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Financial planning


Download the FNB Banking App

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.

Ways to add Scan to Pay on your phone for added
convenience and faster payments:

Set up Scan to Pay widget


(To access this screen, unlock your device and swipe to the right)

  1. On your device's "Today Screen/Widget Screen", scroll to the bottom and select "Edit".
  2. Add the "Scan to Pay" widget, position it towards the top of the list and select "Done".
  3. Select the newly added Scan to Pay widget and follow the prompts to set it up.
  4. Once successfully set up, you can select "Close" on the "Success Screen".
  5. When ready to make a payment, access your "Today Screen/Widget Screen" and select the Scan to Pay widget.
  6. The FNB App will launch, log in and scan the QR Code.


(To access this screen, hold down onto an empty space on your home screen and access the "FNB App" in the widget menu)

  1. From your device's "Widget Home Screen" select the "FNB App" widget.
  2. The FNB App will automatically open, select "Scan to Pay".
  3. The successful widget setup confirmation screen will be displayed.
  4. Select "close".
  5. When you are ready to make a payment, select "Scan to Pay" from your device home screen.
  6. Log into the FNB App and scan the QR Code.

Set up Scan to Pay shortcut on your smartphone

Please note this is only applicable for Android devices

Step 1:
Hold/press down on the FNB App icon on your device.

  • The following shortcuts will be displayed: Balances, Payments, Buy, Transfers and Scan to Pay.

Hold/press down on the Scan to Pay shortcut option and drag it across the screen to create a Scan to Pay shortcut on your device.

Step 3:
Select/click on the Scan to Pay shortcut and you will get redirected.

  • When you select the Scan to Pay shortcut on your screen, you will be prompted to log in then be redirected to the camera screen.

Step 4:
Scan the QR code and proceed with payment as per the existing Scan to Pay process.

Scan to Pay FAQs

What is Scan to Pay?

Scan to Pay is a FNB Pay feature on the FNB App, enabling you to scan most local QR codes including Masterpass and Payfast presented to you in shops, on point-of-sale devices (POS), on invoices/statements or on websites and pay with your FNB cards already linked to the FNB App.

How do I get access to Scan to Pay?

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

How do I pay using Scan to Pay?

Launch the FNB App, Select Payments, FNB Pay then Scan to Pay, then simply scan the QR code presented (in shops, on POS, on invoices/statements or on websites), enter the amount (if not already populated), select the card, confirm payment, both you and the merchant/retailer will receive confirmation of the transaction. Alternatively, use the Scan to Pay widget, all you will need to do is enable the widget before accessing Scan to Pay from your devices home screen.

How do I add a widget?


  1. Open 'Widget Home Screen' & select 'FNB App'
  2. The FNB App will open and select 'Scan to Pay'
  3. Wait for widget setup confirmation & select 'Close'


  1. Swipe left to right on your device to access your widgets and scroll down to select 'Edit'
  2. Add the 'Scan to Pay' widget, move it to the top of the list and select 'Done'
  3. Select the widget to complete the set up and select 'close' on the success 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 App is downloaded on.

What is the cost of Scan to Pay?

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

What are the benefits of Scan to Pay?

  1. Scan to Pay is integrated into the FNB App which makes it both convenient and safe, no need to download another app and include your card details on that app.
  2. 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.
  3. The FNB App allows you to pay without cash, or a physical card at the point of purchase, It is safe and you don't need to worry about having multiple apps for different QR codes.
  4. Fewer apps occupying your all-important phone storage and using your data
  5. 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 most local or international merchant/retailer with a QR code for you to Scan, e.g. Masterpass, and PayFast.

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 your 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, once your card is activated it is 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 unauthorised card transaction. Please contact the disputes/fraud department immediately on the following numbers:

South Africa: 087 575 9444

Outside South Africa: +27 11 369 2924

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 unsupported QR codes.

About Zapper QR code usage

FNB customers will no longer be able to scan Zapper QR codes to make payments using the FNB App.

This is due to changes that Zapper are making to their systems, preventing other apps from scanning their QR codes.

As an FNB customer you can still enjoy Scan to Pay on the FNB App at numerous retailers & merchants where QR code payments are accepted, including Checkers, Engen, Pick n Pay, Shoprite and Takealot.


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.

FNB customers will no longer be able to scan Zapper QR codes to make payments using the FNB App.

About Zapper QR code usage

Getting it made easy


How to get it

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Other ways to apply

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