Let us help you

get there when

there is more
month than money
Get the help you need

FNB Easy PAYU

FNB Easy Smart
Annual Pricing Guide
1 July 2023 to 30 June 2024

Terms, conditions and earn rules apply.

A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). Reg. No. 1929/001225/06.
FNB Easy PAYU
Get the best value with rewards
2023-2024
that help you
Get the best value

FNB Easy PAYU stretch your rand when the month feels
FNB Easy Smart
longer than your money.

Transact

Bank

Invest

Save and Invest R5.25p.m.1 FNB Islamic Easy Account

Tax Free Shares with similar value-adds, reward

FNB Easy PAYU Account
benefits and pricing as an
Lend
FNB Easy Account.
Insure
FNB’s Islamic offering also offers
Lifestyle a linked Islamic savings account
where you can earn a monthly
eBucks
competitive profit share. For more
Connect information, contact the Islamic
banking suite on 087 578 6786.
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R65p.m.
Fees
FNB Easy Smart Account
Important information

Contact us

2 1
No monthly account fees on easy digital options or easy account with zero monthly account fee
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
 Virtual Card
Access to an FNB Virtual Card

FNB Easy PAYU

FNB Easy PAYU with Purchase Protect.

2023-2024 Get the help you need with FNB Easy PAYU, Send Money
named most affordable bank account in SA* Get 1 eWallet send per month
Get the best value at no extra cost to you.

FNB Easy PAYU

Buy
FNB Easy Smart Earn eBucks Rewards
Prepaid airtime and data
Earn monthly grocery
Transact vouchers
purchases on the FNB
App, Cellphone Banking
Bank and Online Banking at
no extra cost to you.
Invest

Save and Invest

FNB Connect Get Cash
Tax Free Shares Get data, voice minutes, and SMSs Withdraw cash at selected
on your FNB SIM card when you retailers using Cash@Till®
Lend
qualify for eBucks Rewards. at no extra cost to you.
Insure FNB Easy PAYU
Lifestyle R5.25p.m.1
eBucks

Connect
Swipe
nav» Money Save
Unlimited card swipes
at no extra cost to you.
Fees Start saving from as little
as R1 every time you swipe
Important information your FNB Easy card with
Bank Your Change®.
Contact us Lifestyle
Access to education, security, travel and
Get Cash
entertainment with Udemy, ExtraMarks,
GuardMe, QuickBus,The Entertainer App Get a 50% discount
and eBucks games on the FNB App. on cardless FNB ATM
withdrawal fees.
* 2023 Solidarity Bank Charges Report.
3 1
No monthly account fees on easy digital options or easy account with zero monthly account fee
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
 Virtual Card
Access to an FNB Virtual Card

FNB Easy PAYU

FNB Easy Smart with Purchase Protect.
Bank
Unlimited access to online transactions,
2023-2024 Get the help you need with unlimited debit orders, including electronic payments (EFTs), internal
EFTs, and prepaid purchases at no extra cost to you. and external debit orders, as well as prepaid
Get the best value airtime and data purchases.

FNB Easy PAYU

FNB Easy Smart eBucks Rewards

Earn monthly eBucks Send Money
Transact rewards. Get 2 eWallet sends
Bank per month at no
extra cost to you.
Invest

Save and Invest

Get and send cash
Tax Free Shares Withdraw or deposit cash up
FNB Connect
to R2 000 per month at an
Lend Get data, voice minutes, and SMSs FNB ATM at no extra cost to you.
Insure
on your FNB SIM card when you
qualify for eBucks Rewards.
FNB Easy Smart
Lifestyle R65p.m.
eBucks

Connect Added Value

Save 24/7 medical advice, legal
nav» Money
Start saving from as little and financial coaching at
Fees as R1 every time you swipe at no extra cost to you.
your FNB Easy card with
Important information Bank Your Change®.

Contact us Lifestyle
Access to education, security, travel and
Get Cash
entertainment with Udemy, ExtraMarks,
GuardMe, QuickBus,The Entertainer App Get a 50% discount on cardless
and eBucks games on the FNB App. FNB ATM withdrawal fees once
R2 000 cap is exceeded.

4 * 2023 Solidarity Bank Charges Report

Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
FNB Easy PAYU
2023-2024

Get the best value

FNB Easy PAYU

FNB Easy Smart

Transact

Bank

Invest
Transact
Save and Invest

Tax Free Shares

Lend

Insure

Lifestyle

eBucks

Connect

nav» Money

Fees

Important information

Contact us

5
Terms,
Terms, Conditions and Earn Rules apply.
Terms,
Certainconditions
Conditions
benefitsand andRules
earn
are dependent
Earn onrules
apply.
your apply.
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account
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A division of FirstRand Bank Limited. AnAAuthorised
division of Financial
FirstRandServices
Bank Limited. An Authorised
and Credit Financial Services and Credit Provider (NCRCP20).
Provider (NCRCP20).
FNB Easy PAYU
Bank
2023-2024

