FNB Account Fees (2025)

South Africa’s oldest banking institution, the First National Bank (FNB) is also one of the largest and most renown banks on the continent. This bank is one of the most established in the country. FNB accounts are popular with business owners, workers and students.

This bank has operations all over the country, as well as in the southern African region. The banks operations also span across east and west Africa.

FNB account fees are usually small and affordable, largely because the bank has a large customer base, and does not need to burden individual clients with large fees. As a result of these minimal fees, even more clients are attracted to the bank.

There are several types of FNB accounts; and the various accounts have different fees attached to them. With normal usage, these accounts may not accumulate monthly charges, but it is still important to remember that charges may still occur with the use of extra services.

FNBy

Basic fees: R0.00 per month.

Zero fees for FNB ATM and in-branch cash deposits of up to R500 per month.

FNB Pay (mobile app for android, apple and Microsoft) free for transactions to Apple Pay, Google Pay, Samsung.

No charge on subscription to all digital channels and zero data charges when using the FNB App

Free card swipes.

FNB Easy Zero Account

R0.00 Per Month for deposit of R1000

Free to view all transactions, balances, and statements from the comfort of your homes using FNB’s digital solutions.

No transactional fees apply to your savings account

Sending money from your FNB Easy Zero™ account to eWallet: R10

Withdraw cash from an FNB ATM R10 per R1 000 up to R1 000; after that R14 per R1 000

Withdraw cash from non-FNB ATMs R12 + R2.60 per R100

AgencyPlus cash withdrawal are only: R5 per R1000

Deposit cash at FNB ATM No charge up to R1 000 per month; after that R1.60 per R100

Balance enquiries Using mobile and online: free.

Point-of-sale: R2.00

Other banks’ ATMs, or telephone banking (consultant assisted) R8.50

Printing of statements (ATM with deposit facilities) R4.25 (per page)

DStv payments (applicable to Buy tab) R7

FNB Easy Account

ATM Cash withdrawals: (local) R5 per R1 000 No charge up to R2000. After that, R1.50 Cash@Till and R2.60 per R100 at FNB ATM.

Cardless cash withdrawals – – –

Cash withdrawals (international): – R80 (additional 2% commission and conversion fees apply) R80 + R3.20 per R100 (additional 2% commission and conversion fees apply)

Transaction type

Digital banking: (FNB App, Online, USSD, Email)

FNB ATM + FNB ATM with deposits Assisted banking (FNB Branch, telephone banking)

Statements

(current month and historical statements) No charge. However, Printing is R4.25 per page

Printing and emailing: R52 per statement

Historical statements No charge – –

Assisted banking (FNB Branch or telephone banking)

Prepaid purchases

Prepaid airtime purchases (FNB App and online) R0.50 per purchase.

Prepaid purchases (other banks ATMS) cost R15

Buy Lotto TM and PowerBall tickets cost a fee of R2.70

Prepaid electricity: transactions less than R75 attract a fee of R0.50

Purchases greater than R150 will attract a fee of R1.50

DStv payments will attract a fee of R7.00

Daily Lotto purchases attract R1

FNB Aspire Account

This account is popular among people who have to manage families or businesses, and have to incur regular expenses. These are the fees:

Basic fees: R115 Per Month.

Various card options:

Fusion Aspire R115 Per Month.

Aspire Debt: R115 Per Month.

Aspire Credit: R55 Per Month.

Islamic Aspire account R115 Per Month.

Transaction type AgencyPlus Cash@Till® FNB ATM and FNB ATM with deposits

Other Banks’ ATMs (incl. international) Assisted banking

FNB Branch (incl. international) Cash withdrawals: (local) R5 per R1 000 free for transactions up to R3000 thereafter R1.50 Cash@Till and R2.60 per R100 at FNB ATM, and R12 + R2.60 for transactions up to R100.

Cardless cash withdrawals

R5 for every R1 000, or transactions amounting to R1,000.

Cash withdrawals (international) R80 (additional 2% commission and conversion fees apply)

R80 + R3.20 for every R100 (additional 2% commission and conversion fees apply)

Transaction type AgencyPlus Deposit@TillTM

FNB ATM with deposits Other Banks’ ATMs (incl. international) Assisted banking

FNB Branch (incl. international)

Cash deposits R5 per R1 000 R19.95

No charge up to R3 000 per month, and after that; R1.60 for every R100.

Transaction type

Digital banking (FNB App, online banking, cellphone banking and email)

Assisted banking (FNB Branch or telephone banking)

transfers to Linked account: free up to R80

Payments: No charge up to R80

Current month statements free for Printing and emailing

R52 per statement Printing R4.25 per page

Historical statements No charge – –

Premier Account

This account is popular among high net worth individuals, and comes with services that allow clients to manage large funds, as well as various investment opportunities.

Basic charges: R240 Per Month

Premier current account: 260 Per Month.

Premier Islamic account: 260 per month.

Fusion premier account with spouse: 120 per month

FNB Global Account Virtual Card: free

Annual card fee: £20 $25 € 23

Virtual card fee: No charge

Card swipes and international online card payments: free without charge

International ATM withdrawal: £3 $5 € 4

Card replacement (lost, stolen or damaged) £9 $12 €10

Balance enquiry £0.35 $0.50 € 0.40

Insufficient funds fee (ATM and point-of-sale transactions) £0.50 $0.80 € 0.60

Currency conversion (when a specific currency card is used in a different currency zone)

Account transfer (free of charge)

Account transfer out: R135

Internal transfer: free of charge

Investments

Portfolio move: in No charge

Portfolio move: out R100

Transaction fees

Transfers No charge R80

Payments R8.50 R80

Share removal (per instruction) R1 to R50 000 Normal R990

Fast Track: R1 650

R50 000 to R2 000 000 attracts a fee of R1 550

Transactions of R2 000 000 and more: R2 650

How to Open a Business Account with FNB

If you are an entrepreneur and need to be on top of your business’ finances at all times then you have to check out the various FNB business category accounts designed to help grow business.

To open a business account with FNB you can just go online to the banks’ website and register. You can just provide your personal information, as well as information about your business. After providing these details please go to any branch of the bank in your city to continue the process.

You will be guided about the type of account most suitable to your business, and also to your finances.

Please take your identity documents, proof of residence, certificate of incorporation, and so on. When you get to the bank tell them that you have already started the registration process online.

Is FNB Business Free?

Small business owners have the option of choosing the Business Zero account type which is free in the sense that the bank does not charge a monthly maintenance fee. In addition to not charging any monthly fee the bank also gives Free funds transfer, free payment notifications, and Withdrawals. With this account type you still get free unlimited card swipes, and free unlimited POS card swipes.

Summary

These are the FNB account fees as presently available. However, please take note of the following important notifications:

The information in this article are accurate as at the time of publishing. The bank may change fees and rates without prior notice.

This information is not an exhaustive presentation of the accounts offered by FNB, nor does it show all the fees liable to each account. For the complete information, please contact the bank.

This information is not produced for entertainment purposes only; it is not financial information. Neither the writer, nor the owner of this website are liable for any loses that may occur as a result of the use or misuse of this information.