First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).

997101 Mar13

Consumer
Pricing Guide
1 July 2013 to
30 June 2014

Smart Banking
Get more value for your money, bank Smart
with FNB Smart Account and Cheque Account.

how can we help you?

This guide contains the fees for the most

commonly used transactions. Fees include
VAT and are valid from 1 July 2013 to 30
June 2014. For a full list of fees please
visit www.fnb.mobi, www.fnb.co.za or your
nearest FNB Branch.
Smart Account:

You can choose from three Smart Account Pricing options

Pricing
option and
Monthly fee

Zero
R0,00

Pay-as-you-use
R11,50

Why choose this option?

If you are a part-time or seasonal worker

If you do one or less than one ATM withdrawal
per month
If you do not want to pay a monthly fee and
but are willing to pay more when you transact.

If you earn a regular salary

If you do 2-4 ATM withdrawals per month
If you want to pay a low monthly fee and less
when you transact

Smart Cheque Account:

You can choose from three Smart Account Pricing options

Pricing
option and
Monthly fee

Why choose this option?

Pay-as-you-use
(PAYU)
R23,00

If you earn a regular salary

If you want to pay a low monthly fee and do
fewer transactions
If you want to build a credit record and if you
want to qualify for an Overdraft

Fee- Saver
R23,00

If you earn a regular salary

If you want to pay a low monthly fee and less
when you transact
If you want to build a credit record and if you
want to qualify for an Overdraft
If you want to keep a minimum balance of
R9000 in your account all month (every
month) so that you will not pay for:

Unlimited
R49,00

If you get a regular salary and want to know

what you pay in fees upfront
If you do more than 5 ATM withdrawals per
month (The first 6 ATM withdrawals are
included in the R49)
Unlimited
R84,00

*For an additional R22 every month you can get

R10 000 funeral cover. (Ts and Cs apply)

- Electronic transactions
- The first 6 ATM withdrawals every month
- A combination of your first 3 branch,
cheque and telephone banking
transactions (excluding cash and cheque
deposits) every month

If you get a regular salary and want to know

what you pay in fees upfront
If you do more than 5 ATM withdrawals per
month (The first 6 ATM withdrawals are
included in the R84)
If you want to build a credit record and if you
want to qualify for an Overdraft
If you want to get 1GB ADSL Data Free from
FNB Connect every month

REWARDS

FREE

The following features on your account

are FREE:
To open your FNB account No
minimum balance is required
To check your balance using FNB ATM,
Cellphone, or Online Banking
Paying with your Debit card when
shopping
Access to Cellphone and Online
Banking
Moving your salary and debit orders to
your new account
inContact we will SMS you if R100 or
more goes in or out of your account
SMS to notify you when new debit
orders are loaded on your account

As a Smart Account or Smart

Cheque Account holder, you get
up to 15% back for:
Buying prepaid airtime and electricity
from FNB
Paying for your fuel with your FNB card
Paying for your shopping with your FNB
card at Checkers & Shoprite stores.

There is no subscription fee to join FNB

Rewards its FREE.
For more information on how to qualify
and earn FNB Rewards please see the
rewards guide available at any FNB branch
or www.fnb.co.za

Know what your banking costs

Cheapest

Most expensive

Smart Account

Price Option
Monthly cost for
my account

Zero

Smart Cheque Account

PAYU

PAYU and
Fee Saver*

Unlimited

Unlimited

Free

R11,50

R49,00

R23,00

R84,00

Minimum balance for rebate

R5000

R9 000

Petrol Card Monthly Fee

R13,50

R13,50

Roadside Assistance per month

R5,00

R5,00

Salary paid electronically into

your account

Free

Free

Free

Free

Free

Cheque Deposits
(FNB ATM & Branch)

R16,00

R16,00

R16,00

R16,00

R16,00

Account Fee

Get money into my account

Deposit cash - FNB ATM

FNB ATM (0.7% of deposit value, minimum R5.50)

Deposit cash - FNB Branch

Shop without using cash

1,35% of deposit value, min R30

ENC Upliftment Fee

(Special Clearance)

R80,00

R80,00

R80,00

R80,00

R80,00

Deposit of post-dated cheque

R80,00

R80,00

R80,00

R80,00

R80,00

Debit Card Purchases

Free

Free

Free

Free

Free

International Card Purchases

( 2.75% Comm & Convenience
Fee applies)

