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Overdraft


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.

Use your FNB Credit Card for all your online and everyday purchases and save transaction fees with every swipe. Unlimited, infinite, endless.

Also earn rewards by earning eBucks with every one of your unlimited free swipes!

Terms, conditions and rules apply.

Cash @ Till™


Draw cash directly from a tillpoint at a store.

Cash@Till™ allows you to use your cheque card to withdraw cash at till points of specific retailers such as Shoprite, Checkers, Pick 'n Pay, Boxer and selected Spar tills .

Simply tell the cashier that you need to draw cash and they will assist.

Terms, conditions and rules apply.

Linked Savings Account (Savings Pocket)


Put money away and earn interest on money saved.

A Linked Savings Account is linked to your account to keep your savings separate from your transactional account.

Earn competitive interest on a positive balance in your linked Linked Savings Account. Save easily and conveniently with no added fees.

To activate the Linked Savings Account on your account call 0860 32 78 27

Terms, Conditions and Rules apply.

Bank Your Change


Grow your balance in your linked Linked Savings Account.

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 Account, 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 Account. To start saving now call 0860 327 827.

Terms, Conditions and Rules apply.


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Debit order and salary switching


Switch your salary, beneficiaries and debit orders free of charge.

Our dedicated team does all the work for you and keeps you informed of the progress along the way!

Download the switching form

Switch your debit orders

Using the switching form, tell us which debit orders need to be switched

Attach:

  1. A certified copy of your ID
  2. A copy of your non-FNB bank statement
  3. A copy of your new FNB account number

Switch your salary

  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 debitorders@fnb.co.za

Terms, Conditions and Rules apply

Courier card delivery


Avoid the queues at a branch.

Open your Cheque Account or Credit Card Account online and we will courier deliver your card to you.

Terms, conditions and rules apply.

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


Cheap rates, free calls and reduced data bundles

FNB Connect ADSL data

Reward Level FNB Connect ADSL data
5 Get free* monthly uncapped ADSL data (Maximum reward for Premier & Islamic Premier Cheque Accounts)
4 Get a 80% discount on monthly uncapped ADSL
3 Get a 40% discount on monthly uncapped ADSL
2 Get a 20% discount on monthly uncapped ADSL
1 Get a 10% discount on monthly uncapped ADSL

*Terms and conditions apply,the maximum uncapped ADSL discount that applies is R399.00 .

For more information on uncapped ADSL data from FNB Connect, visit www.fnbconnect.co.za or log-in to FNB Online Banking and select the FNB Connect tab.

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.

inContact


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#.
  • Receive your inContact messages for transactions over R100 only
  • 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.

Legal

Terms and 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.

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 FNB Cheque 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 FNB cheque Card, you must be an FNB Online Banking user.

Activate your card by logging on to your FNB 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 FNB card number when prompted.
  • You will then be asked for a One Time PIN (OTP) which you will receive via SMS.
  • Finalise your purchase

Online Secure FAQ's

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 R13.50 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: fnbappsupport@fnb.co.za 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 (feed copy from ways to bank)

  • 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
    • Secure your Online Banking with Webroot
    • 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)

To register for Cellphone Banking, dial *120*321#, visit www.fnb.mobi , www.fnb.co.za , 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.

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.

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.

MoneyGram™


Send money anywhere for FREE, 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 to qualify for this special offer.

Steps

  • 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.

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.

Day-to-day banking

Gold Cheque Account

Your income must be between R120 000 and R349 999 per year

This account gives you the freedom to spend your money the way you want to, and manage your finances hassle free.

 

Get rewarded


Earn eBucks for doing everyday things


Earn

  • Up to 0.75% back in eBucks when you swipe your Cheque Card when shopping and up to 1.5% back when you shop online or internationally
  • Up to 15% back in eBucks when you fill up with fuel, use Uber domestically or shop at Checkers & Shoprite with your Gold Cheque Card
  • Up to 40% back in eBucks on your qualifying FNB Connect contract or when purchasing FNB Connect prepaid airtime
  • The freedom to spend your eBucks on almost anything: fuel, electronics, appliances, travel, books, CDs, DVDs, flowers, outdoor equipment, fashion - you name it
  • Get up to 40% discount on selected items from the eBucks Shop as well as up to 40% off local and international flights and domestic car hire through eBucks Travel (discounts exclude all taxes).

For detailed information on how to qualify, earn and spend your eBucks Rewards please visit www.eBucks.com

Short-term credit products


Short-term credit products suitable to your needs


Short-term credit that is available for emergencies and unforeseen circumstances.

Credit options

Overdraft

Revolving Loan

Temporary Loan

FREE cross-border payments


Send up to R3 000 for FREE

Make payments using Cellphone Banking and you could save a up to R105 per transaction.

Zimbabwe Money Transfer

Send money for FREE to anyone in Zimbabwe.

Read more

Mozambique Money Transfer

Send money for FREE to anyone in Mozambique.

Read more

MoneyGram™

Send money for FREE to anyone, anywhere.

Read more

Pay2Cell (Lesotho + Swaziland)

Send money for FREE to anyone in Lesotho or Swaziland.

Read more

 

Smart devices


24 months interest free

As a Cheque Account holder with FNB you could enjoy savings on a range of smart devices from cellphones, laptops and even smart TVs.

Apply now for a Cheque Account and get a smart device

What's hot


Account features

Free cash withdrawals

Cash@Till™ allows you to use your Cheque Card to withdraw cash at specific till points.

Read more

Linked Savings Account

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

Read more

Free Bank Your Change™

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

Read more

Simple account management


It's easy, secure + subscription is FREE

Manage your accounts on the go, wherever, whenever you want with Online Banking. Download the FNB Banking App for free and do all your banking the way you've been doing it online and on your cellphone and more.

Applying made easy


Gold Cheque Account

Qualifying criteria

  1. Age 18 years and older
  2. Income: R120 000 - R349 999 per annum

Ways to apply

Apply now!

Other ways to apply

Complete the call me back form

Contact us

Find a branch

Documents needed

  • South African ID book/ID card
  • Proof of residence (e.g. water, electricity or phone bill not older than 3 months)
  • Foreign nationals will be required to present a work or study permit