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Guarantee hub


Helping you with successful & safe transactions

A guarantee is an efficient solution FNB customers can use to enable trust between two parties in a transaction. The guarantee replaces the need for one party to provide another form of security such as cash.

What this is

A Local Guarantee is where a guarantee is issued to a beneficiary in South Africa, whereas a Foreign Guarantee is where a guarantee is issued to a beneficiary outside of South Africa.

FNB can issue guarantees directly to foreign beneficiaries or indirectly to foreign beneficiaries via a foreign bank.

Read more about the guarantees we offer in our Guarantees Brochure

Guarantees offered:




The benefits

Form of security

It replaces the need to provide other forms of security (such as a cash deposit), as the beneficiary knows they will be paid.

Investment growth

The security (such as a cash deposit) can be invested in an interest-bearing account.

Business growth

As the beneficiary relies on the guarantee, the transaction can proceed.

Business intent

Indicates the business standing of the Applicant as FNB is willing to underwrite their obligations.

Minimal admin

It removes the admin burden of getting the beneficiary to return security that has been provided.

Parties involved

Aimed at building trust

As a minimum, the following parties are involved

The party who relies on the guarantee as security against the risk of non-performance/default by the applicant

The party applying for the issuance of a guarantee to cover the risk of their non-performance/default

The party who issues a guarantee on behalf of the applicant



Getting it made easy


Qualifying criteria

  1. Existing FNB Current Account
  2. FNB Online Banking

How to get it

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Other ways to apply

Contact us

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What is required

  1. The Guarantee application
  2. The sales contract will assist you in ensuring that the correct guarantee is issued