Free

Free

Free

Free

Free

Petrol Card Purchases

R4,50

Free

Buy Prepaid - Cellphone

Banking & App

R1,00

R1,00

Free

R1,00

Free

Buy Prepaid - FNB ATM

R1,00

R1,00

Free

R1,00

Free

Buy Prepaid - FNB Online Banking

R1,00

R1,00

Free

R1,00

Free

Buy Prepaid FNB Telephone (IVR)

R1,00

R1,00

Free

R1,00

Free

Buy Lotto / Powerball

R1,50

R1,50

R1,50

R1,50

R1,50

Buy Prepaid at other banks ATM

R7,50

R7,50

R7,50

R7,50

R7,50

Buy Prepaid Telephone Banking

Consultant

R8,50

R8,50

R8,50

R8,50

R8,50

FNB Connect Top-up

Free

Free

Free

Free

Free

Cheapest
Smart Account

Most expensive
Transfer money between
my FNB accounts

Price Option

Unlimited

Unlimited

R1,00

R1,00

Free

R1,00

Free

ATM

R4,20

R3,30

Free

R3,30

Free

Online

R4,20

R3,30

Free

R3,30

Free

Telephone (Consultant)

R27,50

R27,50

R34,00

R27,50

R34,00

Branch

R33,00

R33,00

R40,00

R33,00

R40,00

Cellphone and App

R1,00

R1,00

Free

R1,00

Free

FNB ATM, Online,

Telephone (IVR)
& scheduled

R10,00

R7,00

Free

R7,00

Free

Telephone
(Consultant)

R27,50

R27,50

R34,00

R27,50

R34,00

Payments

Branch

R33,00

R33,00

R40,00

R33,00

R40,00

Cheque

R33,00

R33,00

R40,00

R33,00

R40,00

Bank Cheque

R74,00

R74,00

R74,00

R74,00

R74,00

Email

R0,68

R0,68

R0,68

R0,68

R0,68

SMS

R1,05

R1,05

R1,05

R1,05

R1,05

FAX

R4,85

R4,85

R4,85

R4,85

R4,85

Establishment and
amendment: online

Free

Free

Free

Free

Free

Establishment - branch

R12,50

R12,50

R12,50

R12,50

R12,50

Amendment - branch

R9,50

R9,50

R9,50

R9,50

R9,50

Payment
Notification

Debit Orders

PAYU

Cellphone and App

Make a payment to
another persons or
companys account

Scheduled Payment Fees

Zero

Smart Cheque Account

PAYU and
Fee Saver*

Internal Debit Order

R4,20

R3,50

Free

R3,50

Free

External Debit Order

R15,00

R9,35

Free

R15,90

Free

Unpaid Debit Order

R5,00

R60,00 for first 3, then R138,00 per item

within 12 months

Other fees on Smart Account and Smart Cheque Account

R105,00
Smart Account

Send money using eWallet

Get Cash

Get Credit

Overdraft

Get a cheque book

PAYU and
Fee Saver*

Unlimited

Send R20 - R1 000

R8,50

R8,50

R8,50

R8,50

R8,50

Send R1 001 - R2 000

R12,50

R12,50

R12,50

R12,50

R12,50

Send R2 001 - R3 000

R16,50

R16,50

R16,50

R16,50

R16,50

Cash at a Till (e.g. Shoprite

Checkers, Pick n Pay, PEP,
Boxer and selected Spar)

R2,00

R0,90

Free

Free

Free

FNB Mini ATM: R500

R4,20

R3,00

Free

R3,00

Free

FNB Mini ATM:

R501 - R1 000

R8,40

R6,00

Free

R6,00

Free

Other banks Mini ATM: R500

R4,20

R4,50

R7,50

R4,50

R7,50

Other banks Mini ATM:

R501 - 1000

R8,40

R9,00

R7,50

R9,00

R7,50

FNB ATM: R500

R10,00

R6,30

FNB ATM: R501 - R1 000

R20,00

R12,60

FNB ATM: R1001 - R1 500

R30,00

R18,90

FNB ATM: R1 500+

R40,00

R25,20

Cardless Cash

Get a new card

Unlimited

PAYU

Zero

Price Option

Smart Cheque Account

R6,30
6 Free every
month, then PAYU
plan pricing

R12,60
R18,90

6 Free every
month, then PAYU
plan pricing

R25,20
R4,00 + FNB ATM fee on PAYU option

Other Banks ATM

R10,00 + FNB ATM fee

FNB Branch cash

and cashed cheque

R33,00 +1,49%
of withdrawal
amount

R33,00 +1,49%
of withdrawal
amount

R6,50 + FNB ATM fee

R40,00 +1,49%
of withdrawal
amount

R33,00 +1,49%
of withdrawal
amount

R40,00 +1,49%
of withdrawal
amount

International ATM
( 2.75% Comm & Conv Fee applies)

