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Financial planning

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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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eWallet Pro

As an FNB client, you can pay your employees or recipients electronically, even if they don't have a bank account, providing them immediate access to their money. eWallet Pro is a safe and convenient electronic payment solution that reduces the risk of theft and fraud, as well as the costs associated with handling cash.

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Business Forex

Bring the world closer with our foreign exchange solutions. FNB Forex offers a range of foreign exchange solutions to suit your business's needs; whether for travelling, sending or receiving money globally or managing imports and exports. Forex is the simple and convenient way to transact around the world.

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PayPal™

Pay and get paid globally with PayPal. PayPal is the safer, easier way to pay and get paid online without exposing your credit card or bank account number. Over a 100 million people use PayPal to send and receive money.

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Merchant Services

FNB Merchant Services has the right card acceptance solution for you at the right price.

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Vehicle and Asset Finance

The Islamic Vehicle and Asset finance product allows you to finance your vehicle or moveable assets for your business or personal use in a Shari'ah compliant way. Depending on the asset you choose to finance, we offer convenient repayment periods up to 72 months.

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Takaful Insurance

Our Takaful product offering gives you peace of mind that your possessions are protected in a manner that complies with the requirements of Shari'ah.

Takaful offers the following:

  • Personal Lines - developed to protect your most valued possessions
  • Holistic cover for your commercial needs
  • Bespoke solutions covering risks in manufacturing, distribution and construction
  • Specialised motor product offering
  • Body corporate ensures that owners' best interests are met

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Property Finance

Islamic Banking Property Finance allows you to finance developed commercial or residential property in conformity with your faith. Our product is based upon the Diminishing Musharaka (co-ownership) principle.

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48 Hour Cash Accelerator

The Islamic 48 Hour Cash Accelerator will help you save for planned expenses and future expansion. Access up to 100% of available balance with 2 calendar days' notice at no cost. There is a minimum opening balance of R100 000, but you can add money at any time and earn eBucks Rewards points to move up reward levels.

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Term Deposit

The Islamic Term Deposit product offers you a fixed-term deposit with highly competitive profit rates on your investment and no monthly fees . We offer you the option to have your profit share paid out to you monthly or reinvested.

You can choose a term that best suits your needs. The terms for investment are 30 days, 90 days, 180 days, 275 days, 12 months, 24 months, 36 months, 48 months and 60 months.

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Trade Finance

The Islamic Trade Finance Product is modelled on the Murabaha arrangement and follows the ownership model. A competitively priced product best-suited for importers with extended payment terms.

  • Best suited for importers
  • A competitively priced product
  • Extended payment terms

Trade products on offer include the following:

  • Import Letters of Credit (L/Cs)
  • Islamic Forward Exchange Contracts (FECs)
  • Open Account Payments

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The people behind the compliance

Dr Aznan Hasan Professor
of Islamic law at the International Islamic University of Malaysia. Deputy Chairman of the Shari'ah Advisory Council of the Malaysian Securities and Exchange Commission and served as a member of the Malaysian Central Bank (Bank Negara) Shari'ah Board.

Mufti Zaid Haspatel
Senior lecturer and Islamic finance specialist at Darul Uloom Zakariyya and holds various Shari'ah board positions in financial institutions in South Africa.

Ml Yusuf Patel
Secretary General of the United Ulama Council of South Africa (UUCSA), Jamiatul Ulama Mpumalanga and the Chairman of the South African National Halaal Authority (SANHA).

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Qualifying criteria

  • Copy of recent payslip
  • South African ID book/card
  • Proof of residence (in your name, not older than 3 months)
  • Your passport (if not an SA resident)
  • Company registration documents

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Qualifying criteria

  • Copy of recent payslip
  • South African ID book/card
  • Proof of residence (in your name, not older than 3 months)
  • Your passport (if not an SA resident)
  • Company registration documents

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Find a branch

Islamic Platinum Business
Account | Annual business
turnover of R5 million - R60 million

A business
account that
helps you grow

Apply now
View pricing guide

Shari'ah Advisory Committee

The FNB Islamic Banking Shari'ah Advisory Committee comprises experienced scholars who are recognised, both locally and internationally. The Shari'ah Advisory Committee reviews, supervises, monitors and approves the activities of Islamic Banking from FNB and the FirstRand Group to ensure compliance with Islamic banking and in line with acceptable standards.

Day-to-day transacting

Transacting has never been easier

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



What you get

Business solutions

eWallet Pro Business Forex PayPal™ Merchant Services
 

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.



Rewards

Earn & spend with our rewards

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

Find out more

eBucks Rewards for Business gives qualifying FNB Islamic 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.

Find out more

Islamic Business Call Account

Plan your cash flow effectively

The Islamic Business Call Account links to your Islamic 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 Islamic Business Call Account allows you immediate access to your funds, by transferring between your Islamic Business Call Account and your Islamic Business Account and you will also be eligible to earn an indicative profit share rate on the balance maintained in the Islamic Savings Pocket.

Islamic business products

Vehicle and Asset Finance

Finance your vehicle or moveable assets for your business or your personal use.

Read More

Takaful Insurance

Protect your possessions in a manner that complies with the requirements of Islamic banking.

Read More

Property Finance

Finance developed for commercial or residential property.

Read More

48 Hour Cash Accelerator

The Islamic 48 Hour Cash Accelerator will help you save for planned expenses and future expansion.

Read More

Term Deposit

A fixed-term deposit with highly competitive profit rates and no monthly fees.

Read More

Trade Finance

The Islamic Trade Finance product is modelled on the Murabaha arrangement and follows the ownership model.

Read More

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.

Getting it made easy

Apply Now!
Contact us
Find a branch

Qualifying criteria

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