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Product Info

Incorporated businesses, partnerships, companies, close corporations, trusts and co-operatives

FNB Business Account

You get...


  • Access to My limit Alert

    Access to My Limit Alert

    Alerts you when your account has decreased to a minimum balance that has been selected by you..

    Terms and Conditions Apply.

  • Free email statements

    Linked Savings Account (Savings Pocket)

    Put money away and earn interest on money saved

    Save easily and conveniently with no added fees

    A Savings Pocket is linked to your account to keep your savings separate from your transactional account.

    Earn competitive interest on a positive balance in your linked Savings Pocket.

    Save easily and conveniently with no added fees.


    To activate the Savings Pocket on your account call 0860 32 78 27

    Terms and Conditions Apply.

  • inContact

    R1 000 Funeral Cover

    FNB understands the importance of life planning.

    We therefore offer you R1 000 funeral cover so that you have peace of mind that your family will have the financial means to cater for unforeseen expenses in the event of your untimely death.

    Terms and Conditions Apply.

  • inContact Pro

    Online Banking

    Bank anywhere, anytime, at your convenience

    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 as you can do most things that you can do in a branch.

    Banking online is secure. Keep track of your transactions with free inContact, OTP notifications and online protection software.

    Banking online is simple. All you need is an FNB bank account and access to the Internet.

    Visit to register.
    You no longer have to stand in queues, save time and money using Online Banking.

    How to register for Online Banking demo

    With Online Banking you can

    • Check balances on your accounts
    • Get email statements
    • Pay traffic fines
    • Make payments to third parties
    • Set up recipients
    • Pay public recipients
    • Make once-off payments
    • Set up scheduled payments
    • Send money to eWallet
    • Do eFiling
    • View payment history
    • Validate recipients
    • Transfer money between your accounts
    • Transfer funds to your budget facility (Credit Card only)
    • Buy pre-paid Airtime
    • Buy Vodacom data bundles (SMS vouchers and Big Bonus vouchers)
    • Buy prepaid Electricity (Eskom and selected municipalities)
    • Buy Globel international airtime
    • Buy LOTTO TM tickets
    • Buy PowerBall tickets
    • Shop online using eBucks
    • Request proof of payment
    • View your eBucks rewards
    • View Annual Price Review letters

      • Trade shares online (share trading only)
      • Buy Krugerrands
      • Sell Krugerrands
      • Change your PIN
      • Update ATM Limits
      • View Card PINs
      • Create Card PINs
      • Cancel and order new cards
      • Order Additional Cards
      • Request notice to withdraw on Investment Account (investment only)
      • Top up and withdraw funds from your PayPal account
      • Check Forex rates
      • Receive money from abroad
      • Send money abroad
      • Open an overdraft and increase limits
      • Buy foreign currency
      • Create secondary users
      • Contact My Banker
      • Join FNB Connect
      • Open accounts
      • Set up Balance Alerts
      • Set up Limit Alerts
      • View and update personal details
      • Order a new card when it is about to expire
      • Secure your Online Banking with Webroot
      • Adjust your ATM withdrawal limits

    Terms and Conditions Apply.

  • Free subscription to FNB Banking App

    The FNB Banking APP

    Unparalleled simplicity and convenience

    As a registered Online Banking user, you can access the FNB Banking App

    Download the free app for Android™, Apple™,BlackBerry™ and Nokia™ Symbian devices*.

    Using the Free FNB Banking App you can

    • Make and receive Geo Payments
    • Set up Stop Payments
    • Make payments and transfer funds
    • View Transfer and Payment History
    • Send money
    • Contact your Relationship Banker
    • View accounts and detailed balances
    • Locate FNB branches or ATMs
    • Access an FNB Directory
    • Make and receive calls
    • Send and receive messages
    • Buy prepaid products
    • Top up your FNB Connect Accounts
    • Purchase FNB Connect ADSL bundles
    • View foreign exchange rates

    For queries please email:
    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 and Conditions Apply.

  • Free subscription to Cellphone Banking

    Cellphone Banking

    Banking at the touch of a button

    Access your money anytime, anywhere using your cellphone.