R33,00

R25,00

R40,00

R25,00

R40,00

International Branch (l 2.75%

Comm & Conv Fee applies)

R33,00 +1,50%
of withdrawal
amount

R25,00 +1,50%
of withdrawal
amount

R40,00 +1,50%
of withdrawal
amount

R25,00 +1,50%
of withdrawal
amount

R40,00 +1,50%
of withdrawal
amount

Chip and Pin card

(non-personalised)

R75,00

R75,00

R75,00

R75,00

R75,00

Personalised Card

R105,00

R105,00

R105,00

R105,00

R105,50

Petrol Card

R105,00

R105,00

Monthly credit service fee:

up to R199.00 of facility

Free

Free

Monthly credit service fee:

more than R200 of facility

R30,00

R30,00

40 Form (pages)

R38,50

R38,50

25 Form (pages)

R42,50

R42,50

Vouchers (cashed cheques

returned to you) - Online

Free

Free

Vouchers (cashed cheques

returned to you) Branch and
Telephone (consultant)

R20,00
(per side)

R20,00
(per side)

*When you maintain a R9 000 balance in your account throughout the mouth on the Fee Saver pricing option you quality for the following benefits:

No monthly account fee

Unlimited qualifying electronic transactions (debit orders, prepaid purchases, transfers and payments)

6 free FNB ATM cash withdrawals

A combination of 3 free branch, cheque and Telephone Banking (consultant assisted) transactions (excluding all cash and cheque deposits) per month.

Manage your account

It is cheaper to do your banking using an FNB ATM or Cellphone Banking than visiting an FNB Branch.
Fees below are listed from cheapest to most expensive to help you make the best choice.
Cheapest

Most expensive

Know how much money is in my account

Subscriptions
(Registration needed)

Check my Balance
(Customer request)

Balance Alert
(Registration needed)

Insufficient Funds Alert

(Registration needed)

Cellphone Banking & Online Banking

Free

In Contact

Free

Scheduled Payment Alert

R2,75

FNB ATM, Cellphone Banking, Online Banking, Telephone Banking (IVR), App

Free

POS

R1,35

International POS

R2,50

Telephone Banking (with a consultant)

R3,95

FNB Branch

R3,95

Other Banks ATM

R3,95

Monthly

R0,90

Weekly

R2,95

Daily

R14,80

We will notify you when there is no money for a debit order in your account

Free

Monthly statement - emailed or collected from branch

R11,00 Per Page

Mini statement cellphone banking mini statement

Free

Mini statement - FNB ATM

R2,80

Email of historic: Online (per statement)

R5,50

Email of historic: Branch & Telephone (per statement)

R11,00

Provisional statement requested via FNB Branch and telephone (per page)

R11,00

Posted/printed monthly statement

R11,50

Daily

R80,00

Weekly

R32,00

Twice Monthly

R16,00

Daily

R44,00

Weekly

R20,00

Twice Monthly

R11,00

Get my account statement

Paper

Additional
Statements
Smart Cheque
Account Only

Online

Cheapest

Most expensive

Stop a debit order

Cellphone Banking

R5,00

Online Banking

R5,00

Telephone Banking (with a consultant)

R15,00

FNB Branch

R35,00

FNB ATM Decline

Free

Unpaid debit order - Smart Account Only

R5,00

All other declined transactions

R7,00

Reversal of incorrect Send Money to eWallet transaction

R20,00

Account balance exceeded (monthly incidental credit fee applicable

for accounts opened after July 2007)

R57,00

Unpaid cheque or debit order Smart Cheque Account only

R60,00 for first 3,

then R138,00 per
item within
12 months

Honouring Fee (applicable for Smart Cheque Accounts opened before

the National Credit Act)

R100,00 for first 3,

then R135,00 per
item within
12 months

Online Banking Account Verification (FNB & other Banks accounts)

