Personal Pricing Guide From FNB

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understand
your bank fees.
Personal Pricing Guide
1 July 2014 - 30 June 2015
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Account
Youth (Fluid)
Account
and Islamic
account
Student
(Lifestart)
Account
Savings
Account
Credit Card
eWallet
Forex
2014 - 2015
Global
accounts
First National Bank - a division of FirstRand Bank Limited.

An Authorised Financial Services and Credit Provider (NCRCP20).
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Introduction
Congratulations on making the right choice and banking with
FNB. This guide has everything you need to understand how your
bank fees are charged. It will also help you use your account in the
safest and cheapest way.
Prices include VAT and are valid from 1 July 2014 to 30 June 2015. The fees outlined in this guide are
FNBs most common fees for a detailed list of fees on your account, please visit www.fnb.co.za or chat to
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
a consultant in an FNB Branch.

FNB is making banking easier, quicker, safer and cheaper for you to do your day-to-day banking. We want
you to pay less, and get more so we have made some of the most key functions of your account FREE:
To check your balance using eChannels and Mobile Channels
You pay no fees when you use your FNB Debit, Cheque or Credit Card to pay
Access to Cellphone Banking, Online Banking and the FNB Banking App (there are no subscription fees)
For FNB to change your debit orders and switch your salary to your new account
FREE InContact; well SMS you every time more than R100 goes into, or out of, your account
Cash@TillTM; no charge for withdrawing cash at till points at selected retailers when you use your Card to
pay for your shopping
eChannels consist of the following:
FNB ATM
Online Banking
Telephone Banking (self-help)
Mobile Channels consist of the following:
Cellphone Banking
FNB Banking App (for Smartphone & Tablet)
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
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Keeping Banking Simple

There are lots of different ways of getting things done without
going into an FNB Branch.
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Here are some easy and cost-effective ways of banking. You are welcome to visit any FNB branch
any time if you have questions, want to know more about your account or need more information.
You can also call 087 575 9404 for help.
1. Go cashless
Using cash is normally the most expensive way of banking (and also the most unsafe as it is easy
to steal or lose cash)
Paying for shopping with your FNB Card is cheaper and safer than using cash
Doing your banking at an FNB ATM, Online Banking or using your cellphone is quicker and cheaper
than going into a branch
The cheapest way to get money into your account is by electronic transfer
If you want to put cash into your account use an FNB ATM, and your cash will be available in your
account straight away. You can deposit your money any time (day or night)
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
2. Dont pay if you

dont have to
Stokvel
Account
Smart Save
Account
Credit Card
Checking your balance with FNB is FREE do this to make sure that you always have enough money
in your account for your debit orders. If you do not have enough money for a debit order, you may be
charged additional fees and this may affect your credit record.
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Introduction
3. Use Cellphone
Banking
Did you know you can do most of your banking using your cellphone?
Cellphone Banking is quick, safe, easy and works on any cellphone.
With Cellphone Banking you can:
Buy Prepaid Airtime and data by dialling *130* 321# (even if you have no airtime)
Check your account balance
Get a mini statement
Stop debit orders
Pay your clothing accounts
Pay your electricity account and other bills
Play the LOTTO or Powerball

TM
To register for Cellphone Banking
Dial *120*321#
Select more features, then continue
Enter the PIN number for your FNB Card
Choose a Cellphone Banking PIN (keep this secret)
You are now ready for self-service banking:

-
Dial *120*321# to use Cellphone Banking
Dial *130*321# to buy airtime with no airtime
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
4. Use Online Banking

Online Banking is like having your own branch wherever you have access to the internet. This
enables you to manage your money 24/7 without having to wait in a queue.
You will have access to a one-stop shop that is easy to use, intuitive and tailored to your
personal needs. It is a simple and secure way of doing your banking when it suits you - and
whats even better, is that your subscription to Online Banking is FREE. FNB customers can
easily set up their Online Banking profile by following the instructions on www.fnb.co.za.
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
TM
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Easy Account
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
An Easy Account is real

value for money.
Smart
Account
and Islamic
Smart
Account
A straightforward Bank Account meant for day-to-day transacting, no extras and no hidden costs plain,
simple banking. You spend less on bank fees every month, which means you have more money to pay for the
things that are important to you.
Fees for these options are set out below. Fees that have not changed or have been reduced are reflected in turquoise.
Transaction Description
Fee
Monthly Fees
Monthly Account Fee
R4.95
Online and Cellphone Banking Subscriptions
FREE
InContact
FREE
Linked Savings Account (Savings Pocket)
FREE
Card Purchases (Local Only)

Pay with your card
FREE
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Cash Withdrawals
Cash@Till
FNB ATM
FREE
R4.55 per R1 000 (Max R9.10)
Social Grant
Stokvel
Account
FNB Mini ATM/Slimline
R4.55
Other Banks Mini ATM
R4.55
Smart Save
Account
Other Banks ATM
R9.10
Credit Card
Deposits
Cash Deposit at FNB ATM
eWallet
R4.55
Cheque Deposit at FNB Branch and ATM
R 20.00 (per deposit)
Post-dated Cheque
R 80.00 (per cheque)
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Fee
Prepaid Purchases
Using eChannels & Mobile Channels
R1.10
Other Banks ATM
R3.20
Linked Account Transfers

Into Linked Savings Account (Savings Pocket)
FREE
Using Mobile Channels
FREE
Using eChannels
FREE
FNB Branch
R43.00
Payments
Stop Orders (Scheduled Payments)
FREE
R3.20
FNB Branch
R43.00
Debit Orders
Internal
R1.50
External
R3.20
Cancel Debit Order (Stop Payment)

Online
R5.00
Mobile Channels
R5.00
Telephone Banking (Consultant Assisted)
R15.00
Branch
R43.00
Scheduled Payment Related (Establishment and Amendment)
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Online
FREE
Branch
R11.50
Balance Enquiries
Stokvel
Account
Smart Save
Account
FREE
Point-of-Sale
FREE
Credit Card
Branch and Telephone Banking (Consultant Assisted)
R3.00
eWallet
Other Banks ATM
R3.30
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Fee
Statements
FNB ATM Transaction List
R3.20
Cellphone Banking Mini Statement
R3.20
Historical Statements
Branch Statements
R 3.50 (per statement)

R 3.50 (per page)
Unsuccessful Transactions (Insufficient Funds or Limit Exceeded)

FNB ATM
FREE
Other FNB (Point-of-Sale, Scheduled Payment, EDO) and Other Banks ATM
R7.50
Returned Item (Debit Order and Scheduled Payments)
R 5.00 (per item)
Card Replacement Fees

Replacement of Non-personalised Card
R38.00
Convenience and Value Added Services

Buy LOTTO/Powerball
R1.50
Pay & Clear Now
R40.00
Cardless Cash Withdrawals
R8.50
Send Money
Send Money to an eWallet
R6.00
Reversal of Send Money to eWallet
R20.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Electronic Subscriptions Services (Fee per Month)

My Limit Alert
R3.00
Scheduled Payment Alert
R3.00
Mzansi
Account
Social Grant
Balance Alert (Fee per Month)

Monthly
R0.95
Weekly
R3.00
Daily
R15.00
Payment Notifications
Stokvel
Account
Smart Save
Account
Credit Card
Email
R0.70
SMS
R1.10
Fax
R5.00
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Fee
Other Fees
Online Banking Password Reset (Consultant Assisted)
R55.00
Online Banking Account Verification (FNB Accounts and Other

Banks Accounts)
R4.35
Wrongfully Disputed Debit Order Fee (if disputed after 40 days

and valid agreement exists)
R130.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
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Smart Account and

Islamic Smart Account
A Smart Account is perfect if youre
looking for a low monthly fee, and a little
more flexibility to fit into your lifestyle.
Two pricing options are available to ensure you always get exactly what you need, without paying too much:
Unlimited Pricing Option: pay a fixed monthly fee for your account and always be in control of what you pay.
On this option you get unlimited qualifying electronic transactions using eChannels and Mobile Channels.
Qualifying transactions include:
Debit orders
Card purchases
Payments and Transfers using eChannels and Mobile Channels
Cash withdrawals using Cash@TillTM
You also get four FREE FNB ATM withdrawals every month. This is great if you earn a regular income, or you use your
account often during the month.
Pay-As-You-Use Pricing Option: This option is for you if your transactions vary from month-to-month and you do a
combination of electronic and manual transactions. You are charged for each transaction at the applicable fee.
For this low monthly fee you will also get:
FREE Card purchases
FREE cash withdrawals using Cash@TillTM
FREE mini statements and balance enquiries using Mobile Channels
Please note that fee rebates are no longer offered on the Pay-As-You-Use Pricing Option.
Exclusive for Smart Account Holders:

As a Smart Account customer, you can get FREE airtime* every month if you bank smart! Qualifying to get FREE
airtime* is easy, all you need to do every month is:
Have an active Smart Account that is in good standing
Deposit at least R1 000 into your Smart Account and spend R300 or more using your Smart Account Card
Every month you can:
Earn R5.00 airtime for every R100 you spend using your FNB bank Card at Shoprite & Checkers; and
Earn R5.00 airtime for every R100 airtime you buy using eChannels and Mobile Channels; and
Earn R5.00 airtime for doing your banking using eChannels and Mobile Channels (instead of visiting a branch and
doing a transaction at the counter); and
Earn R5.00 airtime for drawing more cash using Cash@TillTM than using an ATM
Islamic Smart Account

We are pleased to offer you the option of choosing a Shariah compliant Smart Account. With Islamic Banking you
may be eligible to earn a monthly profit share on your linked Savings Pocket. For more information please contact
the Islamic Banking contact centre on 0861 786 788.
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
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* Terms, conditions and rules apply.

