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Direct debit order facilities


On the payment due date, your amount payable (minimum due or full amount owing) will automatically be deducted from your bank account and your credit card account will be credited (subject to one day 'uncleared effects'). A fixed amount can also be deducted and credited monthly, which will ensure that your account is always in good standing.

Switching debit orders


If you have an account with another bank, FNB has a dedicated team who will be happy to help you switch your debit orders to your new FNB account for free. You will receive regular updates on the progress.

Inter-account transfers


A safe and easy way to transfer money from linked accounts. Transfers can be done at an ATM or via the internet.

ATM transfers


Allows you to use your credit card to access all your accounts and do all your banking transactions. Your FNB account will automatically be linked and you can use your card to draw cash from your credit card account, make inter-account transfers, pay bills and link third party accounts for payments.

Online Banking

FNB's Online Banking service offers you a safe, flexible and convenient way to manage your accounts and to do your banking. If you do not have a computer, you can go to selected FNB branches that offer you free access to Online Banking.

Online Banking


FNB's Online Banking service offers you a safe, flexible and convenient way to manage your accounts and to do your banking. If you do not have a computer, you can go to selected FNB branches that offer you free access to Online Banking.

General card safety


  • Always sign the back of your card as soon as you receive it, using a ballpoint pen.
  • Never disclose your personal identification number or PIN for your credit card to anybody, not even a call centre agent. You are the only person who should ever know this number. Remember your PIN, don't write it on the card and, if you do write the number down, keep it in a safe place separate from your credit card.
  • When using your card at an ATM, enter your PIN in such a way that no one can easily see your keystrokes.
  • Don't leave your slip behind at an ATM. Rather shred it to stop card fraud.
  • Never allow your credit card out of your sight. You have the right to be present when your card is swiped through an electronic terminal. Fraudsters can use small handheld reading devices to capture the electronic data on your card. This information can be used to produce a fake card.
  • Make sure that you always get your own card back after using it. Also, make sure that you tear up any voided or cancelled sales slips.
  • Report a lost or stolen card to FNB immediately.
  • Ignore any credit card offer that requires you to spend money up-front.
  • Never give your credit card number over the telephone unless you initiated the call.
  • Keep a list of your credit cards, credit card numbers and toll-free numbers in a safe in case your cards are lost or stolen.
  • Check your monthly statement to ensure all charges are your own and immediately notify us of any errors or unauthorised charges.

Internet card safety


  • Ensure the site you are on is secure (check for the padlock indicating a secure site, the use of https://.. is also more secure than http://...)
  • Ensure the site is legitimate (look at the address, certificates, etc.)
  • Safeguard your bank cards and PINs at all times
  • Keep your FNB Online Banking details secret
  • Change your PINs and passwords regularly
  • Don't allow your browser software to save your password
  • Install and maintain antivirus software
  • Make sure you shop securely online

Cash deposit fees


  • A cash deposit fee is charged if you pay cash into your credit card account.
  • To avoid this charge, we recommend that you use one of the easy electronic payment options.

Over limit fees


  • Please take note of the limit on your card. Your card limit is shown on your monthly statement.
  • An over limit fee is charged whenever you exceed the credit limit.
  • This fee is not designed to penalise you - please let us know if you require a limit increase.

Late payment fees


To avoid this charge you must pay at least the minimum monthly instalment due before the payment due date.

Debit interest


  • Ensure you pay the full outstanding amount on your statement to avoid being charged interest.
  • If you do not pay the full outstanding amount on or before the due date shown on your monthly statement, interest will be charged from the date of each transaction on your account, on both the statement balance and on any new purchases made on your card.
  • Fuel, outward electronic transfers and cash transactions always attract interest from the transaction date.

