Overview How to qualify The reward levels Earn rules Collect more points An example NEW! 2015 rulesBack

Earn up to 15% back in eBucks on your FNB Business accounts

eBucks Rewards for Business has been reshaped with today's business owner in mind. eBucks Rewards for Business gives qualifying FNB Business customers the ability to earn eBucks as a reward for banking with FNB, and now there are even more ways to earn eBucks with both your FNB Cheque and Credit Card.

Do and get more with your business account.

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How many eBucks you earn

Depending on your reward level, you'll earn eBucks on your qualifying FNB Business Accounts, effective from 1 September 2014, as follows:

Earn up to 2.5% back in eBucks when you swipe your card

Earn up to 15% back in eBucks when you fill up with fuel at any fuel station

Earn up to 15% back in eBucks when shopping at Checkers & Shoprite

Earn up to 15% back in eBucks when you buy prepaid electricity electronically through FNB

Earn up to 15% back in eBucks when you load prepaid airtime electronically through FNB

New! Earn up to 50% back in eBucks on your transaction charges when you send or receive foreign currency online with FNB Forex

New! Earn up to 100% back in eBucks on your transaction charges when receiving foreign currency regularly by authorising FNB Forex to convert these funds on your behalf with a standing instruction


Staying informed of updates

Login to view updated information on eBucks Rewards for your FNB Business Accounts.

How we determine the amount of eBucks you earn

Your reward rate, which is the percentage of your qualifying purchases that you earn back in eBucks, as described above, is determined by your reward level. (Remember: R1 = eB10)

Your reward level is determined by how many points you have collected. You collect points based on how you use your bank account. So the more points you have collected, the higher your reward level, the more eBucks you earn. We will review your reward level every month.

To start earning eBucks you must first meet the qualifying requirements specific to your FNB Business Accounts.

Qualifying requirements to start earning eBucks

Meet the following simple requirements to start earning eBucks. If your business meets them all, join eBucks Rewards for Business.

The requirements are:

  1. Hold a qualifying FNB Business Cheque account The following accounts qualify: Business Account, Business Non-resident Account, Business, Business Cash management Account, Agriculture Account, Agriculture Cash Management Account, Business Islamic Account, PSB-Public Schools.
  2. Have a minimum monthly deposit of
    • R10 000 per month or R60 000 over the last 6 months if you have an annual turnover of less than R10 million per annum.
    • R100 000 per month or R600 000 over the last 6 months if you have an annual turnover greater than R10 million per annum.
  3. Your account must be active – which means you transact – and in good standing, which means it's not overdrawn, in arrears, in default, and you are not undergoing sequestration or any legal process.
  4. Transact via FNB Online Business Banking or Online Banking Enterprise™, Cellphone Banking or the FNB Banking App at least once a month, using your own banking profile. To register for FNB Online Banking visit www.fnb.co.za or contact your Business banker for Online Banking Enterprise™.

Things to remember:

  • For more information on whether your business qualifies for eBucks for Business, call FNB Business on 087 575 9479.
  • These requirements may change from time to time. We'll let you know when they do.
  • If you stop meeting any one of these requirements at any time, you won't be able to earn eBucks with your FNB Business Accounts. As soon as you fulfil the relevant requirement again, you will earn eBucks when you use your account again.

Earn rules

Your reward level

Your reward level determines your reward rate, which is the percentage of your qualifying purchases that you earn back in eBucks.

Points collected for the month 0 -
5 999
6 000 -
8 999
9 000 -
12 999
13 000 -
16 999
17 000
or more
Your reward level 1 2 3 4 5
Reward rates Maximum amount of eBucks you can earn
Shopping (Credit Card) 0.4% 0.6% 0.8% 1.2% 2.5% eB30 000
Shopping (Cheque Card) 0.2% 0.3% 0.4% 0.6% 1.25%
Fuel 1% 2.5% 5% 7.5% 15% eB6 250
Checkers & Shoprite 1% 2.5% 5% 7.5% 15% eB10 000
Prepaid Electricity 1% 2.5% 5% 7.5% 15% eB1 500
Prepaid Airtime 1% 2.5% 5% 7.5% 15% eB1 500
Sending or receiving foreign currency through FNB Forex
Online Payment fees 10% 15% 20% 30% 50% NA
Standing Instruction fees 15% 20% 30% 50% 100% NA

Note: Even if you have not qualified to start earning eBucks yet or you do not have a reward level, you can still earn 0.5% back in eBucks from Checkers & Shoprite when using your FNB Business Cheque, Debit or Credit Card.

How to move up a reward level

There are so many ways in which you can collect points to move up a reward level. The more you do, the more points you collect, and the more eBucks you earn. You collect points based on how you use your bank account each month.

What to do to collect points

Points per month

How you bank with us
Update your contact details at least once in a 12 month period via FNB Online Banking. 500
Allow FNB to communicate with you by giving them consent to market to you. 500
Have an active* Business Cheque or Credit Card Account for three years or more. 500
Choose to have all your statements delivered to you via email only.
Minimise your paperwork in your office and contribute to a greener environment by having your statements sent to you via email for free.
1 000
90% of your monthly cash deposits are done via an FNB ATM Advance, Cash Centre or SmartBox device. 3 000
Electronic channels
Use of FNB Online Banking Enterprise functionality:
  • Payments and Transfers
  • Notifications
  • 1 Day Salary Service Type
    1 Day Salary Service Type allows recipients banking at various registered financial institutions to have their salaries paid in on the same day.

