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Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange

Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan

step up yourbanking experience.

Private Clients Pricing guide 1 July 2016 – 30 June 2017

Terms, conditions and rules apply.

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

Contact usImportant informationeBucks Rewards and benefits Ways to bank Introduction eB



Introduction

This pricing guide will assist you in understanding

your bank charges and help you make banking

choices that enable you to get the most out of

banking with us.

All fees quoted are VAT inclusive and are effective

from 1 July 2016 to 30 June 2017.

Open the door to greaterfinancial freedom

As your life changes, matures and evolves, so

too should the products designed to meet your

financial and lifestyle needs. At FNB we recognise

that at a certain point in your banking lifecycle,

a more focused approach to financial planning

and greater levels of service become essential.

Paramount to your Private Clients experience will

be your dedicated Private Banker – your Go-to

Guy, on standby to assist you with absolutely all

of your banking needs. Your Private Banker is your

convenient single point of contact with the bank

and is supported by a team of specialists.




Your financial journeyLiabilities

Private Banker

Team of specialists

Financial AdvisorsHolistic financial planning and leading local and international investment solutions.

Portfolio ManagersThe creation of an investment portfolio that is personalised to your investment profile. Let our experience and connections work for you. Through Ashburton Investments, the investment management arm of the FirstRand Group, you have exclusive exposure to a variety of investment options.

StockbrokersFull service stockbroking offering built on trust and the creation of solid, long-term relationships. FNB Securities is one of the largest independent retail stockbroking outfits, driven by an experienced team of professional stockbrokers and guided exclusively by your best interests.

Fiduciary SpecialistsPersonalised solutions to protect your future, including estate planning, wills and trusts.

Digital Banking: FNB Banking App,

Online Banking

24/7 Dedicated Private Clients Service Suite

Assets

Investing

Credit

Foreign Exchange

Insurance

Financial planning

Life planning

Transacting

Connectivity

eBucks Rewards and benefits




Where can I apply for Private Clients?

If you earn above R750 000.00 per annum and

have total monthly deposits of R32 500.00 into

your cheque account, you can apply for Private

Clients by:

• Visiting the FNB website

• Visiting your nearest branch

• Calling FNB Direct on 0860 327 827




Ways to bank

Private Clients Cheque and Credit Cards

Swipe your card instead of using cash. It is safer,

cheaper and more convenient, and qualifying

clients earn eBucks.

Online Banking and the FNB Banking App

Use our innovative, secure electronic channels to

perform day-to-day transactions such as:

You can also contact your Private Banker via the

FNB Banking App. Simply open the FNB Banking

App, select the “Contact Us” icon and select

“My Private Banker” to get the contact details

of your Private Banker.

Dedicated 24/7 Service Suite

Contact the Private Clients Service Suite at any time

on 087 575 4727 for assistance with all of your

day-to-day banking needs such as:

• General banking queries

• Banking transactions

• Fraud queries

• Card renewals/activations or cancellations

• Official bank letters required by institutions

(eg, Visa letters)

Making once-off payments

and transfers

Applying for credit or increasing

your credit limit

Setting up scheduled payments

and transfers

Retrieving historical statements

Card and PIN maintenance

Stopping cheques and/or debit orders

Ordering Foreign Exchange

Global Payments and Receipts

Making prepaid purchases





Switch on your banking benefits with a host of

rewards and benefits to suit every aspect of

your lifestyle.

Safe and convenient shopping complete with the best rewards

Earn up to 10 times more eBucks when you pay

with your Private Clients Credit Card for in-store

and online shopping.

back in eBucks when you swipe your

Private Clients Credit Card and 0.25%

back when you swipe your Private

Clients Cheque Card

back in eBucks when you shop online

using your Private Clients Credit Card

and 0.5% back when using your Private

Clients Cheque Card

back in eBucks when you shop at

Checkers & Shoprite

back in eBucks when you fill up at any

fuel station, buy Gautrain tickets, or

when using Uber domestically

Earn up to Earn up to

Earn up to Earn up to

2.5% 5%

15% 15%






Switch on your banking benefits with a host of

rewards and benefits to suit every aspect of

your lifestyle.