Get the best value

FNB Easy PAYU

Receive money Bank safely
FNB Easy Smart • Receive payments from other banks • Download the FNB App
Transact • Transfer money received from your • Cellphone banking - Dial *120*321#
linked eWallet into your account at no • Visit FNB.mobi. on your phone browser
Bank extra cost to you
• Make use of our dedicated Easy Service
Invest • Deposit cash at selected retailers using Suite to cater to your everyday banking
Deposit@TillTM or at any FNB ATM needs on 087 575 3279
Save and Invest with deposit facilities

Tax Free Shares

Send money Forex/MoneyGram
Lend
• eWallet allows you to send money • Do you send money home to your loved
Insure from your account to anyone with a valid ones? Use MoneyGram™ on the FNB App.
South African cellphone number • With MoneyGram™ you can send money to
Lifestyle • Send money by simply using the FNB App anyone anywhere in the world from your
eBucks or by dialing *120*321# FNB App.

Connect
Make payments Buy
nav» Money
• You can make payments to • Top Up on data, airtime, electricity and
Fees any South African bank account entertainment/software vouchers to keep
• You can pay for items such as your DSTV your devices powered up
Important information
and clothing accounts • Conveniently buy LOTTO tickets on the
Contact us FNB App
• Use your eBucks for selected prepaid and
voucher purchases

6
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
FNB Easy PAYU
2023-2024

Get the best value

FNB Easy PAYU

FNB Easy Smart

Transact

Bank

Invest
Invest
Save and Invest

Tax Free Shares

Lend

Insure

Lifestyle

eBucks

Connect

nav» Money

Fees

Important information

Contact us

7
Terms,
Terms, Conditions and Earn Rules apply.
Terms,
Certainconditions
Conditions
benefitsand andRules
earn
are dependent
Earn onrules
apply.
your apply.
Certain
account
benefits
and eBucks
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A division of FirstRand Bank Limited. AnAAuthorised
division of Financial
FirstRandServices
Bank Limited. An Authorised
and Credit Financial Services and Credit Provider (NCRCP20).
Provider (NCRCP20).
FNB Easy PAYU
Save and invest
2023-2024
To meet your financial goals, choose from a selection of saving and cash investment
Get the best value solutions with options ranging from a fixed investment period to immediate access to
funds, or access with notice.
FNB Easy PAYU

FNB Easy Smart

Transact
Savings account 32-day Flexi Notice Account
Bank
• Save from any amount • Minimum opening deposit of R5 000
Invest
• You get instant access to your savings in • Access your money after 32 days’ notice
Save and Invest case of unforeseen expenses

Tax Free Shares

Lend

Insure
FNB Money Maximiser Savings and Cash Investments
Lifestyle
• Minimum opening deposit of R100 000 • It’s easy to save with a scheduled transfer
eBucks
• Get immediate access to your money • Save through our new digital stokvel account
Connect • Let us help you spend less than you earn
with nav»Money
nav» Money

Fees

Important information Bank your Change®

Contact us • into a linked savings account with
competitive interest rates

8
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
FNB Easy
FNB
WealthPAYU
Wealth
Tax free savings
Tax-Free Shares
and
and Investment
Investment
2023-2024 With your Tax-free
the FNB shares
Tax-Free account
Shares you are
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top 100
2023-2024
2023-2024
companies on the JSE, offering you an instantly diversified portfolio. Enjoy all the benefits of investing while paying no tax on capital gains, dividends
Get the best value
and interest earned.
FNB Easy PAYU
Invest
FNB Easy Smart
Invest in qualifying funds General fees
Transact
and solutions
Bank General fees
Monthly account fee No fee
Share Investing
Invest Monthly account fee First
No feetrading day of month /
Stockbroking and Trade option
Portfolio Delayed trades (Today at 15:00)
Save and management
Invest
First trading day of month /
Trade option
Investor First trading
Delayed day(Today at 15:00)
trades 0.12% excl VAT
Tax Free Platform
Shares
Brokerage fees
Wills, Estate administration,
Lend Delayed trades
First trading day 0.12% excl VAT
0.6% (min of R50) excl VAT
Trusts and Estate Planning (Today at 15:00)
Brokerage fees
Insure Delayed trades
0.60% (min of R50) excl VAT
Important
Important information
information (Today at 15:00)
Lifestyle
Tax-Free Cash Deposit
Contact
Contact
eBucksusus
The Tax-Free Cash Deposit guarantees your capital and quoted returns and gives you access to your money in 32 days. With a
Connect minimum opening deposit of R300*, you can deposit money anytime and or schedule a monthly transfers to grow your savings.
nav» Money

