FNB price changes announced
FNB has announced its annual pricing adjustments, making several changes to its fee structures and monthly account charges. The amendments take effect on 1 July 2025.
The bank said its latest pricing review demonstrates its understanding of the financial pressures South Africans face.
“These changes reflect the bank’s focus on delivering value that extends beyond fees to enrich customers’ banking experience and overall lifestyle,” it said.
The bank has made inflation-driven fee adjustments and said it has significantly enhanced the benefits customers receive.
According to Christelle Pretorius, FNB’s personal core banking CEO, FNB’s customers have come to expect support and assistance in their daily financial lives.
“Our customers expect more than competitive pricing,” said Pretorius.
“These latest adjustments reinforce our commitment to providing clear, understandable, and affordable banking solutions that deliver genuine value.”
FNB has also made several changes to its eBucks rewards programme. According to FNB eBucks CEO Pieter Woodhatch, the programme aims to address customer lifestyle needs and financial priorities.
“eBucks is central to the integrated value we offer our customers across FNB and RMB Private Bank,” he said.
“We’ve made great strides in tailoring our rewards to cater to the real needs of consumers across all income segments, through the smart use of consumer insights.”
According to Woodhatch, the eBucks programme has given customers R2.2 billion worth of rewards over the past year.
Through its partnership with Pick n Pay, it has given away 3.4 million “99c bread offer” vouchers since it launched in 2024 September 2024.
“Additionally, R295 million in eBucks was paid for spend at Engen and R98 million in eBucks spend at clicks in the last 12 months,” says Woodhatch.
“eBucks plays a vital role in helping customers across all life stages and income levels stretch their monthly budgets for necessities such as groceries, airtime, fuel, clothing, and travel.”
FNB’s annual price changes for the 2025/26 financial year, effective from 1 July 2025, are provided below.
FNB Personal Banking account changes
FNB’s personal banking accounts include its Easy Pay-as-you-use (PayU), Easy Bundle, Aspire, and Premier products, all of which received slight increases in their monthly account fees.
Pretorius said the bank has simplified its charges with a flat-fee structure to help customers manage their money.
“Our updated bundles make payments easy to understand, include real-time payment options, and offer everyday rewards and bundles,” she said.
“Clearer, lower transaction costs mean our customers can manage their finances more predictably and efficiently.”
FNB has cut the real-time payment fee for Easy PayU customers from R8 to R3.50 per transaction, while its Easy Bundle, Aspire, and Premier customers get free real-time payments up to a certain threshold.
Easy Bundle customers can process real-time payments up to R1,000 per month for free, while the threshold for Aspire and Premier customers is R2,500 and R4,000, respectively.
Thereafter, these customers pay R10 per R1,000 up to a maximum fee of R50 per transaction.
Standard transactions for Easy PayU customers cost R1 for FNB-to-FNB payments and R2 for FNB payments to other banks.
Easy Bundle, Aspire, and Premier customers pay R2.00 for any debit order or digital payment fees when made through the FNB app.
These customers pay no fees for FNB-to-FNB transactions.
Regarding cash withdrawals, Easy PayU customers pay R12 per R1,000 withdrawn at ATMs and retail partners.
Easy Bundle, Aspire, and Premier customers get free cash withdrawals through ATMs and Cash@Till partners.
These customers can withdraw up to R1,500 per month for free for Easy Bundle accounts, and up to R2,000 and R3,000, respectively, for Aspire and Premier accounts.
Thereafter, these customers pay R2 per withdrawal through Cash@Till transactions and R2.70 per R100 withdrawn at FNB ATMs.
Regarding monthly account fees, Easy PayU customers will pay R1 more per month from 1 July 2025.
Easy Bundle customers will pay R73.50 per month, up from R69, while Aspire customers will pay R120 per month, up from R115.
FNB’s Premier product now starts at R250 per month, up from R240 per month.
The table below summarises FNB’s monthly account fee changes for its Easy PayU, Easy Bundle, Aspire, and Premier products, effective 1 July 2025.
Other account fees are summarised in the table further below.
| Account | New monthly account fee | Old monthly account fee | Change |
|---|---|---|---|
| FNB Easy PayU | R7.50 | R6.50 | R1.00 (+15.4%) |
| FNB Easy Bundle | R73.50 | R69.00 | R4.50 (+6.5%) |
| FNB Aspire | R120.00 | R115.00 | R5.00 (+4.3%) |
| FNB Premier | From R250.00 | From R240.00 | R10.00 (4.2%) |
| Account | FNB to FNB | FNB to other banks | Real-time payments | Cash withdrawals (ATM/Cash@Till) |
|---|---|---|---|---|
| FNB Easy PayU | R1.00 | R2.00 | R3.50 | R12/R1,000 |
| FNB Easy Bundle | R0.00 | R2.00 | R1,000 free per month, R10/1000 (max R50) thereafter | R1,500 per month (then R2.70 per R100) |
| FNB Aspire | R0.00 | R2.00 | R2,500 free per month, R10/1000 (max R50) thereafter | R2,000 per month (then R2.70 per R100) |
| FNB Premier | R0.00 | R2.00 | R4,000 free per month, R10/1000 (max R50) thereafter | R3,000 per month (then R2.70 per R100) |
FNB Private Banking account changes
FNB made pricing adjustments to its Private Wealth and RMB Private Bank products, with their monthly account fees increasing by R30 from R595 per month to R625 per month from 1 July 2025.
However, the bank has left the monthly account fee for its Private Clients product at R455 per month.
The single fee for each of these accounts includes extensive benefits, including:
- An FNB Fusion account
- Credit card
- Global account
- FNB Channel Islands account
- Money Maximiser Savings account
- FNB Stockbroking and Portfolio Management Local and Global Trading Account
- FNB Private Wealth Non-Trading Juristic Account
- Access to Securities Base Loan
- Access to a Secured Revolving facility.
Regarding real-time payments, Private Client customers get instant payments up to R10,000 for free, while Private Wealth customers get up to R30,000 in free real-time payments.
Private Wealth customers also get unlimited cash withdrawals free of charge, while Private Clients account holders get free ATM cash withdrawals up to R8,000 per month.
FNB Private Wealth customers pay no charge for payments from their FNB account to accounts at other banks.
The table below summarises FNB’s monthly account fee changes for its Private Clients, Private Wealth, and RMB Private Bank products, effective 1 July 2025.
| Account | Minimum earnings (per annum) | New monthly account fee | Old monthly account fee | Change |
|---|---|---|---|---|
| Private Clients | R750,000 – R1.8 million | R455.00 | R455.00 | R0.00 (0.0%) |
| Private Wealth | R1.8 million + | R625.00 | R595.00 | R30.00 (5.0%) |
| RMB Private Bank | R750,000 + | R625.00 | R595.00 | R30.00 (5.0%) |
Loading ...