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If you bank Private Clients or Private Wealth and you have been following a Premier guide, you have been aiming at the wrong number. Premier needs 9,500 points. You need 11,000 or 13,000.
The good news is you have earns Premier customers do not, so the gap closes faster than it looks. Pick your tier below and the whole page follows you.
Every table below switches with this.
How your tier differs from Premier
| Premier | Private Clients | Private Wealth | |
|---|---|---|---|
| Level 5 target | 9,500 | 11,000 | 13,000 |
| Salary deposit needed | R16,500 | R32,500 | R32,500 |
| Points for salary + transactions | 2,000 | 2,500 | 3,000 |
⚠️ The R32,500 trap
This is the one that catches people. If your salary deposit does not hit R32,500 in a month, the programme caps you at Level 3 no matter how many other boxes you tick. Everything else on this page only matters once that threshold is met. If your salary lands at another bank, it is the transfer into FNB that counts. If your income is irregular, FNB applies an averaging rule, and the criteria in your app are the ones that count.
Bestie tip: Do Step 1 first. On Private Clients it is worth 6,500 of your 11,000. On Private Wealth it is worth 7,000 of your 13,000. None of it costs you anything extra, and none of it needs a new product.
1
Lock in your free points first
Private Clients. Do these every month. Combined they are worth 6,500 of your 11,000-point target, leaving a gap of 4,500.
| Action | How to do it | Points |
|---|---|---|
| Salary + 10 transactions | Deposit R32,500+ salary and complete 10 qualifying transactions (debit card, EFT, debit orders, airtime, electricity and so on) | 2,500 |
| Track My Rewards + Earn More | FNB app → eBucks → open “Track My Rewards,” then open “Earn More eBucks.” Both tabs, not just one | 500 |
| Nav>Money (2 features) | FNB app → Nav>Money → visit any 2 of: My Net Worth, Credit Status, Track My Spend, Smart Budget | 500 |
| Nav>Home tab | FNB app → Nav>Home → search a property or browse any listing. Once a quarter is enough | 500 |
| Pay bills via FNB Pay Bills | Pay municipal, DStv, cellular or other accounts through FNB Pay Bills, R2,500+ combined | 1,000 |
| Healthy credit status | Keep your credit status Light Green or Dark Green in Nav>Money | 500 |
| Buy products in-app | Airtime, data, prepaid electricity or vouchers, R500+ combined, bought through the FNB app | 500 |
| Free points subtotal | 6,500 |
Private Wealth. Do these every month. Combined they are worth 7,000 of your 13,000-point target, leaving a gap of 6,000.
| Action | How to do it | Points |
|---|---|---|
| Salary + 10 transactions | Deposit R32,500+ salary and complete 10 qualifying transactions (debit card, EFT, debit orders, airtime, electricity and so on) | 3,000 |
| Track My Rewards + Earn More | FNB app → eBucks → open “Track My Rewards,” then open “Earn More eBucks.” Both tabs, not just one | 500 |
| Nav>Money (2 features) | FNB app → Nav>Money → visit any 2 of: My Net Worth, Credit Status, Track My Spend, Smart Budget | 500 |
| Nav>Home tab | FNB app → Nav>Home → search a property or browse any listing. Once a quarter is enough | 500 |
| Pay bills via FNB Pay Bills | Pay municipal, DStv, cellular or other accounts through FNB Pay Bills, R2,500+ combined | 1,000 |
| Healthy credit status | Keep your credit status Light Green or Dark Green in Nav>Money | 500 |
| Buy products in-app | Airtime, data, prepaid electricity or vouchers, R500+ combined, bought through the FNB app | 500 |
| Free points subtotal | 7,000 |
⚠️ Fusion is not a free point
The Fusion account pays 2,000 points, but only if it carries a credit limit and an active card. Switching your account across on its own earns nothing. It sits in Step 2 for that reason, because taking a credit facility is a decision, not a free tap.
2
Bridge the gap
You need 4,500 more points. These are the earns available to you, grouped the way FNB groups them in the app.
