Premier Select Cheque Account and Premier Credit Card

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Premier Select Cheque Account and Premier Credit Card
Premier Select
Cheque Account and
Premier Credit Card
Pricing Guide
1 July 2015 - 30 June 2016
First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
Premier Select
Cheque Account
R75
p/m
As you mature into the next
stage of life, FNB is mindful of
the change in your needs and
your lifestyle. The Premier Select
portfolio offers you an array
of banking, savings and
short-term insurance products
and services for clients aged 55
Bank
•• Access to a dedicated team of Premier Bankers to cater to your
day-to-day banking needs, reducing your need to go into a branch
•• Unlimited FREE swipes when you use your Premier Cheque Card to pay
•• Draw cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer
store tills FREE of fees
•• FREE subscription to inContact. This means we’ll SMS you every time
more than R 100 goes out of – or into – your account
•• FREE subscription to FNB Cellphone Banking, Online Banking, Telephone
Banking and the FNB Banking App. You only pay for the data you use
•• FREE emailed monthly statements
and over, tailored just for you.
To be eligible for a Premier Select
Account, you need to earn an
income of R 350 000 R 749 999 per year.
Save
•• Bank for FREE when you
maintain a minimum
balance of R 20 000 in
your Cheque Account
•• Earn interest per annum
on positive balances
in your Premier Select
Cheque Account
•• A FREE Linked Savings
Account that earns you
preferential interest
rates exclusive to Premier
Select clients
•• The option to Bank Your
Change when we round
your card purchase value
up and transfer the
difference between your
purchase amount and that
amount into your Linked
Savings Account. So, you
save while you spend
Borrow
•• A Temporary Loan is a
pre-approved, short-term
credit offering, for which
there is no need to fill
in any forms
•• Revolving Loan that lets
you re-access your funds
once you’ve paid 15% of
your original loan amount
•• Overdraft access that is
FREE of initiation fees.
You only pay for it when
you use it
FREE emailed
monthly
statements
Draw cash at
selected
Shoprite,
Checkers,
Pick n Pay,
Spar and
Boxer store tills
FREE of fees
FREE subscription
to inContact. We’ll
SMS you every time
more than R100
goes out of - or into
- your account
Earn eBucks for
doing everyday
things like paying
with your card
Live
•• FREE delivery of your Premier
Cheque Card to your home
or office
•• FREE Comprehensive Global
Travel Insurance, keeping
you covered for local and
international travel when you
purchase your air ticket(s) using
your Premier Cheque Card
•• FREE subscription to
eBucks Rewards*
•• The ability to earn eBucks for
swiping your card, shopping
online, shopping internationally,
shopping at Checkers &
Shoprite, filling up with fuel,
using Uber domestically, having
an FNB Connect contract,
purchasing FNB Connect
prepaid airtime, purchasing
other networks’ prepaid
airtime and prepaid electricity
electronically through FNB
or when you send or receive
foreign currency through
FNB Forex
•• Earn up to 1% back in eBucks
when you swipe your Premier
Cheque Card when shopping
and up to 2% back when you
shop online or internationally
•• Earn up to 15% back in eBucks
when you fill up with fuel, use
Uber domestically or shop at
Checkers & Shoprite with
your Premier Cheque Card
•• Earn up to 40% back in eBucks
on your qualifying FNB Connect
contract or when purchasing
FNB Connect prepaid airtime
•• The freedom of spending your
eBucks on almost anything:
fuel, electronics, appliances,
travel, books, CDs, DVDs,
flowers, outdoor equipment,
fashion – you name it
•• Get up to 40% discount on
selected items from the eBucks
Shop as well as up to 40% off
local and international flights
and domestic car hire through
eBucks Travel**. This means that
the more eBucks you earn, the
more you save when you spend
your eBucks – while getting a
discount on your purchase at
the same time. Sounds like a
no-brainer to us!
•• Get up to 100% discount
on your Uncapped ADSL
Data subscription through
FNB Connect
•• Access to the latest smartphone,
tablet or laptop at discounted
prices over a 24-month period
with 0% interest
•• The drafting and registering
of your Trust Deed
•• Access to SLOW Domestic
Lounges and SLOW
International
•• Access to SLOW in the City
To best optimise your eBucks earnings, having a Premier Select
Cheque Account in conjunction with a Premier Select Credit Card
is the way to go. This will mean that you can move up your eBucks
Rewards level more quickly and earn more eBucks.
Terms Conditions and Rules apply.
* For more on eBucks Rewards, go to www.eBucks.com.
** Discounts exclude all taxes.
FNB is able to offer you, as a Premier Select client, the Comprehensive Pricing Option.
