Quick Facts

• eBucks is South Africa’s leading banking rewards programme
• Free to join for FNB and RMB Private Bank customers
• Earn up to 30% back on groceries at Pick n Pay
• Get up to R8 per litre back on Engen fuel
• Over R10 billion paid out to members since 2000

What is eBucks?

eBucks is a rewards programme from First National Bank (FNB). When you use your FNB bank account and cards, you earn eBucks points. These points work like money. You can use them to pay for groceries, fuel, shopping, and many other things.

Think of it like this: every time you buy something with your FNB card, you get a small reward. The more you use your account properly, the bigger your rewards get.

How much is 1 eBuck worth?
1 eBuck = R0.10 (10 cents)
10 eBucks = R1.00
100 eBucks = R10.00
1,000 eBucks = R100.00

Since starting in 2000, eBucks has paid out over R10 billion to its members. It is South Africa’s most popular banking rewards programme.

Who Can Earn eBucks?

You can earn eBucks if you have one of these bank accounts:

• FNB Easy Account – For everyday banking
• FNB Easy Bundle – More benefits included
• FNB Aspire Account – Middle tier account
• FNB Premier Account – Premium banking
• FNB Private Clients – High net worth customers
• FNB Private Wealth – Very high net worth customers
• RMB Private Bank Accounts – Private banking customers
• FNB Business Accounts – For business owners

Important: You must be an FNB or RMB Private Bank customer. Other banks cannot earn eBucks. If you bank with Standard Bank, ABSA, Nedbank, or Capitec, you cannot earn eBucks.

✅ How to Register for eBucks

Registration is completely free. You do not pay any money to join eBucks. Here is how to register:

Method 1: Register on the FNB App (Easiest)

1. Download the FNB Banking App from Google Play or App Store
2. Log in with your FNB banking details
3. Look for the eBucks section on the home screen
4. Click “Register for eBucks”
5. Follow the simple steps
6. You will receive a welcome email

Method 2: Register Online

1. Go to www.ebucks.com
2. Click “Join eBucks”
3. Enter your ID number
4. Enter your FNB account details
5. Create your eBucks username and password
6. Choose a 4-digit PIN for your eBucks card

Method 3: Register by Phone

Call the eBucks Contact Centre: 087 320 3200
They will help you register over the phone.

What you need to register:

• Your South African ID number
• Your FNB account number
• Your cellphone number
• Access to your FNB Online Banking or FNB App

After you register, you can order your free eBucks card. This card lets you spend eBucks at stores like Pick n Pay and Engen.

Understanding Reward Levels

eBucks has 5 reward levels. Your level decides how much you earn. Level 1 earns the least. Level 5 earns the most.

How do you move up levels?
You earn “points” every month based on how you use your account. Different actions give you different points. The more points you get, the higher your level.

Points Required for Each Level (Premier Customers as of November 2025)

Reward Level	Points Needed	What You Earn
Level 1	0 – 2,499 points	Basic rewards
Level 2	2,500 – 4,999 points	Better rewards
Level 3	5,000 – 7,499 points	Good rewards
Level 4	7,500 – 10,999 points	Very good rewards
Level 5	11,000+ points	Best rewards possible

When is your level calculated?
FNB looks at your points around the 8th of every month. They check what you did during the previous month. Your new level then applies for the current month.

Ways to Earn eBucks in 2025

There are many ways to earn eBucks. The amounts you earn depend on your reward level and account type.

1. Shopping at Partner Stores

You earn eBucks when you shop at certain stores using your FNB card:

• Pick n Pay – Up to 30% back in eBucks (changed from Checkers in April 2025)
• Pick n Pay asap! – Up to 30% back on online deliveries
• Pick n Pay Clothing – Up to 20% back in eBucks
• Spar – Up to 15% back in eBucks
• Clicks – Up to 15% back on health and beauty
• Takealot – Earn extra eBucks on online purchases

2. Buying Fuel at Engen

Engen is the exclusive fuel partner for eBucks. You can earn up to R8 per litre back:

• Base earning: Up to R4 per litre when you use your FNB virtual card and have your car loaded on the FNB App (nav» Car)
• Extra R2 per litre: If you have a car loan with WesBank
• Extra R2 per litre: If you have car insurance with FNB

