Cash Bundle. eWallet Pro fees. Trust Accounts. FNB Practice Account. Islamic Business Account. Savings and Cash Investme
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
Benefits Minimise your bank charges FNB Business Account
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
Benefits Minimise your bank charges FNB Business Account
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.
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
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
Single Fee pricing options
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
50 transactions which include a maximum of 10 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
R3.95 + R0.55 per R100 or part thereof
OPTION 1
OPTION 2
R415
R560
55 transactions which include a maximum of 10 FNB ATM cash withdrawals
80 transactions which include a maximum of 10 FNB ATM cash withdrawals
Free cash deposits up to R150 000 per month
Free cash deposits up to R250 000 per month
Pay-As-You-Use pricing option General transaction fees
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
POS Purchases Electronic Transfers Prepaid Purchases Balance Enquiries (POS)
Online Banking Foreign Exchange Paypal
Items above the transaction threshold limits will be charged as follows:
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
R3.95 + R0.55 per R100 or part thereof
R3.95 + R0.50 per R100 or part thereof
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
Pay-As-You-Use pricing option
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
General transaction fees
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
Savings and Cash Investments
Prepaid purchases – FNB electronic banking channels
Business SuperSave Account
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
TRANSACTION DESCRIPTION
Benefits
Inter-account transfers
Minimise your bank charges
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
General transaction fees
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.
Benefits Minimise your bank charges
TRANSACTION DESCRIPTION
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
TRANSACTION DESCRIPTION
Introduction Benefits
Balance alerts (per month)
Minimise your bank charges
Daily
FNB Business Account Single Fee pricing options
Cash Bundle eWallet Pro fees Trust Accounts
R15
Weekly
R3
Monthly
R1
Cash withdrawals
Pay-As-You-Use pricing option General transaction fees
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
FNB Practice Account
Other banks’ ATMs
Islamic Business Account
International ATM cash withdrawals5
Savings and Cash Investments
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
Important Information Terminology Contact us
R65
Cash handling fee at FNB branch
Foreign Exchange
FNB Business Credit Cards
R8 + R1.85 per R100 or part thereof
R0 – R4 999.99
R3.22 per R100 or part thereof
R5 000 – R14 999.99
R2.19 per R100 or part thereof
R15 000 – R49 999.99
R1.81 per R100 or part thereof
R50 000 and greater
R1.68 per R100 or part thereof
5
International currency commission and conversion fee of 2.75% of the transaction value applies.
Home Introduction
TRANSACTION DESCRIPTION
Benefits
Deposits
Minimise your bank charges
Cheque deposit at FNB branch (per deposit)
FNB Business Account Single Fee pricing options
Special clearance fee Effects not cleared upliftment fee
Pay-As-You-Use pricing option General transaction fees
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
FNB Practice Account
Cash deposits
Islamic Business Account
FNB ATM with Deposits/Bulk Deposit Acceptor
Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us
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
R8.40 + R3.09 per R100 or part thereof
R5 000 – R14 999.99
R8.40 + R1.66 per R100 or part thereof
R15 000 – R49 999.99
R8.40 + R1.55 per R100 or part thereof
R50 000 and greater
R8.40 + R1.31 per R100 or part thereof
Home Introduction
TRANSACTION DESCRIPTION
Benefits
Cash deposit fee at FNB Bulk Cash Centres
Minimise your bank charges
Minimum fee per deposit
FNB Business Account
Value per deposit
FEE
R45
Single Fee pricing options
R0 – R4 999.99
R5 + R2.84 per R100 or part thereof
Pay-As-You-Use pricing option
R5 000 – R14 999.99
R5 + R1.88 per R100 or part thereof
R15 000 – R49 999.99
R5 + R1.56 per R100 or part thereof
R50 000 and greater
R5 + R1.17 per R100 or part thereof
General transaction fees Cash Bundle eWallet Pro fees
Common Monetary Area (CMA) Cross-Border Receipt
R100 plus applicable Cash Deposit Fee
Islamic Business Account
BALANCE ENQUIRIES
FEE
Savings and Cash Investments
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
TRANSACTION DESCRIPTION
FEE
Benefits
Statements
Minimise your bank charges
Monthly statement (collected at FNB branch)
Free
FNB Business Account
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
Paypal FNB Business Credit Cards Important Information Terminology Contact us
Card and other related fees FNB Business Visa Cheque Card/Chip & PIN card replacement
R140
Home Introduction
TRANSACTION DESCRIPTION
Benefits
Credit-related fees
Minimise your bank charges
Overdrafts
FNB Business Account
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.