Comprehensive Pricing Option
FNB’s Comprehensive Pricing Option offers Select clients the opportunity to bank for FREE. If you are able to maintain a
balance of R 20 000 or more in your cheque account at all times, you will receive the following monthly benefits:
•• Pay no monthly account fee
•• Unlimited FREE qualifying electronic transactions
using Online Banking, Telephone Banking and the
FNB Banking App for transactions like debit orders,
card purchases, payments and transfers
•• Draw cash at selected Shoprite, Checkers, Pick n Pay,
Spar and Boxer store tills FREE of fees
•• Six FREE FNB ATM withdrawals
•• One FREE FNB ATM cash deposit
•• A combination of ten FREE branch, cheque and
Telephone Banking transactions
For fees relating to the previously available Unlimited and Standard Pricing Options, please log in to FNB Online Banking and refer to your 2015/2016 pricing letter.
To switch to the Comprehensive Pricing Option or for more information, call 087 575 9404 or visit your nearest FNB branch.
Monthly Fees
Premier Cheque Account
R 75.00
Minimum Balance for Monthly Account Fee to be waived
R 20 000
Monthly Overdraft Fee (only pay when you use R 200 or more of your
overdraft)
R 57.00
Rebate on monthly overdraft Fee (when you have not used more than your
overdraft limit)
R22.00
Subscription to inContact, Online, Cellphone, Telephone Banking and FNB
Banking App
FREE
Your Monthly Account Fee will also include
Card Purchases*
FREE
Prepaid Purchases using electronic channels
FREE
Electronic Payments and Transfers
FREE
Debit Orders
FREE
Cash Withdrawals at [email protected]™
FREE
FNB Slimline Withdrawals
FREE
Linked Savings Account (Savings Pocket)
FREE
*2.75% Commission and Currency Conversion Fee charged on International Card Purchases
If you are able to maintain the minimum balance of R20 000 in your cheque account, you will also receive the following FREE transactions
Transaction Type
Number of FREE Transactions per month
A combination of FNB Branch, Cheque and Telephone Banking Transactions*
10
FNB ATM Cash Withdrawals
6
Cash Deposits at FNB ATM
1
*Excludes deposits performed at FNB Branches
Please note that any transactions not included or in excess of the limits above will be charged for as per the table below
Other fees
Monthly fees
Petrol Card
R 15.50
Cash Withdrawals
FNB ATM
R 3.95 + R 1.30 per R 100
Other Banks' ATM
R 10.45 + R 1.30 per R 100
International ATM
(Additional 2.75% Commission and Conversion fee applies)
R 50.00
FNB Branch/ Cheque
R 50.00 + R 1.65 per R 100
International Branch
(Additional 2.75% Commission and Conversion fee applies)
R 50.00 + R 1.65 per R 100
Linked Account Transfers
Into linked Savings Account (Savings Pocket)
FREE
Telephone Banking (Consultant Assisted)
R50.00
FNB Branch
R50.00
Payments
Telephone Banking (Consultant Assisted)
R50.00
FNB Branch & Cheques issued
R50.00
Bank Cheque
R 90.00
Cancel Debit Order (Stop Payment)
Online or Mobile Channels
R 5.00
Telephone Banking (Consultant Assisted)
R 17.50
Branch
R 50.00
Scheduled Payment Related (Establishment and Amendment)
Online
FREE
Branch
R12.00
Deposits
Cash Deposit at FNB ATM
R 0.70 per R 100 (Min R 5.50)
Cash Deposit at FNB Branch
R 1.65 per R 100 (Min R50.00)
Cheque Deposit at FNB Branch and ATM
R 30.00
ENC Upliftment Fee and Special Clearance
R 100.00
Prepaid Airtime Purchases
Other Prepaid Airtime using eChannels & Mobile Channels
R1.10
Other Banks’ ATM or Telephone Banking
(Consultant Assisted)
R9.00
Other Banks’ ATM
R9.00
Balance Enquiries
Using eChannels & Mobile Channels
FREE
Point-of-Sale
R 1.50
Other Banks ATM, International Point-of-Sale, Branch or
Telephone Banking (Consultant Assisted)
R 5.00
*A service fee charged for each payment honoured where there is not enough money in your transactional account.
