Please select

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Please select

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Switch to FNB Business

Product shop Retrieve application

By Turnover

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)


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

Savings and Investments

Save and Invest 3PIM (3rd Party Investment Manager)


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



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

Going Global

Global Commercial Banking

Financial Planning


Bank Better

Demos KYC / FICA Debit order + recipient switching Electronic Alerts

Switch to FNB

Product Shop

Corporates + Public Sector

Corporate Public Sector

Switch to FNB

Product Shop

Private Banking

Private Banking


Only pay when you use it! An overdraft is a convenient credit facility linked to your account that gives you the confidence to manage your personal finances.

  • 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
  • Flexibility as payments made into your facility make the funds available for use once more.
  • A credit limit and interest rate that is dependent on your credit profile
  • Optional Debt Protection available in case of your death, permanent disability, retrenchment or temporary disability

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 or login to FNB Online Banking and select the FNB Connect tab.

Terms and conditions apply.

Comprehensive Global Travel Insurance

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

To qualify for Global Travel Insurance at no charge, you require a qualifying FNB Debit, FNB Fusion or Credit Card with which to pay for your travel ticket.


  • 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 Debit, 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, Lesotho, Namibia, and Swaziland.

With 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.

SLOW Lounge

The Lounge for extremely busy people.

As a qualifying FNB Premier, Private Clients and Private Wealth Current or Credit Card client, you get access to SLOW Domestic Lounges (located in the domestic terminals of OR Tambo, King Shaka and Cape Town International Airports), SLOW International (located in the International terminal of OR Tambo International Airport) and SLOW in the City (located in Sandton).

For more information on each, select the relevant block below:

View the FAQs on SLOW Lounge access to find out how you qualify.

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.

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.


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: 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.


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

Find a branch

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.

eBucks Rewards

FNB Private Clients and Private Wealth Cardholders will enjoy the exclusive service of eBucks Lifestyle where a Lifestyle Assistant will assist you with:

  • All your travel arrangements including flights, car rental and accommodation
  • Gifting services like ordering flowers, wine, gift vouchers and hampers
  • Lifestyle experiences such as spa days, hot air balloon rides and luxury picnicking
  • Dining reservations
  • Sourcing sport and event tickets

In addition, FNB Private Wealth and FNB Private Clients will have access to the following complimentary and discount services:

  • AVIS Point2Point - your personal transfer service ensuring you will always get to where you are going in style. Depending on your reward level you qualify for 5 free local transfers per annum in an economy vehicle on your Private Clients account and for up to 8 free local transfers per annum on your Private Wealth account when booked via the eBucks website.
  • Speed Pass - a VIP meet and assist airport service. As an FNB Private Wealth client you qualify for a 15% discount at over 285 international airports worldwide which means a friendly face greets you at the airport, removing language barriers and lengthy queues through customs and immigration.
eBucks Lifestyle - Private Clients
Your Reward level 1 2 3 4 5
Avis Point 2 Point local trips per annum 0 1 2 4 5
Speed Pass service discount


eBucks Lifestyle - Private Wealth
Your Reward level 1 2 3 4 5
Avis Point 2 Point local trips per annum 0 1 2 4 8
Speed Pass service discount


Things to remember:

  • Complimentary Avis Point 2 Point transfers must be booked online using the Avis Point 2 Point self-service booking system

These services can be booked through eBucks Lifestyle. For more information or to make a booking simply contact one of the Lifestyle Assistants on 087 575 0050 or send an email to

Free visits and trips are based on a calendar year, and are dependant on your current reward level.

eBucks Lifestyle operating hours:
Monday to Friday from 08:00 to 17:00
Saturdays from 09:00 to 12:00
Closed on Sundays and Public Holidays

Terms, Conditions and Rules apply

Private Clients' best features

It all begins with a transactional offer

Access Private Clients at a single discounted monthly fee
including Money Maximiser*, Savings Account, Global Account*, Securities Local and Global Trader*

Private Clients Bundle Account

Get a debit card and a credit card at a single discounted fee. Get up to 55 days interest free on credit card purchases.

