FNB Gold Business

You work 24/7 and so should your business partner. FNB Gold Business works around the clock empowering entrepreneurs, like you, with a range of solutions. Built for business, backed by real help.

Annual turnover

R0 - R5 million

Get the account

Best value benefits

Join over 1 million SMEs and experience the best in business banking

24/7 business desk support

Get help when you need it with our 24/7 help desk. The call is complimentary and secure on the FNB App so you can focus on running your business.

Grow your business the smart way

Market your services to millions of potential customers via nav» Marketplace on the FNB App. By listing your services you gain access to a wide audience at no additional cost, helping you grow your business and reach new markets.

Fast and efficient payment solutions

Accept easy, safe and secure customer payments with our Speedpoint® Pro, Speedpoint® Go and SpeedeeApp™ point-of-sale (POS) payment solutions.

Business funding solutions

Access business funding solutions that unlock your cashflow through one easy application via the FNB App, online banking or your business manager.

Investment opportunitiess

From managing your cash flow to making your cash grow with a linked FNB Business Call Account, you can earn interest from any amount.

Stay connected with FNB Connect

Let's help you stay connected with your customers and employees to keep your business running 24/7.

eBucks Business Rewards

As an FNB Gold Business Bundle Account holder, you qualify for eBucks rewards for business. By meeting the qualifying criteria and using a range of products and services from FNB, your business can spend eBucks across various categories, including fuel, shopping, travel, digital transactions, monthly account fees and more.

A comprehensive suite of solutions

With FNB Gold Business you get access to a range of solutions and tools, built for your business.

Speedpoint® Go

Accept card payments on the go, with no cellphone pairing needed, and unlock tools that help you earn more.

Monthly rental fee

R230

Find out more

Apply now

Speedpoint® Pro

More than a card machine. Accept payments while accessing tools that grow your business and income streams.

Monthly rental fee

R320

Find out more

Apply now

Business credit card

Tailored business credit card with the ability to add, cancel, or switch cards at any time.

Find out more

Business overdraft

Provides extra funds linked to your business account, unlocking cash flow to help you avoid penalty fees and additional charges.

Find out more

Apply now

Business term loan

Grow and expand your business, acquire assets, finance opportunities, or cover other business-related expenses. Flexible payment terms of up to 60 months.

Find out more

Apply now

Asset-Based Finance

Funding for movable assets, like business furniture, fittings, equipment, heavy commercial vehicles, and much more.

Find out more

FNB Business Call Account

Save from any amount, no monthly account or transfer fees, get immediate access to your money when you need it.

Find out more

Apply now

48 Hour cash accelerator

Access your money with just 2 days' notice, earn a competitive interest rate on deposits above R100 000. Open and manage your account digitally on the FNB App.

Find out more

Apply now

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.

Find out more

Fixed Deposit

Invest min R10 000. Lock in your money for 7 days to 60 months and grow your investment. All capital invested and quoted returns are guaranteed.

Find out more

Apply now

Cash Intelligence Investment

Invest R20 000 and earn a repo linked rate and choose to access your funds after 7, 32, 45 or 90 days notice.

Find out more

Apply now

FNB Business Cashflow Cover

Pays business a daily fixed cover amount ranging from R1 000 to R12 500 per day, depending on your turnover.

Find out more

FNB Law on Call Business Plan

No excess. No waiting period. 24/7 legal advice for your business and as much as 50 business contracts per year.

Find out more

Apply now

FNB Business Comprehensive Insurance

Covers for loss or damage to your business vehicle, property and other business assets. Get up to R6/litre back in eBucks on your Engen fuel spend.

Find out more

Business Top Up 25GB

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

Find out more

Business Top Up M Plus

Get 4GB of data, 150 minutes, and 100 SMSs. A well-rounded bundle to help you chat, connect, and close deals with ease.

Find out more

Business Talk Max 15GB

Get 15GB of data, 2 000 minutes, and 50 SMSs. Built for businesses that talk often, work smart, and stay ahead.

Find out more

FAQs

For quick, clear answers to common questions about Gold Business.

What are the eligibility criteria?

Any customer with a turnover under R5 million who is not a foreign national.

How do I download the FNB App and set up my business profile?

Register for Online Banking Enterprise™
After downloading FNB App, link your profile using the new username you created during the registration process
Open the FNB website via your PC browser, enter your username and password, and then select 'Log in'
If the bank is unable to verify your details, you may be prompted to provide additional personal information or to upload supporting documents to verify your identity

How do I apply for credit?

You can apply via the FNB App, online banking, enquire with a business advisor through the business desk, speak with your business manager, or apply at a branch.

How do I get a virtual card?

You can create a virtual card on the FNB App, under the 'My Account' or 'My Cards' tabs.

How do I get eBucks business rewards?

Have a minimum monthly deposit of at least R500 or have a minimum monthly deposit over the last six months of R3 000
Perform a transaction on your business account on the FNB App, FNB Online Business Banking or Online Banking Enterprise™ at least once a month
Ensure your account is active and in good standing

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)
CIPC registrationπ

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

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

Required documents

•South African ID book/ID card

•Proof of residence

•CIPC registration

Your unstoppable business. Our commitment.

Your business growth and success starts here.

Get the account

Get started

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

Title

First name

Surname

Contact number

ID/Passport number

Your message has been submitted

We will contact you within 2 working days (Monday to Friday). Your reference number is .

To follow up on this query, please contact us on 087 736 2247

Your details

How to get in touch

Call us on

086 786 6372

Find your nearest branch

Business hub

Explore our collection of expert articles designed to inspire growth, spark innovation, and keep your business informed.

Industry and economy

CIPC Company Registration: The Complete Guide | FNB

Industry and economy

How can we help your business move from better to best?

Industry and economy

From POS machine to profit booster: FNB Speedpoint® and Flash make it easier for SMEs to earn more