Earn up to 100% back in eBucks on your FNB Platinum Business Accounts

eBucks Rewards for Business allows you to earn eBucks as a reward for banking with FNB.

As a qualifying FNB Business Banking customer, you can earn eBucks on your everyday business transactions using your Platinum Business Current Account and/or Business Credit Card. You can also earn eBucks on certain business banking fees, such as your FNB SpeedPoint® device rental fees and your online payment transaction fees.

Spend your eBucks; Save Rands!

Once you've earned eBucks, you can spend your eBucks at the eBucks Shop, at eBucks Travel, and at a range of in-store and online partners.


Quick overview

There are four steps you'll need to follow to earn eBucks.

  1. Register

    Earning eBucks on your FNB Business Account(s) is free, but you have to be registered. An authorised representative of your business can register for eBucks Rewards for Business here.

  2. Qualify

    You'll need to meet the qualifying requirements that are specific to your Platinum Business Account(s).

  3. Move up a reward level

    Once you've qualified, it's time to start collecting points. Points are allocated based on how you bank with FNB. The more points you collect, the higher your reward level. Your reward level is reviewed every month.

  4. Earn

    When you've qualified, and your reward level has been determined, you'll be ready to earn eBucks. The higher your reward level, the more eBucks you'll earn for your business.

Remember: R1 = eB10.

Qualifying requirements

Before you can start earning eBucks, you must first meet the qualifying requirements.

To get going, you must:

    1. Hold a qualifying FNB Platinum Business Account with a minimum monthly deposit of at least R100 000.

      OR

    2. Have a minimum monthly deposit over the last six months of R600 000.
  2. Transact via FNB Online Business Banking, Online Banking Enterprise™, or the FNB App at least once a month using your business's banking profile. * (download the FNB App here).
  3. Ensure that ALL your FirstRand Bank accounts are active and in good standing.

Things to remember:

  • FirstRand Bank accounts include but are not limited to FNB, WesBank, RMB Private Bank and Ashburton accounts.
  • 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 qualify for eBucks Rewards for Business for the month.
  • An account that's active means that there's regular activity on the account or that the account is still being used for its original intended purpose.
  • “An account in good standing” means:
    • it isn't overdrawn, in arrears or in default; and
    • you haven't missed a premium; and
    • you aren't undergoing sequestration, business rescue, or collection or liquidation proceedings (excluding debt review proceedings).
  • Qualifying Platinum Business Accounts include Platinum Business Current Accounts, Cashman Current Accounts, and Islamic Platinum Business Accounts.
  • If you have more than one of the above-mentioned Business Accounts, any deposit(s) made into the accounts will be considered towards the deposit amounts required for qualification.

Move up a reward level

After you've qualified, the second step is to move up a reward level.

Your reward level is determined by how many points you've collected in a calendar month. You collect points based on how you bank. The more points you collect, the higher your reward level.

Your reward level is reviewed monthly, which means that you may be on a different reward level every month.

Points collection table
How to collect points Points per month
Digital banking
Do at least two financial transactions a month using the FNB App

Qualifying financial transactions include payments, transfers and purchases (paid for in either rands or eBucks), but exclude debit orders, deposits and the viewing of accounts.		 2 000
You allow FNB to communicate with you by giving them consent to market to you
AND 
You choose to receive all your statements via email only
AND 
You update your contact details at least once in a 12-month period via FNB Online Banking		 2 000
At least 95% of your monthly cash deposits are done via an FNB ATM with Deposits, Cash Centre or FNB SmartBOX™ device 2 000
You use the FNB Online Banking Enterprise™ functionality for:

  
  1. 1.1 Payment and transfers
 2 000
  1. 1.2 Payments and transfers as well as Notifications
 3 000
  1. 1.3 Payments and transfers as well as Notifications as well as 1 Day Salary Service Type

 4 000
  1. 2. Collections

 1 000
  1. 3. Document management using DocTrail™
 1 000
You register for and transact on eWallet Pro 1 000
You schedule at least one financial report or produce at least one invoice on Instant Accounting per month 500
You generate at least one payslip per month on Instant Payroll 500
My cards
You have an FNB Business Credit Card* with a total credit limit of at least R50 000 500
You spend on your Business Credit Card(s):

  
  • Between R30 000 and R74 999
 1 000
  • Between R75 000 and R99 999
 1 500
  • Between R100 000 and R199 999
 2 000
  • R200 000 or more

Spend excludes EFTs and transfers. 		3 000
Of your total Business Debit and Business Credit Card spend, your total monthly spend on your Business Credit Card(s) is:  
  • 100%

Total monthly spend includes any online and in-store purchases made during the month using your Business Credit Card(s). 		3 000
You use your Business Credit Card(s)* or Business Debit Card(s) to shop online or swipe internationally for:  
  • Between R10 000 and R29 999
 1 000
  • Between R30 000 and R49 999
 2 000
  • R50 000 or more
 3 000
Transact
You maintain a minimum monthly balance in your Business Current Account(s) of:  
  • Between R50 000 and R299 999
 1 000
  • Between R300 000 and R999 999
 2 000
  • R1 000 000 or more
 4 000
You have at least 12 monthly debit orders coming off your FNB Platinum Business Account 500
Borrow**
You have an Overdraft on your Business Account of least R100 000 2 000
You meet the rule above and use your Overdraft for at least R1 000 per month 2 000

