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For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Please select

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

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By Turnover

First Business Zero (R0 - R5 million p.a) Gold Business (R0 - R5 million p.a) Platinum Business (R5 million - R60 million p.a) Enterprise Business (R60 million - R150 million+ p.a)


Business Accounts Credit Cards Cash Solutions Merchant Services eWallet Pro Staffing Solutions ATM Solutions Ways to bank Fleet Services Guarantees

Savings and Investments

Save and Invest 3PIM (3rd Party Investment Manager)


Overdraft Loans Debtor Finance Leveraged Finance Private Equity Vumela Securities Based Lending Selective Invoice Discounting Asset Based Finance Alternative Energy Solutions Commercial Property Finance Fleet Services



For my employees

Staffing Solutions Employee benefits

Forex + Trade

Foreign Exchange International Trade Structured Trade + Commodity Finance Business Global Account (CFC account)

Value Adds + Rewards

Connect my business the dti initiatives Business Hub eBucks Rewards for Business DocTrail™ CIPC Instant Accounting Solutions Instant Payroll Instant Cashflow Instant Invoicing SLOW 24/7 Business Desk FNB Business Fundaba nav» Marketplace Prepaid products Accounting integrations

Industry Expertise

Philanthropy Chinese Business Islamic Banking Agriculture Public Sector Education Healthcare Franchise Motor Dealership Tourism

Going Global

Global Commercial Banking

Financial Planning


Bank Better

Demos KYC / FICA Debit order + recipient switching Electronic Alerts

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Product Shop

Corporates + Public Sector

Corporate Public Sector

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Private Banking

Private Banking

Find a branch

Aspire's best features

FNB Banking APP

Discover Fast, reliable and secure banking, whenever, wherever on the FNB App. Enjoy full control of your banking,24/7,without the need to go to a branch Plus,the FNB App is free to use on all major networks. No data costs are charged no matter how many transactions or how long you use the app.

Do your day-to-day banking:

  • Manage your credit limit with the option to increase or decrease it
  • View and change your PIN
  • Temporarily block and unblock your card
  • View and download statements
  • Cancel and order a new card
  • View balance and transaction history
  • Manage daily transactions limits
  • Report fraud immediately
  • Get access to your team of bankers with Secure chat
  • Track your eBucks rewards

You can also buy:

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

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: 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.

Aspire gets discount with ConeXis X1

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

Monthly discount fees are structured differently for Aspire, 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 Aspire


Meet a fifth reward requirement from a new product group


Meet a fourth reward requirement from a new product group


Meet a third reward requirement from a new product group


Meet a second reward requirement from a new product group


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 Aspire Current 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 Aspire Current Account each month.








Have at least three debit orders off your current account.

*ALL card purchases and cash withdrawals (Cash@Till® and ATM/FNB branch withdrawals) made using your FNB Aspire Credit Card and FNB Aspire Current 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 Aspire Current 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 Aspire Current 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 Aspire Current Account or FNB Fixed Deposit Account.

If you have an FNB Linked Savings Pocket, Savings Account or FNB Aspire Current 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 Aspire Current 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



Rand value



Rand value



Rand value



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).

Aspire Account for your spouse or partner

Existing customers can now invite their spouse or partner to experience the same level of benefits, rewards and service that they have become accustomed to, regardless of their spouse's income.

For a single discounted monthly fee of R49, a spouse or partner will get access to an all-inclusive portfolio of products, which includes the Aspire Current Account fee and eBucks Rewards programme.

New ways to get rewarded

Get up to 3x your monthly account fee back in value

When you spend at our partners

  • Up to R150 back in eBucks at Checkers, Shoprite or Usave
  • Up to R150 back in eBucks at Clicks
  • Up to R150 back in eBucks at Engen
  • Up to R150 back in eBucks at Intercape

When you learn from home

Learn from home & save by using eBucks to buy eTextbook voucher with Snapplify

When you stay connected

Up to 1GB data, 30 voice minutes & 30 SMSs every month on your FNB Connect SIM

When you travel

Up to 2 bonus SLOW Lounge visits when you book flights with eBucks Travel using your FNB Aspire Fusion Card

Get a free Wimpy breakfast or burger at participating Engen 1Stops every quarter.

