View pricing guide - FNB

Home Introduction Benefits Minimise your bank charges FNB Business Account

Banking solutions that make doing business easier.

That’s how we help.

Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle eWallet Pro fees

FNB Business Pricing guide 1 July 2017 - 30 June 2018

Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us

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

Home Introduction Benefits Minimise your bank charges FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us

Introduction At FNB Business we know how much your business and customers mean to you, and how busy it can get meeting their demands while striving to grow your business. Our business solutions are there to help you. Whether you need sound advice, a cash injection to get things going, guidance on the best way to grow your savings or innovative transactional solutions that take the hassle out of banking, that’s how we help. The fees outlined in this guide are VAT inclusive and are effective from 1 July 2017 to 30 June 2018.

Home Introduction

Benefits

Benefits Minimise your bank charges FNB Business Account

01

02

Single Fee pricing options Pay-As-You-Use pricing option

eBucks Rewards for Business

Instant Payroll

General transaction fees

eBucks Rewards for Business is a rewards programme that gives qualifying FNB Business clients the ability to earn eBucks as a reward for banking with FNB. Visit for more information on how to register. Terms, conditions and rules apply.

This complete online payroll solution allows you to manage your monthly and weekly payroll through Online Banking. What’s more, it’s free to all FNB Business clients.

Cash Bundle eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us

03

04 DocTrail™

Instant Accounting

DocTrail™ makes your business’ requisition and audit process as simple as making a payment. It allows your business to upload and attach source documents to payments or transfers on Online Banking Enterprise™, so that managers and auditors know exactly what they were for. This “document trail” is available online for five years.

Do your business’ financial reports for free with our unique accounting solution. It is fully integrated with your Online Banking profile, allowing you to generate accurate financial statements and reports effortlessly.

Home Introduction

Benefits


05

Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle

06 Instant Invoicing

Instant Cashflow

Instant Invoicing is free to all FNB Business clients. It automatically populates your invoices and links them to payments.

Instant Cashflow is a free online, interactive tool that can help you to better manage your business’ cash flow and make informed business decisions.

eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account

07

08

Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us

SLOW Lounge

eWallet Pro

Get access to SLOW Domestic Lounges, SLOW International Lounges and SLOW in the City with your qualifying FNB Business Platinum or Black Visa Cheque or Credit Card. Terms and conditions apply.

Pay any recipient or employee at any time with eWallet Pro, even if they don’t have a bank account. Funds are secure and can be accessed via a chip card or your recipient’s cell phone. This is a safe and convenient way to minimise the risk and costs associated with handling cash and cheques in your business. eWallet Pro contract’s are created online in real-time through

Online Banking Enterprise™, enabling recipients to access their money immediately.

Home Introduction

Benefits


09

Single Fee pricing options

10 Online Banking Enterprise™

Pay-As-You-Use pricing option

Online Banking Enterprise™ gives you additional features to help manage the needs of your business – set up multiple users and dual authorisations, upload source documents to transactions with DocTrail™, use inContact Pro, manage collections, upload recipients in bulk and do SARS eFiling payments.

General transaction fees Cash Bundle eWallet Pro fees Trust Accounts

Business Banking App for tablets and smartphones Manage your business on the move with our Business Banking App for tablets and smartphones. Access Online Banking Enterprise™ easily, securely and conveniently on your device to manage your business’ financial needs with dual authorisation of transactions and administrative capabilities.

FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account

11

12

Online Banking

Online Banking for Business

Foreign Exchange

Your business is different to any other and as a result, you need banking solutions tailored to your business’ day-to-day needs. From viewing your accounts and balances, to applying for credit and performing Foreign Exchange transactions online, you can bank 24/7 with Online Banking for Business.

Paypal FNB Business Credit Cards Important Information Terminology Contact us

13 Commercial Property Finance Whether you are a property investor, a property developer or want to own your business premises, Commercial Property Finance can provide structured funding solutions for all your property funding requirements.

Specialised Finance Our dedicated team of specialists are experts at tailoring a lending solution to suit your specific needs – from overdraft facilities, Leveraged Finance and Debtor Finance, to Selective Invoice Discounting and Structured Trade Commodity Finance.

Home Introduction

Minimise your bank charges

Benefits Minimise your bank charges FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees

Make smarter payments

Use an FNB ATM with Deposits for cash deposits

Avoid queues, cash and cheques by making Electronic Fund Transfers (EFT) via the secure and more cost-effective FNB Banking App or Online Banking.

Save time and money by using our ATM with Deposits terminals to make cash deposits. It’s more convenient than going into an FNB branch and funds clear immediately.

Get email statements

Use an FNB Business Visa Cheque or Credit Card instead of cash

Keep track of your business transactions electronically with email statements, delivered to your inbox for free. Plus, it’s more secure and easier to file them.

An FNB Business Visa Cheque or Credit Card gives you the security of not having to carry cash with you, and offers you the ability to do your business transactions with ease.

Get paid electronically

Use Cash@Till™ for cash withdrawals

Ask your customers to pay you via EFT to reduce high cash deposit fees on your account.

Withdraw cash at a cheaper fee from participating retailers using Cash@Till™ rather than using ATMs.


Home Introduction Benefits Minimise your bank charges FNB Business Account Single Fee pricing options

FNB Business Account With your Business Account, you can choose between the Pay-As-You-Use (PAYU) pricing option or one of our two Single Fee pricing options. NOTE: All references to card transactions indicate FNB Business Visa Cheque, Debit or Electron Card transactions.

Pay-As-You-Use pricing option General transaction fees


Cash Bundle

There are two Single Fee pricing options to choose from. With these options, you are charged a monthly fee upfront and do not have to monitor your transaction fees each month, but we ask that you verify the transactions and costs on your statements. Per-item billing will only commence once the stipulated limit has been reached. All transactions and their associated costs (where applicable) can be verified on your monthly statement.

eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account

GOLD ACCOUNT

Savings and Cash Investments

Monthly fee

Business SuperSave Account

Electronic debit transactions1

Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information

Cash deposited at FNB ATM with Deposits only Electronic Pay & Clear Now Free Transactions

Terminology

OPTION 1

OPTION 2

R235

R350

30 transactions which include a maximum of 5 FNB ATM cash withdrawals


Free cash deposits up to R50 000 per month

Free cash deposits up to R100 000 per month 3 Free

POS Purchases Electronic Transfers Prepaid Purchases Balance Enquiries (POS)

Contact us

1

Debit transactions include all payments done via Online Banking and FNB ATMs, excluding all cheque and branch transactions, Pay & Clear Now, transactions using Online Banking EnterpriseTM, and other banks’ ATMs. These and other fees are charged for at Pay-As-You-Use rates as quoted in this guide.

