Discounted Weekly Food Vouchers For Bread, Milk, Veggies and Canned Food

I get great value and rewards
with my FNB Easy account.

With rewards like grocery vouchers I can stretch
my rands for me and my family
FNB Easy PAYU

Discounted weekly food vouchers for
bread, milk, veggies and canned food
FNB Easy Smart

Unlimited electronic transactions
plus up to R150 in monthly rewards
FNB Easy 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).
FNB Easy PAYU, still only R4.95
FNB Easy PAYU (Pay-As-You-Use) is still only R4.95

FNB Easy PLUS you pay only R5 for items like bread, milk,
Annual Pricing Guide 2022-2023
veggies and canned foods valued at R15,
for you and your family.
FNB Easy
Get more Enjoy the following benefits for free:

• 1 eWallet send per month on the FNB App
Product comparison
• Buy prepaid airtime and data on the FNB App,
General fees
Important information
cellphone banking and online banking
• Unlimited card swipes
R4.95p.m.
FNB Easy PAYU (Pay-As-You-Use)
The small print • Withdraw cash at selected retailers using Cash@Till
• InContact notifications
Standard terminology
• Access to an FNB Virtual Card
Contact us

Enjoy SA’s best rewards to stretch

your rand for you and your family:
• Get weekly grocery vouchers when you swipe your
FNB Easy card at Shoprite/Checkers/Usave. Pay only
R5 for items like bread, milk and canned foods
valued at R15
• Start saving from as little as R1 every time you
swipe your FNB Easy card with Bank-your-change
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
FNB is proud to offer you an FNB Islamic Easy account, with similar value-adds, reward benefits and pricing as an easy account. FNB’s Islamic offering also offers a linked Islamic savings account where you can earn a monthly competitive
profit share. For more information, contact the Islamic banking suite on 087 575 3279
FNB Easy Smart, the account that gives you more
value and the best rewards for you and your family
With FNB Easy Smart, for only R62 a month you get up to R150
per month back in eBucks when you swipe your FNB Easy card at
FNB Easy Shoprite, Usave, Checkers, Clicks and Intercape.
Annual Pricing Guide 2022-2023 Enjoy the following benefits for free:
• Unlimited electronic transactions: electronic payments (EFT’s),
FNB Easy
internal and external debit orders,prepaid airtime and data
purchases
Get more • 2 eWallet sends per month on the FNB App
Product comparison • Withdraw or deposit up to R2 000 per month at an FNB ATM
• Withdraw cash at selected retailers using Cash@Till
General fees
• InContact Notifications R62p.m.
• 24/7 medical advice, legal and financial coaching. FNB Easy Smart
The small print Call the toll-free number 0800 611 269
Standard terminology • Access to an FNB Virtual Card
Contact us
FNB Easy Smart, the account that gives you more value and the best
rewards for you and your family • Customers that do not qualify for eBucks will get 200MB of extra
• Up to R150p.m back in eBucks when you swipe your data each month on their FNB Connect SIM Card when they meet
FNB Easy card at Checkers, Shoprite, Usave, Clicks and Intercape the minimum spend* of R51 (max 3 allocations)
• Get 300MB data, 30 voice minutes, 30 SMSs on your FNB Connect • Start saving from as little as R1 every time you
SIM. Plus get rewarded with 300MB extra data every month when you swipe your FNB Easy card with Bank-your-change
spend* R51 or more on your FNB Connect SIM card and qualify for • Access to Udemy, GuardMe, The Entertainer App,
eBucks Rewards at the time that you spend eBucks games and Snapplify
• Seniors 60 years of age and above will receive 1GB extra every month
on your FNB Connect SIM Card when you meet the minimum spend* of
R51 and qualify for eBucks at the time you meet the spend* minimum
*Please view the terms and conditions on fnb.co.za
FNB is proud to offer you an FNB Islamic Easy account, with similar value-adds, reward benefits and pricing as an easy account. FNB’s Islamic offering also offers a linked Islamic savings account where you can earn a monthly competitive
profit share. For more information, contact the Islamic banking suite on 087 575 3279
Get more value with an FNB Easy Account
Receive money Savings and Cash Investments