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Unlimited
Pay-As-You-Use
R49.00
R12.00
Monthly Fees
Monthly Account Fee
FREE
InContact
FREE
FREE
Commission and Currency Conversion Fee on International Card Purchases
FREE
2.75% of transaction value
Cash Withdrawals
Cash@Till
FNB ATM
Other Banks ATM

International ATM (Additional 2.75% Commission and
Conversion fee applies)
FNB Branch
International Branch (Additional 2.75% Commission and
FREE
R4.00 per
R500.00
FREE
R4.00 per R500.00

Four FREE every
Month,
thereafter R6.70
per R500.00
R6.70 per
R500.00
R6.50 + (R6.70 per R500.00)

R43.00
R28.00
R43.00 + 1.61% of
withdrawal value
Cash Deposit at FNB Branch

Easy
Easy
Account
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
R28.00 + 1.61%
of withdrawal
value
Social Grant
0.70% of deposit value (min R5.50)
Smart Save
Account
R43.00 + 1.61%
of withdrawal
value
Deposits
Keeping
Banking
Simple
Smart
Account
and Islamic
Smart
Account
Card Purchases
Pay with your card
Introduction
Stokvel
Account
1.51% of deposit value (min R 43.00)

Credit Card
R85.00
eWallet
Forex
R1.10
Global
Accounts
Other Banks ATM
R8.50
R8.50
ENC Upliftment Fee and Special Clearance

Post-dated Cheque
Prepaid Purchases
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Unlimited
Pay-As-You-Use
Keeping
Banking
Simple

FREE

FREE
R1.00
Using eChannels
FREE
R3.50
Telephone (Consultant Assisted)
R35.00
FNB Branch
R43.00
Introduction
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Payments
FREE
R1.00
Using eChannels
FREE
R7.00
R35.00
FNB Branch
R43.00
Bank Cheque
R80.00
Encore
Cheque
Accounts
Debit Orders
Internal
FREE
R3.70
External
FREE
R7.50

Online
R5.00
Mobile Channels
R5.00
R15.00
Branch
R43.00
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account

Online
FREE
Branch
R11.50
Balance Enquiries
FREE
Point-of-Sale
R1.40
International Point-of-Sale
R2.50
Other Banks ATM
R4.20
R4.20
Statements
FREE
R3.00
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
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Unlimited
Pay-As-You-Use
Statements
Historical Statements older than 3 months - Online Banking
Posted/Printed Statement
Historical Statements older than 3 months - Branch and

Telephone Banking
Provisional Statement - Branch and Telephone Banking
R 13.00 (per page)

FNB ATM
FREE
Other FNB (Point-of-Sale, Scheduled Payment, EDO) and Other Banks ATM
R7.50
R 5.00 (per item)

Chip & PIN Card (non-personalised)
R80.00
Personalised Card
R115.00

Buy LOTTO/Powerball
R1.50
Pay & Clear Now
R40.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
R4.25 + (R6.70 per R500.00)
Student
(Lifestart)
Account
R8.50
Savings
Account
R20.00

Send Money

My Limit Alert
R3.00
R3.00

Monthly
R0.95
Weekly
R3.00
Daily
R15.00
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Email
R0.70
SMS
R1.10
Fax
R5.00
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Unlimited
Pay-As-You-Use
Other Fees
Card Courier Fee
R95.00
R55.00

Banks Accounts)
R4.35
Cash Swap
1.61% of Cash Value
Account Overdrawn Fee (when your Account Limit has been exceeded)
R57.00
Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid
agreement exists)
R130.00
Cash Centre Deposit: Error in Cast
R55.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
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Personal Cheque Account and

Islamic Personal Cheque Account
Get access to a range of
lifestyle benefits and rewards
created just for you.
A Personal Cheque Account from FNB offers you so much more than just a Bank Account - it offers you
functionality and flexibility, allowing you to manage your money in the best way possible. All Personal Cheque
Account Customers have access to the following:
Bank
FREE monthly subscription to FNB eChannels and Mobile Channels
FREE InContact; well SMS you every time R100 or more goes into, or out of your account
FREE emailed monthly statements
Cash@TillTM; no charge for withdrawing cash at tillpoints at selected retailers when you use your card to pay
for your shopping
You dont pay transactional fees when you swipe your Personal Cheque Card, no matter how big, or small
your purchase is
Save
interest rate on your credit balance

Bank your Change: automatically rounds up the value of the purchase made with your card and transfers the
difference directly into your Savings Account (Savings Pocket) so you save while you spend!
Borrow
Overdraft: offers you instant access to short-term credit so youll have money to cover unexpected
expenses, and you only pay when you use it
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
A FREE Savings Account (Savings Pocket) linked to your Personal Cheque Account: keep your savings
separate from your day-to-day-banking, while you enjoy easy access to your money and a competitive
Introduction
Temporary Loan: a short-term loan which should be repaid in 31 days, where any deposits into your
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
Personal Cheque Account will be used to pay off the loan amount
Revolving Loan: once you have repaid 15% of your original loan amount, you will again have access to those
eWallet
funds without having to re-apply for credit

Forex
Lifestyle
For your convenience, we can deliver your FNB Personal Cheque Card to your home or office
You could qualify for a new smartphone or laptop at discounted prices over a 24-month period with 0% interest
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eBucks Rewards*
Subscription to eBucks is FREE

As a FNB Personal Cheque Account customer you can earn eBucks for doing everyday things like swiping
your card, shopping online, shopping at Checkers & Shoprite, filling up with fuel, or purchasing prepaid
airtime and prepaid electricity electronically through FNB
You can spend the eBucks you earn on fuel, electronics and appliances, travel, books, CDs and DVDs,
flowers, outdoor equipment, fashion - you name it
You could also get up to 40% off the purchase of lifestyle products in the eBucks Shop or when you book
your travel arrangements through eBucks Travel. This means that the more eBucks you earn, the more you
can save when you spend your eBucks AND get a discount on your purchase
You can also get FREE monthly 3G Data if you have an active FNB Smart Device contract or get a discount
on your FNB Connect Uncapped ADSL Data subscription
For detailed information on how to qualify, earn and spend your eBucks Rewards please visit
www.eBucks.com
Exclusive for Platinum Cheque Account Holders
Premier Banking services to take care of your banking needs

Access to SLOW* Airport Lounges for domestic and international travel
Get FREE Comprehensive Global Travel Insurance that keeps you covered locally and internationally when
you purchase your travel ticket(s) using your Personal Cheque Card
Platinum Cheque Card delivered by courier at no extra charge
Three pricing options are available to ensure you always get exactly what you need, without paying too much:
NEW
Bundled Pricing Option:

From October 2014, this new pricing option is available. This option is for you if you want to pay a fixed
discounted monthly account fee, which includes your Cheque Account as well as Credit Card monthly fees. On
this option you get unlimited qualifying electronic transactions using eChannels and Mobile Channels.
Debit Orders
Card Purchases
Payments and transfers using eChannels and Mobile Channels
You also get four FREE FNB ATM withdrawals every month
Please note that this option is only available on Platinum Accounts

Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account and always
be in control of what you pay.
Debit orders
Card purchases
You also get four FREE FNB ATM withdrawals every month.
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
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Pay-As-You-Use Pricing Option: This option is for you if your transactions vary from month-to-month and you do a
combination of electronic and branch transactions. You are charged for each transaction at the applicable fee. For
a low monthly fee you also get:
FREE card purchases
FREE transactions using Mobile Channels which include: Transfers and payments, mini statements and
balance enquiries
Pay-As-You-Use pricing option is not applicable to One Account.
Islamic Personal Cheque Account

