It’s more than

an account
to you, that’s
why we help

FNB Business
Annual Pricing Guide
1 July 2024 to 30 June 2025

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
Contents FNB Commercial
Annual Pricing Guide

QUICK LINKS

Transact Invest

Lifestyle

We’ve helped over 1 million

SMEs create success stories

SUGGESTED LINKS

FNB Connect

FNB Business Accounts

FNB Credit Products

FNB Merchant Services

FNB Digital Banking Solutions

FNB Fleet Services

FNB Foreign Exchange

FNB Savings and Cash Investments

eBucks Rewards

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
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FNB Business Accounts

Personalised Online Banking

business advice Enterprise™
Through our extensive branch network, This gives you complete flexibility to
SecureChat® allows for personalised manage your unique business needs.
business advice with bankers through the
FNB App, allocation of business bankers
based on business needs and complexity,
and a specialised 24/7 business desk.

Unlock
cashflow for
Smart inContact your business
for business Earn eBucks to spend on business travel,
workspaces and more.
You can safely approve online
banking transactions.

Business
Fast payments accounts
Make quick payments with
SpeedPoint®, Speedee®, SpeedeeQRTM
designed to
and SpeedeeApp. meet the needs
of your business
From sole proprietor to enterprise.

24/7 with FNB

Online Banking
for Business

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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Transact
QUICK LINKS

5 FNB Business Accounts 19 General transaction fees

6 FNB First Business Zero 23 Cash fees

Account
25 FNB Credit Products
8 FNB Gold Business Account
28 FNB Fleet Services Auto Card
10 FNB Platinum Business and Auto Advance Card
Account
29 FNB Merchant Services
12 FNB Healthcare Account
30 FNB Foreign Exchange
14 FNB Islamic Business Banking
34 FNB Online Banking Enterprise™
15 FNB Franchise Business
Account 37 eWallet Pro

16 FNB Trust Account 38 Receipt-IT

17 FNB Business Global Account 39 Benefits of an FNB Solopreneur

Bundle
18 FNB Estate Account

IMPORTANT INFORMATION

Contact us
0877 362 247

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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FNB Business Accounts

Depending on your business turnover and type, we have designed value propositions to meet your needs.

FNB First Business Zero Account FNB Gold Business Account FNB Platinum Business Account

Created to meet the needs of sole Tailored to align perfectly with the Designed to meet the needs of a
proprietors who conduct the majority requirements of businesses, particularly business, with a turnover of between
of their transactions digitally, with those in the early stages of establishment R5 million – R60 million per annum
an annual turnover of R0 to R5 million, or in a phase of expansion, and operating backed by a dedicated Relationship
and want to separate their business and within the annual turnover range of Manager to support your business.
personal accounts. R0 to R5 million.

Monthly account fee

At no charge R89 per month, or a bundled option R145 per month, or a bundled option

Fee structures
• Pay-As-You-Use (PAYU), which allows you • Pay-As-You-Use (PAYU), which allows you
to pay only for transactions you make to pay only for transactions you make
Pay-As-You-Use (PAYU), which allows you
• Single fee pricing bundles, which contain • Single fee pricing bundles, which contain
to pay only for transactions you make
a bundle of transactions to help you a bundle of transactions to help you
budget for your fees budget for your fees

Rewards
FNB Connect data, voice minutes
eBucks for Business* eBucks for Business*
and WhatsApp messaging*

• 25%* off LIFT Premium flights • Up to 24 complimentary

• Up to R4/litre back in eBucks SLOW Lounge visits per annum
on fuel at Engen • 25%* off LIFT Premium flights
• Up to 15% back in eBucks at Checkers • Up to R4/litre back in eBucks on
• 40% back in eBucks on flexible fuel at Engen
workspaces at Workshop17 • 40% back in eBucks on flexible
• Use your eBucks to pay for car hire, workspaces at Workshop17
accommodation, and more through • Protect your employees with GuardMe
eBucks Travel for just R19.90 per month per member
• Protect your employees with GuardMe • Use your eBucks to pay for car hire,
for just R19.90 per month per member accommodation, and more through
• FNB Connect data, voice minutes and eBucks Travel
WhatsApp messaging*

1. Earn up to 15% back in eBucks when purchasing Prepaid Airtime, Data and Prepaid electricity via the FNB App,
OBB and OBE T’s & C’s apply.
2. Earn additional eBucks with Smart Spend when you use your qualifying FNB Business card or FNB Pay during the month.

* Discount excludes taxes and surcharges.

Visit for the complete rules.
* WhatsApp Messages includes all Voice Notes, Messages, sending of video files, pictures/image files, documents files limited to 2GB. Usage applicable to only WhatsApp
and WhatsApp for business applications, all third-party APIs are excluded from this offering
Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
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FNB First Business Zero Account

Pay a zero monthly account fee and get additional transactions at no charge.

The below transactions are also included Your FNB First Business Zero Account comes
with the following services and solutions at no
• Unlimited card swipes additional cost
• The first deposit into your account
• Account confirmation letters from the FNB App
and Online Banking
• Standard card delivery Business education with Fundaba
• InContact and payment notification messages on the FNB App
• Your last 12 stamped statements available on Online
Banking or on the FNB App
• Balance enquiries on the FNB App, Online Banking,
or at an FNB ATM SecureChat® with ease and
• Virtual card which is available immediately on the convenience and speak to one of
cardholders FNB App for secure spending our bankers via the FNB App

Additional products to consider**

Fast payments with SpeedeeQRTM
Business overdraft on the FNB App

Business loans
Manage your cash flow with an
FNB Business Call Account
Business credit cards

Merchant services
Access to FNB Instant Solutions

Savings and cash investments

Access to solar and

alternative energy finance Get an FNB Connect SIM and earn
rewards with a monthly allocation of
WhatsApp messaging*, data and
voice minutes. Maintain and manage
your SIM on the FNB App or online.

* WhatsApp Messages includes all Voice Notes, Messages, sending of video files, pictures/image files, documents files limited to 2GB. Usage applicable to only WhatsApp
and WhatsApp for business applications, all third-party APIs are excluded from this offering
** Based on qualifying criteria.
Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
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FNB First Business Zero Account

Fees**
Monthly account fee R0

Card purchases

FNB Business Visa card purchases (Local) No charge

FNB Business Visa card purchases (International) No charge

Inter-account transfers

Unassisted electronic transfer No charge

Account payments fees are charged per payment, unless otherwise specified

Unassisted electronic third-party payment (EFT) R1.50

Internal debit order (FNB, WesBank and DirectAxis) No charge

External debit order R4

R0.01 to R100: no charge

Immediate payment (PayShap*, Pay2Card*, RTC) Greater than R100: R0.65
per R100, max R15

Payment honouring fee (per item) No charge

Decline fee No charge

Unpaid fee No charge

Payment notifications

Email and SMS No charge

Cash transactions

Cash@TillTM R1.50 per withdrawal

Cash deposit
R9.50 per R1 000
FNB AgencyPlus or FNB ATM
Cash withdrawal
R1.80 per R100

R4.25 per R100

FNB Branch cash deposits and cash withdrawal
service fee (min R57)

* Product limits per transaction apply.

** Fees are charged per purchase, unless otherwise specified.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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FNB Gold Business Account

FNB Gold Business is a full value banking offering for businesses with a
turnover from R0 to R5 million per annum with solutions to help you start,
run and grow your business.

