FNBy

Pricing Guide
1 July 2020 – 30 June 2021

Terms, conditions and rules apply.

A division of FirstRan d Bank Limited.
An Authorised Financia l Serv ices and Credit Provi der (NCRCP2 0).
 Main menu

Option overview Do and get more General fees

Important information Contact us

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
 Welcome to our Youth
offering for under 25’s
Introducing FNBy, for under 25s

It is never too early to start learning about money and how to manage it! FNBy and FNBy
Next is here to help you 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 - Our Youth offering is the full banking solution!

And we’ve designed it so that as long as you are under 25 years old, we’ve got you covered!

Get more with FNBy

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
 Wherever you are in your
journey, we can help.

R0 p.m. R0 p.m. R12 p.m.

For under 18s Between 18 and 25 Between 18 and 25

When it comes to money, Pay no monthly account fees! This account gives you
it’s never too early to take it PLUS, get personalised more benefits while also
seriously. interest rates on your savings helping you manage your
accounts.* money by giving you certain
If you are under 18 – or if your child is under
18 – the FNBy Account has been designed transactions at no extra cost.
Get freedom to manage your finances from
especially for you.
anywhere, anytime. With an FNBy Next Account.
Bank your Change® into a FREE
FNB is proud to offer you a Shari’ah-compliant
Get more value that matters with banking FNB Savings Account with
FNBy Islamic Account, with similar value-adds,
solutions and benefits designed just for you.
reward benefits and pricing as an FNBy Account. competitive interest rates.
With Islamic banking, you earn a monthly profit
*Discount excludes taxes.
share on your FNBy Islamic Account. Whether you plan on going to varsity, want
to travel the world, or take a gap year to
For more information, contact the Islamic
Banking Suite on contemplate what comes next, there are
087 578 6786. financial implications we can help with
when you feel a little overwhelmed. FNBy
Terms, conditions and rules apply. and FNBy Next Account. gives you access to
cheque and savings account designed just
for you.

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
 Do and get more with FNBy
Bank

Under 18’s 18 to 25
• An FNBy Account is linked to a parent’s • Receive alerts by SMS when a transaction is
FNB bank account, allowing parents to made via inContact
keep track of their child’s transactions, • Manage your money conveniently, with the
cancel and reorder cards as well as FNB App anytime, anywhere
maintain card limits. • Free subscription to all digital channels, zero
• Get a personalised FNBy bank card data charges when using the FNB App
delivered safely to you • Unlimited free swipes
• Pay zero fees for ATM and in-branch cash • Free card delivery
deposits of up to R500 per month* • Free eWallet balance enquiry
• Payments are easy with Scan 2 Pay on the • A personalised FNBy Next bank card delivered
FNB App, Tap to Pay with your FNBy card safely to you
and split the bill between friends using • Payments are easy with Scan 2 Pay on the
Geo Payments FNB App, Tap to Pay with your FNBy Next card
• Manage your money conveniently, with and split the bill between friends using Geo
the FNB App anytime, anywhere. Payments
• Free subscription to all digital channels, • nav>> money tools to help you track your
zero data charges when using the spend, set savings goals and stay on top of
FNB App. their budget
• Unlimited free swipes. • Get cash using Cash@Till® at no extra
• Free electronic transfers and payments. charge**
• Option to re-direct fees to your parent’s
or guardian’s account.

*Thereafter standard transactional fees apply

**Cash@Till® available at Checkers, Shoprite, Pick n Pay and selected SPAR and Usave tills

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
 Do and get more with FNBy
Save

Under 18’s 18 to 25
• Get a linked FNB Savings Account with • Once you turn 18, you get access to our
Bank Your Change® at no extra cost, with a full range of cash investment solutions.
preferential interest rate Please visit our website to find a solution
• Access and Deposit money at any time. that is best suited to your needs.
• No monthly account or transactional fees.
• Your original deposit and quoted returns
are 100% guaranteed.

• eBucks Travel: As an FNBy Transact

Account holder, you could get up to 40%*
off local and international flights with
family discounts. Children must be part of
the main eBucks member’s family banking
profile. Infants under 2 automatically
qualify for discounts and have no annual
discounted flight allocations. The sky is the
limit with eBucks Travel.
• To find out more or to book with eBucks
Travel, visit eBucks.com/Travel or contact
087 587 2835 or travel@eBucks.com.
• *Discount excludes taxes. eBucks Travel Ts and Cs apply.