We are pleased to offer you the option of choosing a Shariah compliant Personal Cheque Account. With Islamic
Banking you may be eligible to earn a monthly profit share on your linked Savings Pocket. For more information
please contact the Islamic Banking contact centre on 0861 786 788.
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
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Introduction
Bundled
Unlimited
Pay-As-You-Use
Keeping
Banking
Simple
N/A
R100.00
R31.50
Easy
Easy
Account
Account
Platinum Cheque Account & Islamic

Platinum Cheque Account
R199.00
R145.00
R40.00
One Account Monthly Fee
R174.00
R120.00
N/A
Monthly Fees*
Gold Cheque Account & Islamic Gold Cheque Account
Other Monthly Fees

One Account Service Fee
R190.00
N/A
FREE
InContact
FREE
FREE
Device Payment**
R14.50
Youth (Fluid)
Account
and Islamic
Youth Account
Card Purchases
Pay with your card
Commission and Currency Conversion Fee on
International Card Purchases
FREE
Petrol Card
Student
(Lifestart)
Account
R4.75
Cash Withdrawals
Savings
Account
Cash@Till
FNB ATM
FREE
R4.00 per
R500.00
FREE
Four FREE every

Month,
thereafter R6.70
per R500.00
R6.70 per
R500.00
R6.50 + (R6.70 per R500.00)

R43.00

Mzansi
Account
Social Grant
R4.00 per R500.00
Other Banks ATM
FNB Branch/Cheque
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Device dependant
Petrol Card
Smart
Account
and Islamic
Smart
Account
Stokvel
Account
Smart Save
Account
Credit Card
R28.00
eWallet
R43.00 + 1.61% of
withdrawal value
R43.00 + 1.61%
of withdrawal
value
Forex
R28.00 + 1.61%
of withdrawal
value
* An additional monthly Exchange Control Administration Fee of R13.00 will be levied on Non-Resident Cheque
accounts.
** Only applicable if you have taken up the FNB Smartphone/Tablet/Laptop offer. Refer to www.fnb.co.za for the
monthly device payment applicable.
Global
Accounts
MoneyGram
The Small
Print
Home
Bundled/
Unlimited
Pay-As-You-Use
Keeping
Banking
Simple

FREE
FREE
Using eChannels
FREE
Easy
Easy
Account
Account
R3.50
R35.00
FNB Branch
R43.00
Smart
Account
and Islamic
Smart
Account
Payments
Using eChannels
Introduction
FREE
FREE
R7.00
R35.00
FNB Branch/Cheque
R43.00
Bank Cheque
R80.00
Encore
Cheque
Accounts
Debit Orders
Internal
FREE
R3.70
External
FREE
R16.00

Online
R5.00
Mobile Channels
R5.00
R15.00
Branch
R43.00
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Online
FREE
Branch
R11.50
Stokvel
Account
Smart Save
Account
Deposits
1.51% of deposit value

(min R 43.00)
Credit Card
eWallet

Post-dated Cheque
R85.00
Forex
Global
Accounts
MoneyGram
The Small
Print
Print
Home
Bundled/
Unlimited
Pay-As-You-Use
Prepaid Purchases
R1.10
Other Banks ATM
R8.50
R8.50
Balance Enquiries
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
FREE
Point-of-Sale
R1.40
R2.50
Other Banks ATM
R4.20
R4.20
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Current Month Emailed Statement
FREE
Encore
Cheque
Accounts
First Official Monthly Statement Collected at an FNB Branch
FREE
FREE
R3.00
Statements*
Historical Statements older than 3 months - Branch

and Telephone Banking
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
R 13.00 (per page)
Mzansi
Account
FNB ATM
FREE
Social Grant
Other FNB (Point-of-Sale, Scheduled Payment, EDO) and

other Banks ATM
R7.50
Stokvel
Account
R60.00 for first three, R138.00

thereafter (per item within a 12
month period)
Smart Save
Account

Returned Item (Cheque and Debit order)
Credit Card

Visa Cheque Card/Chip & PIN Card
R115.00
FNB Petrol Card
R115.00
eWallet
Forex
* Free for Accounts utilising an Overdraft.
Global
Accounts
MoneyGram
The Small
Print
Home
Bundled/
Unlimited
Pay-As-You-Use
Keeping
Banking
Simple
Credit Fees
Monthly Credit Service Fee (only pay when you use R200 or more of
your Overdraft)
R57.00
Rebate on Monthly Credit Service Fee (when you do not use more than
your Overdraft Limit)
R25.00
Monthly Credit Service Fee (Revolving Loan)
R57.00
your Revolving Loan Limit)
R17.00
Easy
Easy
Account
Account
Loan Related Fees (One Account Specific)

Initiation Fee (once-off)
R5 700.00
Valuation/Revaluation Fee
R1 400.00
Early Settlement Fee
Levied when home loan is cancelled

without giving 90 days notice. Fee
is based on outstanding balance
of your loan, your interest rate and
remaining loan term.
Cheque Book Fees

Pocket 40 Form
R40.00
Copies of Vouchers (Deposit Slips and Cheques)

Online Banking
FREE
R 20.00 (per side)

Buy LOTTO/Powerball
R1.50
Pay & Clear Now
R40.00
Introduction
R4.25 + (R6.70 per R500.00)
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Send Money
R8.50
R20.00
Send Money to Zimbabwe/Mozambique
Smart Save
Account
Credit Card
Value: R20.00 - R1 000.00
R45.00
Value: R1 000.01 - R2 000.00
R70.00
Value: R2 000.01 - R3 000.00
R105.00
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Bundled/
Unlimited
Pay-As-You-Use
Additional Statements (Fee per Month)
Online
Paper
Daily
R46.00
Weekly
R21.00
Twice Monthly
R11.50
Daily
R85.00
Weekly
R34.00
Twice Monthly
R17.00

My Limit Alert
R3.00
R3.00

Monthly
R0.95
Weekly
R3.00
Daily
R15.00
Email
R0.70
SMS
R1.10
Fax
R5.00
Other Fees
Card Courier Fee
Device Courier Fee
R95.00
Device dependant
Cheque Book Courier
R200.00
R55.00

Banks Accounts)
R4.35
Cash Swap
Wrongfully Disputed Debit Order Fee (if disputed after 40 days and
valid agreement exists)
Optional Roadside Assistance on your qualifying Cheque Card
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
1.61% of Cash Value

R57.00
R130.00
Credit Card
eWallet
R5.50
Forex
R55.00
Global
Accounts
MoneyGram
The Small
Print
Encore Gold & Encore Platinum Cheque Account

The Encore Portfolio is
exclusively designed for you
if you are 55 and older.
In addition to the benefits available to all FNB Personal Cheque Account customers, youll also enjoy:
Preferential interest rates on the Savings Pocket linked to your FNB Encore Cheque Account. (No fees are
charged on your Savings Pocket and the more you save, the better your interest rate)
Qualifying Credit Card and Petro Card customers benefit from a 50% discount on the Monthly Card Fee,
however you are required to apply for the Encore Credit Card offering when you reach the age of 55 or older.
Credit Card Terms and conditions apply.
NEW
Encore Platinum Cheque Account

From October 2014, the Encore Platinum Cheque Account is available which offers Platinum benefits to over
55's. Customers over the age of 55, who have annual earnings of R350 000 or more, can take up the Encore
Platinum offering.
Encore Platinum Account Holders enjoy the following exclusive Platinum benefits:
Premier Banking Services for all your banking needs

Access to SLOW* airport lounges for domestic and international travel
Get FREE Comprehensive Global Travel Insurance that keeps you covered locally and internationally when you
purchase your travel ticket(s) using your Personal Cheque Card
Platinum Cheque Card delivered by courier at no extra charge
Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account, and always
be in control of what you pay. On this option you get unlimited qualifying electronic transactions using eChannels
and Mobile Channels. Qualifying transactions include:
Debit orders
Card purchases
Standard Pricing Option: This option is ideal if you are able to maintain the specified credit balance at ALL times.
1. Cheque Balance Option: you will not pay the monthly Account Fee if you are able to maintain at least
R5 000 in your Encore Cheque Account. This option includes:
unlimited qualifying electronic transactions; and
four FREE FNB ATM cash withdrawals; and
a combination of three FREE branch, cheque and Telephone Banking (consultant assisted) transactions
(excluding all cash and cheque deposits) per month
2. Savings Pocket Option: you will not pay the monthly Account Fee if you pledge at least R10 000 in your
Savings Pocket linked to your Encore Cheque Account. This option includes:
unlimited qualifying electronic transactions; and
four FREE FNB ATM cash withdrawals; and
a combination of three FREE branch, cheque and Telephone Banking (consultant assisted) transactions
(excluding all cash and cheque deposits) per month
Home
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Unlimited
Standard
Encore Gold Cheque Account
R95.00
R105.00
Encore Platinum Cheque Account
R95.00
R105.00
Introduction
Keeping
Banking
Simple
Monthly Fees
FREE
InContact
FREE
FREE
Petrol Card
R14.50
Minimum Balance for Rebate on Monthly Account Fee

