FNB PricingGuide PremierChequeAndCC
FNB PricingGuide PremierChequeAndCC
FNB PricingGuide PremierChequeAndCC
Guide
Premier
Includes FNB Fusion Premier, Cheque, One Account & Credit Card
Also available on the Islamic Premier Cheque Account
FNB Pricing Guide / Premier Account / 1 July 2018 - 30 June 2019 Page 1
FNB Fusion Premier Cheque and Premier
Overview Send Money The Small Print
Premier Account Credit Card Bundle Credit Card
banking
24/7 on 087 577 7000
or via Secure Chat™ on
the FNB Banking App.
FNB Premier offers you the convenience of having all your banking in one place, with a dedicated team of
Premier Bankers to take care of all your banking needs, access to benefits and so much more.
In the world of
Premier you can:
To benefit from our Premier Cheque Account
offering, you need to earn a gross income of
R300 000 – R749 999 per year.
Bank
• Access to a dedicated team of Premier • Free balance enquiries using the FNB • Free Automatic Debt Protection to
Bankers to cater to your day-to-day Banking App, Cellphone Banking and settle your outstanding credit card
banking requirements, reducing your Online Banking debt in the event of death or
need to go into a branch permanent disability, with the option
• Free emailed monthly statements
to sign up for FNB’s Top-up Debt
• Unlimited free swipes when you use
• Protection from unauthorised online Protection Plan, for which there is a
your Premier Cheque or Credit Card
transactions with Online Secure, giving charge
to pay
you a One Time PIN (OTP) to protect
• The opportunity to purchase FNB’s
• Withdraw cash at Shoprite & Checkers, your card’s exclusivity
Lifestyle Protection, providing lifestyle
Pick n Pay, Boxer stores and selected
• The ability to make convenient and cover for your loved ones in the event
Spar and Usave tills
secure payments with your of your death
• Free subscription to inContact. This Contactless Card and FNB Pay
• Cancel and replace your card via the
means we’ll SMS you every time more
• Free lost card protection and PIN FNB Banking App
than R100 goes out of – or into – your
replacement
account
• Free Auto Payment, offering you the
• Free subscription to the FNB Banking
convenience of having your accounts
App, Online Banking, Cellphone
paid on time each month
Banking and Telephone Banking.
FNB Pricing Guide / Premier Account / 1 July 2018 - 30 June 2019 Page 1
FNB Fusion Premier Cheque and Premier
Overview Send Money The Small Print
Premier Account Credit Card Bundle Credit Card
50100
0
1
2
5
Borrow Save
FNB Fusion Premier Account Credit Card • Monthly coupons on your FNB Banking
App, offering discounts on a range of
• Full transactional capability, allowing for • Up to 55 days interest-free credit
products from Dis-Chem – with more
salary deposits, Point of Sale Purchases, Personalised and competitive interest
retailers to come
ATM withdrawals, EFT’s, Debit Orders, rates based on your personal risk profile
etc. with a credit facility • Pay no monthly account fee when you
• Day to Day Transactional Tool
maintain R50 000 or more in your
• Linked credit card which gives you up
• Budget Facility with ease of repayment Premier Cheque Account at all times
to 30 days’ interest free on your card
throughout the month
purchases. Refer below for more details. • Split limits to better manage big to small
purchases • A free Savings Account that earns you a
Overdraft great interest rate.
Temporary Loans
• As a Premier Cheque Account holder, • FNB’s Islamic Savings Account also offers
you have access to credit in the format • Temporary Loans are quick and easy. competitive profit share
of an Overdraft Facility – free of initiation There are no forms to be filled in, and
• Global Accounts are offered in 9
fees. The great news is that you only pay you can easily accept your loan via
currencies and is ideal should you have
for your facility when you use it. Online Banking, FNB Banking App,
a need to save for travel purposes or to
Cellphone Banking and at an FNB ATM.
hedge against foreign currency
Your overdraft is a safety net for your
movements.
monthly cash flow shortages and it This loan is offered to you in line with
offers you a personalised interest rate the way you’ve managed your credit • The account can be used to make and
based on your individual credit profile. profile. Once you’ve accepted the offer, receive international payments
You also have the option of taking up funds are immediately available in your
• Why pay for loyalty? Save on fees with
Debt Protection. account.
