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FNB is here to help you. Do you know that in terms of the National Credit Act No.34 of 2005, you are entitled to one Credit Report once a year, in your month of birth.

Apply here for your Credit Bureau Report

If you need additional reports

You may obtain these at any other time against payment of the Credit Bureau Fee.

Please direct any queries with regard to the Credit Bureau Report to:

Telephone: +27 (0) 11 214 6000/0861 482 482

Email: webmaster@transunionitc.co.za

Operating hours: Monday to Friday 08h00 to 17h00 and Saturdays from 08h00 to 13h00

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Protecting privacy of children

FNB takes the privacy of children very seriously.

Children under the age of 13 years should obtain their guardian's consent before providing/submitting any personal information about themselves on the FNB website.

FNB will not require children under this age to provide any personal information other than that which is reasonably necessary to use the FNB website.

If FNB determines that a user is under the age of 13, FNB will not use or maintain his/her personal information without the guardian's consent.

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Confidentiality + security

FNB has physical, technological and procedural security safeguards in place and will use its best endeavours to protect your personal information.

What is personal information? Personal information refers to information that identifies or relates specifically to you, for example, your name, age and identity number, your assets and liabilities, your income and your payment records. Any information about what you buy, where you shop, where you bank, how you invest and all related information will also be regarded as personal information. In short, any information that we know about you will be regarded as your personal information.

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How we collect your info

Whenever you use this website, complete an application form, contact us electronically, or use one of the services or facilities offered by us or any affiliate party, we will collect your personal information.

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Why and how we collect and use personal information

To make your use of this website and all products and services offered on this website as successful and pleasurable as possible, it is necessary for us to find out exactly what you need and want from us.

The following are reasons why we would collect your personal information:

To identify you
For us to process your instructions or requests
For us to ensure that we meet your needs, we may collect and analyse your personal information and combine all the information that we have about you to compile a profile of you in order for us to personalise and tailor our services to meet your specific needs

Once we have collected and analysed your personal information, we may send you promotional material or details which we think may be of interest to you. If any of this promotional information relates to products, promotions, news or services of an affiliate party, and if you indicate that you would like more details, we may inform the affiliate party to contact you directly. We will however, only inform an affiliate party to contact you directly if you have indicated that this is agreeable to you.

Your privacy is important to us. We will therefore not sell, rent or provide your personal information to unauthorised entities or other third parties, for their independent use, without your consent.

If at any stage, after you have given us your consent, you no longer wish us to use or share your personal information with an affiliate party; you may at any stage withdraw your consent.

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Protection of your personal information

We value the information that you choose to provide us with and will therefore take reasonable steps to protect your personal information from loss, misuse or unauthorised alteration. The information we maintain concerning our customers is stored in databases that have built-in safeguards to ensure the privacy and confidentiality of that information. When you use the services or facilities provided by us, you may be given an access number, user name, password and/or personal identification number (PIN). You are responsible for maintaining the secrecy and confidentiality of your user name, access card, password and/or personal identification number ('PIN').

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Correction of personal information

If you ever want to update or correct any of your personal information held by us, kindly contact us at the Internet banking helpline on 0860 11 22 44. Alternatively, you can update and correct your information yourself by logging onto Internet Banking. Personal information held by or disclosed by you to a third party. Because we are not responsible for any representations or information or warranties or content on any website of an affiliate party (including websites linked to this website or websites facilitated by us), we do not exercise control over affiliate parties' privacy policies and you should refer to the privacy policy of any such affiliate party to see how such party protects your privacy.

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Cookies

You agree that we shall be entitled to send 'cookies' from this website to your computer. We use the word 'cookie' to refer to information that is sent from this website to your hard drive, where it is saved and contains information to personalise your experience on this website. In this way, the next time you use this website we will know who you are and that you have visited this website before.

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What this is

Our Privacy Notice governs the way the FirstRand Group ('we', 'our', 'us') treat your personal information ('PI'). We will only process your PI if it is legal. We respect your privacy and will treat your PI confidentially. Your trust is important to us.

Some general rules we apply to keep your trust

Different interactions with us will need different levels of disclosure of PI. If you are unsure or uncomfortable with the reason why PI is needed, feel free to obtain clarity before disclosing that PI.
Our Privacy Notice will indicate the purposes for which your PI is collected, used and shared.
We will always process your PI legally as in a manner allowed or required by law. Similarly, when needed we will ask for your consent.

