Big savings: smarter banking starts with FNB’s payment bundles

FNB’s payment bundles, introduced in July last year, are helping customers save more and bank smarter. Designed to make everyday banking affordable and predictable, early results show strong adoption and significant savings for customers. In just six months, from July to December 2025,FNBprocessed 9.8-million real-time payments at no cost to customers, totalling R5.9bn in value.

Most customers in low-to middle-income segments also paid less than before, with many saving up to R30 per transaction. “We designed our payment bundles with our customers in mind — bringing clarity, simplicity, and real value to everyday banking,” saysFNBCore Banking CEO Christelle Pretorius. “These bundles give customers transparency on their upfront transaction allocations and then apply a capped fee for additional usage, making costs predictable, transparent, and affordable.” Customers expect more than competitive pricing, she says — they want meaningful savings and predictable costs that fit their financial lives.

“These savings reaffirm how seriously we take affordability, transparency, and genuine value for customers when it matters most.” For Pay and Clear transactions — an electronic payment transaction that transfers funds between bank accounts, clearing in 60 seconds or less — the bank offers free allocations and a capped ad-valorem fee (maximum transaction fee), giving customers upfront free usage and lower costs thereafter: Beyond these limits, customers pay R10 per R1,000 spent, capped at R50, ensuring transparent pricing. “This is about more than pricing. It’s about putting customers first by lowering everyday costs and making banking feel more supportive for them,” says Pretorius. “Clarity means that customers can manage their money with confidence, predictably and efficiency.” Customers can now easily understand what they pay for, including real-time payment options and everyday rewards designed around how they live, she says.