Retail

Bundle Pricing Options

2022 2023 % Increase

Account Maintenance Fees:

Platinum Unlimited Pricing Option 230 244 6.09%

Gold Unlimited Pricing Option 115 122 6.09%
Smart Value Bundle Pricing Option 65 68.50 5.38%
Student Unlimited Pricing Option 21 22 4.76%

Pricing Includes: Platinum unlimited Gold unlimited Smart Value Bundle Student unlimited

Payments

FNB ATM, FNB APP, Online Banking,

Cellphone Banking FREE FREE Not Included FREE
Scheduled Payments FREE FREE Not Included FREE
Internal Debit Order FREE FREE FREE FREE
External Debit Order FREE FREE FREE FREE
eWallet Send money* 7 FREE 5 FREE 3 FREE 2 FREE
Local Card Purchases FREE FREE FREE FREE

Prepaid Purchases
FNB ATM, FNB APP, Online Banking,
Cellphone Banking FREE FREE FREE FREE
Cash Withdrawals @ FNB ATMs* 6,000 FREE 4,000 FREE 2,000 FREE 1,000 FREE

Linked Account Transfers

FNB ATM, FNB APP, Cellphone Banking,

Online and Scheduled Transfers FREE FREE FREE FREE
In-Contact FREE FREE FREE FREE

*Out of bundle to be charged using Retail Pay as you Use (PAYU) Rates
No changes made on Bundle Pricing

Bothebelele Pricing
2022 2023 % Increase
Account opening fee FREE FREE 0%
First card issuance FREE FREE 0%
Monthly Management Fee FREE FREE 0%

Cash Withdrawals
ATM 1 free withdrawal 1 free withdrawal 0%
Subsequent withdrawal per M500 5.60 5.60 0%

Cash Deposit
ADT FREE FREE 0%
Branch 1.20% 1.20% 0%
Balance Enquiry FREE FREE 0%

POS swipes* 1 free swipe and 3 free 1 free swipe and 3 free 0%
cash out payments monthly cash out payments monthly

*Out of bundle to be charged using Retail Pay as you Use (PAYU) Rates

Pay as You Use pricing Option

Monthly Account Fees

PAYU
Smart 12.50 13.25 6.00%
Smart Gold 65.00 68.90 6.00%
Gold 78.00 82.50 5.77%
Platinum 130.00 137.00 5.38%
Non Resident 78.00 82.50 5.77%

Other
Future Forward FREE FREE 0.00%
Money Market 33.00 33.00 0.00%

Cash Deposits

Branch 1.20% 1.20% 0.00%

New Base fee 0.00 20.00 100.00%
ADT 1st Deposit FREE 1st Deposit FREE No change
(Maximum 3000.00) (Maximum 3000.00)
Thereafter 1.00% 1.00% 0.00%

Cash Withdrawals

Branch - Base Fee 47.50 50.00 5.26%

Rate 0.65% 0.68% 4.62%
FNB ATM per M500 5.60 5.60 0.00%
Cardless Cash Withdrawal per M500 5.60 5.60 0.00%
Cash at Till 3.80 4.00 5.26%
Other Local Bank's ATM 40.00 42.50 6.25%
International ATM 60.00 63.00 5.00%

Payments
Cellphone ,ATM App, Internet & Scheduled 9.00 9.50 5.56%

Branch 157.00 165.00 5.10%

Lesotho wire (RTGS) 20.00 20.00 0.00%
Stop payments - Branch 73.00 73.00 0.00%
Stop payments - Online Banking 5.50 5.50 0.00%

Transfers
Cellphone and ATM 5.50 FREE -100.00%
App, Internet & Scheduled FREE FREE 0.00%
Branch 157.00 165.00 5.10%

Debit Orders
External Debit Orders 23.80 23.80 0.00%
Internal Debit Orders 5.50 5.80 5.45%

Purchases
Card Purchases
Local 3.50 3.50 0.00%
International: 9.00 + 1% 9.00 + 1% 0.00%

