We can help you

make your money go

even further. Zero
increase on monthly
account fee.

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FNB Gold Pricing Guide

1 July 2020 – 30 June 2021

Terms, conditions and rules apply.

.
An Authorised Financial Services and Credit Provider (NCRCP20). FSP 3071
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Option overview General fees Retirement solution

Credit card Global account Important information

Contact us

FNB Gold Pricing Guide

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1 July 2020 – 30 June 2021
 Our golden solutions

R89 p.m. R109 p.m.

FNB Fusion Gold FNB Gold Unlimited

FNB Fusion Gold only:

Decrease in monthly account fee from
R109 to R89 p.m.

Up 30 days interest-free on card purchases

You can use your credit facility for free up to R200

and only get charged a service fee of R69 when you
spend R200 or more from 1 July 2020

Earn up to 100% of your monthly account fee back in

cash when you have an FNB Fusion Gold account and
all your personal loan debt with FNB

Get up to 1GB data, 30 voice minutes and 30 SMSs on

your FNB Connect SIM depending on your reward level

We are also proud to offer you an FNB Islamic Gold Account, with similar value-adds, reward benefits and pricing
as a FNB Gold Account. With Islamic banking, you earn a competitive monthly profit share on your free Islamic
savings account. For more information, contact the Islamic banking suite on 087 578 6786.

FNB Gold Pricing Guide

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1 July 2020 – 30 June 2021
 Our golden solutions

R89 p.m. R109 p.m.

FNB Fusion Gold FNB Gold Unlimited

Savings, investments and Day-to-day banking: Even more rewards:

discounts: Free Cash@Till® withdrawals up to FREE 300MB data, 30 voice minutes,
R3 000 per month 30 SMSs on your FNB Connect SIM
Get a free savings account that offers a depending on your reward level
competitive interest rate Free airtime and data purchases on all
digital channels Free membership to the eBucks
Bank Your Change® lets you save with
Rewards programme
every swipe Unlimited free card swipes
Inclusive Family Banking with R30 off Earn up to 40% back in eBucks on your
Free FNB ATM Cash Withdrawals up to
Spouse’s bank fee Netflix and Spotify® subscriptions
R3 000 per month (Family benefit)
(including cardless cash)
No monthly fee on your Tax-Free Cash
Deposit or Tax-Free Shares account Earn additional eBucks with Smart Spend
Free Cash Deposits at FNB ATM up to
when you use your FNB Fusion Gold Card
R3 000 per month
No monthly admin fees on your FNB or FNB Pay for your monthly spend
Tax-Free Unit Trust 2 FREE eWallet sends on the FNB App
Earn up to 15% back in eBucks on health
No monthly (platform) fee on your No data costs when you bank on the FNB App and beauty at Clicks
Retirement Annuity
Free electronic payments Earn and spend eBucks on food orders
No monthly (platform) fee on your with the Mr D Food App
Access to a dedicated service suite 087 575
Preservation Fund
4653 to help manage your money Enjoy 2-for-1 discounted offers on
The ENTERTAINER
Get real-time help anytime day or night via
Secure Chat® on the FNB App

FNB Gold Pricing Guide

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1 July 2020 – 30 June 2021
 Product comparison

General fees
Account fees
R109 for Gold Unlimited
Monthly account fee
R89 for Fusion Gold

R79 for Gold Unlimited

Monthly account fee Spouse1
R59 for Fusion Gold

Cash withdrawals2 R2.00 per R100

A combination of R3 000 per month, after
which fees listed on the right apply
Cash@Till® Free

Cash deposits at FNB ATM (with deposits) R3 000 per month3

Free prepaid airtime

Prepaid airtime and data purchases purchases via the FNB App or
online banking

Online, cellphone banking and inContact subscriptions Free

inContact notifications Free

Pay with your card Free

Mobile and eChannel transfers Free

Mobile and eChannel payments Free

Internal and external debit orders Free

1
FNB Gold Cheque Account and FNB Fusion Gold Account products are available to a gold customer’s spouse/partner.
2
Includes FNB ATM, Cardless and Slimline withdrawals.
3
Thereafter R1.10 per R100.

