Gold Cheque Account

Cheque accounts + overdrafts Credit cards Connect SIM Transactional savings account eWallet Smart devices and SIM Petro Card Ways to bank Business Directory

Savings and Investments

Access immediately Access with notice Access after a fixed period Teach my child to save Shares and Krugerrands Tax-Free Savings Retirement Unit Trusts

Invest abroad

Global Wealth Solutions

Financial planning

Personal goals Child's education Emergencies Retirement In retirement Tax free

Borrow

Credit cards Home loans Personal loan Revolving loan Student loan Temporary loan Vehicle finance

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Insurance

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Foreign exchange solutions

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eBucks Rewards SLOW

Financial and life planning

Overview

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Lifestyles

Youth and student accounts Graduate Portfolio FNB EasyPlan Islamic banking Premier Young Professionals Medical Professionals Premier Select Over 55s Encore - Over 55s Retirement

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Services

Email statements Balance Alert Limit Alert Prepaid products Soccer six Traffic fines Debit order + salary switching inContact iTunes gift codes Metrorail tickets Debit order disputes

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Bank better

Learn about banking Demos

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Transact

Business Accounts Cash Solutions Merchant services eWallet Pro ATM Solutions Ways to bank Fleet Services

Invest

Save + Invest Growth Fund 3PIM (3rd Party Investment Manager)

Borrow

Credit Cards Overdraft Loans Debtor Finance Leveraged Finance Private Equity Vumela Securities Based Lending Collateralised Trade Finance Selective Invoice Discounting Asset and Vehicle Finance Commercial property finance Fleet Services

Insure

Insurance

Forex + Trade

Foreign exchange solutions Business Global Account

Value Adds + Rewards

eBucks Rewards for Business DocTrail™ Business directory CIPC + BEE Instant Accounting Solutions Instant Payroll Instant Cashflow Instant Invoicing SLOW Employee Value Banking Solutions Alternative Energy Solutions

Industry Expertise

Agriculture Public Sector Education Healthcare Franchises

Going Global

Global Commercial Banking

Financial Planning

Overview

Bank Better

Demos KYC Remedial Action Debit order + recipient switching Electronic Alerts

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Private Banking

Private Clients - Earn between R750 000 - R1 499 999 per year Private Wealth - Earn above R1.5m or have NAV of R15m p.a. to qualify

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Home Loans

Affordability Bond Calculator Replacement Value

Day to day banking

Budget Future Value Credit Cards

Shares

Share Builder Share Investor

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Vehicle Repayment Vehicle Purchase Price

International

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Product Rates

Savings + Investments Transactional Savings Attorney Trust Account Global Accounts

Pricing Guide

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Rates

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Indicators and Share Price

SA Indicators FirstRand Share Price

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News + Insights

Economic Comment FNB News

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Terms + Conditions

Product Terms and Conditions Promotions Terms and Conditions Legal Matters

Social Responsibility

FNB Fund FNB Volunteers

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Talk to us + important numbers

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ATM Locator Branch Locator Business Directory

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Track and Trace Lead Form Tracking Upload Documents - For Me Upload Documents - For My Business Software Downloads FNB Approved Suppliers Verify Letter of undertaking Verify Statements Verify Payments eWallet balance enquiry iContract

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Careers at FNB

Find out more about careers at FNB Apply here

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All savings + investment accounts

Cash deposits

Notice deposits Immediate access Access to a portion Fixed deposits

Share investing

Shares

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

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Additional options

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Financial planning

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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

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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

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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

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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!

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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.

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Linked 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.

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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.

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Find a branch

Show branches not affected by loadshedding
Show branches with extended operating hours

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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

Complete the Switch my Salary section of the switching form
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

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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.

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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.

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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.

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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.

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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 www.fnbconnect.co.za or login to FNB Online Banking and select the FNB Connect tab.

Terms and conditions apply.

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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.

Once logged in, select My Bank Accounts, then Menu and then Email Statements under Statements.
Select the appropriate account/s of which you require the statements to be delivered to you via email.
Enter the primary email address to which you'd like the statements to be sent .
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.

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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#.
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.

Legal

Terms , conditions and rules apply.

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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.

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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.

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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

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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.

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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.

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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 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.

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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.

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Zimbabwe Money Transfer

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

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

Note: Collect at participating OK stores.

Download the pricing guide

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Mozambique Money Transfer

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

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

Note: Collect at any FNB Mozambique branch.

Download the pricing guide

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MoneyGram™

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.

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.

Download the pricing guide

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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

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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%