Grow your

financial
interest in
SA, from
anywhere in
the world

FNB Non-Resident
Annual Pricing Guide
1 July 2024 to 30 June 2025

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
Contents FNB Non-Resident
Annual Pricing Guide

QUICK LINKS

Transact Lend

Invest Fees

Across 169 countries,

we help customers from
across the world to grow
their financial interests in SA

SUGGESTED LINKS

Non-Resident account

Invest

Lend

Forex

Global Account

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
2
Transact Invest Lend Fees

Get the best value

Bank in Dedicated
South Africa Non-Resident
with the Non-Resident current
account. The bank account Centre
allows you to safely manage with a team of specialists
your money from across available to assist you with
the world using FNB’s digital your banking needs
banking platform

From
Manage your
R175 p.m. finances with
ease on the
for the Unlimited pricing option

FNB App and

online banking
FNB Our secure platforms provide the

Non-Resident convenience to transact whenever

you need, 24/7

Debit Card
for use in South Africa

Unlimited
Save on fees electronic
when you send swipes
at no charge*
and receive
money
worldwide via online banking
and the FNB App

* Only applicable to card swipes in South Africa.

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
3
Transact Invest Lend Fees

Transact
QUICK LINKS

5 FNB Non-Resident Account Unique current

account for
6 FNB App Non-Residents
7 Foreign Exchange Access to the
8 Global Account FNB banking App

Send and
receive
money locally
or abroad
Receive deposits
of your property rental
income, local dividends
and /or periodic
investment pay-outs

IMPORTANT INFORMATION

Contact us
+27 11 352 5025

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
4
Transact Invest Lend Fees

FNB Non-Resident Account

Choose a pricing option that complements your banking behaviour

R175 p.m.
Unlimited
This pricing option offers the benefit of a fixed monthly account
fee. This way, you always have a sense of what your costs are
and feel in control of what you’re paying every month.

R105 p.m.
Pay-As-You-Use
This pricing option offers you the benefit of a reduced
monthly fee, on this pricing option you are charged for each
transaction at the applicable fee.

Unlimited PAYU

Monthly account fees R175 R105

Unlimited card swipes (local) No charge No charge

Scheduled payments No charge R8.50

External debit orders No charge R19

Mobile and eChannel payments No charge R8.50

No charge on cash withdrawals

up to R3 000 per billing cycle
R2.60 per R100 at FNB ATM
Cash@Till® and FNB ATM cash withdrawals This includes cash withdrawals made
using FNB ATMs and Cash@till

Thereafter PAYU rates apply R1.50 at Cash@TillTM

Cash withdrawal at teller R80 + R3.20 per R100 R80 + R3.20 per R100

No charge on cash deposits up to

FNB ADT cash deposits R3 000 per billing cycle thereafter R1.60 per R100
PAYU rates apply

Cash deposit at teller R80 + R3.20 per R100 R80 + R3.20 per R100

For more information, contact the Non-Res centre +2711 352 5025 (and select option 3).

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
5
Transact Invest Lend Fees

FNB App
When you need assistance, the online banking and FNB Banking App gives you control of your finances.
Our safe and secure platforms offers you the convenience to transact on your bank account as and when
you require, all at your ease 24 hours, 7 days a week.

Here is a list of functions that you can perform on the digital banking platforms

• View your account balances

• Download statements to keep track of your monthly transactions*
• Make secure payments to beneficiaries within South Africa
• Transfer funds between your accounts
• Set up scheduled payments to go off your account automatically on a specific future date
• ‘Pay and clear now’ allows for the immediate payment to a third-party within South Africa
• Select the ‘Once-off payments’ option to make a payment to a person or business who you are
unlikely to pay again
• Set up debit orders to effortlessly manage regular payments to third party beneficiaries
within South Africa
• Send and receive international payments
• View competitive exchanges rates
• Order your foreign notes and Multi-currency Cash Passport via the FNB App or Online Banking
and it will be delivered to you at no cost

* Additional statements requested will be charged, see prices on page 19

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
6
Transact Invest Lend Fees

Foreign Exchange
As SA’s best foreign exchange provider*, we offer a range of solutions to suit all your needs, whether you’re
sending or receiving money across borders, travelling, saving in currency or investing offshore.

