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Only pay when you use it! An overdraft is a convenient credit facility linked to your account that gives you the confidence to manage your personal finances.

  • Easy access to a credit facility so that you can handle unexpected events
  • No fees unless you use more than R200 of your limit. If you don't use it, you won't pay a monthly overdraft fee
  • Flexibility as payments made into your facility make the funds available for use once more.
  • A credit limit and interest rate that is dependent on your credit profile
  • Optional Debt Protection available in case of your death, permanent disability, retrenchment or temporary disability
  • You may qualify for additional eBucks

Temporary Loan

A Temporary Loan is a short-term, easy to take up loan which is available for use immediately.

  • Immediate access to funds to cater for emergencies and cash-flow constraints.
  • No applications forms to complete, and no waiting time.
  • The funds are immediately available in your transactional account.
  • No interest will be charged for the temporary loan.
  • Enjoy convenience: Any deposits made into your FNB transactional account from the day after taking up the loan may be allocated towards the payment of the loan.
  • You may qualify for additional eBucks

Revolving Loan

A revolving loan is a line of credit that is payable in fixed monthly installments. The product is unique in that once 15% of the loan has been repaid; you can borrow again - up to your original amount.

  • No initiation fees
  • Fixed monthly repayments - making it easier for you to budget
  • It's a continuous line of credit and is available to you for as long as you need it
  • The ability to access the funds at any time, provided that you have paid up to 15% of the revolving loan
  • You get a competitive and affordable, personalised interest rate
  • Optional Debt Protection available in case of your death, permanent disability, retrenchment or temporary disability

Unlimited free swipes

Swipe at no cost and earn rewards. Just for doing everyday things like buying bread & milk. Use your credit card for all your online and everyday purchases and save with every swipe!

With an FNB Credit Card, all swipes are free! That means you save money as there are no transaction fees!

Remember, you also earn eBucks on every swipe!

Free cash withdrawals

What is withdrawing cash at till points?

It is withdrawing cash at the till point when you pay for your shopping at a Shoprite and Checkers. Just swipe your card for the value you want to withdraw.

Why withdraw cash at till points?

  • It's FREE of fees.
  • It's convenient - no need to find an ATM. Withdraw while you shop.
  • It's safe - prevents you from becoming a possible victim of fraud.

How to withdraw cash at till points?

Withdrawing cash at till points is simple. Upon paying for your goods, just inform the cashier that you would like to withdraw cash and he/she will add the withdrawal amount to your total. The cashier will then charge this to your card and hand you the cash amount of your withdrawal

Linked Savings Pocket

Save easily and conveniently with no added fees. The Linked Savings Pocket is linked to your account.

Bank Your Change™

Grow your balance in your linked Linked Savings Pocket.

Automatically save your 'left over' cents when you swipe your FNB Cheque or Debit Card.

Round the purchase amount up to the nearest rand, and have this transferred to your linked Linked Savings Pocket, free of charge.

You can save more by choosing a 'top up' amount of R2, R5, R10, R20 or R50. This amount will be added to the cents that are saved per purchase and deposited in your linked Linked Savings Pocket. To start saving now call 0860 327 827.

Terms, conditions and rules apply.

Find a branch

Debit orders switching

Switch debit orders free of charge with a dedicated team to help you.

Download the switching form

Debit order Disputes

Dispute unauthorised debit orders in a few clicks. You have the the power to reverse and/or stop unauthorised debit orders anytime, anywhere via FNB's Banking App, Cellphone Banking or Online Banking. Receive immediate reversal on unauthorised debit order when you dispute within 40 days of the transaction. Ts&Cs apply.

Salary Switching

Download the switching form

  1. Complete the Switch my Salary section of the switching form
  2. FNB will contact your employer and instruct them to switch your salary to your FNB account

Contact 0860 102 970 or email

Terms, conditions and rules apply

Courier card delivery

Replacing your card has become convenient with our Card Delivery service. You will no longer need to go to your nearest branch to collect a replacement card for the one that was lost, stolen or damaged.

Call 087 575 1111 for information on having your card delivered to where you are.

Delivery may take 3 to 5 working days. *Delivery fees apply for Classic, Gold as well as Petro Cardholders.

