Index

Transcription

Index

First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
997099 Mar13
Pricing Guide
1 July 2013 to
30 June 2014
Index
Introduction1
Access Your Money IMMEDIATELY3
Simply Save
5
Call Account
6
Money Market Investor
7
Money Market Transactor
8
Access Your Money After Placing NOTICE13
Invest
and get your money
to work harder for you
how can we help you?
MyNotice Deposit
15
7 Day Notice Deposit
16
32 Day Interest Plus
16
Access A PORTION Of Your Money
16
Flexi Fixed Deposit
18
NO ACCESS For A Fixed Period
18
Fixed Deposit
20
Effective Rate Fixed Deposit
20
Restart Fixed Deposit
20
Inflation-Linked Deposit
20
Invest In SHARES
21
Share Saver
21
Share Builder
21
Share Investor
21
Important Information
26
Introduction
Whatever your goals, we have an investment
solution to help them become a reality.
Going forward
The fees outlined in this guide are FNB’s most common VAT
inclusive prices effective from 1 July 2013 to 30 June 2014.
Fees that have not changed, or have decreased, are shown in
orange
No matter how much money you have to invest, it’s never
too early to start saving.
Our range of affordable saving and investment products
are designed to grow your money and work hard for you.
The FNB Saving and Investments Pricing Guide, has been
designed to assist you to understand any bank charges,
related to your investments.
At FNB, we do not charge you any subscription fees for
Online, Cellphone and Telephone Banking or the FNB
Banking App.
This means that you can open and manage your
investments using the Internet, your Cellphone, the
Telephone or your Smartphone or Tablet, without having
to pay any subscription fees before you start transacting.
Page 1
Many investment accounts have no fees, but, if your account
does, you can follow these simple steps to SAVE:
Try to avoid going into an FNB Branch. Instead, use
Online and Cellphone Banking, the FNB Banking App
or FNB ATMs to make payments, transfers or to check
your balance
Deposit cash into your investment at an FNB ATM
instead of a branch as there are less fees
Make sure that there is enough money in your
account to cover any transaction that you make. This
way, you will avoid penalty fees
Need help?
• FNB Pricing Line: • Investment Call Centre: • Share Investing: 086 011 2244
087 320 4321
0860 SHARES (0860 742 737)
Page 2
Access Your Money
Immediately
Interest
Interest Rate
Fees
Money Out
Money In
Simply
Save
Minimum
investment
Add money
anytime
Scheduled
transfers
Early access
at a cost
Transfers into
an FNB account
Third party
payments
No monthly
fees
No transactional
fees
Fluctuating
interest rates
R 100
Call
Account
R 1 000
These investment accounts are suited to customers who
require immediate access to their money while still having
the flexibility to add funds at any time.
Money
Market
Transactor
Money
Market
Investor
R 10 000
R 10 000
Simply Save
A basic savings account, for the entry level investor.
Call Account
A traditional investment account from R1 000.
A Money Market account with transactional capabilities via
a Visa debit card.
A Money Market account with no monthly fee.
Fees that apply when adding money INTO any Immediate
Access account.
•
• Deposits
Maximum rate for Platinum and Islamic Platinum
Fee Cheqeu Acc
Interest rate
increases twice
Tiered rate
FNB ATM
Special rate if
over 55
R16,00
Access to
your interest
Can capitalise
interest
FNB Branch
Cheque Deposits
ENC Upliftment
Fee and
Special Clearance
Special Features
Capital
guaranteed
Choose your
own term
Multiple notices
allowed
eBucks to
investment
Visa debit card
or cheque book
Investment
advice available
Open and Manage
Your Account
Online
FNB ATM and ADT
0.70% of transaction value,
min R5,50
FNB Branch
1.35% of deposit value
(min R 30,00)
Cash Deposits
FNB Banking App
ATM
Branch
Call Centre
Your Banker
Page 3
R80,00
Deposit of Postdated Cheque
Pay Yourself First
Load a scheduled transfer from your FNB transactional
account into your investment account, this way you
will never forget to pay yourself first.
Page 4
Simply Save
Monthly Fees
Fee
Account Fee*
Free
Subscriptions to inContact , Online, Cellphone
and Telephone Banking and the FNB Banking
App
Free
Fees that apply when adding money
INTO your account
Fee
First cash/cheque Deposit per month
Free
* A monthly Exchange Control Admin Fee of R13,00 for Non-resident
Accounts applies.