FNB Easy • Receive payments from other banks • Bank your Change® into a linked savings
• Transfer money received from your linked account with competitive interest rates
Annual Pricing Guide 2022-2023 eWallet into your account at no cost to you • It’s easy to save with a scheduled transfer
• Deposit cash using at selected retailers • Save through our new digital
using Deposit@Till or at any FNB ATM stokvel account
FNB Easy with deposit facilities • Let us help you spend less
than you earn with nav»Money
Get more
Product comparison Send money

General fees • eWallet allows you to send money from FNB Connect
your account to anyone with a valid • Get rewarded with 300MB data, 30 voice
Important information South African cellphone number minutes and 30 SMSs on your
• Send money by simply using the FNB FNB Connect SIM plus get rewarded with
The small print App or by dialling *120*321# 300MB extra data when you spend R51 or
more on your FNB Connect SIM during the
month and qualify for eBucks*
Contact us • Seniors 60 years of age and above will receive
Make payments 1GB extra every month on your FNB Connect
• You can make payments to SIM Card when you meet the minimum spend*
any South African bank account of R51 and qualify for eBucks at the time you
meet the spend* minimum. Excludes Easy
• You can pay for items such as your
PayU
DSTV and clothing accounts
• Customers that do not qualify for eBucks will
get 200MB of extra data each month on their
FNB Connect SIM Card when they meet the
Unsecured lending minimum spend* of R51 (max 3 allocations).
Excludes Easy PayU
• Get an interest-free FNB Temporary Loan
and pay one initiation fee for those
unplanned expenses
• Switch your credit into one
convenient personal loan
*Please view the terms and conditions on fnb.co.za

**Offer excludes Easy PAYU
Get more value with an FNB Easy Account (continued)
Bank safely Insurance

FNB Easy • Download the FNB App • Affordable funeral cover of up to
• Cellphone banking - Dial *120*321# R100 000, with an option to cover
• Visit FNB.mobi. on your phone browser up to 21 family members per plan
• Make use of our dedicated Easy Service • Health cash plan that gives you cash
FNB Easy Suite to cater to your everyday banking if you are hospitalised or diagnosed
needs on 087 575 3279 with a critical illness
Get more • Debt protection plans
Product comparison
General fees
Get rewarded
The small print Easy PAYU Home finance solutions
• Get weekly grocery vouchers when you • You can now buy a home with up to 12
Standard terminology swipe your FNB Easy card at Shoprite/ family members or friends with collective
Checkers/Usave. Pay only R5 for items like buying and share the monthly repayments
Contact us bread, milk and canned foods valued at R15 with people you trust
• You could get a once off government
Easy Smart subsidy (FLISP) of up to R130 000, if you
• Get up to R50 back in eBucks at Shoprite/ earn between R3501 and R22 000 at no
Checkers / USave cost to you when you apply for a home
• Get up to R50 back in eBucks at Clicks loan. Subject to FLISP criteria
• Get up to R50 back in eBucks at Intercape
• Get a grocery hamper of up to R500 per
year with eBucks
• Get Access to Udemy, GuardMe,
The Entertainer App, eBucks games
and Snapplify
• For more information on eBucks earn rules
and rewards please visit the eBucks.com
For more information on eBucks earn rules and rewards please visit the eBucks.com
Product comparison
FNB Easy PAYU – R4.95 p.m.1 FNB Easy Smart – R62 p.m.
FNB Easy
Card swipes No charge No charge
R7 per R1000 up to R2000, R2000 per month at no cost,
Cash withdrawals: FNB ATM
thereafter R2.30 per R100 at ATM thereafter R2.30 per R100
FNB Easy
Get more Cash withdrawals: non-FNB ATMs R12 + R2.30 per R100* R12 + R2.30 per R100*
Product comparison
Cardless withdrawals: FNB ATMs R1.15 per R100 R1.15 per R1002
General fees
Cash@Till® No charge No charge
The small print Deposit@Till R19.953 R19.953
Standard terminology No charge up to R2 000 p.m

Cash deposits at FNB ATM (with deposit facilities) R1.30 per R100
thereafter R1.30 per R100
Contact us
Cellphone banking mini statements No charge No charge
Cellphone banking, online banking and inContact subscriptions No charge No charge
inContact notifications No charge No charge
Balance enquiries on online banking and the FNB Banking App No charge No charge
1
No monthly account fees on easy digital options or easy account with zero monthly account fee
2
Including FNB Mini ATMs and cardless cash
3
Pricing is determined by merchant and is subject to change. Available at selected merchants, Checkers, Shoprite, Usave, PnP stores and Boxer Stores.
*If you withdraw cash at another banks’ ATM on the 1st, 3rd, 25th or 31st of the month, the R12 portion of the fee will be rebated
Product comparison (continued)
FNB Easy PAYU – R4.95 p.m.1 FNB Easy Smart – R62 p.m.
FNB Easy
Transfers and scheduled transfers via online banking
No charge No charge
Annual Pricing Guide 2022-2023 and FNB Banking App
Internal debit orders No charge No charge

