stay in charge of your Savings & Investments fees
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<strong>stay</strong> <strong>in</strong> <strong>charge</strong> <strong>of</strong><br />
<strong>your</strong> Sav<strong>in</strong>gs &<br />
<strong>Investments</strong> <strong>fees</strong>.<br />
FNB Sav<strong>in</strong>gs & <strong>Investments</strong> Pric<strong>in</strong>g Guide<br />
1 July 2015 - 30 June 2016<br />
First National Bank - a division <strong>of</strong> FirstRand Bank<br />
Limited. An Authorised F<strong>in</strong>ancial Services and<br />
Credit Provider (NCRCP20).
Index<br />
Index<br />
Introduction<br />
Access Your Money Immediately<br />
Access Your Money After Plac<strong>in</strong>g Notice<br />
Access Your Money After a Fixed Period<br />
Invest <strong>in</strong> Shares<br />
Important Information<br />
01<br />
02<br />
09<br />
13<br />
16<br />
20
Introduction<br />
Whatever <strong>your</strong> sav<strong>in</strong>gs or <strong>in</strong>vestment goals, FNB Sav<strong>in</strong>gs &<br />
<strong>Investments</strong> have a solution to help you make it a reality.<br />
No matter how much money you have, it’s never too early to start sav<strong>in</strong>g.<br />
This Pric<strong>in</strong>g Guide will assist you <strong>in</strong> understand<strong>in</strong>g any bank <strong>charge</strong>s related to<br />
<strong>your</strong> sav<strong>in</strong>gs and <strong>in</strong>vestment accounts.<br />
At FNB we do not <strong>charge</strong> you any subscription <strong>fees</strong> for Onl<strong>in</strong>e, Cellphone and<br />
Telephone Bank<strong>in</strong>g, or the FNB Bank<strong>in</strong>g App.<br />
This means you can open and manage <strong>your</strong> accounts us<strong>in</strong>g the Internet, <strong>your</strong><br />
Cellphone, a Telephone, or <strong>your</strong> Smartphone or Tablet, without hav<strong>in</strong>g to pay<br />
any subscription <strong>fees</strong> before you start transact<strong>in</strong>g.<br />
Go<strong>in</strong>g forward<br />
The <strong>fees</strong> outl<strong>in</strong>ed <strong>in</strong> this guide are FNB’s most common VAT-<strong>in</strong>clusive prices,<br />
effective from 1 July 2015 to 30 June 2016.<br />
Fees that have not changed, or have decreased, are shown <strong>in</strong> turquoise.<br />
Many sav<strong>in</strong>gs and <strong>in</strong>vestment accounts have no <strong>fees</strong>, but if<br />
<strong>your</strong> account does, you can follow these simple steps to<br />
SAVE on <strong>fees</strong>:<br />
• Try to avoid go<strong>in</strong>g <strong>in</strong>to an FNB Branch. Instead, use Onl<strong>in</strong>e and Cellphone<br />
Bank<strong>in</strong>g, the FNB Bank<strong>in</strong>g App or FNB ATMs to make payments, transfers or<br />
to check <strong>your</strong> balance.<br />
• Deposit cash <strong>in</strong>to <strong>your</strong> account at an FNB ATM <strong>in</strong>stead <strong>of</strong> a branch as the <strong>fees</strong><br />
are lower.<br />
• Make sure that there is enough money <strong>in</strong> <strong>your</strong> account to cover any<br />
transactions that you make. This way you will avoid penalty <strong>fees</strong>.<br />
Need help?<br />
FNB Pric<strong>in</strong>g L<strong>in</strong>e: 0860 11 22 44<br />
Sav<strong>in</strong>gs & Investment Call Centre: 087 320 4321<br />
Share Invest<strong>in</strong>g: 0860 SHARES (0860 742 737)<br />
01
Access Your Money Immediately<br />
These accounts are suited to customers who require<br />
immediate access to their money while still hav<strong>in</strong>g the<br />
flexibility to add funds at any time.<br />
L<strong>in</strong>ked Sav<strong>in</strong>gs Account<br />
A sav<strong>in</strong>gs account l<strong>in</strong>ked to <strong>your</strong> bank account, that earns you <strong>in</strong>terest.<br />
Access Your Money Immediately<br />
Money on Call<br />
A sav<strong>in</strong>gs account with transactional capabilities as well as an optional VISA<br />
Chip & PIN Card, earn<strong>in</strong>g a higher <strong>in</strong>terest rate.<br />
Money Maximiser<br />
An <strong>in</strong>vestment account with transactional capabilities, earn<strong>in</strong>g the highest<br />
<strong>in</strong>terest rate.<br />
Pay <strong>your</strong>self first<br />
Sav<strong>in</strong>gs should be someth<strong>in</strong>g you th<strong>in</strong>k about every month, not once a year.<br />
