Extended Warranty

Free cover whereby we will double the original manufacturer's warranty for goods purchased on your FNB cheque card.

Purchase Protection

Free cover in the event that an eligible item purchased on your FNB cheque card is lost through theft, fire and/or accidental damage.

Debit Order and Salary Switching

Switch your salary, beneficiaries and debit orders free of charge

Our dedicated team does all the work for you and keeps you informed of the progress along the way!

Download the switching form.

Contact 0860 102 970 or email debitorders@fnb.co.za

Drive You Home

When you're unable to drive yourself home, we can.

What the Drive You Home service offers me:

• The service offers 8 trips a year at a cost of R40.00 per month.
• The service team consists of a backup driver and vehicle, and a lead driver who will drive you home using your own vehicle.
• The service will also ensure that up to 4 additional passengers will be transported with you to the same location in a single trip, at no additional cost.
• The service radius is 30km per trip; any additional kilometres will be charged.
• The service is available to a valid Gold, Platinum, Encore and Graphite Cheque Account holder.
• The service includes fluent English speaking drivers who hold professional driving permits.

What this allows me to do:

• Enjoy the safety of the service - and have peace of mind.

Interested in the Drive You Home service

Linked Savings Account (Savings Pocket)

Put money away and earn interest on money saved.

Save easily and conveniently with no added fees

A Savings Pocket is linked to your account to keep your savings separate from your transactional account.

Earn competitive interest on a positive balance in your linked Savings Pocket.

Save easily and conveniently with no added fees.

To activate the Savings Pocket on your account call 0860 32 78 27

Your FNB Cheque Card and eBucks Rewards

As an FNB Cheque Account customer you can earn eBucks for doing everyday things like swiping your card, shopping online, shopping at Checkers & Shoprite, filling up with fuel, or purchasing prepaid airtime and prepaid electricity electronically through FNB

Depending on your reward level you can earn eBucks on your qualifying FNB Cheque Card as follows:

• Earn up to 3% back in eBucks when you shop online or internationally and up to 1.5% back when you swipe for shopping
• Earn up to 15% back in eBucks when you shop at Checkers & Shoprite
• Earn up to 15% back in eBucks when you fill up with fuel at any fuel station and buy Gautrain tickets*
• Earn up to 15% back in eBucks when you buy prepaid electricity or load prepaid airtime electronically through FNB

You also earn eBucks through FNB Forex as follows:

1. Earn up to 50% back in eBucks on your Forex transaction charges when you send or receive foreign currency online with FNB Forex
2. Earn up to 100% back in eBucks on your Forex transaction charges when converting foreign currency via a standing instruction with FNB Forex

You can then spend your eBucks on just about anything at the various eBucks in-store and online partners. Qualify to get up to 40% in the eBucks Shop and on selected local and international flights through eBucks Travel. For more details visit www.eBucks.com

How to start earning:

1. Meet the qualifying criteria (visit www.eBucks.com to see qualifying criteria)
2. Collect points based on how you bank with us
3. Swipe your FNB Cheque Card and get rewarded

Remember that to get the most out of your rewards you need to hold matching FNB Credit and Cheque cards (for example hold both a Platinum Credit Card and a Platinum Cheque Card).

To learn more about eBucks click here
* Earning eBucks back on Gautrain tickets is reserved for FNB Private Clients and FNB Private Wealth Clients.

FNB Connect

Cheap rates, free calls and reduced data bundles

FNB Connect ADSL data

* Terms and conditions apply,the maximum uncapped ADSL discount that applies is R399.00 .

For more information on uncapped ADSL data from FNB Connect, visit www.fnbconnect.co.za or log-in to FNB Online Banking and select the FNB Connect tab.

inContact

FNB's FREE notification messaging service

Keep track of money moving into and out of your account.

This innovative messaging service enables you to keep track of transactions on your account, via email or SMS, and you can choose to receive your messages during the day between 7am and 8pm or 24 hours a day.

You get to select which accounts are linked to inContact.

Register for inContact via Online Banking or call 087 575 9404.

Online Banking

Bank anywhere, anytime, at your convenience

Online Banking is the convenient, real-time way to access your accounts. Pay, transfer, trade and invest, using easy online navigation, all from the comfort of your couch.

Banking online is convenient as you can do most things that you can do in a branch.

Banking online is secure. Keep track of your transactions with free inContact, OTP notifications and online protection software.

