Gold Cheque Account Islamic Gold Cheque Account and Gold Credit Card

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Gold Cheque

Account, Islamic

Gold Cheque Account

and Gold Credit Card

Pricing Guide

1 July 2015 - 30 June 2016

First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).


Gold Cheque

Account

R 100 p/m

A Gold Cheque Account is more than

just a bank account. It’s something

that offers you functionality and

flexibility. Something that helps you

manage your money in a way that

works for you.

We’ve done some research on you

and we know that banking, saving,

borrowing and having the lifestyle

you want are some of the things you

think about. We want you to have

that lifestyle too. We want you to

go for it – to go for Gold.

Bank

••

Unlimited FREE swipes

when you use your Gold

Cheque Account Card

to pay

••

Draw cash at selected

Shoprite, Checkers,

Pick n Pay, Spar and Boxer

store tills FREE of fees

••

FREE subscription to

inContact. This means

we’ll SMS you every time

more than R 100 goes out

of – or into – your account

••

FREE subscription to

Cellphone Banking, Online

Banking, Telephone

Banking and the FNB

Banking App. You pay only

for the data you use

••

FREE emailed

monthly statements

Save

••

A FREE Linked

Savings Account

that earns you

interest. FNB’s Islamic

offering also offers a

competitive return

••

The option to Bank

Your Change when

we round your card

purchase value up

and transfer the

difference between

your purchase

amount and that

amount into your

Linked Savings

Account. So, you

save while you spend

Islamic Gold Account

Borrow

••

A Temporary Loan is a pre-approved, short-term

credit offering, for which there is no need to fill

in any forms

••

Revolving Loan that lets you re-access your funds

once you’ve repaid 15% of your original loan amount

••

Overdraft access that is FREE of initiation fees.

You only pay for it when you use it

FNB is proud to offer you a Shari’ah-compliant

Gold Cheque Account, with the same value-adds,

reward benefits and pricing as a Gold Cheque

Account. With Islamic Banking, you may be

eligible to earn a monthly profit share on your

Linked Savings Account. For more information,

contact the Islamic Banking Contact Centre

on 0861 786 788.

Please note that Overdraft, Temporary Loans and Revolving Loans

are not offered on the Islamic Gold Cheque Account.


FREE emailed

monthly

statements

Draw cash

at selected

Shoprite,

Checkers,

Pick n Pay,

Spar and

Boxer store tills

FREE of fees

FREE subscription

to inContact.

We’ll SMS you

every time more

than R 100 goes

out of - or into -

your account

Live

••

Delivery of your

Gold Cheque Account Card

to your home or office

••

Possible qualification for

a new smartphone, tablet

or laptop at discounted

prices – over a 24-month

period with 0% interest

••

The drafting and registering

of your Trust Deed

••

FREE subscription to

eBucks Rewards*

••

The ability to earn eBucks

for doing everyday things

like swiping your card,

shopping online, shopping

internationally, shopping at

Checkers & Shoprite, filling

up with fuel, using Uber

domestically, purchasing

prepaid airtime electronically

through FNB, purchasing

FNB Connect prepaid airtime,

having an FNB Connect

contract or when you send

or receive foreign currency

through FNB Forex

••

Earn up to 0.75% back in

eBucks when you swipe your

Cheque Card when shopping

and up to 1.5% back when you

shop online or internationally

••

Earn up to 15% back in eBucks

when you fill up with fuel, use

Uber domestically or shop

at Checkers & Shoprite with

your Gold Cheque Card

••

Earn up to 40% back in eBucks

on your qualifying FNB Connect

contract or when purchasing

FNB Connect prepaid airtime

••

The freedom to spend your

eBucks on almost anything:

fuel, electronics, appliances,

travel, books, CDs, DVDs,

flowers, outdoor equipment,

fashion – you name it

••

Get up to 40% discount on

selected items from the eBucks

Shop as well as up to 40% off

local and international flights

and domestic car hire through

eBucks Travel**. This means

that the more eBucks you earn,

the more you save when you

spend your eBucks – while

getting a discount on your

purchase at the same time.

Sounds like a no-brainer to us!