Fees that apply when taking money OUT your account
DID YOU KNOW?
You can view your balances and transactional history
via any self service channel for free.
Call Account
Monthly Fees
Fee
Account Fee*
Free
Subscriptions to inContact , Online, Cellphone
and Telephone Banking and the FNB Banking
App
Free
* A monthly Exchange Control Admin Fee of R13,00 for Non-resident Accounts applies.
Fee
Description
Electronic
Channels
Telephone
(Consultant)
Branch
Cash
Withdrawals
-
-
R33,00 + 1.49% of
transaction value
Fee
Description
Electronic
Channels
Telephone
(Consultant)
Transfers
R3,70
R36,00
R36,00
Cash
Withdrawals
-
-
R33,00 + 1.49% of
transaction value
Transfers
R3,70
R36,00
R36,00
Payments
R20,00
R36,00
R36,00
Payments
R12,00
R36,00
R36,00
Cardless Cash
Withdrawal
(Cellphone
Banking)
R4,00 +
(R6,30 per
R500,00 or
part thereof,
max R25,20)
Cardless Cash
Withdrawal
(Cellphone
Banking)
R4,00 +
(R6,30 per
R500,00 or
part thereof,
max R25,20)
-
-
-
-
Send Money to an FNB eWallet
Fee
Value: R20,00 - R1 000,00
R8,50
Value: R1 000,01- R2 000,00
R12,50
Value: R2 000,01 - R3 000,00
R16,50
TIP
Cardless cash withdrawals are a great way to withdraw
cash from your account if you don’t have an ATM card.
Page 5
Branch
Fee
Value: R20,00 - R1 000,00
R8,50
Value: R1 000,01- R2 000,00
R12,50
Value: R2 000,01 - R3 000,00
R16,50
DID YOU KNOW?
Making a transfer from your investment, to your
transactional account via Online Banking, ATM, Cellphone
Banking or the FNB Banking App, is the cheapest way to
get money out of your account.
Page 6
Monthly Fees
Fee
Monthly Fees
Fee
Account Fee*
Free
Account Fee*
R37,00
Subscriptions to inContact , Online, Cellphone and
Telephone Banking and the FNB Banking App
Free
Monthly Petrol Card Fee (linked to account)
R13,50
Subscriptions to inContact , Online, Cellphone and
Free
Accounts applies.
Fee
Description
Electronic
Channels
Telephone
(Consultant)
Branch
Cash
Withdrawals
-
-
R33,00 +
1.49% of
transaction
value
Transfers
R3,70
R36,00
R36,00
Payments
R20,00
R36,00
R36,00
Cardless Cash
Withdrawal
(Cellphone
Banking)
R4,00 + (R6,30
per R500 or part
thereof, max
R25,20)
-
Fee
Description
Card
Electronic
Channels
Telephone
(Consultant)
Branch
Local Card
Purchases*
Free
-
-
-
FNB Prepaid
Purchases**
-
R1,00**
R8,50
-
FNB Cash
Withdrawals
(local)***
Free
(Cash@Till TM)
R6,30 per
R500,00
or part
thereof,
max
R25,20
Transfers
-
R3,70
R36,00
R36,00
Payments
-
R12,00
R36,00
R36,00
-
Fee
Value: R20,00 - R1 000,00
R8,50
Value: R1 000,01- R2 000,00
R12,50
Value: R2 000,01 - R3 000,00
R16,50
TIP
If you would like the convenience of a Petrol and a
Debit Card linked to this account, consider a Money
Market Transactor at a nominal monthly fee.
Page 7
Accounts applies.
-
Internal Debit
Orders paid to
FNB
R3,70
External Debit
Orders
R20,00
Cheque
Payments
R37,50
R33,00 +
1.49% of
transaction
value
*
**
***
International Commission and Conversion fee of 2.75% of the transaction value applies for international purchases.
Prepaid purchases at other banks’ ATM charged at R7,50.
Other banks’ ATM Cash Withdrawals are charged at R6,50 + (R6,30 per R500
or part thereof, max R25,20) from first withdrawal.
