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Gold's best features

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FNB APP

Discover fast, reliable and secure banking, whenever, wherever on the FNB App. Enjoy full control of your banking 24/7 without the need to go to a branch. Plus,the FNB App is free to use on all major networks. No data costs are charged no matter how many transactions or how long you use the app.


Do your day-to-day banking:

  • View and change your PIN
  • Temporarily block and unblock your card
  • View and download statements
  • Cancel and order a new card
  • View balance and transaction limits
  • Manage daily transaction limits
  • Report fraud immediately
  • Get access to your team of bankers with Secure Chat ®
  • Track your eBucks rewards


You can also buy:

  • Prepaid Airtime
  • Data Bundles
  • SMS Bundles
  • Prepaid electricity
  • iTunes Vouchers

You also get additional features that include:

  • Managing your eBucks account and finding partners
  • Buying vouchers
  • Redeeming coupons
  • Access to conveniently located FNB branches and ATMs


Visit your App Store to download the FNB Banking App today. Just register and you're on your way.

Downloading the FNB Banking App is compatible with Android™, Apple™,BlackBerry™ and Nokia™ Symbian devices*.

For queries, email: fnbappsupport@fnb.co.za

To find out how to link your device call: 087 575 0362

View the software license agreement and remote banking agreement

*Android devices include HTC, Samsung, LG, Motorola, Sony Ericsson and Huawei.

BlackBerry devices include the Torch, Storm, Bold and Curve that are OS5 or higher

Terms, conditions, rules and standard network rates apply.

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Online Banking

Bank safely and securely 24/7 with Online Banking.

Online Banking is the convenient, real-time way to access your accounts. Pay, transfer, trade and invest using easy online navigation - all from the comfort of your couch.

Banking Online is:

  • Convenient. You can do most things via Online Banking that you can do in a branch.
  • Secure. Keep track of your transactions with free inContact, OTP notifications and online protection software.
  • Simple. All you need is an FNB bank account and access to the internet.

When using your Online Banking, you pay no data fees.


With Online Banking you can do your day-to-day banking:

  • View detail balances and transactions
  • Transfer funds between accounts
  • Stop/reverse debit orders on Mobile and eChannels
  • Make payments
  • Manage recipients
  • Send Money
  • Download account statements

You can also buy:

  • Prepaid Airtime
  • Data Bundles
  • SMS Bundles
  • Prepaid electricity

You can use Connect to:

  • Link your FNB Banking App to your Online Banking profile

You can take control and protect your account by:

  • Managing your FNB cards
  • Viewing/updating your PINs
  • Activating/Updating Online Secure

You also get additional features that include:

  • Managing your eBucks account and finding partners
  • Getting personalised offers for upgrades and limit increases
  • Ordering new smartphones and tablets
  • Opening new accounts in under ten minutes
  • Buying and selling Krugerrands

View our How to register for Online Banking demo


Terms, conditions + rules apply.

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Cellphone Banking

Bank safely and securely anywhere, anytime with Cellphone Banking.

Access your money by banking in the palm of your hands using your cellphone. Even without your bank card, you can now do your banking via Cellphone Banking.

You'll pay no data fees when you use Cellphone Banking.


With Cellphone Banking you can do your day-to-day banking:

  • View balances and transactions
  • Stop/reverse debit orders on mobile and e-channels
  • Send money
  • Make payments
  • Transfer funds between accounts
  • Make cardless cash withdrawals
  • Pay traffic fines

You can also buy:

  • Prepaid airtime
  • Data bundles
  • SMS bundles
  • Prepaid electricity

Dial *130*321# to register and start banking on your phone today!

For assistance, call 087 575 9405 .

Terms,conditions and rules apply. .

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Gold gets discount with ConeXis X1

As a Gold customer, you can get up to 100% off your monthly fee for ConeXis X1.

Monthly discount fees are structured differently for Gold, Premier, Private Clients and Private Wealth accounts. Customers will be billed R119. Thereafter, the discount corresponding to the level they are on will be deposited into their bank account. Rebates will be paid within 48 hours.

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Qualifying criteria

  1. Earn R84 000 - R299 999 per year
  2. Age 18 years and older

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Documents needed

  • South African ID book/card
  • Recent payslip
  • Proof of residence
  • Spousal consent (if married in community of property)

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Free Bank Your Change®

That's where we round your card purchase up to the nearest rand and transfer the difference into your Savings Account. This means that you save every time you swipe

How does Bank Your Change® work?

How do I access my savings?

  • Get immediate access to your savings at no fee
  • Simply transfer funds to your transactional account via Cellphone Banking, Online Banking, The FNB Banking App or in-branch.

1. Activate Bank Your Change® on Cellphone Banking:

Login to you Cellphone Banking account (Dial *120*321#)

Step 1: Select option 5 (Save and Invest).

Step 2: Select option 6 (Savings Account)

Step 3: Savings Account already exists. OR Select the option of the Savings Account to maintain.

