Overview How to qualify Earn rules Reward levels Collect more points An example Earn Rules 2014 FNB Business Banking summary FNB Private Business summary FNB Business Banking changes Back

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 Business Cheque Card* and your FNB Business Credit Card.

DO more and GET more with your BUSINESS ACCOUNT.

Need an FNB Business Account?

Apply now or contact your Private Banker for an FNB Private Business Account.

* Also applies to FNB Private Wealth Business Cheque Cards.

How many eBucks you earn

Depending on your reward level, you'll earn eBucks on your qualifying FNB Business Account(s), effective from 1 September 2015, as follows:

New! Earn up to 15% back in eBucks on your Gautrain tickets and your Uber rides.

NEW! Earn up to 5% back in eBucks on your FNB Business Credit Card and up to 2.5% back on your FNB Business Cheque Card* whenever you shop online.

NEW! Earn up to 5% back in eBucks on your FNB Business Credit Card and up to 2.5% back on your FNB Business Cheque Card* whenever you purchase internationally.

Earn up to 2.5% back in eBucks on your FNB Business Credit Card and up to 1.25% back on your FNB Business Cheque Card* whenever you swipe.

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 you shop at Checkers & Shoprite.

Earn up to 15% back in eBucks when you buy prepaid electricity via our electronic banking channels.

Earn up to 15% back in eBucks when you load prepaid airtime using our electronic banking channels.

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

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.


* Also applies to FNB Private Wealth Business Cheque Cards.

Staying informed of updates

to view updated information on eBucks Rewards for your FNB Business Account(s).

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 Account(s).

Qualifying requirements to start earning eBucks

You must meet the requirements below to start earning eBucks. If you meet all the requirements, but have not yet registered for eBucks, click here to join eBucks Rewards for Business.

The requirements for FNB Business Accounts are as follows:

  1. Hold a qualifying FNB Business Cheque Account.*
  2. Have a minimum deposit of:
    • R10 000 per month or R60 000 over the last six months if you have an annual turnover of less than R10 million per annum.
    • R100 000 per month or R600 000 over the last six months if you have an annual turnover greater than R10 million per annum.
  3. Your account(s) must be active (which means you transact) AND in good standing (which means it's not overdrawn, in arrears or in default, and you are not undergoing sequestration or any legal process).
  4. Transact via FNB Online Business Banking, Online Banking Enterprise™, Cellphone Banking or the FNB Banking App at least once a month using your business's banking profile.**

The requirements for FNB Private Business Accounts are as follows:

  1. Have an FNB Private Business Account or an FNB Private Wealth Structured Facility.
  2. Have a minimum deposit of R10 000 per month or R60 000 over six months into your qualifying account.
  3. Your account(s) must be active (which means you transact) AND in good standing (which means it's not overdrawn, in arrears or in default, and you are not undergoing sequestration or any legal process).
  4. Transact via FNB Online Business Banking, Online Banking Enterprise™, Cellphone Banking or the FNB Banking App at least once a month using your business's banking profile.**

* The following accounts qualify: Business Account, Business Non-resident Account, Business Cash Management Account, Agriculture Account, Agriculture Cash Management Account, Business Islamic Account and PSB Public Schools Account.
** To register for FNB Online Business Banking, visit www.fnb.co.za or contact your Business Banker for Online Banking Enterprise™.

Things to remember:

  • 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 Account(s). As soon as you fulfil the relevant requirement again, you will earn eBucks when you use your account(s) again.

For more information on whether your business qualifies for eBucks Rewards for Business, call us on 087 320 3200.

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
Shopping (swipes): Credit Card 0.4% 0.6% 0.8% 1.2% 2.5%
Shopping (swipes): Cheque Card 0.2% 0.3% 0.4% 0.6% 1.25%
Online shopping: Credit Card 0.8% 1.2% 1.6% 2.4% 5%
Online shopping: Cheque Card 0.4% 0.6% 0.8% 1.2% 2.5%
International shopping: Credit Card 0.8% 1.2% 1.6% 2.4% 5%
International shopping: Cheque Card 0.4% 0.6% 0.8% 1.2% 2.5%
Transport (Fuel, Gautrain and Uber) 0.6% 2.5% 5% 7.5% 15%
Checkers & Shoprite 1% 2.5% 5% 7.5% 15%
Prepaid electricity 0.6% 2.5% 5% 7.5% 15%
Prepaid airtime 0.6% 2.5% 5% 7.5% 15%
Sending or receiving foreign currency through FNB Forex
Online payment fees 10% 15% 20% 30% 50%
Standing instruction fees 15% 20% 30% 50% 100%