Statements
Current Month Emailed Statement
FREE
Cellphone Banking Mini Statement
FREE
FNB ATM Transaction List
R 3.00
Posted Statement
R 13.00 (per statement)
Historical Statements older than 3 months - Online Banking
R 6.00 (per statement)
Emailing of Statements - Branch and Telephone Banking
R 13.00 (per statement)
Printing of Statements - Branch and Telephone Banking
R 13.00 (per page)
Unsuccessful Transactions (Insufficient Funds)
FNB ATM
FREE
Point-of-Sale, Scheduled Payment,EDO and Other banks’ ATM
R 8.00
Insufficient funds fee (Returned item Cheque or Debit order)
R 60.00 for the first three items, thereafter R138 per
subsequent item within 12 months
Payment Honouring Fee* (Value of payment R 0 – R 1 000)
R 50.00 per Item
Payment Honouring Fee* (Value of payment R 1 000.01 +)
R 75.00 per Item
Card Replacement Fees
Visa Cheque Card/ Chip & PIN Card
R 120.00
FNB Petrol Card
R 120.00
Credit Fees
Monthly Revolving Loan Fee
R 57.00
Cheque Book Fees
Pocket 40 Form
R 50.00
Copies of Vouchers (Deposit Slips and Cheques)
Online Banking
FREE
Branch and Telephone Banking (Consultant Assisted)
R 50.00
Convenience and Value Added Services
Buy LOTTO™/Powerball
R 1.75
Pay TV prepaid purchase
R 1.75
Multichoice Payments
R 5.00
Pay & Clear Now
R 40.00
Cardless Cash Withdrawals
R 5.00
Send Money
Send Money to an eWallet
R 9.50
Reversal of Send Money to eWallet
R 25.00
Send Money to Zimbabwe/ Mozambique
Value: R20.00 - R1 000.00
R 45.00
Value: R1 000.01 - R2 000.00
R 70.00
Value: R2 000.01 - R3 000.00
R 105.00
Additional Statements (Fee per Month)
Online
Paper
Daily
R 48.00
Weekly
R 22.00
Twice Monthly
R 12.00
Daily
R 100.00
Weekly
R 40.00
Twice Monthly
R 20.00
Electronic Subscriptions Services (fee per month)
My Limit Alert
Scheduled Payment Alert
R3.00
Balance Alert (fee per month)
Monthly
R 1.00
Weekly
R 3.00
Daily
R 15.00
Payment Notifications
Email
R 0.74
SMS
R 1.15
Fax
R 5.50
Other Fees
Card Courier Fee
FREE
Cheque Book Courier
R 200.00
Online Banking Password Reset Telephone Banking (Consultant Assisted)
R 4.60
Wrongfully Disputed Debit Order Fee
(if disputed after 40 days and valid agreement exists)
R 130.00
Optional Roadside Assistance
R 6.00
Online Banking Payment history (older than 3 months)
R 4.60
Online Banking Account Verification Fee (FNB and other banks’ accounts)
R 4.60
Premier Credit Card
R69
p/m
Inc. Credit
Facility
Service Fee
Today, credit cards are not just
about getting credit. They’re
about creating a life. Rather than
just a plastic picture of access
to extra, they have become a
representation of the real world.
A credit card – and especially one
from FNB Premier – has become
the ultimate lifestyle leverage
opportunity, a way into the world,
a world where reality and rewards
meet, where buying and benefits
speak to each other.
In a client-centric context, you
Bank
•• Access to the 24/7 Premier
Suite with its dedicated
team of Premier Bankers to
cater to your day-to-day
banking requirements, reducing
your need to go into the branch
•• Unlimited FREE swipes
when you use your Premier
Credit Card to pay
•• FREE subscription to inContact.
This means we’ll SMS you every
time more than R 100 goes out
of – or into – your account
•• FREE subscription to Online
Banking, Cellphone Banking,
Telephone Banking and the
FNB Banking App
•• FREE balance enquiries
using Cellphone Banking,
Online Banking and the
FNB Banking App
•• FREE emailed
monthly statements
•• FREE lost card protection
and PIN replacement
•• FREE Auto Payment, offering
you the convenience of having
your account paid on time
each month
•• The ability to make secure
payments with your
Chip & PIN Credit Card
•• Protection from unauthorised
online transactions with Online
Secure, giving you a One
Time PIN (OTP) to protect
your card’s exclusivity
•• FREE Automatic Debt
Protection to settle your
outstanding credit card debt
in the event of death or
permanent disability, with the
option to sign up for FNB’s
Top-up Debt Protection Plan,
for which there is a charge
get to imagine and innovate
in your everyday life – as well
as initiate change in the world
around you. You can best do this
with an FNB Premier Credit Card.
