Home
Encore Gold Cheque Account
Search
Home
For Me
For My Business
For Corporates
Private Banking
Calculators
Rates + Pricing
About FNB + Legal
Contact Us + Tools
Careers at FNB

Close

Close

Please select

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Close

Please select

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Close

Close

Daily Banking

Close

Tools

Register Forgot Username or Password Verify payments

Close

Menu

Bank Lifestyles Events & Services Bank better

Switch to FNB

Do it now! Retrieve application

Transact

Bank accounts Credit cards Connect SIM Mobile accounts eWallet Smart devices and SIM Petro Card

Ways to bank

Digital Banking Branch, ATMs + Telephone Banking Digital Payment Solutions nav»

Savings and Investments

Save and Invest

Invest abroad

Global Wealth Solutions Global Account

Financial planning

Overview Personal goals Child's education Emergencies Retirement In retirement Tax free Estate + legacy planning Employee Benefits

Borrow

Credit cards Home loans Overdraft Personal loan Revolving facility Securities Based Lending Student loan Temporary loan Vehicle finance

Insure

Insurance

Forex

Foreign exchange solutions

eBucks Rewards

eBucks Rewards SLOW

Switch to FNB

Do it now!

Lifestyles

Youth accounts FNB EasyPlan FNB Gold Islamic banking Premier Young Professionals Medical Professionals Premier Select Over 55s Encore - Over 55s Retirement

Switch to FNB

Do it now!

Events

Events

Services

DebiCheck and Debit Order Balance Alert Limit Alert LOTTO and PowerBall Prepaid products Soccer six Traffic fines Debit order + salary switching inContact iTunes gift codes Payments and Debit Orders DStv Payments Account Closure Guide

Switch to FNB

Do it now!

Bank better

Learn about banking Demos FNB App guides

Close

Switch to FNB Business

Apply now! Retrieve application

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)

Transact

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

Savings and Investments

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

Borrow

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

Insure

Insurance

For my employees

Solutions for employers

Forex + Trade

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

Value Adds + Rewards

the dti initiatives Business Talk eBucks Rewards for Business DocTrail™ CIPC Instant Accounting Solutions Instant Payroll Instant Cashflow Instant Invoicing SLOW 24/7 Business Desk FNB Business Fundaba

Industry Expertise

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

Going Global

Global Commercial Banking

Financial Planning

Overview

Bank Better

Demos KYC / FICA Debit order + recipient switching Electronic Alerts

Close

Switch to FNB

Do it now!

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

Close

Home Loans

Affordability Bond Calculator Replacement Value

Day to day banking

Budget Future Value Credit Cards

Shares

Share Builder Share Investor

Vehicle Finance

Vehicle Repayment Vehicle Purchase Price

International

Forex

Close

Product Rates

Save and Invest Transactional Savings Legal Practitioners and General Trust Account Global Accounts

Pricing Guide

Overview

Rates

Foreign Exchange Rates Lending Rates

Indicators and Share Price

SA Indicators

Close

News + Insights

Press Office Economics commentary Insights

Close

Terms + Conditions

Product Terms and Conditions Promotions Terms and Conditions Legal Matters

Social Responsibility

FNB Fund FNB Volunteers

About Us

World of FNB

FNB Subsidiaries

Botswana Lesotho Ghana Namibia Swaziland Tanzania Zambia Channel Islands

Close

Talk to us + important numbers

Contact us

Fraud + Disputes

Security Centre

Locators

ATM Locator Branch Locator/Book a Branch Visit

Tools

Debit order + salary switching Track and Trace Lead Form Tracking Upload Documents - For Me Upload Documents - For My Business Reporting a death Software Downloads FNB Approved Suppliers Verify Guarantee Verify Statements Verify Payments Verify Account Confirmation/Visa Application Letters eWallet balance enquiry iContract

Close

Careers at FNB

Find out more about careers at FNB Apply here

Close

Close

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

Compare similar

Compare

Additional options

Show me all Help me chosse Find an advisor

Financial planning

Overview

Close

Close

Your login details have been entered incorrectly


Please note that on your third failed attempt, your profile will be blocked.

Username

Password

Forgot your login details?


Reset your Username or Password

Forgot your login details?




