FNB

More than 180 years ago in a small town in the Eastern Cape called Grahamstown, the story of South Africa’s largest bank began. They grew from humble beginnings to the successful financial institution known today as FNB.

A history to be proud of

FNB’s history is rich and tells a story of conquering circumstances and emerging stronger. During the years they’ve been faced with many challenges and by staying true to their founding roots, they’ve overcome each one.

FNB has a strong focus on the environment

FNB is serious about the environment and has policies in place covering two wide areas.

• The environmental health and safety policy governs the impact FNB has on the environment on a daily basis.
• The environmental risk policy governs FNB’s indirect impact on the environment with regard to responsible lending and business development.

The community matters to FNB

FNB values the communities they operate in and have become involved in a number of projects that help its communities. Some of these projects include:

• The FNB Corporate Social Investment Fund makes donations to projects that benefit the community.
• FNB has an arrangement with Mondi Paper to recycle their paper. The profits made from the recycling are donated to Mondi’s CSI initiatives like SPCA and Hospice.
• Many of FNB’s branches donate their recyclable materials to local recycling projects.
• Some of FNB’s branches donate their used paper to local artists.

Saving for a sustainable future

FNB strives to create awareness around water and energy conservation for a sustainable future for everyone. Through training and internal communications, they aim to educate employees about water and energy-saving methods.

They regularly take water readings to identify excessive use and investigate how to reduce usage and implement strategies to save this valuable resource.

FNB is not only South Africa’s oldest bank but also one of the country's largest banking institutions. They offer a comprehensive range of products and services that makes them a one-stop shop for all your financial needs.

FNB’s market-leading services

• Bank accounts
• Credit cards
• Digital banking
• Financial planning
• Business accounts
• Home loans
• Personal loans
• Student loans
• Vehicle finance

FNB property finance services and products

• Home loans at fixed and/or variable rates
• Building loans
• Loans for renovations
• Investment property finance
• Commercial finance
• Shari’ah property finance
• The option to switch to FNB

The FNB home loan

Many people that purchase their first homes don’t have cash on-hand and opt for a home loan. With an FNB home loan, you can access financing that can be repaid over 20 years. They give you the option of fixed or variable interest rates.

The interest rate you’re offered will depend on your credit score and risk profile.

FNB collective buying

One of the most unique features offered by FNB is its collective buying option. This allows you to purchase a property and split the costs with up to twelve family members.

This allows you to purchase a higher-value property since you’ll qualify for a larger loan amount. It also has the added benefit of lowering your monthly repayment since it’s split between multiple people.

Pension-backed home loans

If you’re a Fund member and there are relevant agreements and terms in place, you can apply for an FNB home loan secured against your fund value.