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Download the FNB Banking App

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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.

To help you keep better track of your spend and know where your money goes, your spend will be automatically sorted into categories such as groceries, medical, municipal and levies, fuel, etc.

You can also set limits and alerts for each category. Not only will this help you manage your spend more easily, but it will also ensure that you don't overspend.

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).

Smart budget


The key to managing your money well and staying on top of your spend is setting a budget and sticking to it.

The smart budget tool automatically tracks and sorts your spend so that you're always in control of it:

  • Set budgets and alerts for each category of spend
  • Add as many categories as you need, such as groceries, transport, cafes & treats, and more
  • Smart alerts let you know when your spending patterns indicate that you will overspend for a category in that month
  • Fixed alerts let you know when you've reached your spend limit, with the option to set alerts for 50%, 70% and 90% of your budget
  • Overspend alerts will let you know if you've spent more than usual on fixed payments such as rent and bank fees

To get you started and help make it easier, you can set multiple budgets and alerts all at once based on your current average spend.

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.

Reach your target with a savings goal


Use this nifty tool on the Banking App to start saving for that special event, alterations to your home, a much needed holiday for the family and much more. Starting today, your savings goal will enable you to manage and monitor the progress so you can realise your dream in your own time.

How to set up a savings goal

Once logged into your profile, you can set up a goal based on a current need, set up a monthly scheduled transfer and thereafter control the journey with smart notifications and reminders.

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nav-igating money management


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, save smart and more. Find us on the FNB App.

Helping you


Get financially fit with savings goals

Set and track multiple goals, but don't sweat about doing it all alone. Keep your savings in shape with smart reminders and notifications.

 

nav» Money tools


Track my spend

Keeping tabs on your monthly expenses

Read more

Smart budget

Learn to manage your money well with the smart budget tool that makes it easy

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

Savings goals

Start saving for a special event

Read more

Getting it made easy


nav» Money

How to get it

Download now

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