Minimise your bank charges
Fees are charged as follows:
FNB Business Account
All deposits above R55 000 form part of the bundle and will be deducted from the monthly cash deposit bundle.
Single Fee pricing options Pay-As-You-Use pricing option
PRODUCT
BRANCH
BULK
General transaction fees
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
FNB Practice Account
Cash deposits less than
Islamic Business Account
Minimum Fee
R45
R45
Savings and Cash Investments
Base Fee
R10
R5
R1.95
R1.75
Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us
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
Minimise your bank charges
1
1 – 30
R11.15
R19.70
R28.50
FNB Business Account
2
31 – 100
R10.50
R18.50
R25.90
Single Fee pricing options
3
101 – 250
R9.85
R17.25
R24.60
Pay-As-You-Use pricing option
4
251 – 1 000
R8.05
R16.05
R23.45
5
1 001 +
R6.75
R14.80
R22.15
General transaction fees
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.
Home Introduction Benefits Minimise your bank charges FNB Business Account
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
TRANSACTION DESCRIPTION
eWallet Pro fees
Monthly fees
Trust Accounts
FNB Business Account monthly fee
FNB Practice Account
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
Cheque service fee (min R25) + cash handling fee
Home Introduction
TRANSACTION DESCRIPTION
FEE
R0 – R4 999.99
R3.22 per R100 or part thereof
R5 000 – R9 999.99
R2.19 per R100 or part thereof
R10 000 – R14 999.99
R1.71 per R100 or part thereof
R15 000 – R49 999.99
R1.57 per R100 or part thereof
Single Fee pricing options
R50 000 and greater
R1.30 per R100 or part thereof
Pay-As-You-Use pricing option
Cash handling fee at FNB Bulk Cash Centres
Benefits Minimise your bank charges FNB Business Account
General transaction fees Cash Bundle
Value per withdrawal R0 – R4 999.99
R2.50 per R100 or part thereof
R5 000 – R9 999.99
R1.76 per R100 or part thereof
R10 000 – R14 999.99
R1.42 per R100 or part thereof
FNB Practice Account
R15 000 – R49 999.99
R1.25 per R100 or part thereof
Islamic Business Account
R50 000 – R149 999.99
R1.05 per R100 or part thereof
Savings and Cash Investments
R150 000 and greater
R0.92 per R100 or part thereof
eWallet Pro fees Trust Accounts
Business SuperSave Account Online Banking
TRANSACTION DESCRIPTION
Foreign Exchange
Deposits
Paypal FNB Business Credit Cards Important Information Terminology Contact us
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
R3.95 + R0.54 per R100 or part thereof
Home Introduction Benefits Minimise your bank charges FNB Business Account Single Fee pricing options Pay-As-You-Use pricing option General transaction fees
TRANSACTION DESCRIPTION
FEE
Minimum fee per deposit
R25
Fee based on value per deposit
R8.40 + R1.21 per R100 or part thereof
Cash deposit fee at FNB Bulk Cash Centres Minimum fee per deposit
R25
Value per deposit R0 – R4 999.99
R5 + R2.85 per R100 or part thereof
R5 000 – R9 999.99
R5 + R1.69 per R100 or part thereof
R10 000 – R14 999.99
R5 + R1.25 per R100 or part thereof
Trust Accounts
R15 000 – R49 999.99
R5 + R1.09 per R100 or part thereof
FNB Practice Account
R50 000 – R149 999.99
R5 + R0.92 per R100 or part thereof
Islamic Business Account
R150 000 and greater
R5 + R0.80 per R100 or part thereof
Savings and Cash Investments
Penalty fees
Cash Bundle eWallet Pro fees
Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us
Inward unpaid fee
R120
Home Introduction Benefits
FNB Practice Account
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.
Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle
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
30 transactions which include a maximum of 5 FNB ATM cash withdrawals
50 transactions which include a maximum of 10 FNB ATM cash withdrawals
Free cash deposits up to R50 000 per month
Free cash deposits up to R100 000 per month
Electronic Pay & Clear Now
3 Free
Free Transactions
POS Purchases Electronic Transfers Prepaid Purchases Balance Enquiries (POS)
Business SuperSave Account Online Banking Foreign Exchange
Items above the transaction threshold limits will be charged as follows:
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
R3.95 + R0.60 per R100 or part thereof
R3.95 + R0.55 per R100 or part thereof
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 Introduction Benefits Minimise your bank charges FNB Business Account
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:
Single Fee pricing options Pay-As-You-Use pricing option
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
Islamic Business Account
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
FNB branch and Telephone Banking (consultant assisted)
R5.50
Other banks’ ATMs
R5.50
7
No new or replacement cards will be issued.
