Get the best value for

you and your family

Pricing Guide 2019/2020

Private Clients

Terms, Conditions and Rules apply.

- a division of FirstRand Bank Limited.
An Authorised Financial Services and Credit Provider (NCRCP20). FSP 624.
Menu
Welcome to
Private Clients
Product eBucks Free At FNB Private Clients, we offer you solutions and advice to meet your and your family’s evolving needs on your journey to even greater financial freedom.
overview Rewards transactions Whether you are a professional, a successful entrepreneur or nearing retirement, every aspect of the FNB Private Clients offer has been purpose-designed
to help you achieve your goals and dreams. All fees quoted are VAT inclusive and are effective 1 July 2019. To enjoy the benefits of our Private
Clients offering, you require a gross income of R750 000 to R1 499 999 per annum. Pricing on any additional FNB
products and services not shown in this guide can be viewed on www.fnb.co.za.

True Relationship Banking begins with us:

Credit Global Channel
Card Account Islands

FNB App and Online Banking 24/7 Service Suite Private Banker Team of Specialists
For all day-to-day banking needs Via Secure Chat , phone
TM
Your dedicated Private Banker can For personalised Financial and
• Balances, statements, payments or email assist you with: Fiduciary Advice, speak to our team
and transfers • International card activation • Innovative transactional products of experts
Bank Foreign Lending • Add/manage recipients • Simply access SecureChat TM
on your • Wealth, savings and investment solutions • Financial Planners

charges Exchange • Block, cancel or order cards FNB App to directly message your • Insurance solutions for future • Fiduciary Specialists
• Report fraud team of bankers from wherever financial security • Portfolio Managers
• Check available complimentary you are • Personalised financial review • Home loan specialist
SLOW lounge visits • Specialised secured and
• Navigate life using our financial GPS (nav) unsecured lending

Savings and The small

cash print
investments
FNB Private Clients Guide
1 July 2019 – 30 June 2020 (Page 1 of 36)
 Get the best value
for you and your family
At FNB we are continually trying to find valuable solutions for you and therefore we included even more value in the Private Clients Banking offering .

You now have access to the following new and existing benefits included in your monthly account fee, no matter which Private Clients Account you have:

Free Family Added Value Money Management

• No increase in the monthly fee • No increase in the discounted • Complimentary Money • FNB Channel Islands Current Account i
on the FNB Fusion Private Clients monthly fee for the Private Clients Maximiser Account • Securities Local Trader Account i
Account - Lowest monthly fee for offering for your spouse or life • Complimentary Global Debit Card • Securities Global Trader Account i
a transactional account with a partner at R250 p.m. with your Global Account
credit facility that offers 30 days • Free FNBy Account for your kid(s) • Free FNB Connect added value:
interest free on card purchases!
500 MB data, 60 voice minutes, 60
• No credit facility fee for FNB Fusion/ SMS’s per month i
Single Facility i

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 2 of 36)
 eBucks Rewards that
bring you real value
eBucks Rewards is all about rewarding you based on your banking behaviour at no additional cost: points
are allocated according to how you bank – the more points you collect, the higher your reward level in that
month, giving you access to more value to stretch that wallet or to spoil yourself with that much needed trip!

With over 40 partners that cover all major categories, we strive to give you the widest choice
of where you can earn and spend your eBucks:

eBucks Travel SLOW Lounge eBucks Shop NEW Double your fuel
with Engen
Discounts of up to Enjoy a valuable “moment in Exclusive deals and
40% off on local and time” to work, enjoy a snack or discounts of up to 40% Feeling the petrol pinch?
international travel and simply relax between checking-in at your fingertips - with Earn up to R4 back in
AVIS car hire for you, and boarding at SLOW, where everything from eBucks per litre at Engen.
your spouse/life partner the stress of traveling can electronics, gadgets, We’ll even give you the
AND your kids. i be forgotten. home appliances, kids’ opportunity to double
stuff, gifts and much more, up your fuel earn every
NEW
Enjoy additional now on the FNB App. i quarter (up to R8 per litre). i
complimentary visits when
you book on eBucks travel. i

Terms, Conditions and Rules apply.