Maximum you can earn: R150 in eBucks (eB1,500) per month at Engen

3. Using the FNB App

You earn points just for using the FNB Banking App:

• Log in to the app at least once a month
• Make payments through the app
• Buy airtime and electricity on the app
• Use the app to pay bills

4. Using Your FNB Virtual Card

This is one of the best ways to earn more. A virtual card is a digital card on your phone:

• Create a free virtual card on the FNB App
• Add it to Google Pay, Apple Pay, or Samsung Pay
• Use it for 80% of your spending
• You earn bonus points and higher earn rates

5. Buying Airtime and Electricity

Earn up to 15% back when you buy:

• Prepaid airtime through FNB
• Prepaid electricity through FNB
• Data bundles
• FNB Connect contracts (up to 40% back)

6. Having Other FNB Products

You earn points for having:

• FNB savings accounts
• FNB investment accounts
• FNB life insurance (earn up to 15% back on premiums)
• WesBank car finance
• FNB home loan
• FNB credit card

7. Special Lifestyle Benefits

Depending on your account and level:

• Free Wimpy meal every 3 months (Level 3+)
• Complimentary Kauai and Starbucks vouchers
• Airport lounge access
• Discounts on online learning (Udemy courses)
• R50 off bus tickets with QuickBus

eBucks Partner Stores (November 2025)

You can earn and spend eBucks at these partners:

Groceries and Food

• Pick n Pay stores (in-store and online)
• Pick n Pay asap! (online delivery)
• Pick n Pay Clothing stores
• Spar stores
• Wimpy restaurants

Fuel

• Engen fuel stations (exclusive partner)

Health and Beauty

• Clicks stores and pharmacies

Online Shopping

• Takealot.com
• eBucks Shop (special discounts, up to 40% off)

Note About iStore

✅ How to Maximize Your eBucks Earnings

Here are the best tips to earn the most eBucks:

1. Use Your Virtual Card for Everything

Your virtual card earns more than your physical card. Create one on the FNB App and add it to your phone’s wallet. Try to use it for 80% of your spending.

2. Concentrate Your Grocery Shopping

Do all your grocery shopping at Pick n Pay. You can earn up to 30% back. Don’t spread your shopping across many stores.

3. Only Fill Up at Engen

Engen is the only fuel station where you earn eBucks. If you fill up elsewhere, you get nothing. Make Engen your regular fuel stop.

4. Load Your Car on the FNB App

Go to nav» Car in the FNB App and add your vehicle details. This unlocks higher fuel rewards at Engen.

5. Use the FNB App Often

Log in at least once a month. Use it to pay bills, buy airtime, and check your accounts. App usage earns you points.

6. Keep Your Accounts in Good Standing

Make sure your accounts are never overdrawn or in arrears. Accounts with problems don’t earn eBucks.

7. Consider Getting WesBank Car Finance

If you need a car loan, use WesBank (part of FirstRand like FNB). You earn extra points and better fuel rewards.

8. Buy Airtime and Electricity Through FNB

Don’t buy airtime at the shop or from street vendors. Buy it through the FNB App to earn up to 15% back.

9. Check Your eBucks Balance Regularly

Log in to see how many eBucks you have. Know your reward level. This helps you understand what’s working.

10. Take Advantage of Special Promotions

FNB often runs special eBucks campaigns. Watch for emails and app notifications about bonus earn opportunities.

🚨 Beware of eBucks Scams

Criminals target eBucks members with fake messages and websites. Here’s what you need to know to stay safe.

Common eBucks Scams

1. Fake “Unredeemed eBucks” Emails

Scammers send emails saying you have R42,000 or other large amounts of “unredeemed eBucks”. The email looks like it’s from eBucks. It asks you to click a link to claim your rewards.

What happens: The link takes you to a fake eBucks website. When you enter your login details, criminals steal them. They then access your real eBucks account and FNB banking.

2. SMS Phishing (Smishing)

You receive an SMS saying: “You have been rewarded with e3,000 (R300) for swiping your FNB card. Click here to validate.”

What happens: The link installs malware on your phone or takes you to a fake login page to steal your details.

3. Fake Security Update Messages

Messages claiming FNB needs you to “update your online records” or “verify your account” due to security issues or SIM swap concerns.

