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Financial planning

Overview

Overdraft

A short-term credit facility to cover unforeseen expenses or to serve as a safety net. Customers must have an active FNB Cheque Account

What the Overdraft offers me:

Immediate availability upon approval, and if you don't use it you don't pay for it
No minimum monthly repayments as long as you remain within the agreed limit and make regular deposits such as your salary into your cheque account
A fluctuating facility, which reduces with monthly deposits
A personalised interest rate based on your credit profile
A monthly fee, only if more than R200 of the facility is used

What this allows me to do:

Cover unforeseen expenses
Enjoy a safety net in case of an emergency

Overdraft Debt Protection

FNB also offers a Debt Protection Plan to assist you and your family to pay Overdraft (credit facility) debt in the event of your death or permanent disability. To ease the financial burden in the event of temporary disability or retrenchment, we will help pay your monthly instalments on the covered facility.

View the Overdraft Facility Terms and Conditions

My Practice

As medical practitioner you need a specialist team of bankers to assist you with your personal and commercial banking needs.

What My Practice offers

Business transactional banking

Cheque accounts
Overdraft facilities
Credit cards
Petro Cards

Access to finance for the start-up and expansion of your professional practice including:

Property finance
Medical, dental and optometry equipment finance
Vehicle finance

Other

Instant Accounting (your bookkeeping is done automatically every night)
Speedpoint merchant acquiring

FNB Premier Current Account

Your FNB Premier Current Account gives you access to enjoy hassle free debit order, salary and beneficiary switching and the Unlimited Pricing Option gives you unlimited electronic transactions (excluding branch, cheque and Saswitch transactions). Swiping your card in-store is free and you can also use the popular and free FNB Cash@Till service to draw cash at Checkers, Pick n Pay and Shoprite stores. An overdraft facility is also available on application (qualifying criteria apply) and you will only pay for it when you use it

Plus all these benefits and rewards

Get a smartphone/tablet/or laptop at a reduced rate with 24 months to pay.
Earn up to 15% back in eBucks when filling up with fuel or up to 15% back in eBucks when purchasing airtime with your FNB Visa Cheque Card
Free delivery of your FNB Visa chip + PIN Cheque Card
Free ADSL data per month through FNB Connect
Exclusive Visa offers
Access to FNB Connect, which provides cheaper call and data rates
Free inContact to help you keep track of your transactions via SMS or e-mail
Free Online, Cellphone and Telephone Banking subscriptions
Free Linked Savings Account (Savings Pocket ) linked to your Platinum Cheque Account
Bank Your Change to help you save when swiping your FNB Visa Cheque Card. Automatically save your 'left over' cents in your Linked Savings Account when you swipe your FNB Cheque or debit card. Rounding up and top-up options are available.

FNB Premier Credit card

With your FNB Premier Credit Card you get personalised and competitive interest rates (which can be up to 3% lower than other products), a world of exclusive travel benefits, like SLOW Lounges, maximise the eBucks you earn on everyday shopping and get access to a dedicated team of bankers available24/7 on the FNB Banking App, plus every swipe is FREE.

Not only do you get a FREE Linked Petro Card for the first 3 months with your Premier Credit Card, but you also get access to AA Emergency Roadside Assistance, free of charge. You can use your Linked Petro Card to pay for fuel, oil and car services (excluding toll fees). You can earn eBucks on services, repairs and maintenance, PLUS you can also earn up to 15% back on fuel when using your credit card or Linked Petro Card.

Plus, enjoy these benefits and rewards

Maximise the eBucks you earn
Free Comprehensive Global Travel Insurance when you purchase your return travel ticket with your credit card
Free AA Emergency Roadside Assistance (with a Linked Petro Card)
Access to SLOW Domestic and International Lounges as well as SLOW in the City
Up to 55 days interest free period
Free Automatic Debt Protection
Free subscriptions to the FNB Banking App, Online Banking, Telephone Banking and Cellphone Banking.
You'll receive free SMS notifications with inContact.
24/7 Access to a dedicated team of Premier Bankers available via secure chat on the banking App.
Access to a budget facility for large purchases from R200 or more over a period of 6 to 60 months

Contact us

Contact us
Operating hours
Secure Chat®
Chat directly to your team of bankers 24/7, any time, any day via Secure Chat® on the FNB App

Telephone
Your team of bankers will be available to help you from:
8 am to 6 pm Monday to Friday, and
8 am to 1 pm on Saturdays.
Closed on Sundays and public holidays.

More Rewards

Holidays will never be the same

Pay for your holiday using your eBucks, your FNB Credit or Current Card, or a combination of both when you book through eBucks Travel
Get local and international travel deals through eBucks Travel
Order your foreign notes via FNB Online Banking and get it delivered to your door
Use a Global Account from FNB to save for your overseas holiday
Use a Multi-currency Cash Passport™ from FNB when travelling
Get Comprehensive Global Travel Insurance to keep you covered no matter where you go in the world, when you purchase your travel tickets on your FNB Cheque or Credit Card

Save on transport

Earn up to 15% back in eBucks on Uber rides
Earn up to 15% back in eBucks when you fill up with fuel at any fuel station
Use your eBucks to fill up with fuel at participating Engen service stations
Get free AA Emergency Roadside Assistance with a Petro Card

Medical professionals

Be recognised for all your hard work

If you are employed or training as a medical professional, earn more than R5 500 per month, and are between the ages of 18 and 30, you can get access to Premier for Medical Professionals.