Page 8
Cash Withdrawals
Fee
Penalty Fees
Fee
FNB Mini ATM
(per R500 or part thereof)
R3,00
Unpaid Cheques/Debit Orders
(per item)
R138,00 per subsequent
Honouring Fee (Charged per item
in excess of your account limit on
accounts with credit agreements
before 1 June 2007)
R100,00 for 1st 3
thereafter R135,00 per
subsequent item within
12 months
Incidental Credit Fee (Charged per
month in excess of your account limit,
applies to accounts without credit
facilities or with credit agreements
after 1 June 2007)
R57,00
Reversal of incorrect “Send money to
an FNB eWallet” transaction
R20,00
Declined Transactions
Fee
FNB ATM
(Insufficient Funds or Limit Exceeded)
Free
Other FNB (Point-of-Sale, Scheduled
Payment, EDO) and other banks’ ATM
R7,00
Other Banks’ Mini ATM
(per R500 or part thereof)
R4,50
Cardless Cash Withdrawal
(Cellphone Banking)
R4,00 + (R6,30 per R500 or
part thereof, max R25,20)
Pay & Clear Now
R38,00
LOT TO/PowerBall Purchase
R1,50
Send Money to FNB eWallet
Fee
Value: R20,00 - R1 000,00
R8,50
Value: R1 000,01 - R2 000,00
R12,50
Value: R2 000,01 - R3 000,00
R16,50
Cash Withdrawals
Fee
FNB Mini ATM
(per R500,00 or part thereof)
R3,00
Other Banks’ Mini ATM
(per R500,00 or part thereof)
R4,50
International ATM (additional 2,75%
Commission and Conversion fee applies)
R25,00
International Branch (additional 2,75%
Commission and Conversion fee applies)
R25,00 + 1,50%
withdrawal value
Page 9
R60,00 for 1st 3 thereafter
item within 12 months
Other Transactional Fees
Payable on all Immediate
Access Products
Card Replacement Fees
Fee
FNB Petrol Card
R105,00
Visa Cheque Card/Chip & PIN Card
R105,00
Copies of Vouchers
(Deposit Slips and Cheques)
Fee
Online Banking
Free
Branch and Telephone Banking
R20,00 (per side)
Page 10
Cheque Book Fees
Fee
Pocket 40 Form
R38,50
Purchases
Fee
Petrol Card Purchases
Balance Enquiries
Fee
International Point-of-Sale
R2,50
R4,50
Branch and Telephone Banking
(consultant assisted)
R3,95
Telephone Banking Prepaid
(consultant assisted)
R8,50 #
Statements
Fee
Scheduled Payment Related Fees
Fee
Posted/Printed Statement
R11,50 (per statement)
Current Month Emailed Statement
Free
First Official Monthly Statement
Collected at an FNB Branch
Free
Establishment and Amendment Fees
(Online Banking)
Free
Establishment Fee (FNB Branch)
R12,50
FNB ATM Mini Statement
(print or view)
R2,80
Amendment Fee (FNB Branch)
R9,50
Emailing of Historical Statements older
than 3 months - Online Banking
Deposits
Fee
Emailing of Historical Statements older
than 3 months - Branch and Telephone
Banking
Statements
Fee
Provisional Statement -Branch and
Telephone Banking
R11,00 (per page)
Fee
Value: R20,00 - R1 000,00
R8,50
Value: R1 000,01 - R2 000,00
R12,50
Value: R2 000,01 - R3 000,00
R16,50
Send Money to Zimbabwe
Fee
Value: R0 - R1 000
R45,00
Value: R1 001 - R1 500
R70,00
FNB ATM
Cheque Deposits
FNB Branch
FNB ATM
Cash Deposits
FNB Branch
R16,00
(min R5,50)
(min R30,00)
ENC Upliftment Fee and
Special Clearance
R80,00
Deposit of Post-dated Cheque
(per cheque)
R80,00
Balance Enquiries
Fee
FNB Online Banking, Cellphone
Banking, Telephone Banking (IVR),
FNB Banking App and FNB ATMs
Free
Other Banks’ ATM
R3,95
Point-of-Sale
R1,35
Page 11
Page 12
Additional Statements
(fee per month)
Fee
Online
Paper
Daily
R44,00
R80,00
Weekly
R20,00
R32,00
Twice Monthly
R11,00
R16,00
DID YOU KNOW?
You can open and manage your accounts online, for free.
