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Free Bank Your Change®

Bank Your Change® helps you save money as you spend it. Bank Your Change® is where we round each transactional account card purchase value up to the nearest rand and transfer the difference between your purchase amount and that amount into your Savings Account. It's free to activate and its free of fees.

You can transfer by choosing a top-up amount of R2, R5, R10, R20 or R50. Each swipe adds that amount from your transactional account to the cents you've saved on your purchases, into your Savings Account.

How does Bank Your Change® work?

Get immediate access to your savings at no fee

  • Simply transfer funds to your transactional account via Cellphone Banking, Online Banking, the FNB Banking App or in-branch.

Sound good to you?

To start saving now, call 0860 327 827
Terms, conditions and rules apply.

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For everyday
expenses

Credit Card

  • up to 55 days interest free
  • Free Comprehensive Travel Insurance when you book your return bus, train or plane tickets
  • Free Automatic Debt Protection

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For emergencies

Overdraft

  • Always there when you need it
  • You only pay for it when you use it and it stays available for when you

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Big purchases and expenses

Personal Loan

  • Fixed monthly repayments to help you budget
  • Choose to pay if off over 1 to 60 months
  • No penalties for early settlement

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Buying or building a home

Home Loan

  • Get up to 105% finance
  • Apply on nav» Home and track your application
  • Instant pre-approval

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Articles on how to be moneywise and more

Travel with peace of mind


FNB and eBucks are here to help you go a little further this holiday with amazing rewards, benefits and deals. Whether you're having a vacation or staycation, make every trip you take a rewarding one.


 
Read more

Protect yourself and your loved ones


Creating wealth is not just about saving and growing your money, it's also about protecting your family when you are no longer able to. Life is unpredictable, and ensuring that unforeseen and unwelcome life events don't derail your plans to build a secure financial future is critical.


 
Read more

Draft a Will for free with FNB


If you have children or dependents, then a Will is probably the most important document that you will ever sign in your life. When you sign a Will, you are saying what you want to happen to your money, your assets and most importantly who will be looking after your minor children or dependents should you pass away. A Will also forms the foundation of your financial planning.


 
Read more

Be more. Do more. With the right credit solutions.


At FNB, we know that you have dreams and ambitions. You want to get the most out of your money so that you can achieve more. But we also understand the realities of daily life and know that sometimes you need a little bit of extra help. Whether it's taking care of everyday expenses, unexpected expenses or making major purchases.


 
Read more

Tips for drafting your Will


Your Will is a legal document, so we recommend you get professional help when drafting it.


 
Read more

Helping youth to be moneywise


Children are keen observers. From a very young age they learn to manage life and money by watching their elders.


 
Read more

Be moneywise so you can do more and be more


Building habits, especially when you're young, is important for long-term success.


 
Read more

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Tips to help you gain better financial habits

Spoil yourself more

Get free access to 2-for-1 deals

Until 31 December 2019, we're covering your sign-up costs for the Entertainer App.* Live life without breaking the bank. From spas to gym, restaurants to hotels - you can enjoy 2-for-1 specials.


*Terms, conditions and rules apply.


 

Let us help you get where you're going

With FNB Gold, we'll help you save for your goals. Let's turn your trickle of savings into a river of wealth, with a free Savings Account linked to your Gold Cheque account.



 

Be more financially fit

Save and invest more without compromising on day-to-day living

With nav>> Money you can keep track of your spend, so you always know how much you can save.



 

Keep track of your credit health

Managing your cash starts with spending less than you earn. It's the most important money discipline and the only way to work towards a healthy financial future.



 

Beat the craving and get rewarded

With FNB Gold, you now get up to 15% back in eBucks when you purchase at KFC.*

*eBucks Rewards terms, conditions and rules apply.



 

Helping you save with every swipe

With FNB Gold and Bank Your Change®, we round up your spending and automatically save the difference. Helping you grow your savings while you spend.



 

Get verified statements right here on your app

With FNB Gold, you can download a verified statement right now on your app.

- Select statements
- Select the account you want
 

Get out of town and get rewarded

With FNB Gold, you now get up to 40% back in eBucks when you purchase any bus rides with Intercape.*

*eBucks Rewards terms, conditions and rules apply.



 

Be more in control

with 24/7 banking on the FNB App

With FNB Gold, you can manage your cards easily on the app. You can activate your card, order new cards, change your card limit, and view or change your card PIN.



 

Stay informed

with the FNB App

With FNB Gold, you are always notified with inContact messages notifying you about all your transactions and debit orders on the app.



