One of the biggest myths about FNB’s eBucks Rewards programme is that it rewards how much you spend, when in reality, it’s designed to reward how you bank, encouraging smart financial behaviour. And, in a year where groceries, fuel and data costs keep climbing, South Africans are looking for new ways to stretch every rand they make.If you’re an FNB customer, one of those ways is closer than you think. It’s right inside your FNB Banking App where one of the smartest ways to unlock real value is by moving up an eBucks Rewards level based on the required banking behaviour. You just need to bank smarter. “We’ve seen that the customers who benefit most aren’t necessarily the highest earners,” Pieter Woodhatch CEO of eBucks Rewards. “They’re the ones who make simple, consistent choices, like paying their bills digitally, using their FNB Virtual Card when transacting, or keeping an emergency fund going. And that’s what the eBucks programme is designed to reward … smart banking behaviour.”We’ve seen that the customers who benefit most aren’t necessarily the highest earners. They’re the ones who make simple, consistent choices … and that’s what the eBucks programme is designed to reward … smart banking behaviour— Pieter Woodhatch, CEO of eBucks RewardsFor millions of FNB customers, eBucks Rewards has become a trusted financial ally. Since the program began in October 2000, more than R24bn has been paid out in rewards. This year, the bank will pay out more than ever before.The eBucks Rewards team’s core objective is to ensure that customers have access to meaningful rewards. That’s why it’s designed its rewards structure to offer good value across all levels, even for customers with limited product take-up on reward level 3. Customers who reach level 3 unlock significant value, as shown in the following table. For those who engage more deeply with FNB’s products and services, the rewards increase substantially, creating a strong incentive for higher engagement.In short: more engagement = more rewards, but everyone gets access to value.Annual value to customerLevel 1Level 2Level 3Level 4Level 5PremierR17,819R22,091R28,655R37,307R58,727Private ClientR26,767R36,037R50, 017R68, 257R115,387Private WealthR90,835R107,563R131,239R162,667R240,847Here’s how to move up an eBucks level and more, regardless of your FNB account type:1. Track your progress with the FNB App. The Track My Rewards feature in the FNB App outlines the behaviours required to move up a level. This includes insurance, bill payment and savings growth. You can close any gaps by checking it every month. Following these prompts has helped many customers to reach the next level in just two months. Pay your bills through the FNB AppIt’s one of the easiest ways to earn reward-level points. If you want to earn eBucks when you pay bills, you need to be a member of a rewards level and you have to use FNB Pay Bills. “We built eBucks around everyday behaviour,” Says Woodhatch “When customers manage payments digitally, they’re already earning more without spending more.”3. Keep your credit score in greenMaintaining an excellent credit record will enable you to earn eBucks each month. Use nav» Money in the App to track your score, pay debts on time and avoid excessive borrowing. It’s one of the most consistent ways to climb the ladder.4. Saving or investing, every bit counts. Depending on the type of FNB account you have, you can earn 1,000 points per month if your savings increase by at least R1,400 each month. Scheduled Transfers after payday are recommended. You’ll hardly notice it, but your rewards will grow.5. Join your FNB InsuranceHolding an eligible FNB Life Customised Funeral or Estate Protector policy can earn you 3,500 points per month. “We’ve increased recognition for customers who protect the legacy they are building,” Says Woodhatch “Insurance, like saving, is part of healthy financial behaviour.”6. Spend smart to earn more where it matterseBucks still partners with top retailers and service brands across the country, but here’s the distinction:Your banking behaviour (transacting, saving, insuring, investing etc.) helps you move up levels.Your partner spend helps you maximise value once you’re there.Once you reach higher levels, your shopping becomes even more rewarding when you meet the qualifying criteria:Up to 30% back at Pick n Pay, Clicks, ARC, Takealot and Superbalist.Up to R8 per litre in eBucks when you refuel at Engen.Special travel and lifestyle offers on the FNB App around eBucks PayDay (the 15th of each month).Up to 80% off travel.Remember to always pay with your FNB Virtual Card to maximise your rewards.7. Automate your good habits. A few simple automations will keep you at the top of the level. Schedule a savings transfer after your payday. Set a reminder on your FNB app to check the Track My Reward tab every month. Use your Virtual Card to pay for recurring costs like fuel, groceries, data and online spending. Automation takes the burden off your mind and allows you to earn consistently. Celebrate eBucks paydayOn the 15th every month, your eBucks will be credited to your account. This day is used by many customers to shop for essentials, redeem for travel or plan their shopping. “We introduced eBucks PayDay to create a moment of reward and consistency,” Says Woodhatch “It shows customers that good financial behaviour pays off, literally.”9. Do a quick check on your banking behaviour before month-endSave and invest your money to prepare for emergencies and build wealth:Protect your assets with adequate insurance.Transact safely via digital banking.Borrow responsibly with suitable lending products from FNB.Those simple steps ensure you don’t lose progress heading into the next rewards cycle.You don’t need to earn more to live better. Use what you have consistently and wisely. That’s the essence of eBucks rewards— Pieter Woodhatch, CEO of eBucks RewardsHigher eBucks levels unlock more eBucks monthly and higher eBucks Travel and eBucks Shop discounts that give you more room in your monthly budget. In tough economic times, that’s not a perk — it’s a financial strategy.“You don’t need to earn more to live better,” Says Woodhatch “You just need to use what you already have wisely and consistently. That’s the essence of eBucks rewards.”This article was sponsored FNB.
2025-10-27 06:25:58
nine ways to level up your FNB eBucks Rewards