FNB Easy
Get more FNB Connect airtime purchases via online banking or mobile channels No charge No charge
Product comparison
Scheduled payments via online banking and the FNB Banking App No charge No charge
General fees
Payments via online banking or mobile channels R1 Unlimited at no charge
The small print External debit orders R3.50 Unlimited at no charge
Standard terminology Prepaid Airtime Purchases

Contact us
App and online No charge No charge
R0.01-R10.00: R0.50
USSD No charge R10.01-R25.00: R1.00
R25.01+: R2.00
1
No monthly account fees on easy digital options or easy account with zero monthly account fee
General fees (continued)
Prepaid purchases Balance enquiries

FNB Easy
Annual Pricing Guide 2022-2023 Prepaid Airtime Purchases (App, Online) No charge Using mobile and eChannels No charge
FNB Easy Prepaid Purchases - Other Banks ATMS R15 Point-of-sale R1.75
Get more Other banks’ ATMs, international point-of-sale,

Connect All Channels No charge R7.30
branch or telephone banking (Consultant assisted)
Product comparison
General fees Buy Lotto and Powerball R2.70 Statements

Pay TV Prepaid Purchases R2.70 Current month emailed statement No charge
The small print
Prepaid Electricity R2.70 FNB ATM transaction list R3.75
Contact us DStv Payments R7 Historical statements – online banking No charge
Daily Lotto R1 Printing of statements – ATM with deposit facilities R3.75 (per page)
Emailing and printing of statements – branch and

R50 (per statement)
telephone banking
Interim/provisional statements R25 per page (max R50)
Transactions not mentioned above will be charged at the Pay-As-You-Use (PAYU) rates below.
FNB Easy
Card purchases
Local card purchases No charge
FNB Easy No charge
International card purchases (Commission and currency conversion
Get more
fee 2% of transaction value)
Product comparison
Cash withdrawals
General fees
Important information FNB Branch R80 + R2.85 per R100
The small print International ATM (additional 2% commission and conversion fees apply) R80
International Branch (additional 2% commission and conversion fees apply) R80 + R2.85 per R100
Contact us
Deposits
Cash deposit at FNB Branch R80 + R2.85 per R100
Linked account transfers
FNB Branch or telephone banking (consultant assisted) R80
Payments
FNB Easy
FNB Branch or telephone banking (consultant assisted) R80
2% of transaction
International Payments in Rands
value
FNB Easy
Get more Debit order management
Product comparison Stop payment – digital channels No charge
General fees Stop payment – telephone banking (consultant assisted) R40

Stop payment – branch R80
The small print
Debit order dispute – FNB App and online banking R5
Debit order dispute – telephone banking (consultant assisted) R45
Contact us
Debit order dispute – branch (consultant assisted) R45
Scheduled payment (establishment and amendment)
Online No charge
Consultant assisted R25
Additional statements (fee per month) Card replacement fees

FNB Easy
Daily R65 Replacement fee R125
Online Weekly R30 Courier delivery standard No charge
FNB Easy
Twice-monthly R17 Courier delivery scheduled R150
Get more
Daily R135 Branch delivery No charge
Product comparison
General fees Printed in branch Weekly R57 International delivery R730
Important information Twice-monthly R29 Urgent delivery R260
The small print

Unsuccessful transactions (insufficient funds)
FNB ATM No charge
Contact us
Point-of-sale, scheduled payment and
R8.50
other banks’ ATMs
Item paid/unpaid – insufficient funds R8.506
A service fee is charged for each payment honoured where there is not enough money in your transactional account
6
Credit fees Balance alert (fee per month)

FNB Easy
Revolving facility initiation fee (once-off) R155 Monthly R1.20
Revolving facility monthly fee (agreements from 6 May 2016) R696 Weekly R3.30
FNB Easy
Convenience and value-added services Daily R16
Get more
LOTTO™/Powerball, prepaid electricity R2.70* Payment notifications
Product comparison
General fees Daily Lotto R1 Email No charge
Important information DStv payments R7 SMS No charge
The small print Other fees

Entertainment, gaming, music and transport vouchers R2.70
Standard terminology Online banking account verification
R8 for PAYU R7
Pay and clear now (FNB accounts and other banks’ accounts)
Contact us R45 for Smart
FNB Instant Payment** R7 Online banking payment history (older than 3 months) R7
Account confirmation letter – online No charge
Electronic subscriptions services (fee per month)
My Limit alert R3.30
Scheduled Payments alert R3.30
* LOTTO™ purchases are excluded from the Islamic Easy account.

