understand your bank fees.

Transcription

1 understand your bank fees. Pricing Guide 1 July June 2016 Home s First National Bank of Swaziland - a subsidiary of FirstRand EMA Holdings Limited. A Licensed Financial Services Institution.

2 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 are valid from 1 July 2015 to 30 June The fees outlined in this guide are FNB s most common fees for a detailed list of fees on your account, please visit or chat to a consultant in an FNB Branch; or call the Call centre on (+268) 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: Pay no fees when you use your FNB Debit, or Credit Card to pay at any Point of sale. Access to Cellphone, Online and the FNB App (there are no subscription fees) InContact; we ll SMS you every time more than E100 goes into, or out of, your account echannels consist of the following: FNB ATM Online Telephone (self-help) s Mobile Channels consist of the following: Cellphone FNB App (for phone & Tablet)

3 There are lots of different ways of getting things done without going into an FNB Branch. 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 for help. 1. Go cashless s Using cash is normally the most expensive way of banking (and also the most unsafe as it is easy t o 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 or using your cellphone is quicker and cheaper t han 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 acc ount use an FNB ATM. Y ou can deposit your money any time (day or night) 2. Don t pay if you don t have to Check your balance with FNB 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.

4 3. Use Cellphone Did you know you can do most of your banking using your cellphone? Cellphone is quick, safe, easy and works on any cellphone. With Cellphone you can: Buy Prepaid Airtime and Electricity by dialling *130* 321# Check your account balance Get a mini statement s To register for Cellphone at your nearest branch & get started. Enter the PIN number for your FNB Card Choose a Cellphone PIN (keep this secret) You are now ready for self-service banking: -Dial *130*321# to use Cellphone -Dial *103*321# to buy airtime with no airtime 4. Use Online Online 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 what s even better, is that your subscription to Online is. FNB customers can easily set up their Online profile by visiting your nearest branch.

5 The is real value for money. A straightforward Bank 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. s The two pricing options are set out below. Transaction Description Monthly Fees Unlimited Pay-As-You-Use Monthly Fee E30.00 E3.25 Online and Cellphone Registrations InContact Card Purchases Pay with your card Cash Withdrawals FNB ATM 2 thereafter E6.30 per E E6.30 per E FNB Mini ATM/Slimline Other Banks ATM E4.50 per E E (E6.30 per E500.00) Deposits Cash Deposit at FNB ATM Deposit at FNB Branch and ATM E1.00 per E (min E7.00) E17.60 per deposit

6 Transaction Description Unlimited Pay-As-You-Use Prepaid Purchases Airitime E2.10 E2.10 Electricity Linked Transfers FNB ATM, Online, Cellphone, Telephone & Online scheduled payment. FNB Branch E10.00 Payments FNB Branch Debit Orders s Internal E5.25 External Scheduled Payment Related (Establishment and Amendment) E18.00 Establishement fee (FNB branch) E28.00 Amendment fee (FNB branch) E14.00 Balance Enquiries FNB ATM, Online & Cellphone Branch E5.30 Other Banks ATM

7 Transaction DescriptionF Statements FNB ATM Transaction List & Cellphone Mini Statement Archive Statement (per statement) Branch Statements Unsuccessful Transactions (Insufficient Funds or Limit Exceeded) FNB ATM & POS declined transaction fee Other FNB (Point-of-Sale, Scheduled Payment, EDO) and Other Banks ATM Failed scheduled transaction Card Replacement Fees Card Replacement fee Send Money Send Money to an ewallet E20.00 to E Send Money to an ewallet E to E Send Money to an ewallet Greater than E ee E26.25 (per statement) E12.60 (per page) E7.00 E7.00 E7.00 E96.00 E9.00 E13.50 E18.00 s Pay 2 Cell E13.00 Payment Notifications SMS Fax E0.75 E1.45 E4.50 Other Fees Dispute transaction fee E70.00

8 A is perfect if you re 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: Card purchases Payments and Transfers using echannels and Mobile Channels ATM cash withdrawals You also get six FNB ATM withdrawals every month. This is great if you earn a regular income, or you use your account often during the month. s 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. * Terms, conditions and rules apply.