Money In
MyNotice
Deposit
Minimum
investment
Monthly
R0,90
Scheduled
transfers
Weekly
R2,95
Early access
at a cost
Daily
R14,80
Electronic Subscription Services
(fee per month)
Fee
My Limit Alert
R2,95
Scheduled Payment Alert
R2,75
Payment Notifications
Fee
Email
R0,68
SMS
R1,05
Fax
R4,85
Interest
Interest Rate
Fees
Money Out
Fee
Access your money with 32 days notice and benefit from two interest
rate increases after 32 and 64 days.
Page 13
Open and Manage
Your Account
32 Day Interest Plus
Third party
payments*
No monthly
fees
No transactional
fees
Fluctuating
interest rates
Interest rate
increases twice
Tiered rate
Special rate if
over 55
Access to
your interest
Can capitalise
interest
Choose your
own term
Multiple notices
allowed
eBucks to
investment
Visa debit card
or cheque book
Online
Choose your own notice period. Access up to 100% with 45 days notice
at no cost, or access up to 100% with 1 – 44 days notice at a cost.
Access your money with 7 days notice and benefit from two interest rate
increases after 32 and 64 days.
Transfers into
an FNB account*
Investment
advice available
MyNotice Deposit
R 100
Capital
guaranteed
Special Features
Notice Deposit’s require notice on the account before funds
can be accessed.
R 50 000
32 Day
Interest Plus
Add money
anytime
Balance Alerts (fee per month)
Access Your Money After
Placing Notice
R 1 000
7 Day Notice
Deposit
FNB Banking App
ATM
Branch
Call Centre
Your Banker
Page 14
DID YOU KNOW?
You can load notices to withdraw on your Notice
Accounts on Online Banking.
MyNotice Deposit
Fee Description
Fee
Subscriptions to Online, Cellphone and Telephone
Banking and the FNB Banking App
Free
Deposits
Free
DID YOU KNOW?
You can add multiple notices on your MyNotice
Deposit and 32 Day Interest Plus accounts.
32 Day
Interest Plus
Subscriptions to Online,
Cellphone and Telephone
Banking and the FNB
Banking App
Free
Free
Cash / Cheque Deposits
Not Allowed
Free
Withdrawals
(terms and conditions apply)
Free
Free
Balance Enquiries (FNB ATM,
Branch, Online, Cellphone
Banking, FNB Banking App and
Telephone Banking)
Free
Free
Provisional Statements
Free
Free
1-9 days
2.5%
R50,00
10-19 days
2.0%
R50,00
20-29 days
1.5%
R50,00
30-39 days
1.0%
R50,00
40-44 days
0.5%
R50,00
Flexi Fixed Deposit
Money In
Minimum
withdrawal
cost applicable
Minimum investment
R 100
Add money anytime
Scheduled transfers
Early access at a cost
Transfers into an FNB account
Third party payments
Free
Provisional
Statements
Free
Interest Payments
Free
Fees
Free
Balance Enquiries
(FNB ATM, Branch,
Online, Cellphone and
Telephone Banking)
Page 15
7 Day Notice
Deposit
Money Out
Withdrawal cost =
% of withdrawal
amount
No monthly fees
No transactional fees
Fluctuating interest rates
Interest Rate
45 days
Fee Description
Access a Portion of Your Money
Withdrawals (Terms and Conditions apply)
Notice Period
(in days)
& 32 Day Interest Plus
Interest rate increases twice
Tiered rate
Special rate if over 55
Page 16
Access a Portion of Your Money
TIP
Interest earned on this account can be paid into an
account of your choice on a monthly basis.
Flexi Fixed Deposit
Access to your interest
Can capitalise interest
Capital guaranteed
Choose your own term
Flexi Fixed Deposit
A fixed investment term of either 3 or 12 months, where you
get access, within 24 hours, to a portion of your money.
Fee Description
Multiple notices allowed
eBucks to investment
Visa debit card or cheque book
Fee
Subscriptions to Online, Cellphone and
Free
Deposits
Free
Withdrawals (terms and conditions apply)
2 free withdrawals
(maximum 15% of available
balance each)
Investment advice available
Online
Balance Enquiries (FNB ATM, Branch,
Online, Cellphone Banking, FNB Banking
App and Telephone Banking)
Free
Provisional Statements
Free
FNB Banking App
ATM
No Access for a Fixed Period
Branch
Money In
Call Centre
Money Out
Your Banker
Fees
DID YOU KNOW?
If you have a 12 month Flexi Fixed Deposit, you can
invest your eBucks into this account.
