FNB Premier Account

Get the help
you need - FNB Premier

Annual Pricing Guide
integrated advice 1 July 2023 to 30 June 2024
for you and

your family
Terms, conditions and earn rules apply.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). Reg. No. 1929/001225/06.
FNB Premier Protect my family and assets against Transact with FNB Premier Fusion Account
life events with** or Current Account
2023-2024 Get the best value • Funeral Plan - Cover up to R100 000 and add • Day to Day Bank account with a Credit facility
up to 21 family members on one plan (Fusion) to help meet immediate financial shortfall
Get the best value and/or protect debit order
• Life Cover - Get life cover starting from R100
Transact
000 up to R1 000 000 • Up to 30 days interest free on FNB Fusion card
FNB Premier Accounts purchases
Credit cards • Life Customised Policy - Get cover up to R10
million** • R4000 cash withdrawals and Cash@Till™ at no
Global Account
charge
Foreign Exchange • Credit Life - Protect your loved ones from your
Channel Islands debt should the unexpected happen • 2 free eWallet send on the app,
Solopreneurs • Short term insurance - If it’s precious to you, • Unlimited electronic transactions
Invest we’ll insure it, both inside and outside your home
• Unlimited swipes
Savings and Cash Investment • Health cash plan - Pays up to R3000 daily to
• Secure online purchases with Virtual Card
Tax-Free Shares cover your expenses when you’re in hospital
Additional services • 50% discount on monthly fee for spouse/partner
and complimentary FNBy Account
FNB Investor Fee Schedule
Retirement Solution Access to a range of Savings & Invest • FNB Global Account*
Lend
offerings to address individual needs
Borrow • Savings Account with scheduled transfers Qualify for a range of solutions to address
Home loan FNB Fusion Premier at no charge unique borrowing and repayment
Insure • Money Maximizer - Earn a money market fund structure
Lifestyle related rates at no charge, plus your capital and • Premier Credit Card included in bundles
eBucks Rewards quoted returns are fully guaranteed (included in
• Personal Loan with a personalised interest rate
the bundled fee pricing option)
Connect
• Revolving facility with a flexible credit facility
nav»Money • Shares Zero - Share trading offering at no charge
• Home Loan – 50% discount on attorney fees,
Fees • Tax-Free Savings Account
0.25% on main banked***
Bank charges • Fixed Deposit
Important information • Vehicle Finance
• Access to free Will drafting
Contact us
• Preferential rates for seniors on fixed deposits
• Retirement annuity Rewards and Connect benefits
* Fees are applicable to Foreign Exchange transactions. You may also be charged an annual card fee.
** Refer to Insure Infographic slide for all the require terms and conditions.
2 *** A further discount of 0.25% on personalised home loan interest rate when client becomes main banked according to our main bank rules.
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
FNB Premier
2023-2024
Get the best value

Transact
FNB Premier Accounts
Credit cards
Global Account
Foreign Exchange
Channel Islands
Solopreneurs
Invest Transact
Savings and Cash Investment
Tax-Free Shares
Additional services
Retirement Solution
Lend
Borrow
Home loan
Insure
Lifestyle
eBucks Rewards
Connect
nav»Money
Fees
Bank charges
Important information
Contact us
3
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Terms, Conditions and Earn Rules apply.
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A division of FirstRand Bank Limited. AnAAuthorised
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FirstRandServices
Bank Limited. An Authorised
and Credit Financial Services and Credit Provider (NCRCP20).
Provider (NCRCP20).
FNB Premier
2023-2024 Whatever your needs, we have the solution for you
Get the best value Access a team of Premier Advisors and get integrated financial advice to support you on your financial journey. With a team
Transact of bankers available on chat 24/7 to help you manage your money plus innovative digital banking solutions with our award
FNB Premier Accounts winning app. (Balance for rebate when you maintain R50 000 or more in your Fusion/Current Account for the billing cycle).
Credit cards
Global Account
Foreign Exchange
Channel Islands
Solopreneurs
Invest R230p.m. R250p.m. R115/R125p.m
Tax-Free Shares FNB Fusion FNB Premier FNB Fusion Premier account/
Additional services Premier Account Current Account FNB Premier Current account
FNB Investor Fee Schedule for your spouse/partner
Retirement Solution
Lend
Borrow
Home loan We are also proud to offer you an FNB Islamic Premier Account, with similar value-adds, reward benefits and pricing as an FNB Premier Account. With Islamic Banking,
Insure you earn a competitive monthly profit share on your linked Islamic Savings Account. For more information, contact the Islamic Banking Suite on 087 578 6786.
Lifestyle
eBucks Rewards
Connect
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Fees
Bank charges
Contact us
4 Overdraft / Fusion Facility Fee will be charged if R200 or more has been utilised.
FNB Premier
2023-2024 Product comparison with an FNB Premier Account
Get the best value
Transact
Credit cards FNB Premier Fusion Premier / Premier Current Premier Pay-As-You-Use
FNB Fusion Premier Account
Global Account Current Account Account for your spouse or partner (PAYU)*****
Foreign Exchange
Channel Islands
Solopreneurs Monthly account fee R230 R250 R115/R125* R55
Invest Products included FNB Fusion Premier Account/Current Account

Savings and Cash Investment in your discounted
monthly fee Premier credit card account
Tax-Free Shares
Credit card facility service fee
Additional services
FNB Investor Fee Schedule 1 additional credit card (linked to your FNB Premier Credit Card)
Retirement Solution Virtual Cards at no additional cost – ideal for online shopping with added safety because its dynamic 3-digit CVV changes regularly
Lend
Savings account with FNB Bank Your Change®
Borrow
Home loan FNB Global Account**
Insure 2 send money transactions per billing cycle via the FNB App****
Lifestyle FNB Connect added value: up to 2GB data, 30 voice minutes and 30 SMSs on your FNB Connect SIM card every month.***
eBucks Rewards
No fee charge on withdrawals up to R4 000 per billing cycle. This includes withdrawals made using Cash@Till™,
Connect cardless cash withdrawals and at FNB ATMs****
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No fee charge on FNB ATM deposits up to R4 000 per billing cycle****
Fees
Bank charges
Important information All international transactions displayed in this pricing guide will incur a 2% currency conversion.
Contact us
*
Available on both the FNB Fusion Premier Account and the FNB Premier Current Account (Only one spouse per main account holder. The Spousal account must be linked to a main account or standard pricing will apply.)
Overdraft / Fusion Facility Fee will be charged if R200 or more has been utilised.
**
Fees are applicable to Foreign Exchange transactions. You may also be charged an annual card fee
***
Please visit fnb.co.za/fnb-connect for more information. Simply collect a Connect SIM card from your nearest branch. Account must be in good standing. Good standing means it’s not overdrawn,
in arrears or in default, and you are not undergoing sequestration or any legal process.
****
Per account billing cycle.
5 *****
Not available to new sales
FNB Premier
2023-2024
Get eBucks Rewards Pay without a physical card

Get the best value and up to 8 complimentary SLOW Lounge Virtual cards can also be used for FNB Pay
Transact visits per year with up to 12 additional bonus (Tap to Pay and Scan to Pay) and all partner
FNB Premier Accounts visits per year when booking your flights with wallet transactions, including Apple Pay, Google
Credit cards eBucks Travel Pay, Samsung Pay, Fitbit Pay, Garmin Pay and
SwatchPAY! without the need for a physical card
Global Account
Foreign Exchange Purchase Protect
Channel Islands Purchase Protect offers cover for items Global travel insurance
Solopreneurs purchased using your FNB Premier Virtual at no cost to you to cover your medical
Invest Credit card Credit Card up to R10 000 per claim for 30 expenses while traveling abroad
benefits
days from date of purchase at no extra cost
Savings and Cash Investment to you
Tax-Free Shares Manage your money
Additional services with the convenience of having your credit
Unexpected medical expenses
FNB Investor Fee Schedule Pay off your medical expenses at an interest card account paid on time, every time with
Retirement Solution rate of prime the Auto Payment Solution
Lend
Borrow
Automatic Debt Protection* Personalised interest rate
Home loan Protect your family from your outstanding with up to 55 days interest free
Insure debt with the Automatic Debt Protection
Lifestyle feature, which pays out in the event of your
eBucks Rewards death or permanent disability Access to a budget facility
Connect with repayment periods from 6 to 60
nav»Money months for purchases over R200 and more
Virtual cards
Fees Access to virtual cards at no extra cost –
Bank charges ideal for online shopping with added safety
Important information because its dynamic 3-digit CVV that changes
Contact us regularly
* First Rand Life Assurance Limited, a license Life Insurer.

