Your CVV number changes every hour. Create, cancel, delete or block your card at any time.
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.
Choose more value for your business and earn eBucks while you spend online.
Get instant insurance for items purchased with your virtual card at no cost to you
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What the Business Overdraft offers
What you can do
Costs
Legal
eBucks Rewards for Business gives qualifying FNB Business card holders 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.
The 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 Business Savings Pocket allows you immediate access to your funds, by transferring between your Business Savings Pocket and your 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 |
|
| Monthly fee | R75 |
| Debit Orders and Electronic Payments |
|
| 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 |
|
| Monthly fee | R235 |
| Debit Orders and Electronic Payments | 30 transactions which include amaximum of 5 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 |
|
| Monthly fee | R350 |
| 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 R100 000 per month (cumulative) |
| Electronic Pay & Clear Now | 3 Free |
| Free Transactions |
POS Purchases Electronic Transfers Prepaid Purchases Balance Enquiries (POS) |
*Please refer to the pricing guide for a list of fees charged above the transaction threshold limits.
This is a summary of fees to use for comparison purposes only. For a comprehensive list of fees please visit the FNB website and view the Pricing Guide .
| Balance | Rate |
|---|---|
| R1 - R999 | 0.45% |
| R1,000 - R9,999 | 0.45% |
| R10,000 - R19,999 | 0.6% |
| R20,000 - R49,999 | 0.8% |
| R50,000 - R99,999 | 0.8% |
| R100,000 - R249,999 | 0.8% |
| R250,000 - R499,999 | 0.8% |
| R500,000 - R999,999 | 1% |
| R1,000,000 - R1,999,999 | 1.1% |
| R2,000,000 - R2,999,999 | 1.2% |
| R3,000,000 - R3,999,999 | 1.3% |
| R4000,000 - R4,999,999 | 1.4% |
| R5,000,000 + | 1.5% |
Get rewarded with an FNB Connect SIM
FNB Gold Business Connect rewards
Get rewarded with WhatsApp messaging*, 400MB data and 35 voice minutes every month on your FNB Connect SIM.
Qualifying criteria
Note:
Spend is defined as all purchases and/or fees charged to the FNB Connect SIM card account, namely, SIM card subscription fees, recharge fees and purchases, SIM and Connection fees, Call Line Identify (CLI) fees and itemised billing fees. All Top Up Go promo SIM cards that are in use and that were sold with a device will be included in the spend calculation. Top Up plans bundled with devices, device purchases, and all penalty fees are excluded from this spend calculation.
Deposit includes the payment of your salary, other payments or drawings and specifically excludes (but are not limited to) any inter-account transfers. Transfers from mandated accounts will be classified as inter-account transfers (except for spousal accounts).
Only available to one FNB Connect SIM per commercial entity.
*Messages includes all voice notes, messages, sending of video files, pictures/image files, documents files limited to 2GB.
Solutions to help
We have an ideal set of products and solutions to support you when you are opening a new business or switching an existing business.
We have the right solutions to help you run and maximise your business' capabilities.
Get rewarded with data, voice minutes and SMSs every month on your FNB Connect SIM.
We understand the support you need in growing your business and have specialised products and solutions to assist you.
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.
