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Bank Digitally


  • You can login into any of the Digital Channels to check your account statements on an ongoing basis and question any transaction that you are unaware of.
  • Statements not older than 3 months are free and can be obtained via FNB Online Banking, Cellphone Banking and the FNB Banking App
  • Request information from the third party (e.g. company/service provider) if you see a transaction that you are unaware of
  • Only provide your account details to a third party (e.g. company/service provider) if you are certain that it is a valid request and once you are sure you want the product or service being offered.
  • Confirm the reference description that will be on your statement once a debit order starts going off as the description on your statement may not always create a clear link to the third party (e.g. company/service provider) or products you've signed up for.
  • Please double check debit orders before disputing and stopping these as the stopping of debit orders lead to the lapsing of any agreement between the third party (e.g. company/service provider) and the customer and could result in financial losses.

Stop Payment FAQ's


What is a Stop Payment?

A stop payment is an instruction given by you to FNB to stop a future debit order from being processed against your FNB account.



What is the difference between a stop payment and a stop order?

A stop order is recurring payment instruction to pay someone while a stop payment is an instruction to prevent a debit order from being processed



When can I place a stop payment?

You must place a stop payment at least 5 business days before the debit order action (payment) date. If the debit order was not stopped at least 5 business days before it was scheduled to go off your account, it may still be processed. In that case, the request to stop a debit order will be effective from the following month.



For how long is the stop payment valid?

Stop payments are only valid for 12 months. You must contact the creditor/ service provider to ensure the Debit Order is cancelled. If the Debit Order is not cancelled with the creditor/service provider it may be reinstated and processed after the 12month period



Will I be charged a fee for stopping a debit order?

FNB may charge you fees for the stop payment instruction, even if the stop payment instruction was not successful. Visit www.fnb.co.za to view FNB's latest pricing guide.



What can happen if I stop a valid debit order?

If you stop a payment, you may be in breach if there is a valid contract between you and your creditor/service provider. This could have a negative impact on your credit rating and future credit applications. FNB is not responsible for any losses that may arise as a result of the stopped payment or you providing FNB with incorrect information



Am I able to cancel a stop payment?

Yes, you can call the number at the back of your card or visit your nearest branch.



What does it mean to stop a debit order based on an amount range?

If you stop a debit order with a amount range (e.g. R1 - R1000). All debit orders from the same service provider within the amount range you select will be stopped. It is important to note that if a debit order is stopped based on an amount range, no new debit orders from the company/service provider using that specified abbreviated name e.g. the first 10 characters on your reference (including valid debit orders) will be processed through your account for a period of up to 12 months. If a stop payment is placed and the creditor/service provider changes any details pertaining to the debit order, for example, the abbreviated name, the first 10 characters on your reference or if the amount is different from the one you specified the debit order will go through. Should you sign up for another debit order with the company, please ensure the stop payment is deleted by calling the number on the back of your card.



Debit Order FAQ's


What is a debit order?

When permission is given by the accountholder to a third party (e.g. company/service provider) to collect money from your bank account by giving such person a written, telephonic or electronic mandate to do so. Debit orders are payment instructions used for the monthly collection of premiums for a set date on investment policies, subscriptions, etc.

Under what circumstances can I dispute a debit order against my account?

You can dispute a debit against your account for the following reasons: You did not authorise the debit order, this could be due to an act of fraud. The debit order is in contravention of your authority, this means either the amount or date is incorrect. You have previously instructed the third party (e.g. company/service provider) to cancel the debit order. The debit order was previously stopped.



Why would a debit order be unauthorised?

An unauthorised debit order is one that has gone off an account without a valid agreement between you and the third party (e.g. company/service provider) that submitted the debit order. If an unauthorised debit order has gone off your account you can dispute(reverse) the debit order and thereafter, place a stop payment on that debit order to prevent the company/service provider from collecting from your account in future.



Are unauthorised debit orders a problem that only affects FNB customers ?

No, customers at all banks are affected by unauthorised debit orders.



How were my banking details obtained?

You may have unknowingly provided the details to the company; for example, you thought that you were completing a quote for a product or you may have captured your banking details on a company's website. The third party (e.g. company/service provider) may have made an error. For example, the company/service provider may have captured an account number incorrectly or may not have updated their systems before processing the debit orders.