Load a Scheduled Transfer onto <strong>your</strong> sav<strong>in</strong>gs or <strong>in</strong>vestment account and the<br />
money will be saved automatically.<br />
* Note: If the product you currently hold is not represented above, pric<strong>in</strong>g is still available<br />
from page 4.<br />
02
L<strong>in</strong>ked<br />
Sav<strong>in</strong>gs<br />
Account<br />
Money<br />
on Call<br />
Money<br />
Maximiser<br />
M<strong>in</strong>imum open<strong>in</strong>g deposit<br />
R0 R5 000 R100 000<br />
Money In<br />
Add money anytime<br />
Scheduled Transfers<br />
Money<br />
Out<br />
Transfers <strong>in</strong>to an FNB account<br />
Third party payments<br />
Interest<br />
Rate<br />
Fluctuat<strong>in</strong>g <strong>in</strong>terest rates<br />
Tiered rate<br />
Interest<br />
Access to <strong>your</strong> <strong>in</strong>terest<br />
Capitalise <strong>your</strong> <strong>in</strong>terest<br />
Special Features<br />
Capital guaranteed<br />
VISA Chip & PIN Card<br />
Investment advice available<br />
Onl<strong>in</strong>e<br />
Open and Manage<br />
Your Account<br />
FNB Bank<strong>in</strong>g App<br />
ATM<br />
Branch<br />
Call Centre<br />
Your Banker<br />
03
Account <strong>fees</strong><br />
Fee<br />
Descriptions<br />
Monthly Account<br />
Fee*<br />
Monthly fee for<br />
Optional Card<br />
Monthly Petrol<br />
Card Fee (l<strong>in</strong>ked to<br />
account)<br />
Simply<br />
Save<br />
FREE<br />
N/A<br />
N/A<br />
Call<br />
Account<br />
FREE<br />
N/A<br />
Money<br />
Market<br />
Transactor<br />
R40.00<br />
R15.50<br />
Money<br />
Market<br />
Investor<br />
FREE<br />
N/A<br />
Money<br />
on<br />
Call<br />
FREE<br />
N/A<br />
Money<br />
Maximiser<br />
R65.00<br />
N/A FREE N/A R40.00 N/A<br />
N/A<br />
Access Your Money Immediately<br />
Subscriptions to<br />
<strong>in</strong>Contact, Onl<strong>in</strong>e,<br />
Cellphone and<br />
Telephone Bank<strong>in</strong>g<br />
and the FNB<br />
Bank<strong>in</strong>g App<br />
FREE<br />
FREE FREE FREE FREE FREE<br />
Card Replacement Fees<br />
FNB Petrol Card<br />
N/A<br />
N/A<br />
R120.00 N/A<br />
N/A<br />
N/A<br />
Visa Cheque Card/<br />
Chip & PIN Card<br />
N/A<br />
N/A<br />
R120.00<br />
N/A<br />
R120.00<br />
N/A<br />
* A monthly exchange control adm<strong>in</strong> fee <strong>of</strong> R13.00 for Non-resident Accounts applies<br />
Fees that apply when transferr<strong>in</strong>g money INTO<br />
any Immediate Access Account<br />
Fee<br />
Descriptions<br />
Simply<br />
Save<br />
Call<br />
Account<br />
Money<br />
Market<br />
Transactor<br />
Money<br />
Market<br />
Investor<br />
Money<br />
on<br />
Call<br />
Money<br />
Maximiser<br />
Deposits<br />
FNB ATM<br />
R30.00<br />
Cheque Deposits<br />
FNB Branch<br />
ENC<br />
Upliftment<br />
Fee and<br />
Special<br />
Clearance<br />
R30.00<br />
R100.00<br />
Cash<br />
Deposits<br />
Electronic<br />
Deposits<br />
FNB ATM<br />
and ADT<br />
FNB Branch<br />
Transfer<br />
money<br />
via Digital<br />
channels<br />
R0.70 per R100 (M<strong>in</strong> R5.50)<br />
R1.65 per R100 (m<strong>in</strong> R50.00)<br />
FREE<br />
* In addition to the above, a deposit fee <strong>of</strong> 0.57% will apply to any money deposited <strong>in</strong>to a<br />
Money Maximiser.<br />
04
Fees that apply when tak<strong>in</strong>g money OUT <strong>of</strong><br />
any Immediate Access Account<br />
Fee<br />
Descriptions<br />
Simply<br />
Save<br />
Call<br />
Account<br />
Money<br />
Market<br />
Transactor<br />
Money<br />
Market<br />
Investor<br />
Money<br />
on<br />
Call<br />
Money<br />
Maximiser<br />
Electronic Withdrawals:<br />
Electronic<br />
Transfers: Onl<strong>in</strong>e,<br />
Cellphone and<br />
Telephone Bank<strong>in</strong>g<br />
and the FNB App<br />
R3.70<br />
R20.00<br />
Transfers: Branch<br />
or Telephone<br />
(Consultant<br />
Assisted)<br />
R50.00<br />
R52.00<br />
Electronic Third<br />
Party Payments:<br />
Onl<strong>in</strong>e, Cellphone<br />
and Telephone<br />
Bank<strong>in</strong>g and the<br />
FNB App<br />
R21.00 R12.00 R12.00 R21.00<br />
R21.00<br />
R21.00<br />
Pay and Clear Now<br />
R42.00<br />
Internal Debit<br />
Orders to FNB<br />
N/A<br />
N/A<br />
R3.70<br />
N/A<br />
R3.70<br />
N/A<br />
External Debit<br />
Orders<br />
N/A<br />
N/A<br />
R21.00<br />
N/A<br />
R21.00<br />
N/A<br />
Cheque Payments<br />
N/A N/A R50.00 N/A<br />
N/A<br />
N/A<br />
Scheduled Transfers Related Fees<br />