Safe and convenient shopping complete with the best rewards

Earn up to 10 times more eBucks when you pay

with your Private Clients Credit Card for in-store

and online shopping.

back in eBucks when you buy prepaid

electricity electronically through FNB

back in eBucks on your qualifying FNB

Connect contract or when loading FNB

Connect prepaid airtime

back in eBucks on your transaction

charges when you send or receive

foreign currency payments online

or via the FNB Banking App, or when

receiving foreign currency payments

regularly by authorising FNB to convert

these funds on your behalf with a

standing instruction, through FNB

Foreign Exchange

Earn up to

Earn up to

Earn up to

40%

15%

40%

50%





To qualify for eBucks Rewards, you must:


For more information on eBucks Rewards,

visit

Other eBucks benefits

eBucks Lifestyle

An eBucks Lifestyle consultant will assist you with:

• All your travel arrangements (flights, car rental

and accommodation)

Have a Private Clients Cheque

Account that is active (which means

that you transact on the account),

and where you either:

• deposit a minimum amount of

R32 500.00 per month; or

• maintain a minimum balance

of R75 000.00 throughout

the month

Have an active Private Clients

Credit Card.

Login to the FNB Banking App at

least once a month, using your own

banking profile.

Ensure that all of your accounts are

in good standing (which means that

they are not overdrawn, in arrears or

in default, or missed a premium, and

you are not undergoing sequestration

or any legal process).

• Gifting services like ordering flowers, wine, gift

vouchers and hampers

• Lifestyle experiences such as spa days, hot air

balloon rides and luxury picnicking

• Dining reservations and sourcing sport and

event tickets

• Access to exclusive discounts on a special

collection of game lodges and hotels

To get in touch with the eBucks Lifestyle Desk,

contact your Private Banker, call the team

directly on 087 575 0050 or email

You will also enjoy:

• Free Avis Point2Point local trips per year when

booked via the eBucks website




Access to airport and business lounges

Enjoy access to:

Terms, conditions and rules apply.1To access Priority Pass International Lounges, email and request your complimentary Priority Pass card three weeks before your travel date.

Get free AA Emergency Roadside

Assistance on your linked Private

Clients Petro CardSLOW Domestic Lounges

SLOW International Lounge

SLOW in the City

Priority Pass International Lounges1

For SLOW Lounge entry criteria and rules,

visit

Enjoy free Comprehensive Global

Travel Insurance when using your

Private Clients Cheque or Credit

Card to pay for return local and

international travel tickets

Travel home safely with free Take Me

Home trips (available on your linked

Private Clients Petro Card)

Peace of mind for you and your family




Private Clients Cheque Account

The Private Clients Cheque Account offers

you flexibility, convenience and simplicity

when transacting.

What the Private Clients Cheque Account offers you

2Subject to credit approval.

• A dedicated Private Banker, supported by a team

of specialists. The specialist team includes:

• Financial Advisors

• Fiduciary Specialists

• Portfolio Managers

• Stockbrokers

• Free debit order and salary switching

• Free card replacement and delivery, as well as

no annual card fees

• Free monthly email statements

• Free subscription to inContact, which alerts you

of activity on your account

• A variety of credit solutions as well as a linked,

personalised interest rate2

• Smartphones and tablets at discounted prices

over a 24-month period with 0% interest2

• Enhanced in-store security with Visa’s Chip &

PIN technology

• Safer online shopping with Online Secure, which

sends a One Time PIN (OTP) to your cellphone to

validate your purchases

• Exclusive rewards and benefits – see the

‘eBucks Rewards and benefits’ section for

more information

You and your financial journeyBank anywhere and everywhere

with our secure electronic channels:

• Online Banking

• Cellphone Banking

• FNB Banking App

Your Private Banker - your Go-to Guy

24/7 Dedicated Private

Clients Service Suite

Team of specialists




One Account

A single facility account designed to cater for your

property finance and transactional needs, thus

combining your property finance account and your

transactional account into a single facility account,

secured by your home.

