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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. Plus, you can do:


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 App:

Add or maintain Bank Your Change® to an existing Savings Account on FNB App

Step 1: Select ''Savings Account'' on FNB App

Step 2: Click the ''Bank Your Change®'' icon on the Savings Account settings to Add or maintain Bank Your Change®

Step 3: Select the top-up amount to be added to your left over cents every time you swipe, the options are R0 (bank left over cents) or R2, R5, R10, R20 and R50, then click ''Update''

Step 4: Click ''View Terms and Conditions''

Step 5: Tick ''I accept''

Step 6: Click ''Confirm'' to continue

Step 7: Click ''Finish'' on success screen - Updated the top-up amount



3. 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


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 payments 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

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Contact us

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