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FNB Graduate

Real help that empowers you

Your trusted financial partner as you venture into the world of opportunities with our specialised financial solutions.

Are you a graduate or final-year student?

FNB partners with graduates to succeed in their professional and personal lives.

To qualify for the offer, you need to be 21-30 years old, have proof of final-year registration or your graduation for any NQF5-7 qualification*.

*Excludes Accounting, Architecture, Aviation, BSc degrees, Legal, Engineering and all associated fields. If you have a specialised qualification you can consider the Young Professionals Account or any of the other FNB Accounts.

 
 

Banking that rewards

 

Transact

50% off the FNB Aspire monthly account fee for 12 months, 1 free eWallet send, and save with Bank Your Change.

Borrow

Access to a range of credit solutions.

Insure

Access to car, home and life insurance to meet your needs.

Invest

Stay in control of the way you invest with FNB's savings accounts, shares and tax-free deposits, all available to you.

More for your lifestyle

FNB Connect deals

Enjoy a free unlimited* WhatsApp messaging** reward and 35 voice minutes every month on all your FNB Connect SIMs. Plus, get a 6-month voucher for Showmax.

eBucks Rewards

Get rewarded with up to R1 500 annually on a Shoe voucher or a new Smartphone or home connectivity from FNB Connect or with an eBucks Payout. Plus, receive a monthly Kauai voucher if you meet the monthly Boost My Rewards criteria.

nav» Graduates on the app

Access expert advice and educational tools to meet your financial needs.

*Terms, conditions and fair usage policy apply.
** WhatsApp Messaging includes all Voice Notes, Messages, sending of video files, pictures/image files and document files. Applicable only to WhatsApp and WhatsApp for business applications. All third-party APIs outside of the WhatsApp application are excluded from this offering.

 

Your all-in-one graduate companion

The ultimate destination on the FNB App for everything you need to build the future of your dreams. Here are some of the benefits of nav» Graduates:

Exclusive offers

Unlock deals tailored just for graduates from essentials to luxuries.

Guidance and resources

Learn about managing your money building your savings and planning for your big milestones.

Big moments simplified

Explore articles on buying your first car, securing your first home, and more.

Exciting updates

Stay in the know with announcements, events and opportunities curated for you.

 

Transact

FNB Aspire Account

Access to a dedicated team of bankers to answer your queries 24/7 via Secure Chat on the FNB App and Aspire Suite.

  • Get 50% off your monthly account fees on the FNB Aspire Account for the first 12 months
  • 1 free eWallet send
  • Withdraw up to R2 000 cash per month at FNB ATMs and Cash@Till
  • Save while you spend with Bank Your Change

FNB Fusion Aspire

  • Get a transactional account with a linked credit facility* that offers you a minimum R1 000 limit
  • Get 50% off your monthly account fees on the FNB Fusion Account for the first 12 months
  • Up to 30 days interest free on card purchases with an FNB Aspire Fusion credit facility

*Credit offers are subject to affordability criteria.

 

Borrow

Credit card

An FNB Aspire credit card helps you prepare for the unexpected while giving you exceptional benefits like saving on fuel and groceries.

  • Get access to R10 000 credit limit on the FNB Aspire credit card subject to affordability criteria
  • Get personalised and competitive interest rate
  • Access to exclusive FNB Offers from retailers such as iStore for devices and KOODOO.co.za for gaming at an interest rate of prime or prime + 2%
  • Protect your family from your outstanding debt with the Automatic Debt Protection* feature, which pays out in the event of your death or permanent disability
  • Pay off your medical expenses at an interest rate of prime or prime + 2%
  • Enjoy up to 55 days interest-free on purchases made on your straight FNB Credit Card facility

Vehicle finance

Drive Your Dream Car with WesBank Vehicle Finance. Enjoy a financing solution tailored to your needs, plus exclusive benefits:

  • Personal Concierge Service - Expert support throughout your car-buying journey
  • Fuel Rewards - Earn up to R1.20 per litre back in eBucks

Home loan

Get discounts and more on your first home loan.

  • For first time buyers your home loan is up to 110%* of the value of the property you want to buy (max R2.5mil)
  • A personalised interest rate
  • Up to 30-year repayment term
  • 50% discount on attorney bond registration costs when applying via nav» Home
  • Access to the Homeowners Programme, if you're a first-time home buyer who earns up to a max of R22 000 per month
  • Access to First Home Finance, a government subsidy for first-time home buyers who earn between R3 501 to R22 000
  • Discount on your personalised home loan interest rate if you meet the main banked qualifying criteria

*Terms, conditions, and earn rules apply. Subject to affordability.

 

Invest

Savings account

Stay prepared for any emergency with immediate access to your money , no monthly fees and you can start earning interest from R1.

  • Your original deposit and quoted returns are 100% guaranteed
  • Deposit or withdraw any amount, at any time, via the App, online, USSD or at an ATM
  • Reinvest or transfer your interest to another account
  • Bank Your Change allows you to automatically save with every swipe
  • Scheduled transfer - pay yourself first by automatically saving with a scheduled transfer

Tax-free cash deposit

Enjoy every bit of growth on your savings by saving tax-free, plus:

  • Access your money in 32 days
  • Peace of mind as you won't lose your capital or quoted returns
  • The option to save regularly through a scheduled transfer to maximise tax savings
  • You can contribute a maximum of R36 000 per tax year, and a maximum of R500 000 during your lifetime completely tax-free

Retirement annuity

Get discounts and more on your first home loan.

  • Save towards retirement to ensure you can retire comfortably. Invest from R300 per month
  • Save on financial advisory fees and pay no administration fees for the first 18 months; after the 18-month period has passed, a platform fee of 0.25% will apply, excl. VAT
  • Our multi-management capabilities ensure our best asset managers are selected
  • Pay no administration fees when you have a current account bundle
  • Get your transactional fees back in eBucks depending on your reward level

Share Zero

Get discounts and more on your first home loan.

  • Zero monthly fees, choose your own shares and stay in control of the way you invest
  • No minimum balance to open an account
  • Exposure to the top-listed global and local markets and companies, and earn dividends
  • View and manage your account on My Investments on the FNB App
  • Back your trades by having access to tips, insights and expert opinions
  • Unlock your investment potential through the power of knowledge through our FNB education portal

 

Insure

Vehicle insurance

  • Earn up to R1.20/litre in eBucks for fuel spend at Engen with FNB Car Insurance
  • FNB Car Insurance helps you pay less on your car rental excess with our car rental excess waiver benefit
  • Value added benefits such as car hire, credit shortfall, scratch and dent and tyre and rim cover

Home insurance

  • In addition to cover for unforeseen events that may damage your valuable possessions, FNB Home Insurance offers a range of value-added benefits such as emergency assist and trauma counselling at no additional cost
  • A variety of covers in the form of Power Surge or Accidental Damage can be bought up to tailor the policy to your needs

Funeral cover

Take care of those who matter most, get cover for your parents, partner/spouse and children.

  • Add up to 21 family members on a single plan

 

Qualifying criteria

  • Be between 21 and 30 years old
  • Must earn a salary or be self-employed and earn more than R0 - R5 500 per month.
  • Must have a certificate or be enrolled for NQF 5 or higher*.
  • Be a final-year student or graduate from a tertiary institution.

*Excludes these study fields: Accounting and Chartered Accounting, Actuarial Science, Architecture, Auditing, Aviation, BSc degrees, Judicial and Legal, Medicine, and any associated fields.

 

Required documents

  • Identity document (RSA ID)
  • Proof of final-year registration or graduation from a tertiary institution
First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).

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