Apply now  

FNB Fusion™ Private Clients

A single account that offers you the flexibility of a transactional account with the reward and credit benefits of a credit card. Get up to 30 days interest free on card purchases.

Apply now  

*Minimum balances apply

The FNB App

Your Private Banker will assist you with:

  • Cash Investments
  • Share Trading
  • Unit Trusts
  • Global Solutions
  • Life Insurance
  • Personal Loans
  • Specialised Finance
  • Property Finance

Your Team of Specialists will provide you with personalised financial and fiduciary advice

Financial planners
Tailor-make your (family's) holistic financial plan with our Financial Advisors and our Goal-Based Financial Planning approach. We will expertly guide and help you to identify, prioritize and plan for your financial future, needs and goals.

Portfolio Managers
Take advantage of long-term capital appreciation by expertly investing in local and global stock markets around the world, guided by one of our skilled Portfolio Managers.

Fiduciary Specialists
Let us help you leave a legacy that will last a lifetime. Our expertly skilled Fiduciary Specialists can help to protect your loved ones as well as your hard earned money, with solutions from Wills to Family Trusts, we've got you covered.

24/7 Private Clients Service Suite will assist you with your day-to-day banking needs such as:

Benefit from the secure payments ecosystem that PayPal offers:

  • Debit order queries *
  • Queries on eBucks
  • Stamped bank statements
  • International card activation
  • Account maintenance
  • Settlement letters
  • Letters of Good Standing

*Stop and reverse debit orders of R200 or less on the FNB App

Secure Chat™

A team of bankers is available anytime you need them. Simply access Secure Chat™ on the FNB App for a direct service that lets you message your team of bankers with a question, query or instruction, no matter where you are.

24/7 Private Clients Service Suite

A Loan that is Personal to you

A Personal Loan from Private Clients is there to help you out when you need quick access for those planned, and sometimes unplanned expenses.

An unsecured credit solution that offers you the ability to determine your loan amount (R1000 - R300 000) as well as the repayment term (1 - 60 months). FNB will not charge any penalties if the loan is settled early. We also offer an instalment-free month in January (terms and conditions apply).

Property Finance

Private Clients offers you specialist lending expertise and services. Our flexible lending products can be shaped to your advantage - taking into account your requirements, desired funding amount and objectives. Our Home Loan, Structured Loan and Single Facility products offer you flexibility, convenience and competitive interest rates. Speak to your Private Banker for more information to help you choose the lending solution that will be best suited to you.

Securities-Based Lending

When the opportunity arises to expand your investment, finance a new business endeavour or invest in real estate, our Securities-Based Lending solution gives you direct access to the funds you need without having to liquidate your existing investments.

This tailored short-term finance (three years or less) allows you choose from various pricing options and repayment schedules. Depending on the repayment option you select, you can access further funds during the course of the loan.

Savings and Cash Investments

With FNB Savings and Cash Investments capital and quoted returns are 100% guaranteed.

FNB Money Maximiser
The Money Maximiser fee is included on the Bundled pricing option. Earn a money market fund related rate, while enjoying guaranteed capital and quoted returns. You have instant access to your investment, without penalties, via the FNB App and Online Banking.

Share Trading

Investing in shares is an important way to diversify your portfolio and achieve favourable returns over the long term. We offer you a range of investment options that enables you to invest and trade on the JSE, ZAR and global exchanges in a way that best suits you.

Tailored investment options:

Unit Trusts

Our Horizon Series aims to help you reach your investment goals by growing your money faster than inflation. Our range of five unit trusts combines the best in the market and has been built by investment experts across FirstRand.

Understanding the Horizon Series:

Tax-Free Unit Trusts

Tax-Free Cash Deposit: Capital and quoted returns are 100% guaranteed. Interest that is earned will not be taxed and there are no monthly fees. Access savings after 32 days' notice.