To qualify for extra data

  • Spend R100 or more on your FNB Connect SIM Card
  • Seniors 60 years of age and above will receive 1GB Extra every month on their FNB Connect SIM Card when they meet the minimum spend of R100.
  • Customers that do not qualify for eBucks will get 200MB of extra data each month on their FNB Connect SIM Card when they meet the minimum spend of R100. (max 3 allocations)

Aspire Current Account | Annual salary between R120 000 to R449 999

Get SA's Best Value Account*

*Voted cheapest bank account in its category - Solidarity Bank Charges Report 2022

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.

Your spouse or life partner can get the all-inclusive Aspire Current at a single, discounted fee.

2021 / 2022 pricing guide

Here's what you get

Unbelievable value for only R105 per month

Unlimited banking

Get digital banking, two eWallet sends, inContact, card swipes, electronic transactions and prepaid airtime purchases - safely & conveniently.

Withdrawals and deposits

Cash withdrawals of up to R3 000 pm at FNB ATMs and cash deposits of up to R3 000 pm at FNB ATMs and selected retailers.

More savings

Save with a Savings Account that offers a competitive interest rate and boost your savings with Bank Your Change®.


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


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

Read more

More value with

data rewards on your FNB Connect SIM

Get rewarded with 500MB, 30 voice minutes and 30 SMSs every month on your FNB Connect SIM when you qualify for eBucks Rewards. Plus get rewarded with an extra 500MB data every month when you spend* R100 or more on your FNB Connect SIM card and qualify for eBucks Rewards at the time that you spend.

How to qualify for extra data

*Free minutes apply to local calls only.

Read more



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.

Subject to affordability


Bring the family
together with Aspire

We know how important family is. Which is why we have designed our banking
solutions to help your family 24/7!

For your spouse

Now your spouse or life partner can enjoy the same Aspire banking experience at a reduced monthly fee.

Read more

For the kids

FNBy is for your kids, teens and young adults. Like most things, the journey to becoming financially responsible requires practice. And the sooner your children begin to understand how money works, the better they'll get at managing it.

Read more

For the retirees

Our Encore Aspire Account is perfect for over people over 55 years. Get great value for money, lifestyle benefits and rewards.

Read more


Savings Account

Grow your savings easily

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

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

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


Loans + Insurance

Aspire for

There's more with Aspire - 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 Aspire Current Account allows you to take out insurance. This includes Funeral Insurance, Life Cover, as well as car and household insurance.

Create & pay with your own
virtual card

The FNB Virtual Card on the FNB App is a faster, safer and more secure way to pay for online
and in-store purchases wherever you are in the world. You can also create an unlimited
number of cards at no additional cost to use as you need them.

It's safe

Your CVV number changes every hour. Create, cancel, delete or block your card at any time.

It's convenient

Virtual cards can also be used for FNB Pay (Tap to Pay, Scan to Pay) and all partner wallet transactions, including Apple Pay,
Samsung Pay, Fitbit Pay and Garmin Pay, without the need for a physical card.

Earn eBucks

Choose more value for you and your family and earn eBucks while you spend online

FNB Purchase Protect

Get instant insurance for items purchased with your virtual card at no cost to you

Tell me more

Applying made easy

Aspire Current Account

Qualifying criteria

Annual salary between R120 000 - R449 999

Qualifying criteria for partner

An FNB Aspire Current Account or Fusion Aspire Account

No annual income criteria for partner

With our Aspire Current Account for your spouse or partner, they qualify for the same account as you regardless of their income.
Spousal terms and conditions

Ways to apply

Apply now!

Other ways to apply

Complete the call me back form

Contact us

Find a branch

Aspire Current Account for your spouse or partner

Call me back

Documents needed

  • South African ID Book/card
  • Proof of residence
  • Recent payslip

For the retirees

FNB understands that life changes as you retire. We are here to help as you venture into this new life stage. Retired individuals can now share in the benefits of a solution designed specifically to cater your unique needs, post retirement.

Get more with retirement solution

Enjoy all the value that an Aspire client brings together with additional benefits that retirement brings. As an FNB Aspire client, if you invest R150, 000 you will get 50% off your monthly account fee or invest R250, 000 and get 100% off.

More Value - Less Fees

Get more

  • Earn preferential rates on your fixed deposits
  • Structure your retirement to suit your specific income needs with a Living Annuity.
  • Discount estate administration fee

More rewards

  • Double eBucks reward level points when you invest

More help

  • Free advice session to ensure you are on track