Select from two different pricing options:

Note that these options are not applicable to

business accounts.

1. Unlimited

2. Bundled

If you maintain a credit balance of R75 000.00

in your cheque account at all times, your monthly

account fee will be waived.

Islamic Cheque Account

This account offers similar features, pricing,

benefits and rewards to the Private Clients Cheque

Account. The main differences are:

You may be eligible for a monthly

profit share on your Islamic Private

Clients Savings Pocket

No debit or credit interest

No overdraft or loan facilities




2. Bundled pricing option

Pay a fixed monthly fee for both your cheque

account and credit card. This fee includes all

the benefits of the Unlimited pricing option

stated above.

The following fees are also included under

this option:

Note: the Bundled pricing option is only applicable

to individuals, joint accounts do not apply.

All fees quoted in the tables to follow are

VAT inclusive.

Monthly cheque account fee

Petro Card fee (linked to your Private

Clients Credit Card)

Additional credit card fee (linked to your

Private Clients Credit Card)

Free eBucks linkage

Credit card facility service fee

1. Unlimited pricing option

Pay a fixed monthly fee for your cheque account

and always be in control of what you pay. You get

unlimited electronic banking transactions

which include:

Debit orders

Card purchases

Payments and transfers using our

electronic channels

Prepaid purchases using our

electronic channels

Monthly credit card fee

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Monthly account fees and included transactions on your cheque account

Transactions not mentioned, or in excess of the

limits above, will attract standard fees as per the

table to follow.

3Refer to terms and conditions of credit agreement.

Pricing option Unlimited Bundled

Monthly account fee R285.00 R365.00

Minimum balance for monthly fee to be waived R75 000.00

Other product fees included in your monthly cheque account fee –

Monthly cheque account feeMonthly credit card feeCredit card facility service feePetro Card fee (linked to your Private Clients Credit Card)Additional credit card fee (linked to your Private Clients Credit Card)

Monthly overdraft service fee R68.40

Rebate on monthly overdraft service fee3 R38.40 R68.40

Monthly revolving loan service fee R68.40

Card purchases Free

Prepaid purchases Free

Electronic payments and transfers Free

Debit orders (internal and external) Free




4Monthly account fees effective from 1 July 2016.5New One Account agreements granted from 1 July 2016.

Pricing option Unlimited Bundled

Cash@Till™ withdrawals Free

FNB ATM cash withdrawals 12 free Free

FNB ATM cash deposits Free up to R10 000.00 Free up to R20 000.00

eBucks Rewards subscription Free

Subscription to inContact, Online Banking, Cellphone Banking, Telephone Banking and FNB Banking App Free

One Account

Monthly account fee4 R353.40 R433.40

Once-off initiation fee (for new accounts only)5 R5 985.00

Other transaction fees applicable on your cheque account

Transaction description Fee

Purchases

Card purchases

Petrol card fuel purchases R5.00

Commission and currency conversion fee on international card purchases 2.75% of transaction value

Monthly account fees and included transactions on your cheque account

Transactions not mentioned, or in excess of the

limits above, will attract standard fees as per the

table to follow.





6International currency commission and conversion fee of 2.75% of the transaction value applies.


Prepaid airtime

Other banks’ ATMs R10.00

Cash withdrawals

FNB Slimline ATM R5.00

FNB ATM R1.85 per R100.00

Other banks’ ATMs/other banks’ Mini-ATMs R7.00 + FNB ATM fee

International ATM cash withdrawals6 R60.00

FNB branch/cheque R60.00 + R1.85 per R100.00

International branch6 R60.00 + R1.85 per R100.00

Deposits

Cash deposits


FNB branch R1.85 per R100.00 (min R60.00)