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
 Do and get more with FNBy
Live
Talk. Engage. Stay connected.

Under 18’s 18 to 25
• Get up to 1 GB back in FNB Connect data • Get 300 MB back in FNB Connect data
when purchasing data, voice minutes or when you use the FNB App and FNBy Next
SMS bundles from your FNBy Account* card to make purchases during the month*

*Terms and conditions apply

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
 Product Comparison

General fees
The full value of FNBy

General Under 18 18 to 25

Monthly account fee Free Free R12

FNB App, online banking and cellphone banking subscriptions Free

inContact Free

Cash withdrawals Under 18 18 to 25

Cash@Till® Free

FNB ATM FREE up to R1500

R8 per R1 000* R2 per R100 thereafter R2 per
Cardless cash R100

FNB Branch R80 + R2.50 per R100

Other banks’ ATMs R12 per R1000** R10 + R2 per R100

International ATM R801

International branch R80 + R2.50 per R1001

All international transactions displayed in this Pricing guide will incur a 2.75% currency conversion.
1
Additional 2.75% commission and conversion fee apply.
*Up to R1500 per month thereafter R2 per R100
**Up to R1500 per month thereafter R10 + R2 per R100

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
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Deposits Under 18 18 to 25

Cash deposit at FNB ATMS, with deposit facilities and FNB R500 free, thereafter standard
N/A
Branch transactional fees apply

R3000 free, thereafter

Cash deposit at FNB ATMs with deposit facilities R1.10 per R100 R1.10 per R100
R1.10 per R100

Cash deposit at FNB Branch R80 + R2.50 per R100

Cheque deposit at FNB Branch and ATM R60 + R11 per cheque (Max R150)

Card purchases

Pay with your card Free

Commission and currency conversion fee on international

2.75% of transaction value
card purchases

Linked account transfers

Using mobile and eChannels Free

FNB Branch or telephone banking (consultant assisted) R80

Digi-zone R15

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
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Payments Under 18 18 to 25

Using the FNB App and online banking Free R1 Free

FNB Branch or telephone banking (consultant assisted) R80

Bank cheque R140

Digi-zone R15

Cheque payments R150

Debit orders Under 18 18 to 25

Internal R1,50 Free

N/A
External R3,50 Free

Cancel debit orders (stop payments) Under 18 18 to 25

Online or mobile channels Free

Telephone banking (consultant assisted) N/A R26

Branch R80

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
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Prepaid purchases

FNB Connect airtime using eChannels Free

Other prepaid airtime using FNB App and Online Banking Free

Prepaid airtime transaction fee (FNB ATM, USSD) (spend<=R10.00) R0.50

Prepaid airtime transaction fee (FNB ATM, USSD) (R10.00 <spend<=R25.00) R1

Prepaid airtime transaction fee (FNB ATM, USSD) (spend>R25.00) R2

Other banks’ ATMs R15.00

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
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General fees
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Statements

Cellphone banking mini-statement Free

FNB ATM transaction list R3.60 per statement

Posted statement R26 (per statement)

Historical statements – online banking (downloads/view/email) Free

Emailing of statements – FNB Branch and telephone banking R40 (per statement)

Printing of statements – ATM with deposit facilities R3.75 (per page)

Printing of statements – FNB Branch and telephone banking R40 (per statement)

Digi-zone statement R25 (per statement)

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
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General fees
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Additional statements (fee per month)

Daily R61

Online Weekly R26

Twice-monthly R16.10

Daily R128

Paper Weekly R53

Twice-monthly R26

Other fees Under 18 18 to 25

Online banking account verification (FNB accounts and other

R7.002
banks’ accounts)
N/A
Online banking payment history (older than 3 months) R7.003

2
FNB account and other banks’ accounts.
3
Older than 3 months.

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
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General fees
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Scheduled payment (establishment and amendment)

Online Free

Branch R18

Balance enquiries

Using mobile and eChannels Free

Point-of-Sale R1.75

Other banks’ ATM’s, International point-of-sale, branch or telephone banking

R7.30
(consultant assisted)

Unsuccessful transactions (insufficient funds)

FNB ATM Free

Point-of-Sale, scheduled payment, debit order and other banks’ ATMs R8.50

Card delivery fee

Standard and urgent delivery Free

Branch delivery R30

Replacement fee R120

International delivery R700

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
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Convenience and value-added services

Pay TV prepaid, iTunes, electricity, traffic fines, transport R2.70

MultiChoice payments R7

Pay & Clear now R45

R504 if honoured Items are less or equal to R50.