For more information, please visit www.eBucks.com

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 3 of 36)
 eBucks Rewards that
bring you real value
NEW Uber Eats NEW Global Account NEW FNB Life

Earn up to 15% back in eBucks Earn up to 4% back in eBucks on your FNB Global Earn up to 40% back in
with Uber and Uber Eats. Debit card purchases. Travel in comfort and style eBucks on your FNB Life
with the Global Debit Card with access to over 1000 Insurance Simplified,
international airport lounges outside South Africa. Customised and Dynamic Life
Receive 10 complimentary visits, which includes premiums every month.
1 guest per visit.

Even more value!

Complimentary subscription to the Entertainer (national) to enjoy 2 for 1 specials for 2019.

What is a road trip without a meal?

Get a free burger or breakfast at Wimpy 1-Stops on your travels i
Terms, Conditions and Rules apply.
For more information, please visit www.eBucks.com

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 4 of 36)
 Whatever your needs,
we have the solution for you
R385 FNB Fusion Private R399 FNB Private Clients Cheque
p.m. p.m.
Clients Account Account or Single Facility
The FNB Fusion Private Clients Account The FNB Private Clients Cheque Account allows your spouse/life partner
or FNB Fusion Private Clients Account for to pay a discounted monthly fee of R250 p.m. for your complete day-to-day banking
Spouses/life partner (R250 p.m.) offers product suite. You can also take up a Single Facility which seamlessly combines
the best value for money, combining a day- the functionality of the FNB Cheque Account and that of the home loan into a
to-day bank account with a credit facility single account.
that offers you up to 30 days interest free
on card purchases. Plus, you maximise We are also proud to offer you a Shari’ah compliant Islamic Private Clients Cheque
your eBucks Rewards earn with one card! Account, with similar value-adds, reward benefits and pricing as a Private Cheque
Cheque Account. With Islamic Banking, you earn a competitive monthly profit share
Fee unchanged
on your free Islamic Savings Account. i

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 5 of 36)
 The full value of
Private Clients
FNB Private Clients Cheque Account/
FNB Fusion Private Clients Account FNB Private Clients Account for Spouses Pay-As-You-Use (PAYU) pricing option
Single Facility

Monthly account fee R385 R399 R250 R122

Minimum balance required to be maintained in your

R75 000 N/A
account for your monthly account fee to be waived

• FNB Fusion Private Clients Account/Cheque Account/Single Facility Lending Fee

• Private Clients Credit Card
• Up to 3 additional Credit and Petro Cards (linked to your FNB Private Clients Credit Card)
• Money Maximiser
• Global Account and one complimentary Global Debit Card
Products included in your discounted monthly fee N/A
• Free FNB Connect added value: 500 MB data, 60 voice minutes, 60 SMS’s per month
• 2 free Send Money transactions per month via the FNB App
• Free withdrawals up to R10 000 every month. This includes withdrawals made using Cash@Till®,
Cardless cash withdrawals and at FNB ATMs
• Free FNB ATM cash deposits up to R9 000 every month

To help you get better banking value, we are pleased to

• FNB Channel Islands Current Account
inform you that you also have the opportunity for your
• Securities Local Trader Account N/A
monthly fees to be waived/rebated on the following
• Securities Global Trader Account
products:

All international transactions displayed in this Pricing guide will incur a 2.75% currency conversion.

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 6 of 36)
 Free transactions on your
FNB Fusion Private Clients Account,
Cheque Account or Single Facility
Transactions not mentioned, or above these limits, will be charged at Pay-As-You-Use (PAYU) rates

Transaction description
Card purchases Free i
Prepaid Airtime Purchases using the FNB App and Online Banking Free

Payments and transfers (FNB App, Online Banking, Cellphone Banking) Free

Debit orders (internal and external) Free

Cash Withdrawals using Cash@Till®, FNB ATM and Cardless Cash Free up to R10 000 i
FNB ATM cash deposits Free up to R9 000 i
eBucks Rewards membership Free

Subscription to inContact, Online Banking, Cellphone Banking, Telephone Banking and the FNB App Free

View charges

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 7 of 36)
 FNB Private Clients
Credit Card
Your FNB Private Clients Credit Card is an ideal transactional banking tool that offers you flexibility in terms of pricing,
as well as exclusive benefits that are suited to your lifestyle and offers up to 55 days’ interest-free purchases.

