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Why do I need this?


Cellphone Banking from FNB is for anyone with any cellphone. All you need is a cellphone and a qualifying FNB transactional account. With Cellphone Banking from FNB you'll have the freedom to live your life while saving time on banking. There really isn't a quicker and easier way to manage your money.

Benefits of banking on your cellphone:

  • It's as simple as sending an SMS
  • Any cellphone make or model can be used
  • No special SIM card requirements
  • No complicated downloads
  • No changes to your cellphone settings
  • 24-hour banking convenience - you can bank wherever you are, whenever you want
  • Transactions occur real time
  • Registration is quick and free
  • Pay no subscription fees

Why you need this?


Cellphone Banking from FNB is for anyone with any cellphone. All you need is a cellphone and a qualifying FNB transactional account. With Cellphone Banking from FNB you'll have the freedom to live your life while saving time on banking. There really isn't a quicker and easier way to manage your money.

Benefits of banking on your cellphone:

  • It's as simple as sending an SMS
  • Any cellphone make or model can be used
  • No special SIM card requirements
  • No complicated downloads
  • No changes to your cellphone settings
  • 24-hour banking convenience - you can bank wherever you are, whenever you want
  • Transactions occur real time
  • Registration is quick and free
  • Pay no subscription fees

What can I do with this?


Benefits of banking on your cellphone:

  • It's as simple as sending an SMS
  • View a list of your most recent prepaid cellphone airtime purchases
  • Check balances on one or all of your accounts
  • Get a mini statement (reflects last 5 transactions)
  • Transfer money between your own FNB accounts
  • Make third party payment
  • Receive real time confirmation of financial transactions (inContact)
  • Maintain your Cellphone Banking details

What is the cost?


Benefits of banking on your cellphone:

InContact Free
Buying prepaid airtime Free
View the history of all my prepaid airtime Free
Check the account balance on a single account Free
Check the balance on all of my accounts Free
Get a mini statement Free
Transfer money between my own FNB accounts P3.21
Make a payment to any account or anyone else P4.54
View the history of all my payments Free

Please take note:

  • FNB reserves the right to amend pricing from time to time
  • Pricing correct and current at time of printing
  • Pricing may differ based on account you hold
  • Standard network operator rates apply
  • Terms and conditions apply

How much prepaid airtime can I purchase?


Customers are able to top-up their airtime for any amount, provided that the airtime top-up is within the minimum and maximum prepaid airtime values sold by the service provider without exceeding your prepaid daily limit, i.e.

  • Mascom, Minimum P10 and Maximum P250
  • Bemobile, Minimum P10 and Maximum P250
  • Orange, Minimum P5 and Maximum P250

What do I need to have to register for FNB Cellphone Banking?


To register for FNB Cellphone Banking you need to have:

  • A valid Botswana cellphone number
  • A qualifying FNB account

Can I register more than one cellphone on my account or more than one account?


No. For your security you can only register one cellphone number to one of your FNB Accounts - which is your primary account.

Can I register for FNB Cellphone Banking?


  • Login to FNB Online Banking at www.fnbbotswana.co.bw and click on 'Settings' (found in the top menu)
  • Registered InContact customers can register on their cellphone by simply dialling *130*321# or *103*321# and select the 'More Features' option and then "Continue" option.
  • At any FNB branch

What is a MOPIN?


A MOPIN is your 5-digit FNB Cellphone Banking PIN you will be required to select at registration. Please remember to keep your MOPIN secret.

How secure is FNB Cellphone Banking?


Your security is our first priority. FNB Cellphone Banking provides you with several security features ensuring your peace of mind!

Security features include:

  • Automatic registration to inContact, FNB's free messaging service that notifies you immediately of any activity on your FNB account
  • A full money back guarantee in the case of Cellphone Banking fraud, provided that the inContact service is active and that reasonable care has been taken to protect your access details
  • Only the cellphone number registered for FNB Cellphone Banking can access the Cellphone Banking service
  • You can call the Cellphone Banking Helpline (+267 395 9881) to put a hold on your Cellphone Banking service if your cellphone is lost or stolen

Set daily transaction limits:

  • P500 daily limit for prepaid airtime purchases
  • P100 000 daily limit for transfers between your own FNB accounts
  • P10 000 daily limit for third party payments to anyone or any account

What happens if I have made an incorrect purchase?


