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Financial planning

Overview

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Full function or limited function cheque cards

  • You can decide whether to give your cardholders full-function or limited-function cheque cards, linked to one of your accounts and set limits and channel type controls: Full-function cards linked to a business's account allows the cardholder to withdraw cash, pay at point-of-sale (POS)devices, obtain balances/mini-statements at FNB ATMs and perform transfers between accounts.
  • You can empower your staff by issuing them with a limited-function cheque card with restricted functionality to protect your business information and funds in the account.

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Company registration

We will help you register your business and business name with CIPC. We will not charge you to facilitate the CIPC registration on your behalf beyond the CIPC registration fee.

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Instant Accounting

Do your business' financial reports for FREE. It is fully integrated with your Online Banking for Business profile, allowing you to generate accurate financial statements and reports effortlessly.

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Online Secure

Protect your card against fraudulent use online. Online Secure uses a One Time PIN (OTP) that is sent to you and comes at no extra cost. To activate Online Secure on your card, you must be an Online Banking user.


Activate your card by logging on to your Online Banking profile and following these prompts:

  1. Log in to FNB Online Banking
  2. Select the My Bank Accounts sub tab
  3. Select the card you would like to activate
  4. Select Activate Now under the Online Secure column
  5. Click I accept and agree to the Disclaimer above
  6. Select Finish on the Activation Results screen

How to use Online Secure when shopping online:

  • Once activated, proceed to the checkout
  • Type in your 16-digit card number when prompted
  • You will then be prompted for a One Time PIN (OTP), which you will receive via SMS
  • Finalise your purchase

Online Secure FAQs

Consumer Disclaimer

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Roadside Assistance

Get linked Petrol Cards with FREE AA Emergency Roadside Assistance for roadside emergencies.

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eWallet Pro

Pay anyone electronically, instantly.

If you traditionally make payments using cash or cheques, FNB can help you to implement a new, cashless payment solution - eWallet Pro.

eWallet Pro does not require a recipient to have a bank account. All your recipient requires is a valid South African cellphone number or a valid Visa prepaid card with a personal identification number (PIN) - which can be issued onsite by you.

The solution allows for once-off or repeat payments to the recipient's cellphone number or prepaid card.

Choose the card best suited to your needs

  • eWallet Pro Card
  • Merchant Restricted Card
  • eWallet Pro International
  • Gift Card

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Business Forex

With FNB Forex, you can apply to send and receive foreign currency payments anywhere, anytime with secure and fast Online Banking for Business. Our import and export solutions help you unlock international markets, by not only catering for your specific needs, but also helping to protect you from the risks associated with global transacting.

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PayPal™

FNB's Top Up and Withdraw with PayPal™ offers you a safe and convenient way to send and receive cross-border payments online without exposing credit card or bank account details.

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Merchant Services

FNB Merchant Services provides specialised card payment acceptance, reconciliation and settlement services across all delivery channels.

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Industry specific banking services

FNB has specialised products and services which are tailor-made to suit the banking needs of specific industries.

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Email statements

Keep track of your business transactions electronically with email statements, delivered to your inbox for FREE.

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inContact Pro

Keep track of money moving in and out of your account. This innovative messaging service helps or enables you to keep track of transactions on your account, via email or SMSs, and you can choose to receive your message during the day, between 7am and 8pm, or 24 hours a day.

Benefits

  • Manage your commercial accounts via instant SMS or email
  • You tell us who you want to receive notifications (multiple cellphone/email addresses)
  • Track financial transactions as they occur
  • Instant alert of payments and withdrawals, locally and abroad
  • Receive a deposit reference description when money is deposited

Terms and conditions apply.

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My Limit Alert

With My Limit Alert, you can always be aware of what's happening with your bank accounts, which enables you to transact and plan accordingly. Note that this service is provided to you at an additional cost.

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My Balance Alert

With My Balance Alert, you can always be aware of what's happening with your bank accounts, which enables you to transact and plan accordingly. Note that this service is provided to you at an additional cost.

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Scheduled Payment Alert

With Alert, you can always be aware of what's happening with your bank accounts, which enables you to transact and plan accordingly. Note that this service is provided to you at an additional cost.

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Terms, conditions + rules apply

View Overdraft costs

Overdraft legal information

View pricing guide

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Overdraft Legal Information

  • Product Terms and Conditions are included in the Facility Letter you receive with your approved overdraft
  • Only after signing the required facility and collateral documentation, will the overdraft facility be made available for use

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Overdraft costs

  • The amount you qualify for, as well as the interest rate, will depend on your credit profile
  • The interest rate will be calculated for you, once your application has been submitted
  • Interest is charged monthly on your Overdraft balance
  • Credit fees will be provided upon application

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Business Overdraft

What the Business Overdraft offers me

  • Accessibility to the required cash flow you need to run your business
  • Payments into the overdraft facility make funds available for use again
  • Flexibility, as you can deal with unexpected expenses and capitalise on any opportunities
  • Monthly repayments are based on the amount of credit you used

What this allows me to do

  • Enjoy FREE access to Instant Accounting - an easy-to-use online accounting solution which uses your FNB Online Banking statements to do your bookkeeping automatically every night
  • Enjoy FREE access to Instant Accounting Insights - giving you a monthly snapshot of your business' cash flow, income and expenses
  • The opportunity to apply for the new FNB Visa Business Cheque Card with Chip and PIN technology, the most secure cheque card available today, that helps your business save money

What does it cost?

