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Save your change


This account gives you an option to Bank Your Change™ every time you swipe. We round your card purchase value up and transfer the difference between your purchase amount and that amount into your Linked Savings Pocket.

The Linked Savings Pocket is linked to your transactional account and allows you to keep your savings separate.

Free Digital Banking


Free subscriptions to inContact, FNB Cellphone Banking, Online Banking and the FNB Banking App.

inContact is an innovative free messaging service that informs you of all transactions on your account as they occur, through sms and/or email.

Smart Account

The FNB Smart Account gives you access to the world of banking innovation by providing services that make handling your finances simple.

  • A minimum balance of P0 is required

  • Get bank cheques
  • Access to loans
  • Flexible pricing option

What this is


The smart way to bank


Smart Account is more than just an account. It also enables you to set up stop and debit orders for regular payments, as well as apply for loan finance.

If you don't yet qualify for the Gold Account, this could be the product for you.

 

What I can do


Smart meets convenience

Choose what you pay

Easy and convenient banking with a pricing option that suits your banking needs

Pay with cheques

Get bank cheques if required

Make secure payments

Save and make payments in a number of secure ways

Access funding

You can apply for a FirstLoan facility

Automate your payments

Stop orders and debit orders can be set up

Save your change

This account gives you an option to Bank Your Change™ every time you swipe.

Read more

Bank with ease


Smart meets simplicity

Cardless withdrawals

Get instant access to your money without a bank card using our digital banking channels



Pay to cell

Pay FNB account holders using their account number - no need to have account details



Pay to eWallet

Send money to family and friends who don't have bank accounts straight from your account



Hassle-free payments

Use online platforms to set up stop orders and debit orders to pay regular monthly bills



Free Digital Banking

Free subscriptions to inContact, FNB Cellphone Banking, Online Banking and the FNB Banking App.

Read more

Getting it made easy


Smart Account

How to get it

Call me back

Other ways to apply

Contact us

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