The below transactions are included in your Your FNB Gold Business Account includes
FNB Gold Business monthly account fee, the following services and solutions
meaning that you don’t pay extra for them at no extra cost

• The first deposit into your account

• Card deliveries to an FNB Branch
Business education with
• Virtual card which is available immediately on the
Fundaba on the FNB App
cardholders FNB App for secure spending
• InContact and payment notification messages
• 10 debit orders from FNB, WesBank and DirectAxis
at no additional cost
• Your last 12 stamped statements available on Online eBucks rewards for Business
Banking or the FNB App
• Balance enquiries on the FNB App, FNB Online Banking
or FNB ATM
• Account confirmation letters from the FNB App
and Online Banking
24/7 Business Desk

Additional products to consider

Cash bundle
Digital banking solutions

Business overdraft

Business loans Access to FNB Instant Solutions

Business credit cards

Foreign exchange Manage your cash flow with

an FNB Business Call Account

Merchant services

Savings and cash investments Get an FNB Connect SIM and earn
rewards with a monthly allocation
of WhatsApp messaging*, data
Access to solar and and voice minutes. Maintain and
alternative energy finance manage your SIM on the FNB App
or online. Businesses can take
multiple SIMs for their business,
helping their employees stay
FNB Connect SIM Plans
connected

* WhatsApp Messages includes all Voice Notes, Messages, sending of video files, pictures/image files, documents files limited to 2GB. Usage applicable to only WhatsApp
and WhatsApp for business applications, all third-party APIs are excluded from this offering
Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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FNB Gold Business Account

Single fee pricing Single fee pricing

Transactions Business bundle
option 1 option 2

Monthly account fee R99 R330 R440

FNB Gold Credit Card monthly account fee* 1 included 2 included 2 included

Rewards No charge No charge No charge

InContact No charge No charge No charge

Electronic payment/collections

FNB Card purchases No charge No charge

10 at no charge
Prepaid purchases No charge No charge
across all, thereafter
Pay-As-You-Use (PAYU)
External debit orders
rates apply 50 at no charge 100 at no charge
Electronic third-party payments**

Pay-As-You-Use (PAYU)
Immediate payment (RTC, PayShap, Pay2Card) 1 at no charge 1 at no charge
rates apply

Cash solutions

Cash@TillTM withdrawals No charge No charge

Cash withdrawals at an AgencyPlus or FNB ATM Pay-As-You-Use (PAYU) 3 at no charge 4 at no charge

rates apply
Up to R50 000 per Up to R100 000 per
Cash deposited at an AgencyPlus or FNB ATM
month at no charge month at no charge

Fees for items above the transaction threshold limits

External debit orders R12 R12

Electronic third-party payments** R8 R8

Immediate payments (RTC) R15 R15

Pay-As-You-Use (PAYU)
Immediate payments (PayShap, Pay2Card) rates apply R6 R6

Cash withdrawals at an AgencyPlus or FNB ATM R2.50 per R100 R2.50 per R100

R4.70 + R1.10 R4.70 + R1.10

Cash deposited at an AgencyPlus or FNB ATM
per R100 per R100

* Subject to credit application outcome and not guaranteed.

** FNB Online Banking for Business and the FNB App only. Online Banking Enterprise transactions are charged separately.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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FNB Platinum Business Account

The FNB Platinum Business value proposition has been designed to meet the
specific needs of a business with a turnover of between R5 million and R60 million
per annum to help you run and grow your business.

The below transactions are included in your Your FNB Platinum Business Account includes
FNB Platinum Business monthly account fee, the following services and solutions at no
meaning that you don’t pay extra for them extra cost

• The first deposit into your account

• Account confirmation letters from the FNB App
or Online Banking A dedicated banker to help you with
day-to-day business banking needs
• Card deliveries to a FNB Branch
• Virtual card which is available immediately on the
cardholders FNB App for secure spending
• InContact and payment notifications messages
• Debit orders from FNB, WesBank and DirectAxis eBucks rewards for Business
• Your last 12 stamped statements available
on Online Banking or on the FNB App

Additional products to consider

24/7 Business Desk

Cash bundle

Online Banking Enterprise™

Access to the SLOW Lounge**

Business overdraft

Business loans
FNB Global Travel Insurance

Business credit cards

Foreign exchange
Manage your cash flow with
an FNB Business Call Account
Merchant services

Savings and cash investments

Access to solar and

alternative energy finance

** Please refer to the eBucks website for complimentary SLOW Lounge visit requirements.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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FNB Platinum Business Account

Single fee pricing Single fee pricing

Transactions Platinum bundle
option 1 option 2

Monthly account fee R199 R550 R770

FNB Gold Credit Card monthly account fee* 1 included 2 included 2 included

Rewards No charge No charge No charge

InContact No charge No charge No charge

Electronic payment/collections

FNB Card purchases No charge No charge

20 at no charge
Prepaid purchases No charge No charge
across all, thereafter
Pay-As-You-Use (PAYU)
External debit orders
rates apply 150 at no charge 200 at no charge
Electronic third-party payments**

Pay-As-You-Use (PAYU)
Immediate payment (RTC, PayShap, Pay2Card) 1 at no charge 1 at no charge
rates apply

Cash solutions

Cash@TillTM withdrawals No charge No charge

Cash withdrawals at an AgencyPlus or FNB ATM Pay-As-You-Use (PAYU) 6 at no charge 8 at no charge

rates apply
Up to R150 000 per Up to R250 000 per
Cash deposited at an AgencyPlus or FNB ATM
month at no charge month at no charge

Fees for items above the transaction threshold limits

External debit orders R12 R12

Electronic third-party payments** R8 R8

Pay-As-You-Use (PAYU)
Immediate payments (RTC) R15 R15
rates apply
Immediate payments (PayShap, Pay2Card) R6 R6

Cash withdrawals at an AgencyPlus or FNB ATM R2.50 per R100 R2.50 per R100

R4.70 + R1.00 R4.70 + R1.00

Cash deposited at an AgencyPlus or FNB ATM
per R100 per R100

* Subject to credit application outcome and not guaranteed.

** FNB Online Banking for Business and the FNB App only. Online Banking Enterprise transactions are charged separately.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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FNB Healthcare Account

Our healthcare solutions offer a holistic approach to meet the banking needs of
healthcare practitioners, medical practices, and the broader healthcare industry.
They provide a simple and flexible platform for conducting all business transactions
and managing day-to-day operations.

The below transactions are included in your Your Healthcare Account includes the following
monthly FNB Healthcare Business Account fee, services and solutions at no extra cost
which means you don’t pay extra for them

• The first deposit into your account

Dedicated banker to help you with
• Account confirmation letters from the FNB App day-to-day business banking needs
or Online Banking
• Card deliveries to a FNB Branch
• Virtual card which is available immediately on the
cardholders FNB App for secure spending
• InContact and payment notifications messages eBucks rewards for Business

• Debit orders from FNB, WesBank and DirectAxis

• Your last 12 stamped statements available
on Online Banking or on the FNB App

Additional products to consider 24/7 Business Desk

Cash bundle

Business overdraft Access to the SLOW Lounge**

Business loans

FNB Global Travel Insurance

Business credit cards

Merchant services

Access to FNB Instant Solutions

Savings and cash investments

Access to solar and

alternative energy finance
Switching of medical aid

Preferential rates
on merchant devices

* Limited to R3 000 per transaction.

** Please refer to the eBucks website for complimentary SLOW Lounge visit requirements

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
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FNB Healthcare Account

Single fee Single fee Single fee

Transactions pricing option 1 pricing option 2 pricing option 3

Monthly account fee R373 R484 R810

FNB Gold Credit Card monthly account fee* 2 included 2 included 2 included

Rewards No charge No charge No charge

InContact No charge No charge No charge

Electronic payments/collections

FNB Card purchases No charge No charge No charge

Prepaid purchases No charge No charge No charge

External debit orders

50 at no charge 100 at no charge 200 at no charge
EFT payments/collections

Immediate payments (RTC, PayShap, Pay2Card) 1 at no charge 1 at no charge 1 at no charge

Cash solutions

Cash @Till withdrawals No charge No charge No charge

Cash withdrawals at an AgencyPlus or FNB ATM 3 at no charge 4 at no charge 8 at no charge

Up to R50 000 per Up to R100 000 per Up to R250 000 per

Cash deposited at an AgencyPlus or FNB ATM
month at no charge month at no charge month at no charge

Fees for items above the transaction threshold limits

External debit orders R12 R12 R12

EFT payments/collections R8 R8 R8

Immediate payments (RTC) R15 R15 R15

Immediate payments (PayShap, Pay2Card) R6 R6 R6

Cash withdrawals at an AgencyPlus or FNB ATM R2.50 per R100 R2.50 per R100 R2.50 per R100

R4.70 + R1.10 R4.70 + R1.10 R4.70 + R1.00

Cash deposited at an AgencyPlus or FNB ATM
per R100 per R100 per R100

* Subject to credit application outcome and not guaranteed.