Step 4: Brief explanation of Bank Your Change®. Select option 1 (Continue)

Step 5: Select Bank Your Change top-up amount (R0, R2, R5, R10, R20 or R50). Select relevant option.

Step 6: Confirm details and T&Cs. Select option 1 (Confirm)

Step 7: Confirmation screen for Bank Your Change



2. Activate Bank Your Change® on App:

Add or maintain Bank Your Change® to an existing Savings Account on FNB App

Step 1: Select ''Savings Account'' on FNB App

Step 2: Click the ''Bank Your Change®'' icon on the Savings Account settings to Add or maintain Bank Your Change®

Step 3: Select the top-up amount to be added to your left over cents every time you swipe, the options are R0 (bank left over cents) or R2, R5, R10, R20 and R50, then click ''Update''

Step 4: Click ''View Terms and Conditions''

Step 5: Tick ''I accept''

Step 6: Click ''Confirm'' to continue

Step 7: Click ''Finish'' on success screen - Updated the top-up amount



3. Activate Bank Your Change® on Online Banking:

Step 1: Click ''Manage'' Savings Account on account settings

Step 2: If you are requesting Bank Your Change®, Click ''Add''

Step 3: Choose a top-up amount to be added to your left over cents every time you swipe, the options are R0 (bank left over cents) orR2, R5, R10, R20 and R50, then click ''Update''

Step 4: Select the ''Terms and Conditions'' to open and tick

Step 5: Click ''Submit'' to continue



Click ''Finish'' on success screen. You can top-up your Bank Your Change® by choosing a top-up amount of R2, R5, R10, R20 or R50. Each swipe adds that amount from your transactional account to the cents you've saved on your purchases, into your Savings Account. To add a top-up amount follow the same process used to activate Bank Your Change® and select the option Change top up amount and follow the screen prompts.

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How to move up a reward level

Level Up challenge for Gold

5

Meet a fifth reward requirement from a new product group

4

Meet a fourth reward requirement from a new product group

3

Meet a third reward requirement from a new product group

2

Meet a second reward requirement from a new product group

1

Meet a first reward requirement from ANY product group

Reward requirements

My Cheque
The total value of your card purchases and Cash@Till® withdrawals is more than all your cash withdrawals at ATMs and branches during the month*.
OR
Have at least three debit orders off your cheque account.

*ALL card purchases and cash withdrawals (Cash@Till® and ATM/FNB branch withdrawals) made using your FNB Aspire Credit Card and FNB Aspire Current Card will be considered for this requirement.
Credit card
Spend at least R2 500 on your credit card each month.
OR
Spend at least R750 online using your credit card each month.
Digital Banking
Make at least two financial transactions on the app.
OR
Have Connect spend of R200 each month.
Borrow
Have used your overdraft to the amount of at least R1 000 each month.
OR
Have a personal loan with original loan amount R10 000 where the debit order is set up from your FNB Aspire Current Account.
Home and car
Have a Wesbank or a FNB Vehicle Finance account with your car on nav>>Car. Setup a debit order from your FNB Aspire Current Account.
OR
Have a Home loan or a Smart bond that has a flexi facility with an outstanding balance of R75 000, where the debit order is set up from your FNB Aspire Current Account, or there is a salary stop order set up.
Start to save
Have a Linked Savings Pocket or Savings Account with a balance that grows by at least R250 each month.
OR
Maintain a minimum monthly balance in your FNB Linked Savings Pocket or Savings Account, FNB Aspire Current Account or FNB Fixed Deposit Account.

If you have an FNB Linked Savings Pocket, Savings Account or FNB Aspire Current Account, you'll need to maintain a monthly balance of at least R5 000. If you have an FNB Fixed Deposit Account, you'll need to maintain a monthly balance of at least R10 000.
Family and Insurance
Have an FNB Life Policy with min cover of R400 000. Pay the premiums for your policy from your Aspire Current account each month.
OR
FNB Funeral Cover product of min R50 000. Have min two lives assured. Pay the premiums for your policy from your Aspire Current account each month.

Look at how much you could earn on eBucks reward level 5 every month:

15% on fuel and Uber

If you spent R1 200 on fuel in a month, at any fuel station and Uber, you'd earn eB1 800

Rand value

R180

back

15% on groceries

If you spent R2 000 at Checkers & Shoprite in a month, you'd earn eB3 000

Rand value

R300

back

1,5% on shopping

If you swiped for R1 500 on your Credit Card in a month, you'd earn eB225

Rand value

R22

back

15% on connect

If you spent R200 on Connect airtime + data in a month, you'd earn eB300

Rand value

R30

back

That's a total of R532
back in eBucks and R150 on your FNB Smartphone every month

*Transacting on the FNB Banking App includes payments, transfers and purchases but excludes debit orders, deposits and viewing of accounts.

Qualifying spend excludes any device premiums linked to your contract(s).

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Savings Account

Your Islamic Aspire account comes with a Islamic Savings Account that makes saving easy.

