Private Wealth accounts | Private Wealth Credit Card | Foreign Exchange | Private Wealth Business Account Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility Contact us Important information eBucks Rewards and benefits Ways to bank Introduction eB Private Wealth Enjoy the pinnacle of private banking in FNB. Pricing guide 1 July 2016 – 30 June 2017 Terms, conditions and rules apply. First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
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Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility
Important informationeBucks Rewards and benefitsWays to bank Introduction eB
3LOTTO purchases are excluded from the Islamic Cheque Account.4Refer to terms and conditions of credit agreement.5Only applicable to Non-Discretionary Securities Global Trading Accounts.6Fees are applicable to Foreign Exchange transactions.7A minimum balance of at least £5 000.00 must be maintained in your FNB Channel Islands Current Account.8A minimum opening deposit of R100 000.00 is required. Balances below R100 000.00 do not earn interest. Other transactional fees including cash and cheque deposits apply. Visit for more information.
1. Unlimited pricing option
For a fixed account fee per month, you get the
following on your Private Wealth Cheque Account
and Structured/Single Facility:
2. Bundled pricing option
You pay a single discounted monthly account
fee for an all-inclusive bundle of transactional
products, which gives you all the benefits of the
Unlimited pricing option including the monthly
fees for your:
• Private Wealth Cheque Account or
Structured/Single Facility
• Private Wealth Credit Card
• Overdraft4
• Up to five free additional credit cards
• Up to five free linked Petro Cards
• Securities Online Trading Account
• Securities Global Trading Account5
• Global Account6
• FNB Channel Islands Current Account7
• Money Maximiser8
Note: the Bundled pricing option is only applicable
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility
Important informationeBucks Rewards and benefitsWays to bank Introduction eB
9Only one spouse per main account holder.10The Spousal account must be linked to a main account or standard pricing will apply. 11Refer to terms and conditions of credit agreement. 12Only applicable to Non-Discretionary Securities Global Trading Accounts.13Fees are applicable to Foreign Exchange transactions.14A minimum balance of at least £5 000.00 must be maintained in your FNB Channel Islands Current Account.15A minimum opening deposit of R100 000.00 is required. Balances below R100 000.00 do not earn interest. Other transactional fees including cash and cheque deposits apply. Visit for more information.
3. Spousal pricing option
Your spouse9 will pay a single discounted monthly
account fee10 for an all-inclusive bundle of
transactional products, which gives them all the
benefits of the Bundled pricing option including the
monthly fees for their:
• Private Wealth Cheque Account or
Structured/Single Facility
• Private Wealth Credit Card
• Overdraft11
• Up to five free additional credit cards
• Up to five free linked Petro Cards
• Securities Online Trading Account
• Securities Global Trading Account12
• Global Account13
• FNB Channel Islands Current Account14
• Money Maximiser15
Note: the Spousal pricing option is only applicable
to individuals, joint accounts do not apply.
If your spouse maintains a credit balance of at
least R100 000.00 in their Private Wealth Cheque
Account on the Spousal pricing option throughout
the month, their monthly account fee will
be rebated.
4. High Touch Banking pricing option
This pricing option allows you to pay a single fee
across your portfolio of accounts, excluding your
credit card and business accounts.
For a negotiable monthly account fee, you will
receive unlimited banking transactions across our
electronic channels on your portfolio of cheque
accounts which are on the High Touch Banking
pricing option. Refer to the Unlimited pricing option
in the table to follow for applicable fees excluding
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility
Important informationeBucks Rewards and benefitsWays to bank Introduction eB
16Refer to terms and conditions of credit agreement. 17Only applicable to Non-Discretionary Securities Global Trading Accounts.18Fees are applicable to Foreign Exchange transactions.19A minimum balance of at least £5 000.00 must be maintained in your FNB Channel Islands Current Account.20A minimum opening deposit of R100 000.00 is required. Balances below R100 000.00 do not earn interest. Other transactional fees including cash and cheque deposits apply. Visit for more information.21Refer to terms and conditions of credit agreement.22International currency commission and conversion fee of 2.75% of the transaction value applies.
Pricing option Unlimited Bundled Spousal
Monthly account fee R315.00 R419.00 R220.00
Minimum balance for rebate R100 000.00
Other product fees included in your monthly cheque account fee –
Cheque Account or Structured/Single Facility Credit Card Overdraft fee16 Securities Online Trading Account Securities Global Trading Account17 Global Account18
FNB Channel Islands Current Account19
Money Maximiser20
Monthly credit service fee R68.40
Rebate on monthly credit service fee21 R38.40 R68.40
Card purchases22 Free
Prepaid purchases Free
Payments and transfers (FNB Banking App, Online Banking, Cellphone Banking, Telephone Banking – consultant assisted, IVR and Speech)
Free
Cheque payments Free
Fees applicable on your cheque account for the Unlimited, Bundled and Spousal pricing options
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility
Important informationeBucks Rewards and benefitsWays to bank Introduction eB
22International currency commission and conversion fee of 2.75% of the transaction value applies.23Not applicable to the High Touch Banking pricing option.24Only applies if you have taken up an FNB smartphone/tablet/laptop offer.25Monthly account fees effective from 1 July 2016.26New One Account agreements granted from 1 July 2016.
