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Financial planning

Overview

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FNB Premier Cheque

Your FNB Premier Current Account gives you access to enjoy hassle free debit order, salary and beneficiary switching and the Unlimited

Pricing Option gives you unlimited electronic transactions (excluding branch, cheque and Saswitch transactions). Swiping your card in-store

is free and you can also use the popular and free FNB Cash@Till™ service to draw cash at Checkers, Pick n Pay and Shoprite stores.

An overdraft facility is also available on application (qualifying criteria apply) and you will only pay for it when you use it.

Plus all these benefits and rewards

  • Get a smartphone/tablet/or laptop at a reduced rate with 24 months to pay.
  • Earn up to 15% back in eBucks when filling up with fuel or up to 15% back in eBucks when purchasing airtime with your FNB Visa Cheque Card
  • Free delivery of your FNB Visa chip + PIN Cheque Card
  • Free ADSL data per month through FNB Connect
  • Exclusive Visa offers
  • Access to FNB Connect, which provides cheaper call and data rates
  • Free inContact to help you keep track of your transactions via SMS or email
  • Free Online, Cellphone and Telephone Banking subscriptions
  • Free Linked Savings Account (Savings Pocket ) linked to your Platinum Cheque Account
  • Bank Your Change™ to help you save when swiping your FNB Visa Cheque Card. Automatically save your 'left over' cents in your Linked Savings Account when you swipe your FNB Cheque or debit card. Rounding up and top-up options are available.

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FNB Premier Credit card

With your FNB Premier Credit Card you get personalised and competitive interest rates (which can be up to 3% lower than other products), a world of exclusive travel benefits, like SLOW Lounges, maximise the eBucks you earn on every day shopping and get access to a dedicated team of bankers available24/7 on the FNB Banking App, plus every swipe is FREE.

Not only do you get a FREE Linked Petro Card for the first 3 months with your Premier Credit Card, but you also get access to AA Emergency Roadside Assistance, free of charge. You can use your Linked Petro Card to pay for fuel, oil and car services (excluding toll fees). You can earn eBucks on services, repairs and maintenance, PLUS you can also earn up to 15% back on fuel when using your credit card or Linked Petro Card.

Plus, enjoy these benefits and rewards

  • Maximise the eBucks you earn
  • Free Comprehensive Global Travel Insurance when you purchase your return travel ticket with your credit card
  • Free AA Emergency Roadside Assistance (with a Linked Petro Card)
  • Access to SLOW Domestic and International Lounges as well as SLOW in the City
  • Up to 55 days interest free period
  • Free Automatic Debt Protection
  • Free subscriptions to the FNB Banking App, Online Banking, Telephone Banking and Cellphone Banking.
  • You'll receive free SMS notifications with inContact.
  • 24/7 Access to a dedicated team of Premier Bankers available via secure chat on the banking App.
  • Access to a budget facility for large purchases from R200 or more over a period of 6 to 60 months

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Contact us

Operating hours Secure Chat
Chat directly to your team of bankers 24/7, any time, any day via Secure Chat on the FNB App

Telephone
Your team of bankers will be available to help you from:
8 am to 6 pm Monday to Friday, and
8 am to 1 pm on Saturdays.
Closed on Sundays and public holidays.

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More Rewards

Holidays will never be the same
  • Pay for your holiday using your eBucks, your FNB Credit or Cheque Card, or a combination of both when you book through eBucks Travel
  • Get local and international travel deals through eBucks Travel
  • Order your foreign notes via FNB Online Banking and get it delivered to your door
  • Use a Global Account from FNB to save for your overseas holiday
  • Use a Multi-currency Cash Passport™ from FNB when travelling
  • Get Comprehensive Global Travel Insurance to keep you covered no matter where you go in the world, when you purchase your travel tickets on your FNB Cheque or Credit Card
Save on transport
  • Earn up to 15% back in eBucks on Uber rides
  • Earn up to 15% back in eBucks when you fill up with fuel at any fuel station
  • Use your eBucks to fill up with fuel at participating Engen service stations
  • Get free AA Emergency Roadside Assistance with a Petro Card

*You can order foreign notes and the Multi-currency Cash Passport up to 60 days before travel and return unused funds within 30 days of your return.

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Team of bankers

So contact us when you need assistance with:

  • Guidance on eBucks rewards and lifestyle benefits
  • Money management needs including:

    Investments
    Credit applications; and
    Setting up insurance to protect your valuables

You also get a once-off telephonic session with a financial advisor, and access to foreign currency when traveling abroad.