**Only available from 1 September 2022.
5
R69 will only be charged when customers make use of facility
eWallet
FNB Easy
Fees for sender
Send money from FNB account to eWallet R2 + R2.30 per R100
FNB Easy
Reversal of incorrect ‘send money to eWallet’ transaction – telephone/branch R65
Get more
Product comparison Reversal of incorrect ‘send money to eWallet’ transaction – cellphone banking R16.50
General fees
Fees for recipient
Monthly account fee No charge
The small print
Standard terminology Withdraw cash from an FNB ATM, FNB Mini ATM 1 withdrawal at no charge for each payment received (limited to Max. 4 at any time)8
Contact us Withdraw cash at selected retailers No charge
Prepaid airtime transaction fee (Cellphone banking) No charge
Prepaid electricity R2.70
Inactivity fee per month (after 6 months of inactivity) R4.95
Transfer from your eWallet to your FNB account No charge
eWallet balance enquiry No charge
eWallet mini-statement No charge
8
Thereafter R11 per withdrawal from an FNB ATM and no charge per withdrawal from a participating retailer
Home Finance
FNB Easy
Monthly service fee - New customers R69
Monthly service fee - Existing customers No change in fee*
FNB Easy
Once-off initiation fee - New home loan R6 037.50
Get more
Product comparison • These fees are in accordance with the National Credit Act 34 of 2005 as applicable to your home loan
agreement.
General fees • The fees quoted are VAT inclusive.
Important information • The monthly service fee applicable to your home loan will be charged irrespective of the balance outstanding
and will only cease when the bond is cancelled at the deeds office.
The small print • For more information, please refer to the FNB Home Finance pricing guide on the FNB website
Contact us
* Existing customers that enter into a new agreement will be charged a monthly service fee of R69 once approved.
MoneyGram9 MoneyGram9
FNB Easy
Send amount (USD) Send fee (USD) Send amount (USD) Send fee (USD)
$0 - $50 $7 $700 - $800 $39
FNB Easy
$50 - $100 $10 $800 - $900 $44
Get more
$100 - $150 $11 $900 - $1 000 $49
Product comparison
General fees $150 - $200 $13 $1 000 - $1 200 $55
Important information $200 - $250 $15 $1 200 - $1 500 $63
The small print

$250 - $300 $17 $1 500 - $1 800 $70
$300 - $400 $19 $1 800 - $2 500 $90
Contact us
$400 - $500 $24 $2 500 - $5 000 $140
$500 - $600 $29 $5 000 - $7 500 $240
$600 - $700 $34 $7 500 - $8 000 $290
9
MoneyGram fees exclude VAT.
Gear up your finances to unlock cashflow
Set and manage your financial goals on the FNB App to get the best benefit from your account
nav» Money
FNB Easy
Annual Pricing Guide 2022-2023 1 4
FNB Easy Track to spend Credit status

Get more Understand your money in and View your free credit status,
Product comparison
money out. And view your personalised tips and offers
auto-categorised spend
General fees
The small print 2 5
Standard terminology Smart budget Savings goal

Contact us Set budget alerts and get Set, track and pause savings goals
notified along the way
3 6
Available funds Money coach

Understand how much you will have Get money smart with podcasts,
left before the end of your month tips and quizzes
FNB Easy Important information
FNB Easy The small print

Get more
Product comparison
General fees
The small print
Contact us
The small print
Information on our products and prices

