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Linked Savings Pocket


Turn your cents into rands
The Linked Savings Pocket is a free, interest-earning savings account that is linked to your transactional account or cheque account - while earning an excellent interest rate at the same time. This way, you can start saving for the things you want.

With your Linked Savings Pocket, you also have the option to Bank Your Change® every time you swipe. That's where we round your card purchase up to the nearest rand and transfer the difference between your purchase amount and that amount into your Linked Savings Pocket. This means that you save every time your swipe.

We take your saving seriously.


Rates

Amount Interest (per annum)
R1 - R9 999 5.50%
R10 000 - R19 999 5.50%
R20 000 - R49 999 2.50%
R50 000 - R9 999 3.00%
R100 000+ 3.50%

How do I save with a Linked Savings Pocket?

  • You earn interest on the money in your Linked Savings Pocket.
  • If you have activated Bank Your Change®, your Bank Your Change® savings get transferred automatically into your Linked Savings Pocket at no cost, giving you a bigger base from which to earn interest.

Bank Your Change® allows you to save even faster. You can select a top-up amount (R2, R5, R10, R20 or R50) and each time you swipe, that amount gets transferred from your transactional account into your Linked Savings Pocket. You can also set scheduled transfers into your Linked Savings Pocket to help you save regularly.

You enjoy the flexibility of saving extra whenever your budget allows.


What are the benefits of a Linked Savings Pocket?

  • It's a free account. No fees are charged on your Linked Savings Pocket.
  • You earn interest on your Linked Savings pocket. (Interest* is tiered and varies from sub-product to sub-product.)
  • You get to make free transfers into and out of your Linked Savings Pocket.**

* Credit interest rates are available on www.fnb.co.za under the 'Rates & Pricing' tab.

** The only transactions allowed on the Savings Pocket are transfers to and from your linked accounts.


Terms, conditions + rules apply

Free Bank Your Change®


Bank Your Change® helps you save money as you spend it. Bank Your Change® is where we round each transactional account card purchase value up to the nearest rand and transfer the difference between your purchase amount and that amount into your Linked Savings Pocket. It's free to activate and is free of fees.

You can save faster by choosing a top-up amount of R2, R5, R10, R20 or R50. Each swipe adds that amount from your transactional account to the cents you've saved on purchases, into your Linked Savings Pocket.

Sound good to you?

To start saving now, call 0860 327 827 .

Terms, conditions + rules apply.


How does Bank Your Change® work?

How do I access my savings?

  • Get immediate access to your savings at no fee.
  • Simply transfer funds to your transactional account via Cellphone Banking, Online Banking, the FNB Banking App or in-branch.

How do I get it?

Free Cash@Till® withdrawals


What are Cash@Till® withdrawals?

Cash@Till® is a cash withdrawal service that FNB offers to all customers with a transactional account. With Cash@Till®, you can withdraw cash at Checkers & Shoprite, Pick n Pay, Boxer, PEP and selected Spar and Usave stores. Just swipe your card for the value you want to withdraw.

Why use Cash@Till® to withdrawal?

  • It's free of fees.
  • It's convenient. There's no need to find an ATM. You can withdraw cash when you're paying for your shopping.
  • It's safer than withdrawing money at an ATM

How to withdraw using Cash@Till®?

Withdrawing cash at retailer till points is easy. When you're paying for your goods, just tell the cashier that you would like to withdraw cash and they will add the withdrawal amount to your total. The cashier will charge this to your card and hand you your cash.

Contactless Card


What this is:

When you tap your card on the Contactless reader, your card information is transmitted and your purchase can be processed. It's safe, simple and fast.

Contactless cards are:

  • Simple: it's easy to use - simply tap and pay
  • Secure: it's completely secure - your FNB Contactless Card is just as secure as another chip and PIN card that carries mulitple layers of security
  • Total control: You have total control of the transaction and your money because your card never leaves your hand.
  • Quick + easy: Contactless payments are up to 4 times faster than normal card payments which means spending less time in queues.