6
FNB Premier
2023-2024 FNB Premier Credit Card
Get the best value An FNB Premier Credit Card is more than just plastic in your wallet. It’s the key to your lifestyle, unlocking
Transact new worlds and opening up an array of exclusive benefits, rewards, and features to help you along the way.
Credit cards
Global Account
Foreign Exchange Credit facility fees
Channel Islands
Solopreneurs Credit facility service fee R17*
Invest
Initiation fee (once-off) Up to a maximum of R175
Tax-Free Shares
Credit card account fees
Additional services
FNB Premier Credit Card monthly account fee R82**
R99p.m.
Retirement Solution
Lend Additional card fees
No charge on 1 additional card, FNB Premier
thereafter R18.50 per card linked to account
Borrow Credit Card Account
Home loan Credit card budget purchases No charge
Insure
Lifestyle
eBucks Rewards
Connect
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Fees
Bank charges
Contact us
* Credit Facility service fee is charged monthly for the routine administration of maintaining your Credit Facility. This fee is included in the FNB Fusion Premier and Current Account monthly fee to manage and maintain the Credit Facility.
The fee may be added to the outstanding balance and you may pay interest on the fee.
7 ** Credit Card monthly account fee is charged monthly for the administration and maintenance of your Credit Card account. This fee is included in the FNB Fusion Premier and Current Account monthly fee to manage and maintain your credit card account.
FNB Premier
2023-2024 FNB Global Account
Get the best value FNB Premier offers you an FNB Global Account to save and transact in foreign currency; whether you are saving
Transact for offshore travel, require quick access to manage currency risk or are receiving and making international payments
FNB Premier Accounts occasionally - the FNB Global Account is the ideal choice.
Credit cards
Global Account
Foreign Exchange Other fees GBP USD EUR
Channel Islands
Solopreneurs Annual card fee £20 $25 €23
Invest
Savings and Cash Investment Virtual card fee No charge No charge No charge
Tax-Free Shares
Global Account Virtual Card No charge
Additional services
FNB Investor Fee Schedule Card swipes and international online card payments No charge
Retirement Solution
Lend International ATM withdrawal* £3 $5 €4
Borrow
Card replacement (lost, stolen or damaged) £7 $10 €8
Home loan
Insure Balance enquiry £0.35 $0.50 €0.40
Lifestyle
eBucks Rewards Insufficient funds fee (ATM and Point-of-Sale transactions) £0.50 $0.80 €0.60
Connect
Currency conversion (when a specific currency card is used in a different currency zone) Same Currency - No Charge | Cross Currency 1%
nav»Money
Fees
Bank charges
Contact us
8
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FNB Premier
2023-2024 SA’s Best Forex Provider
Get the best value As SA’s Best Foreign Exchange Provider1, we offer a range of solutions to suit all your needs – whether you’re sending
Transact or receiving money globally, traveling, saving in a foreign currency or investing offshore.
Credit cards
Global Account
Foreign Exchange Global payments and receipts Travel smart
Channel Islands
You can save on fees and earn eBucks2 when you send and Get your FNB Global Debit Card linked to your FNB Global
Solopreneurs
receive money worldwide via online banking and the FNB App. account to make sure you have access to funds while
Invest
traveling abroad. (Cards are available for Dollar, Euro
Savings and Cash Investment and Pound accounts.)
Tax-Free Shares
You can order foreign notes or a Multi-currency Cash Passport™
Additional services
online and we’ll deliver it to your door at no charge.3
FNB Investor Fee Schedule FNB Global account
Retirement Solution Save and transact in foreign currency; whether you are PayPal
Lend saving for offshore travel, require quick access to manage
Borrow currency risk or are receiving and making international payments PayPal is the safe and easy way to pay and get paid when
Home loan - the FNB Global account is the ideal choice. Open an account shopping online or making payments. FNB is the only bank in SA
Insure via online banking or on the FNB App. that offers the top-up and withdraw service to transfer funds to
Lifestyle or from a PayPal account.
eBucks Rewards
Connect MoneyGram
nav»Money
Fees
Send money to your loved ones abroad with MoneyGram via the
FNB App, cellphone banking (*120*321#) and FNB ATMs. When
Bank charges
using MoneyGram via the FNB App you can choose to send
Important information the money to your beneficiary via a mobile money wallet, bank
Contact us account or for collection via the MoneyGram agent network in
over 200 countries.
1
Global Finance World’s Best FX Providers 2017 - 2023.
2
eBucks earned on Global Payment and Global Receipt transactions are subject to standard eBucks Reward earn rules. For more information, visit the eBucks website.
9 3
All foreign notes orders made via online banking will be delivered to customers at no charge.
FNB Premier
FNB Channel Islands

2023-2024
Get the best value

Transact
FNB Premier Accounts Transact offshore with FirstRand Bank’s Guernsey-based branch, offers a range of transactional and
Credit cards savings accounts with attractive interest rates, in varying terms to match your specific needs.
Global Account
Foreign Exchange
Channel Islands Link your accounts
Solopreneurs
Invest As a FNB Private Wealth Account holder, you can link your
Savings and Cash Investment FNB Private Wealth and FNB Channel Islands Online Banking and FNB App profile to
Tax-Free Shares view your accounts from a single platform and make payments and transfers through
Additional services
the FNB App or Online Banking seamlessly.
Retirement Solution
Lend
Borrow Reach your financial goals
Home loan
From transactional accounts to long and short- term savings accounts with market
Insure
Lifestyle leading interest rates in GBP, USD and EUR, as well as our Joint accounts, we have a
eBucks Rewards solution to help you reach your financial goals.
Connect
nav»Money
Fees
Bank charges Diversify offshore
Important information Diversify your wealth offshore – open an FNB Channel Islands Account. For more information on FNB Channel Islands Accounts,
Contact us
please contact your Private Advisor, the FNB Channel Islands Service Suite or visit www.fnbci.co.uk
For full details of the pricing options refer to the stand alone Global Accounts, FNB Channel Islands and Foreign Exchange Pricing Guides on FNB website.
FNB Channel Islands is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for ‘qualifying deposits’ up to £50 000, subject to certain limitations. The maximum total
amount of compensation is capped at £100 000 000 in any 5 year period. Full details are available on the Scheme’s at website www.dcs.gg or on request. Contact info@fnbci.co.uk for more information
10 FirstRand Bank Limited Guernsey Branch trading as FNB Channel Islands is regulated by The Guernsey Financial Services Commission and licensed under The Banking Supervision (Bailiwick of Guernsey) Law, 2020.
level
A division
A division of FirstRand
of FirstRand BankBank Limited.
Limited. An Authorised
An Authorised Financial
Financial ServicesServices and
and Credit Credit(NCRCP20).
Provider Provider (NCRCP20).
Reg. No. 1929/001225/06.
FNB Premier
2023-2024
FNB Connect
Benefits of an FNB Solopreneur Bundle
2023-2024
Get the best value
Transact
Product overview
FNB Premier Accounts FNB
Lifestyle
Credit cards Solopreneur
Global
Plans andAccount
contract offers Bundle. Take your business to the next level with the FNB Solopreneur Bundle
Foreign Exchange Designed for Separate your personal and business activity by getting an FNB First Business Zero Account with your personal account.
FNB Connect Talk Lite, you and your
Channel Islands
Solopreneurs
FNB Connect Lifestyle Plans
business
Invest
FNB Connect Data Plans
FNB Connect LTE Data Plans
Tax-Free Shares
FNB Connectservices
Additional Flexi Plan
No extra monthly Accept card One eBucks
FNBConnect
FNB InvestorPrepaid
Fee Schedule
SIM
account fee for Same point account
payments
Retirement
FNB ConnectSolution
Data Bundles the First Business of contact Get a one-off eBucks®
Available on the FNB App,
Lend allocation when you
FNB Connect Voice
Zero Account Meet your business and
personal needs from the
SpeedeeQR and SpeedeeApp
activate this bundle and
Borrow (for Android devices), with
Get unlimited debit card same place. earn more eBucks® when
no monthly rental or
Home loan
FNB Connect Business Plans
swipes and only pay for
upfront costs. you transact via your
transactions made. business account.
Insure
FNB Connect Business
Lifestyle
eBucks Rewards
Rewards
Connect
Rewards overview
nav»Money Manage your Unlock Additional
accounts with free Easy tax filing Free business VISA SME benefits
Account rewards
Fees
interactive tools with TaxTim education Exclusive benefits for start-ups
Bank charges
Useful information Enjoy 50% back in using a Visa Commercial card
Manage your payroll, Access Fundaba on the
Important information eBucks® on your tax FNB App, a business for Marketing tools, Cloud
accounting, cash flow
Contact us and invoicing.
return submission fee. coach in your hand. infrastructure, productivity
Contact us and more.
For all First Business Zero account pricing and pricing for Merchant services, customers need to refer to the Business banking pricing guide.
11
1 Visit the “Rates+Pricing” tab on the FNB website for a comprehensive list of the fees related your First Business Zero account and merchant services products.
level.
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
FNB Premier
2023-2024
Get the best value

Transact
Credit cards
Global Account
Foreign Exchange
Channel Islands
Solopreneurs
Invest
Save and Invest
Invest
Tax-Free Shares Save & invest to improve your financial future for you
Additional services
and your family.
Retirement Solution Choose from our range of short and long-term savings and
Lend
investment solutions to help you reach your financial goals
Borrow
Home loan and grow your financial portfolio. Build your emergency
Insure
savings, tax-free, offshore, or towards retirement.
Lifestyle
eBucks Rewards
Connect
nav»Money See our full range of Savings and Investment solutions
Fees
including the corresponding fees and terms and
Bank charges
conditions on the FNB website.
Contact us
12
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rewards level.
FirstRandServices
Provider (NCRCP20).
FNB Premier
2023-2024
Get the best value

