Card FAQs
Your CVV number changes every hour. Create, cancel, delete or block your card at any time.
Virtual cards can also be used for FNB Pay (Tap to Pay, Scan to Pay) and all partner wallet transactions, including Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay, without the need for a physical card.
Get instant insurance for items purchased with your virtual card at no cost to you
Tell me moreBefore we get started with the application process, we would like to ensure that this is the best account for you.
As a digitally savvy sole proprietor, do you:
Then you are eligible for the FNB First Business Zero Account
Not a sole proprietor?
Get paid with QR Speedpoint® available on the FNB App. Simply generate a QR code to accept payments on the go, PLUS there are no sign-up or monthly fees.
View QR Speedpoint® pageWhat you can enjoy with FNB Connect
Get rewarded:
All new to FNB Connect Customers will get a complimentary once-off data, voice minutes and SMS allocation loaded within 5 working days of activating your FNB Connect SIM.
What you get:
Perform at least one transaction on your First Business Zero Account every month and get the following at no extra cost to you:
To receive your free monthly FNB Connect SIM bundle you will need to:
Your debit and SIM card will be delivered by courier.
Our FNB Business Call Account is designed to meet the needs of business owners, by helping you manage your cash flow and derive higher benefit from your cash while still enjoying instant access. By using the FNB Business Call Account you can ring-fence your surplus cash from your day-to-day spending ensuring that your cash is working for you (by earning interest) until you need it. Use the account to build up cash reserves, which are essential to your business.
Account features
Interest
Published at 2023-05-26
Balance | Rate | Effective Rate |
---|---|---|
R1 - R19 999 | 6.50% | 6.70% |
R20 000 - R99 999 | 6.75% | 6.96% |
R100 000+ | 7.00% | 7.23% |
Nominal rate per annum (NACM): This is the annualised interest rate that you will earn daily and is capitalised monthly. This rate does not take into account the compounding interest effect.
Annual Effective Interest rate: Annualised interest rate that takes into account the compounding interest effect for one year assuming interest is not withdrawn.
Money in
Money out
Fees
Discipline
Access
First Business Zero is designed exclusively for sole proprietors.
Sole proprietorship is a type of business that is owned and run by one person. There is no legal distinction between the owner and the business entity. A sole proprietor is a business not registered with CIPC (Companies and Intellectual Property Commission). The sole proprietor business owner accepts all risks associated with the business and makes all the business decisions by themselves.
Other business types have access to our Gold Business Account as an alternative.
First Business Zero Account
A sole proprietor is a type of business that is owned and run by one person. There is no legal distinction between the owner and the business entity. With First Business Zero you pay a zero monthly account fee and get free unlimited card swipes.
First Business Zero is a digital solution designed just for you.
As a sole proprietor who owns and runs your business by yourself, we understand the challenges and time constraints that come from working 'on' your business whilst working 'in' your business. Your are constantly on the move, wishing you had more hours in the day to get through everything.
Opening a First Business Zero Account is simple. Open the FNB App, select 'First Business Zero Account', upload your documents and start transacting.
Pay no monthly account fee and enjoy unlimited free card swipes.
Get rewarded with data, voice minutes and SMSs every month on your FNB Connect SIM.
Read moreAccess a free business coach any time, anywhere with Fundaba on the FNB App.
Read moreThe new virtual card on the FNB App is the faster, safer and more secure way to pay for online purchases wherever you are in the world.