Establishment and<br />
Amendment Fees<br />
(Onl<strong>in</strong>e Bank<strong>in</strong>g)<br />
Establishment Fee<br />
(FNB Branch)<br />
Amendment Fee<br />
(FNB Branch)<br />
FREE<br />
R12.00<br />
R12.00<br />
Purchases<br />
Petrol Card<br />
Purchases<br />
N/A N/A R5.00 N/A<br />
N/A<br />
N/A<br />
Local Card<br />
Purchases<br />
N/A N/A FREE N/A<br />
FREE<br />
N/A<br />
Cash Withdrawals<br />
Branch<br />
R50.00 + 1.65 per R100<br />
R55 +<br />
R1.65<br />
per R100<br />
FNB ATM<br />
R3.95 +R1.30 per R100<br />
FNB M<strong>in</strong>i ATM R5.00<br />
Other Banks ATM<br />
N/A<br />
N/A<br />
R10.45<br />
+<br />
R1.30<br />
per R100<br />
N/A<br />
R10.45<br />
+<br />
R1.30<br />
per R100<br />
N/A<br />
05
Fee<br />
Descriptions<br />
Cash Withdrawals:<br />
International ATM<br />
(additional 2.75%<br />
Commission and<br />
Conversion fee<br />
applies)<br />
International<br />
Branch<br />
(additional 2.75%<br />
Commission and<br />
Conversion fee<br />
applies)<br />
Cardless Cash<br />
Withdrawal<br />
(Cellphone<br />
Bank<strong>in</strong>g)<br />
Send Money<br />
Simply<br />
Save<br />
Call<br />
Account<br />
Money<br />
Market<br />
Transactor<br />
Money<br />
Market<br />
Investor<br />
Money<br />
on<br />
Call<br />
Money<br />
Maximiser<br />
N/A N/A R30.00 N/A R30.00 N/A<br />
N/A<br />
N/A<br />
R50.00<br />
+ 1.65<br />
per<br />
R100<br />
R5.00<br />
N/A<br />
R50.00<br />
+ 1.65<br />
per<br />
R100<br />
N/A<br />
Access Your Money Immediately<br />
Send Money<br />
to an eWallet<br />
Reversal <strong>of</strong> Send<br />
Money to eWallet<br />
R9.50<br />
R25.00<br />
Send Money to Zimbabwe/Mozambique<br />
Value: R0.00<br />
- R1 000.00<br />
Value: R1 001.00<br />
- R2 000.00<br />
Value: R2 000.01<br />
- R3 000.00<br />
R45.00<br />
R70.00<br />
R105.00<br />
Other transactional <strong>fees</strong> payable on all<br />
Immediate Access Accounts<br />
Fee<br />
Descriptions<br />
Simply<br />
Save<br />
Call<br />
Account<br />
Money<br />
Market<br />
Transactor<br />
Money<br />
Market<br />
Investor<br />
Money<br />
on<br />
Call<br />
Money<br />
Maximiser<br />
Purchases<br />
Telephone<br />
Bank<strong>in</strong>g Prepaid<br />
(Consultant<br />
Assisted)<br />
R9.00<br />
LOTTO/Powerball<br />
Purchase<br />
R1.75<br />
Cheque Book Fees<br />
Pocket 40 Form N/A N/A R50.00 N/A N/A N/A<br />
06
Fee<br />
Descriptions<br />
Balance Enquiries<br />
FNB Onl<strong>in</strong>e<br />
Bank<strong>in</strong>g, Cellphone<br />
Bank<strong>in</strong>g, Telephone<br />
Bank<strong>in</strong>g (IVR),<br />
FNB Bank<strong>in</strong>g<br />
App and<br />
FNB ATMs<br />
Other Banks’ ATM<br />
Po<strong>in</strong>t-<strong>of</strong>-Sale<br />
International<br />
Po<strong>in</strong>t-<strong>of</strong>-Sale<br />
Branch and<br />
Telephone Bank<strong>in</strong>g<br />
(consultant<br />
assisted)<br />
Statements<br />
Simply<br />
Save<br />
Call<br />
Account<br />
Money<br />
Market<br />
Transactor<br />
Money<br />
Market<br />
Investor<br />
FREE<br />
R5.00<br />
Money<br />
on<br />
Call<br />
Money<br />
Maximiser<br />
N/A N/A R5.00 N/A R5.00 N/A<br />
N/A N/A R1.50 N/A R1.50 N/A<br />
N/A N/A R5.00 N/A R5.00 N/A<br />
Posted/Pr<strong>in</strong>ted<br />
Statement<br />
Current Month<br />
Emailed Statement<br />
FNB ATM M<strong>in</strong>i<br />
Statement<br />
(Pr<strong>in</strong>t or view)<br />
Email<strong>in</strong>g <strong>of</strong><br />
Historical<br />
Statement older<br />
than 3 months -<br />
Onl<strong>in</strong>e Bank<strong>in</strong>g<br />
Email<strong>in</strong>g <strong>of</strong><br />
Historical<br />
Statement older<br />
than 3 months<br />
- Branch and<br />
Telephone Bank<strong>in</strong>g<br />
Provisional<br />
Statement -<br />
Branch and<br />
Telephone Bank<strong>in</strong>g<br />
R13.00 (per statement)<br />
FREE<br />
R3.00<br />
R6.00 (per statement)<br />
R13.00 (per statement)<br />
R13.00 (per page)<br />
Additional Statements (fee per month)<br />
Daily<br />
Weekly<br />
Twice monthly<br />
Balance Alerts (fee per month)<br />
Onl<strong>in</strong>e<br />
R48.00<br />
R22.00<br />
R12.00<br />
Paper<br />
R100.00<br />
R40.00<br />
R20.00<br />
Daily<br />
Weekly<br />
Monthly<br />
R17.00<br />
R3.00<br />
R1.00<br />
07
Fee<br />
Descriptions<br />
Electronic Subscription Services (fee per month)<br />
My Limit Alert<br />
Scheduled<br />
Payment Alert<br />
Simply<br />
Save<br />
Payment Notifications<br />
Call<br />
Account<br />
Money<br />