8
Not available for new sales
9
No new or replacement cards will be issued.
Home
MONEY ON CALL 7, CALL ACCOUNT 8,
Introduction
PRODUCT
MONEY MARKET INVESTOR 8, MONEY MARKET TRANSACTOR 8
Benefits Minimise your bank charges
Payments and transfers
FNB Business Account
Linked account transfers and electronic transfers
Free
Single Fee pricing options
Consultant-assisted transfers (FNB branch, Telephone Banking)
R65
Pay-As-You-Use pricing option
Account payments
General transaction fees
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
FNB Practice Account
Cash withdrawals
Islamic Business Account
FNB Slimline ATM (withdrawal limits may apply)
Savings and Cash Investments
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
Important Information Terminology Contact us
7
No new or replacement cards will be issued.
8
Not available for new sales.
10
International currency commission and conversion fee of 2.75% of the transaction value applies.
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
MONEY ON CALL 7, CALL ACCOUNT 8,
Introduction
PRODUCT
MONEY MARKET INVESTOR 8, MONEY MARKET TRANSACTOR 8
Benefits Minimise your bank charges
Cash handling fee at FNB branch value per withdrawal
FNB Business Account
R0 – R4 999.99
R3.22 per R100 or part thereof
Single Fee pricing options
R5 000 – R14 999.99
R2.19 per R100 or part thereof
Pay-As-You-Use pricing option
R15 000 – R49 999.99
R1.81 per R100 or part thereof
R50 000 and greater
R1.68 per R100 or part thereof
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
FNB Practice Account
Minimum value per deposit
Islamic Business Account
R0 – R4 999.99
R8.40 + R3.09 per R100 or part thereof
Savings and Cash Investments
R5 000 – R14 999.99
R8.40 + R1.66 per R100 or part thereof
R15 000 – R49 999.99
R8.40 + R1.55 per R100 or part thereof
R50 000 and greater
R8.40 + R1.31 per R100 or part thereof
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
Emailing and downloading of historical statements (older than 3 months, per statement)
R6.50
Provisional statement (FNB branch, Telephone Banking, per page)
Contact us
7
No new or replacement cards will be issued.
8
Not available for new sales.
R15.50
Home
MONEY ON CALL 7, CALL ACCOUNT 8,
Introduction
PRODUCT
MONEY MARKET INVESTOR 8, MONEY MARKET TRANSACTOR 8
Benefits Minimise your bank charges
Other fees
FNB Business Account
Inward unpaid fee
R120
Single Fee pricing options
Deposit of post-dated cheque (per cheque)
R120
Pay-As-You-Use pricing option
Effects not cleared upliftment fee
General transaction fees
Special clearance fee
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
7
No new or replacement cards will be issued.
8
Not available for new sales.
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.
Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us
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
Single Fee pricing options
Subscription fees
Pay-As-You-Use pricing option General transaction 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
Islamic Business Account
FNB branch and Telephone Banking (consultant assisted)
Savings and Cash Investments
Other banks’ ATMs
R5.50
FNB Practice Account
Business SuperSave Account
Linked account transfers
Online Banking
Electronic transfers
As per terms and conditions
Foreign Exchange
FNB branch and Telephone Banking (consultant assisted)
As per terms and conditions
Paypal FNB Business Credit Cards Important Information Terminology Contact us
11
Not available for new sales
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
Minimise your bank charges
Payments
FNB Business Account
Electronic payments
As per terms and conditions As per terms and conditions
Pay-As-You-Use pricing option
FNB branch and Telephone Banking (consultant assisted)
General transaction fees
Deposits
Single Fee pricing options
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)
-
R45 + R5 per item (max R100)
Cheque deposits (FNB ATM)
R45 + R5 per item (max R100)
-
Free
R3.95 + R0.80 per R100 or part thereof
-
Free
R45
-
R45
R0 – R4 999.99
R8.40 + R3.09 per R100 or part thereof
-
R8.40 + R3.09 per R100 or part thereof
R5 000 – R14 999.99
R8.40 + R1.66 per R100 or part thereof
-
R8.40 + R1.66 per R100 or part thereof
FNB ATM with Deposits/ Bulk Deposit Acceptor Cash deposit fee at FNB branch Minimum fee per deposit Value per deposit
Paypal FNB Business Credit Cards Important Information Terminology Contact us
11
Not available for new sales
FIXED DEPOSIT
Home Introduction
Business SuperSave Account
FIXED
NOTICE
PLUS 11
INDEX
DEPOSIT
R8.40 + R1.55 per R100 or part thereof
R50 000 and greater
R8.40 + R1.31 per R100 or part thereof
-
R8.40 + R1.31 per R100 or part thereof
Transaction history/detailed balance enquiry (Online Banking)
Savings and Cash Investments
INTELLIGENCE
-
Cash Bundle
Islamic Business Account
INTEREST
R8.40 + R1.55 per R100 or part thereof
Statements
FNB Practice Account
FLEXI
R15 000 – R49 999.99
General transaction fees
Trust Accounts
FLEXI
NOTICE
Pay-As-You-Use pricing option
eWallet Pro fees
32 DAY CASH
ACCELERATOR
PRODUCT
FNB Business Account Single Fee pricing options
32 DAY
7 DAY
Benefits Minimise your bank charges
32 DAY
48 HOUR CASH
Free
R15.50
Provisional statement (FNB branch, Telephone Banking, per page) Other fees Early redemption fee
Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us
11
Not available for new sales
-
-
As per terms and conditions
FIXED DEPOSIT
Home Introduction
32 DAY FLEXI NOTICE
Benefits
Withdrawal costs
Minimise your bank charges
Notice period (in days)
FNB Business Account
32 days
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
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
TRANSACTION DESCRIPTION
eWallet Pro fees
Monthly account fee
Trust Accounts
Subscription fees
FNB Practice Account
Online Banking, Telephone Banking, Cellphone Banking, InContact Pro
Islamic Business Account
Balance enquiries
Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us
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
Cheque service fee (min R50) + cash handling fee
Cash handling fee at FNB branch Value per withdrawal R0 – R4 999.99
R3.22 per R100 or part thereof
R5 000 – R14 999.99
R2.19 per R100 or part thereof
R15 000 – R49 999.99
R1.81 per R100 or part thereof
R50 000 and greater
R1.68 per R100 or part thereof
12
Not available for new sales
Home Introduction
TRANSACTION DESCRIPTION
Benefits
Deposits
Minimise your bank charges
Cheque deposits
FNB Business Account
Cheques deposited at FNB branch or FNB ATM with Deposits
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
R45 + R5 Per Cheque (max R100)
Cash deposits FNB ATM with Deposits and FNB ATM with envelope deposit/Bulk Deposit Acceptor
R5.50 + R1.35 per R100 or part thereof
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
Benefits Minimise your bank charges
Online Banking EnterpriseTM
FNB Business Account
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:
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
•• 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
FNB Practice Account
Greater than 10 000
R3.17
Cash Bundle eWallet Pro fees
Islamic Business Account Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us
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
Electronic transfers
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
Savings and Cash Investments
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).
Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us
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.
Benefits Minimise your bank charges FNB Business Account
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.
Single Fee pricing options
TRANSACTION DESCRIPTION
Pay-As-You-Use pricing option
Monthly Fee
General transaction fees
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
OTHER TRANSACTION FEES PAYABLE
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
FNB Practice Account
Twice weekly
R14
Islamic Business Account
Once-off set-up fee
Trust Accounts
Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us
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
OTHER TRANSACTION FEES PAYABLE
FEE
Benefits
Data storage
Minimise your bank charges
Transaction history/statements, storage of transfers, unnominated, nominated payments and collection batches
FNB Business Account
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
Single Fee pricing options Pay-As-You-Use pricing option General transaction fees Cash Bundle
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
FNB Practice Account
Scheduled payment alert by SMS
R1.25
Islamic Business Account
Payment notification by email
R0.85
Savings and Cash Investments
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
Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us
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
Home Introduction Benefits Minimise your bank charges FNB Business Account
OTHER TRANSACTION FEES PAYABLE
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
Single Fee pricing options
Import of user permissions
Pay-As-You-Use pricing option
Accession document completion for additional account (linking existing profile per entry)
General transaction fees
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
Islamic Business Account
Personal security key token/s issued (per token, excl delivery)
R154
Savings and Cash Investments
Certificate (per issue)
Free
Annual certificate renewal fee
Free
Online Banking
Initiation of settlement limit changes (per request)
R125
Foreign Exchange
Client set-up
Business SuperSave Account
Paypal
Initial hierarchy set-up
R690
FNB Business Credit Cards
Hierarchy maintenance done by Online Banking client support
Important Information
Special once-off client set-up request
R690
Subsequent hierarchy maintenance (per request)
R154
Terminology Contact us
Home Introduction
OTHER TRANSACTION FEES PAYABLE
Benefits
Profile maintenance done by Online Banking client support
Minimise your bank charges
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
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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
ELECTRONIC THIRD-PARTY PAYMENTS TRANSACTION VOLUME TABLE
Benefits
Financial transaction volumes – electronic third-party payments
Minimise your bank charges
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)
ELECTRONIC THIRD-PARTY PAYMENTS TRANSACTION VOLUME TABLE
Greater than 10 000
R3.17
Trust Accounts
HOW TO CALCULATE YOUR FEES
FNB Practice Account
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.
