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Get in touch

FNB is here to help you. Do you know that in terms of the National Credit Act No.34 of 2005, you are entitled to one Credit Report once a year, in your month of birth.

Apply here for your Credit Bureau Report

If you need additional reports

You may obtain these at any other time against payment of the Credit Bureau Fee.

Please direct any queries with regard to the Credit Bureau Report to:

Telephone: +27 (0) 11 214 6000/0861 482 482


Operating hours: Monday to Friday 08h00 to 17h00 and Saturdays from 08h00 to 13h00

Consumer rights

Credit bureaus: The Act gives consumers the right to access and challenge their credit record and information held by credit bureaus. In addition, all information that credit bureaus keep about consumers is regulated.

Language: Consumers have the right to receive documents in plain and understandable language and they may also request a document in any one of two official languages.

Marketing practices

The Act aims to put a stop to misleading advertising around credit, credit products and facilities, and the cost of credit.

  • Negative option marketing (whereby an agreement will automatically come into existence unless an offer is specifically declined) is not allowed
  • Phrases like 'no credit checks', 'free credit', and 'guaranteed loans' cannot be used. Marketing of credit at the consumer's home or workplace is prohibited without the consumer's consent.
  • Consumer choices must be obtained and kept as a record.


All new credit agreements need to disclose interest rates, fees and additional charges and also subjects interest rates charged to a maximum rate of interest that may be charged.

These cost controls prohibit interest or other costs in excess of those prescribed rates.

Add-on costs for insurance are prohibited. All costs must be advised in advance and the consumer has the right to arrange insurance directly, rather than pay the credit provider to do so, and to choose to arrange his or her own insurance policies.

Applying for credit under the NCA

  • Pre-agreement: The credit provider must provide the consumer with a pre-agreement, containing the main features of the proposed agreement and a quotation of the costs. This pre-agreement is valid for 5 days and gives consumers an opportunity to shop around for the best deal.
  • Credit assessment: The consumer will be required to provide certain information in order for the lender to assess affordability. This may include a detailed statement of income and costs, a household budget and details of other credit commitments.
  • Credit bureaus: The Act requires the credit provider upon entering or amending or terminating a credit agreement to report the transaction to a credit bureau.
  • Records of application: Credit providers will be required to keep records of all applications for credit, credit agreements and credit accounts for a prescribed time.
  • Payment of accounts: A consumer may pre-pay any amount owing at any time, and fully pay out the account at any time without penalty, except in the case of mortgage bonds or agreements in excess of R250 000, which are subject to a termination charge of not more than three months interest.
  • Spouse's written consent: For marriages in community of property, the Matrimonial Property Act, following from a consequential amendment made by the NCA, requires the written consent of the spouse, when one spouse applies for credit.

Over-indebtedness and reckless lending

The Act aims to promote responsible credit granting and use.

To achieve this, when a customer applies for credit, a credit provider would need to check whether the consumer can afford the credit because if no check is done or if it can be shown that the consumer clearly could not afford to repay the credit agreement, it could be alleged that the credit provider has granted the credit recklessly, with severe consequences to that credit provider.

During this affordability assessment, the onus is on the consumer to fully and truthfully answer any request by the credit provider for information. In the case where a consumer gets into too much debt, a debt counselling service is offered.


The National Credit Regulator will monitor credit providers and their compliance with the Act and regulations.

A National Consumer Tribunal is established to adjudicate in a wide variety of applications, and to conduct hearings into complaints.

The National Credit Act (NCA)

We aim to meet your credit needs in a responsible manner

First National Bank, as a registered credit provider, fully supports the National Credit Act.


What this is

Protecting the consumer in the credit market


In a nutshell, the Act:

  • Provides one set of rules for all credit activities,
  • Aims to prevent reckless lending, over-indebtedness and unfavourable lending practices, and
  • Establishes new and improved rights for credit consumers.

View The NCA

View the FNB NCA Language Policy

Who the Act applies to

The NCA applies to credit agreements with all consumers entered into after 0I June 2007, and to entities whose asset value or annual turnover is below R1 million, such as:

  • Close corporations
  • Companies
  • Partnerships
  • Trusts

How this affects you

Promoting + advancing social and economic welfare

This new legislation will affect you if you are applying for any of the following types of products


A short-term credit facility to cover unforeseen expenses or to serve as a safety net

Credit cards

A credit card can be a convenient way to pay for almost anything, from a new pair of shoes to a holiday in the sun without having to use cash

Instalment agreements

A sale of movable property where the payment of the full price of the goods is delayed and is to be paid out in regular payments over an extended and agreed period


A legal agreement by which a bank, building society, etc. lends money at interest in exchange for taking title of the debtor's property

Financial leases

A type of lease in which a finance company is typically the legal owner of the asset during the duration of the lease

NCA explained

Consumer rights

Access to credit bureaus + language options

Read more

Marketing practices

Put a stop to misleading advertising around credit

Read more


New credit agreements need to disclose interest rates, fees + added charges

Read more

Applying for credit under the NCA

Designed to protect the consumer

Read more

Over-indebtedness + reckless lending

A debt service is offered

Read more


Monitoring compliance

Read more