SA's SME Bank To Help Start, Run and Grow Your Business

With FNB Business, I not only
save on fees but I also earn eBucks

which I use to purchase things which
I need for my business
SA’s SME bank to

help start, run and
grow your business
FNB Business
Annual Pricing Guide
Effective: 1 July 2022 - 30 June 2023
See more
Terms, conditions and earn rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
Supporting your business
FNB Business
Annual Pricing Guide 2022-2023
At FNB Business we know how much your business and customers mean to you; we also know how
busy it can get to meet their demands while striving to grow your business. Our business banking
Supporting your business solutions are there to help you start, run and grow your business.
Ways to bank
Business accounts
FNB First Business Zero account
FNB Gold Business account Fundaba eBucks Rewards for Business

FNB Platinum Business account
Fundaba, a FREE business coach available Bank smartly and earn rewards that buy real things for your
FNB Healthcare account
on the FNB App, which gives you free business with eBucks Rewards for Business. Did you know that you
FNB Islamic Banking can use your eBucks Rewards for Business to pay your monthly
business education.
FNB Trust account account fees?
General transaction fees For more information on eBucks Rewards for Business go to
Credit products fnb.co.za > For My Business > Value Adds > eBucks Rewards for Business
Fleet services
Merchant services
FNB Instant Solutions Sage accounting solutions
Foreign exchange
Savings and cash investments Our FNB Instant Solutions can help you with As a Sage accounting user, you can now easily feed your banking
invoicing, accounting, payroll and cash flow. transactions directly from your FNB Business Online Banking and the
Digital banking solutions
FNB App. You can manage your consent and permissions, to control
Important information
what is shared. You get account confirmation, verification, receipt-IT,
Contact us
reference validation, payment request and more.
2
Ways to bank
FNB Business
Digital platforms
Ways to bank FNB App

Business accounts

Manage your banking on the move with Ways to bank more conveniently;
the FNB App. Smart inContact for Business
FNB Gold Business account allows you to safely approve online banking
saving your time and money
FNB Platinum Business account transactions and verify devices that log into for your business.
FNB Healthcare account your profile on the FNB App.
FNB Islamic Banking
FNB Trust account
General transaction fees FNB Online Banking for Business Online Banking Enterprise™
Credit products
Manage your banking 24/7 with FNB Online Online Banking Enterprise™ gives you complete
Fleet services
Banking for Business. From viewing your flexibility to manage your unique business
Merchant services
accounts and balances, to applying for needs – adding additional users, segregation of
Foreign exchange credit, and performing foreign exchange duties between users and dual authorisations on
Savings and cash investments transactions online. transacting including eFiling payments.
Contact us
3
Ways to bank (continued)
FNB Business
Assisted channels
Ways to bank 24/7 Business desk FNB Branch services

Business accounts
The business desk is a specialised team Our extensive branch network allows you to
of business bankers that are available access expert sales or service assistance from
FNB Gold Business account
telephonically 24/7. We can assist you with a consultant or teller.
FNB Platinum Business account expert sales or service requirements.
FNB Islamic Banking

Self service
FNB Trust account
Dedicated service
General transaction fees FNB Automated Teller Machines (ATM) allow
Based on your business needs, complexity and you to withdraw cash, check your balances and
Credit products
turnover - a business banker may be allocated statements, make payments and transfers.
Fleet services
to assist you with your strategic banking needs.
Merchant services
Foreign exchange
Savings and cash investments

Automated Deposit Teller (ADT)
Important information FNB ADTs give you the ability to withdraw

Contact us funds as well as make deposits into your
FNB account, anytime.
4
Business accounts
FNB Business
Annual Pricing Guide 2022-2023 Depending on your business turnover and type, we have designed value propositions to meet your needs.
Supporting your business FNB First Business Zero account FNB Gold Business account FNB Platinum Business account
Ways to bank
Business accounts
FNB Islamic Banking

Exclusively designed to meet the needs of the aspiring sole Designed to meet the needs of a business, with Designed to meet the needs of a business, with a
FNB Trust account proprietor, with a turnover of R0 – R5 million p/a, who wants turnover of R0 – R5 million p/a, that are starting turnover of between R5 million – R60 million p/a,
to separate their business and personal account or growing with a dedicated Relationship Manager to support
General transaction fees your business
Credit products Monthly account fee

Fleet services
FREE R83 per month, or a bundled option R140 per month, or a bundled option
Merchant services
Fee structures
Foreign exchange
Pay-As-You-Use (PAYU), which allows you to pay only Pay-As-You-Use (PAYU), which allows you to pay only Pay-As-You-Use (PAYU), which allows you to pay
Savings and cash investments for transactions made for transactions you make, or Single Fee Pricing only for transactions you make, or Single Fee Pricing
bundles, which contain a bundle of transactions to bundles, which contain a bundle of transactions to
Digital banking solutions help you budget for your fees help you budget for your fees
Important information Rewards
Contact us
FNB Connect data, airtime, and minutes eBucks for Business* eBucks for Business*
5
*Visit www.ebucks.com or click on the eBucks link on the FNB App to read about the rewards criteria.
FNB Business
With FNB First Business Zero, you pay a zero monthly
account fee and get additional FREE transactions.
Ways to bank
Business accounts

The below transactions are also included: Plus, your FNB First Business Zero account gives you
• Unlimited card swipes
the following services and solutions at no additional cost:
FNB Healthcare account • The first deposit into your account

Business education
• Account confirmation letters from the FNB App Secure chat with one of our
FNB Islamic Banking with Fundaba on the
and Online Banking bankers via the FNB App
FNB App
FNB Trust account
• Card deliveries to a FNB Branch
General transaction fees
• Cash@Till® withdrawals* Manage your
Fast payments with QR
Credit products cash flow with an
• InContact and payment notification messages Speedpoint® on the
FNB Business Call
Fleet services FNB App
• Emailed statements, plus your last 12 stamped account
Merchant services statements available online or on the FNB App
Foreign exchange • Balance enquiries on the FNB App, online banking, FNB Connect SIM with a once
or at an FNB ATM Access to FNB off reward of 1GB Data, 30 voice
Savings and cash investments Instant Solutions minutes and 30 SMSs when the
account is activated. You will be
rewarded monthly with 400 MB,
Important information 30 voice mins and 30 SMSs.**
Contact us
6
* Limited to R3000 per transaction
** Based on qualifying criteria
FNB First Business Zero account (continued)
FNB Business
Fees
Ways to bank Monthly account fee R0
Business accounts
Card swipes FREE
Electronic payments and collections
Internal debit orders (Debit orders raised by FNB, WesBank, and DirectAxis) FREE
FNB Healthcare account External debit order R4
FNB Islamic Banking Electronic Fund Transfer (EFT) R1.50
FNB Trust account

Immediate payment* R7
Cash transactions
Credit products
Cash withdrawals and deposits at FNB ATM R9 per R1000 or part thereof
Fleet services
Cash withdrawals and deposits at an FNB Branch R4 per R100 or part thereof (minimum fee of R55)
Merchant services
Foreign exchange Payment honouring, unpaid and decline fees FREE
Contact us
Additional products to consider

Merchant Business Savings and cash Business Business
7 services credit cards investments overdraft loans
*Immediate payment refers to Pay&Clear Now and FNB Instant Payment

FNB Business
FNB Gold Business is a full value banking offering for
businesses with a turnover from R0 to R5 million per
Supporting your business annum with solutions to help you start, run and grow
Ways to bank your business.
Business accounts

The below transactions are included in your Plus, your FNB Gold Business account gives you the following
FNB Gold Business monthly account fee, services and solutions at no extra cost:
meaning that you don’t pay extra for:
• The first deposit into your account Digital banking eBucks Rewards
FNB Islamic Banking
solutions for Business
FNB Trust account