Reset your Username or Password

Your login details have been entered incorrectly


This is your third and last login attempt available.

Your profile will be blocked if you fail to enter your login details correctly.

Oh no!


We've noticed that you've tried to login more than 3 times.

This could help

Reset your Username or Password

You might have blocked your Online Banking Profile.

In order to unblock your profile, reset your username and password.

Close

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 pass
  • 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: 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.

Close

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.

Close

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.

Close

Branches

Close

Encore accounts opened prior to 1 July 2015

  • You will remain on your current product and pricing option
  • Your Monthly Fee will be rebated if you maintain the following minimum balances on the Standard Pricing Option:
    • Cheque Balance Option: R 2 000.00
    • Savings Pocket Option: R 10 000.00
  • No credit interest will be paid on balances in your Encore Gold Account from 1 July 2015
  • Preferential Interest will still be paid on balances in your Savings Pocket
  • You may, at any time, take up the Encore Gold - Comprehensive Pricing Option by visiting your nearest branch or calling 087 575 9404

Close

New ways to get rewarded

Make your money go further each month with more rewards and family benefits from eBucks.

Even more ways to earn

  • Earn up to R4 per litre back in eBucks at Engen when you have accepted the nav» Car terms of use for your vehicle that is loaded on the FNB App under nav» Car
  • Earn up to R8 per litre back in eBucks per quarter at Engen when your vehicle is financed with WesBank, Toyota Financial Services or Volkswagen Financial Services and you have accepted the nav» Car terms of use on the FNB App
  • Earn up to 15% back in eBucks at Checkers and Shoprite
  • Earn up to 15% back in eBucks at KFC
  • Earn up to 40% back in eBucks on bus tickets at Intercape
  • Enjoy a fresh smoothie, coffee or up to R100 to spend in-store at KAUAI every month when you use your FNB Gold Fusion or Credit Card for 100% of your monthly spend.

Even more family benefits

  • Earn up to 40%* off on selected flights and car rental for you and family with eBucks Travel
  • Enjoy 2-for-1 specials in 2020 with The ENTERTAINER™ and let FNB cover the sign-up cost

*Discount excludes taxes.

For more information on eBucks Rewards and how you can make your money go further, download the FNB App and under the eBucks Rewards tabs or visit www.ebucks.com .
Terms, conditions and rules apply.

Encore Gold Account

The Encore Gold Account is available to customers age 55 and older with income between R24 000 and R359 999 per annum.

This account gives you the freedom to spend your money the way you want to, and manage your finances hassle free.

Get rewarded
Apply now!

Get rewarded

New ways to get rewarded

Make your money go further each month with more rewards and family benefits from eBucks.

Even more ways to earn

  • Earn additional eBucks with Smart Spend when you use your FNB Encore Gold Card or FNB Pay for your monthly spend
  • Earn up to 40% back in eBucks on your Netflix and Spotify® subscriptions (Family benefit)
  • Earn up to 100% of your monthly FNB Fusion Gold Account fee back in eBucks when you invest with FNB
  • Earn up to 100% of your monthly account fee back in cash when you have an FNB Fusion Gold account and all your personal loan debt with FNB

Even more rewards partners

  • Earn up to 15% back in eBucks on health and beauty at Clicks
  • Earn and spend eBucks on food orders with the Mr D Food App
 
Value for money
 

Value for money

Enjoy great value and savings

As an Encore Gold Account holder, you enjoy great savings.

Your opportunity to bank for free - If you maintain a minimum balance of R10 000 in your Encore Gold Account on the Comprehensive Pricing option, or in any of FNB's Savings and Cash Investments Accounts, you will not pay a monthly account fee. In addition you will receive

  • A combination of 2 free branch/cheque and telephone transactions (excludes cash/cheque deposits)
  • Free withdrawals up to the value of R2000 per month at an FNB ATM (including Cash@Till and Cardless withdrawals)
  • Delivery of your Encore Personal Cheque Card to your home or office
  • Possible qualification for a new smartphone, tablet or laptop at discounted prices - over a 24-month period with 0% interest
  • The drafting and registering of your Trust Deed/Will
Get more value