Monthly fees

Credit Facility fees

Credit Facility service fee R17 i

Initiation fee (once-off) Up to a Max. of R175

Credit Card Account fees

Private Clients Credit Card monthly account fee R192 i

3 free cards, thereafter R18.50
Additional Credit Card fee
per card, per month
3 free cards, thereafter R29.50
Petro Card fee (linked to your Credit Card)
per card, per month
eBucks Rewards membership Free

View charges

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 8 of 36)
 Free transactions on your
FNB Private Clients Credit Card
Linked account transfers and account payments
IVR smart transfer to FNB Free

Card purchases
Credit Card purchases Free

Credit Card budget purchases Free

Balance enquiries
FNB ATM Free

FNB branch Free

International ATM Free

Other banks’ ATM Free

Statements
FNB ATM mini-statement Free

Historical email statements Free

Other fees
Changes to account limits Free

Card replacement fee Free

Standard delivery Free

Branch delivery Free

eBucks Rewards membership Free

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 9 of 36)
 Global Account
Bespoke solutions to save and transact globally.
FNB Private Clients offers you a Global Account to save and transact in foreign currency;
whether you are saving for offshore travel, require quick access to manage
currency risk, or are receiving and making international payments occasionally,
the Global Account is the ideal choice.

Other fees Fees by currency

GBP USD EUR

Annual Card fee (per additional card if customer holds another card in another currency) i £15 $20 €17

International ATM withdrawal i £3 $5 €4

Card swipes and international online card payments Free

Card replacement (lost, stolen or damaged) £7 $10 €8

Balance enquiry £0.35 $0.50 €0.40

Insufficient funds fee (ATM and POS transactions) £0.50 $0.80 €0.60

Currency conversion (when a specific currency card is used in a different currency zone) 2.75%

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 10 of 36)
 FNB Channel Islands i

FNB Channel Islands is our offshore offering, licensed and

regulated in Guernsey in the Channel Islands.

As a Private Clients account holder, you can link your FNB Private Clients and FNB
Channel Islands Online Banking profile to view your accounts from a single platform
and make payments and transfers through Online Banking.

From transactional accounts to long and short-term savings accounts, as well as our
newly launched Joint accounts, we have a solution to help you reach your financial goals.

Diversify your wealth offshore – open an FNB Channel Islands Account

For more information on FNB Channel Islands Accounts, please contact your Private
Banker, the FNB Channel Islands Service Suite or visit www.fnbci.co.uk

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 11 of 36)
 Bank
charges
The following pages contain our standard fees for transactions
that are not included in your monthly account fee or that you
will be charged if you exceed the limits outlined above.

These fees are applicable to the FNB Fusion Private Clients

Account, Cheque Account, Credit Card, Single Facility,
One Account and Money Maximiser.

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 12 of 36)
 Please note that any transactions not included or in excess of the limits above will be charged as per the tables below
Other fees applicable on your Cheque Account i

Monthly Overdraft service fee (applies to NCA clients with credit agreements concluded between 1 June 2007 and 6 May 2016) R57.50

Monthly Overdraft service fee (applies to NCA clients with credit agreements concluded since 6 May 2016) R69
Monthly rebate on Overdraft service fee (applies to NCA clients with credit agreements concluded between 1 June 2007 and
R57.50
6 May 2016)
Monthly rebate on Overdraft service fee (applies to NCA clients with credit agreements concluded since 6 May 2016) R69

Monthly Revolving Facility service fee (applies to NCA clients with credit agreements 1 June 2007 and 6 May 2016) R57.50 i
Monthly Revolving Facility service fee (applies to NCA clients with credit agreements concluded since 6 May 2016) R69 i
Once-off Revolving Facility initiation fee R155 i