• Cash@Till® withdrawals*
Credit products • InContact and payment notification messages 24/7 Access to FNB
Business Desk Instant Solution
Fleet services • Debit orders from FNB, WesBank and DirectAxis
Merchant services • Emailed statements, plus your last 12 stamped
Foreign exchange
statements available online or the FNB App
Business coach with
Savings and cash investments • Balance enquiries on the FNB App, online banking,
Fundaba on the FNB App
or at an FNB ATM
Contact us
* Limited to R3000 per transaction

FNB Gold Business account (continued)
FNB Business
Ways to bank
Pay-As-You-Use Gold Business Single Fee Single Fee
Business accounts Pricing option
(PAYU) Pricing Option Bundle *** Pricing Option 1 Pricing Option 2
FNB Gold Business account R83

Monthly account fee R99 R299 R399
R156 (if you are a trust entity)
Value bundle saving* R286 R2 206 R3 411
1 FREE FNB Gold Credit Card 2 FREE FNB Gold Credit 2 FREE FNB Gold Credit Cards
FNB Islamic Banking FNB Gold Credit Card
included** Cards included** included**
FNB Trust account
Purchases and payments via cellphone, online banking and FNB App
FNB Credit card swipes FREE FREE FREE FREE
Credit products
Fleet services
Merchant services
Foreign exchange
Contact us
* Calculated based on the average transactions of existing FNB Gold Business clients
9 ** Credit card transactional fees apply
*** The Gold Business Bundle is not available to Trust accounts
FNB Business
Ways to bank
Pricing option
Business accounts (PAYU) Pricing Option Bundle Pricing Option 1 Pricing Option 2
Internal debit orders (Debit orders
FREE FREE FREE FREE
FNB Gold Business account raised by FNB, WesBank, and DirectAxis)
FNB Platinum Business account 10 FREE (across Electronic third-party

payments,External debit orders,FNB
FNB Healthcare account Debit card purchases or card swipes and
Prepaid purchases)
FNB Islamic Banking Electronic third-party payments From R3.53* Electronic third party payments
50 FREE, 100 FREE,
FNB Trust account thereafter R7.50 per transaction
External debit orders R12 thereafter R12 per thereafter R12 per
General transaction fees External debit orders thereafter R12 transaction transaction
per transaction
Credit products FNB Debit card purchases or card swipes
thereafter R 3.68 per card swipe
Fleet services
Prepaid purchases FNB Connect FREE Prepaid purchases thereafter all other service FREE FREE
Merchant services All other services providers R2.70, FNB Connect FREE.
providers R2.70
Foreign exchange
FNB Debit card purchases
Savings and cash investments or card swipes R3.68 FREE FREE
Up to R3 000 is R10 per transaction 1 FREE, 1 FREE,

Immediate payment** thereafter R35 per thereafter R35 per
More than R 3 000 is R45 per transaction transaction transaction
Contact us Global payments within 2 FREE, thereafter max 2 FREE, thereafter max
Max R150 1 FREE, thereafter max R150 per transaction
the CMA*** R150 per transaction R150 per transaction.
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*Please see the Digital Banking solutions section for the full pricing details
**Immediate payment refers to Pay&Clear Now and FNB Instant Payment
***Payments made to business accounts in Namibia, Lesotho and Swaziland. Please see the Foreign Exchange section of the pricing guide
FNB Business
Ways to bank
(PAYU) Pricing Option Bundle Pricing Option 1 Pricing Option 2

Cash solutions
3 FREE, thereafter R2.30 4 FREE, thereafter R2.30 per
FNB Healthcare account Cash withdrawals at an FNB ATM R2.30 per R100 or part thereof
per R100 or part thereof R100 or part thereof
FNB Islamic Banking Up to R 50 000 FREE, Up to R 100 000 FREE,
Cash deposits at an FNB ATM R4.65 + R1.20 per R100 or part thereof thereafter R4.65 + R0.95 thereafter R4.65 + R0.90 per
FNB Trust account per R100 or part thereof R100 or part thereof
Credit products
Fleet services
Merchant services
Foreign exchange
Additional products
to consider
Merchant Business Savings and cash Foreign Business Business Cash
Important information services credit cards investments exchange overdraft loans bundle
Contact us
11
FNB Business
The FNB Platinum Business value proposition has been
designed to meet the specific needs of a business with
Supporting your business a turnover of between R5 million and R60 million per
Ways to bank annum to help you run and grow your business.
Business accounts

The below transactions are included in your FNB Platinum Plus, your FNB Platinum Business account gives you the
Business monthly account fee, meaning that you don’t pay following services and solutions at no extra cost:
extra for:
• The first deposit into your account Dedicated banker to
eBucks Rewards
FNB Islamic Banking help you with day-to-day
for Business
• Account confirmation letters from the FNB App business banking needs
FNB Trust account
or Online Banking
Credit products • Cash@Till® withdrawals* Access to a 24/7 Access to the
Platinum Desk SLOW Lounge**
Fleet services • InContact and payment notifications messages
Merchant services • Debit orders from FNB, WesBank and DirectAxis
Foreign exchange • Emailed statements plus your last 12 stamped statements
FNB Global
Savings and cash investments available online or on the FNB App Travel Insurance
Contact us
12
* Limited to R3 000 per transaction
**Please refer to the eBucks website for complimentary SLOW Lounge visit requirements.
FNB Platinum Business account (continued)
FNB Business
Ways to bank
Pay-As-You-Use Platinum Single Fee Single Fee
(PAYU) Pricing Option Business Bundle *** Pricing Option 1 Pricing Option 2
FNB Gold Business account R140

Monthly account fee R199 R499 R699
R156 (for trust entity)
Value bundle saving* R361 R4 887 R6 937
1 FREE FNB Gold Credit 2 FREE FNB Gold Credit Cards 2 FREE FNB Gold Credit Cards
FNB Islamic Banking FNB Gold Credit Card
Card included** included** included**
FNB Trust account
Purchases and payments via cellphone, online banking and FNB App
FNB Credit card swipes FREE FREE FREE FREE
Credit products
Fleet services
Merchant services
Foreign exchange
Contact us
* Calculated based on the average transactions of existing FNB Platinum Business clients
** Credit card transactional fees apply
13 *** The Platinum Business Bundle is not available to Trust accounts
FNB Business
Supporting your business Pay-As-You-Use

Platinum Single Fee Single Fee
Ways to bank Pricing option (PAYU) Pricing
Business Bundle Pricing Option 1 Pricing Option 2
Option
Business accounts
FNB First Business Zero account Electronic payments

FNB Gold Business account and collections
FNB Platinum Business account Internal debit orders (Debit

orders raised by FNB, WesBank, FREE FREE FREE FREE
FNB Healthcare account and DirectAxis)
FNB Islamic Banking 20 FREE (across Electronic third-party
payments,External debit orders,FNB Debit card
FNB Trust account purchases or card swipes and Prepaid purchases)
Electronic third-party payments From R3.53* Electronic third party payments thereafter R 7.50 150 FREE, 200 FREE,
Credit products per transaction thereafter R12 per thereafter R12 per
External debit orders R12 transaction transaction
Fleet services External debit orders thereafter R12 per transaction
Merchant services FNB Debit card purchases or card swipes thereafter R

3.68 per card swipe
Foreign exchange
Prepaid purchases FNB Connect FREE Prepaid purchases thereafter all other service FREE FREE
Savings and cash investments All other services providers R2.70, FNB Connect FREE.
providers R2.70
FNB Debit card purchases
Important information or card swipes R3.68 FREE FREE
Up to R3 000 is R10 per transaction 1 FREE, 1 FREE,

Contact us Immediate payment** thereafter R35 per thereafter R35 per
More than R 3 000 is R45 per transaction transaction transaction
2 FREE, thereafter max 2 FREE, thereafter max

Global payments within the CMA*** Max R150 1 FREE, thereafter max R150 per transaction.
R150 per transaction R150 per transaction.
14
*Please see the Digital Banking solutions section for the full pricing details **Immediate payment refers to Pay&Clear Now and FNB Instant Payment
***Payments made to business accounts in Namibia, Lesotho and Swaziland. Please see the Foreign Exchange section of the pricing guide
FNB Business
Ways to bank
Pay-As-You-Use Platinum Single Fee Single Fee
(PAYU) Pricing Option Business Bundle Pricing Option 1 Pricing Option 2

