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Make money moves. Easily track your auto-categorised spend, set smart budget alerts, view your free credit status, set saving goals, get an auto snapshot of your net worth, and so much more.

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All you need to manage your money.

Smart budget

Take control of your spend with budget categories to choose from, track your total budget versus money-out, and set smart alerts at 50%, 70% or 90% of your limit. Once logged into your banking profile, tap 'nav-igate life', then 'nav» Money', then 'Smart budget' and set up your smart budget.

My available funds

Know what's left to save and spend for the month after upcoming payments, with a projection of whether you have enough before your next deposit and options to manage your cash flow.

My credit status

Rate your credit fitness across seven indicators based on credit bureau data, with personalised tips, your likelihood to qualify for credit and credit offers. This tool helps you manage your credit and impacts your financial future, so it is good to understand your strengths and weaknesses. Your credit behaviour is assessed over two years therefore not a quick fix.

Savings goals

Save for an emergency, improvements to your home, a much-needed holiday for the family and much more. Set up, manage and track savings goals with categories to choose from and a monthly scheduled transfer you can pause anytime. You can even invite family and friends to contribute.

My net worth

Get an auto-populated view of what you own minus what you owe, add your own investments and assets to complete the picture, and get tips to grow your net worth.

Will and legacy planning

Draft your Will on the FNB App and get a personalised estate calculation to see if what you leave behind will be enough to support the ones you love.

Money Coach

Welcome to your smart money guide.

Personalised money scores

Get your personalised money scores which help you understand how well you are doing on your financial wellness journey.

Learn and grow

Learn with easy-to-understand podcasts, quick tips and quizzes, all to help you set and reach your money goals.

Nine missions to complete

Spend less than I earn, manage my debt, save for an emergency, protect my family, protect my income, manage my assets, provide for my retirement, provide for education, for me.

Download the FNB App to get started

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