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RETIREMENT SOLUTIONS

Ensure that your wealth never retires

Life changes as you retire and your financial needs become increasingly complex, requiring holistic engagement and investment advice.

Enjoy the benefits of a solution designed for your unique needs, post retirement.

Get 1% back in eBucks when you switch your retirement savings to us.

Call me back
Find out more

Enjoy access to a team of experts

Now you can easily access financial advice with our team of specialists who are able to view your financial position holistically, giving you the ability to stretch your investment returns and help you to make the most out of your wealth.

Invest to achieve your
retirement goals

You may receive a lump-sum payout from your retirement savings when you retire. Let us help you manage your investments to ensure you have sufficient income over the upcoming years, allowing you to enjoy your retirement.

FNB Retirement Annuity

We can help you save
towards retirement
with our FNB
Retirement Annuity
(RA) to ensure you
have sufficient
income over your
retirement years.
Read more

FNB Preservation Funds

Preserve your
retirement savings
and earn tax-free
investment returns.
Read more

FNB Living Annuity

Easily invest your
money that was
saved in a pension,
provident,
preservation or
retirement annuity
fund.
Read more

Draft a Will

Manage assets for
your life and legacy
by drafting a
Will with FNB.
Read more

Fixed Deposits

Cash investments are an important part
of a diversified investment portfolio
given that the capital and returns are
100% guaranteed.
Read more

Invest with us & get more

Bring your investments to RMB
Private Bank and we will reduce
or remove your monthly transactional
account fees.
PLUS: Earn double eBucks reward
level points when you invest with
RMB Private Bank
Invest R1,000,000 and get 50% off
your monthly account fee, or invest
R2,000,000 and get 100% off.

We can assist you in purchasing a property

  • Get up to 100% loan to the value of the mortgage finance
  • Preferential interest rate on your mortgage
  • Receive a discount on bond registration attorney fees
Read more

DOING MORE

with your everyday banking

In addition to banking for free when you invest with us, you also receive the benefits from your RMB Private Bank Fusion and RMB Private Bank Cheque Accounts.

BANK BETTER

Maintain your everyday banking needs.
Read more

CREDIT CARD BENEFITS

Personalised interest rates
Read more

WHAT YOU GET FOR FREE

FREE prepaid airtime purchases
Read more

REWARD YOURSELF

Free eBucks Rewards membership
Read more

EASY TO MANAGE AND MAINTAIN

Free subscription to inContact.
Read more

UNLOCK MORE VALUE

Access convenience and unlock greater value.
Read more

With us you get rewarded in your retirement

Our rewards programme has been tailored to suit the changing needs of our retired clients. Working together with key eBucks partners, you will have access to a focused rewards programme and superior benefits, allowing you to make the most out of your rewards.


>Find out more

We can help with guidance & support

Let our team of expert executors minimise the stress associated with settling your estate by guiding and supporting your family through the complex deceased estate administration process at a discounted fee*.
 
*Based on an assessment of your assets and complexity of your estate.

GET STARTED

Retirement solutions

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Qualifying criteria

>Terms and conditions
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We can assist you in purchasing a property

  • Get up to 100% loan to the value of the mortgage finance
  • Preferential interest rate on your mortgage
  • Receive a discount on bond registration attorney fees
  • No early settlement fees on bond cancellation where your property has been financed through RMB Private Bank for 3 years or longer
  • Receive 50% of your first basic monthly instalment back in eBucks on your home loan when you apply directly with RMB Private Bank.
>Suretyship lending
X

Bank better

  • Deposit and access your funds to pay for your debit orders, payments and cash needs
  • Free unlimited card purchases (swipes or tap - contactless payments)
  • Get up to 30 days interest free on your RMB Private Bank Fusion Credit Card purchases
  • Free payments and transfers (RMB Private Bank App, Online Banking, Cellphone Banking)
  • Personalised interest rates on your facility
X