    Even without your ATM card you can now do your banking via Cellphone Banking.

    As a customer you enjoy the following benefits

    • Check your balances, transfer money between your own accounts, make payments to individuals, pay monthly accounts, and even pay traffic fines
    • Withdraw cash from your FNB accounts, without the use of an ATM card
    • Buy prepaid airtime, electricity and LOTTO™
    • Free registration and subscription
    • Free inContact with every transaction (above R100)

    To register for Cellphone Banking, dial *120*321#, visit ,, an FNB ATM , any FNB branch or contact our call centre on 087 575 9405 to assist you.


    Please refer to our Pricing Guide for fees on specific accounts.

    Terms and Conditions Apply.

  • Free subscription to Telephone Banking

    Telephone Banking

    It's your bank on call

    As an FNB transactional account holder, you can enjoy flexible banking at your own convenience

    Speak to a telephone banking consultant or transact via the interactive voice response (IVR) line, whenever, wherever via a single access number.

    Enjoy the following benefits with telephone banking

    • Create payment notifications to send to your recipients
    • Schedule payments to be made on a specified date
    • Buy prepaid airtime (Vodacom, MTN, Cell C and Virgin Mobile)
    • Buy Telkom airtime (local and WorldCall)

    To register - simply call 087 575 9404


    Please refer to our Pricing Guide for fees on specific accounts.

    Terms and Conditions Apply.

  • inContact


    FNB's FREE Notification Messaging Service

    Keep track of money moving in and out of your account.

    This innovative messaging service helps or enables you to keep track of transactions on your account, via email or SMS, and you can choose to receive your messages during the day between 7am and 8pm or 24 hours a day.

    You get to select which accounts are linked to inContact.

    Register for inContact via Online Banking or call 087 575 9404.

    Terms and Conditions Apply.

  • Earn eBucks

    Your FNB Credit Card and eBucks Rewards

    Your FNB Credit Card and eBucks Rewards.

    Seeing Double?

    With the new updates to the way you earn eBucks you could earn DOUBLE the eBucks on your FNB Credit Card when compared to your FNB Cheque Card and what's more, is that every swipe is free. Happy swiping.

    In addition to your credit card swipes you can also earn:

    • Double eBucks for shopping online
    • Double eBucks for international shopping
    • Up to 15% back in eBucks when you fill up with fuel at any fuel station
    • Up to 15% back in eBucks when you purchase prepaid electricity or airtime through FNB
    • Up to 15% back in eBucks when you shop at Checkers & Shoprite

    You can then spend your eBucks on just about anything at the various eBucks in-store and online partners. For more details visit the eBucks website

    Qualify to get up to 40% off everything in the eBucks Shop and on selected local and international flights through eBucks Travel.

    How to start earning:

    1. Link your credit card to earn eBucks (an annual linkage fee is charged*)
    2. Meet the qualifying criteria (visit to see qualifying criteria)
    3. Collect points by simply swiping your FNB Credit Card
    4. Get rewarded

    Remember that to get the most out of your rewards you need to hold matching FNB credit and cheque cards. (e.g. Platinum Credit Card and a Platinum Cheque Card).

    *To link your credit card to eBucks call us on 087 320 3200 or visit A linkage fee of R200 is charged in order to link your FNB Credit Card to earn eBucks. The R200 linkage fee is billed upfront to your FNB Credit Card, thereafter charged annually on the anniversary of your initial linkage date - unless you are on a bundled pricing option.

    Terms and Conditions Apply.

