FNB Online Banking App
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FNB Online Banking App

You can look at the FNB Online Banking App and see good sign of how online banking is fast changing the way that we bank. It has become so integral to our experience that for many of use, the last time we were in a bank was to open my most recent bank account. The FNB has made it virtually unnecessary to go to the bank with all the functionality that I keep discovering.

Currently, FNB has introduced the nav-igate life set of features to the app that you can use to manage your finances and initiate important processes like vehicle and home finance. If you don’t have it yet, you can download the FNB online banking app on their website.

FNB Online Banking App Goal

The goal seems to be a remote relationship with clients and only a support component from the banks. All the banks are pushing in this direction. This can be seen by the technological changes that are being adopted by savvy and forward-thinking business. FNB, for example, is making a great push toward online banking by waiving certain technicalities like having financial statement on paper. You can now get a verified and stamped statement of finances in digital form.

In another example, if you go to an FNB branch and require a bank statement, there is a dedicated station in the bank that is connected to the internet and even though they guide you through it, you essentially have to print it out yourself. If you have your own computer and printer and access to the internet you immediately realize that this is something you could have done at home or work and saved yourself the petrol and queuing time at the bank.

FNB Nav App features

The newest feature that I am very impressed with is the nav feature that gives you a user-friendly profile of your finances

As FNB describes it, “nav» is a smart new tool designed to point you in the right direction when it comes to making decisions about your money. It’s like a financial GPS that steers the way, wherever you need it most.”

FNB Nav Money

One of the most appreciated features will surely be the credit status feature. Using the information that is gathered from your activity through your bank account as well as information about your credit profile from the credit bureaus, FNB gives you a profile on where you stand on creditworthiness and which credit facilities you qualify for with them. This information is given in a graphic form that allows you to visualize what your credit looks like for each credit type.

For many this will save them the unpopular cost of paying for a credit score from people like Transunion. While we are all entitled to one credit report a year, it does not tell you whether you are in a good or bad position, which is what you want to know. They give you information, essentially in a list and you pay R80 for a credit score, which is really an arbitrary number on their scale as the different bureaus use their own differing scoring systems.

FNB’s credit gives you a visual representation of what your credit score looks like with a colour scheme from green to red to orange. So while your score does not guarantee a loan, you can know instantly whether you qualify for a personal loan or a home loan, and all for free.

Additionally, the feature provides information that tells gives you specifics on how to improve your credit status on the FNB platform. You can make improvements and watch your status change towards the green over weeks. It motivated me to start saving just to see my profile improve, it’s as if I’m playing a game and I am trying to win, take screenshot now and then take one when my score improves to the maximum band. I feel coaxed but it was for my own good as it encouraged me to adopt positive credit habits that benefit me in the end.

FNB Nav Home

FNB Nav home is a neat feature that you can use to conduct home finance, whether it is to buy, a property or to sell it. Many users will find it useful as it guides you well through the home loan application process. You can go through the majority of the process of home loan application from your couch and at the tip of your fingers.

You can get pre-approved for a home loan through the app within one day (pre-approval is having your finances and affordability checked to determine if you qualify for finance. After pre-approval, you can make a home loan application through the app. All you will need to do is upload certain documents as and when they are needed.

Note: Home loan applications are best done with a bond originator than directly through a bank. For more information on why, read the Home Loan Broker’s section on How To Get A Home Loan when self-employed.

FNB Nav Car

With FNB Nav Car you can renew your licenses, pay fines and apply for vehicle finance through the application. You can load up to 5 vehicles onto the platform and using the feature also has the potential of raising your eBucks rewards level up by one. FNB will also automatically pre-select you for Vehicle Asset Finance. In other words, they will let you know how much you possibly qualify for with regard to a car loan. Registering for Nav will, however, will require FNB to collect information about you from third parties so if you are particular about your privacy (if it still exists in that sense) you should be aware of those implications.

In Closing

These new features in the FNB app add a lot of convenience to how we bank. The changes are heavily focused on user experience and are particularly useful to those with busy schedules who do not have time to go to a physical bank. You no longer have to make extra time or even take a day off for things that used to call for that before. Hopefully other banks will introduce similar features of their own that add this level of convenience.