FNB Gold Pricing Guide

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1 July 2020 – 30 June 2021
 Product comparison

General fees
Petrol card

Petrol card linked to a FNB Gold Cheque Account or a FNB Fusion Gold Account - monthly fee* R20

Card purchases

Commission and currency conversion fee on international card purchases 2.75% of transaction value

Petrol card fuel purchases R5.75

Cash withdrawals

Other banks’ ATMs R10.00 + R2.00 per R100

FNB Branch/Cheque R80 + R2.50 per R100

International ATM (Additional 2.75% commission and conversion fee applies) R80

International Branch (Additional 2.75% commission and conversion fee applies) R80 + R2.50 per R100

Deposits

Cash deposit at FNB Branch R80 + R2.50per R100

R60 + R11 per cheque

Cheque deposit at FNB Branch and ATM
(Max. R150)

ENC upliftment fee R335

Special clearance fee R335

* Can be linked to the FNB Fusion Gold Account or the FNB Gold Cheque Account

FNB Gold Pricing Guide

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1 July 2020 – 30 June 2021
 Product comparison

General fees
Linked account transfers

FNB Branch or telephone banking (consultant assisted) R80

Online or mobile channels Free

Payments

FNB Branch or telephone banking (consultant assisted) R80

Bank cheque R140

Online or mobile channels Free

Cheque payments* R150

Debit order management

Stop payment – digital channels Free

Stop payment – telephone banking (consultant assisted) R26

Stop payment – branch R80

Debit order dispute – FNB App and online banking R5

Debit order dispute – telephone banking (consultant assisted) R40

Debit order dispute – branch (consultant assisted) R40

* Cheque book related fees are not applicable to FNB Fusion Gold Account.

FNB Gold Pricing Guide

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1 July 2020 – 30 June 2021
 Product comparison

General fees
Scheduled payment (establishment and amendment)

Online Free

Consultant assisted R18

Prepaid airtime and data purchases

Other banks’ ATMs R15

FNB Connect airtime using eChannels and mobile channels Free

Transactions between R0.01 – R10 R0.50

Prepaid airtime transaction
fee (FNB ATM and Transactions between R10.01 – R25 R1.00
cellphone banking)
Transactions greater than R25 R2.00

Balance enquiries

Using mobile and eChannels Free

Point-of-sale R1.75

Other banks’ ATMs, international point-of-sale, branch or telephone banking (consultant assisted) R7.30

FNB Gold Pricing Guide

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1 July 2020 – 30 June 2021
 Product comparison

General fees
Statements

Current month statement Free

Cellphone banking mini-statement Free

FNB ATM transaction list R3.60

Posted statement R26 (per statement)

Historical statements – online banking (downloads/view/email) Free

Emailing of statements – FNB Branch and telephone banking R40 (per statement)

Printing of statements – ATM with deposit facilities R3.75 (per page)

Printing of statements – FNB Branch and telephone banking R40 (per statement)

Interim/Provisional statements R18.20 (per page)

Digi-zone statement R25 (per statement)

FNB Gold Pricing Guide

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1 July 2020 – 30 June 2021
 Product comparison

General fees
Unsuccessful transactions (insufficient funds)

FNB ATM Free

Point-of-sale, scheduled payment and other banks’ ATMs R8.50

R30 per R100

Item paid – insufficient funds4
(Max R150.00)

3 – Free
Item unpaid – insufficient funds5 4th/5th – R25, thereafter
R110

Card related fees

Card replacement fee R120

Courier delivery Free

Branch delivery Free

International delivery R700

Urgent delivery R250

A service fee is charged for each payment honoured where there is not enough money in your transactional account.
4

A service fee is charged for each payment honoured where there is not enough money in your transactional account. Counter applies over 12-month period, starting 1 July 2020. Counter carries over upon any
5

product changes

FNB Gold Pricing Guide

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1 July 2020 – 30 June 2021
 Product comparison

General fees
Credit fees

Overdraft initiation fee (once-off) Free

FNB Revolving Facility initiation fee (once-off) R1556

Overdrafts monthly fee (agreements before 6 May 2016) (only pay when you use R200 or more of
R57.50
your Overdraft)