NOTE: If you have not yet qualified to start earning eBucks or you do not have a reward level, you can still earn 0.5% back in eBucks on purchases made at Checkers & Shoprite 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
You update your contact details at least once in a 12-month period via FNB Online Banking 1 000
You allow FNB to communicate with you by giving them consent to market to you 500
You choose to receive all your statements via email only 500
Minimise the paperwork in your office and contribute to a greener environment by having your statements sent to you via email for FREE.
Your FNB Business Cheque* or Credit Card Account has been open and active** for three years or more 500
95% of your monthly cash deposits are done via an FNB ATM Advance, Cash Centre or SmartBox device 2 000
Use our electronic channels
You use the FNB Online Banking Enterprise™ functionality for:
  • Payments and transfers
2 000
  • Notifications
3 000
  • 1 Day Salary Service Type
4 000
1 Day Salary Service Type allows recipients banking at various registered financial institutions to have their salaries paid on the same day.
You do at least one financial transaction a month using the FNB Banking App 1 000
Use your FNB Business Cheque Account*
You maintain a minimum monthly balance in your FNB Business Cheque Account of:
  • Between R10 000 and R74 999
1 000
  • Between R75 000 and R149 999
2 000
  • R150 000 or more
4 000
Use your FNB Business Credit Card
You use between 20% and 80% of your FNB Business Credit Card limit 2 000
You spend on your FNB Business Credit Card in a calendar month for:
  • Between R5 000 and R19 999
1 000
  • Between R20 000 and R49 999
2 000
  • Between R50 000 and R149 999
3 000
  • R150 000 or more
5 000
Spend excludes EFTs and transfers.
Total monthly spend on your FNB Business Credit Card:
  • Between 50% and 74.9% of your total monthly spend is on your Business Credit Card
1 000
  • Between 75% and 99.9% of your total monthly spend is on your Business Credit Card
2 000
  • 100% of your total monthly spend is on your Business Credit Card
4 000
Total monthly spend = FNB Business Credit Card spend + FNB Business Cheque Card* spend; excludes EFTs, Cash@Till™ and transfers.
Revolving Credit has been activated on your FNB Business Credit Card Account 1 000
Use your FNB Business Cheque* or Credit Card
You use your FNB Business Cheque or Credit Card to shop online or swipe internationally 2 000
Minimum spend is R2 000.
Use FNB's credit products
You have an Overdraft facility of at least R10 000 or an Agricultural Overdraft facility of at least R50 000 on your FNB Business Cheque Account* of which you have used:
  • Between 20% and 39.9%
1 000
  • Between 40% and 59.9%
3 000
  • Between 60% and 100%
5 000
You have a Business Flexi Loan (Revolving Loan)*** of at least R50 000 of which you have used:
  • Between 20% and 39.9%
1 000
  • Between 40% and 59.9%
3 000
  • Between 60% and 100%
5 000
Loans
You have an FNB Business Loan*** of at least R50 000
A Business Loan is a medium- to long-term solution that is ideal when you need to finance capital expenditure.
1 000
You have an FNB Agricultural Loan*** with a minimum loan amount of:
  • Between R1 000 000 and R4 999 999
1 000
  • Between R5 000 000 and R9 999 999
3 000
  • R10 000 000 or more
5 000
You have a Commercial Property Finance Loan with a minimum loan amount of:
  • Between R500 000 and R999 999
500
  • Between R1 000 000 and R2 999 999
1 000
  • Between R3 000 000 and R4 999 999
3 000
  • R5 000 000 or more
5 000
Commercial Property Finance is tailor-made finance for commercial, retail, industrial or residential property transactions.
Use our products and services
You register for and transact on eWallet Pro 1 000
eWallet Pro is a safe and convenient electronic payment solution that reduces the risk of theft and fraud, as well as the costs associated with handling cash.
You have an FNB Merchant Device (Speedpoint) and an average monthly turnover of:
  • Between R25 000 and R149 999
2 000
  • Between R150 000 and R299 999
4 000
  • R300 000 or more
6 000
A Merchant Device is a safer and cheaper option than holding cash in store and increases feet into your shop.
You use FNB to issue a Documentary Credit (a Letter of Credit, or L/C) for your import transactions 5 000
You have an FNB Business Selective Invoice Discounting facility with discounted invoices to the value of R1 million or more in a month 5 000
Use our savings and investment products
You have an FNB Investment Account (excluding an Equity Trading Account) and maintain a minimum monthly balance of:
  • Between R10 000 and R49 999
1 000
  • R50 000 or more
4 000
You have a scheduled transfer/payment of at least R500 into an FNB Investment Account (excluding an Equity Trading Account) and maintain a minimum monthly balance of R5 000 in the same account 2 000

