Private Clients Pricing Guide 1 July 2008-30 June 2009 First National Bank a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
Pricing Guide 1. Unlimited Option * If you want to know your fees upfront and do your banking mainly using FNB s electronic channels, this option is for you. For a fixed fee of R66 per month you get unlimited electronic transactions no matter how many you do. Electronic Transactions Payments Internal Debit Orders ** External Debit Orders Card Purchases Visa Electron Debit Card Visa Cheque Card Petrol Card Purchases Prepaid Purchases FNB ATM, Online, Cellphone, Telephone (IVR and Speech) Telephone Baking (Consultant Access) Account Payments Cellphone and Telephone Banking (IVR and Speech) ATM and Online Banking Scheduled Payments Telephone Banking (Consultant Access) Linked Account Transfer and Unlimited Cellphone and Telephone Banking (IVR and Speech) ATM and Online Banking Scheduled Transfers Telephone Banking (Consultant Access) Cash Withdrawals FNB ATM FNB Mini ATM Point of Sale (Visa Electron Cards Only) *** Deposits Cheques Cash at FNB ATM
Balance Enquiries FNB ATM Cellphone Banking and Telephone Banking (IVR and speech) Point of Sale (Visa Electron Cards Only) Telephone Banking (Consultant Access) R 2.50 * Please note that this option is not available to business customers. ** Debit orders to Wesbank, FNB Credit Card, Home Loans, FNB Loans & FNB Funeral Cover. *** Transaction limits may apply. The choice of banking channels is yours. Apart from our electronic channels, you also have access to FNB Branches throughout South Africa. Should you ever choose to use a branch, rather than one of our electronic channels, you may do so (even though this option is designed for electronic transactions). The fees you will be charged for these other transactions are listed below and are not included in your fixed fee of R66. Other Transactions not included in the fixed fee of R66 FNB Branch Transactions Cheques Issued / Cashed R 25.00 Account Payments R 25.00 Account Transfers R 25.00 Cash Withdrawal Cash Deposits R 25.00 + 1.05% of value (maximum R1 000) 1.05% of value (minimum R15.00) Balance Enquiries R 2.50 Other Bank s ATM Transactions Prepaid Purchases R 4.50 Cash Withdrawals R 25.00 Other Bank s Mini ATM Cash Withdrawals R 4.50 Balance Enquiries Included and Unlimited Special Instructions Bank Cheques R 45.00 Special Clearance of Cheque Deposits (Per Deposit) R 55.00 Statements Monthly Statements Additional Posted Statements Daily Weekly Bi-Weekly Emailed Statements Transaction History and/or Detailed Balance Enquiries (Online Banking) R45.00 per month R20.00 per month R10.00 per month 1 st 30 per month free, thereafter R1.00 per enquiry
Additional Emailed Statements Daily Weekly Bi-Weekly Emailing of Historical Statements (older than 2 months) R 36.00 R 16.00 R 8.00 R 5.00 per statement Mini Statement (FNB ATM) R 2.00 Provisional Statement (Branch and Telephone Banking) R 4.00 per page Stop Payments Online Banking R 25.00 FNB Branch R35.00 Penalty Fees Dishonoured Payments (minimum charge per item) R 105.00 Honouring Fee (minimum charge per item paid in excess of your account limit) FNB ATM Declined Transaction Fee R 60.00 Other Declined Transaction Fee R 3.00 Other Bank s ATM Decline Transaction Fee R 4.20 Deposit of Post Dated Cheques (per cheque) R 55.00 Value Added Services Payment Notifications Email SMS Fax Balance Alerts Monthly Weekly Daily R 0.50 per notification R 0.75 per notification R 3.50 per notification R 0.75 per month R 2.50 per month R12.50 per month QuickPay Payments (Online Banking) R 60.00 Real Time Clearing Payments (Online Banking and FNB Branch) R 30.00 Subscription Fees Online Banking FNB Telephone Banking FNB Cellphone Banking incontact ^ An additional monthly Exchange Control Admin fee of R10.00 will be levied on Non Resident Cheque accounts. 2. Fee Manager This option is suitable if you wish to know your service fees up-front and do not want to monitor bank charges. Should you choose Fee Manager, you will: Select one of three options with a base monthly fee, which includes a fixed number of transactions. Transactions included are cheques, debit orders, stop orders, prepaid purchases, scheduled payments and transfers, linked account transfers, account payments, FNB ATM cash withdrawals, FNB Mini ATM cash withdrawals, branch cash withdrawal,
