Smart Account, Islamic Smart Account and Classic Credit Card

Transcription

1 Smart Account, Islamic Smart Account and Classic Credit Card Pricing Guide 1 July June 2016 First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).

2 Smart Account from R p/m If you want a bank account with low fees and lots of flexibility, a Smart Account is a good idea. Being smart means being real about your needs. And then finding smart solutions for a simpler life. That s what an FNB Smart Account offers you: some basic banking, saving and borrowing options along with some great ways of keeping connected with loads of Bank Unlimited swipes when you use your Smart Card to pay Draw cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer store tills of fees subscription to incontact. This means we ll SMS you for every time more than R 100 goes out of or into your account subscription to Cellphone Banking, Online Banking, Telephone Banking and the FNB Banking App. You pay only for the data you use Save A Linked Savings Account that earns you interest. FNB s Islamic offering also offers a competitive return The option to Bank Your Change when we round your card purchase value up and transfer the difference between your purchase amount and that amount into your Linked Savings Account. So, you save while you spend prepaid airtime opportunities. subscription to FNB Cellphone Banking, Online Banking, Telephone Banking, and the FNB Banking App Unlimited swipes when you use your Card to pay Islamic Smart Account FNB is proud to offer you a Shari ah-compliant Smart Account, with the same value-adds, reward benefits and pricing as a Smart Account customer. With Islamic Banking, you may be eligible to earn a monthly profit share on your Linked Savings Account. For more information, contact the Islamic Banking Contact Centre on * Terms, Conditions and Rules apply. Borrow A Temporary Loan is a pre-approved, short-term credit offering, for which there is no need to fill in any forms Revolving Loan that lets you re-access your funds once you ve paid 15% of your original loan amount. Smart, nè? Please note Temporary Loans and Revolving Loans are not offered on the Islamic Smart Account. Live R 5 back in prepaid airtime for every R 100 you pay with your Smart Account card at Shoprite & Checkers store tills R 5 back in prepaid airtime for every R 100 prepaid airtime when you buy on Online Banking, Cellphone Banking and the FNB Banking App NEW! R 15 back in prepaid airtime for every R 100 spent on FNB Connect prepaid airtime (that you purchased using Online Banking, Cellphone Banking and the FNB Banking App) and/or on a qualifying FNB Connect contract * This assumes that you have an active Smart Account in good standing, deposit at least R into your account and spend R 300 or more using your Smart Account Card. (*Terms, Conditions and Rules apply.)

3 With a Smart Account and Islamic Smart Account, you get to choose one of two pricing options: Pay-As-You-Use and Value Pricing. A Linked Savings Account that earns you interest Draw cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer store tills of fees subscription to incontact. We ll SMS you every time more than R 100 goes out of - or into - your account Pay-As-You-Use Pricing If you don t use your account a lot, the Pay-As-You-Use Pricing Option is your best bet. With this option and for a low monthly fee you get: To save by paying only for the transactions you do Unlimited swipes on card purchases To draw cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer store tills of fees mini-statements on Cellphone Banking balance enquiries using Cellphone Banking, Online Banking and the FNB Banking App Value Pricing If you use your account regularly and want to control costs by paying a monthly fee, opt for the Value Pricing Option. On a monthly basis, you get: Unlimited swipes on card purchases Cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer store tills of fees A combination of ten electronic transactions (payments, transfers and debit orders) Four FNB ATM withdrawals Pay-As-You-Use Pricing Option Monthly Monthly Account Fee R Online and Cellphone Banking Subscriptions incontact Linked Savings Account (Savings Pocket) Card Purchases Pay with your Card Commission and Currency Conversion Fee on International Card Purchases 2.75% of transaction value Cash Withdrawals Cash@Till FNB Slimline R 5.00 FNB ATM R R 1.30 per R 100 Other Banks ATM International ATM (Additional 2.75% Commission and Conversion fee applies) R FNB ATM Fee R FNB Branch/Cheque R R 1.65 per R 100 International Branch (Additional 2.75% Commission and Conversion fee applies) R R 1.65 per R 100

4 Deposits Cash Deposit at FNB ATM R 0.70 per R 100 (minimum R 5.50) Cash Deposit at FNB Branch R 1.65 per R 100 (minimum R 50.00) Cheque Deposit at FNB Branch and ATM R ENC Upliftment Fee and Special Clearance R Linked Account Transfers Into Linked Savings Account (Savings Pocket) Using Mobile Channels R 1.50 Using echannels R 3.50 FNB Branch or Telephone Banking (Consultant Assisted) R Payments Using Mobile Channels R 1.50 Using echannels R 7.00 FNB Branch or Telephone Banking (Consultant Assisted) R Bank Cheque R Debit Orders Internal R 3.70 External R 7.50 Cancel Debit Orders (Stop Payments) Online or Mobile Channels R 5.00 Telephone Banking (Consultant Assisted) R Branch R Scheduled Payment Related (Establishment and Amendment) Online Branch R Prepaid Airtime Purchases Using echannels and Mobile Channels R 1.10 Other Banks ATM or Telephone Banking (Consultant Assisted) R 9.00 Balance Enquiries Using echannels and Mobile Channels Point-of-Sale R 1.50 Other Banks ATM, International Point-of-Sale, Branch or Telephone Banking (Consultant Assisted) R 5.00 Statements Cellphone Banking Mini Statement FNB ATM Transaction List R 3.00 Historical Statements older than 3 months Online Banking ing of Statements Branch and Telephone Banking Printing of Statements Smart Kiosk Printing of Statements Branch and Telephone Banking R 6.00 (per statement) R (per statement) R 3.50 (per page) R per page (charges only apply to the first six)