Cheque deposits

FNB ATM/FNB branch R40.00

Special clearance fee R120.00

Effects not cleared upliftment fee R120.00





Linked account transfers

FNB branch, Telephone Banking (consultant assisted) R60.00

Payments

FNB branch, Telephone Banking (consultant assisted) R60.00

Issue of bank cheques (per cheque) R100.00

Scheduled payments

Scheduled payment establishment/amendment fee (Online Banking) Free

Scheduled payment establishment/amendment fee (FNB branch) R15.00

Stop payment instructions

Online Banking R5.00

Telephone Banking (consultant assisted) R17.50

FNB branch R50.00

Payment notifications

Email R0.80

SMS R1.20

Fax R6.00

Cheque books

40 forms R80.00






Electronic subscription fees (per month)

My Limit Alert R3.00

Scheduled payment alert fee R3.00

Balance alerts (per month)

Daily R15.00

Weekly R3.00

Monthly R1.00

Balance enquiries

Online Banking, Cellphone Banking and FNB Banking App Free

Point of sale (Private Clients Visa Cheque Cards only) R1.50

FNB branch and Telephone Banking (consultant assisted) R5.00

Other banks’ ATMs R5.00

International Point of sale balance enquiries R5.00

Statements

Emailing of current monthly statement (plus optional workable data files) Free

Monthly posted statement (per statement) R13.00

Mini-statements (Cellphone Banking) Free






Statements

Mini-statements (FNB ATM) R3.00

Printed statements (Smart Kiosk, per page) R3.50

Printed statements (FNB branch, Telephone Banking, per page) R13.00

Historical statements older than 3 months (Online Banking, per statement) R6.00

Provisional email statement (FNB branch, Telephone Banking, per statement) R13.00

Additional statements (fee per month) Paper Online

Daily R106.00 R50.00

Weekly R43.00 R23.00

Twice monthly R22.00 R13.00

Returned item fees

FNB ATM (insufficient funds or daily limit exceeded) Free

Other returned item fees (other banks’ ATMs, local and international Point of sale, scheduled payment) R8.50

Cheque/debit orders (per item within a 12-month period) R55.00 for first 3, thereafter R145.00

Payment honouring fee R75.00






Credit-related fees

Revolving loans

NCA clients

Monthly service fee R68.40

Value-added services fees

LOTTO/PowerBall purchases, prepaid electricity, prepaid Pay TV, iTunes, traffic fines7 R1.85

MultiChoice payments R5.30

Pay & Clear Now R42.00

Cardless cash withdrawals R1.85 per R100.00

Send money to eWallet

R20.00 – R3 000.00 R9.95

Reversal of incorrect ’Send money to eWallet’ transaction R50.00

Send money to Zimbabwe/Mozambique

R20.00 – R1 000.00 R45.00

R1 000.01 – R2 000.00 R70.00

R2 000.01 – R3 000.00 R105.00


7LOTTO purchases are excluded from the Islamic Cheque Account.





Other fees

Cheque book courier fee R200.00

Voucher retention (Online Banking) Free

Voucher retention (FNB branch, Telephone Banking – consultant assisted) R55.00

Online Banking payment history (older than 3 months) R6.00

Online Banking account verification fee (FNB and other banks’ accounts) R5.00

Wrongfully disputed debit order fee (if disputed after 40 days and valid agreement exists) R130.00

Monthly petrol card fee (linked to your Private Clients Cheque Account) R16.50

Monthly device payment fee8 Device dependent


8Only applies if you have taken up an FNB smartphone/tablet/laptop offer.




Private Clients Credit Card

The Private Clients Credit Card is an ideal

transactional banking tool that offers you flexibility

in terms of pricing, as well as exclusive benefits that

are suited to your lifestyle.

What a Private Clients Credit Card offers you

Free credit card swipes

Up to three free linked Petro Cards

Free lost card protection and

PIN replacement

Free protection against fraud with

Online Secure

Enhanced in-store security with Visa’s

Chip & PIN technologyUp to 55 days interest free

Free eBucks linkage

Free subscription to our secure and

innovative self-service electronic

channels (Online Banking, Cellphone

Banking and the FNB Banking App)

that allow you to bank anywhere

and everywhere

Up to three free additional credit cards

Earn more eBucks when shopping

using your Private Clients Credit Card.