Payment honouring fee
R1504 if honoured Items are greater than R50.

Common Monetary Area (CMA) cross-border receipt R100 plus applicable Cash Deposit Fee

Account confirmation letter – online Free

Account confirmation letter – Digi-zone R26.50

4
A service fee is charged for each payment honoured where there is not enough money in your transactional account.

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
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Electronic subscription services (fee per month)

My Limit alert R3.15

Scheduled payment alert R3.15

Electronic subscription services (fee per month)

Monthly R1.15

Weekly R3.20

Daily R15.50

Payment notifications

Email R0.95

SMS R1.30

Fax R8

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
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eWallet

Fees for sender5

Send money from FNB Account to eWallet R2 +R2 per R100

Reversal of incorrect ‘send money to eWallet’ transaction – telephone/branch R55

Reversal of incorrect ‘send money to eWallet’ transaction – cellphone banking R15

Fees for recipient

Monthly account fee Free6

1 free withdrawal for each

Withdraw cash from an FNB ATM, FNB Mini ATM or participating retailers
payment received

Purchases at participating retailers Free

Prepaid airtime or data purchase R1.50

Electricity R2.70

DSTV payments R7

5
Limited to a maximum of 4 at any time.
6
If you have used your free withdrawals, the following fees will apply: FNB ATM/Mini ATM: R10.95 for amounts up to R1 000. R13.95 for amounts over R1 000.

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
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General fees
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eWallet
Electronic subscription services (fee per month)

Fees for recipient

Box Office payments R2.70

Inactivity fee per month (after 6 months of inactivity) R11

Transfer from your eWallet to your FNB Account Free

eWallet balance enquiry Free

eWallet mini-statement Free

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
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MoneyGram
eWallet
Electronic subscription services
7
(fee per month)

Send amount (USD) Send fee (USD)

$0 - $50 $7

$50 - $100 $10

$100 - $150 $11

$150 - $200 $13

$200 - $250 $15

$250 - $300 $17

$300 - $400 $19

$400 - $500 $24

$500 - $600 $29

$600 - $700 $34

$700 - $800 $39

7
MoneyGram fees exclude VAT.

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
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General fees
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MoneyGram
eWallet
Electronic subscription services
7
(fee per month)

Send amount (USD) Send Fee (USD)

$800 - $900 $44

$900 - $1 000 $49

$1 000 - $1 200 $55

$1 200 - $1 500 $63

$1 500 - $1 800 $70

$1 800 - $2 500 $90

$2 500 - $5 000 $140

$5 000 - $7 500 $240

$7 500 - $8 000 $290

7
MoneyGram fees exclude VAT.

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
 Important information
The small print

Standard terminology

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
 The small print
Our small print is straightforward.

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 these
changes on FNB’s website.

• 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 granting 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.

• FNB reserves the right to change the features of any product or facility at any time.

• Fees quoted as “per R100” include parts thereof.

• Where cellphone banking is referred to, standard network rates apply.

• All fees quoted are VAT inclusive and are effective from 1 July 2020 - 30 June 2021.

For the full Connect benefit go to FNB.co.za

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
 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.

Glossary of terms

FNB term (As Used In Guide) Standard terminology

Card purchase Card transaction

Payment Third party payment/stop order

Slimline devices Mini ATMs

Online banking, telephone banking, Interactive Voice Response

eChannels
(IVR) and FNB ATMs

Mobile channels Cellphone banking and the FNB App

FNBy Pricing Guide

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1 July 2020 – 30 June 2021
 Contact us
For more information on our easy banking solutions:

Visit www.fnb.co.za or call 0877 FNB 247

Terms, conditions and rules apply.

FNBy Pricing Guide

1 July 2020 – 30 June 2021