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Staffing Solutions Employee benefits

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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 Instant Accounting Solutions Instant Payroll Instant Cashflow Instant Invoicing SLOW 24/7 Business Desk FNB Business Fundaba nav» Marketplace Prepaid products Accounting integrations

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Global Commercial Banking

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Corporate Public Sector

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All savings + investment accounts


Cash deposits

Notice deposits Immediate access Access to a portion Fixed deposits

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Shares

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Personal goals Child's education Emergencies Tax-free

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Financial planning

Overview

What you get


The Account for 0 -17 years

It's the smart solution to enable you to gain confidence with money and learn financial responsibility now that there are more choices than ever before!

The FNBy Transactional Account is a fully transactional account that is opened and linked to a parent account. There are no monthly account fees for the account and it can be used in the same way as any other FNB account (Banking App, FNB ATM's, Branches)

With no minimum balance and a huge range of free functionality, banking has never been easier or more worth while:

  • Unlimited electronic payments and transfers
  • Unlimited card swipes
  • Receive alerts through text messages and emails when a transaction is made via inContact

What you get


The Account for 18 or older

The best way to kick start your financial responsibility is to open your own personalised transactional account.

With a small monthly account fee of R25 and a huge range of free functionality, banking has never been easier or more worthwhile:

With no minimum balance and a huge range of free functionality, banking has never been easier or more worth while:

  • Free FNB ATM withdrawals and Free FNB ATM deposits*
  • Unlimited electronic payments and transfers
  • Unlimited card swipes
  • Receive alerts through text messages and emails when a transaction is made via inContact

Need a student loan for your studies? Click here to find out more

Buying a car? Click here to find out more

Buying a home? Click here to find out more

* The value will be disclosed in the pricing guide

Card Delivery and Activation


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

Activating your card

Couriered cards will automatically be activated within 48 hours on successful delivery to you.

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

  • Log onto 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 transaction. Simply wave your card in front of a point of sale device to pay.

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

Refer to these FAQs for more information

Online Shopping


Shop safely with Online Secure

Use your yCard to shop online at any eCommerce merchant.

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 the FNB App before shopping abroad

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.
Online Secure is automatically activated on your Debit Card.

For more information, please read the Online Secure FAQs

Lost Card Protection


Protection in the event of a lost or stolen card

Lost card Protection protects you against unauthorised and fraudulent use of the card (except for PIN-based transactions) from the time of the loss or theft of the card until you have notified FNB of the loss or theft.

Report lost/stolen cards to the following number: 0800 110 132

Card Safety and Security


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). Set your individual card limits on the App for both local and international spending .

Keeping your PIN safe

Don't let your FNB card out of your sight during a transactions 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 & Limit"
    • Select "Change PIN" and follow prompts
  • Visit you 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 purchase if I walk past a payment terminal that can read Contactless Cards?
No. The Contactless card is designed to ensure that the card holder 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 the FNB App ATM or Branch to cancel the card. In the case of fraud, report the card to the bank within 24 hours

Refer to these FAQs for more information

Unlimited Swipes


Swipe as much as you want at no extra cost. Use your debit card for all your online and everyday purchases and save with every swipe!

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

Terms, conditions and Rules apply.

Get rewarded


I'm younger than 18

With FNBy, you get access to a variety of benefits tailored to suit your/your child's needs.

Vouchers and coupons
FNBy Transact Account holders get access to monthly product discounts, with coupons on the FNB Banking App, as well as exclusive discounts and promotional offers from our retail partners.

How to find the vouchers and coupons available to you: Visit the "My Coupons" and "My Vouchers" sections on the FNB Banking App to access the available deals.

Don't have the FNB Banking App? Download it here .

Talk. Engage. Stay connected.
Buy FNB Connect bundles via your FNB Banking App using your FNBy Transact Account and you will receive up to 10% back of your total FNB Connect spend.

