Rating based on 87 reviews

FNB Bank

  • Private wealth
  • Free salary switch
  • Competitive rates

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Author FNB Bank. Screenshot of FNB Bank website.
[Accessed May 13, 2018]

FNB - A variety of banking benefits

FNB was founded in Grahamstown a beautiful little Town in the Eastern Cape back in 1838, which makes us the oldest bank in South Africa. 

Today we trade as a leading banking corporating as a division of FirstRand Bank Limited. Looking back at our history there are two things that stand out. 1. Survival – We have faced many challenges in our history by facing changing circumstances in South Africa, but we are happy to say that we have met all the challenges that we were faced with successfully 2. People – Our history has always been influenced by the needs of the people we serve.

Our roots

Our Logo is the Acacia tree which is a suitable representation of our history. Our roots run deep and we have developed by committing to serve the needs of our customers and communities. We offer home loans, vehicle finance and personal loans in addition to banking and investment services.

Our milestones

A milestone took place in FNB's history in 1998 when Anglo American and Rand Merchant Bank merged to form FirstRand Limited. In this process, FNB was removed from the JSE listing and on the 22 May 1998 to become a fully-owned subordinate of First Rand, and was then listed on the JSE on 25 May 1998.

On 30 June 1999, the banking interests of FirstRand officially merged into a single entity to form FirstRand Bank. Trading under the name of RirstRand Bank are FNB, WesBank, and RMB.

Focus areas

  • Our Education investment permits our youth to realise their potential.
  • The Early childhood development (ECD) fund is to assist the development of children and healthy citizens.
  • The Tertiary Bursary Programme has recognized a pressing need for greater access to tertiary education and student loans.
  • Hospice supports the greatest training and supportable local development.
  • Primary Education Focuses on teacher training and barriers to learning.
  • Community care The FNB Fund aims to endorse safer communities and protect defenceless children.

We embrace banking initiatives

Aligned with the vision of being a pronounced business helping to create a better world, First National Bank (FNB) sights its role within the country as going way further than that of a major player in the business environment.

A big emphasis for many years has been about embracing initiatives that will make South Africa a better place for all.

We create a better world to live in

A major element in attaining the goal of helping to create a better world is the determination of the FNB Fund. The FNB Fund is an important part of the FirstRand Foundation and has sixteen-years worth of history by means of giving to the community.

The Foundation centres its attention on the expansion and enablement of a broader community through businesses with best practices and non-profit organisations nationwide.

A new approach was introduced in 2007 to streamline the Foundation's attention in specific areas. This approach has led to a more well thought-out and meaningful plan of action and is directed to identify strategic focus areas. The new tactic will ensure that we make a greater impact on our focus areas.

Private clients

There comes a point in your banking life-cycle when a better and more focused approach to financial planning and better levels of service become vital. At FNB we distinguish this, we provide for these needs with an improved, tailor-made offer for private clients.

We offer a range of products for our private clients such as banking, lending, savings and investment options, financial and a responsible planning, along with a range of exclusive rewards and lifestyle offers. Our lending services include home loans, car finance, personal loans and credit cards. 

Private clients account provides for persons earning between R750 000 - R1 499 999 per annum.

Private banker, your go-to guy

As a private client, you have your own one-stop, private banker or the go-to guy who will give you the assistance you need with your personal banking. We also offer a 24/7 service line for those who don’t keep office hours.

FNB Bank – Banking product

  • Loan Type Banking

Benefits of FNB Bank

  • Apply quickly and easily
  • Get a bank account to suit your lifestyle

FNB - You can get a private banker

Your go to person or otherwise known as your private banker  is supported by a team of professionals, meaning that with one phone call, email, or contact using FNB online banking or the FNB Banking App, your personal private banker is able to assist you with

As your single point of contact at FNB, you will be assisted with all your banking queries. You will be provided by financial and wealth planning solutions through a team of experts.

FNB will offer you the best investment solutions that will suit your needs. We offer Forex assistance and last but not least we are able to structure your lending that is suited to your needs.

Here's what you get for an incredible cost of only R105 per month

Unlimited banking and free digital banking! Includes the following services all at your disposal, InContac, Card swipes, Electronic transactions, prepaid airtime purchases safely and conveniently and Free withdrawals and deposits.

FNB ATM withdrawals are Free of charge up to an amount of up to R5000 per month and cash deposits of up to R5000 per month at any FNB ATM with deposits

More savings

You can save money easily with our saving account, enabling you to boost your savings with regular payments, bank your change!


Apply for credit and get instant access to short term loans that just in case or when you need it most.

Save and Invest for the things that count

If you are sure of your goals and if you are comfortable enough, you could put away your savings for longer periods of time.

Money maximiser

Nominal interest rate over 12 months is 7.05% with a minimum of R1000 00 deposit.

Guaranteed capital

Your original deposit and quoted returns are 100% assured at no risk at all.

Regular transfers

With a Scheduled Transfer, you are able to set up regular transfers into your account.


Enables you to withdraw or deposit any amount of cash, at any time by means of online banking or visiting a branch.

Reinvest or redirect

Transfer or redirect your interest to another account.

Third-party payments

On the availability of funds, you are able to transfer payments to a third party.


Why not manage to improve your cash flow with an overdraft, it could be possible to qualify for an overdraft of an amount up to R 150 000, this will assist payments when you are cash-strapped.

To make things easier and more comfortable you can apply for an overdraft from the comfort of your home by making use of our digital channels which means you will always have enough cash for the things you did not budget for.

The nice thing about our overdraft is that you pay no fees if you don’t make use of the overdraft. You can also apply for a loan via our online loan application

man holding thumbs up

FNB Bank is a trusted & reliable provider of banking

In our review, FNB Bank adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

FNB Bank is a registered credit provider in South Africa: NCRCP3377

Customer Reviews & Testimonials

December 2018

When I lost my credit card, FNB acted swiftly in replacing it which was exactly what I needed.

Victor N
— East London —

December 2018

Well done on your customer service. The consultants at the call centre are very respectful and know how to do their job.

Graeme D
— Port Elizabeth —

May 2019

Opening an account with FNB was so easy. The consultant who helped me was a pleasure to deal with; she was very friendly and assisted me so quickly- within 30 minutes it was done.

Aletta B
— Pretoria —

FNB Bank Contact

Physical Address

  • 3 First Place, FNB Bank City, Simmonds Street Johannesburg Gauteng 2001 South Africa
  • Get Directions

FNB Bank Universal Branch Code

  • 254005

Postal Address

  • PO Box 1153, Johannesburg, 2000, South Africa

Opening Hours

  • Monday 08:00 – 17:30
  • Tuesday 08:00 – 17:30
  • Wednesday 08:00 – 09:00
  • Thursday 08:00 – 17:30
  • Friday 08:00 – 17:30
  • Saturday 08:00 – 13:00
  • Sunday – Closed