* Credit card transactional fees apply.
** Product limits per transaction apply.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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FNB Islamic Business Banking

FNB Islamic Gold FNB Islamic Platinum

Business Account Business Account

Suited to businesses with a turnover Suited to businesses with a turnover of between

of less than R5 million per annum R5 million and R60 million per annum

With FNB Islamic Banking you can choose between FNB is proud to offer you a Shari’ah compliant FNB Islamic
the FNB Gold Business Account or FNB Platinum Banking Business Account with similar features, pricing,
rewards, and benefits to an FNB Business Account
Business Account and pricing rates. Both value
propositions have been designed to meet your needs
of your business, helping you start, run and grow.

Additional products to consider

Cash bundle*

Business credit cards*

Merchant services*

Savings and cash investments

Access to solar and

alternative energy finance

* Cash bundle, business credits cards and merchant services are non-shariah compliant.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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FNB Franchise Business Account

FNB Franchise FNB Franchise

Gold Business Platinum Business
Account Account

Suitable for businesses with a turnover Suitable for businesses with a turnover of
of less than R5 million per annum between R5 million and R60 million per annum

With the FNB Franchise Business Account you FNB is proud to offer you a franchise business account
can choose between the FNB Gold Business tailored to meet your specific franchise needs. We can assist
with various tools, products and services to add value and
or the FNB Platinum Business Account and their help grow your business.
respective pricing options/rates.

The below transactions are included in your Bespoke offerings based on the
monthly FNB Franchise Business Account fee, overarching agreement with franchisor
which means you don’t pay extra for them

• The first deposit into your account

• Account confirmation letters from the FNB App Business coach with Fundaba on
or Online Banking the FNB App
• Virtual card which is available immediately on the
cardholders FNB App for secure spending
• Account confirmation letters from the FNB App
or Online Banking
eBucks rewards for business
• Card deliveries to a FNB Branch
• InContact and payment notifications messages
• Debit orders from FNB, WesBank and DirectAxis
• Your last 12 stamped statements available
on Online Banking or on the FNB App
24/7 Business Desk

Additional products to consider

Cash bundle
Digital banking solutions

Business overdraft

Business loans
Manage your cash flow with
an FNB Business Call Account
Business credit cards

Foreign exchange Access to FNB Instant Solutions

Merchant services

Savings and cash investments Access to a Specialised Franchise team

that can help you start, run and grow
your Franchise
Access to solar and
alternative energy finance

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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FNB Trust Account

Our FNB Trust Account is tailor-made for professionals such as lawyers, real estate agents, sheriffs etc.
who handle third-party funds. The requirement entails opening a transactional business account linked to
the FNB Trust Account to facilitate seamless transactions and compliance with regulatory standards.

Exclusions
Credit interest on positive balances
• No overdraft facility
• No cards are allowed
• No eBucks are earned on the trust account however
the main business account will earn eBucks if the
Digital banking solutions account is registered for these purposes and qualifies

24/7 Business Desk

Open and manage third party funds using

FNB 3rd Party Investment Manager (3PIM)

Fees
Monthly account fee R68

Cash withdrawals

FNB Branch and FNB Bulk Cash Centres Service fee (min R32) + cash-handling fee

Cash-handling fee (value per withdrawal) At FNB Branch At FNB Bulk Cash Centres

R0 to R4 999.99 R4.40 per R100 R3.53 per R100

R5 000 to R9 999.99 R3.20 per R100 R2.65 per R100

R10 000 to R14 999.99 R2.60 per R100 R2.10 per R100

R15 000 to R49 999.99 R2.20 per R100 R1.90 per R100

R50 000 to R149 999.99 R1.85 per R100 R1.65 per R100

R150 000 and greater R1.85 per R100 R1.45 per R100

FNB AgencyPlus or Cash deposit fee at Cash deposit fee at

Cash deposits
FNB ATM with deposits FNB Branch FNB Bulk Cash Centres

Minimum fee per deposit R34 R34

Value per deposit

R0 to R4 999.99 R6.50 + R3.85 per R100

R5 000 to R9 999.99 R6.50 + R2.35 per R100

R10 000 to R14 999.99 R6.50 + R1.80 per R100

R4.70 + R0.85 per R100 R10.50 + R1.80 per R100
R15 000 to R49 999.99 R6.50 + R1.60 per R100

R50 000 to R149 999.99 R6.50 + R1.40 per R100

R150 000 and greater R6.50 + R1.15 per R100

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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FNB Business Global Account

The business global account (CFC and FCA) is The business global account (CFC) enables you to transact in
ideal for businesses involved in import and export 27 foreign currencies, safely and conveniently, of which 9 can
be opened via Online Banking. This account is especially useful
transactions, such as shipping agents, freight for retaining unused inward foreign currency in the case of
forwarders, marine insurance, stockbrokers, timing mismatches between currency receipts and payments.
and other similar businesses. It also has no minimum balance requirement, so you can make
payments abroad while earnings from abroad can be paid into
this account. You can manage your business global account
(CFC and FCA) via your Online Banking profile.

Benefits of an FNB Business Global Account (CFC)

• No minimum balance required
• Open a new business global account (CFC) online or submit a request with the easy to use
‘Call Me Back’ functionality on Online Banking1
• You can open more than one FNB Global Account
• Receive cross-border inward payments directly into your account2
• View your business global account (CFC) transactions and balances online

Business global accounts (CFC and FCA) can earn credit interest on positive balances on the
USD, AUD, GBP and EUR currencies. The below are the default credit interest tiers

United States Dollar Australian Dollar

Pricing option (USD)
Euro (€) British Sterling (GBP)
(AUD)

Tiers Interest Rate (%) Interest Rate (%) Interest Rate (%) Interest Rate (%)

0.01 to 5 000 Base Rate less 1.43% Base Rate less 1.54% Base Rate less 0.32% Base Rate less 1.09%

5 001 to 15 000 Base Rate less 1.33% Base Rate less 1.52% Base Rate less 0.31% Base Rate less 1.07%

15 001 to 50 000 Base Rate less 1.28% Base Rate less 1.50% Base Rate less 0.30% Base Rate less 1.04%

50 001 to 300 000 Base Rate less 1.23% Base Rate less 1.48% Base Rate less 0.27% Base Rate less 1.02%

300 001 to 1 000 000 Base Rate less 1.18% Base Rate less 1.45% Base Rate less 0.23% Base Rate less 1.00%

1 000 001 + Base Rate less 1.13% Base Rate less 1.43% Base Rate less 0.22% Base Rate less 0.98%

1
Account opening is subject to the South African Reserve Bank Exchange Control Regulations.
We will contact you to establish the purpose of your new business global account (CFC or FCA). In line with the South African Reserve Bank (SARB) requirements.
2
For more information refer to SARB’s website or contact a Foreign Exchange Specialist.
* Rates offered have a 0% floor limit.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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FNB Estate Account

This product allows for the winding up of Allows the Executors, Receivers, Liquidators, Trustees or
Deceased, Divorced, Liquidated, Sequestrated Curators appointed by the High Court to wind up the estate
funds on behalf of clients who can no longer operate their
and Incapacitated estates. accounts themselves.

