First National Bank of Botswana Pricing Review

[Pages:1]First National Bank of Botswana Pricing Review

Revised tariff guide of frequently used services

01 April 2021 All prices are inclusive of VAT (14%).

Retail tariff guide

(A) ACCESSIBILITY FACILITATION CHARGES

(i) Cash Withdrawals Cash @ Till FNB ATM/ Cardless withdrawal / Mini ATM Cash Withdrawal

Other Banks ATM

International ATM Withdrawal (Cash Advance) (ii) FNB Branch Flat (Over The Counter withdrawal) Cash handling fee (per P100) (iii) Debit Card Purchases Card Purchases Local Card Purchases International (iv) Internet Banking Outward telegraphic transfers - RTGS Detailed balance enquiries (v) Linked Account Transfers FNB (Electronic) - ATM, Online, Cellphone, Tel. & Scheduled FNB Branch (vi) Payments App Payment, ATM, Online Banking Cell Payment (Other) Internal Debit Order External Debit Order Cheque Payment FNB Branch Stop Payments - Branch Stop order to other banks (International) (vii) Scheduled Payment Related Fees Establishment and Amendment (App and Online Banking) Establishment (FNB Branch) Amendment (FNB Branch) (viii) Prepaid Purchases Airtime Electricity (ix) Balance Enquiries Electronic (FNB ATM, Online Banking, Cellphone) Other Bank's ATM POS Branch - Interim Bank statement (x) Statements Branch Interim Bank Statement Current Month E-mailed Statement Posted Statement Provisional Statements Historical Branch Statements Cellphone Statements Copies of Deposit Slips Incomplete deposit slip Additional Statements Daily Weekly Bi-Monthly (xi) Convenience and Value Adds Send Money using eWallet (xii) Payment Notifications E-mail SMS Fax (B) INVESTMENT / INTERMEDIATION CHARGES (i) Term Deposits - Consumer *2% of the balance over the remaining period to maturity. Early redemption fees should not be deducted from the principal. In the event that the 2% interest penalty is larger than the interest earned, the Balances Penalty 50.01-200.00 200.01-1,000.00 1,000.01-10,000.00 10,000.01-100,000.00 100,000.01-500,000 500,000.01+ (ii) Current Accounts Pay-As-You-Use (PAYU) Monthly Account fee Smart Gold FNBy FNBy NEXT Bundled Pricing Monthly Account fee Smart Gold Platinum Private Clients (iii) Savings Accounts FUTURE SAVE Monthly Account Fees Minimum Account Balance Minimum Account Balance for Fee Rebate Free Transactions Fee per Transaction thereafter FUTURE FORWARD Monthly Account Fees Minimum Account Balance Minimum Account Balance for Fee Rebate Free Transactions Fee per Transaction thereafter POLOKO Monthly Account Fees Minimum Account Balance Minimum Account Balance for Fee Rebate Free Transactions Fee per Transaction thereafter OTHER PRODUCTS MONTHLY MAINTENANCE FEE Staff Student Islamic Non-Resident Free Banking

P 2.54 Up to P500 = P2.60 Above P500 = P5.09 Up to P500 = P7.68 Above P500 = P10.18

P 27.58

P 30.54 P 0.28

P 0.00 P 7.02

P 59.54 P 6.31

P 3.66 P 50.89

P 3.77 P 4.89 P 3.77 P 6.87 P 7.84 P 6.62 P 146.57 P 142.50

Free P 12.98

P 3.66

Free P 2.29

Free P 5.95 P 2.80 P 7.53

Free Free P 6.87 P 27.63 P 2.04 P 27.48 P 14.61

P 77.15 P 25.75 P 12.88

P 9.82

Free P 0.26 P 3.04

P 53.44 P 106.88 P 267.19 P 800.04 P 1,101.32 Negotiable

P 13.54 P 18.83

P 7.63 P 10.18

P 36.64 P 68.09 P 148.61 P 254.46

P 6.11 P 100.00 P 103.50

2 Free P 11.30

P 0.00 P 50.00

P 0.00 4 Free P 6.41

P 0.00 P 500.00

P 0.00 1 Free P 35.63

P 0.00 P 6.11 P 18.83 P 18.83 P 18.83

(iv) Deposits Cash Deposit at ATM ad val per P 100 Cash Deposit at Branch ad val per P 100 Cheque Deposit Branch and ATM (v) Foreign Currency Accounts -Personal Monthly maintenance Minimum Account Balance Monthly bank statements

Interim bank statements Copies of old bank statements Over-the-counter cheque deposits Dormant account charges South Africa Rand (ZAR) United States Dollars (USD) British Pounds (GBP) Euro (EUR) Amendments (incoming SWIFT transfers) Amendments (outgoing SWIFT transfers) South Africa Rand (ZAR) United States Dollars (USD) British Pounds (GBP) Euro (EUR) Other *** Deposit of foreign cash Withdrawals in Foreign Currency Withdrawals in Pula Incoming SWIFT transfers:

- Minimum - Maximum Transfer to other banks by SWIFT, Telex or drafts, & travellers cheques (per transaction) South African Rand: - Minimum - Maximum British Pound: - Minimum - Maximum United States Dollars: - Minimum - Maximum Euro: - Minimum - Maximum Note: All fees are based on Pula value of the exchange and are inclusive of VAT at 12%. (vi) Advances/Loans Personal Loans: First Loans Application Processing/Arrangement/facility Fee - Minimum - Maximum Insurance administration Early repayment penalty First Funding Easy Loan Processing/Arrangement/facility Fee - Minimum - Maximum Home Loans Tender letter/Agreement in principle FNB Customers Non FNB Customers Assessment fee Copy of title deed requests Copy of bond requests Processing/Arrangement - Minimum - Maximum Penalty Fees: unpaid cheque WesBank Documentation fee (Loan processing) - Minimum - Maximum Legal fees: Repossessions release Handling fee for sold repossessions Storage and insurance per agreement Valuation fee Cross border deals per agreement Document fee Arrears letter Statement copies sent to auditors Issuing of cheque for refund to non-FNB Issuing cheque for refund to FNB Cross border authority letter Change of Ownership Final letter of settlement Faxing of copies of documentations Emailing of statements Overdrafts: Authorised facility arrangement - Minimum - Maximum Excess notice: - Minimum - Maximum Renewal of facility - Minimum ITC enquiry CRB (vii) Credit Cards Joining ? Application/Administration Fee ANNUAL CARD FEES Classic Card Gold card Platinum card Private Clients card

P 0.41 per P100

P 5.09+P 0.41 per P100 FREE

N/A N/A Free P 6.87 P 27.63 Free

R 128.76 $32.06 ? 19.34 25.45

R 105.86 $ 26.46 ? 13.23 20.36

3.40% 3.40%

Free 0.26% of Pula value

P 101.79 P 407.14

0.36% of amount R 134.36 R 610.71

0.35% of amount ? 12.98 ? 52.41

0.36% of amount $15.27 $65.14

0.35% of amount 5.19

45.29

P 66.16 1.27%

P 610.71 P 4,682.14

Free Free

1.30% P 288.39 P 3,808.86

P 26.29 P 65.14 P 65.14 P 65.14 P 65.14

1.10% P 665.57 P 101,785.71

P 0.00

0.86% P 921.16

0.86%

P 134.36 P 632.09 P 229.53 Third Party fees P 2,468.30 P 1,832.14

P 13.23 P 36.64 P 36.64

Free P 13.49 P 13.49 P 13.49 P 20.87

Free

1.27% P 652.95 P 50,892.86

P 42.24 P 103.04

1.14% P 630.87

P 14.76 P 5.78

P 99.24

P 142.50 P 200.52 P 229.02 P 247.34

Other: Additional Authorized User Voucher retrieval per voucher already paid Card replacement Fee Card Replacement Fee When Expired Branch Copy of history statement Cash withdrawal: Own ATM Other local ATM International ATM Declined transaction Branch over the counter cash withdrawal: Own bank Other local bank International bank:

- Minimum - Maximum Point of Sale purchases: Own bank Other Local bank International bank Lost card protection insurance (Annual) Outstanding balance on credit card insurance Fee for where balance is Over the limit - Minimum - Maximum Balance enquiry: Own ATM Other local ATM International ATM Interim bank statement Impound credit card: Mini statement International Local Introduction letter for international bank Other*** Monthly statement Impound card fee ? Fax charges Unpaid Cheque/Debit Order Stop order Self select PIN

(C) TRADE FACILITATION CHARGES (i) Foreign Exchange Charges Local SWIFT bank transfer Outwards

- Minimum - Maximum International SWIFT bank transfer - Minimum - Maximum International SWIFT bank transfer (Online) - Minimum - Maximum Purchase of foreign notes - Minimum Sale of foreign notes - Minimum - Maximum Bills negotiated and returned unpaid Foreign cheque Inward SWIFT bank transfer - Minimum - Maximum Draft request to stop SWIFT cable cost Other*** Inward foreign transfers - Minimum - Maximum (ii) Letters of Credit (inward - exports) Advising commission Confirming commission - Half yearly charge

- Minimum - Maximum Negotiation of documents Amendments (other than extensions) Cancellation - If approved by beneficiary Extension of tenure - Minimum - Maximum Document examination Other** Payment and /or negotiation - Minimum - Maximum (iii) Letters of Credit (Outward - imports) Establishment of letter of credit (Sight) - Half yearly charge - Minimum - Maximum Establishment of letter of credit (Standard) - Half yearly charge - Minimum - Maximum Establishment of letter of credit (Deferred) - Half yearly charge - Minimum - Maximum SWIFT cost on establishment (Cable costs) Extension or renewal of letter of credit - Minimum - Maximum Increase of amount of letter of credit - Minimum - Maximum