5 Insufficient Funds FNB ATM Point-of-Sale, Scheduled Payment, EDO and Other banks ATM R 8.00 Unpaid Item Fee or Payment Honouring Fee* R 8.00 Card Replacement Chip & PIN Non-Personalised Card R Chip & PIN Personalised Card R Convenience and Value Added Services LOTTO /Powerball, Pay TV prepaid, itunes, Electricity, Traffic Fines, Transport R 1.75 Multichoice Payments R 5.00 Pay & Clear Now R Cardless Cash Withdrawals R R 1.30 per R 100 Send Money Send Money to ewallet R 9.50 Reversal of Send Money to ewallet R Send Money to Zimbabwe/Mozambique Value: R20.00 R R Value: R R R Value: R R R Additional Statements Fee Daily R Online Weekly R Twice Monthly R Daily R Paper Weekly R Twice Monthly R Electronic Subscriptions Services Fee My Limit Alert R 3.00 Scheduled Payment Alert R 3.00 Balance Alert (Fee per month) Fee Monthly R 1.00 Weekly R 3.00 Daily R Payment Notifications R 0.74 SMS R 1.15 Fax R 5.50 *A service fee charged for each payment honoured where there is not enough money in your transactional account.

6 Other Card Courier Fee R Online Banking Account Verification (FNB Accounts and Other Banks Accounts) R 4.60 Online Banking Payment History (older than 3 months) R 4.60 Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists) R Value Pricing Option Transaction * Monthly Account Fee R FNB ATM Withdrawals** FNB Slimline Withdrawals 4 per month echannel and Mobile Channel Transfers echannel and Mobile Channel Payments A combination of 10 Internal and External Debit Orders * not listed above are as per Pay-As-You-Use ** Includes Cardless Cash Withdrawals

7 Classic Credit Card R 34 p/m Inc. Credit Facility Service Fee Today, credit cards are not just about credit. They re about life. Well managed, a credit card can open your world up to everyday benefits. And a Classic Credit Card from FNB is no different. Protection with Online Secure, giving you a OTP to protect your card s exclusivity ed monthly statements Bank Unlimited swipes when you use your Classic Credit Card to pay subscription to incontact. This means we ll SMS you every time more than R 100 goes out of or into your account subscription to Cellphone Banking, Online Banking, Telephone Banking and the FNB Banking App. You pay only for the data you use balance enquiries using Cellphone Banking, Online Banking and the FNB Banking App. You pay only for the data you use ed monthly statements lost card protection and PIN replacement Auto Payment, offering you the convenience of having your account paid on time each month The ability to make secure payments with your Chip & PIN Credit Card Protection from unauthorised online transactions with Online Secure, giving you a One Time PIN (OTP) to protect your card s exclusivity Automatic Debt Protection to settle your outstanding credit card debt in the event of death or permanent disability, with the option to sign up for FNB s Top-up Debt Protection Plan, for which there s a charge subscription to FNB Cellphone Banking, Online Banking, Telephone Banking, and the FNB Banking App Save Personalised and competitive debit interest rates based on your personal risk profile Borrow Up to 55 days interest-free credit Personalised and competitive debit interest rates

8 AA Emergency Roadside Assistance with a linked Petro Card R 5 back in prepaid airtime for every R 100 spent at Checkers & Shoprite Global Travel Insurance when you purchase your return travel ticket(s) using your Classic Credit Card Live AA Emergency Roadside Assistance with a linked Petro Card Global Travel Insurance, covering you locally and internationally when you purchase your return travel ticket(s) with your Classic Credit Card delivery of your Classic Credit Card to your nearest branch The opportunity to purchase FNB s Lifestyle Protector, providing lifestyle cover in the event of death or permanent disability The ability to earn prepaid airtime for doing everyday things like shopping at Checkers & Shoprite and buying prepaid airtime electronically through FNB* R 5 back in prepaid airtime for every R 100 spent at Checkers & Shoprite R 5 back in prepaid airtime for every R 100 prepaid airtime when you buy through Online Banking, Cellphone Banking and the FNB Banking App NEW! R 15 back in prepaid airtime for every R 100 spent on FNB Connect prepaid airtime (that you purchased using Online Banking, Cellphone Banking and the FNB Banking App) and/or on a qualifying FNB Connect contract Terms, Conditions and Rules apply. *For more on ebucks Rewards, go to Classic Credit Card per month Credit Card Monthly Account Fee R Credit Facility Service Fee R Additional Card (per card linked to account) R Linked Petro Card (per card linked to account) R Initiation Fee (once-off) R Standalone Petro Card per month Credit Card Monthly Account Fee R Credit Facility Service Fee R Additional Card (per card linked to account) R Initiation Fee (once-off) R 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 and maintenance of maintaining your Credit Facility Credit Card Monthly Account and Credit Facility Service are not negotiable Purchases Credit Card Purchases* Credit Card Budget Purchases* Commission and Currency Fee on International Card Purchases 2.75% Fuel Transaction Fee (Petro Cards only) R 5.00

