FNB Premier

helping you turn

your dreams into
a lived reality

FNB Premier
Annual Pricing Guide
1 July 2025 to 30 June 2026

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
Contents

QUICK LINKS

FNB Premier
Transact Annual Pricing Guide

Access a world of
Invest exclusive rewards
and benefits with
Lend your Premier
Account, designed
to enhance your
Insure
travel, lifestyle and
entertainment
Lifestyle experience

Fees

SUGGESTED LINKS FNB Connect

FNB Premier Credit Card Account

eBucks Rewards

Terms, conditions and eBucks earn limits 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).
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NAV PLACED HERE Lifestyle Fees

It’s more than an account

it’s help that meets you
where you are
The FNB Premier Account Top general fees
is designed for individuals
and families looking for We keep things simple so you always
affordable banking with know what you’re paying for.
Here are the key fees simplified.
meaningful rewards.
Enjoy easy, cost-effective
banking while earning Monthly account fee
exclusive benefits tailored
to your lifestyle. R250 p.m.
ATM withdrawals Cash deposits
(FNB ATMs) (FNB ATMs)
R3 000 per month at R3 000 per month at
no charge thereafter, no charge thereafter,
R2.70 per R100. R1.70 per R100.

Electronic eWallet sends

transfers, debit One at no charge
orders and FNB to per month
FNB payments via the FNB App.
Ways to bank better No charge
via the FNB App.
The FNB Premier Account offers more than just everyday
banking, it gives you real rewards that add value to your life.

Discounted FNB Up to 30 days Unlimited Real-Time Payments Earn up to

Fusion Monthly interest-free on your electronic (Payshap/Instant 40%**
Account Fee FNB Fusion transactions Payment/ Pay & Clear off selected domestic and
international flights, domestic
with an integrated Card transactions. FNB to FNB Now) at no charge up
car hire and bus tickets based on
credit facility. payments, transfers, to the total value of your eBucks reward level.
and debit orders. R4 000 per month.
Earn up to
R8/litre***
Enjoy a free Bank your family at a One Send Money R3 000 cash back in eBucks on fuel
unlimited* WhatsApp discount, no monthly transactions via the withdrawals with Engen, Wesbank and
FNB Car Insurance.
messaging* reward account fee for kids FNB App per month (FNB ATMs &
and 35 voice minutes and 50% off your at no charge. Cash@Till) and Earn up to
every month on all your spouse/partner’s R3 000 FNB ADT 30% back
FNB Connect SIMs. account fee. deposits per month in eBucks on Pick n Pay asap!
and up to 20% in-store with
at no charge. your FNB Premier Virtual Card.

Making banking Honouring fee Unpaid debit order fee

easier to If your debit order exceeds your A service fee applicable when a debit
available balance, FNB may still process
understand it, and a fee will be deducted once you
order or DebiCheck transaction cannot
be processed due to insufficient funds
Key fee descriptions deposit funds. in the account.

For a full breakdown, refer to the pricing section of this guide.

* Unlimited*: Terms & Conditions and Fair Usage Policy Apply
WhatsApp Messaging*: WhatsApp Messaging includes all Voice Notes, Messages, sending of video files, pictures/image files and document files. Applicable only to
WhatsApp and WhatsApp for business applications. All third-party APIs outside of the WhatsApp application are excluded from this offering.
** Discounts are based on your reward level and flight discounts exclude taxes, VAT and surcharges.
*** Up to R4/litre back when you pay for your monthly Engen fuel with your FNB Premier Virtual Card and load your car on nav» Car (under ‘My Garage’); up to R2/litre back
when you have an active vehicle finance agreement with WesBank or Toyota Financial Services; up to R2/litre back when you have an FNB Short Term Car Insurance
policy with paid up premiums. The amount on which you earn eBucks is limited to 20% of your total monthly qualifying FNB Premier Fusion Card, Premier Credit Card
and/or Premier Clients Debit card spend, or a total rand spend (on Engen fuel) of R2 000 per month, whichever occurs first.

Terms, conditions and eBucks earn limits 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).
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NAV PLACED HERE
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QUICK LINKS

05 Product comparison Unlimited electronic

07 Credit card benefits transactions
(FNB to FNB payments
08 FNB Premier Credit Card Account
and transfers) and
09 FNB Global Account unlimited swipes on
the FNB Premier Fusion/
10 FNB Foreign Exchange
Current Account
11 Benefits of a FNB Solopreneur
Bundle Credit card included in
Fusion/Current Account
monthly account fee

50 discount
on Premier monthly
%

account fee for your

spouse or partner and
complimentary FNBy
accounts for your children

IMPORTANT INFORMATION

Contact us
087 575 4653

Terms, conditions and eBucks earn limits 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).
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Transact Invest Lend Insure Lifestyle Fees

Product comparison
Access a team of FNB Premier Advisors to support you on your financial journey. With a team of advisors
available on chat 24/7 to help you manage your money plus innovative digital banking solutions with our
award winning app.

R250 p.m. R275 p.m.

FNB Fusion FNB Premier
Premier Account Current Account

R288 p.m. R310 p.m.

FNB Premier Fusion FNB Premier Current
Solopreneur Bundle Solopreneur Bundle

R125/ R115 p.m.

R137.50 p.m.
FNB Premier
FNB Fusion Premier Credit Card Account
account/FNB Premier
Current account for
your spouse/partner

R275 p.m.
FNB Islamic Premier
Current Account

We are also proud to offer you an FNB Islamic Premier Current Account, with similar value adds, reward benefits and
pricing as the FNB Premier Current Account. With Islamic Banking, you are eligible to earn a competitive monthly profit
share on your no fee Islamic Savings Account.

Terms, conditions and eBucks earn limits 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).
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Transact Invest Lend Insure Lifestyle Fees

Product comparison

FNB Fusion FNB Premier FNB Fusion Premier Account/FNB Premier

Premier Account Current Account Current Account for your spouse or partner

Monthly account R250 R275 R125/ R137.50*

FNB Fusion Premier Account/Current Account

Premier credit card account

Credit card facility service fee

1 additional credit card (linked to your FNB Premier Credit Card)

Virtual cards at no additional cost. Ideal for online shopping with added safety
because of its dynamic 3-digit CVV that changes regularly

Savings account with FNB Bank Your Change®

FNB Global Account**

1 send money transactions per billing cycle via the FNB App****
These benefits are included
with your discounted monthly Enjoy a free unlimited* WhatsApp messaging* reward and 35 voice minutes every month on all
fee on all FNB Premier Accounts your FNB Connect SIMs, plus get up to 15% back in eBucks on your FNB Connect SIM plan and
bundle purchases

No fee charge on withdrawals up to R3 000 per billing cycle. This includes withdrawals made
using Cash@Till™, cardless cash withdrawals and at FNB ATMs****

No fee charge on FNB ATM deposits up to R3 000 per billing cycle****

Benefit from the eBucks rewards programme at no additional cost to unlock rewards and benefits

Money Market Maximiser*****

Real-Time Payments (Payshap/Instant Payments/Pay & Clear Now) at no charge up to the value
of R4000 per month

Money Protect for up to R7 000 for fraud incidents

(applies to credit/Fusion cards and not debit cards)

All international transactions displayed in this pricing guide will incur a 2.5% currency conversion.
* 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).
** Fees are applicable to Foreign Exchange transactions. You may also be charged an annual card fee.
*** Unlimited - Terms and conditions and fair usage policy apply.
WhatsApp Messaging - WhatsApp Messaging includes all voice notes, messages, sending of video files, pictures/image files and document files.
Applicable only to WhatsApp and WhatsApp for business applications. All third-party APIs outside of the WhatsApp application are excluded from this offering. Please
visit fnb .za/fnb-connect for more information.
**** Per account billing cycle.
***** R65.50 monthly fee for Money Maximiser applies only to PAYU customers.
Terms, conditions and eBucks earn limits 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).
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Credit card benefits

Added Security Automatic Debt Protection**

Experience peace of mind with the Protect your family from your
virtual cards at no extra charge. Ideal for outstanding debt with Automatic Debt
online shopping with added Protection, which provides payment in the
safety because its dynamic 3-digit event of your death or permanent disability.
CVV changes regularly.

Complimentary airport lounge

Pay without a physical card access
Virtual cards can be used for FNB Pay Earn up to 8 complimentary visits a year to
FNB Pay (Tap to Pay* and Scan SLOW Lounges in the domestic terminals,
to Pay) and all partner wallet transactions, depending on your reward level. PLUS
including Apple Pay, Google Pay, Samsung unlock up to 12 additional visits when
Pay, Garmin Pay and SwatchPAY! without the booking domestic or international flights
need for a physical card. with eBucks Travel.