Additional cards

Multiple cards linked to one account.

Have the flexibility to link additional cheque cards to your account - ideal for a spouse or children of 18 years and older.


How I can get it?

When logged in to FNB Online Banking, select the My Bank Accounts tab, My Cards sub tab, Menu, Additional Card, select an account and follow the instructions.

For more information contact 087 575 0000

Terms, conditions and rules apply.

Exclusive Visa offer

Visa - your perfect companion.

Enjoy more from life, whether you're travelling or at home.

Your Visa card offers an excellent selection of travel, dining, shopping and lifestyle opportunities.

While on your travels, should you have a medical emergency or your card is lost or stolen, you have access to an international support network to assist you.

Find out more about Visa privileges.

Terms, conditions and rules apply.

Use your card abroad

Use your FNB card at any terminal displaying the Visa logo

Travelling has never been this convenient.

Wherever you go in the world, Visa ensures that you can access your cash to buy gifts, access services, enjoy leisure activities and more.

Terms, conditions and rules apply.

FNB Connect

Earn up to 40% back in eBucks on your qualifying FNB Connect contract or when loading FNB Connect prepaid airtime (including Fixed LTE).

Visit or login to FNB Online Banking and select the FNB Connect tab.

Terms and conditions apply.

Email statements

Get your statements emailed for free promptly, consistently and securely every month.

With email statements, you get your statements faster than paper statements. You can download, save and print your statements. FNB has also installed security measures to protect your information.

This is a free service which can easily be activated from your Online Banking profile in 4 easy steps.

  1. Once logged in, select My Bank Accounts, then Menu and then Email Statements under Statements.
  2. Select the appropriate account/s of which you require the statements to be delivered to you via email.
  3. Enter the primary email address to which you'd like the statements to be sent .
  4. Select the formats you would prefer to receive your statements in - plain text (CSV), PDF or both (account dependent).

What email statements offer me

  • Easy to store - you can keep the email statements safely on your PC until they are required.
  • Easy to file - it is easier to file an electronic statement than a paper statement.
  • More secure - email statements are more secure than paper statements as paper statements. can be lost in the post. The statement is encrypted and cannot be tampered with.

Terms, conditions and rules apply.


With inContact you can keep track of money going in and out of your account for FREE.

What inContact offers me

  • Identify any unauthorised transactions on your accounts
  • Helps you to manage the funds in your accounts
  • You can receive one message with details of your multiple debits that are processed overnight i.e. debit orders, stop orders, and scheduled payments
  • You can buy Prepaid Airtime, check your account balance and get a mini statement anytime with Cellphone Banking. Simply dial *120*321#.
  • Notifications from R0.01 on the FNB App
  • Receive messages for transactions on accounts which belong to you only
  • inContact will not send messages for transactions on accounts which you access via a link or mandate
  • You can choose when you want to receive your messages - during the day (7am - 8pm) or 24 hours a day
  • Choose to be notified of any transactions that exceed an amount specified by you
  • Choose how to receive notifications - via SMS, email or both
  • Choose which accounts you want to link to inContact

You can register for this service at any FNB branch , via Online Banking or call 087 575 9404.

Decline inContact messages are an innovative and convenient method of advising customers of why their transactions are declined. These messages are identical to normal inContact notifications and this services is also free.


Terms , conditions and rules apply.

Lost card protection

Protection in the event of a lost or stolen credit card.

Report a lost or stolen card within 24 hours of the incident to the dedicated, toll free, 24 hour hotline and FNB will assist in the event of a non-PIN related fraud incident on your account before the card is canceled.

Lost Card Protection may not apply if it is determined that you were careless in protecting your card or PIN.

In the event of your card being lost or stolen, call the Lost Card hotline immediately on 087 575 9406

Terms, conditions and rules apply.

Online Secure

Protect your card against fraudulent use online.

Online Secure uses a One Time PIN (OTP) that is sent to you and comes at no extra cost.

To activate Online Secure on your card, you must be an Online Banking user.

Online Secure is automatically activated on your Credit Card.

