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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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

Activate your FNB Connect SIM and get:

  • 1GB data (once-off)
  • 30 voice minutes
  • 30 SMSs

Perform at least one transaction on your First Business Zero Account every month and get the following at no extra cost to you:

  • 400MB 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)
View FNB Connect Rewards FAQs

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.


  • Calculated daily and paid monthly.
  • Interest rates may fluctuate.
  • Balance tiered.
  • You can view interest rates on

Published at 2021-11-19

Amount Nominal Interest Rate (per annum) Annual Effect Rate
R1 - R19 999 2.00% 2.02%
R20 000 - R99 999 2.25% 2.27%
R100 000+ 2.50% 2.53%

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)


  • No monthly account fees apply.


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


  • 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 FNB Virtual Card on the FNB App is a faster, safer and more secure way to pay for online and in-store purchases wherever you are in the world. You can also create an unlimited number of cards at no additional cost to use as you need them.


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.

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!