own branch*. 4 R3.25. R4.00 ... own bank's ATM*. 48 R3.25 ... Easy repayment period from 1 to 60 months to suit your poc
1. Choose Cardless services
2. Select “Deposit Cash”
3.Key-in Account number
4. Key-in Reference Number
5. Key-in Name
6. Enter your Phone Number
First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
EasyPlan
Get ATM cash deposits cleared immediately 24/7
7. Deposit Cash
Please make sure that there are no rubber bands or folded notes.
/ FNB.997052 March 12
8. Confirm Cash Deposit
9. Take Your Slip
Did you know that you can deposit or withdraw cash at ATMs without using your card?
For more information on how to deposit cash into an FNB account, speak to our friendly consultants at any FNB EasyPlan branch.
Easy banking for everyone. Pay less for banking, give more to your family.
Cost per Transaction Number of FNB Bank A transactions EasyPlan per year
Does your bank help you save on bank charges? Get a basic bank account with low charges and a free savings pocket, offering you best value for your money. Easy Account offers you: • A FREE savings pocket with zero monthly fee, giving you more return on your savings • Low monthly fee of only R4.20 per month • FREE card purchases, cash withdrawals at tillpoint, transfers, scheduled payments (stop orders) and FNB balance enquiries • Reduced Prepaid purchases at only R0.90 each • Debit orders, account payments and statements at only R2.95 per transaction • FNB cash withdrawals and deposits at only R3.25 each
Bank C
Bank D
Scheduled Payments (Stop Orders)
12 R0.00
R3.00
R5.00
R2.85
R4.00
Debit orders
12 R2.95
R3.00
R5.00
R2.85
R4.00
Statements at branch
4 R2.95
R3.00
R0.00
R8.00
R25.00
Inter-account transfers
24 R0.00
R0.00
R0.00
R2.85
R2.00
Debit card purchases
24 R0.00
R0.00
R1.00
R0.00
R2.00
Cash withdrawal at tillpoint*
24 R0.00
R1.00
R1.00
R1.00
R4.00
4 R3.25
R4.00
R5.00
R10.60
R25.00
Cash withdrawal at own bank's ATM*
48 R3.25
R4.00
R5.00
R3.85
R4.00
Cash withdrawal at other bank's ATM*
4 R7.70
R7.00
R7.00
R15.35
R4.00
Cash deposit at own branch*
Easy Account
Bank B
Savings Pocket monthly fee
12 R0.00
n/a
n/a
n/a
n/a
Monthly account fee
12 R4.20
R4.50
R 5.00
R0.00
R0.00
Average bank fees per month *based on an amount of R500
R24.78
R33.17 R43.00 R40.12
R58.00
SMS Scoring Use your cellphone to check how much you qualify for with Easy Loan. It’s easy, simply dial *120*321*1# and you will know the loan amount you qualify for in seconds. Follow these 7 easy steps:
Easy Loan If you require quick access to additional cash, Easy Loan is all you need. Get the cash you need within minutes. Easy Loan offers you: • Loans from R250 to R120 000 paid out within 10 minutes • Easy repayment period from 1 to 60 months to suit your pocket • Weekly/ fortnightly earners may also qualify for Easy Loan • SMS Scoring to know how much you qualify for within seconds • Debt Consolidation for you to pay a single affordable monthly instalment
1. Dial *120* 321*1# 2. Enter your ID number 3. Enter your monthly gross income 4. Give FNB permission to conduct a credit check on your name 5. If not FNB customer, SMS your name and surname 6. Upon conditional approval, please visit your nearest FNB EasyPlan branch or contact our call centre to apply for a loan on 0861 733359 7. Please bring your: • Green bar-coded South African ID • Original payslip (2 payslips if paid fortnightly or 4 payslips if paid weekly) • 3 Months’ bank statements (for Non-FNB customers) • Proof of residence
Debt Consolidation Consolidate your debt with an Easy Loan and save on interest. You can group all your debt from various creditors into one with Easy Loan and: • Pay a single affordable monthly instalment • Save on interest • Improve your credit profile and qualify for more credit in future Example of Debt Consolidation: Before debt consolidation Loan amount
Outstanding balance
Interest rate
Term
Service fee
Total instalments (incl. service fee)
Loan 1
R20 000
R15 000
20%
42
R57
R722.95
Loan 2
R15 000
R6 000
32%
36
R57
R710.32
Loan 3
R10 000
R8 000
24%
24
R57
R585.71
Total Debt
R45 000
R29 000
R2 018.97
After debt consolidation Loan amount
Easy Loan
Outstanding balance
R50 000
Interest rate
Term
Service fee
Total instalments (incl. service fee)
18%*
48
R57
R1 525.75
Instalment saving
R493.22
Cash payout after consolidation
R21 000
Easy Invest Invest your money with FNB Easy Invest and get more money for your money. For a minimum opening balance of only R100, it’s easy for you to become an investor with FNB Easy Invest. There are no risks of losing your hard-earned money and there is no maximum limit to the amount you can invest.
* The interest rate used on the table is an example of how one can save on interest and pay lower instalments when consolidating debt. Terms and conditions apply.
