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For My Business

< R10m annual turnover

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> R10m annual turnover

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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)

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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

FNB Cash Advance Overdraft Loans Debtor Finance Leveraged Finance Private Equity 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 Imports and exports Structured Trade + Commodity Finance Business Global Account (CFC account)

Value Adds + Rewards

Connect my business the dti initiatives Enterprise and supplier development Business Hub eBucks Rewards for Business DocTrail™ CIPC Integration Channel 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

KYC / FICA Debit order + recipient switching Electronic Alerts

Corporates + Public Sector

Corporate Public Sector

All savings + investment accounts


Cash deposits

Notice deposits Immediate access Access to a portion Fixed deposits

Share investing

Shares

Tax-free investing

Tax-free accounts

Funds/unit trusts

Ashburton specialised products

Invest abroad

Offshore products

I want to save for

Personal goals Child's education Emergencies Tax-free

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Additional options

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Financial planning

Overview

Encore Account


Premier Select: Comprehensive Pricing Option

Published at 2017-07-24

Tier Credit Interest Rate
R0 - R9 999 0.30%
R10 000 - R19 999 0.55%
R20 000 - R49 999 1.55%
R50 000 - R99 999 3.20%
R100 000+ 0.80%

Youth Account


Published at 2016-03-18

Amount Interest
(per annum)
R1 - R 100 0.00%
R100 - R 1 000 1.40%
R1 000 - R100 000 1.90%
R100 000+ 2.95%

Stokvel Account


Published at 2023-05-26

Amount Interest (per annum) Effective Rate
R1 - R19 999 7.05% 7.28%
R20 000 - R24 999 7.25% 7.50%
R25 000 - R74 999 7.70% 7.98%
R75 000 - R99 999 7.80% 8.08%
R100 000 - R499 999 7.80% 8.08%
R500 000 - R999 999 7.90% 8.19%
R1 000 000 - R5 000 000 8.00% 8.30%
R5 000 000 + 8.25% 8.57%

Nominal rate per annum (NACM): This is the annualised interest rate that you will earn daily and is capitalised monthly. This rate does not take into account the compounding interest effect.

Annual Effective Interest rate: Annualised interest rate that takes into account the compounding interest effect for one year assuming interest is not withdrawn.


Smart Save Account


Published at 2023-05-26

Amount Interest (per annum) Effective Rate
R100 - R999 5.00% 5.12%
R1 000 - R4 499 5.00% 5.12%
R4 500 - R9 999 5.00% 5.12%
R10 000 - R14 999 5.00% 5.12%
R15 000 - R19 999 5.00% 5.12%
R20 000 - R24 999 5.00% 5.12%
R25 000 -R39 999 5.00% 5.12%
R40 000 - R49 999 5.00% 5.12%
R50 000 - R74 999 5.00% 5.12%
R75 000 - R99 999 5.00% 5.12%
R100 000 - R149 999 5.00% 5.12%
R150 000 - R199 999 5.00% 5.12%
R200 000 + 5.00% 5.12%

Nominal rate per annum (NACM): This is the annualised interest rate that you will earn daily and is capitalised monthly. This rate does not take into account the compounding interest effect.

Annual Effective Interest rate: Annualised interest rate that takes into account the compounding interest effect for one year assuming interest is not withdrawn.


Savings Account


Published at 2023-05-26

Balance Band Interest (per annum) Effective Rate
R1 - R19 999 7.05% 7.28%
R20 000 - R24 999 7.25% 7.50%
R25 000 - R74 999 7.70% 7.98%
R75 000 - R99 999 7.80% 8.08%
R100 000+ 7.80% 8.08%

Nominal rate per annum (NACM): This is the annualised interest rate that you will earn daily and is capitalised monthly. This rate does not take into account the compounding interest effect.

Annual Effective Interest rate: Annualised interest rate that takes into account the compounding interest effect for one year assuming interest is not withdrawn.


Transactional savings accounts


Interest rates

A positive balance has positive returns.