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Gold's best features


FNB Banking APP


Bank on the go safely and securely with the FNB Banking App. As a registered Online Banking user, you can access the FNB Banking App. Using the free FNB Banking App, you pay no data fees.


Do your day-to-day banking:

  • View detailed balances and transactions
  • Transfer funds between accounts
  • Stop/reverse debit orders on Mobile and eChannels
  • Get notifications from 1 cent
  • Make payments
  • Make Cardless Cash withdrawals


You can also buy:

  • Prepaid Airtime
  • Data Bundles
  • SMS Bundles
  • Prepaid electricity
  • iTunes

You can use Connect to:

  • Make calls to FNB call centres
  • Make calls and send messages on the App


You also get additional features that include:

  • Managing your eBucks account and finding partners
  • Buying vouchers
  • Redeeming coupons
  • Locate FNB branches
  • Locating ATMs


Visit your App Store to download the FNB Banking App today. Just register and you're on your way. Downloading the FNB Banking App is compatible with Android™, Apple™, BlackBerry™ and Nokia™ Symbian devices*. For queries, 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, rules+ standard network rates apply.

Online Banking


Bank safely and securely 24/7 with Online Banking.

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. You can do most things via Online Banking that you can do in a branch.
  • Secure. Keep track of your transactions with free inContact, OTP notifications and online protection software.
  • Simple. All you need is an FNB bank account and access to the internet.

When using your Online Banking, you pay no data fees.


With Online Banking you can do your day-to-day banking:

  • View detail balances and transactions
  • Transfer funds between accounts
  • Stop/reverse debit orders on Mobile and eChannels
  • Make payments
  • Manage recipients
  • Send Money
  • Download account statements

You can also buy:

  • Prepaid Airtime
  • Data Bundles
  • SMS Bundles
  • Prepaid electricity

You can use Connect to:

  • Link your FNB Banking App to your Online Banking profile

You can take control and protect your account by:

  • Managing your FNB cards
  • Viewing/updating your PINs
  • Activating/Updating Online Secure

You also get additional features that include:

  • Managing your eBucks account and finding partners
  • Getting personalised offers for upgrades and limit increases
  • Ordering new smartphones and tablets
  • Opening new accounts in under ten minutes
  • Buying and selling Krugerrands

View our How to register for Online Banking demo


Terms, conditions + rules apply.

Cellphone Banking


Bank safely and securely anywhere, any time with Cellphone Banking.

Access your money by banking in the palm of your hands using your cellphone. Even without your bank card, you can now do your banking via Cellphone Banking.

Using Cellphone Banking, you pay no data fees.


With Cellphone Banking you can do your day-to-day banking:

  • View balances and transactions
  • Stop/reverse debit orders on mobile and e-channels
  • Send money
  • Make payments
  • Transfer funds between accounts
  • Make cardless cash withdrawals
  • Pay traffic fines

You can also Buy:

  • Prepaid airtime
  • Data bundles
  • SMS bundles
  • Prepaid electricity
  • Lotto

Dial *130*321# to register and start banking on your phone today!

For assistance, call 087 575 9405 .

Terms, conditions + rules apply.

Gold gets discount with ConeXis X1


As a Gold customer, you can get up to 100% off your monthly fee for ConeXis X1.

Monthly discount fees are structured differently for Gold, Premier, Private Clients and Private Wealth accounts. Customers will be billed R119. Thereafter, the discount corresponding to the level they are on will be deposited into their bank account. Rebates will be paid within 48 hours.

Free Bank Your Change®


That's where we round your card purchase up to the nearest rand and transfer the difference into your Savings Account. This means that you save every time you swipe

How does Bank Your Change® work?

How do I access my savings?

  • Get immediate access to your savings at no fee
  • Simply transfer funds to your transactional account via Cellphone Banking, Online Banking, The FNB Banking App or in-branch.

1. Activate Bank Your Change® on Cellphone Banking:

Login to you Cellphone Banking account (Dial *120*321#)

Step 1: Select option 5 (Save and Invest).

Step 2: Select option 6 (Savings Account)

Step 3: Savings Account already exists. OR Select the option of the Savings Account to maintain.

Step 4: Brief explanation of Bank Your Change®. Select option 1 (Continue)

Step 5: Select Bank Your Change top-up amount (R0, R2, R5, R10, R20 or R50). Select relevant option.

Step 6: Confirm details and T&Cs. Select option 1 (Confirm)

Step 7: Confirmation screen for Bank Your Change


2. Activate Bank Your Change® on Online Banking:

Step 1: Click ''Manage'' Savings Account on account settings

Step 2: If you are requesting Bank Your Change®, Click ''Add''

Step 3: Choose a top-up amount to be added to your left over cents every time you swipe, the options are R0 (bank left over cents) orR2, R5, R10, R20 and R50, then click ''Update''

Step 4: Select the ''Terms and Conditions'' to open and tick

Step 5: Click ''Submit'' to continue


Click ''Finish'' on success screen. You can top-up your Bank Your Change® by choosing a top-up amount of R2, R5, R10, R20 or R50. Each swipe adds that amount from your transactional account to the cents you've saved on your purchases, into your Savings Account. To add a top-up amount follow the same process used to activate Bank Your Change® and select the option Change top up amount and follow the screen prompts.

