FNB Public Sector Banking

We believe that lasting progress happens when innovation meets collaboration. As a trusted financial partner to the public sector, we work alongside government, institutions, and communities to build a better future for all.

Partnering for progress that lasts

We understand the challenges of public service. That’s why we partner with you to simplify processes, drive efficiency, and build solutions that make a difference.

Public sector partnerships

Partnering with government to create opportunities that uplift communities and drive lasting progress. Every initiative we support across metros and municipalities reflects our commitment to inclusive growth and shared prosperity.

Cashless environments

Building digital and cashless payment solutions that bring convenience, security and efficiency.

Sustainability for continuity

Empowering organisations with reliable solar and water solutions to ensure continuity and resilience in the face of environmental challenges.

Early childhood development support

Nurturing potential from the start, we provide Early Childhood Development (ECD) centres with curriculum resources and compliance support, helping create stronger foundations for children, families, and communities.

Non-Profit Organisation

Whether you are an established or new registered NPO we provide solutions for you that help with compliance and banking solutions for your organisation.

Educational banking

We understand the financial pressures schools face. That's why we offer tailored educational banking solutions that support a sustainable future for your educational entity.

Fuel your growth with our suite of solutions

We offer comprehensive solutions to help you manage, grow and protect your organisation.

Public Sector Current Account

Makes managing funds simple by enabling easy deposits and withdrawals, with seamless transaction tracking through the FNB App and Online Banking.

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Debit Order Switching

Make the switch on the FNB App at no cost. It's seamless and pre-populated for your convenience, with no extra costs on your qualifying transactional bank account. Available to single-member entities only.

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Speedpoint® Go

The most economical way to accept card payments with no cellphone pairing required.

Monthly rental fee

R230

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Speedpoint® Pro

A user-friendly and cost-effective way to accept card payments without sales system integration.

Monthly rental fee

R320

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Business Loan

Grow and expand your public entity, acquire assets, finance opportunities, or cover other organisation-related expenses. Flexible payment terms of up to 60 months.

Business Overdraft

Provides extra funds linked to your FNB Public Sector Account, unlocking cash flow to help you avoid penalty fees and additional charges.

Business Credit Card

FNB Business Credit Cards are designed to support your cash flow with flexible, convenient solutions—no matter your organisation’s size or turnover.

Vehicle and Asset Finance

If you’re looking to buy or lease an asset, we’re here to help your public entity secure movable assets—from furniture and fittings to equipment and heavy commercial vehicles.

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Commercial Property Finance

Let's help you build your property future with commercial property finance. Access solutions to help you switch, refinance or grow your property portfolio.

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Fleet Management and Leasing

We understand the hassle and administrative burden of managing a fleet of vehicles. Let us handle your fleet. It’s our speciality.

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3rd Party Investment Manager (3PIM)

From time-consuming to simple and secure third-party investments on platform. Grow your public entity and manage third-party investment accounts entrusted to you by your clients securely on platform.

Risk Advisory

Get specialist insurance advice for complex organisational risk from FNB Brokers.

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Empowering young girls at Potchefstroom Girls' High

When rising energy costs and loadshedding threatened learning, FNB delivered a sustainable solar solution for The High School for Girls Potchefstroom, helping the school save millions and reinvest in its future.

Building a bright future for uMhlathuze

FNB is a trusted partner to uMhlathuze Local Municipality, providing tailored funding and long-term support to help bring its vision for infrastructure and community development to life.

FAQs

For quick, clear answers to any questions about Public Sector Banking.

What is the FNB approach to serving public sector clients?

FNB adopts a partnership-driven model that focuses on understanding the unique operational and legislative needs of public sector entities. This includes national and provincial departments, municipalities, educational institutions, non-profit organisations and public healthcare facilities. We offer tailored financial solutions to support service delivery, governance, and financial efficiency.

What is FNB Online Banking and who is it for?

FNB Online Banking is a digital banking platform designed for businesses that require advanced functionality, such as managing multiple users, dual authorisations, bulk payments, and integration with accounting tools. It’s ideal for medium to large organisations needing secure and efficient financial operations.

How do I register for Online Banking?

To register, you need to contact FNB directly or request a call back via our website. A platform specialist will assist you with the onboarding process, including setting up user roles and access permissions.

How does FNB help me receive payments from my clients?

FNB’s service model includes:

Card acceptance solutions (Speedpoint®, QR code payments)
Online payment portals for rates, taxes, membership fee and school fees
Debit order collection facilities to facilitate receipt of fees via EFT
Restricted-function debit cards for staff
ATM deposits for our clients

How do the FNB payment and receipting solutions help mitigate the risks of handling cash?

By digitising payments, FNB helps public sector entities:

Reduce cash on hand, lowering the risk of theft or loss
Improve auditability through digital transaction records
Enhance accountability with real-time tracking and reporting
Minimise human error in cash counting and reconciliation

This shift supports safer, more efficient financial operations.

Online Banking registration step-by-step

1.Go to the FNB website.

2.Select 'Register', and then 'Register with My Card and PIN'.

3.Enter your card number and PIN.

4.Accept the Terms and Conditions, then select 'Continue'.

5.Go to 'Register' and enter your personal details.

6.Create your personalised login credentials, such as username and password.

7.Choose 'Register'.

8.Your Online Banking profile will be created and, for security reasons, must be activated at an FNB branch or ATM.

1.Go to the FNB website.

2.Select 'Register', and then 'Register with my Account Number'.

3.Choose the country and ID type.

4.Enter your ID and account number.

5.Accept the Terms and Conditions, then select 'Continue'.

6.Go to 'Register' and enter your personal details.

7.Create your personalised login credentials, such as username and password.

8.Choose 'Register'.

9.Your Online Banking profile will be created and, for security reasons, must be activated at an FNB branch or ATM.

Activate your Online Banking profile via an FNB ATM

1.Insert your card at an FNB ATM.

2.Enter your card PIN.

3.Select 'More Options', then 'More Service'.

4.Choose 'Verify FNB App/Online Banking'.

5.Accept the activation.

6.If the activation was successful, you will receive an ATM receipt confirming that the respective Online Banking profile has been activated.

Bank effortlessly

Make payments, transfer funds and more.

FNB Online Banking

FNB App

Card

ATM

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Need to know more or want to start the process? Let us call you back.

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