9 Cash Withdrawal FNB ATM Other Banks' ATM FNB Mini ATM Branch (includes all Financial Institution Branches and the Purchase of Foreign Exchange) Cash on Budget International* (ATM and Branch) R R1.30 per R100 R FNB ATM Fee R R1.30 per R100 R R1.65 per R100 R % of withdrawal value R R1.65 per R100 * International Currency Commission and Conversion Fee of 2.75% of the transaction value applies for international purchases. This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATMs charge an additional surcharge. Deposits Cheque Deposits R FNB ATM with Automated Deposit Terminal (ADT) R 0.70 per R 100 (R 5.50 minimum) Cheque Clearance Fee R FNB Branch and FNB ATM with envelope deposits R 1.65 per R 100 (R 50 minimum) Linked Account Transfers and Account Payments IVR Smart Transfer to FNB Linked Account Transfers R 3.50 Third Party Payments R 7.00 Telephone Banking (Consultant Assisted) R Transfers and Payments at Branch R Voucher Retrieval Requests Local R International R Other Declined Transaction Fee R 8.00 Bank Cheque Administration Fee R Card Replacement Fee (per card) (standard 3-day delivery) R Fast-track Card Replacement Fee (per card) (24-hour delivery on request) R Card delivery to nearest FNB Branch Card courier personal delivery R Section 129 Letter Fee R 59.79

10 Convenience Send money to an ewallet (R R ) R 9.50 Reversal of incorrect "Send Money to FNB ewallet" transaction R Cardless Cash Withdrawal R FNB ATM Fee Pay2Cell R 3.80 LOTTO /Powerball Purchase R 2.20 Prepaid Transaction Fee (FNB ATM, Cellphone, Online & Telephone Banking) R 2.20 Uncapped ADSL Fee R 2.20 Important Information The above pricing is inclusive of VAT Interest rates are personalised and appear on the credit card statement Visit our website at 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 If your Credit Facility goes into arrears, you will be liable for collection fees in accordance with the National Credit Act The Small Print FNB s Small Print is straightforward. Here we go: Information on our products and prices FNB, a division of FirstRand Bank Ltd., reserves the right to change fees or be held responsible if an error or omission is found. introduce new fees from time to time. If we do this, though, we ll give you at You must apply for each facility or product individually. least 20 business days notice of these changes. You ll find changes on or on FNB ATMs. The grant of any facility or product is subject to you meeting the qualifying criteria of that product or facility. We strive to keep the information provided in the pricing guide as accurate as possible, and we will not Each facility or product has a set of terms and conditions for that specific facility or product. We agree on these terms and conditions with the applicant. If there is disagreement between the product or facility-specific terms and conditions and what s outlined in this pricing guide, we ll follow the product or facility-specific terms and conditions that apply to such a facility or product. The Bank reserves the right to change the features of any product or facility at any time. quoted as per R 100 or per R 500 include parts thereof. When Cellphone Banking is referred to, standard network rates apply. All fees quoted are VAT inclusive and are effective from 1 July 2015 to 30 June The fees included here are not all of FNB s fees. For all the fees on this account, please go to First National Bank, a division of FirstRand Bank Ltd, is an Authorised Financial Services Provider. Terms, Conditions and Rules apply. Standard network rates apply. Standard terminology If you want to compare FNB s fees with those of other banks, we have, as far as possible, used standard terminology throughout this pricing guide. This is in line with Section 13 of the Code of Banking Practice (COBP). In the case where we ve used FNB-specific terminology, we ve added this here showing the wording that other banks may use. So, FNB s term as per this pricing guide is Card Purchase, while the standard terminology is Card Transaction ; FNB s term is Payment, while the standard terminology equivalent is Third Party Payment/Stop Order. FNB uses the term Slimline Devices whereas other banks might call them Mini ATMs. FNB uses the term echannels, which refers to FNB Online Banking, Cellphone Banking, Telephone Banking Interactive Voice Response (IVR) and FNB ATMs. FNB s Mobile Channels refer to Cellphone Banking and the FNB Banking App.