FNB Islamic Business Banking

FNB Islamic Banking is based on Shari'ah principles. These principles govern how Islamic products are structured, and it is a credible alternative to conventional banking and is available to customers of all faiths.

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World-class banking with premium benefits

With a dedicated relationship manager backed by a team of experts here's how we can help you scale and build a lasting legacy.

All-in-one banking solutions

Enjoy seamless payments built for business when you take up an FNB Speedpoint®. Enjoy 24/7 device and technical support with our dedicated team.

Guided by expert Shari'ah scholars

Our Shari'ah advisory committee advises on and oversees Shari'ah compliance on a day-to-day basis to help you manage your finances.

Shari'ah banking pioneers

As the first conventional bank to offer Shari'ah-compliant solutions in South Africa, we're here to drive the standard for excellent and ethical banking.

Award-winning Islamic Banking

We have been recognised by the Global Islamic Finance Awards as the Best Islamic Banking Window Globally for nine consecutive years.

Helping you keep your finances in order

We honour your financial journey with Shari'ah-compliant solutions that align with your faith and values. Together, we continue to uphold the principles of care, generosity and shared prosperity.

View Shari'ah certificate

The promise of Shari'ah-compliant solutions

With banking solutions based on shared success you can unlock the potential of your business.

Islamic Gold Business

Start, run or grow your business with the Islamic Gold Account, where you get the most value for your business while meeting your banking needs.

Monthly account fee

R49

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Islamic Platinum Business

Get business solutions that will add value to your business and meet your banking requirements with our Islamic Platinum Business Account.

Monthly account fee

R145

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Islamic Enterprise Business Accounts

Get tailor-made services to suit your complex banking needs and requirements with a dedicated executive with the Islamic Enterprise Business Account.

Relationship pricing

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FNB Speedpoint® Go

The most economical way to accept card payments with no cellphone pairing required.

Monthly Rental Fee

R230

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FNB Speedpoint® Pro

A user-friendly and cost-effective way to accept card payments without sales system integration.

Monthly Rental Fee

R320

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Islamic Vehicle and Asset Finance

Looking to buy or lease an asset? Secure movable assets, including business furniture, fittings, equipment, and heavy commercial vehicles, and more.

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Commercial Property Finance

Build your business property with our commercial property finance. Access solutions to help you switch, refinance or grow your property portfolio.

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Islamic 48 Hour Cash Accelerator

Access money after 2 days' notice. Profit share paid monthly, based on the amount invested. Reinvest or transfer your profit share to another account.

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Islamic Term Deposit

Get a fixed term deposit with indicative profit share, access you profit during your investment term and add additional money at maturity.

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FNB 3rd Party Investment Manager (3PIM)

Grow your business and manage third party investment accounts entrusted to you by your clients, simply and securely on platform.

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Takaful insurance

Protect your business assets with comprehensive business cover knowing that your company's assets are protected in a Shari'ah-compliant manner.

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Business Top Up 25GB

Whether its hosting virtual meetings, running ads, or managing your online store, get reliability, efficiency and support for your business..

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Bus Talk Max 20GB

With 20GB of data, 4 000 minutes, and 100 SMSs, your business is always online and responsive. Built for businesses that lead with purpose and clarity.

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Connect SME Prepaid

Top up as needed with 1GB of data and 30 minutes in a once-off package for R49. A solution for businesses that value control and conscious spending.

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FAQs

For quick, clear answers to common questions about our products and services.

What is Islamic Banking?

FNB Islamic Banking is based on Shari'ah (Islamic Law) principles. These principles govern how Islamic products are structured.

Some key principles are:

The prohibition of earning and paying interest (Riba).
Income must be generated through the provision of services and the trading, leasing of, or investment in real assets.
Investment capital should be accepted based on profit-and-loss sharing whereby funds are invested and the profit earned is shared between the bank and depositors.
Capital and profit may not be guaranteed.

Is FNB Islamic Banking only for Muslims?

FNB Islamic Banking is a credible alternative to conventional banking, it is available to customers of all faiths.

How do I convert my existing FNB Business account to an FNB Islamic Business account?

Contact our Business Help Desk on 087 736 2247 or speak to your FNB Business Manager for more information on how they can assist with converting your existing FNB business account to an FNB Islamic Business account.

What is the benefit of having a dedicated Relationship Manager for my business?

No interest is charged or earned on FNB Islamic Business Accounts.
There is a linked Islamic Business Call account available at no additional cost which helps you keep your savings separate from your primary account. Funds held in the Islamic Business Call account are eligible to earn a profit share.
Conventional overdraft and revolving facilities may not be linked to FNB Islamic Business Accounts as these facilities are not Shari'ah compliant.
The pricing structure and other benefits are the same.

What should I do if I have an overdraft facility linked to my FNB Business account and want to convert to an Islamic Business account?

You will be required to settle your linked overdraft facility before your FNB Business account can be converted to an Islamic Business account.

Your guide to switching

Open your account

On the FNB App via the product shop
On fnb.co.za, select 'Apply Now'
Call 087 736 2247

Have the following FICA documents ready

ID copy
Proof of address (not older than 3 months)

Activate your account

Make a deposit or EFT of any amount to activate your account.

Bank effortlessly

Make payments, transfer funds and more.

ATM

Card

FNB App

Online banking

Qualifying criteria

For businesses with a turnover of:

•Islamic Gold Business: Up to R5 million per annum.

•Islamic Platinum Business: Between R5 million and R60 million per annum.

•Islamic Enterprise Business: From R60 million and above per annum.

Required documents

•South African ID book/ID card

•Proof of residence

If we require more documents from you, we'll get in touch.

Your unstoppable business. Our commitment.

Our team is ready to help you scale your business, faster.

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Get started

Need to know more or want to start the process? Let us call you back.

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How to get in touch

24/7 Business Help Desk

087 736 2247

Fraud line

087 575 9444

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