Personalised interest rate eBucks Travel discounts

Up to 55 days interest-free. Get up to 40%**** off selected domestic
and international flights, car hire
and bus bookings.
Global travel insurance
At no cost to you to cover your medical
expenses while traveling abroad. Unexpected medical expenses
Move unexpected medical expenses to the
budget facility at an interest rate of prime
or prime +2%, which will be fixed for the
Manage your money
whole duration of the chosen budget facility
The convenience of having your credit period for the transaction.
card account paid on time, every time with
the Auto Payment Solution.

Access to a budget facility

Repayment periods from 6 to 60
Connect
months. Access exclusive FNB Offers on
Enjoy a free unlimited*** WhatsApp your budget facility from retailers such as
messaging*** reward and 35 voice KOODOO , The Pro Shop and Cycle Lab
minutes every month on all your FNB at a preferential interest rate of prime or
Connect SIMs plus get up to 15% back in prime + 2%.
eBucks on your FNB Connect SIM plan and
bundle purchases.

Up to 40% back in eBucks

on devices and appliances
Purchase Protect
Purchase new tech or homeware through
Cover for physical items purchased the eBucks Partner shop on the FNB App
using your FNB Premier Virtual and earn up to 40% back in eBucks on your
Credit Card up to R10 000 per claim for monthly repayment when repaying the item
30 days from date of purchase. through your credit card budget facility.

* FNB Tap to Pay and Scan to Pay not applicable to Android users.
** Subject to key limitations and key exclusions. Details of the Automatic Debt Protect can be read in the FNB Credit Card terms and conditions made available
on the FNB website.
*** Unlimited - Terms and conditions and fair usage policy apply.
WhatsApp Messaging - WhatsApp Messaging includes all voice notes, messages, sending of video files, pictures/image files and document files.
Applicable only to WhatsApp and WhatsApp for business applications. All third-party APIs outside of the WhatsApp application are excluded from this offering.
**** Discounts are based on your reward level and flight discounts exclude taxes, VAT and surcharges.

Terms, conditions and eBucks earn limits 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).
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Insured by FirstRand Life Assurance Limited, a Licensed Life Insurer.
Transact Invest Lend Insure Lifestyle Fees

FNB Premier Credit Card Account

An FNB Premier Credit Card is more than

R115 p.m. just plastic in your wallet. It’s the key to your
lifestyle, unlocking new worlds and opening
FNB Premier up an array of exclusive benefits, rewards, and
Credit Card Account*** features to help you along the way as part of
the FNB Premier Account.

Credit facility fees

Credit facility service fee R25*

Initiation fee (once-off) Up to a maximum of R199

Credit card account fees

FNB Premier Credit Card monthly account fee R90**

No charge on 1 additional card,

Additional card fees
thereafter R21.50 per card linked to account

Credit card budget purchases No charge

* 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.
** 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.
*** Subject to affordability.

Terms, conditions and eBucks earn limits 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).
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FNB Global Account

FNB Premier offers you an FNB Global Account to save and transact in foreign currency. Whether you
are saving for offshore travel, require quick access to manage currency risk or are receiving and making
international payments occasionally, the FNB Global Account is the ideal choice.

FNB Global monthly account fee GBP USD EUR

Annual card fee £22 $28 €26

Virtual card fee No charge No charge No charge

International ATM withdrawal* £3 $5 €4

Card replacement (lost, stolen or damaged) £9 $12 €10

Balance enquiry £0.35 $0.50 € 0.40

Insufficient funds fee (ATM and point-of-sale transactions) £0.50 $0.80 € 0.60

Currency conversion 1.25% 1.25% 1.25%

(when a specific currency card is used in a different currency zone) (cross currency) (cross currency) (cross currency)

* Some ATMs overseas might also charge you a withdrawal fee over and above our fee.

Terms, conditions and eBucks earn limits 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).
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FNB Foreign Exchange

As SA’ s best foreign exchange provider* for 9 years in a row we offer a range of solutions to suit your
international travel and payment needs.

Foreign currency Global payments and receipts

Order foreign notes for the country you are With Online Banking and the FNB App you
visiting for yourself and third parties via the can send, receive, and invest in foreign
FNB App or Online Banking and it will be currency in a few simple steps. You also get
delivered to you at no cost. personalised exchange rates and
competitive fees when using our electronic
platforms.***
Multi-currency Cash Passport™
The Multi-currency Cash Passport™**
is your passport to paying for
PayPal
goods and withdrawing cash around PayPal is the safe, easy and fast way
the world, anywhere you see the to pay and get paid when shopping online
Mastercard® acceptance mark. It’s like cash or making payments. FNB is the only bank
in a card that can be uploaded with up to 7 in SA that offers the top-up and withdraw
major currencies. You can also order cards service to transfer funds to or from a PayPal
for third parties and top up by reloading account. PayPal is now also available on the
funds while traveling. Order Multi-currency FNB App.
Cash Passport™ via the FNB App or Online
Banking and it will delivered to you at
no cost.
MoneyGram®
MoneyGram® is a worldwide money transfer
service that lets you do cross-border
FNB Global Account person-to-person payments conveniently
Start saving and transacting in nine and within minutes on the FNB App.
currencies with an FNB Global Account.
On the US Dollar, Euro and British Pound
accounts get your linked global plastic or
virtual card and transact offshore. Get 10
annual complimentary visits, for you and a
guest, to over 1 200 International airport
lounges when you register your plastic FNB
Global Debit Card card on the VISA Airport
Companion App, powered
by DragonPass.****

See our full range of Foreign exchange solutions including the corresponding fees and terms and
conditions on the FNB website > Rates +Pricing > Pricing Overview > Bank > Foreign Exchange

* Best Foreign Exchange Provider South Africa 2017 - 2025 as awarded by Global Finance.
** Cash Passport™ is issued by The Mauritius Commercial Bank Limited pursuant to license by Mastercard® Asia/Pacific Pte. Ltd. Mastercard and the circles design are
registered trademarks of Mastercard International Incorporated.
*** Earn up to 50% back in eBucks on your transaction fees when sending or receiving money from abroad.
**** Find out more about FNB Global Accounts in the Global Account section of the pricing guide.

Terms, conditions and eBucks earn limits 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).
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Benefits of a FNB Solopreneur Bundle

FNB Solopreneur Bundle R288 p.m. Premier Fusion

Solopreneur
Designed for you and Premier Current
R310 p.m.
your business Solopreneur

Take your side hustle or business to the next level with the FNB Solopreneur Bundle
Separate your personal and business activity by getting a FNB First Business Zero Account*
with your personal account.

Accept card Tailored reward

FNB ATM ADT Same point payments solutions through
Cash Deposit of contact Available on the FNB eBucks for fuel,
ATM cash deposits Fulfill your business App, SpeedeeQR and stationery or
SpeedeeApp
up to R3 500 at no and personal needs
(for Android devices), with
grocery needs
extra cost per month. in one place.
no monthly rental or with Engen
upfront costs. and PnP.

Bespoke Unlock additional

payments bundle Easy tax filing Business
education VISA SME benefits
solution for your with TaxTim
Exclusive benefits for
personal and Enjoy 50% back in Access Fundaba on the start-ups using a Visa
eBucks on your tax FNB App, a business
business needs return submission fee. coach in your hand.
Commercial card for marketing
up to the total value of R5 000 tools, cloud infrastructure,
per month at no cost. productivity and more.

Integrated small
business account nav» Market Merchant services Send money
software solution Place Speedee or Speedpoint Customers will get
A smart market, build devices available at two (2) “send money”
3 months access to automated
your profile and grow competitive pricing with transactions (eWallet)
bookkeeping, cashflow
your customer base. reduced merchant fees. per month at no charge.
mastering and assistance with
VAT requirements at no charge
on Free Sage Start.

Terms, conditions and eBucks earn limits 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).
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Invest
QUICK LINKS

13 Savings and cash investments FNB remains the largest

14 Tax-free savings and investments
collector of household
deposits in South Africa,
15 Additional services
holding more
16 FNB Investor Platform fee
schedule
deposits than
any other bank*
19 FNB Fiduciary -
Wills, estates and trust Africa’s best for
administration Discretionary
20 Retirees solution Portfolio Management
at the Euromoney Global
Private Banking Awards 2024

Africa’s best for

Succession Planning
at the Euromoney Global
Private Banking Awards 2023
and 2024

IMPORTANT INFORMATION

Contact us
087 575 4653

* As per SARB February report 2025.

Terms, conditions and eBucks earn limits 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).
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Savings and cash investments

To meet your financial goals, choose from a selection of saving and cash investment solutions with options
ranging from a fixed investment period to immediate access to funds, or access with notice.

