Please select

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

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)


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)


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



For my employees

Staffing Solutions Employee benefits

Forex + Trade

Foreign Exchange International Trade 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


Bank Better

KYC / FICA Debit order + recipient switching Electronic Alerts

Switch to FNB

Product Shop

Corporates + Public Sector

Corporate Public Sector

Switch to FNB

Product Shop

Private Banking

Private Banking

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


Additional options

Show me all Help me chosse Find an advisor

Financial planning


Find a branch

PayPal step by step

Everything you need to know about how to download and set up PayPal and accept payments.


What is the FNB Top-up Service with PayPal?

  • The FNB Top-up Service with PayPal allows you to top up funds from your qualifying FNB ZAR account to your linked PayPal account to shop online or make payments with PayPal.
  • The Top-up service is only available to FNB customers.
  • A Top-up takes less than 10 minutes to reflect in your PayPal account.
Ts & Cs apply

What is the FNB Withdraw Service with PayPal?

Whether it's for a job you did, goods you sold, an event you organised or a gift from family or friends from abroad, with PayPal you can easily accept payments from anyone with an email address.

  • The FNB Withdraw Service with PayPal allows you to withdraw funds paid into your PayPal account to your FNB or any linked South African bank account.
  • You will need an FNB Online Banking profile. If you don't bank with FNB you can create a free FNB Online Banking profile and link your PayPal account to your South African bank account.
  • A withdraw from a PayPal account takes 3 to 5 business days to reflect in your linked South African bank account.
Ts & Cs apply


When purchasing from a merchant who accepts PayPal, PayPal debits the payment method linked to the buyer's PayPal account and credits the merchant's PayPal account without exposing the buyer's full financial information.



Pay even faster with OneTouch, stay logged in and check out without entering your password.

To learn more about OneTouch, visit


Refunded Returns

You receive what you ordered, but it's just not right for you. Just send your eligible item back and PayPal can cover your return shipping costs.

To learn more about Refunded Returns, visit


Send money in a few seconds

Enter your recipient's email address, enter an amount and select the currency. PayPal will notify the recipient. You can send money to almost anyone with an email address, they just need to set up a PayPal account, if they don't have one yet.

To learn more about how to send money, visit


Seller Protection is available for your eligible payments

If you received an unauthorised payment or a buyer claims he never received the item, the PayPal Seller Protection can help you get the full amount of an eligible payment, if you meet the requirements.

To learn more about Seller Protection, visit


Buyer Protection is available for your eligible purchases

Whether the item you bought online doesn't arrive or doesn't match the seller's description; PayPal's Buyer Protection may reimburse you for the full amount of the item plus postage.

To learn more about Buyer Protection, visit


Set up your PayPal account in four steps

Getting started

Getting started

Getting started

01: Create and verify your PayPal account

  • Go to
  • Select 'Sign Up'
  • Select PayPal Account
  • Complete the required information and create your account
  • Confirm your email address
  • You will need to verify your PayPal account by selecting 'Get Verified and linking a debit or credit card to your PayPal account'.
  • PayPal will charge a nominal fee to the card, such fee will be refunded later
  • A four-digit code will be embedded in the transaction reference on your bank statement
  • You need to enter the four-digit code on the PayPal website for your account to be verified

02: Register for your free FNB Online Banking Profile

Register for your FREE FNB Online Banking profile (you do not need an FNB bank account) by selecting 'Register' on the home page

03: PayPal account linking

*Log in to your FNB Online Banking or the FNB APP and link your verified PayPal account to access the FNB PayPal Service
APP Steps

  • Select Forex
  • Select PayPal
  • Select Link now
  • During the linking process, you will be able to add a non-FNB bank account for withdrawal purposes

04: Transact

You are now ready to:

  • Top up funds from your FNB account to your PayPal account and pay online with PayPal, or
  • Receive payments into your PayPal account and withdraw funds to your linked South African bank account
  • All Top-up and Withdraw transactions are done from FNB Online Banking or the FNB APP
  • Each top-up and withdraw transaction will require a separate Balance of Payment (BoP) code
  • Supporting documents must be available on request from the South African Reserve Bank
  • All top-up and withdraw transactions are reported to the South African Reserve Bank

Get in touch

For FNB PayPal queries please contact us on 087 572 9725 and select option 1 or email: .

If your issue is related to PayPal, please call 1402-517-4519 OR login to your PayPal account and use the chat option for quick service.

PayPal - pay and get paid globally

The safer, easy way to pay & get paid immediately

PayPal is a trusted brand and partner to over 377 million customers in more than 200 markets around the world.
PayPal is one of the world's leading digital payments platforms.



FNB & PayPal

Since 2010 FNB and PayPal are collaborating to provide a convenient way for South Africans to withdraw their PayPal funds into a South African bank account, supporting their participation in a global market.

  • It is as easy as paying with either a card or a PayPal balance from almost any device with just a few clicks.
  • PayPal never reveals your full financial information.

Joining the service is simple. Open a PayPal account + register for the FNB Online Banking profile and withdraw the money to any South African bank account. Get Paid with PayPal and withdraw with FNB, or you can Top-up your PayPal account using your FNB bank account, and enjoy shopping worldwide.

Getting started

Set up your PayPal Account in four steps


Fees and timelines

What you'll pay & when you'll get it

  • No PayPal account set up or monthly fees
  • PayPal charges between 3.4% and 4.4% + $0.30 fixed fee per transaction*
  • PayPal currency conversion fees may apply at 2.5% above the prevailing exchange rate*
  • FNB will quote a ZAR/USD exchange rate for each top-up or withdraw transaction if applicable
  • With the FNB Tiered Pricing structure you will pay between 0.81% and 1.51% depending on your previous month's transactional value for top-up and withdraw transaction

Note that a withdrawal from your PayPal account takes 3 to 5 business days to reflect in your linked South African bank account

A top up takes less than 10 minutes to reflect in your PayPal account.

Payment from another PayPal user within moments

For more details on PayPal's fees please visit

Getting it made easy


Qualifying criteria

  1. FNB Online Banking
  2. Qualifying South African Bank account
  3. Verified South African PayPal account
  4. Link PayPal to your South African Bank account through FNB Online Banking or the FNB APP

How to get it

Get in touch

Other ways to apply

Find a branch

Visit and select to Register

What you'll need

You need to ensure that you comply with all South African Reserve Bank regulations as this is a cross-border payment.