Pricing

Guide
FNBy

1 July 2018 – 30 June 2019

FNB Pricing Guide / FNBy Account / 1 July 2018 - 30 June 2019 Page 1
 Overview Youth under 18 Youth over 18 Send Money The Small Print

Introducing
FNBy for youth younger
than 25

It is never too early to start learning about money and how to manage it! FNBy is here to help with
step-by-step guides and great benefits. From a fully functional account that can be used for day-to-day
banking to a savings account with great interest rates - FNBy is the full banking solution!

And we’ve designed it so that no matter how old you are, we’ve got you covered!

With an FNBy
account you can:

Bank
Under 18 Over 18:
• Receive alerts through SMS when a transaction is • Receive alerts through SMS when a transaction is
made via inContact. If you are under the age of 18, made via inContact
inContact messages will be sent to your parent’s
• Access to anytime, anywhere banking - Our Banking
existing contact details as provided when the account
App is equipped with rich functionality that helps you
was opened
to easily and conveniently manage your accounts.
• Access to anytime, anywhere banking - easily and It is also the most cost effective way of banking
conveniently manage your money. It is also the most
• Unlimited free swipes
cost effective way of banking
• Free electronic transfers
• Free subscription to all digital channels, Zero data
charges when using FNB Banking App
• Free balance enquiries using the FNB App
• Unlimited free swipes
• Free electronic transfers
• Option to re-direct fees to parent / guardian account

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Overview Youth under 18 Youth over 18 Send Money The Small Print

1
2
5

Save Live
Under 18 Over 18 Under 18 Over 18:
• Access up to 100% of • Get immediate access to • Talk. Engage. • Talk. Engage.
your money after 5 days’ your money with a Savings Stay connected. Stay connected.
notice with an FNBy Account
Savings Account Get up to 1GB back in data Get up to 1GB back in data
• Save for a special occasion
on Connect Airtime, Voice, on Connect Airtime, Voice,
• The ability to add or event with 32 Day Flexi
Data or SMS purchases Data or SMS purchases
money at any time Notice. Access your money
from your FNBy Account from your FNBy Account
for free, after 32 days’
• No monthly or
notice, or sooner at a cost • Unforgettable travel
transactional fees
adventures with Topdeck &
• The Tax Free Cash Deposit
• Great interest rates on eBucks Travel
guarantees your capital
balances above R100
and quoted returns. You
• Reinvest your interest or have access to your money
redirect it to another bank after 32 days’ notice and
account never pay tax on your
returns
• Your original deposit and
quoted returns are 100%
guaranteed

FNB is proud to offer you a Shari’ah compliant FNBy Islamic

Account, with similar value-adds, reward benefits and
pricing as an FNBy Account. With Islamic Banking, you earn
FNBy Islamic  a monthly profit share on your FNBy Islamic Account.

Account For more information, contact the Islamic Banking Suite on

087 578 6786.

Terms, Conditions and Rules apply.

FNB Pricing Guide / FNBy Account / 1 July 2018 - 30 June 2019 Page 2
 Overview Youth under 18 Youth over 18 Send Money The Small Print

For Youth younger than 18

When it comes to money, it’s never too early

to take it seriously. Monthly fee
So if you are younger than 18 years of age – or if you have a
child younger than 18 years of age – the FNBy Account has
FREE!
been designed especially for you.

Transactional Account Monthly Fees

Monthly Account Fee Free

Subscription to the FNB Banking App Free

inContact Free

Card Purchases
Pay with your Card Free

Commission and Currency Conversion Fee on International Card Purchases 2.75% of transaction value

Cash Withdrawals
Cash@Till® R1.60

FNB ATM* R1.90 per R100

Other Banks’ ATMs R9 + R1.90 per R100

International ATM (Additional 2.75% Commission and Conversion fee applies) R70

International Branch (Additional 2.75% Commission and Conversion

R70 + R2.10 per R100
fee applies)
* Includes Cardless Cash and Slimline Withdrawals.

