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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.

Branches


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 Pocket
  • You may, at any time, take up the Encore Gold - Comprehensive Pricing Option by visiting your nearest branch or calling 087 575 9404

Encore Gold Cheque Account

The Encore Gold Comprehensive Pricing Option is available to customers age 55 and older with income between R 24 000 and R 350 000 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


Earn eBucks for doing everyday things


Your reward level are linked to the products you hold in eight FNB product groups. Each product group is linked to a reward level. Subscription to eBucks rewards is absolutely free.

There are three steps you'll need to follow to earn eBucks.

  • Qualify

    You need to meet the qualifying requirements that are specific to your FNB Encore Gold Account(s).

  • Move up a reward level

    Once you've qualified, you'll be able to move up a reward level by holding products from eight FNB product groups. Every product group represents a new reward level.

  • Earn

    Once you've qualified and your reward level has been determined, you'll be ready to earn eBucks.

For detailed information on how to qualify, earn and spend your eBucks Rewards please visit www.eBucks.com

 
 

Value for money


Enjoy great value and savings

As an Encore Gold Cheque 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 Cheque Account on the Comprehensive Pricing option, you will not pay a monthly account fee. In addition you will receive

  • A combination of 5 free branch/cheque and telephone transactions (excludes cash/cheque deposits)
  • 4 free FNB ATM cash 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

Encore accounts opened prior to 1 July 2015

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

Encore Gold Cheque 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 R6000 per month at an FNB ATM with deposits

FREE monthly statements

Receive free emailed monthly statements

What you get


Exclusive benefits

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

 

Linked Savings Pocket with Bank Your Change

Get a free Linked Savings Pocket 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

Linked Savings Pocket with Bank Your Change™


Get a free Savings Pocket linked to your Cheque Account which helps you save at competitive interest rates, and gives you immediate access to your savings when you need it. You can also Bank Your Change™ whereby, with each purchase you make with your Cheque Card, we will round up the purchase value and transfer the difference to your Savings Pocket.

In this way, you save while you spend!

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

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.

Applying made easy


Encore Gold Cheque Account

Qualifying criteria

  1. 55 years and older
  2. Earn between R24 000 and R350 000 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)