Your account
| Action | What it needs | Points |
|---|---|---|
| Fusion account | Switching alone is not enough. The 2,000 only pays if the account has a credit limit and an active card | 2,000 |
Savings
| Action | What it needs | Points |
|---|---|---|
| Savings account, 7 days notice or less | Balance of R97,500 or more | 1,500 |
| Savings account, 8 days notice or more | Balance of R97,500 or more. The longer notice period pays double | 3,000 |
| Savings growth | A scheduled transfer of R2,750 or more a month into savings | 1,000 |
Investments
| Action | What it needs | Points |
|---|---|---|
| Tax-Free Investment Account | Contribute R46,000 a year into an FNB Tax-Free account | 1,500 |
Family
| Action | What it needs | Points |
|---|---|---|
| FNBy account for a child | Open a free FNBy account under the My Family tab | 1,000 |
| Family Account for a spouse | Add a spouse under My Family. Their monthly fee drops by 50%, yours does not | 1,000 |
| FNB Estate Protector and Will | Estate Protector together with a Will in place | 1,000 |
Home
| Action | What it needs | Points |
|---|---|---|
| FNB Home Loan | An FNB home loan in place | 1,000 |
Borrow
| Action | What it needs | Points |
|---|---|---|
| Personal Loan | An FNB personal loan in place | 1,000 |
| Revolving Facility | An FNB revolving credit facility in place | 1,500 |
Insurance
| Action | What it needs | Points |
|---|---|---|
| FNB Life Customised | The highest insurance earn in the programme | 3,500 |
| FNB Life cover types | Qualifying FNB Life cover | 1,500 |
| FNB Funeral Plan | A Funeral Plan covering at least 2 lives | 500 |
Offshore banking
| Action | What it needs | Points |
|---|---|---|
| FNB Global Account | Hold the minimum balance on a Global Account | 1,000 |
| Global Account funding | Fund the account with R45,000 or more | 1,500 |
| Channel Islands account | Balance of 25,000 or more (confirm the currency in your app) | 3,500 |
| Channel Islands fixed deposit | Fixed deposit of 25,000 or more (confirm the currency in your app) | 4,500 |
Two ways people close a 4,500 gap
✅ Big savings balance: Fusion with a credit limit (2,000) + savings account on 8 days notice at R97,500 (3,000) = 5,000
✅ Family route: Fusion with a credit limit (2,000) + savings growing (1,000) + FNBy (1,000) + Family Account (1,000) = 5,000
You need 6,000 more points. These are the earns available to you, grouped the way FNB groups them in the app.
Your account
| Action | What it needs | Points |
|---|---|---|
| Fusion account | Switching alone is not enough. The 2,000 only pays if the account has a credit limit and an active card | 2,000 |
Savings
| Action | What it needs | Points |
|---|---|---|
| Savings account, 7 days notice or less | Balance of R97,500 or more | 1,500 |
| Savings account, 8 days notice or more | Balance of R97,500 or more. The longer notice period pays double | 3,000 |
| Savings growth | A scheduled transfer of R2,750 or more a month into savings | 1,000 |
Investments
| Action | What it needs | Points |
|---|---|---|
| Tax-Free Investment Account | Contribute R46,000 a year into an FNB Tax-Free account | 1,500 |
| Investment portfolio R200K to R299K | Maintain an investment portfolio in this band | 500 |
| Investment portfolio R300K+ | Maintain an investment portfolio above R300,000 | 1,000 |
| Investment portfolio R300K+ with Retiree Solution | The highest investment band in the programme | 2,000 |
Family
| Action | What it needs | Points |
|---|---|---|
| FNBy account for a child | Open a free FNBy account under the My Family tab | 1,000 |
| Family Account for a spouse | Add a spouse under My Family. Their monthly fee drops by 50%, yours does not | 1,000 |
| FNB Estate Protector and Will | Estate Protector together with a Will in place | 1,000 |
Home
| Action | What it needs | Points |
|---|---|---|
| FNB Home Loan | An FNB home loan in place | 1,000 |
Borrow
| Action | What it needs | Points |
|---|---|---|
| Personal Loan | An FNB personal loan in place | 1,000 |
