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

Gold Business | Business Banking Accounts | FNB
Home
Back
Gold Business
 
Home
For Me
& My Family
For My Business
Corporates + Public Sector
Private Banking
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 Young Professionals 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 LOTTO and PowerBall Prepaid products Soccer six Traffic fines Debit order switching inContact Online vouchers Payments and Debit Orders DStv Payments 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 Vumela 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 International Trade 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 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

Switch to FNB

Product Shop

Corporates + Public Sector

Corporate Public Sector

Close

Switch to FNB

Product Shop

Private Banking

Private Banking

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

Debit order switching 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

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.

Earn eBucks

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

FNB Purchase Protect

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

Tell me more

Close

What would you like to do?

Close

FNB makes transacting easy

  • 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
  • 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

Close

Find a branch

Close

Qualifying criteria

Best suited to businesses with an annual turnover of R0 - R5 million

Close

Quick guide

Applying for a Business Cheque Account online made easy.

Quick guide

Close

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

Close

eBucks Rewards for Business

eBucks Rewards for Business gives qualifying FNB Business card holders 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

Close

Close

Close

Business Savings Pocket

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

Close

Pricing Comparison Gold Business Account

Pay As You Use
Description You pay a lower monthly fee and are charged per transaction that you do, as per the schedule of fees available on the Pricing Guide
Best Suited
  • If you prefer to be charged for each transaction that you do
  • If you have a low volume of transactions per month
Monthly fee R75
Debit Orders and Electronic Payments
  • Debit Orders: R18.00
  • Electronic Payments: R9.10
Electronic Pay & Clear Now R45
Free Transactions N/A
Single Fee Pricing Option 1*
Description You pay a monthly fee upfront and will only need to monitor your transaction fees once the thresholds have been exceeded each month. Per-item billing will only commence once you exceed your threshold limits
Best Suited
  • If you have an average of one electronic transaction per day
  • If you have R50 000 or less cash deposited at a FNB ATM per month
  • If you do not use the FNB branch often
  • If you swipe your FNB Business Cheque cards on a regular basis
Monthly fee R235
Debit Orders and Electronic Payments 30 transactions which include amaximum of 5 FNB ATM cash withdrawals
Electronic Pay & Clear Now 3 Free
Free Transactions POS Purchases
Electronic Transfers
Prepaid Purchases
Balance Enquiries (POS)
Single Fee Pricing Option 2*
Description You pay a monthly fee upfront and will only need to monitor your transaction fees once the thresholds have been exceeded each month. Per-item billing will only commence once you exceed your threshold limits
Best Suited
  • If you have several electronic transactions on average per day
  • If you have R100 000 or less cash deposited at a FNB ATM per month
  • If you do not use the branch often
  • If you swipe your FNB Business Cheque cards on a regular basis
Monthly fee R350
Debit Orders and Electronic Payments 50 transactions which include a maximum of 10 FNB ATM cash withdrawals
Cash desposited at FNB ATM only Free cash deposits up to R100 000 per month (cumulative)
Electronic Pay & Clear Now 3 Free
Free Transactions POS Purchases
Electronic Transfers
Prepaid Purchases
Balance Enquiries (POS)

*Please refer to the pricing guide for a list of fees charged above the transaction threshold limits.
This is a summary of fees to use for comparison purposes only. For a comprehensive list of fees please visit the FNB website and view the Pricing Guide .

Close

Savings Pocket Rates

Balance Rate
R1 - R999 0.45%
R1,000 - R9,999 0.45%
R10,000 - R19,999 0.6%
R20,000 - R49,999 0.8%
R50,000 - R99,999 0.8%
R100,000 - R249,999 0.8%
R250,000 - R499,999 0.8%
R500,000 - R999,999 1%
R1,000,000 - R1,999,999 1.1%
R2,000,000 - R2,999,999 1.2%
R3,000,000 - R3,999,999 1.3%
R4000,000 - R4,999,999 1.4%
R5,000,000 + 1.5%

Close

Get rewarded with an FNB Connect SIM

What you can enjoy with FNB Connect

  • No long term contracts. FNB Connect offers a wide range of month-to-month SIM plans.
  • You can manage your own SIM without any hassle. Port your number, activate your FNB Connect SIM and more, all on the FNB App.
  • As an FNB Customer you automatically qualify for: Complimentary data, voice minutes and SMS's every month.
  • Extensive Nationwide coverage around South Africa.

Get rewarded:

All new to FNB Connect Customers will get a complimentary once-off data, voice minutes and SMS allocation loaded within 5 working days of activating your FNB Connect SIM.

What you get:

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

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

  • 500MB data
  • 35 voice minutes
  • 35 SMSs
  • Plus earn 500MB extra data when you spend R100 or more on your FNB Connect SIM.

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)
  • Only two FNB Connect SIM per commercial entity will be eligible for Connect Rewards.
View FNB Connect Rewards FAQs

Your debit and SIM card will be delivered by courier.

Gold Business

It takes a bank that does more to help

Apply now!
Get more for your business

Solutions to help

Start your business

We have an ideal set of products and solutions to support you when you are opening a new business or switching an existing business.

Solutions to help run your business

We have the right solutions to help you run and maximise your business' capabilities.

Get rewarded with data, voice minutes and SMSs every month on your FNB Connect SIM.

Read more

Solutions to help you grow
your business

We understand the support you need in growing your business and have specialised products and solutions to assist you.

What you get

Business solutions

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!
Contact us
Find a branch

Qualifying criteria

Documents needed

   Pricing Guide

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