Activate your card by logging on to your Online Banking profile and following these prompts:

  • Go to the My Bank Accounts tab
  • Select the My Cards sub tab
  • Locate the card you would like to activate and select Activate Now under the Online Secure column
  • Follow the easy steps
  • Select I accept and agree to the Disclaimer above
  • Select Finish on the Activation Results screen

How to use Online Secure when shopping online:

  • Once activated, proceed to the checkout.
  • Type in your 16 digit card number when prompted.
  • You will then be prompted for a One Time PIN (OTP) which you will receive via SMS.
  • Finalise your purchase

Online Secure FAQs

Consumer Disclaimer

Terms, conditions and rules apply.

Linked Petrol Card

What the Petrol Card offers me:

  • Roadside Assistance

What this allows me to do:

  • Keep a record of vehicle expenses
  • Use your Petrol Card at most service stations

Important to note:

A monthly fee of R14.50 applies

  • Purchases on the Petrol Card are not eligible for rewards

FNB Banking APP

Unparalleled simplicity and convenience

As a registered Online Banking user you can access the FNB Banking App.
Download the free app for Android™, Apple™, BlackBerry™ and Nokia™ Symbian devices*.

Using the Free FNB Banking App you can

  • Make and receive Geo Payments
  • Set up Stop Payments
  • Make payments and transfer funds
  • View transfer and payment history
  • Send money
  • Contact your Relationship Banker
  • View accounts and detailed balances
  • Locate FNB branches or ATMs
  • Access an FNB directory
  • Make and receive calls
  • Send and receive messages
  • Buy prepaid products
  • Top up your FNB Connect accounts
  • Purchase FNB Connect ADSL bundles
  • View foreign exchange rates

For queries please email: To find out how to link your device call: 087 575 0362

View the software license agreement and remote banking agreement
*Android devices include HTC, Samsung, LG, Motorola, Sony Ericsson and Huawei. BlackBerry devices include the Torch, Storm, Bold and Curve that are OS5 or higher

Terms, conditions and rules apply.

Online Banking

Bank anywhere, anytime, at your convenience.

Online Banking is the convenient, real-time way to access your accounts. Pay, transfer, trade and invest, using easy online navigation, all from the comfort of your couch.

Banking online is convenient as you can do most things that you can do in a branch.

Banking online is secure. Keep track of your transactions with free inContact, OTP notifications and online protection software.

Banking online is simple. All you need is an FNB bank account and access to the Internet.

View our How to register for Online Banking demo

With Online Banking you can

  • Check balances on your accounts
  • Get email statements
  • Pay traffic fines
  • Make payments to third parties
  • Set up recipients
  • Pay public recipients
  • Make once-off payments
  • Set up scheduled payments
  • Send money to an eWallet
  • Do eFiling
  • View payment history
  • Validate recipients
  • Transfer money between your accounts
  • Transfer funds to your budget facility (credit card only)
  • Buy pre-paid airtime
  • Buy Vodacom data bundles (SMS vouchers and Big Bonus vouchers)
  • Buy prepaid electricity (Eskom and selected municipalities)
  • Buy Globel international airtime
  • Buy LOTTO TM tickets (not currently available)
  • Buy PowerBall tickets (not currently available)
  • Shop online using eBucks
  • Request proof of payment
  • View your eBucks rewards
  • View Annual Price Review letters
  • Trade shares online (share trading only)
  • Buy Krugerrands
  • Sell Krugerrands
  • Change your PIN
  • Update ATM Limits
  • View Card PINs
  • Create Card PINs
  • View, change or cancel cards
  • Order additional cards
  • Request notice to withdraw on investment accounts (investment only)
  • Top up and withdraw funds from your PayPal account
  • Check Forex rates
  • Receive money from abroad
  • Send money abroad
  • Open an overdraft and increase limits
  • Buy foreign currency
  • Create secondary users
  • Contact My Banker
  • Join FNB Connect
  • Open accounts
  • Set up Balance Alerts
  • Set up Limit Alerts
  • View and update personal details
  • Order a new card when it is about to expire
  • Adjust your ATM withdrawal limits

Terms, conditions and rules apply.

Cellphone Banking

Banking at the touch of a button

Access your money anytime, anywhere using your cellphone.
Even without your ATM card you can now do your banking via Cellphone Banking.