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Confidentiality + security

FNB has physical, technological and procedural security safeguards in place and will use its best endeavours to protect your personal information.

Personal information refers to information that identifies or relates specifically to you, for example

Your name
Age
Identity number
Your assets + liabilities
Your income
Your payment records

Any information about what you buy, where you shop, where you bank, how you invest and all related information will also be regarded as personal information.

In short, any information that we know about you will be regarded as your personal information.

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Changes to this Privacy Notice

We reserve the right, in our sole discretion to amend (including without limitation, by the addition of new terms and conditions) this Privacy Notice from time to time. You agree to review the Privacy Notice whenever you visit this website for any such amendments. Save as expressly provided to the contrary in this Privacy Policy, the amended version of the Privacy Policy shall supersede and replace all previous versions thereof.

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Which laws apply?

This Privacy Notice will be governed by and construed and interpreted in accordance with the laws of South Africa. To the extent that a court has jurisdiction over any dispute which may arise out of or in connection with this Privacy Notice, we both submit to the jurisdiction of the South African courts.

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When we will process your PI

We will process your PI, including if:

It relates to our business activity
You or your guardian/parent consented
Law permits/requires
It is to protect your, our or another's legitimate interests

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When we will process your SPI

The grounds are similar to those for PI and could also include:

For statistical or research purposes
When it is needed to identify you
To determine insurance risk
To create, use or protect a right in law

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When & how we process children's PI

We will process childrens's PI, including if:

A guardian/parent consented
To protect, use or create a right or obligation, e.g. child is an heir in a will
If the child made the PI public with the consent of the guardian/parent

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When & where we obtain PI from:

We obtain PI from, including:

From you
Your use of our products, services or channels (app, ATM, etc.)
Public sources e.g. media
How you interact or engage with us (telephone, letters, email, social media, etc.)
Third parties, e.g. partners, rewards programme, marketing list providers, etc.
Other members of the FirstRand Group, its associates, affiliates, appointed third parties such as sub-contractors, agents, etc.

Third parties from whom we can get your PI/whose PI we can obtain from you includes:

Your spouse (where the product or service is jointly used), employer, dependants, etc.
People whom you permit to have your PI, e.g. travel agents, etc.
Attorneys, debt collectors, tracing agents and other people busy with enforcement of agreements
Person who enables payments
Insurance brokers and other financial institutions

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Reasons we need to process your PI

The reasons include to provide you with:

Products, goods and/or services
Market products, goods and/or services to you
Responses to your queries/complaints
Compliance with regulatory and risk requirements
Credit

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How we use your PI for marketing

To inform you about our beneficial products and services. You may request us to stop marketing to you at any time.

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When we will use your PI to make automated decisions about you

We may make automated decisions, this means we use PI to reach an answer without humans involved, where the law allows. This decision may influence you and you may query this.

Example: approval or decline a credit application.

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When, how & with whom we share your PI

Generally we will only share your PI/SPI if:

You consented
The law allows
It is needed to fulfil our contract with you
It is needed to protect your, our or another's rights or interests

Who we share PI with

If we share your PI, the receiver of the PI has a duty to keep the PI confidential and secure.

Some of the persons we may share your PI with:

Other members of the FirstRand Group, its associates, affiliates, appointed third parties such as sub-contractors, agents, etc.
Payment processing card information and service providers, merchants, banks and other providers
Regulatory bodies, e.g. authorities.

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When and how we obtain & share PI with credit bureaux

We may access your credit bureau information where permissible in law including for example in considering your credit application or verifying your details.

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When we will transfer your PI cross border

We will transfer your PI cross border:

If the law allows
To fulfil or create a contract
When you give us an instruction or consent to do so
You have consented or if it is unreasonable or not practical to obtain your consent, but the transfer is in your interests.

We will always use safe PI transfer and storage practices.

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Your duties, rights & security

Duties

To inform us when your PI changes
To safeguard your PI

Rights

Access records of your PI held by us
To request correction of your PI
To withdraw consent
To object to the use of PI
To have your PI deleted in certain circumstances
To file a complaint
We must secure and protect your PI

You can refer to our PAIA manual to fulfil your rights of access.
View PAIA manual

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How long do we keep your PI

For the duration of your contracts with us or if the law requires
For as long as a valid business purpose exists

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How we process PI about persons related to a juristic person

We do not only process the PI of a juristic person but also the PI of person/s related to that juristic. Our Privacy Notice and the processing practises will also apply to this/these person/s.

