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Convenience at your fingertips

Pay and get paid anywhere, any how

Make and receive payments. Plus, get paid using your smartphone and banking app. Pay instore or online with your virtual card, view bills, send payment requests, get paid with SpeedeeApp and more.

A new experience

Pay, our new and refreshed payments platform is the start of the journey towards a simplified and cohesive payments experience.

Navigate through the new Pay and find all payment solutions, history and settings on a single platform.

Quick, easy and affordable

Introducing PayShap

A new, affordable way to make real-time payments.

PayShap is an easy-to-use payment service which allows you to make or receive instant payments safely and securely (up to R3 000) through banks including FNB.

  • Read more
  • How to register your ShapID
  • How to pay with Payshap
  • FAQs
 
 

Introducing Instant Payments

First of its kind in South Africa

  • Pay someone in real-time to participating banks* in South Africa, using only their card number.
  • From as little as R7 via your banking app.

*Participating banks include:
Standard Bank, Absa, Nedbank, Capitec, Discovery, Investec, African Bank, TymeBank, alBaraka, HBZ Bank, Bidvest Bank and Sasfin Bank.

View FAQs

Introducing ChatPay

Ultimate convenience

  • Customers can pay or request payment from any FNB or RMB customer using the FNB App's chat functionality - using just the customer's* cellphone number.

* Customers can simply go to Pay and select ChatPay at no additional cost for all customers.

Introducing Bill Payments

Making life simpler

Go to Pay > Bills and search for a bill via the payment provider option and make a payment from any FNB Card or FNB Virtual Card.

Find out more
View FAQs
View list of billers

Enhanced security

FNB Global Account Virtual Card

Compliment your FNB Global Debit card by adding a virtual card to enjoy even more security.

Spending when travelling is more secure with a virtual card - whether shopping online or at merchants. Simply load your global virtual card onto a partner wallet so you can easily tap to pay abroad and earn up to 4% back in eBucks.

Setting up your virtual card is quick and easy.

  • The dynamic CVV changes hourly to increase security while shopping online.
  • You can create multiple cards - at no additional cost to you - for each account, to help you better manage your spend.
  • Virtual cards are easy to create, cancel, and can be temporarily blocked at any time on the FNB App.
Read more
Frequently Asked Questions

Compliment your FNB Global Debit card by adding a virtual card to enjoy even more security.

Read more
FAQs
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More value to enjoy

 

Send money using eWallet

  • Send money instantly to anyone with a valid South African cellphone number.
  • You can transfer funds from your eWallet to your FNB Account via the FNB App. Enjoy the convenience of swiping instead of withdrawing.
Find out more

PayMe

  • Request funds from family and friends via your banking app or USSD.
  • Simply dial *120*321# and follow the prompts or select Pay > Receive > PayMe > Add payment request
  • Payer is notified of the request and can choose to accept or reject the request.
View FAQs

Shop seamless with Checkout

Enables you to make secure and frictionless online payments

Benefits

How it works

FAQs

Scan to Pay

Pay from your smart phone using the FNB App to scan the most local payment QR codes including Masterpass, Zapper and PayFast etc.

Set up Scan to Pay shortcut

How it works

About Scan to Pay

FAQs

It's safe and secure

FNB Virtual Card

Make in-store payments seamless, contactless and cashless with Apple Pay, Google Pay, Samsung Pay and more. Add your FNB Virtual Card to a digital wallet to tap your compatible smartphone or wearable conveniently and securely on the go.

Purchase an NFC enabled phone or wearable from FNB Connect or the eBucks Shop, or make contactless payments with Scan to Pay on the FNB App at merchants who accept QR code payments.

Info for merchants


FAQs


Digital wallets
 

Get paid

At FNB, we understand that getting paid enables a world of possibilities; from empowering you to grow your business to helping you manage your cashflow. We offer a range of helpful, safe and easy solutions that require no device, instantly accessible on the FNB App like SpeedeeApp & SpeedeeQR to devices like SpeedPoint® ensuring that payments are the last thing you should be worrying about.