FNB Fusion Gold credit facility R69

FNB Revolving Facility monthly fee

R57.506
(applies to NCA clients with credit agreements between 1 June 2007 and 6 May 2016)

Overdrafts monthly fee (agreements since 6 May 2016) (only pay when you use R200 or more of
R69
your Overdraft)

FNB Revolving Facility monthly fee (agreements since 6 May 2016) R696

Cheque book fees

Pocket 40 Form* R90

Copies of vouchers (deposit slips and cheques)

Online banking Free

Branch and telephone banking (consultant assisted) R80

* Cheque book related fees are not applicable to FNB Fusion Gold Account.
6
Revolving facility fees are applicable to clients who have revolving loans.

FNB Gold Pricing Guide

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1 July 2020 – 30 June 2021
 Product comparison

General fees
Convenience and value-added services

LOTTO™/Powerball, PayTV prepaid, electricity R2.70

DStv payments R7

iTunes, traffic fines R2.60

Pay & clear now R45

R100 plus applicable

Common Monetary Area (CMA) cross-border receipt
Cash Deposit Fee

Account confirmation letter – online banking and FNB App Free

Additional statements (fee per month)

Daily R61

Online Weekly R29

Twice-monthly R16.10

Daily R128

Paper Weekly R53

Twice-monthly R26

FNB Gold Pricing Guide

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1 July 2020 – 30 June 2021
 Product comparison

General fees
Electronic subscriptions services (fee per month)

My limit alert R3.15

Scheduled payment alert R3.15

Balance alert (fee per month)

Monthly R1.15

Weekly R3.20

Daily R15.50

Payment notifications

Email R0.95

SMS R0.40

Fax R8

Other fees

Cheque book courier* R310

Online banking account verification (FNB accounts and other banks’ accounts) R7

Online banking payment history (older than 3 months) R7

* Cheque book related fees are not applicable to FNB Fusion Gold Account.

FNB Gold Pricing Guide

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1 July 2020 – 30 June 2021
 Product comparison

General fees
eWallet

Fees for sender

Send money from FNB Account to eWallet R2 + R2 per R100

Reversal of incorrect ‘send money to eWallet’ transaction – telephone/branch R55

Reversal of incorrect ‘send money to eWallet’ transaction – cellphone banking R15

Fees for recipient

Monthly account fee Free

1 free withdrawal for each payment

Withdraw cash from an FNB ATM, FNB Mini ATM or participating retailers
received (limited to Max. 4 at any time)7

Purchases at participating retailers Free

Transactions between R0.01 – R10 R0.50

Prepaid airtime transaction
fee (FNB ATM and Transactions between R10.01 – R25 R1.00
cellphone banking)
Transactions greater than R25 R2.00

Electricity R2.70

Inactivity fee per month (after 6 months of inactivity) R4.95

Transfer from your eWallet to your FNB Account Free

Home Finance

Application for new home loan monthly service fee R69

Application for new home loan once-off initiation fee R6 037.50

These fees are in accordance with the National Credit Act 34 of 2005 as applicable to your Home Loan Agreement.
The fees quoted are VAT inclusive.

FNB Gold Pricing Guide

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1 July 2020 – 30 June 2021
 Product comparison

General fees
MoneyGram8

Send amount (USD) Send fee (USD)

$0 - $50 $7

$50 - $100 $10

$100 - $150 $11

$150 - $200 $13

$200 - $250 $15

$250 - $300 $17

$300 - $400 $19

$400 - $500 $24

$500 - $600 $29

$600 - $700 $34

$700 - $800 $39

8
MoneyGram fees exclude VAT.

FNB Gold Pricing Guide

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1 July 2020 – 30 June 2021
 Product comparison

General fees
MoneyGram8

Send amount (USD) Send fee (USD)

$800 - $900 $44

$900 - $1 000 $49

$1 000 - $1 200 $55

$1 200 - $1 500 $63

$1 500 - $1 800 $70

$1 800 - $2 500 $90

$2 500 - $5 000 $140

$5 000 - $7 500 $240

$7 500 - $8 000 $290

8
MoneyGram fees exclude VAT.

FNB Gold Pricing Guide

Page 16 of 30 Contact us
1 July 2020 – 30 June 2021
 Product comparison

Retirement solution
FNB understands that life changes as you retire. We are here to help as you venture into
this new life stage. Retired individuals can now share in the benefits of a solution designed
specifically to cater for your unique needs, post retirement.

