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Financial planning

Overview

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Current Account

Designed to give you immediate access to your funds and for your day-to-day transactions.

  • Minimum balance ₤5,000
  • Available in GBP only
  • No monthly fee if the minimum balance is maintained
  • Issued with an internationally accepted MasterCard Debit Card
  • Free subscription to inContact and Online Banking

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32 Day Notice Account

Suited to clients who don't mind giving 32 days notice to access funds.

  • Available in sterling, US dollars and euros
  • Minimum balance of ₤5,000 / $5,000 / €5,000
  • Notice is required before accessing the funds
  • Funds in this account may only be transferred to another FNB Channel Islands account in the same currency

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Call Account

Suited to clients who require immediate access to savings and the flexibility to add funds at any time.

  • Available in sterling, US dollars and euros
  • Minimum balance of ₤5,000 / $5,000 / €5,000
  • No monthly fee on the account
  • Instant access to your funds
  • Withdraw or make additional deposits at any time

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Call Account

Suited to clients who require immediate access to savings and the flexibility to add funds at any time.

  • Available in sterling, US dollars and euros
  • Minimum balance of ₤5,000 / $5,000 / €5,000
  • No monthly fee on the account
  • Instant access to your funds
  • Withdraw or make additional deposits at any time

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Fixed Account

Suited to clients who are willing to fix their funds to achieve a higher reward for longer-term savings.

  • Available in sterling, US dollars and euros
  • Minimum balance ₤10,000 / $10,000 / €10,000
  • 3, 6 and 12 months fixed terms are available
  • More rewarding returns than those available on Call and 32 Days Notice accounts
  • Additional funds may be added at maturity
  • Funds in this account may only be transferred to another FNB Channel Islands account in the same currency

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Call Account

Suited to clients who require immediate access to savings and the flexibility to add funds at any time.

  • Available in sterling, US dollars and euros
  • Minimum balance of ₤5,000 / $5,000 / €5,000
  • No monthly fee on the account
  • Instant access to your funds
  • Withdraw or make additional deposits at any time

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Source of funds/wealth

Ascertaining the legitimacy of the source of funds and wealth is a regulatory requirement and evidence of this must be obtained. Examples of acceptable documentary evidence are:

Source of wealth Document required (*)
Income from employment (e.g. wages, bonus)
  • An original or certified copy of a recent pay slip
  • Written confirmation of annual salary signed by employer
Property sale
  • Original or certified copy of contract of sale
  • Written confirmation of sale signed by advocate/solicitor
Sale of investments
  • Original or certified copy of contract note(s)
  • Written confirmation of sale/holding signed by accountant/broke
Inheritance
  • Original or certified copy of will or grant of probate
  • Written confirmation of inheritance signed by advocate / solicitor / trustee / executor
Company sale
  • Original or certified copy of contract of sale
  • Written confirmation of sale signed by advocate / solicitor / accountant
  • Internet research of company registry
Divorce settlement
  • Original or certified copy of court order
  • Written confirmation of settlement signed by advocate/solicitor
Savings
  • Statement from the savings institution and enquiry of the source of wealth
  • Written confirmation of settlement signed by advocate/solicitor
  • Internet research of company registry
Lottery/gambling win
  • Evidence from the lottery company
  • Cheque
  • Winnings' receipt

*For existing RMB Private Bank/FNB clients, a 'Verification of Source of Wealth and Funds' filled in by their Private Banker is acceptable.

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Verification of identity

At least one piece of identification per client must bear a clear copy of a photograph, name, date and place of birth, nationality, identification number and the date and place of issuance. A certified copy of a valid passport or South African ID taken from original documentation (not copy documentation) is required for all parties. In all cases the copies must be clear.

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Residential address

To verify the permanent residential address of an individual, ONE of the following is required (no more than 3 months old), either in original or in certified copy:

  • A bank statement addressed to the individual at the permanent residential address they have stated.
  • A utility bill addressed to the individual at the permanent residential address they have stated (mobile/cell phone bills not accepted).
  • Telephone directory for the locality from which the individual is from and showing the address provided by them.
  • A confirmation from a suitable certifier, which is regulated by a regulatory body in another jurisdiction.
  • A site visit by an RMB/FNB Private Banker.
  • Documents addressed to a PO Box are not acceptable, unless the residential address is also included.

