Joint Account

Joint Current Account

Maintain a balance of £2,500 and qualify for a waiver on your monthly account fees

Published at 2024-09-30

Amount	GBP Gross	GBP AER
0 - 2499	0.00%	0.00%
2500 - 4999	0.00%	0.00%
5 000 - 9 999	0.10%	0.10%
10 000 - 24 999	0.15%	0.15%
25 000 - 49 999	0.20%	0.20%
50 000 - 99 999	0.25%	0.25%
100 000 - 249 999	0.30%	0.30%
250 000+	0.35%	0.35%

Amount

GBP Gross

GBP AER

0 - 2499

0.00%

2500 - 4999

0.00%

5 000 - 9 999

0.10%

10 000 - 24 999

0.15%

25 000 - 49 999

0.20%

50 000 - 99 999

0.25%

100 000 - 249 999

0.30%

250 000+

0.35%

Important information

You must apply for each product we describe individually. The grant of any product is subject to you meeting the qualifying criteria of that product.

Each product is bound by its terms and conditions. The terms and conditions are accepted by the applicant upon acceptance of the product and subsequent opening of the account.

The bank reserves the right to change the features and rates of any product at any time.

Rates are subject to change.

Standard terminology

Gross is the contractual interest rate payable without the deduction of any tax.

AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded yearly. This is the indicative rate.

Interest on Current Accounts, Call Accounts and 32 Day Notice Accounts is variable, and interest on Fixed Deposit Accounts is fixed.

Qualifying criteria

Clients must be over the age of 18 and must reside in or originate from South Africa, Botswana, Namibia or the Channel Islands.

Clients who originate from but reside outside the above-mentioned countries must hold a qualifying retail banking relationship or investment relationship with FirstRand at the time of application. These clients could have migrated temporarily or permanently for reasons such as international assignment posting or emigration.

Our eligibility criteria exclude any individual who solely holds a non-resident bank account with FirstRand and does not come from South Africa, Botswana, Namibia or the Channel Islands. These individuals are also precluded from being added as joint account holders with eligible clients.

Clients who bank with FNB Namibia or FNB Botswana must hold a qualifying retail banking relationship.

Clients residing in the Bailiwick of Guernsey must either have sole annual earnings of £75 000, joint household earnings of £125 000 or a net asset value of £750 000.

Documents needed

Completed application form

South African ID (SA citizens only) or a passport

Proof of residence (not older than three months)

Source of funds/wealth

Account application forms

Download statements on the FNB App or online

Joint Current Account

Our Joint Current Account provides up to 4 account holders with equal access to transact and maintain the account.

View product guide

The Joint Current Account is available in GBP(£) only
Maximum of 4 persons to share equal access to transact and maintain the account
All joint members may be issued with an internationally accepted VISA debit card

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Joint Account

Features and benefits

Important information

Applying made easy

Designed for day-to-day transactions

Pay no monthly account fees

Maintain a balance of £2,500 or more

Internationally accepted card

VISA Debit Cards are included with your account

World-class service and support

Via your Private Banker, Relationship Manager or our dedicated FNB Channel Islands Service Suite

Free subscription

Free Online Banking, inContact notifications and the FNB Channel Islands App

Earn tiered interest

On balances over £5000.

Account holders have the ability to earn higher interests with cumulative balances held jointly in a single account
Ability to pay jointly for your bills
Manage your funds with a single account
Download statements on the FNB App or online
InContact to track flow of funds

Important
information

All Joint Account holders are equally liable and responsible for:

Any debt incurred on the Joint Account.
Payments made to and from the account.

It is important that all Joint Account holders become familiar with the terms and conditions.

Applying made easy

Call me back

Qualifying criteria

Documents needed

Contact your Private Banker or Relationship Manager

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Joint Current Account

Qualifying criteria