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> R10m annual turnover

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Join us


To join eBucks, visit www.eBucks.com

eBucks Contact Centre

Telephone

087 320 3200

Fax

086 110 0062

International contact number

+27 11 371 3711

Hours
Mon - Fri 08h00 - 18h00
Sat 08h00 - 16h00
Sun + public holidays 09h00 - 13h00
Good Friday Closed
Christmas Day Closed
New Year's Day Closed

Points table


How to earn points

How to collect points Points per month
Digital banking
You do at least two financial transactions a month using the FNB Banking App
Qualifying financial transactions include payments, transfers and purchases (paid for in either Rand or eBucks), but exclude debit orders, deposits and the viewing of accounts.

2 000



You allow FNB to communicate with you by giving them consent to market to you
AND
You choose to receive all your statements via email only
AND
You update your contact details at least once in a 12-month period via FNB Online Banking

2 000





At least 95% of your monthly cash deposits are done via an FNB ATM with Deposits, Cash Centre or FNB SmartBOX device 2 000
You use the FNB Online Banking Enterprise functionality for:

1.1    Payments and transfers

1.2    Payments and transfers as well as Notifications

1.3  Payments and transfers as well as Notifications as well as 1 Day Salary Service Type

2  Collections

3   Document management using DocTrail



2 000

3 000

4 000

1 000

1 000

You register for and transact on eWallet Pro 1 000
My cards
You have a Business Credit Card* with a total credit limit of at least R50 000 500
You spend on your Business Credit Card(s):

  • Between R30 000 and R74 999

  • Between R75 000 and R99 999

  • Between R100 000 and R199 999

  • R200 000 or more

Spend excludes EFTs and transfers.



  • 1 500

  • 2 000

  • 2 500

  • 3 500



Of your total Business Debit and Business Credit Card spend, your total monthly spend on your Business Credit Card(s) is:
  • 100%

Total monthly spend includes any online and in-store purchases made during the month using your Business Credit Card(s).


3 500


You use your Business Credit Card(s)* or Business Debit Card(s) to shop online or swipe internationally for:

  • Between R10 000 and R29 999

  • Between R30 000 and R49 999

  • R50 000 or more




  • 1 000

  • 2 000

  • 3 000


Transact
You maintain a minimum monthly balance in your Business Cheque Account(s) of:

  • Between R100 000 and R499 999
  • Between R500 000 and R1 499 999
  • R1 500 000 or more




  • 1 000

  • 2 000

  • 3 000


You have at least 12 monthly debit orders coming off your FNB Enterprise Business Cheque Account 500
Borrow**

You have an Overdraft on your FNB Enterprise Business Account of at least R1 000 000

2 000

You meet the rule above and use your Overdraft for at least 40% of its limit per month

3 000

OR


You have an Agricultural Overdraft facility of at least R500 000 on your Business Cheque Account of which you've used between 70% and 100%

The percentage of the Overdraft that you've used is calculated as an average over a calendar month.


4 000
Save and Invest
You have an FNB Investment Account (excluding an Equity Trading Account) and maintain a minimum monthly balance of:

  • Between R5 000 000 and R9 999 999

  • Between R10 000 000 and R19 999 999

  • R20 000 000 or more

OR
You've opened either a 48 Hour Cash Accelerator or 7 Day Notice or Money on Call Account via any digital channel and maintain a minimum balance of R5 000 000




  • 500

  • 1 000

  • 2 000


  • 2 000



You grow the balance across your FNB Savings and Investment Accounts by at least R1 000 000 per month or R10 000 000 over six months (excluding interest earned) 500
You have an FNB Business Global Account and maintain a minimum monthly balance of 350 000 Australian dollars, euros, British pounds or US dollars in the account 2 000
My devices
Have an FNB Merchant Services device and all the payments made on the device must be settled into an FNB Business Account 2 000
You have an FNB SmartBOX or an FNB SmartTill device 1 000
Insurance Solutions from FNB
Have an FNB Employer's Funeral Plan 1 000
Have an FNB Key Person Insurance Policy 1 000