Get more with our retirement solution

• Enjoy all the value that being a Gold client brings together with additional benefits that retirement brings.
• As an FNB Gold client, if you invest R150,000 you will get 50% off your monthly transactional account fee
or invest R250,000 and get 100% off.

More Value - Less Fees

Get more More rewards More help

Earn preferential rates on your Fixed

Advice session to ensure you are
Deposits Double* investment eBucks points
on track

Protect your money with an FNB Living

Annuity or Endowment

Discounted estate administration fee

*All other transactional pricing is aligned to that outlined in this guide.

Terms, conditions and rules apply.

FNB Gold Pricing Guide

Page 17 of 30 Contact us
1 July 2020 – 30 June 2021
 FNB Gold Credit Card
Your FNB Gold Credit Card Account offers you a
credit facility account as well as a transactional
account which is linked to a single credit card.

FNB Gold Pricing Guide

Page 18 of 30 Contact us
1 July 2020 – 30 June 2021
 Credit Card benefits

Unlimited free card swipes Access to exclusive

FNB offers
Personalised and competitive from retailers, such as iStore, The Pro Shop
interest rates and Cycle Lab.
based on your personal risk profile.
Free Comprehensive Global
Earn eBucks rewards Travel Insurance
on your credit card purchases. covering you locally and internationally when
you buy your return travel ticket(s) using your
Access to a budget facility FNB Gold Credit Card for flights and/or
with repayment periods from 6 - 60 months road travel.
for purchases over R200 or more.
Free Automatic Debt
The option for FNB to move Protection
your unexpected medical transactions to
budget, over 6 months, at a promotional
interest rate of prime.

FNB Gold Pricing Guide

Page 19 of 30 Contact us
1 July 2020 – 30 June 2021
 Credit card benefits

Credit card fees

Credit facility fees

Credit facility service fee R17

Initiation fee (once-off) Up to a maximum of R175

Credit card account fees

Credit Card monthly account fee R34

Additional card fee R17.50

Linked FNB Petro Card (per card linked to account) R21

Purchases

FNB Credit Card purchases Free

FNB Credit Card budget purchases Free

Fuel transaction fee (FNB Petro Cards only) R5.75

Credit Facility Service Fee is the cost charged monthly for the routine administration of maintaining your credit facility.
Credit Card Monthly Account Fee is the cost charged monthly for the administration and maintenance of your credit card.

FNB Gold Pricing Guide

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1 July 2020 – 30 June 2021
 Credit card benefits

Credit card fees

Cash withdrawal fees

FNB ATM R2 per R100

Other banks’ ATMs and mini ATMs R10.00 + FNB ATM Fee

FNB mini ATM R2 per R100

Branch (includes all financial institution branches and the purchase of foreign exchange) R80 + R2.50 per R100

Cash on budget R80 + R2.85 per R100

International (ATM and branch)9 R80 + R2.50 per R100

Cash@Till® Free

Deposits

FNB ATM with Automated Deposit Terminal (ADT) R1.10 per R100

FNB Branch and FNB ATM with envelope deposits R80 + R2.50 per R100

9
This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATM’s charge an additional surcharge.

FNB Gold Pricing Guide

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1 July 2020 – 30 June 2021
 Credit card benefits

Credit card fees

Linked account transfers and account payments

IVR Smart Transfer to FNB Free

Linked account transfers Free

Third party payments R9.00

Telephone banking (consultant assisted) R80

Transfers and payments at FNB Branch R80

Voucher Retrieval Requests

Local R105

International R295

FNB Gold Pricing Guide

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1 July 2020 – 30 June 2021
 Credit card benefits

