Report fraud & Smart inContact

Report fraudulent transactions instantly via the FNB Banking App.
Alternatively, contact us to report a fraudulent incident: 061 299 2222

Smart inContact

Activate Smart inContact to receive notifications and approve transactions with the app's intelligent, interactive messaging. Have more control over your account by setting up alerts.
For any unknown or suspicious transactions you will be able to connect to the fraud helpline immediately.

When an attempt is made to login to your Online Banking profile via a PC or mobile device that hasn't been verified, you'll receive a notification via Smart inContact requesting you to approve or verify the device.
If you suspect any unauthorised activity on your account you can connect to the fraud helpline immediately.

Protection in the event of a lost or stolen card.
Report a lost or stolen card within 24 hours of the incident to the dedicated, toll free, 24 hour hotline and FNB will assist in the event of a non-PIN related fraud incident on your account before the card is cancelled.
Lost Card Protection may not apply if it is determined that you were careless in protecting your card or PIN.

In the event of your card being lost or stolen, call the Lost Card hotline immediately on 061 299 2222
Terms, conditions and rules apply.

Lost Card Protection

Lost card? No problem. Manage your cards via the app.
Protection in the event of a lost or stolen card.
Report a lost or stolen card within 24 hours of the incident and FNB will assist in the event of a non PIN related fraud incident on your account before the card is cancelled. Lost Card Protection may not apply if it is determined that you were careless in protecting your card or PIN.

Personalised interest rates

At FNB we recognise that each person's needs are unique.
For this reason we have introduced personalised and competitive debit and credit interest rates. Call us or visit your nearest branch to fnd out more about your personalised interest rate and how you can benefit from this service.

Terms and Conditions apply.

55 Days interest free

Enjoy up to 55 days interest free on purchases made on your straight FNB Credit Card facility. Purchases do not include cash transactions, traveller's cheque purchases and certain forex transactions.

Terms and Conditions apply.

Free Budget Facility

The Credit Card Budget Facility is a convenient feature that allows you to choose from a range of repayment periods from 6 - 60 months It is ideal for making larger purchases and paying it off over longer periods of time. Any purchase in excess of N$200 can be placed on budget. The Budget Facility is linked to your FNB Credit Card and the monthly instalments are directly debited off your straight facility.

Auto Payment Solution

The Credit Card safety net.

Have the convenience of having your credit card account paid on time, every time!

Did you know that FNB Credit Card's Auto Payment Solution allows you to pay your account with ease and serves as a safety net? Have the convenience of having your credit card account paid automatically on time, every time. The Auto Payment Solution works with a 'built in' calculator which takes into account any pre-payments and deducts these amounts from the required debit order amount.

Credit cardholders can select one of six convenient Auto Payment Solutions which will be applied monthly to pay your account:

• Fixed amount - Pay a fixed amount of your choice. This amount cannot be less than the minimum amount owed
• Full amount - Settle the full outstanding balance including your budget instalment(s) for the relevant month
• Full straight statement balance - Settle the full amount outstanding on the straight facility as indicated on your statement monthly
• Minimum payment amount due - Pay only the minimum amount outstanding on your account monthly, ie 5% of your full outstanding balance
• Percentage payment - Select a percentage of outstanding balance to be deducted monthly. This amount can be anything from 5% - 100%

Benefits of an Auto Payment Solution:

• Do not pay any transactional fees/charges on your FNB Credit Card, excluding cash withdrawals, fuel transactions, EFT's and casino transactions
• Save time and money
• Experience convenience and peace of mind knowing your account is paid regardless of where you are

Easy steps to set up an Auto Payment Solution:

• Log on to your internet banking profile and click on My Bank Account , then My Accounts
• Select the relevant credit card and click on Settings
• Then click on Auto Payment Solution and select your Auto Payment Option
• You will then be required to enter the details of the account from which you want to make the payment
• A confrmation screen will pop up, click on Confrm and then Finish

Or

Call the number on the back of your credit card

On the payment due date, your amount payable (as per the payment option you have selected) will automatically be deducted from your bank account and your credit card will be credited subject to one day "uncleared effects"

Balance Transfer

With a Balance Transfer from FNB, you can consolidate your debt and make one repayment, as well as have a holistic view of all your payments in one statement.

Consolidate and transfer your outstanding debt (retail store debt, short term loans, personal loans and other credit card debt) into the budget facility of your FNB Credit Card and pay an interest rate of prime +1%, for the first 9 months, thereafter ruling interest rates will apply.

To switch to FNB and benefit from the promotional Balance Transfer rate, apply online or call 0860 FASTAP (0860 327827)

Terms, conditions and rules apply.

FNB Banking App

Bank on the go safely and securely with the FNB Banking App. As a registered Online Banking user, you can access the FNB Banking App. Access the FNB Banking App for free, and you'll pay no data fees.

Manage your money

• View detailed balances and your transaction history
• Manage your daily transaction limits

Manage your card

• Cancel your card

Online Banking

Bank safely and securely 24/7 with Online Banking.
Online Banking is the convenient, real-time way to access your accounts. Pay, transfer, and invest easily from the comfort of your couch. Banking Online is:

• Convenient. You can do most things via Online Banking that you can do in a branch.
• Secure. Keep track of your transactions with free inContact, OTP notifications and online protection software.
• Simple. All you need is an FNB bank account and access to the internet.

With Online Banking you can do your day-to-day banking:

• View detail balances and transactions
• Transfer funds between accounts
• Make payments
• Manage recipients
• Send money

You can take control and protect your account by:

• Managing your FNB cards
• Viewing/updating your PIM

You can also buy:

• Prepaid airtime
• Prepaid electricity

Register for Online Banking

Terms, conditions + rules apply.

Online Secure

Protect your card against fraudulent use online. Online Secure uses a One Time PIN (OTP) that is sent to you and comes at no extra cost. To activate Online Secure on your card, you must be an Online Banking user.

Online Secure is a free service and can easily be activated from your Online Banking profile.

Activate your card by logging on to your Online Banking profile and following these prompts:

1. Log in to FNB Online Banking.
2. Select the My Bank Accounts sub tab.
3. Select the card you would like to activate.
4. Select Activate Now under the Online Secure column.
5. Click I accept and agree to the Disclaimer above.
6. Select Finish on the Activation Results screen.

How to use Online Secure when shopping online:

• Once activated, proceed to the checkout.
• Type in your 16-digit card number when prompted.
• You will then be prompted for a One Time PIN (OTP), which you will receive via SMS.
• Finalise your purchase.

Online Secure FAQs

Consumer Disclaimer