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Plan + protect

Our advisory team are more than just advisors as they are able to understand your unique situation and

financial goals. By taking a holistic view of your personal portfolio and risk profile, they are able to formulate a

financial strategy, which will assist you in achieving your personal financial goals.

Their services include:

  • Investment planning - Aims to design an appropriate investment strategy that you understand
  • Cash flow management - Finding the optimal balance between your income and expenses
  • Retirement planning - Enables you to be in a position where you can retire comfortably
  • Estate planning - Ensures that your assets are there when you, or your heirs, need them
  • Risk planning - Helps you ensure that you have made adequate financial provision in the event of your death, disability or a dreaded disease

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eBucks Rewards

As a Young Professional, you can make your money go further each month with eBucks. Enjoy even more rewards and benefits - like discounts on flights, a monthly KAUAI benefit, free subscription to The ENTERTAINER™ and more. You earn eBucks every time you spend on everyday things like filling up with fuel at Engen, shopping for groceries at Checkers and stocking up on health and beauty items at Clicks.

Visit the eBucks tab on the FNB app or www.ebucks.com for more rewards.

Terms, conditions and rules apply.

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Qualifying criteria

  1. Earn more than R5 500 per month
  2. Be between the ages of 18 - 34
  3. The following professions qualify you for Premier for Young Professionals:
  • Engineering
  • Chartered accountancy
  • Architecture
  • Law
  • Medicine - medical doctors and dentists, pharmacists, optometrists, chiropractors and vets
  • Actuarial science

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Documents needed

  • South African ID book/card
  • Proof of income (e.g. recent Letter of Appointment)
  • Proof of residence

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Overdraft

A short-term credit facility to cover unforeseen expenses or to serve as a safety net. Customers must have an active FNB Cheque Account

What the Overdraft offers:

  • Immediate availability upon approval, and if you don't use it you don't pay for it
  • No minimum monthly repayments as long as you remain within the agreed limit and make regular deposits such as your salary into your cheque account
  • A fluctuating facility, which reduces with monthly deposits
  • A personalised interest rate based on your credit profile
  • A monthly fee, only if more than R200 of the facility is used

What this allows you to do:

  • Cover unforeseen expenses
  • Enjoy a safety net in case of an emergency

Overdraft Debt Protection

FNB also offers a Debt Protection Plan to assist you and your family to pay Overdraft (credit facility) debt in the event of your death or permanent disability. To ease the financial burden in the event of temporary disability or retrenchment, we will help pay your monthly instalments on the covered facility.

View the Overdraft Facility Terms and Conditions

Banking for Young professionals

Get premier status before you even qualify

If you earn more than R5 500 per month, and are between the ages of 18 - 34.

 

For specialist professionals

The following professions qualify you for Premier for Young Professionals:

  • Engineering
  • Chartered accountancy
  • Architecture
  • Law
  • Medicine - medical doctors and dentists, pharmacists, optometrists, chiropractors and vets
  • Actuarial science

A dedicated team are available

You don't have to walk into a branch because your team of bankers are available 24/7 to assist you with all your banking needs.

Premier Cards

With Premier Current Account and Credit Card, you also get all the benefits that come with being a Premier customer.

Access to credit

Premier Credit Card

Get personalised and competitive interest rate.

Read more

WesBank

No need for 3 months bank statement. Finance can be reviewed based on your offer letter.

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Fusion Account

Get a transactional account with a linked credit facility that gives you up to 30 days interest free on credit card purchases.



Home Loans

Premier would like to ensure that your journey to home ownership is a smooth one.

Read more

Invest

Start investing today

It's never too early to start investing and building that nest egg

of funds to set you up for life.

Full range of investments

Giving you the choice of how much and how flexible you need to be.

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Share investing

Three types to choose from depending on your level of experience.

Read more

Krugerrands

Offering you a great store of wealth.

Read more

Your financial needs are as unique as you are

With FNB you will be given objective money management solutions, guaranteed.

Get rewarded

As a Young Professional, you can make your money go further each month with eBucks.

Enhance your lifestyle

Get Connected

FNB offers smart devices at reduced rates and you can pay for them over a 24 month period with zero additional fees, interest or charges payable.

Getting it made easy

Get in touch

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).