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First National Bank is a retail brand of FirstRand Bank Limited. Confirm the current registration on the SARB list.

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About FNB

First National Bank is a retail brand of FirstRand Bank Limited. Confirm the current registration on the SARB list.

FNB is listed on WiT Money where a published comparison uses this name. The products sit in these directories: Banks, Credit providers, Business finance providers, Funeral cover providers, Insurance companies, Home loan providers, Trading platforms.

The linked comparisons are Business bank accounts, Business credit cards, Business loans, Invoice finance, Asset finance, Business overdrafts, Funeral cover, Life insurance, Credit life insurance, Personal loans, Short-term loans, Emergency loans, Home loans, Home improvement loans, Secured loans, Credit cards, Notice accounts, High-interest savings, Share trading.

The source material names FirstRand Bank Limited. That wording was not re-checked against a register, and the brand on a page can differ from the company on a contract.

A profile is not an endorsement, a rating or a promise that a product is suitable. Registration of a firm does not set the terms of a particular account, policy or investment, and it does not mean the product is free from loss.

Legal name in the source material. FirstRand Bank Limited

Products and services on WiT Money

These are the published WiT Money records for this name. A company in a large group is not assumed to offer every product sold under a similar brand.

Business bank accounts

  • First Business Zero

    Digital account, unlimited card swipes

    R0 monthly account fee, as published by the bank. Other transactions may still be charged. This is not a statement that the account is free.

    View the comparison

  • Gold Business

    SME transactional banking; access to business products

    From R49 a month, recorded as a starting fee. Other charges are not included.

    View the comparison

  • Platinum Business

    Business support and transactional account

    From R150 a month, recorded as a starting fee. Other charges are not included.

    View the comparison

  • Enterprise Business

    Relationship-led business banking

    Confirm current fee with bank

    View the comparison

Business credit cards

  • Gold Business Credit Card

    Business spend controls; up to 35 days interest free on qualifying purchases

    Confirm current fee with bank

    View the comparison

  • Platinum Business Credit Card

    Travel benefits; up to 35 qualifying interest-free days

    Confirm current fee with bank

    View the comparison

  • Black Business Credit Card

    Business travel and rewards features

    Confirm current fee with bank

    View the comparison

  • Business Petro Card

    Fuel/tolls and motoring expenses

    Confirm current fee with bank

    View the comparison

Business loans

Invoice finance

  • Selective Invoice Discounting

    Solvent business, quality approved debtor

    Invoice percentage quote

    View the comparison

Asset finance

Business overdrafts

Funeral cover

Life insurance

Credit life insurance

Personal loans

  • Mainstream personal loan

    Eligibility and income assessment; product-specific

    Personalised; exact current offer required. Initiation: Check quote. Service fee: Check quote.

    View the comparison

Short-term loans

  • Temporary Loan

    FNB active transactional account 6+ months; SA citizen 18+; credit/affordability check

    0% interest; initiation fee can apply. Initiation: Provider example R63.25 incl VAT on R500. Service fee: Provider example R0; other scenarios check.

    View the comparison

Emergency loans

  • Temporary Loan

    Existing FNB transactional client 6+ months, assessed

    0% interest. Initiation: Initiation fee applies. Service fee: Example R0.

    View the comparison

Home loans

  • Home Loan

    Home loan with additional facilities

    Personalised. Bond, transfer, initiation, monthly servicing costs: quotation

    View the comparison

Home improvement loans

  • Home Loan Readvance

    FNB readvance lending

    Personalised. Check bank charges and credit reassessment

    View the comparison

Secured loans

  • Home Loan Readvance

    Secured borrowing via mortgage

    Personalised. Bond fees depend on method; quote

    View the comparison

Credit cards

  • FNB Aspire Credit Card

    Subject to credit and affordability assessments

    R65 monthly card fee, as published. Interest and other charges are not included.

    View the comparison

  • FNB Premier Credit Card

    Subject to credit and affordability assessments

    R125 monthly card fee, as published. Interest and other charges are not included.

    View the comparison

  • FNB Private Clients Credit Card

    Subject to credit and affordability assessments

    R210 monthly card fee, as published. Interest and other charges are not included.

    View the comparison

  • FNB Private Wealth Credit Card

    Subject to credit and affordability assessments

    R380 monthly card fee, as published. Interest and other charges are not included.

    View the comparison

Notice accounts

High-interest savings

Share trading

  • Shares Zero

    Selected JSE Top 40 shares and ETFs/ETNs

    R0 monthly; 0% brokerage on FNB ETFs/ETNs; non-FNB ETF/ETN brokerage see tariff

    View the comparison

  • Share Investor / Share Builder

    Selected local share baskets, ETFs, ETNs, Krugerrand exposure

    Tariffs and account fees vary by account; obtain current tariff

    View the comparison

Published product details

  • Digital account, unlimited card swipes
  • SME transactional banking; access to business products
  • Business support and transactional account
  • Relationship-led business banking
  • Business spend controls; up to 35 days interest free on qualifying purchases
  • Travel benefits; up to 35 qualifying interest-free days
  • Business travel and rewards features
  • Fuel/tolls and motoring expenses

Advantages and considerations

These points come from individual product records. They are not a general review of the company.

Recorded strengths

  • First Business Zero. No monthly account fee
  • First Business Zero. App-based banking
  • Gold Business. Published entry-level business account option
  • Platinum Business. Designed for larger SME needs
  • Enterprise Business. Tailored banking for larger enterprises
  • Gold Business Credit Card. Business expense functionality
  • Platinum Business Credit Card. Benefits for business travellers
  • Black Business Credit Card. Additional cardholder benefits

Recorded limits

  • First Business Zero. Restricted to sole proprietors
  • First Business Zero. Other transactions may cost extra
  • Gold Business. Other transactional charges
  • Gold Business. Compare bundled terms
  • Platinum Business. Higher monthly base fee
  • Platinum Business. Account eligibility thresholds
  • Enterprise Business. Relationship pricing
  • Enterprise Business. Limited public cost comparability

Fees and costs

  • R0 monthly account fee, as published by the bank. Other transactions may still be charged. This is not a statement that the account is free.
  • From R49 a month, recorded as a starting fee. Other charges are not included.
  • From R150 a month, recorded as a starting fee. Other charges are not included.
  • Confirm current fee with bank
  • Quoted interest and fees
  • Invoice percentage quote

A missing fee is not shown as R0. Where no figure is published, the price has to come from the provider.

Regulatory information

  • SARB/PA member bank; confirm legal entity and authorisation scope
  • A registration number was claimed in the source material. It was not re-checked on the NCR register, so the number is not shown.
  • Published base account/card fee only; 2026 price guide and all variable fees require checking
  • Bank lender
  • Bank invoice purchaser
  • Minimum in older FNB FAQ R1,000, not adopted as current.
  • 31-day example, current maximum R10,000 confirmed in main page.
  • Direct lender

An authorisation, where one exists, is for particular activities. It is not an endorsement by the regulator, and it does not mean a product is suitable.

Compare FNB on WiT Money

Sources and how this profile was reviewed

Research dates on the underlying records run to 29 October 2026. Rebuilding this page did not re-check every register entry.