Market<br />
Transactor<br />
R3.50<br />
R3.50<br />
Money<br />
Market<br />
Investor<br />
Money<br />
on<br />
Call<br />
Money<br />
Maximiser<br />
Access Your Money Immediately<br />
Email<br />
SMS<br />
Fax<br />
R0.74<br />
R1.15<br />
R5.50<br />
Stop Debit Order Payment<br />
Onl<strong>in</strong>e or Mobile<br />
Channels<br />
N/A<br />
N/A<br />
R5.00<br />
N/A<br />
R5.00<br />
N/A<br />
Telephone Bank<strong>in</strong>g<br />
(consultant<br />
assisted)<br />
N/A<br />
N/A<br />
R17.50<br />
N/A<br />
R17.50<br />
N/A<br />
Branch<br />
N/A<br />
N/A<br />
R50.00<br />
N/A<br />
R50.00<br />
N/A<br />
Decl<strong>in</strong>ed Transactions<br />
FNB ATM<br />
(Insufficient Funds<br />
or Limit Exceeded)<br />
Other FNB (Po<strong>in</strong>t<strong>of</strong>-Sale,<br />
Scheduled<br />
Payment, EDO)<br />
and other banks’<br />
ATM<br />
FREE<br />
R8.00<br />
Penalty Fees<br />
Unpaid Cheques/<br />
Debit Orders (per<br />
item)<br />
Payment<br />
Honour<strong>in</strong>g /<br />
Honour<strong>in</strong>g Fee<br />
R60.00 for 1st 3 thereafter R138.00 per subsequent<br />
item with<strong>in</strong> 12 months.<br />
(Money Market Transactor and Money on Call only)<br />
R50.00 per R0 - R1000, R75 per item over R1000<br />
Copies <strong>of</strong> Vouchers (Deposit Slips and Cheques)<br />
Onl<strong>in</strong>e Bank<strong>in</strong>g<br />
Branch and<br />
Telephone Bank<strong>in</strong>g<br />
FREE<br />
R50.00 (per side)<br />
08
Access Your Money After<br />
Plac<strong>in</strong>g Notice<br />
These accounts are suited to customers who require access<br />
to their money after a notice period, while still hav<strong>in</strong>g<br />
flexibility to add money at any time.<br />
7 Day Notice<br />
Access <strong>your</strong> money with<strong>in</strong> 7 days.<br />
32 Day Flexi Notice (Previously Named MyNotice Deposit)<br />
Access <strong>your</strong> money with<strong>in</strong> 32 days.<br />
MyFirstSav<strong>in</strong>gs<br />
Encourage <strong>your</strong> children to save and give them a lesson for life.<br />
Tax-Free Cash Deposit<br />
Pay NO tax on <strong>your</strong> <strong>in</strong>terest.<br />
Did you know?<br />
You can load notices to withdraw on <strong>your</strong> Notice Accounts via Onl<strong>in</strong>e Bank<strong>in</strong>g.<br />
* Note: If the product you currently hold is not represented above, pric<strong>in</strong>g is still available<br />
from page 11.<br />
09
Money In<br />
Money Out<br />
M<strong>in</strong>imum<br />
open<strong>in</strong>g deposit<br />
Add money<br />
anytime<br />
Scheduled<br />
Transfers<br />
Early Access at<br />
a Cost<br />
Transfers <strong>in</strong>to an<br />
FNB account *<br />
Third Party<br />
Payments*<br />
7 Day<br />
Notice<br />
R20 000<br />
32 Day<br />
Flexi<br />
Notice<br />
R1 000<br />
Tax -Free<br />
Cash<br />
Deposit<br />
R1 000<br />
MyFirst-<br />
Sav<strong>in</strong>gs<br />
R100<br />
Access Your Money After Plac<strong>in</strong>g Notice<br />
Fees<br />
No Monthly<br />
Fees<br />
No Transactional<br />
Fees<br />
Interest Rate<br />
Fluctuat<strong>in</strong>g<br />
Interest Rates<br />
Interest Rate<br />
Increases twice<br />
Tiered Rate<br />
Interest<br />
Access to <strong>your</strong><br />
Interest<br />
Capitalise <strong>your</strong><br />
Interest<br />
Special Features<br />
Capital<br />
Guaranteed<br />
Multiple Notices<br />
Allowed<br />
Investment<br />
Advice Available<br />
Onl<strong>in</strong>e<br />
Open and Manage<br />
Your Account<br />
FNB Bank<strong>in</strong>g<br />
App<br />
ATM<br />
Branch<br />
Call Centre<br />
Your Banker<br />
* Subject to notice period.<br />
10
Fee<br />
Descriptions<br />
Subscriptions to Onl<strong>in</strong>e, Cellphone<br />
and Telephone Bank<strong>in</strong>g and the<br />
FNB Bank<strong>in</strong>g App<br />
7 Day<br />
Notice<br />
32 Day<br />
Interest<br />
Plus<br />
32 Day<br />
Flexi<br />
Notice<br />
FREE<br />
Tax-Free<br />
Cash<br />
Deposit<br />
MyFirst-<br />
Sav<strong>in</strong>gs<br />
Withdrawals (terms<br />
and conditions apply)<br />
FREE<br />
See<br />
table<br />
below<br />
See<br />
table<br />
below<br />
FREE<br />
Balance Enquiries (FNB ATM,<br />
Branch, Onl<strong>in</strong>e, Cellphone<br />
Bank<strong>in</strong>g, FNB Bank<strong>in</strong>g App and<br />
Telephone Bank<strong>in</strong>g)<br />
FREE<br />
Statements<br />
Posted/Pr<strong>in</strong>ted Statement<br />
Current Month Emailed<br />
Statement<br />
