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For My Business

> R10m annual turnover

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For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

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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

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

Insure

Insurance

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 Business Hub eBucks Rewards for Business DocTrail™ CIPC 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

Demos KYC / FICA Debit order + recipient switching Electronic Alerts

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Corporates + Public Sector

Corporate Public Sector

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Private Banking

Private Banking

Team of Premier Bankers


Make the most of your money.

Premier offers you a specialised team of Premier Bankers to help you control your finances.

We offer premier guidance through the world of banking to simplify your banking experience.

To find out more about Premier, call us on 0875 777 000, between 8 am and 6 pm Mondays to Fridays,
and between 8 am to 1 pm on Saturdays.
We are closed on Sundays and public holidays.

Terms, conditions and rules apply.

Team of Premier Bankers


Make the most of your money.

Premier offers you a specialised team of Premier Bankers to help you control your finances.

We offer premier guidance through the world of banking to simplify your banking experience.

To find out more about Premier, call us on 0875 777 000, between 8 am and 6 pm Mondays to Fridays,
and between 8 am to 1 pm on Saturdays.
We are closed on Sundays and public holidays.

Terms, conditions and rules apply.

Private Banker


As an experienced and qualified specialist, your Private Banker works with you from the outset to ensure your wealth needs are always met in the most efficient way.

Your Private Banker gains and maintains an understanding of your balance sheet and wealth needs and objectives. Wherever necessary, your Private Banker draws on the skills of our experienced team of specialists, ensuring ongoing, superior private banking and advice-led wealth management.

SLOW Lounge


Even more family benefits
Up to 8 complimentary SLOW Lounge visits per annum - Domestic or International - for you and your family when you book flights through eBucks Travel

SLOW Lounge boasts many features and services, such as freshly brewed coffee, tasty snacks and an abundance of power sockets, high speed WiFi, private studies, spa treatments, and a selection of books and newspapers to enjoy while you wait for your flight.

SLOW Lounges are located at the domestic terminals of the O.R. Tambo, Cape Town and King Shaka International Airports as well as at the international terminal of the O.R. Tambo International Airport.

Terms, conditions & rules 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.

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.

Use at ATMs


Get access to cash whenever you need it*.

All FNB debit and credit 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 deposits.

  • Funds from cash deposits are available immediately

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.

FNB App


Discover Fast, reliable and secure banking, whenever, wherever on the FNB App. Enjoy full control of your banking,24/7,without the need to go to a branch Plus,the FNB App is free to use on all major networks. No data costs are charged no matter how many transactions or how long you use the app.


Do your day-to-day banking:

  • Manage your credit limit with the option to increase or decrease it
  • View and change your PIN
  • Temporarily block and unblock your card
  • View and download statements
  • Cancel and order a new card
  • View balance and transaction history
  • Manage daily transactions limits
  • Report fraud immediately
  • Get access to your team of bankers with Secure chat
  • Track your eBucks rewards


You can also buy:

  • Prepaid Airtime
  • Data Bundles
  • SMS Bundles
  • Prepaid electricity
  • iTunes

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.

Find a branch


Card delivery and activation


Get your card delivered by courier at your convenience instead of collecting it at a branch.

Couriered cards will automatically be activated within 48 hours of delivery.

Alternatively you can activate your card using one of the following methods:

  • Log onto Online Banking or the FNB App
  • Call the number on the back of your card
  • Visit your nearest branch

Contactless card feature


A contactless card has an extra function that provides you with another payment method for low value transactions. Simply wave your card in front of a point of sale device to pay. Payments can be made with or without a PIN.

A payment is successful when you see the green light and hear the beep on the Point of Sale device. Look for the wave sign at the pay point or till.

Refer to FAQs for more information

Online shopping


Shop safely with Online Secure

Use your FNB card to shop online at any eCommerce merchant.

For your security your card is protected by an Online Secure feature. Online Secure is designed to provide you with an extra level of protection against unauthorised use when shopping online by using a One Time PIN (OTP).

For FAQs log on to Online Banking

Use your card abroad


Get instant access to your funds when swiping your card to buy gifts, paying for services or enjoying leisure activities and more.

When travelling abroad use your FNB card at any terminal displaying the Visa logo.