Tax-Free Shares Account: Invest in the top 100 companies on the JSE via an ETF, by using Online Banking or the FNB App and pay no tax on capital gains and dividends earned.

Tax-Free Unit Trusts: With a Tax-Free Unit Trust you will benefit from additional growth on your investment, dividends and returns as a result of your tax-free savings.

Financial Planning

Goal-setting is integral to the success of any financial plan. Which is why at FNB, we focus on a Goal-Based Financial Planning approach with a clear aim to identify, prioritize and plan for our client's individual and business financial planning goals over their lifetime.

Our Financial Planners have the necessary skills to guide clients through this journey thereby better enabling them to achieve their, risk, investment and retirement planning.
We begin this approach begins by articulating each client's financial journey and then implementing an underlying strategy and solution to support the realization of each goal over time.

Our team will also draw from the services of a Fiduciary specialists who will help you protect, manage and preserve your wealth.

They will craft personalized solutions including:

  • Wills
  • Estate duty and liquidity analysis
  • Trust advice, administration and trusteeship
  • Estate administration.

Global Investments Portfolio

FNB Channel Islands
FNB Channel Islands, our Guernsey-based bank, offers a suite of offshore transactional and savings accounts. For transactional purposes, FNB Channel Islands offers includes an interest bearing Current Account based in Sterling. It comes with an internationally-accepted Mastercard debit card for your day-to-day transactions, provides instant access to funds, and incurs zero monthly fees on balances of £5,000 or more.

Global Account
The Global Account is included in the single discounted monthly fee of R365 (Ts & Cs apply). Our Global Account is our foreign currency account which is a South African based account that is deemed offshore. This account is offered in 9 different currencies and is ideal should you have a need to save in currency for travel purposes or simply require a vehicle to hedge against foreign currency movements.

Foreign Exchange

At FNB Private Clients, we've enhanced our foreign exchange offering to provide you with end-to-end solutions that enhance your lifestyle, no matter how demanding it becomes. Simple, straightforward and secure, our solutions help you get the most out of foreign exchange by giving you the flexibility and convenience of transacting when and where it suits you.

Our world-class solutions use the latest technology to make sure the control is always in your hands:

  • Take care of all your travel needs - order travel cards and foreign notes, have foreign currency delivered directly to you, pay in advance for travel-related foreign expenses and transfer spending money to your offshore account, when it's convenient for you
  • Send money across borders or make international payments - whether you're sending money to family or paying for goods and services, our range of global payment solutions are easy and simple to use. Earn up to 50% back in eBucks on transaction fees, depending on your reward level
  • Receive money from abroad - take the hassle out of receiving funds from abroad by converting funds via Online Banking or the FNB App
  • Enjoy personalised exchange rates and competitive fees
  • Save in foreign currencies - save and transact in nine foreign currencies with FNB Global Accounts and earn eBucks reward points** by maintaining the required minimum balance in your Global Account. Get an FNB Global Cheque Card, linked to USD, GBP and EUR Global Accounts
  • Transact and save with offshore accounts - FNB Channel Islands offers a current account in GBP and various savings options available in GBP, USD and EUR


At FNB Securities , we respect your individuality, which is why we cater for clients who prefer to invest independently as well as those who require the skills of an active Portfolio Manager or Stockbroker to navigate the market.

FNB Securities Local Trader is a platform that allows you to trade on the local JSE market. This platform allows you to invest in shares, exchange traded funds (ETFS), exchange traded notes (ETNs), warrants and preference shares.

FNB Securities Global Trader allows you to trade on over 20 global exchanges at the touch of a button. You can diversify your portfolio and increase your international exposure with transactions in three base currencies: USD, EUR and GBP.

Our Personal Share Portfolios follow a disciplined methodology in the selection of equities, fixed income, cash, offshore and other instruments - diversification through careful asset allocation is key. We are guided by sound analysis and a strong focus on fundamentals. We offer a range of portfolio management services to meet your needs. Our portfolios are structured with long-term capital appreciation in mind, with an emphasis on diversification and risk protection.

