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This is a short-term, convenient facility that is tailor-made to help you gain more financial flexibility, while being ideal for emergencies and unforeseen circumstances

Overdraft

This is a short-term, convenient facility that is tailor-made to help you gain more financial flexibility, while being ideal for emergencies and unforeseen circumstances

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More about: Overdraft

Why do I need this?

An FNB Cheque Account is a great way to establish a solid banking record, putting you in a better position to apply for credit when you need it. Meanwhile, the overdraft facility that comes with many of our cheque account options can help you address any immediate borrowing needs.

  • An Overdraft is a short-term financial solution ideal for covering unforeseen expenses
  • The facility is available on application, for Personal Lifestyle Account customers
  • There is no minimum monthly repayment required, as long as you remain within your agreed limit and make regular deposits (such as your salary) into your Lifestyle Account every month.
  • An overdraft is a fluctuating facility which reduces with your monthly deposits, and is immediately available again, up to the approved limit
  • Your overdraft will be reviewed on an annual basis
  • Credit fees will be provided upon application

What will it cost?

  • Interest is charged monthly on your overdraft balance.
  • The interest rate will be calculated for you, once your application has been submitted.
  • The amount you qualify for, as well as the interest rate, will depend on your credit profile
  • You only pay interest on the amount you use, for the period it is used
  • Note that you'll be required to make monthly deposits into your account

Do I qualify?

To qualify for this product you must hold an FNB Personal Lifestyle Account.

I want it!

Call us on +264 61 299 2222 or visit your nearest FNB branch.

What do I need to do?

  • If you hold a Personal Lifestyle Account, you can apply for an Overdraft now, at your nearest FNB Branch, or by calling +264 61 299 2222.
  • If you don't hold a Personal Lifestyle Account, you'll need to apply for one before you can have an Overdraft facility.

Contact Details

Call us on +264 61 299 2222 or visit your nearest FNB branch.