How to do it

  • Step 1: Look out for the Contactless symbol in-store and on the point-of-sale device.
  • Step 2: Once the cashier has tallied up your purchases and you are ready to pay, tap your card on the terminal.
  • Step 3: The transaction is complete when the green light displays. (Note: Some merchants have waived the need for a signature, others may ask you to sign the till receipt)

Where to use it

Your FNB Contactless Card is accepted at merchants locally and internationally displaying the Contactless symbol.

As an additional security feature, the first time you use your FNB Contactless Card you will be asked to insert your PIN. Transactions under R200 at a Contactless enabled retailer will no longer require a PIN.

Exclusive Visa offers


A Visa Card is your perfect companion. Get more out of life - whether you're travelling or at home.

Your Visa card offers an excellent selection of opportunities including:

  • travel
  • dining
  • shopping
  • lifestyle

Travelling has never been this convenient. Use your FNB Card at any terminal displaying the Visa logo.


No matter where you are in the world, Visa ensures that you can:

  • access your cash
  • get lost/stolen card replacement within 24-48 hours
  • access international support networks for medical emergencies

While on your travels, should you have a medical emergency or your card is lost or stolen, you have access to an international support network to assist you.


For mor, visit www.visa.co.za


Terms, conditions + rules apply.

Additional cards


Did you know that you can link additional cheque cards to your account? This gives you transactional flexibility and it is ideal for a spouse or children of 18 years and older.

How do I get this?

  1. Log in to Online Banking
  2. Select the My Bank Accounts tab
  3. Click on My Cards sub tab
  4. Click Menu
  5. Click Additional Card
  6. Select an account and follow the instructions.

Terms conditions + rules apply.

For more, call 087 575 0000

How do I save with a Linked Savings Pocket?


  • You earn interest on the money in your Linked Savings Pocket
  • If you have activated Bank Your Change®, your Bank Your Change® savings get transferred automatically into your Linked Savings Pocket at no cost, giving you a bigger base from which to earn interest.

Bank Your Change® allows you to save even faster. You can select a top-up amount (R2, R5, R10, R20 or R50) and each time you swipe, that amount get transferred from your transactional account into your Linked Savings Pocket.

  • You can also set scheduled transfers into your Linked Savings Pocket to help you save regularly.
  • You enjoy the flexibility of saving extra whenever your budget allows.

What are the benefits of a Linked Savings Pocket


  • It's a free account. No fees are charged on your Linked Savings Pocket.
  • You earn interest on your Linked Savings Pocket (Interest* Is tiered and varies from sub-product to sub-product)
  • You get to make free transfers into and out of your Linked Savings Pocket**

*Credit interest rates are available on www.fnb.co.za under the 'Rates & Pricing' tab.
**The only transactions allowed on the Savings Pocket are transfers to ad from your linked accounts

Zimbabwe Money Transfer


Send money to anyone in Zimbabwe using FNB Cellphone Banking following these easy steps:

  1. Dial *120*321#
  2. Enter your 5 digit PIN
  3. Select Send Money
  4. Select Zimbabwe
  5. Select the account you wish to send money from
  6. Key in the first 8 numbers of your recipient's Zimbabwean ID number
  7. Key in your recipient's Zimbabwean cellphone number
  8. Key in the amount in rands you wish to send
  9. Confirm transaction details and accept Terms of Use
  10. You will receive an SMS/email that confirms:
    1. Recipient's ID number
    2. Transfer amount
    3. Voucher reference number
  11. Communicate voucher details to the recipient

Note: Collect at participating OK stores.