free membership to the eBucks Rewards
programme*
Live
• Get Free Standard Delivery of your FNB • Earn eBucks back on your qualifying • Get discounts of up to 40%** on
Fusion Premier Card, Premier Cheque Connect contract or when purchasing selected local and international flights
and Credit Card to your home or office Connect prepaid airtime as well as domestic Avis car rental
booked online through eBucks Travel
• Get discounts of up to 40% on • Have access to smartphones, tablets
selected deals at the eBucks Shop or laptops at discounted prices over a • To best optimise your eBucks earnings,
and eBucks Travel 24-month period with 0% interest having a Premier Cheque Account in
conjunction with a Premier Credit Card
• Earn eBucks back when shopping in • Get free Comprehensive Global Travel
OR an FNB Fusion Premier Account is
store and online Insurance, keeping you covered for
the way to go. This will mean that you
local and international travel when you
• Earn eBucks back when you shop at can move up the eBucks reward levels
purchase your return travel ticket(s)
Shoprite & Checkers quicker and earn more eBucks.
using your FNB Fusion Premier Card,
• Earn eBucks back when you fill up with Premier Cheque or Credit Card • Access to Apple Devices at a preferen-
fuel at Engen only* or when using Uber (Valid for customers under the age of
domestically 70 only)
* You will not earn eBucks for any fuels purchases made at any other fuel station.
** Discounts exclude all taxes. Terms, Conditions and Rules apply. For more on eBucks Rewards, go to the eBucks website.
FNB Pricing Guide / Premier Account / 1 July 2018 - 30 June 2019 Page 2
FNB Fusion Premier Cheque and Premier
Overview Send Money The Small Print
Premier Account Credit Card Bundle Credit Card
All-in-one from
convenience. R209
p.m
FNB Fusion Premier
• A fully functional transactional account with a linked credit card • One card, one delivery, one card expiry to manage
that allows you to:
• A single Credit Limit to maintain
• Receive monthly income/salary into the account
• Up to 30 days’ interest free on card purchases
• Make all types of transactions: Point of Sale Purchases,
• The ability to receive maximum rewards by only using one card
ATM Withdrawals, EFT’s, Debit Orders, payments etc.
• A free Savings Account that earns you a great interest rate
• One account to manage all transactions
• Free AA Emergency Roadside assistance on your FNB Premier
• One monthly account fee
Fusion cards
Minimum balance required to be maintained in FNB Fusion Premier Account for your
R50 000
monthly account fee to be waived
inContact Free
Savings Account
For detailed FNB Fusion Premier Account fees please refer to the Bundled Pricing Option below.
FNB Pricing Guide / Premier Account / 1 July 2018 - 30 June 2019 Page 3
FNB Fusion Premier Cheque and Premier
Overview Send Money The Small Print
Premier Account Credit Card Bundle Credit Card
with the Premier Bundle *Inc. Premier Cheque and Credit Card Monthly Account
Fees, Premier Credit Card Facility Service Fee and Monthly
Rewards Fee, saving you up to R84.50 p.m. in fees
As a Premier Cheque Account holder, you could enjoy great savings when you
get the Premier Bundle – Premier Cheque Account and Credit Card.
Bundled Pricing: Enjoy all-inclusive value with the Premier bundle at a single discounted fee, with your complete day-to-day banking
product suite, as well as additional transactions. As a Premier Cheque Account client, one of three pricing options are available to you:
a Pay-As-You-Use Pricing Option, an Unlimited Pricing Option and a Bundled Pricing Option. They are here to give you what you
need – and at the right price for you.
