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
Email: webmaster@transunionitc.co.za
Operating hours: Monday to Friday 08h00 to 17h00 and Saturdays from 08h00 to 13h00
FNB has physical, technological and procedural security safeguards in place and will use its best endeavours to protect your personal information.
What is personal information? Personal information refers to information that identifies or relates specifically to you, for example, your name, age and identity number, your assets and liabilities, your income and your payment records. Any information about what you buy, where you shop, where you bank, how you invest and all related information will also be regarded as personal information. In short, any information that we know about you will be regarded as your personal information.
Whenever you use this website, complete an application form, contact us electronically, or use one of the services or facilities offered by us or any affiliate party, we will collect your personal information.
To make your use of this website and all products and services offered on this website as successful and pleasurable as possible, it is necessary for us to find out exactly what you need and want from us.
The following are reasons why we would collect your personal information:
Once we have collected and analysed your personal information, we may send you promotional material or details which we think may be of interest to you. If any of this promotional information relates to products, promotions, news or services of an affiliate party, and if you indicate that you would like more details, we may inform the affiliate party to contact you directly. We will however, only inform an affiliate party to contact you directly if you have indicated that this is agreeable to you.
Your privacy is important to us. We will therefore not sell, rent or provide your personal information to unauthorised entities or other third parties, for their independent use, without your consent.
If at any stage, after you have given us your consent, you no longer wish us to use or share your personal information with an affiliate party; you may at any stage withdraw your consent.
We value the information that you choose to provide us with and will therefore take reasonable steps to protect your personal information from loss, misuse or unauthorised alteration. The information we maintain concerning our customers is stored in databases that have built-in safeguards to ensure the privacy and confidentiality of that information. When you use the services or facilities provided by us, you may be given an access number, user name, password and/or personal identification number (PIN). You are responsible for maintaining the secrecy and confidentiality of your user name, access card, password and/or personal identification number ('PIN').
If you ever want to update or correct any of your personal information held by us, kindly contact us at the Internet banking helpline on 0860 11 22 44. Alternatively, you can update and correct your information yourself by logging onto Internet Banking. Personal information held by or disclosed by you to a third party. Because we are not responsible for any representations or information or warranties or content on any website of an affiliate party (including websites linked to this website or websites facilitated by us), we do not exercise control over affiliate parties' privacy policies and you should refer to the privacy policy of any such affiliate party to see how such party protects your privacy.
You agree that we shall be entitled to send 'cookies' from this website to your computer. We use the word 'cookie' to refer to information that is sent from this website to your hard drive, where it is saved and contains information to personalise your experience on this website. In this way, the next time you use this website we will know who you are and that you have visited this website before.
We will process your PI, including if:
The grounds are similar to those for PI and could also include:
We will process childrens's PI, including if:
We obtain PI from, including:
Third parties from whom we can get your PI/whose PI we can obtain from you includes:
The reasons include to provide you with:
To inform you about our beneficial products and services. You may request us to stop marketing to you at any time.
We may make automated decisions, this means we use PI to reach an answer without humans involved, where the law allows. This decision may influence you and you may query this.
Example: approval or decline a credit application.
Generally we will only share your PI/SPI if:
Who we share PI with
If we share your PI, the receiver of the PI has a duty to keep the PI confidential and secure.
Some of the persons we may share your PI with:
We may access your credit bureau information where permissible in law including for example in considering your credit application or verifying your details.
We will transfer your PI cross border:
We will always use safe PI transfer and storage practices.
Duties
Rights
You can refer to our PAIA manual to fulfil your rights of access.
View PAIA manual
We do not only process the PI of a juristic person but also the PI of person/s related to that juristic. Our Privacy Notice and the processing practises will also apply to this/these person/s.
For inter-banking relationships and trade account purposes.
PI refers to any information that identifies you or specifically relates to you. It also includes SPI.
At the time we collect your PI we have a reason. However, we may later use your PI for other reasons. We will do this if the law allows.
We may also further process your PI if:
Your PI may be processed by the FirstRand group of companies in processes and systems that are managed centrally.
We collect your PI from our partners, suppliers, our rewards programme's retail, online and strategic partners and our service providers for the purpose of managing the eBucks Rewards Programme.
A cookie is a small text file stored on your device by the website you are visiting. It helps the website to remember information about your device and how you use the website.
We use this information to make your visit to our site as easy and useful as possible.
First-party cookies
First-party cookies are directly stored by the website visited by a user. These cookies allow website owners to collect analytics, data, remember language settings or perform other useful functions that provide a good user experience.
Third-party cookies
Third-party cookies are created by domains different from the website that the user is visiting. These cookies are usually used for online advertising, cross-site tracking; and are accessible on any website that loads the third party's server code.
We use cookies which identify the user of a device for lawful purposes, which may include the following:
Clearing or disabling cookies may limit your banking functionality.
You can limit the collection of your information by disabling cookies on your browser. You may also be able to modify your browser settings to require your permission each time a site attempts to set a cookie.
However, our website(s) (and many other websites) rely on cookies to enable certain functionality. If you choose to disable cookies, some of the services available on our website may not work properly.
As cookies are stored in text files, they cannot be used to distribute viruses to a device.
The FirstRand Group follows a multi-branding approach, some of the major brands in the group are shown below.
Our Privacy Notice governs the way we, as the FirstRand Group, treat your personal information. We
respect your privacy and treat your personal information as confidential. Our Privacy Notice explains how
we use, collect and share your personal information.
The FirstRand Group is a group of entities, some of which operate in other countries.
Our Privacy Notice governs the way the FirstRand Group ('we', 'our', 'us') treat your personal information ('PI'). We will only process your PI if it is legal. We respect your privacy and will treat your PI confidentially. Your trust is important to us.
Some general rules we apply to keep your trust
Our Privacy Notice is applicable to individuals and juristic persons and applies to all processing of PI.
Both words have specific meaning in terms of South African Law. A juristic person is a company or an entity that has a
separate legal personality from you.