Exclusions
• No cards are issued with this account
• No eBucks are earned on the Estate account
• No debit orders allowed on this account

A monthly account fee of R57 applies, with general transaction fees applicable for all other transactions.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
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General transaction fees

Pay As You Use

Monthly account fees

FNB Gold Business Account R89

FNB Platinum Business Account R145

FNB Business Trust Account R167

FNB Healthcare Account R180

FNB Late Estate Account R 57

Transfers between your accounts

Transfers and Scheduled Transfers
No charge
(via FNB ATM, Online Banking, FNB App)

Consultant assisted transfer (via FNB Branch, FNB Business Desk) R88

Payments and purchases

Card purchases

Debit card purchase R3.68

Petrol card purchase R6.25

International currency commission and conversion 2% of transaction value

Prepaid purchases

R0.01 to R25: R1.50

Prepaid airtime
Greater than R25: R2.50

R0.01 to R150: R1.50

Prepaid electricity
Greater than R150: R2.50

Voucher (entertainment, gaming, music, transport etc.), R2.70

Traffic fine R2.70

FNB Branch and FNB Business Desk (consultant assisted) R15

Other bank’s ATMs R15

* Industry limits per transaction applies.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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General transaction fees

Payments
Account payments

First 10 000 transactions at

Electronic third-party payments (based on monthly volumes)** R5 per transaction
Thereafter R3.53 per transaction

Internal debit order (debit order raised by FNB, WesBank, and DirectAxis) No charge

External debit order R12

Consultant assisted payment R88

R0.01 to R3 000: R8
RTC Pay and Clear Now***
Greater than R3 000: R15

R0.01 to R100: no charge

PayShap***
Greater than R100: R6

Pay2Card*** R6

International payment denominated in ZAR (debit and credit card) 2% of transaction value, max R100

Scheduled payments

New/changing scheduled payment (FNB Online Banking for Business or the FNB App) No charge

New/changing scheduled payment (FNB Branch consultant assisted) R20

Payment related fees

Debit order

Stop payment (digital channels) No charge

Stop payment (FNB Business Desk consultant assisted) R44

Stop-payment (FNB Branch consultant assisted) R88

Debit order dispute (digital channels not applicable to fraudulent debit order) R5

Debit order dispute (FNB Business Desk/Branch consultant assisted) R48

Items less than R50: R50

Payment honouring fee (per item)*
Items greater than R50: R155

eWallet payments (per transaction)

Send money R2 + R2.40 per R100

Reversal consultant assisted R80

Reversal self service R18.50

Payment notification

SMS and email No charge

* If overdrawn balance is not adjusted, an unpaid fee might be charged.

** You will be charged R5 per transaction for the first 10 000 transactions, thereafter R3.53 per transaction.
*** Product limits per transaction apply.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
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General transaction fees

Payment Request

You can use your FNB Payment Request service to send electronic bills to your clients

Successful payments FNB payment channels Non-FNB payment channels

EFT payment R2.50 + 0.35% N/A

Cash payment R2.50 + Cash deposit pricing R6.50 + R0.60 per R100 or part thereof

Debit card payment R2.50 + Merchant Services pricing R6.50 + 0.95% of the value

Credit card payment R2.50 + Merchant Services pricing R6.50 + 2.5% of the value

Other fees

Notifications sent to payer R0.15

Implementation fee (push biller) No charge

Implementation fee (pull biller) R750

Balance enquiries
FNB ATM No charge

Point-of-sale (debit card only) R2

FNB Branch and FNB Business Desk (consultant assisted) R8.50

Other banks’ ATM R8.50

International point-of-sale R8.50

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
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Transact Invest Lifestyle

General transaction fees

Account confirmation letter

Downloaded from Online Banking or the FNB App No charge

Statements
Your recent 12 stamped statements available online or on the FNB App No charge

Historical statements: After your 12 recent statements available online or on the FNB App R12.60 per statement

Mini statements (FNB ATM with deposit facilities) R4 per page

Provisional statement (FNB Branch, FNB Business Desk) per page R21.50

Additional statements Paper Online

Daily (fee per month) R145 R68

Weekly (fee per month) R62 R31.50

Unsuccessful transactions
FNB ATM declined transaction fee R6

FNB declined transaction fee (local and international point-of-sale, scheduled payment) R6

Other banks’ ATMs declined transaction fee R6

Unpaid debit order R6

Debit card fees

Card replacement (non-personalised) R125

Card replacement (personalised) R135

PIN change at FNB Branch (consultant assisted) No charge

Petrol card monthly fee R24

Delivery fees

FNB Branch delivery No charge

Standard delivery R110

Scheduled delivery R160

Urgent delivery R270

International courier delivery R760

Subscription fees
Online Banking, FNB App, Telephone Banking, inContact Pro No charge

Scheduled payment alert fee (per month) R3.80

Balance alerts (per month)

Daily (per month) R18

Weekly (per month) R3.70

Monthly (per month) R1.35

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
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Cash fees

Reference validation
Over the counter validation R2.40

Electronic reference validation (FNB Clients Only) R2.40

Electronic reference validation (other banks) R3.40

High volume file upload (per line item) R0.22

Cash withdrawals
Cash@TillTM R1.50 per withdrawal

FNB AgencyPlus or FNB ATM/FNB Slimline ATM R2.50 per R100

Other banks’ ATM/Other Banks’ mini- ATMs R12 + R2.50 per R100

International branch cash withdrawals R88 + R3 per R100

International cash withdrawals at ATM R88

FNB Branch and FNB Bulk Cash Centres Service fee (min R67) + cash handling fee

FNB Branch and FNB Bulk Cash Centres

Cash-handling fee
FNB Branch FNB Bulk Cash Centres
(value per withdrawal)

R0 to R49 999.99 R3.90 per R100 R3.20 per R100

R50 000 and greater R2.35 per R100 R2.15 per R100

Cash deposits
First deposit after opening an account No charge

Surplus/shortage in deposit (incident fee) R125

FNB AgencyPlus or FNB ATM with deposits R4.70 + R1.30 per R100

Value per deposit At FNB Branch At FNB Bulk Cash Centres

Minimum fee (per deposit) R57

R0 to R49 999.99 R10.50 + R2.50 per R100 R8.50 + R2.30 per R100

R50 000 and greater R10.50 + R1.85 per R100 R8.50 + R1.70 per R100

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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Transact Invest Lifestyle

Cash fees

Cash bundles
A cash bundle allows you to make cash deposits at FNB Branches or Cash Centres up to a certain value at a reduced price.

Bundle 1 Bundle 2 Bundle 3

Monthly bundle fee R1 100 R3 200 R6 400

Monthly bundle value R100 000 R500 000 R1 000 000

Excluded from bundle

Cash deposits less than R50 000

Min fee R57 R57 R57

Base fee R8.50 R8.50 R8.50

Fee per R100 R2.30 R2.30 R2.30

Out of bundle fees

Min fee R57 R57 R57

Base fee R8.50 R8.50 R8.50

Fee per R100 R1.00 R1.00 R1.00

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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Transact Invest Lifestyle

FNB Credit Products

Our credit products are suited to help you manage

your cashflow and to grow your business.

FNB Business Overdraft FNB Business Revolving Loan

A credit solution linked to your A credit solution over an indefinite
FNB Business Account that is tailor-made period which is repayable with fixed
to help your business gain financial monthly installments.
flexibility. It is ideal for managing cash flow
and can be used for unexpected expenses. Perfect for FNB Business Account holders
looking to manage cash flow needs, finance
inventory or unexpected payments. You
can get access to additional funding once
FNB Business Loan 15% of the loan has been paid, which is
Suitable for FNB Business Account holders essentially credit without needing to reapply.
looking to raise capital to inject into
a business for growth or expansion
purposes, to acquire assets or for additional
business opportunities.

Credit fees Overdraft Business and bounce back loans Business revolving loans

Initiation fee 1.25% of facility limit 1.25% of loan amount 1.25% of loan amount
(Juristics) (min R499) (min R499) (min R499)

Initiation fee 1.25% of loan amount 1.25% of loan amount

No charge
(Natural person)* (min R499) (min R499)

Limit increase 1.25% of facility limit

- -
fee (Juristics) (min R499)

Monthly credit 0.125% of facility limit 0.0575% of loan amount 0.115% of loan amount
fee (Juristics) (min R69) (min R69 and max R575) (min R69 and max R575)

Monthly credit fee

R69 R69 R69
(Natural person)*

Monthly commitment
0.125% of facility limit - -
fee (Juristics)**

Other credit related fees

S129 letter fee R81.20 R81.20 R81.20

* Maximum fees apply to Natural Persons according to National Credit Act (NCA).
** Only applies to facilities taken up before 1 July 2020. Only charged if you do not utilise the facility limit. Not charged if a monthly credit fee is charged.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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Transact Invest Lifestyle

FNB Credit Products

FNB Business Credit Card

Your FNB Business Credit Card Account offers you

a transactional account linked to a credit facility.
It is an ideal transactional mechanism that provides
flexible credit, as well as additional benefits.

