First Business Zero Account

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QR Speedpoint®

Get paid with QR Speedpoint® available on the FNB App. Simply generate a QR code to accept payments on the go, PLUS there are no sign-up or monthly fees.

View QR Speedpoint® page

Stay connected with an FNB Connect SIM

You could get the following for free every month:

100 MB data
30 voice minutes
30 SMSs

To receive your free monthly FNB Connect SIM bundle you will need to:

RICA your FNB SIM
Activate your account by transferring R500 into it to receive your first allocation
Perform a minimum of one transaction on your First Business Zero Account every month (perform a transaction on the FNB App or Online Banking or via card swipe)

Your debit and SIM card will be delivered by courier.

Manage your cash flow

Our Business Linked Savings Pocket is designed to meet the needs of business owners, by helping you manage your cash flow and derive higher benefit from your cash while still enjoying instant access. By using the Business Linked Savings Pocket you can ring-fence your surplus cash from your day-to-day spending ensuring that your cash is working for you (by earning interest) until you need it. Use the account to build up cash reserves, which are essential to your business.

Account features

Minimum opening deposit of any amount.
Regular transfers allowed.
Linked to your transactional account.
Bank your change option.
Capital and quoted returns are guaranteed.

Interest

Calculated daily and paid monthly.
Interest rates may fluctuate.
Balance tiered.
You can view interest rates on www.fnb.co.za

Discipline

No debit orders allowed.
No card issued on product.
Not a transactional account.

Money in

Add any amount at any time via EFT or transfer via Cheque Account.
Schedule transfers allowed into the account.
No cash deposits.

Money out

Unlimited transfers to the transactional account
Minimum account balance of R0. (Withdraw all the funds without closing the account)

Fees

No monthly account fees apply.
Transactional fees may apply.

Get instant

access to cash.

First Business Zero | R0 - R5m turnover per annum

A perfect start for the digitally savvy sole proprietor

You pay a zero monthly account fee and get free unlimited card swipes.
We set you up for success with a free FNB Connect SIM and access to a QR code.

Apply Now

Tell me more

Apply now!

Transact on the FNB App any time, anywhere.

First Business Zero is a digital solution designed for the sole proprietor who wants to bank on the FNB App any time, anywhere.

Opening a First Business Zero Account is simple. Open the FNB App, select 'First Business Zero Account', upload your documents and start transacting.

First Business Zero is more
than just a bank account

Zero monthly account fee

Pay no monthly account fee and enjoy unlimited free card swipes.

Fast payments

Accept payments with QR Speedpoint® available on the FNB App.

Stay connected

Stay connected with the FNB Connect SIM and you could get a free bundle every month.

Manage your cash flow

Transfer any additional cash into your linked Savings Pocket.

Get business coaching

Access a free business coach any time, anywhere with Fundaba on the FNB App.