FNB ATM M<strong>in</strong>i Statement (Pr<strong>in</strong>t<br />
or view)<br />
Email<strong>in</strong>g <strong>of</strong> Historical Statement<br />
older than 3 months - Onl<strong>in</strong>e<br />
Bank<strong>in</strong>g<br />
Email<strong>in</strong>g <strong>of</strong> Historical Statement<br />
older than 3 months - Branch<br />
and Telephone Bank<strong>in</strong>g<br />
Provisional Statement - Branch<br />
and Telephone Bank<strong>in</strong>g<br />
Deposits<br />
R13.00 (per statement)<br />
FREE<br />
R3.00<br />
R6.00 (per statement)<br />
R13.00 (per statement)<br />
R13.00 (per page)<br />
FREE<br />
FREE<br />
FREE<br />
FREE<br />
FREE<br />
FREE<br />
Cheque Deposits<br />
FNB ATM<br />
FNB Branch<br />
ENC Upliftment<br />
Fee and Special<br />
Clearance<br />
Not<br />
allowed<br />
Not<br />
allowed<br />
Not<br />
allowed<br />
R30.00<br />
FREE<br />
R100.00<br />
FREE<br />
Cash<br />
Deposits<br />
FNB ATM and ADT<br />
FNB Branch<br />
Not<br />
allowed<br />
Not<br />
allowed<br />
FREE<br />
R1.65 per R100<br />
(m<strong>in</strong> R50.00)<br />
FREE<br />
Electronic<br />
Deposits<br />
Transfer money<br />
via Digital Channels<br />
FREE<br />
11
Notice Costs<br />
Plac<strong>in</strong>g Notice<br />
Ma<strong>in</strong>ta<strong>in</strong><strong>in</strong>g Notice<br />
Delet<strong>in</strong>g Notice<br />
Consultant Assisted<br />
(Effective January 2016)<br />
R 50.00<br />
R 50.00<br />
R 50.00<br />
32 Day Flexi Notice Withdrawal Costs<br />
Digital<br />
Channel<br />
FREE<br />
FREE<br />
FREE<br />
MyFirst<br />
Sav<strong>in</strong>gs<br />
FREE<br />
FREE<br />
FREE<br />
Access Your Money After Plac<strong>in</strong>g Notice<br />
Notice Period<br />
(<strong>in</strong> days)<br />
32 days<br />
22-31 days<br />
15-21 days<br />
8-14 days<br />
1-7 days<br />
Withdrawal cost =<br />
% <strong>of</strong> withdrawal amount<br />
0.5%<br />
1.0%<br />
2.0%<br />
3.0%<br />
Free<br />
M<strong>in</strong>imum withdrawal<br />
cost applicable<br />
R50.00<br />
R50.00<br />
R50.00<br />
R50.00<br />
Tax-Free Cash Deposit Withdrawal Costs<br />
Notice Period (<strong>in</strong> days)<br />
Withdrawal Cost<br />
32 days<br />
1-31 days<br />
FREE<br />
R300.00<br />
12
Access Your Money After a<br />
Fixed Period<br />
These accounts are suited to customers who only require<br />
access to their money after a fixed period.<br />
Fixed Deposit<br />
An <strong>in</strong>vestment account fixed for a period, typically giv<strong>in</strong>g you a higher <strong>in</strong>terest<br />
rate than <strong>in</strong>vestments available overnight or on notice.<br />
Effective Rate Fixed Deposit<br />
A Fixed Deposit, where <strong>in</strong>terest on <strong>in</strong>terest is built <strong>in</strong>to the rate you earn.<br />
Restart Fixed Deposit<br />
A Fixed Deposit where you can reset <strong>your</strong> <strong>in</strong>vestment once dur<strong>in</strong>g the term, at a<br />
higher <strong>in</strong>terest rate.<br />
Inflation-L<strong>in</strong>ked Deposit<br />
A Fixed Deposit where <strong>your</strong> returns are l<strong>in</strong>ked to <strong>in</strong>flation.<br />
Islamic Term Deposit<br />
An <strong>in</strong>vestment with a fixed term <strong>of</strong>fer<strong>in</strong>g you great returns over the period <strong>of</strong> <strong>your</strong><br />
<strong>in</strong>vestment.<br />
Flexi Fixed Deposit<br />
An <strong>in</strong>vestment with a fixed term while giv<strong>in</strong>g you access, with<strong>in</strong> 24 hours, to a<br />
portion <strong>of</strong> <strong>your</strong> money.<br />
Did you know?<br />
You can capitalise <strong>your</strong> <strong>in</strong>terest, earn<strong>in</strong>g you <strong>in</strong>terest on <strong>in</strong>terest, or you<br />
can choose when you would like <strong>your</strong> <strong>in</strong>terest to be paid out.<br />
13
Money In<br />
Money Out<br />
M<strong>in</strong>imum<br />
open<strong>in</strong>g<br />
deposit<br />
Transfers <strong>in</strong>to an<br />
FNB Account*<br />
Third Party<br />
Payments*<br />
Flexi<br />
Fixed<br />
Fixed<br />
Deposit<br />
Deposit<br />
R100<br />
Effective<br />
Rate<br />
Fixed<br />
Deposit<br />
Islamic<br />
Term<br />
Deposit<br />
Restart<br />
Fixed<br />
Deposit<br />
Inflation-<br />
L<strong>in</strong>ked<br />
Deposit<br />
R10 000 R10 000 R10 000 R10 000 R50 000<br />
Access Your Money After a Fixed Period<br />
Fees<br />
Interest Rate<br />