* Also applies to FNB Private Business Accounts/FNB Private Wealth Business Cheque Cards.
** 'Active' means you transact on the account.
*** FNB Islamic Business Accounts do not qualify for this product and cannot collect points on this product.

An example

Below is an illustrative example of a business, Company B. They hold an existing qualifying FNB Business Account, and perform certain banking activities and product take-up that contribute to how many points they collect in a month.

5 000 points
Has an Overdraft facility of at least R10 000 on their Business Cheque Account of which 70% was used
+
2 000 points
Spent R3 000 on online shopping using their Business Credit Card
+
4 000 points
Maintains a minimum balance in the business's Cheque Account of R150 000
+
2 000 points
Uses the FNB Online Banking Enterprise™ functionality for payments and transfers
= 13 000 points

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

Earn categories and reward rates

Reward level
1
0 - 4 999
points
Reward level
2
5 000 - 6 999
points
Reward level
3
7 000 - 8 999
points
Reward level
4
9 000 - 11 999
points
Reward level
5
12 000 or more
points
In-store shopping

Credit Card

0.4%

Credit Card

0.6%

Credit Card

0.8%

Credit Card

1.2%

Credit Card

2.5%

Cheque Card

0.2%

Cheque Card

0.3%

Cheque Card

0.4%

Cheque Card

0.6%

Cheque Card

1.25%
Online shopping

Credit Card

0.8%

Credit Card

1.2%

Credit Card

1.6%

Credit Card

2.4%

Credit Card

5%

Cheque Card

0.4%

Cheque Card

0.6%

Cheque Card

0.8%

Cheque Card

1.2%

Cheque Card

2.5%
Transport

Fuel, Uber and Gautrain

0.6%

Fuel, Uber and Gautrain

2.5%

Fuel, Uber and Gautrain

5%

Fuel, Uber and Gautrain

7.5%

Fuel, Uber and Gautrain

15%
Checkers

Checkers & Shoprite

1%

Checkers & Shoprite

2.5%

Checkers & Shoprite

5%

Checkers & Shoprite

7.5%

Checkers & Shoprite

15%
Prepaid

Prepaid Electricity

0.6%

Prepaid Electricity

2.5%

Prepaid Electricity

5%

Prepaid Electricity

7.5%

Prepaid Electricity

15%

Prepaid Airtime

0.6%

Prepaid Airtime

2.5%

Prepaid Airtime

5%

Prepaid Airtime

7.5%

Prepaid Airtime

15%
Forex

FNB Forex fees (FNB Banking App, online payment and standing instruction fees)

5%

FNB Forex fees (FNB Banking App, online payment and standing instruction fees)

10%

FNB Forex fees (FNB Banking App, online payment and standing instruction fees)

20%

FNB Forex fees (FNB Banking App, online payment and standing instruction fees)

30%

FNB Forex fees (FNB Banking App, online payment and standing instruction fees)

50%
Online banking payments

Online payment transaction fees

5%

Online payment transaction fees

10%

Online payment transaction fees

20%

Online payment transaction fees

50%

Online payment transaction fees

100%
FNB Speed point

FNB SpeedPoint device rental fees

5%

FNB SpeedPoint device rental fees

10%

FNB SpeedPoint device rental fees

20%

FNB SpeedPoint device rental fees

30%

FNB SpeedPoint device rental fees

40%

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 hire, accommodation and more.

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