Overview How to qualify Earn rules Reward levels Collect more points An example RMB Private Bank Business Banking summary Back

Earn up to 15% back in eBucks on your RMB Private Bank Business Accounts

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

DO more and GET more with your BUSINESS ACCOUNT.

Need an RMB Private Bank Business Account?

Contact your Private Banker.

How many eBucks you earn

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

New! Earn up to 15% back in eBucks on 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 RMB Private Bank 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 RMB Private Bank 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 RMB Private Bank Business Cheque Card whenever you swipe.

Earn up to 15% back in eBucks when you fill up with fuel at any fuel station and/or buy Gautrain tickets.

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.


Staying informed of updates

to view updated information on eBucks Rewards for your RMB Private Bank 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 RMB Private Bank 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 are as follows:

  1. Have an RMB Private Bank Business Cheque Account or an RMB Private Bank Single 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 RMB Private Bank Online Business Banking, Online Banking Enterprise™, Cellphone Banking or the RMB Private Bank Banking App at least once a month using your business's banking profile.*

* To register for RMB Private Bank Online Business Banking, visit www.rmbprivatebank.com or contact your Private 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 RMB Private Bank 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 RMB Private Bank Business Cheque/Debit Card or your FNB Business 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(s) 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 Online Banking 1 000
You allow RMB Private Bank 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 RMB Private Bank Business Cheque Account or FNB Business 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 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 RMB Private Bank Banking App 1 000
Use your RMB Private Bank Business Cheque Account
You maintain a minimum monthly balance in your RMB Private Bank 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 RMB Private Bank 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 = Business Credit Card spend + 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 Business Cheque or Credit Card
You use your RMB Private Bank Business Cheque Card or your FNB Business Credit Card to shop online or swipe internationally 2 000
Minimum spend is R2 000.
Use our credit products
You have an Overdraft facility of at least R10 000 or an Agricultural Overdraft facility of at least R50 000 on your RMB Private Bank 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 a 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 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 Investment Account (excluding an Equity Trading Account) and maintain a minimum monthly balance of R5 000 in the same account 2 000

* 'Active' means you transact on the account.

An example

Below is an illustrative example of a business, Company B. They hold an existing qualifying RMB Private Bank 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 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 - 5 999 points
Reward level
2
6 000 - 8 999 points
Reward level
3
9 000 - 12 999 points
Reward level
4
13 000 - 16 999 points
Reward level
5
17 000 or more points
Daily essentials
  • Transport (fuel, Uber & Gautrain tickets)
  • Prepaid airtime
  • Prepaid electricity
0.6%
  • Transport (fuel, Uber & Gautrain tickets)
  • Prepaid airtime
  • Prepaid electricity
2.5%
  • Transport (fuel, Uber & Gautrain tickets)
  • Prepaid airtime
  • Prepaid electricity
5%
  • Transport (fuel, Uber & Gautrain tickets)
  • Prepaid airtime
  • Prepaid electricity
7.5%
  • Transport (fuel, Uber & Gautrain tickets)
  • Prepaid airtime
  • Prepaid electricity
15%
Shopping at Checkers & Shoprite

Checkers & Shoprite

1%

Checkers & Shoprite

2.5%

Checkers & Shoprite

5%

Checkers & Shoprite

7.5%

Checkers & Shoprite

15%
Shopping (swipes)

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/international 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%
Send/receive foreign currency through FNB Forex

Online payment fees

10%

Online payment fees

15%

Online payment fees

20%

Online payment fees

30%

Online payment fees

50%

Standing instruction fees

15%

Standing instruction fees

20%

Standing instruction fees

30%

Standing instruction 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 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 using your RMB Private Bank Business Account. It's the easiest way to please your company accountant.