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Financial planning

Overview

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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

For online purchases and subscriptions - no need for a physical card. Add unlimited virtual cards for FREE.

Earn eBucks

Make your money go further and earn eBucks while you spend online.

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Comprehensive Global Travel Insurance

Global Travel Insurance, at no charge, will keep you covered no matter where you go in the world, when you purchase your return ticket(s) using your FNB Debit, FNB Fusion, Credit Card or eBucks. You will get up to R 5 million cover for the first 90 days of your trip. What's more is we will cover up to 8 travel tickets for your travel companions too.


Why do I need this?

Save on your insurance and be conveniently covered for the first 90 days of your journey.

How do I get Global Travel Insurance at no charge?

To qualify for Global Travel Insurance at no charge, you require a qualifying FNB Debit, FNB Fusion or Credit Card with which to pay for your travel ticket.

Process

  • Purchase your return travel ticket(s) using your qualifying FNB card
  • Obtain your policy by:
    • Contacting the Global Travel Insurance Help Desk on: 0861 490 100 or visit www.tic.co.za/fnb
    • For emergency assistance while on travel contact Medical Services Organisation (MSO) on: +27 11 521 4575 ('Reverse-charge' your call using this number from anywhere in the world)

This offer is available to FNB Debit, Fusion or Credit Card holders below the age of 75 who are residents of any of these countries: South Africa, Lesotho, Namibia and eSwatini.

With Global Travel Insurance you get:

  • Up to R5 million cover for medical expenses
  • Cover in the event of accidental death, pre-existing medical conditions and total permanent disablement

For more information view the Global Travel Insurance Policy together with the Schedule of Benefits

For assistance contact:
Global Travel Insurance Help Desk: 0861 490 100
Medical Services Organisation (MSO): +27 11 521 4575 ('Reverse-charge' your call using this number when from anywhere in the world)

If you are over 74, FNB provides a specific type of insurance to suite your needs. For more information view the Global Travel Insurance Policy . These documents are also available from the Global Travel Helpdesk

Please ensure you have a copy of this Travel Policy prior to travelling and ensure you fully understand it.

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AA Emergency Roadside Assistance

We're here to help you


Benefits included:

AA Patrol & battery Services:
This service is available 24/7 to assist with on-the-spot mobility at side of the road.

  • Flat tyre change
  • *Out of fuel - Provision of fuel to a maximum of 10 litres
  • Jump-start
  • *Mobile battery sales
  • Key lockout service
  • Minor roadside running repairs, includes electrical, coil, immobilizer, battery related breakdowns where possible.

AA Locksmith Services:
This service is available 24/7 in the event that you lock yourself out of your vehicle AA will dispatch an accredited locksmith service provider to the incident scene to open the vehicle.

AA Mechanical and Electrical Breakdown Tow:
In the event of a mechanical or electrical breakdown and the vehicle requires a tow, the AA will arrange for the vehicle to be towed to the nearest accredited/preferred dealer/repairer/yard from the breakdown scene.

AA Accident Management:
In the event of an accident, the AA will arrange for the vehicle to be towed from the accident scene to the destination indicated by the Insurance Company

Courtesy Services:
In the event that your vehicle has broken down more than 100km from home we will pay for 24-hour Car hire OR Overnight accommodation

AA Mayday Emergency Medical Assistance:
Emergency medical evacuation to a suitable medical facility in the event of a medical emergency. The service is available nationally and the service is provided by Netcare 911.

Stand by You:
An armed ADT Security response officer at the incident scene, to secure the scene and wait with the customer until the AA technical service arrives.


How to use AA Emergency Roadside Assistance Service

In an emergency please call 0860 70 60 50 and supply your name, surname, ID number and Card number to the consultant

* The Cardholder is responsible for the cost

Terms and conditions apply

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Rewards that bring you value!

As an FNB Fusion Gold client you have free membership to the eBucks Rewards programme.

  • Earn up to 15% back in eBucks on your qualifying FNB Connect contract or prepaid purchases.
  • Earn up to 15% back in eBucks on your domestic Uber rides and Uber Eats orders.
  • Earn up to 1.5% back in eBucks whenever you swipe instore or internationally using your FNB Fusion Gold Card.
  • Earn up to 1.5% back in eBucks when you shop online using your FNB Fusion Gold Card.

For more information on the leading eBucks rewards programme and how it works, visit www.ebucks.com. Terms, conditions and rules apply.