To best optimise your eBucks earnings, having an Gold Cheque Account

in conjunction with a Gold Credit Card is the way to go. This will mean

that you can move up your eBucks Rewards level more quickly and earn

more eBucks.

Unlimited FREE

swipes when you

use your Gold

Card to pay

Terms, Conditions and Rules apply.

*For more on eBucks Rewards, go to www.eBucks.com.

**Discounts exclude all taxes.

Earn eBucks for

doing everyday

things like paying

with your card

Unlimited Pricing

FNB’s pricing option for Gold customers, called Unlimited Pricing,

offers Gold Account customers the benefit of a fixed-fee account.

This way, you always have a sense of what your costs are – and feel

in control of what you’re paying for. Each month, you get:

••

Unlimited FREE qualifying

electronic transactions using

Online Banking, Telephone

Banking and the FNB

Banking App for transactions

like debit orders, card

purchases, payments

and transfers

••

To draw cash at selected

Shoprite, Checkers,

Pick n Pay, Spar and Boxer

store tills FREE of fees

••

Four FREE FNB

ATM withdrawals


Unlimited Pricing Option

Transaction Fees

Monthly Account Fee* R 100.00

FNB ATM Withdrawals**

Online and Cellphone Banking Subscriptions

inContact

Linked Savings Account (Savings Pocket)

Pay with your Card

Cash@Till withdrawals

FNB Slimline Withdrawals

eChannel and Mobile Channel Transfers

eChannel and Mobile Channel Payments

Internal and External Debit Orders

Current Month Emailed Statement

4 FREE per Month

FREE

FREE

FREE

FREE

FREE

FREE

FREE

FREE

FREE

FREE

* An additional monthly Exchange Control Administration Fee of R 13.00 will be levied on Non-Resident Cheque

** Includes Cardless Cash Withdrawals

Other Fees

Petrol Card (Monthly Fee) R 15.50

Card Purchases

Commission and Currency Conversion Fee on International Card Purchases

2.75% of transaction value

Petrol Card Fuel Purchases R 5.00

Cash Withdrawals

FNB ATM R 3.95 + R 1.30 per R 100

Other Banks' ATM

International ATM

(Additional 2.75% Commission and Conversion fee applies)

R 6.50 + FNB ATM Fee

R 50.00

FNB Branch/Cheque R 50.00 + R 1.65 per R 100

International Branch

(Additional 2.75% Commission and Conversion fee applies)

R 50.00 + R 1.65 per R 100

Deposits

Cash Deposit at FNB ATM R 0.70 per R 100 (minimum R 5.50)

Cash Deposit at FNB Branch R 1.65 per R 100 (minimum R 50.00)

Cheque Deposit at FNB Branch and ATM R 30.00

ENC Upliftment Fee and Special Clearance R 100.00

Linked Account Transfers

FNB Branch or Telephone Banking (Consultant Assisted) R 50.00

Payments

FNB Branch or Telephone Banking (Consultant Assisted) R 50.00

Bank Cheque R 90.00


Cancel Debit Orders (Stop Payments)

Online or Mobile Channels R 5.00

Telephone Banking (Consultant Assisted) R 17.50

Branch R 50.00

Scheduled Payment Related (Establishment and Amendment)

Online

FREE

Branch R 12.00

Prepaid Airtime Purchases

Using eChannels and Mobile Channels R 1.10

Other Banks’ ATM or Telephone Banking (Consultant Assisted) R 9.00

Balance Enquiries

Using eChannels and Mobile Channels

FREE

Point-of-Sale R 1.50

Other Banks ATM, International Point-of-Sale, Branch or Telephone Banking

(Consultant Assisted)

R 5.00

Statements

Cellphone Banking Mini Statement

FREE

FNB ATM Transaction List R 3.00

Posted Statement

Historical Statements older than 3 months - Online Banking

Emailing of Statements - Branch and Telephone Banking

Printing of Statements - Smart Kiosk

Printing of Statements - Branch and Telephone Banking

R 13.00 (per statement)

R 6.00 (per statement)

R 13.00 (per statement)

R 3.50 (per page)

R 13.00 per page

(Charges only apply to the first six pages.)