*
Page 17
Minimum
investment
Fixed
Deposit
Effective
Rate Fixed
Deposit
Restart
Fixed
Deposit
InflationLinked
Deposit
R 10 000
R 10 000
R 10 000
R 50 000
Add money
anytime
Scheduled
transfers
Early access
at a cost
Transfers into
an FNB account*
Third party
payments*
No monthly
fees
No transactional
fees
Transfers and payments at maturity.
Page 18
No Access for a Fixed Period
Fixed
Deposit
Interest Rate
Fluctuating
interest rates
Interest rate
increases twice
Tiered rate
Interest
Special rate if
over 55
Access to
your interest
Can capitalise
interest
Capital
guaranteed
Special Features
Choose your
own term
Multiple notices
allowed
eBucks to
investment
Visa debit card
or cheque book
Investment
advice available
Effective
Rate Fixed
Deposit
Restart
Fixed
Deposit
Get a fixed investment term and fixed interest rate, typically
with higher returns.
InflationLinked
Deposit
DID YOU KNOW?
You can capitalise your interest, earning you interest on
interest. You can also choose when you would like your
interest to be paid out; monthly, quarterly, half yearly,
annually or at maturity.
Fixed Deposit
An investment account fixed for a period, typically giving you a
higher interest rate than investments available overnight or on
notice.
Effective Rate Fixed Deposit
A Fixed Deposit, earning you a rate where interest on interest is
built into the rate.
Restart Fixed Deposit
A Fixed Deposit where you can reset your investment once at a
higher interest rate.
Inflation-Linked Deposit
A Fixed Deposit where your returns are linked to inflation.
Fee
Description
Fixed
Deposit
Effective
Rate
Fixed
Deposit
Restart
Fixed
Deposit
InflationLinked
Deposit
Subscriptions to
Online, Cellphone
and Telephone
Banking and the FNB
Banking App
Free
Free
Free
Free
Balance Enquiries
(FNB ATM, Branch,
Online, Cellphone
Banking, FNB
Banking App and
Telephone Banking)
Free
Free
Free
Free
Provisional
Statements
Free
Free
Free
Free
Open and Manage
Your Account
Online
FNB Banking App
ATM
Branch
Call Centre
Your Banker
Page 19
DID YOU KNOW?
You can choose your own maturity date from 7 days to 60
months with a Fixed Deposit. You can also add money into
this account at maturity, for free.
Page 20
Invest in Shares
Monthly Fees
Share Investing gives you access to invest directly in JSE shares
and Krugerrands online and in real time.
Investing in shares and directly in gold (through Krugerrands) is
a great way to build your wealth as it allows you to diversify your
investment and benefit from company profits and dividends
over time.
Share Saver (based
on portfolio value)
Monthly account fee
R0 –
R250 000
0.40%
plus VAT
per annum
R250 001 –
R1 000 000
0.35%
plus VAT
per annum
Share
Builder
Share
Investor
R19,00
R49,00*
>R1 000 001 0.30%
plus VAT
per annum
Who is this for?
Whether you are new to investing in shares, or a
seasoned share veteran, we offer various options that
will suit your level of experience in the share market:
Share Saver
Invest monthly in the top 100 JSE listed companies
from as little as R300 per month. This means you don’t
have to choose your own shares.
Share Builder
Choose from a pre-selected range of JSE blue chip
shares to help you start your Share Investing Portfolio.
You can also invest directly in Krugerrands via this
product.
Share Investor
If you have some experience in the share market,
Share Investor allows you to invest in the full range of
JSE listed shares and Krugerrands in real time.
Subscriptions to
inContact, Online,
Cellphone and
Telephone Banking and
the FNB Banking App
Free
Free
Free
Krugerrand safe
keeping fee
-
0.86% of
market
value
0.86% of
market
value
*For Share Investor accounts, a monthly account fee of R75 is charged
on Non-resident and Emigrant Blocked accounts. No VAT is payable on
Non-resident and Emigrant block accounts.
Transaction Fees
Card
Electronic
Channels
Telephone
Branch
Withdrawals
-
-
-
R33,00
+1.49% of
withdrawal
value
Transfers
-
R3,70
R36,00
R36,00
Payments
-
R12,00
R36,00
R36,00
DID YOU KNOW?
You can invest safely in Krugerrands online, simply by
opening a Share Builder or Share Investor account.