For the full Foreign Exchange pricing details refer to the Foreign Exchange Pricing Guide on the FNB website.

Payments and receipts Travel Smart

Send and receive money across You can order foreign notes or a
borders via the FNB App or Online Multi-currency Cash Passport™
Banking. via the FNB App or Online Banking
and we’ll deliver it to your door at
no cost**.
Global Accounts
FNB offers a Non-Resident Global
account to facilitate foreign MoneyGram®
currency transfers into SA. Simple and easy money transfers
Should you wish to save in a foreign for individuals. MoneyGram® is a
currency the Non-Resident Global worldwide money transfer service
account is for you. that lets you do cross-border
or person-to-person payments
conveniently and within minutes
via the FNB App, Cellphone Banking
8 Years
2017 - 2024 and FNB ATMs.
Global Finance Awards

Best Forex
Bank
South Africa

2024
Global Finance Awards

Best Forex
Bank
Africa

* Global Finance’s Best Foreign Exchange Provider South Africa 2017 - 2024 & Best Foreign Exchange Provider Africa 2024.
** 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.

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
7
Transact Invest Lend Fees

Global Account
Open a Non-Resident Global account and deposit foreign currency or save in nine different foreign
currencies. FNB offers you a Non-Resident Global account to facilitate foreign currency transfers into
SA or should you wish save in a foreign currency the Non-Resident Global account is for you.

Non-Resident global account All channels

Transfer from Global Account to rand account No fee

Transfer from Rand account to Global Account No fee

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
8
Transact Invest Lend Fees

Invest
QUICK LINKS

10 Savings and cash investments FNB remains the

largest
collector of
household
deposits in
South Africa,
holding more
deposits than
any other bank

As per
SARB February
report 2024

IMPORTANT INFORMATION

Contact us
+27 11 352 5025

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
9
Transact Invest Lend Fees

Savings and cash investments

Saving with instant access
Savings Account Money Maximiser

Minimum opening deposit R0 R100 000

Money in Add money anytime Yes Yes

Scheduled transfers Yes Yes

Transfers into FNB Account Yes Yes

Money out
Third party payments No Yes

Interest rate Tiered rate Yes No

Redirect your interest Yes Yes

Interest
Reinvest your interest Yes Yes

Capital and quoted returns

Yes Yes
guaranteed
Special features
Investment advice available Yes Yes

Interest will not be earned on balances less than minimum opening deposit amount. Subject to notice period, or earlier at a fee.

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
10
Transact Invest Lend Fees

Savings and cash investments

Monthly fees* FNB Savings Account Money Maximiser**

Monthly account fee No charge R65.00**

Deposits

FNB ATM and ADT - R1.60 per R100 (no minimum)

FNB Branch - R80 + R3.20 per R100

Receive money via digital channels No charge No charge

Electronic withdrawals

Electronic transfers
No charge No charge
FNB App, online banking or cellphone banking

Electronic payments
Not available R45
FNB App, online banking or cellphone banking

Transfers or Payments
Not available R80
FNB Branch or telephone (consultant assisted)

Pay & clear now Not available R60

Scheduled transfer related fees

Establishment or amendment fees (online banking) No charge

Establishment or amendment fees (FNB Branch) R20 R20

Electronic withdrawals

R2.60 per R100/R10 per R1 000

Cardless cash withdrawal (cellphone banking) -
up to R2 000

R2.60 per R100/R10 per R1 000

FNB ATM, FNB Mini ATM -
up to R2 000

Other banks’ ATMs - R12 + R2.60 per R100

FNB Branch - R80 + R3.20 per R100

Send money FNB Savings Account Money Maximiser

Send money to an eWallet - R2.00 + R2.60 per R100

Reversal of incorrect ‘send money to eWallet’ transaction

- R80
(telephone/branch)

