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For My Business

< R10m annual turnover

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> R10m annual turnover

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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)

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Business Accounts Credit Cards Cash Solutions Merchant Services eWallet Pro Staffing Solutions ATM Solutions Ways to bank Fleet Services Guarantees

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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

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Global Commercial Banking

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Overview

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Demos KYC / FICA Debit order + recipient switching Electronic Alerts

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Private Banking

Find a branch


Hassle-free salary + debit order switching


Switch debit orders with a dedicated team to help you. Download the switching form


Debit order Disputes

If you have a debit order that you know you did not sign up for, you can dispute it in a few easy steps. You have the power to reverse and/or stop unauthorised debit orders for amounts of R200 or less anytime, anywhere via the FNB Banking App, Cellphone Banking or Online Banking. You will receive immediate reversal on an unauthorised debit order if you dispute it within 40 days of the transaction.


If you have an unauthorised debit order for an amount greater than R200 and would like to dispute it, you can call 087 575 9404 or visit your nearest branch for assistance.


Terms, conditions + rules apply


Salary Switching
It's easy to get your salary paid into your Premier Current Account. Having a minimum monthly deposit of R13 500 into your Premier Current Account also gets you straight onto reward level 1 with eBucks Rewards.


All you need to do to have your salary paid into your account is this:

  1. Download the switching form
  2. Complete the Switch my Salary section of the switching form.

From there, we'll contact your employer and instruct them to switch your salary to your FNB account.


For more, contact 0860 102 970 or email debitorders@fnb.co.za


Terms, conditions and 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.

Cellphone Banking


Bank safely and securely anywhere, any time with Cellphone Banking.

Access your money by banking in the palm of your hands using your cellphone. Even without your bank card, you can now do your banking via Cellphone Banking.

Using Cellphone Banking, you pay no data fees.


With Cellphone Banking you can do your day-to-day banking:

  • View balances and transactions
  • Stop/reverse debit orders on mobile and e-channels
  • Send money
  • Make payments
  • Transfer funds between accounts
  • Make cardless cash withdrawals
  • Pay traffic fines

You can also Buy:

  • Prepaid airtime
  • Data bundles
  • SMS bundles
  • Prepaid electricity
  • Lotto

Dial *130*321# to register and start banking on your phone today!

For assistance, call 087 575 9405 .

Terms, conditions + rules apply.

Bank Your Change™


Grow your balance in your linked Savings Account.

Automatically save your 'left over' cents when you swipe your FNB Cheque or Debit Card.

Round the purchase amount up to the nearest rand, and have this transferred to your linked Savings Account, free of charge.

You can save more by choosing a 'top up' amount of R2, R5, R10, R20 or R50. This amount will be added to the cents that are saved per purchase and deposited in your linked Savings Account. To start saving now call 0860 327 827.

Terms, conditions and rules apply.

FNB Banking 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.

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.

Find a branch


Gold's best features


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.

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.

Cellphone Banking


Bank safely and securely anywhere, any time with Cellphone Banking.

Access your money by banking in the palm of your hands using your cellphone. Even without your bank card, you can now do your banking via Cellphone Banking.

Using Cellphone Banking, you pay no data fees.


With Cellphone Banking you can do your day-to-day banking:

  • View balances and transactions
  • Stop/reverse debit orders on mobile and e-channels
  • Send money
  • Make payments
  • Transfer funds between accounts
  • Make cardless cash withdrawals
  • Pay traffic fines

You can also Buy:

  • Prepaid airtime
  • Data bundles
  • SMS bundles
  • Prepaid electricity
  • Lotto

Dial *130*321# to register and start banking on your phone today!

For assistance, call 087 575 9405 .

Terms, conditions + rules apply.

Gold gets discount with ConeXis X1


As a Gold customer, you can get up to 100% off your monthly fee for ConeXis X1.

Monthly discount fees are structured differently for Gold, Premier, Private Clients and Private Wealth accounts. Customers will be billed R119. Thereafter, the discount corresponding to the level they are on will be deposited into their bank account. Rebates will be paid within 48 hours.

Free Bank Your Change®


That's where we round your card purchase up to the nearest rand and transfer the difference into your Savings Account. This means that you save every time you swipe

How does Bank Your Change® work?

How do I access my savings?

