Please select

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Please select

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Switch to FNB Business

Product shop

By Turnover

First Business Zero (R0 - R5 million p.a) Gold Business (R0 - R5 million p.a) Platinum Business (R5 million - R60 million p.a) Enterprise Business (R60 million - R150 million+ p.a)


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)


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



For my employees

Staffing Solutions Employee benefits

Forex + Trade

Foreign Exchange International Trade Structured Trade + Commodity Finance Business Global Account (CFC account)

Value Adds + Rewards

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

Industry Expertise

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

Going Global

Global Commercial Banking

Financial Planning


Bank Better

KYC / FICA Debit order + recipient switching Electronic Alerts

Switch to FNB

Product Shop

Corporates + Public Sector

Corporate Public Sector

Switch to FNB

Product Shop

Private Banking

Private Banking

All savings + investment accounts

Cash deposits

Notice deposits Immediate access Access to a portion Fixed deposits

Share investing


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

Compare similar


Additional options

Show me all Help me chosse Find an advisor

Financial planning



Customer stories

Building a legacy, inspiring a community with Mthembu Lounge

Stitching together a stronger community

It was over 20 years ago in Umlazi, KZN, when Mthembu's Lounge served its first customer. Today, it's run by the passionate Sicelo Mthembu who in the beginning was a child, eagerly watching his mom and dad create what has become an incredible example of a thriving family business. The popular meeting place, well-known in the local area and surroundings has expanded far beyond its beginnings as a spaza shop. In fact, even its shop, which now supplies groceries, airtime, travel bookings and bill-payments to the community, has flourished as part of a bigger vision.

Surviving the ultimate test

After his father passed away in 1996, Sicelo watched his mom give years of tireless service to the business. In 2018, he took the lead to build upon that legacy with ambitious and well-considered expansion plans. This included the integration of technology such as FNB Speedpoint ® devices to enhance the ability to serve the increasing number of customers. The impact of the devices was immediate and positive. Unfortunately, soon after he took the reins that Sicelo and the family would be put to the ultimate test.

In 2020 the business had to cease operating, literally overnight, as unexpected, and severe lockdown restrictions were suddenly enforced in response to the Covid-19 pandemic. Mthembu's Lounge, like all businesses in the sector went silent - a devastating blow to any growth plans. As businesses around Umlazi shut their doors permanently one by one, and with customers and staff struggling to survive, Mthembu's Lounge could so easily have been another statistic. It was however purely through the family's ability to adapt and their foresight of ensuring the business had savings to fall back on, that it could weather the storm. Since then, the customers have happily returned and the staff serve them with a sense of gratitude.

Flying the flag even higher

Having experienced the benefits of sound financial planning Sicelo's relationship with his FNB business manager is stronger than ever. According to Sicelo, 'It's important for Mthembu's Lounge to have FNB as a partner, as one of the key things you need in a business is reliability. FNB makes things much easier, faster and efficient. Even details like separating your business from your personal accounts gives you the power to more wisely monitor your spend.'

Innovative products tailored to Mthembu's Lounge make all the difference. Sicelo concluded by saying, 'My parents had already chosen FNB as a partner since the beginning, which is why I appreciate my conversations with FNB even more, including the details that make a difference like using our eBucks to pay for fuel.'

For every business, a lasting and beneficial partnership is built on a clear direction, planning for the unplanned and adapting boldly to change. Owners like Sicelo are clear proof that partnerships and conversations change everything, and how legacies are created.

Visit the Mthembus-Lounge Facebook page for more information

Learn more about FNB Business