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FNB Connect

Earn up to 15% back in eBucks on your qualifying FNB Connect contract or when loading FNB Connect prepaid airtime (including Fixed LTE).

Visit www.fnbconnect.co.za or login to FNB Online Banking and select the FNB Connect tab.

Terms and conditions apply.

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Short-term credit solutions

Overdraft

Only pay when you use it! Overdraft is a short-term credit facility that can be used to cover unforeseen expenses or to serve as a safety net. You must have an active FNB Current Account to apply for an Overdraft Facility:

Easy access to a credit facility so that you can handle unexpected events
Monthly overdraft fee is charged upon utilization
No minimum monthly repayments as long as you remain within the agreed limit and make regular deposits (such as your salary) into your FNB Current Account.
Personalised interest rate based on your credit profile
Optional Debt Protection available in case of your death, permanent disability, retrenchment or temporary disability

Temporary Loan

A Temporary Loan is a short-term, easy to take up loan which is available for use immediately.

Immediate access to funds to cater for emergencies and cash-flow constraints
No applications forms to complete, and funds are immediately available in your FNB Current Account
The funds are immediately available in your transactional account
No interest will be charged for the Temporary Loan
Enjoy convenience: Any deposits made into your FNB Current Account from the day after taking up the loan may be allocated towards the payment of the loan
You may qualify for additional eBucks

Revolving Loan

Our Revolving Loan offers you a loan, based on your credit profile, for as long as you need it, as well as the ability to access your funds at any time - provided you have paid at least 15% of your original loan amount back.

No initiation fees
Fixed monthly repayments - making it easier for you to budget
You get a competitive and affordable, personalised interest rate
Optional Debt Protection available in case of your death, permanent disability, retrenchment or temporary disability

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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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Savings Account And Bank Your Change^™

Get a Savings Account to help you save for emergencies and unforeseen expenses. This is exclusive to individual current account holders. You get competitive interest rates, and immediate access to your savings when you need it.

Save while you spend, with Bank Your Change^®. Every purchase you make with your Debit Card will be rounded up and the difference paid to your Savings Account.

Save regularly by setting up a Schedule Transfer from your current account.

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Debit order and salary switching

Switch debit orders with a dedicated team to help you. Download the switching form

Debit order Disputes

If you have a debit order that you know you did not sign up for, you can dispute it in a few easy steps. You have the power to reverse and/or stop unauthorised debit orders for amounts of R200 or less anytime, anywhere via the FNB Banking App, Cellphone Banking or Online Banking. You will receive immediate reversal on an unauthorised debit order if you dispute it within 40 days of the transaction.

If you have an unauthorised debit order for an amount greater than R200 and would like to dispute it, you can call 087 575 9404 or visit your nearest branch for assistance.

Terms, conditions + rules apply

Salary Switching
It's easy to get your salary paid into your Islamic Private Wealth account. Having a minimum monthly deposit of R60 000 into your Islamic Private Wealth Account also gets you straight onto reward level 1 with eBucks Rewards.

All you need to do to have your salary paid into your account is this:

Download the switching form
Complete the Switch my Salary section of the switching form.

From there, we'll contact your employer and instruct them to switch your salary to your FNB account.

For more, contact 0860 102 970 or email debitorders@fnb.co.za

Terms, conditions and rules apply

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Courier card delivery

Replacing your card has become convenient with our Card Delivery service. You will no longer need to go to your nearest branch to collect a replacement card for the one that was lost, stolen or damaged.

Call 087 575 1111 for information on having your card delivered to where you are.

Delivery may take 3 to 5 working days. *Delivery fees apply for Classic, Gold as well as Petro Cardholders.

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Extended warranty

Cover whereby we will double the original manufacturer's warranty for goods purchased on your FNB Debit card.

Terms, conditions and rules apply.

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Global Travel Insurance

When you purchase your return travel tickets using your FNB Current or Credit Card, Global Travel Insurance will keep you covered no matter where you go in the world.

Which cards qualify for FNB's Global Travel Insurance?

FNB Premier Current Card
FNB Classic, Gold and Premier Credit Cards
FNB Private Clients Current Account and Credit Card
FNB Private Wealth Current Account and Credit Card

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?

To qualify for Global Travel Insurance you require a qualifying FNB Current or Credit Card with which to pay for your travel ticket

This offer is available to qualifying FNB Current and Credit Card holders who have not yet turned 71* who are below the age of 70* who are residents of any of the below countries:

South Africa
Botswana
Lesotho
Namibia
Swaziland

With Global Travel Insurance you get:

FNB Classic Credit Card:

Up to R500 000 cover for medical expenses
Cover in the event of accidental death, pre-existing medical conditions and total permanent disablement, cancellations, travel delays and lost, stolen or damaged baggage*
For more information view the Global Travel Insurance Policy together with the Classic Schedule of Benefits

Important Information and contact details
Please obtain a copy of the Travel Policy prior to travelling and ensure you fully understand its contents. The Travel Policy is obtainable below and from the Comprehensive Global Travel Insurance Help Desk. If anything is unclear, or you need help, please contact the Global Travel Insurance Help Desk on 0861 490 100 .

