FNB Cheque Debit

How to Access Your FNB Account Funds

## Reaching the money in your Gold Cheque Account Once the account is active, rand sits in a transactional ledger you can spend or transfer through several rails. None of these routes involve borrowing — you simply draw down your own balance. ### Access matrix | Method | Speed | Detail | |---|---|---| | FNB ATM withdrawal | Instant | Insert the Visa debit card at any FNB machine or selected partner ATM | | Cardless ATM code | Instant | Generate a one-time PIN in the app, then collect cash without the plastic | | In-store Visa debit | Instant | Tap, chip-and-PIN, or swipe at merchants on the Visa network | | PayShap outbound | Instant **24/7** | Push to any South African bank using a mobile number or ID proxy | | Standard EFT | Same or next business day | Scheduled transfers to third-party account numbers | FNB-branded ATM withdrawals stay free until you exceed the monthly allowance; beyond that threshold the published tariff is **R2.60 per R100**. Other banks' ATMs charge **R11.00** plus the same per-hundred rand fee. ### Handset and browser channels The FNB app and online banking duplicate most branch functions: balance checks, payment initiation, virtual card creation and cardless withdrawal codes. Push alerts fire for each authorisation when SMS notifications remain enabled. ### International spend Your Visa debit works at overseas merchants and ATMs subject to SARB exchange-control limits and the **2.75%** international load. Notify the bank before travel so fraud monitors do not block legitimate swipes. ### If cash does not arrive Confirm the sender used branch code **250655** and the correct account number. PayShap disputes should be logged immediately via **087 575 9404** or **help@fnb.co.za** during published call-centre hours.

Delivery Methods