FNB Cheque Debit
FNB Cheque Account with debit card South Africa: free transactions with qualifying salary, eBucks rewards on spending, free online banking. Review on CreditDeals.
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FNB Cheque Account & Debit Card — South Africa's Most Awarded Banking App
FNB's Cheque Account is a full-featured South African transactional bank account offering a Visa debit card for everyday spending. FNB is part of the FirstRand Group, one of South Africa's largest financial services groups, and is regulated by the FSCA and SARB. The FNB app is consistently rated as one of South Africa's best banking apps, offering a comprehensive suite of digital banking features, including eBucks Rewards.
Why Choose First National Bank (FNB) South Africa?
eBucks Rewards — earn on everyday banking
FNB eBucks is South Africa's leading bank rewards programme. Earn eBucks on qualifying transactions and redeem at Pick n Pay, Clicks, Engen, Takealot and more.
Award-winning FNB app
The FNB app has won multiple awards for innovation and user experience — manage your account, transfer money, buy electricity and airtime, all from your phone.
Instant EFT and PayShap
Send money instantly to any South African bank account via PayShap (South Africa's instant payment system) or RTC (Real-Time Clearing) — available 24/7.
Virtual card for secure online shopping
FNB offers a virtual card for online purchases — a separate card number that protects your main card details when shopping online.
Key Features First National Bank (FNB) South Africa
| Parameter | Value |
|---|---|
| Monthly account fee | R109/month (Gold Cheque Account) |
| Visa debit card | Included — contactless, chip and PIN |
| ATM withdrawals (FNB) | Free (up to monthly limit) |
| eBucks rewards | Earn on qualifying transactions — programme-dependent |
| PayShap instant payments | Included — instant interbank transfers 24/7 |
| Virtual card | Included for online shopping |
| Notification type | Free SMS notifications (FNB accounts) |
| Regulator | FSCA, SARB |
| Card network | Visa |
Open an FNB Gold Cheque Account — Quick Start
Ready to receive funds in your account today? The process is simple:
Open an FNB Gold Cheque Account online at fnb.co.za or via the FNB app
Enter your South African ID, income details and residential address for FICA compliance
Your FNB Visa debit card is couriered to your address within 5–7 business days
Download the FNB app, register online banking and start enjoying South Africa's most awarded banking experience
The FNB Gold Cheque Account is South Africa's most popular transactional account for working professionals — used for salary deposits, everyday spending, online shopping and international payments.
Contact Information First National Bank (FNB) South Africa
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FNB Cheque Debit — Visit bank
FNB Cheque Account with debit card South Africa: free transactions with qualifying salary, eBucks rewards on spending, free online banking. Review on CreditDeals.
This button goes straight to the lender. There is no partner link here and we earn nothing from the click. The rating on this page is an editorial score.