Interest<br />
Special Features<br />
Open and Manage Your Account<br />
No Monthly<br />
Fees<br />
Fluctuat<strong>in</strong>g<br />
Interest Rates<br />
Tiered Rate<br />
Special Rate if<br />
55 years or older<br />
Access to <strong>your</strong><br />
Interest<br />
Capitalise <strong>your</strong><br />
Interest<br />
Capital<br />
Guaranteed<br />
Choose <strong>your</strong><br />
own Term<br />
Invest<br />
<strong>your</strong> eBucks<br />
Investment<br />
Advice Available<br />
Pr<strong>of</strong>it / Loss<br />
Share*<br />
Onl<strong>in</strong>e<br />
FNB Bank<strong>in</strong>g<br />
App<br />
ATM<br />
Branch<br />
Call Centre<br />
Your Banker<br />
* On Maturity Date<br />
14
Fee Descriptions<br />
Subscriptions to<br />
Onl<strong>in</strong>e, Cellphone<br />
and Telephone<br />
Bank<strong>in</strong>g and the FNB<br />
Bank<strong>in</strong>g App<br />
Flexi<br />
Fixed<br />
Fixed<br />
Deposit<br />
Deposit<br />
Effective<br />
Rate<br />
Fixed<br />
Deposit<br />
Islamic<br />
Term<br />
Deposit<br />
FREE<br />
Restart<br />
Fixed<br />
Deposit<br />
Inflation-<br />
L<strong>in</strong>ked<br />
Deposit<br />
Balance Enquiries<br />
(FNB ATM, Branch,<br />
Onl<strong>in</strong>e, Cellphone<br />
Bank<strong>in</strong>g, FNB Bank<strong>in</strong>g<br />
App and Telephone<br />
Bank<strong>in</strong>g)<br />
FREE<br />
Statements<br />
Posted/Pr<strong>in</strong>ted<br />
Statement<br />
Current Month<br />
Emailed<br />
Statement<br />
FNB ATM M<strong>in</strong>i<br />
Statement (Pr<strong>in</strong>t<br />
or view)<br />
Email<strong>in</strong>g <strong>of</strong> Historical<br />
Statement older than<br />
3 months - Onl<strong>in</strong>e<br />
Bank<strong>in</strong>g<br />
Email<strong>in</strong>g <strong>of</strong> Historical<br />
Statement older than<br />
3 months - Branch<br />
and Telephone<br />
Bank<strong>in</strong>g<br />
Provisional<br />
Statement - Branch<br />
and Telephone<br />
Bank<strong>in</strong>g<br />
R13.00 (per statement)<br />
FREE<br />
R3.00<br />
R6.00 (per statement)<br />
R13.00 (per statement)<br />
R13.00 (per page)<br />
Deposits<br />
Cheque Deposits<br />
Cash<br />
Deposits<br />
Electronic<br />
Deposits<br />
FNB ATM<br />
FNB Branch<br />
ENC<br />
Upliftment<br />
Fee and<br />
Special<br />
Clearance<br />
FNB ATM and<br />
ADT<br />
FNB Branch<br />
Transfer<br />
money<br />
via Digital<br />
Channels<br />
FREE<br />
R30.00<br />
R100.00<br />
FREE<br />
R1.65 per R100 (m<strong>in</strong> R50.00)<br />
FREE<br />
15
Invest <strong>in</strong> Shares<br />
Share Invest<strong>in</strong>g gives you access to <strong>in</strong>vest directly <strong>in</strong> JSE<br />
shares and Krugerrands – onl<strong>in</strong>e and <strong>in</strong> real time.<br />
Invest <strong>in</strong> Shares<br />
Invest<strong>in</strong>g <strong>in</strong> shares and directly <strong>in</strong> gold (through Krugerrands) is a great way to<br />
build <strong>your</strong> wealth, as it allows you to diversify <strong>your</strong> <strong>in</strong>vestment and benefit from<br />
company pr<strong>of</strong>its and dividends over time.<br />
Who is this for?<br />
Whether you are new to <strong>in</strong>vest<strong>in</strong>g <strong>in</strong> shares, or a seasoned share veteran, we<br />
<strong>of</strong>fer various options that will suit <strong>your</strong> level <strong>of</strong> experience <strong>in</strong> the share market:<br />
Share Saver<br />
Invest monthly <strong>in</strong> the top 100 JSE listed companies from as little as R300 per<br />
month. This means you don’t have to choose <strong>your</strong> own shares.<br />
Share Builder<br />
Choose from a pre-selected range <strong>of</strong> JSE blue chip shares to help you start <strong>your</strong><br />
Share Invest<strong>in</strong>g Portfolio. You can also <strong>in</strong>vest directly <strong>in</strong> Krugerrands via this<br />
product.<br />
Share Investor<br />
If you have some experience <strong>in</strong> the share market, Share Investor allows you to<br />
<strong>in</strong>vest <strong>in</strong> the full range <strong>of</strong> JSE listed shares and Krugerrands <strong>in</strong> real time.<br />
Tax-Free Shares<br />
Invest <strong>in</strong> the Top 100 Companies on the JSE and pay no tax on <strong>your</strong> returns or<br />
dividends.<br />
Did you know?<br />
You can <strong>in</strong>vest safely <strong>in</strong> Krugerrands onl<strong>in</strong>e, simply by open<strong>in</strong>g a Share<br />