FNB Money Maximiser* FNB Savings account

• FNB Money Maximiser** A no fee FNB Savings Account linked to
Earn a money market related rate your Current account. No transactional fees
• Plus your capital and quoted returns apply to your savings account.
are fully guaranteed. With your Premier
bundle you can start investing with
FNB Money Maximiser
Stokvel account (group savings)
We can help you reach your collective
goals with ease. Save towards your
Deposit insurance collective goals with peace of mind,
Pay no fee on deposit insurance up to all members can view all transactions,
R100 000 on qualifying cash balances, and statements from the
investments products. comfort of their homes using FNB’s
digital solutions at R0 p.m.

Bank Your Change®

Automatically save your leftover cents when Scheduled transfer
you swipe your FNB Cheque or Debit card. Move money from your transactional
Round the purchase amount up to the account to your savings account
nearest rand and have this transferred to automatically, helping you save regularly
your FNB Savings Account, at no cost. and consistently.

See our full range of savings and cash investment solutions including the corresponding fees and terms and conditions on the
FNB website > Rates +Pricing > Pricing Overview > Invest > Savings and Cash Investments

* A minimum opening deposit of R100 000 is required to activate the account and must be maintained to continue earning interest.
** Money Maximiser is included in all our FNB Premier pricing options, except for bundle, at no additional fee.

Terms, conditions and eBucks earn limits 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).
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Tax-free savings and investments

Pay no tax on your investment returns. Let us assist you on your wealth creation journey, pay no tax on your
savings, dividends, and take advantage of compound interest where you earn interest on your interest.
With a tax-free account you are able to contribute a maximum of R36 000 per tax year, and a maximum of
R500 000 during your lifetime.

Invest Tax- free shares Tax- free cash deposit

With the FNB Tax-Free Shares Account, you The tax-free cash deposit guarantees your
are invested in the FNB Top 40 ETF and FNB capital and quoted returns with the added
Midcap ETF. This gives you access to the top benefit that your returns are not taxed.
100 companies on the JSE, offering you an
instantly diversified portfolio. Enjoy all the
Tax-free shares benefits of investing while paying no tax on
capital gains, dividends and interest earned. Tax-free unit trusts
Horizon Series Unit Trusts are a range of
five expertly modelled funds that target
With the FNB Tax-Free Shares Account, you are invested in the FNB Topthe 40appropriate
ETF and FNB Midcap
return ETF. This
over different time
gives you access to the top 100 companies on the JSE, offering you anhorizons,
instantlyfinally
diversified portfolio.
taking the Enjoy
complexity out
of investing.
all the benefits of investing while paying no tax on capital gains, dividends and interest earned.

General
Tax-Freefees
Shares Fees
Monthly account fee No charge

First trading day of month / delayed trades

Trade option
(today at 15:00)

First trading day 0.25% excl VAT

Brokerage fees
Delayed trades
0.25% (min of R25) excl VAT
(today at 15:00)

Terms, conditions and eBucks earn limits 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).
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Additional services

Share transfer (per counter) excl VAT

Account transfer in No charge

Account transfer out R135

Internal transfer No charge

Portfolio move in No charge

Portfolio move out R100

Transaction fees
Transaction fees Electronic Telephone Branch

Transfers No charge R80 R80

Payments R8.50 R80 R80

Share removal (per instruction)

R1 to R50 000 R990 R1 650

R50 000 to R2 000 000 Normal R1 550 Fast Track R2 750

R2 000 000 and more R2 650 R4 800

Terms, conditions and eBucks earn limits 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).
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Fee
FNBschedule
Investor Platform fee schedule

Annual administration fee for living annuities and endowment products (incl VAT)

Aggregated Ashburton Ashburton Ashburton

FNB Ashburton
assets on the All funds*
Funds (1) Funds (2)
Stable Income SA Income Money Market
Fund (3) Fund (4) Fund (5)
platform

First R1 500 000 0.46% 0.35% 0.35% 0.14% 0.20% 0.20%

Next R2 000 000 0.35% 0.35% 0.35% 0.14% 0.20% 0.20%

Above R3 500 000 0.23% 0.35% 0.35% 0.14% 0.20% 0.20%

Annual administration fee for all other products** (excl VAT)

First R1 500 000 0.40% 0.30% 0.30% 0.12% 0.17% 0.17%

Next R2 000 000 0.30% 0.30% 0.30% 0.12% 0.17% 0.17%

Above R3 500 000 0.20% 0.30% 0.30% 0.12% 0.17% 0.17%

* 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 Limited (Reg number 2011/139123/07) is an authorised administrative financial services provider (FSP number 44341) (“FNB”).

Terms, conditions and eBucks earn limits 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).
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Fee
FNBschedule
Investor Platform fee schedule

Personal share portfolio annual

Excluding VAT
administration fee for all other products
First R7 500 000 0.25%

Next R7 500 000 0.15%

Next R10 000 000 0.10%

Above R25 000 000 0.05%

Personal share portfolio annual

Including VAT
administration fee for living annuity
First R7 500 000 0.29%

Next R7 500 000 0.17%

Next R10 000 000 0.12%

Above R25 000 000 0.06%

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.
FNB Investor Services Proprietary Limited, Registration Number 2011/139123/07, is a subsidiary within the FirstRand Group of Companies and an
Authorised Financial Services Provider (FSP Number 44341).

Terms, conditions and eBucks earn limits 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).
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Fee
FNBschedule
Investor Platform fee schedule

FNB Horizon Series annual asset management fees (excl VAT)

FNB Multi Manager Income 0.40%

FNB Global Equity 0.60%

FNB Growth Fund of Funds 0.86%

FNB Islamic Balanced Fund 1.25%

FNB Moderate Fund of Funds 0.79%

FNB Stable Fund of Funds 0.67%

FNB Multi Manager funds annual asset management fees (excl VAT)
FNB Multi Manager Balanced 0.75%

FNB Multi Manager Bond 0.75%

FNB Multi Manager Equity 0.7%

FNB Multi Manager Property 0.75%

FNB Core Range funds annual asset management fees (excl VAT)
FNB Core Balanced Fund 0.26%

Ashburton Range funds annual asset management fees (excl VAT)

Ashburton Balanced Fund 0.60%

Ashburton Bond Fund 0.55%

Ashburton Diversified Income Fund 0.60%

Ashburton Equity Fund 0.60%

Ashburton Global Flexible Feeder Fund 0.85%

Ashburton Global Leaders ZAR Equity Feeder 0.55%

Ashburton GOVI Tracker Fund 0.30%

Ashburton Money Market Fund 0.30%

Ashburton Property Fund 0.60%

Ashburton SA Income Fund 0.55%

Ashburton Stable Income Fund 0.35%

Ashburton Targeted Return Fund 0.70%

For the full 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.
FNB Investor Services Proprietary Limited, Registration Number 2011/139123/07, is a subsidiary within the FirstRand Group of Companies and an
Authorised Financial Services Provider (FSP Number 44341).

Terms, conditions and eBucks earn limits 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).
18
35
Transact Invest Lend Insure Lifestyle Fees

FNB Fiduciary -
Wills, estates and trust administration
Our fiduciary solutions include the drafting of Wills, creation of trusts, trust administration, as well as
administering deceased estates both locally and in Guernsey via FNB International Trustees.

Will drafting Local and offshore trust

• Draft your Will on the FNB App and make • We set up a variety of local and offshore
use of our personalised estate calculation trusts and administer them for you to
to see if you will have enough money to help you achieve your wealth transfer
cover all your estate-related costs and and protection goals, such as long-term
support your loved ones.​Plus, you get legacy planning, protecting the interests
eBucks reward level points monthly when if your family, and assisting with your
you have your Will and FNB Life insurance charitable giving strategies
with us • Professional trustee services
• Drafting, updating and safekeeping of that navigates the complex task of
your Will at no additional cost trust management

Executorship Philanthropy
• Professional executorship service and • Make donations to causes you care about
executors with estate administration for or establish a philanthropy strategy for
over 150 years yourself, family or your business, we can
• Whether you are choosing an executor assist you
or acting as one and need assistance, we • Our FNB Philanthropy Centre can help
can help guide you through the process you design and deliver community
and help relieve you of the burden context-based solutions that support
associated with winding up an estate business objectives while being aligned
• We offer affordable estate with international and national
administration services for estate values development priorities
at less than R250 000

FNB Fiduciary (Pty) Limited Registration Number 1986/003488/07 - A subsidiary within the FirstRand Group of Companies. An Authorised Financial Services Provider.
Terms and conditions apply. *eBucks is embedded in the Insurance Products and earn depends on meeting and maintaining qualifying criteria.

FirstRand Life Assurance Limited,

earn alimits
licensed
apply.life insurer.
Terms, conditions and eBucks 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).
19
Transact Invest Lend Insure Lifestyle Fees

Retirees solution
Get more with our retirees solution
To help you navigate this new life stage, we have carefully curated a holistic solution for individuals aged 60
and older.

