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Financial planning

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Create & pay with your own virtual card

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.

Earn eBucks

Choose more value for your business and earn eBucks while you spend online.

FNB Purchase Protect

Get instant insurance for items purchased with your virtual card at no cost to you

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FNB makes transacting easy

  • inContact and inContact Pro allow you to track your financial transactions across all your FNB accounts by means of an SMS or email. You will be informed of all purchases and withdrawals over R100, and will be able to view your available balances
  • Keep track of your business transactions electronically with email statements, delivered to your inbox for FREE. With My Limit Alert, My Balance Alert and Scheduled Payment Alert you can always be aware of what's happening in your bank accounts, which enables you to transact and plan accordingly. Note that these services are provided to you at an additional cost
  • eWallet Pro allows you to pay your staff or other recipients electronically and immediately, even if they don't have a bank account
  • FNB's Top Up and Withdraw with PayPal™ offers you a safe and convenient way to send and receive cross-border payments online without exposing credit card or bank account details
  • FNB Merchant Services provides specialised card payment acceptance, reconciliation and settlement services across all delivery channels
  • With FNB Forex, you can apply to send and receive foreign currency payments anywhere, anytime with secure and fast Online Banking for Business. Our import and export solutions help you unlock international markets by not only catering for your specific needs, but also helping to protect you from the risks associated with global transacting

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Qualifying criteria

Best suited to businesses with an annual turnover of R0 - R5 million

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Business Overdraft

What the Business Overdraft offers

  • Accessibility to the required cash flow you need to run your business
  • Payments into the overdraft facility make funds available for use again
  • Flexibility, as you can deal with unexpected expenses and capitalise on opportunities
  • Monthly repayments are based on the amount of credit you used

What you can do

  • Enjoy FREE access to Instant Accounting - an easy-to-use online accounting solution which uses your FNB Online Banking statements to do your bookkeeping automatically every night
  • Enjoy FREE access to Instant Accounting Insights - giving you a monthly snapshot of your business's cash flow, income and expenses
  • The opportunity to apply for the new FNB Visa Business Cheque Card with Chip and PIN technology, the most secure cheque card available today, that helps your business save money

Costs

  • The amount you qualify for, as well as the interest rate, will depend on your credit profile
  • The interest rate will be calculated for you, once your application has been submitted
  • Interest is charged monthly on your overdraft balance
  • Credit fees will be provided upon application

Legal

  • Product Terms and Conditions are included in the Facility Letter you receive with your approved overdraft
  • Only after signing the required facility and collateral documentation, will the overdraft facility be made available for use

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eBucks Rewards for Business

eBucks Rewards for Business gives qualifying FNB Business card holders the ability to earn and spend eBucks as a reward for banking with FNB. The eBucks Rewards for Business programme has been improved and provides more ways for businesses to earn and spend eBucks.

Find out more

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Business Savings Pocket

The Business Savings Pocket links to your Business Account, allowing you to ring fence funds away from your main transactional account for provision or saving purposes. This helps you manage your cash flow by allowing you to provide for your PAYE, VAT, staff bonuses and other short-term business obligations.

The Business Savings Pocket allows you immediate access to your funds, by transferring between your Business Savings Pocket and your Business Account.

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Pricing Comparison Gold Business Account

Pay As You Use
Description You pay a lower monthly fee and are charged per transaction that you do, as per the schedule of fees available on the Pricing Guide
Best Suited
  • If you prefer to be charged for each transaction that you do
  • If you have a low volume of transactions per month
Monthly fee R75
Debit Orders and Electronic Payments
  • Debit Orders: R18.00
  • Electronic Payments: R9.10
Electronic Pay & Clear Now R45
Free Transactions N/A
Single Fee Pricing Option 1*
Description You pay a monthly fee upfront and will only need to monitor your transaction fees once the thresholds have been exceeded each month. Per-item billing will only commence once you exceed your threshold limits
Best Suited
  • If you have an average of one electronic transaction per day
  • If you have R50 000 or less cash deposited at a FNB ATM per month
  • If you do not use the FNB branch often
  • If you swipe your FNB Business Cheque cards on a regular basis
Monthly fee R235
Debit Orders and Electronic Payments 30 transactions which include amaximum of 5 FNB ATM cash withdrawals
Electronic Pay & Clear Now 3 Free
Free Transactions POS Purchases
Electronic Transfers
Prepaid Purchases
Balance Enquiries (POS)
Single Fee Pricing Option 2*
Description You pay a monthly fee upfront and will only need to monitor your transaction fees once the thresholds have been exceeded each month. Per-item billing will only commence once you exceed your threshold limits
Best Suited
  • If you have several electronic transactions on average per day
  • If you have R100 000 or less cash deposited at a FNB ATM per month
  • If you do not use the branch often
  • If you swipe your FNB Business Cheque cards on a regular basis
Monthly fee R350
Debit Orders and Electronic Payments 50 transactions which include a maximum of 10 FNB ATM cash withdrawals
Cash desposited at FNB ATM only Free cash deposits up to R100 000 per month (cumulative)
Electronic Pay & Clear Now 3 Free
Free Transactions POS Purchases
Electronic Transfers
Prepaid Purchases
Balance Enquiries (POS)

*Please refer to the pricing guide for a list of fees charged above the transaction threshold limits.
This is a summary of fees to use for comparison purposes only. For a comprehensive list of fees please visit the FNB website and view the Pricing Guide .

