Index Introduction

Business Banking At FNB, we realise that businesses need to know what

Introduction 1 they are paying for. That is why we offer you the flexibility
Pricing to choose the most suitable product and pricing option
Guide for your business. We carefully review our fees for our
Business Product Offering 2
1 July 2012 to
30 June 2013 Business clients each year, to make sure that you get the
Pricing Options best possible value from our services.

FNB reviews its fee structures and pricing yearly. This guide shows our
The Single Fee Pricing Option 2
VAT inclusive prices effective from 1 July 2012 until 30 June 2013.

The Pay-As-You-Use Pricing Option
Business Investment Accounts
Business SuperSave Account
FNB Cellphone Banking for Businesses
FNB Online Banking
2 Our commitment is to ensure that you get the best possible value; in
the following ways:
4
1. In order for your business to save on business costs the
following services will be offered FREE of charge
6
• FNB ATM balance enquiries
• Debit Order switching
6 • inContact-Pro
• No subscription fees for Online Banking, FNB Telephone Banking
and Cellphone Banking for Businesses
7
• BizNetwork Membership
• FNB Instant Accounting

We add value
International Banking
9 • Emailed statements
(Foreign Exchange and Trade) • Monthly statement (collected from Branch)

to help your
Business Credit Card 9 2. Fees that are Unchanged
• Stop Payment: Online Banking
Important Information 11

business
• Balance Alerts
• Scheduled Payment Alert
• Emailing of Historical Statements
• Monthly Credit Fee

succeed. •
•
•
Monthly Incidental Credit Fee
CashBack at Point of Sale
My Limit Alert

How to find out more

Not all Business Account pricing is shown. If you need more detailed
information about our pricing or managing your business, please:

• Visit our website on www.fnb.co.za (Business Banking section)

• Ask your Branch Manager

1
Business Product Offering You have two Pricing Options: 2. The Pay-As-You-Use Pricing Option

1. The Single Fee Pricing Option You are charged for each transaction at the applicable fee as tabled
below.
Choosing the best pricing option for the way that you transact and
Business Account Monthly Fees Fee
to suit your needs could save you a considerable amount in bank
FNB’s Business Account is suited to sole proprietors, partnerships, charges each month. If you want to know your service fees upfront Business Account
R52.00
This includes: Monthly Debit Card Fee, and Lost Card Protection
close corporations, companies, incorporated businesses, trusts and and prefer not to have to monitor your transaction fees each month, Business Petrol Card Fee R12.50
co-operatives. It is a versatile and convenient solution that helps you FNB Business Banking will soon introduce the Single Fee Pricing
perform and manage your everyday payments and receipts. Option for electronic transactions. For a fixed monthly fee, Business
Purchases Fee
owners will be able to perform:
The Business Account offers negotiated pricing (dependent Prepaid Purchases

on your relationship with FNB) on: FNB Electronic Channels only R1.00
Transaction Type Threshold (per month) Monthly Fee At other Bank’s ATM R7.00
• Cash Deposit Fee FNB Telephone Banking (consultant assisted) R10.00
FNB Electronic Debit
• Cash Handling Fee transactions subject to a Card Purchases
maximum of 5 FNB ATM 30 transactions per month
• Cheque Service Fee and FNB ATM Advance FNB Business (local and international) R2.90
Cash withdrawals FNB Business Petrol Card Purchases R4.20
• Overdraft Interest Rate
10 transactions per month for R169.50
Cash Deposited at FNB ATM
• Cheque Deposit Fee Advance terminals only
total cash deposited of R20,000
per month
• Cash Deposit at an FNB ATM Advance terminal Payments and Transfers Fee
Point of Sale Purchases Unlimited
Pre-Paid Purchases (FNB Linked Account Transfers
Unlimited
Electronic channels only) Electronic Transfers 1 R3.60
Consultant Assisted Transfers (Branch and Telephone Banking) R30.00

The Shari’ah-compliant Business Account Payments

You will be charged for items in excess of the limit at an additional Electronic Third Party Payments 1 Max R8.30
This account offers similar features and pricing to the Business per item fee. Internal Debit Orders 2 R3.60

Account. The main differences are: External Debit Orders R15.00

Items in excess of these thresholds will be priced as follows: Cheque Payments R42.00
• Juristic entities must have a minimum balance of R1000
Consultant Assisted Third Party Payments (Branch and Telephone Banking) R30.00
• Sole Proprietors must have a minimum balance of R750 FNB Electronic Debit Transactions (per transaction) R14.00
Issue of Bank Cheques (Per cheque) R70.00
R3.75 plus R0.85 per R100
• No debit or credit interest Cash Deposited at FNB ATM Advance
or part thereof Pay & Clear Now
• No overdraft facilities Payments under R 5 million R60.00
Payments over R 5 million R44.00
Transactions not included are Cheque, branch transactions, Express Clearing Payments (Online Banking and FNB Branch)
R38.00
(participating banks only)
transactions using Online Banking Enterprise (Role Separation) and
Scheduled Payments
non-FNB transactions as well as any special instructions or penalty
Scheduled Payment Establishment / Amendment Fees (Online Banking) Free
fees. These and other fees are charged for at the applicable rates as
Scheduled Payment Establishment Fees (FNB Branch) R12.00
tabled in this guide. Scheduled Payment Amendment Fees (FNB Branch) R9.00
Stop Payment Instructions
Online Banking R10.00
Branch R70.00
Telephone R35.00
Beneficiary Notification for Payments
E-mail R 0.68
SMS R 1.05
Fax R 4.85

