Make the most out of your retirement

Make the most of your money after retirement with advice that’s built around you. Our team of specialists will take a holistic view of your financial position and help you find ways to stretch your investment returns, support your lifestyle and make your money go further.

We can help you manage your money

You may receive a lump sum payout from your retirement savings when you retire. Let us help you manage your investments to ensure you have sufficient income over the upcoming years, allowing you to enjoy your retirement. What's more, retirees over 60 could earn preferential rates on their fixed deposits.

Investment solutions

Living Annuity

Make your retirement savings work for you. Stay invested after retirement and choose an income of 2.5% to 17.5% per year, while giving your money the opportunity to keep growing. Income is taxed at your marginal tax rate.

Fixed deposits

Grow your money with certainty. Fixed deposits help keep your capital safe while earning guaranteed returns over a set term. You’ll know your interest upfront, can earn higher rates on longer terms or larger deposits, and may choose monthly interest payouts to supplement your income.

Doing more with your everyday banking

Bank better

Complimentary unlimited card purchases (swipes or tap - contactless payments)

Getting more

Complimentary budget facility of up to 60 months

Easy to manage and maintain

Get notified of funds going in and out of your account.

Credit card benefits

Up to 55 days interest free on credit card purchases

Reward yourself

Complimentary eBucks Rewards membership

Access real help

Access to convenient help any time via Secure Chat® on the FNB App

Everyday banking details

Bank better

Complimentary unlimited card purchases (swipes or tap - contactless payments)
Get up to 30 days interest free on your FNB Fusion Card and up to 55 days interest free on your FNB Credit Card purchases
Complimentary payments and transfers (FNB App, Online Banking, Cellphone Banking)
Personalised interest rates on your facility

Getting more

Get complimentary Global Travel Insurance cover when you use your qualifying FNB card to purchase your local or international return travel ticket(s). This cover is available to qualifying cardholders up to the age of 70, not yet 71. If you are over 70, FNB provides a special type of insurance to suit your needs.
Access a complimentary budget facility to repay large purchases over a period of 6 to 60 months with a purchase amount from R200 or more and the option to structure your credit limit between straight and budget
Complimentary additional credit cards (1 for Premier, 3 for Private Clients and 5 for Private Wealth customers)
No initiation fee on your Fusion Card

Easy to manage and maintain

Transact safely and conveniently on the FNB App and Online Banking
Use the FNB App to increase or decrease your credit facility limit, temporarily block your card or manage your card

Credit card benefits

Personalised interest rates
The option to move your unexpected medical transactions to budget, over 6 months at a promotional interest rate of prime
Autopayment options are available
Complimentary credit card if you have a Fusion or Current account as part of the bundle offering
Exclusive offers from partners such as iStore, The Pro Shop and Cycle Lab. Get a promotional interest rate of prime on selected Apple devices, golf clubs, and bicycles
Up to 55 days interest free on card purchases made on the straight facility

Reward yourself

Complimentary eBucks Rewards membership
Access exclusive promotional interest rates on Apple devices, Cycle Lab and The Pro Shop hardware when paying for your purchase on your credit card

Access real help

Access to convenient help any time via Secure Chat® and a dedicated Service Suite or Banker to help manage your money
Access nav» Money on the FNB App to keep track of your money
Access to Wellness Benefits via nav» Wellness on FNB App

We can help you purchase a property

FNB Home Loan

We offer our Private Clients and Private Wealth customers customised benefits to match every stage of their lives.

FNB Single Facility®

A single transactional and home loan facility that saves you in monthly account fees.

Property solutions details

FNB Home Loan

Up to 100% of the value of the home loan
Preferential interest rate
A discount on bond registration attorney fees (applicable to applications submitted via nav» Home only)
No early settlement fees on bond cancellation fees
Get 50% back in eBucks on your first home loan repayment, capped at R6100 (eB 61000)*

FNB Single Facility®

Get 100% finance plus costs covered with flexible monthly repayments
Get a 0.25% discount on your prime interest rate simply by banking with FNB**
Enjoy the benefits of up to R6100 back in eBucks, discounts in attorney bond registration costs and 10% off alternative energy solutions with your FNB Single Facility®. Plus, up to 0.50% off your preferential prime interest rate for edge certified properties
Customers 60 years and over can leverage equity from an existing property for credit to help loved ones. Plus, they can leverage existing investments to gain quick access to inexpensive funding through FNB Single Facility®
Get peace of mind knowing that your property investment is being covered by FNB's Dynamic Life cover that adjusts with your home loan*, through our global award-winning insurer, and get rewarded by eBucks as well

Suretyship lending

Leverage the equity in your existing property to assist your child/children purchase a property, by standing surety on the home loan.
Leverage the equity in your existing property by standing as surety to gain access to finance, while setting up your child as the borrower on the home loan.

Get rewarded in retirement

Earn double eBucks reward level points when you invest with us, enjoy FNB Connect perks and protect your assets with FNB Insure.

Leaving a lasting legacy

Protect the legacy you’ve worked hard to build. Our specialists can help you structure your affairs and draft your professional Last Will and Testament at no cost. When the time comes, our experienced executors will support your family through the deceased estate administration process and help ease the burden at a discounted fee***.

Open an FNB Retirement Annuity in the app today

1

Simply login to the FNB App

Login to your FNB App.

2

Select 'My Investments'

Navigate to the 'My Investments'.

3

Navigate to 'Retirement'

Select 'Retirement'.

4

Select 'Retirement Annuity' and 'Apply now'

Tip: Have your tax number ready.

Retirement solutions

Getting it made easy

Get started

Need to know more or want to start the process? Let us call you back.

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To follow up on this query, please contact us on 087 736 2247

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Call us on 087 736 2247

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*Only applicable to applications submitted via FNB Internal Channels. eBucks is embedded and earn rules apply. Qualifying criteria needs to be met to be eligible for these benefits.
**Main banking rules apply.
***Based on an assessment of your assets and complexity of your estate.
Connect Rewards allocation is based on transactional account type.
Terms, conditions and rules apply. Insured by FirstRand Life Assurance Limited, a Licensed Life Insurer.