FNB Branch Code Guide for South Africa
Everything you need to know about finding and using FNB branch codes
Last updated: December 2025
Quick Facts
- FNB Universal Branch Code: 250655
- Use for all EFT payments and online banking
- SWIFT Code for international transfers: FIRNZAJJ
- No fees to find or use your branch code
- Same code works for all account types
Table of Contents
What is a Branch Code?
A branch code is a 6-digit number that identifies a specific bank branch. FNB uses these codes to process electronic payments correctly. You need this code when making online payments or transfers.
Every FNB branch in South Africa has a unique code. However, FNB created a universal code for easier banking. This means you don’t need to remember different codes for different branches.
The branch code helps the bank know where to send your money. It ensures your payment reaches the correct account safely. Without the right code, your transaction may fail or be delayed.
✅ FNB Universal Branch Code: 250655
FNB’s universal branch code is 250655. You can use this code for any FNB transaction in South Africa. It works for all FNB branches across the country.
What You Can Use 250655 For:
- Electronic Fund Transfers (EFT)
- Debit order payments
- Online banking payments
- Direct deposits to FNB accounts
- Setting up beneficiaries
- Bill payments
- Salary deposits
Which Accounts Can Use the Universal Code?
The code 250655 works for all FNB account types. This includes savings accounts, cheque accounts, and business accounts. You don’t need different codes for different account types.
How to Find Your FNB Branch Code
There are several easy ways to find your FNB branch code. Choose the method that works best for you.
Method 1: Use the Universal Code
The easiest way is to use 250655 for all transactions. This code works everywhere in South Africa. You don’t need to look for your specific branch code.
Method 2: FNB Banking App
- Open the FNB Banking App on your phone
- Log in with your username and password
- Go to your account details section
- Look for “Branch Code” in your account information
- You will see 250655 listed as your branch code
Method 3: FNB Online Banking
- Log into www.fnb.co.za with your details
- Click on “Accounts” in the menu
- Select the account you want to check
- View your account details
- The branch code 250655 will be shown
Method 4: Bank Statement
Check any FNB bank statement you have received. The branch code appears near your account number. Look at the top of the statement for your account details.
Method 5: Cheque Book
If you have an FNB cheque book, look at the top. Your branch address and code are printed there. The 6-digit code will be at the end of the address.
Method 6: Contact FNB
Call FNB customer service at 087 575 1111. They can confirm your branch code. This service is available Monday to Friday 08:00 to 19:00.
When to Use the FNB Branch Code
| Transaction Type | Code to Use | Additional Info |
|---|---|---|
| EFT Payment | 250655 | For payments to any FNB account |
| Debit Order | 250655 | For setting up automatic payments |
| Salary Deposit | 250655 | Give this code to your employer |
| International Transfer | FIRNZAJJ | Use SWIFT code instead |
| Online Shopping | 250655 | When paying by bank transfer |
| Adding Beneficiary | 250655 | For saving payment details |
SWIFT Code for International Transfers
If someone overseas wants to send money to your FNB account, they need a SWIFT code. This is different from the branch code.
FNB SWIFT Code: FIRNZAJJ
This code identifies FNB to banks worldwide. Use it for all international money transfers to South Africa.
Information Needed for International Transfers:
- SWIFT Code: FIRNZAJJ
- Bank Name: First National Bank
- Branch Code: 250655
- Account Number: Your 10-11 digit FNB account number
- Account Holder Name: Your full name as registered with FNB
- Country: South Africa
🚨 Banking Scams to Avoid
Fraudsters use branch codes and banking information to steal money. Stay safe by knowing the common scams in South Africa.
Phishing Email Scams
Scammers send fake emails pretending to be from FNB. These emails ask you to click links and enter your banking details. FNB will NEVER ask for your password or PIN by email.
Vishing (Phone Call Scams)
Fraudsters call pretending to be from FNB’s fraud department. They claim your account has a problem. They ask for your PIN, password, or One-Time PIN (OTP).
SMS Scams (Smishing)
You receive an SMS claiming to be from FNB. It says you won money or your account is blocked. It includes a link to click.
Remote Access Scams
Scammers call and offer to install “security software” on your phone or computer. This software gives them control of your device. They can then access your banking details.
SIM Swap Fraud
Criminals get a new SIM card with your phone number. They then receive your banking OTPs. This lets them access your account.
Business Email Compromise (BEC)
Scammers pretend to be your boss or supplier. They send emails requesting urgent payments. The banking details they provide belong to the criminals.
Investment Scams (Ponzi Schemes)
Fraudsters promise high returns with no risk. They ask for your banking details to “deposit your profits.” These are scams to steal your money.
Remember These Safety Rules:
- FNB will NEVER ask for your PIN or password
- FNB will NEVER ask for your OTP
- FNB will NEVER ask you to install software
- FNB will NEVER send you links to click in emails or SMS
- Always verify suspicious requests by calling FNB directly
- Report scams immediately to 087 575 9444
⚠️ Common Mistakes to Avoid
Using the Wrong Code
Some people mix up branch codes from different banks. Always use 250655 for FNB accounts. Using another bank’s code will cause your payment to fail.
Not Verifying Account Details
Before sending money, confirm the account holder’s name. FNB Online Banking has a “Verify Owner” feature. Use it to check if the name matches the account number.
Sharing Branch Code with Scammers
The branch code itself is not secret. However, never give your account number, card details, or PIN to strangers. Scammers use these together to steal money.
