Please select


For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Please select


For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Switch to FNB

Product Shop

Corporates + Public Sector

Corporate Public Sector

Switch to FNB

Product Shop

Private Banking

Private Banking

Estimated loan 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.

Overdraft


Get an overdraft to help you manage your money better

Alternatively, migrate to an FNB Fusion Account which is a day-to-day transactional account with a credit facility of up to 30 days interest free on card purchases.

Get the FNB Fusion Account

 

How it works


Only pay when you use it

  • Use your credit facility for free up to R200 and only get charged a monthly fee when you spend R200 or more
  • Cash available for immediate usage
  • Personalised debit interest rate

Alternatively, migrate to an FNB Fusion Account the all-in-one bank account and save on fees, plus get up 30 days interest-free on card purchase. Earn maximum eBucks rewards and get a discounted monthly Fusion Account for your spouse/partner.


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

View detailed breakdown

Applying made easy


Overdraft

Qualifying Criteria

  1. FNB customer with an active FNB Cheque Account
  2. Be 18 years or older
  3. Be a South African citizen
  4. Pass affordability and credit scoring assessment

How to get it

Apply now!

Other ways to apply

FNB App and ATM

Contact us

View demos

Complete the call me back form

Contact us

Address FNB Bank City, Cnr Simmonds & Pritchard Street, Johannesburg, 2001

Documents needed

  • Green bar-coded South African ID Book/ID Card
  • Latest 3 months' statements/3 months' payslips
  • Proof of residence