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More Rewards

  • Earn up to 15% back in eBucks on your KFC spend
  • Earn up to 40% back in eBucks on your Intercape bus rides
  • Earn up to 4% back in eBucks on your FNB Global Debit card purchases
  • Double up your fuel with Engen: get up to R8 per litre back in eBucks at Engen
  • Earn up to 15% back in eBucks at Checkers & Shoprite
  • Wimpy vouchers every 3 months with FNB on the Go>
  • Earn up to 15% back in eBucks on KFC purchases.
  • Earn up to 15% back in eBucks on your Intercape bus rides.
  • Earn up to 15% back in eBucks on your qualifying FNB Life Insurance Protect Series premiums.
  • Earn up to R4 per litre for fuel back in eBucks, exclusive to Engen.
  • Double Up* your Fuel (Quarterly) and earn up to R8/litre back in eBucks on fuel spend at Engen.
  • Earn up to 40% back in eBucks on your FNB Life Insurance Simplified and Customised monthly premiums.
  • Earn up to 4% back in eBucks on your FNB Global Debit Card purchases.
  • Earn up to 50% back in eBucks on your transaction charges when you send or receive foreign currency online with Forex from FNB or on your transaction charges when receiving foreign currency regularly by authorising Forex to convert these funds on your behalf with a standing instruction.

*Ensure that you meet the qualifying criteria.

For more information on the leading eBucks Rewards programme and how it works, visit www.ebucks.com .
Terms, conditions and rules apply.

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Qualifying criteria

Annual salary between R84 000 - R450 000

Easily manage your Fusion Gold Account online, via the app or with Cellphone Banking

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Documents needed

  • South African ID book/ID card
  • Recent payslip
  • Proof of residence
  • Three months' bank statements

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FNB Fusion Gold Account

Visit your nearest branch to apply for your Fusion Gold Account.

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Day-to-day card purchases

You get full transactional capabilities and pay no credit facility fee, allowing for salary deposits, swiping for purchases, ATM withdrawals, EFTs, debit orders and a credit facility to top it off

Also worth a mention:

  • Unlimited free card swipes
  • Free FNB ATM cash withdrawals up to R2000 per month (including Cash@Till and cardless cash)
  • Free cash deposits at FNB ATM up to R2000 per month
  • 2 FREE eWallet sends via the FNB App
  • No data costs when you bank on the FNB App
  • Free electronic payments
  • Free prepaid purchases on the app/online
  • Access to a dedicated service suite 087 575 4653 to help manage your money
  • Get real-time help any time, day or night, via Secure Chat® on the FNB App

All in one convenience

FNB Gold Fusion

Your income must be between R84 000 and R299 999 per year.

Get a day-to-day transactional bank account with a credit facility of up to 30 days interest free on credit card purchases. Free 120 MB, 60 voice minutes and 60 SMSs on your FNB Connect SIM

Apply Now
Show me Gold Fusion
 

FNB Fusion Account benefits

  • Up to 30 days interest free on credit card purchases
  • Get a personalised debit interest rate on your credit facility
  • Get FREE data, voice minutes and SMSs on your FNB Connect SIM
  • Earn more eBucks rewards
  • Comprehensive Global Travel Insurance
  • AA Roadside Assistance
  • Debit order protection so you always have funds available for debit orders
  • Access to Online Banking and the FNB App
  • Bank Your Change with a FREE linked Savings Account
  • Debt protection on qualifying accounts
  • Earn up to R4 per litre back in eBucks at Engen

Save on your FNB Fusion Gold monthly account fee


Get a refund on your FNB Fusion Gold monthly account fee when you take up an FNB Fusion Gold Account + FNB Personal Loan


To qualify for R89 refund:

  1. You must be on eBucks reward level 1 or higher
  2. 80% of your personal loan debt must be with FNB
  3. You must have a personal loan with FNB for at least R10 000
  4. You must have an FNB Fusion Gold account

Free data, voice minutes & SMSs

Get more value

With your qualifying Fusion Gold account (including spousal pricing option),
you could get up to 1 GB free data, 30 voice minutes* and 30 SMS allocations on your
FNB Connect SIM each month. Just another way FNB gives you more value!

*Free minutes apply to local calls only

Read more on how to get the full benefit

Day-to-day card
purchases

A day-to-day bank account that offers up to 30 days interest free on card purchases.

You get full transactional capabilities and pay no credit facility fee, allowing for salary deposits, swiping for purchases, ATM withdrawals, EFTs, debit orders and a credit facility to top it off.

Rewards that pay!

As an FNB Gold Fusion client you have free membership to the eBucks Rewards programme.

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.

Applying made easy

Apply Now!
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Qualifying criteria

Documents needed

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For the retirees

FNB understands that life changes as you retire. We are here to help as you venture into this new life stage. Retired individuals can now share in the benefits of a solution designed specifically to cater your unique needs, post retirement.

Get more with retirement solution

Enjoy all the value that a Gold client brings together with additional benefits that retirement brings. As an FNB Gold client, if you invest R150, 000 you will get 50% off your monthly account fee or invest R250, 000 and get 100% off.

More Value - Less Fees

Get more

  • Earn preferential rates on your fixed deposits
  • Structure your retirement to suit your specific income needs with a Living Annuity.
  • Discount estate administration fee

More rewards

  • Double eBucks reward level points when you invest

More help

  • Free advice session to ensure you are on track
Find out more
First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).

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4 Merchant Place
Corner Fredman Drive and Rivonia Road
Sandton
2196

Postal address

PO Box 650149
Benmore
2010