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When we may share and receive information from other banks

For inter-banking relationships and trade account purposes.

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What do we mean by Personal Information (PI)

PI refers to any information that identifies you or specifically relates to you. It also includes SPI.

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Why do we further use or process your PI

At the time we collect your PI we have a reason. However, we may later use your PI for other reasons. We will do this if the law allows.

We may also further process your PI if:

It was obtained from a public record
For historical, statistical and research purposes
You have given consent

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Centralised processing

Your PI may be processed by the FirstRand group of companies in processes and systems that are managed centrally.

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How do we use your PI for rewards

We collect your PI from our partners, suppliers, our rewards programme's retail, online and strategic partners and our service providers for the purpose of managing the eBucks Rewards Programme.

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What is a Cookie

A cookie is a small text file stored on your device by the website you are visiting. It helps the website to remember information about your device and how you use the website.

We use this information to make your visit to our site as easy and useful as possible.

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Which Cookies can be found on the FirstRand Group websites

First-party cookies

First-party cookies are directly stored by the website visited by a user. These cookies allow website owners to collect analytics, data, remember language settings or perform other useful functions that provide a good user experience.

Third-party cookies

Third-party cookies are created by domains different from the website that the user is visiting. These cookies are usually used for online advertising, cross-site tracking; and are accessible on any website that loads the third party's server code.

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When will the Group use Cookies

We use cookies which identify the user of a device for lawful purposes, which may include the following:

if a user has consented thereto
if the law requires or permits it
fraud, financial crime and other crime prevention, detection or reporting
various analytical reasons
managing and improving security for the group and users

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What happens if a user does not want Cookies

Clearing or disabling cookies may limit your banking functionality.

You can limit the collection of your information by disabling cookies on your browser. You may also be able to modify your browser settings to require your permission each time a site attempts to set a cookie.

However, our website(s) (and many other websites) rely on cookies to enable certain functionality. If you choose to disable cookies, some of the services available on our website may not work properly.

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Further information about Cookies

As cookies are stored in text files, they cannot be used to distribute viruses to a device.

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FirstRand Entities

The FirstRand Group follows a multi-branding approach, some of the major brands in the group are shown below.

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Privacy Notice

Our Privacy Notice is applicable to individuals and juristic persons and applies to all processing of PI.

Explaining the jargon

Personal Information (PI) is information that can be used to identify you, like your name, surname and ID number.
Special Personal Information (SPI) is sensitive personal information that can be used to identify you and receives some extra protection in law, like your health.

Both words have specific meaning in terms of South African Law. A juristic person is a company or an entity that has a
separate legal personality from you.

View FirstRand Privacy Notice

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What happens if you disable your Cookie functionality?

Clearing or disabling cookies may limit your banking functionality.

You can limit the collection of your information by disabling cookies on your browser. You may also be able to modify your browser settings to require your permission each time a site attempts to set a cookie.

However, our website(s) (and many other websites) rely on cookies to enable certain functionality. If you choose to disable cookies, some of the services available on our website may not work properly.

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What are cookies?

A cookie is a small text file stored on your device by the website you are visiting. It helps the website to remember information about your device and how you use the website.

We use this information to make your visit to our site as easy and useful as possible.

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Types of Cookies we use

There are two main types of cookies:

Session cookies
When you close your browser, some cookies are deleted. These are called session cookies.

Persistent cookies
Other cookies are stored on your device until they expire or you choose to delete them. They are called persistent cookies. These cookies are sent back to us each time you visit our site.

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What we use Cookies for

We use cookies for session management, user device identification and classification, traffic routing, and analytics.

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Is your personal information at risk?

No, we will never save any personal information, including login details or other personal information on your computer.

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Protecting privacy of children

Confidentiality + security

How we collect your info

Why and how we collect and use personal information

Protection of your personal information

Correction of personal information

Cookies

What this is

Confidentiality + security

Changes to this Privacy Notice

Which laws apply?

When we will process your PI

When we will process your SPI

When & how we process children's PI