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Financial planning

Overview

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Create & pay with your own virtual card

It's safe

Your CVV number changes every hour. Create, cancel, delete or block your card at any time.

It's convenient

Virtual cards can also be used for FNB Pay (Tap to Pay, Scan to Pay) and all partner wallet transactions, including Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay, without the need for a physical card.

Earn eBucks

Choose more value for your business and earn eBucks while you spend online.

FNB Purchase Protect

Get instant insurance for items purchased with your virtual card at no cost to you

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FNB makes transacting easy

  • inContact and inContact Pro allow you to track your financial transactions across all your FNB accounts by means of an SMS or email. You will be informed of all purchases and withdrawals over R100, and will be able to view your available balances
  • Keep track of your business transactions electronically with email statements, delivered to your inbox for FREE. With My Limit Alert, My Balance Alert and Scheduled Payment Alert you can always be aware of what's happening in your bank accounts, which enables you to transact and plan accordingly. Note that these services are provided to you at an additional cost
  • eWallet Pro allows you to pay your staff or other recipients electronically and immediately, even if they don't have a bank account
  • FNB's Top Up and Withdraw with PayPal™ offers you a safe and convenient way to send and receive cross-border payments online without exposing credit card or bank account details
  • FNB Merchant Services provides specialised card payment acceptance, reconciliation and settlement services across all delivery channels
  • With FNB Forex, you can apply to send and receive foreign currency payments anywhere, anytime with secure and fast Online Banking for Business. Our import and export solutions help you unlock international markets by not only catering for your specific needs, but also helping to protect you from the risks associated with global transacting

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Qualifying criteria

For businesses with an annual turnover of R5 million - R60 million

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Business Overdraft

What the Business Overdraft offers

  • Accessibility to the required cash flow you need to run your business
  • Payments into the overdraft facility make funds available for use again
  • Flexibility, as you can deal with unexpected expenses and capitalise on opportunities
  • Monthly repayments are based on the amount of credit you used

What you can do

  • Enjoy FREE access to Instant Accounting - an easy-to-use online accounting solution which uses your FNB Online Banking statements to do your bookkeeping automatically every night
  • Enjoy FREE access to Instant Accounting Insights - giving you a monthly snapshot of your business's cash flow, income and expenses
  • The opportunity to apply for the new FNB Visa Business Debit Card with Chip and PIN technology, the most secure Debit card available today, that helps your business save money

Costs

  • The amount you qualify for, as well as the interest rate, will depend on your credit profile
  • The interest rate will be calculated for you, once your application has been submitted
  • Interest is charged monthly on your overdraft balance
  • Credit fees will be provided upon application

Legal

  • Product Terms and Conditions are included in the Facility Letter you receive with your approved overdraft
  • Only after signing the required facility and collateral documentation, will the overdraft facility be made available for use

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Quick guide

Applying for a Business Debit Account online made easy.

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eBucks Rewards for Business

eBucks Rewards for Business gives qualifying FNB Business cardholders the ability to earn and spend eBucks as a reward for banking with FNB. The eBucks Rewards for Business programme has been improved and provides more ways for businesses to earn and spend eBucks.


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SLOW Lounges

Qualifying FNB Business Visa Debit cardholders have access to the award winning SLOW Domestic Lounges and SLOW International, a place where the stresses of travelling can be momentarily forgotten.

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FNB Business Call Account

A Business Savings Pocket links to your Business Account, allowing you to ring-fence funds away from your main transactional account for provision or saving purposes. This helps you manage your cash flow by allowing you to provide for your PAYE, VAT, staff bonuses and other short-term business obligations.

The linked FNB Business Call Account allows you immediate access to your funds, by transferring between your FNB Business Call Account into your Business Account.

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FNB Business Call Account

The FNB Business Call Account links to your Business Account, allowing you to ring fence funds away from your main transactional account for provision or saving purposes. This helps you manage your cash flow by allowing you to provide for your PAYE, VAT, staff bonuses and other short-term business obligations.

The FNB Business Call Account allows you immediate access to your funds, by transferring between your FNB Business Call Account and your Business Account.