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Certification of documents

Suitable certifiers include

  • An embassy, consulate or high commission of the country of issue of documentary evidence of identity;
  • A member of the judiciary, a senior civil servant;
  • A lawyer or notary public;
  • An actuary;
  • An accountant holding a recognised professional qualification;
  • A director, officer or manager of a regulated financial service business;
  • A FirstRand Group director, officer or manager.

The certifier cannot be closely related to the person whose documents are being certified. For verification of identity, a suitable certifier must ensure that he or she has seen the original documentation and met the individual in question, and that the copy is certified as a true copy of the original seen by you and a true likeness of the individual whom you have met.

The verification of residential address must state that the document provided is a true copy of the original.

Certification should include the suitable certifier's full name, contact details, professional capacity in which they are certifying and must be signed and dated.

The above can be handwritten or added by means of a stamp.

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Not existing client

If you are not an existing FNB / RMB Private Bank / FirstRand India client please contact the FNB Channel Islands Service Suite for more information.

UK (international):+44 330 350 0213

SA (local):087 730 6010

SA (international):+2711 369 1500

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Off-shore wealth security

FNB Channel Islands is the Guernsey branch of FirstRand Bank Limited, a wholly-owned subsidiary of FirstRand Limited, and one of the largest financial institutions on the African continent.

Find a secure home for your wealth on the Channel Islands and build your banking portfolio with FNB Channel Islands' suite of products.

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Financial facts about Guernsey

  • Over £82bn worth of deposits are held in Guernsey.
  • A total of 31 licenced banks offer services ranging from retail banking and deposit taking, all the way through to private wealth management.
  • The first bank to be established on the island was in 1822.
  • Guernsey has thrived for almost 50 years as one of the world's leading finance centres.
  • The Guernsey Financial Services commission is approachable, accessible and open to new ideas, promoting robust yet pragmatic regulation.
  • Did you know that in Guernsey, the finance sector employs about 23% of the total workforce and contributes about 40% to the GDP?
  • Guernsey is the perfect home for your wealth as it is a democratic country, politically and economically stable with no national debt.
  • Guernsey's success as a finance centre is largely due to meticulous planning by the island's authorities to cultivate a conducive legal and regulatory environment.
  • Did you know that there are no banking secrecy laws in Guernsey?

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Qualifying criteria

Existing clients

  1. Be 18 years or older
  2. Deposit and maintain a balance specific to account requirements
  3. Bank with FNB / RMB Private Bank / FirstRand Bank India

New clients

Not an existing FNB / RMB Private Bank / FirstRand India client?

FNB Channel Islands

Transact from a home away
from home

Start transacting and saving with an FNB Channel Islands Account.

What this is

Off-shore wealth security

FNB Channel Islands is the Guernsey branch of FirstRand Bank Limited

Available accounts

Enjoy flexibility + higher rewards

For day-to-day transactions and short to medium-term savings products.

Current Account

Gives you immediate access to your funds and for your day-to-day transactions.

Read more

32 Day Notice Account

Suited to clients who don't mind giving 32 days notice to access funds.

Read more

Call Account

Require immediate access to savings and the flexibility to add funds at any time.

Read more

Fixed Account

Willing to fix funds to achieve a higher reward for longer-term savings.

Read more

About the island

Small island with big history

Guernsey is triangular in shape, situated in the English Channel, at only 77km² and with a population of around 66 000, the island of Guernsey is not a big place but it does have big ambitions and a sizeable reputation.

It is the destination for FNB's new suite of transactional products in the shape of FNB Channel Islands (FNBCI), the Guernsey branch of FirstRand Bank Limited.

Financial facts about Guernsey

A leading finance centre

  • Over ₤82bn worth of deposits are held in Guernsey.
  • A total of 31 licenced banks offer services ranging from retail banking and deposit taking, all the way through to private wealth management.

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Qualifying criteria

Documents needed

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