Close

Encore accounts opened prior to 1 July 2015

  • You will remain on your current product and pricing option
  • Your Monthly Fee will be rebated if you maintain the following minimum balances on the Standard Pricing Option:
    • Cheque Balance Option: R 5 000.00
    • Savings Pocket Option: R 10 000.00
  • No credit interest will be paid on balances in your Encore Gold Cheque Account from 1 July 2015
  • Preferential Interest will still be paid on balances in your Savings Account (Pocket)
  • You may, at any time, take up the Encore Gold - Comprehensive Pricing Option by visiting your nearest branch or calling 087 575 9404
 

Free data, voice minutes & SMSs

Helping you make your
money go even further

With your qualifying Encore Gold Cheque Account, you could get up to 300 MB free data,
30 voice minutes* and 30 SMS allocations on your FNB Connect SIM each month.
Just another way FNB gives you more value!

*Free minutes apply to local calls only

Read more on how to get the full benefit

What's hot

Encore Gold Account

What's hot

FREE electronic prepaid purchases

Receive unlimited free electronic prepaid purchases.

FREE swipes when you pay

Receive unlimited free swipes when you use your Encore Card to pay

FREE cash withdrawal

Draw cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer store tills FREE of fees.

FREE subscription to inContact

This means we'll SMS you every time more than R 100 goes out of - or into - your account.

FREE deposit

Free deposits up to the value of R2000 per month at an FNB ATM with deposits

What you get

What you get

Exclusive benefits

The Encore Gold Account offers rewards and benefits exclusively designed for customers age 55 and over.

 

Savings & Invest

Get a free Savings Account and save as you spend with Bank Your Change™

Read more

Short-term credit solutions

Choose the solution that suits you best to help you out when you need a little extra

Read more

Simple account management

Close

Savings Account with Bank Your Change™

Get a free Savings Account to help you save for emergencies and unforeseen expenses. This is exclusive to individual cheque account holders. You get competitive interest rates, and immediate access to your savings when you need it.

Save while you spend, with Bank Your Change®. Every purchase you make with your Cheque Card will be rounded up and the difference paid to your Savings Account.

Save regularly by setting up a Schedule Transfer from your cheque account.

Close

Short-term credit solutions

Overdraft

Only pay when you use it! Overdraft is a short-term credit facility that can be used to cover unforeseen expenses or to serve as a safety net. You must have an active FNB Cheque Account to apply for an Overdraft Facility:

  • 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
  • No minimum monthly repayments as long as you remain within the agreed limit and make regular deposits (such as your salary) into your FNB Cheque Account.
  • Personalised interest rate based on your credit profile
  • Optional Debt Protection available in case of your death, permanent disability, retrenchment or temporary disability

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 funds are immediately available in your FNB Cheque Account
  • 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 Cheque Account from the day after taking up the loan may be allocated towards the payment of the loan
  • You may qualify for additional eBucks

Revolving Loan

Our Revolving Loan offers you a loan, based on your credit profile, for as long as you need it, as well as the ability to access your funds at any time - provided you have paid at least 15% of your original loan amount back.

  • No initiation fees
  • Fixed monthly repayments - making it easier for you to budget
  • You get a competitive and affordable, personalised interest rate
  • Optional Debt Protection available in case of your death, permanent disability, retrenchment or temporary disability

Close

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.

Simple account management

It's easy, secure + subscription is FREE

Manage your accounts on the go, wherever, whenever you want with Online Banking. Download the FNB Banking App for free and do all your banking the way you've been doing it online and on your cellphone and more.

FNB App

Access at your fingertips

Online Banking

Available 24/7 365 days a year

Cellphone Banking

Banking on the go

Branches

Locate FNB branches countrywide

ATMs

Locate FNB ATMs countrywide

Applying made easy

Applying made easy

Encore Gold Account

Qualifying criteria

  1. 55 years and older
  2. Earn between R24 000 and R359 999 per annum

Ways to apply

Apply now!

Other ways to apply

Complete the call me back form

Find a branch

Documents needed

  • South African ID Book/card or a valid South African passport (SA resident)
  • Passport with valid work/retirement permit (non-SA resident)
  • Proof of residence (in your name, and not older than 3 month's)
  • Latest payslip or last three months' bank statements (for overdraft applications only)

Terms and conditions apply

Back to top
First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).