Back to Index 2
 eWallet Pro Fee amount Deposits Fee Balance Enquiries
0 Sponsored FNB 1 Sponsored FNB 2 Sponsored FNB Cheques FNB ATM & Telephone Banking (IVR) Free
eWallet Pro - ATM or Cashback ATM or Cashback ATM or Cashback
Volumes at Point of Sale at Point of Sale at Point of Sale Deposit at FNB ATM with Cellphone Banking for Businesses - Single Account Enquiry R0.50
R16.00
withdrawals withdrawals withdrawals Envelope or ATM Advance5 Cellphone Banking for Businesses - All Account Enquiries R1.25
1 - 30 R8.00 R15.00 R22.00 Deposit at Branch (per deposit)5 R16.00 Point-of-Sale (FNB Business Visa Electron Full Function Debit
31 - 100 R7.50 R14.00 R20.00 R1.35
Cheque value exceeding R 500 000.00 5
R450.00 Cards only)
101 - 250 R6.00 R13.00 R19.00 Branch and Telephone Banking (consultant assisted) R3.95
Special Clearance (per cheque) R75.00
251 - 1000 R5.50 R12.00 R18.00 International / Other Bank’s ATM R3.95
Cash
1000+ R5.00 R11.00 R17.00 International Point-of-Sale Balance Enquiries R2.50
R3.75 + R0.68 per R100
FNB ATM Advance
or part thereof Statements
How to calculate your fees: R7.90 + R1.28 per R100
FNB Branch and FNB ATM with Envelope Deposit6 Monthly Posted Statement R10.50
or part thereof
Pricing has moved to a tiered basis. The rate per transaction is dependent on the number of Current month e-mailed statement Free
transactions per month. For example, if you do 153 transactions on a 1 Sponsor contract in R5.00 + negotiated fee
FNB Bulk Cash Deposits and SBV Cash Service Centres 6
a month your fees will be: 153 x R13.00. Clients making large numbers of transactions will per R100 or part thereof First official monthly statement if collected at an FNB branch Free
enjoy significant discounts as their volumes increase.
Referenced Deposits Mini Statement (FNB ATM) R2.80
Over the counter: Partial or Full Validation R3.82 e-Mailing of historical statments (Older than 2 months) R5.50
PayPal Commission3 1.5 % of Rand value Electronic Reference Validation (FNB customers only) R1.59 Provisional Statement (Branch and Telephone Banking) R9.90 per page
1.
FNB ATM, Online Banking (No Role Separation), Scheduled Transactions, Telephone Additional Statements (fee per month) Paper Online
Banking (IVR) and Cellphone Banking for Business. Daily R75.00 R42.00
Cash Withdrawals Fee 2.
Debit Orders raised by FNB Card, FNB Home Loans, WesBank, FNB Loans, FNB Funeral Cover.
3.
Refer to www.PayPal.com for additional PayPal fees. Weekly R30.00 R19.00
CashBack at Point of Sale
R0.90 4.
Withdrawal limits may apply.
(Electron Debit Card only)4 Twice Monthly R15.00 R10.50
5.
The standard cheque clearance period may take up to 10 days. Clearance could differ
FNB Mini ATM4 R1.60 + R0.48 per R100 or part thereof per account and acceptance of some cheques is subject to changes in legislation. Credit Related Fees (applicable to NCA Clients)
Other Bank’s Mini ATM4 R2.15 + R0.75 per R100 or part thereof Kindly contact your branch for details. Monthly Credit Service Fee R57.00
6.
Negotiable on your Business Account depending on your relationship with FNB. Please
FNB ATM R3.75 + R1.22 per R100 or part thereof consult your Business Manager in your branch for more information regarding the Monthly Incidental Credit Fee R57.00
Other Bank’s ATM R10.25 + R1.22 per R100 or part thereof applicable fees. Other Fees
FNB Branch Cheque Service Fee (Minimum R34.00) + Cash Handling Fee Inward Unpaid Fee R77.00
Cash handling fee R1.35 per R100 or part thereof ENC Upliftment Fee R100.00
Other Account related fees applicable irrespective
Fee
International ATM R24.00 of pricing option or product selected. Deposit: Item received not listed / item listed not received / error
R55.00
in cast
International Branch Cash R24.00 + R1.50 per R 100 or part thereof Subscription Fees (per month) Delivery charge for Cards - only charged if multiple attempts to
R114.00
Online Banking, FNB Telephone Banking, Cellphone Banking for deliver have failed
Free
Businesses, inContact-Pro Penalty Fees
Scheduled Payment Alert Fee R2.75
Unpaid Cheques / Debit Orders (per item)7 R122.50
My Limit Alert R2.95
Honouring Fee8 R95.00
Balance Alerts
Deposit of post-dated cheque (per cheque) R80.00
Daily R14.80
Declined Transactions
Weekly R2.95
FNB ATM Free
Monthly R0.90
Cheque Books Other Bank’s ATM R6.50
40 Form R35.00 Other FNB (Point-of-Sale, Scheduled Payment, AEDO, NAEDO) R6.50
200 Form R110.00 Card Replacement Fee
Deposit Books Visa Electron Debit Card R65.00
100 pages (Non MICR) R27.50 FNB Petrol Card, Visa Cheque Card/ Chip-and-Pin Card R100.00
100 pages (MICR encoded) R27.50
7.
Increasing to R147.50 per item for the 4th and subsequent items within 12 months.
8.
Increasing to R120.00 per item for the 4th and subsequent items within 12 months.