Ensure you amend your international card limits on Online Banking or the FNB App before shopping abroad.

Optional Linked Petrol card


Designed to be the transactional tool for vehicle fuel and vehicle maintenance - as well as toll purchases. This card is perfectly positioned to assist you in your hour of need.

What the Petrol Card offers me: Roadside Assistance through AA

What this allows me to do:

Keep a record of vehicle and travel expenses

Use your Petrol Card at most service stations, toll gates and to purchase motor spares etc

Please note: A monthly fee applies. Refer to the pricing guide for more information. Purchases on the Petrol Card are not eligible for eBucks rewards.

Global Travel Insurance


Global Travel Insurance, at no charge, will keep you covered no matter where you go in the world, when you purchase your return ticket(s) using your FNB Debit, FNB Fusion, Credit Card or eBucks. You will get up to R 5 million cover for the first 90 days of your trip. What's more is we will cover up to 8 travel tickets for your travel companions too.


Why do I need this?

Save on your insurance and be conveniently covered for the first 90 days of your journey.

How do I get Global Travel Insurance at no charge?

To qualify for Global Travel Insurance at no charge, you require a qualifying FNB Debit, FNB Fusion or Credit Card with which to pay for your travel ticket.

Process

  • Purchase your return travel ticket(s) using your qualifying FNB card
  • Obtain your policy by:
    • Contacting the Global Travel Insurance Help Desk on: 0861 490 100
    • For emergency assistance while on travel contact Medical Services Organisation (MSO) on: +27 11 521 4575 ('Reverse-charge' your call using this number from anywhere in the world)

This offer is available to FNB Debit, Fusion or Credit Card holders below the age of 75 who are residents of any of these countries: South Africa, Lesotho, Namibia and eSwatini.

With Global Travel Insurance you get:

  • Up to R5 million cover for medical expenses
  • Cover in the event of accidental death, pre-existing medical conditions and total permanent disablement

For more information view the Global Travel Insurance Policy together with the Schedule of Benefits

For assistance contact:
Global Travel Insurance Help Desk: 0861 490 100
Medical Services Organisation (MSO): +27 11 521 4575 ('Reverse-charge' your call using this number when from anywhere in the world)

If you are over 74, FNB provides a specific type of insurance to suite your needs. For more information view the Global Travel Insurance Policy . These documents are also available from the Global Travel Helpdesk

Please ensure you have a copy of this Travel Policy prior to travelling and ensure you fully understand it.

SLOW Lounge


Even more family benefits
Up to 8 complimentary SLOW Lounge visits per annum - Domestic or International - for you and your family when you book flights through eBucks Travel

SLOW Lounge boasts many features and services, such as freshly brewed coffee, tasty snacks and an abundance of power sockets, high speed WiFi, private studies, spa treatments, and a selection of books and newspapers to enjoy while you wait for your flight.

SLOW Lounges are located at the domestic terminals of the O.R. Tambo, Cape Town and King Shaka International Airports as well as at the international terminal of the O.R. Tambo International Airport.

Terms, conditions & rules apply



AA Emergency Roadside Assistance


We're here to help you

Free on your FNB Fusion Private Clients Credit Card and on your FNB Fusion Private Clients Petrol Card.


Benefits included:

AA Patrol & battery Services:
This service is available 24/7 to assist with on-the-spot mobility at side of the road.

  • Flat tyre change
  • *Out of fuel - Provision of fuel to a maximum of 10 litres
  • Jump-start
  • *Mobile battery sales
  • Key lockout service
  • Minor roadside running repairs, includes electrical, coil, immobilizer, battery related breakdowns where possible.

AA Locksmith Services:
This service is available 24/7 in the event that you lock yourself out of your vehicle AA will dispatch an accredited locksmith service provider to the incident scene to open the vehicle.

AA Mechanical and Electrical Breakdown Tow:
In the event of a mechanical or electrical breakdown and the vehicle requires a tow, the AA will arrange for the vehicle to be towed to the nearest accredited/preferred dealer/repairer/yard from the breakdown scene.