As a customer you enjoy the following benefits

  • Check your balances, transfer money between your own accounts, make payments to individuals, pay monthly accounts, and even pay traffic fines
  • Withdraw cash from your FNB accounts, without the use of an ATM card
  • Buy prepaid airtime, electricity and LOTTO™
  • Free registration and subscription
  • Free inContact with every transaction (above R100.01)

To register for Cellphone Banking, dial *120*321#, visit , , an FNB ATM , any FNB branch or contact our call centre on 087 575 9405 for assistance.

Please refer to our Pricing Guide for fees on specific accounts.

Terms, conditions and rules apply.

Use at ATMs

Get access to cash whenever you need it*.

All FNB debit, credit and cheque cards can be used at FNB ATMs*.

ATMs are available countrywide , all you need is an FNB CARD and a PIN NUMBER*.

FNB ATMs enable you to

  • Access your account 24/7*
  • Withdraw cash*
  • View or print your current balance*
  • Obtain a mini statement*
  • Buy Prepaid airtime*

Different types of FNB ATMs
These are ATMs that allow for automated deposits. Save time and money with cheaper cash and cheque deposits.

  • Funds from cash deposits are available immediately
  • Funds from cheque deposits are available after clearance

Find the nearest ATM here*

Find all the branches with ATM Advance with automated deposits.

Mini ATM*
These do not dispense cash; cash redeemable vouchers are issued*.

These are situated at areas without ATM infrastructure.*

Call 087 575 9406 (24 hrs) to cancel lost or stolen cards. Lost/stolen cards can be replaced at any FNB branch*.

Terms, conditions and rules apply.

*Not applicable to Stokvel and Smart Save accounts.

Zimbabwe Money Transfer

Send money to anyone in Zimbabwe using FNB Cellphone Banking following these easy steps:

  1. Dial *120*321#
  2. Enter your 5 digit PIN
  3. Select Send Money
  4. Select Zimbabwe
  5. Select the account you wish to send money from
  6. Key in the first 8 numbers of your recipient's Zimbabwean ID number
  7. Key in your recipient's Zimbabwean cellphone number
  8. Key in the amount in rands you wish to send
  9. Confirm transaction details and accept Terms of Use
  10. You will receive an SMS/email that confirms:
    1. Recipient's ID number
    2. Transfer amount
    3. Voucher reference number
  11. Communicate voucher details to the recipient

Note: Collect at participating OK stores.

Download the pricing guide

Mozambique Money Transfer

Send money to anyone in Zimbabwe using FNB Cellphone Banking following these easy steps:

  1. Dial *120*321#
  2. Enter your 5 digit PIN
  3. Select Send Money
  4. Select Mozambique
  5. Select the account you wish to send money from
  6. Key in your recipient's Mozambican cellphone number
  7. Key in the amount in rands you wish to send
  8. Key in any 4-digit transfer code (numbers only)
  9. Confirm transaction details and accept Terms of Use
  10. You will receive an SMS/email that confirms:
    1. Transfer code
    2. Transfer amount
    3. Communicate voucher details to the recipient
  11. Communicate voucher details to the recipient

Note: Collect at any FNB Mozambique branch.

Download the pricing guide


Send money anywhere, using MoneyGram™ on FNB Cellphone Banking.

Send money to over 200 countries worldwide within minutes anywhere, using MoneyGram™ on FNB Cellphone Banking. With MoneyGram™ from FNB it's easier than ever to send money to other African countries and abroad. It's safe, fast and available to anyone with an FNB account. Just load your beneficiary in-branch and do your MoneyGram™ transactions on your Cellphone anytime, anywhere.


  • Dial *120*321#
  • Enter your 5-digit PIN
  • Select Banking
  • Select Payments
  • Select 'MoneyGram™'

For residents

  • Select 1 - to send a gift

For foreign nationals

  • Select 1 - to send a gift
  • Select 2 - to send a salary

Sending money with MoneyGram™ via Cellphone Banking

  • select your recipient's details
  • follow the prompts to complete the transaction

How to register a recipient

Go to your nearest FNB branch

Note: MoneyGram™ can be sent to over 200 countries and regions worldwide. MoneyGram™ cannot be used to send money within South Africa or to the Common Monetary Areas (Namibia, Lesotho, Swaziland). Send transactions via cellphone cannot be done to Canada, USA, Nigeria, Mexico or Puerto Rico.

