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Terms and Conditions

Product Specific Account Rules

FNB General T's and C's

FNB Savings and Cash Investments General T's and C's

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Seniors: Nominal Rates

Published at 2023-09-11

Period R10 000 -
R249 999.99 		R250 000 -
R499 999.99 		R500 000 -
R999 999.99 		R1 000 000+
1 month 8.05% 8.10% 8.15% 8.20%
3 month 8.20% 8.25% 8.30% 8.35%
6 month 8.50% 8.55% 8.60% 8.70%
9 month 8.80% 8.85% 8.90% 9.00%
12 month 9.15% 9.20% 9.25% 9.30%
24 month 9.20% 9.25% 9.30% 9.40%
36 month 9.25% 9.30% 9.35% 9.45%
48 month 9.30% 9.35% 9.40% 9.50%
60 month 9.60% 9.65% 9.70% 9.80%

Fixed Deposit: Nominal Rates

Published at 2023-09-11

Period R10 000 -
R249 999.99 		R250 000 -
R499 999.99 		R500 000 -
R999 999.99 		R1 000 000+
1 month 7.60% 7.65% 7.70% 7.80%
3 month 7.85% 7.90% 7.95% 8.00%
6 month 8.00% 8.05% 8.10% 8.15%
9 month 8.15% 8.20% 8.25% 8.30%
12 month 8.55% 8.60% 8.65% 8.70%
24 month 8.65% 8.70% 8.75% 8.80%
36 month 8.75% 8.80% 8.85% 8.90%
48 month 8.85% 8.90% 8.95% 9.00%
60 month 9.15% 9.20% 9.25% 9.30%

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Business Fixed Deposit

Nominal rate per annum (NACM): This is the annualised interest rate that you will earn daily and is capitalised monthly. This rate does not take into account the compounding interest effect.

Annual Effective Interest rate: Annualised interest rate that takes into account the compounding interest effect for one year assuming interest is not withdrawn.


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Seniors: Nominal Rates

Published at 2023-09-11

Period R10 000 -
R249 999.99 		R250 000 -
R499 999.99 		R500 000 -
R999 999.99 		R1 000 000+
1 month 8.05% 8.10% 8.15% 8.20%
3 month 8.20% 8.25% 8.30% 8.35%
6 month 8.50% 8.55% 8.60% 8.70%
9 month 8.80% 8.85% 8.90% 9.00%
12 month 9.15% 9.20% 9.25% 9.30%
24 month 9.20% 9.25% 9.30% 9.40%
36 month 9.25% 9.30% 9.35% 9.45%
48 month 9.30% 9.35% 9.40% 9.50%
60 month 9.60% 9.65% 9.70% 9.80%

Fixed Deposit: Nominal Rates

Published at 2023-09-11

Period R10 000 -
R249 999.99 		R250 000 -
R499 999.99 		R500 000 -
R999 999.99 		R1 000 000+
1 month 7.60% 7.65% 7.70% 7.80%
3 month 7.85% 7.90% 7.95% 8.00%
6 month 8.00% 8.05% 8.10% 8.15%
9 month 8.15% 8.20% 8.25% 8.30%
12 month 8.55% 8.60% 8.65% 8.70%
24 month 8.65% 8.70% 8.75% 8.80%
36 month 8.75% 8.80% 8.85% 8.90%
48 month 8.85% 8.90% 8.95% 9.00%
60 month 9.15% 9.20% 9.25% 9.30%

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Qualifying criteria

Must be a South African citizen

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Documents needed

  • Proof of residence (not older than 3 months)
  • South African ID book or ID card

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Because you save for the things that count...

  • For emergencies and unforeseen expenses

    We have a range of savings and investment accounts where you can access your money quickly

  • For specific goals or special events

    We have a range of savings and investment accounts where you can access your money after placing notice

  • For the longer term.

    We have a range of savings and investment accounts where you can access your money after a fixed period

  • Teach your child to save.

    What guidance do you need to choose the right savings and investments solution for you?

  • Tax-free savings.

    Ideal for enjoying the benefits of saving tax free

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Fixed Deposit

Nominal rate per annum (NACM): This is the annualised interest rate that you will earn daily and is capitalised monthly. This rate does not take into account the compounding interest effect.

Annual Effective Interest rate: Annualised interest rate that takes into account the compounding interest effect for one year assuming interest is not withdrawn.


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Fixed Deposit for clients aged 55 years and older

Nominal Rates for clients aged 55 and above.


Preferential Nominal Rates for Senior clients on the retirees value proposition.*


Nominal rate per annum (NACM): This is the annualised interest rate that you will earn daily and is capitalised monthly. This rate does not take into account the compounding interest effect.

Annual Effective Interest rate: Annualised interest rate that takes into account the compounding interest effect for one year assuming interest is not withdrawn.


Available exclusively to clients aged 60 years and above who qualify and have opted in to the Retirees Solution. Preferential rates will reflect within two working days.
Please call 087 320 4321 or contact your Private Clients or Private Wealth Advisor. Alternatively, you may visit any FNB branch.

Fixed Deposit

Maximum nominal interest rate over 60 months

Minimum opening deposit of R10 000.

An investment account with a fixed term, typically giving you a higher interest rate than investments available overnight or with notice.

What's hot

It's free

there are no monthly fees



You choose

Choose your investment term between 7 days and 60 months, or choose your own maturity date



Access interest

You can access your interest during your investment term



Do it online

Open and manage your account online



What you get

Guaranteed capital

No Risk. Your original deposit and quoted returns are 100% guaranteed



Fixed rate

Earn a fixed interest rate



Increase investment

Additional money may be added at maturity



Preference

Get preferential rates on investments if you are 55 years and older



Reinvest or redirect

Reinvest or transfer your interest to another account



Rewards

Add to your eBucks reward level points.
Visit www.eBucks.com for details.



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Physical address

4 Merchant Place
Corner Fredman Drive and Rivonia Road
Sandton
2196

Postal address

PO Box 650149
Benmore
2010