 
 

Introducing SpeedeeApp

Get paid with SpeedeeApp. Experience the possibilities of getting paid conveniently and cost-effectively - anytime and anywhere. Turn your compatible Android smartphone into a payment acceptance device via the FNB App. Accept contactless card and phone payments without adding another app. No sign-up, monthly rental fees or hardware required.

Read more

Introducing SpeedeeQR

Get paid with SpeedeeQR. Experience the possibilities of getting paid conveniently and cost-effectively - anytime and anywhere. Generate a QR code to accept payments for goods and services on the move off the same app you use for all your other banking needs. No sign-up, monthly rental fees or hardware required. Compatible with the most popular QR code scanner apps.

Read more

 

FAQs

Where is this available?

Currently FNB Pay Checkout is only available on the eBucks website, however will be extended to other platforms and merchants.

What does it cost?

There are no fees or charges for using the service.

Is it secure?

Yes, FNB Pay Checkout uses the latest technology to secure the transaction and negates the need for capturing sensitive card information. All you need to do is select the card to pay with using the secure FNB App. The resulting transaction is fully 3D Secure compliant ensuring the relevant protections for both the cardholder and merchant.

 

How it works

A step-by-step guide for you:

  1. On the merchant website or app, simply select FNB Pay Checkout
  2. You will receive a notification on your FNB App
  3. Open the notification, authenticate yourself and select the card from which to make payment
  4. Select confirm to make the payment
  5. Confirmation of payment will be displayed on the merchant website or app

 

Benefits

For the cardholder

  • A seamless checkout experience with no capturing of card information, nor the SMS OTP.
  • Card details are secure and never exposed on a 3rd party platform.
  • Payment interaction is via the trusted FNB App, protected by additional layers of security.

For the Merchant

  • Reduced basket abandonment that could have resulted from the customer not having their card information on hand, or not receiving the OTP.
  • The use of all other payment methods and additional value-adding services supported by the FNB Payment Gateway.
  • Avoid PCI implications when initiating payment on the clients behalf (for example, when taking a travel booking telephonically).

 

Set up Scan to Pay shortcut

Steps to set up scan to pay widget

iOS

(To access this screen, unlock your device and swipe to the right)

  1. On your device's "Today Screen/Widget Screen", scroll to the bottom and select "Edit".
  2. Add the "Scan to Pay" widget, position it towards the top of the list and select "Done".
  3. Select the newly added Scan to Pay widget and follow the prompts to set it up.
  4. Once successfully set up, you can select "Close" on the "Success Screen".
  5. When ready to make a payment, access your "Today Screen/Widget Screen" and select the Scan to Pay widget.
  6. The FNB App will launch, log in and scan the QR Code.

Android

(To access this screen, hold down onto an empty space on your home screen and access the "FNB App" in the widget menu)

  1. From your device's "Widget Home Screen" select the "FNB App" widget.
  2. The FNB App will automatically open, select "Scan to Pay".
  3. The successful widget setup confirmation screen will be displayed.
  4. Select "close".
  5. When you are ready to make a payment, select "Scan to Pay" from your device home screen.
  6. Log into the FNB App and scan the QR Code.

Steps for using Scan to Pay shortcut on your smartphone

(Applicable to both Android and iOS devices)

Step 1:

Hold/press down on the FNB App icon on your device.

The following shortcuts will be displayed: Scan to Pay, Transfers, Buy, and Balances.

Step 2:

Select the Scan to Pay shortcut and you will get redirected.

When you select the Scan to Pay shortcut on your screen, you will be prompted to log in to the FNB App and be redirected to the camera screen.

Step 3:

Scan the QR code and proceed with payment as per the existing Scan to Pay process.

 

How it works

Option 1

  1. Log in to the FNB App
  2. Select the QR code icon on the top right of the screen

Option 2

  1. Log in to the FNB App
  2. Go to 'Pay' and select 'Pay' followed by 'Scan to Pay'.

 

About Scan to Pay

Scan to Pay allows FNB clients with the FNB App to scan a QR code to pay. All you need is the latest version of the app. Scan to Pay is free of charge and an immediate way to pay. No cash or cards needed - making it extra safe and convenient to use wherever you go. Just ask the store cashier to present the QR code when it's time to pay.