Linked account transfers

FNB ATM and Telephone Banking - IVR R4.20

Telephone Banking (Consultant Assisted) R40

FNB Branch R75

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 13 of 36)
 Single Facility lending fees
Existing facility fees
Monthly service fee (applies to clients with credit agreements concluded prior to 1 June 2007 and with a
R5.75
facility size of R500 000 or less)
Monthly service fee (applies to NCA clients with credit agreements concluded between 1 June 2007 and 5 May 2016) R57.50

Monthly service fee (applies to NCA clients with credit agreements concluded since 6 May 2016) R69
Monthly service fee (applies to non-NCA clients as well as to clients with credit agreements concluded prior to 1 June 2007 with
R240
a facility greater than R500 000)
Monthly service fee (applies to non-NCA clients with credit agreements concluded between 1 June 2007 and
R130
28 February 2017)

New Facility fees

Once-off initiation fee on mortgage agreements (applies to clients that fall within the ambit of the NCA) R6 037.50
A once-off initiation fee will be charged on all mortgage agreements (applies to clients that do not fall within the ambit of
R10 000
the NCA)
Once-off initiation fee on unsecured and secured credit facilities other than mortgage agreements (applies to clients that fall
R1 207.50
within the ambit of the NCA)
An initiation fee will be charged on all refinancing of unsecured and secured credit facilities including mortgage agreements
R6 000
(applies to clients that do not fall within the ambit of the NCA)
A once-off initiation fee will be charged on all mortgage agreements (applies to clients that do not fall within the ambit of the NCA)

A discretionary structuring fee may be charged (applies to clients that do not fall within the ambit of the NCA)

Valuation fees

Property valuation fee R1 725

Early termination fees

A fixed rate breakage fee is charged when a fixed rate is cancelled prior to expiry
An early termination fee is charged when your loan is cancelled without providing 90 days’ notice. The fee is equal to no more than the interest that would have been payable
under the agreement for the period equal to the difference between the 90 days and the period of notice of settlement, given by you

Please note:
The monthly service fee applicable to your Single Facility will be charged irrespective of the balance outstanding and will only cease when the credit facility has been closed.

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 14 of 36)
 Cash withdrawals
FNB ATM R1.90 per R100

Cash@Till® R1.60

Cardless cash withdrawals R1.90 per R100

Credit card cash on budget R65 + R2.85 per R100

Other banks’ ATMs R9.50 + R1.90 per R100

International ATM cash withdrawals using your FNB Fusion Private Clients card or cheque card R75 i
Branch (includes all financial institution branches and the purchase of foreign exchange) R75 + R2.10 per R100 i
International branch R75 + R2.10 per R100 i

Payments
Cellphone Banking, FNB App, Telephone Banking - IVR, FNB ATM and Online Banking R8.50

Telephone Banking (Consultant Assisted) R75

FNB Branch R75

Cheques issued R120 i

Bank cheque R130

Internal debit orders R4.20

External debit orders R19

Debit Order Management

Stop payment – Digital Channels Free

Stop payment – Telephone Banking (Consultant Assisted) R25

Stop payment – Branch R75

Debit order dispute – Digital Channels R5

Debit order dispute – Telephone Banking (Consultant Assisted) R40

Debit order dispute – Branch (Consultant Assisted) R40

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 15 of 36)
 Scheduled payment related (establishment and amendment)
Online Free

Branch R18

Deposits
Cash deposit at FNB ATM R1 per R100

Cash deposit at FNB Branch R75 + R2.10 per R100

Cheque deposit at FNB Branch and ATM R55 + R10 per cheque (Max. R130)

ENC upliftment fee and special clearance R320 i

Prepaid purchases
FNB Connect prepaid airtime purchase using eChannels and Mobile Channels Free

Prepaid airtime purchase using other banks’ ATMs R15

Other prepaid airtime using ATM and Cellphone Banking R2.50

Other prepaid airtime using App and Online Banking Free

Prepaid electricity purchase R2.60

Pay TV prepaid purchase R2.60

Balance enquiries
Using eChannels and Mobile Channels Free

Point-of-Sale R1.70

Other Banks’ ATMs, International Point-of-Sale, Branch or Telephone Banking (Consultant Assisted) R7