Offshore Advice

For clients who are earning in Rands, spending in Rands and will one day retire in Rands, offshore exposure is an important part of a rand-based, diversified portfolio designed to meet a specific goal. Our Financial Planners have the capability to create a tailor-made investment strategy for you and your family based on a philosophy of Goal-Based Financial Planning. Their experience and expertise enable them to create diversified investment portfolios that maximise opportunities from across the globe.

Banking at its best

Banking on the app is a fast, easy and convenient way to transact from the comfort of your home, or on the move. Everything you need is at your fingertips. From everyday banking to paying for in-store purchases without cash or a card.

1. eBucks

Qualify to earn eBucks when you transact on the FNB App.

2. Payments and transfers

  • Login to view the balances of all your accounts linked to your banking profile.
  • Make transfers and payments in a few easy steps.
  • Add and manage beneficiaries.
  • Access your account statements.

3. Card maintenance

Manage all your cards on the app, this is what you can do:

  • Order cards
  • Cancel cards
  • Update / increase limits
  • Upgrade cards
  • View PIN

4. Cardless cash withdrawals

Forgot your wallet? Make cardless cash withdrawals at any ATM.

5. FNB Pay

Tap and pay with your Android smartphone. Simply register on the app.

6. SLOW Lounge

Check your complimentary visits to SLOW Lounges.

FNBy Account

FNBy is here to help with step-by-step guides and great benefits. From a fully functional account that can be used for day-to-day banking to a savings account with great interest rates - FNBy is the full banking solution!

It is never too early to start learning about money and how to manage it.

  • Designed specifically for youth younger than 25.
  • No monthly account fee for under 18s and only R12 per month for over 18s.
  • FNB Banking App subscription at no charge

Go to FNBy to find out more

Premier Select for retirees

As you mature into the next stage of life, FNB is mindful of the change in your needs and your lifestyle.

The Premier Select portfolio offers you an array of banking, savings and short-term insurance products and services tailored just for you.

Find out more

Global Account

Open a Global Account online and save in one or more of the 9 currencies available. It's free to open, with no monthly fees, plus you can get a linked card and earn eBucks points on the balance.

More about Global Account

Plan you trip

Set up a savings goal

Set up and monitor a savings goal on the FNB App to start saving for your perfect getaway.

More about saving for a goal

Get your visa ready

Generate and download your letter for your visa application from your banking profile.

On the app

  • Log in and select applicable transactional account
  • Select arrow next to the account
  • Scroll down, select 'Visa Application Letter' icon and follow the prompts

Online Banking

  • Log in and select 'My bank accounts'
  • Select applicable transactional account
  • Select 'Visa Application Letter' under 'Bank Letters' and follow the prompts

Get rewarded with eBucks

Still deciding on a destination or already have one? You and your family can take advantage of eBucks travel deals and discounts.

Visit our eBucks travel website and take a look at all the specials and packages on offer.

Visit our eBucks travel website

Transact globally from start to finish

With a Global Debit Card

Get your Global Debit Card linked to your Global Account to make sure you have access to funds when travelling. It's quick and easy and funds are available in Dollar, Pound and Euro.

With a Cash Passport™

Avoid currency fluctuations and keep track of your spend with a Cash Passport. It's easy to order, load and reload, even while abroad in your selected currency (Dollar, Pound, Euro, Australian Dollar).

With foreign notes

Keep some cash in the currency of the country you are travelling to. Order foreign notes online quickly and easily, with free delivery to your door for orders over R5000.

Remember, foreign currency can be ordered up to 60 days before travel.

More about foreign exchange options

Relax and take it SLOW

Relax in comfort at SLOW Lounge. Spoil yourself, catch your breath, settle into a good book or enjoy some tasty snacks while waiting for your flight.

With our new Global Debit Card, you get access to more than 1000 airport lounges outside South Africa.