 

Scan to Pay FAQs

What is Scan to Pay?

Scan to Pay is a FNB Pay feature on the FNB App, enabling you to scan most local QR codes including Masterpass and Payfast presented to you in shops, on point-of-sale devices (POS), on invoices/statements or on websites and pay with your FNB cards already linked to the FNB App.

You need to ensure you have downloaded the FNB App and that your device/phone is verified. Scan to Pay can be accessed via FNB Pay which is under the Payments tab on your FNB App. No need to register, load your card details or to create a separate username and password, all this is already available in one place, on the FNB App. For added convenience, the Scan to Pay feature is available via Android and iOS widgets, enabling you to access the feature directly from your devices home screen.

How do I pay using Scan to Pay?

Option 1

  • Log in to the FNB App
  • Select the QR code icon on the top right of the screen

Option 2

  • Log in to the FNB App
  • Go to 'Pay' and select 'Pay' followed by 'Scan to Pay'.

How do I add a widget?

Android

  • Open 'Widget Home Screen' & select 'FNB App'
  • The FNB App will open and select 'Scan to Pay'
  • Wait for widget setup confirmation & select 'Close'

iOS

  • Swipe left to right on your device to access your widgets and scroll down to select 'Edit'
  • Add the 'Scan to Pay' widget, move it to the top of the list and select 'Done'
  • Select the widget to complete the set up and select 'close' on the success screen

Will Scan to Pay work on my phone?

Scan to Pay is not limited to a specific phone type or operating system. Scan to Pay is available on any smartphone that the FNB App is downloaded on.

What is the cost of Scan to Pay?

Scan to Pay is part of the FNB App which is free. Transactions are handled as card transactions and therefore there are no additional fees. Doing a transaction will use almost no data, the same as a WhatsApp message.

What are the benefits of Scan to Pay?

  • Scan to Pay is integrated into the FNB App which makes it both convenient and safe, no need to download another app and include your card details on that app.
  • Scan to Pay further enables a cashless lifestyle. Whether you buy coffee, something at a weekend market, or paying a bill, Scan to Pay will work for you.
  • The FNB App allows you to pay without cash, or a physical card at the point of purchase, It is safe and you don't need to worry about having multiple apps for different QR codes.
  • Fewer apps occupying your all-important phone storage and using your data
  • Furthermore, added security features such as app login with password or biometrics make the Scan to Pay feature one of the safest ways to pay.

Where can I use Scan to Pay?

At most local or international merchant/retailer with a QR code for you to Scan, e.g. Masterpass, and PayFast.

Is it safe to pay with Scan to Pay?

Absolutely yes! Scan to Pay can only be used after you have logged into the FNB App with your password or biometric.

Will I earn eBucks for Scan to Pay transactions?

Scan to Pay transactions are seen as card transactions and the same eBucks rules and rewards level allocations will apply for these transactions.

Will I be able to use my new card for Scan to Pay?

Yes, once your card is activated it is automatically added to the FNB App and will be available on your list of cards to be selected for Scan to Pay transactions. Your card needs to be allowed for online purchases in order to also be allowed for Scan to Pay transactions.

What should I do if I see a Scan to Pay transaction that was not done by me?

The same process will have to be followed as for any unauthorised card transaction. Please contact the disputes/fraud department immediately on the following numbers:
South Africa: 087 575 9444
Outside South Africa: +27 11 369 2924

What will I need the numbers displayed underneath the QR code image for?

These numbers can be entered in the event that your phone camera is not working or unable to scan the code at that time. A feature allowing for the manual capture of these codes will be introduced later.

Up to what limit can I use for Scan to Pay transactions?

The same limits that apply for card transactions will also apply for Scan to Pay transactions.

What must I do if I get an "invalid QR code" error?

This means that the QR code might have been scanned incorrectly. First try to scan the code again. If the error persists, then it is possible that the QR code may be invalid or one of the very few unsupported QR codes

 

 

How it works

To make a payment in-store, unlock your smartphone with your device passcode (pattern, password, PIN, or fingerprint) and tap your phone on the card machine.