Transact
Credit cards
Global Account
Foreign Exchange
Channel Islands
Solopreneurs
Invest
FNB Savings Account
Tax-Free Shares A no fee FNB Savings account linked to your current account.
Additional services
Savings and No transactional fees apply to your savings account.
Retirement Solution Cash

Lend
Investments
Borrow
FNB Money Maximiser*
Home loan
Insure Earn a money market fund related rate, plus your
Lifestyle capital and quoted returns are fully guaranteed.
eBucks Rewards
With your Premier bundle you can start investing with
Connect
FNB Money Maximiser.
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Fees
Bank charges
Contact us
* A minimum opening deposit of R100 000 is required to activate the account and must be maintained to
continue earning interest. For transactional pricing on Money Maximiser, please refer to the ‘Savings and
13 Investments pricing guide’ on our website.
FNB Premier
2023-2024
FNB Wealth
Tax-Free Shares
and Investment With the FNB Tax-Free Shares Account, you are invested in the Ashburton Top 40 ETF and Ashburton Midcap ETF. This gives you access to the top 100
Get the best value
2023-2024
Transact companies on the JSE, offering you an instantly diversified portfolio. Enjoy all the benefits of investing while paying no tax on capital gains, dividends
FNB Premier Accounts and interest earned.
Credit cards
Invest
Global Account
ForeigninExchange
Invest qualifying funds General fees
and solutions
Channel Islands
Solopreneurs Monthly account fee No fee
Share Investing
Invest
Stockbroking and Investment First trading day of month /
Savings and Cash Trade option
Portfolio management Delayed trades (Today at 15:00)
Tax-Free Shares
Additional
Investor services
Platform First trading day 0.12% excl VAT
FNB Investor Fee Schedule Brokerage fees
Wills, Estate administration, Delayed trades
Retirement Solution 0.6% (min of R50) excl VAT
Trusts and Estate Planning (Today at 15:00)
Lend
Important
Borrow information
Home loan
Contact us
Insure
Lifestyle
eBucks Rewards
Connect
Share Investing
nav»Money
Fees
Bank charges
Contact us
14
8 Please note: For the purpose of calculating fees all “sell” instructions will be considered a delayed trade – even if placed on the first trading day of the month.
level.
FNB Premier
2023-2024
FNB Wealth
Additional services
and Investment
Get the best value
2023-2024
Transact
FNB Premier Accounts Share transfer (per counter) incl VAT
Credit cards
Invest
Global Account Account transfer in No fee
ForeigninExchange
Invest qualifying funds
and solutions Account transfer out R135
Channel Islands
Solopreneurs
Share Investing Internal transfer No fee
Invest
Stockbroking and Investment
Savings and Cash Portfolio move in No fee
Portfolio management
Tax-Free Shares
Portfolio move out R100
Additional
Investor services
Platform
Wills, Estate administration,
Retirement Solution Transaction fees
Trusts and Estate Planning
Lend
Important Transaction fees Electronic Telephone Branch
Borrow information
Home loan Transfers Free R80 R80
Contact us
Insure
Lifestyle Payments R8.50 R80 R80
eBucks Rewards
Connect Share removal (per instruction)
Share Investing
nav»Money
Fees R1 – R50 000 R990 R1 650
Bank charges Fast
R50 000 – R2 000 000 Normal R1 550 R2 750
Important information Track
Contact us R2 000 000+ R2 650 R4 800
15
9
level.
FNB Premier
2023-2024
FNB Wealth
FNBschedule
Fee Investor Platform Fee Schedule
and Investment
Get the best value
2023-2024
Transact
FNB Premier Accounts Annual administration fee for living annuities and endowment products (incl VAT)
Credit cards
Invest
Global Account
Aggregated
ForeigninExchange
Invest qualifying funds FNB Ashburton Ashburton Stable Ashburton Stable Ashburton Money
and solutions
Channel Islands
assets All funds*
Funds (1) Funds (2) Income Fund (3) Income Fund (4) Market Fund (5)
Solopreneurs on the platform
Share Investing
Invest
Savings and Cash First R1 000 000 0.46% 0.29% 0.35% 0.12% 0.17% 0.17%
Tax-Free Shares
Next R2 000 000 0.35% 0.29% 0.35% 0.12% 0.17% 0.17%
Additional services
Investor Platform
FNB Investor Fee Schedule Above R3 000 000 0.23% 0.29% 0.35% 0.12% 0.17% 0.17%
Retirement
Trusts Solution
and Estate Planning
Lend Annual administration fee for all other products** (excl VAT)
Important
Borrow information
Home loan First R1 000 000 0.40% 0.25% 0.30% 0.10% 0.15% 0.15%
Contact us
Insure
Next R2 000 000 0.30% 0.25% 0.30% 0.10% 0.15% 0.15%
Lifestyle
eBucks Rewards Above R3 000 000 0.20% 0.25% 0.30% 0.10% 0.15% 0.15%
Connect
nav»Money
Fees
Bank charges
Contact us
* Excluding 1, 2, 3,4 and 5

** Not applicable to the Tax-Free Unit Trust product when invested in FNB and Ashburton Funds
FNB CIS Manco (RF) (Pty) Ltd is an approved manager of Collective Investment Schemes in terms of Collective Investments Scheme Control Act, 45 of 2002 by the Financial Sector Conduct Authority and is also a full member of the Association for Savings
and Investment SA (ASISA). Ashburton Fund Managers (Proprietary) Limited is a licensed Financial Services Provider (“FSP”) in terms of the Financial Advisory and Intermediary Services Act, 37 of 2002, FSP number 40169. FNB Investor Services Proprietary
16
33 Limited (Reg number 2011/139123/07) is an authorised administrative financial services provider (FSP number 44341) (“FNB”).
level.
FNB Premier
2023-2024
FNB Wealth
FNBschedule
Fee Investor Platform
(continued) Fee Schedule (continued)
and Investment
Get the best value
2023-2024
Transact
FNB Premier Accounts Personal share portfolio annual administration fee for all other products (excl VAT)
Credit cards
Invest
Global Account First R7 500 000 0.25%
ForeigninExchange
and solutions Next R7 500 000 0.15%
Channel Islands
Solopreneurs
Share Investing Next R10 000 000 0.10%
Invest
Savings and Cash Above R25 000 000 0.05%
Tax-Free Shares
Additional services
Investor Platform Personal share portfolio annual administration fee for living annuity (incl VAT)
Retirement Solution First R7 500 000 0.29%
Trusts and Estate Planning
Lend
Important Next R7 500 000 0.17%
Borrow information
Home loan Next R10 000 000 0.12%
Contact us
Insure
Lifestyle Above R25 000 000 0.06%
eBucks Rewards
Connect
nav»Money
Fees
Bank charges
Contact us For the full Wealth and Investments pricing guide please visit FNB Online Banking > Rates + Pricing > Overview > Invest
For more information on the fee structure of the Horizon Series funds, please refer to the latest fund fact sheets available at www. fnb. co.za> Invest> For yourself> I know what I want> Unit Trusts
FNB CIS Manco (RF) (Pty) Ltd is an approved manager of Collective Investment Schemes in terms of Collective Investments Scheme Control Act, 45 of 2002 by the Financial Sector Conduct Authority and is also a full member of the Association for Savings
and Investment SA (ASISA). Ashburton Fund Managers (Proprietary) Limited is a licensed Financial Services Provider (“FSP”) in terms of the Financial Advisory and Intermediary Services Act, 37 of 2002, FSP number 40169.
17
34 FNB Investor Services Proprietary Limited (Reg number 2011/139123/07) is an authorised administrative financial services provider (FSP number 44341) (“FNB”).
level.
FNB Premier
2023-2024
FNB Wealth
FNBschedule
Fee Investor Platform
(continued) Fee Schedule (continued)
and Investment
Get the best value
2023-2024
Transact
FNB Premier Accounts FNB Horizon Series annual asset management fees (excl VAT) Ashburton Range funds annual asset management fees (excl VAT)
Credit cards
Invest
Global Account FNB Multi Manager Income 0.40% Ashburton Balanced Fund 0.60%
ForeigninExchange
and solutions FNB Global Equity 0.60% Ashburton Bond Fund 0.55%
Channel Islands
Solopreneurs
Share Investing FNB Growth Fund of Funds 0.86% Ashburton Diversified Income Fund 0.60%
Invest
Savings and Cash FNB Islamic Balanced Fund 1.25% Ashburton Equity Fund 0.60%
Tax-Free Shares
FNB Moderate Fund of Funds 0.79% Ashburton Global Flexible Fund 0.85%
Additional services
Investor Platform
FNB Investor Fee Schedule FNB Stable Fund of Funds 0.67% Ashburton Global Leaders ZAR Equity Feeder 0.55%
Retirement
Trusts Solution
and Estate Planning
Lend Ashburton GOVI Tracker Fund 0.30%
FNB Multi Manager funds annual asset management fees (excl VAT)
Important
Borrow information
Ashburton Money Market Fund 0.30%
Home loan FNB Multi Manager Balanced 0.75%
Contact us
Insure Ashburton Property Fund 0.60%
Lifestyle FNB Multi Manager Bond 0.75%
eBucks Rewards Ashburton SA Income Fund 0.55%
FNB Multi Manager Equity 0.7%
Connect
Ashburton Stable Income Fund 0.35%
nav»Money FNB Multi Manager Property 0.75%
Fees Ashburton Targeted Return Fund 0.70%
Bank charges FNB Core Range funds annual asset management fees (excl VAT)
For the full Wealth and Investments pricing guide please visit
Contact us FNB Core Balanced Fund 0.26%
FNB Online Banking > Rates + Pricing > Overview > Invest
For more information on the fee structure of the Horizon Series funds, please refer to the latest fund fact sheets available at www. fnb. co.za> Invest> For yourself> I know what I want> Unit Trusts
FNB CIS Manco (RF) (Pty) Ltd is an approved manager of Collective Investment Schemes in terms of Collective Investments Scheme Control Act, 45 of 2002 by the Financial Sector Conduct Authority and is also a full member of the FNB CIS Manco (RF) (Pty)
Ltd is an approved manager of Collective Investment Schemes in terms of Collective Investments Scheme Control Act, 45 of 2002 by the Financial Sector Conduct Authority and is also a full member of the Association for Savings and Investment SA (ASISA).
Ashburton Fund Managers (Proprietary) Limited is a licensed Financial Services Provider (“FSP”) in terms of the Financial Advisory and Intermediary Services Act, 37 of 2002, FSP number 40169. FNB Investor Services Proprietary Limited
18
35 (Reg number 2011/139123/07) is an authorised administrative financial services provider (FSP number 44341) (“FNB”).
level.
FNB Premier
2023-2024 Planning for retirement
Get the best value
Transact FNB understands that life changes as you move through different life stages and therefore has retirement solutions for clients who are
60 years and above, especially designed to helping you make the transition into this exciting new life stage. Retired individuals can now
Credit cards
share in the benefits of a solution designed specifically to cater for your unique needs, post retirement.
Global Account
Foreign Exchange
Channel Islands Get more with our retirement solution
Solopreneurs
• Enjoy all the value that being an FNB Premier Client brings together with additional benefits that retirement brings. As an FNB Premier
Invest
Savings and Cash Investment client, if you invest R300 000 you will get 50% off your monthly transactional account fee or invest R500 000 and get 100% off.
Tax-Free Shares
Additional services
More Value - Less Fees
Retirement Solution
Lend
Borrow Get more More rewards More help
Home loan
Insure Our team of bankers will still be available to help
Earn preferential rates on your fixed deposits Double investment eBucks points
you manage your money
Lifestyle
eBucks Rewards Advice session to ensure you are on track
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nav»Money Discounted executor fees apply to specific assets in your estate.
Fees
FNB offers smart devices at reduced rates and you can pay for them over a 24 month period with zero additional fees, interest or charges payable.
Bank charges
Contact us
19
FNB Premier
2023-2024
Get the best value

