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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


Saving and Investment Interest Rates

These rates are unavailable at this time.

32 Day Interest Plus

Access your money in 32 days

Aim to reach your savings goals.Minimum opening balance of R100

What's hot

Flexible notice

Access your money in 32 days at no cost, or sooner at a cost

Add money

Add money at any time using any FNB channel

Access your money

Load multiple notices at any time

Tiered interest

Interest rates are based on the amount you invest

Do it online

Open and manage your account online

What you get

The ability to set up monthly payments into the account

Interest rate increases after 32 days, and again after 64 days - provided that there is no notice to withdraw your funds.

A 32-day notice period for withdrawals

Earn eBucks reward level points*

View ebucks

Read more

Applying made easy

Qualifying criteria

Qualifying Criteria

  • Be a South African citizen
  • Be 18 years or older
  • Opening balance of R100

Terms, conditions + rules apply

Ways to apply

Call me back

Other ways to apply

Find a branch

Documents needed

You will need to bring proof of

Identity: a South African green bar-coded identity document.
Note: a valid passport or a copy of the relevant permit is required if you are a Foreign National.

Physical address: A recent utility account(not older than three months)For example: rates taxes,water,electricity or telephone account. You can also use a retail account such as clothing, pharmacy, veterinary or doctors' account ect.

Income tax number(s): if issued

32 Day Flexi Notice

Published at 2022-05-20

Amount Nominal Interest Rate (per annum) Annual Effective Rate
R1 000 - R4 999 3.75% 3.82%
R5 000 - R9 999 3.75% 3.82%
R10 000 - R19 999 3.75% 3.82%
R20 000 - R29 999 4.15% 4.23%
R30 000 - R39 999 4.25% 4.33%
R40 000 - R49 999 4.35% 4.44%
R50 000 - R74 999 4.65% 4.75%
R75 000 - R99 999 4.70% 4.80%
R100 000 - R499 999 4.75% 4.85%
R500 000 - R999 999 4.80% 4.91%
R1m - R4 999 999 4.85% 4.96%
R5m+ 4.95% 5.06%

Nominal rate per annum (NACM): This is the annualised interest rate that you will earn daily and is capitalised monthly. This rate does not take into account the compounding interest effect.

Annual Effective Interest rate: Annualised interest rate that takes into account the compounding interest effect for one year assuming interest is not withdrawn.