Insufficient Funds

FNB ATM

FREE

Point-of-Sale, Scheduled Payment, EDO and Other banks’ ATM R 8.00

Unpaid Item Fee or Payment Honouring Fee* R 25.00 per R 100 (maximum R 100)

Card Replacement Fees

Visa Cheque Card/ Chip & PIN Card R 120.00

FNB Petrol Card R 120.00

Credit Fees

Monthly Overdraft Fee

(only pay when you use R200 or more of your Overdraft)

R 57.00

Monthly Revolving Loan Fee R 57.00

Cheque Book Fees

Pocket 40 Form R 50.00

Copies of Vouchers (Deposit Slips and Cheques)

Online Banking

FREE

Branch and Telephone Banking (Consultant Assisted) R 50.00

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


Convenience and Value Added Services

LOTTO/Powerball, Pay TV prepaid, iTunes, Electricity, Traffic Fines, Transport R 1.75

Multichoice Payments R 5.00

Pay & Clear Now R 40.00

Cardless Cash Withdrawals R 3.95 + R 1.30 per R 100

Send Money

Send Money to an eWallet R 9.50

Reversal of Send Money to eWallet R 25.00

Send Money to Zimbabwe/ Mozambique

Value: R 20.00 - R 1 000.00 R 45.00

Value: R 1 000.01 - R 2 000.00 R 70.00

Value: R 2 000.01 - R 3 000.00 R 105.00

Additional Statements (fee per month)

Daily R 48.00

Online

Weekly R 22.00

Twice Monthly R 12.00

Daily R 100.00

Paper

Weekly R 40.00

Twice Monthly R 20.00

Electronic Subscriptions Services (fee per month)

My Limit Alert R 3.00

Scheduled Payment Alert R 3.00

Balance Alert (fee per month)

Monthly R 1.00

Weekly R 3.00

Daily R 15.00

Payment Notifications

Email R 0.74

SMS R 1.15

Fax R 5.50

Other Fees

Card Courier Fee R 95.00

Cheque Book Courier R 150.00

Online Banking Account Verification (FNB Accounts and Other

Banks Accounts)

R 4.60

Online Banking Payment History (older than 3 months) R 4.60

Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid

agreement exists)

R 130.00


Gold Credit

Card

R 40 p/m

Inc. Credit

Facility

Service Fee

Credit cards aren’t just about

credit. They’re about living. An FNB

Gold Credit Card is your way into

the world, a world where reality

and rewards meet, where buying

and benefits work together for you.

Protection with

Online Secure,

giving you a OTP

to protect your

card’s exclusivity

FREE subscription

to FNB Cellphone

Banking, Online

Banking, Telephone

Banking, and the

FNB Banking App

FREE emailed

monthly

statements

Bank

••

Unlimited FREE swipes

when you use your Gold

Credit Card to pay

••

FREE subscription to

inContact. This means

we’ll SMS you every time

more than R 100 goes out

of – or into – your account

••

FREE subscription to FNB

Cellphone Banking, Online

Banking, Telephone Banking

and the FNB Banking App.

You pay only for the data

you use

••

FREE balance enquiries

using Cellphone Banking,

Online Banking, Telephone

Banking and the FNB

Banking App

••

FREE emailed

monthly statements

••

FREE lost card protection

Save

••

Personalised and

competitive debit

interest rates based

on your personal

risk profile

and PIN replacement

••

FREE Auto Payment, offering

you the convenience of

having your account paid

on time each month

••

The ability to make

secure payments with your

Chip & PIN Credit Card

••

Protection from unauthorised

online transactions with

Online Secure, giving you

a One Time PIN (OTP) to

protect your card’s exclusivity

••

FREE Automatic Debt

Protection to settle the

outstanding credit card

debt in the event of death or

permanent disability, with the

option to sign up for FNB’s

Top-up Debt Protection Plan,

for which there’s a charge

Borrow

••

Up to 55 days

interest-FREE credit

••

Personalised and

competitive debit

interest rates


FREE AA Emergency

Roadside

Assistance with a

linked Petro Card

FREE Comprehensive

Global Travel

Insurance when

you purchase your

return travel ticket(s)

