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FNB Connect


Earn up to 15% back in eBucks on your qualifying FNB Connect contract or when loading FNB Connect prepaid airtime (including Fixed LTE).

Visit www.fnbconnect.co.za or login to FNB Online Banking and select the FNB Connect tab.

Terms and conditions apply.

Short-term credit solutions


Overdraft

Only pay when you use it! Overdraft is a short-term credit facility that can be used to cover unforeseen expenses or to serve as a safety net. You must have an active FNB Cheque Account to apply for an Overdraft Facility:

  • Easy access to a credit facility so that you can handle unexpected events
  • No fees unless you use more than R200 of your limit. If you don't use it, you won't pay a monthly overdraft fee
  • No minimum monthly repayments as long as you remain within the agreed limit and make regular deposits (such as your salary) into your FNB Cheque Account.
  • Personalised interest rate based on your credit profile
  • Optional Debt Protection available in case of your death, permanent disability, retrenchment or temporary disability

Temporary Loan

A Temporary Loan is a short-term, easy to take up loan which is available for use immediately.

  • Immediate access to funds to cater for emergencies and cash-flow constraints
  • No applications forms to complete, and funds are immediately available in your FNB Cheque Account
  • The funds are immediately available in your transactional account
  • No interest will be charged for the Temporary Loan
  • Enjoy convenience: Any deposits made into your FNB Cheque Account from the day after taking up the loan may be allocated towards the payment of the loan
  • You may qualify for additional eBucks

Revolving Loan

Our Revolving Loan offers you a loan, based on your credit profile, for as long as you need it, as well as the ability to access your funds at any time - provided you have paid at least 15% of your original loan amount back.

  • No initiation fees
  • Fixed monthly repayments - making it easier for you to budget
  • You get a competitive and affordable, personalised interest rate
  • Optional Debt Protection available in case of your death, permanent disability, retrenchment or temporary disability

Comprehensive Global Travel Insurance


Free Global Travel Insurance will keep you covered no matter where you go in the world, when you purchase your return ticket(s) using your FNB Cheque, 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 FREE Global Travel Insurance?

To qualify for FREE Global Travel Insurance you require a qualifying FNB Cheque, 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 Cheque, FNB Fusion or Credit Card holders, below the age of 70* and credit card holders, who have not yet turned 71* who are residents of any of the below countries: South Africa, Botswana, Lesotho, Namibia, and Swaziland.

With FREE Global Travel Insurance you get:

  • Up to R5 million cover for medical expenses
  • Personal liability cover of up to R2.5 million
  • Cover in the event of accidental death, pre-existing medical conditions, total permanent disablement, cancellations, travel delays and lost or stolen baggage

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 70, FNB provides a special type of insurance to suit 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.

Savings Account And Bank Your Change


Get a free Savings Account to help you save for emergencies and unforeseen expenses. This is exclusive to individual cheque account holders. You get competitive interest rates, and immediate access to your savings when you need it.

Save while you spend, with Bank Your Change®. Every purchase you make with your Cheque Card will be rounded up and the difference paid to your Savings Account.

Save regularly by setting up a Schedule Transfer from your cheque account.

Debit order and salary switching


Switch debit orders free of charge 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 Gold Cheque Account. Having a minimum monthly deposit of R5 500 into your Gold Cheque 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

Courier card delivery


Replacing your card has become convenient with our Card Delivery service. You will no longer need to go to your nearest branch to collect a replacement card for the one that was lost, stolen or damaged.

Call 087 575 1111 for information on having your card delivered to where you are.

Delivery may take 3 to 5 working days. *Delivery fees apply for Classic, Gold as well as Petro Cardholders.

Extended warranty


Free cover whereby we will double the original manufacturer's warranty for goods purchased on your FNB cheque card.

Terms, conditions and rules apply.

Global Travel Insurance


When you purchase your return travel tickets using your FNB Cheque or Credit Card, Global Travel Insurance will keep you covered no matter where you go in the world.

Which cards qualify for FNB's Global Travel Insurance?

  • FNB Premier Cheque Card
  • FNB Classic, Gold and Premier Credit Cards
  • FNB Private Clients Cheque Account and Credit Card
  • FNB Private Wealth Cheque Account and Credit Card

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?