To better your experience we have aligned some of your credit card pricing to the current account pricing.
For pricing relating to the below, please refer to the General transaction fees section of the pricing guide

• Payments and purchases fees • Mini statement at an FNB ATM

• Electronic fund transfers • Cash deposits
• Cash withdrawals • SLOW Lounge access*
• Delivery fees • International currency conversion rate
• Declined fees

Your FNB Business Credit Card includes the following services and solutions at no extra cost

Email statements Access to the SLOW Lounge*

Balance enquiry FNB Global Travel Insurance

inContact Pro Inter-account transfers

Lost card protection

* Please refer to the eBucks website for complementary SLOW Lounge visit requirements. Applicable to Platinum and Enterprise Business credit cards.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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Transact Invest Lifestyle

FNB Credit Products

Fees
If you are on a FNB Gold/ Platinum Business bundle or single fee pricing option,
you can get up to two gold credit cards with no monthly account fees.

Gold R52

Platinum R107

Black R260

Lodge R52

Petro card R45

Credit fees

Transact credit limit fee* (Full settlement) 0.25% credit limit fee p.m. (min R69)

Revolver credit limit fee* (Installment repayment) R36 p.m.

Initiation fee for Juristics** 15% of total limit (max R290)

Limit increase initiation fee for Juristics** 15% of increase limit (max R200)

* Credit limit fee – is the cost charged monthly for the routine administration of maintaining your credit facility. Only charged for Juristic clients.
** Initiation fee – only applicable to Juristic clients.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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Transact Invest Lifestyle

FNB Fleet Services Auto Card

and Auto Advance Card

AutoCard Auto Advance card

Your FNB Auto Card Account offers you a transactional Your FNB Auto Advance Card Account offers you a pre-funded
account linked to a credit facility. It’s an ideal transactional transactional account. It’s an ideal transactional mechanism
mechanism for purchasing fuel, oil, toll, repairs, and for purchasing fuel, oil, repairs, and maintenance, as well as
maintenance, as well as additional benefits. Individualised additional benefits.
pricing is done per client’s portfolio.

The following are included at no extra cost

• Fleet online self-service

• Fuel rewards
• Fleet online analytics and reporting (Applicable to Auto Advance Card)

For any queries regarding pricing, please call 0861 233 233 or email

Auto Advance card fees

Monthly fees

Card administration Per vehicle R91.49

General fees

Transaction fee Per transaction R6.74

Card replacement Per incident R92.23

Slip request Per incident R102.93

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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Transact Invest Lifestyle

FNB Merchant Services

Merchant services provides tailored card payment Settlement benefits (for all devices)
acceptance solutions. With FNB Merchant Services
you can offer your customers secure and efficient • No once-off/initiation fee
• No settlement fees
ways to pay for goods and services with a card or
• Next day settlement
Scan to Pay.

SpeedeeQRTM SpeedeeApp
SpeedeeQRTM on the FNB App allows you to generate a QR Turn your compatible Android smartphone into a payment
code to accept payments for goods and services on the move, acceptance device via the FNB App. Accept contactless card
using the same app for all your other banking needs. and phone payments without adding another app.
No sign-up, monthly rental fees or hardware required.
Speedee®
Speedee® is perfect for any business with a turnover below Standalone SpeedPoint®
R10 million per annum and is the most economical way to The standalone solution is a user-friendly and cost-effective
accept card payments with no cellphone required. means for a merchant to accept card payments, within
a single outlet or non-complex sales environment, where
Device features and benefits no integration to a sales system is required. Plus, to pay
or accept payment from your customers, you can now scan
a QR code on your SpeedPoint® device using the FNB App
• No cellphone required
or any compatible QR code scanner app without using their
• 24/7 technical support physical bank card.
• Dual SIM
• Device installation and setup Device features and benefits
• Device maintenance
• eWallet Pay • No cellphone required
• Online Banking for Business (reporting and servicing) • 24/7 technical support
• Contactless enabled • Dual SIM
• Comprehensive device training • Device installation and setup
• Fraud training • Device maintenance support
• Earn eBucks on your merchant services turnover • Earn eBucks on your merchant services turnover
• eWallet Pay
• Online Banking for Business (reporting and servicing)
• Contactless enabled
• Comprehensive device training
• Fraud training

Device Rental fees Fees per transaction

2% debit card
SpeedeeQRTM No charge
3% credit card

R200 excl. VAT 2.75% debit card

Speedee®
(R230 incl. VAT) 2.75% credit card

2% debit card
SpeedeeApp No charge
3% credit card

R370 excl. VAT 2.75% debit card

Standalone SpeedPoint® non-Android
R425.50 incl. VAT 2.75% credit card

R390 excl. VAT 2% debit card

Standalone SpeedPoint® Android
(R448.50 incl. VAT) 3% credit card

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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FNB Foreign Exchange

We can help you to strengthen your business’ position and handle the challenge of doing business
internationally. Our award-winning systems and solutions* enable you to manage your exposure and
facilitate your payments in compliance with local and international regulations, as well as ensure
you’re protected against the inherent risks and challenges associated with international business,
payments, and trade.

FNB Foreign Exchange includes the following FNB Business Global Account
services and solutions at no extra cost Ideal for businesses involved in import
• Global account funding and withdrawing and export transactions, such as shipping
(FNB linked business accounts) agents, freight forwarders, marine insurance,
• Foreign currency account transfers to and from stockbrokers, and other similar businesses.
FNB linked accounts
• Cashing out of cash passport
(when credited to an FNB Account)
• Delivery of foreign currency and Multi-currency
Cash Passport™ to your door step at no charge

8 Years
2017 - 2024 2024
Global Finance Awards Global Finance Awards

Best Forex Best Forex

Bank Bank
South Africa Africa

* Global Finance’s Best Foreign Exchange Provider South Africa 2017 to 2024 and Best Foreign Exchange Provider Africa 2024.
** Cash Passport™ is issued by The Mauritius Commercial Bank Limited pursuant to license by Mastercard Asia/Pacific Pte. Ltd.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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FNB Foreign Exchange

Fees Gold and Platinum

Digital Non-digital Non-digital

Travel (Online / FNB App) (FNB Call Centre/Banker) (FNB Branch)

Cash passport bought from FNB

Initial card fee R150 R150 R150

Commission 0.5% per transaction 0.5% per transaction 0.5% per transaction

Minimum R65 R65 R65

Maximum R5 000 R5 000 R5 000

Foreign notes bought from FNB (non-common monetary area)

Commission 2% per transaction 2.2% per transaction 2.2% per transaction

Minimum R80 R105 R105

Foreign notes sold to FNB (non-common monetary area)

Commission 2.5% per transaction 2.5% per transaction 2.5% per transaction

Minimum 150 150 150

Foreign notes bought from FNB or sold to FNB (common monetary area)

Commission 3.8% per transaction 3.8% per transaction 3.8% per transaction

Minimum R150 R150 R150

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
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FNB Foreign Exchange

Fees Gold and Platinum

Digital Non-digital Non-digital

Payments (Online / FNB APP) (FNB Call Centre/Banker) (FNB Branch)

Global payments (SWIFT)

Commission 0.55% per transaction 0.55% per transaction 0.55% per transaction

Minimum R275 R550 R550

Maximum R550 R875 R875

SWIFT fee Included in Commission

Global payments (CMA* destination) FNB to non-FNB

Commission 0.03% per transaction - -

Minimum R30 R150 R150

Maximum R150 R150 R150

Global payments (CMA* destination) FNB to FNB

R0 to R100 R10 R10 R10

R100.01 to R300 R20 R20 R20

R300.01 and above R30 R150 R150

Fees Gold and Platinum

Digital Non-digital Non-digital

Global receipts (Online / FNB APP) (FNB Call Centre/Banker) (FNB Branch)

Global receipts (INSWIFT)

Commission 0.55% per transaction 0.55% per transaction 0.55% per transaction

Minimum R175 R350 R350

Maximum R450 R760 R760

Global receipts (CMA* origin) FNB to non-FNB

Commission 0.03% per transaction 0% per transaction 0% per transaction

Minimum R30 R150 R150

Maximum R150 R150 R150

Global receipts (CMA* origin) FNB to FNB

Commission No charge No charge No charge

Exchange control application

Minimum fee (per application) R2 000 R2 000 R2 000

* Common monetary area includes South Africa, Lesotho, Eswatini and Namibia. Other non-CMA currency will attract non-CMA fees.
** eBucks earned on Global Payment and Global Receipt transactions are subject to standard eBucks Reward earn rules. For more information, visit the eBucks website.
A charge option lets you choose which party will be paying for the banking transaction charges on your Global Payment. Bank charges can be paid or settled as follows:
SHA (shared) - You, the sender pay all your bank charges and the recipient bears all other bank charges (this is the most common type of charge indicator).
OUR - Your account will be debited for the initial charges as well as the post transaction charges received from the recipient's bank.
\Post charges may take up to six months to be processed by the recipient bank.
BEN (beneficiary) - The recipient bears all banks charges. All charges will be deducted from the capital amount and the recipient will receive the balance.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
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FNB Foreign Exchange

PayPal fees

PayPal is one of the worlds 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.