Fees Share Investing

Important information

Contact us

* Limits apply to the amount you can contribute to your Tax-Free savings products in a given tax year and over your lifetime. You are allowed to contribute
a maximum of R36 000.00 (Thirty-Six Thousand Rand) each tax year into your Tax-Free Savings Account(s) and R500 000.00 (Five Hundred Thousand
Rand) over your lifetime. You are responsible for monitoring and ensuring that you do not exceed the annual or lifetime limits imposed by section 12T
of the Income Tax Act, 1962 across all your Tax-Free Savings product choices. Please ensure that you familiarise yourself with all legal requirements
pertaining to a Tax-Free Savings Account as penalties will apply to any contribution in excess of the limits.
8
9 Please note: For the purpose of calculating fees all “sell” instructions will be considered a delayed trade – even if placed on the first trading day of the month.
Terms, Conditions
Terms and andapply.
Conditions Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
FNB Easy PAYU
2023-2024

Get the best value

FNB Easy PAYU

FNB Easy Smart

Transact

Bank

Invest
Lend
Save and Invest

Tax Free Shares

Lend

Insure

Lifestyle

eBucks

Connect

nav» Money

Fees

Important information

Contact us

10
Terms,
Terms, Conditions and Earn Rules apply.
Terms,
Certainconditions
Conditions
benefitsand andRules
earn
are dependent
Earn onrules
apply.
your apply.
Certain
account
benefits
and eBucks
are dependent
rewards level
on your account and eBucks rewards level
A division of FirstRand Bank Limited. AnAAuthorised
division of Financial
FirstRandServices
Bank Limited. An Authorised
and Credit Financial Services and Credit Provider (NCRCP20).
Provider (NCRCP20).
FNB Easy PAYU
Lend
2023-2024

Get the best value Borrow

FNB Easy PAYU • Get an interest-free FNB Temporary Loan and pay one initiation fee for those unplanned
expenses
FNB Easy Smart
• Credit Switch: Consolidate your credit into one convenient personal loan
Transact
• Apply for an FNB Personal Loan of up to R300 000 in minutes at a personalised interest rate*
Bank • Re-use the credit you have paid back and choose flexible repayment options with an FNB
Revolving Facility*
Invest

Save and Invest

Tax Free Shares

Home loan
Lend
• We offer finance solutions and tools to guide you through the entire home loan process
Insure with nav» Home on the FNB App
• Create or buy the home you’ve always wanted with our pension backed lending solution
Lifestyle
• We can also help you buy a home and pay less with the government subsidy, we will guide
eBucks you through the entire process
Connect • You can also use additional funds available in your loan account to fund solar energy solutions

nav» Money • For more information and pricing refer to the FNB home loans pricing guide on fnb.co.za.
Click on rates & pricing, then select pricing guide overview, then borrow and then choose
Fees FNB Home Loans pricing guide

Important information

Contact us

11 * Credit is subject to qualifying criteria

Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
FNB Easy PAYU
2023-2024

Get the best value

FNB Easy PAYU

FNB Easy Smart

Transact

Bank

Invest
Insure
Save and Invest

Tax Free Shares

Lend

Insure

Lifestyle

eBucks

Connect

nav» Money

Fees

Important information

Contact us

12
Terms,
Terms, Conditions and Earn Rules apply.
Terms,
Certainconditions
Conditions
benefitsand andRules
earn
are dependent
Earn onrules
apply.
your apply.
Certain
account
benefits
and eBucks
are dependent
rewards level
on your account and eBucks rewards level
A division of FirstRand Bank Limited. AnAAuthorised
division of Financial
FirstRandServices
Bank Limited. An Authorised
and Credit Financial Services and Credit Provider (NCRCP20).
Provider (NCRCP20).
 Let FNB help you prepare for life’s uncertainties with FNB Insure, If it’s precious to you, we’ll insure it, both inside and
FNB
FNB
Easy
Private
PAYUWealth
2023-2024
2023-2024
and get rewarded for it. outside your home, plus you can earn up to 15% of your
FNB Life Simplified premium back in eBucks ,whether you claim or not.
Get the best value Get up to R1 million life cover. Plus an additional
Product overview R30 000 funeral benefit and a spend protect benefit
FNB Easy PAYU FNB Gap Cover* to help with immediate expenses - paid out within
Get the best value Cover your medical
24 hours.
Car insurance
FNB Easy rewards
eBucks Smart expenses when medical Get cover tailored to your needs to help you get back on the
aid is not enough, road easily.
Transact
Our solutions from R240 per
Product comparison month.
Bank
No charge transactions
Invest FNB Critical Home Contents
Illness Comprehensive cover for your possessions in your home against
Credit card
Save and Invest This cover pays out a lump theft, loss or damage.
Global Account
sum so you can focus on
Tax Free Shares
Channel Islands Protect getting well without any
FNB
Lend
Bank charges Health what matters financial worry.
Portable Possessions
Customise your cover for items you take out of your home so that
Foreign exchange
Insure Cash Plan* most to you you always have peace of mind.
Lending Pays up to R3000
Lifestyle daily to cover your
Invest
eBucks expenses when FNB Retrenchment Building insurance
Retirement solution you’re in hospital. Cover Protects your home with cover that is more than just a payout.
Connect From R50 per Keep your standard of living and
Private business accounts month. It not only covers the costs of repairing or replacing the
provide for your family. Pay for
nav» Money
Business banking charges physical building and permanent fixtures of your home but
your monthly expenses while
provides additional benefits to help you deal with the impact
Cash bundle
Fees FNB Funeral Plan searching for new opportunities.
of damage or loss.
Get cover from R2 000 for
Non-trading
Important account
information yourself and your family
Important information members starting from FNB Permanent Disability
Contact us Pays a cash lump sum enabling you to continue
Contact us R50 per month.
to protect the lifestyle you’ve created for
yourself and loved ones. Purchase Protect
a value-added benefit for items purchased with your FNB Fusion®, Debit
and Credit Virtual Card and covers tangible items against theft/damage
for up to R15 000.
* This is not a medical scheme. Cover is not the same as that of a medical scheme nor is it a substitute for medical scheme membership.
Terms, Conditions and Earn Rules apply. eBucks is embedded and earn depends on a qualifying criteria Certain benefits are
1
13 dependent on your account and eBucks rewards level
Visit
Terms,our website for
Conditions andmore
Earninformation
Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
Insured by FirstRand Life Assurance Limited, a Licensed Life Insurer. Insured by FirstRand Short-term Insurance Limited. A licensed insurer.
FNB Easy PAYU
2023-2024