More about SLOW Lounges

More about access to airport lounges worldwide with LoungeKey

Transact securely on the app

Ensure you have the latest version of the FNB App downloaded on your smartphone.

It's safe

Before your trip, make sure that you have verified your FNB App device.

Simply let us know that you will be out of the country via Secure Chat on the app so we can act speedily should we notice suspicious transactions on your accounts.

It's convenient

With the FNB App you can handle your finances as per normal, keep track of your account activity and approve Online Banking transactions via Smart inContact. It's safe and cannot be intercepted.

Connect your FNB App to your nearest Wi-Fi hotspot or purchase data in the country you are visiting to use the app just as you would at home.

Download the app

Stay in touch

When abroad

Whenever you need us, we are just a call away.

When back home

When returning back home, you can retain any unused funds in your Global Account so you can start saving for your next trip, or you can transfer it back into your FNB account for free.

Should you have a Cash Passport, don't forget to cash out the remaining funds back into your FNB account, for free.

Some important contact details to save

Credit Card & Debit Card
0860 FASTAP (327827)

Foreign Exchange, Travel Card & Global Account
08601 FOREX (36739)

Global Travel Insurance
0861 490 100

You can also find all our important contact numbers on the FNB App.

SLOW Lounge

Even more family benefits
Earn up to 12 additional SLOW Lounge visits - Domestic or International - for you and your family when you book flights through eBucks Travel

SLOW Lounge boasts many features and services, such as freshly brewed coffee, tasty snacks and an abundance of power sockets, high speed WiFi, private studies, spa treatments, and a selection of books and newspapers to enjoy while you wait for your flight.

SLOW Lounges are located at the domestic terminals of the O.R. Tambo, Cape Town and King Shaka International Airports as well as at the international terminal of the O.R. Tambo International Airport.

Terms, conditions & rules apply

Download the FNB Banking App

Even more rewards

When you spend at our partners

  • Up to 15% back in eBucks at Checkers & Shoprite
  • Up to 15% back in eBucks at Clicks
  • Up to 15% back in eBucks on the latest Apple products at iStore
  • Up to R8/l back in eBucks every quarter with Engen & WesBank

When you look after the ones you love

  • Up to 40% back in eBucks on your FNB Life Insurance premiums every month

When you learn from home

  • Save up to R399 when you buy eTextbook vouchers with eBucks & Snapplify

When you stay connected

  • Up to 2GB data, 30 voice minutes & 30 SMSs every month on your FNB Connect SIM

When you travel

  • Get up to 40%* off selected flights for you and your family with eBucks Travel
  • Unlock an Avis Car Hire discount of up to 40% off when you book flights on the FNB App
  • Get up to 20 complimentary SLOW Lounge visits per year
  • Unlock up to 18 bonus SLOW Lounge visits when you book flights with eBucks Travel
  • Get a free Wimpy breakfast or burger at participating Engen 1Stops every quarter

When you spend time with the family

  • Up to 40% back in eBucks on your Video Streaming (Netflix) and Music Streaming (Spotify®) subscriptions when your family banks with FNB
  • Enjoy a fresh smoothie, coffee or up to R100 to spend in-store at KAUAI every month
  • Get more 2-for-1 deals with The Entertainer & let FNB cover the cost until the end of 2021

For more information on eBucks Rewards download the FNB App or visit
Terms, conditions and rules apply.
*Discount excludes taxes. Terms, conditions and rules apply.

Private Clients Account for your Spouse or Partner

Existing customers can now invite their Spouse or Partner to experience the same level of benefits, rewards and service that they have become accustomed to, regardless of their spouses income.

For a single discounted monthly fee of R210, your Spouse or Partner1 will get access to an all-inclusive portfolio of products, which includes:

  • Current Account
  • Credit Card
  • Up to 3 Petro Cards (linked to your Private Clients Credit Card)
  • Up to 3 additional Credit Cards (linked to your FNB Private Clients Credit Card)
  • Savings Account
  • Global Account2 with a complimentary Global Account Card
  • Money Maximiser3

They would also have the opportunity for their monthly fees to be waived/rebated on the following products:

  • Overdraft4
  • FNB Channel Islands Current Account5
  • Securities Local Trader Account6

To apply, complete the call me back form

Terms, conditions and rules apply.

