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For My Business

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> R10m annual turnover

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Get in touch


Email 3pim@fnb.co.za

Contact your FNB Relationship Manager
087 730 5868

Visit your nearest FNB branch

Money on Call


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

  • Minimum R1 opening balance
  • Offers immediate access to money
  • The ability to add money at any time
  • Negotiated interest rates

Access with notice


7 Day Notice

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

  • 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

32 Day Interest Plus

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

  • 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

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

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

Fixed Deposit


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

  • 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

48 Hour Cash Accelerator


Earn interest and get access to your money after 2 days' notice.

  • Minimum opening deposit of R100 000
  • Earn a tiered interest rate based on the amount you invest
  • Access your money with just 2 days' notice
  • Add money at any time
  • Manage your account digitally

Cash Intelligence Investment


Tracks the daily performance of a portfolio of money market instruments in South African Rand.

  • Minimum opening deposit of R1 000 000
  • Capital and quoted returns are 100% guaranteed.
  • Add money at any time from anywhere
  • There are no monthly fees
  • The rate received is the weighted average return of a variety of cash deposits and moves on a daily basis, based on the performance of each deposit on the day

Lifestyle solutions


Islamic Call

Earn a Shari'ah compliant profit share on a monthly basis with immediate access to your funds.

  • Minimum R1 opening balance
  • Offers immediate access to money
  • The ability to add money at any time
  • Negotiated profit share rates

Islamic 48 Hour Accelerator

Earn an indicative profit share and get access to your money after 2 days' notice.

  • Minimum opening deposit of R100 000
  • Profit share rates are based on the amount you invest
  • Access your money with just 2 days' notice
  • Manage your account digitally
  • Reinvest or transfer your Profit share to another account

Find a branch


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


An easy-to-use investment platform

3rd Party Investment Manager (3PIM) is an online system that allows you as an FNB client to independently invest and manage your clients' money into a range 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 legal practitioners to issue cash-backed property guarantees in real time at no cost.
 

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 a legal practitioner, property manager, estate agent, financial services provider or insolvency practitioner
  • 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


Online account management in real time

3PIM 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


Find a suitable solution

Money on Call

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

Read more

48 Hour Cash Accelerator

Earn interest and get access to your money after 2 days' notice.

Read more

Access with notice

Access money after 7 days' or 32 days' notice. Interest rates are tiered based on the amount invested.

Read more

Cash Intelligence Investment

Tracks the daily performance of a portfolio of money market instruments.

Read more

Fixed Deposit

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

Read more

Lifestyle solutions

Earn a Shari'ah compliant profit share, with immediate access to your funds, or after 2 days'.

Read more

Legal Practitioner benefits


Compliance with the Legal Practitioners Act

As a legal practitioner, 3PIM offers various benefits

  • The system offers a structure specifically built to ensure funds always flow through your section 86(2) Trust Accoun
  • Option to automatically calculate and sweep net interest from the Legal Practitioner's section 86(2) Trust Account to the Legal Practitioners Fidelity Fund
  • Automatic sweeping of 5% of interest earned on all investments opened in terms of section 86(4) of the Legal Practice Act No. 28 of 2014, to the Legal Practitioners Fidelity Fund
  • Ability to issue, pay or cancel cash backed property guarantees instantly with no FNB intervention

Cash-backed Property Guarantees

  • Cash-backed Property Guarantees are issued online at no cost
  • Multiple Cash-backed Property Guarantees can be issued against one investment account
  • Flexibility to customise your property clauses displayed on the guarantee letter
  • Beneficiary alerts for issued, cancelled or expired Cash-backed Property Guarantees
  • Beneficiaries are able to independently verify issued Cash-backed Property Guarantees online
Verify Cash-backed Property Guarantee
 

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

Contact us

Find a branch