If your transactions vary on a month-to month basis and you If you want to pay a fixed monthly fee for your complete
do a combination of electronic and branch transactions, you bundle of Premier products and maximise your rewards and
might prefer to be charged for each transaction as you go. benefits, this option gives you:
• A discounted monthly fee, which includes your Premier
A free Savings Account that earns you great interest rates
Cheque Account Fee, your Premier Credit Card monthly
account and facility service fees, for up to one addition-
Unlimited Pricing
al Credit Card (excl. Linked Petro Cards) as well as your
membership to the eBucks Rewards programme
If you want to always have a sense of what your costs are, a
fixed monthly fee might work for you. With Unlimited Pricing, • Unlimited free qualifying electronic transactions using
you get: Online Banking, Telephone Banking and the FNB Banking
App on your Premier Cheque Account
• Unlimited free qualifying electronic transactions using
Online Banking, Telephone Banking, and the FNB • Withdrawals are free up to R9 000 every month* on your
Banking App Premier Cheque Account. This includes withdrawals made
at FNB ATMs, cardless cash withdrawals and Cash@Till®
• Withdrawals are free up to R7 000 every month* on your
withdrawals.
Premier Cheque Account. This includes withdrawals made
at FNB ATMs, cardless cash withdrawals and Cash@Till® • R9 000 free FNB ATM cash deposits every month* on your
withdrawals Premier Cheque Account
• R7 000 free FNB ATM cash deposits every month* on your • Free electronic prepaid purchases on your Premier
Premier Cheque Account Cheque Account
• A free Savings Account that earns you great interest rates
*Per account billing cycle.
FNB Pricing Guide / Premier Account / 1 July 2018 - 30 June 2019 Page 4
FNB Fusion Premier Cheque and Premier
Overview Send Money The Small Print
Premier Account Credit Card Bundle Credit Card
Islamic
Premier Account
FNB is proud to offer you a Shari’ah compliant Islamic Premier Cheque Account, with
similar value-adds, reward benefits and pricing as a Premier Cheque Account.
With Islamic Banking, you earn a monthly profit share on your free Islamic Savings
Account.
For more information, contact the Islamic Banking Suite on 087 578 6786*
* Please note that Overdrafts are not offered on the Islamic Premier Cheque Account
** Terms, Conditions and Rules apply.
Monthly Fees
Monthly fee R209 R199 R47.50
inContact Free
Savings Account
Card Purchases
Pay with your Card Free
FNB Pricing Guide / Premier Account / 1 July 2018 - 30 June 2019 Page 5
FNB Fusion Premier Cheque and Premier
Overview Send Money The Small Print
Premier Account Credit Card Bundle Credit Card
Cash Withdrawals
Cash@Till® R1.60
R9 000 free, thereafter R7 000 free, thereafter
Cardless cash withdrawals R1.90 per R100
Pay-As-You-Use Pay-As-You-Use
FNB ATM R1.90 per R100
Payments
Using mobile channels R8.20
Free
Using eChannels R8.20
Debit Orders
Internal R4.20
Free
External R18.50
Branch R70
Branch R17
FNB Pricing Guide / Premier Account / 1 July 2018 - 30 June 2019 Page 6
FNB Fusion Premier Cheque and Premier
Overview Send Money The Small Print
Premier Account Credit Card Bundle Credit Card
Deposits
R9 000 free, thereafter R7 000 free, thereafter
Cash Deposit at FNB ATM R0.95 per R100
R0.95 per R100 R0.95 per R100
Cheque Deposit at FNB Branch and ATM R50 + R7.50 per cheque (Max R120)
Balance Enquiries
Using mobile and eChannels Free
Point-of-sale R1.60
Statements
Current month emailed statement Free
FNB Pricing Guide / Premier Account / 1 July 2018 - 30 June 2019 Page 7
FNB Fusion Premier Cheque and Premier
Overview Send Money The Small Print
Premier Account Credit Card Bundle Credit Card
Credit Fees*
Common Monetary Area (CMA) Cross-Border Receipt R100 plus applicable Cash Deposit Fee
* A service fee is charged for each payment honoured where there is not enough money in your transactional account.