Home

Items above the transaction threshold limits will be charged as follows:

Introduction GOLD ACCOUNT

Benefits Minimise your bank charges FNB Business Account Single Fee pricing options

Electronic debit transactions1 Electronic Pay & Clear Now Cash deposited at FNB ATM with Deposits only

OPTION 1

OPTION 2

R18

R17

R37.50

R37.50

R3.95 + R0.60 per R100 or part thereof


OPTION 1

OPTION 2

R415

R560






PLATINUM ACCOUNT

Cash Bundle

Monthly fee

eWallet Pro fees

Electronic debit transactions1

Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account

Cash deposited at FNB ATM with Deposits only Electronic Pay & Clear Now

3 Free

Free Transactions


Online Banking Foreign Exchange Paypal


FNB Business Credit Cards PLATINUM ACCOUNT

Important Information Terminology Contact us

Electronic debit transactions1 Electronic Pay & Clear Now Cash deposited at FNB ATM with Deposits only 1

OPTION 1

OPTION 2

R17

R16

R37.50

R37.50




Home


Introduction

On this pricing option, you pay a lower monthly fee and in addition each transaction will be charged separately as per the tables to follow.

Benefits Minimise your bank charges

TRANSACTION DESCRIPTION

FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option

FEE

Monthly fees FNB Gold Business Account

R75


FNB Platinum Business Account2

R105

Cash Bundle

FNB Practice Account

R120

eWallet Pro fees

FNB Business Trust Accounts3

R135

Trust Accounts

Monthly petrol card fee Purchases

FNB Practice Account Islamic Business Account

Prepaid purchases


Prepaid purchases – FNB electronic banking channels


R17.50

R1.20

Prepaid purchases at other banks’ ATMs

R12.50

Online Banking

Prepaid purchases – Telephone Banking

R12.50

Foreign Exchange

Card purchases

Paypal FNB Business Credit Cards

FNB Business Visa Cheque Card purchases (local and international)4 FNB Business Petrol Card purchases

R3.65 R5

Important Information Terminology Contact us 2

Certain FNB Platinum Business Account PAYU fees may vary from the FNB Gold Business Account PAYU fees listed below.

3

Excluding businesses whose profession requires them to hold funds on behalf of a third party (such as Attorneys’ Trusts or other businesses which are required by an act that governs its behaviour to manage third-party funds).

4

International currency commission and conversion fee of 2.75% of the transaction value applies.

Home Introduction


Benefits

Inter-account transfers


Electronic transfers (FNB ATM, Online Banking – Single Level Control, Telephone Banking – IVR and Speech)

FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account

Transfers (FNB branch, Telephone Banking – consultant assisted) Scheduled transfers (per payment)

R4 R65 R4

Account payments Electronic third-party payments (FNB ATM, Online Banking – Single Level Control, Telephone Banking – IVR and Speech) Internal debit orders (debit orders raised by FNB Card, FNB Home Loans, WesBank, FNB Loans, FNB Funeral Cover) External debit orders Cheque payments (per item) Third-party payments (FNB branch, Telephone Banking – consultant assisted) Issue of bank cheques (per cheque) Pay and Clear Now payments (Online Banking, FNB branch, participating banks only)

Online Banking

Payment honouring fee (per item)

Foreign Exchange

Scheduled payments

Paypal

FEE

max R9.10 R4 R18 R100 R65 R110 R45 R155

Scheduled payment establishment/amendment fee (Online Banking)

Free

FNB Business Credit Cards

Scheduled payment establishment/amendment fee (FNB branch)

R16

Important Information

Stop payment instructions

Terminology Contact us

Online Banking Telephone Banking FNB branch

R5 R18.50 R55

Home


Introduction

The following transactions will be charged for in addition to your monthly account fees, and are applicable to all Single Fee and Pay-As-You-Use pricing options.



FEE

FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us

Payment notifications Email

R0.85

SMS

R1.25

Fax

R6.35

Cheque books 40 forms

R65

200 forms

R180

Cheque book courier fee

R200

Voucher retention (per month)

R60

Deposit books 100 pages (non-MICR)

R37.50

100 pages (MICR encoded)

R37.50

Subscription fees Online Banking, Telephone Banking, inContact Pro Scheduled payment alert fee (per month)

Free R3

Home


Introduction Benefits

Balance alerts (per month)


Daily

FNB Business Account Single Fee pricing options

Cash Bundle eWallet Pro fees Trust Accounts

R15

Weekly

R3

Monthly

R1

Cash withdrawals


FEE

Cash@Till™ – Point of sale

R1.40 per withdrawal

Cash swaps

R10 per R1 000 or part thereof

FNB Slimline ATM (withdrawal limits may apply)

R1.85 per R100 or part thereof

Other banks’ Mini-ATMs FNB ATM

R8 + R1.85 per R100 or part thereof R1.85 per R100 or part thereof


Other banks’ ATMs

Islamic Business Account

International ATM cash withdrawals5


International branch cash withdrawals5

R60 + R1.90 per R100 or part thereof

FNB branch and FNB Bulk Cash Centres

Cheque service fee (min R50) + cash handling fee

Business SuperSave Account Online Banking

Value per withdrawal

Paypal


R65

Cash handling fee at FNB branch

Foreign Exchange



R0 – R4 999.99


R5 000 – R14 999.99


R15 000 – R49 999.99


R50 000 and greater


5


Home Introduction


Benefits

Deposits


Cheque deposit at FNB branch (per deposit)


Special clearance fee Effects not cleared upliftment fee


Surplus/shortage in deposit (incident fee)

FEE

R45 + R5 Per Cheque (max R100) R115 R100 per R10 000 or part thereof (min R500, max R5 000) R87.50

Cash Bundle

Referenced deposit transactional fee

eWallet Pro fees

Over the counter (partial or full validation)

R4.40

Trust Accounts

Electronic reference validation (FNB clients only)

R1.97


Cash deposits


FNB ATM with Deposits/Bulk Deposit Acceptor


Cash deposit fee at FNB branch minimum fee per deposit

R3.95 + R0.80 per R100 or part thereof R45

Value per deposit R0 – R4 999.99


R5 000 – R14 999.99


R15 000 – R49 999.99


R50 000 and greater


Home Introduction


Benefits

Cash deposit fee at FNB Bulk Cash Centres


Minimum fee per deposit

FNB Business Account

Value per deposit

FEE

R45


R0 – R4 999.99



R5 000 – R14 999.99


R15 000 – R49 999.99


R50 000 and greater


General transaction fees Cash Bundle eWallet Pro fees

Common Monetary Area (CMA) Cross-Border Receipt

R100 plus applicable Cash Deposit Fee


BALANCE ENQUIRIES

FEE


FNB ATM

Free

Trust Accounts FNB Practice Account

Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us

Point of sale (FNB Business Visa Cheque Cards only)