To qualify for Global Travel Insurance you require a qualifying FNB Cheque or Credit Card with which to pay for your travel ticket

This offer is available to qualifying FNB Cheque and Credit Card holders who have not yet turned 71* who are below the age of 70* who are residents of any of the below countries:

  • South Africa
  • Botswana
  • Lesotho
  • Namibia
  • Swaziland

With Global Travel Insurance you get:

FNB Classic Credit Card:

  • Up to R500 000 cover for medical expenses
  • Cover in the event of accidental death, pre-existing medical conditions and total permanent disablement, cancellations, travel delays and lost, stolen or damaged baggage*
  • For more information view the Global Travel Insurance Policy together with the Classic Schedule of Benefits

Important Information and contact details
Please obtain a copy of the Travel Policy prior to travelling and ensure you fully understand its contents. The Travel Policy is obtainable below and from the Comprehensive Global Travel Insurance Help Desk. If anything is unclear, or you need help, please contact the Global Travel Insurance Help Desk on 0861 490 100 .

If you need assistance (from anywhere in the world) you can "reverse-charge" your call to Europ Assistance on the following number: +27 11 991 8409.

Terms, Conditions and Rules apply.

Use your card abroad


Use your FNB card at any terminal displaying the Visa logo

Travelling has never been this convenient.

Wherever you go in the world, Visa ensures that you can access your cash to buy gifts, access services, enjoy leisure activities and more.

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 pass
  • 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.

Global Account


FNB Global Accounts make offshore investment easy, simple and convenient. It allows you to hold your individual foreign allowance in the currency of your choice - and it is as simple as transferring funds from your FNB Cheque Account into your Global account via Online Banking... just login, transfer and you are done.

With a Global Account you can:

  • Invest in one of the currencies on offer via your FNB Cheque Account
  • Make payments to offshore beneficiaries
  • Do transfers between your Global Accounts
  • Keep funds relating to your authorised offshore assets in foreign currency
  • Convert from a foreign currency into Rand or other Global Account currencies
  • Set up and manage offshore beneficiaries
  • View balances and transaction history

What Global Accounts offer me:

  • No monthly fees
  • Global Accounts offer you a hedge against currency risk
  • Earn interest on your Global account (No minimum balance required)

Interest Rates

Currency Interest Rates (per annum)* Balance
US Dollar 0.40% No minimum balance required
Euro 0.15% No minimum balance required
GBP 0.50% No minimum balance required
Australian Dollar 2.50% No minimum balance required
Indian Rupee 6.00% No minimum balance required
Chinese Renminbi 0.00% No minimum balance required

*Rates subjected to change without prior notification.

Making offshore payments from your Global account is now as simple as 1,2...

  1. Set up your beneficiary using the 'Forex' tab on your FNB Online Banking Profile
  2. Capture all payments details and make the payment from your Global Account

Open your Global Account within 3 minutes

  • Log on to your FNB Online Banking profile
  • Click on the 'Forex' tab
  • Select 'Global Account' in the Forex 'menu'
  • Choose your currency, and confirm your details

To open a Global Account you must be:

  • A South African Resident
  • A tax payer
  • 18 years or older
  • The holder of a qualifying FNB Cheque Account which is in good standing

Global Accounts: Frequently Asked Questions

View our FAQs

What will it cost?

Prevailing quoted Exchange Rate .

For more information on Forex rates and prices:

Legal

Global Accounts Terms and Conditions .

inContact


A free electronic messaging system sending transaction notifications to your smartphone.

inContact offers you the ability to:

  1. Identify any unauthorised transactions on your accounts and report fraud immediately.
  2. Receive messages for transactions on accounts that belong to you only.
  3. Set your desired amount from as little as 1 cent and get notifications on the FNB App of money going in and out of your account.
  4. Manage the funds in your accounts.
  5. Receive messages with details of your multiple debits that are processed overnight, e.g. debit orders, stop orders and scheduled payments.
  6. Customise the notifications received. You can:
    • Choose when you want to receive your messages - during the day (7am - 8pm) or 24 hours a day
    • Choose to be notified of any transactions that exceed an amount specified by you
    • Choose how to receive notifications - via SMS, email or both
    • Choose which accounts you want to link to inContact

inContact will not send messages for transactions on accounts you access via a link or mandate. You can register for this service at any FNB branch.


Decline inContact messages are an innovative and convenient method of advising customers of why their transactions have been declined. These messages are identical to normal inContact notifications and this service is also free.


Terms , conditions and rules apply.

Decline inContact


Helping you understand your declined transactions

Decline inContact is an innovative, free service that lets you know the reason why a card transaction had been declined.

Decline inContact suggests a remedy for each decline, putting the power back in your hands.

This service is absolutely free and no registration is necessary.

Should you ever require additional information on a declined transaction, please call the number on the back of your credit card.

Terms, conditions and rules apply.

Lost card protection


Protection in the event of a lost or stolen card.

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.

Lost Card Protection may not apply if it is determined that you were careless in protecting your card or PIN.