Islamic Business Account Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us
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
Electronic transfers
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
Emailing and downloading of historical statements (older than 3 months, per statement)
R6.50
Stop payment instructions Online Banking
R5
Beneficiary notification of payments Email
R0.85
SMS
R1.25
Fax
R6.35
Paypal FNB Business Credit Cards Important Information Terminology Contact us
15
Only for RTC participants – Absa, FirstRand Bank, Nedbank, Standard Bank SA, Capitec, Bidvest Bank, African Bank.
Home Introduction Benefits Minimise your bank charges FNB Business Account Single Fee pricing options
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.
Pay-As-You-Use pricing option
Sending and receiving money from abroad
General transaction fees
•• 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.
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
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.
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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
Terminology Contact us
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
CALL CENTRE / BRANCH/BANKER
-
Contact your Business Banker
ONLINE BANKING
CALL CENTRE / BRANCH/BANKER
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
Savings and Cash Investments Business SuperSave Account Online Banking
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
Home Introduction Benefits Minimise your bank charges FNB Business Account Single Fee pricing options
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.
Minimise your bank charges
Note: The 1.5% top-up and withdrawal commission will be replaced with the new tiered pricing structure.
FNB Business Account
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:
Business SuperSave Account Online Banking
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
FNB Business Credit Cards
2
1.25%
$ 10,001 - $50 000
Important Information
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.
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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
FNB Practice Account
Black
Islamic Business Account
Platinum
R89
Savings and Cash Investments
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
Business SuperSave Account Online Banking
FEE (PER MONTH)
R199
Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us
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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
FNB Practice Account
Local
Islamic Business Account
International
Fee (per transaction) R99 R290
Savings and Cash Investments Business SuperSave Account Online Banking
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
Home Introduction Benefits Minimise your bank charges FNB Business Account
ELECTRONIC FUND TRANSFERS
Third-party payments (including IVR Smart payments) Inter-account transfers
R4 R65
Telephone Banking (consultant assisted)
R65
Pay2Cell fee
Pay-As-You-Use pricing option
DEPOSITS
Cash Bundle
R9.10
Transfers and payments at FNB branch
Single Fee pricing options
General transaction fees
FEE (PER TRANSACTION)
FNB branch or FNB ATM with envelope deposit
R4.25 FEE
R60 + R1.90 per R100 or part thereof
FNB ATM with Deposits
R3.80 + R0.80 per R100 or part thereof
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
R60 + R1.90 per R100 or part thereof
Foreign Exchange
International branch and ATM cash withdrawals19
R60 + R1.90 per R100 or part thereof
Budget withdrawals
R60 + R2.75 per R100 or part thereof
Paypal FNB Business Credit Cards Important Information Terminology Contact us
Cash@Till Cardless cash fee
R1.40 R1.90 per R100 or part thereof
Home Introduction Benefits Minimise your bank charges FNB Business Account
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)
Single Fee pricing options Pay-As-You-Use pricing option
Historical statements
General transaction fees
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
Paypal FNB Business Credit Cards Important Information Terminology Contact us
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
Important Information
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)
Minimise your bank charges
Card purchase
FNB Business Account
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
FNB Practice Account
For more information on our business banking solutions:
Islamic Business Account Savings and Cash Investments Business SuperSave Account Online Banking Foreign Exchange Paypal FNB Business Credit Cards Important Information Terminology Contact us
•• 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)