Home

For Me
& My Family

For My Business

Corporates + Public Sector

Private

Calculators

Rates + Pricing

About FNB + Legal

Careers at FNB

What would you like to do?

Start new application

Retrieve existing application

Please select

For Me

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

Please select

Start new application

Need help with the process?

Daily Banking

Tools

Switch to FNB

Product Shop

Financial Solutions

Bank Invest Borrow Insure Connect

Ways to bank

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

Invest abroad

Global Solutions

Financial planning

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

Forex

Foreign exchange solutions

eBucks Rewards

eBucks Rewards SLOW

Switch to FNB

Product Shop

Lifestyles

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

Switch to FNB

Product Shop

Events

Services

DebiCheck and Debit Order Balance Alert Limit Alert Soccer six Switching Services inContact Payments and Debit Orders Account Closure Guide

Switch to FNB

Product Shop

Bank better

Learn about banking FNB App guides

Switch to FNB Business

Product shop

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)

Transact

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)

Borrow

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

Insure

Insurance

For my employees

Staffing Solutions Employee benefits

Forex + Trade

Foreign Exchange Imports and exports Structured Trade + Commodity Finance Business Global Account (CFC account)

Value Adds + Rewards

Connect my business the dti initiatives Enterprise and supplier development Business Hub eBucks Rewards for Business DocTrail™ CIPC Integration Channel 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

Overview

Bank Better

KYC / FICA Debit order + recipient switching Electronic Alerts

Corporates + Public Sector

Corporate Public Sector

Home Loans

Affordability Bond Calculator

Day to day banking

Budget Future Value Credit Cards

Share Investor

Vehicle Finance

Vehicle Repayment Vehicle Purchase Price

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

News + Insights

Press Office Economics commentary Insights Business Hub

Terms + Conditions

Product Terms and Conditions Promotions Terms and Conditions Legal Matters

About Us

World of FNB

News + Insights

Press Office Economics commentary Insights Business Hub

FNB Subsidiaries

Botswana Lesotho Ghana Namibia Swaziland Zambia Channel Islands

Talk to us + important numbers

Fraud + Disputes

Security Centre

Locators

ATM Locator Branch Locator/Book a Branch Visit eWallet GEO Locator

Tools

Switching Services Track and Trace Lead Form Tracking Upload Documents - For Me Upload Documents - For My Business Reporting a death Software Downloads FNB Approved Suppliers FNB Prospective Suppliers Verify Guarantee Verify Statements Verify Payments Verify Account Confirmation/Visa Application Letters eWallet balance enquiry

Careers at FNB

Find out more about careers at FNB Apply here

FNB App

How-to guides

Register with Online Register without Online Add beneficiary Pay recipient Manage cards Buy prepaid electricity Buy prepaid airtime and data Send eWallet Download verified statement Secure Chat® Reset your password

All savings + investment accounts

Cash deposits

Notice deposits Immediate access Access to a portion Fixed deposits

Share investing

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 Tax-free

Compare similar

Compare

Additional options

Show me all Help me chosse Find an advisor

Financial planning

Overview

Overdraft

Helping you manage your money better

An overdraft can help you access additional funds when you need it the most. Enjoy the convenience of an overdraft for those unforeseen emergencies and extra responsibilities.

Helping you enjoy more ease
and convenience

Apply your way

You can easily apply for an overdraft via the FNB App.

Access funds when you need them

Upon application, cash is available for immediate usage.

Tailored interest

Get a personalised interest rate.

Understanding how it works

You need to have an active "qualifying" FNB transactional account to apply for an overdraft on the FNB App or Online Banking.

The interest rate is subject to customer profile and scoring, with a minimum interest rate of prime + 1% and maximum of NCA Max.

View detailed breakdown

Alternative solutions for you

Fusion

Get a day-to-day transactional bank account with a credit facility of up to 30 days' interest free on card purchases.

Find out more

Fusion

Select a Fusion account that suits you, your lifestyle and your financial bracket.

FNB Fusion Aspire

Required income: R84 000 - R299 999

Start with more and enjoy simplified everyday banking with a linked credit facility, more rewards and value.

Take me there

FNB Fusion Premier

Required income: R300 000 - R749 999

Enjoy all-in-one convenience with a day-to-day bank account, a linked credit facility and eBucks rewards every time you use your card.

Take me there

FNB Fusion Private Clients

Required income: R750 000 - R1 799 999

A well-rounded transactional account with a credit facility and a focus on financial management.

Take me there

FNB Fusion Private Wealth

Required income: R1 800 000illion or more per annum or R15 million net asset value

A relationship-banking focussed account that gives you all-in-one convenience with access to a dedicated private advisor and a linked credit facility.

Take me there

Estimated overdraft repayment

The estimated monthly repayment on a R50 000 credit limit at an interest rate of 17.5% per annum would be R798, which includes all service fees and interest.

FNB Overdraft offer example

Credit limit:	R 50 000.00
Initiation fee: paid upfront in cash/deducted from the credit limit	R0
Nominal Annual Interest Rate (Variable)	17.50 %	The interest rate is subject to the maximum annual variable interest rate allowed by the NCA.
Personalised Annual Variable Interest Rate	13.00 %	Should you conduct your Credit Agreement favourably (within the ambit of the terms and conditions) we may reward you with a rebate on the interest rate payable which is subject to customer profile and scoring.
Service fee	R 69.00 (includes VAT)	This fee is payable monthly
Estimated monthly instalment payable (including capital, interest, fees and VAT)	R 798.00	Estimated minimum monthly repayment amount, including, interest, fees, and charges.
Estimated total of all instalments including capital interest, fees and VAT	R 59 578.00	This amount is calculated on the assumption that: a. Your interest rate does not change over the 12 month period b. On approval, you use the total Credit Limit c. You pay us the monthly instalment over a 12 month period d. You do not withdraw again up to the original Credit Limit.

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

What would you like to do?

Please select

Please select

Please select

Daily Banking

Tools

Menu

Switch to FNB

Financial Solutions

Ways to bank

Invest abroad

Financial planning

Forex

eBucks Rewards

Switch to FNB

Lifestyles

Switch to FNB

Events

Services

Switch to FNB

Bank better

Switch to FNB Business

By Turnover

Transact

Savings and Investments

Borrow

Insure

For my employees

Forex + Trade

Value Adds + Rewards

Industry Expertise

Going Global

Financial Planning

Bank Better

Corporates + Public Sector

Home Loans

Day to day banking

Shares

Vehicle Finance

Product Rates

Pricing Guide

Rates

Indicators and Share Price

News + Insights

Terms + Conditions

About Us

News + Insights

FNB Subsidiaries

Talk to us + important numbers

Fraud + Disputes

Locators

Tools

Careers at FNB

FNB App

How-to guides

All savings + investment accounts

Cash deposits

Share investing

Tax-free investing

Funds/unit trusts

Invest abroad

I want to save for

Compare similar

Additional options

Financial planning

Overdraft

Helping you manage your money better

Helping you enjoy more ease and convenience

Apply your way

Access funds when you need them

Tailored interest

Understanding how it works

Alternative solutions for you

Fusion

Fusion

FNB Fusion Aspire

FNB Fusion Premier

FNB Fusion Private Clients

FNB Fusion Private Wealth

Estimated overdraft repayment

Helping you enjoy more ease
and convenience