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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 .

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


Comprehensive Global Travel Insurance will keep you covered no matter where you go in the world, when you purchase your return travel ticket(s) on your credit card you will get up to R10 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.

Which cards qualify for our Comprehensive Global Travel Insurance?

  • Gold Credit Card
  • Premier Cheque and Credit Card
  • Private Clients Cheque and Credit Card
  • Private Wealth Cheque and Credit Card
  • FNB Fusion Premier Account
  • FNB Fusion Private Client Account
  • FNB Fusion Private Wealth Account

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 Comprehensive Global Travel Insurance?

To qualify for Comprehensive 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 Europ Assistance on: +27 11 991 8409 ('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 Comprehensive Global Travel Insurance you get:

  • Up to R10 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, stolen or damaged baggage

For more information view the Global Travel Insurance Policy together with the Premier, Private Clients and Private Wealth Comprehensive Schedule of Benefits

For assistance contact:
Global Travel Insurance Help Desk: 0861 490 100
Europ Assistance: +27 11 991 8409 ('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 with the Senior Schedule of benefits . 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 with 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.

Hassle-free salary + debit order 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


Bank on the go safely and securely with the FNB Banking App. As a registered Online Banking user, you can access the FNB Banking App. Using the free FNB Banking App, you pay no data fees.


Do your day-to-day banking:

  • View detailed balances and transactions
  • Transfer funds between accounts
  • Stop/reverse debit orders on Mobile and eChannels
  • Get notifications from 1 cent
  • Make payments
  • Make Cardless Cash withdrawals


You can also buy:

  • Prepaid Airtime
  • Data Bundles
  • SMS Bundles
  • Prepaid electricity
  • iTunes

You can use Connect to:

  • Make calls to FNB call centres
  • Make calls and send messages on the App


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.

inContact


inContact s FNB's transaction notification service that gets sent to your cellphone. With inContact, you can keep track of amounts higher than R100 going in and out of your account, for free.

inContact offers you the ability to:

  1. Identify any unauthorised transactions on your accounts.
  2. Receive messages for transactions on accounts that belong to you only.
  3. Get notifications from 1 cent on the FNB App by selecting your desired amount accordingly.
  4. Manage the funds in your accounts.
  5. Receive messages with details of your multiple debits that are processed overnight i.e. 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 which you access via a link or mandate.

You can register for this service at any FNB branch via Online Banking or by calling 087 575 9404.


Decline inContact messages are an innovative and convenient method of advising customers of why their transactions are 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 the 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 canceled.

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

In the event of your card being 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.

Online Secure is a free service and can easily be activated from your Online Banking profile.


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


Bank on the go safely and securely with the FNB Banking App. As a registered Online Banking user, you can access the FNB Banking App. Using the free FNB Banking App, you pay no data fees.


Do your day-to-day banking:

  • View detailed balances and transactions
  • Transfer funds between accounts
  • Stop/reverse debit orders on Mobile and eChannels
  • Get notifications from 1 cent
  • Make payments
  • Make Cardless Cash withdrawals


You can also buy:

  • Prepaid Airtime
  • Data Bundles
  • SMS Bundles
  • Prepaid electricity
  • iTunes

You can use Connect to:

  • Make calls to FNB call centres
  • Make calls and send messages on the App


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 or email us at premier@fnb.co.za.

Terms, conditions and rules apply.

Branches + ATMs




Download the FNB Banking App


Get the FNB Banking App for your smartphone

Download Apple Download Android



Get the FNB Banking App for your tablet

Download Apple Download Android

Use at ATMs


Get access to cash whenever you need it*.

All FNB debit, credit and cheque 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 and cheque deposits.

  • Funds from cash deposits are available immediately
  • Funds from cheque deposits are available after clearance

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.

Access the Premier life


Secure chat


Take your banking experience to the next level with access to a team of Premier Bankers, dedicated to assisting you with your day-to-day banking.