  • Get immediate access to your savings at no fee
  • Simply transfer funds to your transactional account via Cellphone Banking, Online Banking, The FNB Banking App or in-branch.

1. Activate Bank Your Change® on Cellphone Banking:

Login to you Cellphone Banking account (Dial *120*321#)

Step 1: Select option 5 (Save and Invest).

Step 2: Select option 6 (Savings Account)

Step 3: Savings Account already exists. OR Select the option of the Savings Account to maintain.

Step 4: Brief explanation of Bank Your Change®. Select option 1 (Continue)

Step 5: Select Bank Your Change top-up amount (R0, R2, R5, R10, R20 or R50). Select relevant option.

Step 6: Confirm details and T&Cs. Select option 1 (Confirm)

Step 7: Confirmation screen for Bank Your Change


2. Activate Bank Your Change® on App:

Add or maintain Bank Your Change® to an existing Savings Account on FNB App

Step 1: Select ''Savings Account'' on FNB App

Step 2: Click the ''Bank Your Change®'' icon on the Savings Account settings to Add or maintain Bank Your Change®

Step 3: Select the top-up amount to be added to your left over cents every time you swipe, the options are R0 (bank left over cents) or R2, R5, R10, R20 and R50, then click ''Update''

Step 4: Click ''View Terms and Conditions''

Step 5: Tick ''I accept''

Step 6: Click ''Confirm'' to continue

Step 7: Click ''Finish'' on success screen - Updated the top-up amount


3. Activate Bank Your Change® on Online Banking:

Step 1: Click ''Manage'' Savings Account on account settings

Step 2: If you are requesting Bank Your Change®, Click ''Add''

Step 3: Choose a top-up amount to be added to your left over cents every time you swipe, the options are R0 (bank left over cents) orR2, R5, R10, R20 and R50, then click ''Update''

Step 4: Select the ''Terms and Conditions'' to open and tick

Step 5: Click ''Submit'' to continue


Click ''Finish'' on success screen. You can top-up your Bank Your Change® by choosing a top-up amount of R2, R5, R10, R20 or R50. Each swipe adds that amount from your transactional account to the cents you've saved on your purchases, into your Savings Account. To add a top-up amount follow the same process used to activate Bank Your Change® and select the option Change top up amount and follow the screen prompts.

How to move up a reward level


Level Up challenge for Gold

5

Meet a fifth reward requirement from a new product group

4

Meet a fourth reward requirement from a new product group

3

Meet a third reward requirement from a new product group

2

Meet a second reward requirement from a new product group

1

Meet a first reward requirement from ANY product group

Reward requirements

My Cheque Credit card Digital Banking Borrow Home and car Start to save Family and Insurance
The total value of your card purchases and Cash@Till® withdrawals is more than all your cash withdrawals at ATMs and branches during the month*. Spend at least R2 500 on your credit card each month. Make at least two financial transactions on the app. Have used your overdraft to the amount of at least R1 000 each month. Have a Wesbank or a FNB Vehicle Finance account with your car on nav>>Car. Setup a debit order from your FNB Gold Cheque Account. Have a Linked Savings Pocket or Savings Account with a balance that grows by at least R250 each month. Have an FNB Life Policy with min cover of R400 000. Pay the premiums for your policy from your Gold Cheque account each month.

OR

OR

OR

OR

OR

OR

OR

Have at least three debit orders off your cheque account.

*ALL card purchases and cash withdrawals (Cash@Till® and ATM/FNB branch withdrawals) made using your FNB Gold Credit Card and FNB Gold Cheque Card will be considered for this requirement.
Spend at least R750 online using your credit card each month. Have Connect spend of R200 each month. Have a personal loan with original loan amount R10 000 where the debit order is set up from your FNB Gold Cheque Account. Have a Home loan or a Smart bond that has a flexi facility with an outstanding balance of R75 000, where the debit order is set up from your FNB Gold Cheque Account, or there is a salary stop order set up. Maintain a minimum monthly balance in your FNB Linked Savings Pocket or Savings Account, FNB Gold Cheque Account or FNB Fixed Deposit Account.

If you have an FNB Linked Savings Pocket, Savings Account or FNB Gold Cheque Account, you'll need to maintain a monthly balance of at least R5 000. If you have an FNB Fixed Deposit Account, you'll need to maintain a monthly balance of at least R10 000.
FNB Funeral Cover product of min R50 000. Have min two lives assured. Pay the premiums for your policy from your Gold Cheque account each month.