Prepaid Purchases

Airtime
Cellphone ,ATM, App, Internet 2.40 2.50 4.17%

Electricity
Cellphone , ATM, App, Internet, 6.30 6.65 5.56%

eWallet

Send Money 20-5 000 : 12.00 20-100 7.00 -41.67%

101-500 10.00 -16.67%
501-1000 13.00 8.33%
1001-5000 15.00 25.00%

Cash Withdrawal (1st Withdrawal at ATM) FREE FREE 0.00%

Cash Withdrawal (Subsequent
Withdrawals) per M500 6.00 6.00 0.00%
Balance Enquiry FREE FREE 0.00%
Prepaid Airtime FREE FREE 0.00%
Prepaid Electricity 6.30 6.65 5.56%
Dormancy Fee 5.50 5.80 5.45%
eWallet Reversal Fee 10.50 11.00 4.76%
Mini Statement FREE FREE 0.00%
Statements
ATM Mini 4.30 4.55 5.81%
Bothebele ATM Mini FREE FREE 0.00%
Branch 10.00 per page 10.00 per page 0.00%
Provisional 10.00 per page 10.00 per page 0.00%
Posted 19.00 19.00 0.00%
Emailed FREE FREE 0.00%
Balance Enquiries
Branch 10.50 11.00 4.76%
Electronic (Cellphone , ATM App, Internet) FREE FREE 0.00%
Local POS 3.05 3.20 4.92%
International POS 12.15 12.85 5.76%
Other Local Bank's ATM 9.50 10.00 5.26%

Scheduled Payments Related Fees

Establishment Fee
Scheduled Payments Related Fees FREE FREE 0.00%
Amendment Fee FREE FREE 0.00%

Payment Notifications
Account Holder
Email FREE FREE 0.00%
SMS FREE FREE 0.00%
Fax FREE FREE 0.00%
Third Party
Email 1.10 1.15 4.55%
SMS 1.75 1.85 5.71%
Fax 7.50 7.90 5.33%

Penalty Fees
Unpaid fee 40.00 40.00 0.00%
Local POS fee 18.00 19.00 5.56%
Other Local Bank's ATM 18.00 19.00 5.56%
International POS 18.00 19.00 5.56%
International ATM 18.00 19.00 5.56%
Failed Scheduled Payment 18.00 19.00 5.56%
Card Replacement 116.00 123.00 6.03%
Pin Replacement 50.00 53.00 6.00%

Cash Plus

Cash Out (from account & ewallet)

Less than M100.00 2.50 2.50 0.00%
M100.01 - 500.00 5.00 5.00 0.00%
M500.01 - 1,000.00 7.50 7.50 0.00%
M1000.01 - 2,500.00 10.00 10.00 0.00%
M2,500.01 - 5,000.00 11.50 11.50 0.00%

Cash In
Up to M5,000.00 FREE FREE 0.00%

Prepaid Purchases
Electricity FREE FREE 0.00%
Airtime FREE FREE 0.00%

Lending and Trade Services

Overdrafts Establishment fee 1.50% of the facility with a 1.50% of the facility with a 0.00%
minimum of 250 minimum of 250
Personal Loans
Establishment fee 1% of the facility with a 1% of the facility with a 0.00%
maximum of 300 maximum of 300
Monthly Fee 10.00 10.00 0.00%
Early Settlement Fees FREE FREE 0.00%

Home Loans
Establishment fee 1% of the facility with a 1% of the facility with a 0.00%
maximum of 5,000 maximum of 5,000
Monthly Fee 5.70 5.70 0.00%
Early Settlement Fees FREE FREE 0.00%

WesBank
Monthly Service Fee 10 10 0%

Establishment fee 1% of the facility with a 1% of the facility with a 0%

maximum of 4000 maximum of 4000
Early Settlement Fees FREE FREE 0.00%
Reload Fee 750 750 0%
Telephone Charges (For Arrears Collection) 10 10 0%
Statements
Postage Fee 20 20 0%
E-mailed Statement 0 0 0%
Provisional Statement FREE FREE 0%
Amortization Schedule 0 0 0%