Pricing option Unlimited Bundled Spousal
Debit orders (internal and external) Free
Cash@Till™ withdrawals Free
FNB ATM withdrawals Free
Other banks’ ATM withdrawals (local and international)22 Free
FNB ATM cash deposits23 Free up to R10 000.00 Free up to R20 000.00
eBucks Rewards subscription Free
Subscription to inContact, Online Banking, Cellphone Banking, Telephone Banking and FNB Banking App
Free
Monthly petrol card fee (linked to your Private Wealth Cheque Account) R16.50
Monthly device payment24 Device dependent
One Account
Monthly account fee25 R383.40 R487.40
Once-off initiation fee (for new accounts only)26 R5 985.00
Fees applicable on your cheque account for the Unlimited, Bundled and Spousal pricing options
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility
Important informationeBucks Rewards and benefitsWays to bank Introduction eB
28Refer to terms and conditions of credit agreement.29Only applies if you have taken up an FNB smartphone/tablet/laptop offer. 30International currency commission and conversion fee of 2.75% of the transaction value applies.
5. Pay-As-You-Use (PAYU) pricing option
On this pricing option, you are charged for each
transaction at the applicable fee.
Excluded transactions
The following transactions will be charged for in
addition to your monthly account fees:
Transaction description Fee
Monthly account fee R108.00
Monthly credit service fee R68.40
Rebate on monthly credit service fee28 R38.40
Monthly petrol card fee (linked to your Private Wealth Cheque Account) R16.50
Monthly device payment29 Device dependent
Subscription to inContact, Online Banking, Cellphone Banking, Telephone Banking and FNB Banking App Free
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility
Important informationeBucks Rewards and benefitsWays to bank Introduction eB
Structured/Single Facility lending fees
For your ease of reference, fees for our product
range have been segmented in the table to follow.
Existing facility Fee
Monthly service fee (applies to clients with credit agreements concluded prior to 1 June 2007 and with a facility size of R500 000.00 or less) R5.70
Monthly service fee (applies to NCA clients with credit agreements concluded between 1 June 2007 and 6 May 2016) R57.00
Monthly service fee (applies to NCA clients with credit agreements concluded from 6 May 2016) R68.40
Monthly service fee (applies to non-NCA clients as well as to clients with credit agreements concluded prior to 1 June 2007 with a facility greater than R500 000.00)
R215.00
New facility Fee
Once-off initiation fee on mortgage agreements (applies to clients that fall within the ambit of the NCA) R5 985.00
Once-off initiation fee on unsecured and secured credit facilities other than mortgage agreements (applies to clients that fall within the ambit of the NCA)
R1 197.00
Once-off initiation fee on unsecured and secured credit facilities other than mortgage agreements (applies to clients that do not fall within the ambit of the NCA)
R2 420.00
Structuring fee (applies to non-NCA juristic clients) % of deal size and is variable based on deal structure
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility
Important informationeBucks Rewards and benefitsWays to bank Introduction eB
Structured/Single Facility lending fees
Note: the monthly service fee applicable to your
loan will be charged irrespective of the balance
outstanding and will only cease when the credit
advance has been cancelled.
Note: property guarantees are only valid for six
months. Amendments will be charged the full rate
as per the table to follow.
Early termination fees
A fixed rate breakage fee is charged when a fixed rate is cancelled prior to expiry
An early termination fee is charged when your loan is cancelled without providing 90 days’ notice. The fee is equal to no more than the interest that would have been payable under the agreement for the period equal to the difference between the 90 days and the period of notice of settlement, given by you
Other fees Fee
Unpaid debit order fee (applies to non-NCA juristic clients) R200.00
Bank cheque commission R100.00
Non-standard guarantee fees Fee
Property guarantees (applies to Structured Loan and Single Facility) R2 500.00 bi-annually
Property guarantees (applies to Securities Based Loan only)1.7% p.a. of value of guarantee or min of R2 500.00 which is charged bi-annually
Performance guarantees1.7% p.a. of value of guarantee or min of R2 500.00 which is charged bi-annually
Performance guarantees (if client uses own funds to issue the guarantee) R2 500.00 bi-annually
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility
Important informationeBucks Rewards and benefitsWays to bank Introduction eB
Private Wealth Credit Card
Your Private Wealth Credit Card fees are segmented
in the table to follow.
33Limited to five free cards, thereafter a card fee of R15.50 per month will apply per additional credit card and R26.50 per month per linked Petro Card. 34International currency commission and conversion fee of 2.75% of the transaction value applies.
