Gold Cheque Account, Islamic Gold Cheque Account and Gold Credit Card

Transcription

1 Gold Cheque Account, Islamic Gold Cheque Account and Gold 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 Gold Cheque Account R 100 p/m A Gold Cheque Account is more than just a bank account. It s something that offers you functionality and flexibility. Something that helps you manage your money in a way that works for you. We ve done some research on you and we know that banking, saving, borrowing and having the lifestyle you want are some of the things you think about. We want you to have that lifestyle too. We want you to go for it to go for Gold. Bank Unlimited swipes when you use your Gold Cheque Account 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 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 ed monthly statements 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 Islamic Gold Account FNB is proud to offer you a Shari ah-compliant Gold Cheque Account, with the same value-adds, reward benefits and pricing as a Gold Cheque Account. 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 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 repaid 15% of your original loan amount Overdraft access that is of initiation fees. You only pay for it when you use it Please note that Overdraft, Temporary Loans and Revolving Loans are not offered on the Islamic Gold Cheque Account.

3 ed monthly statements 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 Live Delivery of your Gold Cheque Account Card to your home or office Possible qualification for a new smartphone, tablet or laptop at discounted prices over a 24-month period with 0% interest subscription to ebucks Rewards* The ability to earn ebucks for doing everyday things like swiping your card, shopping online, shopping internationally, shopping at Checkers & Shoprite, filling up with fuel, using Uber domestically, purchasing prepaid airtime electronically through FNB, purchasing FNB Connect prepaid airtime, having an FNB Connect contract or when you send or receive foreign currency through FNB Forex Earn up to 0.75% back in ebucks when you swipe your Cheque Card when shopping and up to 1.5% back when you shop online or internationally Earn up to 15% back in ebucks when you fill up with fuel, use Uber domestically or shop at Checkers & Shoprite with your Gold Cheque Card Earn up to 40% back in ebucks on your qualifying FNB Connect contract or when purchasing FNB Connect prepaid airtime The freedom to spend your ebucks on almost anything: fuel, electronics, appliances, travel, books, CDs, DVDs, flowers, outdoor equipment, fashion you name it Get up to 40% discount on selected items from the ebucks Shop as well as up to 40% off local and international flights and domestic car hire through ebucks Travel**. This means that the more ebucks you earn, the more you save when you spend your ebucks while getting a discount on your purchase at the same time. Sounds like a no-brainer to us! To best optimise your ebucks earnings, having an Gold Cheque Account in conjunction with a Gold Credit Card is the way to go. This will mean that you can move up your ebucks Rewards level more quickly and earn more ebucks. Unlimited swipes when you use your Gold Card to pay Terms, Conditions and Rules apply. *For more on ebucks Rewards, go to **Discounts exclude all taxes. Earn ebucks for doing everyday things like paying with your card Unlimited Pricing FNB s pricing option for Gold customers, called Unlimited Pricing, offers Gold Account customers the benefit of a fixed-fee account. This way, you always have a sense of what your costs are and feel in control of what you re paying for. Each month, you get: Unlimited qualifying electronic transactions using Online Banking, Telephone Banking and the FNB Banking App for transactions like debit orders, card purchases, payments and transfers To draw cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer store tills of fees Four FNB ATM withdrawals

4 Unlimited Pricing Option Transaction Fees Monthly Account Fee* R FNB ATM Withdrawals** Online and Cellphone Banking Subscriptions incontact Linked Savings Account (Savings Pocket) Pay with your Card Cash@Till withdrawals FNB Slimline Withdrawals echannel and Mobile Channel Transfers echannel and Mobile Channel Payments Internal and External Debit Orders Current Month ed Statement 4 per Month * An additional monthly Exchange Control Administration Fee of R will be levied on Non-Resident Cheque ** Includes Cardless Cash Withdrawals Other Fees Petrol Card (Monthly Fee) R Card Purchases Commission and Currency Conversion Fee on International Card Purchases 2.75% of transaction value Petrol Card Fuel Purchases R 5.00 Cash Withdrawals 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 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 FNB Branch or Telephone Banking (Consultant Assisted) R Payments FNB Branch or Telephone Banking (Consultant Assisted) R Bank Cheque R 90.00

5 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 Posted Statement 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 (per statement) R 6.00 (per statement) R (per statement) R 3.50 (per page) R per page (Charges only apply to the first six pages.) 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 per R 100 (maximum R 100) Card Replacement Fees Visa Cheque Card/ Chip & PIN Card R FNB Petrol Card R Credit Fees Monthly Overdraft Fee (only pay when you use R200 or more of your Overdraft) R Monthly Revolving Loan Fee R Cheque Book Fees Pocket 40 Form R Copies of Vouchers (Deposit Slips and Cheques) Online Banking Branch and Telephone Banking (Consultant Assisted) R *A service fee charged for each payment honoured where there is not enough money in your transactional account.