  • Secure Chat on the FNB Banking App gives you 24/7 chat banking with your team of bankers. This is a secure and convenient method to get help for your banking needs.
  • Contact Premier Banking via the FNB Banking App or by calling the Premier Suite.


Your key to world-class banking


24/7 convenience

Banking

Do your banking on our digital channels. Enjoy features like payments, transfers, eWallet, Secure Chat, GeoPayments, and more - all on online banking and the app.



Security

Access Smart inContact, activate cards, set limits, report fraud, Fingerprint ID and more.



Convenience

Prepaid Data & Airtime, Prepaid Electricity, LOTTO & Powerball, discount vouchers and coupons from Shoprite & Checkers.



Premier Cheque Account | Earn from R300 000 to R749 999


Banking reinvented.

The Premier Cheque Account offers world-class banking at only R185 pm. Get 24/7 access to a team of bankers and enjoy rewards that will make a difference in your life.

Want to experience more power? Get the all-inclusive Premier Cheque Account and Credit Card bundle at a single, discounted fee of R199 pm.

Get more power, instantly


Expect more from your cheque account

Banking with Premier offers you exclusive value every time you swipe.
Earn rewards that never expire!
Get dedicated service from a team of Premier bankers, available 24/7.

Value you can bank on

  • All-inclusive value - get your Premier Cheque Account and Credit Card at a single discounted fee, giving you a complete day-to-day banking product suite, as well as unlimited transactions.
  • Free Digital banking on FNB Banking App, FNB Online Banking and Cellphone Banking.
  • Free Savings Account allowing you to Bank Your Change, so you save as you spend.
  • Free eBucks membership to earn rewards that never expire.

* Rated in the latest South African Consumer Satisfaction Index

 

Over R1 billion paid out in eBucks every year


A fresh perspective on rewards

FNB Premier gives you real rewards - no fees, no expiry.

  • Get free discounted coupons to exclusive eBucks partners via the FNB App
  • Get access to eBucks Travel, giving you special deals and discounts.
  • Get discounts off up to 40% on flights with Kulula & Emirates.
  • Get access to the SLOW lounges at airports.
  • Earn up to 15% back in eBucks on fuel, Uber, Shoprite and Checkers purchases.
  • Earn eBucks every time you shop in-store and online.

 

Your key to world-class banking


24/7 convenience

 

Banking


Do your banking on our digital channels. Enjoy features like payments, transfers, eWallet, Secure Chat, Geo Payments, and more - all on online banking and the app.

Security


Access Smart inContact, activate cards, set limits, report fraud, Fingerprint ID and more.

Convenience


Prepaid data and airtime, prepaid electricity, Lotto and PowerBall, discount vouchers and coupons from Shoprite & Checkers.

 

Secure Chat


Your requests addressed

Your team of bankers is available anytime you need them. Simply access Secure Chat on the app for a direct service that lets you message your team with a question, query or instruction, from wherever you are.

nav»


A new financial GPS

Looking for a house? What about renewing your licence disk hassle free? Then it's time for you to meet nav».

This is an app functionality that helps you get a pre-approval for a home loan, track your car value estimate, and more.

 
 

Easy payments


All the time

Splitting the bill amongst friends is no longer a hassle, thanks to innovative app tool Geo Payments.

This allows you to send and receive cash from recipients located within close proximity to you - all without entering bank details, making it an immediate transaction.

Gift a friend


Easily

You're even able to make the most of shopping by using vouchers on the app.

With these digital vouchers, you can shop easily at outlets like Mr Price, Makro, or even enjoy a movie at Nu Metro. The best part? You can send these vouchers as gifts to loved ones.

 

Applying made easy


Premier Cheque Account

Qualifying criteria

Annual salary between R300 000 and R749 999

How to get it

Apply now!

Other ways to apply

Complete the call me back form

Contact us

FNB Banking App

Documents needed

  • South African ID Book/card
  • Proof of residence