Grow, preserve and protect More help

• Earn preferential rates on your • Dedicated private advisors and team of
fixed deposits experts available
• Get peace of mind with an FNB Will, free • Advice session to ensure you are on track
collection and safekeeping
• Up to 50% off on your executor fees on
qualifying FirstRand Investments
Connect offerings
• One-on-one assistance from our estate
specialists to help draft your Will or • FNB offers smart devices at reduced rates
overall estate plan and you can pay for them over a 24 month
period with zero additional fees, interest or
• Benefit from either a 50% or 100%
charges payable
rebate on your monthly transactional
account fees based on qualifying
investment balances

More rewards
• Double points to help you move up a
reward level if you are on the retirees
solution pricing option
• Get rewarded with up to 15% back in
eBucks on your FNB Connect SIM plan
and prepaid airtime, data, voice minutes
and SMS bundle purchases
• Enjoy a free unlimited* WhatsApp
messaging* reward and 35 voice
minutes every month on all your FNB
Connect SIMs
• Earn eBucks points by purchasing three
or more different products from the Buy
menu on the FNB App
• Get up to 30% back in eBucks when you
shop at Clicks on Wednesdays and pay
with your FNB Premier Card

Note
Spouses have to qualify for the Retirees Solution with their own investment balances. All other transactional
pricing is aligned to that outlined in this guide. The above rules apply equally to all corresponding Islamic
Banking Products. Only applicable to clients on the FNB Retirees Solution. Retirees solution rules apply.
Find our Retirees Solution Rules on www.fnb.co.za > About FNB + Legal > Product Terms and Conditions >
FNB Retirees Solution Rules - Terms and Conditions

* Unlimited - Terms and conditions and fair usage policy apply.

WhatsApp Messaging - WhatsApp Messaging includes all voice notes, messages, sending of video files, pictures/image files and document files. Applicable only to
WhatsApp and WhatsApp for business applications. All third-party APIs outside of the WhatsApp application are excluded from this offering.

Terms, conditions and eBucks earn limits 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).
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Transact Invest Lend Insure Lifestyle Fees

Lend
QUICK LINKS

22 Lend benefits Home

23 Home and Structured Finance get

0.25 %
Lending

interest rate discount

if you meet the main
banked criteria

IMPORTANT INFORMATION

Contact us
087 575 4653

Please refer to the website fnb .za to access the main banked rules which reflect the main banked criteria.
Terms, conditions and eBucks earn limits 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).
21
Transact Invest Lend Insure Lifestyle Fees

Lend benefits **

FNB Overdraft/Fusion Account FNB Revolving Facility

• You have access to credit in the form of Access available funds 24/7 without
an overdraft facility without having to pay needing to re-apply. Facility is linked to your
initiation fees FNB transactional account.
• Overdraft/Fusion facility fee charged
Clients have a choice between two monthly
upon utilisation
repayment methods.
• Your overdraft facility is a convenient
credit facility that helps you prepare for • Variable repayment where you only pay
monthly cash flow shortages with a for what you use. Repayments reduce as
personalised interest rate based on your your balance reduces
individual credit profile. You also have the • Fixed repayment is easy to budget for
option of taking up debt protection and your payments never change
• Shortfall protection protects your
transactional account from excesses.
FNB Temporary Loan Shortfall protection is optional at
no cost. You can opt in and out of this
• Temporary loans are quick and easy. functionality at any time*
There are no forms to fill in and you can
easily accept your loan via the FNB App • Debt protection is an insurance policy
and online banking taken up to cover the outstanding
balance of your debt in the event of
• This loan is pre-approved and is offered death and permanent disability.
in line with the way you’ve managed your It covers up to 12 months’ installments
credit profile. Once you’ve accepted the in the event of unemployment, inability
offer, funds are immediately available in to earn an income or temporary disability.
your account You will be charged a monthly premium
for this policy*

FNB Student Loan

Can be used for tuition fees, FNB Personal Loan
accommodation, equipment, other study We can help you get a personal loan of up
material and devices. Features include. to R360 000. Whether you have planned
• The FNB Student Loan can payout or unplanned expenses like renovating your
an amount ranging from home, a personal loan can help you achieve
R1 000 to R360 000 your goals. Using the right credit for the
• Interest rates linked to prime from as right reason can change your life.
low as prime less 0.50% • A personalised interest rate
• Pay interest and fees for 12 months • A payment break every January***
plus capital thereafter
• A fixed and flexible monthly repayment
• CPP covers the principal debtor making it easy for budgeting, with no
(the applicant) and the student penalties for settling your loan early.
• Repayments occur according to the Your repayment remains the same each
your salary frequency and therefore month and you get a repayment term of
weekly, fortnightly or monthly up 72 months
• No penalty fees for early settlements • Top up your existing loan and pay
no initiation fee

Credit switch
Consolidate your qualifying credit
Earn more eBucks
from various credit providers into one • Have an FNB personal loan, student
convenient personal loan and you could loan or revolving facility with an active
benefit from one set of fees, one reduced DebiCheck mandate and make your
monthly repayment and one personalised repayments via a monthly debit order
interest rate. from your FNB Fusion or current
account to be rewarded
• New exciting ways to be rewarded have
been unlocked with shortfall protection
and revolving facility utilization.
Ts&Cs Apply

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

** Credit is subject to qualifying criteria.
*** On loan terms of over 6 months and where the account is not in arrears.

Terms, conditions and eBucks earn limits 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).
22
Insured by FirstRand Life Assurance Limited, a Licensed Insurer. Insured by FirstRand Short-term Insurance Limited. A licensed insurer.
Transact Invest Lend Insure Lifestyle Fees

Home and Structured Lending

We offer finance solutions and tools to guide you through the entire home
loan process with nav» Home on the FNB App.

Create or buy the home you’ve always wanted with our pension backed
lending solution.

You can also use additional funds available in your loan account to fund
solar energy solutions.

For more information and pricing refer to the FNB Home Loans pricing guide
on fnb .za. Click on rates and pricing, then select pricing guide overview,
then borrow and then choose FNB Home Loans pricing guide.

eBucks earn
Terms, conditions and product ruleslimits
apply.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).
23
Insured by FirstRand Life Assurance Limited, a Licensed Insurer. Insured by FirstRand Short-term Insurance Limited. A licensed insurer.
Transact Invest Lend Insure Lifestyle Fees

Insure
QUICK LINKS

40 %
25 FNB Insure
Up to
back on your life
insurance premium
in eBucks

24/7 telephonic
legal assistance at
R
130
with FNB Law on Call
p.m.
Personal and

R
199
with FNB Law on Call
p.m.
Personal Plus

IMPORTANT INFORMATION

Contact us
087 575 4653

Terms, conditions and eBucks earn limits apply. eBucks is embedded in the Insurance Products and earn depends on
Terms, conditions
meeting and eBucks
and maintaining earn limits
qualifying apply. Certain benefits are dependent on your account and eBucks rewards level.
criteria.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
24
Insured by FirstRand Life Assurance Limited, a Licensed Insurer. Insured by FirstRand Short-term Insurance Limited. A licensed insurer.
Transact Invest Lend Insure Lifestyle Fees

FNB Insure
Let us help you prepare for life’s uncertainties with FNB Insure, and get rewarded for it

FNB Health Cash Plan* FNB Gap Cover*

Get up to R3 000 daily when admitted in Cover your medical expenses when
hospital for more than 48 hours, from R50 medical aid is not enough, from R250
per month. per month.

FNB Life Customised FNB Estate Protector

Get up to R100 million life cover and earn Get up to R1 million cover for your deceased
up to 40% of your premium back in eBucks. estate administration fees. Plus, a 30%
Plus, more cover at no extra cost, to help discount on the executor fee, and no
with immediate expenses, paid out within executor costs on the proceeds of a FNB
24 hours of a valid claim Life Insurance policy, when you nominate
• R30 000 Funeral Cover FNB Fiduciary as executor.
• 2 times qualifying monthly spend as
Spend Protect
FNB Permanent Disability
Pays out a cash lump sum enabling you to
FNB Critical Illness continue to protect and maintain the
Pays out a lump sum so you can focus on lifestyle you’ve created for yourself and
getting well without any financial worry. loved ones. Plus, pay no premiums on your
Plus, more cover at no extra cost: policy for 6 months after a valid claim.
• 10% of your cover as Automatic Child
Critical Illness up to R150 000
• 10% of your cover as Future Family
FNB Law on Call Personal Plan
benefit up to R150 000
You, and your family (children up to 21
years) can access expert legal advice,
in-court representation and help for civil,
FNB Funeral Plan criminal, labour, family and other matters,
Get cover of up to R100 000 for yourself as well as assistance with personal legal
and your family members. Plus, you can contracts at R130pm. Should you opt for
add up to 21 family members on one plan. the Plus option for R199pm, you will avail
of five additional benefits to assist with
your personal legal needs.

Get up to 15% of your car and home premium back in eBucks and boost your earning to up to
R8/litre back in eBucks on your fuel spend at Engen every month.