Ignoring Failed Payments
If your payment fails, check your branch code first. An incorrect code is the most common reason for failed transfers. Always use 250655 for FNB.
Important FNB Contact Numbers
| Service | Contact Number | Hours |
|---|---|---|
| Customer Service | 087 575 1111 | Mon-Fri: 08:00-19:00 Sat: 08:00-13:00 |
| Fraud Helpline | 087 575 9444 | 24 hours / 7 days |
| Lost/Stolen Card | 087 575 9406 | 24 hours / 7 days |
| International (outside SA) | +27 11 369 2924 | 24 hours / 7 days |
| Secure Chat (App/Online) | Via FNB App or website | 24 hours / 7 days |
Frequently Asked Questions
Can I use 250655 for all FNB transactions?
Yes, you can use 250655 for all domestic South African transactions. This includes EFT payments, debit orders, and online banking. It works for all FNB account types.
What if I opened my account at a specific branch?
You can still use 250655 even if you opened your account at a specific branch. The universal code works for all FNB branches. Your old branch code is no longer needed.
Is there a fee to use the branch code?
No, there is no fee for using the branch code. However, EFT transfers may have transaction fees. These fees depend on your account type. Check your FNB account package for details.
Can someone steal money with just my branch code?
No, the branch code alone cannot be used to steal money. Criminals also need your account number, card details, PIN, or OTP. Never share these details with anyone.
How long do EFT payments take with the branch code?
EFT payments between FNB accounts are usually instant. Payments to other banks take 1-2 business days. Payments made after 15:00 or on weekends process the next business day.
What is the difference between branch code and account number?
The branch code (250655) identifies the bank and branch. Your account number (10-11 digits) identifies your specific account. You need both to receive money.
Can I use 250655 for international transfers?
No, use the SWIFT code FIRNZAJJ for international transfers. The branch code 250655 only works for payments within South Africa.
What happens if I use the wrong branch code?
Your payment will fail or be delayed. The money will usually return to your account within 3-5 business days. Always double-check the branch code before sending money.
Do I need different codes for business and personal accounts?
No, all FNB accounts use the same universal branch code 250655. This includes personal accounts, savings accounts, and business accounts.
Where can I verify if banking details are correct?
Use the “Verify Owner” feature in FNB Online Banking or the FNB App. This checks if the account name matches the account number before you send money.
✅ Safety Tips for Using Your Branch Code
✓ Always Verify Before Sending Money
Use FNB’s “Verify Owner” feature to check the account holder’s name. This prevents sending money to the wrong person or scammer.
✓ Save the Universal Code
Keep 250655 saved in your phone notes or contacts. This saves time when making payments online or setting up transfers.
✓ Check Your Bank Statements Regularly
Review your FNB statements every month. Report any unknown transactions immediately. Early detection prevents bigger losses.
✓ Use Secure Networks Only
Never use public WiFi to access your FNB account. Public networks are not secure. Use your mobile data or home WiFi instead.
✓ Enable Banking Notifications
Set up SMS or app notifications for all transactions. This alerts you immediately if someone uses your account without permission.
✓ Never Share Your PIN or OTP
Your PIN and One-Time PINs are for your use only. FNB will never ask for these. Anyone requesting them is a scammer.
Other South African Bank Universal Codes
If you need to send money to other banks, here are their universal codes:
| Standard Bank: | 051001 |
| ABSA: | 632005 |
| Nedbank: | 198765 |
| Capitec: | 470010 |
| African Bank: | 430000 |
Our Final Recommendations
The FNB universal branch code 250655 makes banking easier for everyone in South Africa. You don’t need to remember different codes for different branches. Just use 250655 for all your domestic transactions.
Save this code in your phone contacts as “FNB Branch Code: 250655”. This helps when you need to make payments or set up salary deposits. Always verify the account holder’s name before sending money.
Stay safe from scams by remembering: FNB will never ask for your PIN, password, or OTP. If anyone asks for these details, it’s a scam. Call the FNB fraud helpline immediately on 087 575 9444.
For international transfers, use the SWIFT code FIRNZAJJ instead of the branch code. Give overseas senders both the SWIFT code and your account details for successful transfers.
If you have any questions about your branch code or suspect fraud, contact FNB customer service on 087 575 1111. Their team can help you Monday to Friday from 08:00 to 19:00.
Your Consumer Rights
As an FNB customer, you have rights protected by South African law. Know your rights and where to complain if something goes wrong.
If You Have a Complaint:
- Contact FNB First: Call 087 575 1111 or use Secure Chat on the FNB App
- Escalate if Unresolved: Contact the National Financial Ombud at www.nfosa.co.za or call 0860 323 228
- Report Fraud: Contact the FNB Fraud Helpline on 087 575 9444 immediately
- Credit Issues: Contact the National Credit Regulator on 0860 627 627
Additional Help:
- Financial Sector Conduct Authority (FSCA): 0800 110 443 or www.fsca.co.za
- SABRIC (Banking Fraud): www.sabric.co.za
- South African Police Service (419 Fraud): 419scam@saps.org.za
Disclaimer: This information is provided for educational purposes and was last updated in December 2025. Financial regulations, fees, and requirements may change. Always verify current information with FNB directly before making financial decisions. The universal branch code 250655 is correct as of December 2025.
This article is not affiliated with First National Bank. For official information, visit www.fnb.co.za or call 087 575 1111.
For complaints or disputes, contact the National Financial Ombud (NFO) at 0860 323 228 or visit www.nfosa.co.za