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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.

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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.

FNB Preservation Funds

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

FNB Living Annuity

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

Draft a Will

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

Fixed Deposits

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

Invest with us & get more

Invest R2 000 000 or more with RMB Private Bank and your monthly transactional account fees will be waived. Plus, earn double eBucks reward level points on your investment.

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

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.

CREDIT CARD BENEFITS

Personalised interest rates

WHAT YOU GET FOR FREE

FREE prepaid airtime purchases

REWARD YOURSELF

Free eBucks Rewards membership

EASY TO MANAGE AND MAINTAIN

Free subscription to inContact.

UNLOCK MORE VALUE

Access convenience and unlock greater value.

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

Plus, you can earn eBucks reward level points when you invest with RMB Private bank T&Cs apply

* Rules apply.

LEAVING A LASTING LEGACY

We can help with guidance & support

We are here to provide advice and assistance on how to structure your affairs to ensure that you can leave behind the legacy that you have created. In addition we can assist you with a professionally drafted last Will and Testament, for free.

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

QUALIFYING CRITERIA

Access your Retirement Annuity and Preservation Fund before the age of 55. You can only retire from the age of 55 years.

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>Terms and conditions

HOW TO GET IT

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Qualifying criteria

Access your Retirement Annuity and Preservation Fund before the age of 55. You can only retire from the age of 55 years.

Retirement Annuity

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

Qualifying criteria

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

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

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

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

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

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

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

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.

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.
If you're 60 or over and enrolled in the Retirees Solution, you'll qualify for a preferential interest rate on a Fixed Deposit; higher than the standard seniors' rate, as part of the solution's enhanced benefits.
f you're 55 or over and not enrolled in the Retirees Solution, you'll qualify for the standard seniors' interest rate.

Suretyship lending is also available to you so you can:

Leverage the equity in your existing property to assist your child/children 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, while setting up your child as the borrower on the home loan

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RETIREMENT SOLUTIONS

ENSURE THAT YOUR WEALTH NEVER RETIRES

Enjoy access to a team of experts

Invest to achieve your retirement goals

FNB Retirement Annuity

FNB Preservation Funds

FNB Living Annuity

Draft a Will

Fixed Deposits

Invest with us & get more

We can assist you in purchasing a property

DOING MORE

with your everyday banking

BANK BETTER

CREDIT CARD BENEFITS

WHAT YOU GET FOR FREE

REWARD YOURSELF

EASY TO MANAGE AND MAINTAIN

UNLOCK MORE VALUE

With us you get rewarded in your retirement

LEAVING A LASTING LEGACY

We can help with guidance & support

GET STARTED

Retirement solutions

QUALIFYING CRITERIA

HOW TO GET IT

Qualifying criteria

Qualifying criteria

Bank better

Credit card benefits

What you get for free

Reward yourself

Easy to manage and maintain

Unlock more value

Living Annuity (LA)

Fixed deposits

Suretyship lending is also available to you so you can:

We can assist you in purchasing
a property