Car insurance Buildings insurance Home contents Portable possessions

Cover pays to replace Comprehensive cover insurance insurance
or repair your vehicle for your building and Comprehensive cover Multiple cover options
if it’s stolen or its permanent fixtures for the movable items in for valuables you take
damaged, whether a and fittings, against loss your home against theft, out of your home so
chipped windscreen or damage caused by loss or damage. that you always have
or something more incidents like fire peace of mind.
serious. and theft.

Purchase protect
a value-added benefit for tangible items purchased with your FNB Fusion®, Debit and Credit Virtual Card
and covers tangible items against theft/damage for up to R10 000.

* The FNB Health Cash Plan and FNB Gap Cover are not a medical scheme. Cover is not the same as that of a medical scheme nor is it a substitute for medical scheme.
To take up FNB Gap Cover, you need to be a member of a medical scheme.
Terms, conditions and eBucks earn limits apply. Premium may be reviewed annually. eBucks is embedded in the insurance products and earn depends on meeting and
maintaining qualifying criteria. membership.
Terms, conditions and eBucks earn limits 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).
25
Insured by FirstRand Life Assurance Limited, a Licensed Insurer. Insured by FirstRand Short-term Insurance Limited. A licensed insurer.
Transact Invest Lend Insure Lifestyle Fees

Lifestyle
QUICK LINKS

27 eBucks Rewards Did you know

30 FNB Connect that you can

32 nav»
pay for your
33 Integrated advice
groceries from
Pick n Pay and
SPAR with
your eBucks

IMPORTANT INFORMATION

Contact us
087 575 4653

Terms, conditions and eBucks earn limits 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).
26
Transact Invest Lend Insure Lifestyle Fees

eBucks Rewards
Help with so much more than just banking
d s
a r
As South Africa’s leading rewards programme, eBucks gives you a ew
e r
range of rewards to help you manage your money while enjoying
M or
life’s luxuries. The more you manage your money well, the higher your
eBucks reward level and the greater your eBucks rewards. You can earn
as much as 3x your bank fees (or more) in eBucks every month. And the
best part? You get it all at no extra cost.

Your FNB Premier

1 2 3 4 5
eBucks rewards include eBucks rewards levels

The ability to Pay with your FNB Premier Virtual Card

to earn up to
earn eBucks
• 20% back at Pick n Pay and Pick n Pay
Clothing in-store, and up to 30% back
Earn eBucks on your monthly spend at on the Pick n Pay asap! app
various partners. R1 equals eB10 and your • 15% back in eBucks at ARC store
eBucks never expire.
• Clients aged 60 and over can earn
double eBucks (up to 30% back in
You can also earn additional eBucks when you
eBucks) at Clicks on Wednesdays by
manage your financial and lifestyle needs with
paying with their qualifying FNB Card in
FNB solutions. The eBucks you earn are based on
store or online
your eBucks reward level.
• R8/litre back* in eBucks every month
when you fill up at Engen
• 15% back in eBucks at Clicks
FNB Life Insurance
Up to 40% of your monthly life
insurance premiums back in eBucks
every month.

FNB Car Insurance

Up to 15% of your monthly car
insurance premiums back in eBucks
every month. Double eBucks on
Clicks Family Day
FNB Home Insurance Get up to 30%* back in eBucks at Clicks
Up to 15% of your monthly home on the 15th of every month when your
insurance premiums back in eBucks spouse and/or child banks with FNB.
every month.

FNB Connect Rewards

Up to 15% back in eBucks on your
FNB Connect SIM plan and prepaid
bundle purchases.
Customers aged 70 and above do not need to
achieve the virtual card spend requirement.

* Up to R4/litre back when you pay for your monthly Engen fuel with your FNB Premier Virtual Card and load your car on nav» Car (under ‘My Garage’); up to R2/litre back
when you have an active vehicle finance agreement with WesBank or Toyota Financial Services; up to R2/litre back when you have an FNB Short Term Car Insurance
policy with paid up premiums. The amount on which you earn eBucks is limited to 20% of your total monthly qualifying FNB Premier Fusion Card, Premier Credit Card
and/or Premier Clients Debit card spend, or a total rand spend (on Engen fuel) of R2 000 per month, whichever occurs first.
** You and your spouse/partner must be verified as a family and you both must have an FNB Fusion Premier Account, FNB Premier Current account,
FNB Islamic Premier Account or you must have an active FNBy transactional account linked to your profile for children below 18 years old.

Terms, conditions and eBucks earn limits 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).
27
 Transact Invest Lend Insure Lifestyle Fees

eBucks Rewards

Spend eBucks at our partners. View all partners on

The ability to
spend eBucks
instead of rands
Save your rands when you spend your • Pay for flights, accommodation, bus tickets and car hire
eBucks in-store and online with our partners through eBucks Travel
or shop securely online with eBucks Partner • Pay your account fees in eBucks on the FNB App
Shop on the FNB App. • Pay traffic fines or your car license disc renewal fees on
the FNB App
• Spend eBucks at the eBucks Partner Shop on the FNB App

eBucks Travel and Stretch your

eBucks Shop discounts family discounts further
You will be allocated R5 000 a year • You can continue to book travel for your
from 1 July to 30 June in Annual Discount Savings FNB-banked spouse and/or child(ren) at the
to use on discounted flights, car hire, bus tickets discount applicable to your reward level
and eBucks Shop. as long as you have a positive Annual Discount
Savings balance and they are linked on your
• Up to 40%* off selected domestic and family profile
international flights • Your spouse’s discount will come off their own
• Up to 40% off domestic AVIS car hire Annual Discount Savings balance
• Up to 40% off bus tickets when traveling • Your child’s discount will not be deducted from
across South Africa and to the rest of Africa your Annual Discount Savings if you as the main
member / parent making the booking have a
• Up to 40% off on selected products at the positive Annual Discount Savings balance and
eBucks Partner Shop are traveling with the child

Other rewards for you and your family

When travelling domestically, you can enjoy up to 8 complimentary visits a year
to the luxurious SLOW Lounges, depending on your reward level. Plus unlock 12
additional visits when booking domestic and international flights on the FNB App for
yourself, your spouse and your child through eBucks Travel.

• You can now qualify for a weekly R50 Starbucks voucher to spend on any
Starbucks menu item(s) of your choice worth R75 or more. To qualify, make at least 5
payments using your FNB Virtual Card each week and be on reward level 2 or higher
• You’ll also now be able to use your quarterly Wimpy burger or breakfast voucher
at any Wimpy restaurant nationwide. Qualify by getting to eBucks reward level 3 or
higher. You’ll qualify for a R50 Wimpy voucher on reward level 2
• Plus, get Kauai vouchers every month according to your rewards level when you
use your FNB Fusion or credit Card for 100% of your monthly spend

* Discounts are based on your reward level and exclude taxes, VAT and surcharges.
Terms, conditions and eBucks earn limits 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).
28

JAW 5939 Premier Consumer D13.0 • July 13, 2025 9:43 am

 Transact Invest Lend Insure Lifestyle Fees

eBucks Rewards

FNB Premier clients can now get up to 40% back in eBucks

on new device and appliances from the eBucks Partner
Shop. Choose from the latest range of kitchen appliances,
smartphones, fitness devices, accessories, TVs, laptops, tablets,
Get up to 40% home solutions and more.
back on new Then, pay for your purchase with your FNB Premier Premier
devices and Credit Card, Fusion Card or over a Fixed term, opt-in and meet
the monthly reward level and spend requirements to earn
appliances eBucks back every month. Credit card purchases will be moved
to budget at Prime+2% by credit card. There is a FNB Connect
SIM spend requirement to earn eBucks back on fixed term
contract purchases. Visit for details.

Complimentary Enjoy immediate access to eBucks reward level 3

FNB Premier benefits for three months when you
benefits for new upgrade or take up a new FNB Premier account. Plus
FNB Premier complimentary Starbucks, Wimpy and Kauai vouchers
in your first month of joining FNB Premier. Visit
customers for details.

Access entertainment, safety and

education services for the whole
family at reduced rates
Sign up through eBucks on the FNB App

Rewards tip 1
To earn maximum rewards, get to eBucks Reward level 5 by collecting points for your
everyday banking, maintaining a good credit status, using the FNB App, and more. View
the ‘Track my rewards’ tab under eBucks on the FNB App to see how you can collect
reward level points and potentially move up a reward level.

Rewards tip 2
Pay with your FNB Premier Virtual Card at our partners to earn maximum rewards
according to your reward level.

This is not meant to be a comprehensive guide to the eBucks Rewards Programme earn rules. Please visit eBucks m for the complete rules.

Terms, conditions and eBucks earn limits 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).
29

JAW 5939 Premier Consumer D13.0 • July 13, 2025 9:43 am

Transact Invest Lend Insure Lifestyle Fees

FNB Connect
FNB Connect offers Flexible SIM plans (including eSIM) are available on Prepaid, Top Up and Postpaid to suit
your every need plus stay connected wherever you travel with our international travel eSIM options.