How to move up a reward level


Level Up challenge for Gold

5

Meet a fifth reward requirement from a new product group

4

Meet a fourth reward requirement from a new product group

3

Meet a third reward requirement from a new product group

2

Meet a second reward requirement from a new product group

1

Meet a first reward requirement from ANY product group

Reward requirements

My Cheque Credit card Digital Banking Borrow Home and car Start to save Family and Insurance
The total value of your card purchases and Cash@Till® withdrawals is more than all your cash withdrawals at ATMs and branches during the month*. Spend at least R2 500 on your credit card each month. Make at least two financial transactions on the app. Have used your overdraft to the amount of at least R1 000 each month. Have a Wesbank or a FNB Vehicle Finance account with your car on nav>>Car. Setup a debit order from your FNB Gold Cheque Account. Have a Linked Savings Pocket or Savings Account with a balance that grows by at least R250 each month. Have an FNB Life Policy with min cover of R400 000. Pay the premiums for your policy from your Gold Cheque account each month.

OR

OR

OR

OR

OR

OR

OR

Have at least three debit orders off your cheque account.

*ALL card purchases and cash withdrawals (Cash@Till® and ATM/FNB branch withdrawals) made using your FNB Gold Credit Card and FNB Gold Cheque Card will be considered for this requirement.
Spend at least R750 online using your credit card each month. Have Connect spend of R200 each month. Have a personal loan with original loan amount R10 000 where the debit order is set up from your FNB Gold Cheque Account. Have a Home loan or a Smart bond that has a flexi facility with an outstanding balance of R75 000, where the debit order is set up from your FNB Gold Cheque Account, or there is a salary stop order set up. Maintain a minimum monthly balance in your FNB Linked Savings Pocket or Savings Account, FNB Gold Cheque Account or FNB Fixed Deposit Account.

If you have an FNB Linked Savings Pocket, Savings Account or FNB Gold Cheque Account, you'll need to maintain a monthly balance of at least R5 000. If you have an FNB Fixed Deposit Account, you'll need to maintain a monthly balance of at least R10 000.
FNB Funeral Cover product of min R50 000. Have min two lives assured. Pay the premiums for your policy from your Gold Cheque account each month.

Look at how much you could earn on eBucks reward level 5 every month:


15% on fuel and Uber

If you spent R1 200 on fuel in a month, at any fuel station and Uber, you'd earn eB1 800

15% on groceries

If you spent R2 000 at Checkers & Shoprite in a month, you'd earn eB3 000

1,5% on shopping

If you swiped for R1 500 on your Credit Card in a month, you'd earn eB225

15% on connect

If you spent R200 on Connect airtime + data in a month, you'd earn eB300

Rand value

R180

back

Rand value

R300

back

Rand value

R22

back

Rand value

R30

back

That's a total of R532
back in eBucks and R150 on your FNB Smartphone every month

*Transacting on the FNB Banking App includes payments, transfers and purchases but excludes debit orders, deposits and viewing of accounts.

Qualifying spend excludes any device premiums linked to your contract(s).

Gold Cheque Account | Earn from R84 000 to R299 999 per annum.


Real value with Gold

We're talking unlimited day-to-day banking, borrowing money easily, rewards for banking
better, knowing what you pay for every month and saving towards your dream.

Here's what you get


Unbelievable value for only R105 per month

Unlimited banking

Get FREE digital banking, inContact, card swipes, electronic transactions and prepaid airtime purchases - safely and conveniently.



Free withdrawals and deposits

FREE Cash@Till® withdrawals and FREE FNB ATM withdrawals of up to R5000 pm and cash deposits of up to R5000 pm at FNB ATM with deposits.



More savings

Save money easily with a Savings Account and boost your savings with regular payments and Bank Your Change®.



Credit

Apply for credit and get immediate access for when you need it the most.



Rewards

Enjoy FREE membership to eBucks Rewards and earn eBucks that never expire which you can use towards fuel, shopping and travel.



Overdraft

Manage your cash flow better with an overdraft

You may qualify for an Overdraft up to an amount of R150 000 to make those payments when you may not have enough cash available in your account.

What's more, you can apply from the comfort of your home through any of our digital channels , meaning you always have enough cash for those unforeseen expenses.

The best part is that you pay no fees for your overdraft if you don't use it.

 
 

Savings Account

Grow your savings easily

Your Gold account comes with a Savings Account that makes saving easy.

Get a Savings Account and keep your transactions separate from your Gold Cheque Account. The Savings Account gives you immediate access to your money, helps you track your saving, makes it possible for you to schedule tranfers and allows you to Bank Your Change® every time you swipe your card.

The best part? It gives you a competitive interest rate.

Gain from the rewards of better banking


Rewards should be simple, easy to earn, and actually make a difference in your life. eBucks membership is free and rewards you with eBucks you not only earn through everyday banking, but can also spend at a number of retailers.

eBucks offers discounts on groceries, fuel, travel and more. You also enjoy rewards that never expire! The more FNB products you have and the higher your reward level, the more rewards you'll get.

 
 

Loans + Insurance

Expand
with Gold

There's more with Gold - you can apply for short and long-term credit. Short term options include the Temporary Loan. A Personal Loan, Home Loan, Car Finance are some of the options you can apply for under long-term credit.

In addition, your Gold Cheque Account allows you to take out insurance. This includes Funeral Insurance, Life Cover, as well as car and household insurance.

 

FNB Smartphone


Connect with Gold

Since Gold goes with the value, you get the following with FNB Connect:

  • 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
  • FREE delivery
  • Zero-rated Banking App use (pay no data costs)

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