  • The terms and conditions for this service state that FNB is not liable for incorrect purchases made by you the customer
  • FNB includes a confirmation screen on your cellphone prior to you accepting your transaction. This confirmation is meant to ensure that you are happy with your transaction
  • Unfortunately we cannot reimburse you for the transaction

Which number must I use to aunthenticate myself?


For MOPIN Authentication always dial *130*321*MOPIN#

Which accounts can I obtain balances on?


A balance enquiry can be performed on any of your valid FNB accounts. That includes transactional accounts such as a cheque account and non-transactional accounts, for example a loan account.

Can I obtain balances on only one account at a time?


You can obtain balances on individual accounts or make use of our Cellphone Banking feature that allows you to see the balances on all of your accounts at once.

Which account will be debited when I do a 'Balance All' enquiry


The account that you have chosen as your default account when registering for FNB Cellphone Banking will be the account debited.

Which accounts can I get mini statements on?


Mini statements can be obtained for transactional accounts as well as for all prepaid transactions, for example your cheque or BOB save account.

Which accounts can I transfer funds to and from?


You are permitted to do fund transfers between any of your own valid FNB accounts.

What are the steps involved?


If you hold any of the accounts below, you can register for Cellphone Banking.

  • Transmission Account
  • Call Deposit
  • First Cheque Account
  • Credit Card (First, Silver, Gold, Platinum)

Registration is quick, easy and free of charge. All you have to do is dial *130*321# and follow instructions.

Contact details


E Solutions: +267 395 9881

Online Banking


FNB Online Banking is a web-based electronic banking solution allowing you the benefit of direct, secure and real-time electronic access to your FNB accounts, as well as the opportunity to manage your finances anytime, anywhere.

Why you need this

  • Do your banking whenever it suits you
  • No more waiting in queues
  • Safe and secure environment
  • Stay in touch with your accounts via inContact

What you can do with this

  • Make online payments
  • Transfer funds between your accounts
  • View your accounts and balances
  • View and download account statements
  • Apply for products online
  • Access qualifying FNB Botswana accounts

What it costs

  • Subscription to Online Banking is FREE of charge
  • Normal transaction fees will apply, please see our Personal Pricing Guide for more

FNB Banking App


With the FNB Banking App, you can do all this and more:

  • Make Geo Payments
  • Make use of eWallet functionality
  • Make Payments (including once off payments)
  • Transfer funds
  • View detailed balances and transaction histories
  • Add, edit, or delete recipients
  • Send Money to any Namibian cellphone number
  • Make calls and send messages to other App Smartphones
  • Locate FNB ATMs and branches on a map - will our also have a map?
  • Access an FNB Call Centre Directory
  • Buy Prepaid Electricity and Airtime
  • Receive inContact messages

Islamic Term Deposit Account


No monthly fees. Choose your investment term. Easy access.

3.37%*

*Indicative profit rate per annum with a minimum opening balance of BWP 1000.


The Islamic Term Deposit Account is a Shari'ah compliant investment account that pays out competitive returns, with a fixed term, typically giving you a higher profit rate than investments available overnight.

What's hot


It's free

There are no monthly fees.



Flexible period

Choose what's best for you from different investment periods, starting from 30 days to three years.



No investment limit

Invest as much as you want without any ceiling limit.



What you get


  • The capital sum plus the profit share could be paid out to you
  • The capital sum could be reinvested and only the profit share paid out to you
  • The capital sum plus the profit share could be reinvested
 

Getting it made easy


Islamic Term Deposit Account

Qualifying criteria

  1. Minimum opening balance of BWP 1000
  2. Individuals must be 18 years and over
  3. Earn a competitive rate of up to 3.37% annually

Ways to apply

Apply now!

Other ways to apply

Contact us

Find a branch

Documents needed

  • Proof of income
  • Proof of residence
  • Valid ID (applicant must be 18 years or older)
  • Letter of instruction for the investment to be placed, showing the amount, name of individual / entity where the funds should be placed, where the profits should be paid to, and the term of the investment