Send Money
Send Money to an eWallet (< R1 000) R10.95
FNB Pricing Guide / Premier Account / 1 July 2018 - 30 June 2019 Page 8
FNB Fusion Premier Cheque and Premier
Overview Send Money The Small Print
Premier Account Credit Card Bundle Credit Card
Twice-monthly R14.50
Daily R117
Twice-monthly R24
Weekly R3.20
Daily R15.50
Payment Notifications
Email R0.90
SMS R1.25
Fax R7
FNB Pricing Guide / Premier Account / 1 July 2018 - 30 June 2019 Page 9
FNB Fusion Premier Cheque and Premier
Overview Send Money The Small Print
Premier Account Credit Card Bundle Credit Card
Other Fees*
Online Banking password reset telephone banking
R70
(consultant assisted)
FNB Pricing Guide / Premier Account / 1 July 2018 - 30 June 2019 Page 10
FNB Fusion Premier Cheque and Premier
Overview Send Money The Small Print
Premier Account Credit Card Bundle Credit Card
A Premier Credit Card is more than just plastic in your wallet. It’s the key to your
lifestyle, unlocking new worlds and opening up an array of exclusive features
and benefits.
Your Premier Credit Card is the ultimate key. It enables your lifestyle, combines longed for possibility with reality and gives you access to
rewards and benefits that aim to help you along the way. In a customer-centric context, you get to imagine and innovate in your everyday
life – as well as initiate change in the world around you. You can best do this with a Premier Credit Card. Your Premier Credit Card Account
combines a transactional account and credit facility with a linked credit card.
Monthly Fees
Credit Facility Fees
Branch (includes all Financial Institution Branches and the Purchase of Foreign Exchange) R60 + R2.10 per R100
Cash@Till® R1.60
* International Currency commission and conversion Fee of 2.75% of the transaction value applies for international purchases.
** This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATMs charge an additional surcharge.
FNB Pricing Guide / Premier Account / 1 July 2018 - 30 June 2019 Page 11
FNB Fusion Premier Cheque and Premier
Overview Send Money The Small Print
Premier Account Credit Card Bundle Credit Card
Deposits
FNB ATM with Automated Deposit Terminal (ADT) R0.95 per R100
FNB Branch and FNB ATM with envelope deposits R60 + R2.10 per R100
Local R105
International R295
Other Fees
Card replacement fee (One free card per year, thereafter R100 per card) Free
Convenience Fees
Pay2Cell R4.50
FNB Pricing Guide / Premier Account / 1 July 2018 - 30 June 2019 Page 12
FNB Fusion Premier Cheque and Premier
Overview Send Money The Small Print
Premier Account Credit Card Bundle Credit Card
Important information
• The above pricing is inclusive of VAT
• Interest rates are personalised and appear on the credit card statement
• Visit FNB’s website for a copy of the Terms, Conditions and Rules that govern our agreement
• If your Credit Facility goes into arrears, you will be liable for collection fees in accordance with the National Credit Act
• Should you require further information on any credit card products or services, please contact Credit Card Customer Enquiries on
087 575 1111
Definitions:
• 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 account
FNB Pricing Guide / Premier Account / 1 July 2018 - 30 June 2019 Page 13
FNB Fusion Premier Cheque and Premier
Overview Send Money The Small Print
Premier Account Credit Card Bundle Credit Card
200
you love living in another city – or even another country.
Send
2
5 – and to help them take care of you.
money
FNB’s Send Money options allow you easy access to sending money in one
of four ways – via Cellphone Banking, Online Banking, FNB ATMs and the
FNB Banking App. With FNB’s offerings: eWallet, Zimbabwe and Mozambique
Money Transfer and MoneyGram, you can transact easily and securely.
With FNB sending money has never been this easy.
eWallet
Do you need to Send money instantly? eWallet is a convenient way to Send Money to anyone with a valid South African cellphone
number* – even if that person doesn’t have a bank account. Your money is received instantly at no cost to the recipient. You can also
send money if you have an FNB Credit Card. Use Online Banking or an FNB ATM.
Electricity R2.50
Note: For a list of stores, visit our website > For me > eWallet > Ways to use.
* Limited to a maximum of 4 at any time.
FNB Pricing Guide / Premier Account / 1 July 2018 - 30 June 2019 Page 14
FNB Fusion Premier Cheque and Premier
Overview Send Money The Small Print
Premier Account Credit Card Bundle Credit Card
FNB’s Zimbabwe Money Transfer is an instant, easy and affordable money transfer service that allows FNB customers residing in
South Africa to send money to an individual in Zimbabwe who has a valid Zimbabwean identity document. The funds can be collected
instantly at a participating OK Zimbabwe Ltd Money Counter.