 

Earn more rewards

for doing the things you do every day

You could earn more eBucks back than what you pay in bank fees. We have created an easy-to-use tool to show you how to maximise your eBucks.*


*eBucks Rewards terms, conditions and rules apply.


 

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FNB Gold benefits

Up to

15% back

in eBucks on health and beauty purchases at Clicks

 

Up to

40% back

in eBucks on Netflix & Spotify subscriptions when your family banks with FNB

 

Up to

R4/litre back

in eBucks at Engen when you have accepted the nav» Car terms of use for your vehicle that is loaded on the FNB App under nav» Car

 

Earn and spend

your eBucks on the Mr D Food app

 

Get up to

1 GB, 30 voice minutes and
30 SMSs

every month, if you have an FNB Fusion Gold account

 

Up to

R8 back

in eBucks for fuel spend at Engen when your vehicle is financed with WesBank Toyota Financial Services or Volkswagen Financial Services

 

Enjoy a fresh

smoothie, coffee or up to R100 to spend

in-store at KAUAI every month

 

Up to

15% back

in eBucks on your KFC meals

 

Up to

40% back

in eBucks on your bus trips with Intercape

 

In-store swipes & shopping

Up to

1.5% back

in eBucks on any in-store swipes & online shopping with an FNB Fusion Gold or FNB Gold Credit Card

 

Simplified & customised

Up to

40% back

in eBucks on your FNB Life Simplified, Life Customised and Dynamic Life» Home premiums every month

 

Protect series

Up to

15% back

in eBucks for FNB Funeral and Accidental Cover and Health Cash Plan

 

Flights and car rental

Up to

40% back

on selected flights and car rental for you and your family with eBucks Travel

 

Free access to

2-for-1 deals

Free access to the Entertainer app and deals for restaurants, gyms, spas, experiences and more

 

Free breakfast or burger

Every 3 months at Wimpy at Engen 1Stops, when you're on eBucks level 2 and above

 

Up to

15% back

in eBucks when you shop at Shoprite & Checkers

 

FNB Connect

Up to

15% back

in eBucks on your FNB Connect SIM card spend

 

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We're here to help

Get 24/7 help on Secure Chat on the FNB App or call our dedicated Gold Service Suite on 087 575 4653.

FNB Gold

More help so you can do more and be more

Chasing your full-time goals is a full-time job. That's why FNB Gold gives you full-time help.

View the latest pricing guide

We help you set up your account

To get the most out of FNB, make sure you complete the following

FNB App How-to guides

Read more

Switch your salary and debit orders

Read more

Download and link the FNB App

Read more

Activate your FNB card



A rewarding experience

eBucks has been designed to help you get more for your money, with FREE membership and up to 15% back in eBucks every time you swipe your card. Through our eBucks partners, you can do and get so much more through spending your eBucks on whatever you want.

Deposit a minimum of R5500 and log in to your FNB App every month to qualify.

As an FNB Gold customer, a range of other benefits is also available to you.

eBucks at a glance
View benefits
 

Banker in your pocket with the FNB App

To make things even easier for you, we offer you exclusive products/services and 24/7 help on our app.

On our FNB App

Money management

Tips and articles for better financial health

Tips

Simple tips to help you gain better financial habits and choose the right solutions for you.



View all tips

Articles

Read through a range of articles on how to be moneywise, and so much more.



View all articles

Let us help you reach your savings goals

Invest in the long term

Choose a Tax-Free Account, Notice/Fixed Deposit or Shares Account.



Set up automatic transfers into your savings account

Take out the hassle of remembering to transfer money every month with an automatic transfer into your savings account.



Save every time you swipe your card

Activate Bank your Change®.

Read more

We cater for the whole family

We help you look after more than just your day-to-day banking needs, ensuring that you and your family never need to worry about the future.

  • Protect yourself and your family from financial burden
    • Read more

Access to credit when you need it

We understand that sometimes you need a little bit of extra help, whether it's dealing with the tough months like January, buying a new home, renovating it or making other major purchases. That's why we offer you a range of solutions to best suit your needs and budget, with a personalised interest rate.

For everyday expenses
For emergencies
Big purchases and expenses
Buying or building a home

Free data, voice minutes & SMSs

Helping you make your money go even further

With your qualifying Fusion Gold account, you get up to 1 GB free data, 30 voice minutes and 30 SMS allocations on your FNB Connect SIM. Just another way FNB gives you more value!

*Free minutes apply to local calls only

Read more on how to get full benefit

Helping you made easy

For any questions, queries or information:

Chat to us any time, day or night, on Secure Chat on the FNB App

Or

Call our dedicated Gold Service Suite on 087 575 4653

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