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Financial planning

Overview

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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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Franchise Gold Account

For businesses with an annual turnover of R0 - R5 million

  • Earn eBucks rewards for business
  • 24/7 support with our franchise and business desks
  • Access to franchise deal makers per industry and brand
  • Tailored service rates per franchise brand (on application)
  • Tailored rates on Merchant services (on application)
  • Bank anywhere, any time with our digital banking solutions
  • Get access to instant solutions - Instant Accounting, Instant Invoicing

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Franchise Platinum Account

For businesses with an annual turnover of R5 million to R60 million

  • Earn eBucks rewards for business
  • 24/7 support with our franchise and business desks
  • Access to franchise deal makers per industry and brand
  • Dedicated Relationship Manager to help manage your portfolio
  • Tailored service rates per franchise brand (on application)
  • Tailored rates on Merchant services (on application)
  • Access to SLOW Domestic and International Lounges

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Franchise Enterprise Account

For businesses with an annual turnover of R60 million and above

  • 24/7 support with our franchise and business desks
  • Access to franchise deal makers per industry and brand
  • Tailored service rates per franchise brand on merchant services
  • We'll give you a Black Business Debit Card
  • Dedicated Account Executive to help manage your portfolio
  • Debit order and receipt switching
  • Earn and spend eBucks rewards for business
  • Access to SLOW Domestic and International Lounges

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Business Overdraft

A convenient, short-term credit facility that is ideal for emergencies and unforeseen circumstances.

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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 transactions.

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Savings Pocket rates

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%

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We help you switch for free

Let FNB's Debit Order and Recipient Switching team move your existing debit and recipients free of charge.

Let us help you switch your debit orders and recipients

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Instant Accounting solutions

Instant Accounting uses your FNB electronic bank statements to generate financial reports including income statements, balance sheets and cash flow statements.

More about Instant Accounting

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Merchant Services

Our Merchant Services allow you to offer your customers a secure and efficient means to pay for goods and services with a card, with various payment accepting solutions that cater for a franchise set-up.

More about Merchant Services

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Business Savings Pocket

The Business Savings Pocket links to your Franchise 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 Franchise Business Account.

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Qualifying criteria

  1. For businesses with an annual turnover of R0 million - R150 million
  2. Be a Franchisee or looking to become one, or a Franchisor

Franchise solutions

Franchise Business Accounts

Let us make running your business easier with tailor-made products and services for your franchise.

Apply now!
What you get

Start, run and grow your franchise

No matter the stage of your franchise, FNB has a Franchise Business Account that offers flexible and cost-effective solutions to guide your business's growth.

Franchise Gold Account

For businesses with an annual turnover of R0 - R5 million

Read more

Franchise Platinum Account

For businesses with an annual turnover of R5 million to R60 million

Read more

Franchise Enterprise Account

For businesses with an annual turnover of R60 million and above

Read more

Pricing guide

Key features

Convenience

Keep track of your business transactions electronically with email statements, delivered to your FNB inbox for FREE - available to be downloaded via the FNB App.



Security

Create a secure password with Online Secure for FREE to ensure that online transactions on thirdparty websites are secure.



Switching made easy

We will help you switch your recipients and debit orders.

Read more

Added value

Instant Accounting enables you to do your business's financial reports for FREE.

Read more

Merchant Services

Our Merchant Services allow you to offer your customers a secure and efficient means to pay for goods and services with a card.

Read more

Business Overdraft

Don't be caught short on cash

The Business Overdraft facility is linked to your Franchise Business Account and provides the ability to make payments even when there are no cash funds available in your account, thus avoiding penalty fees and additional charges.


 

Day-to-day transacting

Transacting has never been easier

Online Banking Enterprise™

Giving you additional features to help manage all the needs of your business, with dual authorisation and enhanced modules you can take up on request.



Issue restricted functionality Debit cards

Empower your staff by issuing them with a limited-function Debit card with restricted functionality to protect your business information and funds in the account.



Issue full-functionality Debit cards

Full-function cards can be issued and linked to the business's accounts allowing the card holder to withdraw cash, pay at point-ofsale devices, obtain balances/mini-statements at FNB ATMs and perform transfers between accounts.



Transact electronically

You can easily make once-off and recurring transfers and payments as well as debit and stop orders using Online Banking for Business.



Transacting made easy

Track your financial transactions electronically, pay your staff, send and receive cross-border payments and more.

Read more

Rewards

Earn & spend with our rewards


Business Savings Pocket

Plan your cash flow effectively

The Business Savings Pocket links to your Franchise Business Account, allowing you to ring fence funds away from your main transactional account for provision or saving purposes.


 

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!

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).