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> R10m annual turnover

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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 Debit Card with Chip and PIN technology, the most secure debit 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

eWallet Pro


Pay anyone electronically, instantly.

If you traditionally make payments using cash or debit, 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.

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

Pricing Comparison Gold Business Account


Pay As You Use Single Fee Pricing Option 1* Single Fee Pricing Option 2*
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 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 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 prefer to be charged for each transaction that you do
  • If you have a low volume of transactions per month
  • 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 Debit cards on a regular basis
  • 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 Debit cards on a regular basis
Monthly fee R75 R235 R350
Debit Orders and Electronic Payments
  • Debit Orders: R18.00
  • Electronic Payments: R9.10
30 transactions which include amaximum of 5 FNB ATM cash withdrawals 50 transactions which include a maximum of 10 FNB ATM cash withdrawals
Cash desposited at FNB ATM only R3.95 + R0.80 per R100 (or part thereof) Free cash deposits up to R50 000 per month (cumulative) Free cash deposits up to R100 000 per month (cumulative)
Electronic Pay & Clear Now R45 3 Free 3 Free
Free Transactions N/A POS Purchases
Electronic Transfers
Prepaid Purchases
Balance Enquiries (POS)
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 .

FNB Business Call Account Rates


Published at 2020-07-14

Amount Interest
(per annum)
R1 - R19 999 1.75%
R20 000 - R100 000 2.00%
R100 000+ 2.25%

Gold Business Account

Empower + protect

For businesses with an annual turnover of R0 - R5 million

  • We'll give you a Gold Business Debit card
  • Register your business on CIPC through FNB
  • Debit order and recipient switching
  • Transact electronically anytime, anywhere

Register with CIPC


Register a company + open a bank account simultaneously


FNB will help facilitate your CIPC company registration and provide you with a business account and the tools needed to grow your business.

To operate a company in South Africa, the company must be registered with the Companies and Intellectual Property Commission of South Africa (CIPC) prior to commencing business.

FNB in partnership with the DTi has launched a process that gives a person wishing to register a company a simpler, quicker way to register the company with CIPC. FNB will register a company with CIPC on your behalf and will simultaneously open a business account for the new entity providing all the added benefits and value adds that come with a FNB business account. All this is done online in the comfort of your own home.





Day-to-day transacting


Transacting has never
been easier

Read more

FNB Business Visa Debit Card

Purchase goods and services locally and internationally



Issue restricted functionality debit cards

Empower your staff by issuing them with a limited-function debit card with restricted functionality to protect your business information and funds in the account



Issue full-functionality debit cards

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



Transact electronically

You can easily make once-off and recurring transfers and payments as well as debit and stop orders using Online Banking for Business



Key features


Convenience

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

Switching made easy

We will help you switch your recipients and debit orders.

Roadside Assistance

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

Industry specific banking services

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

Security

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

Added value

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

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.



 



 

Rewards


Earn + spend with our rewards


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

FNB Business Call Account


Plan your cash flow effectively

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

 
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Applying made easy


Gold Business Account

Qualifying criteria

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

How to apply

Apply now!

Other ways to apply

Complete the call me back form

Contact us

Find a branch

Quick guide

Applying for a Business Debit Account online made easy.