Deposits
Cash Deposit at FNB ATM (with Deposits) R0.95 per R100

Cash Deposit at FNB Branch R60 + R2.10 per R100

Cheque Deposit at FNB Branch and ATM R50.00+R7.50 per cheque (Max. R120)

Linked Account Transfers

Using FNB Banking App and Online Banking Free

FNB Branch or Telephone Banking (Consultant Assisted) R70

Payments
Using FNB Banking App and Online Banking R3.75

FNB Branch or Telephone Banking (Consultant Assisted) R70

Bank Cheque R120

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Overview Youth under 18 Youth over 18 Send Money The Small Print

Scheduled Payment (Establishment and Amendment)

Online Free

Branch R17

Prepaid Airtime Purchases

FNB Connect Airtime using eChannels Free

R1 for Airtime value less than R10

Using eChannels (Non-FNB Connect Airtime)
R2 for Airtime value more than R10

Other Banks’ ATMs R13.50

Balance Enquiries
Using eChannels Free

Point-of-Sale R1.60

Other Banks’ ATMs, International Point-of-Sale, Branch or Telephone

R6
Banking (Consultant Assisted)

Statements
Current Month Emailed Statement Free

FNB ATM Transaction List R3.20

Posted Statement R17 (per statement)

Emailing of Statements – Branch and Telephone Banking R17 (per statement)

Printing of Statements – ATM with Deposits R3.50 (per page)

Printing of Statements – Branch and Telephone Banking R27 (per statement)

Unsuccessful Transactions (Insufficient Funds)

FNB ATM Free

Point-of-Sale, Scheduled Payment, Debit Order and Other Banks’ ATMs R8.50

Card Replacement Fees

Replacement Fee R100

Knock & Drop (Standard) Delivery Free

Branch or Personal (Scheduled) Delivery R100

International Delivery R600

Convenience and Value Added Services

Pay TV prepaid, iTunes, Electricity, Traffic Fines, Transport R2.50

MultiChoice Payments R6.50

Pay & Clear Now R45

Common Monetary Area (CMA) Cross-Border Receipt R100 plus applicable Cash Deposit Fee

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Overview Youth under 18 Youth over 18 Send Money The Small Print

Send Money
R10.95 for Send value less than R1000
Send Money to an eWallet
R13.95 for Send value more than R1000

Reversal of incorrect ‘Send Money to eWallet’ transaction R50

Send Money to Zimbabwe/Mozambique

Value: R100 – R1 000 R45

Value: R1 000.01 – R2 000 R70

Value: R2 000.01 – R3 000 R105

Additional Statements (fee per month)

Daily R117

Paper Weekly R48

Twice-monthly R24

Electronic Subscription Services (fee per month)

My Limit Alert R3.15

Scheduled Payment Alert R3.15

Balance Alert (fee per month)

Monthly R1.15

Weekly R3.15

Daily R15.50

Payment Notifications
Email R0.90

SMS R1.25

Fax R7

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 Overview Youth under 18 Youth over 18 Send Money The Small Print

For Youth between the ages of 18 and 25

from
Being independent is great. But it will get hard sometimes
too. And while we can’t help you with everything we can help
you with the banking side of things.
R10p.m
So whether you are planning on going to varsity, or travelling the world,
or taking a gap year to contemplate what comes next, there are financial
implications that we can help you to understand if it all feels a bit over-
whelming. The FNBy Account gives you access to transactional banking,
savings accounts, benefits and special offers designed just for you.

