FNBy Next

Believe in yourself, take the first step, and watch your early steps turn into real wins.

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Features that are just right

2-for-1 specials with The Entertainer

FNB will cover the sign-up costs so you can enjoy the benefits of buy-one-get-one-free offers for restaurants, beauty salons, health & fitness, leisure activities and many more.

Get more value with Connect Rewards

Enjoy unlimited* WhatsApp Messaging** reward and 35 voice minutes every month on all your FNB Connect SIMs.

Investment options with the Shares Zero

Gain exposure to top listed local and global companies through Exchange-Traded Funds, Exchange-Traded Notes and Top 40 shares, without paying a monthly fee and unlock your investment opportunities both in the local and international market with access to expert advice when you need it most.

Bank in foreign currencies with the Global Account

Save or transact in nine foreign currencies with access to over 1,000 international airport lounges around the world.

Turn small steps into big opportunities

Bank

Swipe, tap, and pay with your personalised FNBy Next bank card - with zero monthly fees when you're on a My Family profile in the FNB App.

Unlimited card swipes

Enjoy unlimited card swipes and complimentary card delivery.

Zero-rated app

Manage your money anytime, anywhere on our zero-rated FNB App.

Zero monthly fees

Pay zero monthly fees when you're on a My Family profile in the FNB App.

Save

Save towards your goals with a complimentary linked savings account through Bank Your Change®.

Deposit anytime

Enjoy the flexibility to access and deposit funds anytime.

Guaranteed returns

Your original deposit and all interest earned are 100% guaranteed.

nav» Money tools

Track your money using nav» Money tools—at no extra cost.

Lifestyle

Stay connected and unlock exclusive rewards on the FNB App.

WhatsApp & minutes

Unlimited* WhatsApp and 35 minutes every month on your FNB Connect SIM.

The ENTERTAINER™

Unlock 2-for-1 deals with The ENTERTAINER™ on the FNB App.

Starbucks voucher

Enjoy a weekly R50 Starbucks voucher***.

Switch to FNB and pay a zero monthly account fee

Manage your account via the FNB App

Fast, reliable and secure banking. 24/7 control of your money and banking on our zero-rated FNB App, without the need to go to a branch.

No extra charges

The FNB App is zero-rated, which means there are no extra charges when you do your banking. The app does not use your data and is safe and secure on all major networks.

Accessible

Freedom for 18-24 year olds to manage their finances. Access day-to-day banking and student loans.

Find out more

Cards and payments

Pay your own way.

FNBy Next Card

Unlimited taps with virtual card and access to Cash@Till and get Cash@Till® at Pick n Pay, Boxer, Spar, Shoprite, Checkers and Usave stores.

Fastest way to pay

Payments made easy with Scan 2 Pay on the FNB App, Tap to Pay with the FNBy Next card and split the bill between friends using GEO Payments.

Responsible

Bank Your Change® with a linked FNB Savings Account and preferential interest rate, helps you to save money as you spend it. Get into the habit of saving from an early age.

What you'll be paying

Here's an overview of the fees you'll be paying with an FNBy Next Account.

R8.00 p.m.

Monthly account fee (R0 p.m. if you're part of a 'My Family' profile)

R3 per withdrawal

Cash@Till withdrawals, regardless of the amount

No charge

Electronic transfers, card purchases and internal debit orders at no charge

FNBy Next

Freedom for 18-24 year olds to manage their finances. Access day-to-day banking and student loans.

FNB App

Card

Online banking

Qualifying criteria

•Must be a South African citizen, foreign national or non-resident

•Applicants must be between 18-24 years old

Required documents

•South African ID book/card or passport

•Proof of residence (not older than 3 months)

How to apply

Apply for your FNBy Next account in minutes.

View pricing guide

Get started

Need to know more or want to start the process? Let us call you back.

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To follow up on this query, please contact us on 087 736 2247

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Get in touch with us

Call us on 087 575 9404

*Terms, conditions and Fair Usage Policy apply. **WhatsApp Messaging includes all voice notes, messages, sending of video files, pictures/image files and document files. Applicable only to WhatsApp and WhatsApp Business applications. All third-party APIs outside of the WhatsApp application are excluded from this offering. ***To qualify, you must make at least 5 payments of R75 or more using your FNB Virtual Card, or partner wallets every week.