Transact
Credit cards
FNB Home
Global Account
Foreign Exchange
Channel Islands
Solopreneurs
Invest
Finance
Lend
Tax-Free Shares Personalisation of your lending plan with more
Additional services
convenience and flexibility.
Retirement Solution There is no common solution for any single client, which is
Lend why our lending offering is adaptable, and a solution is always
Borrow shaped in line with your changing needs and broader financial
Home loan
portfolio. Home Loans and Personal Loans.
Insure
Lifestyle
eBucks Rewards
Connect
nav»Money
Fees
Bank charges
Contact us
20
Terms,
Terms,
Certainconditions
Conditions
earn
are dependent
Earn onrules
apply.
your apply.
Certain
account
benefits
and eBucks
are dependent
rewards level.
FirstRandServices
Provider (NCRCP20).
FNB Premier Overdraft/Fusion
2023-2024 • As a FNB Premier Current Account holder, you have access to credit in the
form of an overdraft facility without having to pay initiation fees
Get the best value • You only pay for your facility when you use it
Transact
FNB Premier Accounts • Your overdraft facility is a convenient credit facility that helps you prepare for
Credit cards monthly cash flow shortages with a personalised interest rate based on your
Global Account individual credit profile. You also have the option of taking up debt protection
Foreign Exchange
Channel Islands
FNB Revolving Facility
Solopreneurs
Invest Our revolving facility offers you a credit facility that helps you pay for unbudgeted
Savings and Cash Investment expenses over time and is linked to your FNB Premier Current Account which gives you
Tax-Free Shares access to funding 24/7.
Additional services Clients have a choice between two monthly repayment methods
• Variable repayment - clients only pay for what they use; repayments reduce as
Retirement Solution Borrow their balance reduces
Lend
Borrow • Fixed repayment - easy to budget for; client payments never change
Home loan • Shortfall protection protects the client’s transactional account from excesses.
Insure Shortfall protection is optional at no cost. Clients can opt in and out of this
Lifestyle functionality at any time*
eBucks Rewards
• Optional debt protection is available too - a facility that helps you prepare
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for monthly cash flow shortages with a personalised interest rate based on your
nav»Money
individual credit profile*
Fees
Bank charges
Important information FNB Temporary Loan
Contact us • Temporary loans are quick and easy. There are no forms to fill in and you can
easily accept your loan via the FNB App and online banking
• This loan is offered in line with the way you’ve managed your credit profile.
Once you’ve accepted the offer, funds are immediately available in your account
21 Overdraft / Fusion Facility Fee will be charged if R200 or more has been utilised.
FNB Premier
2023-2024
FNB Personal Loan
Get the best value • A personalised interest rate
Transact • A payment break every January**
• A fixed and flexible monthly repayment making it easy for budgeting, with no penalties for
Credit cards settling your loan early. Your repayment remains the same each month and you can choose your
Global Account own repayment term between 1 and 66 months
Foreign Exchange • Top up your existing loan and pay no initiation fee
Channel Islands
Solopreneurs
Invest
Savings and Cash Investment FNB Student Loan
Tax-Free Shares
Can be used for tuition fees, accommodation, equipment, other study material and
Additional services
devices. Features include:
Retirement Solution Borrow • The FNB Student Loan can payout an amount ranging from R1000 to R300 000
Lend (continued) • Interest rates linked to prime from as low as prime - 0.50%
Borrow • Pay interest and fees for 12 months plus capital thereafter
Home loan
• CPP covers the principal debtor (the applicant) and the student
Insure
Lifestyle • Repayments occur according to the customer’s salary frequency: weekly,
fortnightly or monthly
eBucks Rewards
Connect • No penalty fees for early settlements
nav»Money
Fees
Bank charges
Credit switch
Contact us Consolidate your qualifying credit from various credit providers into one convenient personal loan
and you could save every month with one set of fees, one reduced monthly repayment and one
personalised interest rate*
Credit is subject to qualifying criteria.

* Interest rate is based on your risk profile.
22 ** On loan terms of over 6 months and where the account is not in arrears.
FNB Premier
2023-2024
Get the best value

Transact
Home Loan
Credit cards
Global Account
Foreign Exchange
Channel Islands
Solopreneurs
Invest
Tax-Free Shares
We offer finance solutions and tools to guide you through the entire home loan
Additional services process with nav» Home on the FNB App.
Retirement Solution Create or buy the home you’ve always wanted with our pension backed lending solution.
Lend You can also use additional funds available in your loan account to fund solar energy
Borrow solutions.
Home loan For more information and pricing refer to the FNB Home Loans pricing guide on fnb.co.za.
Insure
Click on rates and pricing, then select pricing guide overview, then borrow and then choose
Lifestyle
eBucks Rewards
FNB Home Loans pricing guide.
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Fees
Bank charges
Contact us
23
FNB Premier
2023-2024
Get the best value