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Pricing Comparison Platinum Business Account

Pay As You Use
Description You pay a lower monthly fee and are charged per transaction that you do, as per the schedule of fees available on the Pricing Guide
Best Suited
  • If you prefer to be charged for each transaction that you do
  • If you have a low volume of transactions per month
Monthly fee R105
Debit Orders and Electronic Payments
  • Debit Orders: R18.00
  • Electronic Payments: R9.10
Electronic Pay & Clear Now R45
Free Transactions N/A
Single Fee Pricing Option 1*
Description You pay a monthly fee upfront and will only need to monitor your transaction fees once the thresholds have been exceeded each month. Per-item billing will only commence once you exceed your threshold limits
Best Suited
  • If you have an average of one electronic transaction per day
  • If you have R150 000 or less cash deposited at a FNB ATM per month
  • If you do not use the FNB branch often
  • If you swipe your FNB Business Debit cards on a regular basis
Monthly fee R415
Debit Orders and Electronic Payments 55 transactions which include amaximum of 10 FNB ATM cash withdrawals
Electronic Pay & Clear Now 3 Free
Free Transactions POS Purchases
Electronic Transfers
Prepaid Purchases
Balance Enquiries (POS)
Single Fee Pricing Option 2*
Description You pay a monthly fee upfront and will only need to monitor your transaction fees once the thresholds have been exceeded each month. Per-item billing will only commence once you exceed your threshold limits
Best Suited
  • If you have several electronic transactions on average per day
  • If you have R100 000 or less cash deposited at a FNB ATM per month
  • If you do not use the branch often
  • If you swipe your FNB Business Debit cards on a regular basis
Monthly fee R560
Debit Orders and Electronic Payments 50 transactions which include a maximum of 10 FNB ATM cash withdrawals
Cash desposited at FNB ATM only Free cash deposits up to R150 000 per month (cumulative)
Electronic Pay & Clear Now 3 Free
Free Transactions POS Purchases
Electronic Transfers
Prepaid Purchases
Balance Enquiries (POS)

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FNB Business Call Account Rates

Published at 2023-05-26

Balance Rate Effective Rate
R1 - R19 999 6.50% 6.70%
R20 000 - R99 999 6.75% 6.96%
R100 000+ 7.00% 7.23%

Platinum Business Account

Empower +
grow

Day-to-day transacting

Transacting has never been easier

Read more

FNB Business Visa Debit Card

Purchase goods and services locally and internationally



Issue restricted functionality Debit cards

Empower your staff by issuing them with a limited-function Debit card with restricted functionality to protect your business information and funds in the account



Issue full-functionality Debit cards

Full-function cards can be issued and linked to the business's accounts allowing the card holder to withdraw cash, pay at point-of-sale devices, obtain balances/mini-statements at FNB ATMs and perform transfers between accounts



Transact electronically

You can easily make once-off and recurring transfers and payments as well as debit and stop orders using Online Banking for Business.



Key features

Convenience

Keep track of your business transactions electronically with email statements, delivered to your inbox for FREE.



Switching made easy

We will help you switch your recipients and debit orders.



Roadside Assistance

Get linked Petrol Cards with FREE Roadside Assistance for roadside emergencies.



Industry specific banking services

FNB has specialised products and services which are tailor-made to suit the banking needs of specific industries.



Security

Create a secure password with Online Secure for FREE to ensure that online transactions on third-party websites are secure.



Added value

Instant Accounting enables you to do your business's financial reports for FREE.



Business Overdraft

Don't be caught short on cash

The Business Overdraft facility is linked to your Business Account and provides the ability to make payments even when there are no cash funds available in your account.

What you get

Business solutions

Rewards

Enjoy Real Value with our rewards

FNB Business Call Account

Plan your cash flow effectively

The FNB Business Call Account links to your Business Account, allowing you to ring fence funds away from your main transactional account for provision or saving purposes.

Create & pay with your own virtual card

The new virtual card on the FNB App is the faster, safer and more secure way to pay for online purchases wherever you are in the world.

Applying made easy

Apply Now!
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Qualifying criteria

Documents needed

   Pricing Guide

First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).