Transactional Account Monthly Fees

Monthly Account Fee R10

Online and Cellphone Banking Subscriptions Free

inContact Free

Card Purchases
Pay with your Card Free

Commission and Currency Conversion Fee on International Card Purchases 2.75% of transaction value

Cash Withdrawals
Cash@Till® R1.60
A combination of R3 000 free per
Cardless cash withdrawals month, after which fees listed on the R1.90 per R100
right apply
FNB ATM R1.90 per R100

Other Banks’ ATMs R9 + R1.90 per R100

International ATM (Additional 2.75% Commission and Conversion fee applies) R70

International Branch (Additional 2.75% Commission and Conversion

R70 + R2.10 per R100
fee applies)

Deposits
Cash Deposit at FNB ATM R3000 free, thereafter R0.95 per R100

Cash Deposit at FNB Branch R60 + R2.10 per R100

Cheque Deposit at FNB Branch and ATM R50 + R7.50 per cheque (Max R120)

Linked Account Transfers

Using Mobile* and eChannels Free

FNB Branch or Telephone Banking (Consultant Assisted) R70

* The account-holder will be eligible for Cellphone Banking transactions but not FNB Banking App transactions.

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 Overview Youth under 18 Youth over 18 Send Money The Small Print

Payments
Using Mobile* and eChannels Free

FNB Branch or Telephone Banking (Consultant Assisted) R70

Bank Cheque R120

* The account-holder will be eligible for Cellphone Banking transactions but not FNB Banking App transactions.

Debit Orders
Internal Free

External Free

Cancel Debit Orders (Stop Payments)

Online or Mobile* Channels Free

Telephone Banking (Consultant Assisted) R20

Branch R70
* The account-holder will be eligible for Cellphone Banking transactions but not FNB Banking App transactions.

Scheduled Payment (Establishment and Amendment)

Online Free

Branch R17

Prepaid Airtime Purchases

Connect Airtime using eChannels and Mobile* Channels Free

Other prepaid airtime purchase using App and Online channel Free

Other prepaid Airtime using ATM and mobile channel R2.50

Other Banks’ ATMs R13.50

* The account-holder will be eligible for Cellphone Banking transactions but not FNB Banking App transactions.

Balance Enquiries
Using Mobile* and eChannels Free

Point-of-Sale R1.60

Other Banks’ ATMs, International Point-of-Sale, Branch or

R6
Telephone Banking (Consultant Assisted)
* The account-holder will be eligible for Cellphone Banking transactions but not FNB Banking App transactions.

Statements
Current Month Emailed Statement Free

Cellphone Banking Mini Statement Free

FNB ATM Transaction List R3.20

Posted Statement R17 (per statement)

Historical Statements older than 3 months – Online Banking R7 (per statement)

Emailing of Statements – Branch and Telephone Banking R17 (per statement)

Printing of Statements – ATM with Deposits R3.50 (per page)

Printing of Statements – Branch and Telephone Banking R27 (per statement)

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Overview Youth under 18 Youth over 18 Send Money The Small Print

Unsuccessful Transactions (Insufficient Funds)

FNB ATM Free

Point-of-Sale, Scheduled Payment, Debit Order and Other Banks’ ATMs R8.50

Card Replacement Fees

Replacement Fee R100

Knock & Drop (Standard) Delivery Free

Branch or Personal (Scheduled) Delivery R100

Convenience and Value Added Services

Pay TV prepaid, iTunes, Electricity, Traffic Fines, Transport R2.50

MultiChoice Payments R6.50

Pay & Clear Now R45

Common Monetary Area (CMA) Cross-Border Receipt R100 plus applicable Cash Deposit Fee

Send Money
R10.95 for Send value less than R1000
Send Money to an eWallet
R13.95 for Send value more than R1000

Reversal of incorrect ‘Send Money to eWallet’ transaction R50

Send Money to Zimbabwe/Mozambique

Value: R100 – R1 000 R45

Value: R1 000.01 – R2 000 R70

Value: R2 000.01 – R3 000 R105

Additional Statements (fee per month)

Daily R56

Online Weekly R26.50

Twice-monthly R14.50

Daily R117

Paper Weekly R48

Twice-monthly R24

Electronic Subscription Services (fee per month)