Transact
Credit cards
Global Account
Foreign Exchange
Channel Islands
Solopreneurs
Invest Insure
Tax-Free Shares
Additional services
Retirement Solution
Lend
Borrow
Home loan
Insure
Lifestyle
eBucks Rewards
Connect
nav»Money
Fees
Bank charges
Contact us
24
Terms,
Terms,
Certainconditions
Conditions
earn
are dependent
Earn onrules
apply.
your apply.
Certain
account
benefits
and eBucks
are dependent
rewards level.
FirstRandServices
Provider (NCRCP20).
FNB Premier
2023-2024 Let FNB help you prepare for life’s uncertainties with FNB Insure, If it’s precious to you, we’ll insure it, both inside and
FNB Private Wealth
and get rewarded for it. outside your home, plus you can earn up to 15% of your
Get2023-2024
the best value
FNB Life Customised premium back in eBucks ,whether you claim or not.
Transact
Get up to R100 million life cover and up to 40% of your
FNB Premier
Product Accounts
overview premium back in eBucks. Plus an additional R30 000
Credit cards
FNB Gap Cover funeral benefit and a spend protect benefit to help with
Get the best value Cover your medical
immediate expenses - paid out within 24 hours. Car insurance
Global Account expenses when medical Get cover tailored to your needs to help you get back on the
eBucks rewards
Foreign Exchange aid is not enough, road easily.
Our solutions
Channel Islands from R240 per
month.
Product comparison
Solopreneurs
Invest
No charge transactions FNB Critical Home Contents
Savingscard
Credit and Cash Investment Illness Comprehensive cover for your possessions in your home against
Tax-Free Shares This cover pays out a lump theft, loss or damage.
Global Account sum so you can focus on
Additional services
Channel Islands Protect getting well without any
FNB Investor Fee Schedule FNB
Bank charges
Retirement Solution Health what matters financial worry.
Portable Possessions
Foreign exchange
Lend Cash Plan* most to you Customise your cover for items you take out of your home so that
you always have peace of mind.
Borrow
Lending Pays up to R3000
daily to cover your
Home loan
Invest
Insure
expenses when you’re FNB Retrenchment Building insurance
Retirement solution in hospital. From Cover Protects your home with cover that is more than just a payout.
Lifestyle R50 per month. Keep your standard of living and
Private business accounts It not only covers the costs of repairing or replacing the
eBucks Rewards provide for your family. Pay for
Business banking charges physical building and permanent fixtures of your home but
Connect your monthly expenses while
provides additional benefits to help you deal with the impact
Cash bundle
nav»Money FNB Funeral Plan searching for new opportunities.
of damage or loss.
Get cover up to R100 000
Non-trading account
Fees
for yourself and your family
Bank charges
Important information members starting from R50 FNB Permanent Disability
Important information per month. Pays a cash lump sum enabling you to continue
Contact us
to protect the lifestyle you’ve created for
Contact us
yourself and loved ones. Purchase Protect
a value-added benefit for items purchased with your FNB Fusion®, Debit
and Credit Virtual Card and covers tangible items against theft/damage
for up to R12 500.
* This is not a medical scheme. Cover is not the same as that of a medical scheme nor is it a substitute for medical scheme membership.
Terms, Conditions and Earn Rules apply. eBucks is embedded and earn depends on a qualifying criteria Certain benefits are
2
25 dependent on your account and eBucks rewards level
Visit
Terms,our website for
Conditions andmore
Earninformation
Rules apply. Certain benefits are dependent on your account and eBucks rewards level.
Insured by FirstRand Life Assurance Limited, a Licensed Life Insurer. Insured by FirstRand Short-term Insurance Limited. A licensed insurer.
FNB Premier
2023-2024
Get the best value

Transact
Credit cards
Global Account
Foreign Exchange
Channel Islands
Solopreneurs
Invest Lifestyle
Tax-Free Shares
Additional services
Retirement Solution
Lend
Borrow
Home loan
Insure
Lifestyle
eBucks Rewards
Connect
nav»Money
Fees
Bank charges
Contact us
26
Terms,
Terms,
Certainconditions
Conditions
earn
are dependent
Earn onrules
apply.
your apply.
Certain
account
benefits
and eBucks
are dependent
rewards level.
FirstRandServices
Provider (NCRCP20).
eBucks Rewards
FNB Premier
No monthly
2023-2024 subscription Reach
FNB Private Wealth or joining fee Reward Level 5
Get2023-2024
the best value Bank with FNB to maximise
Your eBucks your eBucks you could
Transact
never expire rewards earn up
Product overview
Credit cards
For 23 years, we’ve provided use your eBucks
to pay for your
to 3X
Get the best value customers with eBucks rewards, your banking
account fees or for
Global Account that can be used on the something special fees monthly
eBucks rewards
Foreign Exchange FNB App or with our online
Our solutions
Channel Islands and in-store partners
Product comparison
Solopreneurs
Invest
No charge transactions
Savingscard
Credit and Cash Investment
Tax-Free Shares
Global Account Track your eBucks rewards on
Additional services
Channel Islands
FNB Investor Fee Schedule How to qualify 1 the FNB App
Bank charges
Retirement Solution for eBucks View your reward level & points or your
Foreign exchange
Lend Your account needs
monthly progress.
Borrow
Lending to be active and in
good standing Follow these steps to track your rewards:
Home loan
Invest
FNB App > eBucks > Earn > Track my rewards
Insure
Retirement solution
Lifestyle
Private business accounts
eBucks Rewards
Business banking charges
Connect
Cash bundle
nav»Money Earning eBucks
Non-trading account
Fees is Easy
Bank charges
Important information Transact with our partners Earn additional eBucks Use the
Contact us
Contact us and get rewarded with Smart Spend FNB App
Track your Smart Spend and see
how many eBucks you’ve earned
Reimagine rewards
during the month by visiting the
Lookout for the latest updates on eBucks rewards programme from 01 July 2023. FNB App > eBucks > Earn >
This is a summary and is not meant to be a comprehensive guide to the eBucks Rewards Programme earn rules.
1
27 Please visit eBucks.com for the comprehensive earn rules. Smart Spend
Terms, Conditions and Earn Rules apply. *Certain benefitsare
Certain benefits aredependent
dependenton
onyour
youraccount
accountand
andeBucks
eBucksrewards
rewardslevel.
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eBucks Rewards
FNB Premier
2023-2024
FNB Private Wealth
Earn eBucks in
Get2023-2024
the best value
Transact
so many ways shop travel lifestyle
Your eBucks are automatically
FNB Premier
Product Accounts
overview Pay with your FNB Card or added to your account every month.
Credit cards Virtual Card at our partners
Get the best value
Global Account and get rewarded.
eBucks rewards
Foreign Exchange
Our solutions
Channel Islands
Product comparison
Solopreneurs
Invest
No charge transactions
Savingscard
and Cash Investment Spend your eBucks Up to 40%* Up to 40%* Get connected
Credit discounts at off with
Tax-Free Shares and save the eBucks Shop eBucks Travel
with FNB Connect
Global Account
Additional services Get extra data
Channel Islands Select ‘pay in eBucks’ Use eBucks when monthly when you
FNB Investor Fee Schedule Pay for your dream holiday,
Bank charges
on the FNB App and you book flights, spend on your
Retirement Solution monthly essentials or gadgets at any
switch the amount you travel packages and FNB Connect SIM
Foreign exchange
Lend
of our online or in-store partners. You
spent in Rands to eBucks car hire using the card and are qualified
can use your eBucks to pay in full or
Borrow
Lending after you’ve purchased FNB App or the for eBucks rewards at
in part. Use your eBucks to pay your
Home loan
Invest
(selected partners only). eBucks website. Plus get the time of purchase.
account fees
Insure access to SLOW lounge.
Retirement solution
Lifestyle
Private business accounts
eBucks Rewards
Business banking charges Education Security Entertainment Vouchers
Connect
Shopping
Cash bundle
nav»Money
Non-trading account
Fees
eBucks Partners
Bank charges
Important information Earn and use eBucks at 30+
Contact us online or in-store partners,
Contact us including value-added Travel
services like
Reimagine rewards
Lookout for the latest updates on eBucks rewards programme from 01 July 2023.
This is a summary and is not meant to be a comprehensive guide to the eBucks Rewards Programme earn rules.
28
2 Please visit eBucks.com for the comprehensive earn rules.
Certain benefits
Terms, Conditions and Earn Rules apply. *Certain benefitsare
aredependent
dependenton
onyour
youraccount
accountand
andeBucks
eBucksrewards
rewardslevel.
level
FNB Premier FNB Connect
helps you stay connected with
2023-2024 5 reasons to love FNB Connect up to 600MB FREE data,
35 voice minutes, and
Get the best value 35 SMSs every month on
Transact 1 your FNB Connect SIM Card
when you qualify for An Activation Reward
FNB Premier Accounts eBucks Rewards. New* to FNB Connect customers get
Credit cards No long-term a FREE once-off data, voice minutes
Global Account contracts and SMS allocation loaded within 5
Foreign Exchange
a wide range of
month-to-month
2 working days of activating your FNB
Connect SIM Card
Channel Islands SIM Card only plans,
available on Top Up or Qualifying Criteria
Solopreneurs Post Paid Manage & order
Invest your own SIM Card FNB Connect 1 Have a network active
Savings and Cash Investment without any hassle Rewards FNB Connect SIM Card
Tax-Free Shares 3 Port your number,
activate your FNB Existing FNB 2
Ensure all FirstRand Bank
Additional services Connect SIM Card and accounts are active and
more on the FNB App Banking Customers
FNB Investor Fee Schedule As an FNB An Extra in good standing
customer you
Retirement Solution automatically qualify for Data Reward
Lend FREE extra data when you
complimentary data,
Borrow
Home loan
voice minutes
and SMSs every
4 spend on your FNB Connect
SIM Card during the month
month Extensive Qualifying Criteria

