Quick Calc:
FNB (Plat Acc) R 415.00 R 9 960.00
Data (500MB) R 149.00 R 3 576.00
Calls (Top-Up 275) R 275.00 R 6 600.00
Per Month R 839.00 R 20 136.00 24 months
iPhone 240 R 761.00 R 18 264.00 (based on similar current package(295*24), which I would look at configuring for myself)
Data (500MB) R - R -
Calls (240min) R - R -
Per Month R 761.00 R 18 264.00 24 months
Saving R 1 872.00 (if you choose Vodacom deal)
Counting bank fees is stupid, don't you use a bank, why count the most expensive option then if you don't have a bank.
So deduct R120 * 24 = R2880
Now, your not operator locked, get out of the fixed minimum fee mind set.
Calls (Top-Up 275) R 275.00 R 6 600.00 (Topup275 is STUPID, why pay higher call rates and a fixed amount)
For me R275.00 would be enough airtime for a year (I currently have to pay R389month for not calling tho so I can have a decent phone), I avoid phoning anyone as much as possible.
So a further R6000 saving there.
Data (500MB) R 149.00 R 3 576.00 (PLEASE don't endorse this and pay that for 500MB if people stop paying stupid fees for data the prices will adjust).
I have Wifi, and being sensible you have switch your phone to FNB's APN. I actually average less than 50mb a month (R15).
That's another R3216 off your price.
Total after 24 months buying the phone from FNB: R8040 vs Iphone R18 264, I save over R10k
Pick your operator, switch when you want, jump between monthly packages. The Service Providers usage profile does not match normal people.