FNB Easy
• FNB, a division of FirstRand Bank Ltd. reserves the right to • If there is disagreement between the product or facility
Annual Pricing Guide 2022-2023 change fees or introduce new fees from time to time. If we do specific terms and conditions and what’s outlined in this
this, though, we’ll give you at least 20 business days’ notice of pricing guide, we’ll follow the product or facility-specific
FNB Easy these changes. You’ll find these changes on FNB’s website terms and conditions that apply to such a facility or product
Get more • We strive to keep the information provided in the pricing • FNB reserves the right to change the features of any product
Product comparison guide as accurate as possible, and should you have any or facility at any time
queries kindly contact 087 575 9404. Standard network • Fees quoted as “per R100” include parts thereof
General fees
rates apply
Important information • Where cellphone banking is referred to, standard network
• You must apply for each facility or product individually rates apply
The small print
• The granting of any facility or product is subject to you • The MoneyGram fees are exclusive of VAT unless
meeting the qualifying criteria of that product or facility otherwise indicated
Contact us
• Each facility or product has a set of terms and conditions • All fees quoted are VAT inclusive, unless otherwise indicated,
for that specific facility or product. The applicant accepts an and are effective from 1 July 2022 - 30 June 2023
agreement with us that details the terms and conditions
If you want to compare FNB’s fees with those of other banks, we have, as far as possible, used standard
FNB Easy 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.
FNB Easy
Get more
Product comparison Glossary of terms
General fees
FNB term (As Used In Guide) Standard terminology
Card purchase Card transaction
The small print
Payment Third party payment/stop order
Contact us Slimline devices Mini ATMs
Online banking, telephone banking,

eChannels
Interactive Voice Response (IVR) and FNB ATMs
Mobile channels Cellphone banking and the FNB App
FNB Easy Contact us
Annual Pricing Guide 2022-2023 For more information on our
easy banking solutions
FNB Easy
call us on 087 575 3279,
Get more or visit the FNB App
Product comparison Terms, conditions and rules apply.
General fees
The small print
Contact us

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I get great value and rewards

with my FNB Easy account.

FNB Easy PAYU

FNB Easy Smart

FNB Easy Annual Pricing Guide

FNB Easy PAYU (Pay-As-You-Use) is still only R4.95

Get more Enjoy the following benefits for free:

Enjoy SA’s best rewards to stretch

Receive money Savings and Cash Investments

Product comparison Send money

*Please view the terms and conditions on fnb.co.za

Bank safely Insurance

The small print Deposit@Till R19.953 R19.953

Standard terminology No charge up to R2 000 p.m

Cellphone banking mini statements No charge No charge

Cellphone banking, online banking and inContact subscriptions No charge No charge

inContact notifications No charge No charge

Internal debit orders No charge No charge

The small print External debit orders R3.50 Unlimited at no charge

Standard terminology Prepaid Airtime Purchases

Prepaid purchases Balance enquiries

Get more Other banks’ ATMs, international point-of-sale,

General fees Buy Lotto and Powerball R2.70 Statements

Contact us DStv Payments R7 Historical statements – online banking No charge

Emailing and printing of statements – branch and

Interim/provisional statements R25 per page (max R50)

Important information FNB Branch R80 + R2.85 per R100

Cash deposit at FNB Branch R80 + R2.85 per R100

Linked account transfers

FNB Branch or telephone banking (consultant assisted) R80

Get more Debit order management

Product comparison Stop payment – digital channels No charge

General fees Stop payment – telephone banking (consultant assisted) R40

Scheduled payment (establishment and amendment)

Consultant assisted R25

Additional statements (fee per month) Card replacement fees

General fees Printed in branch Weekly R57 International delivery R730

Important information Twice-monthly R29 Urgent delivery R260

The small print

Item paid/unpaid – insufficient funds R8.506

Credit fees Balance alert (fee per month)

General fees Daily Lotto R1 Email No charge

Important information DStv payments R7 SMS No charge

The small print Other fees

Account confirmation letter – online No charge

Electronic subscriptions services (fee per month)

My Limit alert R3.30

Scheduled Payments alert R3.30

* LOTTO™ purchases are excluded from the Islamic Easy account.

Contact us Withdraw cash at selected retailers No charge

Prepaid airtime transaction fee (Cellphone banking) No charge

Prepaid electricity R2.70

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

Transfer from your eWallet to your FNB account No charge

eWallet balance enquiry No charge

eWallet mini-statement No charge

General fees $150 - $200 $13 $1 000 - $1 200 $55

Important information $200 - $250 $15 $1 200 - $1 500 $63

The small print

$500 - $600 $29 $5 000 - $7 500 $240

$600 - $700 $34 $7 500 - $8 000 $290

FNB Easy Track to spend Credit status

The small print 2 5