Investment Accounts - Early

redemption fees
Less than M500 50.00 50.00 0.00%
Between M500 and M999.99 100.00 100.00 0.00%
Between M1,000.00 and M9,999.99 250.00 250.00 0.00%
Between M10,000.00 and M100,000.00 750.00 750.00 0.00%
Greater than M100,000.00 1000.00 1000.00 0.00%

Value Add Services

POS honouring fees
M0-M200 25.00 25.00 0.00%
M200+ 200.00 190.00 -5.00%

Debit order honouring Fees

M0-M200 25.00 25.00 0.00%
M200+ 200.00 190.00 -5.00%
Account Confirmation Letter FREE FREE 0.00%
Business
Business and Corporate Segments
Transaction 2022 2023 % Increase

Bundle

Single Fee Pricing Option (SFPO) for SMEs

Transaction Type 2022 SFPO 2023 SFPO % Increase

Account Maintenance Fee 249.00 264.00 6.02%

Pricing includes
Electronic Debit Transactions*# 20 FREE 20 FREE 0%
FNB ATM Transactions (Included in Free Transactions)*# 10 FREE 10 FREE 0%
ADT Deposits# 40,000 FREE 40,000 FREE 0%
eWallet - Send money# 5 FREE 5 FREE 0%
Card Purchases Included Included 0%
Prepaid Purchases Included Included 0%
#Out of bundle to be charged using Pay as you Use (PAYU) Rates below

Out of Bundle Charging

ADT Cash Deposits 1.00% 1.06% 6.00%
Electronic Debits (per item charging) PAYU PAYU 0.00
FNB - ATM and Card Purchases per 500 6.50 6.90 6.15%

eWallet - Send Money 12.00 20-100 7.00 -42%

101-500 10.00 -17%
501-1000 13.00 8%
1001-5000 15.00 25%
* Electronic Debit Transactions include: Electronic Payments & Transfers; Internal & External Debit Orders; and Prepaid & Card Purchases

Monthly Account Fees

PAYU
Business 147.00 155.00 5.44%
Money Market 73.00 77.00 5.48%
Corporate 173.00 183.00 5.78%

Cash Deposits

Turnover 0-250K p.a.

3 Deposits FREE 3 Deposits FREE 0.00%

(Maximum 20,000.00) (Maximum 20,000.00)
Subsequent Deposits
Branch 0.50% 0.50% 0.00%
ADT 0.50% 0.50% 0.00%
Turnover over 250 K
Branch 1.60% 1.70% 6.25%
Minimum 45.00 47.00 4.44%
ADT 1.00% 1.06% 6.00%

Cash Withdrawals
Branch-Base Fee 55.00 58.00 5.45%
Rate 0.80% 0.85% 6.25%
FNB ATM per M500 6.50 6.90 6.15%
Cardless Cash Withdrawal per M500 6.50 6.90 6.15%
Cash at Till 3.80 4.00 5.26%
Other Local Bank's ATM 40.00 42.00 5.00%
International ATM 60.00 63.00 5.00%

Payments
Cellphone and ATM 12.00 12.00 0.00%
App, Internet & Scheduled 12.00 12.00 0.00%
Branch 157.00 165.00 5.10%
Stop Payments - Branch 73.00 73.00 0.00%
Stop payments - Online Banking 5.50 5.50 0.00%

Transfers
Cellphone and ATM 5.50 FREE -100.00%
App, Internet & Scheduled FREE FREE 0.00%
Branch 157.00 165.00 5.10%

Debit Orders
External Debit Orders 23.80 23.80 0.00%
Internal Debit Orders 5.50 5.80 5.45%

Purchases

Card Purchases

Local 3.50 3.50 0.00%

International 9.00 + 1% 9.00 + 1% 0.00%

Prepaid Purchases
Airtime
Cellphone, ATM App, Internet & Scheduled 2.40 2.50 4.17%

