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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

Tell me more

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Qualifying criteria

Only available to businesses with an annual turnover
of R0 - R60 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 makes funds available for use again
  • Flexibility to deal with unexpected expenses and to capitalise on opportunities
  • Monthly repayments are based on the amount of credit you've used

What you can do

  • Enjoy FREE access to Instant Accounting - an easy-to-use online accounting solution which uses your RMB Private Bank 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 RMB Private Bank VISA Business Debit Card with chip and PIN technology, the most secure cheque card available today, that helps your business save money

Cost

  • The amount you qualify for and 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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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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FNB Business Call Account

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

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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%

Healthcare Business Account

A healthcare account for your practice

Whether you're starting up a new practice, or have been in the industry for years, we provide banking solutions that give you peace of mind when it comes to managing the financial aspect of your practice.

Apply Now
How it works

Day-to-day transacting

Transacting has never
been easier

FNB Business Debit cards

Purchase goods and services locally and internationally.



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 linked to the business's accounts allowing for transfers between accounts, withdrawals, payments at point-of-sale devices and receiving balances/ministatements at FNB ATMs.



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 or the FNB App.



24/7 support

You get 24/7 support via the dedicated Healthcare desk

Read more

Rewards

Earn & spend with our rewards

FNB Business Call Account

Plan your cash flow effectively

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

Business Overdraft

Don't be caught short on cash

The Business Overdraft facility is linked to your Healthcare 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.

Key features

Convenience

Keep track of your business transactions electronically with email statements, delivered to your inbox for FREE.



Switching made easy

We will help you switch your recipients and debit orders.



Private Wealth offer

As a Healthcare Solutions client, you automatically qualify for our exclusive FNB Private Wealth offering.



Industry specific banking services

FNB has specialised products and services which are tailor-made to suit the banking needs of specific industries.



Security

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



Added value

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



Business Overdraft

Don't be caught short on cash

We understand the support you need in growing your business and have specialised products and solutions to make it easier for you.


eWallet Pro
Business Forex
PayPal™
Merchant Services

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!
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Qualifying criteria

     Pricing Guide

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