Reversal of incorrect ‘send money to eWallet’ transaction

- R18.50
(cellphone banking)

Balance enquiries

FNB App, online banking, cellphone banking and ATMs No charge No charge

FNB Branch and telephone banking (consultant assisted),

R8.50 R8.50
other banks’ ATM, International point-of-sale

Emailing of statements
R52 per statement R52 per statement
(FNB Branch and telephone banking)

* A monthly exchange control admin fee of R13 is applicable to non-resident accounts. Accounts opened on the FNB App or in the FNB Aspire Encore, Premier Select,
Premier, Private Clients or Private Wealth bundles will not be charged a monthly fee.
** FNB Money Maximiser monthly fee is waived for signet clients, FNB Aspire Encore Current, or Premier Select Current, clients on independent retirees VP, if the account
was opened via the FNB app, or if the customer is on Premier, Private Client, FNB Private Wealth and RMB Private bank transactional accounts on a bundle pricing
option.Interest will not be earned on balances less than minimum opening deposit amount. Subject to notice period, or earlier at a fee.

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
11
Transact Invest Lend Fees

Savings and cash investments

Avoid uncertainty with a fixed deposit account

FNB Flexi Fixed Deposit FNB Fixed Deposit

An investment with a fixed term and the An investment account fixed for a period,
option of accessing a portion of your savings giving you a higher interest rate than
within 24 hours. investments available immediately or with
notice.

FNB Restart Fixed Deposit FNB Islamic Term Deposit*

A fixed deposit where you can reset your An investment with a fixed term, offering you
investment once during the term, at a higher a Shari’ah-compliant profit share over the
interest rate. period of your investment.

Early withdrawal or closure on fixed and notice products excl 32-day flexi notice
We may allow you to perform an early withdrawal or closure on your notice account(s). Such withdrawal or
closure will attract an early withdrawal fee calculated as follows.

Early withdrawal fee = base fee + amount to be early withdrawn x (2.25% + 0.61% x remaining term
in days/365)

Applicable base fees are as follows

Base fee Base fee

Early withdrawal amount
(face-to-face channels**) (electronic channels investment***)

<=R1 000 R100 R25

>R1 000 R300 R50

* FNB Islamic Savings Account offers you a Shari’ah compliant profit share over the period of your investment.
** Base fees for face-to-face channels apply to money accessed at a branch or through a call centre.
*** Base fees for electronic channels apply to money accessed through online banking, ATM, cellphone banking, telephone banking (IVR) or the FNB banking app.

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
12
Transact Invest Lend Fees

Savings and cash investments

Secure your long-term goals with a notice account

Product comparison 7 Day Notice 32 Day Flexi Notice

Minimum opening deposit R20 000 R5 000

Money in Add money anytime Yes Yes

Scheduled transfers Yes Yes

Early access at a cost - Yes

Money out Transfers into another FNB Account* Yes Yes

Third party payments* Yes Yes

Tiered rate Yes Yes

Interest rate
Redirect your interest Yes Yes

Reinvest your interest Yes Yes

Interest
Capital and quoted returns
Yes Yes
guaranteed

Multiple notices allowed Yes Yes

Special features
Investment advice available Yes Yes

Account fees 7 Day Notice 32 Day Flexi Notice Cash Intelligence Investment

Subscriptions for inContact,

FNB App, online banking and No charge No charge No charge
cellphone banking

Subscriptions for inContact,

FNB App, online banking and No charge No charge No charge
cellphone banking

Statements

Up-to 12 months
No charge No charge No charge
digital statements

Deposits

FNB ATM and ADT R1.60 per R100 No charge No charge

FNB Branch R80 + R3.20 per R100 R80 + R3.20 per R100 R80 + R3.20 per R100

Transfer money via

No charge No charge No charge
digital channels

* Interest will not be earned on balances less than minimum opening deposit amount. Subject to notice period, or earlier at a fee.