Minimum Balance in your Encore Cheque Account
N/A
R5 000
Minimum Balance in linked Savings Pocket
N/A
R10 000
Card Purchases
Pay with your card
FREE
Petrol Card
FREE
Cash@Till
FREE
FREE
R4.00 per R500.00
Other Banks ATM

Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Cash Withdrawals
FNB ATM
Easy
Easy
Account
Account
Savings
Account
Four FREE every Month,

thereafter R6.70 per R500.00
Mzansi
Account
Social Grant
R6.50 + (R6.70 per R500.00)

R43.00
R23.00
FNB Branch
R43.00 + 1.61%
of withdrawal
value
R23.00^ + 1.61%
of withdrawal
value

R43.00 + 1.61%
of withdrawal
value
R23.00^ + 1.61%
of withdrawal
value
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
^ Fees included in combination of three free branch and cheque transactions when you maintain the
Minimum Balance.
TM
MoneyGram
The Small
Print
Home
Standard
Unlimited
Keeping
Banking
Simple

FREE
Using eChannels
FREE
FREE
Easy
Easy
Account
Account
R35.00
R 12.50^
FNB Branch
R43.00
R 23.00^
Payments
FREE
Using eChannels
FREE
R35.00
R 12.50^
FNB Branch/Cheque
R43.00
R 23.00^
Bank Cheque
R80.00
Debit Orders
Internal
FREE
External
FREE

Online
R5.00
Mobile Channels
R5.00
R15.00
Branch
R43.00
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Online
FREE
Branch
FREE
Deposits
Introduction
Stokvel
Account
Smart Save
Account

(min R 22.00)
Credit Card
eWallet
R85.00
Forex

Post-dated Cheque
Minimum Balance.
Global
Accounts
TM
MoneyGram
The Small
Print
Home
Unlimited
Standard
Prepaid Purchases
R1.10
Other Banks ATM
R8.50
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
R 8.50^
Balance Enquiries
Smart
Account
and Islamic
Smart
Account
FREE
Point-of-Sale
FREE
FREE
Other Banks ATM
R4.20
R4.20
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Current Month Emailed Statement
FREE
Encore
Cheque
Accounts
First Official Monthly Statement Collected at an FNB Branch
FREE
FREE
R3.00
Statements*

Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
R 13.00 (per page)
Mzansi
Account
FNB ATM
FREE
Social Grant

other Banks ATM
R7.50
Stokvel
Account

month period)
Smart Save
Account

Returned Item(Cheque and Debit Order)
Credit Card

Electron
R80 .00
Visa Cheque Card/Chip & PIN Card
R115.00
FNB Petrol Card
R115.00
eWallet
Forex
Global
Accounts
* Free for Accounts utilising an Overdraft.

Minimum Balance.
MoneyGram
The Small
Print
Home
Unlimited
Standard
Keeping
Banking
Simple
Credit Fees
Monthly Credit Service Fee (only pay when you use R200 or more of
your Overdraft)
R57.00
your Overdraft Limit)
R25.00
Monthly Credit Service Fee (Revolving Loan)
R57.00
your Revolving Loan Limit)
R17.00
Easy
Easy
Account
Account
Cheque Book Fees

Pocket 40 Form
R40.00
Copies of Vouchers (Deposit Slips and Cheques)

Online Banking
FREE
R 20.00 (per side)

Buy LOTTO/Powerball
R1.50
Pay & Clear Now
R40.00
Introduction
R4.25 + (R6.70 per R500.00)
Send Money
R8.50
R20.00
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Value: R20.00 - R1 000.00
R45.00
Value: R1 000.01 - R2 000.00
R70.00
Social Grant
Value: R2 000.01 - R3 000.00
R105.00
Stokvel
Account
Online
Paper
Smart Save
Account
Daily
R46.00
Weekly
R21.00
Twice Monthly
R11.50
Daily
R85.00
eWallet
Weekly
R34.00
Forex
Twice Monthly
R17.00
Credit Card
Global
Accounts
MoneyGram
The Small
Print
Home
Home
Unlimited
Standard

My Limit Alert
R3.00
R3.00

Monthly
R0.95
Weekly
R3.00
Daily
R15.00
Email
R0.70
SMS
R1.10
Fax
R5.00
Other Fees
Card Courier Fee
Device Courier Fee
R95.00
Device dependant
Cheque Book Courier
R200.00
R55.00

Banks Accounts)
R4.35
Cash Swap
Wrongfully Disputed Debit Order Fee (if disputed after 40 days and
valid agreement exists)
1.61% of Cash Value

R57.00
Introduction
Keeping
Banking
Simple
Simple
Easy
Easy
Account
Account
Easy
Smart
Account
and Islamic
Smart
Smart
Account
Personal
Smart
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
R130.00
Social Grant
Optional Roadside Assistance on your qualifying Cheque Card
R5.50
R55.00
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Youth (Fluid) Account and

Islamic Youth Account
Its never too early to start banking.
The FNB Youth Account has been
designed especially for you if you
are younger than 18.
This account offers great savings on fees while teaching young children and teens the ins-and-outs of
saving and banking wisely.
Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account and
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
always be in control of what you pay. On this option you get unlimited qualifying electronic transactions
using eChannels and Mobile Channels. Qualifying transactions include:
Debit orders
Card purchases
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Standard Pricing Option: You will not pay a monthly Account Fee if you keep a minimum of R500 in your
Savings
Account
account at all times. You will also get two FREE debits per month, after which you will be charged an
applicable fee per transaction. These include:
FNB ATM cash withdrawals
Debit orders
Local purchases with your Card are FREE.
Islamic Youth Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
We are pleased to offer you the option of choosing a Shariah compliant Youth Account. For more
information please contact the Islamic Banking contact centre on 0861 786 788.
Credit Card
eWallet
Forex
Global
Accounts
TM
MoneyGram
The Small
Print
Home
Unlimited
Standard
R24.50
R6.00
Monthly Fees
Monthly Account Fee
FREE
InContact
FREE
N/A
R500
FREE
Encore
Cheque
Accounts
Pay with your card
FREE
Cash Withdrawals
Cash@Till
FNB ATM
Other Banks ATM

FNB Branch
R4.00 per
R500.00
FREE
R4.00 per R500.00

Four FREE every
Month,
thereafter R6.70
per R500.00
R6.70 per
R500.00
R6.50 + (R6.70 per R500.00)

R43.00
R28.00
R43.00 + 1.61% of
withdrawal value
R43.00 + 1.61%
of withdrawal
value
R28.00 + 1.61%
of withdrawal
value
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account

FREE

Using eChannels
Easy
Easy
Account
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Card Purchases
Keeping
Banking
Simple
Smart
Account
and Islamic
Smart
Account

Minimum Balance in your Youth Account
Introduction
FREE
Credit Card
R3.50
R35.00
FNB Branch
R43.00
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Unlimited
Standard
Keeping
Banking
Simple
Payments
FNB ATM, Online, Telephone (IVR) & Scheduled
FREE
FREE
R7.00
R35.00
FNB Branch/Cheque
R43.00
Bank Cheque
R80.00
Internal
FREE
R3.70
External
FREE
R16.00

R5.00
Mobile Channels
R5.00
R15.00
Branch
R43.00

Online
FREE
Branch
R11.50
Deposits

(min R 43.00)

Post-dated Cheque
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Debit Orders
Online
Introduction
R85.00
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Prepaid Purchases
R1.10
Other Banks ATM
R8.50
R8.50
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Unlimited
Standard
Balance Enquiries
FREE
Point-of-Sale
R1.40
R2.50
Other Banks ATM
R4.20
R4.20
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Statements
FREE
R3.00

R 13.00 (per page)