Fee structure
PayPal Fees incl. VAT Total month top-up and withdraw value

Tier 0 1.52% per transaction $0 to $3 000

Tier 1 1.50% per transaction $1 to $5 000

Tier 2 1.35% per transaction $5 001 to $50 000

Tier 3 1.00% per transaction + $50 001

Tier 4 0.81% per transaction $100 001 +

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
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Transact Invest Lifestyle

FNB Online Banking Enterprise™

Our digital banking solutions offer you a secure and You get the following for no charge
flexible platform to manage your finances and meet
the needs of your growing business, saving you • One-off set-up of your FNB Online Banking
Enterprise™ profile
time, effort, and money
• User training
• Email of your current monthly statement,
plus optional workable data files
• Email and SMS beneficiary payment notifications
• Electronic transfers between linked accounts
• Get up to 15% back in eBucks when purchasing
prepaid electricity and recharging your prepaid
airtime/data

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
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FNB Digital Banking Solutions

Financial transactions (applicable to FNB Online Banking and Online Banking Enterprise™)
Fee type Pricing per transaction (incl. VAT)

First 10 000 transactions at

Third party payment and collections (based on monthly volumes)** R5 per transaction
Thereafter R3.53 per transaction

Unpaid items collections and payments (per transaction) R4.40

Service fee (contra transactions) R4

Immediate payments
Fee type Pricing per transaction (incl. VAT)

PayShap* R6

Pay2Card* (when available) R6

RTGS Pay and Clear Now under R5 million R45

RTGS Pay and Clear Now over R5 million R63

Enquiry non-financials
Monthly transaction volumes Pricing per transaction (incl. VAT)

First 30 transactions No charge

Per transaction after the first 30 R1.66

* Product limits per transaction apply.

** You will be charged R5 per transaction for the first 10 000 transactions, thereafter R3.53 per transaction.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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FNB Digital Banking Solutions

Other non-financial transactions

Notification by SMS (No charge on payment notifications) R1.42

Notification by email (No charge on payment notifications) R0.95

Verify account owner (per item) (includes real-time) R3.54

Tracing depositor details (FNB and Non FNB) R5 per item

Statements

Your recent 12 stamped statements available online or on the FNB App No charge thereafter R12.60 per statement

Scheduled exports of interim and final statements per account per month

15 minutes R300

Hourly R147

Daily R68

Weekly R31.50

Buy

R0.01 to R25: R1.50

Prepaid cellular purchase (per transaction)
Greater than R25: R2.50

R0.01 to R150: R1.50

Prepaid electricity purchase (per transaction)
Greater than R150: R2.50

Other fees

Collections modular fee R656

Delivery mechanism of selected data by SFTP R288

Data storage modular fee (90 days, 120 days, 150 days, 180 days as recommended)
R144
(180 days only applicable to transaction history and statements)

Reversal of processed EFT (successful or unsuccessful) R325.50

Query of a disputed item R325.50

Query fee per transaction older than 3 months R129

Download of detailed user report R10.08

Initiation of settlement limit changes per request R160

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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Transact Invest Lifestyle

eWallet Pro

eWallet Pro Card

Minimise the risks and costs associated with the use How to calculate your eWallet Pro fees
of cash. Pay your clients or employees electronically With eWallet Pro, you can sponsor up to two ATM withdrawals
per payment for your recipients. Pricing is determined on a
and instantly even if they don’t have a bank account.
tiered basis*. As per the table, if you process large numbers of
Funds are accessed via cellphones or an eWallet Pro transactions, you enjoy discounted fees when your volumes
VISA debit card. increase. Billing takes place at the end of each month.

eWallet Pro is only available on

the FNB Online Banking EnterpriseTM

0 Sponsored 1 Sponsored 2 Sponsored

Tier Volume
transactions transactions transactions

1 1 to 30 R12.31 R21.75 R31.48

2 31 to 100 R11.59 R20.44 R28.62

3 101 to 250 R10.89 R19.06 R27.18

4 251 to 1 000 R8.89 R17.73 R25.91

5 1 001+ R7.46 R16.35 R24.46

Reversal of incorrect eWallet Pro transaction

Automated reversals (reversal by customer of eWallet Pro payment) R3

eWallet Pro card fees

Card ordering fee R33 per card

BulkSends

Between R20 and R3 000 R13.85

* Fees are per payment depending on option chosen and volume of payments made.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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Transact Invest Lifestyle

Receipt-IT
Receipt-IT is a product that is designed to provide Benefits
you with a real-time notification of all financial
transactions that have cleared into your account. • Real-time automated cash book update. Once the
notification is sent, you can update your cashbook
• Real-time debtor’s ledger update includes improving the
This enables you to know that a debtor has paid into your service offered to your clients
account, so that you can take action and automatically
• Compatible integration
update your cashbook in real-time. The notifications are sent
directly into your line of business system, eliminating manual • Flexibility by giving you the option of which transactions you
want to be notified on, access to managing your account by
intervention and enables you to fully automate your debtor’s
using transaction history/statements, storage of transfers,
ledger update. once-off, nominated payments and collection batches

Receipt-IT
Monthly access fee No charge

Non-financial transaction fees

Message send or resend per message R1

Message download per message No charge

Host statements
SWIFT MT9401

Statements (per page) R4.09

Statements via FileAct As per quote

Host to host statements sent via SFTP (Secure File Transfer Protocol)

Per account R44.20

Statement recreated R264

1 SWIFT MT940 are host to host statements sent via SFTP (Secure File Transfer Protocol)

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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 Transact Invest Lifestyle
Lend Insure Lifestyle Fees

Benefits of an FNBSoloprenur
a FNB Solopreneur Bundle
Bundle

FNB Solopreneur Bundle

Designed for you and your business

Take your side hustle or business to the next level with the FNB Solopreneur Bundle
Separate your personal and business activity by getting a FNB First Business Zero Account* with
your personal account.

No extra monthly Accept card One eBucks

account fee for Same point payments account
the First Business of contact Available on the FNB Get booster points when
Zero Account Fulfill your business App, SpeedeeQR and
SpeedeeApp
you activate this bundle and
and personal needs earn more eBucks when you
Unlimited debit card swipes (for Android devices), with
in one place. transact via your business
and only pay for transactions no monthly rental or account.
made. upfront costs.

Manage your Business Unlock additional

Easy tax filing
accounts with education VISA SME benefits
with TaxTim
interactive tools Enjoy 50% back in Access Fundaba on the
Exclusive benefits for
start-ups using a Visa
Manage your payroll, eBucks® on your tax FNB App, a business Commercial card for marketing
accounting, cash flow return submission fee. coach in your hand. tools, cloud infrastructure,
and invoicing. productivity and more.

Integrated small business

account software solution
3 months access to automated bookkeeping,
cashflow mastering and assistance with VAT
requirements at no charge on Free Sage Start.

* For all First Business Zero account pricing and pricing for Merchant services, customers need to refer to the Business banking pricing guide.
Visit the “Rates+Pricing” tab on the FNB website for a comprehensive list of the fees related to your first FNB Business Zero account and merchant services products.