How is your experience with the FNB app and what features do you find most useful?

 

2 thoughts on “FNB Online Banking App

  1. FNB APPALING SERVICE I am Nomcebo Senene FNB complaint ref 2049372 AND 3151456NFQ
    . I paid the loan 5 years ago (2015) and up to date the loan still appears as unpaid because FNB has not updated the status, and to make matters worse they have handed the fully paid account to attornies 2. I enquired about the loan and overdraft before I settled the loan and they told me the overdraft was prescribed I only have to settle the loan only, to my surprise the overdraft is appearing all of a sudden and it is handed over in 2019 after 9 years . 3. I as per our aggreement with FNB I paid up the loan in full according to the settlement amount they gave me, I had to call the legal department to give me the settlement amount which I paid in full, and five(5) years later FNB tells me I have an overdraft that is unpaid and it is handed over, what kind of incompetence is this while in 2015 when I walked in to the WESTGATE MALL FNB , I was told the overdraft was written off or prescribed , then given the personal loan discounted amount of which up to date is still showing that I am owing , the next thing I am given a letter stating that FNB has written it off NOT PAID UP LETTER AS I SETTLED IT . 4. Ive been going up and down on countless visits to FNB branches, making countless calls which are very costly for me and have been taken from pillar to post up today (2020), and this tells me that theres grave incompetence and lack of responsibilities and accountability at this institution (FNB), and worse theres no department that works with solving problem/Complains, as no one is able to update the status of a paid up account that is (Five) years old 5. Im a single mother of Three(3), trying to make life better for my kids and get accomodation for my children but FNB is doing everything to deny me my basic right, why is it difficult for them to solve a problem that is more than (Five) 5 years old and worse that is Paid up in Full 6. I want to inform FNB that I am giving you 7 working days to solve this problem, or you leave me with no option but to go straight to the Media ,and expose you as this has been going on for half a decade (Five 5 years), your incompetence is appalling can’t take it anymore. Now. My home loan is being declined by every bank because of FNB. 7. I Hope you will respond to my email this time around and sort out your mess once and for all without any further delays. My application for home loan has been . declined because FNB has handed me over to the attorneys for an overdraft that i was told in 2015 that it is writen off or prescribed and in 2019 it gets handed over .. even the one they gave me a discounted settlement amount which was ,is still showing that i am owing . this cannot continue

  2. . I paid the loan 5 years ago (2015) and up to date the loan still appears as unpaid because FNB has not updated the status, and to make matters worse they have handed the fully paid account to attornies 2. I enquired about the loan and overdraft before I settled the loan and they told me the overdraft was prescribed I only have to settle the loan only, to my surprise the overdraft is appearing all of a sudden and it is handed over in 2019 after 9 years . 3. I as per our aggreement with FNB I paid up the loan in full according to the settlement amount they gave me, I had to call the legal department to give me the settlement amount which I paid in full, and five(5) years later FNB tells me I have an overdraft that is unpaid and it is handed over, what kind of incompetence is this while in 2015 when I walked in to the WESTGATE MALL FNB , I was told the overdraft was written off or prescribed , then given the personal loan discounted amount of which up to date is still showing that I am owing , the next thing I am given a letter stating that FNB has written it off NOT PAID UP LETTER AS I SETTLED IT . 4. Ive been going up and down on countless visits to FNB branches, making countless calls which are very costly for me and have been taken from pillar to post up today (2020), and this tells me that theres grave incompetence and lack of responsibilities and accountability at this institution (FNB), and worse theres no department that works with solving problem/Complains, as no one is able to update the status of a paid up account that is (Five) years old 5. Im a single mother of Three(3), trying to make life better for my kids and get accomodation for my children but FNB is doing everything to deny me my basic right, why is it difficult for them to solve a problem that is more than (Five) 5 years old and worse that is Paid up in Full 6. I want to inform FNB that I am giving you 7 working days to solve this problem, or you leave me with no option but to go straight to the Media ,HELLOPETERand expose you as this has been going on for half a decade (Five 5 years), your incompetence is appalling can’t take it anymore. Now. My home loan is being declined by every bank because of FNB. 7. I Hope you will respond to my email this time around and sort out your mess once and for all without any further delays

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