FNB ATM
FREE

other Banks ATM
R7.50
Returned Item (Cheque and Debit Order)

month period)
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account

Card Replacement
R80.00

Pay & Clear Now
Mzansi
Account
Social Grant
R40.00
R4.25 + (R6.70 per R500.00)
Stokvel
Account
R8.50
Smart Save
Account
R20.00
Credit Card

Send Money
eWallet
My Limit Alert
R3.00
R3.00
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Unlimited
Standard

Monthly
R0.95
Weekly
R3.00
Daily
R15.00
Email
R0.70
SMS
R1.10
Fax
R5.00
Other Fees
Card Courier Fee
R95.00
Online Banking Password (Consultant Assisted)
R55.00

Banks Accounts)
R4.35
Cash Swap
1.61% of Cash Value
agreement exists)
R130.00
R55.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Student (Lifestart) Account

The Student Account is available to
full-time students between the ages
of 18 and 25 studying towards a
degree or diploma at a recognised
tertiary education institution.
As a student we understand that managing your cash and finances should be the least of your worries,
which is why we offer two different pricing options and low Account Fees.
Two pricing options are available to ensure you always get exactly what you need, without paying
too much:
Unlimited Pricing Option: This option is for you if you want to pay a fixed monthly fee for your account and
always be in control of what you pay.
Debit orders
Card purchases
Cash withdrawals using Cash@Till
TM
Pay-As-You-Use Pricing Option: You will not pay the monthly Account Fee if you keep a minimum of R500
in your account at all times. This option is for you if your transactions vary from month-to-month and
you do a combination of electronic and branch transactions. You are charged for each transaction at the
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
applicable fee. For a low monthly fee you also get:
FREE Card purchases
FREE transactions using Mobile Channels which include:

Transfers and payments, mini statements and balance enquiries
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Unlimited
Pay-As-You-Use
R24.50
R6.00
Monthly Fees
Monthly Account Fee
FREE
InContact
FREE
N/A
R500
FREE
Encore
Cheque
Accounts
Pay with your card
FREE
Cash Withdrawals
Cash@Till
FNB ATM
Other Banks ATM

FNB Branch
R4.00 per
R500.00
FREE
R4.00 per R500.00

Four FREE every
Month,
thereafter R6.70
per R500.00
R6.70 per
R500.00
R6.50 + (R6.70 per R500.00)

R43.00
R28.00
R43.00 + 1.61% of
withdrawal value
R43.00 + 1.61%
of withdrawal
value
R28.00 + 1.61%
of withdrawal
value
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account

FREE

Using eChannels
Easy
Easy
Account
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Card Purchases
Keeping
Banking
Simple
Smart
Account
and Islamic
Smart
Account

Minimum Balance in your Youth Account
Introduction
FREE
Credit Card
R3.50
R35.00
FNB Branch
R43.00
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Unlimited
Pay-As-You-Use
Keeping
Banking
Simple
Payments
FNB ATM, Online, Telephone (IVR) & Scheduled
FREE
FREE
R7.00
R35.00
FNB Branch/Cheque
R43.00
Bank Cheque
R80.00
Internal
FREE
R3.70
External
FREE
R16.00

R5.00
Mobile Channels
R5.00
R15.00
Branch
R43.00

Online
FREE
Branch
R11.50
Deposits
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Debit Orders
Online
Introduction
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account

(min R 43.00)
Mzansi
Account
Social Grant

Post-dated Cheque
R85.00
Stokvel
Account
Smart Save
Account
Prepaid Purchases
R1.10
Other Banks ATM
R8.50
R8.50
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Unlimited
Pay-As-You-Use
Balance Enquiries
FREE
Point-of-Sale
R1.40
R2.50
Other Banks ATM
R4.20
R4.20
Statements
FREE
R3.00

R 13.00 (per page)

FNB ATM
FREE

other Banks ATM
R7.50
Returned Item (Cheque and Debit Order)

month period)
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account

Card Replacement
R80.00

Buy LOTTO/Powerball
R1.50
Pay & Clear Now
R40.00
Mzansi
Account
Social Grant
Stokvel
Account
R4.25 + (R6.70 per R500.00)

Smart Save
Account
Send Money
R8.50
R20.00
Credit Card
eWallet

Value: R20.00 - R1 000.00
R45.00
Forex
Value: R1 000.01 - R2 000.00
R70.00
Value: R2 000.01 - R3 000.00
R105.00
Global
Accounts
MoneyGram
The Small
Print
Home
Unlimited
Pay-As-You-Use
Online
Paper
Daily
R46.00
Weekly
R21.00
Twice Monthly
R11.50
Daily
R85.00
Weekly
R34.00
Twice Monthly
R17.00

My Limit Alert
R3.00
R3.00

Monthly
R0.95
Weekly
R3.00
Daily
R15.00
Email
R0.70
SMS
R1.10
Fax
R5.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Other Fees
Card Courier Fee
R95.00
R55.00

Banks Accounts)
R4.35
Viewing of Payment History (older than 3 months)
FREE
Cash Swap
agreement exists)
1.61% of Cash Value

R130.00
R55.00
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
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Savings Account
Introduction
Keeping
Banking
Simple
If youre looking for a flexible way of

saving, then the Savings Account is
ideal for you.
This account is no longer available for new customers. Offering you easy and instant access to your money, you will
not pay a monthly Account Fee if you maintain a Minimum Balance of R2 000 in your account at all times.
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Fee
Encore
Cheque
Accounts
Monthly Account Fee
R6.00
FREE
Youth (Fluid)
Account
and Islamic
Youth Account
InContact
FREE
Monthly Fees
Minimum Balance for Rebate on Account Fee

Minimum Balance in your Savings Account
R2 000.00
Card Purchases
Pay with your card
FREE
FREE
R 5.50 per R500.00
R 5.50 per R500.00
FNB ATM
R 11.00 per R500.00
Other Banks ATM

FNB Branch
Savings
Account
Mzansi
Account
Social Grant
Cash Withdrawals
Cash@Till
Student
(Lifestart)
Account
R6.50 + (R11.00 per R500.00)

R43.00 + 1.61% of withdrawal value
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
R5.50
FNB Branch
R43.00
Global
Accounts
TM
MoneyGram
The Small
Print
Home
Fee
Payments
R11.00
FNB Branch
R43.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Debit Orders
Internal
R5.50
External
R16.00

Online
R5.00
Mobile Channels
R5.00
R15.00
Branch
R43.00
Deposits

1.51% of deposit value (min
R43.00)
R85.00
Prepaid Purchases
R1.10
Other Banks ATM
R8.50
R8.50
Branch Statements
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
FREE
Stokvel
Account
R3.00
Smart Save
Account
Statements
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Social Grant
Balance Enquiries
Smart
Account
and Islamic
Smart
Account
R 13.00 (per page)

Credit Card

Buy LOTTO/Powerball
R1.50
eWallet
R8.50
Forex
R4.25 + (R6.70 per R500.00)
Other Fees
R57.00
Any other fees not specifically mentioned above are charged at Personal Cheque Account Pay-As-You-Use fees.
Global
Accounts
TM
MoneyGram
The Small
Print
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Mzansi Account
Introduction
This account is no longer available for new customers. You do not pay a monthly fee. You may for 8 transactions a
month, then you pay an additional fee of R8.00 per transaction. Mzanzi Account holders are limited to a maximum
balance of R15 000 every month and you are allowed to have debit orders with this account.
Mzansi
Monthly Fees
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Monthly Account Fee
R0.00
FREE
InContact
FREE
FREE
Card Issuing Fee (Charged every 6 months after Account opening)
R5.00
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
FREE
Encore
Cheque
Accounts
Card Purchases
Pay with your Card
Cash Withdrawals
Cash@Till
FREE
FNB Mini ATM/ Slimline
R 3.50
Other Banks' Mini ATM
R 3.50
FNB ATM
R 6.50
Other Banks' ATM
R 6.50
FNB Branch
R 15.00
Deposits
R 6.50
R 15.00


R 85.00
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Prepaid Purchases
Credit Card
R 1.10
Other Banks' ATM
R 8.50
eWallet
R 8.50
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Mzansi

Into linked Savings Account (Savings Pocket)
FREE
R 1.00
Using eChannels
R 6.50
R 35.00
FNB Branch
R 43.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Payments
R 1.00
Using eChannels
R 6.50
R 35.00
FNB Branch
R 43.00
Debit Orders
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Internal
R 3.50
External
R 6.50
Youth (Fluid)
Account
and Islamic
Youth Account
Online
R 5.00
Student
(Lifestart)
Account
Mobile Channels
R 5.00
R 15.00
Branch
R 43.00