cheques and debit card usages, balance enquiries at FNB ATM, Cellphone Banking and Telephone Banking (IVR and Speech), as well as the monthly account fee. Be able to choose the plan suitable for your usage pattern and also have the flexibility to change to a higher or lower plan when you need to. Be charged for items in excess of the limit at an additional per item fee. The monthly options are as follow: Fee Manager Option Fee Transactions included Per item fee thereafter Option 1 R 50.00 6 R 10.00 Option 2 R 90.00 12 R 9.00 Option 3 R 145.00 20 R 8.00 An additional monthly Exchange Control Admin fee of R10.00 will be levied on Non Resident Cheque accounts. There are additional charges for cash deposits at an FNB Branch, ATM mini statements and Saswitch transactions (when you use non-fnb ATMs), balance enquiries in a branch or Telephone Banking (Consultant Assisted) as well as cash handling fees on branch cash withdrawals, special instructions and penalty fees. These are charged for at the Pay as You Use rates tabled below. Please note that all Cellphone and Telephone Banking transactions as well as prepaid purchases through any of our electronic channels will not count towards the number of transactions included in the transactional plan chosen. 3. Fee Saver This option is ideal if you are able to keep a balance of R8 000 or more in your account. Should you choose this fee structure: No service fees are charged on the first 35 transactions, except for cash deposits at an FNB branch, ATM mini statements and Saswitch transactions (when you use non FNB ATMs), balance enquiries in a branch or Telephone Banking (Consultant Assisted) as well as cash handling fees on branch cash withdrawals, special instructions and penalty fees. These are charged for at the Pay as You Use rates tabled below. The 35 transaction may include a maximum of 5 branch cash withdrawals (cash handling fees are still payable). Should your balance drop below R8 000 at any time, during the month, you will be charged at the full service fee, as at the Pay as You Use rates, as well as the monthly account fee of R18.50. All Cellphone and Telephone Banking transactions as well as prepaid purchases through any of our electronic channels are not included in the 35 free transaction limit. No credit interest is paid on this option. An additional monthly Exchange Control Admin Fee of R10.00 will be levied on Non Resident Cheque Accounts.
4. Pay As You Use This option is ideal if you prefer to be charged for each transaction as set out in the table below. Electronic Transactions Payments Internal Debit Orders * R 3.00 External Debits Orders ** R 12.00 Card Purchases Visa Electron Debit Card R 1.90 Visa Cheque Card R 4.75 Petrol Card Purchases R 3.25 Prepaid Purchases FNB ATM, Online, Cellphone, Telephone (IVR and Speech) Telephone Banking (Consultant Access) R 6.50 Account Payments Cellphone and Telephone Banking (IVR and Speech) ATM and Online Banking R 6.50 Scheduled Payments R 6.50 Telephone Banking (Consultant Access) R 16.50 Linked Account Transfer Cellphone and Telephone Banking (IVR and Speech) ATM and Online Banking R 3.00 Scheduled Payments R 3.00 Telephone Banking (Consultant Access) R 16.50 Cash Withdrawals FNB ATM FNB Mini ATM R 1 - R500.00 R500.01 - R1000.00 R1000.01 + R 1 - R500.00 R500.01 + R 5.30 R 10.60 R 15.90 R 2.00 R 5.50 Point of Sale (Visa Electron Cards Only) *** R 1.90 Deposits Cheques Cash at FNB ATM Balance Enquiries FNB ATM
Cellphone Banking and Telephone Banking (IVR and Speech) Point of Sale (Visa Electron Cards Only) R 1.25 Telephone Banking (Consultant Access) R 2.50 FNB Branch Transactions Cheques Issued / Cashed ** R 21.00 Account Payments R 16.50 Account Transfers R 16.50 Cash Withdrawal R21.00 + 1.05% of value (maximum R1000) Cash Deposits 1.05% of value (minimum R 15.00) Balance Enquiries R 2.50 Other Bank s ATM Transactions Prepaid Purchases R 4.50 Cash Withdrawals Other Bank s Mini ATM Cash Withdrawals R 5.75 + ATM Fee R 1 - R500.00 R500.01 - R1000.00 R1000.01 + R 3.00 R 6.50 R 10.00 Balance Enquiries R 3.00 Other Account Related Fees (payable irrespective of the pricing option selected) Special Instructions Bank Cheque R 45.00 Special Clearance of Cheque Deposits (Per Deposit) R 55.00 Statements Monthly Statements Additional Posted Statements Daily Weekly Bi-Weekly Emailed Statements Transaction History and/or Detailed Balance Enquiries (Online Banking) Additional Emailed Statements Daily Weekly Bi-Weekly Emailing of Historical Statements (older than 2 months) R 45.00 per month R 20.00 per month R 10.00 per month 1 st 30 per month free, thereafter R 1.00 per enquiry R 36.00 per month R 16.00 per month R 8.00 per month R 5.00 per statement Mini Statement (FNB ATM) R 2.00 Provisional Statement (Branch and Telephone Banking) R 4.00 per page Monthly Fees Monthly Account Fee R18.50 The Monthly Account Fee includes:
- Monthly Visa Cheque Card Fee - Petrol Card Fees - Lost Card Protection (Cheque & Petrol Cards) - Cheque Books Value Added Services Payment Notifications Email SMS Fax Balance Alerts Monthly Weekly Daily QuickPay Payments (Online Banking) R60.00 R 0.50 per notification R 0.75 per notification R 3.50 per notification R 0.75 per month R 2.50 per month R 12.50 per month Real Time Clearing Payments (Online Banking and FNB Branch) R30.00 Subscription Fees Online Banking FNB Telephone Banking FNB Cellphone Banking incontact * Debit Orders to FNB Card, FNB HomeLoans, Wesbank, FNB Loans, FNB Funeral Cover. ** Certain banking relationships may result in a higher applicable fee. *** Transaction limits may apply ^ An additional monthly Exchange Control Admin fee of R10.00 will be levied on Non Resident Cheque accounts. 5. Relationship Manager Option Should you choose this option, your account will attract a fee*, which is inclusive of: All ATM Withdrawals (local and international) ebucks/internet/telephone Banking Subscription Debit Card Purchases Transfers via Internet Banking/ATM Payments via Internet Banking/ATM Debit Orders Cheques Cheque Deposits Telephonic requests to transfer funds to FNB Accounts Monthly fee on FNB VISA Cheque Card Petrol Card Annual Fee Purchases using your Petrol Card Lost Card Protection Annual Fee on Cheque and Petrol Card Cheque Book Fee Facilitate Forex requirements (ordering of Forex) Forex Delivery Cell Phone Banking transactions * negotiable fee
The benefit to you is that you will have one point of contact for all your banking requirements and specialist needs (structured lending, wealth creation). Value added Services ebucks incontact Debit Card Switching A4 Statements Interest Rates 1. Overdraft debit interest will be charged at FNB Prime Lending rate. 2. Interest is calculated daily and debited monthly. 3. Credit balances will earn call deposit rates. 6. FNB Private Clients Credit Card Pricing Option Card Fee Option Rate Option Debit Interest Rate (on straight limit) Prime + 3% Prime - 1% Interest free days Up to 55 days Up to 55 days Card Charges Annual Credit card fee (primary card) R320.00 Annual Credit card fee (any additional card thereafter) R135.00 Annual Petro card fee R135.00 Annual Petro card fee (secondary) R135.00 Transactional Charges / Services on both options Account Payments and Transfers R3.20 Credit Card Purchases Credit Card Budget Purchases Cheque Deposits Fuel Transaction Fee R3.20 Debit Orders Stop Orders International Currency Conversion Fee (of the Rand value of transaction) 2.75% Cash Deposit (per R100.00 or part thereof) R1.05
Cash Withdrawal Cash Withdrawal ATM R 7.50 Cash Branch Withdrawals R 25.00 Overseas Withdrawals ATM R 25.00 Overseas Branch Withdrawals R 25.00 Cash on Budget R 16.00 Balance Enquiries FNB ATM and FNB Branch International R 3.20 Saswitch ATM R 3.00 Mini ATM Balance Enquiry Fee R 3.20 Telephone Banking, Online Banking and Cellphone Banking Statements - Mini ATM Print Fee R 2.00 - Branch Statement Print Fee (per page) R 4.00 - Branch Mini Statement Print Fee R 2.50 Other Charges Declined Authorisation Fee R 2.70 Charges on Unpaid Cheque and Automatic Payments R160.00 Balance Transfer Early Settlement Fee (within 6 months) R160.00 Reschedule Fee R 60.00 Bank Cheque Administration Fee R 37.50 Special Clearance on Cheque Deposit R177.00 Cash Handling Fee R 10.50 Transaction Copy Voucher - Local Voucher R 43.00 - International Voucher R150.00 Delivery - Courier R 91.00 - Urgent Deliveries Available on request
Contact Detail FNB Private Clients Head Office Physical address 4 Merchant Place 1 Fredman Drive Sandton 2196 Postal address P.O. Box 782027 Sandton 2146 South Africa Telephone (Local): 086 136 2720 Telephone (Internations): +27 11 245 5000 Facimile: +27 11 301 4392