R1.50

FNB branch and Telephone Banking (consultant assisted)

R5.50

Other banks’ ATMs

R5.50

International Point of sale balance enquiries

R5.50

Home Introduction


FEE

Benefits

Statements


Monthly statement (collected at FNB branch)

Free


Emailing of current monthly statement (plus optional workable data files)

Free

Monthly posted statement

R16

Mini-statements (FNB ATM)

R3

Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account

Emailing and downloading of historical statements (older than 3 months, per statement)

R6.50

Provisional statement (FNB branch, Telephone Banking, per page)

R15.50

Additional statements (fee per month)

Paper

Online

Daily

R112

R53

Weekly

R46

R24

Twice monthly

R23

R14

Penalty fees FNB ATM declined transaction fee (insufficient funds or daily limit exceeded)

Free R8.50

Online Banking

Other FNB declined transaction fee (local and international Point of sale, scheduled payment)

Foreign Exchange

Other banks’ ATMs declined transaction fee (insufficient funds or daily limit exceeded)

R8.50

Inward unpaid fee

R120

Unpaid cheques and/or debit orders

R185


Card and other related fees FNB Business Visa Cheque Card/Chip & PIN card replacement

R140

Home Introduction


Benefits

Credit-related fees


Overdrafts


Overdraft initiation fees

Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us

NCA clients monthly credit service fee Non-NCA clients monthly credit service fee

FEE

An overdraft initiation fee may be charged R68.40 0.114% of facility (min R68.40)

Business Term Loans and Business Revolving Loans Loan initiation fees NCA clients monthly credit service fee Non-NCA clients monthly credit service fee

A loan initiation fee will be charged R68.40

0.057% of facility (min R68.40)

Home

Cash Bundle

Introduction Benefits

This is a new cash depositing feature mainly for cash intensive customers where you can deposit a specific value of cash at branch and/or bulk cash centre for a fixed monthly fee.


Fees are charged as follows:


All deposits above R55 000 form part of the bundle and will be deducted from the monthly cash deposit bundle.


PRODUCT

BRANCH

BULK


Monthly Bundle Fee

R6 500

R5 250

R1 000 000

R1 000 000

R55 000

R55 000

Cash Bundle eWallet Pro fees

Monthly Bundle Value

Trust Accounts

All deposits below R55 000 will be charged as


Cash deposits less than


Minimum Fee

R45

R45


Base Fee

R10

R5

R1.95

R1.75


Fee per R100 or part thereof

All deposits that exceed the monthly cash deposit bundle will be charged as: Base Fee Fee per R100 or part thereof

R10

R5

R0.75

R0.60

Home

eWallet Pro fees6

Introduction TIER

Benefits

VOLUME

0 SPONSORED

1 SPONSORED

2 SPONSORED

TRANSACTIONS

TRANSACTIONS

TRANSACTIONS


1

1 – 30

R11.15

R19.70

R28.50


2

31 – 100

R10.50

R18.50

R25.90


3

101 – 250

R9.85

R17.25

R24.60


4

251 – 1 000

R8.05

R16.05

R23.45

5

1 001 +

R6.75

R14.80

R22.15


Reversal of incorrect eWallet Pro transaction

Cash Bundle eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account

Reversal of incorrect eWallet Pro transaction fee

R50

HOW TO CALCULATE YOUR EWALLET PRO FEES With eWallet Pro, you can sponsor up to two ATM withdrawals per payment for your recipients. Pricing is determined on a tiered basis, as per the table above, clients processing large numbers of transactions will enjoy discounted fees when their volumes increase. Billing takes place at the end of each month.

Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us

6

These rates are applicable to Online Banking Enterprise™ only.


Trust Accounts The Attorney’s Trust and General Trust accounts are only available to clients whose profession requires them to hold funds on behalf of a third party, such as attorneys, sheriffs of the court, accountants, debt collectors, estate agents and managing agents. They are required to hold a business account as well as a separate trust account to hold third party funds. These accounts are available on a Pay-As-You-Use pricing option, whereby you pay a monthly account fee and each transaction is charged for separately as per the table to follow.

Single Fee pricing options Pay-As-You-Use pricing option General transaction fees

Transactions not mentioned in the table below will be charged at the standard Pay-As-You-Use rate and general transaction fee rates as quoted in this guide.

Cash Bundle


eWallet Pro fees

Monthly fees

Trust Accounts

FNB Business Account monthly fee


Cheques issued

Islamic Business Account Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us

Cheque service fee (per cheque)

FEE

R52

R64.50

Cash withdrawals FNB branch and FNB Bulk Cash Centres Cash handling fee at FNB branch Value per withdrawal


Home Introduction


FEE

R0 – R4 999.99


R5 000 – R9 999.99


R10 000 – R14 999.99


R15 000 – R49 999.99



R50 000 and greater



Cash handling fee at FNB Bulk Cash Centres


General transaction fees Cash Bundle

Value per withdrawal R0 – R4 999.99


R5 000 – R9 999.99


R10 000 – R14 999.99



R15 000 – R49 999.99



R50 000 – R149 999.99



R150 000 and greater


eWallet Pro fees Trust Accounts



Foreign Exchange

Deposits


Cheque deposit at FNB branch (per deposit)

FEE

R26.75 + R2 per cheque (max R100)

Cash deposits FNB ATM with Deposits/Bulk Deposit Acceptor Cash deposit fee at FNB branch


Home Introduction Benefits Minimise your bank charges FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees


FEE

Minimum fee per deposit

R25

Fee based on value per deposit


Cash deposit fee at FNB Bulk Cash Centres Minimum fee per deposit

R25

Value per deposit R0 – R4 999.99


R5 000 – R9 999.99


R10 000 – R14 999.99


Trust Accounts

R15 000 – R49 999.99



R50 000 – R149 999.99



R150 000 and greater



Penalty fees



Inward unpaid fee

R120

Home Introduction Benefits


The FNB Practice Account is suited to Healthcare Practitioners that have a practice number. This Account provides a gateway to a holistic offering to meet the healthcare practitioners banking requirements, both personally and for their practice. It provides a flexible and simple way to conduct all business transactions and pay for day-to-day operations.

Minimise your bank charges FNB Business Account

You can choose between the Pay-As-You-Use (PAYU) pricing option or one of our two Single Fee pricing options.


