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What is a SWIFT code?


The Society for Worldwide Inter-bank Financial Telecommunication (SWIFT) is an electronic communication method used by banks all over the world to correspond with each other in a secure and standardised way. SWIFT transfers are secure, standardised, relatively inexpensive and extremely quick.

If you are unsure of the SWIFT code, simply select Foreign Bank Search while capturing your Global Payment application.

FNB's SWIFT code is FIRNZAJJ

When entering the SWIFT code, please make sure that all the letters are in uppercase.

South African Exchange Control Requirements


All foreign exchange transactions in South Africa are subject to exchange control regulations, governed by the South African Reserve Bank. In accordance with compliance and as an authorised dealer, we provide you with the rules applicable to South African residents travelling abroad . Full details can be found on the South African Reserve Bank's website.

Rules for South African residents travelling abroad


  • Foreign currency for travel purposes may not be bought more than 60 days prior to the departure of the traveller.
  • Travel allowance covers a calendar year (1 January - 31 December)
  • Any unutilised portion of a travel allowance must be resold to an authorised dealer within 30 days of your return. You may however, reapply for the unused portion of your discretionary allowance at any time during the calendar year.
  • A South African resident over the age of 18 is entitled to a single discretionary allowance of up to R1 million per calendar year. The single discretionary allowance may be used for any legal purpose abroad (including for investment purposes). This dispensation may be utilised solely at the discretion of the resident without any documentary evidence having to be produced to the authorised dealer except for travel purposes outside the Common Monetary Area where a passenger ticket needs to be produced.
  • Children under the age of 18 years qualify for a travel allowance of R200 000 per calendar year. For travel purposes, a valid travel document must be presented, indicating that the journey commences from South Africa. Allowance may not be issued more than 60 days prior to departure.
  • The costs of land arrangements (hotels, cruises, tours, etc.) are deductible from a travel allowance, except the payment of airfares in rands.
  • In addition, each traveller may take R25 000 in South African Reserve Bank bank notes when visiting abroad.
  • Where the insurance value of your personal belongings not for sale, exceeds R50 000, you will need a NEP form attested by a bank or by Customs and Excise. Please enquire at your nearest FNB branch should you need this form.

Manage your Global Account


How do I open a Global Account online?

  • Login to your Online Banking profile
  • Select 'Apply Online Now'
  • Select 'For Me'
  • Select 'Global Account'
  • Accept the Terms and Conditions
  • Select the required currency
  • Complete the fields and new account details will be emailed to you

How do I transfer funds from my FNB Cheque account into my Global Account?

Have your personal income tax number with you

  • Login to your Online Banking profile
  • Select the 'Transfer' tab
  • Select the Global Transfer icon
  • Complete the details and select the following as the Reason for Transaction: 512-04: Deposit into a foreign currency account

Important Note:If you transferring less than R1million and you are within your Single Discretionary Allowance, leave the following fields blank:

  • Tax Clearance Certificate Reference
  • SARB Authorisation Application Number
  • SARB Authorisation Reference Number

View the interest rates


CURRENCY BALANCE TIERS* US Dollar Great
British
Pound
Australian
Dollar
Euro Indian
Rupee
Chinese
Renminbi
Canadian
Dollar
Swiss
Franc
United Arab
Emirates Dirham
0 5,000 0.30% 0.15% 1.75% 0.00% 3.75% 0.00% 0.00% 0.00% 0.00%
5,001 10,000 0.30% 0.15% 1.75% 0.00% 3.75% 0.00% 0.00% 0.00% 0.00%
10,001 15,000 0.30% 0.15% 1.75% 0.00% 3.75% 0.00% 0.00% 0.00% 0.00%
15,001 25,000 0.30% 0.15% 1.75% 0.00% 3.75% 0.00% 0.00% 0.00% 0.00%
25,001 50,000 0.30% 0.15% 1.75% 0.00% 3.75% 0.00% 0.00% 0.00% 0.00%
50,001 100,000 0.30% 0.15% 1.75% 0.00% 3.75% 0.00% 0.00% 0.00% 0.00%
100,001 250,000 0.35% 0.20% 1.75% 0.00% 3.75% 0.00% 0.00% 0.00% 0.00%
250,001 Greater 0.40% 0.25% 2.25% 0.00% 5.75% 0.00% 0.00% 0.00% 0.00%

* Interest rates are calculated per annum and are subject to change without prior notification.

Global Account


Save in foreign currencies

With the FNB Global Account you can start saving and transacting in nine foreign currencies without having to leave South Africa. You can open and manage your Global Accounts online with the same ease as an FNB Cheque Account. It's a safe and secure way of saving in a foreign currency.

What you get


Open + manage your currency account online

A Global Account is an account in a foreign currency that allows you to invest your foreign investment allowance. Open and manage an account online in the currency of your choice and earn interest. To transfer funds from your FNB Cheque Account into your Global Account simply login, select Transfer, select Global Transfer icon and complete the relevant details.

  • Earn interest
  • No monthly fees
  • No minimum balance required
  • Make payments to offshore beneficiaries
  • Earnings from abroad can be paid into your Global Account
  • View balances and transaction history online or via the FNB Banking app
  • Do transfers between your Global Accounts
  • Keep funds relating to your authorised offshore assets in foreign currency
  • Convert from a foreign currency into rand or other Global Account currencies
  • Use your Global Account to order, reload and cash out your Multi-currency Cash Passport before, during and after you travel

Making offshore payments from your Global Account is now as simple as 1,2...

  1. Set up your beneficiary using the 'Forex' tab on your FNB Online Banking Profile
  2. Capture all payments details and make the payment from your Global Account
 

How it works


Manage your Global Account

You have the option to invest funds abroad making use of the R1 million Single Discretionary Allowance, or the Foreign Investment Allowance for investments of up to R10 million using one of the following channels.

Online

How to open and fund a Global Account

Read more

Interest rates


Earn interest on your Global Account

View the interest rates

 

Applying made easy


Global Account

Qualifying criteria

  1. A South African resident
  2. A tax payer
  3. 18 years or older
  4. The holder of a qualifying FNB Cheque Account in good standing

Ways to apply

Apply now!

Other ways to apply

Complete the call me back form

Documents needed

  • If you simply want to start investing your funds abroad every month, you can make use of your R1million single discretionary allowance; without having to provide a Tax Clearance Certificate! (Remember, when managing your limit this allowance covers travel, gifts and a number of other types of transactions including investment)
  • Should the R1million not be sufficient, you can also make use of your R10million foreign investment allowance; with the relevant tax clearance certificate

Original supporting documentation to be delivered to your local FNB branch, Private Banker, or couriered to the FNB Forex offices.