Download the pricing guide

Easy Account on Bundle Pricing Option at R49p.m.*


Get the following free with your Easy Account Bundle Pricing:

  • 4 Free FNB ATM cash withdrawals p.m. Includes Cardless Cash and Slimline withdrawals.
  • Free cash deposits at an FNB ATM up to R4 000 p.m.
  • A combination of 10 free electronic transactions (Payments, External Debit Orders and Prepaid Airtime)
  • Checkers & Shoprite coupons on your FNB Banking App
  • Get rewarded with Money to Save

Easy Account Pay As You Use Pricing Option at R4.95*


If your transactions vary on a month-to-month basis and you do a combination of electronic and branch transactions, then the Easy Account Pay As You Use Pricing Option is just for you. You pay a low monthly account fee of R4.95 and thereafter you pay for each transaction you do.

Mozambique Money Transfer


Send money to anyone in Zimbabwe using FNB Cellphone Banking following these easy steps:

  1. Dial *120*321#
  2. Enter your 5 digit PIN
  3. Select Send Money
  4. Select Mozambique
  5. Select the account you wish to send money from
  6. Key in your recipient's Mozambican cellphone number
  7. Key in the amount in rands you wish to send
  8. Key in any 4-digit transfer code (numbers only)
  9. Confirm transaction details and accept Terms of Use
  10. You will receive an SMS/email that confirms:
    1. Transfer code
    2. Transfer amount
    3. Communicate voucher details to the recipient
  11. Communicate voucher details to the recipient

Note: Collect at any FNB Mozambique branch.

Download the pricing guide

MoneyGram™


Send money anywhere for FREE, using MoneyGram™ on FNB Cellphone Banking.

Send money to over 200 countires worldwide within minutes anywhere for FREE, using MoneyGram™ on FNB Cellphone Banking. With MoneyGram™ from FNB it's easier than ever to send money to other African countries and abroad. It's safe, fast and available to anyone with an FNB account. Just load your beneficiary in-branch and do your MoneyGram™ transactions on your Cellphone anytime, anywhere. to qualify for this special offer.

Steps

  • Dial *120*321#
  • Enter your 5-digit PIN
  • Select Banking
  • Select Payments
  • Select 'MoneyGram™'

For residents

  • Select 1 - to send a gift

For foreign nationals

  • Select 1 - to send a gift
  • Select 2 - to send a salary

Sending money with MoneyGram™ via Cellphone Banking

  • select your recipient's details
  • follow the prompts to complete the transaction

How to register a recipient

Go to your nearest FNB branch

Note: MoneyGram™ can be sent to over 200 countries and regions worldwide. MoneyGram™ cannot be used to send money within South Africa or to the Common Monetary Areas (Namibia, Lesotho, Swaziland). Send transactions via cellphone cannot be done to Canada, USA, Nigeria, Mexico or Puerto Rico.

Download the pricing guide

Pay2Cell (Lesotho + Swaziland)


Send money to anyone in Lesotho or Swaziland using FNB Cellphone Banking following these easy steps:

  • Dial *120*321#
  • Enter your 5 digit PIN
  • Select Banking
  • Select Pay2Cell
  • Select Lesotho or Swaziland
  • Key in your recipient's cellphone number
  • Key in the amount in rands you wish to send
  • Confirm transaction details

Note: Recipients must have an active FNB Lesotho or FNB Swaziland account.

Download the pricing guide

Linked Savings Pocket: Easy


Amount Interest (per annum)
R1 - R9 999 5.50%
R10 000 - R19 999 5.50%
R20 000 - R49 999 2.50%
R50 000 - R99 999 3.00%
R100 000+ 3.50%

Day-to-day banking

Easy Account

16+ years and no minimum income required

An FNB Easy Account offers you banking that's easy to understand, easy to use and easy on your pocket.

This means you could have the value for money, everyday kind of bank account.

 

FNB rewards you with Money to Save


  • On both the Easy Account Pay As You Use and Bundle Pricing Option, you can now earn rewards.
  • You will receive money back into your free Linked Savings Pocket.
  • You will be rewarded with a fixed amount of money every month and that amount increases as your reward level increases
  • FNB Easy Account (Bundle Pricing Option) will also earn between R1 and R5 back for every R100 spent on their qualifying Checkers and Shoprite purchases.