Banking online is simple. All you need is an FNB bank account and access to the Internet.

View our How to register for Online Banking demo

Cellphone Banking

Banking at the touch of a button

Access your money anytime, anywhere using your cellphone.

Even without your ATM card you can now do your banking via Cellphone Banking.

Telephone Banking

It's your bank on call

As an FNB transactional account holder, you can enjoy flexible banking at your own convenience

Speak to a telephone banking consultant or transact via the interactive voice response (IVR) line, whenever, wherever via a single access number.

Automatic Debt protection R1 000

In the event of your death or permanent disability, FNB will cover the first R1 000 of your Overdraft.

Email Statements

Get your statements emailed for free promptly, consistently and securely every month.

With email statements, you get your statements faster than paper statements. You can download, save and print your statements. FNB has also installed security measures to protect your information.

You could save R138 per year with email statements.

This is a free service which can easily be activated from your Online Banking profile in 4 easy steps.

1. Once logged in, select My Bank Accounts, then Menu and then Email Statements under Statements.
2. Select the appropriate account/s of which you require the statements to be delivered to you via email.
3. Enter the primary email address to which you'd like the statements to be sent .
4. Select the formats you would prefer to receive your statements in - plain text (CSV), PDF or both (account dependent).

What email statements offer me:

• Easy to store - you can keep the email statements safely on your PC until they are required.
• Easy to file - it is easier to file an electronic statement than a paper statement.
• More secure - email statements are more secure than paper statements as paper statements. can be lost in the post. The statement is encrypted and cannot be tampered with.

Bank Your Change

Grow your balance in your linked Savings Pocket

Automatically save your 'left over' cents when you swipe your FNB cheque or debit card.

Round the purchase amount up to the nearest rand, and have this transferred to your linked Savings Pocket, free of charge.

You can save more by choosing a 'top up' amount of R2, R5, R10, R20 or R50. This amount will be added to the cents that are saved per purchase and deposited in your linked Savings Pocket.

To start saving now call 0860 327 827.

Comprehensive Global Travel Insurance

FNB's Comprehensive Global Travel Insurance will keep you covered...

no matter where you go in the world, when you purchase your air ticket with your qualifying card.

This innovative service gives travel ticket holders Comprehensive Global Travel Insurance, both locally and internationally. There's no need to buy additional top-up cover, saving you around R350 per ticket. It includes up to R10 million for medical expenses and personal liability cover, as well as providing cover against personal accidents, cancellation, travel delay, lost stolen, or damaged luggage.

By purchasing travel tickets in South Africa (or other specified countries as detailed in the Policy) at full fare on your qualifying FNB credit card or cheque card prior to the departure, ticket holders are automatically covered for the first 90 days of the journey. This offer only applies if you are a resident of the Republic of South Africa, Botswana, Lesotho, Namibia and/or Swaziland, up to and including seventy (70) years of age and buy your full public conveyance travel tickets in South Africa (or other specified countries as detailed in the Policy) with a valid FNB credit card or cheque card.

Dedicated Call Centre

Trained staff to help you get things done.

Our dedicated call centre is equipped with trained staff to assist you with any queries you might have about your account.

FNB Rewards for Smart Account

As a Smart Account customer, you can get FREE airtime* every month if you bank smart! Qualifying to get FREE airtime* is easy, all you need to do every month is:

Team of Premier Bankers

Make the most of your money

Premier Banking offers you a specialised team of Premier Bankers to help you control your finances.

We offer premier guidance through the world of banking to simplify your banking experience.

You also get a range of Platinum products

• Platinum Cheque Account
• Visa Platinum Credit Card
• Access to the exclusive SLOW Lounge
• Access to our team of investment specialists

To find out more about Premier Banking, call us on 0875 777 000 or email premier@fnb.co.za.

Courier Card Delivery

Avoid the queues at a branch

Open your Cheque Account online and we will courier deliver your cheque card to you.

Exclusive Visa Offer

Visa - your perfect companion

Enjoy more from life, whether you're travelling or at home.

Your Visa card offers an excellent selection of travel, dining, shopping and lifestyle opportunities.

While on your travels, should you have a medical emergency or your card is lost or stolen, you have access to an international support network to assist you.

Find out more about Visa privileges .