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 16 of 36)
 Statements
Cellphone Banking mini-statement Free

FNB ATM transaction list R3.40

Historical statements – Online Banking (download/view/email) Free

Posted Statement R17 (per statement)

Emailing of statements – Branch and Telephone Banking R29 (per statement)

Printing of statements – Branch and Telephone Banking R29 (per statement)

Additional statements (fee per month)

Daily R59

Online Weekly R28

Twice-monthly R15.50

Daily R123

Paper Weekly R51

Twice-monthly R25

Unsuccessful transactions (insufficient funds)

FNB ATM Free

Point-of-Sale, Scheduled Payment and other banks’ ATMs R8.50

Free (first 2 unpaid items)
Insufficient funds fee (returned item cheque or debit order) R20 (per unpaid item 3 and 4) i
R120 (per unpaid item 5 or more)

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 17 of 36)
 Card and cheque book delivery fees
Standard delivery (delivery between 8am-5pm) Free

Scheduled delivery (specified date and timeslot) R110 i

FNB Branch delivery Free

International delivery R600

Cheque book R299 i

Card replacement fees

Cheque Card/Fusion chip & PIN card R110

Temporary card replacement R95

One free card per year, thereafter R110
Credit Card/Petro Card
per card

Cheque book fees i

Pocket 40 forms R85

Copies of vouchers (deposit slips and cheques) i

Online Banking Free

Branch and Telephone Banking (Consultant Assisted) R75

SLOW Lounge Fees i

Domestic Lounges R250

SLOW International R400

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 18 of 36)
 Convenience and value-added services
Buy LOTTO™/Powerball R2.60 i
MultiChoice payments R7

Pay & clear now R45

Cash Swop fee Free

Payment honouring fee R125 i

Common Monetary Area (CMA) - Cross-border Receipt R100 plus applicable cash deposit fee

Account confirmation letter (Online Banking) Free

Electronic subscriptions services (fee per month)

My Limit Alert
R3.15
Scheduled payment alert

Balance alert (fee per month)

Monthly R1.15

Weekly R3.20

Daily R15.50

Payment notifications
Email R0.95

SMS R1.30

Fax R8

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 19 of 36)
 Other fees
One Account monthly fee R468 i
Monthly petrol card fee (linked to your Private Clients Cheque Account) R20

Petrol card fuel purchases R5.50

Monthly device payment fee Device dependant

Online Banking password reset using Telephone Banking (Consultant Assisted) R75

Wrongfully disputed debit order fee (if disputed after 40 days and valid agreement exists) R130

Online Banking payment history (older than 3 months) R6.50

Online Banking account verification fee (FNB and other banks’ accounts) R6.50

Additional Credit Card purchase fees

Fuel transaction fee (Petro Cards only) R5.50

Credit Card cash deposits

FNB ATM with Automated Deposit Terminal (ADT) R1 per R100

FNB Branch and FNB ATM with envelope deposit R75 + R2.10 per R100

Credit Card linked account transfers and account payments

IVR Smart Transfer to FNB Free

Linked account transfers R4.20

Third party payments R8.50

Telephone Banking (Consultant Assisted) R75

Transfers and payments at Branch R75

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 20 of 36)
 Voucher retrieval requests
Local R105

International R295

Other Credit Card fees

Budget purchases Free

Declined transaction fee R8.50

International ATM/branch cash withdrawals R75 + R2.10 per R100 i

Credit Card convenience fees

Pay2Cell R4.50

Prepaid transaction fee R2.50

Uncapped ADSL fee R2.50

Common Monetary Area (CMA) Cross-border Receipt R100 plus applicable Cash Deposit fee

Credit Card cash deposits fees

FNB ATM with Automated Deposit Terminal (ADT) R1 per R100

FNB Branch and FNB ATM with envelope deposit R75 + R2.10 per R100

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 21 of 36)
 eWallet
Fees for sender i
Send money from FNB Account to eWallet R11