PRACTICE ACCOUNT

Monthly fee Electronic debit transactions1

eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments

Cash deposited at FNB ATM with Deposits only

OPTION 1

OPTION 2

R265

R385





Electronic Pay & Clear Now

3 Free

Free Transactions


Business SuperSave Account Online Banking Foreign Exchange


Paypal PRACTICE ACCOUNT

FNB Business Credit Cards Important Information Terminology Contact us

Electronic debit transactions1 Electronic Pay & Clear Now Cash deposited at FNB ATM with Deposits only

1

OPTION 1

OPTION 2

R18

R17

R37.50

R37.50





Islamic Business Account FNB is proud to offer you a Shari’ah-compliant Islamic Business Account with similar features, pricing, rewards and benefits to a FNB Business Account.

Other Islamic Business product offerings include:


Islamic Term Deposit

Islamic Vehicle and Asset Finance

Islamic Commercial Property Finance

Earn a monthly profit share on your free Islamic linked Savings Account

General transaction fees Cash Bundle eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us

For more information, contact the Islamic Banking Service Suite on 087 578 6786.

Home Introduction Benefits Minimise your bank charges

Savings and Cash Investments Choose from a range of savings and cash investment solutions that cater for multiple business investment goals, including solutions that offer instant or quick access, access after placing notice, or access after a fixed term. Savings and cash investments, offer peace of mind as there is no risk given that capital and quoted returns are 100% guaranteed.

FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees

Access your money quickly

Money on Call7

Cash Bundle

These accounts are suited to businesses that require instant or quick access to their savings, while still having the flexibility to add money at any time.

Get instant access to your money in case of emergencies or unexpected expenses.

eWallet Pro fees Trust Accounts FNB Practice Account

Fees that apply to your accounts


MONEY ON CALL 7, CALL ACCOUNT 8, PRODUCT

Savings and Cash Investments Business SuperSave Account Online Banking

MARKET TRANSACTOR 8

Monthly account fee

Free

Monthly fee for card9

Free

Foreign Exchange Paypal FNB Business Credit Cards

Subscription fees (per month) Online Banking, Telephone Banking, Cellphone Banking, InContact Pro

Contact us

Free

Balance enquiries

Important Information Terminology

MONEY MARKET INVESTOR 8, MONEY

FNB ATM and Telephone Banking (IVR)

Free


R5.50

Other banks’ ATMs

R5.50

7

No new or replacement cards will be issued.

8

Not available for new sales

9


Home

MONEY ON CALL 7, CALL ACCOUNT 8,

Introduction

PRODUCT

MONEY MARKET INVESTOR 8, MONEY MARKET TRANSACTOR 8


Payments and transfers


Linked account transfers and electronic transfers

Free


Consultant-assisted transfers (FNB branch, Telephone Banking)

R65


Account payments


Electronic payments

R50

Cash Bundle

Consultant-assisted payments (FNB branch, Telephone Banking)

R65

eWallet Pro fees

Issue of bank cheques (per cheque)

Trust Accounts

Pay and Clear now


Cash withdrawals


FNB Slimline ATM (withdrawal limits may apply)


Other banks’ Mini-ATMs

Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards

FNB ATM Other banks’ ATMs International ATM cash withdrawals10 International branch cash withdrawals10 FNB branch


7


8

Not available for new sales.

10


R110 R95

R1.85 per R100 or part thereof R8 + R1.85 per R100 or part thereof R1.85 per R100 or part thereof R8 + R1.85 per R100 or part thereof R65 R1.90 per R100 or part thereof (min R60) Cheque service fee (min R50) + cash handling fee

Home


Introduction

PRODUCT



Cash handling fee at FNB branch value per withdrawal


R0 – R4 999.99



R5 000 – R14 999.99



R15 000 – R49 999.99


R50 000 and greater


General transaction fees Cash Bundle

Cheque deposits

eWallet Pro fees

Cheques deposited at FNB branch or FNB ATM with Deposits

R45 + R5 Per Cheque (max R100)

Trust Accounts

Cash deposits


Minimum value per deposit


R0 – R4 999.99



R5 000 – R14 999.99


R15 000 – R49 999.99


R50 000 and greater


FNB ATM with Deposits/Bulk Deposit Acceptor

R3.95+ R0.80 per R100 or part thereof

Business SuperSave Account Online Banking Foreign Exchange

Statements

Paypal FNB Business Credit Cards Important Information Terminology

R45

Mini-statements (FNB ATM and Cellphone Banking)

R3


R6.50

Provisional statement (FNB branch, Telephone Banking, per page)

Contact us

7


8


R15.50

Home


Introduction

PRODUCT



Other fees


Inward unpaid fee

R120


Deposit of post-dated cheque (per cheque)

R120


Effects not cleared upliftment fee


Special clearance fee


7


8


R100 per R10 000 or part thereof (min R500, max R5000) R115

Home

Access your money after placing notice

Access after a fixed period

Introduction

These accounts are suited to businesses that require access to their money after a notice period, while still having the flexibility to add money at any time.

These accounts are suited to businesses that only require access to their investment after a fixed period.

Benefits Minimise your bank charges FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option

Fixed Deposit 48 Hour Cash Accelerator Earn a great rate while getting quick access to your investment.

General transaction fees Cash Bundle eWallet Pro fees Trust Accounts

Flexi Fixed Deposit 7 Day Notice Access your money after seven days’ notice.

FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account

32 Day Flexi Notice Access your money after 32 days notice, at no cost or sooner at a cost.


An investment account with a fixed term, typically giving you a higher interest rate than investments available overnight or after notice.

32 Day Cash Intelligence Index This solution is ideal for investing larger sums of money. It tracks the daily performance of a portfolio of money market instruments in South African Rand. Access your investment after 32 days’ notice.

An investment with a fixed term, with the option of accessing a portion of your savings after 24 hours.

Home

Fees that apply to your accounts

Introduction Benefits Minimise your bank charges FNB Business Account

PRODUCT

Monthly account fee


Subscription fees


Online Banking, Telephone Banking, Cellphone Banking, inContact Pro

Cash Bundle

Balance enquiries

eWallet Pro fees Trust Accounts

FNB ATM and Telephone Banking (IVR)

48 HOUR CASH

7 DAY

ACCELERATOR

NOTICE

32 DAY

32 DAY

32 DAY CASH

FLEXI

FLEXI

INTEREST

INTELLIGENCE

FIXED

NOTICE

PLUS 11

INDEX

DEPOSIT

Free

Free

Free R5.50




Other banks’ ATMs

R5.50



Linked account transfers

Online Banking

Electronic transfers

As per terms and conditions

Foreign Exchange




11


FIXED DEPOSIT

Home Introduction

PRODUCT

48 HOUR CASH

7 DAY

ACCELERATOR

NOTICE

Benefits

32 DAY

32 DAY

32 DAY CASH

FLEXI

FLEXI

INTEREST

INTELLIGENCE

FIXED

NOTICE

PLUS 11

INDEX

DEPOSIT


Payments


Electronic payments

As per terms and conditions As per terms and conditions




Deposits


Cash Bundle eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange

Cheque deposits (FNB branch)