  • Free ADSL and 3G data from FNB Connect

    FNB Connect

    Cheap rates, free calls and reduced data bundles

    FNB Connect ADSL Data

    From 1 July 2013

    Reward Level FNB Connect ADSL Data
    Reward Level: 5 FNB Connect ADSL Data: Get free* monthly Uncapped ADSL data
    (Maximum reward for Platinum & Islamic Platinum Cheque Accounts)
    Reward Level: 4 FNB Connect ADSL Data: Get a 80% discount on monthly Uncapped ADSL data
    (Maximum reward for Gold, Islamic Gold & Encore Cheque Accounts)
    Reward Level: 3 FNB Connect ADSL Data: Get a 40% discount on monthly Uncapped ADSL data
    Reward Level: 2 FNB Connect ADSL Data: Get a 20% discount on monthly Uncapped ADSL data
    Reward Level: 1 FNB Connect ADSL Data: Get a 10% discount on monthly Uncapped ADSL data

    * T&C's apply, maximum uncapped ADSL discount up to R399.00 applies.

    For more information on Uncapped ADSL data from FNB Connect visit or log into FNB Online and click on the FNB Connect tab.

    3G Data

    From 1 July 2013

    Reward Level 3G Data (Exclusive to active FNB Smart Device Contract holders)
    Reward Level: 5 3G Data (Exclusive to active FNB Smart Device Contract holders): 500MB
    (Maximum reward for Platinum & Platinum Islamic Cheque Accounts)
    Reward Level: 4 3G Data (Exclusive to active FNB Smart Device Contract holders): 400MB
    (Maximum reward for Gold, Islamic & Encore Cheque Accounts)
    Reward Level: 3 3G Data (Exclusive to active FNB Smart Device Contract holders): 300MB
    Reward Level: 2 3G Data (Exclusive to active FNB Smart Device Contract holders): 200MB
    Reward Level: 1 3G Data (Exclusive to active FNB Smart Device Contract holders): 100MB

    To get rewarded with 3G data, you must be an active FNB Tablet, Smartphone or Laptop Contract holders. For more information please visit the Tablets and Smartphone page on

    To access FNB Connect, log on to Online Banking or call 087 575 0001.

    Terms and Conditions Apply.

  • Email statements

    Email Statements

    Get your statements emailed for free promptly, consistently and securely every month.

    With email statements, you get your statements faster than paper statements. You can download, save and print your statements. FNB has installed security measures to protect your information.

    You could save R138 per year with email statements.

    This is a free service which can easily be activated from your Online Banking profile in 4 easy steps.

    1. Select My Bank Accounts, then Menu and then Email Statements under Statements.
    2. Select the appropriate account/s of which you require the statements to be delivered to you via email
    3. Enter the primary email address to which you'd like the statements to be sent to.
    4. Select the formats you would prefer to receive your statements in - plain text (CSV), PDF or both (account dependent)

    What e-mailed statements offer me:

    • Easy to store - you can keep the email statements safely on your PC until they are required.
    • Easy to file - it is easier to file an electronic statement versus a paper statement.
    • More secure - email statements are more secure than paper statements as paper statements. can be lost in the post. The statement is encrypted and cannot be tampered with.

    Terms and Conditions Apply.

  • Bank your Change

    Bank Your Change

    Grow your balance in your linked Savings Pocket

    Automatically save your 'left over' cents when you swipe your FNB Cheque or debit card.

    Round the purchase amount up to the nearest rand, and have this transferred to your linked Savings Pocket, free of charge.

    You can save more by choosing a 'top up' amount of R2, R5, R10, R20 or R50. This amount will be added to the cents that are saved per purchase and deposited in your linked Savings Pocket.

    To start saving now call 0860 327 827.

    Terms and Conditions Apply.

  • Cash@Till

    Cash @ Till

    Draw cash directly from a tillpoint at a store.

    Cash@Till™ allows you to use your Cheque Card to withdraw cash at tillpoints of specific retailers such as Pick 'n Pay and Checkers.

    Simply tell the cashier that you need to draw cash and they will assist.

    Terms and Conditions Apply.

  • Lost Card Protection, extended warranty and purchase protection

    Lost Card Protection

    Protection in the event of a lost or stolen credit card

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

    In the event of your card being lost or stolen:

    • Call the Lost Card hotline immediately on 087 575 9406
    • Please note that this protection may not apply if it is determined that you were careless in protecting your card or PIN

    Terms and Conditions Apply.

  • Dedicated Call centre

    Dedicated Call Centre

    Trained staff to help you get things done.