AA Accident Management:
In the event of an accident, the AA will arrange for the vehicle to be towed from the accident scene to the destination indicated by the Insurance Company

Courtesy Services:
In the event that your vehicle has broken down more than 100km from home we will pay for 24-hour Car hire OR Overnight accommodation

AA Mayday Emergency Medical Assistance:
Emergency medical evacuation to a suitable medical facility in the event of a medical emergency. The service is available nationally and the service is provided by Netcare 911.

Stand by You:
An armed ADT Security response officer at the incident scene, to secure the scene and wait with the customer until the AA technical service arrives.


How to use AA Emergency Roadside Assistance Service

In an emergency please call 0860 70 60 50 and supply your name, surname, ID number and Card number to the consultant

* The Cardholder is responsible for the cost

Terms and conditions apply

Cash@Till


Draw cash directly from a tillpoint at a store.

Cash@Till® allows you to use your card to withdraw cash at till points of specific retailers such as Shoprite, Checkers, Pick n Pay, Boxer and selected Spar tills.

Simply tell the cashier that you need to draw cash and they will assist.

Terms, conditions and rules apply.

Unlimited swipes


Swipe at no cost and earn rewards. Just for doing everyday things like buying bread & milk. Use your credit card for all your online and everyday purchases and save with every swipe!

With an FNB Card, all swipes are free! That means you save money as there are no transaction fees!

Remember, you also earn eBucks on every swipe!

Exclusive VISA offers


VISA - your perfect companion.

Enjoy more from life, whether you're travelling or at home.

Your VISA card offers an excellent selection of travel, dining, shopping and lifestyle opportunities. While on your travels, should you have a medical emergancy or your card is lost or stolen, you have access to an international support network to assist you.

For more information visit https://visacards.africa/

Online Secure


Protect your card against fraudulent use online. Online Secure uses a One Time PIN (OTP) that is sent to you and comes at no extra cost. To activate Online Secure on your card, you must be an Online Banking user.


Activate your card by logging on to your Online Banking profile and following these prompts:

  1. Log in to FNB Online Banking
  2. Select the My Bank Accounts sub tab
  3. Select the card you would like to activate
  4. Select Activate Now under the Online Secure column
  5. Click I accept and agree to the Disclaimer above
  6. Select Finish on the Activation Results screen

How to use Online Secure when shopping online:

  • Once activated, proceed to the checkout
  • Type in your 16-digit card number when prompted
  • You will then be prompted for a One Time PIN (OTP), which you will receive via SMS
  • Finalise your purchase

Online Secure FAQs

Consumer Disclaimer

Lost Card Protection


Report a lost or stolen card within 24 hours of the incident to a dedicated, toll free, 24 hour hotline and FNB will assist in the event of a non-PIN related fraud incident on your account before the card is cancelled.

Should your card get lost or stolen, call the Lost Card hotline immediately on 087 575 9406

Terms, conditions and rules apply.

Card safety (PIN)


Practicing card safety is a must and fortunately FNB has made it very easy to keep your card safe from fraud, as long as you follow basic guidelines.

Card limits

Start by setting your account limits and, to be safe, set balance alerts which automatically notify you when your balance has reached a specified level. You can choose how you want to receive the information (SMS, email or both).

Keeping your PIN safe

Don't let your FNB card out of your sight during a transaction and keep your PIN a secret.

How to change your PIN

Go to a FNB ATM

  • Use the default PIN
  • Select "More Options"
  • Select "Manage PIN"
  • Select "Change PIN" and follow prompts

Log into Online Banking

  • Select "My bank accounts"
  • Select "Cards"
  • Select "View / create PIN"

Visit your nearest branch

Your newly selected PIN will only work once enabled at an FNB ATM

Contactless card security


Is contactless card secure?

Yes, Contactless card payments are processed like other bank cards.

Could I unknowingly make a purhcase if I walk past a payment terminal that can read Contactless cards?

No. The Contactless card is designed to ensure that the cardholder is always in control. The cashier must first enter the purchase amount; you must then hold your card in very close proximity to the card reader (within 4cm) in order for the transaction to take place. Pay points or tills can only process one payment transaction at a time, ensuring that no duplicate payments can take place.

Is there any chance that payments may be taken twice from my account?

No. Contactless card readers are only able to process one transaction at a time.