  • The amount you qualify for, as well as the interest rate, will depend on your credit profile
  • The interest rate will be calculated for you, once your application has been submitted
  • Interest is charged monthly on your Overdraft balance
  • Credit fees will be provided upon application

Legal

  • Product Terms and Conditions are included in the Facility Letter you receive with your approved overdraft
  • Only after signing the required facility and collateral documentation, will the overdraft facility be made available for use

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eBucks rewards

Qualifying FNB Business Visa Cheque cardholders have access to the award winning SLOW Domestic Lounges and SLOW International, a place where the stresses of travelling can be momentarily forgotten and to SLOW in the City, a home and office in a space to connect and create at discounted rates.

Find out more.

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SLOW Lounges

eBucks Rewards for Business gives qualifying FNB Business cardholders the ability to earn and spend eBucks as a reward for banking with FNB. The eBucks Rewards for Business programme has been improved and provides more ways for businesses to earn and spend eBucks.

Find out more.

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Business Savings Pocket

A Business Savings Pocket links to your Business Account, allowing you to ring-fence funds away from your main transactional account for provision or saving purposes. This helps you manage your cash flow by allowing you to provide for your PAYE, VAT, staff bonuses and other short-term business obligations.

The linked Business Savings Pocket allows you immediate access to your funds, by transferring between your Business Savings Pocket into your Business Account.

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FNB Business Visa Cheque

  • inContact and inContact Pro allow you to track your financial transactions across all your FNB accounts by means of SMS or email. You will be informed of all purchases and withdrawals over R100, and will be able to view your available balances
  • Keep track of your business transactions electronically with email statements, delivered to your inbox for FREE With My Limit Alert, My Balance Alert and Scheduled Payment Alert you can always be aware of what's happening with your bank accounts, which enables you to transact and plan accordingly. Note that these services are provided to you at an additional cost
  • Instant Accounting enables you to do your business' financial reports for FREE. It is fully integrated with your Online Banking for Business profile, allowing you to generate accurate financial statements and reports effortlessly
  • eWallet Pro allows you to pay your staff or other recipients electronically and immediately, even if they don't have a bank account
  • FNB's Top Up and Withdraw with PayPal™ offers you a safe and convenient way to send and receive cross-border payments online without exposing credit card or bank account details
  • FNB Merchant Services provides specialised card payment acceptance, reconciliation and settlement services across all delivery channels
  • With FNB Forex, you can apply to send and receive foreign currency payments anywhere, anytime with secure and fast Online Banking for Business. Our import and export solutions help you unlock international markets by not only catering for your specific needs, but also helping to protect you from the risks associated with global transacting

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Business solutions

Roadside assistance
eWallet Pro
Business Forex
PayPal™
Merchant Services
Industry specific banking services

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We offer you security

Email statements
inContact Pro
My Limit Alert
My Balance Alert
Scheduled Payment Alert

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Qualifying criteria

Is your business one of these?

  • Incorporated businesses
  • Partnerships
  • Companies
  • Close corporations
  • Trusts
  • Co-operatives

Business Account

More than just a Bank Account.

The FNB Business Account is our core business banking product which offers you the stability of a traditional bank account, along with the flexibility of our numerous innovative channels.

Day-to-day transacting

Easy banking makes for easy business

Get an FNB Business Visa Cheque, which can be used to purchase goods and services locally and internationally

Read more

You can empower your staff by issuing them with a limited-function cheque card with restricted functionality to protect your business information and funds in the account



Full-function cards can be issued and linked to the business's accounts allowing the cardholder to withdraw cash, pay at point-of-sale devices, obtain balances/mini-statements at FNB ATMs and perform transfers between accounts



You can easily make once-off and recurring transfers and payments as well as debit and stop orders using Online Banking for Business or Online Banking Enterprise™ ,(our innovative solution for bigger businesses).



What this is

Enjoy full transactional capabilities

When you have Business Visa Cheque Cards issued on your Business Account, cardholders can use this to purchase goods and services locally and internationally.

Rewards

Enjoy Real Value with our rewards

Business Overdraft

Don't be caught short on cash

The Business Overdraft facility is linked to your Business Account and provides the ability to make payments even when there are no cash funds available in your account, thus avoiding penalty fees and additional charges. You only pay for your overdraft, when you use it and there is no minimum monthly payment as long as you remain within the agreed limits.

Business Savings Pocket

Plan your cash effectively

A Business Savings Pocket links to your Business Account.

What's hot

Convenience

Keep track of your business transactions electronically with email statements, delivered to your inbox for FREE.



Easy switching

We will help you switch your recipients and debit orders.



Controls

Be aware of what's happening with your bank account with InContact-Pro, My Limit Alert, My Balance Alert and Scheduled Payment Alert.



Company registration

We will help you register your business and business name with CIPC.



Security

Create a secure password with Online Secure to ensure that online transactions on third-party websites are secure for FREE.



Added value

Instant Accounting enables you to do your business' financial reports for FREE.



What you get

Business solutions
Notifications

Applying made easy

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Find a branch

Contact your FNB Business Banker

Terms, conditions + rules apply

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