Look at how much you could earn on eBucks reward level 5 every month:


15% on fuel and Uber

If you spent R1 200 on fuel in a month, at any fuel station and Uber, you'd earn eB1 800

15% on groceries

If you spent R2 000 at Checkers & Shoprite in a month, you'd earn eB3 000

1,5% on shopping

If you swiped for R1 500 on your Credit Card in a month, you'd earn eB225

15% on connect

If you spent R200 on Connect airtime + data in a month, you'd earn eB300

Rand value

R180

back

Rand value

R300

back

Rand value

R22

back

Rand value

R30

back

That's a total of R532
back in eBucks and R150 on your FNB Smartphone every month

*Transacting on the FNB Banking App includes payments, transfers and purchases but excludes debit orders, deposits and viewing of accounts.

Qualifying spend excludes any device premiums linked to your contract(s).


New ways to get rewarded

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

When you spend at our partners

  • Up to R150 back in eBucks at Checkers, Shoprite or Usave
  • Up to R150 back in eBucks at Clicks
  • Up to R150 back in eBucks at Engen
  • Up to R150 back in eBucks at Intercape

When you learn from home

  • Learn from home & save by using eBucks to buy eTextbook voucher with Snapplify

When you stay connected

  • Up to 1GB data, 30 voice minutes & 30 SMSs every month on your FNB Connect SIM

When you travel

  • Up to 2 bonus SLOW Lounge visits when you book flights with eBucks Travel using your FNB Aspire Fusion Card
  • Get a free Wimpy breakfast or burger at participating Engen 1Stops every quarter.

Subject to eBucks earn rules

Islamic Aspire Current Account | Earn from R120 000 to R449 999 per annum


Real value with Islamic Aspire

Set your sights on more with Islamic Aspire.

We're talking unlimited day-to-day banking, borrowing money easily, rewards for banking better, knowing what you pay for every month and saving towards your dream. Your spouse can get the all-inclusive Islamic Aspire Current Account at a single, discounted fee of R49 pm.

Here's what you get


Unbelievable value for only R99 per month

Unlimited banking

Get digital banking at no extra cost, two eWallet sends, inContact, card swipes, electronic transactions and prepaid airtime purchases - safely and conveniently.



Withdrawals and deposits

Cash withdrawals of up to R3000 pm at FNB ATMs and cash deposits of up to R3000 pm at FNB ATMs and selected retailers.



More savings

Save money easily with a Savings Account and boost your savings with regular payments and Bank Your Change®.



Rewards

Enjoy membership to eBucks Rewards and earn eBucks that never expire which you can use towards fuel, shopping and travel.



 

More value with


data rewards on your FNB Connect SIM

Get 500MB data, 30 voice minutes and 30 SMSs on your FNB Connect SIM plus get rewarded with 500MB extra data when you spend R100 or more on your FNB Connect SIM during the month.

*Free minutes apply to local calls only.

Read more

 

Islamic Savings Account

Grow your savings easily

Your Islamic Aspire Current Account comes with a Islamic Savings Account that makes saving easy.

Get an Islamic Savings Account and keep your transactions separate from your Islamic Aspire Current Account. The Islamic Savings Account gives you immediate access to your money, helps you track your saving, makes it possible for you to schedule transfers and allows you to Bank Your Change® every time you swipe your card.

The best part? You earn a monthly profit share.

New ways to get rewarded


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

When you spend at our partners

  • Up to R150 back in eBucks at Checkers, Shoprite or Usave
  • Up to R150 back in eBucks at Clicks
  • Up to R150 back in eBucks at Engen
  • Up to R150 back in eBucks at Intercape

When you learn from home

  • Learn from home & save by using eBucks to buy eTextbook voucher with Snapplify
 

Applying made easy


Islamic Aspire Current Account

Qualifying criteria

  1. Earn R120 000 - R449 999 per year
  2. Age 18 years and older

Other ways to apply

Apply now!

Other ways to apply

Complete the call me back form

Contact us

Find a branch

Documents needed

  • South African ID book/card
  • Recent payslip
  • Proof of residence
  • Spousal consent (if married in community of property)