Cash solutions
FNB Healthcare account 6 FREE, thereafter R2.30 per 8 FREE, R2.30 per
Cash withdrawals at an FNB ATM R2.30 per R100 or part thereof
R100 or part thereof R100 or part thereof
FNB Islamic Banking
Up to R 150 000 FREE, Up to R 250 000 FREE,
FNB Trust account
Cash deposits at an FNB ATM R4.65 + R1.20 per R100 or part thereof thereafter R4.65 + R0.85 per thereafter R4.65 + R0.80 per
R100 or part thereof R100 or part thereof
Credit products
Fleet services
Merchant services
Foreign exchange
Additional products
to consider
Merchant Business Savings and cash Foreign Business Business Cash Online banking
Important information services credit cards investments exchange overdraft loans bundle enterprise
Contact us
15
FNB Business
Our healthcare solutions provide a gateway to a holistic offering

Supporting your business to meet your banking requirements. It is suited to healthcare
Ways to bank practitioners, medical practices, and the overall healthcare
Business accounts industry; and provides a simple and flexible way to conduct all
business transactions and pay for day-to-day operations.
FNB Gold Business account The below transactions are included in your monthly Plus, your Healthcare account gives you the
FNB Platinum Business account FNB Healthcare Business account fee, which means you following services and solutions at no extra cost:
FNB Healthcare account don’t pay extra for:
FNB Islamic Banking • The first deposit into your account Switching of Preferential rates
medical aid on merchant devices
FNB Trust account • Account confirmation letters from the FNB App
or Online Banking
Credit products
• Cash@Till® withdrawals* Dedicated banker to
eBucks Rewards
Fleet services help you with day-to-day
for Business
• InContact and payment notifications messages business banking needs
Merchant services
• Debit orders from FNB, WesBank and DirectAxis
Foreign exchange
• Emailed statements plus your last 12 stamped
Savings and cash investments statements available online or on the FNB App Access to a 24/7 Access to FNB
Healthcare Desk Instant Solutions
Contact us
Access to the FNB Global
SLOW Lounge** Travel Insurance
16 * Limited to R3000 per transaction.

** Please refer to the eBucks website for complimentary SLOW Lounge visit requirements
FNB Healthcare account (continued)
FNB Business
Ways to bank
Pay-As-You-Use Single Fee Pricing Single Fee Pricing Single Fee Pricing
(PAYU) Pricing Option Option 1 Option 2 Option 3
FNB Gold Business account Monthly account fee R167 R339 R439 R739

Value bundle saving* R2 206 R3 411 R6 937
2 FREE FNB Gold Credit Card 2 FREE FNB Gold Credit Cards 2 FREE FNB Gold Credit Cards
FNB Gold Credit Card
FNB Islamic Banking included** included** included**
FNB Trust account Purchases and payments via cellphone, online banking and FNB App
General transaction fees FNB Debit card purchases
R3.68 FREE FREE FREE
or card swipes
Credit products
FNB Connect FREE.
Fleet services Prepaid purchases All other service providers FREE FREE FREE
R2.70
Merchant services
1 FREE, thereafter max R150 2 FREE, thereafter max R150 2 FREE, thereafter max R150
Global payments within the CMA** Max R150
Foreign exchange per transaction. per transaction. per transaction.
Contact us
17 *Calculated based on the average transactions of existing FNB Healthcare Business clients
**Credit card transactional fees apply
***Payments made to business accounts in Namibia, Lesotho and Swaziland
FNB Business
Ways to bank

Electronic payments
FNB Platinum Business account and collections
Internal debit orders (Debit
FNB Islamic Banking orders raised by FNB, WesBank, FREE FREE FREE FREE
and DirectAxis)
FNB Trust account
Electronic third-party payments From R3.53*
50 FREE, 100 FREE, 200 FREE,
General transaction fees thereafter R12 per transaction thereafter R12 per transaction thereafter R12 per transaction
External debit orders R12
Credit products
Up to R3 000 is R10 per
Fleet services transaction
1 FREE, thereafter 1 FREE, thereafter 1 FREE, thereafter
Immediate payment**
R35 per transaction R35 per transaction R35 per transaction
Merchant services More than R 3 000 is R45
per transaction
Foreign exchange
Contact us
18
*Please see the Digital Banking solutions section for the full pricing details
**Immediate payment refers to Pay&Clear Now and FNB Instant Payment
FNB Business
Ways to bank

Cash solutions
FNB Healthcare account Cash withdrawals R2.30 per R100 3 FREE, thereafter R2.30 per 4 FREE, thereafter R2.30 per 8 FREE, thereafter R2.30 per
at an FNB ATM or part thereof R100 or part thereof R100 or part thereof R100 or part thereof
FNB Islamic Banking
Up to R50 000 FREE, Up to R100 000 FREE, Up to R250 000 FREE,
Cash deposits at an FNB ATM R4.65 + R1.20 per
FNB Trust account thereafter R4.65 + R0.95 per thereafter R4.65 + R0.90 per thereafter R4.65 + R0.80 per
R100 or part thereof
R100 or part thereof R100 or part thereof R100 or part thereof
Credit products
Fleet services
Merchant services
Foreign exchange
Contact us
Merchant Business Savings and cash Business Business Cash
services credit cards investments overdraft loans bundle
19
FNB Islamic Business account
FNB Business
With FNB Islamic Banking you can

Supporting your business choose between the FNB Gold Business
Ways to bank account or FNB Platinum Business
Business accounts
account and pricing rates. Both value
propositions have been designed
to meet the needs of your business,
helping you start, run and grow.
FNB Platinum Business account FNB Islamic Gold Business FNB Islamic Platinum Business
FNB Healthcare account FNB is proud to offer you a Shari’ah- account account
FNB Islamic Banking
compliant FNB Islamic Banking Business
account with similar features, pricing, Suited to businesses with a turnover Suited to businesses with a turnover of
FNB Trust account
rewards, and benefits to an FNB of less than R5 million per annum. between R5 million and R60 million
Business account. per annum.
Credit products
Fleet services
Merchant services
Foreign exchange
Contact us
Merchant Business Savings and cash Cash
services credit cards investments bundle
20
FNB Trust account
FNB Business
Our FNB Trust accounts are available to clients whose profession requires them to hold funds on behalf of a third party, for example:
Supporting your business legal practitioners, sheriffs of the court, debt collectors, estate agents or managing agents. A business account is required to open
Ways to bank an FNB Trust account.
Business accounts
Each transaction will be charged separately.

Fees
FNB Islamic Banking
FNB Trust account Monthly account fee R62
General transaction fees Cash withdrawals

Credit products
FNB Branch and FNB Bulk Cash Centres Service fee (min. R30) + cash-handling fee
Fleet services
Cash-handling fee (value per withdrawal) At FNB Branch At FNB Bulk Cash Centres
Merchant services
R0 – R4 999.99 R4.30 per R100 or part thereof R3.34 per R100 or part thereof
Foreign exchange
Savings and cash investments R5 000 – R9 999.99 R2.90 per R100 or part thereof R2.36 per R100 or part thereof
Digital banking solutions R10 000 – R14 999.99 R2.30 per R100 or part thereof R1.90 per R100 or part thereof
Important information R15 000 – R49 999.99 R2.05 per R100 or part thereof R1.65 per R100 or part thereof
Contact us
R50 000 - R149 999.99 R1.70 per R100 or part thereof R1.40 per R100 or part thereof
R150 000 and greater R1.70 per R100 or part thereof R1.20 per R100 or part thereof
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FNB Trust account (continued)
FNB Business
Fees
Ways to bank Deposits

Business accounts
Cash deposits
FNB ATM with deposits Cash deposit fee at FNB Branch Cash deposit fee at FNB Bulk Cash Centres
Minimum fee per deposit R32 R32
FNB Healthcare account Value per deposit