Rewards table


Points collected for the month 0 - 6 999 7 000 - 9 499 9 500 - 12 499 12 500 - 15 999 16 000 or more
Your reward level 1 2 3 4 5
Reward rates
In-store shopping: Debit Card 0.2% 0.3% 0.4% 0.6% 1.25%
In-store shopping: Credit Card 0.4% 0.6% 0.8% 1.2% 2.5%
Online shopping: Debit Card 0.4% 0.6% 0.8% 1.2% 2.5%
Online shopping: Credit Card 0.8% 1.2% 1.6% 2.4% 5%
Trsansport: Uber and Gautrain 0.6% 2.5% 5% 7.5% 15%
Fuel at Engen (rands/litre)** R0.10 R0.25 R0.75 R2.00 R4.00
Checkers & Shoprite 1% 2.5% 5% 7.5% 15%
Prepaid electricity
*Excluding Online Banking Enterprise
0.6% 2.5% 5% 7.5% 15%
Prepaid airtime
*Excluding Online Banking Enterprise
0.6% 2.5% 5% 7.5% 15%
Insurance Solutions from FNB 1% 2.5% 5% 7.5% 15%
FNB Forex fees (FNB Banking App, online payment and standing orders) 5% 10% 20% 30% 50%
Online payment transaction fees 5% 10% 20% 50% 100%
Merchant Services POS Device Rental Fees*** 5% 10% 20% 30% 40%

Things to remember


  • For the purpose of meeting the minimum deposit qualifying requirement, "deposit" means money being paid into your business account, excluding money moving between your FNB Accounts (inter-account transfers). For example, moving money from your savings account into your Business account will not be deemed a deposit.
  • These rules come into effect from 1 September 2019.
  • FirstRand bank accounts include but are not limited to FNB, WesBank, RMB Private Bank and Ashburton accounts.
  • These requirements are subject to change and we'll let you know when they do.
  • If you stop meeting any one of these requirements at any time, you won't qualify for eBucks Rewards for Business for the month.
  • An account that's active means that there's regular activity on the account or that the account is still being used for its original intended purpose.
  • An account that's in good standing means it isn't overdrawn, in arrears or in default; you haven't missed a premium and you aren't undergoing sequestration, business rescue, collection or liquidation proceedings (excluding debt review proceedings). This applies to all FirstRand bank accounts, including but not limited to FNB, Ashburton, WesBank accounts and RMB Private Bank accounts.
  • Accounts cannot be in excess for longer than 45 days.
  • Qualifying Business Current Accounts include FNB Business Enterprise Current Accounts, FNB Cashman Current Accounts, and FNB Islamic Enterprise Business Accounts.
  • If you have more than one of the above-mentioned Business Accounts, any deposit(s) made into the accounts will be considered towards the deposit amounts required for qualification.

Qualifying spend


Qualifying spend (i.e. spend on which you earn eBucks) excludes EFTs, debit orders, cash withdrawals, travellers' cheques, foreign exchange transactions and casino gambling transactions.

In-store & online shopping


  • The amount on which you earn eBucks from in-store and online shopping is not limited.

Checkers & Shoprite


  • The amount on which you earn eBucks is limited to a maximum qualifying spend of R15 000 at Checkers & Shoprite per month.
  • You won't earn eBucks on purchases made at MediRite Pharmacies, Money Markets, Computicket, Computicket-Travel and, cash at till withdrawals.
  • If you haven't yet met the qualifying requirements, you'll still earn 0.5% back in eBucks on purchases made at Checkers & Shoprite using your Business Credit Card and/or FNB Enterprise Business Debit Card.

Fuel: Engen


  • Earn up to R4/litre back in eBucks for your fuel spend at Engen, calculated based on the price of inland ULP 95. No earn will be awarded on fuel purchases at any other fuel stations.
  • You can fill up at any domestic Engen fuel station, but you must pay for your Engen fuel on the Engen forecourt. You won't earn eBucks if you pay for Engen fuel at the Quickshop at the Engen fuel station.
  • You can fill up at any domestic Engen fuel station, but you must pay for your Engen fuel on the Engen forecourt. You won't earn eBucks if you pay for Engen fuel at the Quickshop at the Engen fuel station.
  • You will earn eBucks on all FNB Business Petro Cards linked to an FNB Business Credit Card.
  • Note: You will not earn eBucks using an FNB Business Petrol card linked to an FNB Business Debit Card, Fleet cards and Lodge Cards.

Prepaid electricity and prepaid airtime


  • You earn eBucks on all networks' prepaid airtime and electricity bought via FNB's electronic banking channels:
  • FNB App - download the App from your app store
  • Online Banking
  • Cellphone Banking - dial *130*321# (airtime**) or *120*321# (airtime and electricity**)
  • Online Banking Enterprise™ customers will not be able to earn on prepaid electricity and prepaid airtime as the prepaid services are not available on this platform.
  • The amount on which you earn eBucks is limited to a total monthly spend (on qualifying prepaid electricity and prepaid airtime purchases only) of R1000 on each.
    ** Standard network rates apply.

