Home
Back
First Business Zero Account
 
Home
For Me
& My Family
For My Business
Corporates + Public Sector
Private
Calculators
Rates + Pricing
About FNB + Legal
Contact Us + Tools
Careers at FNB

Close

Close

Please select

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Close

Please select

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Close

Close

Daily Banking

Close

Tools

Register Forgot Username or Password Verify payments

Close

Menu

Bank Family & Life stage solutions Events & Services Bank better

Switch to FNB

Product Shop

Financial Solutions

Bank Invest Borrow Insure Connect

Ways to bank

Digital Banking Branch, ATMs + Telephone Banking + @Till Banking Digital Payment Solutions nav»

Invest abroad

Global Solutions

Financial planning

Overview Personal goals Child's education Emergencies Tax free Estate + legacy planning Employee Benefits

Forex

Foreign exchange solutions

eBucks Rewards

eBucks Rewards SLOW

Switch to FNB

Product Shop

Lifestyles

Family Banking Youth accounts FNB EasyPlan Islamic banking Premier Medical Professionals Premier Select Over 55s Encore - Over 55s Retirement

Switch to FNB

Product Shop

Events

Events

Services

DebiCheck and Debit Order Balance Alert Limit Alert Soccer six Switching Services inContact Payments and Debit Orders Account Closure Guide

Switch to FNB

Product Shop

Bank better

Learn about banking FNB App guides

Close

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)

Transact

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)

Borrow

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

Insure

Insurance

For my employees

Staffing Solutions Employee benefits

Forex + Trade

Foreign Exchange Imports and exports 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 Integration Channel 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

Overview

Bank Better

KYC / FICA Debit order + recipient switching Electronic Alerts

Close

Corporates + Public Sector

Corporate Public Sector

Close

Home Loans

Affordability Bond Calculator

Day to day banking

Budget Future Value Credit Cards

Shares

Share Investor

Vehicle Finance

Vehicle Repayment Vehicle Purchase Price

Close

Product Rates

Save and Invest Transactional Savings Legal Practitioners and General Trust Account Global Accounts

Pricing Guide

Overview

Rates

Foreign Exchange Rates Lending Rates

Indicators and Share Price

SA Indicators

Close

News + Insights

Press Office Economics commentary Insights Business Hub

Close

Terms + Conditions

Product Terms and Conditions Promotions Terms and Conditions Legal Matters

About Us

World of FNB

News + Insights

Press Office Economics commentary Insights Business Hub

FNB Subsidiaries

Botswana Lesotho Ghana Namibia Swaziland Zambia Channel Islands

Close

Talk to us + important numbers

Contact us

Fraud + Disputes

Security Centre

Locators

ATM Locator Branch Locator/Book a Branch Visit eWallet GEO Locator

Tools

Switching Services Track and Trace Lead Form Tracking Upload Documents - For Me Upload Documents - For My Business Reporting a death Software Downloads FNB Approved Suppliers FNB Prospective Suppliers Verify Guarantee Verify Statements Verify Payments Verify Account Confirmation/Visa Application Letters eWallet balance enquiry FML Managed Maintenance enquiry

Close

Careers at FNB

Find out more about careers at FNB Apply here

Close

Close

All savings + investment accounts

Cash deposits

Notice deposits Immediate access Access to a portion Fixed deposits

Share investing

Shares

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

Compare

Additional options

Show me all Help me chosse Find an advisor

Financial planning

Overview

Close

Close

Create & pay with your own virtual card

It's safe

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

It's convenient

Virtual cards can also be used for FNB Pay (Tap to Pay, Scan to Pay) and all partner wallet transactions, including Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay, without the need for a physical card.

FNB Purchase Protect

Get instant insurance for items purchased with your virtual card at no cost to you

Tell me more

Close

An account exclusively for the single-person business owner

Before we get started with the application process, we would like to ensure that this is the best account for you.

As a digitally savvy sole proprietor, do you:

  • Have a business that is not registered with CIPC (Companies and Intellectual Property Commission)?
  • Own and run your business by yourself?
  • Make all the decisions yourself, as the business owner?
  • Accept all risks associated with your business?

Then you are eligible for the FNB First Business Zero Account

Yes, I am a sole proprietor

Not a sole proprietor?

View more business accounts

Close

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

Close

Get rewarded with an FNB Connect SIM

Get rewarded with an FNB Connect SIM

  1. Now on SA's best network. That's extensive coverage across South Africa for you.
  2. Stay connected with WhatsApp messaging, data and voice minutes every month on your FNB Connect SIM.
  3. Order, manage or port your number with ease on the FNB App.
  4. Buy airtime, data, voice or SMS bundles anytime, anywhere using the FNB App. Now available at over 200 retail stores nationwide through Eezi Airtime.
  5. Move up an eBucks reward level with an FNB Connect SIM.

FNB First Business Zero Connect rewards

Get rewarded with WhatsApp messaging*, 400MB data and 35 voice minutes every month on your FNB Connect SIM.

Qualifying criteria

  • Make sure that your FirstRand Bank accounts are active and in good standing.
  • Perform a minimum of one transaction on your FNB First Business Zero Transactional Account every month (perform a transaction on the FNB App or online banking or swipe your FNB First Business Zero card or make a deposit into your FNB Business Zero Account).
  • Spend R1 or more on your FNB Connect SIM Plans.

Note:

Spend is defined as all purchases and/or fees charged to the FNB Connect SIM card account, namely, SIM card subscription fees, recharge fees and purchases, SIM and Connection fees, Call Line Identify (CLI) fees and itemised billing fees. All Top Up Go promo SIM cards that are in use and that were sold with a device will be included in the spend calculation. Top Up plans bundled with devices, device purchases, and all penalty fees are excluded from this spend calculation.

Deposit includes the payment of your salary, other payments or drawings and specifically excludes (but are not limited to) any inter-account transfers. Transfers from mandated accounts will be classified as inter-account transfers (except for spousal accounts).

Only available to one FNB Connect SIM per commercial entity.

*Messages includes all voice notes, messages, sending of video files, pictures/image files, documents files limited to 2GB.

Close

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

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.

Close

Qualifying criteria

First Business Zero is designed exclusively for sole proprietors.

Sole proprietorship is a type of business that is owned and run by one person. There is no legal distinction between the owner and the business entity. A sole proprietor is a business not registered with CIPC (Companies and Intellectual Property Commission). The sole proprietor business owner accepts all risks associated with the business and makes all the business decisions by themselves.

Other business types have access to our Gold Business Account as an alternative.

First Business Zero Account

Designed exclusively for sole proprietors

A sole proprietor is a type of business that is owned and run by one person. There is no legal distinction between the owner and the business entity. With First Business Zero you pay a zero monthly account fee and get free unlimited card swipes.

You are only allowed to have one FBZ account (with exception of a trust account).

Apply Now
Tell me more

Transact on the FNB App any time, anywhere.

First Business Zero is a digital solution designed just for you.

As a sole proprietor who owns and runs your business by yourself, we understand the challenges and time constraints that come from working 'on' your business whilst working 'in' your business. Your are constantly on the move, wishing you had more hours in the day to get through everything.

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

Connect Rewards

Get rewarded with WhatsApp messaging, up to 400MB data and 35 voice minutes per 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.

Applying made easy

Apply Now

Qualifying criteria

   Pricing Guide

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