Download the pricing guide

Pay2Cell (Lesotho + Swaziland)

Send money to anyone in Lesotho or Swaziland using FNB Cellphone Banking following these easy steps:

  • Dial *120*321#
  • Enter your 5 digit PIN
  • Select Banking
  • Select Pay2Cell
  • Select Lesotho or Swaziland
  • Key in your recipient's cellphone number
  • Key in the amount in rands you wish to send
  • Confirm transaction details

Note: Recipients must have an active FNB Lesotho or FNB Swaziland account.

Download the pricing guide

Linked Savings Pocket: Gold

Amount Interest (per annum)
R1 - R9 999 5.50%
R10 000 - R19 999 5.50%
R20 000 - R49 999 2.50%
R50 000 - R99 999 3.00%
R100 000+ 3.50%

Reward level discounts

Gold gets discount with ConeXis X1

As a Gold customer, you can get up to 100% off your monthly fee for ConeXis X1. Just remember to keep R1500 in your linked Savings Pocket.

Monthly discount fees are structured differently for Gold, Premier, Private Clients and Private Wealth accounts. Customers will be billed R150. Thereafter, the discount corresponding to the level they are on will be deposited into their bank account. Rebates will be paid within 48 hours.

Contactless Card

What this is

When you tap your card on the Contactless reader, your card information is transmitted and your purchase can be processed. It's safe, simple and fast.

Contactless cards are:

  • Simple: it's easy to use - simply tap and pay.
  • Secure: It's completely secure - your FNB Contactless Card is just as secure as any other chip and PIN card that carries multiple layers of security
  • Total control: You have total control of the transaction and your money because your card never leaves your hand.
  • Quick + Easy: Contactless payments are up to 4 times faster than normal card payments which mean spending less time in queues.

How to do it:

  • Step 1: Look out for the Contactless symbol in-store and on the point-of-sale device.
  • Step 2: Once the cashier has tallied up your purchases and you are ready to pay, tap your card on the terminal.
  • Step 3: The transaction is complete when the green light displays. (Note: Some merchants have waived the need for a signature, others may ask you to sign the till receipt)

Where to use it

Your FNB Contactless Card is accepted at merchants locally and internationally displaying the Contactless symbol.

As an additional security feature, the frst time you use your FNB Contactless Card you will be asked to insert your PIN. Transactions under R200 at a Contactless enabled retailer will no longer require a PIN.

Access the new Gold life.

Earn more than R120 000 per year

With a Gold Cheque Card from FNB you get unbeatable value. This is as gold as it gets.

View pricing guide

  • Get the following free with your Gold Cheque Card
  • Cash deposits up to R6,000 p.m
  • 4 FNB ATM cash withdrawals p.m.
  • Linked Savings Pocket + Bank Your Change®
  • Free electronic pre-paid airtime purchases
  • Unlimited debit orders, electronic payments and transfers
  • Unlimited cash withdrawals from selected tills
  • Unlimited card swipes


FNB Smartphone

Gold is the ConeXis X1

Pay R0 on level 5

For R150 pm x 24 months Top Up you get

  • FREE Connect SIM
  • FREE 25 mins and 100MB data pm for 24 months
  • FREE 16GB Micro SD card, protective back cover and glass screen protector valued at R400
  • FREE calls to FNB (087 575 9404) for general enquiries
  • Zero-rated App use (pay no data costs)
See how you can get up to 100% back on your ConeXis X1 monthly fee

SA's Best Digital Bank*

Gold puts you in control

Whether you prefer to bank on your phone, online, at an ATM or in branch, we've got you covered. You'll also have access to SA's Best Digital Bank* through FNB's award winning app and online banking solutions.

*As voted by SAcsi Survey 2015 and Columinate Internet Banking SITEisfaction Survey

Applying made easy

Ready to get your hands on Gold?

Ways to apply

Apply now!

Other ways to apply

Complete the call me back form

Contact us

Find a branch