First National Bank Zambia Ltd (FNB)

Transact

Cheque accounts

First National Bank Zambia Ltd (FNB) offers a range of bank accounts with outstanding value for your day-to-day banking needs.

Gold cheque account: Your income must be between ZMW3 500 and K19 999 per month. Manage your finances hassle-free and get great value-added benefits.

Platinum cheque account: Your income must be K20 000 or more per month. Get superior value, instant savings, and an account that is secure and convenient to use.

Transactional accounts

FNB Zambia offers an array of transactional accounts to suit your needs. It is a simple and safe way to withdraw money, make deposits and save.

Future account

Designed for the youth market, this is a savings account that can help you grow your money from a young age. You will get a complimentary FNB Turquoise Chip and PIN Visa debit card. There is no minimum deposit amount required.

Copper account

A transactional salary account that gives you great value for money every day. It is suited to those who earn less than K1 000 per month. Earn great interest, bank anytime, anywhere and send money to family and friends without bank accounts.

Smart account

This is a transactional salary account that gives you great value for money every day. Transact securely with your debit card, get a no-fuss digital banking offering and keep track of your account easily.

Life start student

A transactional student account that gives you great value for money every day. You must be aged between 18 and 25 years and enrolled at a university or college.

Invest

Savings Pocket

Designed to help your money grow, the savings pocket enables you to save as you transact. You can deposit funds whenever you want and access your account anytime.

32 Day Interest Plus

This account allows you to invest money indefinitely, and have access to the funds by providing 32 days' notice.

Flexi fixed account

An investment account that gives you the benefits of a fixed investment term but with the flexibility of depositing into the account at any time.

Fixed deposit

With this account, you can deposit a sum of money for a fixed period of time at a fixed rate of interest. The investment period ranges from as little as 7 days to 5 years.

Call deposit

A savings product that allows you to make additional deposits at any time, while giving you easy access to your funds.

Transact

Business accounts

First National Bank Zambia Ltd (FNB) offers bank accounts with outstanding value for your day-to-day business banking needs.

Business cheque account: Tailored to your business needs, this is a transactional account designed for small to medium enterprises. The account is ideal for businesses that require the use of a Visa debit card and chequebook, it also enables you to qualify for credit applications.

Business start account: This is a business transactional account intended for micro enterprises. The account's primary transaction channels are a Visa debit card, cell phone banking and online banking, income per month should be ZMW3, 500 – ZMW19, 999.

Business SME account: A business transactional account designed for small to medium enterprises. The account is ideal for businesses that require the use of both a VISA debit card and chequebook. It also qualifies you for credit applications, income per month should be ZMW20, 000 or more.

Business investment solutions: Make your money work for you, FNB Zambia provides you with a range of investment options to help you make the most of your surplus cash. Each investment is tailored to your needs and it is linked directly to your business account allowing you to easily transfer funds between the two.

International banking

Foreign exchange

Travel with ease. First National Bank Zambia will be able to assist with foreign exchange, swift payments and foreign currency.

Foreign notes

FNB Zambia's foreign notes will benefit anyone travelling abroad to obtain foreign currency in order to pay for refreshments, taxi's, tips and other small items.

Imports and exports

FNB helps you unlock international markets, the bank not only caters for your specific needs, but also helps protect you from the risks associated with global transacting.

Forward exchange contracts: FNB's forward exchange contracts fixes the price of foreign currency payments expected to materialise at a future date.

Guarantees

A written undertaking by the institution on behalf of a party for payment on presentation of a written demand, stating that the party has defaulted in terms of their contract.

Structured trade services

These services provide sophisticated trade solutions and risk-hedging instruments.

Telegraphic transfers

Facilitate all your international payments into and out of Zambia. Donations, gifts, payments for education, purchases, sending out your investment allowance - you name it! The SWIFT Code: FIRNZMLX.

Focused on helping you grow your business, First National Bank Zambia Ltd (FNB) Finance offers a wide variety of financing solutions that are designed to meet your long–term and short–term financial planning and the implementation of financial strategies.

FNB is always striving to build meaningful relationships with its customers and becoming partners in their growth and progress. This bank is unique in its ability to provide flexible financing for companies that require a more comprehensive financial and strategic solution. FNB’s team has a proven track record of responding quickly to their customers, offering a level of sophistication, creativity and responsiveness that allows SMEs to achieve their growth objectives.