Save
•• Personalised and
competitive debit
interest rates based
on your personal
risk profile
Borrow
•• Up to 55 days
interest-FREE credit
•• Personalised and
competitive debit
interest rates
Live
FREE emailed
monthly
statements
FREE delivery of
your Premier Credit
Card to your home
or office
FREE AA Emergency
Roadside Assistance
with a linked
Petro Card
Earn eBucks for
doing everyday
things like paying
with your card
Protection with
Online Secure,
giving you a OTP
to protect your
card’s exclusivity
•• FREE delivery of your Premier
Credit Card to your home
or office
•• FREE Comprehensive Global
Travel Insurance, covering you
locally and internationally,
when you purchase your
return travel ticket(s) using
your Premier Credit Card
•• FREE AA Emergency Roadside
Assistance with a linked
Petro Card
•• FREE Take Me Home, a
designated driver service on
your linked Premier Petro
Card and standalone
Petro Card
•• FREE subscription to eBucks
Rewards* if you hold an FNB
Premier Cheque Account
and a Premier Credit Card
•• The ability to earn eBucks
for doing everyday things
like swiping your card,
shopping online, shopping
internationally, shopping at
Checkers & Shoprite, filling
up with fuel, using Uber
domestically, purchasing
prepaid airtime and prepaid
electricity electronically
through FNB or when you send
or receive foreign currency
through FNB Forex
•• Earn up to 2% back in eBucks
when you swipe your Premier
••
••
••
••
••
••
Credit Card when shopping and
up to 4% back when you
shop online or internationally
Earn up to 15% back in
eBucks when you fill up with
fuel, use Uber domestically or
shop at Checkers & Shoprite
with your Premier Credit Card
The freedom to spend your
eBucks on almost anything:
fuel, electronics, appliances,
travel, books, CDs, DVDs,
flowers, outdoor equipment,
fashion – you name it
Get up to 40% discount on
selected items from the eBucks
Shop as well as up to 40% off
local and international flights
and domestic car hire through
eBucks Travel**. This means
that the more eBucks you earn,
the more you save when you
spend your eBucks – while
getting a discount on your
purchase at the same time.
Sounds like a no-brainer to us!
The opportunity to purchase
FNB’s Lifestyle Protector,
providing lifestyle cover for your
loved ones in the event of your
death or permanent disability
Access to SLOW Domestic
Lounges and SLOW
International
Access to SLOW in the City
To best optimise your eBucks earnings, having a Premier Cheque Account
in conjunction with a Premier Credit Card is the way to go. This will mean
that you can move up your eBucks Rewards level more quickly and earn
more eBucks.
Terms, Conditions and Rules apply
* For more on eBucks Rewards, go to www.eBucks.com.
**Discounts exclude all taxes
The Bundled Pricing Option on your Premier Cheque Account includes your Credit Card Monthly Account Fee, Credit Facility Service Fee,
as well as fees for up to 5 Additional Credit Cards (excl. Linked Petro Cards).
Premier Credit Card Fees
Fees per month
Credit Card Monthly Account Fee
R 58.00
Credit Facility Service Fee
R 11.00
Additional Card Fees (per card linked to account)
R 14.50
Linked Petro Card (per card linked to account)
R 25.00
Initiation Fee (once-off)
R 150.00
Standalone Petro Card Fees
Fees per month
Credit Card Monthly Account Fee
R 31.50
Credit Facility Service Fee
R 11.00
Additional Card Fees (per card linked to account)
R 13.50
Initiation Fee (once-off)
R 150.00
•• Credit Card Monthly Account Fee
is the cost charged monthly for the
administration and maintenance of
your Credit Card Account
•• Credit Facility Service Fee is the
cost charged monthly for the routine
administration and maintenance of
maintaining your Credit Facility
•• Credit Card Monthly Account Fees
and Credit Facility Service Fees are
not negotiable Purchases
Fees
Credit Card Purchases
FREE
Credit Card Budget Purchases
FREE
Commission and Currency Fee on International Card Purchases
2.75%
Fuel Transaction Fee (Petro Cards only)
R 5.00
Cash Withdrawal Fees
Fees
FNB ATM
R 3.95 + R 1.30 per R 100
Other Banks' ATM
R 6.50 + FNB ATM Fee
FNB Mini ATM
R 3.95 + R 1.30 per R 100
Branch (includes all Financial Institution Branches and the Purchase of Foreign Exchange)
R 50.00 + R 1.65 per R 100
Cash on Budget
R 50.00 + 2.50% of
withdrawal value
International*(ATM and Branch)
R 30.00 + R 1.65 per R 100
Deposits
Fees
Cheque Deposits
R 27.50
FNB ATM with Automated Deposit Terminal (ADT)
R 0.70 per R 100 (R 5.50 minimum)
Cheque Clearance Fee
R 265.00
FNB Branch and FNB ATM with envelope deposits
R 1.65 per R 100 (R 50 minimum)
* International Currency Commission and Conversion Fee of 2.75% of the transaction value applies for international purchases. This fee is subject to exchange rate
fluctuations and may be reviewed quarterly. Some international ATM’s charge an additional surcharge.
