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Track my spend


Are you living within your budget?

Managing your cash starts with spending less than you earn. It's the most important money discipline and the only way to work towards a healthy financial future.

If you've lost control of your money, it's necessary to:

  • Review your expenses
  • Distinguish between needs and wants
  • Cut back on expensive luxuries (until you're back on track).

My available funds


What's left to spend or save after all known debts are paid. A quick glance reveals if you have enough funds to make it until the next deposit into your account.

Based on your known debits, we calculate if you are in an 'Available Cash', 'Running Low' or 'Shortfall' situation. Don't panic if you're in a 'Shortfall'. Tough months can happen and we've got your back. Check out our 'help me make it' functions for available options to manage your cash flow.

My credit status


We assess various data, including credit bureau info, to rate your credit fitness across seven indicators. This credit risk scale impacts your financial future so it is good to understand your strengths and weaknesses.

With some analysis revealing a two-year history, your credit fitness is not a quick-fix. It's why positive credit behaviour is so important.

Note. Your scale rating reflects credit behaviour only and is not an indication of a response to a credit request.

nav-igate money


Meet nav» Money, a digital solution offering smart tools to track your money, understand if you will make it for the month, view your credit status and more. Find us in the FNB App.

nav» Money tools


Track my spend

Keeping tabs on your monthly expenses

Read more

My available funds

What's left to spend or save after all known debits are paid

Read more

My credit status

A general overview of your payment history and financial behaviour

Read more

Getting it made easy


nav» Money

How to get it

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