Team of Premier Bankers
Day-to-day banking
Borrow
Invest
Plan + protect
eBucks Rewards
Lifestyle value
Getting it made easy
Get in touch

Team of Premier Bankers

Get in touch

What the team can do for you

A team of bankers is available for all your needs

You don't have to walk into a branch because your team of bankers can assist wherever you are.

So contact us when you need assistance with:

Guidance on your rewards and benefits
Applying for credit facilities and limit increases
Opening and managing Investments with FNB
Applying for finance when buying a home or a car
Get foreign notes and Multi-currency Cash Passports when travelling internationally

Getting insurance for your valuables
Planning for the longer term through independent financial advisors
Getting foreign currency when you travel to other countries
Getting foreign notes and Multi-currency Cash Passports when travelling internationally
Assistance with sending or receiving funds from abroad. Guidance on sending and receiving global payments if you need to transact internationally for work or studies abroad

Your team of bankers is supported by financial advisory, travel, investment and insurance specialists.

My Practice

Day-to-day banking

Be the first of your friends to whip out a Premier Card

With Premier for Medical Professionals you not only get access to Premier Current Account and Credit Card, but you also get all the benefits
that comes with being a Premier customer.

You also get access to the best of FNB's electronic channels, with free subscriptions to FNB Online Banking, Cellphone Banking
and the FNB Banking App.

Premier Current Account

Premier Credit Card

Borrow

Access to credit

Premier Credit Card

Get personalised and competitive interest rate.

Vehicle Finance

The car of your dreams is just a few clicks away.

Overdraft

A short-term financial solution which can assist you if unforeseen expenses arise.

Home Loans

Premier would like to ensure that your journey to home ownership is a smooth one.

Invest

Start investing today

It's never too early to start investing and building that nest egg

of funds to set you up for life. Premier gives you access to a

whole range of investments.

Full range of investments

Giving you the choice of how much and how flexible you need to be in your investment.

Share investing

There are 3 types of share accounts to choose from depending on your level of experience in the share market.

Krugerrands

Offering you a great store of wealth.

Plan + protect

Your financial needs are as unique as you are

With FNB you will be given objective money management solutions, guaranteed.

Our advisory team are more than just advisors as they are able to understand your unique situation and financial goals. By taking a holistic view of your personal portfolio and risk profile, they are able to formulate a financial strategy, which will assist you in achieving your personal financial goals.

Their services include:

Investment planning - Aims to design an appropriate investment strategy that you understand
Cash flow management - Finding the optimal balance between your income and expenses
Retirement planning - Enables you to be in a position where you can retire comfortably
Estate planning - Ensures that your assets are there when you, or your heirs, need them
Risk planning - Helps you ensure that you have made adequate financial provision in the event of your death, disability or a dreaded disease

eBucks Rewards

Be rewarded for banking

Earn up to 15% back in eBucks when you spend at our partners and get up to R8/l back in eBucks monthly with Engen and WesBank.
Get rewarded with WhatsApp messaging on us. Plus, get up to 15% back in data on your FNB Connect SIM plan and bundle purchases.
Clicks double earn for seniors on Wednesdays.
Seniors 60 years and above will receive 1GB extra data every month on their FNB Connect SIM when they meet the minimum spend of R100.
Earn up to 50% back in eBucks on the transaction fees when sending or receiving funds from abroad.

Visit www.ebucks.com for more information

Lifestyle value

Enhance your lifestyle

Get your smart device through FNB

FNB offers smart devices at reduced rates and you can pay for them over a 24 month period

with zero additional fees, interest or charges payable. See our latest deals

Holiday and travel

Pay for your holiday using your eBucks, your FNB Credit or Current Card, or a combination of both when you book through eBucks Travel
Get local and international travel deals through eBucks Travel
Use a Global Account from FNB to save for your overseas holiday
Get Comprehensive Global Travel Insurance to keep you covered no matter where you go in the world, when you purchase your travel tickets on your FNB Cheque or Credit Card
Customers will be able to hire a car without booking a flight
Get up to 40% off selected flights for you and your family with eBucks Travel
Order foreign notes and a Multi-currency Cash Passport™ through the FNB App or Online Banking and it will be delivered to you at no charge*

Save on transport

Use your eBucks to fill up with fuel at participating Engen service stations
Get free AA Emergency Roadside Assistance with a Petro Card

*You can order foreign notes and the Multi-currency Cash Passport up to 60 days before travel and return unused funds within 30 days of your return.

Getting it made easy