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
13
Transact Invest Lend Fees

Savings and cash investments

Flexi Fixed Fixed Deposit Restart fixed Islamic Term

Money in Minimum opening deposit R5 000 R10 000 R10 000 R10 000

Access to a portion within

Yes - - -
24 hours

Transfers into FNB Account* Yes Yes Yes Yes

Money out
Early access at cost Yes Yes Yes Yes

Third party payments* Yes Yes Yes Yes

Fixed interest rates Yes Yes Yes -

Interest
Tiered rate Yes Yes - Yes
rate
Special rate if 55 years or older - Yes Yes Yes

Redirect your interest Yes Yes Yes -

Interest
Reinvest your interest Yes Yes Yes -

Capital and quoted returns

Yes Yes Yes -
guaranteed

Special Choose your own term Yes Yes - Yes

features
Investment advice available Yes Yes Yes Yes

Profit/loss share* - - - Yes

* On maturity date.

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
14
Transact Invest Lend Fees

Savings and cash investments

32 Day Flexi Notice early withdrawal or closure

We may allow you to perform an early withdrawal or closure on your FNB 32 Day Flexi Notice Account(s).
Such withdrawal or closure will attract an early withdrawal fee calculated as follow.
Early withdrawal fee = base fee + 2.25% x amount to be withdrawn early.

Applicable base fees are as follows.

Base fee Base fee

Early withdrawal amount
(face-to-face channels*) (electronic channels investment**)

<=R1 000 R100 R25

>R1 000 R300 R50

Early withdrawal or closure on other notice products

We may allow you to perform an early withdrawal or closure on your notice account(s).
Such withdrawal or closure will attract an early withdrawal fee calculated as follows.
Early withdrawal fee = base fee + amount to be early withdrawn x (2.25% + 0.61% x remaining term in
days/365).

Applicable base fees are as follows

Base fee Base fee

Early withdrawal amount
(face-to-face channels*) (electronic channels investment**)

<=R1 000 R100 R25

>R1 000 R300 R50

* Base fees for face-to-face channels apply to money accessed at a branch or through a call centre.
** Base fees for electronic channels apply to money accessed through online banking, ATM, cellphone banking, telephone banking (IVR) or the FNB Banking App.

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
15
Transact Invest Lend Fees

Lend
QUICK LINKS

17 Home and Structured Lending

We offer
finance
solutions
and tools
to guide you
through the
entire home
loan process

IMPORTANT INFORMATION

Contact us
+27 11 352 5025

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
16
Transact Invest Lend Fees

Home and Structured Lending

Simply choose from our flexible financing solutions, to suit your needs, taking into
account your individual requirements and desired funding amount to help you reach
your goals. We specialise in providing finance for your residential, holiday home,
investment property or rental portfolio through our tailor-made lending
and structuring solutions such as the FNB Home Loan.

We are also proud to offer you FNB Islamic Residential Property Finance with similar
value adds, rewards, benefits and pricing.

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

According to the currency and exchanges manual, Authorised Dealers may grant or authorise local financial assistance facilities
to non-residents in respect of bona fide foreign direct investment in South Africa without restrictions, except where the funds
are required for financial transactions and/or the acquisition of residential or commercial property in South Africa,
the 1:1 ratio will apply.

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
17
Transact Invest Lend Fees

Fees
QUICK LINKS

19 General fees

Download
statements
from the
FNB App
Set up
debit orders
to manage your
commitments
in SA

IMPORTANT INFORMATION

Contact us
+27 11 352 5025

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
18
Transact Invest Lend Fees

General fees
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. Pay-As-You-Use (PAYU)
pricing option. These fees are applicable to The Unlimited pricing option.