Get the best value

FNB Easy PAYU

FNB Easy Smart

Transact

Bank

Invest
Lifestyle
Save and Invest

Tax Free Shares

Lend

Insure

Lifestyle

eBucks

Connect

nav» Money

Fees

Important information

Contact us

14
Terms,
Terms, Conditions and Earn Rules apply.
Terms,
Certainconditions
Conditions
benefitsand andRules
earn
are dependent
Earn onrules
apply.
your apply.
Certain
account
benefits
and eBucks
are dependent
rewards level
on your account and eBucks rewards level
A division of FirstRand Bank Limited. AnAAuthorised
division of Financial
FirstRandServices
Bank Limited. An Authorised
and Credit Financial Services and Credit Provider (NCRCP20).
Provider (NCRCP20).
 FNB Easy PAYU
No monthly
subscription
FNB Easy PAYU or joining fee
2023-2024 Bank with FNB
Get selected grocery
items like bread, tinned
Get the best value food & veggies
For 23 years, we’ve provided
FNB Easy PAYU
with a voucher
customers with eBucks Rewards,
that can be used on the
from FNB
FNB Easy Smart
FNB App or with our partners
Transact online or in-store.
Bank

Invest

Save and Invest

Track my eBucks rewards
on the FNB App
Tax Free Shares Qualification 1 2 3
Lend is Easy Access your benefits and learn how to earn more
eBucks all on the FNB App.
Insure Your account needs Log into the FNB App, Minimum deposit
to be active and in Cellphone Banking, Online of R2 000, and Follow these steps to track your rewards:
Lifestyle Available on good standing Banking or withdraw R1000 if you are FNB App > eBucks > Earn > Track my eBucks

eBucks FNB Easy Smart using Cash@Till® over the age of 60

Connect

nav» Money Education Entertainment

Swipe your Travel
Fees
FNB Easy card
Important information and earn Swipe your card to earn Enjoy more
a grocery voucher
Contact us benefits

15
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
 FNB Connect
helps you stay connected with
FNB Easy PAYU
5 reasons to love FNB Connect up to 600MB FREE data,
35 voice minutes, and
2023-2024 35 SMSs every month on

Get the best value

1 your FNB Connect SIM Card
when you qualify for An Activation Reward
eBucks Rewards. New* to FNB Connect customers get
FNB Easy PAYU No long-term a FREE once-off data, voice minutes
contracts and SMS allocation loaded within 5
FNB Easy Smart a wide range of
month-to-month
2 working days of activating your FNB
Connect SIM Card
Transact SIM Card only plans,
available on Top Up or Qualifying Criteria
Bank Post Paid Manage & order
Invest
your own SIM Card FNB Connect 1 Have a network active
without any hassle Rewards FNB Connect SIM Card
Save and Invest
3 Port your number,
activate your FNB Existing FNB 2
Ensure all FirstRand Bank
Tax Free Shares Connect SIM Card and accounts are active and
more on the FNB App Banking Customers
As an FNB An Extra in good standing
Lend customer you
automatically qualify for Data Reward
Insure complimentary data, FREE extra data when you

Lifestyle voice minutes

and SMSs every
4 spend on your FNB Connect
SIM Card during the month

eBucks month Extensive Qualifying Criteria

nationwide
Connect coverage
Spend a minimum amount on your
around 1
nav» Money 5 South Africa
FNB Connect SIM during the month

Fees Qualify for eBucks at the time

2
Get the you spend A Monthly Reward
Important information latest device FREE monthly data, voice minutes and SMSs
bundled with an FNB
Contact us on your FNB Connect SIM Card every month
Connect SIM plan, all Extra benefit for New FNB Banking Customers*
on the FNB App
For the first 2 months of your FNB Transactional Bank Have a network active
1
Account being opened all you need to do is FNB Connect SIM Card