Linked Account Transfers & Account Payments
Fees
IVR Smart Transfer to FNB
FREE
Linked Account Transfers
R 3.50
Third Party Payments
R 7.00
Telephone Banking (Consultant Assisted)
R 50.00
Transfers and Payments at Branch
R 50.00
Voucher Retrieval Requests
Fees per month
Local
R 85.00
International
R 265.00
Other Fees
Fees
Declined Transaction Fee
R 8.00
Bank Cheque Administration Fee
R 80.00
Card Replacement Fee (per card) (standard 3-day delivery)
R 120.00
Fast-track Card Replacement Fee (per card) (24-hour delivery on request)
R 400.00
Card delivery to nearest FNB Branch
FREE
Card courier personal delivery
FREE
Section 129 Letter Fee
R 59.79
Credit Card Monthly Rewards Fee
R 16.50 per month
Convenience Fees
Fees
Send money to an eWallet (R 20 - R 3000)
R 9.50
Reversal of incorrect "Send money to FNB eWallet" transaction
R 25.00
Cardless cash withdrawal
R 3.00 + FNB ATM fee
Pay2Cell
R 3.80
LOTTO™/ Powerball Purchase
R 2.20
Prepaid Transaction Fee (FNB ATM, Cellphone, Online & Telephone Banking)
R 2.20
Uncapped ADSL Fee
R 2.20
Important Information
•• The above pricing is inclusive of VAT
•• Interest rates are personalised and appear on the credit card statement
•• Visit our website at www.fnb.co.za for a copy of the Terms and Conditions that govern our agreement
•• Should you require further information on any credit card products or services, please contact Credit Card Client Enquiries
on 087 575 1111
If your Credit Facility goes into arrears, you will be liable for collection fees in accordance with the National Credit Act
The Small Print
FNB’s Small Print is straightforward. Here we go:
Information on our products and prices
•• FNB, a division of FirstRand Bank Ltd.,
reserves the right to change fees or
introduce new fees from time to time.
terms and conditions with the applicant.
omission is found.
If there is disagreement between the
•• You must apply for each facility
If we do this, though, we’ll give you at
least 20 business days’ notice of
be held responsible if an error or
or product individually.
•• The grant of any facility or product is
product or facility-specific terms and
to, standard network rates apply.
pricing guide, we’ll follow the product
•• All fees quoted are VAT inclusive
subject to you meeting the qualifying
or facility-specific terms and conditions
on www.fnb.co.za or on FNB ATMs.
criteria of that product or facility.
that apply to such a facility or product.
•• Each facility or product has a set of
“per R 500” include parts thereof.
•• When Cellphone Banking is referred
conditions and what’s outlined in this
these changes. You’ll find changes
•• We strive to keep the information
•• Fees quoted “as per R 100” or
•• The Bank reserves the right to
and are effective from 1 July 2015
to 30 June 2016.
•• The fees included here are not all of
provided in the pricing guide as
terms and conditions for that specific
change the features of any product
FNB’s fees. For all the fees on this
accurate as possible, and we will not
facility or product. We agree on these
or facility at any time.
account, please go to www.fnb.co.za.
First National Bank, a division of FirstRand Bank Ltd, is an Authorised Financial Services Provider. Terms, Conditions and Rules apply. Standard network rates apply.
Standard terminology
If you want to compare FNB’s fees with those
that other banks may use. So, FNB’s term – as per
FNB uses the term “eChannels”, which refers
of other banks, we have, as far as possible, used
this pricing guide – is “Card Purchase”, while the
to FNB Online Banking, Cellphone Banking,
standard terminology throughout this pricing
standard terminology is “Card Transaction”; FNB’s
Telephone Banking Interactive Voice
guide. This is in line with Section 13 of the
term is “Payment”, while the standard terminology
Response (IVR) and FNB ATMs. FNB’s “Mobile
Code of Banking Practice (COBP). In the case
equivalent is “Third Party Payment/Stop Order”.
Channels” refer to Cellphone Banking and the
where we’ve used FNB-specific terminology,
FNB uses the term “Slimline Devices” whereas
FNB Banking App.
we’ve added this here showing the wording
other banks might call them Mini ATMs.

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