    Our dedicated call centre is equipped with trained staff to assist you with any queries you might have about your account.

    Terms and Conditions Apply.

  • Courier Card delivery

    Courier Card Delivery

    Avoid the queues at a branch

    What could be simpler than having your card courier delivered to you?

    Open your Cheque Account Online and we will courier deliver your Cheque Card to you.

    Terms and Conditions Apply.

  • Smartphone or tablet offer

    Tablet and Smartphone Offer

    Is your phone as smart as your bank?

    Get a Smartphone or Tablet from FNB and you can bank anywhere via the FNB APP

    New and existing FNB clients can get a smart device at reduced rates to access their accounts via the FNB APP.

    • Existing customers can apply via Online Banking
    • New customers must apply for an FNB Cheque Account on the mobile pricing option

    Clients can get these devices and pay for them over a 24 month period with zero additional fees, interest or charges payable.


    In addition, FNB will:

    • Courier deliver your smart device to you at a cost of R150
    • Switch your debit orders, beneficiaries and salary, for free
    • Allow you unlimited Cheque card swipes
    • Give you free subscriptions to Online Banking, Cellphone Banking, Telephone Banking and the FNB APP
    • Grant you four free FNB ATM withdrawals a month - excluding branch, cheque and saswitch charges

    View the Mobile Pricing Guide


    To take up this offer, monthly Cheque Account deposits are required.

    Cheque AccountMinimum Monthly Deposit needed
    Gold Cheque AccountR5 500
    Islamic Finance Cheque AccountR5 500
    Young ProfessionalsR5 500
    Platinum Cheque AccountR16 500
    One AccountR16 500
    RMB and FNB Private Clients Cheque AccountR40 000

    The table below details the device and account fees applicable:

    Gold Cheque Account* PLUS Smartphone/Tablet per month (for 24 months)Platinum Cheque Account** PLUS Smartphone/Tablet per month (for 24 months)Private Clients Account*** PLUS Smartphone/Tablet per month (for 24 months)
    HTC SensationR297 (R97 + R200)R320 (R120 + R200)R330 (R130 + R200)
    HTC FlyerR297 (R97 + R200)R320 (R120 + R200)R330 (R130 + R200)
    The new Apple iPad 64GB Cellular# Wi-FiR436 (R97 + R339)R459 (R120 + R339)R469 (R130 + R339)
    The new Apple iPad 16GB Cellular# Wi-FiR356 (R97 + R259)R379 (R120 + R259)R389 (R130 + R259)
    The new Apple iPad 16GB Wi-Fi onlyR302 (R97 + R205)R325 (R120 + R205)R335 (R130 + R205)
    The new Apple iPad 32GB Cellular# WiFiR396 (R97+ R299)R419 (R120 + R299)R429 (R130 + R299)
    Apple iPad 2 16GB 3G Wi-FiR316 (R97 + R219)R339 (R120 + R219)R349 (R130 + R219)
    Samsung Galaxy NoteR392 (R97 + R295)R415 (R120 + R295)R425 (R130 + R295)
    Samsung Galaxy S3R392 (R97 + R295)R415 (R120 + R295)R425 (R130 + R295)
    320GB Acer Timeline Ultra M3R407 (R97 + R310)R430 (R120 + R310)R440 (R130 + R310)
    13" 2.5 GHz Macbook Pro MD101 500GBR627 (R97 + R530)R650 (R120 + R530)R660 (R130 + R530)
    11" MacBook Air MD223 64GBR522 (R97 + R425)R545 (R120 + R425)R555 (R130 + R425)
    13" MacBook Air MD231 128GBR627 (R97 + R530)R650 (R120 + R530)R660 (R130 + R530)

    Due to high demand, FNB cannot guarantee the colour of any Apple iPad product/s. Limited stock is available and FNB cannot guarantee a delivery date at this time. Should you place an order with FNB, please rest assured that we will do our utmost to get your device to you in the shortest possible time. FNB also undertakes to communicate regularly with clients who have placed an order.