Lost Card Protection

Protection in the event of a lost or stolen credit card

Report a lost or stolen card within 24 hours of the incident to the dedicated, toll free, 24 hour hotline! FNB will assist in the event of a non-PIN related fraud incident on your account.

Tablet and Smartphone Offer

Is your phone as smart as your bank?

Get a Smartphone or Tablet from FNB and you can bank anywhere via the FNB APP

New and existing FNB clients can get a smart device at reduced rates to access their accounts via the FNB APP.

• Existing customers can apply via Online Banking
• New customers must apply for an FNB Cheque Account on the mobile pricing option

Clients can get these devices and pay for them over a 24 month period with zero additional fees, interest or charges payable.

In addition, FNB will:

• Courier deliver your smart device to you at a cost of R150
• Switch your debit orders, beneficiaries and salary, for free
• Allow you unlimited Cheque card swipes
• Give you free subscriptions to Online Banking, Cellphone Banking, Telephone Banking and the FNB APP
• Grant you four free FNB ATM withdrawals a month - excluding branch, cheque and saswitch charges

View the Mobile Pricing Guide

To take up this offer, monthly Cheque Account deposits are required.

The table below details the device and account fees applicable:

Due to high demand, FNB cannot guarantee the colour of any Apple iPad product/s. Limited stock is available and FNB cannot guarantee a delivery date at this time. Should you place an order with FNB, please rest assured that we will do our utmost to get your device to you in the shortest possible time. FNB also undertakes to communicate regularly with clients who have placed an order.

Manufacturer's repair centres for Smartphones/Tablets under Warranty.

Apple iPad

If your Apple iPad is faulty (this does not include physical damage) you can send an email to fnbipad@myistore.co.za with all your information (name, cellphone number, email address, collection address and serial number of the device) plus a description of the fault.

You also have the option of returning the device to an iStore.

Samsung Support

If the device is faulty within 7 days of receipt, call Brightpoint on 011 928 8370. If the device becomes faulty after 7 days of receipt, call Samsung on 0860 726 786.

To escalate any Samsung issues, you can send an email to fnbescalations.za@brightpoint.com.

Acer Support

If the device is faulty please call 0860 777 286

BlackBerry Support

Call Brightpoint on 011 928 8370. To escalate any Blackberry issues, you can send an email to fnbescalations.za@brightpoint.com or customerservice.za@brightpoint.com.

HTC Support

Call 011 460 8000 or email fnbrepairs@leaf.co.za.

Cash @ Till

Draw cash directly from a tillpoint at a store.

Cash@Till™ allows you to use your cheque card to withdraw cash at tillpoints of specific retailers such as Pick-n Pay and Checkers.

Simply tell the cashier that you need to draw cash and they will assist.

Free Card Delivery

Have your card delivered to your doorstep

Whether you're at work or home, we'll bring your card to you

Are you applying for a new credit card? Do you need to replace a lost, stolen or damaged card?

Call 087 575 1111* for more information or for instructions on how to have your card delivered wherever you want - no more queuing.

Delivery may take 3 to 5 working days. Delivery fees apply on Classic, Gold and Petro Cards.

*If you still have your current card, you can call the relevant number at the back of your card for assistance.

Additional Cards

Multiple cards linked to one account

Have the flexibility to link additional cheque cards to your account - ideal for a spouse or children of 18 years and older.

How I can get it?

When logged in to FNB Online Banking, select the My Bank Accounts tab, My Cards sub tab, Menu, Additional Card, select an account and follow the instructions.

For more information contact 087 575 0000

Roadside Assistance

Roadside Assistance is a free service for Cheque Account clients with an FNB Petrol card, or comes at a nominal fee for those who don't have the Petrol Card. It is only available to Cheque Account clients living and travelling in South Africa.

In the event of a roadside emergency, we will provide the following services to you:

• Flat tyre: Have a spare tyre put onto your vehicle.
• Flat battery: Assistance to have your vehicle started where possible.
• Keys locked in vehicle: A locksmith to open your vehicle and retrieve the keys.
• Run out of fuel: We will arrange for 10 litres of fuel to be delivered to you at your vehicle, but the cost of the fuel as well as the delivery will be for your account.
• Tow-in: Where the cause of the problem is a mechanical or electrical breakdown or a motor vehicle accident, we will arrange for your vehicle to be towed to the nearest approved dealer or competent repairer.
• Courtesy transport: Where your vehicle needs to be towed to a repairer, we will arrange for you and your passengers to be transported to their respective destinations where the breakdown has occurred, outside a radius of 100 km from your normal place of residence.
• Hotel accommodation: Where the breakdown has occurred outside a radius of 100 km from your normal place of residence resulting in an overnight delay, we will arrange hotel accommodation for the occupants of the vehicle.
• Car rental: Where the breakdown has occurred outside a radius of 100 km from your normal place of residence, resulting in overnight delay, but where the driver would prefer to continue with their journey immediately, we will arrange for a rental car to enable you to reach your destination, subject to qualifying for a rental vehicle in terms of the Car Rental Company's general terms and conditions.
• Transmission of urgent messages: We will relay messages of delay or changed arrangements to a nominated family member or business colleague at the driver's request within 30 minutes of the call.
• Vehicle recovery: Where the problem has occurred outside a radius of 100 km from your normal place of residence, requiring that you leave your vehicle for repair, we will arrange for the collection of the vehicle and will return it to your normal place of residence after the repair has been done.
• Storage: Should the driver require it, we will arrange for the safe storage of the vehicle.

Benefits Table

• Roadside Assistance Benefit Amount
• Flat: tyres Call out fee + 1 hour labour
• Flat battery: Call out fee + 1 hour labour
• Keys locked in vehicle: Call out fee + 1 hour labour +R50 excess per call out
• Run out of fuel: Supply of fuel: but the cost of fuel is for your account
• Maximum Tow-in Benefit Payable: R750 per incident

Outside a radius of 100km from your home, we will pay:

• Hotel accommodation : Up to R400 per incident
• Car rental: Up to R400 per incident
• Safe storage : Up to R400 per incident
• Repatriation of vehicle : Up to R400 per incident
• Maximum Benefit Payable per vehicle: R7 500 per annum

View the Roadside Assistance Terms and Conditions .

The FNB Banking APP

Unparalleled simplicity and convenience

As a registered Online Banking user, you can access the FNB Banking App

Download the free app for Android™, Apple™,BlackBerry™ and Nokia™ Symbian devices*.

Using the Free FNB Banking App you can

• Make and receive Geo Payments
• Set up Stop Payments
• Make payments and transfer funds
• View transfer and payment history
• Send money
• Contact your Relationship Banker
• View accounts and detailed balances
• Locate FNB branches or ATMs
• Access an FNB directory
• Make and receive calls
• Send and receive messages
• Buy prepaid products
• Top up your FNB Connect accounts
• Purchase FNB Connect ADSL bundles
• View foreign exchange rates

For queries please email: fnbappsupport@fnb.co.za
To find out how to link your device call: 087 575 0362

View the software license agreement and remote banking agreement

*Android devices include HTC, Samsung, LG, Motorola, Sony Ericsson and Huawei. BlackBerry devices include the Torch, Storm, Bold and Curve that are OS5 or higher

Vehicle Concierge Service

We will source and deliver any new or used vehicles

As a free service to Premier and Private Clients, FNB offers a concierge service with entails:

• Sourcing and delivering of new or used vehicles from pre-select dealers on your behalf
• Helping you compare different vehicle models and arranging test drives
• Arranging vehicle services
• Finding you the best possible price and specials from manufacturers

FNB will reward you with 1% of your purchase price (pre-VAT) in eBucks!

Contact 087 736 2352 or concierge@fnbvehiclefinance.co.za

Use Your Card Abroad

Use your FNB card at any terminal displaying the Visa logo

Travelling has never been this convenient.

Wherever you go in the world, Visa ensures that you can access your cash to buy gifts, access services, enjoy leisure activities and more.

SLOW Domestic Lounges

SLOW Domestic Lounges can be found in the domestic terminals of OR Tambo, Cape Town and King Shaka International Airports.

Benefits

• Tasty snacks freshly prepared by on-site chefs
• Freshly brewed coffees, selected wine-tasting and bar service
• Complimentary Wi-Fi access & power throughout the lounges
• Apple iMacs and printing facilities
• Individual washrooms & shower facilities
• A library filled with a wide range of books for your reading pleasure
• An Amani Spa, offering a complimentary 15-20 minute treatment before your flight
• A VIP private suite with an en-suite bathroom for families travelling together

Operating Hours

	OR Tambo International Airport	Cape Town International Airport	King Shaka International Airport
Monday - Thursday	04h30 - 20h00	04h30 - 20h00	04h30 - 20h00
Friday	04h30 - 21h00	04h30 - 20h30	04h30 - 21h00
Saturday	06h00 - 18h00	06h00 - 17h30	06h00 - 18h00
Sunday	06h00 - 20h30	06h00 - 20h30	06h00 - 19h30

Peak Times include:

• Monday - Friday: 04h45 - 07h00 and between 13h00 - 17h30
• Sundays: 15h00 - 17h30

Access to SLOW Domestic Lounges will be limited to 90 minutes before boarding time.

