FNB Cheque Debit

How to Open an FNB Gold Cheque Account

## Opening an FNB Gold Cheque Account You can lodge the application on **fnb.co.za**, inside the FNB handset app, or face-to-face at a nationwide branch. Clients who already hold an FNB relationship can sometimes switch product tiers instantly without repeating every KYC step. ### Six-step workflow 1. Browse **Bank Accounts** on the website or app and select the **Gold Cheque Account** tile. 2. Run the online eligibility checker — published guidance suggests minimum monthly income around **R7,000–R8,000** for Gold, with cheaper tiers for lower earners. 3. Capture your South African ID number, personal particulars, employment data and residential address. 4. Upload or present identity and address documents so compliance staff can complete **FICA** verification. 5. Wait for courier delivery of the Visa debit card to your registered address in **5–7 business days**. 6. Download the app, register for browser banking with your ID and card number, and activate digital channels. ### Paperwork checklist | Item | Purpose | |---|---| | SA ID or Smart ID card | Identity and age gate | | Proof of address (<3 months) | FICA address file | | Proof of income (when asked) | Affordability for bundled credit later | ### Tips that improve the first month Route your salary into the account to unlock higher eBucks tiers. Schedule debit orders for utilities and subscriptions because qualifying behaviour boosts rewards. Mint the virtual card before subscribing to streaming services. Enable PayShap so incoming and outgoing rand settles instantly instead of waiting on standard EFT cut-offs. ### Support channels Call **087 575 9404**, email **help@fnb.co.za**, or visit **4 First Place, Bank City, Johannesburg, 2001**. Call-centre desks run Monday to Friday **08:00–17:00** and Saturday **08:00–13:00**; the app itself stays available **24/7**.

Helpful Tips

• 💡Deposit your salary into your FNB account to qualify for higher eBucks rewards
• 💡Set up a monthly debit order for utilities and subscriptions to earn more eBucks
• 💡Use the FNB virtual card for online shopping to protect your main card details
• 💡Enable PayShap for instant payments — faster and cheaper than traditional EFTs