What is eBucks for Business?

eBucks for Business gives qualifying FNB Business Banking and Commercial Banking customers the ability to earn and spend eBucks as a reward for banking with FNB.

The eBucks for Business programme has been refueled and provides more ways for businesses to earn and spend eBucks.

Ways in which your business can earn eBucks

  • Earn up to 15% back in eBucks on your qualifying Checkers & Shoprite, qualifying fuel, qualifying prepaid airtime and qualifying prepaid electricity spend when paying with a qualifying FNB Visa Business Cheque Card
  • Earn up to 2.5% back in eBucks when shopping using your qualifying FNB Visa Business Cheque card
  • Earn up to 50% on monthly subscriptions for website creation and hosting, all easily accessible via your FNB Business Online Banking profile
  • Earn up to 5% back in eBucks from in-store partners such as Makro, Incredible Connection and many more!
  • Earn 15% back in eBucks on commission paid when you send or recieve foreign currency online

Ways in which your business can spend eBucks

  • Shop at the eBucks for Business online shop accessible via your FNB Business Online Banking profile
  • Shop at the eBucks shop at eBucks.com
  • Purchase monthly business subscriptions at discounted rates for website creation and hosting powered by Afrihost
  • Shop at eBucks online partners such as kalahari.com
  • Shop at eBucks in-store partners, such as Makro, HiFi Corp and many more
  • Use your eBucks card to fill up with fuel at participating Engen service stations
  • Book flights, accommodation and car hire with eBucks travel

How does a business qualify to join the eBucks for Business programme and start earning eBucks?

To qualify and start earning eBucks for your business, your business must:

  • Hold an active qualifying FNB business bank account/s with an annual turnover of up to R40 million.
  • Have transacted on either FNB Online Business Banking or Online Banking Enterprise™ in the last month
  • Have provided marketing consent to FNB (marketing permissions must be set to "Yes")

Note your business account:

  • Cannot be in arrears, in excess or have missed a payment on your business bank account/s
  • Cannot be under debt counseling or any legal process with FNB
  • Cannot have an annual bank account turnover of more than R40m

For more information on whether your business will qualify call FNB Business Banking on 0860 263 362 or contact your FNB Commercial Banker

Please note: Once you have registered and qualified for eBucks for Business, you will automatically be placed on reward level 1, which determines how much eBucks you earn.

How do the reward levels work?

  • The amount of eBucks that your business earns is determined by four reward levels
  • Your business collects reward level points based on your business banking behaviour which in turn determines what level your business will be on
  • The higher the level, the higher the percentage of eBucks your business earns on fuel purchases and when shopping using your qualifying FNB Visa Business Cheque Card

NB: Your business gets placed onto a reward level based on the number of reward level points collected over a rolling 12 month period (rolling refers to a 12 month period and not necessarily a yearly calendar period)

Below illustrates the reward levels and the reward level points required to reach each level on shopping, fuel and subscriptions, as well as the related earn rates:

How does your business collect reward level points?

If your business has met the qualifying criteria to begin earning eBucks and has registered for the eBucks for Business programme, your business will collect reward level points based on the FNB products held and your banking behaviour on those products over a rolling 12 month period.

The four broad categories under which your business can collect reward level points are as follows:

  • Product holding
  • Utilising electronic channels
  • Utilising value-added products and services
  • Account health (account in good standing)

See table below for rewards level points:

Product Holding Monthly Reward Level Points Max p.m. Annual Points
Overdraft usage in excess of R300
A short term convenient lending solution to increase your cash flow. Get 1250 reward level points per month for using your overdraft.
1250
Business Loan*
A medium to long term solution that is ideal for when you need to finance capital expenditure. Get 1750 reward level points per month for using your business loan.
1750
Merchant Device (Speedpoint)
This provides a safe and cheaper option than holding cash in-store and increases feet into your shop. Get 1500 reward level points per month for using a Merchant Device.
1500
Positive Balance on Flexi-fixed Investment
Benefit from competitive returns, the flexibility to deposit money at any time AND get 500 reward level points per month if you maintain a minimum balance of R50 000.
500
Business Banking Insurance Products
Protect your business vehicles, products, equipment and staff with our extensive range of insurance and life cover products. Get 500 points per month if you hold any one or more insurance products offered by FNB Business Banking.
500
Transact with FNB Forex
Fast, convenient and secure foreign currency payments. Get 500 reward level points in any month that you make or receive Forex payments using Online Banking plus get 15% back on the value of the transaction fees paid on each transaction.
500
Commercial Property Finance
Tailor-made finance for commercial, retail, industrial or residential property transactions. Get 500 reward level points per month for holding a commercial property finance loan that is in good standing.
500
Electronic Channels Monthly Reward Level Points Max p.m. Annual Points
FNB Online Banking or Online Banking Enterprise™
A secure and easy to use online system that allows you to manage a host of account aspects 24/7, anytime and anywhere. Get 450 reward level points per month.
450
Cellphone Banking
A safe and convenient way to do business, anytime and anywhere 24/7. Get 500 reward level points per month by simply making use of your mobile banking.
500
Use ATM Advance and till points to save time and money
Get 700 reward level points per month if you withdraw and deposit cash using an FNB ATM Advance or if you withdraw cash at a till at a participating Pick 'n Pay and Checkers outlet.
700
Services / Value–Adds Monthly Reward Level Points Max p.m. Annual Points
Instant Accounting Registration
Keep your books up to date with Instant Accounting, a unique, online accounting solution that is FREE to all Business Banking customers. Get 2000 reward level points once-off for registering for the product.
2000
Instant Accounting Financial Statements
Keep your books up to date with Instant Accounting, a unique, online accounting solution that is FREE to all Business Banking clients. Get 3000 reward level points every year for using the Instant Account service in your business.
3000
E-mail Statements
Minimise your paperwork in your office and contribute to a greener environment by having your statements sent to you via email for FREE. Get 250 reward level points per month.
250
Account Health Monthly Reward Level Points Max p.m. Annual Points
Active Account in Good Standing
Make regular monthly transactions on your account. Your payments should not be in arrears, nor should you be in debt counselling or any legal process with FNB. Get 400 reward level points per month.
400
Updated Customer details
Update your details online at least once a year. Get 1000 reward level points per year
1000
Minimum Balance
Your business will be allocated reward level points for maintaining an average balance during the month equal to or great than 10% of the monthly credit turnover for that account. Get 850 reward level points per month.
250 (+20 per R100 over R5000) 1500

* Islamic Accounts do not qualify for this product and cannot collect points on this product.

FNB Business Banking and Commercial Banking customers will be placed onto a reward level by looking at their account behaviour over the last 12 months. All registered and qualifying eBucks for Business members start on reward-level 1.

An Example:

The diagram below illustrates the Reward Levels and the Reward Level points required to reach each level as well as the related earn rates on fuel, shopping and Web Essentials subscriptions:

eBucks for Business card

Your eBucks for Business card is your key to spending at in-store partners like Makro and Incredible Connection and to fill up with fuel at participating Engen service stations.

You will receive your eBucks for Business card in the mail along with a welcome pack explaining everything about the eBucks for Business programme.

Note: Your new card should reach you within 20 days. If not, please call us. Once you receive your card and eBucks PIN, you'll be ready to spend any eBucks you've earned as well as earn further eBucks at in-store partners.

If you've lost your card, or for some reason didn't receive it in the post, you need to cancel your existing eBucks for Business card before ordering a new one. Cancel and order a new eBucks for Business card online at eBucks.com or call us on 087 320 3200.

How to use your eBucks for Business card:

Your eBucks for Business PIN: Remember you'll need your 4-digit eBucks for Business card PIN to spend eBucks at eBucks in-store partners. It's that easy. Happy shopping!

You can access your eBucks for Business account balance by doing one of the following:

  • Login to the eBucks website by clicking on "Login" and entering your South African ID number or eBucks card number and your 4-digit eBucks PIN. Your eBucks balance will then be displayed on the top right hand corner of the page.
  • Login to FNB Online Banking profile and go to "Rewards > eBucks for Business".

For any queries or assistance with your eBucks for Business card, contact us on 087 320 3200

How does your business get on board?

Before registering, please ensure that your business meets the qualifying criteria to earn and join the eBucks for Business programme. Go to eBucks.com to complete the registration.

To join the eBucks for Business programme and to earn eBucks, your business must meet the following qualifying criteria:

To qualify and start earning eBucks for your business, your business must:

  • Hold an active qualifying FNB business bank account/s with an annual turnover of up to R40 million
  • Have transacted on either FNB Online Business Banking or Online Banking Enterprise™ in the last month
  • Have provided marketing consent to FNB (marketing permissions must be set to "Yes")

Note your business account:

  • Not be in arrears, in excess or have missed a payment on your business bank account/s
  • Not be under debt counseling or any legal process with FNB
  • Not have an annual bank account turnover of more than R40m

For more information on whether your business will qualify call FNB Business Banking on 0860 263 362 or contact your FNB Commercial Banker.

Once you have successfully registered we'll send you:

  • A welcome pack in the post containing your eBucks for Business brochure and eBucks card explaining all the details of the programme
  • A welcome email, so you can have all of the above at your fingertips
Join eBucks for Business now

Please read the full terms and conditions.