FNB Private Clients is the tier above Premier and below Private Wealth. FNB’s published criteria are based on income: you need to earn between R750,000 and R1,799,999 a year to qualify for the Private Clients Credit Card and the Fusion Private Clients account. At R1.8 million a year, or a net asset value above R15 million, you move into Private Wealth instead.
FNB sets out its Private Clients fees in a pricing guide for 1 July 2026 to 30 June 2027. This page covers the qualifying income, the documents FNB asks for, what the bundled account costs and what to ask before you take it on.
Eligibility Requirements at a Glance
- Income: an annual income of R750,000 to R1,799,999 for the Private Clients Credit Card and for the Fusion Private Clients account.
- Age and identity: be 18 or older with a South African ID book or smart ID card, or a valid South African passport. A non-resident can apply with a passport and a valid work or retirement permit for the credit card; foreign nationals need a work or study permit for the Fusion account.
- Credit and affordability: the credit facility is granted only if you pass FNB’s credit check and affordability assessment.
- Fees: acceptance of the monthly fee structure in the pricing guide.
FNB’s published Private Clients criteria on the pages above are income bands. If you think you qualify another way, for example through a professional qualification, ask a Private Advisor or a branch what FNB will accept before you apply.
Income and Affordability Requirements
The income band decides which tier you are offered. It does not decide whether you are approved for credit. FNB’s pricing guide states that the granting of any facility or product is subject to meeting the qualifying criteria of that product, and each facility must be applied for individually.
Under the National Credit Act 34 of 2005, FNB must assess your income, existing debt repayments and living expenses before it grants credit. Granting credit you cannot afford is reckless lending, so your limit depends on that assessment rather than on your tier.
Credit and Financial Requirements
FNB’s 2026/27 pricing guide shows the following for Private Clients:
- Bundled monthly fee: R475 a month for the Fusion Private Clients account on the bundled option. The bundle includes the Private Clients Credit Card and up to three additional credit cards. The guide shows other fee options, so check which one applies to you.
- Credit facility service fee: R30.
- Initiation fee: up to R210 once-off on the credit card.
- Additional cards: the first three are free, then R21.50 per card per month.
- Interest: personalised to you and shown on your account and credit card statement. FNB does not publish a single rate.
On its own, FNB lists the Private Clients Credit Card from R210 a month. FNB’s old R100,000 balance waiver of the monthly fee no longer applies from 1 July 2024, so do not rely on a balance to cut the fee.
Documents and Verification Required
For the Private Clients Credit Card, FNB asks for:
- A South African ID book (bar-coded) or a valid South African passport if you are a resident, or a passport with a valid work or retirement permit if you are not.
- Proof of residence in your name, not older than three months.
- Your latest payslip or your last three months’ bank statements.
For the Fusion Private Clients account, FNB asks for your South African ID book or card, a recent payslip, proof of residence and three months’ bank statements, plus a work or study permit if you are a foreign national.
If you have no green bar-coded ID or smart ID card, FNB’s FICA guidance accepts a valid passport or driving licence, or a sworn affidavit with proof that you reapplied to Home Affairs. Most proofs of residence must be under three months old. FNB’s FICA helpdesk is on 087 730 5799.
How to Apply and Improve Approval Readiness
Apply for the credit card on the FNB App, or contact your Private Advisor. Read Private Clients Credit Card page and FNB’s Fusion Private Clients page first, as they set out the income band, features and documents for each product.
Once you are a client, day-to-day queries go to the FNB Private Clients Suite. Use SecureChat on the FNB App or call 087 575 4727. Private Clients also have a Private Advisor.
Before accepting the tier, ask these questions:
- What is the full monthly cost, and which fee option in the pricing guide applies to me?
- What does the bundled fee cover, and what is charged separately?
- What happens to the fee if I leave the tier or move down to Premier?
- Will I use a Private Advisor? A single salary and a card may not need one.
To improve your readiness, get your free annual credit report and dispute errors, settle arrears, and have your payslip, statements and proof of residence ready.
Frequently Asked Questions
What are the FNB Private Client requirements?
An annual income of R750,000 to R1,799,999, a South African ID or valid passport, proof of residence, a recent payslip or three months’ bank statements, and a pass on FNB’s credit and affordability checks if you want the credit card.
What is FNB Fusion for Private Clients?
It is the bundled Private Clients account. FNB lists it at R475 a month on the bundled option, and it includes the Private Clients Credit Card. The qualifying band is the same: R750,000 to R1,799,999 a year.
What are the FNB Private Client account requirements?
For the Fusion Private Clients account, FNB asks for your South African ID book or card, a recent payslip, proof of residence and three months’ bank statements. Foreign nationals also need a work or study permit.
Does Private Clients include a credit card?
Yes. The bundled monthly fee includes the Private Clients Credit Card and up to three additional cards. You still pay the R30 facility service fee and an initiation fee of up to R210, and the card is subject to the credit assessment.
How do I contact FNB Private Clients?
Use SecureChat on the FNB App or call the Private Clients Suite on 087 575 4727. For credit card enquiries, FNB Credit Card Customer Enquiries is on 087 575 11 11.
What is the difference between Private Clients and Private Wealth?
Private Clients is for annual income of R750,000 to R1,799,999. Private Wealth is for annual income of R1.8 million or more, or a net asset value above R15 million. The Private Wealth Fusion account is R655 a month.
Income bands, fees and product terms are revised, usually from 1 July. Confirm the current requirements on FNB’s Private Clients page and in the Private Clients pricing guide with FNB before applying.
See loan requirements and browse all finance and funding requirements.