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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

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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)

Transact

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)

Borrow

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

Insure

Insurance

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

Overview

Bank Better

Demos KYC / FICA Debit order + recipient switching Electronic Alerts

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Product Shop

Corporates + Public Sector

Corporate Public Sector

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Private Banking

Private Banking

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Overdraft


A short-term credit facility to cover unforeseen expenses or to serve as a safety net. Customers must have an active FNB Cheque Account

What an overdraft offers me

  • Immediate availability upon approval, and if you don't use it you don't
  • No minimum monthly repayments as long as you remain within the agreed limit and make regular deposits such as your salary into your cheque account
  • A fluctuating facility, which reduces with monthly deposits
  • A personalised interest rate based on your credit profile
  • A monthly fee, only if more than R200 of the facility is used

What this allows me to do

  • Cover unforeseen expenses
  • Enjoy a safety net in case of an emergency

FNB also offers a Debt Protection Plan to assist you and your family to pay Overdraft (credit facility) debt in the event of your death or permanent disability. To ease the financial burden in the event of temporary disability or retrenchment, we will help pay your monthly instalments on the covered facility.

View the Overdraft Facility Terms and Conditions

Revolving Facility


  • Manage your money with a Revolving Facility that protects your bank account when your bank account balance is on zero, by automatically sweeping funds into your bank account so that you're never low on cash.
  • Choose between Variable and Fixed payment options
    • On a Variable payment option you only pay for what you use, repayments reduce as your balance reduces.
    • A Fixed repayment option is easy to budget for as your repayments never change.
  • New shortfall protection- funds will automatically be made available in your transactional account when you swipe or when a debit order runs. This means no more bounced debit orders or declined POS transactions.
  • Transfer funds into any account on your profile directly from your Revolving Facility using our digital channels.
  • Make third party payments directly from your Revolving Facility using our digital channels
  • Debt Protection - in case of your death, permanent disability, unemployment/inability to earn an income or temporary disability. Read more.
  • You get access to the full available credit limit.

Temporary loan


How it works

  • Take up this loan at any FNB ATM, branch or through digital banking
  • Any deposits made into the FNB transactional account from the day after taking up the loan may be allocated towards the payment of the loan.
  • The amount you qualify for is dependent on your credit profile and subject to credit approval.
  • Use the funds for just about anything, from covering unforeseen emergencies.
  • A flexible loan that is repayable within 31 days.

Enjoy convenience

  • Available immediately: Funds are immediately in your Personal Cheque Account or Easy Account
  • Convenience credit: Get credit directly into your account if you qualify
  • Know what you pay for : An intiation fee of up to 13% of the loan value

Credit card


This one-stop banking service includes a host of outstanding financial services such as access to a Private Banker, access to the exclusive SLOW Lounges and up to 5% back in eBucks on online purchases.

Your income must be between R750 000 and R1499 999 per year. Monthly account fee from R157*

Get rewarded

  • Earn up to 5% back when you shop online
  • Earn up to 2.5% back in eBucks when you swipe your Private Clients Credit Card for in-store shopping and earn up to 15% back in eBucks on your prepaid electricity and Checkers & Shoprite spend
  • Earn up to 15% back in eBucks when you fill up at any fuel station, buy Gautrain tickets, or when using Uber domestically

For more information on how to qualify, earn and spend, please visit www.ebucks.com.

Why a Private Client Credit card?

With a range of benefits like having access to your own Private Banker and complimentary visits to Priority Pass International Airport Lounges, why would you need anyother card?

Manage your accounts and card safely and securely with the FNB App, Online Banking, Cellphone Banking, Branches and ATMs.

Personal loan


Whether you want to renovate your home, purchase a used vehicle or another big item, walk down the aisle, or enjoy your dream holiday, the Personal Loan from FNB is the right unsecured credit solution for you.

  • A loan from as little as R2000 to R200 000
  • Personalised interest rates from as low as 15%
  • Choose your own repayment term from 1 - 60 months
  • Pay no penalty fees if you settle the loan earlier than the agreed term
  • A chance to boost your eBucks Reward level
  • Get cash directly paid into your FNB account within minutes
  • Take-a-Break in January with an instalment free month, if your account is up to date
  • Your loan is covered with our Customer Protection Plan (CPP), which covers you in the event of your death, permanent or temporary disability, unemployment or inability to earn an income.

Personal credit


Credit that's made-to-measure for you as an individual

As a Private Clients customer, your credit is highly personalised to you as an individual.

Flexible to your needs


Overdraft

Only pay when you use it for short-term cash flow needs

Read more

Revolving Facility

Flexible credit for those purchases you want to pay off over time

Read more

Temporary loan

Instant credit when you need it most which you can pay back with your next deposit

Read more

Credit card

A lifestyle enabler for everyday use

Read more

Personal loan

Get cash paid into your account within minutes

Read more

Applying made easy


Personal credit

Qualifying criteria

  • Earn between R750 000 and R1499 999 p.a. to qualify

How to get it

Apply now!

Other ways to apply

Find a branch

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 month's)
  • Latest payslip or last three months' bank statements (for overdraft applications only)