4. “Buy eBucks” Scams

Fake emails offering to sell you eBucks: “Your purchase for 100,000 eBucks was processed for R3,799. Click here to cancel if you didn’t authorize this.”

The truth: You cannot buy eBucks. You can only earn them. This is always a scam.

How to Spot a Scam

• Urgent language: “Your account will be suspended”, “Act now”, “24 hours only”
• Too good to be true: Large unredeemed amounts you didn’t know about
• Asking for login details: eBucks never asks you to confirm your password via email or SMS
• Suspicious links: URLs that don’t start with www.ebucks.com or www.fnb.co.za
• Poor grammar and spelling: Official FNB communications are professionally written
• Asking for OTP: Nobody should ask you for your One-Time PIN, ever

How to Protect Yourself

1. Never click links in unexpected emails or SMS – Type www.ebucks.com directly into your browser instead
2. Check your eBucks balance on the official app or website only
3. eBucks will never ask for your password or PIN via email or SMS
4. Never share your One-Time PIN (OTP) with anyone – Not even someone claiming to be from FNB
5. Enable two-factor authentication on your FNB account
6. Keep your cellphone number and email updated with FNB
7. Use the official FNB Banking App – Download only from Google Play or App Store
8. Report suspicious messages immediately to onlinefraud@ebucks.com

If You’ve Been Scammed

If you clicked on a suspicious link or shared your details:

1. Call FNB immediately: 087 575 9404 (24/7)
2. Call eBucks Contact Centre: 087 320 3200
3. Change all your passwords immediately
4. Check your account for unauthorized transactions
5. Report to SABRIC: 0860 123 000
6. Report to the police and get a case number

How to Check Your eBucks Balance

There are several ways to check how many eBucks you have:

Method 1: FNB Banking App (Easiest)

1. Open the FNB Banking App
2. Log in with your banking details
3. Look for the eBucks icon on the home screen
4. Your balance shows in eBucks (remember: eB10 = R1)

Method 2: eBucks Website

1. Go to www.ebucks.com
2. Log in with your eBucks username and password
3. Your balance appears on your dashboard

Method 3: SMS

SMS the word “balance” and your ID number to 32224

Cost: R1 per SMS

Method 4: Phone

Call the eBucks Contact Centre: 087 320 3200

Method 5: Cellphone Banking

Dial *120*321# and select “eBucks” from the menu

Frequently Asked Questions

Is eBucks free?

Yes. Registration is completely free. There are no fees to join or use eBucks.

Do eBucks expire?

Yes. eBucks expire 36 months (3 years) after you earn them. Use them before they expire.

Can I transfer my eBucks to someone else?

No. eBucks are personal and cannot be transferred to another person’s account.

Can I convert eBucks to cash?

You cannot withdraw eBucks as cash. However, you can use them to pay for groceries, fuel, and shopping, which saves you cash.

What if I don’t have an FNB account?

You must be an FNB or RMB Private Bank customer to earn eBucks. If you bank elsewhere, consider opening an FNB account.

Do I earn eBucks on EFT payments and debit orders?

No. EFTs, debit orders, cash withdrawals, and foreign exchange transactions do not earn eBucks.

Can business owners earn eBucks?

Yes. FNB has a special eBucks for Business programme. It works similarly to personal eBucks but for business accounts.

What happened to Checkers and Shoprite?

FNB ended its partnership with Shoprite and Checkers on 31 March 2025. Pick n Pay is now the main grocery partner.

eBucks is one of South Africa’s best banking rewards programmes. It truly rewards you for things you do anyway – buying groceries, filling up with fuel, and paying for airtime.

To get the most value:

• Register for free today if you’re an FNB customer
• Use your virtual card as much as possible
• Shop at Pick n Pay for all your groceries
• Fill up only at Engen fuel stations
• Load your car details on the FNB App
• Use the FNB App regularly for banking transactions
• Keep your accounts in good standing
• Work towards reaching Level 5 for maximum rewards

Stay safe: Always be alert for scam messages claiming you have unredeemed eBucks. When in doubt, contact FNB directly on 087 575 9404 or visit www.ebucks.com

With smart usage, many South Africans earn R500-R1,500 worth of eBucks every month. That’s real money saved on groceries, fuel, and essentials!