Back to Index 3
Business Investment Accounts • 7 Day Interest Plus Payments
1
Electronic Third Party Payments R11.75
Access funds with 7 days notice with competitive interest rates. 2
Internal Debit Orders R3.60
• 32 Day Interest Plus
At First National Bank we understand the passion, 32 days notice is required to access funds. The longer notice
External Debit Orders R19.00
Cheque Payments R45.00
dedication and hard work you put into making your period encourages disciplined budgeting decisions. Consultant Assisted Third Party Payments (Branch and
R37.50
business a success. Telephone Banking)
Issue of Bank Cheques (Per cheque) R70.00
2. Fixed Deposits Scheduled Payments
That is why we offer you a range of solutions to invest Get a fixed investment term and fixed interest rate, with higher Scheduled Payment Establishment / Amendment Fees
Free
(Online Banking)
in your company’s future with one of our investment returns.
Scheduled Payment Establishment Fees (FNB Branch) R12.00
solutions. Grow capital for you business by investing • Fixed Deposit Account Scheduled Payment Amendment Fees ( FNB Branch) R9.00

today for tomorrow. A flexible fixed deposit which allows you to either select your Stop Payment Instructions
investment term, from 7 days to 60 months, or select your Online Banking R10.00
Branch R70.00
maturity date. You may also choose to capitalise your interest
Telephone R35.00
Demand Investment Accounts monthly, allowing you to earn interest on interest, or you may Beneficiary Notification for Payments
withdraw your interest on demand. Email R0.68
These investment accounts are suited to business owners who • Effective Rate Fixed Deposit SMS R1.05
Fax R4.85
want immediate access to their money while still having the Invest from 2 to 60 months and receive interest at maturity. Cash Withdrawals
flexibility to add funds at any time. CashBack at Point-of-Sale (Electron Debit Card only)³ R0.90
3. Flexi Fixed Deposits R1.60 + R0.48 per R100
FNB Mini ATM³
1. Money Market Transactor or part thereof
This account is fixed for 3 or 12 months. Cash can be invested at R2.15 + R0.75 per R100
The Money Market Transactor offers you transactional capability Other Bank’s Mini ATM³
or part thereof
a great interest rate while allowing you access to a portion of your
with the added benefit of earning interest on your daily balances. R3.75 + R1.22 per R100
funds. Money can also be added into the account at any time. FNB ATM
or part thereof
R10.25 + R1.22 per
Other Bank’s ATM
2. Money Market Investor R100 or part thereof
CSF Minimum R34.00 +
The Money Market Investor is preferable if you require limited Business Money Market Transactor Pricing
FNB Branch
Cash Handling Fee
transactional capabilities with easy access to your funds. Cash handling fee
R1.35 per R100 or part
thereof
Monthly Fees Fee
International ATM R24.00
3. Business Call Accounts Business Money Market Transactor
R42.50 R24.00 + R1.50 per
This includes: Monthly Debit Card Fee and Lost Card Protection International Branch Cash
R100 or part thereof
This account allows immediate access to your funds with
Business Petrol Card Fee (linked to account) R12.50 Deposits
attractive short term interest rates. Cheques
Puchases
Prepaid Purchases Deposit at FNB ATM with FNB ATM Advance R16.00
Deposit at Branch (per deposit) R16.00
FNB Electronic Channels only R1.00
Term Investment Accounts Cheque value exceeding R500,000 R450.00
At other Bank’s ATM R7.00
Special Clearance (per cheque) R75.00
FNB Telephone Banking (consultant assisted) R10.00
Cash
FNB offers the following term investment accounts with Card Purchases
R3.75 + R0.68 per R100
FNB Business (local and international) R2.90 FNB ATM Advance
competitive interest rates: or part thereof
FNB Business Petrol Card Purchases R4.20 R7.90 + R1.28 per R100
FNB Branch and FNB ATM with Envelope Deposits
Payments and Transfers or part thereof
1. Notice Deposit Accounts
Linked Account Transfers 1
FNB ATM, Online Banking (No Role Separation), Scheduled Transactions, Telephone
Notice deposit accounts require notice on the account (either Electronic Transfers
1
R3.60 Banking [IVR] and Cellphone Banking for Businesses
2
Debit Orders raised by FNB Card, FNB Home Loans, WesBank, FNB Loans,
7 or 32 days) before funds can be accessed. Two interest rate Consultant Assisted Transfers (Branch and Telephone Banking) R37.50 FNB Funeral Cover
increases apply, after 32 and 64 days providing higher returns. 3
Withdrawals limits may apply

Back to Index 4
 Other Account related fees applicable irrespective Pricing for the Business Money Market Investor and the Pricing for the Notice and Fixed Deposit Accounts
Fee
of pricing option or product selected.
Business Call Account
Subscription Fees (per month)

