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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

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By Turnover

First Business Zero (R0 - R5 million p.a) Gold Business (R0 - R5 million p.a) Platinum Business (R5 million - R60 million p.a) Enterprise Business (R60 million - R150 million+ p.a)


Business Accounts Credit Cards Cash Solutions Merchant Services eWallet Pro Staffing Solutions ATM Solutions Ways to bank Fleet Services Guarantees

Savings and Investments

Save and Invest 3PIM (3rd Party Investment Manager)


Overdraft Loans Debtor Finance Leveraged Finance Private Equity Vumela Securities Based Lending Selective Invoice Discounting Asset Based Finance Alternative Energy Solutions Commercial Property Finance Fleet Services



For my employees

Staffing Solutions Employee benefits

Forex + Trade

Foreign Exchange International Trade Structured Trade + Commodity Finance Business Global Account (CFC account)

Value Adds + Rewards

Connect my business the dti initiatives Business Hub eBucks Rewards for Business DocTrail™ CIPC Instant Accounting Solutions Instant Payroll Instant Cashflow Instant Invoicing SLOW 24/7 Business Desk FNB Business Fundaba nav» Marketplace Prepaid products Accounting integrations

Industry Expertise

Philanthropy Chinese Business Islamic Banking Agriculture Public Sector Education Healthcare Franchise Motor Dealership Tourism

Going Global

Global Commercial Banking

Financial Planning


Bank Better

Demos KYC / FICA Debit order + recipient switching Electronic Alerts

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Product Shop

Corporates + Public Sector

Corporate Public Sector

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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.


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


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