FNB Cheque Debit

FNB Gold Cheque Account — Terms and Conditions

## Gold Cheque tier — fees, limits and eligibility Signing up creates a deposit-taking cheque wallet denominated in rand. The SARB supervises the balance sheet; the FSCA governs how fees and disclosures must appear on your schedule. Every new relationship also passes **FICA** identity and address checks before rand can move. ### Published pricing grid | Parameter | Value on file | |---|---| | Monthly account fee | **R109** (Gold Cheque tier) | | Visa debit card | Included — contactless, chip and PIN, **Visa** network | | FNB ATM cash | Free within the monthly allowance; **R2.60 per R100** after the cap | | Other-bank ATMs | **R11.00** plus **R2.60 per R100** | | Electronic payments (EFT) | Free and unlimited on Gold | | PayShap instant send | Free to other South African bank accounts | | International card spend | SARB exchange-control rate plus **2.75%** cross-border fee | | Cheque book | Available on request | | Currency | **ZAR (R)** | | Branch code | **250655** | ### Who may open the account - South African citizen, permanent resident, or valid work-permit holder - Minimum age **18** (**16** for designated student packages) - Valid green barcoded ID or Smart ID card - Proof of residential address - Regular income — salary deposit or self-employed inflows - Successful **FICA** identity and address verification ### Documents to prepare Bring your SA ID or Smart ID card, a proof-of-address document such as a utility bill or bank statement dated within the last **three months**, and proof of income where the bank requests it (optional for basic tiers but recommended if you later add credit). ### Compliance identifiers FirstRand Bank Limited trading as FNB lists **FSP 3071** and registered credit provider **NCRCP20**. Branch code **250655** appears on inbound EFT references. Credit bureau partners for lending products are TransUnion SA and Experian SA. ### Operational notes Insufficient funds on a debit order or scheduled payment can trigger a dishonour charge of roughly **R9.20** per returned item. Closing the account with proper notice carries no penalty quoted on the profile. Because this is not a loan, no minimum repayment or interest schedule applies — you simply keep a positive balance or pay the published overdraft fees if the bank grants one separately.

Main Conditions

Borrower Requirements

• •South African citizen, permanent resident or valid work permit holder
• •Minimum age 18 (16 for student accounts)
• •Valid South African ID or Smart ID card
• •Proof of residential address
• •Regular income (salary account or self-employed)
• •FICA compliance (Financial Intelligence Centre Act)

Required Documents

• 📄South African ID or Smart ID card
• 📄Proof of residential address (utility bill or bank statement, not older than 3 months)
• 📄Proof of income (optional for basic account; recommended for credit products)