R45 + R5 per item (max R100)

-


Cheque deposits (FNB ATM)


-

Free


-

Free

R45

-

R45

R0 – R4 999.99


-


R5 000 – R14 999.99


-


FNB ATM with Deposits/ Bulk Deposit Acceptor Cash deposit fee at FNB branch Minimum fee per deposit Value per deposit


11


FIXED DEPOSIT

Home Introduction


FIXED

NOTICE

PLUS 11

INDEX

DEPOSIT


R50 000 and greater


-


Transaction history/detailed balance enquiry (Online Banking)


INTELLIGENCE

-

Cash Bundle


INTEREST


Statements


FLEXI

R15 000 – R49 999.99


Trust Accounts

FLEXI

NOTICE


eWallet Pro fees

32 DAY CASH

ACCELERATOR

PRODUCT


32 DAY

7 DAY


32 DAY

48 HOUR CASH

Free

R15.50

Provisional statement (FNB branch, Telephone Banking, per page) Other fees Early redemption fee


11


-

-


FIXED DEPOSIT

Home Introduction

32 DAY FLEXI NOTICE

Benefits

Withdrawal costs


Notice period (in days)


32 days


Withdrawal cost = % of withdrawal amount

Minimum withdrawal cost applicable

Free

22 – 31 days

0.5%

R50

15 – 21 days

1.0%

R50

8 – 14 days

2.0%

R50

1 – 7 days

3.0%

R50

Notice fees FNB branch and Telephone Banking (consultant assisted)

R65

Online Banking, FNB ATM, Cellphone Banking, FNB Banking App

Free

Home

Business SuperSave Account12

Introduction

For a minimal monthly fee, you receive the following:

Benefits

10

Minimise your bank charges FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees

10 free transactions per month if you have a balance of at least R8 000 in your Business SuperSave Account throughout the month. These transactions do not include cash deposits, cheque deposits, cash handling fees, special instructions or penalty fees.

Fees that apply to your account

Cash Bundle


eWallet Pro fees

Monthly account fee

Trust Accounts

Subscription fees


Online Banking, Telephone Banking, Cellphone Banking, InContact Pro


Balance enquiries


Free balance enquiries via Online Banking, FNB ATMs, Cellphone Banking and the FNB Banking App.

Other banks’ ATMs

FEE

R5.50

Free

R5.50

Cash withdrawals FNB branch


Cash handling fee at FNB branch Value per withdrawal R0 – R4 999.99


R5 000 – R14 999.99


R15 000 – R49 999.99


R50 000 and greater


12


Home Introduction


Benefits

Deposits


Cheque deposits


Cheques deposited at FNB branch or FNB ATM with Deposits


FEE

R45 + R5 Per Cheque (max R100)

Cash deposits FNB ATM with Deposits and FNB ATM with envelope deposit/Bulk Deposit Acceptor


Other fees Inward unpaid fee

R120

Deposit of post-dated cheque (per cheque)

R120

Effects not cleared upliftment fee

R100 per R10 000 or part thereof (min R500 , max R5 000)

Home Introduction

Online Banking


Online Banking EnterpriseTM


Online Banking EnterpriseTM is an Internet-based, sophisticated digital banking solution designed to meet the needs of medium and large businesses. You can use Online Banking EnterpriseTM to meet your business needs for:


•• Dual administration of your online profile that will eliminate risks of single level controls. •• Making your audit process as simple as making a payment with the new, exciting DocTrail™ functionality. •• Segregation of duties for users, capturers and authorisers. •• Setting how many authorisations are required to process financial transactions. •• Future dating and authorising financial transactions up to 12 months in advance. •• Real-time payments to recipients who bank with FNB. •• Same-day value for payments to all banks if authorised before cut-off times. •• Collections offering same-day, two-day or NAEDO service types. •• Referencing for all transactions to recipients. •• Payment notifications sent by fax, SMS or email. •• Verifying account ownership of your recipients across participating banks, in batch or real-time. •• Flexible statement options, including formats and delivery options. •• Sixty days’ transaction history on your FNB accounts. •• Customised user access to specific accounts. •• A multi-layered approach to security, including use of digital certificates. •• Event logs to monitor user activity online. •• SARS eFiling payments. •• Customisable billing to account level or to a nominated account. •• Discounting financial and non-financial transactions based on volumes processed, enabling cost efficiencies. •• Creating your own eWallet Pro contract, enabling the set up and payment to eWallet recipients in real-time.

Home

With Online Banking Enterprise™, you pay no monthly access fee and the first two users are free, thereafter you will pay:

Introduction

R50 per user for the next 10 users (3 – 12 users).

Benefits

Transacting is tiered – the more you transact, the cheaper it gets.

Minimise your bank charges FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees

ELECTRONIC THIRD-PARTY PAYMENTS TRANSACTION VOLUME TABLE

Financial transaction volumes – electronic third-party payments

Pricing per transaction (VAT incl)

Up to and including 30

R9.10

31 up to 250

R8.18

251 up to 1 000

R5.79

Trust Accounts

1 001 up to 10 000

R4.62


Greater than 10 000

R3.17



HOW TO CALCULATE YOUR FEES You will be charged R9.10 per transaction for the first 30 transactions, R8.18 per transaction for the next 220 transactions, R5.79 per transaction for the subsequent 750 transactions and so forth. For example, if you do 153 transactions in a month your calculation will be the sum of (R9.10 x 30) + (R8.18 x 123). Clients making large numbers of transactions will enjoy significant discounts as their volumes increase.

Home Introduction Benefits Minimise your bank charges FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle eWallet Pro fees Trust Accounts

TRANSFERS

FEE


R4

Pay & Clear Now (Online Banking and FNB branch, participating banks only) Payments under R5-million

R60

Payments over R5-million

R57

Payments under R5-million (Online Banking and FNB branch) (RTC participants)13

R45

Enquiry non-financials – transaction history enquiries, scheduled exports of transaction history, restoring of archived/ deleted batches, stop cheque enquiries, transaction detail search, search recipients payment history Transaction volumes per month Up to and including 30 Greater than 30

Pricing per transaction14 (VAT incl) Free R1.43

FNB Practice Account Islamic Business Account

HOW TO CALCULATE YOUR FEES


Your first 30 transactions will be free. Thereafter, you will be charged R1.43 per transaction. For example, if you do 1 153 transactions in a month your calculation will be the sum of (R0 x 30) + (R1.43 x 1 123).