FNB Islamic Banking R0 – R4 999.99 R4.65 + R1.20 per R100 or part thereof R10.40 + R1.60 per R100 or part thereof R6 + R3.65 per R100 or part thereof
FNB Trust account

R5 000 – R9999.99 R4.65 + R1.20 per R100 or part thereof R10.40 + R1.60 per R100 or part thereof R6 + R2.15 per R100 or part thereof
R10 000 – R14 999.99 R4.65 + R1.20 per R100 or part thereof R10.40 + R1.60 per R100 or part thereof R6 + R1.60 per R100 or part thereof
Credit products
R15 000 – R49 999.99 R4.65 + R1.20 per R100 or part thereof R10.40 + R1.60 per R100 or part thereof R6 + R1.40 per R100 or part thereof
Fleet services
Merchant services R50 000 - R149 999.99 R4.65 + R1.20 per R100 or part thereof R10.40 + R1.60 per R100 or part thereof R6 + R1.20 per R100 or part thereof
Foreign exchange R150 000 and greater R4.65 + R1.20 per R100 or part thereof R10.40 + R1.60 per R100 or part thereof R6 + R1 per R100 or part thereof

Unsuccessful transactions
Inward unpaid fee (debit order) R155
Contact us
22
Note: Unused bundles expire monthly on the date your fees are charged
FNB Business
Transfers between your accounts

Ways to bank Transfers and scheduled transfers via FNB ATM, Online Banking, FNB App, FNB Business Desk FREE
Business accounts
Consultant assisted transfers (FNB Branch, FNB Business Desk) R80 per transaction
Payments and purchases
Card purchases
FNB Healthcare account Debit card purchases R3.68
FNB Islamic Banking Petrol card purchases R6.25
FNB Trust account

International currency commission and conversion 2%
Prepaid purchases
Credit products
FNB Connect Prepaid (Online Banking - FNB Online Banking for Business or the FNB App) FREE
Fleet services
Merchant services FNB Channels (FNB Online Banking for Business/FNB App/USSD/FNB ATM) R2.70
Foreign exchange FNB Branch and FNB Business Desk (consultant assisted) R15
Savings and cash investments Other bank’s ATMs R15

Contact us
23
General transaction fees (continued)
FNB Business
Payments (continued)
Account payments
Ways to bank
Business accounts Electronic Fund Transfer (EFT) From R3.53*
FNB First Business Zero account Internal debit orders (Debit orders raised by FNB, WesBank, and DirectAxis) FREE
FNB Gold Business account External debit orders R12

Consultant assisted payments (FNB Branch, FNB Business Desk) R80
Immediate payment** (per transaction less than R3000) R10 per transaction
FNB Islamic Banking
FNB Trust account Immediate payment** (per transaction more than R3000) R45 per transaction
General transaction fees Payment honouring fee (per transaction less than R50) R50
Credit products Payment honouring fee (per transaction equal to or more than R50) R155
Fleet services
Scheduled payments
Merchant services
New/ changing a scheduled payment establishment/amendment fee (FNB Online Banking for Business or the FNB App) FREE
Foreign exchange
New/changing a scheduled payment establishment/amendment fee (FNB Branch - consultant assisted) R19
Contact us
24 *Please see the Digital Banking solutions section for the full pricing details
** Immediate payments refers to Pay&Clear Now and FNB Instant Payment
FNB Business
Payment requests
You can use your FNB Payment Request
Ways to bank service to send electronic bills to your clients
Business accounts
Successful Payments FNB payment channels Non-FNB payment channels
EFT payment R2.50 + 0.35%
FNB Platinum Business account Cash payment R2.50 + Cash deposit fees R6.50 + R0.60 per R100 or part thereof
FNB Healthcare account Debit card payment R2.50 plus Merchant services pricing R6.50 + 2.5 %
FNB Islamic Banking
Credit card payment R2.50 plus Merchant services pricing R6.50 + 2.5 %
FNB Trust account
Other fees
Notifications sent to payer R0.15
Credit products
Fleet services Implementation fee (push biller) FREE
Merchant services Implementation fee (pull biller) R750

Foreign exchange
Contact us
25
FNB Business
Debit order
Stop payment - digital channels FREE
Ways to bank
Business accounts Stop payment - FNB Business Desk (consultant assisted) R40
FNB First Business Zero account Stop payment - FNB Branch (consultant assisted) R80

Debit order dispute - digital channels (not applicable to fraudulent debit orders) R5
Debit order dispute - FNB Business Desk / FNB Branch (consultant assisted) R45
Payment honouring fee (per transaction less than R50) R50
FNB Islamic Banking
FNB Trust account Payment honouring fee (per transaction equal to or more than R50) R155
General transaction fees eWallet payments (per transaction)

Credit products R2 + R2.30 per R100
FNB Send Money
or part thereof
Fleet services
Reversal of incorrect “send money to an FNB eWallet” transaction (consultant assisted) R65
Merchant services
Foreign exchange Reversal of incorrect “send money to an FNB eWallet” transaction (Self Service) R16.50
Savings and cash investments Payment Notifications

SMS and email FREE
Contact us
26
FNB Business
Cash withdrawals
Cash@Till® FREE
Ways to bank
Business accounts FNB ATM R2.30 per R100 or part thereof
FNB First Business Zero account Other banks’ ATMs R12 + R2.30 per R100 or part thereof
International branch cash withdrawals R80 + R2.85 per R100 or part thereof
International cash withdrawals at ATM R80
FNB Islamic Banking FNB Branch and FNB Bulk Cash Centres Service fee (min R65) + cash handling fee
FNB Trust account FNB Branch and FNB Bulk Cash Centres
General transaction fees Cash-handling fee (value per withdrawal) FNB Branch FNB Bulk Cash Centres
Credit products
R0 - R4 999.99 R4.20 per R100 or part thereof R3.80 per R100 or part thereof
Fleet services
Merchant services
Foreign exchange
Savings and cash investments R50 000 and greater R2 per R100 or part thereof R1.85 per R100 or part thereof
Contact us
27
FNB Business
Cash deposits
First deposit after opening an account FREE
Ways to bank
Business accounts Surplus/shortage in deposit (incident fee) R120
FNB First Business Zero account FNB ATM with deposits R4.65 + R1.20 per R100 or part thereof

Value per deposit At FNB Branch At FNB Bulk Cash Centres
Minimum fee (per deposit) R55 R55
R0 – R49 999.99 R10 + R2.20 per R100 or part thereof R8 + R2 per R100 or part thereof
FNB Islamic Banking
FNB Trust account R50 000 and greater R10 + R1.66 per R100 or part thereof R8 + R1.49 per R100 or part thereof
General transaction fees Reference validation

Credit products Over the counter validation R2.40
Fleet services
Electronic reference validation (FNB clients only) R2.40
Merchant services
Electronic reference validation (other banks) R3.40
Foreign exchange
High volume file upload (per line item) R0.21
Contact us
28
FNB Business
Cash bundles*
A cash bundle allows you to make cash deposits
Ways to bank at FNB Branches or Cash Centres up to a certain
value at a reduced price.
Business accounts
Bundle 1 Bundle 2 Bundle 3
FNB Gold Business account Monthly bundle fee R1 000 R3 000 R6 000
FNB Platinum Business account Monthly bundle value R100 000 R500 000 R1 000 000

Excluded from bundle (Cash deposits less than R55 000)
FNB Islamic Banking
Minimum fee R55 R55 R55
FNB Trust account
Base fee R6.05 R6.05 R6.05
Credit products Fee per R100 R2.11 R2.11 R2.11
Fleet services Out of bundle fees

Merchant services Minimum fee R55 R55 R55
Foreign exchange
Base fee R6.30 R6.30 R6.30
Fee per R100 R0.83 R0.83 R0.83
Contact us
29
*Unused bundles expire monthly on the date your fees are charged
FNB Business
Balance enquiries
Ways to bank FNB ATM FREE
Business accounts Point-of-sale (debit cards only) R1.90