No charge on transactions
Card purchases No charge

Connect prepaid airtime and data purchases using FNB App, Online Banking and Cellphone
No charge
Banking (local numbers only)

Subscription to inContact, online banking, cellphone banking and the FNB App No charge

Standard delivery of your FNB Non-Resident card (local delivery) No charge

Please note that any transactions not included or in excess of the limits above will be charged as per the tables below.

Payments
Cellphone banking, the FNB App, IVR, FNB ATM
R8.50
and online banking

FNB Branch R80

Non-Resident centre R80

Cancel debit order (stop payment)

Digital channels No charge

Branch R80

Non-Resident centre R80

Scheduled payment (establishment and amendment)

Online No charge

Branch (consultant assisted) R20

Non-Resident centre R20

Transfers
Online No charge

FNB Branch R80

Non-Resident centre R80

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
19
Transact Invest Lend Fees

General fees

Prepaid purchases
FNB Connect prepaid airtime purchase using eChannels and mobile
channels no charge

Prepaid airtime purchase using other banks’ ATMs R15*

Other prepaid airtime and data purchases using FNB App, Online Banking and
R1.50
Cellphone Banking

spend<R75 R0.50

Prepaid electricity spend R75>and<R150 R150

spend>R150 R3

Balance Enquiries

Using mobile and eChannels No charge

Point-of-sale R2

Other banks’ ATMs, international point-of-sale, branch or telephone banking

R8.50
(consultant assisted)

Additional statements (fee per month) Paper Online

Daily R140 R68

Weekly R62 R31.50

Twice-monthly R32 R18

* Prepaid airtime only permitted if non-resident clients have a South African registered sim card.

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
20
Transact Invest Lend Fees

General fees

Convenience and value-added services

Lotto™/PowerBall* R2.70

DStv payments R7

Real Time Payments <=R100 No charge

(Payshap and FNB Instant Payment) - FNB to ther Banks >R100 R0.65 per R100

Real Time Payments For PAYU = refer to electronic payment fee

(Payshap and FNB Instant Payment) - FNB to FNB For Unlimited = no charge

Cash swop fee No charge

Pay & Clear Now R30

Honoured value <R45 charged at honoured value

Payment honouring fee**
Honoured value >=R45 charged per R100 (max R200)

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

Electronic subscriptions services (fee per month)

My limit alert R4

Scheduled payment alert R4

Monthly R1.35

Balance Alerts Weekly R3.70

Daily R18

Other fees
Online banking password reset telephone banking (consultant assisted) R80

Emailing of statements R52

Debit order disputes branch (consultant assisted) R48

Debit order disputes digital channels (online and app) R5

Online banking payment history (older than 3 months) R7

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

Account confirmation letter (FNB Branch/Non-Resident centre) R30

Account confirmation Letter (online banking/FNB App) No charge

Visa letter (online banking/FNB App) No charge

Visa letter (FNB Branch/Non-Resident centre) R30

Non-FNB ATM cash withdrawal R12 + R2.60 per R100

Replacement card R160

Replacement card delivery fee (International) R800

AgencyPlus cash withdrawal R5 per R1000

AgencyPlus cash deposit R5 per R1000

Verified statement digital banking No charge

Verified statement FNB ATM R4.25

Unpaid Item*** 8 at no charge thereafter R105

* Applicable to qualifying customers

** Customer transaction honoured for a value of R10. Fee charged R10. Customer transaction honoured for a value of R50. Fee charged R45
*** Applicable over a rolling 12 months period on EFT Debit Order and Debi Check Unpaids.

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
21
Transact Invest Lend Fees

Important information
QUICK LINKS

23 The small print

23 Standard terminology

Contact us
+27 11 352 5025

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
22
Transact Invest Lend 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

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 2024 to 30 June 2025

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 product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
23
 Contact us
For all your service related queries chat to us 24/7
via FNB App and SecureChat®.

For more contact

011 352 5025

Help changes everything

Terms, conditions and product rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
24

JAW 5694 Non-Resident D9.0 • June 4, 2024 11:21 am