Instant Cashflow

Home

For Me
& My Family

For My Business

Corporates + Public Sector

Private Banking

Calculators

Rates + Pricing

About FNB + Legal

Careers at FNB

What would you like to do?

Start new application

Retrieve existing application

Need help with the process?

Please select

For Me

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Please select

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Please select

Start new application

Need help with the process?

Daily Banking

Tools

Switch to FNB

Product Shop Retrieve application

Transact

Bank accounts Credit cards Connect SIM Mobile accounts eWallet Smart devices and SIM Petro Card

Ways to bank

Digital Banking Branch, ATMs + Telephone Banking Digital Payment Solutions nav»

Savings and Investments

Save and Invest

Invest abroad

Global Wealth Solutions Global Account

Financial planning

Overview Personal goals Child's education Emergencies Retirement In retirement Tax free Estate + legacy planning Employee Benefits

Borrow

Credit cards Home loans Overdraft Personal loan Revolving facility Securities Based Lending Student loan Temporary loan Vehicle finance

Insure

Insurance

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

Services

DebiCheck and Debit Order Balance Alert Limit Alert LOTTO and PowerBall Prepaid products Soccer six Traffic fines Debit order + salary switching inContact Online vouchers Payments and Debit Orders DStv Payments Account Closure Guide

Switch to FNB

Product Shop

Bank better

Learn about banking Demos FNB App guides

Switch to FNB Business

Product shop Retrieve application

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

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 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

Demos KYC / FICA Debit order + recipient switching Electronic Alerts

Switch to FNB

Product Shop

Corporates + Public Sector

Corporate Public Sector

Switch to FNB

Product Shop

Private Banking

Home Loans

Affordability Bond Calculator

Day to day banking

Budget Future Value Credit Cards

Share Investor

Vehicle Finance

Vehicle Repayment Vehicle Purchase Price

International

Forex

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

News + Insights

Press Office Economics commentary Insights Business Hub

Terms + Conditions

Product Terms and Conditions Promotions Terms and Conditions Legal Matters

About Us

World of FNB

FNB Subsidiaries

Botswana Lesotho Ghana Namibia Swaziland Tanzania Zambia Channel Islands

Talk to us + important numbers

Fraud + Disputes

Security Centre

Locators

ATM Locator Branch Locator/Book a Branch Visit Temporary branch closure eWallet GEO Locator

Tools

Debit order + salary switching Track and Trace Lead Form Tracking Upload Documents - For Me Upload Documents - For My Business Reporting a death Software Downloads FNB Approved Suppliers Verify Guarantee Verify Statements Verify Payments Verify Account Confirmation/Visa Application Letters eWallet balance enquiry

Careers at FNB

Find out more about careers at FNB Apply here

FNB App

How-to guides

Register with Online Register without Online Add beneficiary Pay recipient Manage cards Buy prepaid electricity Buy prepaid airtime and data Send eWallet Download verified statement Secure Chat® Reset your password

All savings + investment accounts

Cash deposits

Notice deposits Immediate access Access to a portion Fixed deposits

Share investing

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 Retirement In retirement Tax-free

Compare similar

Compare

Additional options

Show me all Help me chosse Find an advisor

Financial planning

Overview

Interactive

Instant Cashflow is interactive. You can re-assign transactions and change certain variables (e.g. reduce your debtors' days or provide for an anticipated receipt of funds in the coming months) to see how these will impact your future cash flow.

Keep cash flow positive

You can use the information to take steps to ensure that your cash flow remains positive. So, if you see that you may go into a negative cash flow position in the coming months, you could move funds out of an investment account into your transactional account or apply for an overdraft from FNB.

Secure storage

Storage of all your data on FNB's secure servers with the added benefit of back-ups done by FNB.

Graphs

Graphs showing your business's actual historical cash flow movements as well as projected cash flows for the upcoming months. The graphs are calculated by analysing patterns from transactions in your business's FNB bank accounts (on an aggregated basis) over the past 12 months.

Automatic uploads

Automatic upload of all your business transactions from your FNB bank accounts to Instant Cashflow.

Instant Cashflow

Make informed decisions

Instant Cashflow is a FREE online, interactive tool that can help you to better manage your business's cash flow and make informed business decisions.

FREE to all FNB Business clients
NO monthly or annual license fees
NO upgrade fees
NO support fees

What you get

Call me back

What you get

Manage your future cash flow

Easy maintenance

No need to buy software, set up and/or maintain.

Secure storage

Store all your data on FNB's secure servers

Interactive

Re-assign transactions and change certain variables

Graphs

Showing your business's historical + projected cash flow movements

Keep cash flow positive

Take steps to ensure that your cash flow remains positive

Automatic uploads

Automatic uploading of all your business transactions

Getting it made easy