You can Send Money to Zimbabwe from your active FNB transactional* account at any time – as long as you are registered for
Cellphone Banking, Online Banking or the FNB Banking App and inContact.
* Please note: Currently, FNB customers cannot Send Money to Zimbabwe from FNB Credit Card Accounts.
FNB’s Mozambique Money Transfer is an instant, easy and affordable money transfer service that allows FNB customers residing in
South Africa to send money to an individual in Mozambique who has a valid Mozambique identity document. The funds can be
collected at any FNB Mozambique branch.
You can Send Money to Mozambique from your active FNB transactional* account at any time – as long as you are registered
for Cellphone Banking, Online Banking or the FNB Banking App and inContact.
* Please note: Currently, FNB customers cannot Send Money to Mozambique from FNB Credit Card Accounts
FNB Pricing Guide / Premier Account / 1 July 2018 - 30 June 2019 Page 15
FNB Fusion Premier Cheque and Premier
Overview Send Money The Small Print
Premier Account Credit Card Bundle Credit Card
MoneyGram
MoneyGram is a money transfer service that FNB offers customers for cross-border, person-to-person payments to more than 200
countries and territories excluding Lesotho, Namibia and Swaziland.
This is an easy and affordable, quick and convenient way to send or receive foreign currency and its speed and simplicity ensure a
same-day transaction. All you need to send a MoneyGram is an FNB account – along with some money in it, of course!
You can send a MoneyGram from an FNB branch, ATM or via Cellphone Banking. All beneficiaries must be loaded in a branch, after
which you’ll be able to transact via FNB ATMs or Cellphone Banking. You will receive a reference number confirming you have sent the
money. You will need to give this reference number to the beneficiary.
The beneficiary can then go to their nearest MoneyGram agent in their country with the reference number and present their
identity document to collect the money within minutes of you sending it.
FNB Pricing Guide / Premier Account / 1 July 2018 - 30 June 2019 Page 16
FNB Fusion Premier Cheque and Premier
Overview Send Money The Small Print
Premier Account Credit Card Bundle Credit Card
• FNB, a division of FirstRand Bank Ltd. reserves the right • If there is disagreement between the product or facility If you want to compare FNB’s fees with those of other banks, we
to change fees or introduce new fees from time to time. specific terms and conditions and what’s outlined in this have, as far as possible, used standard terminology throughout
If we do this, though, we’ll give you at least 20 business pricing guide, we’ll follow the product or facility-specific this pricing guide. This is in line with Section 13 of the Code of
days’ notice of these changes. You’ll find these changes terms and conditions that apply to such a facility Banking Practice (COBP).
on FNB’s website. or product.
In the case where we’ve used FNB-specific terminology, we’ve
• We strive to keep the information provided in the pricing • FNB reserves the right to change the features of any added this here showing the wording that other banks may use.
guide as accurate as possible, and we will not be held product or facility at any time. So, FNB’s term – as per this pricing guide – is “Card Purchase”,
responsible if an error or omission is found. while the standard terminology is “Card Transaction”; FNB’s term
• Fees quoted as “per R100” include parts thereof.
is “Payment”, while the standard terminology equivalent is “Third
• You must apply for each facility or product individually.
• Where Cellphone Banking is referred to, standard Party Payment/ Stop Order”. FNB uses the term “Slimline Devices”
• The granting of any facility or product is subject to you network rates apply. whereas other banks might call them Mini ATMs. FNB uses the
meeting the qualifying criteria of that product or facility. term “eChannels”, which refers to Online Banking, Telephone
• All fees quoted are VAT inclusive and are effective from Banking, Interactive Voice Response (IVR) and FNB ATMs. FNB’s
• Each facility or product has a set of terms and conditions 1 July 2018 - 30 June 2019. “Mobile Channels” refer to Cellphone Banking and the FNB
for that specific facility or product. We agree on these Banking App.
terms and conditions with the applicant.
FNB Pricing Guide / Premier Account / 1 July 2018 - 30 June 2019 Page 17