13

Only for RTC participants – Absa, FirstRand Bank, Nedbank, Standard Bank SA, Capitec, Bidvest Bank, African Bank.

14

These fees are charged per transaction per band.

Home

Online Banking EnterpriseTM Bundle

Introduction

There are three bundle pricing options to choose from. With these options, you are charged a monthly fee upfront for your online banking transactions and do not have to monitor your transaction fees each month, but we ask that clients verify the transactions and costs on their statements.


Per-item billing will only commence once the stipulated limit has been reached. All transactions and their associated costs (where applicable) can be verified on your monthly statement.




Monthly Fee


Payments

Cash Bundle

Pay & Clear Now

eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us

OPTION 1

OPTION 2

OPTION 3

R1 650

R2 695

R4 450

150

300

600

10

10

15

Unlimited

Unlimited

Unlimited

100

150

200

R8.25

R7.95

R7.45

Pay & Clear Now

R37.50

R37.50

R37.50

Non-Financials

R1.90

R1.70

R1.50

Transfers Non-Financials

Items above the transaction threshold limits will be charged as follows Payments

OTHER TRANSACTION FEES PAYABLE

FEE

Monthly fees Collections modular fee

R541

Delivery mechanism of selected data by FTP or Xcom

R217

Cash management Cash management fee Cash management reports per scheduled export Notification of cash management structure change by SMS

R835 R17.10 R1.25

Home Introduction Benefits Minimise your bank charges FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle eWallet Pro fees


Notification of cash management structure change by email Target balancing transfer

FEE

R0.85 Service fee

Statements Emailing of current monthly statement (plus optional workable data files) Emailing and downloading of historical statements (older than 3 months, per statement)

Free R6.50

Scheduled exports of interim and final statements per account per month 15 minutes

R230

Hourly

R114

Daily

R53

Weekly

R24


Twice weekly

R14


Once-off set-up fee

Trust Accounts


Set-up fee

Free

Support and training fees User training On-site at client offices

Free

Charge per km

Free

Support fee (per client request only) Charge per hour

R690

Charge per km

R4.03

Home Introduction


FEE

Benefits

Data storage


Transaction history/statements, storage of transfers, unnominated, nominated payments and collection batches


Data storage modular fee – 60 days

Free

Data storage modular fee – 90, 120, 150 and 180 days (180 days only applicable to transaction history and statements, recommended to enhance access to information linked to your business)

R112


Other non-financial transactions Batch authorisation alert by SMS

R1.25

Batch authorisation alert by email

R0.85

Trust Accounts

Payment notification by SMS

R1.25


Scheduled payment alert by SMS

R1.25


Payment notification by email

R0.85


Scheduled payment alert by email

R0.85

Payment notification by fax

R6.35

Account verification (batch)

R3.67

Account verification (real-time)

R3.18

Account verification (notification by SMS)

R1.25

Account verification (notification by email)

R0.85

eWallet Pro fees


Other fees Reversal of processed EFT (successful or unsuccessful)

R281

Query of a disputed item

R281

Query fee per transaction older than 3 months

R111

Reactivation per administrator

R223

Stop payment instructions Deletion of stop payment for cheques

R5 R7.87



FEE

Stop debit order

R5

Cheque image per cheque

Free

Export of archived billing report (current month free)

R7.87

Download of detailed user report

R7.87


Import of user permissions


Accession document completion for additional account (linking existing profile per entry)


Letters to the embassies for VISA applications (letter issue Free if Foreign Exchange is purchased through FNB)

R30

Account Confirmation Letter

R10

Cash Bundle eWallet Pro fees Trust Accounts FNB Practice Account

R17.10 R154

Recipient maintenance done by Online Banking client support (adding, maintaining, deleting) Per recipient

R32

File upload

R488


Personal security key token/s issued (per token, excl delivery)

R154


Certificate (per issue)

Free

Annual certificate renewal fee

Free

Online Banking

Initiation of settlement limit changes (per request)

R125

Foreign Exchange

Client set-up


Paypal

Initial hierarchy set-up

R690


Hierarchy maintenance done by Online Banking client support


Special once-off client set-up request

R690

Subsequent hierarchy maintenance (per request)

R154


Home Introduction


Benefits

Profile maintenance done by Online Banking client support


First 5 users (per user)

FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us

FEE

R17.10

Next 10 users (6 – 15, per user)

R24

Next 15 users (16 – 30, per user)

R37

Each subsequent user (>30, per user)

R59

eWallet payments Once off

R13.50

Bulk payments

R13.50

Home

Online Banking for Business – Single Level Control

Introduction

Online Banking for Business is an Internet-based, sophisticated digital banking solution designed to meet the needs of small to medium businesses with the need for single-level control.

Benefits Minimise your bank charges FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us

You can use Online Banking for Business to meet your business needs for: •• Enhancing the security of Online Banking using a One Time PIN. •• Customised permissions to specific accounts for up to five users. •• Setting up and maintaining payment recipients online. •• Recurring payments to automatically pay recipients. •• Future dating and authorising financial transactions up to 12 months in advance. •• Real-time payments to recipients who bank with FNB. •• Pay & Clear Now payments (RTC) to recipients at participating banks. •• Same-day value for payments to all banks if authorised before cut-off times. •• Referencing for all transactions to recipients. •• Payment notifications sent by fax, SMS or email. •• Sixty days’ transaction history on your FNB accounts. •• Share investing online. •• Purchasing of prepaid airtime and electricity. •• SARS eFiling payments. •• Setting up of My Balance and My Limit Alerts. •• Managing your overdraft facility. Online Banking for Business is a simple, convenient and secure way of doing your banking, and your subscription is free.

This option caters for up to five users with customised permissions to specific accounts.

Home Introduction


Benefits

Financial transaction volumes – electronic third-party payments


Up to and including 30

R9.10

31 up to 250

R8.18

251 up to 1 000

R5.79

1 001 up to 10 000

R4.62

FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle eWallet Pro fees

Pricing per transaction (VAT incl)


Greater than 10 000

R3.17

Trust Accounts

HOW TO CALCULATE YOUR FEES


You will be charged R9.10 per transaction for the first 30 transactions, R8.18 per transaction for the next 220 transactions, R5.79 per transaction for the subsequent 750 transactions and so forth. For example, if you do 153 transactions in a month your calculation will be the sum of (R9.10 x 30) + (R8.18 x 123). Clients making large numbers of transactions will enjoy significant discounts as their volumes increase.


