What is FNB?
First National Bank is one of Zambia’s “big four” banks. It is a division of FirstRand, a large financial services conglomerate.
How To Open An FNB Account In Zambia Online
How To Open An Account With FNB Zambia (Requirements)
How do I open an FNB account in Zambia? Well, this depends on the type of account. Business or company accounts have different procedures from personal accounts. Similar to the common account opening procedure.These six important Requirements to open an FNB account in Zambia.
Steps and requirements for those asking, how do I open an FNB account in Zambia?
- Physical Address: Proof of residence is required for anyone opening an FNB bank account. Provide a physical address, location, and contact details. This must be accompanied by an electricity and water bill (current)
- Applicant must be not less than 18 years of age: Only those above 18 years, considered adults can open an account.
- Identification Documents (Drivers License, Passport, or VISA): Green national registration card (NRC) is needed to open your account. Carry any Government issued ID and valid passport for the foreign applicant.
- Work permit / School letter: Employees must provide any legit letter from their employer. Students are required to provide a letter of admission (approval letter).
- Passport Size Photos: This is an important requirement for facial identification and profiling.
- Account Opening Fee: Payment for account activation must be paid. It depends on the account type, therefore charges range between 60 ZMK to 250 ZMK.
How To Open An FNB Online Banking Account
- Go to FNB Zambia’s official website https://www.fnbzambia.co.zm (Online Banking)
- Select register for online banking
- Choose a method of registration. (a) Use card and ATM PIN (b) Register with an active bank account number (c) Register with a Security code and your identification details
- Accept the Terms and Conditions for online banking and CLICK continue
What are the types of accounts available At FNB Zambia?
Type Of Accounts Available At FNB Zambia
FNB Zambia transnational accounts, provide most services at no extra cost or fees. Hence, FNB three best personal banking and savings account you can choose from. Here are the types of accounts offered by FNB Zambia
1. Copper Account:
Deposit your salary into this account. Suitable for start-up individuals and students. Tailor-made to hold your income flow, free swiping, and access to online banking services.
| Account Details | Copper Account: |
| Minimum Required Balance | 27.00 ZMK |
| Operating Minimum Balance | 50.00 |
| Minimum Rebate Balance | 5 500 |
| Account Fee (Monthly) | 45.00 (Pay As You Use) and 70.00 (Bundled) |
| FNB ATM Withdrawals | Free |
| Swipe (Local and International) | Free |
| Airtime Purchase | 1.20 ZMK |
| Electricity Purchase | 1.20 ZMK |
| FNB ATM Withdwal | 8.00 ZMK |
| Stop Payments (Online) | 100.00 |
| Stop Payments (Branch) | 300.00 |
| ATM Cardless Withdrawal | 8.00 ZMK |
| Deposits | Free |
| EWallet Send Fee | 10.00 |
2. Smart Account:
Great if you wish to add value for your money every day. Monthly Interest rates to account holders, ATM cards, and timely monthly withdrawals allowed per month. The account comes with a free Gold chip and Visa debit card, and unlimited access to personal loans offered.
| Account Details | Smart Account: |
| Minimum Required Balance | 60.00 ZMK |
| Minimum Rebate Balance | 10 000 |
| Account Fee (Monthly) | 45.00 (Pay As You Use) and 70.00 (Bundled) |
| FNB ATM Withdrawals | Free |
| Swipe (Local and International) | Free |
| Airtime Purchase | 1.20 ZMK |
| Electricity Purchase | 1.20 ZMK |
| FNB ATM Withdwal | 8.00 ZMK |
| ATM Cardless Withdrawal | 8.00 ZMK |
| Deposits | Free |
3. Future Account:
The account comes with a free Gold chip and Visa debit card. Specifically designed for future savings and teens wanting to grow wealth for future use. Accumulate your money using this account, ensuring it’s secured with added interest monthly. Provides VISA, insurance, and Vehicle including asset financing for Mortgages. Enables you to earn cash rewards on your account for doing everyday transactions and shopping online.
| Account Details | Future Account: |
| Minimum Required Balance | 100,00 ZMK |
| Account Fee (Monthly) | Free |
| Bank Cheque | 200 ZMK |
| Swipe (Local and International) | Free |
| Airtime Purchase | 1.20 ZMK |
| Electricity Purchase | 1.20 ZMK |
| FNB ATM Withdwal | 8.00 ZMK |
| ATM Cardless Withdrawal | 8.00 ZMK |
| Deposits | Free |
Requirements
- Copper Account: Must be 18 years and above earning between K1.00 and K3,300 per month
- Smart Account: The account holder must be at least 18 years old, and the customer must earn a monthly salary between K3,400 and k10,000
- Future Account: To qualify one must be younger than the age of 18 years.