1 2
Enjoy a free unlimited* Up to 40% back in
WhatsApp messaging* reward eBucks on a new device
and 35 voice minutes every month on all your from FNB Connect through eBucks Partner Shop. Choose
FNB Connect SIMs. from the latest range of smartphones, fitness devices.

3 4 5
Spend R300 Order and manage
Up to 15% back
on your FNB Connect SIM Plan
by purchasing three or
more different products
your own SIM card
and prepaid bundle purchases from the Buy menu on the or port your number with ease on the
in eBucks. FNB App to collect eBucks FNB App to get extensive coverage
reward level points. around South Africa.

The more reward level points you collect in a

FNB Collect eBucks
month, the higher your reward level.
Connect reward level points Qualifying criteria
Rewards by purchasing three or
1. Make sure that your FirstRand Bank accounts are active
more different products and in good standing
from the Buy menu on 2. Spend a minimum of R300 when you buy three or more
different products on the Buy menu on the FNB App
the FNB App

Earn eBucks FNB Premier Account holders can enjoy a free

on your FNB unlimited* WhatsApp messaging* reward
Connect SIM Plan and 35 voice minutes every month on all your
and purchases FNB Connect SIMs
Get up to 15% back in Qualifying criteria
eBucks on your FNB 1. Make sure that your FirstRand Bank accounts are active and in
Connect SIM plan and good standing
prepaid airtime, data, 2. Make a monthly deposit of R16 500 or 10 debit transactions
voice minutes and SMS 3. Spend R1 or more on FNB Connect SIM Plans
bundle purchases.
Seniors*** Family Banking
The percentage • Ensure all • Ensure all FirstRand Bank accounts are active and in
earned is based your FirstRand Bank good standing
eBucks level accounts are • Spend R1 or more on your FNB Connect SIM Plans
active and in
• Link your family members to your family profile and get
good standing
eBucks level % back in eBucks the relationships validated** on the FNB App
• Spend R1 or
1 1% • You and your partner must have aligned qualifying
more on your
2 2.5% transactional account. i.e Both of you must have your
FNB Connect
3 5% own Premier Account
SIM Plans
4 7.5% • Ensure you and your family members have a network
5 15% active FNB Connect SIM card

* Unlimited - Terms and conditions and fair usage policy apply.

WhatsApp Messaging - WhatsApp Messaging includes all voice notes, messages, sending of video files, pictures/image files and document files. Applicable only to
WhatsApp and WhatsApp for business applications. All third-party APIs outside of the WhatsApp application are excluded from this offering.
** Validated is defined as the confirmation and approval of the relationship between parties being added to the Family Profile.
*** Customers 60 years of age and above.
**** Different products refer to products from these Buy menu categories: Electricity, Lotto, Airtime and Bundles, Gaming and Vouchers (including eBucks Vouchers).

Terms, conditions and eBucks earn limits 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).
30
Transact Invest Lend Insure Lifestyle Fees

FNB Connect

FNB Premier clients can now get up to 40% back in eBucks

on new devices from the eBucks Partner Shop

Choose from the latest range of kitchen appliances, The eBucks you earn depend on
smartphones, fitness devices, accessories, TVs,
laptops, tablets, home solutions and more. Then, pay your reward level
upfront for your FNB Connect purchase with your FNB
Premier Fusion Card or through a fixed-term contract, Reward
1 2 3 4 5
opt-in and meet the monthly reward level and spend level
requirements to earn eBucks back every month.
eBucks
There is an additional FNB Connect SIM plan spend 0% 0% 10% 20% 40%
earned
rule for fixed-term purchase only.

Here’s how to get started

Once-off purchases using a Fixed-term contract purchases

FNB Fusion Premier Card
• Be on reward level 3 or higher
• Be on reward level 3 or higher • Spend a minimum monthly amount of R5 000
• Spend a minimum monthly amount of R5 000 on your FNB Premier Virtual Credit Card and/or
on your FNB Premier Virtual Credit Card and/ FNB Fusion Premier Virtual Card
or FNB Fusion Premier Virtual Card • Purchase a new device and opt into the device
• Purchase a new device and opt into the device benefit during checkout
benefit during checkout • Spend a minimum of R500 monthly on your
• Pay for the device with your FNB Fusion Premier Card FNB Connect SIM plans. Spend across all your SIM
plans will be calculated
• The Connect Relationship Agreement (‘Terms and
Conditions’) will apply to you when you take up FNB
Connect products and services from FirstRand Bank
Limited (‘FSR’, ‘us’, ‘we’ or ‘our’) and will form the basis
of your agreement with us

Important
information
• Your new device must be purchased
during the campaign period to qualify
• You can earn on multiple devices
• Earn is capped at a maximum monthly
repayment amount of R500 per month
for 24 months
• Your earn is calculated on your monthly
device repayment only
• You are eligible to earn for up to 24
months only
• Your earn excludes your monthly SIM
plan repayment

Terms, conditions and eBucks earn limits 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).
31
 Transact Invest Lend Insure Lifestyle Fees

nav»
nav» offers smart tools to help you make decisions about your
money and make your life simpler

nav» Home nav» Car

nav-igate your home journey. Get pre-selected nav-igate your car journey. Search for a car and
for finance to help you fast-track your journey of finance it with WesBank, list to sell your vehicle on
buying the home of your dreams. Sell your property our trusted Marketplace, manage your vehicle with
privately or find the help you need to fix or maintain licence disc renewals, and so much more with nav»
your home, all with nav» Home on the FNB App. Car on the FNB App.

nav» Money nav» Care

Make money moves. Easily The heart of help beats in
track your auto-categorised us all. Join our community
spend, set smart budget of care by donating or
alerts, view your credit adopting a cause close to
status, set saving goals, get a your heart via the FNB App.
snapshot of your net worth,
get money smart with a Money
Coach, and so much more.

nav» Earth nav» Energy

Lead a sustainable lifestyle. We have enabled clients
nav» Earth gives you access to better navigate South
to a carbon calculator that Africa’s ongoing energy
provides emission insights crisis with contextual
and a Carbon Coach to guide assistance, which includes
you on sustainable living. a new personal solar loan
Learn more about alternative and the sale of energy-
energy, shop the latest deals, related solutions on the
access solar financing, and FNB App.
chat to a verified alternative
energy provider.

nav» Marketplace nav» Graduate

Find properties, vehicles and 5-star providers nav-igate your journey from your first job to your first
on nav» Marketplace. You can request a service home. Access curated products, tools, benefits, and
or connect with sellers and providers securely. education to help you shape the life you want – all in one
Rate and review services rendered to help build place on the FNB App.
a trusted community. Chat securely, pay, rate
and review to help build a trusted community.

Terms, conditions and eBucks earn limits apply. Certain benefits are dependent on your account and eBucks rewards level.
AAdivision
divisionofofFirstRand
FirstRandBank
Bank Limited.
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(NCRCP20).
32
1

INFOGRAPHIC 2025_nav Money D3 • May 13, 2025 1:12 pm

 Transact Invest Lend Insure Lifestyle Fees

Integrated
Helping youadvice
manage your money
We are committed to helping all South Africans on their personal finance and wealth journey. Through
innovative solutions and cutting edge technology, we are able to provide our clients with education, tools and
solutions to better manage their finances.

Our money management philosophy is illustrated in nine principles on the wheel below.
Each principle is backed by tools to assist you. Find this and more on the FNB App.

Available funds Track spend Smart budget

A view of what is A view of all A tool to track
left after upcoming your spend expenses and set
payments spending limit alerts
eBucks
A view on all
eBucks earned,
spent, benefits Credit status
and partners An overview of
how well credit
Side
hustle is managed

Manage
Money coach #ForMe my debt
A financial coach with
education, tips and
missions. Earn badges Savings goals
Provide for Save for an
on your financial A tool to set short
education emergency
fitness journey
Spend less term goals and
save for them
Provide for my than I earn Protect my
automatically
retirement family

Manage Protect NEW

my assets my income
Savings goals My Will + legacy
A tool to set short Create a will and
term goals and save have a view of what
for them automatically is left after costs,
taxes and debts

NEW

Cover calculator
My net worth A life insurance calculator
A snapshot of financial that estimates the amount
health based on what nav» Earth of life cover needed based
you own (assets) minus Learn about living on the client information
what you owe (liabilities) a more sustainable and budget
lifestyle and how
to reduce your
carbon emissions

Terms, Conditions
conditions and eBucks
Earn Rules
earnapply.
limitsCertain
apply. Certain
benefitsbenefits
AAdivision
are dependent
are dependent
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FirstRandBank
on youron
Bank
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Limited.
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and eBucks
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Authorised
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Financial
Financial
level level.
Services
Services and
and Credit
Credit Provider
Provider (NCRCP20).
(NCRCP20).
33
1

INFOGRAPHIC 2025_FNB_IA Wheel_D2.0 • April 17, 2025 3:52 pm

Transact Invest Lend Insure Lifestyle Fees

Fees
QUICK LINKS

35 Bank charges
No
42 eBucks Travel fees charge for
• Connect prepaid
airtime and data
purchases
• Virtual Card
• Electronic payments
FNB to FNB

Real Time Payments

(Payshap/Instant
Payment/ Pay & Clear
Now) at no charge up to
the total value of R4 000
per month

IMPORTANT INFORMATION

Contact us
087 575 4653

Terms, conditions and eBucks earn limits 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).
34
Transact Invest Lend Insure Lifestyle Fees

Bank charges
The following pages contain our standard fees for transactions that are not included
in your monthly account fee or that you will be charged if you go over the limits outlined above.