6 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 an ewallet R 9.50 Reversal of Send Money to ewallet R Send Money to Zimbabwe/ Mozambique Value: R R R Value: R R R Value: R R R Additional Statements (fee per month) Daily R Online Weekly R Twice Monthly R Daily R Paper Weekly R Twice Monthly R Electronic Subscriptions Services (fee per month) My Limit Alert R 3.00 Scheduled Payment Alert R 3.00 Balance Alert (fee per month) Monthly R 1.00 Weekly R 3.00 Daily R Payment Notifications R 0.74 SMS R 1.15 Fax R 5.50 Other Fees Card Courier Fee R Cheque Book Courier 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

7 Gold Credit Card R 40 p/m Inc. Credit Facility Service Fee Credit cards aren t just about credit. They re about living. An FNB Gold Credit Card is your way into the world, a world where reality and rewards meet, where buying and benefits work together for you. Protection with Online Secure, giving you a OTP to protect your card s exclusivity subscription to FNB Cellphone Banking, Online Banking, Telephone Banking, and the FNB Banking App ed monthly statements Bank Unlimited swipes when you use your Gold 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 FNB 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, Telephone Banking and the FNB Banking App ed monthly statements Save Personalised and competitive debit interest rates based on your personal risk profile 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 the 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 Borrow Up to 55 days interest- credit Personalised and competitive debit interest rates

8 AA Emergency Roadside Assistance with a linked Petro Card Comprehensive Global Travel Insurance when you purchase your return travel ticket(s) using your Gold Credit Card Free delivery of your Gold Credit Card to your nearest branch Live AA Emergency Roadside Assistance with a linked Petro Card Comprehensive Global Travel Insurance, covering you locally and internationally when you purchase your return travel ticket(s) using your Gold Credit Card delivery of your Gold Credit Card to your nearest branch The opportunity to purchase FNB s Lifestyle Protector, providing lifestyle cover in the event of your death or permanent disability subscription to ebucks Rewards* if you hold an FNB Gold Cheque Account and a Gold Credit Card The ability to earn ebucks for doing everyday things like swiping your card, shopping online, shopping internationally, shopping at Checkers & Shoprite, filling up with fuel, using Uber domestically, purchasing prepaid airtime electronically through FNB, purchasing FNB Connect prepaid airtime, having an FNB Connect contract or when you send or receive foreign currency through FNB Forex Earn up to 1.5% back in ebucks when you swipe your Gold Credit Card when shopping and up to 3% back when you shop online or internationally Earn up to 15% back in ebucks when you fill up with fuel, use Uber domestically or shop at Checkers & Shoprite with your Gold Credit Card Earn up to 40% back in ebucks on your qualifying FNB Connect contract or when purchasing FNB Connect prepaid airtime The freedom to spend your ebucks on almost anything: fuel, electronics, appliances, travel, books, CDs, DVDs, flowers, outdoor equipment, fashion you name it Get up to 40% discount on selected items from the ebucks Shop as well as up to 40% off local and international flights and domestic car hire through ebucks Travel**. This means that the more ebucks you earn, the more you save when you spend your ebucks while getting a discount on your purchase at the same time. Sounds like a no-brainer to us! To best optimise your ebucks earnings, having a Gold Cheque Account in conjunction with a Gold Credit Card is the way to go. This will mean that you can move up your ebucks Rewards level more quickly and earn more ebucks. Terms, Conditions and Rules apply *For more on ebucks Rewards, go to **Discounts exclude all taxes Gold Credit Card Fees Fees per month Credit Card Monthly Account Fee R Credit Facility Service Fee R Additional Card Fees (per card linked to account) R Linked Petro Card (per card linked to account) R Initiation Fee (once-off) R

9 Standalone Petro Card Fees per month Credit Card Monthly Account Fee R Credit Facility Service Fee R Additional Card Fees (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 Fees and Credit Facility Service Fees are not negotiable Purchases Credit Card Purchases Credit Card Budget Purchases Fees Commission and Currency Fee on International Card Purchases 2.75% Fuel Transaction Fee (Petro Cards only) R 5.00 Cash Withdrawal Fees Fees FNB ATM R R 1.30 per R 100 Other Banks' ATM R FNB ATM Fee FNB Mini ATM R R 1.30 per R 100 Branch (includes all Financial Institution Branches and the Purchase of Foreign Exchange) R R 1.65 per R 100 Cash on Budget R % of withdrawal value International* (ATM and Branch) R R 1.65 per R 100 * 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 ATM s charge an additional surcharge. Deposits Fees 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 Linked Account Transfers and Account Payments IVR Smart Transfer to FNB R 1.65 per R 100 (R 50 minimum) Fees 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

10 Other Fees 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 Credit Card Monthly Rewards Fee R per month Convenience Fees Send Money to ewallet (R R ) R 9.50 Reversal of incorrect "Send Money to 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 introduce new fees from time to time. If we do this, though, we ll give you at least 20 business days notice of these changes. You ll find changes on or on FNB ATMs. We strive to keep the information provided in the pricing guide as accurate as possible, and we will not be held responsible if an error or omission is found. You must apply for each facility or product individually. The grant of any facility or product is subject to you meeting the qualifying criteria of that product or facility. 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. Fees 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.