Reversal of incorrect ‘Send Money to eWallet’ transaction – Telephone/Branch R50

Reversal of incorrect ‘Send Money to eWallet’ transaction – Cellphone Banking R13.95

Fees for recipient

Monthly account fee Free i

1 free ATM withdrawal for
Withdraw cash from an FNB ATM, FNB Mini ATM or participating retailers
each payment received
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

Transfer from your eWallet to your FNB Account Free

eWallet balance enquiry Free

eWallet mini-statement Free

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 22 of 36)
 Important information
• These prices include VAT
• Interest rates are personalised to you and appear on the FNB Fusion Private Clients Account, Single Facility and Credit
Card statement
• Visit FNB’s website for a copy of the Terms, Conditions and Rules that govern our agreements
• If your Credit Facility goes into arrears, you will be liable for collection fees in accordance with the National Credit Act
• Should you require further information on any Credit Card products or services, please contact Credit Card Customer
Enquiries on 087 575 1111 (standard rates apply)

Definitions
• Credit Facility service fee is charged monthly for the routine administration of maintaining your Credit Facility
• Credit Card monthly account fee is charged monthly for the administration and maintenance of your Credit Card Account

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 23 of 36)
 Foreign
Exchange
When your needs go global, SA’s Best Foreign Exchange Provider i
helps you transact with the world. Whether it’s new and exciting travel
opportunities, taking your business idea globally, sending money to
loved ones overseas or indulging in exotic experiences. Get it from the
bank that does more

Get rewarded i

Earn back in eBucks on your transaction charges when you send or receive foreign
currency payments online or with the FNB App, or when receiving regular foreign
currency payments by authorising FNB to convert these funds on your behalf with
a Standing Instruction.

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 24 of 36)
 Foreign exchange solutions Online Banking/App Call centre /Banker Branch

Global Account

Transfer (to Rand, from Rand, and between Global Accounts) Free

Global payments and receipts

Global payments (sending money)

Refer to Global Payments and Receipts (SWIFT) fees below
Global receipts (receiving money)

Non-resident or Foreign National Foreign Currency Account (FCA)

Transfer from FCA to Rand account Free

Transfer from Rand account to FCA Free

All Exchange Control Applications including placing emigration on record with the SARB

Minimum fee per application - R1 550

Placing immigration on record with the SARB

Minimum fee per application - R185

Placing emigration on record where the client is a beneficiary of an Inter-Vivos Trust

Minimum fee per application - R2 980

Urgent and/or complex applications

Minimum fee per application - R2 980

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 25 of 36)
 Travel solutions Online Banking/App Call centre /Banker Branch

Travel products bought from FNB

Multi-currency Cash PassportTM

Initial card fee R75 R125 R220

Additional card fee - R75

Commission (load or reload) 1.85% (Min. R65) 1.95% (Min. R90) 2.15% (Min. R125)

Foreign notes

Commission 1.95% (Min. R75) 2.10% (Min. R95) 2.20% (Min. R130)

CMA notes (Lesotho, Namibia, eSwatini)

Commission 3.40% (Min. R140)

Delivery

R0 - R4 999.99 R275

R5 000+ Free

Travel products sold to FNB

Multi-currency Cash PassportTM

If credited to an FNB transactional or Global Account Free

If paid out in cash or credited to any other account - 2% (Min. R90) 2.15% (Min. R125)

Foreign notes

Commission - - 2.20% (Min. R130)

CMA notes (Lesotho, Namibia, eSwatini)

Commission - - 3.40% (Min. R140)

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 26 of 36)
 International payment solutions Online Banking/App Call centre /Banker

Low value Global Receipts in Foreign Currency

Global Payments (sending money)

Commission including SWIFT fee 0.55% (Min. R285, Max. R775) 0.65% (Min. R345, Max. R895)

Global Receipts (receiving money)

Commission 0.55% (Min. R160, Max. R675) 0.65% (Min. R235, Max. R795)