1 Only one spouse per household will be eligible for the spousal pricing option
2 Fees are applicable to foreign exchange transactions.
3 A minimum opening deposit of R100 000 is required to activate the account and must be maintained to continue earning interest. For transactional pricing on Money Maximiser, please refer to the "Savings and Investments pricing guide" on our website
4 Refer to terms and conditions of your credit agreement. Not applicable on FNB Fusion Private Clients and One Account
5 A minimum balance of at least £2 500 must be maintained in your FNB Channel Islands Current Account
6 A minimum balance of at least R25 000 must be maintained in your Securities Local Trader Account. The monthly account fee will be charged to your account and reversed in the following month.

Spousal Terms and Conditions

Private Clients | Earning R750 000 to R1 799 999 p.a.

Let us take you to the next level of financial success

Whether you are a qualifed professional, successful entrepreneur or nearing retirement, every aspect of the Private Clients offer has been purpose-designed with you and your spouse or partner in mind. Receive dedicated assistance from your Private Banker and superior service delivered through our 24/7 Service Suite and the FNB App.

Personalised service like never before

Your dedicated Private Banker's role is to assist you in growing your wealth and maximising the value you receive with FNB Private Clients. Together with our Team of Specialists, we can assist you with a holistic range of services and advice including, but not limited to: Financial and Fiduciary Planning; Wealth Management; and Stockbroking. We know you are busy running a home, a business, a team or even all three and that you may need to attend to your banking outside of traditional banking hours. That is why we offer you the 24/7 Private Clients Service Suite and the FNB App should you need any assistance with your day-to-day transactional banking needs, such as: debit order queries; stamped bank statements; as well as eBucks Rewards queries.

With our Private Clients Account your spouse or partner gets 50% off their monthly account fee to have the same account as you - regardless of their income.

Banking for your family

The same experince at a reduced monthly fee.

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Private Banker

Providing specialised banking, credit, investment and insurance solutions.

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Team of Specialists

Helping you achieve your financial aspirations.

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24/7 Service Suite

Assisting you with your day-to-day banking needs.

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Fast, reliable and secure banking on the go.

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More value with

data rewards on your FNB Connect SIM

Get up to 1GB data, 30 voice minutes and 30 SMSs on your FNB Connect SIM plus get rewarded with up to 1GB extra data when you spend R100 or more on your FNB Connect SIM during the month depending on your eBucks level.

*Free minutes apply to local calls only.

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Do more for your family

We know how important family is. Which is why we have designed our banking solutions to be all the help your family needs!


Private Clients Accounts for spouse or partner

Your spouse or partner can now enjoy the same Private Clients experience for a reduced monthly fee of R210.

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The FNBy Account is designed for kids, teens and young adults. Ideal to kick start your child's journey to financial independence.

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Global travel

Hassle-free travel with FNB

From planning your family getaway to the honeymoon of your dreams, it takes
time and effort to get everything perfect. Let us help you finalise and enjoy each
stage of your trip.

Get the right account

Open a Global Account to save and transact in foreign currency.

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Save for & plan your trip

Let us help you set up savings goals as well as generate and download your letter for your visa application.

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Transact globally from start to finish

When you go global, we help you transact with the world, with payment options to suit your needs.

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Transact securely on the app

The FNB App is your perfect banking tool while abroad. Transact wherever, whenever.

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Stay in touch with us

Remember to notify your bank that you will be going abroad so that your FNB Card isn't blocked when you need it most.

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

As an FNB Private Clients account holder, you can get more value each month with eBucks. Enjoy free membership to the eBucks Rewards programme and simply qualify to start earning rewards.

