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 Business

Product shop

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)


FNB Cash Advance 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 Enterprise and supplier development Business Hub eBucks Rewards for Business DocTrail™ CIPC Integration Channel 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

KYC / FICA Debit order + recipient switching Electronic Alerts

Switch to FNB

Product Shop

Corporates + Public Sector

Corporate Public Sector

Switch to FNB

Product Shop

Private Banking

Private Banking

All savings + investment accounts

Cash deposits

Notice deposits Immediate access Access to a portion Fixed deposits

Share investing


Tax-free investing

Tax-free accounts

Funds/unit trusts

Ashburton specialised products

Invest abroad

Offshore products

I want to save for

Personal goals Child's education Emergencies Tax-free

Compare similar


Additional options

Show me all Help me chosse Find an advisor

Financial planning


Find a branch

An account exclusively for the single-person business owner

Before we get started with the application process, we would like to ensure that this is the best account for you.

As a digitally savvy sole proprietor, do you:

  • Have a business that is not registered with CIPC (Companies and Intellectual Property Commission)?
  • Own and run your business by yourself?
  • Make all the decisions yourself, as the business owner?
  • Accept all risks associated with your business?

Then you are eligible for the FNB First Business Zero Account

Not a sole proprietor?

QR Speedpoint®

Get paid with QR Speedpoint® available on the FNB App. Simply generate a QR code to accept payments on the go, PLUS there are no sign-up or monthly fees.

View QR Speedpoint® page

Get rewarded with an FNB Connect SIM

What you can enjoy with FNB Connect

  • No long term contracts. FNB Connect offers a wide range of month-to-month SIM plans.
  • You can manage your own SIM without any hassle. Port your number, activate your FNB Connect SIM and more, all on the FNB App.
  • As an FNB Customer you automatically qualify for: Complimentary data, voice minutes and SMS's every month.
  • Extensive Nationwide coverage around South Africa.

Get rewarded:

All new to FNB Connect Customers will get a complimentary once-off data, voice minutes and SMS allocation loaded within 5 working days of activating your FNB Connect SIM.

What you get:

  • 1GB data (once-off)
  • 35 voice minutes
  • 35 SMSs

Perform at least one transaction on your First Business Zero Account every month and get the following at no extra cost to you:

  • 400MB data
  • 35 voice minutes
  • 35 SMSs

To receive your free monthly FNB Connect SIM bundle you will need to:

  • Activate your FNB SIM
  • Activate your account by transferring R500 into it to receive your first allocation
  • Perform a minimum of one transaction on your First Business Zero Account every month (perform a transaction on the FNB App or Online Banking or via card swipe or via a deposit)
  • Only one FNB Connect SIM per commercial entity will be eligible for Connect Rewards.
View FNB Connect Rewards FAQs

Your debit and SIM card will be delivered by courier.

Manage your cash flow

Our FNB Business Call Account is designed to meet the needs of business owners, by helping you manage your cash flow and derive higher benefit from your cash while still enjoying instant access. By using the FNB Business Call Account you can ring-fence your surplus cash from your day-to-day spending ensuring that your cash is working for you (by earning interest) until you need it. Use the account to build up cash reserves, which are essential to your business.

Account features

  • Minimum opening deposit of R1.
  • Regular transfers allowed.
  • Linked to your transactional account.
  • Bank your change option.
  • Capital and quoted returns are guaranteed.


  • Calculated daily and paid monthly.
  • Interest rates may fluctuate.
  • Balance tiered.
  • You can view interest rates on

Published at 2023-05-26

Balance Rate Effective Rate
R1 - R19 999 6.50% 6.70%
R20 000 - R99 999 6.75% 6.96%
R100 000+ 7.00% 7.23%

Nominal rate per annum (NACM): This is the annualised interest rate that you will earn daily and is capitalised monthly. This rate does not take into account the compounding interest effect.

Annual Effective Interest rate: Annualised interest rate that takes into account the compounding interest effect for one year assuming interest is not withdrawn.

Money in

  • Add any amount at any time via EFT or transfer via Cheque Account.
  • Schedule transfers allowed into the account.
  • No cash deposits.

Money out

  • Unlimited transfers to the transactional account
  • Minimum account balance of R0. (Withdraw all the funds without closing the account)


  • No monthly account fees apply.


  • No debit orders allowed.
  • No card issued on product.
  • Not a transactional account.


  • Enjoy instant access.

First Business Zero | R0 - R5m turnover per annum

Designed exclusively for sole proprietors

A sole proprietor is a type of business that is owned and run by one person. There is no legal distinction between the owner
and the business entity. With First Business Zero you pay a zero monthly account fee and get free unlimited card swipes.

Transact on the FNB App any time, anywhere.


First Business Zero is a digital solution designed just for you.

As a sole proprietor who owns and runs your business by yourself, we understand the challenges and time constraints that come from working 'on' your business whilst working 'in' your business. Your are constantly on the move, wishing you had more hours in the day to get through everything.

Opening a First Business Zero Account is simple. Open the FNB App, select 'First Business Zero Account', upload your documents and start transacting.


First Business Zero is more
than just a bank account

Zero monthly account fee

Pay no monthly account fee and enjoy unlimited free card swipes.

Fast payments

Accept payments with QR Speedpoint® available on the FNB App.

Read more

Connect Rewards

Get rewarded with data, voice minutes and SMSs every month on your FNB Connect SIM.

Read more

Manage your cash flow

Transfer any additional cash into your FNB Business Call Account.

Read more

Get business coaching

Access a free business coach any time, anywhere with Fundaba on the FNB App.

Read more

Create & pay with your own
virtual card

The FNB Virtual Card on the FNB App is a faster, safer and more secure way to pay for online and in-store purchases wherever you are in the world. You can also create an unlimited number of cards at no additional cost to use as you need them.


It's safe

Your CVV number changes every hour. Create, cancel, delete or block your card at any time.

It's convenient

Virtual cards can also be used for FNB Pay (Tap to Pay, Scan to Pay) and all partner wallet transactions, including Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay, without the need for a physical card.

Applying made easy

First Business Zero Account

Qualifying criteria

First Business Zero is designed exclusively for sole proprietors.

Sole proprietorship is a type of business that is owned and run by one person. There is no legal distinction between the owner and the business entity. A sole proprietor is a business not registered with CIPC (Companies and Intellectual Property Commission). The sole proprietor business owner accepts all risks associated with the business and makes all the business decisions by themselves.

Other business types have access to our Gold Business Account as an alternative.

How to get it

Apply Now