Page 21
Page 22
Trade fees (of trade amount)
Fee Description
Share Saver
Share Builder
Share Investor
Trade Option
Today at 15:00
1st trading day
of month
Delayed trades
(Today at 15:00)
Now trades
Delayed trades
(Today at 15:00)
Brokerage Fee
0.6% (min R40) plus VAT
0.10% plus VAT
2% (min R50) plus VAT
0.6% (min R80) plus VAT
2% (min R50) plus VAT
Investor Protection Levy
0.0002% plus VAT
Not applicable
Not applicable
0.0002% plus VAT
0.0002% plus VAT
STRATE Settlement Charge
0.005459% (minimum
R10,95, maximum R54,59)
plus VAT
Not applicable
Not applicable
0.005459% (minimum R10,95,
maximum R54.59) plus VAT
Not applicable
Securities Transfer Tax
(only on share purchase)
Not applicable
Not applicable
Not applicable
0.25%
Not applicable
DID YOU KNOW?
With Share Builder, you get to choose your own
shares from a preselected basket of JSE blue chip
shares. To find out what shares are included in the
Share Builder limited selection, go to
fnb.co.za/share-investing/share-builder
Other account related fees
Fee
Deposits
Cheque deposits*
R16,00
FNB ATM and FNB branch (per deposit)
Cash deposits
FNB ATM with envelope or Automated
Deposit (ADT)
0.70% of deposit value,
minimum R5,50
FNB Branch
1.35% of deposit value,
minimum R30,00
ENC upliftment fee and special clearance
R80,00
Deposit of post-dated cheques
(per cheque)
R80,00
*The standard cheque clearance period is 7 days. Clearance could
differ per account. Kindly call 0860 11 22 44 or your branch for
details.
Page 23
Page 24
Non-standard services
Fee
Important Information
Share transfer (per counter)
Account transfer in
Free
Account transfer out
R130,00
Internal transfer
Free
Portfolio move in
Free
Portfolio move out
R100,00
Other fees
Telephonic trade instructions
R40,00
Cancellation (off-exchange instruction)
R135,00
Normal dematerialisation (per counter)
R100,00
Urgent dematerialisation (per counter)
R580,00
Normal rematerialisation (per counter)
R795,00
Urgent rematerialisation (per counter)
R1 272,00
Exchange (per counter)
R106,00
Indemnities (excl insurance per counter)
R370,00
Registration / Charge of beneficial (excl TAX)
POA
Monthly Safe Custody Fee (only on share
portfolio values > R10m in market value
and excluding Share Saver)
0.0005% of value
exceeding R10m
Registration / Charge of beneficial (excl TAX)
R42,00
Share removal (per instruction)
Normal: Value of securities
R1 – R50 000
R950,00
R50 000 – R2 000 000
R1 480,00
R2 000 000+
R2 540,00
Fast track: Value of securities
R1 – R50 000
R1 570,00
R50 000 – R2 000 000
R2 650,00
R2 000 000+
R4 600,00
Trading shares (per counter)
R350,00
• A complete, comprehensive pricing guide is available
on www.fnb.co.za
• Errors and omissions are excluded.
• Normal terms and conditions apply to each product.
Terms and conditions are agreed with the applicant.
If there is conflict between such terms and conditions and
those in the brochure, we will follow the normal terms and
conditions that apply to such product.
• The Bank reserves the right to change at any time the features
of any product.
• FNB recommends that you obtain independent tax advice from
a suitably qualified professional regarding the tax implications
of any investment.
• Statements only available on request if balances fall below the
minimum required balances according to product rules.
• First National Bank - a division of FirstRand Bank Ltd is an
Authorised Financial Services and Credit Provider.
Prices may change
FNB may at any time change these prices or introduce new fees.
We will give at least 20 business days notice of these changes on
the FNB website at www.fnb.co.za or on FNB ATMs.
Standard Terminology
To assist you in comparing FNB’s charges with those of other
banks, we have, as far as possible, used standardised terminology
throughout this guide. This is in accordance with Section 13 of
the Code of Banking Practice (COBP). In the case where we have
used FNB-specific terminology, we have added the table below
indicating the appropriate standardised terminology which may be
used by other banks.
FNB Term (as per pricing guide)
Standardised Terminology
Payment
Third Party Payment/Stop Order
Cheque
Cheque Payment/Cheque
Encashment
Please note:
Electronic Channels includes Online Banking, ATM, Cellphone Banking,
Telephone Banking (IVR) and FNB Banking App.
Page 25
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Index

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