For more information visit eBucks Rewards

Linked Savings Pocket


Turn your cents into rands

 

The Linked Savings Pocket is a free, interest-earning savings account that is linked to your transactional account or cheque account − while earning an excellent interest rate at the same time. This way, you can start saving for the things you want.

You also have the option to Bank Your Change® every time you swipe. That's where we round your card purchase up to the nearest rand and transfer the difference into your Linked Savings Pocket. This means that you save every time you swipe.

 
 

 

Revolving Loan


A revolving loan is a line of credit that is payable in fixed monthly installments. The product is unique in that once 15% of the loan has been repaid; you can borrow again - up to your original amount.

  • No initiation fees
  • Fixed monthly repayments - making it easier for you to budget
  • It's a continuous line of credit and is available to you for as long as you need it
  • The ability to access the funds at any time, provided that you have paid up to 15% of the revolving loan
  • You get a competitive and affordable, personalised interest rate
  • Optional Debt Protection available in case of your death, permanent disability, retrenchment or temporary disability

Temporary Loan


A Temporary Loan is a short-term, easy to take up loan which is available for use immediately.

  • Immediate access to funds to cater for emergencies and cash-flow constraints.
  • No applications forms to complete, and no waiting time.
  • The funds are immediately available in your transactional account.
  • No interest will be charged for the temporary loan.
  • Enjoy convenience: Any deposits made into your FNB transactional account from the day after taking up the loan may be allocated towards the payment of the loan.
  • You may qualify for additional eBucks

Cross-border payments


Send up to R3 000 using Cellphone Banking

Zimbabwe Money Transfer

Send money to anyone in Zimbabwe.

Read more

Mozambique Money Transfer

Send money to anyone in Mozambique.

Read more

MoneyGram™

Send money to anyone, anywhere.

Read more

Pay2Cell (Lesotho + Swaziland)

Send money to anyone in Lesotho or Swaziland.

Read more

Account features


What's hot

eWallet

Allows anyone to send money to anyone with a valid South African Cellphone number.

Read more

Free cash withdrawal

Cash@Till® allows you to use your Cheque Card to withdraw cash at specic till points.

Read more

Linked Savings Pocket

Save easily and conveniently with no added fees. The Linked Savings Pocket is linked to your account.



Free Bank your Change®

Automatically save your 'left over' cents when you swipe your FNB Cheque or debit card.

Read more

Access to eWallet


Send money to anyone with a South African cellphone number.

At the touch of a button you can transfer and withdraw cash instantly.

With eWallet from FNB, you use your cellphone to send money and an ATM to withdraw money. Money is transferred instantly and can be withdrawn at any FNB ATM and selected retailers.

Recipients do not need an FNB bank account and any GSM cellphone can be used.

You can send money at any time via Cellphone Banking, FNB Online Banking, the FNB Banking App or an FNB ATM.

Terms, conditions and rules apply.

Linked Savings Account (Savings Pocket)


Put money away and earn interest on money saved.

A Linked Savings Account is linked to your account to keep your savings separate from your transactional account.

Earn competitive interest on a positive balance in your linked Linked Savings Account. Save easily and conveniently with no added fees.

To activate the Linked Savings Account on your account call 0860 32 78 27

Terms, Conditions and Rules apply.

Use at ATMs


Get access to cash whenever you need it*.

All FNB debit, credit and cheque 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 and cheque deposits.

  • Funds from cash deposits are available immediately
  • Funds from cheque deposits are available after clearance

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.

