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Why FNB?

InContact

This innovative messaging system allows you to keep in touch with your account balances and transactions, helping you manage your money and prevent fraud on your account.

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Ońline Bańking

FNB Ońline Bańking offers you Internet-based, electronic Bańking that's easy to use, quick, secure and available 24/7.

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CellPhone Bańking

Cellphone Bańking enables you to conveniently perform a number of Bańking transactions via your cellphone.

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eMail Statements

Have your statements sent to you via email, saving you paperwork and contributing to a greener environment.

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Smart Zero Pricing Option

You can now have a Smart Cheque Account without paying a fixed monthly account fee. If you earn up to M1 200 per month and have an irregular income you can qualify to pay Zero monthly account fee.

Why do I need this?

If you have a Smart Cheque Account you can get the Smart 'Zero – Monthly Fee' pricing option and pay no monthly account fee. It is designed for customers in the mainstream market, earning up to M1 200 p.m with an irregular income. This pricing option has all the functionality of a transmission account, with a fee structure tailor-made for this target market. This pricing option is best suited to seasonal or migrant workers.

What will it Cost?

Smart Zero Pricing Option
Monthly Account Fee
Smart Account Nil
Electronic Transactions
Internal Debit Orders M5.00
External Debit Orders M21.00
Visa Electron Debit Card Purchases (POS - Local) M3.00
Visa Electron Debit Card Purchases (POS - International) M6.00 for the 1st M100 +M0.60 per M100 thereafter, Max M25
Account Payments
FNB ATM, Ońline Bańking and Telephone Bańking IVR M8.00
Scheduled Payments M8.00
Branch Payments M28.00
Cheque / General Dr M28.00
Linked Account Transfers
FNB ATM, Ońline Bańking and Telephone Bańking IVR M5.00
Scheduled Transfer M5.00
Branch M28.00
Cash Withdrawals
Over the counter cash withdrawals / cheque encashment M28.00 plus Cash Handling Fee
Cash Handling Fee 0.47% of cash value. Maximum M550.00 per encashment
FNB ATM Per M500.00 M8.00
Cash Back at Point of Sale - International M0.60 per M100, Min M6.00
Cash Back at Point of Sale M3.00
Deposits
Cheques - per deposit M14.00
FNB ATM and Branch Cash deposit 1.15% of cash value. Minimum fee of M20.00 per cash deposit
Pre Paid
Local M3.00
Other Bańk M6.20
Balance Enquiries
FNB ATM Free
Point of Sale M1.70
Balance Enquiries - Branch M5.90
Other Bańk's ATMs
Cash withdrawals M28.00
Debit Card Local Cash Advance M26.00
Debit Card International Cash Advance M36.00
Mini ATM Cashwithdrawals M28.00
Balance Enquiries M5.90
Other Account related fees
Special Instructions
Bańk Cheque per cheque M97.20
ENC Upliftment Fee / Special Clearance (per deposit) M98.00
Scheduled Payment Establishment Fee M12.40
Scheduled Payment Amendment Fee M8.60
Statements
Provisional Statement (Branch and Telephone Bańking) per page M9.00
Mini Statement (FNB ATM ) M2.80
Emailing of monthly statements Free
Stop Payments
FNB Branch M43.50
Penalty Fees
Card Replacement Fee (per card) M70.50
Deposit of Post Dated Cheques (per cheque) M49.00
Dishonoured Payment - Cheques and Debit Orders (per item) M220.00 per item for first three items and then M310.00 per item in a 12 month period
Honouring Fee per item(charged when you exceed your account limit) M110.00 for first three items and then M155.00 per item in a 12 month period
Inward Unpaid Charge M48.60
PIN Replacement fee M29.75
Rejected / declined electronic fee - FNB M4.80
Rejected / declined electronic fee - Other Banks M7.00
Rejected / declined electronic fee - International M11.90
Rejected / declined electronic fee - Scheduled Payment M12.00
Value Added Services
Send Money M35.00
Payment Notifications (fee per notification)
Email M0.70
SMS M1.10
Fax M4.90

I want it:

Visit your nearest FNB South Africa Branch

Contact Us

For any SmartZero queries, call us on (+266) 2224 1000.
Or visit your nearest FNB South Africa Branch