Terms, conditions
Conditions and eBucks earnapply.
Earn Rules limitsCertain
apply. Certain
benefitsbenefits are dependent
are dependent on youron your account
account and eBucks
and eBucks rewardsrewards
level level.
39
1
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).

INFOGRAPHIC 2024_Solopreneur D1.5 • May 8, 2024 12:15 am

Transact Invest Lifestyle

Invest
QUICK LINKS

Capital
41 FNB Savings and
Cash Investments
invested and
quoted returns
are guaranteed

Open and
manage
all your
investments
digitally

FNB Savings
and Cash
Investments
at no
monthly charge

IMPORTANT INFORMATION

Contact us
0877 362 247

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
40
Transact Invest Lifestyle

FNB Savings and Cash Investments

Choose from a range of savings and cash The following at no charge
investment solutions that cater for multiple
business investment goals and help you with • Monthly account fee
• Online, telephone and cellphone banking
your cash flow requirements.
• InContact Pro
• FNB ATM balance enquiries
FNB Savings and Cash Investments offer peace
• FNB Business Desk (IVR) balance enquiries
of mind as capital and quoted returns are
100% guaranteed.*****
Business Call account, Islamic Business Call Account, Money on Call, Call account*, Money Market Investor*,
Money Market Transactor* and Business Supersave*.

Fees
Balance enquiries

FNB ATM and FNB Business Desk (IVR) No charge

FNB Branch and FNB Business Desk (consultant assisted) and other banks’ ATMs R8.50

Payments and transfers

Linked account transfers No charge

Consultant-assisted transfers (FNB Branch, telephone banking) R88

Account payments

Electronic payment R45

Consultant-assisted payment (FNB Branch, FNB Business Desk) R88

Immediate payment** R60

Other banks’ ATMs or mini-ATMs R12.50 + R2.50 per R100***

International ATM cash withdrawals R88

International branch cash withdrawals R88 + R3 per R100**

FNB Branch Service fee****

Cash-handling fee at FNB Branch value per withdrawal

Branch fee R67

R0 to R49 999.99 R3.90 per R100 or part thereof

R 50 000 and greater R2.35 per R100 or part there of

* Not available for new sales.

** Immediate payment refers to Pay&Clear Now and FNB Instant Payment.
*** Cash withdrawals and Cash deposits are not available for BCA.
**** Branch fee + cash handling fee.
***** Not applicable to Islamic.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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Transact Invest Lifestyle

FNB Savings and Cash Investments

Fees
Cash deposits

Value per deposit At branch At FNB Bulk Cash Centres

Minimum fee (per deposit)* R57

R0 to R49 999.99 R10.50 + R2.50 per 100 or part thereof R8.50 + R2.30 per 100 or part thereof

R50 000 and greater R10.50 + R1.85 per 100 or part thereof R8.50 + R1.70 per 100 or part thereof

AgencyPlus or FNB ATM with deposits/bulk deposit acceptor R4.70 + R1.30 per R100

Statements

Mini statements (FNB ATM and cellphone banking) R4

Emailed statements, plus your recent 12 months stamped statements available First 12 No charge after which you pay
online or on the FNB App R12.60 per statement

Provisional statement (FNB Branch, FNB Business Desk, per page) R21.60 per page

Other fees

Inward unpaid fee R155

Effects not cleared upliftment fee R110 (min R560 and max R5 600)

Special clearance fee R335

Active Balance Manager

Fund R0

Sweep R0

Islamic
48HR Cash 48 Hour Cash Flexi
7 Day 32 Day Fixed
Fees Accelerator Cash
Notice Flexi Notice
Intelligence
Deposit
Fixed
and Islamic Accelerator Investment Deposit
Term Deposit

Deposits

AgencyPlus or FNB ATM R4.70 +

R4.70 + R1.30
with deposits/ bulk R4.70 + R1.30 per R100 No charge No charge R1.30 No charge
per R100
deposit acceptor per R100

Cash deposit fee

Minimum fee
R57 R57 R57 R57 R57 R57
(per deposit)

Value per deposit At branch

R0 to R49 999.99 R10.50 + R2.50 per 100 or part thereof

R50 000 and greater R10.50 + R1.85 per 100 or part thereof

Statements

Transaction history/detailed balance enquiry

No charge
(FNB Online Banking for Business)

* Cash withdrawals and cash deposits are not available for BCA.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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Transact Invest Lifestyle

FNB Savings and Cash Investments

32 Day Flexi Notice Account Early withdrawal or closure on other
early withdrawal or closure FNB Notice and Fixed products***

We may allow you to perform an early withdrawal We may allow you to perform an early withdrawal
or closure on your 32 Day Flexi Notice Account. or closure on your Notice or Fixed Deposit Account(s).

Such withdrawal or closure will attract an early withdrawal Such withdrawal or closure will attract an early withdrawal fee
fee calculated as follows calculated as follows

Early withdrawal fee Early withdrawal fee

= base fee + 2.25% x amount to be early withdrawn = base fee + amount to be early withdrawn x
(2.25% + 0.61% x remaining term in days/365)

Applicable base fees are as follows

Early withdrawal amount Base fee (face-to-face channels*) Base fee (electronic channels**)

<R1 000 R100 R25

>/=R1 000 R300 R50

* Base fees for face-to-face channels apply to money accessed at an FNB Branch or through a call centre.
** Base fees for electronic channels apply to money accessed through FNB Online Banking, ATM, cellphone banking, FNB Business Desk (IVR) .
or the FNB App 32 Day Interest Plus and 32 Day Notice are no longer available for new sales.
*** Applicable to Islamic Investment product.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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Transact Invest Lifestyle

FNB Savings and Cash Investments

3rd Party Investment Manager (3PIM)
3PIM is an online FNB system that enables you as an FNB client to independently invest and manage your client’s money into a
range of investment accounts. No additional software or logins are required because the system is integrated using the existing
FNB Online Banking Enterprise™ platform.

FNB is dedicated to offering you solutions, that add the most value to your business.
With 3PIM Solution you can also enjoy the following benefits and services.

• Make use of multiple 3PIM structures, which is ideal for businesses that have regional offices
• The ability for legal practitioners to issue cash-backed property guarantees in real time at no cost*
• Built-in segregation of duties capabilities, enabling you to delegate different permissions on your 3PIM Structure
to various authorised users which ensures greater internal security and efficiencies
• Benefit from a negotiated Call Account interest rate, based on the total balances in your portfolio***

3PIM connection fee

A connection fee is the fee charged by the bank to your linked FNB Business Account to the 3PIM Structure, for the opening,
administering and dedicated support for each 3PIM structure

Connection fee (one-off) Per Structure R2 000

Get a rebate of up to 100% of your connection fee when you activate multiple 3rd party client investment accounts

3PIM connection fee rebate calculation

Number of activated 3rd party Rebate %** Rebate example

client investment accounts R2 000 connection fee
1 25% You will receive R500 back

3 50% You will receive R1 000 back

5 100% You will receive R2 000 (maximum rebate)

The 3PIM Structure will be monitored for 3 calendar months and rebate given at the end of the 4th month if the qualifying criteria
has been met

* Online Banking Enterprise™ is a requirement for 3PIM. Online Banking Enterprise™ fees apply.
** Please refer to the website for the Connection Fee rebate rules and criteria.
(About FNB Legal>Product Terms and Conditions>FNB Third Party Investment Manager(3PIM) Connection fee Rules).
*** Islamic options available.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
44
Transact Invest Lifestyle

Lifestyle
QUICK LINKS

Get rewarded
46 eBucks Rewards
with WhatsApp
48 FNB Connect Messaging*, data
49 nav»
and voice minutes
every month

Unlock
cashflow for
your business
when with
eBucks
nav» Money
offers smart tools
to make your
life simpler

IMPORTANT INFORMATION

Contact us
0877 362 247

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
45
 Transact Invest Lifestyle
Lend Insure Lifestyle Fees

eBucks rewards
Rewards

eBucks rewards
Earn eBucks when
gives you added purchasing prepaid
Purchase You could No joining or
business benefits airtime, data or electricity earn up to 3x subscription
with your FNB Business business
for moments when essentials your banking fees and your
card on the FNB App, FNB
you need more with the eBucks fees monthly eBucks never
Online Business Banking
you’ve earned back in eBucks expire
than just a bank or FNB Online Banking
Enterprise™