International point-of-sale R7.90
Other bank’s ATMs R7.90
FNB Healthcare account Account confirmation letter

FNB Islamic Banking
Account confirmation letters (downloaded from Online Banking or the FNB App) FREE
FNB Trust account
General transaction fees Statements
Credit products Emailed statements, plus your recent 12 months stamped statements available
FREE
online or on the FNB App
Fleet services
Mini statements (FNB ATM with deposit facilities) R3.80 per page
Merchant services
Foreign exchange Provisional statement (FNB Branch, FNB Business Desk, per page) R19.50

Additional statements
Important information Paper Online
Contact us Daily (fee per month) R135 R65
Weekly (fee per month) R57 R30
Twice monthly (fee per onth) R29 R17

30
FNB Business
Unsuccessful transactions
FNB ATM declined transaction fee R6
Ways to bank
FNB declined transaction fee (local and international point-of-sale, scheduled payment) R6
Business accounts
FNB First Business Zero account Other banks’ ATMs declined transaction fee R6
FNB Gold Business account Inward unpaid fee R155

Unpaid debit orders R6
Debit card fees
FNB Islamic Banking
Replacement fee (non-personalised, personalised, secondary card including damaged cards) R125
FNB Trust account
General transaction fees PIN change at FNB Branch (consultant assisted) FREE
Credit products Petrol card monthly fee R24

Fleet services
Delivery fees
Merchant services
Standard delivery R100
Foreign exchange
Scheduled delivery R150
Digital banking solutions FNB Branch delivery FREE
Important information Urgent delivery R260
Contact us
International courier delivery R730
31
FNB Business
Subscription fees
Ways to bank Online banking, FNB App FREE
Business accounts inContact Pro FREE

Scheduled payment alert fee (per month) R3.80
Balance alerts
FNB Healthcare account Daily (per month) R16.50
FNB Islamic Banking Weekly (per month) R3.45
FNB Trust account Monthly (per month) R1.25

Credit products
Fleet services
Merchant services
Foreign exchange
Contact us
32
Credit products
FNB Business
Our credit products are ideally suited to help you

Supporting your business manage your cashflow and to grow your business.
Ways to bank
Business accounts
FNB Gold Business account FNB Business Overdraft FNB Business Revolving Loan
FNB Platinum Business account A credit solution over an indefinite period which is repayable with
A credit solution linked to your FNB Business
FNB Healthcare account account that is tailor-made to help your business fixed monthly instalments. It is suited to FNB Business account
gain financial flexibility. It is ideal for managing cash holders looking to manage cash flow needs, finance inventory or
FNB Islamic Banking
flow and can be used for unexpected expenses. unexpected payments. You can get access to additional funding
FNB Trust account once 15% of the loan has been paid, giving you access to credit
without reapplying.
Credit products
Fleet services FNB Business Loan FNB Business Bounce Back Loan
Merchant services Suited to FNB Business account holders looking to A Government backed 60-month loan aimed at providing support
Foreign exchange raise capital to inject into a business for growth or to businesses and stimulating economic growth. The loan is suited
expansion purposes, acquire assets or additional to FNB Business account holders that are looking to grow and scale
business opportunities. their business.
Contact us
33
Credit products (continued)
FNB Business
Credit fees
Overdraft Business and Bounce Back loans Business revolving loans
Ways to bank
Initiation fee* 1.25% of facility limit (Min R499) 1.25% of loan amount (Min R499) 1.25% of loan amount (Min R499)
Business accounts
FNB First Business Zero account Limit increase fee (Juristics) 1.25% of facility limit (Min of R499) - -
FNB Gold Business account Monthly credit fee (Juristics) 0.125% of facility (Min R69) 0.0575% of loan amount (Min R69, max R575) 0.115% of loan amount (Min R69, max R575)
FNB Platinum Business account Monthly credit fee (Natural Persons)* R69 R69 R69
Monthly commitment fee (Juristics)** 0.05% of facility - -
FNB Islamic Banking
FNB Trust account Other credit related fees

S129 letter fee R81.20 R81.20 R81.20
Credit products
Fleet services
Merchant services
Foreign exchange
Contact us
34
*Maximum fees apply to Natural Persons according to National Credit Act (NCA)
**Only applies to facilities taken up before 1 July 2020. Only charged if you do not utilise R200 or more of the facility limit. Not charged if a monthly credit fee is charged.
Credit products
FNB Business
FNB Business Credit Card

Your FNB Business Credit Card account offers you a transactional
Ways to bank account linked to a credit facility. It is an ideal transactional mechanism
Business accounts that provides flexible credit, as well as additional benefits.

To better your experience we have aligned some of your credit Your FNB Business Credit Card gives you the following
card pricing to the current account pricing. For pricing relating services and solutions at no extra cost:
FNB Platinum Business account to the below, please refer to the General fees section of the
Email statements
FNB Healthcare account pricing guide Cash@Till® and dual email
statements
FNB Islamic Banking
• Payments and purchases fees
FNB Trust account
• Electronic fund transfers
• Cash withdrawals Balance Enquiry inContact Pro
Credit products
• Delivery fees
Fleet services
• Declined and prepaid transaction fees Lost card eBucks Rewards
Merchant services
protection for Business
Foreign exchange
Digital banking solutions Access to the FNB Global

SLOW Lounge* Travel Insurance
Contact us
Local Inter-account
purchases transfers
35
*Please refer to the eBucks website for complementary SLOW Lounge visit requirements.
Credit products (continued)
FNB Business
Fees
If you are on a FNB Gold/ Platinum Business bundle or Single Fee
Ways to bank pricing option, you can get up to 2 Gold Credit Cards with
no monthly account fees.
Business accounts
FNB First Business Zero account Gold R52
FNB Gold Business account Platinum R102

Black R250
Lodge R52
FNB Islamic Banking
Petro card R45
FNB Trust account
General transaction fees Credit fees

Credit products
Transact credit limit fee* 0.25% Credit Limit Fee p/m (Min R69.00)
Fleet services
Revolve credit limit fee* R35 p/m
Merchant services
Foreign exchange New initiation fee 15% of total limit (Max R280)
Savings and cash investments Limit increase initiation fee for non-NCA 15% of increase limit (Max R190)
Contact us
36
*Credit limit fee – is the cost charged monthly for the routine administration of maintaining your credit facility.
Only charged for non-NCA clients
FNB Fleet Services Auto Card and Auto Advance Card
FNB Business
Your FNB Auto Advance

Supporting your business Card Account offers you a
Ways to bank pre-funded transactional
Business accounts
account. It’s an ideal
transactional mechanism
for purchasing fuel, oil,
repairs and maintenance, as
AutoCard Auto Advance Card
FNB Platinum Business account well as additional benefits.
FNB Islamic Banking

Your FNB Auto Card account fees offer you a transactional
FNB Trust account
account linked to a credit facility. It’s an ideal transactional
mechanism for purchasing fuel, oil, toll, repairs, and Auto Advance Card fees
Credit products maintenance, as well as additional benefits. Individualised
Monthly fees
Fleet services pricing is done per client’s portfolio.
Merchant services Card administration Per vehicle R79.82
Foreign exchange You get the following at no extra cost General fees
Savings and cash investments Transaction fee Per transaction R5.82
• Fleet online self-service
• Fuel rewards Card replacement Per incident R80.47
• Fleet online analytics and reporting (Applicable to Auto Advance Card) Slip request Per incident R89.87
Contact us
For any queries regarding pricing, please contact us on
0861 233 233 or email us at fleetsupport@fnb.co.za
37
FNB Merchant Services
FNB Business
Merchant Services provides tailored card payment acceptance solutions. Settlement benefits (for all devices)
With FNB Merchant Services you can offer your customers secure and • No once-off/initiation fee • Next day settlement
• No settlement fees
Ways to bank efficient ways to pay for goods and services with a card or Scan to Pay.
Business accounts

