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FNB Cheque Debit

4.3 (498 reviews)

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 — Overview

4.30 reviews
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Company history

FNB traces its roots to the Eastern Province Bank founded in 1838, making it one of South Africa's oldest banks. The bank has been a technology innovator in South African banking — it launched online banking in the 1990s and has consistently won awards for its mobile banking app. FNB introduced PayShap, South Africa's instant payment system, in partnership with other major banks.

Advantages

  • ✓eBucks Rewards — South Africa's leading bank rewards programme
  • ✓Award-winning FNB app (consistently ranked #1 in SA)
  • ✓Instant PayShap payments 24/7
  • ✓Virtual card for secure online shopping
  • ✓Contactless Visa debit card
  • ✓FSCA and SARB regulated
  • ✓Comprehensive digital banking platform

Disadvantages

  • ✗Monthly fee of R109 (Gold Cheque Account)
  • ✗eBucks rewards require meeting monthly qualifying criteria
  • ✗ATM cash withdrawal fees at non-FNB ATMs
  • ✗Requires South African ID and FICA compliance
Sultan Kanatov, Editor-in-Chief, CreditDeals
Author
Sultan Kanatov
Editor-in-Chief, CreditDeals
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Verified by: CreditDeals Editorial Team
Published: 15 February 2026
Updated: 01 May 2026

This article is for informational purposes only and does not constitute financial advice. Check the status of the specific company in the NCR register. Please read the contract carefully before signing. rating methodology.

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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.

Visit website

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.