    Manufacturer's repair centres for Smartphones/Tablets under Warranty.

    Apple iPad

    If your Apple iPad is faulty (this does not include physical damage) you can send an email to with all your information (name, cellphone number, email address, collection address and serial number of the device) plus a description of the fault.

    You also have the option of returning the device to an iStore.


    Samsung Support

    If the device is faulty within 7 days of receipt, call Brightpoint on 011 928 8370. If the device becomes faulty after 7 days of receipt, call Samsung on 0860 726 786.

    To escalate any Samsung issues, you can send an email to


    Acer Support

    If the device is faulty please call 0860 777 286


    BlackBerry Support

    Call Brightpoint on 011 928 8370. To escalate any Blackberry issues, you can send an email to or


    HTC Support

    Call 011 460 8000 or email

    Terms and Conditions Apply.

  • Exclusive VISA offers

    Visa Privileges

    Visa - your perfect companion

    Enjoy more from life, whether you're travelling or at home.

    Your Visa Credit card offers an excellent selection of travel, dining, shopping and lifestyle opportunities.

    While on your travels, should you have a medical emergency or your credit card is lost or stolen, you have access to an international support network to assist you: Visa Global Customer Assistance Service (GCAS) - 0800 990 475.

    Find out more about Visa privileges .

    Terms and Conditions Apply.

  • Roadside Assistance

    AA Emergency Roadside Assistance

    Never be left stranded again

    FNB Petro Card holders receive free automatic AA Emergency Roadside Assistance, which provides a helping hand when experiencing problems with your vehicle.


    Roadside Repair Service:

    • Re-fuelling petrol up to ten litres
    • Restarting a flat battery
    • Changing flat tyres
    • Key lock-out service

    Tow-in Service - for mechanical or electrical vehicle breakdowns up to a maximum of R1000

    *If you are involved in an accident, the AA will arrange for your vehicle to be towed to the nearest AA approved repair centre or to a destination of your choice. You will be responsible for the costs incurred.

    Stand By You:

    • Request this service when your car breaks down and an armed security guard will stay with you until the AA patrolman arrives
    • In addition to personal protection, this service reduces the risk of hijacking and vandalism whilst you're on the side of the road

    Courtesy Services**:

    • Car hire
    • Overnight accommodation for you and four other passengers
    • Transportation or the cost covered for you to collect your repaired vehicle

    **Courtesy services are covered up to a maximum of R500 for emergencies occurring more than 100 kilometers from your home.

    How to use AA Roadside Assistance Service

    • In an emergency please call 0860 70 60 50 and supply your Petro Card number*** to the consultant
    • An AA appointed contractor will be sent to provide you with assistance
    • Upon the contractors arrival please produce your Petro Card and proof of identity for the service

    ***Petro Card number is the 16 digit number on the front of your card

    Terms and Conditions Apply.

  • Additional Linked Cards

    Additional Cards

    Multiple cards linked to one account

    Have the flexibility to link additional Cheque Cards to your account - ideal for a spouse or children 18 years and older.

    How I can get it?

    When logged in on to FNB Online Banking, select the My Bank Accounts tab, My Cards sub tab, Menu, Additional Card, select an account and follow the instructions.

    For more information contact 087 575 0000

    Terms and Conditions Apply.

  • Use your card abroad (at VISA terminals)

    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 and Conditions Apply.

  • See all benefits

A Business Account offers real value and rewards.

What the Business Account offers me:

  • Ability to link Commercial Visa Cheque or Electron Debit Cards
  • Ability to link a Commercial Petro Card
  • Relationship pricing
  • Select your limits and transaction type controls with Commercial debit cards
  • Subscription to Online and Cellphone Banking
  • inContact Pro
  • Instant Accounting
  • Instant Payroll
  • Membership to BizNetwork
  • Email statements
  • eBucks for Business for qualifying clients
  • Fuel Rewards

What this allows me to do:

  • Make and receive payments
  • Receive cheque deposits
  • Have full access to a range of financing options such as Overdrafts
  • Closely manage your business cash flow


Business Accounts
Apply Now Call me back