Once the transaction is completed your phone will vibrate and you will receive a push notification from the FNB App.

For payments over a certain amount, you may need to enter your PIN on the card machine. Your virtual card has its own pin. Find it under the cards tab on the FNB App.

How it works for Android users

How it works for iOS users

 

Information for merchants

Set up your business for contactless payments

If you already accept credit or debit cards, all you need is an industry standard contactless-enabled point-of-sale (POS) terminal that facilitates retail or forecourt transactions in a merchant environment. Don't forget that we also have other Merchant Services products that can assist you with Tap to Pay.

Paying and getting paid should be one less thing you should worry about.

SpeedPoint®

 

Set up your virtual card

Load your Global virtual card onto a partner wallet to transact easily abroad. Spending when travelling is more secure with a virtual card - whether shopping online or at merchants enjoy more convenience and security.

Setting up your virtual card is quick and easy.

  • The dynamic CVV changes hourly to increase security while shopping online.
  • You can create multiple cards - at no additional cost to you - for each account, to help you better manage your spend.

Simply log onto your banking app or Online Banking to set up your account. Activate your virtual card on your banking app in 5 easy steps:

  1. Select the 'Cards' icon
  2. Select 'Add Card'
  3. Select 'Create virtual card'
  4. Select your FNB Global Account
  5. Tap 'Submit'

Virtual cards are easy to create, cancel, and can be temporarily blocked at any time on the FNB App.

You can add your virtual card on Google Pay, Apple Pay, FNB Tap to Pay, Samsung Pay, Garmin Pay, Fitbit Pay, and SwatchPAY!

Visit partner wallets Visit FNB Virtual Card for more information

 

Set up your virtual card

Spending when travelling is more secure with a virtual card - whether shopping online or at merchants. Simply load your global virtual card onto a partner wallet so you can easily tap to pay abroad and earn up to 4% back in eBucks.

Setting up your virtual card is quick and easy.

  • The dynamic CVV changes hourly to increase security while shopping online.
  • You can create multiple cards - at no additional cost to you - for each account, to help you better manage your spend.
  • Virtual cards are easy to create, cancel, and can be temporarily blocked at any time on the FNB App.

Simply log onto your banking app or Online Banking to set up your account. Activate your virtual card on your banking app in 5 easy steps:

  1. Select the 'Cards' icon
  2. Select 'Add Card'
  3. Select 'Create virtual card'
  4. Select your FNB Global Account
  5. Tap 'Submit'

Virtual cards are easy to create, cancel, and can be temporarily blocked at any time on the FNB App.

You can add your virtual card on Google Pay, Apple Pay, FNB Tap to Pay, Samsung Pay, Garmin Pay, Fitbit Pay, and SwatchPAY!

Visit partner wallets Visit FNB Virtual Card for more information

 

Set up your virtual card

Simply log onto your banking app or Online Banking to set up your account. Activate your virtual card on your banking app in 5 easy steps:

  1. Select the 'Cards' icon
  2. Select 'Add Card'
  3. Select 'Create virtual card'
  4. Select your FNB Global Account
  5. Tap 'Submit'

Virtual cards are easy to create, cancel, and can be temporarily blocked at any time on the FNB App.

You can add your virtual card on Google Pay, Apple Pay, FNB Tap to Pay, Samsung Pay, Garmin Pay, Fitbit Pay, and SwatchPAY!

Visit partner wallets
Visit FNB Virtual Card for more information

 

Convenient Bill Payments

Benefits

  • Pay your bills (EasyPay or Pay@ bills for municipal rates, electricity, taxes etc.) from your banking app or via cellphone banking (USSD).
  • Secure and seamless payments as there is no need for you to manually capture card details.
  • Multiple billers can be located and paid on one trusted platform. No need for the customer to have multiple apps.
  • You can earn more eBucks when completing card payments.
  • Simple and intuitive customer experience.
  • Complete control over outstanding bills and payments.

 

Download the FNB App

 

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