Home Introduction Benefits Minimise your bank charges FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange

TRANSFERS

FEE


R4

Pay & Clear Now (Online Banking and FNB branch, participating banks only) Payments under R5-million

R60

Payments over R5-million

R57

Payments under R5-million (Online Banking and FNB branch) (RTC participants)15

R45

Statements Emailing of current monthly statement (plus optional workable data files)

Free

Transaction history/detailed balance enquiry (Online Banking)

Free


R6.50

Stop payment instructions Online Banking

R5

Beneficiary notification of payments Email

R0.85

SMS

R1.25

Fax

R6.35


15

Only for RTC participants – Absa, FirstRand Bank, Nedbank, Standard Bank SA, Capitec, Bidvest Bank, African Bank.


Foreign Exchange Connect you and your business to the world FNB Business offers a range of Foreign Exchange solutions to suit your needs; whether you are travelling, sending or receiving money globally, managing imports and exports, or require specialised advice from an Exchange Control point of view. FNB Business makes it secure and convenient to transact around the world.


Sending and receiving money from abroad


•• Transact internationally with Global Payments from FNB. Whether you are purchasing products or paying for services from another country, we’ll simplify the process to make sure you have more time to manage your business. •• Transact and manage your Global Payments via Online Banking. Save beneficiaries, upload documents and view payment history online, making it easier for you to transact anywhere, anytime. •• Using the global SWIFT system, funds can be sent to or from your account from anywhere in the world securely and quickly. Global Payments are traceable from the time they leave your account. •• FNB’s Top-Up Service with PayPal allows you to top up funds to a PayPal account from a qualifying FNB account – you don’t need a credit card to shop online. •• FNB’s Withdraw Service with PayPal allows South Africans to withdraw funds from a PayPal account to any South African bank account.


Import and export solutions when transacting globally •• Get access to structured payment solutions that could protect you from foreign exchange rate fluctuations, sovereign performance, financial and delivery risks when importing and exporting. •• Some of our structured payment solutions and trade products when importing and exporting include: Documentary Credit (Letter of Credit), Foreign Bills for Collection, Foreign Guarantees, as well as Business Global Accounts (CFC) and Forward Exchange Contracts to assist with exchange rate fluctuations. •• Our Business Global Account (CFC account) is specifically designed for South African businesses which handle import and export transactions or are service providers receiving or making regular foreign currency payments. This account also offers hedging capabilities, which can help businesses manage currency risk.

Home Introduction

Foreign Exchange

Benefits Minimise your bank charges FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology

Travelling abroad for business or pleasure

Get rewarded

•• With Online Banking you can now order cash in the currency of the country you are travelling to, as well as a Multi-currency Cash PassportTM (prepaid travel card) in any of the four major currencies available on the card: US Dollars, Australian Dollars, Euros or Pounds. •• Top up your funds by reloading your existing Multicurrency Cash PassportTM online before you go, and you can even top up while travelling. •• Pay in advance for your travel arrangements such as hotel reservations, conferences or car hire with our Global Payments solution available via Online Banking. •• Your Omnibus Travel Facility allows individual representatives who are travelling for business purposes to travel using the business’ facility, thus eliminating the need to use the individual’s annual single discretionary allowance (which includes travel allowance) in their individual capacity. •• Did you know we can deliver your Foreign Exchange to you? Simply select delivery when you order foreign exchange online or if you prefer, you can collect from your nearest FNB branch.

•• Earn eBucks on transaction charges when you send or receive foreign currency payments online.16

For more information on our Foreign Exchange solutions, contact the Foreign Exchange Advisory Team on 0860 1 FOREX (36739) or visit .

Contact us

16

Subject to standard eBucks earn rules. Terms and conditions apply.

Home Introduction Benefits Minimise your bank charges FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle eWallet Pro fees

INTERNATIONAL PAYMENT SOLUTIONS

ONLINE BANKING

CALL CENTRE/BRANCH/ BANKER

0.55% (min R165, max R750)

0.58% (min R185, max R800)

Global Payments and Receipts (SWIFT) Global Payments (sending money) Commission17 SWIFT fee

R120

Global Receipts (receiving money) Commission17

0.55% (min R165 , max R750)

0.58% (min R185, max R800)

ONLINE BANKING

CALL CENTRE / BRANCH/BANKER

Transfer from Business Global Account to Rand Account

-

Free

Transfer from Rand Account to Business Global Account

-

Free

-

R1 800

Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information

OTHER SOLUTIONS

Business Global Accounts (CFC)

Exchange Control applications to the SARB Minimum fee (per application) Trade services


17

An additional fee of R150 will be charged if a payment is sent abroad or received from abroad in Rand.

Home Introduction Benefits Minimise your bank charges

OTHER SOLUTIONS

Foreign Guarantees, Foreign Bills for Collection, Letters of Credit, other trade services

ONLINE BANKING


-

Contact your Business Banker

ONLINE BANKING


FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option

INTERNATIONAL PAYMENT SOLUTIONS

Foreign cheques

General transaction fees Cash Bundle eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account

Drafts issued (bank cheque drawn in foreign currency to be deposited at an overseas bank) Commission

-

1.60% (min R265, max R1175)

Draft fee

-

R130

-

1.45% (min R265 , max R1 175)

Bills negotiable (foreign cheques received) Commission


TRAVEL SOLUTIONS

ONLINE BANKING

CALL CENTRE/BANKER

BRANCH

R80

R110

R200

Travel products bought from FNB

Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us

Multi-currency Cash Passport TM Initial card fee Additional card (optional) Commission (load or reload)

-

R55

1.90% (min R55)

2.00% (min R80)

2.10% (min R100)

2.00% (min R75)

2.10% (min R95)

2.20% (min R110)

Foreign notes Commission


TRAVEL SOLUTIONS

ONLINE BANKING

CALL CENTRE/BANKER

BRANCH

CMA notes (Lesotho, Namibia, Swaziland) Commission

3.40% (min R120)

Delivery R0.00 - R24 999.99

R225

R25 000+

Free

Pay-As-You-Use pricing option General transaction fees Cash Bundle eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us

Travel products sold to FNB Multi-currency Cash Passport TM Cash out (if credited to an FNB transactional account) Cash out (if paid out in cash or credited to any other account)

Free -

2.00% (min R80)

2.10% (min R100)

Foreign notes Commission

-

2.20% (min R110)

-

3.40% (min R120)

CMA notes (Lesotho, Namibia, Swaziland) Commission

Home Introduction

PayPal

Benefits

PayPal is a global payment service to receive payments and pay online for goods and services, without sharing financial information. It’s safe, easy to use, fast and more convenient than ever before.


Note: The 1.5% top-up and withdrawal commission will be replaced with the new tiered pricing structure.