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

Terms, conditions and rules apply.

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

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 pass
  • 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.

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.

Branches + ATMs


Cardless cash


Locating a misplaced wallet takes time.
Your banking shouldn't.

Use the FNB Banking App to withdraw cash when you need it most.

View demo

Cardless cash


Premier

Premier Select Cheque Account

Your income per year must be between R240 000 and R749 999

Experience dedicated banking service and get access to a world of rewards and benefits.

  • Keep R10 000 or more in either your Premier Select Cheque Account, in any of FNB's Savings and Investment Accounts and have your monthly fee rebated.
  • View pricing guide

Value for money


Enjoy great savings with a Premier Select Cheque Account


As a Premier Select Cheque Account holder, you enjoy great savings:

  • Keep R10 000 or more in either your Premier Select Cheque Account, in any of FNB's Savings and Investment Accounts and have your monthly fee rebated. You will also get:
    • Free ATM withdrawals, cardless cash withdrawals and Cash@Till™ withdrawals up to the value of R4 0001
    • Free ADT deposits up to R4 0001
    Only applicable when the balance requirement is maintained.
  • Free subscription to Online Banking, Cellphone Banking and the FNB Banking App
  • Free subscription to eBucks Rewards
 
 

Team of bankers


A team of bankers available for all your needs


You don't have to walk into a branch because your team of bankers can assist wherever you are.

So contact us when you need assistance with:

  • Guidance on your rewards and benefits
  • Applying for credit facilities and limit increases
  • Opening and managing Investments with FNB
  • Applying for finance when buying a home
  • Getting insurance for your valuables
  • Planning for the longer term through independent financial advisors
  • Getting foreign currency when you travel to other countries

Your team of bankers is supported by financial advisory, travel, investment and insurance specialists.

Rewards on travel and transport


Earn more

 

Explore, get lost, travel

  • Make your travels more affordable with discounts of up to 40% on selected domestic and international flights through eBucks Travel
  • Get free Comprehensive Travel Insurance , keeping you covered for local and international travel. Your travel insurance will cover any medical expenses, cancellations, damaged baggage and more. Available to clients under the age of 70
  • Escape the chaos that comes with travelling with access to SLOW Domestic Lounges and SLOW International
  • Get discounts of 10% on your Sun International destinations when booked through eBucks Travel

Move, be moved, get rewarded

  • Earn up to R4 per litre back in eBucks on fuel from Engen
  • Earn up to 15% back in eBucks on your domestic Uber rides
  • Get discount of up to 40% on Avis Car Rental when booked through eBucks Travel
  • Use your eBucks to fill up with fuel at participating Engen service stations

Terms, Conditions and Rules apply.

 

Rewards on shopping, data and prepaid


Earn more

 

Shop + get rewarded for anything

  • Earn up to 15% back in eBucks when you shop at Checkers & Shoprite
  • Earn up to 0.25% back in eBucks on all other in-store shopping with your Premier Select Cheque Card
  • Spend your eBucks and benefit from discount of up to 40% on selected purchases from the eBucks Shop such as smart devices, appliances, entertainment goods and so much more!
  • Enjoy savings on experiences and products at the eBucks Shop exclusive to Premier Select clients

Move, be moved, get rewarded

  • Stay in contact with family and friends and earn up to 15% back in eBucks on your FNB Connect contract or prepaid airtime purchases
  • Get access to the latest smart devices, payable over 24 months and interest-free - the perfect gift for your grandchild or just for you
  • Use your eBucks to fill up with fuel at participating Engen service stations
 

Free data, voice minutes & SMSs


Helping you make your
money go even further

With your qualifying Premier Select account, you get up to 500 MB free data,
30 voice minutes and 30 SMS allocations on your FNB Connect SIM.
Just another way FNB gives you more value!

*Free minutes apply to local calls only

Read more on how to get the full benefit

What's hot


FNB Connect

Earn up to 15% back in eBucks



Short-term credit solutions

Choose the solution to suit you best

Read more

Comprehensive Travel Insurance

Keeps you covered no matter where you go in the world

Read more

Free Linked Savings Account

Get a free Linked Savings Account and save as you spend with Bank your Change™

Read more

Simple account management


It's easy, secure + subscription is FREE

Manage your accounts on the go, wherever, whenever you want with Online Banking. Download the FNB Banking App for free and do all your banking the way you've been doing it online and on your cellphone and more.

Applying made easy


Premier Select Cheque Account

Qualifying criteria

  1. Age 55 and older
  2. Annual salary between R240 000 and R749 999

How to get it

Apply now!

Other ways to apply

Complete the call me back form

Contact us

Documents needed

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