P 142.50 P 0.00

P 91.71 P 91.71 P 33.59

P 7.33 P 10.43 P 47.84

P 4.17

P 34.61 P 0.00

P 64.13 2.54%

Free Free Free P 34.61 0.16% of revolving balance

P 92.63 3.05%

P 0.00 P 4.17 P 4.17 P 7.33

P 0.00 P 0.00 P 0.00 P 0.00

Free P 0.00 P 218.84 P 13.23

Free

0.33% of Pula value P 73.29

P 356.25 0.33% of Pula value

P 106.87 P 442.77 0.25% of Pula value

P71.25 P325.71 3.1% of Pula value P 18.83 3.1% of Pula value P 18.83 P 63.62

P 0.00 0.36% P 37.15 P 183.21

P 134.87

0.27% of Pula value P 98.22

P 407.14

P 264.64 0.51% of the Pula value per 6 months opt

P 412.23 P 8,295.54

P 137.41 P 681.96 0.56% of the Pula value P 422.41 P 6,056.25

0.25% of the Pula value P 353.20

P 8,550.00

0.56% of Pula value

P 440.22 P 8,600.89 0.56% of Pula value

P 440.22 P 8,600.89 0.71% of Pula value

P 427.50 P 8,499.11

P 135.38 0.56% of Pula value

P 468.21 P 5,903.57 0.59% of Pula value

P 452.95 P 7,735.71

Drawing commission on letter of credit - Minimum - Maximum

Amendment of letter of credit Couriering of documents Revolving and standby letter of credit

- Minimum - Maximum Cancellation - If approved by beneficiary Document checking Overseas bank charges are for the accounts of the applicant. All fees based on the Pula value of the exchange (iv) Foreign Bills (collection charges) Outward collection handling Documentary bills Clean bills Inward collection handling Documentary bills Extension after maturity Cable charges (v) Bonds/Guarantees/Indemnities Guarantees: Shipping guarantees(bill of lading Indemnities) Establishment Quarterly commission Increase of amounts Extension of tenure - Minimum Amendment (vi) Property Guarantees: Establishment fee Subsequent Commission on guarantee Extension of tenure - Minimum Amendment Assessment fee (vii) Other Guarantees: Establishment fee Other*** Every subsequent 6 month period Amendments commission (viii) Bonds: Performance/Tender Bonds Establishment: - Minimum - Maximum

Quarterly commission Amendments commission

(D) PAYMENT AND CLEARING CHARGES (i) Cheque Book Forms Standard cheque book: 20 to 50 pages Vetting of Privately printed cheque books/forms Issue of bank cheque-per cheque leaf: (ii) Deposit Books 20 to 50 pages 50 to 100 pages 101 and Above (iii) Account Services Certificate of Balance Audited info provided Paypal Withdrawal Service (iv) eWallet Withdrawal, Cashback@POS, @POS Purchase with Cashback 1st transaction Subsequent transactions ewallet Reversal Electronic Branch Pre Paid purchases Airtime Electricity Balance enquiry Monthly fee Dormancy fee (v) Penalty/Other Fees Unpaid Cheque Unpaid Debit Order Honouring Fee ( Charged per item in excess of your account limit) Inward Unpaid Item Deposit of Post-Dated Cheque Card Replacement Fee - Chip and Pin POS Declined Transaction Fee Failed Scheduled Transaction - Online/Electronic

(E) CASH PLUS eWallet Withdrawal 1st transaction Subsequent transactions Cash out of FNB Account/eWallet P 25 - P 125 P 126 - P 250 P 251 - P 500 P 501 - P 1 000 P 1 001 - P 2 000 P 2 001 - P 5 000 Cash Deposit into FNB Account Prepaid Electricity Purchase Prepaid Airtime Purchase

0.26% of Pula value P 75.32

P 452.95 P 135.38 P 116.54 0.71% of the Pula value P 483.48 P 8,600.89 P 702.32 P 519.11

P 122.14 P 305.36

0.31% P 91.61 P 290.09 P 152.68 Prime + Margin

1.14% 0.61% 1.14% 1.14% P 488.57 P 285.00

1.18% 0.59% 0.61% 1.18% 1.18% P 483.48 P 285.00

1.20%

0.61% P 234.11

1.21% P 534.38 no max dependent on value of bond

n/a P 234.11

P 55.98 P 151.15

P 76.00

Free Free Free

P 62.09 P 340.98

1.63%

Free P 1.12

P 2.19 P 10.69

Free P 2.29

Free Free P 5.80

P 280.93 P 159.80 P 127.23

Free P 40.71 P 75.32

P 5.09 P 5.09

Free P 1.12

P 4.07 P 6.11 P 10.18 P 15.27 P 25.45 P 50.89 P 0.31 per P 100

Free Free

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