Get an Islamic Savings Account and keep your transactions separate from your Islamic Aspire Current Account. The Savings Account gives you immediate access to your money, helps you track your saving, makes it possible for you to schedule payments and allows you to Bank Your Change® every time you swipe your card.

The best part? It gives you a competitive profit share.

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Loans + Insurance

There's more with Aspire - you can apply for short and long-term credit. Short term options include the Temporary Loan. A Personal Loan, Home Loan, Car Finance are some of the options you can apply for under long-term credit.

In addition, your Aspire Current Account allows you to take out insurance. This includes Funeral Insurance, Life Cover, as well as car and household insurance.

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FNB Smartphone

Since Aspire goes with the value, you get the following with FNB Connect:

  • FREE Connect SIM
  • FREE 25 mins and 100MB data pm for 24 months
  • FREE 16GB Micro SD card, protective back cover and glass screen protector valued at R400
  • FREE calls to FNB (087 575 9404) for general enquiries
  • FREE delivery
  • Zero-rated Banking App use (pay no data costs)

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New ways to get rewarded

Make your money go further each month with more rewards and family benefits from eBucks.

Even more benefits you know and love

  • Earn up to R4 per litre back in eBucks at Engen when you have accepted the nav» Car terms of use for your vehicle that is loaded on the FNB App under nav» Car
  • Earn up to R8 per litre back in eBucks per quarter at Engen when your vehicle is financed with WesBank, Toyota Financial Services or Volkswagen Financial Services and you have accepted the nav» Car terms of use on the FNB App
  • Earn up to 15% back in eBucks at Checkers and Shoprite
  • Earn up to 15% back in eBucks at KFC
  • Earn up to 40% back in eBucks on bus tickets at Intercape

Even more family benefits

  • Get up to 40%* off on selected flights and car rental for you and your family when you book with eBucks Travel
  • Enjoy 2-for-1 specials in 2020 with The ENTERTAINER™ and let FNB cover the sign-up cost

For more information on eBucks Rewards and how you can make your money go further, download the FNB App or visit www.ebucks.com .

*Discount excludes taxes. Terms, conditions and rules apply.

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Manage your cash flow better with an Overdraft

You may qualify for an Overdraft up to an amount of R150 000 to make those payments when you may not have enough cash available in your account.

What's more, you can apply from the comfort of your home through any of our digital channels , meaning you always have enough cash for those unforeseen expenses.

The best part is that you pay no fees for your overdraft if you don't use it.

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New ways to get rewarded

Get up to 3x your monthly account fee back in value

When you spend at our partners

  • Up to R150 back in eBucks at Checkers, Shoprite or Usave
  • Up to R150 back in eBucks at Clicks
  • Up to R150 back in eBucks at Engen
  • Up to R150 back in eBucks at Intercape

When you learn from home

  • Learn from home & save by using eBucks to buy eTextbook voucher with Snapplify

When you stay connected

  • Up to 1GB data, 30 voice minutes & 30 SMSs every month on your FNB Connect SIM

When you travel

  • Up to 2 bonus SLOW Lounge visits when you book flights with eBucks Travel using your FNB Aspire Fusion Card
  • Get a free Wimpy breakfast or burger at participating Engen 1Stops every quarter.

Subject to eBucks earn rules

Islamic Aspire Current Account

Real value with Islamic Aspire

We're talking unlimited day-to-day banking and rewards for banking better, knowing what you pay for every month and saving towards your dream.

Apply Now
Real value with Islamic Aspire

Here's what you get

Unbelievable value for only R115 per month

Unlimited banking

Get digital banking at no extra cost, two eWallet sends, inContact, card swipes, electronic transactions and prepaid airtime purchases - safely and conveniently.



Withdrawals and deposits

Cash withdrawals of up to R3000 pm at FNB ATMs and cash deposits of up to R3000 pm at FNB ATMs and selected retailers.



More savings

Save money easily with a Savings Account and boost your savings with regular payments and Bank Your Change®.



Rewards

Enjoy membership to eBucks Rewards and earn eBucks that never expire which you can use towards fuel, shopping and travel.



More value with

data rewards on your FNB Connect SIM

Get rewarded with 500MB, 35 voice minutes and 35 SMSs every month on your FNB Connect SIM when you qualify for eBucks Rewards. Plus get rewarded with an extra 500MB data every month when you spend* R100 or more on your FNB Connect SIM card and qualify for eBucks Rewards at the time that you spend.

*Free minutes apply to local calls only.

Read more

Islamic Savings Account

Grow your savings easily

Your Islamic Aspire Current Account comes with an Islamic Savings Account that makes saving easy.

New ways to get rewarded

Make your money go further each month with more rewards And family benefits from eBucks.

Simple account management

Get access to
innovative banking

Online Banking

Join millions of customers in experiencing the best in quality, usability, safety and ease of use to do your 24/7 banking online

FNB App

Banking on-the-go is fast, reliable and secure

Cellphone Banking

Anytime, anywhere banking for any cellphone, including feature phones

Applying made easy

Apply Now!
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Terms + Conditions    Pricing Guide

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