QR Speedpoint® Speedee® Standalone Speedpoint®
FNB Gold Business account QR Speedpoint® on the FNB App allows you to Speedee® is perfect for any business with a turnover The standalone solution is a user-friendly and cost-
generate a QR code to accept payments for goods below R10 million per annum and is the most effective means for a merchant to accept card
FNB Platinum Business account and services on the move, using the same app for all economical way to accept card payments with no payments, within a single outlet or non-complex sales
FNB Healthcare account your other banking needs. cellphone required. environment, where no integration to a sales system
is required. Plus, to pay your customers, you can now
FNB Islamic Banking scan a QR code on your Speedpoint® device using
Device features and benefits the FNB App or any compatible QR code scanner app
FNB Trust account
• No cellphone required without using their physical bank card.
General transaction fees • 24/7 technical support
Device features and benefits
Credit products • Dual SIM
• No cellphone required
Fleet services • Device installation and setup
• 24/7 technical support
• Device maintenance
Merchant services • Dual SIM
• eWallet Pay • Device installation and setup
Foreign exchange • Online Banking for Business • Device maintenance support
Savings and cash investments (reporting and servicing)
• Earn up to 15% back on your
• Contactless enabled Speedpoint® device rentals
• Comprehensive device training • eWallet Pay
• Fraud training • Online Banking for Business
Contact us (reporting and servicing)
• Contactless enabled
• Comprehensive device training
• Fraud training
38
FNB Merchant Services (continued)
FNB Business
Device Rental fees Fees per transaction

Ways to bank 2% debit card

QR Speedpoint® FREE
3% credit card
Business accounts
R250 excluding VAT 2% debit card
Speedee®
FNB First Business Zero account (R287.50 including VAT) 3% credit card
FNB Gold Business account R330 excluding VAT 2% debit card

Standalone Speedpoint® non-Android
(R379.50 including VAT) 3% credit card
2% debit card
R370 excluding VAT
FNB Healthcare account Standalone Speedpoint® Android 3% credit card
(R425.50 including VAT)
FNB Islamic Banking
FNB Trust account
Credit products
Fleet services
Merchant services
Foreign exchange
Contact us
39
*Only available when you have a business account and meet the qualifying criteria. Offer is limited to one Speedee device per merchant. T&Cs apply
FNB Foreign Exchange
FNB Business
FNB can help you to strengthen your business’ position and handle the challenge of
Supporting your business doing business internationally. Our world-class systems enable you to be in a strong
Ways to bank position to manage your exposure and facilitate your payments in compliance with local
Business accounts
and international regulations, as well as ensure protection against the inherent risks and
challenges associated with international business, payments, and trade.

FNB Foreign Exchange gives you the following services
and solutions at no extra cost: FNB Business Global account
• Global account transfers The Business Global account (CFC) is ideal
FNB Islamic Banking
• Foreign currency account transfers to and from Rands for businesses involved in import and export
FNB Trust account
• Cashing out of Cash passport (when credited to an FNB account) transactions, such as shipping agents, freight
• Business Global account with no monthly account fee forwarders, marine insurance, stockbrokers and
Credit products
other similar businesses.
Fleet services
Merchant services
Foreign exchange 7 Years | 2017 - 2023

Global Finance Awards

SA’s Best Forex
Provider
Contact us
40
Global Finance World’s Best FX Providers 2017-2022.
FNB Foreign Exchange (continued)
FNB Business
Fees
Ways to bank Gold + Platinum
Business accounts eChannel Other Branch

Travel
FNB Platinum Business account Bought from the Bank

FNB Healthcare account Cash Passport
FNB Islamic Banking
Initial Card Fee R150 R150 R150
FNB Trust account
Commission 0.50% 0.50% 0.50%
Minimum R65 R65 R65
Credit products
Fleet services Foreign Notes
Merchant services Non-CMA Notes

Foreign exchange Commission 2% 2.20% 2.20%
Minimum R80 R105 R105
CMA Notes
Contact us Commission N/A 3.80% 3.80%
Minimum N/A R150 R150
41
FNB Business
Fees

Travel (continued)
FNB Platinum Business account Delivery

FNB Healthcare account Delivery Fee R220 R220 R220
FNB Islamic Banking

Failed charge R220 R220 R220
FNB Trust account
Sold to the bank
Foreign Notes
Credit products
Fleet services Non-CMA Notes
Merchant services Commission N/A N/A 2.50%
Foreign exchange Minimum N/A N/A R150

CMA Notes
Commission N/A N/A 3.8%
Contact us Minimum N/A N/A R150
42
FNB Business
Fees

Payments
FNB Platinum Business account Global Payments (SWIFT)

FNB Healthcare account Commission 0.55% 0.55% 0.55%
FNB Islamic Banking

FNB Trust account
Maximum R550 R875 R875
SWIFT Fee Included in Commission
Credit products
Fleet services Global Payments (CMA Destination)
Merchant services FNB to Non FNB Banks

Foreign exchange Commission 0.03% 0% 0%
Maximum R150 R150 R150
Contact us Global Payments - (CMA Destination)
FNB to FNB
Commission R30 R150 R150

43
FNB Business
Fees

Global receipts
Global Receipts (INSWIFT)
Commission 0.55% 0.55% 0%
FNB Islamic Banking Minimum R230 R350 R350
FNB Trust account Maximum R450 R760 R760

Global Receipts (CMA Origin)
Credit products
Non FNB Banks to FNB
Fleet services
Commission 0.03% 0% 0%
Merchant services
Foreign exchange
Savings and cash investments Maximum R150 R150 R150
Digital banking solutions FNB to FNB

Commission R0 R0 R0
Contact us
Exchange Control Application
Minimum fee (per application) R2 000 R2 000 R2 000
44
FNB Business
PayPal fees
PayPal is one of the worlds leading digital payment platforms where you can receive payments and pay
Supporting your business online for goods and services, without sharing your financial information.
Ways to bank It’s safe, easy to use, fast, and more convenient than ever before.
Business accounts

Fee structure

PayPal Fees incl. VAT Total month top-up and withdraw value
FNB Islamic Banking Tier 0 1.52% $0 - $3 000
FNB Trust account Tier1 1.37% $3 001 - $10 000
General transaction fees Tier2 1.27% $10 001 - $50 000

Credit products
Tier3 1.01% $50 001 - $100 000
Fleet services
Tier4 0.81% $100 001 +
Merchant services
Foreign exchange
Contact us
45
FNB Savings and Cash Investments
FNB Business
Choose from a range of savings and cash investment solutions that cater for multiple business investment
Supporting your business goals and help you with your cash flow requirements. FNB Savings and Cash Investments offer peace of mind
Ways to bank as capital and quoted returns are 100% guaranteed.
Business accounts
FNB First Business Zero account You get the following for FREE
FNB Gold Business account • Monthly account fee • FNB ATM balance enquiries
FNB Platinum Business account • Online, telephone and cellphone banking • FNB Business Desk (IVR) balance enquiries
FNB Healthcare account • InContact Pro
FNB Islamic Banking
FNB Trust account Business Call account, Money on Call, Call account8, Money Market Investor8, Money Market Transactor8 and Business Supersave8
Credit products
Fleet services Fees

Merchant services Balance enquiries
Foreign exchange
FNB ATM and FNB Business Desk (IVR) FREE
FNB Branch and FNB Business Desk (consultant assisted) and other banks’ ATMs R7.90
Payments and transfers
Contact us Linked account transfers FREE
Consultant-assisted transfers (FNB Branch, telephone banking) R80
46 8 Not available for new sales

FNB Savings and Cash Investments (continued)
FNB Business
Fees
Account payments
Ways to bank
Electronic payments R45
Business accounts
FNB First Business Zero account Consultant-assisted payments (FNB Branch, FNB Business Desk) R80
FNB Gold Business account Immediate payment* R90

FNB Platinum Business account R11 + R2.30** per R100 or part
Other banks’ ATMs or mini-ATMs
thereof
R80 + R2.30** per R100 or part
FNB Islamic Banking International ATM cash withdrawals
thereof
FNB Trust account R80 + R2.30** per R100 or part
International branch cash withdrawals
thereof
FNB Branch Service fee ***
Credit products
Fleet services Cash-handling fee at FNB Branch value per withdrawal