Insure nationwide
Lifestyle coverage
Spend a minimum amount on your
around 1
eBucks Rewards
Connect
5 South Africa
FNB Connect SIM during the month
nav»Money Qualify for eBucks at the time

2
Get the you spend A Monthly Reward
Fees
latest device FREE monthly data, voice minutes and SMSs
Bank charges bundled with an FNB
on your FNB Connect SIM Card every month
Connect SIM plan, all
Important information Extra benefit for New FNB Banking Customers*
on the FNB App
Contact us For the first 2 months of your FNB Transactional Bank Have a network active
1
Account being opened all you need to do is FNB Connect SIM Card
Have a network active FNB Connect SIM Qualify for eBucks in order to get your
2 FNB Connect Reward every month
* A new to Connect customer is defined as a customer who activated their SIM Card on or after 1 Aug 2023. 1 Card and ensure all FirstRand Bank accounts
* Seniors receive EXTRA extra data every month.
* Customers that do not qualify for eBucks will get extra data each month.
are active and in good standing
29 * New FNB Banking Customer you wil need to meet the exisitng customer qualifying criteria from month 3.
level.
FNB Premier
2023-2024
FNB Private Wealth
nav» Money
2023-2024
Get the best value
Transact 1. My net worth 5. Smart budget
FNB Premier
Product overviewAccounts Get a snapshot of what you Tracking your regular expenses can help you
Credit own minus what you owe
Get the cards
best value spend less than you earn. Use smart budget
Global Account to set alerts for your spending limits and get
Our solutions
notified when you reach them
Foreigncomparison
Product Exchange nav» Money
Channel Islands
Transact
Solopreneurs
Credit card My credit status
Invest
Foreign exchange
How well are you managing your credit?
SavingsAccount
and Cash Investment 2. Track spend 6. Money Coach
Global Needs work You’ve got this
Tax-Free Shares Accounts View your auto-categorised A smart money guide to help you
Private Business spend to better understand improve your financial fitness.
Additional
Channel services
Islands View more
your spending habits and Complete the missions, earn badges
FNB Investor
Cash bundle Fee Schedule change any potentially and grow your financial knowledge
Retirement Solution negative ones
Non-Trading Account
Lend
Invest
Borrow
NEW NEW
Retirement solution My net Track Smart Money

Home loan worth spend budget coach
7. Credit status
Lend
Insure 3. My Will + legacy
Lifestyle This is an overview of how well
Lifestyle Protect your loved ones by you manage credit. You can also
eBucks rewards creating a will and know
eBucks Rewards My Will + Available Credit Savings get personalised tips to improve
Fees in advance what they are Legacy funds status goals your credit status and access your
Connect left with after costs, taxes
No charge transactions qualifying credit offers
nav»Money and debts
Bank charges
Fees
Business banking charges
Bank charges
Contact us 4. Available funds 8. Savings goals
Contact us
Know how much you have Set short term goals and save for
left after upcoming payments them automatically. You can also
until your next cash deposit monitor your savings progress here
30
1
FNB Premier
2023-2024
Get the best value

Transact
Credit cards
Global Account
Foreign Exchange
Channel Islands
Solopreneurs
Invest
Bank
Fees Charges
Tax-Free Shares
Additional services
Retirement Solution
Lend
Borrow
Home loan
Insure
Lifestyle
eBucks Rewards
Connect
nav»Money
Fees
Bank charges
Contact us
31
Terms,
Terms,
Certainconditions
Conditions
earn
are dependent
Earn onrules
apply.
your apply.
Certain
account
benefits
and eBucks
are dependent
rewards level.
FirstRandServices
Provider (NCRCP20).
FNB Premier
2023-2024 Bank charges
Get the best value The following pages contain our standard fees for transactions that are not included
Transact in your monthly account fee or that you will be charged if you go over the limits outlined above.
Credit cards
These fees are applicable to: The FNB Fusion Premier Account, Current Account and Credit Card.
Global Account
Foreign Exchange
Channel Islands
No charge transaction (applicable to Fusion and Current)
Solopreneurs
Invest
Card purchases
Tax-Free Shares Prepaid airtime purchases using FNB App and online channels
Additional services
FNB Investor Fee Schedule Electronic payments
Retirement Solution
Electronic transfers
Lend
Borrow Internal debit orders No charge
Home loan
External debit orders
Insure
Lifestyle Subscription to inContact, online banking, cellphone banking, telephone banking and the FNB App
eBucks Rewards
Connect Subscription to eBucks rewards
nav»Money
Savings account
Fees
Bank charges
Contact us
32
FNB Premier
2023-2024 Bank charges (continued)
Get the best value Please note that any transactions not included or in excess of the limits above will be charged as per the tables below.
Transact
Credit cards Fees applicable on other products
Global Account
Foreign Exchange Monthly FNB Fusion credit facility fee
R57.50
(applies to NCA clients with credit agreements concluded between 1 June 2007 and 6 May 2016)
Channel Islands
Monthly FNB Fusion credit facility fee
Solopreneurs R69
(applies to NCA clients with credit agreements concluded since 6 May 2016)
Invest Monthly overdraft service fee
R57.50
Savings and Cash Investment (applies to NCA clients with credit agreements concluded between 1 June 2007 and 6 May 2016)
Tax-Free Shares Monthly overdraft service fee

R69
Additional services
FNB Investor Fee Schedule Monthly rebate on FNB Fusion credit facility fee for facilities of R1 000 only
R27.50*
(applies to NCA clients with credit agreements concluded between 1 June 2007 and 6 May 2016)
Retirement Solution
Monthly rebate on FNB Fusion credit facility fee for facilities of R1 000 only
Lend R39*
Borrow Monthly revolving facility service fee**
R57.50
Home loan (applies to NCA clients with credit agreements concluded between 1 June 2007 and 6 May 2016)
Insure Monthly revolving facility service fee**

R69
Lifestyle
eBucks Rewards Once-off revolving facility initiation fee**
Up to R1207.50***
Connect
Home finance – application for new home loan monthly service fee
nav»Money R69
These fees are in accordance with the National Credit Act 34 of 2005 as applicable to your home loan agreement. The fees quoted are VAT inclusive.
Fees Home finance – application for new home loan once-off initiation fee
Bank charges These fees are in accordance with the National Credit Act 34 of 2005 as applicable to your home loan agreement. The fees quoted are VAT inclusive. R6 037.50
*Existing customers that enter into a new agreement will be charged a monthly service fee of R69 once approved.
Contact us Personal loan monthly service fee R69
Personal loan once-off initiation fee (no initiation fee when you top up your existing personal loan) Up to R1207.50***
* Accounts must be in good standing

** Monthly revolving facility service fee and revolving facility initiation fee applicable to clients with revolving loans.
33 *** Up to R1207.50 (VAT included), depending on your loan amount
FNB Premier
Get the best value

Transact
Telephone
Credit cards Digital Banking International
Transaction Banking
Global Account (Cellphone banking, FNB App, telephone banking - FNB Branch Card Purchase
Type IVR, FNB ATM and online banking) (Assisted Fee
Foreign Exchange Consultant)
Channel Islands
Solopreneurs
2% of transaction
Invest Payments R8.50 R80 R80
value (max. R100)
Tax-Free Shares <=R100 No charge
FNB to
Additional services
Other Bank
FNB Investor Fee Schedule Real time Payments - R0.65 per
>R100
Payshap & Instant Payment R100
Retirement Solution
Lend Refer to electronic
FNB to FNB
payment fee
Borrow
Home loan
Internal debit order No charge
Insure
Lifestyle
External debit order R19
eBucks Rewards
Connect
nav»Money Pay & Clear Now R30 R30
Fees
Bank charges
Contact us
34
FNB Premier
Get the best value

Transact
FNB Premier Accounts Cash withdrawals
Credit cards
Global Account FNB ATM R2.40 per R100
Foreign Exchange
Cash@Till™ No Charge
Channel Islands
Solopreneurs Cardless cash withdrawals R1.20 per R100
Invest
Savings and Cash Investment Other banks’ ATMs R12 + R2.40 per R100*
Tax-Free Shares
FNB Branch R80 + R3 per R100
Additional services
FNB Investor Fee Schedule International branch R80 + R3 per R100**
Retirement Solution
Lend International ATM R80**
Borrow
Home loan
Insure
Lifestyle
eBucks Rewards
Connect
nav»Money
Fees
Bank charges
Contact us
* 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.
35 ** Additional 2% commission and conversion fee apply. Some ATMs overseas might charge a withdrawal fee.
FNB Premier
Get the best value

Transact
FNB Premier Accounts Digital channels Telephone banking FNB Branch
Credit cards Debit order management (Online, FNB App and Cellphone Banking) (consultant assisted) (consultant assisted)
Global Account
Foreign Exchange
Stop Payment No charge R80 R80
Channel Islands
Solopreneurs Debit Order Dispute R5 R47 R47
Invest
Cash deposit at
Tax-Free Shares Transaction Type Cash Deposits at FNB ATM
FNB Branch
Deposit @Till
Additional services
Pricing is determined by the
Retirement Solution Deposits R1.40 per R100 R80 + R3 per R100 merchant and is subject to
Lend change*
Borrow
Home loan
Insure
Lifestyle
eBucks Rewards
Connect
nav»Money
Fees
Bank charges
Contact us
36 * Available at selected merchants. Checkers ,Shoprite, Usave, PnP Stores and Boxer Stores
FNB Premier
Get the best value

