An overdraft can help you access additional funds when you need it the most. Enjoy the convenience of an overdraft for those unforeseen emergencies and extra responsibilities.
Tell me moreYou can easily apply for an overdraft via the FNB App.
Upon application, cash is available for immediate usage.
Get a personalised interest rate.
You need to have an active "qualifying" FNB transactional account to apply for an overdraft on the FNB App or Online Banking.
The interest rate is subject to customer profile and scoring, with a minimum interest rate of prime + 1% and maximum of NCA Max.
View detailed breakdownGet a day-to-day transactional bank account with a credit facility of up to 30 days' interest free on card purchases.
Find out moreSelect a Fusion account that suits you, your lifestyle and your financial bracket.
Required income: R84 000 - R299 999
Start with more and enjoy simplified everyday banking with a linked credit facility, more rewards and value.
Required income: R300 000 - R749 999
Enjoy all-in-one convenience with a day-to-day bank account, a linked credit facility and eBucks rewards every time you use your card.
Required income: R750 000 - R1 799 999
A well-rounded transactional account with a credit facility and a focus on financial management.
Required income: R1 800 000illion or more per annum or R15 million net asset value
A relationship-banking focussed account that gives you all-in-one convenience with access to a dedicated private advisor and a linked credit facility.
The estimated monthly repayment on a R50 000 credit limit at an interest rate of 17.5% per annum would be R798, which includes all service fees and interest.
Initiation fee: paid upfront in cash/deducted from the credit limit
Nominal Annual Interest Rate (Variable)
The interest rate is subject to the maximum annual variable interest rate allowed by the NCA.
Personalised Annual Variable Interest Rate
Should you conduct your Credit Agreement favourably (within the ambit of the terms and conditions) we may reward you with a rebate on the interest rate payable which is subject to customer profile and scoring.
R 69.00 (includes VAT)
This fee is payable monthly
Estimated monthly instalment payable (including capital, interest, fees and VAT)
Estimated minimum monthly repayment amount, including, interest, fees, and charges.
Estimated total of all instalments including capital interest, fees and VAT
This amount is calculated on the assumption that:
a. Your interest rate does not change over the 12 month period
b. On approval, you use the total Credit Limit
c. You pay us the monthly instalment over a 12 month period
d. You do not withdraw again up to the original Credit Limit.