In the digital era, where convenience and efficiency are paramount, mobile banking apps are reshaping how people manage their finances. South Africa is no exception, with over 15.7 million mobile app users as of 2025. These apps are more than just tools—they’re becoming indispensable parts of everyday life.
Among the top banking apps in South Africa, the FNB Mobile App stands out for its innovative and user-centric features. With over 3 million active users, FNB continues to leverage technology to redefine banking, making it smarter, simpler, and more accessible.
If you’re not already using the FNB Mobile App to its fullest potential, now is the time to explore its capabilities. Here’s a detailed look at 15 genius features that will enhance your banking experience in 2025.
1. Instant Payments and Transfers
Managing your payments has never been easier:
- Instant Transfers: Send money instantly between FNB accounts or other banks, 24/7.
- Scheduled Payments: Set up future-dated payments or recurring transfers for bills, subscriptions, or loans.
- eWallet Services: Send money to recipients without bank accounts, who can withdraw cash from ATMs or retail outlets.
- QR Code Payments: Pay securely by scanning a QR code at participating retailers.
The app ensures that your financial commitments are met on time and with minimal effort.
2. Virtual Card Management
As online shopping continues to grow, FNB’s virtual card feature offers secure and convenient options:
- Create virtual cards for single or multiple-use transactions.
- Customise spending limits to control your budget.
- Freeze, unfreeze, or delete virtual cards instantly if compromised.
- Compatible with services like Takealot, Netflix, and Amazon.
This feature reduces the risk of fraud and ensures peace of mind when shopping online.
3. Biometric Security and Two-Factor Authentication
FNB’s cutting-edge security features ensure your account remains protected:
- Biometric Login: Access the app using fingerprint or facial recognition.
- Two-Factor Authentication: Confirm sensitive transactions with OTPs or app-based prompts.
- Smart Alerts: Get notified immediately of suspicious activities or login attempts.
These features ensure your banking experience is both seamless and secure.
4. Advanced Expense Tracking
The app’s expense tracking tools help you take control of your finances:
- Spending Categorisation: Automatically group transactions into categories like groceries, entertainment, and travel.
- Budgeting Tools: Set monthly budgets and get alerts when you approach or exceed limits.
- Custom Reports: Download detailed spending reports to review trends and identify areas for savings.
This feature is essential for users aiming to maintain financial discipline in 2025.
5. Comprehensive Car Management (nav>>Car)
All your vehicle needs in one place:
- Licence Disc Renewal: Renew your licence disc and have it delivered.
- Traffic Fine Payments: Pay outstanding fines directly through the app.
- Insurance: Get instant quotes and apply for comprehensive vehicle insurance.
- Loan Applications: Apply for car loans with pre-approval options.
- Fuel Efficiency Tips: Access customised advice to reduce your fuel consumption.
Say goodbye to long queues and multiple service providers for car-related tasks.
6. Real Estate Services (nav>>Home)
Navigate your property journey with ease:
- Find Properties: Browse and search for homes across South Africa.
- Sell Your Property: List properties for sale privately or through FNB agents.
- Apply for Home Loans: Get instant loan pre-approvals or switch your existing loan to FNB.
- Property Valuations: Receive free, accurate market valuations for your property.
The app simplifies homeownership, whether you’re buying, selling, or managing your property.
7. Personalised Savings Goals
Take control of your financial aspirations:
- Set multiple savings goals with specific timelines and targets.
- Automate deposits into your savings accounts.
- Track progress visually, ensuring motivation to reach milestones.
- Earn higher interest rates on goal-specific savings accounts, such as FNB’s GoalSave.
This feature helps users save effectively for holidays, education, or emergencies.
8. Financial Management and Coaching (nav>>Money)
FNB empowers users to make informed financial decisions:
- Credit Score Monitoring: Access your credit score and receive personalised advice to improve it.
- Asset and Liability Overview: Track your net worth with a real-time breakdown.
- Debt Management: Receive tips on reducing debt and managing repayments.
- Financial Coaching: Gain insights and tools to build long-term financial resilience.
This feature ensures that users can optimise their financial health in 2025 and beyond.
9. Forex and International Transactions
Handle cross-border financial needs effortlessly:
- Real-Time Forex Rates: View live exchange rates for major currencies.
- International Payments: Send money abroad quickly and securely.
- Currency Management: Hold and convert balances in multiple currencies.
- Travel Forex: Pre-order foreign currency for trips and collect it at select branches.
This is a must-have feature for businesses, frequent travellers, and expatriates.
10. Investment Management (nav>>Investments)
Stay on top of your investment portfolio:
- Consolidate local and global investments, including unit trusts, tax-free savings accounts, and retirement funds.
- View performance dashboards and growth trends.
- Access tools to rebalance your portfolio and optimise returns.
This feature empowers users to make smarter, data-driven investment decisions.
11. Wellness Tracking (nav>>Wellness)
The app promotes holistic well-being by integrating health management:
- Set health goals (e.g., daily steps or exercise targets).
- Track prescriptions and medication schedules.
- Join wellness challenges or events such as marathons and yoga sessions.
- Receive tailored recommendations for maintaining a healthy lifestyle.
12. eBucks Rewards
Enjoy unmatched benefits with South Africa’s leading rewards programme:
- Earn eBucks on purchases at partner retailers like Checkers, Dis-Chem, and Takealot.
- Redeem eBucks for groceries, fuel, travel, or gadgets.
- Access exclusive travel deals and discounts on flights and car rentals.
The app makes it easy to track rewards and optimise your spending.
13. Vouchers and Coupons
Never miss a deal with FNB’s voucher feature:
- Purchase vouchers for major retailers directly through the app.
- Redeem exclusive coupons for discounts on groceries, electronics, and more.
- Generate WiCodes for in-store use or gifting.
14. Real-Time Smart Notifications
Stay informed and in control with actionable updates:
- Get alerts for low balances, upcoming payments, or unusual activity.
- Customise notifications to receive updates only for what matters to you.
- Use smart notifications to approve or decline transactions instantly.
15. Comprehensive Insurance Management
Simplify your insurance needs:
- Access and manage policies for life, car, home, and travel insurance.
- File claims and track their status in real-time.
- Update beneficiaries or coverage options directly from the app.
Conclusion
In 2025, the FNB Mobile App is far more than a banking tool—it’s a lifestyle hub that integrates financial, personal, and wellness management into one platform. From handling everyday transactions to managing your investments and health, the app makes life simpler, smarter, and more efficient.
If you’re not already using these 15 features, you’re missing out on a world of convenience and value. Download the FNB Mobile App today and unlock its full potential!