Hassle-free salary + debit order switching


Switch debit orders free of charge with a dedicated team to help you. Download the switching form


Debit order Disputes

If you have a debit order that you know you did not sign up for, you can dispute it in a few easy steps. You have the power to reverse and/or stop unauthorised debit orders for amounts of R200 or less anytime, anywhere via the FNB Banking App, Cellphone Banking or Online Banking. You will receive immediate reversal on an unauthorised debit order if you dispute it within 40 days of the transaction.


If you have an unauthorised debit order for an amount greater than R200 and would like to dispute it, you can call 087 575 9404 or visit your nearest branch for assistance.


Terms, conditions + rules apply


Salary Switching
It's easy to get your salary paid into your Gold Cheque Account. Having a minimum monthly deposit of R5 500 into your Gold Cheque Account also gets you straight onto reward level 1 with eBucks Rewards.


All you need to do to have your salary paid into your account is this:

  1. Download the switching form
  2. Complete the Switch my Salary section of the switching form.

From there, we'll contact your employer and instruct them to switch your salary to your FNB account.


For more, contact 0860 102 970 or email debitorders@fnb.co.za


Terms, conditions and rules apply

Additional cards


Did you know that you can link additional cheque cards to your account? This gives you transactional flexibility and it is ideal for a spouse or children of 18 years and older.

How do I get this?

  1. Log in to Online Banking
  2. Select the My Bank Accounts tab
  3. Click on My Cards sub tab
  4. Click Menu
  5. Click Additional Card
  6. Select an account and follow the instructions.

Terms conditions + rules apply.

For more, call 087 575 0000

Use your card abroad


Use your FNB card at any terminal displaying the Visa logo

Travelling has never been this convenient.

Wherever you go in the world, Visa ensures that you can access your cash to buy gifts, access services, enjoy leisure activities and more.

Terms, conditions and rules apply.

inContact


inContact s FNB's transaction notification service that gets sent to your cellphone. With inContact, you can keep track of amounts higher than R100 going in and out of your account, for free.

inContact offers you the ability to:

  1. Identify any unauthorised transactions on your accounts.
  2. Receive messages for transactions on accounts that belong to you only.
  3. Get notifications from 1 cent on the FNB App by selecting your desired amount accordingly.
  4. Manage the funds in your accounts.
  5. Receive messages with details of your multiple debits that are processed overnight i.e. 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 which you access via a link or mandate.

You can register for this service at any FNB branch via Online Banking or by calling 087 575 9404.


Decline inContact messages are an innovative and convenient method of advising customers of why their transactions are 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 credit card.

Report a lost or stolen card within 24 hours of the incident to the 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 canceled.

Lost Card Protection may not apply if it is determined that you were careless in protecting your card or PIN.

In the event of your card being 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.

Online Secure is a free service and can easily be activated from your Online Banking profile.


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

SA's Best Digital Bank*


Easy puts you in control

Whether you prefer to bank on your phone, online, at an ATM or in a branch, we've got you covered. You'll also have access to SA's Best Digital Bank* through FNB's award winning app and online banking solutions.

*As voted by SACsi Survey 2015 and Culminate Internet Banking SITEisfaction Survey

 

FNB Banking App


Bank on the go safely and securely with the FNB Banking App. As a registered Online Banking user, you can access the FNB Banking App. Using the free FNB Banking App, you pay no data fees.


Do your day-to-day banking:

  • View detailed balances and transactions
  • Transfer funds between accounts
  • Stop/reverse debit orders on Mobile and eChannels
  • Get notifications from 1 cent
  • Make payments
  • Make Cardless Cash withdrawals


You can also buy:

  • Prepaid Airtime
  • Data Bundles
  • SMS Bundles
  • Prepaid electricity
  • iTunes

You can use Connect to:

  • Make calls to FNB call centres
  • Make calls and send messages on the App


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: fnbappsupport@fnb.co.za 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.

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. Plus, you can do:


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.

Applying made easy


Ready to bank the Easy way?

Ways to apply

Apply now!

Other ways to apply

Complete the call me back form

Contact us

Find a branch

Find an ATM