First National Bank Zambia Ltd (FNB) helps you make the most of your surplus cash by providing a comprehensive range of customised investment solutions.

When it comes to making more money with investments, security is your number one priority. With FNB Zambia, you can be assured that your funds will be managed by a team of highly trained experts. Before an investment solution is recommended to you, the bank takes the time to provide you with a full advisory consultation. Here, FNB Zambia seeks to gain an understanding of your needs and requirements. This allows them to ensure that you receive the perfect solution for you. All our Investment Solutions carry no monthly account fee.

Available investment solutions

• 32 Day interest plus account - Invest your money for as long as required.
• Fixed deposit - Invest a lump sum for a fixed term at a fixed interest rate.
• Call account - Access your funds easily and make additional deposits at any time.
• Flexi fixed account - Add money at any time. This is an investment account that gives you the benefits of a fixed investment term but with the flexibility of depositing into the account at any time.
• Savings pocket - Save as you transact. This is designed to help your money grow. You can deposit funds whenever you want and access your account anytime.

First National Bank Zambia Ltd (FNB) provides a wide selection of property financing services for the purpose of buying, renovating, building and releasing equity out of their asset at a competitive and flexible pricing structure. FNB Zambia is proud to be the first bank in Zambia to introduce a product that allows home buyers to get an upfront bond which is a pre-approved certificate that displays the amount of finance that has been approved in principal by the bank for which the customer qualifies, before they start looking for a house.

Regular income earners, who are either FNB or non-FNB clients are eligible to access FNB Zambia’s array of home loans finance facilities, which includes a home owner’s and credit life insurance policy that provides cover against death, permanent disability and critical illness, a quick response time and a maximum repayment period of 20 years at affordable interest rates.

Home loans

FNB Zambia can help you buy a home with the following range of loans:

Traditional home loans: Property solutions for first time home buyers and existing home owners. Approach FNB for finance that will be secured against the home you choose to buy or build.

Building loan: Let FNB Zambia help you through the entire process of building your dream home. This bank has made it easier for you to build a new home or make improvements to your existing one.

Smart bond: This is a housing finance solution for Zambians that offers first time home owners a 100% bond, without the need for a deposit.

Completion loan: Complete your dream home. This loan allows you to build a home with a National Council for Construction (NCC) registered builder.

Home owners cover

Make sure you are covered. Home owners cover insures the house and any structural improvements to the property.

Borrow

Personal loan

Whether you are consolidating debt, covering unforeseen expenses or just improving your home, a personal loan from FNB Zambia can bridge the gap between where you are and where you want to be, loans are from K 700 upwards.

Vehicle finance

Finance your moveable assets, whatever you wish to drive or ride, get the finance you need from FNB Zambia.

Types of financing:

Dealership finance

Understand how much you can afford to buy and get tailor-made vehicle finance, with a choice of fixed or variable rates.

Private vehicle finance

Access to a network of FNB approved testing stations nationwide and the ability to buy a vehicle privately, with personalised interest rates.

Leisure vehicle finance

Finance for motorbikes, boats and other dreams. Get finance to buy a leisure vehicle from a dealership, with a choice of fixed or variable rates.

Electronic payment systems offered by First National Bank Zambia Ltd (FNB) include:

Online banking - With a wide range of services, this digital banking solution allows you to make online payments, transfer funds between your accounts, view your accounts and balances, and let someone know that you have paid them. It is safe, secure and available 24/7.

Cell phone banking - Your mobile phone is more than just a telephonic device, it has become a device to do safe, easy and convenient cell phone banking. You can buy prepaid Zesco units for yourself or someone else, buy prepaid airtime for yourself or someone else, buy prepaid airtime for people roaming in other countries, pay for DSTV and GOTV, Send eWallet to any one on any network, check balances on one or all of your accounts, get a mini statement, transfer money between your own FNB accounts and make third party payments to pre-defined beneficiaries.

eWallet - This service allows FNB customers to send money to anyone with a valid Zambian cell phone number on any network. Money is transferred instantly and can be used to buy prepaid airtime, send money to another cell phone or draw cash from any FNB ATM.

Automated Teller Machines (ATMs) - FNB’s countrywide network of ATMs provides you with easy access to your accounts. Some ATMs situated within FNB Zambia branches allow you to make deposits.