Effective Rate Fixed

Online Banking, FNB Telephone Banking, Cellphone Banking for Business

Deposit Account

Deposit Account
Free Business
Businesses, inContact-Pro Product Money Market

32 Day Interest
7 Day Interest
Call Account

Fixed Deposit

Flexi Fixed
Pus Account

Pus Account
Investor Account
Schedule Payment Alert Fee R2.75

Account
My Limit Alert R2.95 Free,
Monthly account Fee Free
Min Balance R10 000
Cheque Books Subscription fees - Online Banking, FNB
40 Form R35.00 Telephone Banking, Cellphone Banking Free Free Product
for Businesses, inContact-Pro
200 Form R110.00
Balance Enquiries - Other bank's ATM R3.95 R3.95 Monthly account Fee Free Free Free Free Free
Balance Enquiries
Balance Enquiries - FNB ATM, Telephone Subscription fees - Online Banking,
FNB ATM & Telephone Banking (IVR) Free Banking (IVR), Branch and Telephone Free Free FNB Telephone Banking, Cellphone Free Free Free Free Free
Banking (consultant assisted) Banking for Businesses, inContact-Pro
Cellphone Banking for Businesses - Single Account Enquiry R0.50
Linked Account Transfers Balance Enquiries - FNB ATM,
Cellphone Banking for Businesses - All Account Enquiries R1.25
Electronic Transfers R3.60 R3.60 Telephone Banking (IVR), Branch Free Free Free Free Free
Point-of-Sale (FNB Business Visa Electron full Function Debit and Telephone Banking (consultant
R1.35 Consultant Assisted Transfers (Branch
Cards only) R37.50 R37.50 assisted), Other bank's ATM
and Telephone Banking)
Branch and Telephone Banking (consultant assisted) R3.95 Payments Linked Account Transfers
International / Other Bank’s ATM R3.95 Electronic Third Party Payments Not available R11.75 Electronic Transfers As per terms and conditions
International Point-of-Sale Balance Enquiries R2.50 Consultant Assisted Third Party
Consultant Assisted Transfers
Statements Payments (Branch and Telephone Not available R37.50 As per terms and conditions
Banking) (Branch and Telephone Banking)
Monthly Posted Statement R10.50
Cash Withdrawals Payments
Current month e-mailed statement Free
FNB Branch R1.35 per R100 or part R1.35 per R100 or part Electronic Third Party Payments As per terms and conditions
First official monthly statement if collected at an FNB branch Free thereof , Min R34.00 thereof, Min R34.00
Consultant Assisted Third Party
Mini Statement (FNB ATM) R2.80 Deposits As per terms and conditions
Payments (Branch and Telephone
e-Mailing of historical statments (Older than 2 months) R5.50 Cheques Banking)
Provisional Statement (Branch and Telephone Banking) R9.90 per page Cheques deposited at FNB Branch or Deposits and Withdrawals
R16.00 R16.00
FNB ATM Advance
Additional Statements (fee per month) Paper Online Cash Withdrawals As per terms and conditions
Cash
Daily R75.00 R42.00 Deposits (Cheques and Cash Not
R3.75 + R0.68 per R3.75 + R0.68 per Free Free Free Free
Weekly R30.00 R19.00 FNB ATM Advance (All Channels)) Allowed
R100 or part thereof R100 or part thereof
Twice Monthly R15.00 R10.50 Cash deposited at FNB Branch and R7.90 + R1.28 per R7.90 + R1.28 per Statements
FNB ATM with Envelope Deposits R100 or part thereof R100 or part thereof
Credit Related Fees (applicable to NCA Clients) Emailing of Historical Statements
Statements Free Free Free Free Free
Monthly Credit Service Fee R57.00 (Older than 2 months) – per
Mini Statements (FNB ATM and statement
Monthly Incidental Credit Fee R57.00 Not available Free
Cellphone Banking for Businesses)
Transaction History / Detailed Free Free Free Free Free
Other Fees Emailing of Historical Statements (Older Balance Enquiry – Online Banking
R7.50 Not available
than 2 months) – per statement
Inward Unpaid Fee R77.00 Provisional Statement (Branch &
Transaction History / Detailed Balance Free Free Free Free Free
ENC Upliftment Fee R100.00 Free Free Telephone Banking) – per page
Enquiry – Online Banking
Penalty Fees Provisional Statement (Branch & Other fees
Telephone Banking) R9.90 per page R9.90 per page
Unpaid Cheques / Debit Orders (per item)7 R122.50 Not
Early redemption As per terms and conditions
Honouring Fee 8
R95.00 Other fees Allowed
Deposit of post-dated cheque (per cheque) R80.00 Inward Unpaid Fee R 77.00 R 77.00

Declined Transactions Deposit of post-dated cheque (per R 80.00 R 80.00

cheque)
FNB ATM Free
ENC Upliftment Fee (for cheque R 100.00 R 100.00
Other Bank’s ATM R6.50 deposited)
Other FNB (Point-of-Sale, Scheduled Payment, AEDO, NAEDO) R6.50 Special clearance (for cheque deposited) R 75.00 R 75.00
Card Replacement Fee Early redemption Not Applicable Not Applicable
Visa Electron Debit Card R65.00
FNB Petrol Card and Visa Cheque Card/ Chip-and-Pin Card R100.00
7.
Increasing to R147.50 per item for the 4th and subsequent items within 12 months.
8.
Increasing to R120.00 per item for the 4th and subsequent items within 12 months.

Back to Index 5
Business SuperSave Account FNB Cellphone Banking
Security
• Only registered cellphone numbers can perform transactions.