Remember every swipe is free


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Private Clients Credit Card

Your Private Clients Credit Card fees are segmented

in the table to follow.

Free transactions

The transactions in the table to follow are free on

the Standalone and Bundled Credit Card options.

Transaction description

Fees

Credit card monthly rewards fee

Card purchases

Credit card purchases10

Credit card budget purchases10

Balance enquiries

FNB ATM

FNB branch

International ATM

Other banks’ ATMs

9Limited to three free cards, thereafter a card fee of R15.50 per month will apply per additional credit card and R26.50 per month per linked Petro Card.10International currency commission and conversion fee of 2.75% of the transaction value applies.

Monthly account fees Fee

Standalone monthly credit card fee (included in Bundled pricing option) R157.00

Credit facility service fee (included in Bundled pricing option) R13.00

Additional credit card fee (linked to your Private Clients Credit Card)9 Free

Petro Card fee (linked to your Private Clients Credit Card)9 Free

Once-off initiation fee (for new accounts only) R165.00




Free transactions

The transactions in the table to follow are free on

the Standalone and Bundled Credit Card options.

Excluded transactions

The following transactions will be charged for in

addition to your Standalone Credit Card monthly

account fees and/or Bundled fees:

Transaction description

Statements

Official monthly email statement

FNB ATM mini-statement

Historical email statements

Other fees

Changes to account limits

Card replacement fee

Card delivery courier fee


Purchases

Fuel transaction fee (Petro Card only) R5.00

Linked account transfers and account payments

Linked account transfers (including IVR Smart Transfer payments to FNB) R3.70

Third-party payments (including IVR Smart Transfer payments) R7.35

Telephone Banking (consultant assisted) R60.00

Transfers and payments (FNB branch) R60.00









Cash withdrawals


Other banks’ ATMs R7.00 + FNB ATM fee

FNB branch R60.00 + R1.85 per R100.00

International ATM/branch11 R60.00 + R1.85 per R100.00

Cash on budget R60.00 + R2.75 per R100.00

FNB Slimline ATM R1.85 per R100.00

Other banks’ Mini-ATMs R7.00 + FNB Slimline ATM fee

Cash deposits

FNB ATM with Automated Deposit Terminal (ADT) R0.80 per R100.00

FNB branch and FNB ATM with envelope deposit R60.00 + R1.85 per R100.00

Cheque clearance

Cheque clearance fee R280.00

• FNB ATM

11International currency commission and conversion fee of 2.75% of the transaction value applies. This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATMs charge an additional surcharge.




12LOTTO purchases are excluded from the Islamic Cheque Account.


Voucher retrieval requests

Local R95.00

International R280.00

Other fees

Bank cheque administration fee R100.00

Declined transaction fee R8.50

Fast-track card delivery fee (per card, 24-hour delivery on request) R425.00

International card delivery fee As per delivery quote

Section 129 letter fee R59.79

Value-added services fees

Cardless cash withdrawals R1.85 per R100.00

Pay2Cell R4.00

Prepaid transaction fee (FNB ATM, Cellphone Banking, Online Banking and Telephone Banking) R2.20

LOTTO/PowerBall purchases12 R2.20

Send money to eWallet

R20.00 – R3 000.00 R9.95

Reversal of incorrect ’Send money to eWallet’ transaction R50.00








Foreign Exchange

Bring the world closer with our Foreign Exchange solutions

FNB offers a range of Foreign Exchange solutions

to suit your needs; whether you are travelling,

sending or receiving money globally, saving in a

foreign currency with a Global Account, managing

imports and exports, or investing offshore. Private

Clients makes it simple and convenient to transact

around the world.

