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Overdraft Debt Protection Plan


An overdraft is a good safety net to have in place to cover those unforeseen expenses that might occur. The Overdraft Debt Protection Plan offers you financial security should something happen to you. The Overdraft Debt Protection Plan covers your outstanding balance in the event of death or permanent disability and your minimum instalments for up to 12 months in the event of temporary disability or unemployment/inability to earn an income.

Overdraft


Get an overdraft to help you manage your cash flow

Only pay when you use your facility and enjoy a safety net in case of an emergency! An overdraft is a convenient credit facility linked
to your active FNB Cheque / transactional account that gives you the confidence to manage your personal finances.

 

How it works


Only pay when you use it

  • Immediate availability upon approval, and if you don't use it you don't pay for it
  • A fluctuating facility, where the balance owed reduces with your salary and increases as you need the cash
  • A personalised interest rate based on your credit profile
  • A monthly fee, only if R200 or more of the facility is used

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Protect your credit record

By ensuring there are suffcient funds for all your debit orders

Only pay when you use it

If you do not use R200 or more of your overdraft facility, you will not have to pay the monthly fee, creating the perfect safety net

Only pay interest for the amount used

You only pay for the time and amount the overdraft is used, saving you money on interest

Instant access to funds

You will always have instant access to funds up to your agreed limit

Connected to your Cheque Account

So you do not have to track or manage a separate account

Optional Overdraft Debt Protection

In case of your death, permanent or temporary disability, or unemployment/inability to earn an income

Read more

Applying made easy


Overdraft

Qualifying Criteria

  1. FNB customer with an active FNB Cheque Account
  2. Be 18 years or older
  3. Be a South African citizen
  4. Pass affordability and credit scoring assessment

Documents needed

  • Green bar-coded South African ID Book/ID Card
  • Proof of residence
  • Spousal consent (if married in community of property)
  • Depending on employment type, we may require further documentation (e.g. 3 months' payslips or bank