OK, I'll bite although you obviously have a vested interest in FNB because every one of your 19 posts have, todate, only being punting FNB connect and so I am sure I am wasting my time but for anyone else who reads this post I compared FNB to my ISP, Screamer's rates because I use them to phone a lot of the African countries I do business in and the comparison is this. I used the FNB connectchat packages to compare apples with apples as Screamer also does not charge an annual membership fee apart from not insisting you bank with them.
Angola
Screamer R2.09 FNB R2.17
Mocambique
Screamer R1.62 FNB R3.21
Nigeria
Screamer R1.89 FNB R2.01
Calls to cell nos are:
Peak
Screamer R1.40 FNB R1.79
Off Peak
Screamer R0.89 FNB R1.24
Calls to Telkom local
Peak
Screamer R0.46 FNB R0.55
Off Peak
Screamer R0.25 FNB R0.39
If you want to compare your FNB Connect extra bundled charges then you will need to compare them to Screamer bundled packaes and believe me you don't want to go there.
Another advantage with Screamer is that they carry their voice traffic accross their own network and don't let it touch the local internet cloud which accounts for the quality of their calls.