FNB Platinum Current Account and Credit Card

Qualifying fees and criteria

Qualifying cards	Qualifying criteria	Qualifying entries per calendar month	Fee per visit when qualifying criteria are met	Fee per visit when qualifying criteria are NOT met	Fee per additional entry (over and above the qualifying entries)
Current & credit card	Reward level 1 or above	2 including guests**	FREE	R250 per person	R250 per person

If you only hold a Platinum Current Account or only a Platinum Credit Card and your accounts are in good standing*, a fee of R250 per person will apply.

*Good standing: This means that none of your FNB or FirstRand Bank accounts and credit agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as defined in our terms and conditions.

**No guests will be allowed during peak times.

Additional Platinum rules

• All free entries will be allocated at main customer level and can be used/accessed by any card (current, credit or additional credit card).
• Children younger than 2 years get access to the Slow Domestic Lounge for free
• Unused free visits do not roll over to the next month

FNB Private Clients Current Account and Credit Card

Qualifying fees and criteria

Qualifying cards	Qualifying criteria	Qualifying Entries**** per calendar month	Fee per visit when qualifying criteria are met	Fee per visit when qualifying criteria are NOT met	Fee per additional entry (over and above the qualifying entries)
Current & credit card	Reward level 1 or above	4 including guests**	FREE	R250 per person	R250 per person

If you only hold a Private Clients Current Account or only a Private Clients Credit Card and your accounts are in Good standing*, a fee of R250 per person will apply.

*Good standing: This means that none of your FNB or FirstRand Bank accounts and credit agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as defined in our terms and conditions.

**No guests will be allowed during peak times.

***Allocated free entries are shared between the SLOW Domestic Lounges and SLOW International.

Additional Private Clients rules

• All free entries will be allocated at main customer level and can be used/accessed by any card (current, credit or additional credit card).

FNB Private Wealth Current Account & Credit Card

Qualifying fees and criteria

Qualifying cards	Cardholders qualifying criteria	Qualifying cardholder entries** per calendar month	Fee per visit when qualifying criteria are met	Fee per visit when qualifying criteria are NOT met	Fee per additional entry (over and above the qualifying entries)
Current and/or Credit Card	Reward level 1	2 including guests	FREE	R250 per person	R125 per person
Current and Credit Card	Reward level 2 or above	Unlimited, including only 1 guest per visit and children under 18	FREE	R250 per person	R125 per person

**Allocated free entries are shared between the SLOW Domestic Lounges, SLOW International and Bidvest Premier Lounges.

Additional Private Wealth rules

• All free entries will be allocated at main customer level and can be used/accessed by any card (current, credit or additional credit card).
• Children younger than 2 years old access the SLOW Domestic Lounge for free
• Unused free visits do not roll over to the next month

FNB Business Platinum Current and Credit Card

Qualifying fees and criteria

Qualifying cards	Qualifying criteria	Qualifying entries*** per calendar month	Fee per visit when qualifying criteria are met	Fee per visit when qualifying criteria are NOT met	Fee per additional entry (over and above the qualifying entries)
Current card	Active Business Platinum Current account in good standing* with total deposits of at least R16 500 in the preceding calendar	2 including guests**	FREE	R250 per person	R250 per person
Credit card	Active Business Platinum Credit Card in good standing*	2 including guests**	FREE	R250 per person	R250 per person

*Good standing: This means that none of your FNB or FirstRand Bank accounts and credit agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as defined in our terms and conditions.