Online
FREE
Branch
R 11.50
Balance Enquiries
FREE
Point-of-Sale
FREE
Other Banks' ATM
R 1.25
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Mzansi
Statements
FREE
R 3.00
Historical Statements older than 3 months

- Online Banking

- Branch and Telephone Banking
R 13.00 (per page)

FNB ATM
Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other
banks ATM
FREE
R 7.50
R 80.00

Buy LOTTO/Powerball
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
R 5.00 (per item)

Electron
Introduction
R 1.50
R4.25 + (R6.70 per R500.00)
Send Money
R 8.50
R 20.00
Electronic Subscriptions Services (fee per month)
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
My Limit Alert
R 3.00
R 3.00
Balance Alert (fee per month)
Smart Save
Account
Credit Card
Monthly
R 0.95
Weekly
R 3.00
Daily
R 15.00
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Mzansi
Email
R 0.70
SMS
R 1.10
Fax
R 5.00
Other Fees
Card Courier Fee
R 95.00
Online Banking Password Reset Telephone Banking

(Consultant Assisted)
R 55.00
Online Banking Account Verification

(FNB Accounts and Other Banks Accounts)
R 4.35
Cash Swap
1.61% of Cash Value
Account Overdrawn Fee

(when your Account limit has been exceeded)
R 57.00
Wrongfully Disputed Debit Order Fee

(if disputed after 40 days and valid agreement exists)
R 130.00
R55.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
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Social Grant
Introduction
This account is no longer available for new custsomers 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.
Easy
Easy
Account
Account
Social Grant
Monthly Fees
Monthly Account Fee
R 6.50
FREE
InContact
FREE
FREE
Card Purchases
Pay with your Card
FREE
Youth (Fluid)
Account
and Islamic
Youth Account
R 3.50
Other Banks' Mini ATM
R 3.50
FNB ATM
R 6.50
Other Banks' ATM
R 6.50
FNB Branch
R 15.00
Deposits
R 6.50
R 15.00
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
FNB Mini ATM/ Slimline
Smart
Account
and Islamic
Smart
Account
FREE
Cash Withdrawals
Cash@Till
Keeping
Banking
Simple

R 85.00
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Prepaid Purchases
R 1.10
Other Banks' ATM
R 8.50
R 8.50
Credit Card
eWallet
Forex
Global
Accounts
TM
MoneyGram
The Small
Print
Home
Home
Social Grant

Into linked Savings Account (Savings Pocket)
FREE
R 1.00
Using eChannels
R 6.50
R 35.00
FNB Branch
R 43.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Easy
Smart
Account
and Islamic
Smart
Account
Payments
R 1.00
Using eChannels
R 6.50
R 35.00
FNB Branch
R 43.00
Debit Orders
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Internal
R 3.50
External
R 6.50
Youth (Fluid)
Account
and Islamic
Youth Account
Online
R 5.00
Student
(Lifestart)
Account
Mobile Channels
R 5.00
R 15.00
Branch
R 43.00

Online
FREE
Branch
R 11.50
Balance Enquiries
FREE
Point-of-Sale
FREE
Other Banks' ATM
R 1.25
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Forex
Global
Accounts
TM
MoneyGram
The Small
Print
Print
Home
Social Grant
Statements
FREE
R 3.00

- Online Banking

- Branch and Telephone Banking
R 13.00 (per page)

FNB ATM
Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other
banks ATM
FREE
R 7.50
R 80.00

Buy LOTTO/Powerball
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
R 5.00 (per item)

Electron
Introduction
R 1.50
R4.25 + (R6.70 per R500.00)
Send Money
R 8.50
R 20.00
Electronic Subscriptions Services (fee per month)
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
My Limit Alert
R 3.00
R 3.00
Balance Alert (fee per month)
Smart Save
Account
Credit Card
Monthly
R 0.95
Weekly
R 3.00
Daily
R 15.00
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Social Grant
Email
R 0.70
SMS
R 1.10
Fax
R 5.00
Other Fees
Card Courier Fee
R 95.00
Online Banking Password Reset Telephone Banking

(Consultant Assisted)
R 55.00
Online Banking Account Verification

(FNB Accounts and Other Banks Accounts)
R 4.35
Cash Swap
1.61% of Cash Value
Account Overdrawn Fee

(when your Account limit has been exceeded)
R 57.00
Wrongfully Disputed Debit Order Fee

(if disputed after 40 days and valid agreement exists)
R 130.00
R55.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Stokvel Account
Introduction
Keeping
Banking
Simple
Stokvel is a book based savings account for a group of people who want to save together.
Stokvel
Monthly Fees
Monthly Account Fee
Minimum Balance Required for Rebate
R 5.75
R 5 000.00
Cash Withdrawals
FNB Branch
R 25.00
Deposits

R 1.00
Using eChannels
R 3.50
Statements
R 13.00 (per page)
Lost Book Replacement Fees

R 24.00
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
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Smart Save Account
Introduction
This account is no longer available to new customers. If you have R5000 in your Smart Savings Account at all times
during the month, you will get 10 free transactions (this does not include cash deposits, special instructions,
penalty fees or statment changes).
Easy
Easy
Account
Account
Smart Save
Monthly Fees
Monthly Account Fee
Minimum Balance Required for Rebate
R 5.75
R 5 000.00
Cash Withdrawals
FNB Branch
R 25.00
Deposits

R 1.00
Using eChannels
R 3.50
Statements
R 13.00 (per page)
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account

Keeping
Banking
Simple
R 24.00
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
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Credit Card
Introduction
Keeping
Banking
Simple
Credit Card is no longer just

about credit.
It has grown into the ultimate transactional tool, giving you real value and benefits that make life rewarding
with everyday savings.
Bank
FREE monthly subscription to FNB eChannels and Mobile Channels
FREE inContact; well SMS you every time R100 or more goes into, or out of your account
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
FREE balance enquiries using FNB eChannels and Mobile Channels

FREE email or posted monthly statements
FREE lost card protection and PIN replacement
Auto-payment solution offers you the convenience of having your account paid on time, every time
You dont pay extra fees when you swipe your Credit Card; there are no transaction fees no matter how big
or small your purchase
Save
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
FREE unlimited swipes: all swipes are FREE, that means you save money as there are no transaction fees
when spending on small and big ticket items
We offer you personalised and competitive debit interest rates - calculated for the individual, not
the product
We also offer you credit interest rates
Borrow
Up to 55 days INTEREST-FREE credit
We offer you personalised and competitive debit interest rates of up to 3% lower than other products calculated for the individual, not the product
Insure
Debt Protection Plan cover to settle your outstanding Credit Card debt in the event of death, permanent
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
disability and retrenchment

Accidental Death Plan cover for you or your family in the event of your death in an accident
Safeguard your familys lifestyle with FNBs Lifestyle Protector in the event of death or permanent disability
Global
Accounts
MoneyGram
The Small
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Lifestyle
Should you meet the qualifying criteria, you could qualify for a monthly R50.00 discount on your new
smartphone or tablet offering
Introduction
Keeping
Banking
Simple
FREE AA Emergency Roadside Assistance with a linked Petro Card

Get FREE Global Travel Insurance that keeps you covered locally and internationally, when you purchase your
travel ticket(s) using your Credit Card
For your convenience, we can deliver your Credit Card to your home or office (delivery fees may apply)
Safety
Your Chip and Pin Credit Card provides you with a secure way to pay, making transactions safer than
ever before
Online Secure is a service offered by FNB that uses a One Time PIN (OTP) to protect your card against
unauthorised use when transacting online
eBucks Rewards
As a Credit Card customer, you can earn eBucks for doing everyday things like shopping, filling up with fuel
or loading airtime using your FNB Credit Card and doing your banking with FNB
You can spend your eBucks on fuel, electronics and appliances, travel, books, CDs and DVDs, flowers,
outdoor equipment, fashion pretty much anything!
You will get a guaranteed 1% back in eBucks on your Credit Card spend and up to 15% back on your fuel,
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
prepaid airtime, electricity, Checkers & Shoprite spend

For detailed information on how to qualify, earn and redeem your eBucks, please visit www.fnb.co.za or any
FNB Branch
Exclusive to FNB Platinum Credit Cardholders
Savings
Account
Access to the 24/7 Platinum Call Centre
Mzansi
Account
Access to SLOW airport lounges for domestic and international travel

Access to SLOW in the City
FREE Take Me Home benefit on a linked Platinum Petro Card and standalone Petro Cards allows you to make
use of a designated driver service when you need to get home safely
NEW
Student
(Lifestart)
Account
Social Grant
Stokvel
Account
Bundled Platinum pricing option

From 1 October 2014, if you hold a qualifying FNB Platinum Cheque and Credit Card Account, you will
qualify for the Bundled Platinum pricing option of R199 on your Platinum Cheque Account. This discounted
fee will include your Platinum Cheque Account and Credit Card monthly fees as well as your eBucks linkage
fee and fees for up to 5 additional Credit Cards.*
Smart Save
Account
Credit Card
eWallet
To find out more about this pricing option, please refer to the Personal Cheque Account section.
Forex
Global
Accounts
MoneyGram
Terms, conditions and rules apply.