OR

  
You have an Agricultural Overdraft facility of at least R500 000 on your Business Account of which you've used between 70% and 100%

The percentage of the Overdraft that you've used is calculated as an average over a calendar month.		 4 000
You have a Business Revolving Loan of at least R100 000 2 000
You use your Business Revolving Loan for at least R1 000 per month 2 000
Save and invest
You have an FNB Investment Account (excluding an Equity Trading Account) and maintain a minimum monthly balance of:  
  • Between R1 000 000 and R2 999 999
 500
  • Between R3 000 000 and R6 999 999
 1 000
  • R7 000 000 or more

 2 000
OR
You’ve opened either a 48-Hour Cash Accelerator, 7-Day Notice , or Money on Call Account via any digital channel and maintain a minimum balance of R1 000 000 2 000
You have a Savings Pocket with a minimum monthly balance of R5 000 1 000
You grow the balance across your FNB Savings and Investment Accounts by at least R100 000 per month or R1 000 000 over six months (excluding interest earned) 500
You have an FNB Business Global Account and maintain a minimum monthly balance of 350 000 Australian dollars, euros, British pounds or US dollars in the account 2 000
My devices
Have an FNB Merchant Services device and all the payments made on the device must be settled into an FNB Business Account. ** 1 000
You have an FNB SmartBOX™ or an FNB SmartTill™ device 1 000
Insurance Solutions from FNB
Have an FNB Employer's Funeral Plan 1 000
Have an FNB Key Person Insurance Policy 1 000
* Business Credit Cards and Business Revolving Loans are available to FNB Islamic Business Banking customers through conventional FNB channels.
** FNB Islamic Business Banking customers won't be able to collect points for any Overdraft-related criteria as Overdrafts aren't available on Islamic Business Banking Accounts.

Earn eBucks according to your reward level

Once you've qualified and your reward level has been determined, you'll be ready to earn eBucks.

The table below shows the different reward rates. This is the percentage of your qualifying purchases that you earn back in eBucks according to your reward level.

Points collected for the month 0 – 6 999 7 000 – 9 499 9 500 – 12 499 12 500 – 15 999 16 000 or more
Your reward level 1 2 3 4 5
Reward rates
In-store shopping: Debit Card 0.2% 0.3% 0.4% 0.6% 1.25%
In-Store Shopping: Credit Card 0.4% 0.6% 0.8% 1.2% 2.5%
Online shopping: Debit Card 0.4% 0.6% 0.8% 1.2% 2.5%
Online shopping: Credit Card 0.8% 1.2% 1.6% 2.4% 5%
Transport: Uber and Gautrain 0.6% 2.5% 5% 7.5% 15%
Fuel at Engen (Rands/litre) R0.10 R0.25 R0.75 R2 R4
Checkers and Shoprite 1% 2.5% 5% 7.5% 15%
Prepaid electricity
*Excluding Online Banking Enterprise 		0.6% 2.5% 5% 7.5% 15%
Prepaid airtime including FNB Connect
*Excluding Online Banking Enterprise		 0.6% 2.5% 5% 7.5% 15%
Insurance solutions from FNB 1% 2.5% 5% 7.5% 15%
FNB Forex fees (FNB App, online payment and standing orders) 5% 10% 20% 30% 50%
Online payment transaction fees 5% 10% 20% 50% 100%
Merchant Services POS Device Rental Fees** 5% 10% 20% 30% 40%

Earn rules

If you have multiple Business Current Accounts, you'll earn eBucks on the qualifying activities on all your accounts. However, you'll need to meet the requirements – in terms of qualification, points collection and earning eBucks – that are specific to the highest account you have (i.e. the account with the highest required deposit).

For example: If you have a Gold Business Account and a Platinum Business Account, you'll need to meet the requirements that are specific to your Platinum Business Account.

  • Qualifying Spend

    Qualifying spend (i.e. spend on which you earn eBucks) exclude EFTs, debit orders, cash withdrawals, travellers' cheques, foreign exchange transactions and casino gambling transactions.

  • Shopping

    Shopping spend limits apply irrespective of whether you shop domestically or internationally.

