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

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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)


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

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Product Shop

Corporates + Public Sector

Corporate Public Sector

Switch to FNB

Product Shop

Private Banking

Private Banking

Virtual Card

No more stressing over card fraud. It's simple, safe and smart enough to change its 3-digit CVV hourly. Simply link your personal or business account for secure online shopping.


Convenient & easy to use

Virtual cards are easy to create, cancel or delete, and can be temporarily blocked at any time.

Once added you can manage your virtual card on the app since all your card details are viewable.

Virtual cards are easy to load for online purchases on Takealot, Amazon, and many more, and can be used for online subscriptions such as Uber, Netflix and more.

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.

Get FNB Purchase Protect

Your online shopping - already covered

FNB Purchase Protect offers insurance for items purchased with your FNB Virtual Card at no cost to you. The cover is limited to tangible items such as furniture and personal items like clothing, jewellery, handbags, cellphones and laptops. Items up to R15 000* are covered. From the moment you checkout, your purchased items are insured.

*Depending on your card type

What we cover


Making your money go further

Add virtual cards across all your personal and business accounts and you can also create an unlimited number of cards at no additional cost.

Get rewarded

Make global payments online any time, anywhere and earn eBucks while you spend.

How it works

Once you've inserted the credit card details on checkout, insert the dynamic CVV number that changes every hour.

Getting it made easy

FNB Virtual Card

Download the app