FNB Easy Invest offers you 2 easy and flexible options to choose from:
Easy Funeral Plan
32 Day Interest Plus Account
Easy Funeral Plan offers you:
• Gives you easy access to invested funds upon giving 32 days notice • No monthly fees, giving you better return on your investment • This account allows you to invest your money and have additional deposits at various FNB ATMs 24/7 • 32 Days notice at FNB EasyPlan branches, ATMs or Online Banking to access your funds • Two interest rate increases, once after 32 days and after 64 days of opening the account
• Basic cover for you, your spouse and up to 8 children • Choice of cover between R5 000 and R30 000 with no medical check-ups required • A FREE Memorial Benefit worth R5 000 for the main member’s tombstone • Additional cover available for extended family members • Double cover if the main member’s or a spouse’s death is caused by an accident • Claims paid out within 48 hours into your bank account
* Terms and conditions apply.
Flexi Fixed Deposit • A 3 or 12 months fixed deposit account that allows you to make additional deposits, earning you interest on interest • No monthly fees, giving you better return on your investment
• Up to 30% access to your money during the investment term • Additional deposits can be made at various FNB ATMs 24/7 • Tiered interest rates, giving you more interest on your higher balance • Flexible interest rate, linked to Prime Lending Rate
eWallet
Cellphone Banking With Cellphone Banking, there’s no need to go to the bank to do your banking. You can transact from wherever you are 24/7. Cellphone Banking helps you: • Buy airtime • Check balances and make transfers • Play the lotto • Pay your electricity and utility bills • Pay beneficiaries To get started, register for Cellphone Banking from FNB by following these simple steps: • Dial *120*321# • Select “More Features”, then “Continue” • Enter the last 4 digits of your FNB card • Enter the FNB card PIN • Select a Cellphone Banking PIN Once you have registered, you can dial *120*321# to start enjoying the benefits of Cellphone Banking.
You can conveniently and securely send money to anyone with a cellphone, anywhere in South Africa. Importantly, the receiver does not have to have an account to access the money you send. eWallet helps you: • Send money through Cellphone Banking • Buy pre-paid airtime • Send and withdraw cash through your cellphone • Make payments and purchase goods at selected retailers • Send money through Online Banking • Send money via FNB ATM • Withdraw money from eWallet through selected retailers
Atm Advance ATM with real-time cash deposit. Deposit cash at FNB’s clever ATMs 24/7and get it cleared immediately. ATM Advance machines are like tellers that never sleep, enabling you to deposit cash and have it cleared immediately whenever it suits you.
With FNB EasyPlan, there are no hidden costs. Fees that have not changed or have decreased are shown in orange.
Useful tips to help you manage your money: • Always ensure that you have enough money in your bank account to cover your monthly loan repayment. Rejected debit orders on
Monthly Fees
your bank account result in additional bank charges and bad
Monthly Account fee
R 4.20
Subscriptions to inContact, Online and Cellphone Banking
R 8.50
credit history. • By paying your loan instalments on time, you increase the chances of qualifying for more credit whenever you need it
Transaction Fees
• Treat your ATM/Debit Card as you would treat cash – never let it out of your sight • Don’t give your secret PIN to anyone
Card/FNB ATM Cellphone
Online
EasyPlan Branch
Balance Enquiry
Free
Free
Free
Free
Card Purchases
Free
-
-
-
R0.90
R0.90
R0.90
-
Free
-
-
-
R3.25
-
-
R3.25
FNB Prepaid Purchases Cash @ Till FNB Cash Withdrawals Transfers
Free
Free
Free
Free
Payments
R2.95
R2.95
R2.95
R2.95
Statements
R2.95
R2.95
-
R2.95
Deposits (Cash and Cheque)
R3.25
-
-
R3.25
Scheduled Payments (Stop Orders)
Debit Orders
• Don’t accept help from strangers at an ATM • Don’t let your friends or family use your ATM/Debit card • Always advise the bank of change of address, new telephone details and new employer details
We are open longer to serve you better.
Free
For more information, call 0861 733359 or visit your nearest FNB EasyPlan branch during the following extended hours:
R2.95
Fee
Weekdays: Monday to Friday - 7am – 5pm 24th – 1st of every month - 7am – 7pm
Prepaid Purchase at other bank’s ATM
R2.95
International Card Purchases
R2.95
Weekends: Saturday: 7am – 1pm 24th – 1st of every month - 7am – 3pm
Other Transaction Fees Payable Purchases
Cash Withdrawals Other bank’s ATM
R7.70
Balance Enquiries Other bank’s ATM
R3.25
Declined Transactions FNB ATM (Insufficient Funds or Limit Exceeded)
Free
Point-of-Sale and other bank’s ATM
R5.00
Unsuccessful EDO and Scheduled Payment
R6.50
Unpaid Debit Order (per item)
R5.00
Scheduled Payment Related Fees Amendment Fee (FNB Branch)
R9.00
Establishment Fee (FNB Branch)
R12.00
Other Fees ATM Card Replacement Fee
R27.50
Stop Payments
R35.00
* Fees only apply at FNB EasyPlan branches. Transactions at any other FNB branch will be charged at FNB Smart Transmission Account rates. Pricing correct at the time of printing.