1 2 3 4 5
Qualify Register for Hold an active Meet the Ensure ALL
***
Transact through the

for eBucks eBucks rewards

on eBucks m
qualifying
business account
minimum
deposit and
transaction
FirstRand
accounts
are in good
FNB App, FNB Online Business
Banking or FNB Online
Banking Enterprise™ at least
requirements* standing** once a month

Track your eBucks

By logging into your eBucks Business account, you
can view your monthly eBucks reward progress

Follow these steps to track your rewards:

FNB App > eBucks > Earn > Track my rewards

Terms, Conditions
conditions and eBucks
Earn Rules
earnapply.
limitsCertain
apply. Certain
benefitsbenefits
are dependent
are dependent
on youron
account
your account
and eBucks
and eBucks
rewardsrewards
level level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
46
1

INFOGRAPHIC 2024_Commercial_Ebucks rewards D3.1 • September 19, 2024 1:42 pm

 Transact Invest Lifestyle
Lend Insure Lifestyle Fees

eBucks rewards
Rewards

Earn eBucks Spend your eBucks

by carrying out to unlock cashflow
your daily activities
Pay for flexible workspace
solutions or buy
business essentials

Shop Travel Transact

Up to 40% discounts
Earn up to R4/litre back when you pay with your
in eBucks for your fuel eBucks at the eBucks Shop
spend at Engen online or in-store

Up to 15% back in eBucks

when you shop at Checkers and Shoprite, Pay with eBucks and save
and when you buy prepaid airtime, data Book flights and car hire on
and electricity the FNB App

Get 40% back in eBucks

on flexible workspaces at Worshop17

Earn eBucks based on your

Forex transaction fees Maximise your
when sending or receiving foreign
currency online eBucks rewards
Earn eBucks by meeting Reach reward level 5
minimum turnover requirements to maximise your eBucks
with Merchant Services and settling rewards
the amount into your qualifying
FNB Business Account
Pay with FNB Business Card
or Virtual Card and earn
Earn 15% in eBucks additional eBucks with
smart spend
when purchasing prepaid airtime, data
or electricity on the FNB App, FNB Online
Business Banking or Online Banking
EnterpriseTM

This is a summary and is not meant to be a comprehensive guide to the eBucks Rewards Programme earn rules.
Please visit eBucks m or the FNB and RMBPB App for the comprehensive earn rules.
Terms, Conditions
conditions and eBucks
Earn Rules
earnapply.
limitsCertain
apply. Certain
benefitsbenefits
are dependent
are dependent
on youron
account
your account
and eBucks
and eBucks
rewardsrewards
level level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
47
2

INFOGRAPHIC 2024_Commercial_Ebucks rewards D3.1 • September 19, 2024 1:42 pm

Transact Invest Lifestyle

FNB Connect
Experience uninterrupted communication with FNB Connect’s affordable solutions. Connect effortlessly
to clients and employees with up to 20 SIM cards.

1 2
Now on SA’s Stay connected
best network with WhatsApp
That’s extensive coverage across Messaging*
South Africa for you.
plus data and voice rewards every
month on your FNB Connect SIM.

3 4

Order, manage or Move up an eBucks

port your number reward level
with ease on the FNB App. with a FNB Connect SIM.

15% back in
eBucks when you
purchase prepaid
airtime, data and
electricity
on the FNB App, Online Business
EnterpriseTM or Online Business Banking.

* WhatsApp Messages includes all Voice Notes, Messages, sending of video files, pictures/image files, documents files limited to 2GB. Usage applicable to only
WhatsApp and WhatsApp for business applications, all third-party APIs are excluded from this offering.
Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
48
Transact Invest Lifestyle

FNB Connect

FNB First Business Zero Connect Rewards

Get rewarded
with WhatsApp Messaging*, 400MB data and 35 voice minutes every month on your FNB Connect
SIM card.

Qualifying Criteria

Make sure that your FirstRand Bank Perform a minimum of one transaction
accounts are active and in good standing on your FNB First Business Zero
Transactional Account every month
(perform a transaction on the FNB App
or online banking or swipe your FNB First
Business Zero Card or make a deposit into
Spend* R1 or more on your your FNB Business Zero Account)
FNB Connect SIM card plans

FNB Gold Business Connect Rewards

(Only available to Sole Proprietors and Single Member Entities)

Get rewarded
with WhatsApp Messaging*, 500MB data and 35 voice minutes every month on up to five FNB
Connect SIM cards.

Qualifying Criteria

Make sure that your FirstRand Bank Perform a minimum of one transaction
accounts are active and in good standing. on your FNB First Business Gold
Transactional Account every month
(perform a transaction on the FNB App
or online banking or swipe your FNB First
Business Gold Card or make a deposit into
Spend* R1 or more on your
your FNB Business Gold Account).
FNB Connect SIM card plans.

You can also move up an eBucks reward level

with an FNB Connect SIM card and earn up to
15% back in eBucks if you purchase Prepaid
airtime, data or electricity on the FNB APP, Online,
.mobi or Online Banking Enterprise.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
49
 Transact Invest Lifestyle
Lend Insure Lifestyle Fees

nav»
Offering smart tools to make your life simpler

Grow your services, real estate and car dealership business to get access to thousands
of potential new customers with our app tools at no additional charge.

1. Join our 2. Sell business

marketplace today vehicles securely
Are you a plumber, accountant, graphic designer, Ideal for car dealership businesses
car maintenance provider, or do you offer
other services? Attract thousands of potential customers on the
FNB App. You will be able to securely chat with
List your business in minutes with WesBank pre-selected buyers, set up time for a
nav» Marketplace to help you get more work - test drive and seal the deal.
it’s that simple.
Simply email marketplace@wesbank.co.za to get
Build your profile by adding a logo and good- started on your listing journey with us.
quality images to make your business stand out.
Sell commercial vehicles privately

You can list your vehicles in minutes using

nav» Marketplace on the FNB App. Load your
vehicle details and high-quality images to
make sure your vehicles stand out.

3. Grow your real estate

business today
Expose your properties to thousands of
pre-selected customers using nav» Marketplace
on the FNB App.

Manage everything on one platform

You will have the ability to manage your stock,

view your join requests, see the history of
previously sold stock and update your details.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
50
1

INFOGRAPHIC 2024_nav Money Commercial D1.0 • May 7, 2024 8:56 pm

Transact Invest Lifestyle

Important information
QUICK LINKS

51 The small print

51 Standard terminology

Contact us
0877 362 247

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
51
Transact Invest Lifestyle
Lend Insure Lifestyle Fees

The small print

• These prices include VAT (except for FNBIT as VAT does not apply)
• Interest rates are personalised to you and appear on your account 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 11 11 (standard rates apply)

Definitions
• Credit facility service fee is charged monthly to manage and maintain the Credit Facility. The fee may be added to the
outstanding balance and you may pay interest on the fee
• Credit card monthly account fee is charged monthly to manage and maintain your credit account

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,
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 (except for FNBIT as VAT does not apply) and are effective from
1 July 2024 to 30 June 2025

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. 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 this guide) Standard terminology

Card purchase Card transaction

Payment Third party payment/stop order

Slimline devices Mini ATMs

eChannels Online banking, telephone banking, Interactive Voice Response (IVR) and FNB ATMs

Mobile channels Cellphone banking and the FNB App

Terms, conditions and earn

eBucks
rules
earn
apply.
limits
Certain
apply.benefits
Certain benefits
are dependent
are dependent
on your account
on your account
and eBucks
andrewards
eBucks rewards
level level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
52
1
 Contact us
For all your service related queries, chat to us 24/7
via FNB App and SecureChat®

For our business banking solutions, contact your

business banker. Visit and click on the
‘For My Business’ tab. For more contact

0877 362 247

Help changes everything

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
53

JAW 5694 Commercial D12.1 • September 19, 2024 1:45 pm