R4,10

Online Banking: Viewing of payment history (older than 3 months)

R4,10

Online Banking Password reset (Telephone - Consultant)

R52,50

Card Courier Fee

R120,00

Device Courier Fee

R150,00

Cheque Book Courier Fee( applicable to Smart Cheque Account only)

R150,00

Penalty Fee
Unnecessary
Avoid if possible

Other Fees

eWallet from FNB

It is easy to send money to anyone, anywhere in South Africa using FNB Cellphone Banking, an FNB ATM or FNB Online Banking. All you need
to receive money is a valid South African cellphone number.
eWallet
Monthly Fee

Free

Balance enquiry

Free

Send money to eWallet

From FNB Account to eWallet: R20 - R1 000
From FNB Account to eWallet: R1 001 - R2 000
From FNB Account to eWallet: R2001 R3000
Send money from eWallet to another eWallet

R8,50
R12,50
R16,50
R8,50

Deposit money in eWallet

Cash deposit at an FNB ATM

R5,00

Transfer money
Transfer from eWallet to your FNB account

R2,50

From FNB Smart/Smart Cheque Account - Unlimited pricing plan

Free

From FNB Smart/Smart Cheque Account - Zero and Pay-as-you-use pricing plan

R3,30

Payments
Purchase at store
Payment to a bank account
Buy prepaid airtime, electricity, data from FNB

Free
R2,50
R2,50

Get cash
FNB ATM Cash Withdrawals (first withdrawal per send is free)

R6,00 per R500

(max R18,00)

Cash at a Till at selected retailers

Free

Penalty Fee
Monthly Dormancy Fee (if you do not use eWallet for six months)
Reversal of incorrect Send Money to eWallet transaction
Declined Transaction at an FNB ATM

R5,00
R20,00
Free

Mzansi and Social Grant Account

Account

Important to know:

Monthly Cost

Mzansi

- You do not pay a monthly fee

- You pay for 8 transactions a month, then you pay an additional fee of R8.00 per transaction after
- Mzansi Account holders are limited to a maximum balance of R15 000 every month
- You are allowed to have debit orders with this account

R0,00

Social Grant

- This account is no longer available for new customers and is valid only if you live in the eastern Cape,
and get a grant of any kind from Eastern Cape Government
- You are not permitted to have debit orders with this account

R6,20

Account Fee
Monthly cost for my account

Mzansi
-Free
Social Grant - R6,20

Card Issuing Fee (Charged every month for first 6 months after account opening - Mzansi ony)

R5,00

Get money into my account

Cheque Deposits (FNB ATM, & Branch)

R16,00

Deposit cash - FNB ATM

First free, then R6,20

Deposit cash - FNB Branch

Mzansi
-R12,00
Social Grant - R15,00

ENC Upliftment Fee

R80,00

Shop without using cash

Card purchases

Free

FNB Connect Top-up

Free

Buy Prepaid - ATM, Cellphone, Online, Telephone (IVR), & App

R1,00

Buy Prepaid - Other Banks ATM

R7,50

Buy Prepaid - Telephone Banking (consultant)

R8,50

Buy Lotto / Powerball

R1,50

Transfer my money to a linked account

ATM

R6,20

Cellphone

R1,00

Online

R6,20

Telephone (consultant)

R27,50

Branch

R33,00

Make a payment - transfer money to another account

Cellphone and App

R1,00

ATM, Online, Telephone (IVR) & scheduled

R6,20

Internal debit order

R3,30

External debit order

R6,20

Telephone (consultant)

R27,50

Cheque Payments

R33,00

Branch

R33,00

Pay and clear now

R38,00

Scheduled payment fees

Establishment and amendment: online

Free

Establishment - branch

R 12,50

Amendment - branch

R 9,50

Send money using eWallet

Send up to R1000

R 8,50

Send R1001 - to R2000

R 12,50

Send R2000 R3000

R16,50

Get Cash
Cash@Till TM (e.g. Shoprite Checkers, Pick n Pay, PEP, Boxer and selected Spar)

R 0,90

FNB Mini ATM: R0 - R1000

R 2,50

FNB ATM

R 6,20

Other Banks ATM and Mini ATM (R0 - R1000)

R 6,20

Cardless Cash

R4,00 + FNB PAYU ATM

FNB Branch Cash & Cashed Cheque

Mzansi R12,00

Social GrantR15,00

Things I need to avoid

No money to pay debit order (unpaid cheque/debit order)