Have a network active FNB Connect SIM Qualify for eBucks in order to get your
2 FNB Connect Reward every month
* A new to Connect customer is defined as a customer who activated their SIM Card on or after 1 Aug 2023. 1 Card and ensure all FirstRand Bank accounts
* Seniors receive EXTRA extra data every month.
* Customers that do not qualify for eBucks will get extra data each month.
are active and in good standing
16 * New FNB Banking Customer you wil need to meet the exisitng customer qualifying criteria from month 3.
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
 Easy PAYU
FNB Private Wealth
nav» Money
2023-2024
1. My net worth 5. Smart budget
Get the best value
Product overview Get a snapshot of what you Tracking your regular expenses can help you
FNB Easy
Get the PAYU
best value
own minus what you owe spend less than you earn. Use smart budget
to set alerts for your spending limits and get
Our solutions
FNB Easy Smart notified when you reach them
nav» Money
Product comparison
Transact
Transact
Bank
Credit card My credit status
How well are you managing your credit?
Foreign exchange
Invest 2. Track spend 6. Money Coach
Global Account Needs work You’ve got this
Save and Invest View your auto-categorised A smart money guide to help you
Private Business Accounts spend to better understand improve your financial fitness.
Tax Free Shares
Channel Islands your spending habits and
View more
Complete the missions, earn badges
Cash bundle change any potentially and grow your financial knowledge
Lend negative ones
Non-Trading Account
Insure
Invest NEW NEW

Retirement solution
Lifestyle My net Track Smart Money

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

17
1
Terms, Conditions and Earn Rules 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).
FNB Easy PAYU
2023-2024

Get the best value

FNB Easy PAYU

FNB Easy Smart

Transact

Bank

Invest
Fees
Save and Invest

Tax Free Shares

Lend

Insure

Lifestyle

eBucks

Connect

nav» Money

Fees

Important information

Contact us

18
Terms,
Terms, Conditions and Earn Rules apply.
Terms,
Certainconditions
Conditions
benefitsand andRules
earn
are dependent
Earn onrules
apply.
your apply.
Certain
account
benefits
and eBucks
are dependent
rewards level
on your account and eBucks rewards level
A division of FirstRand Bank Limited. AnAAuthorised
division of Financial
FirstRandServices
Bank Limited. An Authorised
and Credit Financial Services and Credit Provider (NCRCP20).
Provider (NCRCP20).
 General fees
FNB Easy PAYU
General fees
FNB Easy PAYU
2023-2024

Get the best value

FNB Easy PAYU

Transaction Other Banks’ ATMs Assisted Banking:
FNB Easy Smart Cash@Till TM FNB ATM + FNB ATM with Deposits
Type (incl. International) FNB Branch (incl. International)
Transact

Bank Cash Withdrawals

No charge R8.50 per R1000 up to R2000 thereafter R12 + R2.40 per R100* R80 + R3 per R100
(Local)
Invest Cardless ATM Withdrawal: R1.20 per R100
Cardless Cash ATM Withdrawals (Card present): R2.40 per R100
- - -
Save and Invest Withdrawals

Tax Free Shares R80 R80 + R3 per R100

Cash Withdrawals
- - (additional 2% commission (additional 2% commission
(International)
Lend and conversion fees apply) and conversion fees apply)

Insure
Transaction Other Banks’ ATMs Assisted Banking:
Lifestyle Deposit@Till TM1 FNB ATM with Deposits
Type (incl. International) FNB Branch (incl. International)
eBucks

Connect Cash Deposits R19.95 R1.40 per R100 - R80 + R3 per R100
nav» Money

Fees

Important information

Contact us

1
Pricing is determined by merchant and is subject to change. Available at selected merchants, Checkers, Shoprite, Usave, PnP stores and Boxer Stores
19 * If you withdraw cash at another banks’ ATM on the 1st, 3rd, 25th or 31st of the month, the R12 portion of the fee will be rebated
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
 General fees
FNB Easy PAYU
General fees
FNB Easy Smart
2023-2024

Get the best value

FNB Easy PAYU

Transaction Other Banks’ ATMs Assisted Banking:
FNB Easy Smart Cash@TillTM FNB ATM + FNB ATM with Deposits
Type (incl. International) FNB Branch (incl. International)
Transact

Bank Cash Withdrawals No charge for up to R2000p.m, thereafter: R12 + R2.40 per R100* R80 + R3 per R100
(Local) Cash@TillTM: No charge
Invest
Cardless Cash Cardless cash withdrawals: R1.20 per R100
FNB ATM withdrawals (with card): R2.40 per R100 - -
Save and Invest Withdrawals

Tax Free Shares R80 R80 + R3 per R100

Cash Withdrawals
- - (additional 2% commission (additional 2% commission and
(International)
Lend and conversion fees apply) conversion fees apply)

Insure
Transaction Other Banks’ ATMs Assisted Banking:
Lifestyle Deposit@TillTM 1 FNB ATM with Deposits
Type (incl. International) FNB Branch (incl. International)
eBucks