For a minimal monthly fee, you receive the following with our
book-based savings account:
for Businesses • Dual authorisation allows more than one user to authorise
transactions
• Daily limits are adjustable
Thanks to Cellphone Banking for Businesses from FNB
• Ten transactions each month if you have a balance of at least • The service can be suspended when a cellphone is lost or stolen
R8 000 in your Business SuperSave Account throughout the you can now securely perform your business banking
month. transactions anywhere, at any time, using any cellphone Mulitple Actions
• Free transactions do not include cash deposits, cheque on any network. • Balance Enquiries
deposits, cash handling fees, special instructions or penalty
fees. • Mini Statements
• Balance enquiries • Prepaid and Payment history
Who can benefit from this service?
• Inter-Account transfers (R100 000 daily limit)
Monthly Fees Fee
Cellphone Banking is for business men and women on the move, • Beneficiary Payments (R20 000 daily limit)
Monthly Fee R5.00
who seek the ultimate in 24-hour, on-the-spot banking. Wherever • Prepaid Purchase (R1 000 daily limit)
Subscription Fees (per month) you go, you don’t have to leave your account behind when you
Balance Enquiry via FNB Branch and Telephone Banking leave your office.
R3.95
(consultant assisted) What are the costs involved?
Deposits and Withdrawals
Cheque Deposit - FNB Branch and FNB ATM Advance (per cheque) R16.00 Key features and Benefits Cellphone Banking for Businesses Fee
R5.50 plus R1.28 Subscription Fee Free
Cash Deposit at FNB ATM Advance
per R100.00
Control All Prepaid Purchases R1.00
R17.50 plus R1.35
Cash Withdrawal at an FNB Branch Standard Network
per R100.00
• A Dual authorisation agreement offers you greater control Network Fee
Operator Fees apply
Lost Book Replacement
and security as a minimum of two users are involved in every Payments and Transfers
Issue of replacement book R22.00
transaction. Electronic Third Party Payments Max R8.30
Other Fees
Inward Unpaid Fee R77.00
• This includes SMS notifications for pending transactions awaiting Electronic Transfers R3.60

Deposit of post-dated cheque (per cheque) R80.00 your authorisation. Balance Enquiries
Cellphone Banking for Businesses - single account enquiry R0.50
ENC Upliftment Fee and Special clearance (for cheque deposited) R100.00
Cellphone Banking for Businesses - all account enquiries R1.25
Mobility
Statements
• Cellphone Banking for Businesses allows you to do your banking
Mini Statements R2.80
wherever you go

Convenience
• With Cellphone Banking for Businesses you are able to perform
international and financial transactions 24 hours a day, 7 days a
week, as and when you need to

Back to Index 6
 FNB Online Banking –No Role Separation
FNB Online Banking • One Time Pin to enhance security to Online Banking
How to calculate your fees:

Online Banking Enterprise is an Internet-based,
sophisticated electronic banking solution designed to meet
the needs of small, medium and large businesses. You can
use Online Banking Enterprise for services such as:
Pricing has moved to a tiered basis. You will be charged R8.30 per transaction for the first
50 transactions, R7.80 per transaction for the next 50 transactions, R6.65 per transaction
• Up to 5 Users with customised permissions to specific for the subsequent 150 transactions and so forth. For example, if you do 153 transactions
in a month your calculation will be the sum of: R8.30 X 50 + R7.80 X 50 + R6.65 X 53.
accounts Clients making large numbers of transactions will enjoy significant discounts as their
• Set-Up and maintenance of payment recipients online volumes increase.
• Recurring payments to automatically pay recipients
• Post-dating payments up to 12 months in advance Transfers
• Real-time payments to FNB banked recipients Electronic Transfers R3.60
Pay & Clear now: (Online Banking and FNB Branch
• Express Clearing (Real-Time) to recipients at Standard Bank, (participating banks only))
Absa and Capitec Payments under R5 million R60.00

FNB Online Banking Enterprise – Role Separation • Same-day value for payments to all banks if authorised within Payments over R5 million R44.00
cut-off times Payments under R5 million (Online Banking and FNB Branch)
R38.00
1
(RTC participants)
• Dual administration of Online Banking Enterprise user profiles • Referencing for all transactions to recipients
Statements
• Segregation of duties for users, customised per requirement • Remittance advice sent by fax, SMS or email
Emailing of current month statement (plus optional Workable
• Permit 1 to 9 signatories to authorise financial transactions • 60 days transaction history on FNB accounts Data Files)
Free