PAYPAL PRODUCT

Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments

Express Checkout

Invoicing/ Request Payment

Subscription/ Billing Agreement

What’s new? FNB and PayPal introduced a tiered pricing structure to replace the current 1.5% charge on all FNB Top-Up and Withdraw transactions. This means you will be able to top-up or withdraw for as little as 0.8% depending on your previous month’s transactional value*. Here’s how the fee structure works:


FEES INCL. VAT

TOTAL MONTHLY TOP-UP AND WITHDRAW VALUE* 1.50%

0

1.50%

$ 0 - $3 000

1

1.35%

$ 3,001 - $10 000


2

1.25%

$ 10,001 - $50 000


3

1.00%

$ 50,001 - $100 000

Terminology

4

0.80%

$ 100,001

Foreign Exchange Paypal

TIER

Contact us Please note that the new structure applies specifically to FNB’s Top-Up and Withdrawal service with PayPal. The PayPal transactional charges and currency conversation fees will stay the same.

Home

WHAT IS THE FNB WITHDRAW SERVICE?

Introduction

It allows customers to withdraw funds received into a PayPal account to their FNB or any linked South African Rand bank account. For more information, contact the FNB PayPal helpdesk on 087 572 9725 and refer to www.PayPal.com for additional PayPal fees.

Benefits Minimise your bank charges FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle eWallet Pro fees

FNB Business Credit Cards A Business Credit Card is the ideal transactional mechanism that provides access to low-cost and flexible credit, in addition to many benefits to your business.

Trust Accounts

BUSINESS CREDIT CARD FEES


Black


Platinum

R89


Gold

R45

Lodge

R45

Petro Card

R35

BUSINESS CREDIT CARD BENEFITS

FEE

Credit card monthly rewards fee

Free

Comprehensive Global Travel Insurance

Free

Lost card protection

Free

InContact Pro (SMS or email)

Free

AA Emergency Roadside Assistance (Petro Card only)

Free

Cellphone Banking subscription

Free


FEE (PER MONTH)

R199

Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us

Home Introduction

CELLPHONE BANKING

FEE (PER TRANSACTION)

Balance enquiry fee (single account)

Free

Balance enquiry fee (all accounts)

Free

ACCOUNT FEES

FEE

FNB ATM balance enquiry

Free

Other banks’ ATMs balance enquiry

Free

Branch balance enquiry

Free

Cash Bundle

International balance enquiry

Free

eWallet Pro fees

Changes to account limits

Free

Benefits Minimise your bank charges FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees

Trust Accounts

Voucher retrieval


Local


International

Fee (per transaction) R99 R290


CREDIT LIMIT FEES

Clients with cheque or transactional accounts with FNB

FEE (PER MONTH)

0.25% p.m. of total limit

Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology

PAYMENTS AND PURCHASES

FEE

Credit card purchases (local)

Free

Fuel transaction fee (linked Petro Card only) International currency commission and conversion fee

Contact us

17

An additional fee of R140 will be charged if a payment is sent abroad or received from abroad in Rand.

18

Includes all financial institution branches and the purchase of Foreign Exchange.

R5 2.75% of transactional value


ELECTRONIC FUND TRANSFERS

Third-party payments (including IVR Smart payments) Inter-account transfers

R4 R65

Telephone Banking (consultant assisted)

R65

Pay2Cell fee


DEPOSITS

Cash Bundle

R9.10

Transfers and payments at FNB branch



FEE (PER TRANSACTION)

FNB branch or FNB ATM with envelope deposit

R4.25 FEE


FNB ATM with Deposits


CASH WITHDRAWALS

FEE

eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account

FNB Slimline ATM (withdrawal limits may apply) Other banks’ Mini-ATMs FNB ATM Other banks’ ATMs

R1.90 per R100 or part thereof R8 + FNB Mini-ATM fee R1.90 per R100 or part thereof R8 + FNB ATM fee

Online Banking

FNB branch18


Foreign Exchange

International branch and ATM cash withdrawals19


Budget withdrawals



Cash@Till Cardless cash fee

R1.40 R1.90 per R100 or part thereof


STATEMENT FEES

FEE

Current monthly email/posted statement

Free

Dual statement (email and posted)

R29

Mini-statement (FNB ATM, printed)

R5

FNB branch statement (printed)


Historical statements


Printed statements

Cash Bundle eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account

OTHER FEES

R5 per request + R1 per page thereafter (max R50)

R5 per request + R1 per page thereafter (max R50) FEE

Declined transaction fee

R8.50

Prepaid transaction fee

R2.30

LOTTO/PowerBall purchases

R2.30

Uncapped ADSL fee

R2.30

Send Money to an FNB e Wallet (R20 - R3 000) Reversal of incorrect “send money to an FNB eWallet” transaction

R10.95 R55

Online Banking

Card replacement fee (one free per year)

R140

Foreign Exchange

Card delivery to Home/Office

Free

Card delivery by appointment

R150

Card delivery to nearest FNB branch

R250


International Card delivery fee Section 129 Letter Should you require further information on Business Credit Cards, contact our help desk on 011 369 2832 or 087 575 9426/7.

As per courier quote R59.79

Home Introduction Benefits Minimise your bank charges FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle eWallet Pro fees Trust Accounts FNB Practice Account Islamic Business Account Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us


Standard Terminology

Remember the following points when deciding which of our solutions best suit your needs:

To comply with Section 13 of the Code of Banking Practice (COBP) and to assist you in comparing our charges with those of other banks, we have used standardised terminology throughout this guide. For instances where we have used FNB-specific terminology, we have added the table to follow indicating the appropriate standardised terminology that may be used by other banks.

•• 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 will give you at least 20 business days’ notice of these changes. You’ll find changes on FNB’s website or FNB ATMs, and/or on your bank statement. •• 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 we describe individually. The grant of any facility or product is subject to you meeting, and continuing to meet the criteria for that facility or product. •• Each facility or product has standard terms and conditions that apply to that facility or product. We agree to these terms and conditions with the applicant. If there is disagreement between the product or facility-specific terms and conditions and what is outlined in this pricing guide, we will 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 and are effective from 1 July 2017.

Home Introduction

Glossary of Terms

Benefits

FNB TERM (AS USED IN GUIDE)


Card purchase


Scheduled payment

Stop order to third party

Scheduled transfer

Stop order to one of your own accounts at the same bank

Single Fee pricing options Pay-As-You-Use pricing option General transaction fees

Payment honouring fee FNB electronic banking channels

Cash Bundle eWallet Pro fees Trust Accounts

Contact Us


For more information on our business banking solutions:


•• Contact your Business Banker and click on the •• Visit “For My Business” tab •• Call 0877 FNB 247 Terms, conditions and rules apply.

STANDARD TERMINOLOGY

Card transaction

A service fee charged for each payment honoured where there is not enough money in your transactional account Online Banking, Cellphone Banking, FNB ATMs, Telephone Banking Interactive Voice Response (IVR)