Merchant services Branch fee R65
Foreign exchange
R0 – R4 999.99 R4.20 per R100 or part thereof
R5 000 – R14 999.99 R2.90 per R100 or part thereof
R15 000 – R49 999.99 R2.35 per R100 or part thereof
Contact us R50 000 and greater R2 per R100 or part thereof
47 * Immediate payment refers to Pay&Clear Now and FNB Instant Payment

** Cash Withdrawals and Cash Deposits are not available for BCA
*** Branch fee + cash handling fee
FNB Business
Fees
Cash deposits
Ways to bank
Business accounts Value per deposit At FNB Branch At FNB Bulk Cash Centres
FNB First Business Zero account Minimum fee (per deposit) R55 R55
FNB Gold Business account R0 – R49 999.99 R10 + R2.20 per R100 or part thereof R8 + R2 per R100 or part thereof
R50 000 and greater R10 + R1.66 per R100 or part thereof R8 + R1.49 per R100 or part thereof
FNB ATM with deposits/bulk deposit acceptor R4.65+ R1.15*
FNB Islamic Banking
FNB Trust account

Statements
General transaction fees Mini statements (FNB ATM and Cellphone Banking) R3.80
Credit products Emailed statements, plus your recent 12 months stamped

FREE after which you pay R12
statements available Online or on the FNB App
Fleet services
Provisional statement
R19.50
Merchant services (FNB branch, FNB Business Desk, per page)
Foreign exchange Other fees

Savings and cash investments Inward unpaid fee R155
Effects not cleared upliftment fee R110 (min of R560 and max of R5 600)
Special clearance fee R335
Contact us
48
*Cash Withdrawals and Cash Deposits are not available for BCA
FNB Business
48 Hour Cash Accelerator, 7 Day Notice, 32 Day interest Plus, 32 Day Notice, 32 Day Flexi Notice Cash Intelligence
Investment, Fixed Deposit and Flexi Fixed Deposit.
Ways to bank
Business accounts
Fees
FNB Gold Business account 48 Hour Cash 7 day 32 Day Flexi Cash Intelligence Fixed Flexi Fixed
Accelerator notice Notice Investment Deposit Deposit
FNB Healthcare account Deposits

FNB Islamic Banking
FNB ATM with deposits/ bulk deposit acceptor Change to R4.65 + R1.20 FREE FREE R4.65 + 1.20* FREE
FNB Trust account
Cash deposit fee
Minimum fee (per deposit) R55 R55 R55 R55 R55
Credit products
Fleet services Value per deposit At FNB Branch

Merchant services R0 – R49 999.99 R10 + R2.20 per R100 or part thereof
Foreign exchange
R50 000 and greater R10 + R1.66 per R100 or part thereof
Statements
Transaction history/detailed balance enquiry
Important information FREE
(FNB Online Banking for Business)
Contact us
49
FNB Business
32 Day Flexi Notice account: early withdrawal or closure

We may allow you to perform an early withdrawal or closure on your 32 Day Flexi Notice account.
Ways to bank
Such withdrawal or closure will attract an early withdrawal fee calculated as follows:
Business accounts
FNB First Business Zero account Early withdrawal fee = Base fee + 2.25% x amount to be early withdrawn

Applicable base fees are as follows:
Early withdrawal amount Base fee: face-to-face channels Base fee: electronic channels
FNB Islamic Banking
FNB Trust account <R1 000 R100 R25
General transaction fees >/=R1 000 R300 R50
Credit products
Fleet services
Early withdrawal or closure on other FNB Notice and Fixed products
Merchant services We may allow you to perform an early withdrawal or closure on your Notice or Fixed Deposit account(s).
Foreign exchange Such withdrawal or closure will attract an early withdrawal fee calculated as follows:
Early withdrawal fee = base fee + amount to be early withdrawn x (2.25% + 0.61% x remaining term in days/365)
Contact us
50 Base fees for face-to-face channels apply to money accessed at an FNB Branch or through a call centre
Base fees for electronic channels apply to money accessed through FNB Online Banking, ATM, cellphone banking, FNB Business Desk (IVR) or the FNB App
32 Day Interest Plus and 32 Day Notice are no longer available for new sales
FNB Digital banking solutions
FNB Business
Our digital banking solutions offer you a

Supporting your business secure and flexible platform to manage your
Ways to bank finances and meet the needs of your growing
Business accounts
business, saving you time, effort and money.
You get the following for FREE
• Once-off set up fee of your FNB Online Banking Enterprise profile
• User training
• Email of your current monthly statement, plus optional workable
FNB Islamic Banking
data files
FNB Trust account • Email and SMS beneficiary payment notifications
General transaction fees • Electronic transfers
Credit products • Data storage modular fee - 60 days: You get to maximise access
Fleet services to managing your account by using transaction history/statements,
storage of transfers, once-off
Merchant services
Foreign exchange
Contact us
51
FNB Digital banking solutions (continued)
FNB Business
Fees
Financial transaction volumes - electronic third-party payment
Ways to bank
First 250 transactions (per transaction) R7.50
Business accounts
FNB First Business Zero account Plus: For 251 to 1 000 (per transaction) R6.45
FNB Gold Business account Plus: For 1 001 to 10 000 (per transaction) R5.15
Plus: For more than 10 000 transactions (per transaction) R3.53
Immediate payment*
FNB Islamic Banking
Payments under R5 million R45
FNB Trust account
General transaction fees Payments over R5 million R60
Credit products Statements

Fleet services
Emailed statements, plus your recent 12 months stamped statements available Online or on the FNB App FREE after which you pay R12
Merchant services
Enquiry non-financial - transaction volumes per month
Foreign exchange
First 30 transactions FREE
Digital banking solutions Per transaction after the first 30 transactions have been reached you pay R1.58
Important information How to calculate your fees

Contact us
You will be charged R7.50 per transaction for the first 250 transactions, R6.45 per transaction for the subsequent 750
transactions and so forth. For example, if you do 260 transactions in a month your fee will be the sum of (R7.50 x 250)
+ (R6.45 x 10) = R1 939.50
52
Online Banking Enterprise™ bundle
FNB Business
There are two different bundle pricing options to choose from. With these options, you are charged a monthly fee upfront
for your online banking transactions. Once the stipulated transaction limits have been reached, items are billed for individually.
Ways to bank
Business accounts
Fees
Transaction description Option 1 Option 2
FNB Platinum Business account Monthly fee R850 R1 410

FNB Healthcare account Payments 150 300
FNB Islamic Banking

Immediate payment* 10 10
FNB Trust account
Non-Financials 100 150
Items above the transaction threshold limits will be charged as follows:
Credit products
Fleet services Payments R6.50 R6
Merchant services Immediate payment* R35 R35
Foreign exchange Non-Financials R2 R1.80

Contact us
53
FNB Business
Fees
Other non-financial transactions
Ways to bank
Notification by SMS (except payment notifications) R1.42
Business accounts
FNB First Business Zero account Notification by email (except payment notifications) R0.95
FNB Gold Business account Verify account owner (per item) (includes real-time) R3.54

Other fees
Reversal of processed EFT (successful or unsuccessful) R325.50
FNB Islamic Banking
Query of a disputed item R325.50
FNB Trust account
General transaction fees Query fee per transaction older than 3 months R129
Credit products Download of detailed user report R9.10
Fleet services
Initiation of settlement limit changes per request R144.50
Merchant services
Foreign exchange
Contact us
54
FNB Business
Fees
Monthly fees
Ways to bank
Collections modular fee R624
Business accounts
FNB First Business Zero account Delivery mechanism of selected data by SFTP R260
FNB Gold Business account Scheduled exports of interim and final statements per account per month
15 minutes R285
Hourly R140
FNB Islamic Banking
Daily R65
FNB Trust account
General transaction fees Weekly R30
Credit products Data storage