Transact
FNB Premier Accounts Other banks’ ATMs,
FNB Branch and Point-of-Sale
Credit cards Digital Banking international
Global Account Transaction Type Telephone Banking (Premier Business
Point-of-Sale
(eChannels and mobile channels)
(Consultant assisted) Debit Cards only)
Foreign Exchange (Consultant assisted)
Channel Islands
Solopreneurs FNB Connect
No Charge
Invest prepaid airtime
Prepaid Purchases R0 <spend<R75 R0.50 R15
Tax-Free Shares
Prepaid
Additional services R75.01 <spend<R150 R1.50
Electricity
FNB Investor Fee Schedule spend > R150.01 R3.00
Retirement Solution
Balance Enquiries No charge R8 R1.90 R8
Lend
Borrow FNB Connect prepaid airtime
purchase using eChannels No charge
Home loan and mobile channels
Insure
Prepaid airtime purchase
Lifestyle R15
using other banks’ ATMs
eBucks Rewards
Prepaid airtime transaction
Connect No charge
fee (FNB App and Online)
nav»Money
spend<R10 R0.50
Fees
Prepaid airtime transaction
Bank charges R10 <spend<R25 R1
fee (USSD)
Important information spend>R25 R2
Contact us
37
FNB Premier
Get the best value

Transact
FNB Premier Accounts Statements
Credit cards
Global Account Cellphone banking mini statement No charge
Foreign Exchange
FNB ATM transaction list R4 (per statement)
Channel Islands
Solopreneurs Statements – online banking and FNB App (download/view/email) No charge
Invest
Savings and Cash Investment Emailing/printing of statements – branch and telephone banking R50 (per statement)
Tax-Free Shares
Printed statements (Smart kiosk) R4 per page
Additional services
FNB Investor Fee Schedule R25 per page
Interim statements
Retirement Solution max (R50)
Lend Posted Statements R26
Borrow
Home loan
Insure
Lifestyle
eBucks Rewards
Connect
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Fees
Bank charges
Contact us
38
FNB Premier
Get the best value

Transact
FNB Premier Accounts Additional statements (fee per month)
Credit cards
Global Account Daily R68
Foreign Exchange
Online Weekly R31.50
Channel Islands
Solopreneurs Twice-monthly R18
Invest
Savings and Cash Investment Daily R137
Tax-Free Shares
Paper Weekly R59
Additional services
FNB Investor Fee Schedule Twice-monthly R31
Retirement Solution
Lend Unsuccessful transactions (insufficient funds)
Borrow
Home loan FNB ATM No charge
Insure
Lifestyle Point-of-sale, scheduled payment and other banks’ ATMs R8
eBucks Rewards Thereafter R105

Insufficient funds fee (returned item debit order)
Connect (per unpaid item 9 or more)*
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Fees
Bank charges
Contact us
39 * Applicable over a rolling 12 month period

FNB Premier
Get the best value

Transact
FNB Premier Accounts Copies of vouchers (deposit slips)
Credit cards
Global Account Online banking No charge
Foreign Exchange
Branch and telephone banking (consultant assisted) R80
Channel Islands
Solopreneurs
Invest
Tax-Free Shares
Additional services SLOW Lounge fees*
Retirement Solution Domestic lounges R300
Lend
International lounge R480
Borrow
Home loan
Insure
Lifestyle
eBucks Rewards
Connect
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Fees
Bank charges
Contact us
* SLOW Lounge fees are applicable for every additional entry over and above complimentary entries, as well as for every entry where the cardholder does not qualify for complimentary entries due to the cardholders eBucks rewards level.
40 For more information on SLOW Lounge visit fnb.co.za/slow-lounge.
FNB Premier
Get the best value

Transact
Credit cards Transaction Type Standard delivery Urgent delivery Scheduled delivery International delivery FNB Branch delivery
Global Account
Foreign Exchange Card delivery fees No charge R265 R160 R760 No charge
Channel Islands
Solopreneurs
Invest
Savings and Cash Investment Card replacement fees
Tax-Free Shares
Additional services Current Account Card/Fusion Card/Credit Card R150
Temporary card R120
Retirement Solution
Lend FNB Petrol Card R150
Borrow
Home loan
Insure
Lifestyle
eBucks Rewards
Connect
nav»Money
Fees
Bank charges
Contact us
41
FNB Premier
Get the best value

Transact
FNB Premier Accounts Convenience and value-added services
Credit cards Buy LOTTO™/Powerball R2.70*
Global Account
Foreign Exchange Daily Lotto R1
Channel Islands DStv payments*** R7
Solopreneurs
Invest Cash swop fee No charge
Savings and Cash Investment Honoured Value <R45: Charged at Honoured Value
Tax-Free Shares Payment honouring fee**
Honoured Value > R45: Charged at R45 per R100 (Max. R200)****
Additional services
FNB Investor Fee Schedule Common Monetary Area (CMA) cross-border receipt R100 plus applicable cash deposit fee
Retirement Solution
Account confirmation letter/visa letter (online banking/FNB APP) No Charge
Lend
Borrow Account confirmation letter/visa letter (branch) R30
Home loan
Online banking account verification R3.54
Insure
Lifestyle Electronic subscriptions services (fee per month)
eBucks Rewards
My limit alert R3.80
Connect
nav»Money Scheduled payment alert R3.80
Fees
Bank charges
Contact us
* LOTTO™ purchases are excluded from the Islamic Premier Current Account.
** A service fee is charged for each payment honoured where there is not enough money in your transactional account
*** Applicable to Buy tab
42 ****Customer transaction honoured for a value of R10. Fee charged R10. Customer transaction honoured for a value of R50. Fee charged R45.
FNB Premier
Get the best value

Transact
Balance alert (fee per month)
Monthly R1.25
Credit cards
Global Account Weekly R3.45
Foreign Exchange
Daily R16.50
Channel Islands
Solopreneurs
Payment notifications
Invest
Savings and Cash Investment Email No charge
Tax-Free Shares
Additional services SMS No charge
Retirement Solution Other fees
Lend
Online banking password reset telephone banking (consultant assisted) R80
Borrow
Home loan Online banking payment history (older than 3 months) R7
Insure
Lifestyle Online banking account verification fee (FNB and other banks’ accounts) R3.54
eBucks Rewards
Monthly petrol card fee* R24
Connect
nav»Money Petrol card fuel purchases R6.25
Fees
Bank charges Monthly device payment fee Device dependant
EFT Recall R124
Contact us
EFT Reversal: Single R325.50
EFT Reversal: Batch R683
43 * FNB Fusion Premier Account and Premier Current Account

FNB Premier
Get the best value

Transact
FNB Premier Accounts Credit card deposit fees
Credit cards
FNB ATM with Automated Deposit Terminal (ADT) R1.40 per R100
Global Account
Foreign Exchange FNB Branch and FNB ATM with envelope deposit facilities R80 + R3 per R100
Channel Islands
Solopreneurs Pricing determined by merchant
Deposit at till
and is subject to change*
Invest
Savings and Cash Investment Credit card linked account transfers and account payments
Tax-Free Shares
Additional services IVR Smart Transfer to FNB No charge
Third party payments R8.50
Retirement Solution
Lend Telephone banking (consultant assisted) R80
Borrow
Home loan Transfers and payments at branch R80
Insure 2% of transaction value (max
International card purchase fee
Lifestyle R100)
eBucks Rewards
Connect
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Fees
Bank charges
Contact us
44 * Available at selected merchants. Checkers ,Shoprite, Usave, PnP Stores and Boxer Stores
FNB Premier
Get the best value

Transact
FNB Premier Accounts Voucher retrieval requests
Credit cards
Local R105
Global Account
Foreign Exchange International R295
Channel Islands
Solopreneurs
Other credit card fees
Invest Declined transaction fee R8
Card replacement fee R150 per card
Tax-Free Shares
Additional services
Credit card convenience fees
Retirement Solution Pay2Cell R8.50
Lend
Prepaid airtime transaction fee (APP and online) No charge
Borrow
Home loan Prepaid airtime transaction fee (Cellphone banking) – Transactions between R0.01 – R10 R0.50
Insure
Prepaid airtime transaction fee (Cellphone banking) – Transactions between R10.01 – R25 R1
Lifestyle
eBucks Rewards Prepaid airtime transaction fee (Cellphone banking) – Transactions between R25.01 – R40 R1.50
Connect Prepaid airtime transaction fee (Cellphone banking) – Transactions >R40 R2
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LottoTM/Powerball, traffic fines* R2.70
Fees
Bank charges Prepaid Electricity R2.70
Daily Lotto R1
Contact us
Uncapped ADSL fee R2.50
45 * Payment fee which is dependent on account pricing option (Bundled vs PAYU).

