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Smart Save Account


Keep the savings dream alive

Savings account for individuals over the age of 55 who wish to keep a manual record of savings.

View our pricing guide for more details.

What you get


Keep manual records of savings

 

With the Smart Save Account, you can

  • Withdraw cash in an FNB branch
  • Make deposits using an FNB ATM Advance
  • Make inter-account transfers
  • Access savings immediately

Benefits

  • Earn better interest rates
  • Get 10 free transactions if you keep minimum R5 000 in your account

What's hot


inContact

Free notification messaging service

Read more

Deposit at ATM

Deposit cash when you need to

Read more

Free balance enquiry

Check your financial health for free

Read more

Email statements

Free statements emailed every month

Read more

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.

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.

Free balance enquiry


Want to find out if you have enough?

Check your financial health for free.

Simply view your balance without worrying about incurring any fees.
No charge, no stress.

Terms, conditions and rules apply.

Email statements


Get your statements emailed for free promptly, consistently and securely every month.

With email statements, you get your statements faster than paper statements. You can download, save and print your statements. FNB has also installed security measures to protect your information.

This is a free service which can easily be activated from your Online Banking profile in 4 easy steps.

  1. Once logged in, select My Bank Accounts, then Menu and then Email Statements under Statements.
  2. Select the appropriate account/s of which you require the statements to be delivered to you via email.
  3. Enter the primary email address to which you'd like the statements to be sent .
  4. Select the formats you would prefer to receive your statements in - plain text (CSV), PDF or both (account dependent).

What email statements offer me

  • Easy to store - you can keep the email statements safely on your PC until they are required.
  • Easy to file - it is easier to file an electronic statement than a paper statement.
  • More secure - email statements are more secure than paper statements as paper statements. can be lost in the post. The statement is encrypted and cannot be tampered with.

Terms, conditions and rules apply.

Applying made easy


Smart Save Account

Qualifying criteria

  1. Individuals over 55
  2. South African citizen

Ways to apply

Call me back

Other ways to apply

Contact us

Find a branch

Documents needed

  • South African ID book/ID card
  • Proof of residence (water, lights or telephone bill not older than 3 months)