Connect No charge up to R2000 p.m. thereafter

Cash Deposits R19.95 - R80 + R3 per R100
R1.40 per R100
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Fees

Important information

Contact us

1
Pricing is determined by merchant and is subject to change. Available at selected merchants, Checkers, Shoprite, Usave, PnP stores and Boxer Stores
20 * If you withdraw cash at another banks’ ATM on the 1st, 3rd, 25th or 31st of the month, the R12 portion of the fee will be rebated
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
FNB Easy PAYU
General fees
2023-2024 FNB Easy PAYU & FNB Easy Smart
Get the best value

FNB Easy PAYU

FNB Easy Smart Digital Banking: Assisted Banking: FNB ATM +

Transaction Type (FNB App, Online, USSD, Email) FNB Branch, Telephone Banking FNB ATM with Deposits
Transact

Bank
Statements
Printing and Emailing:
Invest • Current month statements No charge Printing: R4 per page
R50 per statement
• Historical statements
Save and Invest
Statements
No charge - -
Tax Free Shares • Historical statements

Lend Daily: R68 Daily: R137

Additional statements (fee per month) Weekly: R31.50 Weekly: R59 -
Insure Twice-Monthly: R18 Twice-Monthly: R31

Lifestyle Transactional List - - R4

eBucks Posted statements - R26 per statement

Connect
Interim/provisional statements No charge R25 per page (max R50)
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Fees Digital Banking: Other Banks’ ATMs Assisted Banking:

FNB ATM + FNB ATM Cash@TillTM
Transaction Type (FNB App, Online Banking, with Deposits Deposit@TillTM (incl. International) FNB Branch Telephone Banking
Important information Cellphone Banking, Email)

Contact us
Balance Enquiry No charge No charge R1.90 R8 R8

21
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
FNB Easy PAYU
General fees
2023-2024
FNB Easy PAYU & FNB Easy Smart

Get the best value

Prepaid purchases
FNB Easy PAYU

FNB Easy Smart Prepaid Airtime Purchases (App, Online) No charge

Transact
Prepaid Purchases - Other Banks ATMS R15
Bank

Invest Connect All Channels No charge

Save and Invest

Buy Lotto and Powerball R2.70
Tax Free Shares
<=R75: R0.50
Lend
Prepaid Electricity >R150 &<= R150: R1.50
Insure >R150:R3.00

Lifestyle DStv Payments (Applicable to the Buy tab on the FNB App) R7

eBucks Daily Lotto R1

Connect
Traffic fine* R2.70
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Fees

Important information

Contact us

22 Applicable account payment fee dependent on pricing option*

Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
FNB Easy PAYU
General fees (continued)

2023-2024

Get the best value

FNB Easy PAYU – R5.25 p.m. FNB Easy Smart – R65 p.m.
FNB Easy PAYU
Transfers and scheduled transfers via online banking
FNB Easy Smart No charge No charge
and FNB Banking App

Transact
Internal debit orders No charge No charge
Bank
FNB Connect airtime purchases via online banking or mobile channels No charge No charge
Invest

Save and Invest Scheduled payments via online banking and the FNB Banking App No charge No charge

Tax Free Shares

Payments via online banking or mobile channels R1 Unlimited at no charge
Lend
External debit orders R3.50 Unlimited at no charge
Insure

Lifestyle Prepaid Airtime Purchases

eBucks App and online No charge No charge

Connect
R0.01-R10.00: R0.50
nav» Money USSD No charge R10.01-R25: R1
R25.01+: R2
Fees

Important information

Contact us

23
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
FNB Easy PAYU
General fees (continued)

2023-2024

Get the best value Transactions not mentioned above will be charged at the Pay-As-You-Use (PAYU) rates below.

FNB Easy PAYU

Card purchases
FNB Easy Smart

Transact Local card purchases No charge

Bank No charge
International card purchases (Commission and currency conversion
Invest fee 2% of transaction value)

Save and Invest

Linked account transfers
Tax Free Shares
FNB Branch or telephone banking (consultant assisted) R80
Lend

Insure

Lifestyle

eBucks

Connect

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Fees

Important information

Contact us

24
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
FNB Easy PAYU
General fees (continued)

2023-2024

Get the best value

Payments
FNB Easy PAYU

FNB Easy Smart FNB Branch or telephone banking (consultant assisted) R80

Transact 2% of transaction
International card purchase fee
value (max R100)
Bank
Debit order management
Invest
Stop payment – digital channels No charge
Save and Invest

Tax Free Shares Stop payment – telephone banking (consultant assisted) R80

Lend Stop payment – branch R80

Insure Debit order dispute – FNB App and online banking R5

Lifestyle
Debit order dispute – telephone banking (consultant assisted) R47
eBucks
Debit order dispute – branch (consultant assisted) R47
Connect

nav» Money Scheduled payment (establishment and amendment)

Fees Online No charge

Important information Consultant assisted R20

Contact us

25
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
FNB Easy PAYU
General fees (continued)