• With Online Banking you can now order cash in

the currency of the country you are travelling

to, as well as a Multi-currency Cash PassportTM

in any of the four major currencies available on

the card: US Dollars, Australian Dollars, Euros

or Pounds

• Top up your funds by reloading your existing

Multi-currency Cash PassportTM online before

you go, and you can even top up while travelling

• Pay in advance for your travel arrangements

such as hotel reservations, cruises or car hire

with our Global Payments solution available

via Online Banking or the FNB Banking App on

your smartphone

• Did you know we can deliver your Foreign

Exchange? Simply select delivery when you order

Foreign Exchange online or if you prefer, you can

collect from your nearest FNB branch

13Subject to standard eBucks earn rules.Terms, conditions and rules apply.

Travelling abroad

• Open a Global Account via your Online Banking

profile in less than three minutes or through

your Private Banker, and then simply fund it via

Online Banking

• No minimum balance required and you

earn interest

• No monthly fees

• Make payments abroad and transfers between

your accounts via Online Banking

• Earnings from abroad can be paid directly into

your Global Account

• Collect additional eBucks Rewards points for

currency balances held in your Global Account13

• The funds that you have been saving in your

Global Account may now fund a Multi-currency

Cash PassportTM (prepaid travel card) for

globetrotting, all of which may be facilitated via

our Online Banking platform

Save in a foreign currency – open aGlobal Account




• Make Global Payments for gifts, tuition,

investments and more

• Save beneficiaries and upload documents online,

making it easier for you to make Global Payments

anywhere, anytime via Online Banking or the FNB

Banking App on your smartphone

• Using the global SWIFT system, funds can be sent

to or from your account from anywhere in the world

securely and quickly. Global Payments are traceable

from the time they leave your account

• Make person-to-person payments within 10

minutes to individuals abroad who don’t have

bank accounts with MoneyGramTM from FNB.

MoneyGramTM is available in more than 200

countries worldwide

Get rewarded


charges when you send or receive

foreign currency payments online

or via the FNB Banking App on

your smartphone13


charges when receiving foreign

currency payments regularly

by authorising FNB to convert

these funds on your behalf with

a standing instruction, through

FNB Foreign Exchange13

Earn up to

Earn up to

50%

50%

International payments made easy

• FNB’s Top-up Service with PayPalTM allows you

to top up funds to a PayPalTM account from a

qualifying FNB account – you don’t need a credit

card to shop online

• FNB’s Withdraw Service with PayPalTM allows

South Africans to withdraw funds from a PayPalTM

account to any South African bank account

For more information on our Foreign Exchange

solutions, contact the Foreign Exchange Advisory Team on 0860 4 FOREX (36739)

or visit

13Subject to standard eBucks earn rules.Terms, conditions and rules apply.




Foreign Exchange Foreign investment solutions Online Banking Call centre/Banker Branch

Global Account

Transfer (to Rand, from Rand, and between Global Accounts) R65.00

Global Payments and Receipts

Global Payments (sending money)Refer to Global Payments and Receipts (SWIFT) fees below

Global Receipts (receiving money)

Non Resident or Foreign National Foreign Currency Account (FCA)

Transfer from FCA to Rand account - R150.00

Transfer from Rand account to FCA - R90.00

Exchange Control applications to the SARB

Minimum fee (per application) - R1 300.00

Placing immigration on record with the SARB

Minimum fee (per application) - R100.00

Placing emigration on record with the SARB (where the client is a beneficiary of an inter vivos trust)

Minimum fee (per application) - R2 600.00




Foreign Exchange Travel solutions Online Banking Call centre/Banker Branch

Travel products bought from FNB

Multi-currency Cash PassportTM

Initial card fee R75.00 R100.00 R200.00

Secondary card (optional) - R50.00

Commission (load or reload) 1.80% (min R50.00) 1.90% (min R75.00) 2.00% (min R100.00)

Foreign notes

Commission 2.00% (min R60.00) 2.10% (min R80.00) 2.20% (min R110.00)

CMA notes (Lesotho, Namibia, Swaziland)

Commission 3.20% (min R110.00)