Terms and conditions apply

Get rewarded


I'm 18 or older

With FNBy, you get access to a variety of benefits tailored to suit your needs.

Vouchers and coupons
FNBy Transact Account holders get access to monthly product discounts, with coupons on the FNB Banking App, as well as exclusive discounts and promotional offers from our retail partners.

How to find the vouchers and coupons available to you: Visit the "My Coupons" and "My Vouchers" sections on the FNB Banking App to access the available deals.

Talk. Engage. Stay connected.
Buy FNB Connect bundles via your FNB Banking App using your FNBy Transact Account and you will receive up to 10% back of your total FNB Connect spend.

Terms, conditions and rules apply

eBucks Travel
Unforgettable travel adventures with Topdeck & eBucks Travel

From unbeatable bargain shopping in Bangkok to electrifying rides along the iconic Route 66, Topdeck specialises in epic travel experiences for 18 to 30 somethings. And as an FNBy Transact Account holder, you qualify for 10% off* ALL Topdeck trips booked through eBucks Travel.

Choose from memory-making adventures in Europe, Australia and New Zealand, the Middle East, North America, Africa or Asia, and let Topdeck and eBucks Travel take care of your travel and accommodation needs, bringing smiles to your miles.

To find out more or to book, visit eBucks.com/Travel or contact 087 587 2835 / travel@eBucks.com .

*Ts and Cs apply.

Don't have the FNB Banking App? Download it here .

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:

  • 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 limits
  • Manage daily transaction 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 Vouchers

You also get additional features that include:

  • Managing your eBucks account and finding partners
  • Buying vouchers
  • Redeeming coupons
  • Access to conveniently located FNB branches and 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 and 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, anytime 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.

You'll pay no data fees when you use Cellphone Banking.


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

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

For assistance, call 087 575 9405 .

Terms,conditions and 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.

Find a branch


Your yCard


Additional benefits

You get access to a variety of tailored benefits and features linked to your yCard:

Card delivery and activation
Contactless Card feature
Online Shopping
Use your card abroad

yCard security


Additional benefits

You gain access to a variety of tailored benefits and features linked to your yCard:

Online Secure
Lost Card Protection
Card safety (PIN & Limits)
Contactless card security

yCard benefits


Additional benefits

You gain access to a variety of tailored benefits and features linked to your yCard:

Unlimited swipes

What you get


Prepare for a financially wise future

FNBy offers the convenience of having all of your banking in one place. A single transactional account to take care of all of your banking needs, access to benefits and so much more. The FNBy Islamic Transactional Account is a fully transactional account that is opened and linked to a parent account.

There are no monthly account fees for the account and it can be used in the same way as any other FNB Islamic accounts (FNB ATMs, branches and the banking app).

With no minimum balance and a huge range of free functionality, banking has never been easier or more worth while:

  • Free Online and Cellphone Banking subscriptions
  • Unlimited internal (FNB to FNB) debit orders, electronic payments and transfers
  • Free cash withdrawals from selected tills
  • Withdraw cash from selected tills
  • Receive alerts through text messages and emails when a transaction is made via inContact
  • Be eligible for monthly profit share

Qualifying criteria


  1. Must be a South African citizen
  2. Clients must be younger than 18 years
  3. Parents are required to be registered for Online Banking

Documents needed


If you're under 18 your parent/guardian needs to accompany you and have:

  • A copy of a parent's valid South African Identity Document
  • The child's unabridged or abridged birth certificate or a valid South African Identity Document
  • Proof of residence (not older than 3 months) and a signed declaration of proof of residence per child

FNBy Islamic Transact Account



For youth younger than 18 years

An account for smart youth

What you get


Prepare for a financially wise future

FNBy offers the convenience of having all of your banking in one place. A single transactional account to take care of all of your banking needs, access to benefits and so much more.

Simple account management


It's easy, secure + subscription is FREE

Manage your accounts on the go, wherever, whenever you want with any of our our digital banking platforms!

Applying made easy