My Limit Alert R3.15

Scheduled Payment Alert R3.15

Balance Alert (fee per month)

Monthly R1.15

Weekly R3.20

Daily R15.50

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Overview Youth under 18 Youth over 18 Send Money The Small Print

Payment Notifications
Email R0.90

SMS R1.25

Fax R7

Other Fees
Online Banking Account Verification (FNB Accounts and Other Banks’
R6.50
Accounts)

Online Banking Payment History (older than 3 months) R6.50

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 Overview Youth under 18 Youth over 18 Send Money The Small Print

We live in a global village. Right now, you have someone

200
you love living in another city – or even another country.

1 We want to help you take care of them

Send
2
5 – and to help them take care of you.

And sometimes caring means giving money, right?

money
FNB’s Send Money options allow you easy access to sending money in one
of four ways – via Cellphone Banking, Online Banking, FNB ATMs and the
FNB Banking App. With FNB’s offerings: eWallet, Zimbabwe and Mozambique
Money Transfer and MoneyGram, you can transact easily and securely.
With FNB, sending money has never been this easy.

eWallet
Do you need to Send money instantly? eWallet is a convenient way to Send Money to anyone with a valid South African cellphone
number* – even if that person doesn’t have a bank account. Your money is received instantly at no cost to the recipient. You can also
send money if you have an FNB Credit Card. Use Online Banking or an FNB ATM.

eWallet recipient can:

• withdraw some or all of the cash from any FNB ATM
• withdraw cash and/or pay for their goods at participating SPAR stores & other retailers
• buy prepaid airtime, data or electricity by dialing *120*277#
* Nokia Lumia phones and all other Windows 7.5 and Windows 8-operated phones cannot be used to Send Money or to receive money.

Fees for Sender

R10.95 for Send value less than R1 000
Send Money from FNB Account to eWallet
R13.95 for Send value more than R1 000

Reversal of incorrect ‘Send Money to eWallet’ transaction R50

Fees for Recipient (eWallet user)

Monthly Account Fee Free

1 free ATM withdrawal for each payment received*

If you have used your free withdrawals, the

Withdraw cash from an FNB ATM, FNB Slimline or participating retailers following fees will apply:
FNB ATM/Slimline: R10.95 for amounts up to R1 000
R13.95 for amounts over R1 000

Purchases at participating retailers Free

R1 for purchases less than R10

Prepaid airtime or data purchase
R2 for purchases more than R10

Electricity R2.50

DSTV payments R6.50

Box Office payments R2.50

Inactivity fee per month (after 6 months of inactivity) R10.00

Transfer from your eWallet to your FNB Account Free

eWallet balance enquiry Free

eWallet mini-statement Free

Cell Pay Point purchase from eWallet Free

Note: For a list of stores, visit our website > For me > eWallet > Ways to use.
* Limited to a maximum of 4 at any time.

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Overview Youth under 18 Youth over 18 Send Money The Small Print

Zimbabwe Money Transfer

FNB’s Zimbabwe Money Transfer is an instant, easy and affordable money transfer service that allows FNB customers residing in
South Africa to send money to an individual in Zimbabwe who has a valid Zimbabwean identity document. The funds can be collected
instantly at a participating OK Zimbabwe Ltd Money Counter.

You can Send Money to Zimbabwe from your active FNB transactional* account at any time – as long as you are registered for
Cellphone Banking, Online Banking or the FNB Banking App and inContact.

* Please note: Currently, FNB customers cannot Send Money to Zimbabwe from FNB Credit Card Accounts.

Zimbabwe Money Transfer Fees

Amount Cost to Sender Cost to Recipient

R100 – R1 000 R45 Zero

R1 001 – R2 000 R70 Zero

R2 001 – R3 000 R105 Zero

Mozambique Money Transfer

FNB’s Mozambique Money Transfer is an instant, easy and affordable money transfer service that allows FNB customers residing in
South Africa to send money to an individual in Mozambique who has a valid Mozambique identity document. The funds can be
collected at any FNB Mozambique branch.