Electricity
Cellphone, ATM App, Internet & Scheduled 6.30 6.65 5.56%

eWallet
Send Money M20-M5 000 : 12.00 1-100 7.00 -41.67%
101-500 10.00 -16.67%
501-1000 13.00 8.33%
1001-5000 15.00 25.00%
Cash Withdrawal per M500 6.00 6.00 0.00%
Balance Enquiry FREE FREE 0.00%
Prepaid Airtime FREE FREE 0.00%
Prepaid Electricity 6.30 6.65 5.56%
Dormancy Fee 5.50 5.80 5.45%
eWallet Reversal Fee 10.50 11.00 4.76%
Mini Statement FREE FREE 0.00%

Statements
ATM Mini 4.30 4.55 5.81%
Branch 10 per page ;Max 60 10 per page ;Max 60 0.00%
Provisional 10 per page ;Max 60 10 per page ;Max 60 0.00%
Posted 19.00 19.00 0.00%
Emailed FREE FREE 0.00%

Balance Enquiries
Branch 10.50 11.00 4.76%
Electronic FREE FREE 0.00%
Local POS 3.05 3.20 4.92%
International POS 12.15 12.85 5.76%
Other Local Bank's ATM 9.50 10.00 5.26%
Scheduled Payments Related Fees
Establishment Fee FREE FREE 0.00%
Amendment Fee FREE FREE 0.00%

Payment Notifications

Account Holder
Email FREE FREE 0.00%
SMS FREE FREE 0.00%
Fax FREE FREE 0.00%

Third Party
Email 1.10 1.15 4.55%
SMS 1.75 1.85 5.71%
Fax 7.50 7.90 5.33%

Penalty Fees
Unpaid Fee 150.00 140.00 -6.67%
Local POS 18.00 19.00 5.56%
Other Local Bank's ATM 18.00 19.00 5.56%
International POS 18.00 19.00 5.56%
International ATM 18.00 19.00 5.56%
Failed Scheduled Payment 18.00 19.00 5.56%
Card Replacement 116.00 123.00 6.03%
Pin Replacement 50.00 53.00 6.00%

Lending and Trade Services

Local guarantees 2% per 6 Months 2% per 6 Months 0.00%
Foreign guarantees 2% per 6 Months 2% per 6 Months 0.00%
Overdrafts - Establishment fee 1.00% 1.00% 0.00%
Term loans - Establishment fee 1.00% 1.00% 0.00%
Monthly Fee - Term loans 10.00 10.00 0.00%
Monthly Fee - Commercial Property Finance 5.70 5.70 0.00%
Commercial Property Finance - Establishment fee 1.00% 1.00% 0.00%

WesBank
Monthly Service Fee 35 35 0%

Processing Fee
%Retail
of Cash Price
Clients 20221% 20231% 0%
% change
Minimum 4,500 4,500 0%
Reload Fee 750 750 0%
Telephone Charges (For Arrears Collection) 10 10 0%

Statements
Postage Fee 20 20 0%
E-mailed Statement 0 0 0%
Provisional Statement Free Free 0%
Amortization Schedule (Auditors) M 200.00 M 200.00 0%

Value Add Services

Honouring fees
M0-M200 25.00 25.00 0.00%
M200+ 200.00 190.00 -5.00%
Queries
Less than 1 Month 0.00 0.00 0.00%
Less than 3 Months 5.50 5.80 5.45%
Less than 6 Months 8.25 8.70 5.45%
More than 6 Months 11.00 11.60 5.45%

Bank Reports
Bank Code request 63.00 66.50 5.56%
Full General Report 78.00 82.50 5.77%
Certificate of Balance 36.50 38.50 5.48%
Auditors Report 190.00 201.00 5.79%
Account/Bank Confirmation Letter 10.00 10.00 0.00%
Support Letter 23.00 24.00 4.35%
Account in Excess Report (Less than 50,000) Pro rata of Establishment Pro rata of Establishment 0.00%
Establishment Fee Fee
Base Fee 525.00 555.00 5.71%
Account in Excess Report (Greater than 50,000) Judgemental Judgemental 0.00%