**No guests will be allowed during peak times.

***Allocated free entries are shared between the SLOW Domestic Lounges and SLOW International

Additional Business Platinum rules

• All free entries will be allocated at main customer/account level for the current account
• All free entries will be allocated per card for the credit card
• Unused free visits do not roll over to the next month

Business Black Current Account & Credit Card

Qualifying fees and criteria

Qualifying cards	Qualifying criteria	Qualifying Entries** per calendar month	Fee per visit when qualifying criteria are met	Fee per visit when qualifying criteria are NOT met	Fee per additional entry (over and above the qualifying entries)
Current card***	Active Business Black Current card in good standing* with total deposits of at least R33 000 in the preceding calendar month	Unlimited, including only 1 guest per visit	FREE	R250 per person	R250 per person
Credit card	Active Business Black Credit Card in good standing*	Unlimited, including only 1 guest per visit	FREE	R250 per person	R250 per person

*Good standing: This means that none of your FNB or FirstRand Bank accounts and credit agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as defined in our terms and conditions.

**Allocated free entries are shared between the SLOW Domestic Lounges and SLOW International.

*** Access will only be granted to holders of specific FNB Business Black Current cards, displaying the details highlighted below:

First 7 digits	Card Image
4910507
4910508

Additional Business Black rules

• All free entries will be allocated at main customer/account level for the current account and entries are allocated at a plastic level on a credit card
• Unused free visits do not roll over to the next month

Access Rules

• NEW - All qualifying current and credit cardholders who have access to SLOW Domestic Lounges will only be allowed to enter 90 minutes before their boarding time
• NEW - Should the lounge capacity be reached, FNB Business Black, FNB Private Wealth and RMB Private Bank customers will be granted preferential access
• All your entries into the SLOW Lounges are non-transferable. All unused visits will not roll over to the next month
• Any additional entries (in excess of those mentioned above) will be charged for
• Access will only be permitted on presentation and swiping of applicable card by the cardholder
• Only valid cards will be accepted. No expired cards will be accepted
• Only one card will be permitted per cardholder per visit and must be accompanied by a boarding pass
• Both the card and the boarding pass must be issued in the same individual's name
• SLOW reserves the right to decline entry should any of the lounges be full. Access is subject to availability, according to SLOW Lounge capacity and safety rules
• SLOW reserves the right of admission and retains the right to deny access should they deem necessary
• Cardholders under the age of 18 years will not be permitted access unless accompanied by an adult over the age of 18 years
• Children younger than 2 years old may access the SLOW Lounge for free
• Children older than 2 years old may access SLOW Domestic Lounges as per cardholder access criteria and fees
• All FREE entries will be allocated at main client level and can be used/ accessed by any card (Current, Credit or additional Credit Card)

Online Secure

Protect your FNB Cheque Card against fraudulent use online

Online Secure uses a One Time PIN (OTP) that is sent to you and comes at no extra cost.

To activate Online Secure on your FNB cheque card, you must be an Online Banking user.

Activate your card by logging on to your FNB Online Banking profile and following these prompts:

• Go to the My Bank Accounts tab
• Select the My Cards sub tab
• Locate the card you would like to activate and select Activate Now under the Online Secure column
• Follow the easy steps
• Select I accept and agree to the Disclaimer above
• Select Finish on the Activation Results screen

How to use Online Secure when shopping online:

Once activated, proceed to the checkout.

• Type in your 16 digit FNB card number when prompted.
• You will then be asked for a One Time PIN (OTP) which you will receive via SMS.
• Finalise your purchase

Online Secure FAQ's

Consumer Disclaimer

Access to Bidvest Premier Lounges

At airports without SLOW Lounges or where capacity in the SLOW Lounge has been reached, Private Wealth Cheque and Credit cardholders are welcome to use the Premier Lounges. Bidvest Lounges can be found at O. R. Tambo International, Cape Town International, King Shaka International, Port Elizabeth, East London and George Airports.

Qualifying criteria and fees

As a Private Wealth Cheque or Credit Card holder, you qualify for free entry based on your reward level as follows:

If you are not on a reward level, the fee per entry is R250 for the Domestic Lounges and R500 for the International Lounges.

You also have access to complimentary and discounted services through eBucks Lifestyle including Priority Pass, Avis Point2Point and Speed Pass.

