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First National Bank

image of First National Bank
image of First National Bank

About – First National Bank

The Acacia tree in our trademark logo, which is a suitable image of our history. Our roots run deep in South Africa, thanks’ to the commitment of serving the needs of our clients.

Did you know that FNB is the oldest bank in South Africa and that we were founded in the amazing town called Grahamstown in the Eastern Cape back in 1838? 

A division of First Rand Bank

Today we trade as a division of First Rand Bank Limited, two things, in particular, stand out when we look at our history, a story of survival – different situation’s in South Africa have modelled many great challenges of which FNB has effectively met. The second story is about people, and how our history has always been a firm influence when it comes to the people we serve.

The FNB breakthrough into the financial market

Breakthrough in FNB’s history took place in 1998 when the financial services interest of Anglo American and Rand Merchant Bank Holdings were merged to form FirstRand Limited. In this process, FNB was delisted from JSE on the 25th of May 1998 to be a wholly-owned subordinate of First Rand.

The First Rand Bank was listed on the JSE in May the 25th 1998. The banking interest took a turn on 30 June 1999, FirstRand formally merged into a single entity to form First Rand Bank being FNB,   WesBank and RMB who now trade as divisions of First Rand Bank.

Services – First National Bank

You have the freedom to choose your loan amount and term. You have a choice to loan from R1000 up to R 200 000 and pay your loan off from 1 to 60 months.

You can put your mind at rest knowing that at FNB your personal loan re-payment amount remains the same each month with a fixed interest rate which includes all fees and charges protecting you from interest hikes. The good news is that you can also boost your eBucks reward level and gain even more from FNB whil keeping an eye on everything via your online banking account.

Take a payment break in January

By keeping your personal loan up to date you automatically get a re-payment break every January, for loans over 6 months

Customer protection plan

Life can be very fickle, so in the event of you becoming unemployed, permanent or temporary disablement or the inability to earn an income, Our Customer Protection Plan (CPP) will warrant that you are taken care of even in the event of death.

Instead, you may want to take out a suitable life insurance policy if decide to use your own insurance.Credit insurance is compulsory if you are repaying your loan.

You will not be charged or penalised by FNB should you decide to settle your short-term loan account earlier than expected.

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Summary of Services

  • BUSINESS Loans
  • PERSONAL Loans


FNB - Gain more control over your debt

Why not consolidate your debt with FNB and this permits you to combine your debts.

That you have with numerous online loan and credit providers into one convenient loan. Enjoy the lower monthly repayments and gain control over your debt and finances. The bother and stress which comes with having to deal with multiple debt collectors are taken away. Be smart about managing your money and watch it go further. Take that step and consolidate your debt with FNB today.

Enjoy peace of mind and convenience it has to offer

Spend less time dealing with your debt and reduce monthly payments by having one interest rate and only one monthly payment

Top up and have your initiation fee surrendered

Credit card - your benefits: 

  • Enjoy up to 55 days interest-free on your credit card.
  • Automatic Debt Protection up to R 5000 at no charge.
  • Monthly coupons for spending at Checkers & Shoprite.
  • Comprehensive Global Travel Insurance free of charge.
  • Flexible payment options with auto-payment.

What you get:

  • Daily transactions with a loaded limit.
  • Tailored interest rates.
  • Rewards on your ebucks when you swipe

The requirements are:

Your annual salary should be anything from R80 000 per annum

Business loan - grow and expand your business

FNB Business Account holders that are viewing to raise capital to introduce into a business towards growth or even expanding purposes, attaining assets and additional business prospects maybe finance or business related disbursements over a medium term.

Flexible terms are from 3 months to 5 years at a minimum business loan amount of R 2000. Optional Loan Security: may not be compulsory to provide security for loans up to R 400 000. Automatic payments: You may use a form of paying by debit order from your business account. Amortise capital: Paying less interest over time, interest rate: Plan and budget for the term of the loan.

Business Flexi loan by FNB

FNB Business Flexi Loan gives you admittance to capital you already have repaid on the loan. Once you have re-paid 15% of the loan, you will have access to these funds again to use in your business.

Trade and investments

Intellidex Top StockbrokersAwards for 2017 voted FNB Securities as the Top Advice Broker FNB for 2017. If that's not enough motivation to trade and invest with us, have a look at what else we have to offer.

Skip the queues

FNB in partnership with the Department of Home Affairs (DHA) has launched the application of Smart ID and passport (new/ renewal) to the public.  You can apply online and even get a loan by completing our online loan application and collect at any one of four FNB Branches:

  • Lynnwood (Grove Shopping Mall)
  • Centurion Lifestyle
  • 4 Merchant Place
  • President Street West.

Any queries regarding eChannel applications must be directed to the Department of Home Affairs call centre on 0800 60 11 90.


Customer Reviews & Testimonials

 Contact Details

3, First Place, Pritchard St & Simmonds St, Bank City, Johannesburg, Gauteng, 2000, South Africa
Ph: 011 688 9900 / 0860 327 827
Em: info@fnb.co.za

 Postal Address

PO Box 1153, Johannesburg, 2000, South Africa

 Universal Branch Code

First National Bank’s universal branch code: 254005

 Opening Hours

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