ZAR Fee (an additional fee will be charged if a payment is sent abroad or received from abroad in Rands)

Value of transaction

R0 - R1 499.99 Free

R1 500 - R1 999.99 R55

R2 000 - R2 499.99 R110

R2 500 + R160

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 27 of 36)
 International payment solutions All channels (Online Banking/App/Call Centre/Branch/Banker)

Low value Global Receipts in Foreign Currency

R0 - R499.99 R60

R500 - R1 000 R110

Low Value Global Receipts in ZAR

R0 - R499.99 R60

R500 - R1 000 R110

Global Receipts received for pension purposes

R0 - R4999.99 R35

R5 000 - R9 999.99 R70

R10 000 - R14 999.99 R100

R15 000 + R135

Foreign cheques Online Call Centre/Branch/Banker

Bills negotiable (foreign cheques received)

Commission - 1.60% (Min. R300, Max. R1 180 )

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 28 of 36)
 International payment solutions All channels (Online Banking/App/Call Centre/Branch/Banker) i

MoneyGram

Send amount (USD)

$0 - $50 $7

$50.01 - $100 $10

$100.01 - $150 $11

$150.1 - $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

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 29 of 36)
 PayPal
PayPal is one of the world’s leading digital payment platforms where you can receive payments and pay online for goods and services, without sharing your financial information. It’s safe, easy to use, fast and more
convenient than ever before.

What is the FNB Top-Up and Withdraw Service?

You don’t need a credit card to shop online. With FNB’s Top-Up Service you can top up funds to a PayPal account from a qualifying FNB account. FNB’s Withdraw Service allows you to withdraw funds received into a
PayPal account to your FNB or any linked South African bank account.

Save money with FNB’s tiered pricing structure

The standard withdrawal rate on all Top-Up and Withdraw transactions is 1.52%. However, you can withdraw for as little as 0.81%, depending on your previous month’s transactional value.

Tier Fees incl. VAT Total monthly Top-Up & withdraw

Tier 0 1.52% $0 - $3 000

Tier 1 1.37% $3 001 - $10 000

Tier 2 1.27% $10 001 - $50 000

Tier 3 1.01% $50 001 - $100 000

Tier 4 0.81% $100 001

Please note::
The new structure applies specifically to FNB’s Top-Up and Withdrawal service with PayPal.
The PayPal transactional charges and currency conversation fees will stay the same.
To learn more about the FNB and PayPal service, contact our PayPal helpdesk on 087 572 9725 or email paypalenquiries@fnb.co.za

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 30 of 36)
 Home Loan, Structured Loan and
Securities-Based Lending
FNB Private Clients offers you specialist lending expertise and services to help you meet your
unique financial needs and aspirations.

Our range of flexible lending products can be shaped to your advantage, taking into account your particular requirements,
desired funding amount and objectives. We specialise in providing finance for your residential or holiday home,
investment property or rental portfolio through our tailor-made lending solutions, including Home Loans and
Structured Loans.

The Securities-Based Loan will allow you to stay ahead of the game and move with the markets. You can now use the
flexibility of innovative lending solutions to create wealth without interrupting your long-term investment portfolio goals,
and without having to liquidate any of your current assets to do so.

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 31 of 36)
 Existing facility fee
Monthly service fee (applies to clients with credit agreements concluded prior to 1 June 2007 and with a
R5.75
facility size of R500 000 or less)
Monthly service fee (applies to NCA clients with credit agreements concluded between 1 June 2007 and 5 May 2016) R57.50

Monthly service fee (applies to NCA clients with credit agreements concluded since 6 May 2016) R69
Monthly service fee (applies to non-NCA clients as well as to clients with credit agreements concluded prior to 1 June 2007 with
R240
a facility greater than R500 000)
Monthly service fee (applies to non-NCA clients with credit agreements concluded between 1 June 2007 and
R130
28 February 2017)

