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Gold Cheque Account Islamic Gold Cheque Account and Gold Credit Card

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Other Fees<br />

Declined Transaction Fee R 8.00<br />

Bank <strong>Cheque</strong> Administration Fee R 80.00<br />

<strong>Card</strong> Replacement Fee (per card) (st<strong>and</strong>ard 3-day delivery) R 120.00<br />

Fast-track <strong>Card</strong> Replacement Fee (per card) (24-hour delivery on request) R 400.00<br />

<strong>Card</strong> delivery to nearest FNB Branch<br />

FREE<br />

<strong>Card</strong> courier personal delivery R 200.00<br />

Section 129 Letter Fee R 59.79<br />

<strong>Credit</strong> <strong>Card</strong> Monthly Rewards Fee<br />

R 16.50 per month<br />

Convenience Fees<br />

Send Money to eWallet (R 20.00 - R 3 000.00) R 9.50<br />

Reversal of incorrect "Send Money to eWallet" transaction R 25.00<br />

<strong>Card</strong>less cash withdrawal<br />

R 3.00 + FNB ATM Fee<br />

Pay2Cell R 3.80<br />

LOTTO/Powerball Purchase R 2.20<br />

Prepaid Transaction Fee (FNB ATM, Cellphone, Online & Telephone Banking) R 2.20<br />

Uncapped ADSL Fee R 2.20<br />

Important Information<br />

••<br />

The above pricing is inclusive of VAT<br />

••<br />

Interest rates are personalised <strong>and</strong> appear on the credit card statement<br />

••<br />

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

••<br />

Should you require further information on any credit card products or services, please contact<br />

<strong>Credit</strong> <strong>Card</strong> Customer Enquiries on 087 575 1111<br />

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

The Small Print<br />

FNB’s Small Print is straightforward. Here we go:<br />

Information on our products <strong>and</strong> prices<br />

••<br />

FNB, a division of FirstR<strong>and</strong> Bank Ltd.,<br />

reserves the right to change fees or<br />

be held responsible if an error or<br />

omission is found.<br />

introduce new fees from time to time.<br />

If we do this, though, we’ll give you at<br />

••<br />

You must apply for each facility<br />

or product individually.<br />

least 20 business days’ notice of<br />

these changes. You’ll find changes<br />

on www.fnb.co.za or on FNB ATMs.<br />

••<br />

The grant of any facility or product is<br />

subject to you meeting the qualifying<br />

criteria of that product or facility.<br />

••<br />

We strive to keep the information<br />

provided in the pricing guide as<br />

accurate as possible, <strong>and</strong> we will not<br />

••<br />

Each facility or product has a set of<br />

terms <strong>and</strong> conditions for that specific<br />

facility or product. We agree on these<br />

terms <strong>and</strong> conditions with the applicant.<br />

If there is disagreement between the<br />

product or facility-specific terms <strong>and</strong><br />

conditions <strong>and</strong> what’s outlined in this<br />

pricing guide, we’ll follow the product<br />

or facility-specific terms <strong>and</strong> conditions<br />

that apply to such a facility or product.<br />

••<br />

The Bank reserves the right to<br />

change the features of any product<br />

or facility at any time.<br />

••<br />

Fees quoted “as per R 100” or<br />

“per R 500” include parts thereof.<br />

••<br />

When Cellphone Banking is referred to,<br />

st<strong>and</strong>ard network rates apply.<br />

••<br />

All fees quoted are VAT inclusive<br />

<strong>and</strong> are effective from 1 July 2015<br />

to 30 June 2016.<br />

••<br />

The fees included here are not all of<br />

FNB’s fees. For all the fees on this<br />

account, please go to www.fnb.co.za.<br />

First National Bank, a division of FirstR<strong>and</strong> Bank Ltd, is an Authorised Financial Services Provider. Terms, Conditions <strong>and</strong> Rules apply. St<strong>and</strong>ard network rates apply.<br />

St<strong>and</strong>ard terminology<br />

If you want to compare FNB’s fees with those<br />

of other banks, we have, as far as possible, used<br />

st<strong>and</strong>ard terminology throughout this pricing<br />

guide. This is in line with Section 13 of the<br />

Code of Banking Practice (COBP). In the case<br />

where we’ve used FNB-specific terminology,<br />

we’ve added this here showing the wording<br />

that other banks may use. So, FNB’s term – as per<br />

this pricing guide – is “<strong>Card</strong> Purchase”, while the<br />

st<strong>and</strong>ard terminology is “<strong>Card</strong> Transaction”; FNB’s<br />

term is “Payment”, while the st<strong>and</strong>ard terminology<br />

equivalent is “Third Party Payment/Stop Order”.<br />

FNB uses the term “Slimline Devices” whereas<br />

other banks might call them Mini ATMs.<br />

FNB uses the term “eChannels”, which refers<br />

to FNB Online Banking, Cellphone Banking,<br />

Telephone Banking Interactive Voice<br />

Response (IVR) <strong>and</strong> FNB ATMs. FNB’s “Mobile<br />

Channels” refer to Cellphone Banking <strong>and</strong> the<br />

FNB Banking App.

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