• Post-dating payments up to 12 months in advance • Share Investing Online Transactional History / Detailed Balance Enquiry – Online
Free
• Real-time payments to FNB banked recipients Banking
• Purchase of pre-paid airtime and electricity
Emailing of historical statements (last 3 months free) - per
• Same-day value for payments to all banks if authorised within • SARS eFiling payment interface statement
R5.50
cut-off times • Balance and limits alerts via sms Stop Payments Instructions
• Collections offering Same-day, 2 day or NAEDO service types • Manage your overdraft facility Online Banking R10.00
• Referencing for all transactions to recipients
Beneficiary Notification for Payments
• Remittance advice sent by fax, SMS or e-mail
Email R0.68
• Pay-to-day (near Real-Time) payments to recipients at Online Banking Pricing
SMS R1.05
participating banks
Fax R4.85
• Account Ownership Verification for recipients at participating FNB Online Banking – No Role Separation
banks 1 Standard Bank, ABSA and Capitec Only
• Full statement functionality offering multiple formats and delivery It is a simple, convenient and secure way of doing your banking and
options subscription to Online Banking is FREE of charge. This option caters FNB Online Banking Enterprise – Role Separation
• Sixty days transaction history on FNB accounts for up to 5 users with customized permissions to specific accounts.
• Multiple levels of access and authorisation – you can restrict or
With this option, you pay no monthly access fee and the first 2
allow access on selected FNB accounts
Electronic Third Party Payments Transaction Volume Table users are free.
• Digital certificates to enhance security of your Online Banking
Enterprise profile Financial Transaction Volumes - Electronic Third Party Pricing Per
Payments (FNB ATM, Scheduled Payments, Telephone Transaction • R38.00 per user for the next 10 users (3 to 12 users)
• Comprehensive audit trails to monitor user activity Banking (IVR) & Cellphone Banking for Businesses) (Vat incl.)
• Interface with SARS eFiling Up to and including 50 R8.30 • R27.00 per user for each subsequent user (more than 12
• Online Banking Enterprise can bill you for transactions at account 51 up to 100 R7.80 users)
level or to a nominated billing account within your profile 101 up to 250 R6.65
251 up to 500 R4.90
• Discounts financial and non-financial transactions based on Discounts depend on how many transactions you do.
501 up to 1000 R4.10
volumes processed, enabling cost efficiencies 1001 up to 10000 R3.80
10001 up to 20000 R2.70
Greater than 20 000 R2.00

Back to Index 7
 Other Transaction Fees Payable Fee Other Non-Financial Transactions
Financial Transaction Volumes - once-off payments, payments & collections
Batch Authorisation Alert by SMS R1.05
Monthly Fees
Pricing Per Transaction
Transaction Volumes per month Batch Authorisation Alert by Email R0.68
(Vat incl.) Collections Modular Fee R415.00
Up to and including 50 R8.30 Payment Notification by SMS R1.05
Delivery Mechanism of selected data by FTP or Xcom R166.00
51 up to 100 R7.80 Scheduled Payment Notification by SMS R1.05
Cash Management
101 up to 250 R6.65 Payment Notification by Email R0.68
Cash Management Fee R638.00
251 up to 500 R4.90 Scheduled Payment Notification by Email R0.68
Cash Management Reports per scheduled export R13.00
501 up to 1000 R4.10
Payment Notification by Fax R4.85
1001 up to 10000 R3.80 Notification of Cash Management structure changes by SMS R1.05
Account Verification- Batch R2.80
10001 up to 20000 R2.70 Notification of Cash Management structure changes by Email R0.68
Greater than 20 000 R2.00 Account Verification-Real Time (FNB Only) R3.90
Target balancing transfer Service fee
Account Verification notification by SMS R1.05
Statements
How to calculate your fees: Account Verification notification by Email R0.68
Current Monthly Statement per account by email Free
Other Fees
Pricing has moved to a tiered basis. You will be charged R8.30 per transaction for the first Historical Statements per account by email (last 3 months free) R 5.50
50 transactions, R7.80 per transaction for the next 50 transactions, R6.65 per transaction Scheduled exports of interim and final Statements per Reversal of processed EFT (successful or unsuccessful) R214.00
for the subsequent 150 transactions and so forth. For example, if you do 153 transactions account per month:
in a month your calculation will be the sum of: R8.30 X 50 + R7.80 X 50 + R6.65 X 53. Query of a disputed item R214.00
Clients making large numbers of transactions will enjoy significant discounts as their 15 Minutes R175.00 Query fee per transaction older than 3 months R85.00
volumes increase. Hourly R88.00 Reactivation per Administrator R170.00
Daily R42.00 Stop Payment instruction R10.00
Transfers Weekly R19.00 Deletion of Stop Payment for cheques R6.00
Electronic Transfers R3.60
Bi-weekly R10.50 Cheque images per cheque R5.50
Pay & Clear now: (Online Banking and FNB Branch
(participating banks only)) Once Off set up fee Export of archived billing report (current month free) R6.00
Payments under R5 million R60.00 Set-up fee R526.00 Download of detailed user report R6.00
Payments over R5 million R44.00 Support and Training Fees Import of user permissions R13.00
Payments under R5 million (Online Banking and FNB Branch) User training: Accession document completion for additional account linking to
1 R38.00 R117.00
(RTC participants) existing profile per entity
On-site at client offices R526.00
1
Standard Bank, ABSA and Capitec Only Recipient Maintenance done by FNB Online client support
Charge per km R3.07
(adding, maintaining, deleting)
Classroom training per candidate (Johannesburg only) Free Per Recipient R24.00
Enquiry Non Financials - transactional history enquires, balance enquires, Support fee (per Client request only) File upload R372.00
scheduled exports of transaction history, restoring of archived/deleted
batches, stop cheque enquiries, transaction detail search & search Charge per hour R526.00 Personal Security Key token/s issued per token (excl. delivery) R130.00
recipients payment history Charge per km R3.07 Personal Security Key Certificate per issue R70.00
Data Storage Personal Security Key annual certificate renewal fee R70.00
Pricing Per Transaction *
Transaction Volumes per month
(Vat incl.) Transaction History/Statements: Initiation of settlement limit changes per request R100.00
Up to and including 30 Free 60 Days Free Client Set-up
31 up to 1 000 R1.15 90 Days R50.00 Initial Hierarchy set up R526.00
Greater than 1 000 R1.00 120 Days R85.00 Hierarchy maintenance done by FNB Online client support
* These fees are charged per transaction per band. 150 Days R137.00 Special once off client set up request R526.00
180 Days R186.00 Subsequent hierarchy maintenance per request R117.00
How to calculate your fees:
Storage of transfers, un-nominated, nominated payments
Profile maintenance done by FNB Online client support
Pricing has moved to a tiered basis. Your first 30 transactions will be fee. Thereafter, you will and collection batches:
be charged R1.15 per transaction for the next 970 transactions and R1.00 per transaction First 5 users – per user R13.00
40 Days Free
for all subsequent transactions. For example, if you do 1153 transaction in a month your
calculation will be the sum of: R0.00 X 30 + R1.15 X 970 + R6.65 X 153. Clients making Next 10 users (6 – 15) – per user R18.00
60 Days R36.00
large numbers of transactions will enjoy significant discounts as their volumes increase Next 15 users (16 – 30) – per user R28.00
90 Days R50.00
Each subsequent user (>30) – per user R46.00
120 Days R85.00
150 Days R137.00