500
1 000
1 500
Use our electronic channels instead of an FNB Branch - they're more convenient and secure.

Period of not performing a transaction at an FNB branch:

No branch transactions in the last month
No branch transactions in the last 3 months
No branch transactions in the last 6 months or more



500
1 000
2 000
FNB Business Cheque Account
Maintain a minimum monthly balance on your FNB Business Cheque Account of at least:
R5 000 – R49 999
R50 000 – R149 999
R150 000 or more

1 000
2 000
5 000
Have an Overdraft Facility on your Cheque Account of R5 000 or more (where you use between 10% to 100% of the facility each month).
A short term, convenient lending solution to increase your cash flow.
5 000
FNB Business Credit Card
Have an FNB Business Credit Card that is in good standing.
(Which means your payments should not be in arrears, nor should your business be under business rescue or any legal process with FNB).
2 000
Use between 25% to 100% of your FNB Business Credit Card limit. 3 000
Swipe your FNB Business Credit Card (excluding cash withdrawals) each calendar month for:
R5 000 – R14 999
R15 000 – R29 999
R30 000 – R99 999
R100 000 or more

1 500
2 500
4 000
6 000
Pay for your online shopping using your FNB Business Credit Card. 2 000
Use our products and services:
Register for and transact on eWallet Pro.
A safe and convenient electronic payment solution that reduces the risk of theft and fraud, as well as the costs associated with handling cash.
1 000
Have a Business loan**.
A medium to long term solution that is ideal when you need to finance capital expenditure.
**Islamic Business Accounts do not qualify for this product and cannot collect points on this product


With a minimum loan amount of:

R50 000 – R149 999
R150 000 – R499 999
R500 000 – R1 million
More than R1 million

500
1 000
2 000
4 000
Have a FNB Merchant device (Speedpoint).
A safe and cheaper option than holding cash in-store and increases feet into your shop.

With an average monthly turnover of between:

R25 000 – R149 999
R150 000 – R299 999
R300 000 or more

2 000
4 000
6 000
Have a Commercial Property Finance Loan.
Tailor-made finance for commercial, retail, industrial or residential property transactions.

With a minimum loan amount of:

R1 million – R4 999 999
R5 million or more

3 000
5 000
Use FNB to issue a Documentary Credit (Letter of Credit – L/C) for your import transactions with a minimum value of R500 000.
5 000

*Active means you transact on the account.

An example

Below is an illustrative example of a business, Company B. They hold an existing qualifying business account, and have performed certain banking activities and product take-up that contributes to how many points they collect in a month.

Company B collected 13 000 points in one month, which means they reach reward level 4. This will be their current reward rate for the month.

Earn categories and reward rates

Reward level
1
0 - 5 999 points
  • Fuel
  • Checkers & Shoprite
  • Prepaid Electricity
  • Prepaid Airtime
1.0%
Credit Card shopping
0.4%
Cheque Card shopping
0.2%
Send/receive foreign currency through FNB forex
Online payment fees
10%
Standing instruction fees
15%
Reward level
2
6 000 - 8 999 points
  • Fuel
  • Checkers & Shoprite
  • Prepaid Electricity
  • Prepaid Airtime
2.5%
Credit Card shopping
0.6%
Cheque Card shopping
0.3%
Send/receive foreign currency through FNB forex
Online payment fees
15%
Standing instruction fees
20%
Reward level
3
9 000 - 12 999 points
Daily essentials
  • Fuel
  • Checkers & Shoprite
  • Prepaid Electricity
  • Prepaid Airtime
5%
Shopping
Credit Card shopping
0.8%
Cheque Card shopping
0.4%
Send/receive Foreign Currency through FNB Forex
Online payment fees
20%
Standing instruction fees
30%
Reward level
4
13 000 - 16 999 points
  • Fuel
  • Checkers & Shoprite
  • Prepaid Electricity
  • Prepaid Airtime
7.5%
Credit Card shopping
1.2%
Cheque Card shopping
0.6%
Forex
Online payment fees
30%
Standing instruction fees
50%
Reward level
5
17 000 or more points
  • Fuel
  • Checkers & Shoprite
  • Prepaid Electricity
  • Prepaid Airtime
15%
Credit Card shopping
2.5%
Cheque Card shopping
1.25%
Forex
Online payment fees
50%
Standing instruction fees
100%

eBucks Shop and eBucks Travel

The best part of earning eBucks is spending them. In addition to the unlimited choices offered by our in-store and online partners, you can spend your eBucks online with us at the eBucks Shop and eBucks Travel.

Why sign for petty cash when there are hundreds of products in the eBucks Shop just waiting to help you run your business?

Travelling for business? eBucks Travel can help you source the best flight, car rental, accommodation and  more.

You save whenever you spend your eBucks. Plus, if you don't have enough for the full amount in eBucks, you can pay part of the balance with your FNB Business Account. It's the easiest way to please your company accountant.