Credit card fees

Card related fees

Declined transaction fee R9.50

Courier delivery Free

Urgent delivery R250

Branch delivery Free

International card delivery R700

Credit card monthly rewards fee Free

One free replacement

Card replacement fee per year, thereafter
R120 per card

FNB Gold Pricing Guide

Page 23 of 30 Contact us
1 July 2020 – 30 June 2021
 Credit card benefits

Credit card fees

Convenience fees

Cardless cash withdrawal R2.00 per R100

Pay2Cell R8.50

LOTTO™/Powerball Purchase 10 R2.70

Transactions between R0.01 – R10 R0.50

Prepaid airtime transaction fee (FNB ATM and Transactions between R10.01 – R25 R1.00
cellphone banking) Transactions between R25.01 – R40 R1.50

Transactions greater than R40 R2.00

Prepaid airtime transaction fee (FNB App and Online) Free

Uncapped ADSL fee R2.50

Prepaid electricity R2.70

PayTV prepaid purchase R2.70

10
LOTTO™ is not available for Islamic accounts.

FNB Gold Pricing Guide

Page 24 of 30 Contact us
1 July 2020 – 30 June 2021
 FNB Global Account
Bespoke solutions to save and transact globally.

FNB Premier offers you a FNB Global Account to save and transact in foreign currency. Whether
you are saving for offshore travel, require quick access to manage currency risk or are receiving and
making international payments occasionally - the global account is the ideal choice.

FNB Gold Pricing Guide

Page 25 of 30 Contact us
1 July 2020 – 30 June 2021
 FNB Global Account
Other fees GBP USD EUR

Annual card fee £15 $20 €17

Card swipes and international online card payments Free

International ATM withdrawal14 £3 $5 €4

Card replacement (lost, stolen or damaged) £7 $10 €8

Balance enquiry £0.35 $0.50 €0.40

Insufficient funds fee (ATM and Point-of-Sale transactions) £0.50 $0.80 €0.60

Currency conversion
2.75%
(when a specific currency card is used in a different currency zone)

14
Some ATMs overseas might charge a withdrawal fee.

FNB Gold Pricing Guide

Page 26 of 30 Contact us
1 July 2020 – 30 June 2021
 Important information
The small print

Standard terminology

FNB Gold Pricing Guide

Page 27 of 30 Contact us
1 July 2020 – 30 June 2021
 The small print
Our small print is straightforward.

Information on our products and prices

• 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, though, we’ll give you at least 20 business days’ notice of these changes. You’ll find these
changes on FNB’s website.

• We strive to keep the information provided in the pricing guide as accurate as possible, and should you have
any queries kindly contact 087 575 9404.

• You must apply for each facility or product individually.

• The granting of any facility or product is subject to you meeting the qualifying criteria of that product
or facility.

• Each facility or product has a set of terms and conditions for that specific facility or product. We agree on
these terms and conditions with the applicant.

• If there is disagreement between the product or facility specific terms and conditions and what’s outlined in
this pricing guide, we’ll follow the product or facility-specific terms and conditions that apply to such a facility
or product.

• 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 2020 - 30 June 2021.

FNB Gold Pricing Guide

Page 28 of 30 Contact us
1 July 2020 – 30 June 2021
 Standard terminology
If you want to compare FNB’s fees with those of other banks, we have, as far as possible, used standard
terminology throughout this pricing guide. This is in line with Section 13 of the Code of Banking Practice
(COBP). In the case where we’ve used FNB-specific terminology, we’ve added this here showing the
wording that other banks may use.

Glossary of terms

FNB term (As Used In Guide) Standard terminology

Card purchase Card transaction

Payment Third party payment/stop order

Slimline devices Mini ATMs

Online banking, telephone banking, Interactive Voice Response

eChannels
(IVR) and FNB ATMs

Mobile channels Cellphone banking and the FNB App

FNB Gold Pricing Guide

Page 29 of 30 Contact us
1 July 2020 – 30 June 2021
 Contact us
For more information on our Gold banking solutions:

Visit www.fnb.co.za or call 087 575 4653

Terms, conditions and rules apply.

FNB Gold Pricing Guide

1 July 2020 – 30 June 2021