To open FNB Easy Zero, you need South African citizenship and a valid 13-digit ID number. The account has no monthly fee, but banking eligibility matters too.
Who can open Easy Zero, and how much money you can keep in the account
You need South African residence, a valid local cellphone number and no tax obligations abroad. Keep everyday funds here, but your balance can never exceed R14 000.
You must neither hold nor qualify for another FNB transactional account. Your positive balance earns no interest, even without a monthly account fee.
What cash costs, and how much you can move
From 1 July 2026 to 30 June 2027, branch card replacement costs R165. Non-FNB ATM withdrawals cost R12 plus R2.80 per R100 or part. FNB ATM cash deposits cost R1.80 per R100 or part.
FNB caps withdrawals, transfers and payments combined at R3 000 daily and R24 999 monthly. Account services become unavailable when limits are reached.
The requirements you need to meet for Easy Zero
You need to meet all these conditions to open your account.
- Be aged 18 or over.
- You neither hold nor qualify for another FNB transactional account.
- Be a resident South African citizen with a valid 13-digit ID.
- Have a valid South African cellphone number.
- Have no tax obligations outside South Africa.
Start your registration from your cellphone
- Dial *120*277# on your cellphone to start.
- On USSD, enter name, surname and 13-digit ID.
- FNB checks risk; it may ask for branch checks.
Your questions answered
Can I use Easy Zero for debit orders or payments from SARS?
No. Your account cannot process debit orders or receive payments from SARS, the South African Revenue Service.
Can I use my Easy Zero debit card for purchases outside South Africa?
No. FNB declines international spending. You also cannot use the card for online gambling or to buy foreign lottery tickets.
What does it cost to withdraw cash while shopping?
Cash@Till is R3 at participating shops. FNB ATM withdrawals cost R12 per R1 000 or part thereof from 1 July 2026 to 30 June 2027.
How can I keep track of my Easy Zero balance for free?
Check your balance through mobile or online banking at no charge. Your inContact notifications are also free.