FNB Forex fees


  • The eBucks you earn will be paid in the month after the transaction was done.
  • All FNB Forex transactions must be done via the FNB App or Online Banking, except where you have a standing instruction with FNB Forex to transact on your behalf.
  • You only earn eBucks on transaction charges on FNB Forex inward and outward payments in a foreign currency (not South African Rand).
  • You don't earn eBucks on foreign notes, travellers' cheques, foreign currency account (FCA) funding, customer foreign currency (CFC) account funding, cash passport, PayPal™, MoneyGram™ or any other foreign exchange products.
  • You also don't earn eBucks when you transact on a special discount or pensioner pricing.

Online payment transaction fees


  • You'll earn eBucks on the payment fee(s) when you make an online payment from your FNB Business Current Account to another FNB Account and the payment is made between the 6th and the 25th of the month.
  • You won't earn eBucks on transaction fees for online payments made between your own FNB accounts (e.g. transfers).
  • You won't earn eBucks on transaction fees for online payments made from a Business Credit Card Account.
  • The amount on which you earn eBucks is limited to a maximum qualifying spend of R2 000 in online payment transaction fees.

Transport: Uber & Gautrain


  • The amount on which you earn eBucks is limited to 20% of your total qualifying spend, OR a total Randspend of R5 000, whichever occurs first.
  • Your transport spend includes Uber and Gautrain payments which are made using your FNB Business Credit and/or FNB Gold Business Debit Card.
  • You only earn eBucks on Uber rides taken domestically.

FNB SpeedPoint® device rental fees


  • To earn eBucks on your SpeedPoint® device rental fees, you must have a minimum monthly turnover of R25 000 through the SpeedPoint® device and the payments made on the device must be settled into an FNB Business Account.
  • The amount on which you earn eBucks is limited to a maximum qualifying spend of R4 000 per month in SpeedPoint® device rental fees.
  • You'll earn eBucks on your SpeedPoint® device rental fees only if your Merchant Services Account is on the Standard Pricing Option.
  • You will not earn eBucks on your SpeedPoint® device rental fees if your Merchant Services Account has an e-Commerce facility.

Insurance solutions from FNB


  • The monthly premiums on your qualifying FNB Life policies (FNB Key Person Insurance and Employer's Funeral) must be paid on time from your FNB Business Current Account. You won't earn eBucks for any month where premiums weren't paid.
  • The percentage earned back in eBucks is calculated based on the sum total of monthly premiums for all your qualifying FNB Life and FNB Insure policies. Your participation in the eBucks programme allows us to better assess your risk, enabling you to earn back a percentage of your premium in the form of eBucks.
  • Only Insurance products where FirstRand Life Assurance Limited or FirstRand Short-Term Insurance Limited is the insurer are eligible for eBucks.
  • In the case of an FNB Life Policy or FNB Insure Policy, only the payer of the premiums will earn eBucks; lives assured and/or beneficiaries named in the policy won't earn eBucks.
  • The amount on which you earn eBucks is limited to a total monthly qualifying spend of R7 000.
  • These rules apply automatically upon you qualifying for eBucks Rewards.

Reward level


Reward level 1 2 3 4 5
  Meet the qualifying requirements Take up two additional products from our solution groups listed below Take up any product across four different solution groups listed below Take up any product across five different solution groups listed below Take up any product across six or more different solution groups listed below

Your reward level is reviewed monthly, which means that you may be on a different reward level every month.

It's simple, choose the solutions that best suit your business banking needs and get rewarded in eBucks. There are five reward levels and it's easy to move up a reward level. For each product/solution you take up and use from a solution group, you'll move up one reward level.

Remember: You only need to take up and use one product/solution from each solution group to move up a reward level.

Take up any product across four or more different solution groups listed below to reach level 5
Receipts Payments Credit Card Short-Term Savings Long-Term Savings Business Solutions Specialised Products
Have a Merchant Services Device with a minimum monthly turnover of R25 000, settled into an FNB Business Account Have at least 12 debit orders Have a Business Credit Card and spend at least R50 000 per month Have a Money on Call Account with a minimum balance of R5 000 Have a 32- Day Flexi Notice Account with a minimum balance of R5 000 Use Commercial Property Finance Have a Business Global Account and maintain a minimum monthly balance of 350 000 Australian dollars, euro, British pounds or US dollars in the account
Have a SmartBox or SmartTill and use it Do your payments and transfers with Online Banking Enterprise™ Have a Call Account (Non Standard) with a minimum balance of R250 000 Have a Cash Intelligence Investment Account with a minimum balance of R1 000 000 Have an active Cashman Account Have at least one active Guarantee with no commissions outstanding
Make use of our Integrated Payments and Receipt Solutions Transact on eWallet Pro Have an Islamic 48- Hour Cash Accelerator Account with a minimum balance of R100 000 Have a Fixed Deposit Account with a minimum balance of R10 000 Have a 3PIM structure with an average balance of R1 000 000 a month
Have a 48-Hour Cash Accelerator Account with a minimum balance of R100 000 Have a Flexi Fixed Deposit Account with a minimum balance of R5 000
Have a 7-Day Notice Account with a minimum balance of R20 000 Have an Islamic Term Deposit Account with a minimum balance of R10 000