*Excludes your Linked Petro Card Fee
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Monthly Fees
Introduction
Fees that have not changed or have been reduced are reflected in turquoise. For ease of reference, monthly
NCA Card Fees for our product range have been segmented below.
Fee
Classic Credit Card Fees (per Month)

Credit Card Monthly Account Fee
R23.00
Credit Facility Service Fee
R5.00
Additional Card Fees (per Card Linked to Account)
R12.50
Linked Petro Card (per Card Linked to Account)
R14.50
R135.00
Gold Credit Card Fees (per Month)

R24.50
R7.50
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
R12.50
R14.50
R135.00
Youth (Fluid)
Account
and Islamic
Youth Account
R53.00
Student
(Lifestart)
Account
R10.00
R13.25
R20.00
R135.00
Platinum Credit Card Fees (per Month)
Mzansi
Account
Social Grant
Standalone Petro Card Fees (per Month)

Petro Card Monthly Account Fee
Savings
Account
R28.50
R7.50
R12.50
R135.00
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Definitions
Introduction
Credit Card Monthly Account Fee: is the cost charged monthly for the administration and maintenance of your
Credit Card Account
Credit Facility Service Fee: is the cost charged monthly for the routine administration of maintaining your
Credit Facility
Other Credit Card-related Fees

Fee
Purchases
Credit Card Purchase
FREE
Credit Card Budget Purchase
FREE

Fuel Transaction Fee (Petro Cards only)

R4.75 (per R500.00)
Cash Withdrawal Fees

FNB ATM
R6.70 (per R500.00)
Other Banks ATM
R6.50 + FNB ATM Fee
FNB Mini ATM (per R500.00)

Branch (includes all Financial Institution Branches and the Purchase of
Foreign Exchange)
Cash on Budget:
% of Value
R4.00
R47.50 + % of withdrawal value
Platinum
2.00%
Gold
2.25%
Classic
2.50%
International^ (ATM and Branch)
Deposits
Cheque Deposits (FREE for Encore)
R20.00
FNB ATM with Automated Deposit Terminal (ADT):

% of value
0.70%
Minimum
R5.50
Cheque Clearance Fee
R250.00
^ This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATMs
charge an additional surcharge.
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
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Definitions
Introduction
Credit Card Monthly Account Fee: is the cost charged monthly for the administration and maintenance of your
Credit Card account
Credit Facility Service Fee: is the cost charged monthly for the routine administration of maintaining your
Credit Facility
Other Credit Card-related Fees

Fee
Linked Account Transfers & Account Payments

IVR Smart Transfer to FNB
FREE
R3.50
Third Party Payments
R7.00
R35.00
Transfers and Payments at Branch
R43.00
Voucher Retrieval Requests

Local
R75.00
International
R250.00
Other Fees
Declined Transaction Fee
R7.50
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Bank Cheque Administration Fee
R80.00
Card Replacement Fee (per Card) (Standard 3-day Delivery)
R115.00
Fast-track Card Replacement Fee (per Card) (24-hour Delivery on Request)
R385.00
Mzansi
Account
FREE
Social Grant
Card Delivery to nearest FNB Branch

Card Courier Personal Delivery (FREE for Platinum Cardholders)
R195.00
Section 129 Letter Fee
R55.23
Convenience Fees
Send Money to an FNB eWallet
R8.50
Reversal of Incorrect Send Money to an FNB eWallet Transaction
R20.00
Cardless Cash Withdrawal (Cellphone Banking)
R4.25 + FNB ATM Fee
Pay2Cell
R3.50
LOTTOTM/Powerball Purchase
R2.00
Prepaid Transaction Fee (FNB ATM, Cellphone, Online & Telephone Banking)
R2.00
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
TM
MoneyGram
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Credit Card Monthly Account Fees and Credit Facility Service Fees are not negotiable.
Important Information
The above pricing is inclusive of VAT
Credit Card and Petro Card customers over the age of 55 can benefit from a 50% discount on the
Monthly Card Fee, with our Encore offering, however you are required to apply for this product.
Credit Card Terms and conditions apply.
Interest rates are personalised and appear on the Credit Card Statement
Visit our website at www.fnb.co.za for a copy of the Terms and Conditions that govern our agreement
Should you require further information on any Credit Card products or services, please contact Credit
Card Customer Enquiries on 087 575 1111
If your Credit Facility goes into arrears, you will be liable for collection fees in accordance with the
National Credit Act
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
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eWallet
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
With eWallet, you can send

money instantly to a valid South
African cellphone number.
The recipient can access money in the eWallet and doesnt even need a Bank Account.
They can get cash at any FNB ATM, buy prepaid airtime, data, electricity and more.
Monthly Account Fee
Fee
FREE
Deposit Cash into eWallet at FNB ATM Advance
R6.00*
FNB ATM Cash Withdrawals (first withdrawal per send is free)
R6.00*
Prepaid Purchases
R1.50
Send Money from an eWallet to another eWallet
R6.00
Transfer from eWallet to your FNB Account
FREE*
GeoPay from eWallet
R1.50*
Payment to a Bank Account
R1.50
Purchase or Get Cash at Selected Stores**
FREE
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Other Fees
Stokvel
Account
Monthly Dormancy Fee (charged after 6 consecutive months of inactivity)
R6.00
Declined Transaction at an FNB ATM
FREE
FNB eWallet Balance Enquiry
FREE
Smart Save
Account
FNB eWallet Transaction List
FREE
Credit Card
eWallet
Forex
Global
Accounts
* Not applicable to eWallet Pro wallet holders. Refer to www.fnb.co.za

** List of selected stores available on www.fnb.co.za
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Forex
Introduction
At FNB Forex we aim to simplify your Foreign Exchange Transactions.
Keeping
Banking
Simple
With your convenience in mind, we have adapted our Forex for personal banking so that you can effortlessly:
Easy
Easy
Account
Account
Send monetary gifts abroad
Pay tuition fees in another country
Buy clothing and goods from anywhere in the world
Order foreign currency and have it delivered to your business premises
Pay in advance for your travel arrangements such as accommodation, cruises, car hire, etc
Receive money from abroad
And so much MORE
Next time you need to order foreign currency, pay for shipments from abroad or receive incoming foreign
currency payments, use one of FNBs channels:
FNB Online Banking
Forex Advisory Team
FNB Branches
MoneyGram Channels include:
FNB Branches (load beneficiaries and transact)
FNB Cellphone Banking (transact once beneficiaries have been saved in-branch)
FNB ATMs (transact once beneficiaries have been saved in-branch)
Forex Advisory Team
Rewards
Global Payments
Sending and receiving money in a foreign currency via Online Banking will earn you up to 50% back in eBucks** on the
transaction charges.
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Standing Instructions*
Should you receive money from abroad in a foreign Currency on a regular basis, you can give us permission to
convert these payments on your behalf, and you will earn up to 100% back in eBucks** on the transaction charges.
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
*Standing Instructions apply to gifts, salaries, pension, alimony and annuities.