Builder or Share Investor account.<br />
16
Fee<br />
Descriptions<br />
Monthly Fees<br />
Share Saver (based on<br />
portfolio value)<br />
Share Share Tax-free Shares (based<br />
Builder Investor on portfolio value)<br />
Monthly<br />
account<br />
fee<br />
R0 - 0.50% plus<br />
R250 000 VAT<br />
R250 001 – 0.45% plus<br />
R19.00 R49.00*<br />
R1 000 000 VAT<br />
R0 –<br />
R250 000<br />
R250 001 –<br />
R1 000 000<br />
0.35% plus<br />
>R1 000 001<br />
>R1 000 001<br />
VAT<br />
0.50%<br />
plus VAT<br />
0.45%<br />
plus VAT<br />
0.35%<br />
plus VAT<br />
Subscriptions<br />
to <strong>in</strong>Contact,<br />
Onl<strong>in</strong>e,<br />
Cellphone<br />
and<br />
Telephone<br />
Bank<strong>in</strong>g and<br />
the FNB<br />
Bank<strong>in</strong>g App<br />
Krugerrand<br />
safekeep<strong>in</strong>g<br />
fee<br />
FREE FREE FREE<br />
0.86%<br />
<strong>of</strong><br />
0.86%<br />
<strong>of</strong><br />
market market<br />
-<br />
value<br />
per<br />
annum<br />
value<br />
per<br />
annum<br />
FREE<br />
-<br />
*For Share Investor Accounts, a monthly account fee <strong>of</strong> R75 is <strong>charge</strong>d on Non-resident and<br />
Emigrant Blocked accounts. No VAT is payable on Non-resident and Emigrant Blocked Accounts.<br />
Fee Descriptions Card<br />
Electronic<br />
Channels<br />
Telephone Branch<br />
Transaction Fees<br />
Withdrawals -<br />
-<br />
-<br />
R50.00 +<br />
R1.65 per<br />
R100<br />
Transfers -<br />
R3.70 R50.00 R50.00<br />
Payments<br />
- R7.00 R50.00 R50.00<br />
17
Fee<br />
Descriptions<br />
Share Saver<br />
Trade <strong>fees</strong> (<strong>of</strong> trade amount)<br />
Share<br />
Builder<br />
Share<br />
Investor<br />
Tax-free Shares<br />
Invest <strong>in</strong> Shares<br />
Delayed<br />
1st<br />
Delayed<br />
Delayed<br />
Delayed<br />
1st<br />
Trade<br />
trades<br />
trad<strong>in</strong>g<br />
trades<br />
Now<br />
trades<br />
trades<br />
trad<strong>in</strong>g<br />
Option<br />
(Today at<br />
day <strong>of</strong><br />
(Today at<br />
trades<br />
(Today at<br />
(Today at<br />
day <strong>of</strong><br />
15:00)<br />
month<br />
15:00)<br />
15:00)<br />
15:00)<br />
month<br />
Brokerage<br />
Fee<br />
0.6% (m<strong>in</strong><br />
R40) plus<br />
VAT<br />
0.10%<br />
plus<br />
VAT<br />
2% (m<strong>in</strong><br />
R50)<br />
plus VAT<br />
0.6% (m<strong>in</strong><br />
R80) plus<br />
VAT<br />
2% (m<strong>in</strong><br />
R50)<br />
plus VAT<br />
0.6% (m<strong>in</strong><br />
R40) plus<br />
VAT<br />
0.10%<br />
plus<br />
VAT<br />
Investor<br />
Protection<br />
Levy<br />
0.0002%<br />
plus VAT<br />
N/A<br />
N/A<br />
0.0002%<br />
plus VAT<br />
N/A<br />
0.0002%<br />
plus VAT<br />
N/A<br />
0.005787%<br />
0.005787%<br />
0.005787%<br />
STRATE<br />
Settlement<br />
Charge<br />
(m<strong>in</strong>imum<br />
R11.58<br />
maximum<br />
R57.87)<br />
N/A<br />
N/A<br />
(m<strong>in</strong>imum<br />
R11.58<br />
maximum<br />
R57.87)<br />
N/A<br />
(m<strong>in</strong>imum<br />
R11.58<br />
maximum<br />
R57.87)<br />
N/A<br />
plus VAT<br />
plus VAT<br />
plus VAT<br />
Securities<br />
Transfer Tax<br />
(only on share<br />
N/A N/A N/A<br />
0.25%<br />
N/A<br />
N/A<br />
N/A<br />
purchase)<br />
Value add <strong>fees</strong> - price alert<br />
Share Investor only, we will <strong>charge</strong> R0.35 Incl <strong>of</strong> VAT per alert that gets sent.<br />
Did you know?<br />
With Share Builder you get to choose <strong>your</strong> own shares from a preselected<br />
basket <strong>of</strong> JSE blue chip shares. To f<strong>in</strong>d out what shares are <strong>in</strong>cluded <strong>in</strong> the<br />
Share Builder limited selection, go to fnb.co.za/share-<strong>in</strong>vest<strong>in</strong>g/share-builder.<br />
Other account related <strong>fees</strong><br />
Fee<br />
Deposits<br />
Cheque deposits*<br />
FNB ATM and FNB branch (per deposit)<br />
R30.00<br />
Cash deposits<br />
FNB ATM with envelope or Automated<br />
Deposit (ADT)<br />
FNB Branch<br />
ENC upliftment fee and special clearance<br />
Deposit <strong>of</strong> post-dated cheques<br />
(per cheque)<br />
R0.70 per R100, (m<strong>in</strong>imum<br />
R5.50)<br />
R1.55 per R100, (m<strong>in</strong>imum<br />
R50.00)<br />
R100.00<br />
R85.00<br />
*The standard cheque clearance period is 7 days. Clearance could differ per account.<br />
