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FNB Fusion Private Clients

Whether you are a qualified professional, successful entrepreneur or nearing retirement, every aspect of the Private Clients offer has been purpose-designed with you in mind.

FNB Fusion Private Clients (previously Private Clients Cheque Account)

A premium everyday account with an integrated credit facility. Get more value from a single monthly fee with eBucks rewards, complimentary lounge visits (based on reward level), and family discounts, all tailored for professionals and entrepreneurs.

Tip: A budget calculator can help you manage your monthly budget and credit use.

Why choose FNB Fusion Private Clients?

  • Integrated credit facility: everyday banking with built-in credit to manage unexpected expenses, at a single monthly account fee.
  • eBucks rewards: earn back on fuel, groceries, devices and more; unlock elevated benefits as your reward level increases.
  • Lounge access: up to 20 complimentary SLOW Lounge visits a year (by reward level), with bonus visits when you book via eBucks Travel.
  • Family value: 50% discount on your spouse or partner’s monthly fee and no monthly account fee for kids’ FNBy accounts.
  • Digital security: virtual card with dynamic CVV, Online Secure and inContact alerts for safe transacting.

Account specifications and fees

Required incomeR750 000 – R1 799 999 per year
Monthly account feeR455 p.m. (Fusion Private Clients)
Interest-free period (Fusion card)Up to 30 days on card purchases (pay by due date)
Electronic transactionsUnlimited FNB-to-FNB payments, transfers and debit orders at no charge
Cash withdrawals (FNB ATM & Cash@Till)No charge up to R8 000 per month (thereafter per pricing guide)
ATM cash deposits (FNB ADT)No charge up to R8 000 per month (thereafter per pricing guide)
SLOW LoungeUp to 20 complimentary visits a year by reward level; unlock additional visits with eBucks Travel bookings
Family benefits50% spouse or partner fee discount; kids’ FNBy/FNBy Next accounts at no monthly fee
eBucks highlightsUp to 30% back on Pick n Pay asap!, up to 20% in-store at Pick n Pay/Clothing, up to R8/litre back with Engen + partners, up to 60% back on devices (T&Cs apply and reward levels vary)

Notes: benefits depend on reward level and qualifying criteria. Fees and limits follow the latest FNB pricing guide. Terms and conditions apply.

Additional features and benefits

  • Global travel: access 1 200+ international lounges with the FNB Global Debit Card via Visa Airport Companion (registration required).
  • Credit card included: FNB Private Clients Credit Card at no additional monthly fee within the Fusion bundle (per pricing guide).
  • Device and lifestyle value: eBucks Partner Shop device rewards, streaming vouchers, and Kauai/Wimpy vouchers (reward level dependent).
  • Always-on service: 24/7 Service Suite and fully-featured FNB app (block/unblock, change PIN, set limits, report fraud).

How to apply for FNB Fusion Private Clients

  1. Visit the FNB website.
  2. Complete the application: provide your personal and financial details.
  3. Submit documents: South African ID or passport and standard proof of income/residence.
  4. Activate and bank: once approved, access your integrated credit facility and start earning rewards.

FNB Fusion Private Clients is built for sophisticated everyday banking: integrated credit, meaningful rewards, comprehensive lounge access and real family value — all in one account.

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