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

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Corporates + Public Sector

Corporate Public Sector
 

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Find a branch


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:

  • Activate 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 or via a deposit)

Your debit and SIM card will be delivered by courier.

Manage your cash flow


Our FNB Business Call Account 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 FNB Business Call Account 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 R1.
  • 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

Published at 2021-07-01

Amount Nominal Interest Rate (per annum) Annual Effect Rate
R1 - R19 999 1.75% 1.76%
R20 000 - R99 999 2.00% 2.02%
R100 000+ 2.25% 2.27%

Nominal rate per annum (NACM): This is the annualised interest rate that you will earn daily and is capitalised monthly. This rate does not take into account the compounding interest effect.

Annual Effective Interest rate: Annualised interest rate that takes into account the compounding interest effect for one year assuming interest is not withdrawn.

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.

Discipline

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

Access

  • Enjoy instant access.

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 to accept payments on the go.

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.

Read more

Stay connected

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

Read more

Manage your cash flow

Transfer any additional cash into your FNB Business Call Account.

Read more

Get business coaching

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

Read more

Create & pay with your own
virtual card


The new virtual card on the FNB App is the faster, safer and more secure way to pay for online purchases wherever you are in the world.

It's safe

Your CVV number changes every hour. Create, cancel, delete or block your card at any time.

It's convenient

For online purchases and subscriptions - no need for a physical card. Add unlimited virtual cards for FREE.

Earn eBucks

Make your money go further and earn eBucks while you spend online.

Applying made easy


First Business Zero Account

Qualifying criteria

First Business Zero is designed
exclusively for sole proprietors. Sole
proprietorship is a type of enterprise that
is owned and run by one person and in
which there is no legal distinction
between the owner and the business
entity (like a Pty). We do offer Gold
business as an alternative.

How to get it

Apply now!