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Financial planning

Overview

Overdraft

Helping you manage your money better

An overdraft can help you access additional funds when you need it the most. Enjoy the convenience of an overdraft for those unforeseen emergencies and extra responsibilities.

Helping you enjoy more ease
and convenience

Apply your way

You can easily apply for an overdraft via the FNB App.

Stay in control of your fees

Only pay for the overdraft when you use R200 or more.

Access funds when you need them

Upon application, cash is available for immediate usage.

Tailored interest

Get a personalised interest rate.

Understanding how it works

You need to have an active "qualifying" FNB transactional account to apply for an overdraft on the FNB App or Online Banking.

The interest rate is subject to customer profile and scoring, with a minimum interest rate of prime + 1% and maximum of NCA Max.

View detailed breakdown

Alternative solutions for you

Fusion

Get a day-to-day transactional bank account with a credit facility of up to 30 days' interest free on card purchases.

Find out more

Fusion

Select a Fusion account that suits you, your lifestyle and your financial bracket.

FNB Fusion Aspire

Required income: R84 000 - R449 999

Start with more and enjoy simplified everyday banking with a linked credit facility, more rewards and value.

Take me there

FNB Fusion Premier

Required income: R350 000 - R849 999

Enjoy all-in-one convenience with a day-to-day bank account, a linked credit facility and eBucks rewards every time you use your card.

Take me there

FNB Fusion Private Clients

Required income: R750 000 - R1 799 999

A well-rounded transactional account with a credit facility and a focus on financial management.

Take me there

FNB Fusion Private Wealth

Required income: R1 800 000illion or more per annum or R15 million net asset value

A relationship-banking focussed account that gives you all-in-one convenience with access to a dedicated private advisor and a linked credit facility.

Take me there

Estimated overdraft repayment

The estimated monthly repayment on a R50 000 credit limit at an interest rate of 17.5% per annum would be R798, which includes all service fees and interest.

FNB Overdraft offer example

Credit limit:	R 50 000.00
Initiation fee: paid upfront in cash/deducted from the credit limit	R0
Nominal Annual Interest Rate (Variable)	17.50 %	The interest rate is subject to the maximum annual variable interest rate allowed by the NCA.
Personalised Annual Variable Interest Rate	13.00 %	Should you conduct your Credit Agreement favourably (within the ambit of the terms and conditions) we may reward you with a rebate on the interest rate payable which is subject to customer profile and scoring.
Service fee	R 69.00 (includes VAT)	Charged if R200 or more of the facility limit is used.
Estimated monthly instalment payable (including capital, interest, fees and VAT)	R 798.00	Estimated minimum monthly repayment amount, including, interest, fees, and charges.
Estimated total of all instalments including capital interest, fees and VAT	R 59 578.00	This amount is calculated on the assumption that: a. Your interest rate does not change over the 12 month period b. On approval, you use the total Credit Limit c. You pay us the monthly instalment over a 12 month period d. You do not withdraw again up to the original Credit Limit.

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

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Additional options

Financial planning

Overdraft

Helping you manage your money better

Helping you enjoy more ease and convenience

Apply your way

Stay in control of your fees

Access funds when you need them

Tailored interest

Understanding how it works

Alternative solutions for you

Fusion

Fusion

FNB Fusion Aspire

Helping you enjoy more ease
and convenience