Credit card benefits

  • Up to 55 days interest free on credit card purchases made on the straight facility
  • Personalised/preferential interest rates
  • Cover for those unexpected medical expenses by having the option to move these transactions to budget, over 6 months, at a promotional interest rate of prime
  • Autopayment options are available
X
 

What you get for free

  • FREE prepaid airtime purchases using the RMB Private Bank App and Online Banking
  • FREE Comprehensive Global Travel Insurance when you purchase return air tickets with your RMB Private Bank Fusion or Credit Card
  • FREE Automatic Debt Protection in the event of death or permanent disability on your credit card
  • FREE budget facility of up to 60 months with the option to structure your credit between straight and budget on your credit card
X

Reward yourself

  • Free eBucks Rewards membership
  • Access exclusive promotional interest rates on Apple devices, Cycle Lab and The Pro Shop hardware on your credit card
X
 

Easy to manage and maintain

  • Free subscription to inContact, get notified of funds going in and out of your account
  • Transact safely and conveniently, on the RMB Private Bank App and Online Banking
  • Use the RMB Private Bank App to increase or decrease your credit facility limit, temporarily block your card or manage your card
X

Unlock more value

  • Access to convenient help any time via Secure Chat® and a dedicated Service Suite or Private Bank Advisor to help manage your money
  • Access nav» Money on the RMB Private Bank App to keep track of your money
  • Access to Wellness Benefits via nav» Wellness on the RMB Private Bank App
X

Living Annuity (LA)

  • Easily invest your money that was saved in a pension, provident, preservation or retirement fund
  • Structure your retirement to suit your specific income needs choosing to receive an income of between 2.5% and 17.5% p.a.
  • Continue participating in the market after retirement
  • All capital gains, dividends and interest earned is tax free however, tax is paid on the income drawn from your LA at your marginal tax rate.
X

Fixed deposits

  • Cash investments are an important part of a diversified investment portfolio given that the capital and returns are 100% guaranteed.
  • Fixed deposits are popular among retirees since your cash can be invested over a longer term, guaranteeing both capital and growth, so your investment remains safe and continues to grow.
  • Investors know in advance the amount of interest they will earn, providing peace of mind.
  • The interest rates increase the higher the amount invested and the longer the term, so returns can be optimised.
  • Preferential interest rates are paid on your fixed deposits of 12 months and longer, provided you hold a qualifying cheque account, which could add a significant amount in interest returns, to ensure investment growth or monthly income supplements in uncertain times.
  • You can opt to have the monthly interest paid out to supplement your income and to have cash available for emergencies.
X
 

Suretyship lending is also available to you so you can:

  • Leverage the equity in your existing property to assist your child or a third-party purchase a property, by standing surety on the home loan
  • Leverage the equity in your existing property by standing as surety to gain access to finance, with a third party as the borrower on the home loan
X
 

With us you get rewarded in your retirement

Our rewards programme has been tailored to suit the changing needs of our retired clients. Working together with key eBucks partners, you will have access to a focused rewards programme and superior benefits, allowing you to make the most out of your rewards.
 
Save with great discounts
  • Earn eBucks for doing everyday things.
  • Get discounts of up to 40% on selected products and vouchers including up to 15% back with Clicks
Use your eBucks on just about anything
  • Spend your eBucks to shop at the eBucks shop or with our partners
Earn eBucks when making purchases. Plus, earn double eBucks points when you invest with RMB Private Bank*.
 
* Rules apply.
X

Qualifying criteria

    Access your Retirement Annuity and Preservation Fund before the age of 55. You can only retire from the age of 55 years.
     
    FNB Multi Manager Income Fund
  • R300 per month or R5 000 lump sum
  • Service is available to all potential and existing FNB clients
    •  
    Pension and Provident Preservation Plan
  • R50 000 minimum investment
  • Transfer from an existing preservation fund to an FNB Preservation Fund
  • Transfer from an employer fund upon resignation to an FNB Preservation Fund
    •  
    Living Annuity
  • You must be retired and have an existing living annuity to transfer
  • Planning to retire and have retirement savings to transfer into a living annuity
    •  
RMB Private Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).