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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 Cheque Card with Chip and PIN technology, the most secure cheque 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

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Get rewarded with an FNB Connect SIM

Get rewarded with an FNB Connect SIM

  1. Now on SA's best network. That's extensive coverage across South Africa for you.
  2. Stay connected with WhatsApp messaging, data and voice minutes every month on your FNB Connect SIM.
  3. Order, manage or port your number with ease on the FNB App.
  4. Buy airtime, data, voice or SMS bundles anytime, anywhere using the FNB App. Now available at over 200 retail stores nationwide through Eezi Airtime.
  5. Move up an eBucks reward level with an FNB Connect SIM.

FNB Gold Business Connect rewards

Get rewarded with WhatsApp messaging*, 400MB data and 35 voice minutes every month on your FNB Connect SIM.

Qualifying criteria

  • Make sure that your FirstRand Bank accounts are active and in good standing.
  • Perform a minimum of one transaction on your FNB First Business Zero Transactional Account every month (perform a transaction on the FNB App or online banking or swipe your FNB First Business Zero card or make a deposit into your FNB Business Zero Account).
  • Spend R1 or more on your FNB Connect SIM Plans.

Note:

Spend is defined as all purchases and/or fees charged to the FNB Connect SIM card account, namely, SIM card subscription fees, recharge fees and purchases, SIM and Connection fees, Call Line Identify (CLI) fees and itemised billing fees. All Top Up Go promo SIM cards that are in use and that were sold with a device will be included in the spend calculation. Top Up plans bundled with devices, device purchases, and all penalty fees are excluded from this spend calculation.

Deposit includes the payment of your salary, other payments or drawings and specifically excludes (but are not limited to) any inter-account transfers. Transfers from mandated accounts will be classified as inter-account transfers (except for spousal accounts).

Only available to one FNB Connect SIM per commercial entity.

*Messages includes all voice notes, messages, sending of video files, pictures/image files, documents files limited to 2GB.

Gold Business

It takes a bank that does more to help

For businesses with a turnover of up to R5 million per annum.

We have solutions to help you navigate starting,
running and growing your business.

  • More than just a Business Account

  • Earn eBucks Rewards for Business
  • 24/7 support with our Business Desk
  • Bank anytime, anywhere with our Digital Banking solutions
  • Get access to Instant Solutions - Instant Accounting, Instant Invoicing
  • Grow your business with the Business Directory
  • Get a Business Call Account
Apply now!
Get more for your business
Apply now!
 

Solutions to help

start your business

We have an ideal set of products and solutions to support you when you are opening a new business or switching an existing business.

Solutions to help run

Solutions to help run your business

We have the right solutions to help you run and maximise your business' capabilities.

Get rewarded with data, voice minutes and SMSs every month on your FNB Connect SIM.

Read more
 
Solutions to help you grow

Solutions to help you grow your business

We understand the support you need in growing your business and have specialised products and solutions to assist you.

Borrow

Invest

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 create multiple virtual 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 and Scan to Pay) and all partner wallet transactions, including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, and SwatchPAY!, without the need for a physical card.

Earn eBucks

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

FNB Purchase Protect

Get instant insurance for items purchased with your virtual card at no extra cost.

Tell me more
Getting it made easy

Applying made easy

Gold Business Account

Qualifying criteria

Best suited for businesses with a turnover of up to R5 million per annum

How to get it

Apply now!

Other ways to apply

Complete the call me back form

Contact us

Find a branch

   Pricing Guide

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First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).