Private Wealth will enjoy the exclusive service of eBucks Lifestyle where a dedicated Lifestyle Assistant will assist you with:

• All your travel arrangements including flights, car rental and accommodation
• Gifting services like ordering flowers, wine, gift vouchers and hampers
• Lifestyle experiences such as spa days, hot air balloon rides and luxury picnicking
• Dining reservations and sourcing sport and event tickets
• Access to Priority Pass - the world's largest independent airport lounge access programme offering its members access to over 700 airport lounges worldwide. Access is based on your reward level.
• Access to AVIS Point2Point - your personal transfer service ensuring you will always get to where you are going in style. Depending on your reward level, you qualify for 5 free local transfers per annum in an economy vehicle.
• Speed Pass - a VIP meet and assist airport service. As a Private Wealth client you qualify for a 15% discount at over 285 international airports worldwide, which means a friendly face greets you at the airport, removing language barriers and lengthy queues through customs and immigration.

These services can be booked through eBucks Lifestyle. For more information or to make a booking simply contact one of the Lifestyle Assistants on 087 575 0050 or send an email to ebuckslifestyle@ebucks.com.

Access to a Private Banker/Relationship Banker

FNB Private Clients

With FNB Private Clients you have your own one-stop, personal relationship banker who will assist you with all your banking, investment, credit and forex needs, and support you with your banking on the go with the FNB App, Online and Cell-phone Banking. And, because your banking needs may not keep office hours, your banking relationship is extended to a private service suite.

FNB Private Wealth

You are accustomed to our relationship approach of dedicated wealth management and private banking advice. As we shift our model to service the top tier of the wealth market, you'll continue to receive the dedicated service of a private banker along with superior wealth, investment and portfolio management and retirement and fiduciary planning advice for your local and global investment needs.

Bundled Pricing

A Bundled pricing option is available where you can pay a fixed discounted monthly account fee, which includes your cheque account as well as credit card monthly fees. The bundle also includes up to 5 free additional cards and the eBucks linkage for your credit card.

Access to Wealth Management , Lending, Fiduciary and Specialists

Wealth Management to optimally plan for your future

Our Wealth and Investments Management team of experts uses a dynamic approach to advise you on the design, implementation and management of your investment portfolios. We integrate all of your financial affairs and your investment portfolio is never viewed in isolation to your estate planning, tax situation and lending structures.

Our services include:

• Financial planning and investment advice
• Business ownership and succession planning
• Advising on local and offshore structures and investment portfolios
• Estate planning, Wills, trusts and fiduciary-related services

Access to funding when you need it is a crucial part of any wealth growth strategy. FNB Private Wealth has designed a range of specialist solutions, designed to suit your wealth lending requirements. Furthermore, these solutions are structured to offer a variety of lending products that can be tailored depending on your specific needs, the funding amount and intended use.

FREE Instant Financial Management

FREE Instant Financial Management is an online solution which uses your bank statements to provide you with an overview of your financial position as reflected on your Private Wealth account.

Managing your personal finances just got easier. Instant Financial Management automatically categorises your transactions, lets you set budgets and helps you achieve your savings goals. Easy-to-understand charts and graphs enable you to visualise what you're spending your money on, on a daily, weekly or monthly basis. This tool enables you to monitor and review your personal transactions and expenditure.

FREE Instant Accounting

Instant Accounting is ideally suited to small business owners and enables you to prepare income statements, balance sheets, VAT returns, cash-flow statements as well as detailed transactional analysis reports.

Comprehensive Global Travel Insurance

Comprehensive Global Travel Insurance will keep you covered no matter where you go in the world, when you purchase your travel tickets on your FNB cheque card.

Which cards qualify for FNB's Comprehensive Global Travel Insurance?

• FNB Platinum
• FNB Private Clients
• FNB Private Wealth

Why do I need this?

Use your FNB cheque card to purchase a local or international travel ticket and get FREE Comprehensive Global Travel Insurance. SAVE on your insurance and be conveniently covered for the first 90 days of your journey.

With Comprehensive Global Travel Insurance you get:

• Up to R10 million cover for medical expenses
• Personal liability cover of up to R2.5 million
• Cover in the event of personal accidents, cancellations, travel delays and lost, stolen, or damaged baggage

Important Information and contact details

Please obtain a copy of the Travel Policy prior to travelling and ensure you fully understand its contents. The Travel Policy is obtainable below and from the Comprehensive Global Travel Insurance Help Desk. If anything is unclear, or you need help, please contact the Global Travel Insurance Help Desk on 0861 490 100.

Free Schedule of Benefits - up to and including the age of 70

Travel Policy

Schedule of Benefits - Seniors

If you need assistance (from anywhere in the world) you can "reverse-charge" your call to Europ Assistance on the following number: +27 11 991 8409.