First free, then R5,00

Honouring Fee

R100 for first 3,

then R135,00

Monthly incidental credit fee / account balance exceeded

R 57,00

FNB ATM declined

Free

All other declined

R 7,00

Reversal of incorrect Send Money to eWallet transaction

R 20.00

Deposit of post-dated cheque

R 45,00

Card replacement: Electron

R 75,00

Know how much money I have in my account

Balance enquiry at FNB
Balance enquiry at POS
Other banks ATM

Free
Free
R 1,25

Other Fees
Online Banking Password reset (Telephone - Consultant)

R 52,50

Online Banking Account Verification (FNB & other Banks accounts)

R 4,10

Viewing of payment history (older than 3 months)

R 4,10

Get a statement
Subscription: FNB Cellphone Banking

Free

Subscription: FNB Online Banking

Free

Subscription: Scheduled Payment Alert

R 2,75

Subscription: My Limit Alert

R 2,95

Get a statement
Balance Alert: Monthly

R 0,90

Balance Alert: Weekly

R 2,95

Balance Alert: Daily

R 14,80

Payment notification: email

R 0,68

Payment notification: SMS

R 1,05

Payment notification: fax

R 4,85

Cellphone Banking Mini Statement

Free

FNB ATM (mini-statement)

R 2,80

Provisional Statement (branch)

R 11,00 per page

Stokvel and Smart Save Account

Account

Important to know:

Monthly Cost

Stockvel Account

- A book-based savings account for a group of people who want to save together

R5,50

Smart Save
Account

- This account is no longer available to new customers

- If you have R5000.00 in your Smart Save Account at all times during the month, you will get
10 free transactions (this does not include cash deposits, special instructions, penalty fees
or statement charges)

R5,50

Account Fee
Monthly cost for my account
Minimum balance for rebate

R5,50
R5000,00

Get Cash
FNB Branch

R24,00

Put cash into my account

Cheque Deposits at FNB ATM & Branch (per deposit)
Cash deposit at FNB ATM

R 16.00
0.70% of deposit
amount (min R5.50)

Cash deposit at FNB Branch

R4.00+1.49% of
deposit amount

Linked Account Transfers

Cellphone Banking and App

R1,00

FNB ATM, FNB Online Banking & Scheduled transfer,

Telephone Banking (IVR)

R3,30

Manage my account
Account Statements at FNB Branch or telephone banking

R11,00 per page

Penalty Fees
Lost book replacement fee

R24,00

Bank Smart
Need more help with pricing options and banking fees?
Visit your nearest FNB Branch
Call the FNB Pricing Line on 087 575 9404
Use the Online Fee Calculator on www.fnb.co.za

To save money, here are some tips to help you:

1. Go cashless
Use your card to pay for goods
Use Cellphone Banking

Important information about our products and prices

2. How to avoid wasting money
Make sure you have enough money in your
account for your debit orders to avoid being
charged a penalty fee
Use an FNB ATM Advance to deposit cash 24/7the money is immediately available

FirstRand Bank Ltd reserves the right to change pricing and package pricing plans or introduce new
fees from time to time. We will give you at least 20 business days notice of these changes on the FNB
website or on FNB ATMs

Errors and omissions are excluded

You must apply for each facility or product individually. The granting of any facility or product is subject
to you meeting the credit and qualifying criteria of that product or facility

Each facility or product has a set of terms and conditions relevant to that facility or product. We agree
to these terms and conditions with the applicant. If there is a conflict between product and facility
specific terms and conditions and what is outlined in this pricing guide, we will follow the normal terms
and conditions that apply to such facility or product

3. Use Cellphone Banking

Use Cellphone Banking to:
Buy prepaid airtime, electricity, and data
Check your account balance
Get a mini statement
Stop debit orders
Pay your clothing accounts
Pay your bills/accounts
Play Lotto
To register for Cellphone Banking
dial *120*321#
Select more features then continue
Enter the last 4 numbers on your FNB card
Enter the PIN number for your FNB card
Choose a Cellphone Banking PIN
(keep this secret)
You are now ready for Cellphone Banking:
Dial *120*321# to use Cellphone Banking
Dial *130*321# to buy airtime with no
airtime

The Bank reserves the right to change at any time the features of any product or facility

First National Bank, a division of FirstRand Bank Ltd, is an Authorised Financial Services Provider