Even more ways to earn

Earn additional eBucks with Smart Spend when you use your FNB Fusion Private Clients card, FNB Private Clients Credit Card, FNB Private Clients Debit card or FNB Pay during the month.

eBucks awarded for Smart Spend will take 2 - 3 business days to reflect in your eBucks account.

Track your Smart Spend and see how many eBucks you've earned during the month by visiting the
FNB App > eBucks > Earn > Smart Spend.


Our range of financing solutions

Private Clients is uniquely positioned to consider you and your family's broader financial requirements. Our holistic lending solutions offer both convenience and flexibility to suit your unique needs. Speak to your Private Banker to find out more.

Personal Loan

An unsecured credit solution that offers you the ability to determine your own loan amount.

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Property Finance

Our Property Finance solutions range from Home Loans to building a property portfolio or using complex mixed-collateral leveraged finance to help you unlock cash-flow from your fixed investment portfolio.

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Securities-Based Lending

Improve your cash-flow or diversify your investment portfolio, without having to liquidate your securities.

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Tailored investment options

Private Clients is committed to helping you build your wealth and achieve your financial objectives.
Whether short or long term, saving and investing with FNB ensures that your goals are realised.

Cash Investments

Earn competitive interest rates while saving for unforeseen expenses and events. Capital and quoted returns are 100% guaranteed.

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Share Trading

Invest on the JSE and/or Global Exchanges from the comfort of your desk.

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Unit Trusts

Reach your investment goals by growing your money faster than inflation.

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Tax-Free Savings Accounts

Pay no tax on your savings or investments, dividends and returns with any one of our Tax-Free Savings solutions.

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Financial Planning

Our qualified Financial Planners can help you with all your long-term investment; insurance and retirement needs today.

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Global Wealth Solution

We have combined the best of our international offerings to create a single Global Wealth Solution. Whether you are looking to transact in foreign currency, need access to foreign exchange or require structured foreign-based investments - our integrated Global Wealth Solution is designed with all your offshore needs in mind.

Read more about our solutions:

Global Investments Portfolio
Foreign Exchange
Offshore Advice

The FNB App is the ultimate tool

Experience the future of banking now. Manage and keep control
of your accounts - 24/7 at zero data costs.


Secure Chat™

A team of bankers is available anytime you need them! Simply access Secure Chat from the FNB App for direct service that lets you message your team of bankers with your question, query or instruction, no matter where you may be!


A new tool on the FNB App and Online Banking to help you navigate your path to wealth. View and update all your assets and liabilities on smart graphs. Finally, true insight into your personal net worth!


Create & pay with your own
virtual card

The FNB Virtual Card on the FNB App is a faster, safer and more secure way to pay for online
and in-store purchases wherever you are in the world. You can also create an unlimited
number of cards at no additional cost to use as you need them.

It's safe

Your CVV number changes every hour. Create, cancel, delete or block your card at any time.

It's convenient

Virtual cards can also be used for FNB Pay (Tap to Pay, Scan to Pay) and all partner wallet transactions, including Apple Pay,
Samsung Pay, Fitbit Pay and Garmin Pay, without the need for a physical card.

Earn eBucks

Make your money go further and earn eBucks while you spend online.

FNB Purchase Protect

Get instant insurance for items purchased with your virtual card at no cost to you

Tell me more

Let us help you achieve your financial aspirations

Private Clients Current Account

Qualifying criteria

Annual salary between R750 000 and R1 799 999 p.a. to qualify

With our Private Clients Account for your Spouse or Partner, they qualify for the same account as you regardless of their income.
Spousal terms and conditions apply

Ways to apply

Apply now!

Other ways to apply

Find a branch

Call me back

Contact your Private Banker

Documents needed

  • South African ID book (bar-coded)/valid South African passport (SA resident)
  • Passport with valid work/retirement permit (non-SA resident)
  • Proof of residence (in your name, and not older than 3 months)
  • Latest payslip or last three months' bank statements (for overdraft applications only)