General Trust Account

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Financial planning

Overview

FNB Business Visa Cheque

inContact and inContact Pro allow you to track your financial transactions across all your FNB accounts by means of an 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 in 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's 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

Business Overdraft

What the Business Overdraft offers

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 opportunities
Monthly repayments are based on the amount of credit you used

What you can 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's 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

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

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

Roadside Assistance

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

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

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.

PayPal™

PayPal™ is a secure global online payment system that allows users to receive and make payments for goods and services with other PayPal™ account holders without exposing your credit card or bank account number. Over a 100 million people use PayPal™ to send and receive money.

FNB's Top Up service with PayPal™ allows FNB customers to top up funds to a PayPal™ account via a qualifying FNB account.

Merchant Services

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

Industry specific banking services

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

Email statements

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

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 SMS, 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 from (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

My Limit Alert

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

My Balance Alert

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

Scheduled Payment Alert

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

General Trust Account

Legal control of assets

For clients whose profession requires them to hold funds on behalf of a third party, e.g. sheriffs of the court; accountants; debt collectors and estate agents/managing agents

Keep your third-party funds completely separate

How it works
Key features
Applying made easy
Apply now!

How it works

Apply now!

How it works

Protect + control trust funds

The funds contained in this account are not owned by the principal client as they are only controlled by virtue of a fiduciary relationship. It is used by the client to hold funds on third parties' behalf.

No cards or overdrafts are available for these accounts to protect the integrity of audit trails and control of the trust funds.

Trust accounts benefit from a lower negotiated rate.

Key features

Benefits to your business

An account that offers you features to suit your business.

Clear audit trail

There is a clear audit trail of all credit interest, transaction costs and VAT to assist clients when they are required to account for them.

Trust-specific fees

The fee structure on the trust account is catered to the holding of trust money.

Statement reconciliation

All transactions are reflected on the bank statements for ease of reconciliation.

Applying made easy