What should I do if my contactless card is lost / stolen?

If your contactless card is lost / stolen, go to Online Banking, FNB App, ATM or Branch to cancel the card. In the case of fraud, report the card to the bank within 24 hours.

Your Private Advisor, your Go-to Guy


Specialised service

As an FNB Fusion Private Clients Card holder, you get a dedicated Private Advisor as well as access to a team of financial management specialists who will assist you with everything related to your banking and financial planning needs.

Services are superbly complemented by a choice of rewards and lifestyle offers - so you get the freedom to focus on the essential things in life.


Even more rewards

When you spend at our partner

  • Up to 15% back in eBucks at Checkers & Shoprite
  • Up to 15% back in eBucks at Clicks
  • Up to 15% back in eBucks on the latest Apple products at iStore
  • Up to R8/l back in eBucks every quarter with Engen & WesBank

When you look after the ones you love

  • Up to 40% back in eBucks on your FNB Life Insurance premiums every month

When you learn from home

  • Save up to R399 when you buy eTextbook vouchers with eBucks & Snapplify

When you stay connected

  • Up to 2GB data, 30 voice minutes & 30 SMSs every month on your FNB Connect SIM

When you travel

  • Get up to 40%* off selected flights for you and your family with eBucks Travel
  • Unlock an Avis Car Hire discount of up to 40% off when you book flights on the FNB App
  • Get up to 20 complimentary SLOW Lounge visits per year
  • Unlock up to 18 bonus SLOW Lounge visits when you book flights with eBucks Travel
  • Get a free Wimpy breakfast or burger at participating Engen 1Stops every quarter

When you spend time with the family

  • Up to 40% back in eBucks on your Video Streaming (Netflix) and Music Streaming (Spotify®) subscriptions when your family banks with FNB
  • Enjoy a fresh smoothie, coffee or up to R100 to spend in-store at KAUAI every month
  • Get more 2-for-1 deals with The Entertainer & let FNB cover the cost until the end of 2021

For more information on eBucks Rewards download the FNB App or visit www.ebucks.com
Terms, conditions and rules apply.
*Discount excludes taxes. Terms, conditions and rules apply.

Private Clients Account for Spouses


Existing customers can now invite their spouse or life partner to experience the same level of benefits, rewards and service that they have become accustomed to, regardless of their spouses income.

For a single discounted monthly fee of R250, your spouse/life partner1 will get access to an all-inclusive portfolio of products, which includes:

  • Current Account
  • Credit Card
  • Up to 3 Petro Cards (linked to your Private Clients Credit Card)
  • Up to 3 additional Credit Cards (linked to your FNB Private Clients Credit Card)
  • Savings Account
  • Global Account2 with a complimentary Global Account Card
  • Money Maximiser3

They would also have the opportunity for their monthly fees to be waived/rebated on the following products:

  • Overdraft4
  • FNB Channel Islands Current Account5
  • Securities Local Trader Account6

To apply, complete the call me back form



Terms, conditions and rules apply.

1 Only one spouse per household will be eligible for the spousal pricing option
2 Fees are applicable to foreign exchange transactions.
3 A minimum opening deposit of R100 000 is required to activate the account and must be maintained to continue earning interest. For transactional pricing on Money Maximiser, please refer to the "Savings and Investments pricing guide" on our website
4 Refer to terms and conditions of your credit agreement. Not applicable on FNB Fusion Private Clients and One Account
5 A minimum balance of at least £2 500 must be maintained in your FNB Channel Islands Current Account
6 A minimum balance of at least R25 000 must be maintained in your Securities Local Trader Account. The monthly account fee will be charged to your account and reversed in the following month.

FNBy Account


FNBy is here to help with step-by-step guides and great benefts. From a fully functional account that can be used for day-to-day banking to a savings account with great interest rates - FNBy is the full banking solution!

It is never too early to start learning about money and how to manage it.

  • Designed specifcally for youth younger than 25.
  • No monthly account fee for under 18s and only R10 per month for over 18s.
  • Free FNB App subscription.

Go to FNBy to fnd out more

A Private Advisor


A Private Advisor, supported by a team of specialists

Your Private Advisor gains and maintains an understanding of your balance sheet and wealth needs and objectives. Wherever necessary, your Private Advisor draws on the skills of our experienced team of specialists, ensuring ongoing, superior private banking and advice-led wealth management.