New facility
Once-off initiation fee on mortgage agreements (applies to clients that fall within the
ambit of the NCA)
A once-off initiation fee will be charged on all mortgage agreements (applies to clients that do not fall within the ambit of
R10 000
the NCA)
Once-off initiation fee on unsecured and secured credit facilities other than mortgage agreements (applies
R1 207.50
to clients that fall within the ambit of the NCA)
An initiation fee will be charged on all refinancing of unsecured and secured credit facilities including
R6 000
mortgage agreements (applies to clients that do not fall within the ambit of the NCA)
A once-off initiation fee will be charged on all mortgage agreements (applies to clients that do not fall within the ambit of the NCA)

A discretionary structuring fee may be charged (applies to clients that do not fall within the ambit of the NCA)

Valuation fees

Property valuation fee R1 725 i

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 32 of 36)
 Early termination fees i

A fixed rate breakage fee is charged when a fixed rate is cancelled prior to expiry
An early termination fee is charged when you cancel your loan without providing 90 days’ notice. This fee is equal to no more than the interest that would have been payable
under the agreement for the period equal to the difference between the 90 days and the period of notice of settlement you gave

Other fees

Unpaid debit order fee (applies to non-NCA Juristic clients) R200

Bank Cheque commission R100

Please note::
The monthly service fee applicable to your loan will be charged irrespective of the balance outstanding and will only cease when the credit facility has been closed.

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 33 of 36)
 Savings and
cash investments
Get instant access to your funds in case of emergencies.

Savings Account
A free Savings Account linked to your Cheque Account.
No transactional fees apply to your Savings Account.

Money Maximiser
Earn a money market fund related rate, plus yo ur
capital and quoted returns are fully guaranteed.

Money Maximiser

Monthly Account Fee R65 i

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 34 of 36)
 Other fees that apply to your
Money Maximiser Account
Electronic withdrawals
Electronic transfers: Online Banking, Cellphone Banking, Telephone Banking and the FNB App Free

Electronic third-party payments: Online Banking, Cellphone Banking, Telephone Banking and the FNB App R45

Transfers or payments: Branch or telephone (Consultant Assisted) R75

Pay & clear now R90

Scheduled transfer related fees

Establishment or amendment fees (Online Banking) Free

Establishment or amendment fees (FNB Branch) R18

To view other Savings and Cash Investment solutions available to you, please visit our website.

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page 35 of 36)
 The small print
Our small print is straightforward.

Information on our products and prices Standard terminology

• FNB, a division of FirstRand Bank Ltd. reserves the right to • Each facility or product has a set of terms and conditions If you want to compare FNB’s fees with those of other banks,
change fees or introduce new fees from time to time. If we for that specific facility or product. We agree on these terms we have, as far as possible, used standard terminology
do this, though, we’ll give you at least 20 business days’ and conditions with the applicant throughout this pricing guide. This is in line with Section 13 of
notice of these changes. You’ll find these changes on the Code of Banking Practice (COBP). In the case where we’ve
• If there is disagreement between the product or facility
FNB’s website used FNB-specific terminology, we’ve added this here showing
specific terms and conditions and what’s outlined in this
the wording that other banks may use. So, FNB’s term – as
• We strive to keep the information provided in the pricing pricing guide, we’ll follow the product or facility-specific
per this pricing guide – is “Card Purchase”, while the standard
guide as accurate as possible, and we will not be held terms and conditions that apply to such a facility or product
terminology is “Card Transaction”; FNB’s term is “Payment”,
responsible if an error or omission is found • FNB reserves the right to change the features of any while the standard terminology equivalent is “Third Party
• You must apply for each facility or product individually product or facility at any time Payment/ Stop Order”. FNB uses the term “Slimline Devices”
• The granting of any facility or product is subject to you • Fees quoted as “per R100” include parts thereof 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
• Where Cellphone Banking is referred to, standard network
Banking, Interactive Voice Response (IVR) and FNB ATMs. FNB’s
rates apply
“Mobile Channels” refer to Cellphone Banking and the FNB App.
• All fees quoted are VAT inclusive and are effective from
1 July 2019 - 30 June 2020

FNB Private Clients Guide

1 July 2019 – 30 June 2020 (Page
Page 16
36 of 16
36)