FNB customers, take note — major changes are coming to your banking experience from July 1, 2025. The bank has announced sweeping updates to its eBucks Rewards Program and account pricing, aiming to boost value for high-engagement users — while cutting back on rewards for those who don’t meet the mark.
With monthly charges rising and reward structures shifting, many South Africans are asking:
Will I earn more — or end up paying more?
Here’s everything you need to know about the 2025 FNB shakeup, including who wins, who loses, and how to avoid unexpected fees or lost rewards.
Quick summary: what’s changing in July 2025?
- Account fees are increasing across personal and business accounts.
- eBucks Rewards criteria are stricter, favouring digital and high-activity users.
- Low-engagement customers risk earning less — or losing all rewards.
Account fees going Up: Here’s the damage
FNB’s new banking fees reveals monthly increases of up to R20:
| Account Type | Old Fee | New Fee (July 2025) |
|---|---|---|
| Easy Account | R4.95 | R6.95 |
| Gold Cheque Account | R109 | R119 |
| Premier Account | R219 | R235 |
| Private Wealth | R479 | R499 |
FNB says the increase reflects improved digital services and “value-added insights.”
“Our goal is to continuously reward customers who use our ecosystem responsibly and digitally,” said Raj Makanjee, CEO of FNB Retail.
“The revised eBucks program is about putting real value back into our clients’ hands when they demonstrate healthy financial behaviour.”
View the comprehensive FNB 2025/2026 Pricing Guide.
Rewards just got smarter — and tougher
The overhauled eBucks Rewards program is designed to benefit:
✅ Customers who use FNB Virtual Cards
✅ Those with multiple FNB products (e.g., insurance, credit, savings)
✅ People who contribute monthly to investments or savings
✅ Users with a good credit score
✅ Clients with updated personal contact info
Miss these? You may be downgraded — or cut off from rewards entirely.
Who wins in 2025?
High-engagement users can look forward to:
- Triple eBucks on key spend categories (fuel, groceries, travel)
- Flight discounts, free lounge access, and shopping rewards
- Access to new Smart Tools for budgeting and investing
- Bonus data and airtime with FNB Connect
Who loses? Low activity = low rewards
Customers who:
- Rarely swipe their card
- Keep low balances
- Don’t use FNB for credit, insurance, or savings
- Skip debit orders
…are likely to fall to Level 1 or earn no eBucks at all.
Maximise your eBucks: 5 tips that work
- Use your Virtual Card daily.
- Set up debit orders and swipes to show consistent activity.
- Save monthly, even small amounts.
- Bundle FNB products — insurance, credit, savings.
- Track your rewards level in the FNB App.
Bottom line: Pressure or potential?
The 2025 updates make one thing clear: FNB is rewarding loyalty and digital behaviour — and punishing inactivity. Whether that feels like added value or extra pressure depends on how you bank.
Either way, understanding the new rules is crucial if you want to avoid extra fees and keep your rewards flowing.
*Stay informed on banking changes, consumer rewards, and their impact on the South African economy — visit NOWinSA Economy for expert insights and updates.