Fleet services Data storage modular fee - 90 days, 120 days, 150 days, 180 days (Recommended)
R130
(180 days only applicable to transaction history and statements)
Merchant services
Foreign exchange
Contact us
55
eWallet Pro
FNB Business
Minimise the risks and costs associated with
the use of cash. Pay your clients or employees 0 sponsored 1 sponsored 2 sponsored
Supporting your business Tier Volume
electronically and instantly even if they don’t transaction transaction transactions
Ways to bank
have a bank account. Funds are accessed via
Business accounts 1 01-30 R11.69 R20.66 R29.90
cellphones or an eWallet Pro VISA debit card.
FNB First Business Zero account 2 31-100 R11.01 R19.41 R27.18
FNB Gold Business account How to calculate your eWallet Pro fees
3 101-250 R10.34 R18.10 R25.81
With eWallet Pro, you can sponsor up to 4 251-1000 R8.44 R16.84 R24.61
FNB Healthcare account two ATM withdrawals per payment for your
5 1001+ R7.08 R15.53 R23.23
FNB Islamic Banking recipients. Pricing is determined on a tiered
FNB Trust account basis. As per the table, clients processing large Reversal of incorrect eWallet Pro transaction

numbers of transactions will enjoy discounted
Reversal of incorrect eWallet Pro transaction fee R55
fees when their volumes increase. Billing takes
Credit products
place at the end of each month. eWallet Pro card fees
Fleet services
Card ordering fee R30.25 per card
Merchant services eWallet Pro is only available on Online
Foreign exchange Banking EnterpriseTM.
Contact us
56
Receipt-IT
FNB Business
Receipt-IT is a product that is designed to Receipt-IT
provide you with a real-time notification of all
Supporting your business Monthly access fee FREE
financial transactions that have cleared into
Ways to bank
your account. Non-financial transaction fees
Business accounts
Message send or resend per message R0.95
FNB First Business Zero account This enables you to know that a debtor has paid
Message download per message FREE
FNB Gold Business account into your account, so that you can take action
FNB Platinum Business account and automatically update your cashbook in
real-time. The notifications are sent directly into
your line of business system, eliminating manual
FNB Islamic Banking
intervention and enables you to fully automate Host statements
FNB Trust account
your debtor’s ledger update.
SWIFT MT9401
Credit products Benefits: Statements (per page) R4.09
Fleet services As per

• Real-time automated cash book update – Statements via FileAct
quote
Merchant services once the notification is sent, you can update
your cashbook Host to host statements sent via SFTP
Foreign exchange (Secure File Transfer Protocol)
• Real-time debtor’s ledger update –
Savings and cash investments improving the service offered to your clients Per account R40
Digital banking solutions • Compatible integration Statement recreated R238
Important information • Flexibility by giving you the option of which
Contact us transactions you want to be notified on access
SWIFT MT940 are host to host statements sent via SFTP (Secure File Transfer Protocol)
1
to managing your account by using transaction

history/statements, storage of transfers, once-off,
nominated payments and collection batches.
57
Important Information
FNB Business
Remember the following points when deciding which of our solutions best suit your needs:
FNB, a division of FirstRand Bank Ltd, reserves the right to change fees or introduce new fees from time to time.
Ways to bank
If we do this, we will give you at least 20 business days’ notice of these changes. You’ll find changes on FNB’s
Business accounts website or FNB ATMs, and/or on your bank statement.
FNB Gold Business account • We strive to keep the information provided in the pricing • FNB reserves the right to change the features of
guide as accurate as possible, and we will not be held any product or facility at any time.
responsible if an error or omission is found. • Fees quoted as “per R100” include parts thereof.
• You must apply for each facility or product we describe • Where cellphone banking is referred to, standard network-
FNB Islamic Banking individually. The grant of any facility or product is subject rates apply.
FNB Trust account to you meeting and continuing to meet the criteria for that
facility or product. • All fees quoted are VAT-inclusive and are effective
General transaction fees from 1 July 2022.
• Each facility or product has standard terms and conditions
Credit products that apply to that facility or product. We agree to these terms
Fleet services and conditions with the applicant. If there is disagreement
between the product or facility-specific terms and conditions
Merchant services and what is outlined in this pricing guide, we will follow the
Foreign exchange product or facility-specific terms and conditions that apply
to such a facility or product.
Contact us
58
Standard terminology
FNB Business
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,
Supporting your business we have used standardised terminology throughout this guide. For instances where we have used FNB-specific terminology, we have
Ways to bank added the table to follow indicating the appropriate standardised terminology that may be used by other banks.
Business accounts
FNB Platinum Business account Glossary of terms

FNB term (as used in guide) Standard terminology
FNB Islamic Banking
Card purchase Card transaction
FNB Trust account
Scheduled payment Stop order to thired-party
Credit products Scheduled transfer Stop order to one of your own accounts at the same bank
Fleet services A service fee charged for each payment honoured where there is not
Payment honouring fee
enough money in your transactional account
Merchant services
FNB Online Banking for Business, Online Banking Enterprise, FNB
FNB digital banking channels
Foreign exchange ATMS, FNB Business Desk. Interactive Voice Response (IVR) FNB App
Savings and cash investments Instead of using ATMs, you can withdraw cash from participating
Cash@Till®
retailers using Cash@Till®
Contact us
59
FNB Business
Supporting your business Contact us

Ways to bank
For more information on our
Business accounts
business banking solutions:
FNB Gold Business account Contact your business banker

FNB Platinum Business account Visit fnb.co.za and click on the
FNB Healthcare account “For My Business” tab
Call 0877 362 247
FNB Islamic Banking
FNB Trust account
Credit products
Fleet services
Merchant services
Foreign exchange
Contact us
60

SA's SME Bank To Help Start, Run and Grow Your Business

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SA's SME Bank To Help Start, Run and Grow Your Business

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With FNB Business, I not only

save on fees but I also earn eBucks

SA’s SME bank to

Terms, conditions and earn rules apply.

FNB First Business Zero account

FNB Gold Business account Fundaba eBucks Rewards for Business

Supporting your business

Ways to bank FNB App

FNB First Business Zero account

FNB Trust account

Supporting your business

Ways to bank 24/7 Business desk FNB Branch services

FNB Islamic Banking

Savings and cash investments

Important information FNB ADTs give you the ability to withdraw

FNB First Business Zero account

FNB Gold Business account

FNB Platinum Business account

FNB Healthcare account

FNB Islamic Banking

Credit products Monthly account fee

FNB First Business Zero account

FNB Healthcare account • The first deposit into your account

Ways to bank Monthly account fee R0

FNB Healthcare account External debit order R4

FNB Islamic Banking Electronic Fund Transfer (EFT) R1.50

FNB Trust account

Foreign exchange Payment honouring, unpaid and decline fees FREE

Savings and cash investments

Digital banking solutions

Additional products to consider

*Immediate payment refers to Pay&Clear Now and FNB Instant Payment

FNB First Business Zero account

General transaction fees

* Limited to R3000 per transaction

Supporting your business

FNB Gold Business account R83

Savings and cash investments

Digital banking solutions

Supporting your business

FNB Platinum Business account 10 FREE (across Electronic third-party

Up to R3 000 is R10 per transaction 1 FREE, 1 FREE,

Supporting your business

FNB Gold Business account

FNB First Business Zero account

FNB Gold Business account

Supporting your business

FNB Gold Business account R140

Savings and cash investments

Digital banking solutions

Supporting your business Pay-As-You-Use

FNB First Business Zero account Electronic payments

FNB Platinum Business account Internal debit orders (Debit

Merchant services FNB Debit card purchases or card swipes thereafter R

Up to R3 000 is R10 per transaction 1 FREE, 1 FREE,

2 FREE, thereafter max 2 FREE, thereafter max

Supporting your business

FNB Gold Business account

Our healthcare solutions provide a gateway to a holistic offering

16 * Limited to R3000 per transaction.

Supporting your business

FNB Platinum Business account

Savings and cash investments