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Money on Call

  • Minimum R0 opening balance
  • Offers immediate access to money
  • The ability to add money at any time
  • Negotiated interest rates

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7 Day Notice

  • Minimum R20 000 opening balance
  • Offers access to money after 7 days notice
  • Ability to add money electronically at any time
  • Interest rates increase twice - once after 32 days, and again after 64 days
  • Interest rates are tiered based on the amount invested
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32 Day Interest Plus

  • Minimum R100 opening balance
  • Offers access to money after 32 days notice
  • Ability to add money at any time
  • Interest rates increase twice - once after 32 days, and again after 64 days
  • Interest rates are tiered based on the amount invested

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Fixed Deposit

  • Minimum R10 000 opening balance
  • Invest from 7 days to 60 months
  • Earn a fixed interest rate over a fixed period
  • Interest rates are tiered based on the amount invested
  • Additional deposits are allowed at maturity
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Introduction to 3PIM

3rd Party Investment Manager

Easily manage accounts online

3PIM is an online system that enables you to invest your clients' money into a number of investment accounts.

What this is
Get in touch

What this is

An easy investment manager

3rd Party Investment Manager (3PIM) is an online system that allows you as an FNB client to open, manage, close and invest your clients' money into a number of investment accounts.

What 3PIM offers your business

  • An online solution to open, manage and close 3rd party accounts on your clients' behalf
  • Online access to all accounts through your FNB Online Banking Enterprise™ solution, paired with full functionality to manage your clients' details therein
  • A range of investment products are available to choose from based on your clients' requirements
  • The benefit of a negotiated call account interest rate; based on the total balances in your portfolio
  • The option to charge a management fee for the administration of your clients' funds
  • Automated online generation and archiving of statements
  • The ability for attorneys to create Letters of Undertaking (LoUs) in real time to issue cash-backed property guarantees
 
Is this for you

Is this for you?

An efficient, convenient system

The 3PIM solution will work for you if

  • You manage entrusted money as part of your business
  • You need to manage multiple investment accounts on behalf of your clients
  • You are an attorney, property manager, estate agent or financial services provider
  • You are registered as an accountable institution in terms of the FIC Act
  • You require an online solution to manage your clients' money
 
The benefits
 

The benefits

Manage online, in real time

3PIMs offers unique benefits

 
  • No additional software or logins are required, as the system is integrated into FNB's existing Online Banking Enterprise™ solution
  • It requires no input, or assistance, from an FNB bank representative to implement or use.
  • Built in segregation of duties to ensure greater internal security and efficiencies
  • Various account types can be opened online, in real time and managed separately
  • Funds carry no market risk as capital and quoted returns are fully guaranteed
  • Benefit from a negotiated Call Account interest rate; based on the total balances in your portfolio
  • Accurate tax reporting to SARS through eFiling
  • Ability to make use of multiple 3PIM structures, which is ideal for businesses that have regional offices
Available accounts

Available accounts

Find a suitable solution

The following accounts are available to be opened on 3PIM

Money on Call

The ability to add money at any time. Negotiated interest rates.

Read more

7 Day Notice

Offers access to money after 7 days notice. Interest rates are tiered based on the amount invested.

Read more

32 Day Interest Plus

Offers access to money after 32 days notice. Interest rates are tiered based on the amount invested.

Read more

Fixed Deposit

Invest from 7 days to 60 months. Additional deposits are allowed at maturity.

Read more

Attorney benefits

Attorney Benefits

Ensure the flow of funds

As an attorney, 3PIM offers various benefits

  • The system offers a structure specifically built to ensure funds always flow through your section 78(1) Trust Account
  • Option to automatically calculate and sweep net interest from the Attorney's Section 78(1) Trust Account to the Law Society
  • Ability to issue, pay or cancel Letters of Undertaking (cash backed property guarantees) instantly with no FNB intervention

Letters of Undertaking (LoUs)

  • Letters of Undertaking are issued online, for free
  • Multiple LoUs can be issued against one investment account
  • Flexibility to customise your property clauses displayed on the letter
  • Beneficiary alerts for issued, cancelled or expired LoUs
  • Beneficiaries are able to independently verify issued LoUs online
Verify Letters of Undertaking
 
Getting it made easy

Getting it made easy

3rd Party Investment Manager

Qualifying criteria

  1. Proof of accountability in terms of the FIC Act (e.g.Fidelity Fund or FSB Certificate)
  2. Business Transactional and FNB Trust Account
  3. Online Banking Enterprise™

Ways to apply

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Other ways to apply

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First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).