High excessive Fees on Toll Gates

Item: FNB (First National Bank)
Rating: 1
Author: Halalisani Doctor Langa Docterhalalisani

Good Day,

I would like to raise a concern regarding an excess item fee that was charged on my FNB Business Gold Account. I recently used the account at toll gates while the account was on overdraft, which cost R270. However, I was additionally charged an excess item fee of R815. This is the first time such a charge has occurred, and I am extremely disappointed as I was not aware that a single transaction would result in such a high penalty.

Furthermore, I am concerned by the communication I received regarding the possible closure of my account, even though I pay my monthly fees consistently. The account may not be very active, but I have maintained it responsibly and did not expect this level of service or penalties.

I kindly request the following:

A review and reversal of the R815 excess item fee, considering this is the first occurrence.

Clarification on how these fees are calculated.

Confirmation that my account will not be closed without proper consultation and assistance.

I trust FNB will treat this matter with urgency and fairness.

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Replies (1)

HDLD

Halalisani Doctor Langa Docterhalalisani's updateReviewer Update

09 Dec 2025, 15:30

Good Day,

I am writing to raise a formal complaint regarding the recent excess item fee charged on my FNB Business Account.

My account was charged R815 as an excess item fee after I used my overdraft at a toll gate that cost only R270. This is the first time such a fee has ever been app**** to my account, and at no point was I informed that toll transactions would attract an additional fee of R155 per item, which is effectively an 81% extra charge.

This new pricing structure was not communicated clearly to business account holders, and it feels unfair and misleading, especially to small businesses who rely on transparency to manage their cash flow. I have previously used tolls on overdraft with no excess fees, so this sudden change appears inconsistent and questionable.

Furthermore, despite paying the monthly business account fee of R99, there seems to be no benefit or value returned to small business customers, yet we are penalized heavily for minor overdraft usage.

I request the following:

A full explanation for this excess item fee and why it was not properly communicated.
A reversal of the R815 fee, as this was the first occurrence and caused by unclear communication.
Confirmation on the current fee structure for all overdraft-related transactions, especially toll payments, so I can manage my business finances accurately.

I am extremely disappointed by this experience, and the threat to close my account despite it being active and paid monthly is unacceptable. Please treat this matter as urgent. Kind regards,

H LANGA
Business Account Number: ***

HDLD

Halalisani Doctor Langa Docterhalalisani's update09 Dec 2025, 15:30

Reviewer Update

Good Day,

I am writing to raise a formal complaint regarding the recent excess item fee charged on my FNB Business Account.

I request the following:

A full explanation for this excess item fee and why it was not properly communicated.
A reversal of the R815 fee, as this was the first occurrence and caused by unclear communication.
Confirmation on the current fee structure for all overdraft-related transactions, especially toll payments, so I can manage my business finances accurately.