24/7 Service Suite Access

The Service Suite is available 24 hours a day, 7 days a week, to assist you with your day to day banking needs such as:

  • General banking queries
  • Banking transactions
  • Fraud queries
  • Card renewals/activations or cancellations
  • Official bank letters required by institutions (eg, Visa letters)

A Private Advisor


A Private Advisor, supported by a team of specialists

Your Private Advisor gains and maintains an understanding of your balance sheet and wealth needs and objectives. Wherever necessary, your Private Advisor draws on the skills of our experienced team of specialists, ensuring ongoing, superior private banking and advice-led wealth management.

24/7 Service Suite Access

The Service Suite is available 24 hours a day, 7 days a week, to assist you with your day to day banking needs such as:

  • General banking queries
  • Banking transactions
  • Fraud queries
  • Card renewals/activations or cancellations
  • Official bank letters required by institutions (eg, Visa letters)

A world of rewards


eBucks Rewards is one of South Africa's most unique rewards programmes, focused on delivering real and meaningful value. As a qualifying FNB Private Clients cardholder, you could earn eBucks at the highest reward rate.

eBucks Lifestyle
eBucks Lifestyle offers you a Lifestyle Assistant to help with travel arrangements including flights, car rental, accommodation, gifting services, dining reservations and more. You also enjoy Priority Pass* which gives you access to 700 airport lounges worldwide.

For more in-depth information visit www.eBucks.com

*Kindly note that we will be discontinuing the Priority Pass benefit that gives you access to international airport lounges upon expiry of your existing Priority Pass Card. You can still access international airport lounges via the Global Debit Card. Open a Global Account and order your Global Debit Card here.

SLOW Lounge access
The award winning SLOW Lounges provide a perfect sanctuary from the fast pace of travel and modern life.

AA Emergency Roadside Assistance
With a linked FNB Petro card or linked FNB Fusion Private Wealth Petrol card you get free AA Emergency Roadside Assistance with the promise of exceptional service, trustworthiness and the speediest possible resolution.

Fusion account


Our exclusive offering for Spouse or Partner enables your loved one to enjoy the benefits of our private banking and wealth advice.

They will enjoy the benefits of a single discounted monthly fee for a portfolio of products:

  • Private Clients Cheque Account
  • Savings Account
  • Money Maximiser Account1
  • Global Account2

To further help them get better banking value, they will now also have the opportunity for their monthly fees to be waived/rebated on the following products through our Private Clients offering:

  • Private Clients Credit Card
  • Overdraft3
  • Securities Local Trader Account4
  • Securities Global Trader Account5
  • FNB Channel Islands Current Account6
  1. A minimum opening deposit of R100 000 is required to activate the account and must be maintained to continue earning interest
  2. Fees are applicable to foreign exchange transactions
  3. Refer to terms and conditions of your credit agreement
  4. A minimum balance of at least R25 000 must be maintained in your Local Trader Account. The monthly account fee will be charged to your account and reversed in the following month.
  5. Only applicable to Non-Discretionary Accounts. A minimum balance of at least $10 000 must be maintained in your Global Trader Account. The monthly account fee will be charged to your account and reversed in the following month.
  6. A minimum balance of at least £2 500 must be maintained in your FNB Channel Islands Current Account.

Note: This pricing option is only applicable to individuals, joint accounts do not apply. Click here to download the pricing guide

Disclaimer

  • Only one spouse/life partner per main account holder.
  • The Spousal Current Account must be linked to a main account holder or standard pricing will apply.

Estimated loan repayment


The estimated monthly repayment on a R1 000 credit limit loan at an interest rate of 17.5% per annum would be R83, which includes all service fees and interest

FNB Fusion offer example

Credit limit R 1000.00
Initiation fee: paid upfront in cash/deducted from the credit limit R 0
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)
Charged if R200 or more of the facility limit is used.
Estimated monthly instalment payable (including capital, interest, fees and VAT) R 83 Estimated minimum monthly repayment amount, including, interest, fees, and charges.
Estimated total of all instalments including capital interest, fees and VAT R 2003 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.

