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> R10m annual turnover

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Corporate Public Sector

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Non-resident 32 Day Flexi Notice

Published at 2021-07-01

Amount Nominal Interest Rate (per annum) Annual Effective Rate
R1 000 - R4 999 2.50% 2.53%
R5 000 - R9 999 2.50% 2.53%
R10 000 - R19 999 2.50% 2.53%
R20 000 - R29 999 2.90% 2.94%
R30 000 - R39 999 3.00% 3.04%
R40 000 - R49 999 3.10% 3.14%
R50 000 - R74 999 3.40% 3.45%
R75 000 - R99 999 3.45% 3.51%
R100 000 - R499 999 3.50% 3.56%
R500 000 - R999 999 3.55% 3.61%
R1m - R4 999 999 3.60% 3.66%
R5m+ 3.70% 3.76%

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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.


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.

What you should know about interest

  • Interest is calculated on a daily balance and paid monthly
  • Interest can be capitalised onto the account or redirected to another non-resident account
  • If the interest rate increases or decreases, it becomes effective immediately

Moving Money In and Out

These helpful guidelines will assist you in understanding the South African Reserve Bank (SARB) Exchange Control Rules and Regulations to move money in and out of the country.

How to Take Money In and Out

  • Clients can deposit and withdraw funds on demand as long as the transactions are within the South African Reserve Bank (SARB) Exchange Control Rules and Regulations.
  • Proof of source of funds is required when over the counter deposits are made

Non-Residents and Emigrants only:

Non-Resident accounts may only be funded from the following:

  • Foreign currencies.
  • Deposits from other Non-Resident accounts.
  • Re-deposits of Rand drawn under the provision of debits, e.g. encashment of cheques or ATM withdrawals.
  • Payments in Rand by South African residents eligible for transfer in terms of the various Sections of the South African Reserve Bank ¬†Exchange Control Rules and Regulations. A South African resident intending to pay Non-Residents must approach their bankers to complete and sign the Balance of Payments form. The funds will then be transferred via the SWIFT system and the transaction will be appropriately captured on the Balance of Payments (BOP) system. A transfer of Non-Resident funds between Authorised Dealers is only permitted by means of an authenticated SWIFT message.


  • Blocked funds to be remitted against Exchange Control approval
  • All foreign funds introduced by an emigrant can be remitted abroad at any time provided the transactions are within the South African Reserve Bank (SARB) Exchange Control Rules and Regulations.

Non-resident 32 Day Flexi Notice

Maximum nominal interest rate over 12 months

6.95% max

Minimum opening balance of R1 000

Access your money with 32 days' notice.

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

Guaranteed capital

No risk of losing your original deposit or quoted returns

Third-party payments

Payments to third parties are allowed

Reinvest or redirect

Interest can be reinvested or paid out

It's free

There are no monthly fees

Regular transfers

Set up regular transfers into your account with a Scheduled Transfer


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Getting it made easy

Non-resident 32 Day Flexi Notice

Qualifying criteria

FNB qualifying account

Ways to apply

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Other ways to apply

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Documents needed

  • A certified copy of your passport
  • 3 months' latest bank statements from your overseas bank
  • Latest proof of income (overseas)