2023-2024

Get the best value Unsuccessful transactions (insufficient funds) Card replacement fees
FNB Easy PAYU
FNB ATM No charge
FNB Easy Smart Replacement fee R150
Point-of-sale, scheduled payment
R8
Transact and other banks’ ATMs Courier delivery standard No charge

Bank Item paid R10 per item Courier delivery scheduled R160
Invest 2 at no cost thereafter R10 per item
Item unpaid Branch delivery No charge
(applicable on a 12 month rolling period)
Save and Invest
International delivery R760
Tax Free Shares
Urgent delivery R265
Lend

Insure

Lifestyle

eBucks

Connect

nav» Money

Fees

Important information

Contact us

26
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
FNB Easy PAYU
General fees (continued)

2023-2024

Get the best value Convenience and value-added Balance alert (fee per month)
FNB Easy PAYU services
LOTTO™/Powerball R2.70* Monthly R1.25
FNB Easy Smart

Transact <R75 : R0.50 Weekly R3.45

Prepaid electricity >R75&<=R150: R1.50
Bank >R150: R3 Daily R16.50
Invest Daily Lotto R1
Payment notifications
Save and Invest DStv payments R7
Email No charge
Tax Free Shares Vouchers (Entertainment, gaming, music,
R2.70
transport etc.) SMS No charge
Lend
<R100 No Charge
Insure Real Time Payments FNB to other Bank Other fees
- Payshap and >R100 R0.65 per R100
Lifestyle Instant Payment Online banking account verification
R3.54
FNB to FNB Refer to electronic payment fee (FNB accounts and other banks’ accounts)
eBucks
R8 (PAYU) Online banking payment history (older than 3 months) R7
Pay and Clear
Connect R30 (Smart)

nav» Money Account confirmation letter – online No charge

Fees Electronic subscriptions services (fee per month)

Important information My Limit alert R3.80
Contact us
Scheduled Payments alert R3.80

27 * LOTTO™ purchases are excluded from the Islamic Easy account

Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
FNB Easy PAYU
General fees (continued)

2023-2024

Get the best value

eWallet
FNB Easy PAYU
Fees for sender
FNB Easy Smart

Transact Send money from FNB account to eWallet R2 + R2.40 per R100

Bank
Reversal of incorrect ‘send money to eWallet’ transaction – telephone/branch R75
Invest

Save and Invest Reversal of incorrect ‘send money to eWallet’ transaction – cellphone banking R17.50

Tax Free Shares

Fees for recipient
Lend
Monthly account fee No charge
Insure
Withdraw cash from an FNB ATM, FNB Mini ATM 1 withdrawal at no charge for each payment received (limited to max. 4 at any time)8
Lifestyle

eBucks Withdraw cash at selected retailers No charge

Connect Prepaid airtime transaction fee (Cellphone banking) No charge

nav» Money Prepaid electricity R2.70

Fees Inactivity fee per month (after 6 months of inactivity) R5.25

Important information
Transfer from your eWallet to your FNB account No charge
Contact us
eWallet balance enquiry No charge

eWallet mini-statement No charge

28 8
Thereafter R11 per withdrawal from an FNB ATM and no charge per withdrawal from a participating retailer
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
FNB Easy PAYU
Lend fees
General fees
2023-2024

Get the best value

Personal Loan
FNB Easy PAYU

FNB Easy Smart Personal loan monthly service fee R69*

Transact No initiation fee when you top up

Personal loan once-off initiation fee your existing personal loan)
Bank Up to R1 207.50

Invest
Credit fees
Save and Invest
Up to R1207.50 (VAT included),
Tax Free Shares Revolving facility initiation fee (once-off)
depending on your loan amount
Lend Revolving facility monthly fee (agreements from 6 May 2016) R696
Insure

Lifestyle

eBucks

Connect

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Fees

Important information

Contact us

6
R69 will only be charged when customers make use of facility
29 * Existing customers that enter into a new agreement will be charged a monthly service fee of R69 once approved

Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
 FNB
FNB Private
Easy PAYUWealth
Foreign
General exchange
fees (continued)
2023-2024
2023-2024 All channels (Online banking /App/call centre/branch/banker)

Get the best value

Product overview MoneyGram* MoneyGram*
FNB Easy PAYU
Get the best value
FNB Easy rewards
eBucks Smart Send amount (USD) Send fee (USD) Send amount (USD) Send fee (USD)
Transact
Our solutions
$0 - $50 $7 $700 - $800 $39
Product comparison
Bank
No charge transactions $50 - $100 $10 $800 - $900 $44
Invest
Credit card
Save and Invest $100 - $150 $11 $900 - $1 000 $49
Global Account
Tax Free Shares $150 - $200 $13 $1 000 - $1 200 $55
Channel Islands
Lend
Bank charges
$200 - $250 $15 $1 200 - $1 500 $63
Foreign exchange
Insure
Lending $250 - $300 $17 $1 500 - $1 800 $70
Lifestyle
Invest $300 - $400 $19 $1 800 - $2 500 $90
eBucks
Retirement solution
Connect $400 - $500 $24 $2 500 - $5 000 $140
Private business accounts
nav» Money
Business banking charges $500 - $600 $29 $5 000 - $7 500 $240
Cash bundle
Fees
$600 - $700 $34 $7 500 - $8 000 $290
Non-trading
Important account
information
Important information
Contact us
Contact us
Receive a discount when sending MoneyGram via the FNB App using the ‘direct to account’ option. You can receive a guaranteed or up to 15% discount
on the send fee, when sending a MoneyGram using the ‘Direct to bank account option’ where available in the destination country*.