All-in-one convenience

FNB Fusion Private Clients

Your gross income must be between R750 000 and R1 799 999 per year.

The FNB Fusion Private Clients Account offers you the best value for money by helping you manage your money with a day to day bank account with a linked credit facility. Maximise your eBucks Rewards earn with ease as you tap, swipe and purchase digitally with your card.

  • FNB Fusion Private Clients
    Account fee - R420 p.m.
  • One account
  • One view of your finances
  • Deposit and access your funds to pay for your debit orders and payment needs
  • Up to 30 days interest free on card purchases
  • Maximise your eBucks rewards earn

Fusion Account benefits


 
  • Up to 30 days interest free on credit card purchases
  • Get a personalised debit interest rate on your credit facility
  • Earn more eBucks rewards
  • Global Travel Insurance
  • AA Emergency Roadside Assistance
  • Debit order protection so you always have funds available for debit orders
  • Access to Online Banking and the FNB App
  • Bank Your Change with a linked Savings Account
  • Debt protection on qualifying accounts
  • Get a day-to-day transactional bank account with a linked credit facility of up to 30 days interest free on credit card purchases
  • Earn R4 per litre back in eBucks at Engen and earn up to R8 if your vehicle is financed by Wesbank
  • Your spouse or partner get 50% off their monthly account fee to have the same account as you- regardless of their income

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

View example

 

More value with


data rewards on your FNB Connect SIM

Get up to 1GB data, 30 voice minutes and 30 SMSs on your FNB Connect SIM plus get rewarded with up to 1GB extra data when you spend R100 or more on your FNB Connect SIM during the month depending on your eBucks level.

*Free minutes apply to local calls only.

Read more

 

Get up to 3x your monthly account fee back in value


As an FNB Private Clients account holder, you can get more value each month with eBucks. Enjoy free membership to the eBucks Rewards programme and simply qualify to start earning rewards.


Even more ways to earn

Earn additional eBucks with Smart Spend when you use your FNB Fusion Private Clients card, FNB Private Clients Credit Card, FNB Private Clients Debit card or FNB Pay during the month.

eBucks awarded for Smart Spend will take 2 - 3 business days to reflect in your eBucks account.

Track your Smart Spend and see how many eBucks you've earned during the month by visiting the FNB App > eBucks > Earn > Smart Spend.

Private Banking for your spouse or partner


At FNB Private Clients, we believe that the most valuable thing we can give our clients is our time. As part of this commitment, we have designed an exclusive offering for spouses, to enable your spouse/partner to enjoy the benefits of our private banking and financial advice too.

Fusion account

For your Spouse or Partner to enjoy the benefits of private banking.

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A Private Advisor

Supported by a team of bankers to address your needs.

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A world of rewards

The ability to earn eBucks at the highest reward level.

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Create & pay with your own
virtual card


The FNB Virtual Card on the FNB App is a faster, safer and more secure way to pay for online
and in-store purchases wherever you are in the world. You can also create an unlimited
number of cards at no additional cost to use as you need them.

It's safe

Your CVV number changes every hour. Create, cancel, delete or block your card at any time.

It's convenient

Virtual cards can also be used for FNB Pay (Tap to Pay, Scan to Pay) and all partner wallet transactions, including Apple Pay,
Samsung Pay, Fitbit Pay and Garmin Pay, without the need for a physical card.

Earn eBucks

Choose more value for you and your family and earn eBucks while you spend online

FNB Purchase Protect

Get instant insurance for items purchased with your virtual card at no cost to you

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Applying made easy


Fusion Private Clients

Qualifying criteria

Annual salary between R750 000 and R1 799 999

With our Fusion Private Clients Account for your Spouse or Partner, they qualify for the same account as you regardless of their income.
Spousal terms and conditions apply

Ways to apply

Apply now!

Other ways to apply

Contact us

Find a branch

Complete the call me back form

Address FNB Bank City, Cnr Simmonds & Pritchard Street, Johannesburg, 2001

Documents needed

  • South African ID book/ID card
  • Recent payslip
  • Proof of residence
  • Three months' bank statements
  • Foreign nationals will be required to present a work or study permit