These fees are applicable to the FNB Fusion Premier Account, Current Account and Credit Card.

No charge transaction (applicable to fusion and current)

Card purchases

Electronic payments FNB to FNB

Electronic transfers

Internal debit orders

No charge
External debit orders

Subscription to inContact, online banking, cellphone banking, telephone banking and the FNB App

Subscription to eBucks rewards

Savings account

Fees applicable on other products

Monthly FNB Fusion credit facility fee R57.50*****
(applies to NCA clients with credit agreements concluded between 1 June 2007 and 6 May 2016)

Monthly FNB Fusion credit facility fee R69*****

(applies to NCA clients with credit agreements concluded since 6 May 2016)

Monthly overdraft service fee R57.50 *****

(applies to NCA clients with credit agreements concluded between 1 June 2007 and 6 May 2016)

Monthly overdraft service fee R69 *****

(applies to NCA clients with credit agreements concluded since 6 May 2016)

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)

Monthly rebate on FNB Fusion credit facility fee for facilities of R1 000 only R39*
(applies to NCA clients with credit agreements concluded since 6 May 2016)

Monthly revolving facility service fee** R57.50

(applies to NCA clients with credit agreements concluded between 1 June 2007 and 6 May 2016)

Monthly revolving facility service fee** R69

(applies to NCA clients with credit agreements concluded since 6 May 2016)

Once-off revolving facility initiation fee** Up to R1 207.50***

(applies to NCA clients with credit agreements concluded since 6 May 2016)

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 R1 207.50***

Please note The Fusion facility fee will be charged upon utilisation.
The overdraft facility fee will be charged regardless of utilisation.
Any transactions not included or in excess of the limits above will be charged as per the tables below.
* Accounts must be in good standing.
* Existing customers that enter into a new agreement will be charged a monthly service fee of R69 once approved.
** Monthly revolving facility service fee and revolving facility initiation fee applicable to clients with revolving facility.
*** Up to R1207.50 (VAT included), depending on your loan amount.
**** Personal loan inclusive of Credit Switch and Student Loan.
***** Monthly credit service fee charged upon utilisation.

Terms, conditions and eBucks earn limits 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).
35
Transact Invest Lend Insure Lifestyle Fees

Bank charges

We’re excited to introduce Real-Time Payment*** Bundles designed to offer

more value, convenience, and cost efficiency for clients who frequently make real time
payments. These bundles provide a value of real-time payments at no charge, making
it easier to manage fees while ensuring your money gets where it needs to go instantly.
Whether you’re paying bills, to friends or family, or managing business expenses, our
new bundles are tailored to suit your payment habits.

Transaction Digital
type
FNB to other banks
Up to the total value of R4 000 per month at no charge
Real Time payments (including Payshap,
thereafter R10 per R1000 (max R50) per transaction
Instant Payments and Pay & Clear Now)

FNB to FNB
Real Time payments (including Payshap, No charge
Instant Payments and Pay & Clear Now)

Telephone
Transaction Digital banking
FNB banking International card
(Cellphone banking, FNB App, telephone banking, IVR,
type Branch (Assisted purchase fee
FNB ATM and online banking)
Consultant)

FNB to FNB: No charge 2.5% of transaction

Payments R85 R85
FNB to other Banks: R2 value (max R100)

Payment request
R1
convenience fee

Internal debit order No charge

External debit order R19

Cardless
Cash withdrawals AgencyPlus Cash@Till ATM withdrawal Branch withdrawal
withdrawal

Withdrawal R5 per R1 000 R2

FNB R2.70 per R100 R85 + R3.30 per R100 R2.70 per R100

Other Banks’ ATM R12 + R2.70 per R100

International* R85 R85 + R3.30 per R100

Debit order Digital channels Telephone banking FNB Branch

(Online, FNB App and
management cellphone banking)
(consultant assisted) (consultant assisted)

Stop payment No charge R85 R85

Debit order dispute R5 R50 R50

Transaction AgencyPlus Cash deposits Cash deposit at

Deposit@Till
type cash deposit at FNB ATM FNB Branch

Pricing is determined
Deposits R5 per R1 000 R1.70 per R100 R85 + R3.30 per R100 by the merchant and is
subject to change**

Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level.
* Additional 2.5% commission and conversion fee apply. Some ATMs overseas might charge a withdrawal fee.
** Available at selected merchants - Checkers, Shoprite, Usave, Pick n Pay and Boxer.
*** Real Time Payments include Payshap, Instant Payments and Pay & Clear Now

Terms, conditions and eBucks earn limits 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).
36
Transact Invest Lend Insure Lifestyle Fees

Bank charges

FNB Point-of- Other banks’

Branch and sale ATMs,
Transaction Digital banking telephone (Premier international
type (eChannels and mobile channels) banking Business point-of-sale
(Consultant Debit Cards (Consultant
assisted) only) assisted)

FNB Connect
No charge
prepaid airtime

R0 < spend <= R75 R0.60

Prepaid purchases - - -
Prepaid
R75 < spend <=150 R1.70
electricity
spend > R150 R3.30

Balance enquiries No charge R10 R2 R10

Prepaid airtime purchase using

R15 - - -
other banks’ ATMs

Prepaid airtime transaction fee

R1.60 - - -
(FNB App , online and USSD)

Transaction Digital banking Assisted banking

FNB ATM and FNB ATM
(FNB App, online banking, cellphone (FNB Branch or
type with deposits
banking, email) telephone banking)

Printing and emailing

Current month statements No charge Printing R7 per page
R60 per statement

Historical statements No charge - -

Daily R71 Daily R154 -

Additional statements
Weekly R33 Weekly R62
(fee per month)
Twice-monthly R19 Twice-monthly R32.50

Cellphone banking
No charge - -
mini- statement

Transactional list - - R7

Posted statements - R28 per statement -

Interim/provisional statements - R30 per page (max R60) -

Unsuccessful transactions (insufficient funds)

FNB ATM No charge

Point-of-sale, scheduled payment and other banks’ ATMs R8

8 at no charge, thereafter R115

Insufficient funds fee (returned item debit order)
(per unpaid item 9 or more)*

* Applicable over a rolling 12-months period across EFT Debit Order and Debi Check unpaid transactions.
** 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.
Go to the eBucks website or the FNB App to view how many complimentary visits you have.

Terms, conditions and eBucks earn limits 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).
37
Transact Invest Lend Insure Lifestyle Fees

Bank charges

Copies of vouchers (deposit slips)

Online banking No charge

Branch and telephone banking (consultant assisted) R85

Standard Urgent Scheduled International FNB Branch

Transaction type delivery delivery delivery delivery delivery

Card delivery fees No charge R290 R180 R820 No charge

Card replacement fees

Current Account Card/Fusion card/Credit card R160

Temporary card R130

FNB Petrol Card R160

Convenience and value-added services

Buy LOTTO™/Powerball R3*

Daily Lotto R1.60*

DStv payments*** R7

Cash swap fee No charge

Honoured value <R47

charged at honoured value
Payment honouring fee**
Honoured value >= R47
Charged at R47 per R100 ( max R200)****

Common Monetary Area (CMA) cross-border receipt R100 plus applicable cash deposit fee

Account confirmation letter/visa letter (online banking/FNB App) No charge

Account confirmation letter/visa letter (branch) R30

Online banking account verification R3.54

Electronic subscriptions services (fee per month)

My limit alert R4

Scheduled payment alert R4

Balance alert (fee per month)

Monthly R1.35

Weekly R3.70

Daily R18

Payment notifications
Email No charge

SMS No charge

* 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
**** Customer transaction honoured for a value of R10. Fee charged R10. Customer transaction honoured for a value of R50. Fee charged R47

Terms, conditions and eBucks earn limits 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).
38
Transact Invest Lend Insure Lifestyle Fees

Bank charges

Other fees
Online banking password reset telephone banking (consultant assisted) R85

Online banking payment history (older than 3 months) R7

Online banking account verification fee (FNB and other banks’ accounts) R3.54

Monthly petrol card fee* R30

Petrol card fuel purchases R6.25

Monthly device payment fee Device dependant

EFT recall R124

EFT reversal (single) R325.50

EFT reversal (batch) R683

Credit card deposit fees

FNB ATM with Automated Deposit Terminal (ADT) R1.70 per R100

FNB Branch and FNB ATM with envelope deposit facilities R85 + R3.30 per R100

Pricing determined by merchant and

Deposit at till
is subject to change**

Credit card linked account transfers and account payments

IVR Smart Transfer to FNB No charge

Third party payments R9.50

Telephone banking (consultant assisted) R85

Transfers and payments at branch R85

International card purchase fee 2.5% of transaction value (max R100)

Voucher retrieval requests

Local R110

International R308

Other credit card fees

Declined transaction fee R8

Card replacement fee R160 per card

R104 per transaction

Transactional Card Dispute
(first 5 no charge)

Unsuccessful/Invalid Card Dispute R157 per transaction

* FNB Fusion Premier Select Account and Premier Select Current Account
** Available at selected merchants - Checkers, Shoprite, Usave, Pick n Pay and Boxer.