Extension of Facility period

Establishment Pro rata of Establishment Pro rata of Establishment 0.00%

Fee Fee
Base Fee 525.00 555.00 5.71%

Retrieval of Records
Less than 3 Months per request 36.75 38.80 5.58%
Older than 3 Months per request 115.00 121.00 5.22%

Mandates and Special Signing arrangeents

Full General Powers (F16B) 0.00 0.00 0.00%
Actions in terms of General Power of Attorney 0.00 0.00 0.00%
Supplementary powers (F25 supp) per signature change 14.70 15.50 5.44%

Cash Conversions
Coins to notes
Prepacked FREE FREE 0.00%
Unsorted FREE FREE 0.00%

Coin Deposit
Handling Fee: prepacked FREE FREE 0.00%
Handling Fee: unsorted FREE FREE 0.00%

Other Fees
Photocopying per page 14.70 15.50 5.44%
Manual Instruction Payments: Local 115.00 121.00 5.22%
Manual Instruction Payments: Cross Border 170.00 179.00 5.29%

Foreign Exchange Product House

Global Payments

Inward Swift (Receiving Money)

Commission 0.25% of Maloti Value 0.25% of Maloti Value 0.00%
SWIFT Fee Min. 75 75 0.00%
Max. 1580 1580 0.00%
Outward Swift (Sending Money)
Commission 0.75% of Maloti Value 0.75% of Maloti Value 0.00%
SWIFT Fee Min. 260 260 0.00%
Max. 1800 1800 0.00%
Outward Swift (CMA >100k) 65 65 0.00%

Foreign Notes

Customers Buying – Bank Selling

Commission 3.37% of Maloti Value 3.37% of Maloti Value 0.00%
Minimum Charge 80 80 0.00%
Maximum Charge No Maximum Value No Maximum Value 0.00%

Customers Selling – Bank Buying

Commission 2.1% of Maloti Value 2.1% of Maloti Value 0.00%
Minimum Charge 80 80 0.00%
Maximum Charge No Maximum Value No Maximum Value 0.00%

Customers Foreign Currency Accounts

Transfer (between Accounts) FREE FREE 0.00%
Global Payments (Sending Money) 5 Base currency per 5 Base currency per 0.00%
transaction transaction
Global Payments (Receiving Money) 5 Base currency per 5 Base currency per 0.00%
transaction transaction
Monthly Account Fee FREE FREE 0.00%
Transaction Charges 5 Base currency per 5 Base currency per 0.00%
transaction transaction
Foreign Exchange Control

All Exchange Control Applications

Applications (per application) 1670 1670 0.00%
Urgent and/or complex applications N/A N/A 0.00%
Attestations & Follow-ups 16 16 0.00%

Customer Queries
Up to 3 months old FREE FREE 0.00%
Older than 3 months 105 105 0.00%
Stop Payments 105 105 0.00%
Return of funds wrongly addressed to us 105 105 0.00%
Payment amendments 105 105 0.00%
Recall of funds already processed 105 105 0.00%

Trade Services
Export Letters of Credit
Advising Fee 315 315 0.00%
L/C collected to negotiate at another bank 525 525 0.00%
Amendment 525.00 + SWIFT charge 525.00 + SWIFT charge 0.00%
SWIFT 65 65 0.00%
Courier Actual Cost Actual Cost 0.00%
Negotiation 0.50% 0.50% 0.00%
Assignment of proceeds 0.75% 0.75% 0.00%
Expired Unutilized Fee 210 210 0.00%
Confirmation Fee (dependent on perceived 315 315 0.00%
bank & country risk)
Foreign Bills (Imports & Exports)
Commission 0.50% of value 0.50% of value 0.00%
Minimum Charge 125 125 0.00%
Maximum Charge 1350 1350 0.00%
SWIFT 65 65 0.00%
Duplicate Documents 105 105 0.00%

Import Letters of Credit

Establishment 0.8% per 3 months 0.8% per 3 months 0.00%
Minimum Charge 685 685 0.00%
SWIFT 230 230 0.00%
Amendment 525 525 0.00%
Discrepant documents 525 525 0.00%