Back to Index 8
International Banking Travellers Cheques and Foreign Notes:
Purchase of Foreign Notes and Travellers Cheques
Fee
Business Credit Card
(Foreign Exchange and Trade) Travellers Cheques Commission* (Minimum R60.00)
Foreign Notes Commission* (Minimum R60.00)
1.85% of Rand value
1.85% of Rand value
Cash Passport
Initial Card Fee R100.00
A Business Credit Card gives low-cost and flexible access
Commission* (Minimum R55.00) 1.85% of Rand value to credit. It is a fast and simple way of paying and helps
Our International Banking products and solutions can Delivery Fee (applicable to Travellers Cheques and notes
as well)
R135.00 you manage your expenses.
help you strengthen your position and handle the Clients Selling - Branches
challenges of international trade. Encashment of Travellers Cheques:
American Express Commission* (Minimum R0.00) Free FNB Business Credit Card Value-add Services * Fee (per annum)
Other Brands Commission* (Minimum R60.00) 1.85% of Rand value
Business Gold, Travel Lodge, Buying Lodge R370.00
Our world-class systems and relationships with banks around Encashment of Foreign Notes: Commission*
1.85% of Rand value Business Silver, Aviation, Office Plus, Buying Credit R315.00
(Minimum R60.00)
the world mean we can help you with any kind of international
Encashment of Cash Passport: Commission* Free (If credited to an FNB Business Linked Petro R220.00
transaction. With these products and solutions, you can bank easily (Minimum R0.00) transactional account)
FNB Business Credit Card Value-add Services * Fee (per transaction)
and conveniently when doing international trade. Bills Negotiable
Commission (Minimum R150.00, Maximum R850.00) 0.65% of Rand value Comprehensive Global Travel Insurance Free
Electronic (SWIFT) R100.00 Lost Card Protection Free
Foreign Exchange Payments Received By Clients Fee Unpaid / Return Fee
R140.00 inContact-Pro (SMS and E-mail) Free
(Excluding any fees from Foreign Bank)
Inward Payments: AA Emergency Roadside Assistance (Petro Card only) Free
Settlement Instructions per payment
Commission (Minimum R125.00, Maximum R660.00) 0.45% of Rand value R140.00
(Incorrect / Incomplete) Cellphone Banking (Subscriptions) Free
Fee for payments received in South African Rand R100.00 Forward Exchange Contracts Cellphone Banking
Establishment R100.00
Foreign Exchange Payments Made By Clients Fee Balance Enquiry Fee - Single Account R0.50
Drawdown per drawdown R100.00
Outward Payments: Cancellation R100.00 Balance Enquiry Fee - All Accounts R1.25

Commission (Minimum R125.00, Maximum R660.00) 0.45% of Rand value Extension R100.00 * Terms and Conditions apply. Card fees are not negotiable.
Electronic (SWIFT) R100.00 Client Foreign Currency Accounts
Withdrawal - Conversion to Rand R120.00
Unpaid / Return Fee Account Fees Fee (per transaction)
R140.00 Deposit - Conversion to Rand R80.00
(Excluding any fees from Foreign Bank)
Credit Interest Rate: LIBID Less Enquire FNB ATM Enquiry Free
Recall or Stop Payment Fee (Best Effort Basis) R600.00
Debit Interest Rate: LIBOR Plus Enquire Online Banking - Except payments (Business Gold only) Free
Settlement Instructions per payment
R140.00
(Incorrect / Incomplete) Enquire Exchange Control Applications: Changes to Account Limits Free
Fee for payments sent in South African Rand R100.00 Minimum Fee: Written / e-mail (per application) R820.00 Branch Balance Enquiry R3.95

Drafts Fee Extraordinary / personal visits: depending on time spent Negotiable Other Bank’s ATM Balance Enquiry R3.95