Rewards table


Fixed amount of eBucks based on reward level
Reward level 1 2 3 4 5
  eB200 eB500 eB1000 eB1500 eB2500

The table below shows the different reward rates. This is the percentage of your qualifying purchases that you earn back in eBucks according to your reward level.

Your reward level 1 2 3 4 5
Reward rates
Online & in-store: Debit Card spend 0.05% 0.10% 0.20% 0.30% 0.40%
Online & in-store: Credit Card spend 0.10% 0.20% 0.30% 0.40% 0.80%
Fuel at Engen (rand/litre) R0.10 R0.25 R0.75 R2.00 R4.00
Checkers & Shoprite 1.0% 2.5% 5% 7.5% 15%
Prepaid electricity *Excluding Online Banking Enterprise™ 1.0% 2.5% 5% 7.5% 15%
Prepaid airtime (all networks) *Excluding Online Banking Enterprise™ 1.0% 2.5% 5% 7.5% 15%
Insurance Solutions from FNB 1.0% 2.5% 5% 7.5% 15%
FNB Forex Payments (FNB App, online payments and standing orders) 1.0% 2.5% 5% 7.5% 15%
Online payment transaction fees 1.0% 2.5% 5% 7.5% 15%
Merchant Services POS device rental fees 1.0% 2.5% 5% 7.5% 15%

eBucks Rewards for Enterprise Business Account


Get rewarded more for your business with the FNB Enterprise Business Account.

We've simplified the way you earn eBucks Rewards for Business. FNB has a range of products and solutions to help you navigate starting, running and growing your business. The more solutions you use, the higher your reward level and the greater your discount.

Get up to 40% OFF on vouchers & products at the eBucks Shop.

Quick overview


Spend your eBucks, save your rands!

Once you've earned eBucks, you can spend them at the eBucks Shop, on fuel at Engen and at a wide range of our in-store and online partners.

Register

Earning eBucks on your FNB Business Account(s) is free, but you have to be registered. To register visit www.eBucks.com, select the Business tab and then select 'Join'.



Qualify

Qualify for eBucks by meeting the qualifying requirements that are specific to your FNB Enterprise Business Account(s).



Move up a reward level

Move up a reward level by taking advantage of our FNB solutions. The more solutions you use, the higher your reward level. Your reward level is reviewed every month.



Enjoy added value

Enjoy added value by earning more rewards. The higher your reward level, the more eBucks you'll earn for your business. Remember: R1 = eB10.



Qualifying requirements


To get going, you must:

  • 1. Hold a qualifying FNB Enterprise Business Current Account and have a:
    • 1.1 Minimum monthly deposit* of at least R1 000 000.

    • OR

    • 1.2 Minimum monthly deposit* over the last six months of R6 000 000.

  • 2. Transact on your Business account on FNB Online Business Banking, Online Banking Enterprise™, or the FNB App at least once a month.

  • 3. Ensure that ALL your FirstRand bank accounts are active and in good standing.

  • 4. Update your business details with us via Online Banking or eBucks.com

Things to remember

 
 

Reward levels


Move up a reward level


Once you've qualified, the next step is to move up a reward level.

Your reward level is determined by the number of FNB products and solutions you use on a monthly basis. The more solutions you use, the higher your reward level.

Reward level table

Earn eBucks according to your reward level


Ready, steady, earn!

Once you've qualified and your reward level has been determined, you'll be ready to earn eBucks. In addition, you'll get a fixed amount of eBucks for every month that you qualify - depending on your reward level.

Reward table

 

Earn rules


Earn easily

If you have multiple Business Current Accounts, you'll earn eBucks on the qualifying activities on all your accounts. However, you'll need to meet the requirements - in terms of qualification and earning eBucks - that are specific to the highest account you have (i.e. the account with the highest required deposit).

Qualifying spend

In-store & online shopping

Checkers & Shoprite

Fuel: Engen

Prepaid electricity and prepaid airtime

FNB forex fees

Online payment transaction fees

FNB SpeedPoint® device rental fees

Insurance solutions from FNB

 

Joining made easy


eBucks Rewards for Business

Qualifying criteria

  1. Qualifying FNB Business Current Account
  2. Registered for eBucks

How to get it

Join us