    • In-Store Shopping
      • The amount on which you earn eBucks from in-store shopping is limited to R50 000.
      • Once you’ve hit your limit, you will earn at a flat rate of 0.4% for in-store shopping purchases made using your Business Credit Card.
      • Your Business Credit Card is considered first toward the spend limit
    • Online shopping
      • The amount on which you earn eBucks from online shopping is limited to R7 500.
      • Once you've hit your limit, you will earn at a flat rate of 0.6% for online shopping purchases made using your FNB Business Credit Card.
      • Your FNB Business Credit Card is considered first towards the spend limit.
    • Checkers & Shoprite
      • The amount on which you earn eBucks is limited to 20% of your total monthly qualifying Business Debit Card and Platinum Business Current Card purchases OR a total Rand-spend (on qualifying Checkers & Shoprite purchases only) of R15 000 per month, whichever occurs first.
      • You won't earn eBucks on purchases made at MediRite Pharmacies, Money Markets, Computicket, Computicket-Travel and, cash at till withdrawals.
      • If you haven’t yet met the qualifying requirements, you’ll still earn 0.5% back in eBucks on purchases made at Checkers & Shoprite using your Business Credit Card and/or Platinum Business Debit Card.
    • Transport: Uber & Gautrain
      • The amount on which you earn eBucks is limited to 20% of your total qualifying spend, OR a total Rand-spend of R5 000, whichever occurs first.
      • Your transport purchases include Uber and Gautrain payments which are made using your FNB Business Credit and/or FNB Platinum Business Debit Card.
      • You only earn eBucks on Uber rides taken domestically.
  • Fuel: Engen
    • Earn up to R4/litre back in eBucks for your fuel spend at Engen only, calculated based on the price of inland ULP 95. No earn will be awarded on fuel purchases at any other fuel retailers. For more information on the new fuel earn exclusive to Engen, click here
    • The amount on which you earn eBucks is limited to 20% of your total monthly qualifying FNB Business Credit and/or FNB Platinum Business Debit card purchases OR a total Rand-spend (on Engen fuel) of R5 000 per month, whichever occurs first.
    • You can fill up at any domestic Engen fuel station, but you must pay for your Engen fuel on the Engen forecourt. You won't earn eBucks if you pay for Engen fuel at the Quickshop at the Engen fuel station.
    • You will earn eBucks on all FNB Business Petro Cards linked to an FNB Business Credit Card.
    • Note: You will not earn eBucks using an FNB Business Petrol card linked to an FNB Business Debit Card, Fleet cards and Lodge Cards.
  • Prepaid electricity and prepaid airtime
    • You earn eBucks on all networks’ prepaid airtime and electricity bought via FNB's electronic banking channels:
    • Online Banking Enterprise™ customers will not be able to earn on prepaid electricity and prepaid airtime as the prepaid services are not available on this platform
    • The amount on which you earn eBucks is limited to a total monthly Rand-spend (on qualifying prepaid electricity and prepaid airtime spend only) of R1 000 each.
      ** Standard network rates apply.
  • FNB Forex fees
    • The eBucks you earn will be paid in the month after the transaction was done.
    • All FNB Forex transactions must be done via the FNB App or Online Banking, except where you have a standing instruction with FNB Forex to transact on your behalf.
    • You only earn eBucks on transaction charges on FNB Forex inward and outward payments in a foreign currency (not South African rand).
    • You don't earn eBucks on foreign notes, travellers' cheques, foreign currency account (FCA) funding, customer foreign currency (CFC) account funding, cash passport, PayPal™, MoneyGram™ or any other foreign exchange products.
    • You also don't earn eBucks when you transact on a special discount or pensioner pricing.
  • Online payment transaction fees
    • You'll earn eBucks on the payment fee(s) when you make an online payment from your FNB Business Current Account to another FNB Account and the payment is made between the 6th and the 25th of the month.
    • You won't earn eBucks on transaction fees for online payments made between your own FNB accounts (i.e. transfers).
    • You won't earn eBucks on transaction fees for online payments made from a Business Credit Card Account.
    • The amount on which you earn eBucks is limited to R500 in online payment transaction fees.
  • FNB SpeedPoint® device rental fees
    • To earn eBucks on your SpeedPoint® device rental fees, you must have a minimum monthly turnover of R25 000 through the SpeedPoint® device and the payments made on the device must be settled into an FNB Business Account.
    • The amount on which you earn eBucks is limited to R2 000 per month in SpeedPoint® device rental fees.
    • You'll earn eBucks on your SpeedPoint® device rental fees only if your Merchant Services Account is on the Standard Pricing Option.
  • Insurance Solutions from FNB
    • The monthly premiums on your qualifying FNB Life policies (FNB Key Person Insurance, Employer's Funeral) and FNB Insure products (Business Law on Call) must be paid on time from your FNB Business Current Account. You won't earn eBucks for any month where premiums weren't paid – either because you didn't make payment that month, or because FNB Life or FNB Insure chose to waive your premium that month for any reason.
    • The percentage earned back in eBucks is calculated based on the sum total of monthly premiums for all your qualifying FNB Life and FNB Insure policies. Your participation in the eBucks programme allows us to better assess your risk enabling you to earn back a percentage of your premium in the form of eBucks and/or collect points toward your rewards level.
    • Only Insurance products where FirstRand Life Assurance Limited or FirstRand Short-Term Insurance Limited is the insurer are eligible for eBucks.
    • In the case of an FNB Life Policy or FNB Insure Policy, only the payer of the premiums will earn eBucks; lives assured and/or beneficiaries named in the policy won't earn eBucks.
    • The amount on which you earn eBucks is limited to a total monthly premium spend of R7 000.
    • These rules apply automatically upon you qualifying for eBucks rewards.