9 Transaction Description Monthly Fees Monthly Fee Online and Cellphone Registrations InContact Card Purchases Unlimited Pay-As-You-Use E78.00 E18.50 Local Card Purchases International Card Purchases Cash Withdrawals s FNB Mini ATM/Slimline Other Banks Mini ATM E4.50 per E E8.00 +E6.30 per E FNB ATM Six every Month, thereafter E6.30 per E E6.30 per E International ATM E41.00 FNB Branch + E1.70 per E International Branch E43.00 Deposits Cash Deposit at FNB ATM Cash Deposit at FNB Branch Deposit at FNB Branch and ATM E1.00 per E (min E7.00) E1.70 per E (min E30.00) E17.60 ENC Upliftment Fee and Special Clearance Prepaid Purchases Airtime Electricity E2.10

10 Transaction Description Unlimited Pay-As-You-Use Linked Transfers FNB ATM, Online, Cellphone, Telephone & Online scheduled payments FNB Branch Payments FNB ATM, Online, Cellphone, Telephone & Online scheduled payments FNB Branch E10.00 E13.00 Bank Debit Orders Internal E E5.25 s External Cancel Debit Order (Stop Payment) E18.00 Online - Stop payment Branch Scheduled Payment Related (Establishment and Amendment) Establishment fee (Branch) E28.00 Amendment fee (Branch) E14.00 Balance Enquiries Online & FNB ATM Cellphone E0.90 Other Banks ATM E5.30 Branch E5.30 Statements Cellphone Statement E5.25 FNB ATM Mini Statement

11 Transaction Description Unlimited Pay-As-You-Use Statements Historical Statements older than 3 months - Online Posted/Printed Statement Provisional Statement Unsuccessful Transactions (Insufficient Funds or Limit Exceeded) FNB ATM, POS & Online Scheduled payment Other Banks ATM Returned Item (Debit Order and Scheduled Payments) Card Replacement Fees Chip & PIN Card (non-personalised) ised Card Send Money E12.10 E12.10 E12.10 E12.10 E7.00 E7.00 E7.00 E80.00 E96.00 s Send Money to an ewallet E20.00 to E E9.00 Send Money to an ewallet E to E E13.50 Send Money to an ewallet Greater than E E18.00 Payment Notifications SMS Fax E0.75 E1.45 E4.50 Other Fees Dispute Transaction feee 70.00

12 s Get access to a range of lifestyle benefits and created just for you. A from FNB offers you so much more than just a Bank - it offers you functionality and flexibility, allowing you to manage your money in the best way possible. All Customers have access to the following: s Bank monthly subscription to FNB electronic & mobile channels InContact; we ll SMS you every time R100 or more goes into, or out of your account ed monthly statements You don t pay transactional fees when you swipe your Card, no matter how big, or small y our purchase is Borrow Overdraft: offers you instant access to short-term credit so you ll have money to cover unexpected e xpenses, and you only pay when you use it Pricing options are available to ensure you always get exactly what you need, without paying too much: Bundled Pricing Option: This option is for you if you want to pay a fixed discounted monthly account fee for your. discounted monthly account fee for your. 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 at FNB ATMs You also get six FNB ATM withdrawals every month

13 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. * Terms, conditions and rules apply. s

14 Fees for these options are set out below. Transaction Description Monthly Fees* Unlimited Pay-As-You-Use Platinum E E E31.00 E33.00 Other Monthly Fees Online and Cellphone Registration InContact Card Purchases Pay with your card s Cash Withdrawals FNB Mini ATM/Slimline E4.50 per E FNB ATM Six to Eight every Month, thereafter E6.30 per E E6.30 per E Other Banks ATM International ATM FNB Branch/ International Branch E8.00+ (E6.30 per E500.00) E (E1.70 per E100.00) E43.00

15 Transaction Description Unlimited Pay-As-You-Use Linked Transfers Into Linked ( Pocket) E10.00 FNB Branch Payments FNB ATM, Online, Cellphone, Telephone & Online scheduled payments FNB Branch/ E10.00 Bank E Debit Orders Internal E5.25 s External E18.00 Cancel Debit Order (Stop Payment) Online - Stop Payments Branch - Stop Payments Scheduled Payment Related (Establishment and Amendment) Establishment Fee E28.00 Amendment Fee E14.00 Deposits Cash Deposit at FNB ATM Cash Deposit at FNB Branch Deposit at FNB Branch and ATM ENC Upliftment Fee and Special Clearance E1.00 per E (min E7.00) E1.70 per E (min E30.00) E17.60 E250.00