using your Gold

Credit Card

Free delivery of

your Gold Credit

Card to your

nearest branch

Live

••

FREE AA Emergency

Roadside Assistance

with a linked Petro Card

••

FREE Comprehensive

Global Travel Insurance,

covering you locally and

internationally when you

purchase your return

travel ticket(s) using

your Gold Credit Card

••

FREE delivery of your

Gold Credit Card to

your nearest branch

••

The opportunity to purchase

FNB’s Lifestyle Protector,

providing lifestyle cover in

the event of your death or

permanent disability

••

FREE subscription to

eBucks Rewards* if you

hold an FNB Gold Cheque

Account and a Gold

Credit Card

••

The ability to earn eBucks

for doing everyday things

like swiping your card,

shopping online, shopping

internationally, shopping

at Checkers & Shoprite,

filling up with fuel, using

Uber domestically,

purchasing prepaid airtime

electronically through FNB,

purchasing FNB Connect

prepaid airtime, having an

FNB Connect contract or

when you send or receive

foreign currency through

FNB Forex

••

Earn up to 1.5% back in

eBucks when you swipe

your Gold Credit Card when

shopping and up to 3% back

when you shop online or

internationally

••

Earn up to 15% back in

eBucks when you fill up with

fuel, use Uber domestically

or shop at Checkers &

Shoprite with your Gold

Credit Card

••

Earn up to 40% back in

eBucks on your qualifying

FNB Connect contract

or when purchasing FNB

Connect prepaid airtime

••

The freedom to spend your

eBucks on almost anything:

fuel, electronics, appliances,

travel, books, CDs, DVDs,

flowers, outdoor equipment,

fashion – you name it

••

Get up to 40% discount on

selected items from the

eBucks Shop as well as

up to 40% off local and

international flights and

domestic car hire through

eBucks Travel**. This means

that the more eBucks you

earn, the more you save when

you spend your eBucks – while

getting a discount on your

purchase at the same time.

Sounds like a no-brainer to us!

To best optimise your eBucks earnings, having a Gold Cheque Account

in conjunction with a Gold Credit Card is the way to go. This will mean

that you can move up your eBucks Rewards level more quickly and

earn more eBucks.

Terms, Conditions and Rules apply

*For more on eBucks Rewards, go to www.eBucks.com.

**Discounts exclude all taxes

Gold Credit Card Fees

Fees per month

Credit Card Monthly Account Fee R 29.00

Credit Facility Service Fee R 11.00

Additional Card Fees (per card linked to account) R 13.50

Linked Petro Card (per card linked to account) R 16.00

Initiation Fee (once-off) R 150.00


Standalone Petro Card

Fees per month

Credit Card Monthly Account Fee R 31.50

Credit Facility Service Fee R 11.00

Additional Card Fees (per card linked to account) R 13.50

Initiation Fee (once-off) R 150.00

••

Credit Card Monthly Account

Fee is the cost charged monthly

for the administration and

maintenance of your

Credit Card Account

••

Credit Facility Service Fee is

the cost charged monthly for

the routine administration and

maintenance of maintaining

your Credit Facility

••

Credit Card Monthly

Account Fees and Credit

Facility Service Fees are

not negotiable

Purchases

Credit Card Purchases

Credit Card Budget Purchases

Fees

FREE

FREE

Commission and Currency Fee on International Card Purchases 2.75%

Fuel Transaction Fee (Petro Cards only) R 5.00

Cash Withdrawal Fees

Fees

FNB ATM R 3.95 + R 1.30 per R 100

Other Banks' ATM

R 6.50 + FNB ATM Fee

FNB Mini ATM R 3.95 + R 1.30 per R 100

Branch (includes all Financial Institution Branches and the Purchase of Foreign Exchange) R 50.00 + R 1.65 per R 100

Cash on Budget

R 50.00 + 2.50% of withdrawal value

International* (ATM and Branch) R 30.00 + R 1.65 per R 100

* International Currency Commission and Conversion Fee of 2.75% of the transaction value applies for international purchases.

This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATM’s charge an additional surcharge.