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Savings Pocket Rates

Balance Rate
R1 - R999 0.45%
R1,000 - R9,999 0.45%
R10,000 - R19,999 0.6%
R20,000 - R49,999 0.8%
R50,000 - R99,999 0.8%
R100,000 - R249,999 0.8%
R250,000 - R499,999 0.8%
R500,000 - R999,999 1%
R1,000,000 - R1,999,999 1.1%
R2,000,000 - R2,999,999 1.2%
R3,000,000 - R3,999,999 1.3%
R4000,000 - R4,999,999 1.4%
R5,000,000 + 1.5%

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Get rewarded with an FNB Connect SIM

Get rewarded with an FNB Connect SIM

  1. Now on SA's best network. That's extensive coverage across South Africa for you.
  2. Stay connected with WhatsApp messaging, data and voice minutes every month on your FNB Connect SIM.
  3. Order, manage or port your number with ease on the FNB App.
  4. Buy airtime, data, voice or SMS bundles anytime, anywhere using the FNB App. Now available at over 200 retail stores nationwide through Eezi Airtime.
  5. Move up an eBucks reward level with an FNB Connect SIM.

FNB Gold Business Connect rewards

Get rewarded with WhatsApp messaging*, 400MB data and 35 voice minutes every month on your FNB Connect SIM.

Qualifying criteria

  • Make sure that your FirstRand Bank accounts are active and in good standing.
  • Perform a minimum of one transaction on your FNB First Business Zero Transactional Account every month (perform a transaction on the FNB App or online banking or swipe your FNB First Business Zero card or make a deposit into your FNB Business Zero Account).
  • Spend R1 or more on your FNB Connect SIM Plans.

Note:

Spend is defined as all purchases and/or fees charged to the FNB Connect SIM card account, namely, SIM card subscription fees, recharge fees and purchases, SIM and Connection fees, Call Line Identify (CLI) fees and itemised billing fees. All Top Up Go promo SIM cards that are in use and that were sold with a device will be included in the spend calculation. Top Up plans bundled with devices, device purchases, and all penalty fees are excluded from this spend calculation.

Deposit includes the payment of your salary, other payments or drawings and specifically excludes (but are not limited to) any inter-account transfers. Transfers from mandated accounts will be classified as inter-account transfers (except for spousal accounts).

Only available to one FNB Connect SIM per commercial entity.

*Messages includes all voice notes, messages, sending of video files, pictures/image files, documents files limited to 2GB.

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Get more value

  • Have your bank card delivered to your nearest FNB branch
  • Manage your business on the FNB App or FNB Online Banking
  • Enjoy secure spending by accessing your virtual card directly through the FNB App
  • Stay informed with inContact and payment notification messages
  • Access your last 12 stamped statements via FNB Online Banking or an FNB ATM
  • View balance enquiries on the FNB App, FNB Online Banking or any FNB ATM
  • Download account information letters directly from the FNB App or FNB Online Banking

Gold Business

Best value solutions for your unstoppable business

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Solutions to help

Start your business

We have an ideal set of products and solutions to support you when you are opening a new business or switching an existing business.

Enjoy the best value with

FNB Gold Business Bundle Account for only R99

FNB Gold Business Bundle Account is made for your unstoppable business.

Get the best value at no additional cost

  • Enjoy 10 free electronic transactions
  • Get a free Business credit card*
  • Earn eBucks rewards for your business and enjoy discounts on travel, groceries, office supplies and much more
  • Access thousands of potential new customers with nav» Marketplace
  • 24/7 Business Help Desk support

*Subject to credit and affordability criteria

View more

View pricing guide

Solutions to help run your business

We have the right solutions to help you run and maximise your business' capabilities.

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

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Solutions to help you grow
your business

We understand the support you need in growing your business and have specialised products and solutions to assist you.

What you get

Business solutions

Create & pay with your own virtual card

The new virtual card on the FNB App is the faster, safer and more secure way to pay for online purchases wherever you are in the world.

Applying made easy

Apply Now!
Contact us
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Qualifying criteria

Documents needed

   Pricing Guide

First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).

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