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)
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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
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.
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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
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
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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
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
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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
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
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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
eBucks Rewards and benefits
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%
Terms, conditions and rules apply.
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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
eBucks Rewards and benefits
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%
Terms, conditions and rules apply.
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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
To qualify for eBucks Rewards, you must:
Terms, conditions and rules apply.
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
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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
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 | Private Clients Credit Card | Foreign Exchange
Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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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
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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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
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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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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Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
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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
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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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.
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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Other transaction fees applicable on your cheque account
6International currency commission and conversion fee of 2.75% of the transaction value applies.
Transaction description Fee
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 ATM R0.80 per R100.00
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
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
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Transaction description Fee
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
Other transaction fees applicable on your cheque account
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
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Transaction description Fee
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
Other transaction fees applicable on your cheque account
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
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Transaction description Fee
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
Other transaction fees applicable on your cheque account
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
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Transaction description Fee
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
Other transaction fees applicable on your cheque account
7LOTTO purchases are excluded from the Islamic Cheque Account.
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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Transaction description Fee
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
Other transaction fees applicable on your cheque account
8Only applies if you have taken up an FNB smartphone/tablet/laptop offer.
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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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
Terms, conditions and rules apply.
eB
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Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
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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
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
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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
Transaction description 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
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
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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 Fee
Cash withdrawals
FNB ATM R1.85 per R100.00
Other banks’ ATMs R7.00 + FNB ATM fee
FNB branch R60.00 + R1.85 per R100.00
International ATM/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.
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
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12LOTTO purchases are excluded from the Islamic Cheque Account.
Transaction description Fee
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
Excluded transactions
The following transactions will be charged for in
addition to your Standalone Credit Card monthly
account fees and/or Bundled fees:
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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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
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
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• 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
back in eBucks on your transaction
charges when you send or receive
foreign currency payments online
or via the FNB Banking App on
your smartphone13
back in eBucks on your transaction
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.
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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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
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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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)
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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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.
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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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
Value of Global Receipt
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
Value of Global Receipt
R0.00 – R4 999.99 R25.00 -
R5 000.00 – R9 999.99 R50.00 -
R10 000.00 – R14 999.99 R75.00 -
R15 000.00 + R100.00 -
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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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
Private Clients Cheque Account | Private Clients Credit Card | Foreign Exchange
Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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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 Cheque Account | Private Clients Credit Card | Foreign Exchange
Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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.
Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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
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Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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.
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
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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
Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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.
Note: property guarantees are only valid for six
months. Amendments will be charged the full rate as
per the table to follow.
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Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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
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Home Loan, Structured Loan, Securities Based Loan, Single Credit Facility and Building Loan
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.
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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