16 Transaction Description Unlimited Pay-As-You-Use Prepaid Purchases Airtime E2.10 Electricity Balance Enquiries FNB Online and ATMs Other Banks ATM E5.30 Branch E5.30 Statements* Current Month ed Statement s Cellphone Mini Statement E5.30 FNB ATM Mini Statement Historical Statements older than 3 months - Online E12.10 Posted/Printed Statement E12.10 Provisional Statement E12.10 Unsuccessful Transactions (Insufficient Funds or Limit Exceeded) FNB ATM E7.00 Other FNB (Point-of-Sale, Scheduled Payment, EDO) and other Banks ATM E7.00 Card Replacement Fees Chip & PIN Card E96.00 Send Money Send Money to an ewallet E20.00 to E E9.00 Send Money to an ewallet E to E Send Money to an ewallet Greater than E E13.50 E18.00

17 Transaction Description Unlimited Pay-As-You-Use Additional Statements (Fee per Month) Daily E42.50 Online Weekly Twice Monthly E19.10 E10.60 Paper Daily Weekly E85.00 E34.00 Twice Monthly E17.00 Payment Notifications E0.75 s SMS E1.45 Fax E4.50

18 If you re looking for a flexible way of saving, then the is ideal for you. Fees are set out below. Transaction Description Fee s Monthly Fees Monthly Fee Online and Cellphone Registrations InContact Minimum Balance Minimum Balance in your Card Purchases Pay with your card Cash Withdrawals FNB Mini ATM/Slimline Other Banks Mini ATM, ATM FNB ATM FNB Branch Linked Transfers E8.10 E E4.50 per E E (E6.30 per E500.00) E9.00 FNB ATM, Online, Cellphone, Telephone & Online scheduled payments FNB Branch E17.00

19 Transaction Description Payments FNB Branch Debit Orders Internal External Cancel Debit Order (Stop Payment) Online Branch Deposits Cash Deposit at FNB ATM Cash Deposit at FNB Branch Deposit at FNB Branch and ATM Prepaid Purchases Airtime Electricity Balance Enquiries Using echannels & Mobile Channels Statements FNB ATM Mini ATM Branch Statements Other Fees Fee E5.25 E18.00 E1.00 per E (min E7.00) E1.70 per E (min E30.00) E17.00 E2.10 E13.00 (per page) s

20 At FNB we aim to simplify your Foreign Exchange Transactions. With your convenience in mind, we have adapted our for personal banking so that you can effortlessly: 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 FNB s channels: FNB Online Advisory Team FNB Branches s

21 Foreign Currency s * Min Max USD GBP E25.00 E15.00 E75.00 E70.00 EUR E15.00 E70.00 Deposits Statements Control Attestation Follow ups Applications Written/Form G Extraordinary Customer Queries Up to 3 months old Older than 3 months Stop payments Contracts Establishment Drawdowns 1st Subsequent Cancellation Extension Local Transfer E20.00 E E20.00 E E E E E E E75.00 E E E35.00 s

22 Trade Services Guarantees Establishment Local Guarantees Minimum Charge Foreign Guarantees Minimum Charge Cash Secured Minimum Charge Amendments (Local and Foreign) Telecommunication Cost Postage/Courier Export Letters of Credit Advising Fee L/C collected to negotiate at another bank Amendment E % per 6 months E % per 6 months E % per 6 months E E E70.00 Actual cost E E E SWIFT Charge s SWIFT E70.00 Courier Actual cost Negotiation 0.50% Assignment of Proceeds Expired Unutilised Fee 0.75% E E300.00

23 Trade Services Foreign Bills (Imports and Exports) Commision Minimum Charge 0.55% of value E Maximum Charge E SWIFT E80.00 Import Letters of Credit Establishment Minimum Charge SWIFT 0.8% per 3 months E E s Negotiation 0.25% min E Discrepant Documents E500.00

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