If you need assistance (from anywhere in the world) you can "reverse-charge" your call to Europ Assistance on the following number: +27 11 991 8409.

Terms, Conditions and Rules apply.

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Use your card abroad

Use your FNB card at any terminal displaying the Visa logo

Travelling has never been this convenient.

Wherever you go in the world, Visa ensures that you can access your cash to buy gifts, access services, enjoy leisure activities and more.

Terms, conditions and rules apply.

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FNB Banking APP

Discover fast, reliable and secure banking, whenever, wherever on the FNB App. Enjoy full control of your banking 24/7 without the need to go to a branch. Plus,the FNB App is free to use on all major networks. No data costs are charged no matter how many transactions or how long you use the app.

Do your day-to-day banking:

View and change your PIN
Temporarily block and unblock your card
View and download statements
Cancel and order a new card
View balance and transaction limits
Manage daily transaction limits
Report fraud immediately
Get access to your team of bankers with Secure Chat ®
Track your eBucks rewards

You can also buy:

Prepaid Airtime
Data Bundles
SMS Bundles
Prepaid electricity
iTunes Vouchers

You also get additional features that include:

Managing your eBucks account and finding partners
Buying vouchers
Redeeming coupons
Access to conveniently located FNB branches and ATMs

Visit your App Store to download the FNB Banking App today. Just register and you're on your way.

Downloading the FNB Banking App is compatible with Android™, Apple™,BlackBerry™ and Nokia™ Symbian devices*.

For queries, email: fnbappsupport@fnb.co.za

To find out how to link your device call: 087 575 0362

View the software license agreement and remote banking agreement

*Android devices include HTC, Samsung, LG, Motorola, Sony Ericsson and Huawei.

BlackBerry devices include the Torch, Storm, Bold and Curve that are OS5 or higher

Terms, conditions, rules and standard network rates apply.

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Global Account

FNB Global Accounts make offshore investment easy, simple and convenient. It allows you to hold your individual foreign allowance in the currency of your choice - and it is as simple as transferring funds from your FNB Current Account into your Global account via Online Banking...just login, transfer and you are done.

With a Global Account you can:

Invest in one of the currencies on offer via your FNB Current Account
Make payments to offshore beneficiaries
Do transfers between your Global Accounts
Keep funds relating to your authorised offshore assets in foreign currency
Convert from a foreign currency into Rand or other Global Account currencies
Set up and manage offshore beneficiaries
View balances and transaction history

What Global Accounts offer me:

No monthly fees
Global Accounts offer you a hedge against currency risk
Earn interest on your Global account (No minimum balance required)

Interest Rates

Currency	Interest Rates (per annum)*	Balance
US Dollar	0.15%	No minimum balance required
Euro	0.00%	No minimum balance required
GBP	0.15%	No minimum balance required
Australian Dollar	0.45%	No minimum balance required
Indian Rupee	2.50%	No minimum balance required
Chinese Renminbi	0.00%	No minimum balance required

*Rates subjected to change without prior notification.

Making offshore payments from your Global account is now as simple as 1,2...

Set up your beneficiary using the 'Forex' tab on your FNB Online Banking Profile
Capture all payments details and make the payment from your Global Account

Open your Global Account within 3 minutes

Log on to your FNB Online Banking profile
Click on the 'Forex' tab
Select 'Global Account' in the Forex 'menu'
Choose your currency, and confirm your details

To open a Global Account you must be:

A South African Resident
A tax payer
18 years or older
The holder of a qualifying FNB Current Accountwhich is in good standing

Global Accounts: Frequently Asked Questions

View our FAQs

What will it cost?

Prevailing quoted Exchange Rate .

For more information on Forex rates and prices:

FNB Pricing Guide

Legal

Global Accounts Terms and Conditions .

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inContact

A free electronic messaging system sending transaction notifications to your smartphone.

inContact offers you the ability to:

Identify any unauthorised transactions on your accounts and report fraud immediately.
Receive messages for transactions on accounts that belong to you only.
Set your desired amount from as little as 1 cent and get notifications on the FNB App of money going in and out of your account.
Manage the funds in your accounts.
Receive messages with details of your multiple debits that are processed overnight, e.g. debit orders, stop orders and scheduled payments.
Customise the notifications received. You can:
- Choose when you want to receive your messages - during the day (7am - 8pm) or 24 hours a day
- Choose to be notified of any transactions that exceed an amount specified by you
- Choose how to receive notifications - via SMS, email or both
- Choose which accounts you want to link to inContact

inContact will not send messages for transactions on accounts you access via a link or mandate. You can register for this service at any FNB branch.

Decline inContact messages are an innovative and convenient method of advising customers of why their transactions have been declined. These messages are identical to normal inContact notifications and this service is also free.

Terms , conditions and rules apply.

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Decline inContact

Helping you understand your declined transactions

Decline inContact is an innovative, free service that lets you know the reason why a card transaction had been declined.

Decline inContact suggests a remedy for each decline, putting the power back in your hands.

This service is absolutely free and no registration is necessary.

Should you ever require additional information on a declined transaction, please call the number on the back of your credit card.

