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Download the FNB App

Get the FNB App for your smartphone

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How it works

All it takes is one tap. To make a payment in-store, simply tap the back of your smartphone on the card machine. For payments over a certain amount, you'll need to enter your card PIN.


Simply unlock your smartphone with your device passcode (pattern, password, PIN or fingerprint).


Tap your phone on the card machine*. You may need to hold the phone down for a few seconds. *Please note your smartphone must be unlocked for payment to be successful.


Your phone will vibrate once for a successful payment and you will receive a push notifcation. For payments over a certain amount you will need to enter your PIN on the card machine.

How it works

Just grab your smartphone to start:

  • Login to the FNB Banking App
  • Go to 'Payments', then 'FNB Pay' then 'Scan to Pay'
  • Scan the merchant's QR code
  • Select card to pay from and enter amount
  • Confirm the payment

About Scan to Pay

Scan to Pay allows FNB clients with the FNB App to scan a QR code to pay. All you need is the latest version of the app.
Scan to Pay is free of charge and an immediate way to pay. No cash or cards needed - making it extra safe and convenient to use wherever you go.
Just ask the store cashier to present the QR code when it's time to pay.

Scan to Pay FAQs

What is Scan to Pay?

Scan to Pay is a new FNB Pay feature on the FNB App, enabling you to scan any local QR code (FNB, MasterPass, SnapScan, Zapper, Pay@, etc.) presented to you in shop, on POS, on invoice/statement or on website and pay with your FNB cards already in the FNB App.

How do I get access to Scan to Pay?

You need to ensure you have downloaded the FNB Banking App and that your device/phone is verified. Scan to Pay can be accessed via FNB Pay which is under Payments. No need to register, load your card details or to create separate username and password, all is already available all in one place, in the FNB App. For added convenience, the Scan to Pay feature will also soon be available via Android and iOS widgets, enabling you to access the feature directly from your devices lock screen.

How do I pay using Scan to Pay?

Launch the FNB App, Select Payments, authenticate yourself with password or biometrics, select FNB Pay, select Scan to Pay, scan QR Code presented (in shop, on POS, on invoice/statement or on website), enter amount (if not already populated), select card, confirm payment, both you and the merchant/retailer will receive confirmation of the transaction.

Alternatively, once the Scan to Pay Widget is available, all you will need to do is enable the widget before accessing Scan to Pay from your devices lock screen.

Will Scan to Pay work on my phone?

Scan to Pay is not limited to a specific phone type or operating system. Scan to Pay is available on any smartphone that the FNB Banking App is downloaded on.

What is the cost of Scan to Pay?

Scan to Pay is part of the FNB Banking App which is free. Transactions are handled as card transaction and therefore there are no additional fees apply. Doing a transaction will use almost no data, the same as a WhatsApp message.

What are the benefits of Scan to Pay?

Scan to Pay is integrated into the FNB Banking App which makes it both convenient and safe, no need to download another App and part with your card details.

Scan to Pay further enables a cashless lifestyle. Whether you buy coffee, something at a weekend market, or paying a bill, Scan to Pay will work for you.

The FNB Banking App allows you to pay your way;

No need to worry about having cash on you

No need to worry about having multiple Apps for different QR Codes

Fewer Apps occupying your all-important phone storage and using your data

Furthermore, added security features such as App login with password or biometrics make the Scan to Pay feature one of the safest ways to pay.

Where can I use Scan to Pay?

At any local or international merchant/retailer with a QR Code for you to Scan, e.g. FNB, MasterPass, SnapScan, Zapper, Pay@, etc.

Is it safe to pay with Scan to Pay?

Absolutely yes! Scan to Pay can only be used after you have logged into the FNB App with password or biometric.

Will I earn eBucks for Scan to Pay transactions?

Scan to Pay transactions are seen as card transactions and the same eBucks rules and rewards level allocations will apply for these transactions.

Will I be able to use my new card for Scan to Pay?

Yes, all new cards are automatically added to the FNB App and will be available on your list of cards to be selected for Scan to Pay transactions. Your card needs to be allowed for online purchases in order to also be allowed for Scan to Pay transactions.

What should I do if I see a Scan to Pay transaction that was not done by me?

The same process will have to be followed as for any unauthorized card transaction. Please contact the disputes/fraud department immediately. The contact numbers can be found on

What will I need the numbers displayed underneath the QR code image for?

These numbers can be entered in the event that your phone camera is not working or unable to scan the code at that time. A feature allowing for the manual capture of these codes will be introduced later.

Up to what limit can I use for Scan to Pay transactions?

The same limits that apply for card transactions will also apply for Scan to Pay transactions.

What must I do if I get an "invalid QR Code" error?

This means that the QR Code might have been scanned incorrectly. First try to scan the code again. If the error persists, then it is possible that the QR Code may be invalid or one of the very few un-supported QR Codes.


For the cardholder

  • A seamless checkout experience with no capturing of card information, nor the SMS OTP.
  • Card details are secure and never exposed on a 3rd party platform.
  • Payment interaction is via the trusted FNB Banking App, protected by additional layers of security.

For the Merchant

  • Reduced basket abandonment that could have resulted from the customer not having their card information on hand, or not receiving the OTP.
  • The use of all other payment methods and additional value-adding services supported by the FNB Payment Gateway.
  • Avoid PCI implications when initiating payment on the clients behalf (for example, when taking a travel booking telephonically).

How it works

A step-by-step guide for you:

  1. On the merchant website or app, simply select FNB Pay Checkout
  2. You will receive a notification on your FNB Banking App
  3. Open the notification, authenticate yourself and select the card from which to make payment
  4. Select confirm to make the payment
  5. Confirmation of payment will be displayed on the merchant website or app


Where is this available?

Currently FNB Pay Checkout is only available on the eBucks website, however will be extended to other platforms and merchants.

What does it cost?

There are no fees or charges for using the service.

Is it secure?

Yes, FNB Pay Checkout uses the latest technology to secure the transaction and negates the need for capturing sensitive card information. All you need to do is select the card to pay with using the secure FNB Banking App. The resulting transaction is fully 3D Secure compliant ensuring the relevant protections for both the cardholder and merchant.

Info for Merchants

Setup your business for contactless payments

If you already accept credit or debit cards, all you need is an industry standard contactless-enabled point-of-sale (POS) terminal that facilitates retail or forecourt transactions in a merchant environment.


Pay with your smartphone and app
- the fastest way to pay.

The most convenient way to pay with

Tap to Pay

Make your next payment seamless, contactless, cardless and cashless with FNB Pay. #JustTap your Android smartphone to conveniently and securely pay on the go.


Get started

Buy your device from FNB Connect or the eBucks shop.

How it works


Info for Merchants

It's safe and secure

Leave your cash and cards behind. Eliminate the risk and just tap your device wherever you are. With safety we're talking tokenisation, passcodes and PINs. No wonder it's super secure to tap your device to pay.


The most convenient way to pay with

Scan to Pay

Pay from your smartphone using the FNB App to scan a QR code to pay.

Shop seamlessly with


Enables you to make secure and frictionless online payments.


Getting it made easy


How to get it

Download now

Other ways to apply

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