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility
Important informationeBucks Rewards and benefitsWays to bank Introduction eB
Excluded transactions
The following transactions will be charged for in
addition to your Standalone Credit Card monthly
account fees and/or Bundled fees:
Transaction description Standalone Credit Card
Purchases
Fuel transaction fee (Petro Card only) R5.00
Linked account transfers and account payments
Linked account transfers R3.70
Third-party payments (including IVR Smart Transfer payments) R7.35
Telephone Banking (consultant assisted) R60.00
Transfers and payments (FNB branch) R60.00
Cash withdrawals
FNB ATM R1.85 per R100.00
Other banks’ ATMs R7.00 + FNB ATM fee
FNB branch R60.00 + R1.85 per R100.00
International ATM/branch35 R60.00 + R1.85 per R100.00
Cash on budget R60.00 + R2.75 per R100.00
FNB Slimline ATM (withdrawal limits may apply) R1.85 per R100.00
Other banks’ Mini-ATMs R7.00 + FNB Slimline ATM fee
35International currency commission and conversion fee of 2.75% of the transaction value applies. This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATMs charge an additional surcharge.
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility
Important informationeBucks Rewards and benefitsWays to bank Introduction eB
39Debit transactions include all payments performed via the FNB Banking App, FNB ATMs and Online Banking, excluding cheque and branch transactions, Pay & Clear Now, transactions using Online Banking EnterpriseTM and other banks’ ATMs.
Description Option 1 Option 2 Option 3
Monthly account fee R240.00 R350.00 R510.00
Point of sale cardpurchases Unlimited Unlimited Unlimited
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility
Important informationeBucks Rewards and benefitsWays to bank Introduction eB
Single Fee pricing options
Note: transactions not mentioned, or in excess
of these limits, will be charged at Private Wealth
Business Account Pay-As-You-Use rates.
Description Option 1 Option 2 Option 3
Cash deposited at FNB ATM with Deposits only
Unlimited cash deposits of up to R50 000.00 per month
Unlimited cash deposits of up to R100 000.00 per month
Unlimited cash deposits of up to R250 000.00 per month
Out-of-bundle rates should you exceed the specified number of debit transactions
FNB ATM withdrawals and other electronic debit transactions (per transaction)39
R18.00 R17.00 R16.00
Cash deposited at FNB ATM with Deposits only
R3.75 + R0.60 per R100.00 or part thereof
R3.75 + R0.55 per R100.00 or part thereof
R3.75 + R0.50 per R100.00 or part thereof
Monthly account fees Fee
Account fee R108.00
Monthly petrol card fee (linked to your Private Wealth Business Account) R16.50
Pay-As-You-Use pricing option
On this pricing option, you are charged for each
transaction at the applicable fee.
39Debit transactions include all payments performed via the FNB Banking App, FNB ATMs and Online Banking, excluding cheque and branch transactions, Pay & Clear Now, transactions using Online Banking EnterpriseTM and other banks’ ATMs.
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility
Important informationeBucks Rewards and benefitsWays to bank Introduction eB
Existing facility Fee
Monthly service fee (applies to clients with credit agreements concluded prior to 1 June 2007 and with a facility size of R500 000.00 or less) R5.70
Monthly service fee (applies to NCA clients with credit agreements concluded between 1 June 2007 and 6 May 2016) R57.00
Monthly service fee (applies to NCA clients with credit agreements concluded from 6 May 2016) R68.40
Monthly service fee (applies to non-NCA clients as well as to clients with credit agreements concluded prior to 1 June 2007 with a facility greater than R500 000.00)
R215.00
Private Wealth offers you specialist lending
expertise and services to help you meet your unique
wealth needs and aspirations. Our range of flexible
lending products can be shaped to your advantage,
taking account of your particular requirements,
desired funding amount and objectives.
We specialise in providing finance for your dream
home, holiday home, investment property or rental
portfolio through our range of tailor-made lending
solutions including home loans, structured loans,
securities-based loans and building loans.
For your ease of reference, fees for our product
range have been segmented in the table to follow.
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility
Note: the monthly service fee applicable to your
loan will be charged irrespective of the balance
outstanding and will only cease when the credit
advance has been cancelled.
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility
Important informationeBucks Rewards and benefitsWays to bank Introduction eB
New facility Fee
Once-off initiation fee on mortgage agreements (applies to clients that fall within the ambit of the NCA) R5 985.00
Once-off initiation fee on unsecured and secured credit facilities other than mortgage agreements (applies to clients that fall within the ambit of the NCA)
R1 197.00
Once-off initiation fee on unsecured and secured credit facilities other than mortgage agreements (applies to clients that do not fall within the ambit of the NCA)
R2 420.00
Structuring fee (applies to non-NCA juristic clients) % of deal size and is variable based on deal structure
Valuation fees Fee
Property revaluation fee R1 550.00
Early termination fees
A fixed rate breakage fee is charged when a fixed rate is cancelled prior to expiry
An early termination fee is charged when your loan is cancelled without providing 90 days’ notice. The fee is equal to no more than the interest that would have been payable under the agreement for the period equal to the difference between the 90 days and the period of notice of settlement, given by you
Home Loan, Structured Loan, Securities Based Loan and Single Credit Facility