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Financial planning

Overview

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Use at ATMs

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.

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Qualifying Criteria

  1. South African citizen

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Documents needed

  • 3 signatories are required to open the Stokvel Account
  • Identification document (South African ID book/card for each signatory)
  • Proof of residence for each signatory on the account
  • Group's Constitution detailing the nature of their operation

Please visit your nearest FNB branch to open your Stokvel account

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With the Stokvel Account

  • All members can get funeral cover at discounted premiums through the Stokvel Group Funeral Plan
  • All Stokvel members can view account balances, view account statements and recieve inContact SMSs
  • All Stokvel members can do cardless cash deposits at FNB ATMs for free
  • All Stokvel members can deposit funds via EFT
  • Signatories can invite members to your Stokvel
  • Signatories can edit or delete members from Stokvel
  • Signatories can payout directly to their members' chosen accounts
  • Signatories can approve pay-outs , as well as instructions to edit or delete members

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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.


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Benefits

  • All members can view Stokvel account via FNB App, Online Banking and Cellphone Banking
  • All payouts must be approved by atleast 2 signatories for complete security
  • Grow your savings through a competitive interest rate
  • No need for cash handling during deposits or pay-outs

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inContact

A free electronic messaging system sending transaction notifications to your smartphone.

inContact offers you the ability to:

  1. Identify any unauthorised transactions on your accounts and report fraud immediately.
  2. Receive messages for transactions on accounts that belong to you only.
  3. Set your desired amount from as little as 1 cent and get notifications on the FNB App of money going in and out of your account.
  4. Manage the funds in your accounts.
  5. Receive messages with details of your multiple debits that are processed overnight, e.g. 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 you access via a link or mandate. You can register for this service at any FNB branch.


Decline inContact messages are an innovative and convenient method of advising customers of why their transactions have been declined. These messages are identical to normal inContact notifications and this service is also free.


Terms , conditions and rules apply.

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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.

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Earn interest

It's like getting money for nothing.

By simply having money in your account, you will earn interest on it.
Want to make your money grow?

Then make sure you give it some time to earn interest.

And if you wait even longer, you'll start earning interest ON interest.

Terms, conditions and rules apply.

Stokvel Account

Helping you reach your Stokvel goals together

View our pricing guide for more details.

What you get

A savings account for a group of individuals

What's hot

Transparency

All members can view balances and transactions digitally



Security

All pay-outs must be approved by atleast 2 signatories



Growth

Grow your savings through a competitive interest rate



Convenience

No cash handling risk, no need to visit branch



Applying made easy

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Documents needed

Stokvel Pricing guide

First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).