Commission (Minimum R150.00, Maximum R850.00) 0.65% of Rand value SAD 500 - Customs Declaration Form (Bill of Entry) International Balance Enquiry R3.95
R75.00
Follow-up
Electronic (SWIFT) R100.00 Issue of Bank Cheque (per cheque) R70.00
Customer Queries:
Repurchase Draft R140.00 Credit Limit Fee Fee (per month)
0 to 3 Months Free
Recall or Stop Payment Fee (Best Effort Basis) R600.00 Clients having cheque or transactional accounts with FNB 0.25% of total limit
Longer than 3 months, negotiable depending on query R240.00
Replacement Draft R140.00 Clients without cheque or transactional accounts with FNB 0.40% of total limit
Past Due Deals:
Voucher Retrieval Fee (per transaction)
Clean Collections Fee Please contact your Relation-
Charge per day (Plus per day Admin Fee R800.00) Local R65.00
Commission (Minimum R125.00, Maximum R1 600.00) 0.50% of Rand value ship/Branch Manager
Trade Services International R225.00
Electronic (SWIFT) R100.00
Guarantees, Foreign Bills, Letters of Credit and other Please contact your Relationship
Unpaid / Return Fee
R140.00 Trade Services or Branch Manager
(Excluding any fees from Foreign Bank)
* Charges may change during the year without notice. Other charges for our wide range of
Settlement Instructions per payment
R140.00 foreign exchange products are available from your Relationship or Branch Manager.
(Incorrect / Incomplete)

Back to Index 9
 Payments and Purchases Fee Cheque Clearance Fee R220.00
Card Replacement Fee R120.00
Credit Card Purchases Free
Card Delivery to nearest FNB Branch Free
Fuel Transaction Fee R3.95
Fast-track card replacement fee (per card) R385.00
International Currency Commission and Conversion Fee 2.75% of transactional value
Personal Card Delivery Fee R195.00
Electronic Funds Transfers Statement Fees
Third Party Payments (including IVR Smart payments) R7.20 Current Monthly Statement (Email) Free
Inter-account Transfers R3.30 Current Monthly Statement (Post) Free
Historical Statements
Paper R6.00
Deposits Fee
E-mail (per statement) R5.00
1.35% of transactional value
FNB Branch or FNB ATM with Envelope Deposit FNB Branch Statement Print R6.00
(Minimum R20.00)
0.70% of transactional value FNB Mini ATM Statement (view or print) R2.80
Deposit at ATM Advance
(Minimum R5.50) Personal Statement delivery R195.00
Cheque Deposit Fee (per deposit) R14.70 Dual Statement (Email and Posted) R20.00
Dual Statement (Personal Delivery and Email) R220.00

Cash Withdrawal Fees Fee

FNB ATM
R0.01 - R500.00 R6.00
R500.01 - R1 000.00 R12.00
R1 000.01 - R1 500.00 R18.00
R1 500.01+ R24.00
Other Bank's ATM R6.50 + FNB ATM
FNB Mini ATM
R0.01 - R500.00 R2.90
R500.01 - R1 000.00 R5.80
Other Bank’s Mini ATM
R0.01 - R500.00 R4.25
R500.01 - R1 000.00 R8.50
FNB Branch (Includes all financial institution branches R30.00 +1.35% of
and the purchase of foreign exchange) transactional value
Overseas Withdrawals^ (ATM & Branch) R25.70 +1.60% of
transactional value
^ This fee is subject to exchange rate fluctuations and may be reviewed quarterly.
Some international ATM’s charge an additional surcharge.

Penalty and Other Fees Fee

Declined Authorisation Fee R 6.50
Special Arrangement Fee R330.00
Late Payment Fee (Not applicable to NCA accounts with
R220.00
credit agreements after 1 June 2007)
Over Limit Fee (Not applicable to NCA accounts with
R220.00
credit agreements after 1 June 2007)
Unpaid Fees R220.00
Arrears Fee (Only applicable to NCA accounts with
R120.00
credit agreements after 1 June 2007)
Prepaid Transaction Fee (Cellphone, Online and
R1.80
Telephone Banking)
Lotto/PowerBall Purchase R1.80

Back to Index 10
Important Information Standard Terminology

To assist you in comparing FNB’s charges with those of other

Please remember the following points when deciding
which of our products and services would best suit your
needs:
banks, we have, as far as possible, used standardised terminology
throughout this guide. This is in accordance with Section 13 of the
Code of Banking Practice (COBP). In the case where we have used
FNB-specific terminology, we have added the table below indicating
the appropriate standardised terminology which may be used by
other banks.

• FirstRand Bank Ltd reserves the right to change pricing and

package pricing from time to time with reasonable notice, giving at FNB Term (as used in guide) Standard Terminology
least 20 business days notice of these changes. FNB Business Debit Card Purchase Card Transaction
• Errors and omissions are excluded. Visa Electron Debit Card Purchase Card Transaction
• You must apply for each facility or product we describe Visa Cheque Card Purchase Card Transaction

individually. The grant of any facility or product is subject to you Scheduled Payment Stop Order to Third Party
Stop Order to one of my own accounts at
meeting, and continuing to meet, the normal credit criteria for that Scheduled Transfer
the same bank
facility or product.
• Each facility or product has the normal terms and conditions
that apply to that facility or product. We agree these terms and
conditions with the applicant. If there is conflict between such
terms and conditions and those in this brochure, we will follow the
normal terms and conditions that apply to such product or facility.
• First National Bank reserves the right to change at any time the
features of any product or facility.
• First National Bank, a division of FirstRand Bank Ltd, is an
Authorised Financial Services Provider (NCRCP20).
Company Registration Number: 1929/001225/06.
VAT Number: 4210102051.

For more information on our solutions, please read the business

segment brochures and product-specific brochures. Or you can
contact your Business Manager in your branch. Should you require
further information on any FNB Credit Card products or services,
please contact the FNB Business Credit Card Helpdesk on 011
369 2832.

Back to Index 11