Deposits

Fees

Cheque Deposits R 27.50

FNB ATM with Automated Deposit Terminal (ADT)

R 0.70 per R 100 (R 5.50 minimum)

Cheque Clearance Fee R 265.00

FNB Branch and FNB ATM with envelope deposits

Linked Account Transfers and Account Payments

IVR Smart Transfer to FNB

R 1.65 per R 100 (R 50 minimum)

Fees

FREE

Linked Account Transfers R 3.50

Third Party Payments R 7.00

Telephone Banking (Consultant Assisted) R 50.00

Transfers and Payments at Branch R 50.00

Voucher Retrieval Requests

Local R 85.00

International R 265.00


Other Fees

Declined Transaction Fee R 8.00

Bank Cheque Administration Fee R 80.00

Card Replacement Fee (per card) (standard 3-day delivery) R 120.00

Fast-track Card Replacement Fee (per card) (24-hour delivery on request) R 400.00

Card delivery to nearest FNB Branch

FREE

Card courier personal delivery R 200.00

Section 129 Letter Fee R 59.79

Credit Card Monthly Rewards Fee

R 16.50 per month

Convenience Fees

Send Money to eWallet (R 20.00 - R 3 000.00) R 9.50

Reversal of incorrect "Send Money to eWallet" transaction R 25.00

Cardless cash withdrawal

R 3.00 + FNB ATM Fee

Pay2Cell R 3.80

LOTTO/Powerball Purchase R 2.20

Prepaid Transaction Fee (FNB ATM, Cellphone, Online & Telephone Banking) R 2.20

Uncapped ADSL Fee R 2.20

Important Information

••

The above pricing is inclusive of VAT

••

Interest rates are personalised and appear on the credit card statement

••

Visit our website at www.fnb.co.za for a copy of the Terms and Conditions that govern our agreement

••

Should you require further information on any credit card products or services, please contact

Credit Card Customer Enquiries on 087 575 1111

If your Credit Facility goes into arrears, you will be liable for collection fees in accordance with the National Credit Act

The Small Print

FNB’s Small Print is straightforward. Here we go:

Information on our products and prices

••

FNB, a division of FirstRand Bank Ltd.,

reserves the right to change fees or

be held responsible if an error or

omission is found.

introduce new fees from time to time.

If we do this, though, we’ll give you at

••

You must apply for each facility

or product individually.

least 20 business days’ notice of

these changes. You’ll find changes

on www.fnb.co.za or on FNB ATMs.

••

The grant of any facility or product is

subject to you meeting the qualifying

criteria of that product or facility.

••

We strive to keep the information

provided in the pricing guide as

accurate as possible, and we will not

••

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.

••

The Bank reserves the right to

change the features of any product

or facility at any time.

••

Fees quoted “as per R 100” or

“per R 500” include parts thereof.

••

When Cellphone Banking is referred to,

standard network rates apply.

••

All fees quoted are VAT inclusive

and are effective from 1 July 2015

to 30 June 2016.

••

The fees included here are not all of

FNB’s fees. For all the fees on this

account, please go to www.fnb.co.za.

First National Bank, a division of FirstRand Bank Ltd, is an Authorised Financial Services Provider. Terms, Conditions and Rules apply. Standard network rates apply.

Standard terminology

If you want to compare FNB’s fees with those

of other banks, we have, as far as possible, used

standard terminology throughout this pricing

guide. This is in line with Section 13 of the

Code of Banking Practice (COBP). In the case

where we’ve used FNB-specific terminology,

we’ve added this here showing the wording

that other banks may use. So, FNB’s term – as per

this pricing guide – is “Card Purchase”, while the

standard terminology is “Card Transaction”; FNB’s

term is “Payment”, while the standard terminology

equivalent is “Third Party Payment/Stop Order”.

FNB uses the term “Slimline Devices” whereas

other banks might call them Mini ATMs.

FNB uses the term “eChannels”, which refers

to FNB Online Banking, Cellphone Banking,

Telephone Banking Interactive Voice

Response (IVR) and FNB ATMs. FNB’s “Mobile

Channels” refer to Cellphone Banking and the

FNB Banking App.

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