**Subject to standard eBucks earn rules.
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Fee
Travel Products Bought from FNB

Cash Passport Initial load fee (per currency)
R105.00
Cash Passport commission (minimum R65)
1.850%
Foreign Notes commission (minimum R70)
1.900%
LSL,NAD,SZL Notes Commission (minimum R90)
3.000%
Travel Products sold to FNB

Cash Passport
If originally bought from FNB and proceeds credited to an FNB
transactional account commission
If proceeds credited to an account other than an FNB transactional
account commission (minimum R65)
FREE
1.850%
Foreign Notes
Foreign Notes Commission (minimum R70)
1.900%
LSL,NAD,SZL Notes Commission (minimum R90)
3.000%
International Payments
Outward SWIFT Transfers
Commission (minimum R135, maximum R650)
0.50%
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
SWIFT fee
R100.00
Additional fee when payment is sent in South African Rand
R110.00
Savings
Account
0.50%
Mzansi
Account
Inward SWIFT Transfers

Additional fee when payment is received in South African Rand
R110.00
Social Grant
Money Transfers
Stokvel
Account

Value R100 R1000
R45.00
Value R1001 R2000
R70.00
Value R2001 R3000
R105.00
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
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Introduction
Fee
Keeping
Banking
Simple
Foreign cheques
Drafts
Draft Fee
Easy
Easy
Account
Account
1.00%
R100.00
Smart
Account
and Islamic
Smart
Account
Bills Negotiable
1.00%
Delivery
Delivery charge
R150.00
Failed delivery charge (if customer is not available when appointment was made)
R150.00
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Other Products and Services

Forward Exchange Contracts
Establishment
R100.00
Drawdown (per drawdown)
R100.00
Cancellation
R100.00
Extension
R100.00
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Exchange Control Applications to the SARB

Minimum Fee (per application)
Special request or follow-up Discretionary Admin Fee (minimum)
R1 140.00
Savings
Account
R75.00
Low Value Inward SWIFTs and Bills Negotiable

Mzansi
Account
Foreign Currency Inward SWIFTs and BNs

Value R0 - R100.00
R29.00
Value R100.01 - R500.00
R58.00
Value R500.01 - R1 000.00
R111.00
Stokvel
Account
Normal charges as per

product pricing schedule
Smart Save
Account
Value R1 000.01+
Inward SWIFTs received in South African Rand
Social Grant
Commission
ZAR Fee
Value R0 - R100.00
R29.00
R0.00
Value R100.01 - R500.00
R58.00
R0.00
Value R5 00.01 - R1 000.00
R111.00
R0.00
Value R1 000.01 - R2 000.00
R135.00
R35.00
Value R2 000.01 - R3 000.00
R135.00
R90.00
Value R3000.01+
Normal charges as per

product pricing schedule
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
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Fee
Inward Pension Transfers

Value R0 - R1 000.00
R15.00
Value R1 000.01 - R5 000.00
R30.00
Value R5 000.01 - R10 000.00
R45.00
Value R10 000.01 - R25 000.00
R48.00
Value R25 000.01 - R40 000.00
R50.00
Value R40 000.01+
R52.00
Introduction
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print
Home
Home
Global Accounts
Introduction
Keeping
Banking
Simple
FNB Global Accounts makes offshore investment simple

and convenient.
Easy
Easy
Account
Account
With Global Accounts via Online Banking, you are able to:
Open and manage your Global Accounts,
Hold your individual foreign investment allowance in a foreign currency by simply transferring
funds from your FNB Cheque Account into your Global Account,
Make payments to an offshore account from your Global Account,
Repatriate authorised capital from abroad or send your foreign earnings from wherever you are in
the world to your Global Account.
(All transactions are subject to the South African Reserve Bank requirements)
US Dollar
British Pounds
Euros
Australian Dollars
Indian Rupees
Chinese Renminbi
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Fee
Transfer to/from your FNB Cheque Account

to/from your Global Accounts
R50.00
Transfer between Global Accounts
R50.00
International Payments
0,50%
Stokvel
Account
Credit Card
R100.00
eWallet
Forex
Inward SWIFT Transfers

Commission (minimum R135.00 maximum R650.00)
0,50%
Credit Interest Rate
Enquire
Interest is paid on Global Accounts and no minimum blance is required. Rates are subject to change.
For Credit Interest Rates, refer to rates on www.fnb.co.za
Social Grant
Smart Save
Account
Outward SWIFT Transfers
SWIFT fee
Savings
Account
Mzansi
Account
Global Accounts
Commission (minimum R135.00 maximum R650.00)
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Global Accounts are offered in the following currencies:
Easy
Smart
Account
and Islamic
Smart
Account
Forex
Global
Accounts
MoneyGram
The Small
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Print
Home
MoneyGramTM
Introduction
With MoneyGram from FNB, it is easier than ever to send and receive
cash globally via FNB branches, ATMs and Cellphone Banking.
TM
MoneyGram is a money transfer service used to do cross-border, person-to-person payments. Its an

affordable, reliable, fast and convenient way to send or receive foreign currency.
Note: All beneficiaries must first be added in-branch, after which you will be able to transact via FNB ATMs
or Cellphone Banking.
Send Amount (USD)

From
To
Send Fee (USD)
$0.01
$50
$7
$50.01
$100
$10
$100.01
$150
$11
$150.01
$200
$13
$200.01
$250
$15
$250.01
$300
$17
$300.01
$400
$19
$400.01
$500
$24
$500.01
$600
$29
$600.01
$700
$34
$700.01
$800
$39
$800.01
$900
$44
$900.01
$1 000
$49
$1 000.01
$1 200
$55
$1 200.01
$1 500
$63
$1 500.01
$1 800
$70
$1 800.01
$2 500
$90
$2 500.01
$5 000
$140
$5 000.01
$7 500
$240
$7 500.01
$10 000
$290
Keeping
Banking
Simple
Easy
Easy
Account
Account
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
Pricing is set by MoneyGramTM and subject to change at their discretion.
MoneyGram
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The Small Print
Introduction
Important information about our products and prices
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
Keeping
Banking
Simple
Easy
Easy
Account
Account
on FNB ATMs
Errors and omissions excluded
You must apply for each facility or product individually. The grant 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 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 a facility or product
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
Standard Terminology
To assist you in comparing FNBs charges with those of other banks, we have, as far as possible, used
standardised terminology throughout this guide. This is in accordance with Section 13 of the Code of Banking
Practice (COBP). In the case where we have used FNB-specific terminology, we have added the table below
indicating the appropriate standardised terminology which may be used by other banks.
FNB Term (as per pricing guide)
Standard Terminology
Card Purchase
Card Transaction
Payment
Third Party Payment/Stop Order
Smart
Account
and Islamic
Smart
Account
Personal
Cheque
Account
and Islamic
Personal
Cheque
Account
Encore
Cheque
Accounts
Youth (Fluid)
Account
and Islamic
Youth Account
Student
(Lifestart)
Account
Savings
Account
Mzansi
Account
Social Grant
Stokvel
Account
Smart Save
Account
Credit Card
eWallet
Forex
Global
Accounts
MoneyGram
The Small
Print

Personal Pricing Guide From FNB

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Home

First National Bank - a division of FirstRand Bank Limited.

a consultant in an FNB Branch.

To check your balance using eChannels and Mobile Channels

eChannels consist of the following:

Telephone Banking (self-help)

Mobile Channels consist of the following:

FNB Banking App (for Smartphone & Tablet)

Keeping Banking Simple

2. Dont pay if you

Check your account balance

Get a mini statement

Stop debit orders

Pay your clothing accounts

Pay your electricity account and other bills

Play the LOTTO or Powerball

To register for Cellphone Banking

Select more features, then continue

Enter the PIN number for your FNB Card

Choose a Cellphone Banking PIN (keep this secret)

You are now ready for self-service banking:

Dial *120*321# to use Cellphone Banking

Dial *130*321# to buy airtime with no airtime

4. Use Online Banking

An Easy Account is real

Online and Cellphone Banking Subscriptions

Linked Savings Account (Savings Pocket)

Card Purchases (Local Only)

FNB Mini ATM/Slimline

Other Banks Mini ATM

Other Banks ATM

Cheque Deposit at FNB Branch and ATM

R 20.00 (per deposit)

R 80.00 (per cheque)

Other Banks ATM

Linked Account Transfers

Using Mobile Channels

Using eChannels & Mobile Channels

Cancel Debit Order (Stop Payment)

Telephone Banking (Consultant Assisted)

Scheduled Payment Related (Establishment and Amendment)

Using eChannels & Mobile Channels

Branch and Telephone Banking (Consultant Assisted)

Other Banks ATM

Cellphone Banking Mini Statement

R 3.50 (per statement)

Unsuccessful Transactions (Insufficient Funds or Limit Exceeded)

Returned Item (Debit Order and Scheduled Payments)

R 5.00 (per item)

Card Replacement Fees

Convenience and Value Added Services

Pay & Clear Now

Cardless Cash Withdrawals

Reversal of Send Money to eWallet

Electronic Subscriptions Services (Fee per Month)

Scheduled Payment Alert

Balance Alert (Fee per Month)

Online Banking Account Verification (FNB Accounts and Other

Wrongfully Disputed Debit Order Fee (if disputed after 40 days

Smart Account and

Exclusive for Smart Account Holders:

Islamic Smart Account

* Terms, conditions and rules apply.

Linked Savings Account (Savings Pocket)

Dial 120321# to use Cellphone Banking

Dial 130321# to buy airtime with no airtime