Why am I unable to dispute/reverse a debit order that is not older than 40 days for an amount of R200 or less?

If you are unable to reverse a debit order this means that you have entered an agreement with the company/service provider and you may have authenticated yourself using your card and pin or the debit order was in line with what you had authenticated via your preferred channel. In this case, you would have to contact the company/service provider directly to query the debit order.

What can happen if I dispute a valid debit order?

If you dispute a debit order, you may be in breach if there is a valid contract between you and your creditor/service provider. This could have a negative impact on your credit rating and future credit applications. FNB is not responsible for any losses that may arise because of the disputed debit order or you providing FNB with incorrect information. FNB is not a party to the contract between you and the creditor/service provider. As your bank, it is important that FNB process any debits in compliance with Payments Association of South Africa.



Will I be charged a fee for disputing a debit order?

FNB may charge you a fee for the dispute instruction, even if the dispute instruction was not successful. Visit www.fnb.co.za and view FNB's latest pricing guide.



How can I dispute/reverse a debit order?

  • You can dispute any debit order for an amount of R200 or less on the app, Online Banking and Cellphone Banking. Please note that if you dispute a debit order within 40 calendar days the money will be reversed into your account immediately.
  • You can dispute a debit order not older than 40 days for any amount through the following channels:
  • Branch
  • Telephone Banking by calling the number on the back of your card, or contact your Private Banker.


Am I able to dispute a debit order older than 40 days for any amount?

Yes, you can dispute a debit order older than 40 days at any FNB branch or via Telephone Banking by calling the number on the back of your card. Please note the outcome of your dispute will be communicated to you within 40 business days from the date of submitting your request. This time is needed to check the completeness of the dispute form and source, and if there is a valid agreement between you and the company/service provider.



Dispute Banking App


Dispute Cellphone banking


Dispute Online


Stop Cellphone Banking


Stop Debit Order Banking App


Stop Debit Order Online


Stop Payments and Debit Orders


Reverse or stop unauthorised debit orders immediately


Protect your money. With FNB you have the power to reverse and/or stop unauthorised debit orders any time, anywhere using our digital banking
platforms. There's no need for you to deal with unnecessary paperwork or go into a branch, you can do it via the Banking App, Online Banking and
Cellphone Banking. Soon you will be able to confirm new debit orders before they are processed. To find out more, visit www.debicheck.co.za


Debit Order & Stop Payment FAQ's


Stop Payment FAQ's
Debit Order FAQ's

Debit Order FAQ's

  • What is a debit order?
  • Under what circumstances can I dispute a debit order against my account?
  • Why would a debit order be unauthorised?
  • Are unauthorised debit orders a problem that only affects FNB customers ?
  • How were my banking details obtained?
  • Why am I unable to dispute/reverse a debit order that is not older than 40 days for an amount of R200 or less ?
  • What happens if I dispute a valid debit order?
  • Will I be charged a fee for disputing a debit order
  • How can I dispute/reverse a debit order?
  • Am I able to dispute a Debit Order older than 40 days for any amount?

Stop Payment FAQ's

  • What is a Stop Payment?
  • What is the difference between a stop payment and a stop order?
  • When can I place a stop payment?
  • For how long is the stop payment valid?
  • Will I be charged a fee for stopping a debit order?
  • What can happen if I stop a valid debit order?
  • Am I able to cancel a stop payment?
  • What does it mean to stop a debit order based on an amount range?

What's hot


Stay alert + in control

Keep track of your debit orders, receive SMS notifications for new debit orders and stop or reverse any unauthorised
debit orders at no extra cost.

Be alerted

You receive inContact SMS notifications for all new debit orders.



Be in control

You can conveniently stop/reverse unauthorised debit orders any time, anywhere.



Get it instantly

Receive immediate reversal on unauthorised debit orders when you dispute within 40 days of the transaction.



Bank Digitally

You can login to any Digital Channels to check your account statements

Read more

How it works


Watch + learn

 


Stopping a debit order is easy to manage on any of our
digital banking platforms



Stop Cellphone Banking
Stop Debit Order Banking App
Stop Debit Order Online

Disputing a debit order is really simple on any of our
digital banking platforms



Dispute Banking App
Dispute Cellphone banking
Dispute Online