You can Send Money to Mozambique from your active FNB transactional* account at any time – as long as you are registered
for Cellphone Banking, Online Banking or the FNB Banking App and inContact.

* Please note: Currently, FNB customers cannot Send Money to Mozambique from FNB Credit Card Accounts

Mozambique Money Transfer Fees

Amount Cost to Sender Cost to Recipient

R100 – R1 000 R45 Zero

R1 001 – R2 000 R70 Zero

R2 001 – R3 000 R105 Zero

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MoneyGram

MoneyGram is a money transfer service that FNB offers customers for cross-border, person-to-person payments to more than 200
countries and territories excluding Lesotho, Namibia and Swaziland.

This is an easy and affordable, quick and convenient way to send or receive foreign currency and its speed and simplicity ensure a
same-day transaction. All you need to send a MoneyGram is an FNB account – along with some money in it, of course!

You can send a MoneyGram from an FNB branch, ATM or via Cellphone Banking. All beneficiaries must be loaded in a branch, after
which you’ll be able to transact via FNB ATMs or Cellphone Banking. You will receive a reference number confirming you have sent the
money. You will need to give this reference number to the beneficiary.

The beneficiary can then go to their nearest MoneyGram agent in their country with the reference number and present their
identity document to collect the money within minutes of you sending it.

MoneyGram (Send Amount: USD)

From$0.01 To $50 Send Fee (USD) $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 $8 000 $290

Pricing is set by MoneyGram and is subject to change at MoneyGram’s discretion.

All MoneyGram prices exclude VAT

FNB Pricing Guide / FNBy Account / 1 July 2018 - 30 June 2019 Page 12
 Overview Youth under 18 Youth over 18 Send Money The Small Print

The Small Print

Our Small Print is straightforward. Here we go:

Information on our products and prices Standard terminology

• FNB, a division of FirstRand Bank Ltd. reserves the right • If there is disagreement between the product or facility If you want to compare FNB’s fees with those of other banks, we
to change fees or introduce new fees from time to time. specific terms and conditions and what’s outlined in this have, as far as possible, used standard terminology throughout
If we do this, though, we’ll give you at least 20 business pricing guide, we’ll follow the product or facility-specific this pricing guide. This is in line with Section 13 of the Code of
days’ notice of these changes. You’ll find these changes terms and conditions that apply to such a facility Banking Practice (COBP).
on FNB’s website. or product.
In the case where we’ve used FNB-specific terminology, we’ve
• We strive to keep the information provided in the pricing • FNB reserves the right to change the features of any added this here showing the wording that other banks may use.
guide as accurate as possible, and we will not be held product or facility at any time. So, FNB’s term – as per this pricing guide – is “Card Purchase”,
responsible if an error or omission is found. while the standard terminology is “Card Transaction”; FNB’s term
• Fees quoted as “per R100” include parts thereof.
is “Payment”, while the standard terminology equivalent is “Third
• You must apply for each facility or product individually.
• Where Cellphone Banking is referred to, standard Party Payment/ Stop Order”. FNB uses the term “Slimline Devices”
• The granting of any facility or product is subject to you network rates apply. whereas other banks might call them Mini ATMs. FNB uses the
meeting the qualifying criteria of that product or facility. term “eChannels”, which refers to Online Banking, Telephone
• All fees quoted are VAT inclusive and are effective from Banking, Interactive Voice Response (IVR) and FNB ATMs. FNB’s
• Each facility or product has a set of terms and conditions 1 July 2018 - 30 June 2019. “Mobile Channels” refer to Cellphone Banking and the FNB
for that specific facility or product. We agree on these Banking App.
terms and conditions with the applicant.

Terms, Conditions and Rules apply. Standard network rates apply.

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