Terms, conditions and eBucks earn limits 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).
39
Transact Invest Lend Insure Lifestyle Fees

Bank charges

Credit card convenience fees

Pay2Cell R9.50

Prepaid airtime transaction fee (App and online) R1.60

LottoTM/PowerBall* R3

Traffic fines R2.70

DStv R7

Daily Lotto R1.50

R0 < spend <= R75 R0.60

Prepaid Electricity R75 < spend <=150 R1.70

spend > R150 R3.30

eWallet
Fees for sender

Send money from FNB Account to eWallet R2 + R2.70 per R100

Telephone/branch R85
Reversal of incorrect
Cellphone banking R19
‘Send Money to eWallet’ transaction
FNB App R19

Fees for recipient

Monthly account fee No charge

Withdraw cash from an FNB ATM, FNB Mini ATM One withdrawal at no charge for
each payment received
AgencyPlus cash withdrawal (limited to max four at any time)**

Withdrawal at participating retailers No charge

Purchases at participating retailers No charge

Prepaid airtime transaction fee

R0.55
(cellphone banking, FNB App and online)

Prepaid Electricity R1.70

DSTV payments (Applicable to Buy tab) R7

Inactivity fee per month (after 6 months of inactivity) R7.50

Vouchers (entertainment, gaming, music, transport etc) R3

Transfer from your eWallet to your FNB Account No charge

eWallet balance enquiry No charge

eWallet mini-statement No charge

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

** Thereafter R11 per withdrawal from an FNB ATM and no charge at participating retailers. At AgencyPlus Agents a fee of R5 per R1000 will apply.

Terms, conditions and eBucks earn limits 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).
40
Transact Invest Lend Insure Lifestyle Fees

General
Bank charges
fees

MoneyGram®* From amount To amount Fee

$0.01 $100 $5

$100.01 $250 $10

$250.01 $500 $15

Collect at agent $500.01 $600 $25

$600.01 $800 $30

$800.01 $900 $35

$900.01 + $40

- $100 $5

$100.01 $250 $10

$250.01 $500 $15

Bank account deposit $500.01 $600 $25

$600.01 $800 $30

$800.01 $900 $35

$900.01 + $40

$0.01 $100 $2.66

$100.01 $250 $6.02

$250.01 $500 $11.20

Pay to wallet $500.01 $600 $24

$600.01 $800 $29.67

$800.01 $900 $29.67

$900.01 + $43.50

Receive a discount when sending MoneyGram® via the FNB App using the ‘direct to account’ option.
You can receive a 15% discount on the send fee, when sending a MoneyGram using the ‘direct to bank account’ option
where available in the destination country.*

* MoneyGram® fees exclude VAT.

Terms, conditions and earn

eBucks
rules
earn
apply.
limits
Certain
apply.benefits
Certain benefits
are dependent
are dependent
on your account
on your account
and eBucks
andrewards
eBucks rewards
level level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
41
1
Transact Invest Lend Insure Lifestyle Fees

eBucks Travel fees

Airlines tickets Charged per person

Domestic and regional bookings standard fee
R65
(max fee per booking is R260)
New booking fees
International bookings standard fee
R320
(max fee per booking is R1 280)

Domestic airline ticket standard fee R110

Change booking fees (charged per person)
International airline ticket standard fee R265

Domestic airline ticket standard fee R110

Refund fee (charged per person)
International airline ticket standard fee R265

Car rental Charged per booking

Domestic bookings standard fee R65
New booking fees
International bookings standard fee R160

Domestic bookings standard fee R110

Change booking fees
International bookings standard fee R220

Domestic bookings standard fee R110

Refund fee
International bookings standard fee R220

Accommodation and packages, cruises, rail, etc. Charged per booking

Domestic bookings standard fee R160
New booking fees
International bookings standard fee R265

Domestic bookings standard fee R160

Change booking fees
International bookings standard fee R265

Domestic bookings standard fee R160

Refund fee
International bookings standard fee R265

Transfers (paid for services) Charged per booking

Domestic transfers R65
New booking fees
International transfers R110

Domestic transfers R65

Change booking fees
International transfers R110

Domestic transfers R65

Refund fee
International transfers R110

Airport Lounge fees*

SLOW Lounge, domestic terminal R300

SLOW Lounge, international terminal R550

* Airport Lounge fees are applicable for every additional entry over and above complimentary entries and for every entry where the cardholder does not qualify for
complimentary entries. For more information on Airport Lounge access visit fnb. co. za/slow-lounge/index.htmll

Terms, conditions and earn

eBucks
rules
earn
apply.
limits
Certain
apply.benefits
Certain benefits
are dependent
are dependent
on your account
on your account
and eBucks
andrewards
eBucks rewards
level level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
42
1
Transact Invest Lend Insure Lifestyle Fees

Important
information
QUICK LINKS

44 The small print

44 Standard terminology

IMPORTANT INFORMATION

Contact us
087 575 4653

Terms, conditions and eBucks earn limits 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).
43
Transact Invest Lend Insure Lifestyle Fees

The small print

• These prices include VAT (except for FNBIT as VAT does not apply)
• Interest rates are personalised to you and appear on your account and credit card statement
• Visit FNB’s website for a copy of the terms, conditions and rules that govern our agreements
• If your credit facility goes into arrears, you will be liable for collection fees in accordance with the National Credit Act
• Should you require further information on any credit card products or services, please contact credit card Customer Enquiries
on 087 575 11 11 (standard rates apply)

Definitions
• Credit facility service fee is charged monthly to manage and maintain the Credit Facility. The fee may be added to the
outstanding balance and you may pay interest on the fee
• Credit card monthly account fee is charged monthly to manage and maintain your credit account

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. If we do this,
we’ll give you at least 20 business days’ notice of these changes. You’ll find these changes on FNB’s website
• We strive to keep the information provided in the pricing guide as accurate as possible, and we will not be held responsible if
an error or omission is found
• You must apply for each facility or product individually
• The granting of any facility or product is subject to you meeting the qualifying criteria of that product or facility
• Each facility or product has a set of terms and conditions for that specific facility or product. We agree on these terms and
conditions with the applicant
• If there is disagreement between the product or facility specific terms and conditions and what’s outlined in this pricing guide,
we’ll follow the product or facility-specific terms and conditions that apply to such a facility or product. FNB reserves the right
to change the features of any product or facility at any time
• Fees quoted as ‘per R100’ include parts thereof
• Where cellphone banking is referred to, standard network rates apply
• All fees quoted are VAT inclusive (except for FNBIT as VAT does not apply) and are effective from
1 July 2025 to 30 June 2026

Standard terminology
If you want to compare FNB’s fees with those of other banks, we have, as far as possible, used standard terminology throughout
this pricing guide. In the case where we’ve used FNB-specific terminology, we’ve added this here showing the wording that other
banks may use.

Glossary of terms
FNB term (as used in this guide) Standard terminology

Card purchase Card transaction

Payment Third party payment/stop order

Slimline devices Mini ATMs

eChannels Online banking, telephone banking, Interactive Voice Response (IVR) and FNB ATMs

Mobile channels Cellphone banking and the FNB App

Terms, conditions and earn

eBucks
rules
earn
apply.
limits
Certain
apply.benefits
Certain benefits
are dependent
are dependent
on your account
on your account
and eBucks
andrewards
eBucks rewards
level level.
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
44
1
 Contact us
For all your service related queries chat to us 24/7
via FNB App and SecureChat®.

For more contact

087 577 7000

Help Changes Everything

First National Bank supports the Ombudsman for banking services.

0860 800 900 |

Terms, conditions and eBucks earn limits 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).
45

JAW 5939 Premier Consumer D13.0 • July 13, 2025 9:43 am