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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

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.

Pricing Comparison Platinum 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 andwill 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 several electronic transactions on average per day If you have R150 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	If you have a high volume of electronic transactions on verage per day If you have R250 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	R105	R415	R560
Debit Orders and Electronic Payments	Debit Orders: R18.00 Electronic Payments: R9.10	55 transactions which include a maximum of 10 FNB ATM cash withdrawals	80 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 R150 000 per month (cumulative)	Free cash deposits up to R250 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 2023-05-26

Balance	Rate	Effective Rate
R1 - R19 999	6.50%	6.70%
R20 000 - R99 999	6.75%	6.96%
R100 000+	7.00%	7.23%

Platinum Business Account

Empower + grow

Only available for businesses with an annual turnover of R5 million - R60 million

We'll give you a Platinum Business Debit card
Dedicated relationship manager to help manage your portfolio
Debit order and recipient switching
Earn and spend eBucks Rewards for Business
Access to SLOW Domestic Lounges and SLOW International

Pricing guide
Day-to-day transacting
Key features
Business Overdraft
What you get
Rewards
eBucks value pack
FNB Business Call Account
Virtual card
Applying made easy
Apply now!

Day-to-day transacting

Apply now!

Day-to-day transacting

Transacting has never
been easier

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.

What you get

Business solutions

Notifications

Email statements

My Limit Alert

My Balance Alert

Scheduled Payment Alert

Rewards

Earn + spend with our rewards

Qualifying FNB Business Visa Debit card holders have access to the award winning SLOW Domestic Lounges and SLOW International, a place where the stresses of travelling can be momentarily forgotten

Find out more

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.

FNB Business Call Account Rates

Virtual card

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

Choose more value for your business and earn eBucks while you spend online.

Virtual
Card FAQs

Getting it made easy

Applying made easy