FNB Premier
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Transact
FNB Premier Accounts eWallet
Credit cards
Global Account Fees for sender
Foreign Exchange
Send money from FNB Account to eWallet R2 + R2.40 per R100
Channel Islands
Solopreneurs Reversal of incorrect ‘Send Money to eWallet’ transaction – telephone/branch R75
Invest
Savings and Cash Investment Reversal of incorrect ‘Send Money to eWallet’ transaction – cellphone banking R17.50
Tax-Free Shares
Reversal of incorrect ‘Send Money to eWallet’ transaction - App R17.50
Additional services
FNB Investor Fee Schedule Fees for recipient
Retirement Solution
Lend Monthly account fee No charge
Borrow
Withdraw cash from an FNB ATM, FNB Mini ATM or participating retailers No charge
Home loan
Insure Purchases at participating retailers No charge
Lifestyle
eBucks Rewards Prepaid airtime transaction fee (Cellphone banking) (spend<=R10) R0.50
Connect
Prepaid airtime transaction fee (Cellphone banking) (R10 <spend<=R25) R1
nav»Money
Fees Prepaid airtime transaction fee (Cellphone banking) (spend>R25) R2
Bank charges
Important information Prepaid electricity R2.70
Contact us
46
FNB Premier
Get the best value

Transact
FNB Premier Accounts eWallet
Credit cards
Global Account Fees for recipient
Foreign Exchange
Inactivity fee per month (after 6 months of inactivity) R5.25
Channel Islands
Solopreneurs Transfer from your eWallet to your FNB Account No charge
Invest
Savings and Cash Investment eWallet balance enquiry No charge
Tax-Free Shares eWallet mini-statement No charge
Additional services
Retirement Solution
Lend
Borrow
Home loan
Insure
Lifestyle
eBucks Rewards
Connect
nav»Money
Fees
Bank charges
Contact us
47
FNB Premier
Get the best value

Transact
FNB Premier Accounts MoneyGram* MoneyGram*
Credit cards
Global Account
Send amount (USD) Send fee (USD) Send amount (USD) Send fee (USD)
Foreign Exchange
Channel Islands
$0.01 - $50 $7 $500.01 - $600 $29
Solopreneurs
Invest $50.01 - $100 $10 $600.01 - $700 $34
Tax-Free Shares $100.01 - $150 $11 $700.01 - $800 $39
Additional services
$150.01 - $200 $13 $800.01 - $900 $44
Retirement Solution $200.01 - $250 $15 $900.01 - $1 000 $49
Lend
Borrow $250.01 - $300 $17 $1 000.01 - $1 200 $55
Home loan
$300.01 - $400 $19 $1 200.01 - $1 500 $63
Insure
Lifestyle $400.01 - $500 $24 $1 500.01 - $1 800 $70
eBucks Rewards
Connect
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Fees
Bank charges
Contact us
48 * MoneyGram fees exclude VAT.

FNB Premier
2023-2024
Get the best value

Transact
Credit cards
Important
Global Account
Foreign Exchange
Channel Islands
Solopreneurs
Invest
information
Tax-Free Shares
Additional services The small print
Retirement Solution
Lend
Borrow
Standard terminology
Home loan
Insure
Lifestyle
eBucks Rewards
Connect
nav»Money
Fees
Bank charges
Contact us
49
Terms,
Terms,
Certainconditions
Conditions
earn
are dependent
Earn onrules
apply.
your apply.
Certain
account
benefits
and eBucks
are dependent
rewards level.
FirstRandServices
Provider (NCRCP20).
FNB Premier
2023-2024 Important Information
Get the best value
Transact • These prices include VAT
• Interest rates are personalised to you and appear on the FNB Fusion Premier Account,
Credit cards
Global Account FNB Premier Current Account and credit card statements
Foreign Exchange • Visit FNB’s website for a copy of the terms, conditions and rules that govern
Channel Islands our agreements
Solopreneurs
• If your credit facility goes into arrears, you will be liable for collection fees and loans
Invest
Savings and Cash Investment in accordance with the National Credit Act
Tax-Free Shares • Should you require further information on any Credit Card products or services,
Additional services please contact credit card customer enquiries on 087 575 11 11 (standard rates apply)
• To manage and maintain the Credit Facility. The fee may be added to the outstanding
Retirement Solution
Lend balance and you may pay interest on the fee.
Borrow • Credit card monthly account fee is charged monthly for the administration
Home loan to manage and maintain your credit card account.
Insure
Lifestyle
eBucks Rewards
Connect
nav»Money
Fees
Bank charges
Contact us
50
FNB Premier
2023-2024 The small print
Get the best value
Transact
Information on our products and prices
Credit cards
• FNB, a division of FirstRand Bank Ltd. reserves the right to change fees or introduce
Global Account
new fees from time to time. If we do this, though, we’ll give you at least 20 business
Foreign Exchange
days’ notice of these changes. You’ll find these changes on FNB’s website
Channel Islands
Solopreneurs • We strive to keep the information provided in the pricing guide as accurate as
Invest possible, and we will not be held responsible if an error or omission is found
• You must apply for each facility or product individually
Tax-Free Shares
Additional services • The granting of any facility or product is subject to you meeting the qualifying
FNB Investor Fee Schedule criteria of that product or facility
Retirement Solution
• Each facility or product has a set of terms and conditions for that specific facility or
Lend
product. We agree on these terms and conditions with the applicant
Borrow
Home loan • If there is disagreement between the product or facility specific terms and
Insure conditions and what’s outlined in this pricing guide, we’ll follow the product or
Lifestyle facility-specific terms and conditions that apply to such a facility or product. FNB
eBucks Rewards reserves the right to change the features of any product or facility at any time
Connect
• Fees quoted as “per R100” include parts thereof
nav»Money
Fees • Where cellphone banking is referred to, standard network rates apply
Bank charges
• All fees quoted are VAT inclusive and are effective from
1 July 2023 - 30 June 2024
Contact us
51 International currency commission and conversion fee of 2% of the transaction value applies.
FNB Premier
2023-2024 Standard terminology
Get the best value
Transact If you want to compare FNB’s fees with those of other banks, we have, as far as possible, used standard
FNB Premier Accounts terminology throughout this pricing guide. In the case where we’ve used FNB-specific terminology,
Credit cards we’ve added this here showing the wording that other banks may use.
Global Account
Foreign Exchange
Channel Islands
Glossary of terms
Solopreneurs
Invest
FNB term (As Used In Guide) Standard terminology
Tax-Free Shares Card purchase Card transaction
Additional services
FNB Investor Fee Schedule Payment Third party payment/stop order
Retirement Solution
Slimline devices Mini ATMs
Lend
Borrow Online banking, telephone banking,
eChannels
Interactive Voice Response (IVR) and FNB ATMs
Home loan
Insure Mobile channels Cellphone banking and the FNB App
Lifestyle
eBucks Rewards
Connect
nav»Money
Fees
Bank charges
Contact us
52 International currency commission and conversion fee of 2% of the transaction value applies.
FNB Premier
2023-2024
Get the best value

Transact
Credit cards
Global Account
Foreign Exchange
Channel Islands
Solopreneurs
Invest
Contact us
Tax-Free Shares For all your service related queries you can
Additional services
chat to us 24/7 via FNB App and SecureChat
Retirement Solution
For all your transactional queries and help to unlock
Lend
reward benefits contact the Premier Service Suite
Borrow
Home loan 087 577 7000
Insure
Lifestyle For more information on how we can assist you to
eBucks Rewards grow and manage your wealth through integrated
Connect advice set up a review with your Premier Advisor.
nav»Money
Search fnb.co.za
Fees
Bank charges
Contact us
53
Terms,
Terms,
Certainconditions
Conditions
earn
are dependent
Earn onrules
apply.
your apply.
Certain
account
benefits
and eBucks
are dependent
rewards level.
FirstRandServices
Provider (NCRCP20).
JAW 5429 Premier Consumer D15.0 • August 28, 2023 5:39 pm

FNB Premier Account

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you need - FNB Premier

for you and

Terms, conditions and earn rules apply.

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Invest Products included FNB Fusion Premier Account/Current Account

Get eBucks Rewards Pay without a physical card

* First Rand Life Assurance Limited, a license Life Insurer.

FNB Channel Islands

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Retirement Solution Cash

* Excluding 1, 2, 3,4 and 5

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Credit is subject to qualifying criteria.

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month Extensive Qualifying Criteria

nav»Money Qualify for eBucks at the time

Retirement solution My net Track Smart Money

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Tax-Free Shares Monthly overdraft service fee

Insure Monthly revolving facility service fee**

* Accounts must be in good standing

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eBucks Rewards Thereafter R105

39 * Applicable over a rolling 12 month period

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EFT Reversal: Batch R683

43 * FNB Fusion Premier Account and Premier Current Account

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45 * Payment fee which is dependent on account pricing option (Bundled vs PAYU).

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48 * MoneyGram fees exclude VAT.

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