FNB Cheque Debit
FNB Cheque Account with debit card South Africa: free transactions with qualifying salary, eBucks rewards on spending, free online banking. Review on CreditDeals.
FNB Gold Cheque Account — Terms and Conditions
The FNB Gold Cheque Account is a deposit-taking product regulated by the SARB and FSCA. FICA (Financial Intelligence Centre Act) compliance is required for all South African bank accounts.
Main Conditions
| Parameter | Value |
|---|---|
| Monthly account fee | R109/month (Gold Cheque Account) |
| Visa debit card | Included — contactless, chip and PIN, Visa network |
| FNB ATM withdrawals | Free (up to monthly limit; R2.60/R100 thereafter) |
| Non-FNB ATM withdrawals | R11.00 + R2.60/R100 |
| Electronic payments (EFT) | Free (unlimited for Gold account) |
| PayShap instant payments | Free to other South African bank accounts |
| International card transactions | SARB exchange control rates + 2.75% cross-border fee |
| Cheques | Cheque book available on request |
| Currency | South African Rand (ZAR / R) |
| FICA compliance | Required — SA ID and proof of address |
Borrower Requirements
- South African citizen, permanent resident or valid work permit holder
- Minimum age 18 (16 for student accounts)
- Valid South African ID or Smart ID card
- Proof of residential address
- Regular income (salary account or self-employed)
- FICA compliance (Financial Intelligence Centre Act)
Required Documents
- South African ID or Smart ID card
- Proof of residential address (utility bill or bank statement, not older than 3 months)
- Proof of income (optional for basic account; recommended for credit products)
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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.