K<strong>in</strong>dly call 0860 11 22 44 or <strong>your</strong> branch for details.<br />
18
Non-standard services<br />
Fee<br />
Share transfer (per counter)<br />
Account transfer <strong>in</strong><br />
Account transfer out<br />
Internal transfer<br />
Portfolio move <strong>in</strong><br />
Portfolio move out<br />
Free<br />
R135.00<br />
Free<br />
Free<br />
R100.00<br />
Other <strong>fees</strong><br />
Telephonic trade <strong>in</strong>structions<br />
Cancellation (<strong>of</strong>f-exchange <strong>in</strong>struction)<br />
Normal dematerialisation (per counter)<br />
Urgent dematerialisation (per counter)<br />
Normal rematerialisation (per counter)<br />
Urgent rematerialisation (per counter)<br />
Exchange (per counter)<br />
Indemnities (excl <strong>in</strong>surance per counter)<br />
Monthly Safe Custody Fee (only on share<br />
portfolio values > R10m <strong>in</strong> market value<br />
and exclud<strong>in</strong>g Share Saver)<br />
Registration/Change <strong>of</strong> beneficiary (excl VAT)<br />
Krugerrand Deliveries<br />
0.5% with a m<strong>in</strong>imum <strong>of</strong> R100<br />
R140.00<br />
R105.00<br />
R1 500.00<br />
R1 200.00<br />
R1 250.00<br />
R105.00<br />
R390.00<br />
0.0005% <strong>of</strong> value<br />
exceed<strong>in</strong>g R10m<br />
R45.00<br />
POA<br />
Portfolio Evaluation R40.00<br />
Dividend Tax Refund (per refund processed<br />
per beneficial owner)<br />
Share removal (per <strong>in</strong>struction)<br />
R150.00<br />
Fee<br />
Normal: Value <strong>of</strong> securities<br />
R1 – R50 000<br />
R50 000 – R2 000 000<br />
R2 000 000+<br />
R990.00<br />
R1 550.00<br />
R2 650.00<br />
Fast track: Value <strong>of</strong> securities<br />
R1 – R50 000<br />
R50 000 – R2 000 000<br />
R2 000 000+<br />
R1 650.00<br />
R2 750.00<br />
R4 800.00<br />
19
Important Information<br />
• A complete, comprehensive pric<strong>in</strong>g guide is available on www.fnb.co.za<br />
• Errors and omissions are excluded.<br />
• Normal terms and conditions apply to each product. Terms and conditions<br />
are agreed with the applicant. If there is conflict between such terms and<br />
conditions and those <strong>in</strong> the brochure, we will follow the normal terms and<br />
conditions that apply to such product.<br />
• The Bank reserves the right to change at any time the features <strong>of</strong> any product.<br />
• FNB recommends that you obta<strong>in</strong> <strong>in</strong>dependent tax advice from a suitably<br />
qualified pr<strong>of</strong>essional regard<strong>in</strong>g the tax implications <strong>of</strong> any <strong>in</strong>vestment.<br />
• Statements only available on request if balances fall below the m<strong>in</strong>imum<br />
required balances accord<strong>in</strong>g to product rules.<br />
• First National Bank - a division <strong>of</strong> FirstRand Bank Ltd is an Authorised F<strong>in</strong>ancial<br />
Services and Credit Provider.<br />
Important Information<br />
Prices may change<br />
FNB may at any time change these prices or <strong>in</strong>troduce new <strong>fees</strong>. We will give<br />
at least 20 bus<strong>in</strong>ess days’ notice <strong>of</strong> these changes on the FNB website at<br />
www.fnb.co.za or on FNB ATMs.<br />
Standard Term<strong>in</strong>ology<br />
To assist you <strong>in</strong> compar<strong>in</strong>g FNB’s <strong>charge</strong>s with those <strong>of</strong> other banks, we have,<br />
as far as possible, used standardised term<strong>in</strong>ology throughout this guide. This is<br />
<strong>in</strong> accordance with Section 13 <strong>of</strong> the Code <strong>of</strong> Bank<strong>in</strong>g Practice (COBP). In the<br />
case where we have used FNB-specific term<strong>in</strong>ology, we have added the table<br />
below <strong>in</strong>dicat<strong>in</strong>g the appropriate standardised term<strong>in</strong>ology which may be used<br />
by other banks.<br />
FNB Term (as per pric<strong>in</strong>g guide)<br />
Payment<br />
Cheque<br />
Standardised<br />
Term<strong>in</strong>ology<br />
Third Party Payment/Stop Order<br />
Cheque Payment/Cheque<br />
Encashment<br />
Please note:<br />
Electronic Channels <strong>in</strong>clude Onl<strong>in</strong>e Bank<strong>in</strong>g, ATM, Cellphone Bank<strong>in</strong>g, Telephone Bank<strong>in</strong>g<br />
(IVR) and the FNB Bank<strong>in</strong>g App.<br />
20
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