| Revolving Facility | An FNB revolving credit facility in place | 1,500 |
Insurance
| Action | What it needs | Points |
|---|---|---|
| FNB Life Customised | The highest insurance earn in the programme | 3,500 |
| FNB Life cover types | Qualifying FNB Life cover | 1,500 |
| FNB Funeral Plan | A Funeral Plan covering at least 2 lives | 500 |
Offshore banking
| Action | What it needs | Points |
|---|---|---|
| FNB Global Account | Hold the minimum balance on a Global Account | 1,000 |
| Global Account funding | Fund the account with R45,000 or more | 1,500 |
| Channel Islands account | Balance of 25,000 or more (confirm the currency in your app) | 3,500 |
| Channel Islands fixed deposit | Fixed deposit of 25,000 or more (confirm the currency in your app) | 4,500 |
Two ways people close a 6,000 gap
✅ Insurance route: Fusion with a credit limit (2,000) + FNB Life Customised (3,500) + savings growing (1,000) = 6,500
✅ Savings route: Fusion with a credit limit (2,000) + savings on 8 days notice (3,000) + savings growing (1,000) + FNBy (1,000) = 7,000
3
Your monthly checklist
📸 Tick these off as you go. They stay checked in this browser next time you are back on this page. We are not tracking or storing this, it stays on your device.
Every month
Every quarter
Set once, then forget
4
Points summary
Private Clients, one way the numbers add up.
| Action | Points |
|---|---|
| Salary + 10 transactions | 2,500 |
| Track My Rewards + Earn More | 500 |
| Nav>Money (2 features) | 500 |
| Nav>Home (quarterly) | 500 |
| Pay Bills, R2,500+ | 1,000 |
| Healthy credit status | 500 |
| Products in-app, R500+ | 500 |
| Free subtotal | 6,500 |
| Fusion with a credit limit | 2,000 |
| Savings on 8 days notice, R97,500+ | 3,000 |
| Total | 11,500 |
| Level 5 target | 11,000 |
Private Wealth, one way the numbers add up.
| Action | Points |
|---|---|
| Salary + 10 transactions | 3,000 |
| Track My Rewards + Earn More | 500 |
| Nav>Money (2 features) | 500 |
| Nav>Home (quarterly) | 500 |
| Pay Bills, R2,500+ | 1,000 |
| Healthy credit status | 500 |
| Products in-app, R500+ | 500 |
| Free subtotal | 7,000 |
| Fusion with a credit limit | 2,000 |
| FNB Life Customised | 3,500 |
| Savings growing R2,750/month | 1,000 |
| Total | 13,500 |
| Level 5 target | 13,000 |
⚠️ Worth knowing before you plan around this
- Virtual card points are gone from July 2026. They no longer count toward levelling, on any tier.
- Fusion only pays with a credit limit and an active card. Switching the account across on its own earns nothing, which is the most expensive misunderstanding on this page.
- The two savings balance earns are bands, not a stack. R97,500 on 8 days notice or more pays 3,000 and replaces the 1,500 the shorter notice period pays.
- Savings growth is separate from the balance earns, so a scheduled R2,750 a month can run alongside one of them.
- The spouse discount is theirs, not yours. Adding a spouse under My Family cuts their monthly fee by 50%. Your own fee does not change.
- The big earns all involve taking a product. Life cover, loans, a revolving facility and offshore accounts carry their own costs and obligations. Points are a reason to check something you already wanted, never a reason on their own.
Pro tips
- Do your app actions on the 1st. Track My Rewards, Earn More, Nav>Money and the quarterly Nav>Home take about five minutes together. Set a monthly alarm.
- Buy airtime and electricity through the FNB app itself, not USSD or another channel. It ticks the 3-product requirement and counts toward your 10 transactions at the same time.
- Schedule the savings transfer for payday, so the earn does not depend on remembering.
- Check the points tracker weekly in the app, while there is still time in the month to fix a gap.
- If your salary is paid elsewhere, the transfer into FNB is what the threshold reads. Diarise it before month end.
Hit the salary threshold, bank the free points, then add only the earns that already suit how you bank. Level 5 stops being a mystery and starts being a checklist.