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For My Business

< R10m annual turnover

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> R10m annual turnover

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Business Accounts Credit Cards Cash Solutions Merchant Services eWallet Pro Staffing Solutions ATM Solutions Ways to bank Fleet Services Guarantees

Savings and Investments

Save and Invest 3PIM (3rd Party Investment Manager)

Borrow

FNB Cash Advance Overdraft Loans Debtor Finance Leveraged Finance Private Equity Securities Based Lending Selective Invoice Discounting Asset Based Finance Alternative Energy Solutions Commercial Property Finance Fleet Services

Insure

Insurance

For my employees

Staffing Solutions Employee benefits

Forex + Trade

Foreign Exchange Imports and exports Structured Trade + Commodity Finance Business Global Account (CFC account)

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Connect my business the dti initiatives Enterprise and supplier development Business Hub eBucks Rewards for Business DocTrail™ CIPC Integration Channel Instant Accounting Solutions Instant Payroll Instant Cashflow Instant Invoicing SLOW 24/7 Business Desk FNB Business Fundaba nav» Marketplace Prepaid products Accounting integrations

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Philanthropy Chinese Business Islamic Banking Agriculture Public Sector Education Healthcare Franchise Motor Dealership Tourism

Going Global

Global Commercial Banking

Financial Planning

Overview

Bank Better

KYC / FICA Debit order + recipient switching Electronic Alerts

Corporates + Public Sector

Corporate Public Sector

All savings + investment accounts


Cash deposits

Notice deposits Immediate access Access to a portion Fixed deposits

Share investing

Shares

Tax-free investing

Tax-free accounts

Funds/unit trusts

Ashburton specialised products

Invest abroad

Offshore products

I want to save for

Personal goals Child's education Emergencies Tax-free

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What costs can I expect?

Industry Fixed Costs:

Fee Type Payable on
STRATE charges Settlement costs Buying and Selling transactions
Investor Protection Levy (IPL) Buying and Selling transactions
Securities Transfer Tax (STT) Tax on shares transferred on the stock exchange Buying transactions only
Value Added Tax at 14% (payable on brokerage, IPL and STRATE) Buying and Selling transactions

Broker's costs

These are costs that you cannot avoid, although the broker's cost varies between brokerages.

Fee Type Payable on
Brokerage fee Paid to the broker who does the buying for you Buying and Selling transactions

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