Terms, conditions and rules apply.

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Lost card protection

Report a lost or stolen card within 24 hours of the incident to a dedicated, toll free, 24 hour hotline and FNB will assist in the event of a non-PIN related fraud incident on your account before the card is cancelled.

Should your card get lost or stolen, call the Lost Card hotline immediately on 087 575 9406

Terms, conditions and rules apply.

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Online Secure

Protect your card against fraudulent use online. Online Secure uses a One Time PIN (OTP) that is sent to you and comes at no extra cost. To activate Online Secure on your card, you must be an Online Banking user.

Activate your card by logging on to your Online Banking profile and following these prompts:

Log in to FNB Online Banking
Select the My Bank Accounts sub tab
Select the card you would like to activate
Select Activate Now under the Online Secure column
Click I accept and agree to the Disclaimer above
Select Finish on the Activation Results screen

How to use Online Secure when shopping online:

Once activated, proceed to the checkout
Type in your 16-digit card number when prompted
You will then be prompted for a One Time PIN (OTP), which you will receive via SMS
Finalise your purchase

Online Secure FAQs

Consumer Disclaimer

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FNB Banking APP

Discover fast, reliable and secure banking, whenever, wherever on the FNB App. Enjoy full control of your banking 24/7 without the need to go to a branch. Plus,the FNB App is free to use on all major networks. No data costs are charged no matter how many transactions or how long you use the app.

Do your day-to-day banking:

View and change your PIN
Temporarily block and unblock your card
View and download statements
Cancel and order a new card
View balance and transaction limits
Manage daily transaction limits
Report fraud immediately
Get access to your team of bankers with Secure Chat ®
Track your eBucks rewards

You can also buy:

Prepaid Airtime
Data Bundles
SMS Bundles
Prepaid electricity
iTunes Vouchers

You also get additional features that include:

Managing your eBucks account and finding partners
Buying vouchers
Redeeming coupons
Access to conveniently located FNB branches and ATMs

Visit your App Store to download the FNB Banking App today. Just register and you're on your way.

Downloading the FNB Banking App is compatible with Android™, Apple™,BlackBerry™ and Nokia™ Symbian devices*.

For queries, email: fnbappsupport@fnb.co.za

To find out how to link your device call: 087 575 0362

View the software license agreement and remote banking agreement

*Android devices include HTC, Samsung, LG, Motorola, Sony Ericsson and Huawei.

BlackBerry devices include the Torch, Storm, Bold and Curve that are OS5 or higher

Terms, conditions, rules and standard network rates apply.

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Online Banking

Bank safely and securely 24/7 with Online Banking.

Online Banking is the convenient, real-time way to access your accounts. Pay, transfer, trade and invest using easy online navigation - all from the comfort of your couch.

Banking Online is:

Convenient. You can do most things via Online Banking that you can do in a branch.
Secure. Keep track of your transactions with free inContact, OTP notifications and online protection software.
Simple. All you need is an FNB bank account and access to the internet.

When using your Online Banking, you pay no data fees.

With Online Banking you can do your day-to-day banking:

View detail balances and transactions
Transfer funds between accounts
Stop/reverse debit orders on Mobile and eChannels
Make payments
Manage recipients
Send Money
Download account statements

You can also buy:

Prepaid Airtime
Data Bundles
SMS Bundles
Prepaid electricity

You can use Connect to:

Link your FNB Banking App to your Online Banking profile

You can take control and protect your account by:

Managing your FNB cards
Viewing/updating your PINs
Activating/Updating Online Secure

You also get additional features that include:

Managing your eBucks account and finding partners
Getting personalised offers for upgrades and limit increases
Ordering new smartphones and tablets
Opening new accounts in under ten minutes
Buying and selling Krugerrands

View our How to register for Online Banking demo

Terms, conditions + rules apply.

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Team of Premier Bankers

Make the most of your money.

Premier offers you a specialised team of Premier Bankers to help you control your finances.

We offer premier guidance through the world of banking to simplify your banking experience.

To find out more about Premier, call us on 0875 777 000, between 8 am and 6 pm Mondays to Fridays,
and between 8 am to 1 pm on Saturdays.
We are closed on Sundays and public holidays.

Terms, conditions and rules apply.

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Branches + ATMs

Show branches which allow bookings
Show branches not affected by loadshedding
Show branches with extended operating hours
Show branches with wifi

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Cardless cash

Locating a misplaced wallet takes time.
Your banking shouldn't.

Use the FNB Banking App to withdraw cash when you need it most.

View demo

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Cardless cash

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To qualify for extra data

Spend R100 or more on your FNB Connect SIM Card
Seniors 60 years of age and above will receive 1GB Extra every month on their FNB Connect SIM Card (irrespective of eBucks Level) when they meet the minimum spend of R100.
Customers that do not qualify for eBucks will get 200MB of extra data each month on their FNB Connect SIM Card when they meet the minimum spend of R100. (max 3 allocations)

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Why do I need this?

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Debit order and salary switching

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Extended warranty

Global Travel Insurance

Use your card abroad

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Global Account

inContact

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Savings Account And Bank Your Change^™