Delivery

Delivery fee R200.00

Travel products sold to FNB

Multi-currency Cash PassportTM

If credited to an FNB transactional account Free

If paid out in cash or credited to any other account - 1.90% (min R75.00) 2.00% (min R100.00)




Foreign Exchange Travel solutions Online Banking Call centre/Banker Branch

Foreign notes

Commission - 2.00% (min R110.00)

CMA notes (Lesotho, Namibia, Swaziland)

Commission - 3.20% (min R110.00)

International payment solutions Online Banking Call centre Branch/Banker

Global Payments and Receipts (SWIFT)

Global Payments (sending money)

Commission140.52% (min R140.00, max R650.00)

0.54% (min R150.00, max R700.00)

0.58% (min R160.00, max R750.00)

SWIFT fee R105.00

Global Receipts (receiving money)

Commission14 0.54% (min R150.00, max R700.00) -

14An additional fee of R140.00 will be charged if a payment is sent abroad or received from abroad in Rand.




Foreign Exchange International payment solutions Online Banking Call centre Branch/Banker

Low-value Global Receipt in foreign currency

Value of Global Receipt

R0.00 – R499.99 R50.00 -

R500.00 – R999.99 R100.00 -

Low-value Global Receipt in ZAR


R0.00 – R499.99 R50.00 -

R500.00 – R999.99 R100.00 -

R1 000.00 – R1 499.99 R150.00 -

R1 500.00 – R1 999.99 R200.00 -

R2 000.00 – R2 499.99 R250.00 -

Global Receipts received for pension purposes


R0.00 – R4 999.99 R25.00 -

R5 000.00 – R9 999.99 R50.00 -

R10 000.00 – R14 999.99 R75.00 -

R15 000.00 + R100.00 -




Foreign Exchange International payment solutions All channels (Branch/ATM/Cellphone Banking)

MoneyGramTM

Send amount (USD) Fee

$0.00 – $50.00 $7.00

$50.01 – $100.00 $10.00

$100.01 – $150.00 $11.00

$150.01 – $200.00 $13.00

$200.01 – $250.00 $15.00

$250.01 – $300.00 $17.00

$300.01 – $400.00 $19.00

$400.01 – $500.00 $24.00

$500.01 – $600.00 $29.00

$600.01 – $700.00 $34.00

$700.01 – $800.00 $39.00

$800.01 – $900.00 $44.00

$900.01 – $1 000.00 $49.00

$1 000.01 – $1 200.00 $55.00

$1 200.01 – $1 500.00 $63.00




Foreign Exchange

• -

International payment solutions All channels (Branch/ATM/Cellphone Banking)

MoneyGramTM

Send amount (USD) Fee

$1 500.01 – $1 800.00 $70.00

$1 800.01 – $2 500.00 $90.00

$2 500.01 – $5 000.00 $140.00

$5 000.01 – $7 500.00 $240.00

$7 500.01 – $10 000.00 $290.00

International payment solutions Online Banking Call centre Branch/Banker

Foreign cheques

Drafts issued (bank cheque drawn in foreign currency to be deposited at an overseas bank)

Commission - 1.50% (min R250.00, max R1 000.00)

Draft fee - R100.00

Bills negotiable (foreign cheques received)

Commission - 1.35% (min R250.00, max R1 000.00)

PayPalTM

Top up your PayPalTM account

Commission 1.50%

Withdraw from your PayPalTM account

Commission 1.50%





Private Clients offers you specialist lending expertise

and services to help you meet your unique wealth

needs and aspirations. Our range of flexible lending

products can be shaped to your advantage, taking

account of your particular requirements, desired

funding amount and objectives.

We specialise in providing finance for your dream

home, holiday home, investment property or rental

portfolio through our range of tailor-made lending

solutions including home loans, structured loans,

securities-based loans and building loans.


Note: the monthly service fee applicable to your

loan will be charged irrespective of the balance

outstanding and will only cease when the credit

advance has been cancelled.

For your ease of reference, fees for our product range

have been segmented in the table to follow.