Drive and swipe


The following service stations accept cards as payment for fuel:

MERCHANT TOWN
PIONEERSPARK SERVICE CC Windhoek
RIVERSIDE SERVICE CENpreset:trE Windhoek
ELOFF SERVICE STATION CC Swakopmund
WALTERS MOTORS Windhoek
SWAKOPMUND SERVICE STATION Swakopmund
OKAHANDJA ONE STOP Okahandja
BACHSpreset:trEET SERVICE STATION Windhoek
*JD SERVICE STATION CC Henties Bay
WIKA SERVICE CENpreset:trE CC Windhoek
3 WAY SERVICE STATION Okahandja
V K AUTO ELECpreset:trIC CC Windhoek
MARIENTAL FUEL CENpreset:trE Mariental
SWAKOP preset:trUCK PORT DR&CR Swakopmund
FOURWAYS TOTAL Otavi
MARTINS ENTERPRISES CC Tsumeb
OKAHANDJA SERVICE STATION Okahandja
THREE WAY preset:trUCK SHOP Okahandja
OASIS CAMP SITE Sesriem
HANZELL DIENSSTASIE Karasburg
SOUTH END SERVICE STATION Oranjemund
KUNENE MINI MARKET Ruacana
C J SERVICE STATION Otjiwarongo
GROBLER MOTORS Henties Bay
SOLTAIRE PEpreset:trOL Solitaire
RUNDU preset:trUCK SHOP CC Rundu
TOTAL HAKAHANA Otjiwarongo
VAN DER WALT MOTORS Windhoek
OKAUKUEJO FILLING STATION Etosha
ONGWEDIVA SERVICE STATION Ongwediva
TORRA BAY FUEL Torra Bay
NAMUTONI FILLING STATION
KALKRAND SERVICE STATION Etosha
EYAMBEKO CONSpreset:trUCTION CC Kalkrand
KHANRIVER SERVICE STATION Outjo
HALALI FILLING STATION Usakos
POOLMAN MOTORS Okahandja
AI AIS FILLING STATION Ai-Ais
TERRACE BAY FUEL STATION Terracebay
ONGHA DR & CR FUEL Oshikango
HOCHFELD SERVICE STATION Hochveld
SEC KATIMA MULILO Katima Mulilo
SESRIEM FILLING STATION Sesriem

Understanding credit cards


We show you how to manage your credit by means of your budget facility, setting up limits and more.

Managing credit


Setting up limits and more

Budget facility

A credit card from FNB includes a Budget facility, which gives you the convenience of financing more expensive items, such as school fees and emergency expenses.

  • The Budget facility is a secondary facility on a credit card account.
  • This facility may be used for larger purchases above N$200 and is repayable over a period that suits you from 6 to 60 months.
  • The full transaction amount is debited to the budget account and the monthly instalment is debited to the Straight/Revolving facility on the statement billing date (not on the payment due date).

Credit limits and extended Budget facilities

Through your Credit Limit and extended Budget facilities, your credit card from FNB offers you credit limit reassessment.

  • Credit limits are flexible, which means you can ask for them to be changed.
  • If you are planning an overseas trip, you can arrange a temporary Credit Limit increase or ask that your Budget Limit be moved to your Straight Limit, as the Budget facility is not available internationally.
  • You may wish to limit your exposure to possible fraud by decreasing your Credit Limit and/or Budget facility at your convenience.

Paying your credit card


Stay financially secure and out of debt


Below is a list of ways in which you can pay funds into your credit card. Paying off the outstanding balance each month is one of the best way to stay financially secure and out of debt.

Direct debit order facilities

Switching debit orders

Inter-account transfers

ATM transfers

Online Banking

 

Safety tips


Avoid the risks


Let us guide you in using your credit cards to your best benefit, while avoiding the many risks that are out there.

General card safety

Internet card safety

 

How to avoid paying fees


Choose the best option


Cash deposit fees

Over limit fees

Late payment fees

Debit interest

 

Credit card forms


Get the paperwork done

Below is an extensive list of all the forms you need to fill in for the various credit card processes such as linking cards, upgrading and more.

Downloadable forms

Additional Card Application

Letter of Dispute

Direct Debit Authorisation

Business Facilities

Upgrade

Limit Increase Request

*Please note you need Adobe Acrobat Reader to open these files.

Download Adobe Acrobat Reader free of charge.

Contact details

For customer enquiries please phone +264 61 299 2213, or email us on fnbcard@fnbnamibia.com.na.