30
10 *9 MoneyGram
MoneyGram fees
fees exclude
exclude VAT.
VAT.
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
FNB Easy PAYU
2023-2024

Get the best value

FNB Easy PAYU

FNB Easy Smart

Transact Important
Bank

Invest
information
Save and Invest

Tax Free Savings The small print

Lend

Insure

Lifestyle
Standard terminology
eBucks

Connect

nav» Money

Fees

Important information

Contact us

31
Terms,
Terms, Conditions and Earn Rules apply.
Terms,
Certainconditions
Conditions
benefitsand andRules
earn
are dependent
Earn onrules
apply.
your apply.
Certain
account
benefits
and eBucks
are dependent
rewards level
on your account and eBucks rewards level
A division of FirstRand Bank Limited. AnAAuthorised
division of Financial
FirstRandServices
Bank Limited. An Authorised
and Credit Financial Services and Credit Provider (NCRCP20).
Provider (NCRCP20).
FNB Easy PAYU
The small print
2023-2024

Get the best value Information on our products and prices

FNB Easy PAYU
• FNB, a division of FirstRand Bank Ltd. reserves the right to change • If there is disagreement between the product or facility specific
FNB Easy Smart fees or introduce new fees from time to time. If we do this, though, terms and conditions and what’s outlined in this pricing guide,
Transact we’ll give you at least 20 business days’ notice of these changes. we’ll follow the product or facility-specific terms and conditions
You’ll find these changes on FNB’s website that apply to such a facility or product
Bank

Invest • We strive to keep the information provided in the pricing guide • FNB reserves the right to change the features of any product or
as accurate as possible, and should you have any queries kindly facility at any time
Save and Invest
contact 087 575 9404. Standard network rates apply
• Fees quoted as “per R100” include parts thereof
Tax Free Shares
• You must apply for each facility or product individually
• Where cellphone banking is referred to, standard network
Lend
• The granting of any facility or product is subject to you meeting the rates apply
Insure qualifying criteria of that product or facility
• The MoneyGram fees are exclusive of VAT unless
Lifestyle • Each facility or product has a set of terms and conditions for that otherwise indicated
eBucks specific facility or product. The applicant accepts an agreement
• All fees quoted are VAT inclusive, unless otherwise indicated,
with us that details the terms and conditions
Connect and are effective from 1 July 2023 - 30 June 2024
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Fees

Important information

Contact us

32
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
FNB Easy PAYU
Standard terminology
2023-2024
If you want to compare FNB’s fees with those of other banks, we have, as far as possible, used standard
Get the best value
terminology throughout this pricing guide. In the case where we’ve used FNB-specific terminology,
FNB Easy PAYU we’ve added this here showing the wording that other banks may use.
FNB Easy Smart

Transact
Glossary of terms
Bank

Invest FNB term (As Used In Guide) Standard terminology

Save and Invest

Card purchase Card transaction
Tax Free Shares
Payment Third party payment/stop order
Lend
Slimline devices Mini ATMs
Insure
Online banking, telephone banking,
Lifestyle eChannels
Interactive Voice Response (IVR) and FNB ATMs
eBucks
Mobile channels Cellphone banking and the FNB App
Connect

nav» Money

Fees

Important information

Contact us

33
Terms, Conditions and Earn Rules apply. Certain benefits are dependent on your account and eBucks rewards level
A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
 FNB Easy PAYU
2023-2024

Get the best value

FNB Easy PAYU

FNB Easy Smart

Transact

Bank

Invest
Contact us
Save and Invest
For more information on how we can help you bank
Tax Free Shares better, contact us via the following ways:
Lend

Insure
*120*321# FNB App
Lifestyle

eBucks 087 575 3279 Visit your nearest branch

Connect

nav» Money Search fnb.co.za

Fees

Important information

Contact us

34
Terms,
Terms, Conditions and Earn Rules apply.
Terms,
Certainconditions
Conditions
benefitsand andRules
earn
are dependent
Earn onrules
apply.
your apply.
Certain
account
benefits
and eBucks
are dependent
rewards level
on your account and eBucks rewards level
A division of FirstRand Bank Limited. AnAAuthorised
division of Financial
FirstRandServices
Bank Limited. An Authorised
and Credit Financial Services and Credit Provider (NCRCP20).
Provider (NCRCP20).
JAW 5429 Easy PAYU D8.2 • July 19, 2023 2:35 pm