Existing facility Fee

Monthly service fee (applies to clients with credit agreements concluded prior to 1 June 2007 and with a facility size of R500 000.00 or less)

R5.70

Monthly service fee (applies to NCA clients with credit agreements concluded between 1 June 2007 and 6 May 2016) R57.00

Monthly service fee (applies to NCA clients with credit agreements concluded from 6 May 2016) R68.40

Monthly service fee (applies to non-NCA clients as well as to clients with credit agreements concluded prior to 1 June 2007 with a facility greater than R500 000.00)

R215.00









New facility Fee

Once-off initiation fee on mortgage agreements (applies to clients that fall within the ambit of the NCA) R5 985.00

Once-off initiation fee on unsecured and secured credit facilities other than mortgage agreements (applies to clients that fall within the ambit of the NCA)

R1 197.00

Once-off initiation fee on unsecured and secured credit facilities other than mortgage agreements (applies to clients that do not fall within the ambit of the NCA)

R2 420.00

Structuring fee (applies to non-NCA juristic clients) % of deal size and is variable based on deal structure

Valuation fees Fee

Property revaluation fee R1 550.00

Early termination fees

A fixed rate breakage fee is charged when a fixed rate is cancelled prior to expiry

An early termination fee is charged when your loan is cancelled without providing 90 days’ notice. The fee is equal to no more than the interest that would have been payable under the agreement for the period equal to the difference between the 90 days and the period of notice of settlement, given by you




Other fees Fee

Unpaid debit order fee (applies to non-NCA juristic clients) R200.00

Bank cheque commission R100.00

Non-standard guarantee fees Fee

Property guarantees (applies to Structured Loan) R2 500.00 bi-annually

Property guarantees (applies to Securities Based Loan only)1.7% p.a. of value of guarantee issued bi-annually (min R2 500.00)

Performance guarantees1.7% p.a. of value of guarantee issued bi-annually (min R2 500.00)

Performance guarantees (if client uses own funds to issue the guarantee) R2 500.00 bi-annually






Note: property guarantees are only valid for six

months. Amendments will be charged the full rate as

per the table to follow.




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, we will give you at

least 20 business days’ notice of these changes.

You’ll find changes on FNB’s website or FNB

ATMs, and/or on your bank statement

• 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 we

describe individually. The grant of any facility or

product is subject to you meeting, and continuing

to meet the criteria for that facility or product

• Each facility or product has standard terms and

conditions that apply to that facility or product.

We agree to these terms and conditions with the

applicant. If there is disagreement between the

product or facility-specific terms and conditions

and what is outlined in this pricing guide, we will

follow the product or facility-specific terms and

conditions that apply to such a facility or product

• FNB reserves the right to change the features of

any product or facility at any time

• Fees quoted as “per R100.00” 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 2016 to 30 June 2017




Glossary of terms

Pre NCARefers to clients with credit

agreements concluded prior

to 1 June 2007

Post NCARefers to clients with credit

agreements concluded from

1 June 2007

Mortgage agreement

An agreement in terms of which

credit is secured by way of

security in the form of a pledge

of immovable property, such as

a home loan secured by way of

a bond over the property

Service fee

A service fee is a fee that a credit

provider charges a consumer

for servicing a credit agreement

between them. The fee is for

administering or maintaining the

credit agreement

Initiation fee

The initiation fee is a fee that

a credit provider charges a

consumer for entering into a

credit agreement with

that consumer

Payment honouring fee

A service fee charged for each

payment honoured where

there is not enough money in

your transactional account

Standard terminology

To comply with Section 13 of the Code of Banking

Practice (COBP) and to assist you in comparing our

charges with those of other banks, we have used

standardised terminology throughout this guide.

For instances where we have used FNB-specific

terminology, we have added the table to follow

indicating the appropriate standardised terminology

that may be used by other banks.




Contact us

If you would like more information, need help in

selecting the most suitable pricing option for your

banking needs, or have any questions on how to

lower your bank charges:

• Contact your Private Banker• Visit

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