global Account
Bank charges
Glossary of terms
FNB term (As Used In Guide)
Standard terminology
Card purchase
Card transaction
Payment
Third party payment/stop order
Slimline devices
Mini ATMs
eChannels
Online banking, telephone banking,
Interactive Voice Response (IVR) and FNB ATMs
Mobile channels
Cellphone banking and the FNB App
Home Finance
Invest
Important information
Contact us
Terms, Rules and conditions apply.
A division of FirstRand Bank Limited. An authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
Annual Pricing Guide 2022-2023
Introduction
Get the best value
eBucks
Product overview
Do more and get more
Credit card
FNB Global Account
Bank charges
Home Finance
Invest
Important information
Contact us
Contact us
For more information on how we
can help you grow and manage
your money contact your Premier
Bankers 24/7 via SecureChat on
the FNB App 087 577 7000