How to Deposit Money at an FNB ATM

If you want to deposit money to an FNB account but you don’t like visiting a branch to make the deposit, well try doing it at an FNB ATM (even without your card).

Depositing money at your nearest FNB (First National Bank) ATM is a simple task and can be done at any time of the day.  

To deposit money into an FNB ATM, first, locate your nearest ATM (with Deposit capabilities) and follow the steps below (Note, these steps are for depositing cash into your account):

  1. Insert your FNB card and enter your PIN.
  2. On the ‘Main Menu’ select ‘Make Deposit.’
  3. On the ‘Make Deposit’ screen select ‘Deposit Cash.’
  4. Three options will appear:
    1. ‘Deposit into My Account,
    2. ‘Key in FNB Account Number,’ and
    3. ‘Pay FNB Recipient.’
  5. Select option a (for this guide).
  6. In the ‘Select to Account’ menu select the account you want to deposit to.
  7. You will be required to enter a reference for the transaction and then press ‘Proceed.’
  8. The screen will ask you to make sure the details are correct and provide options for you to alter any mistakes made. Check that the details are correct.
  9. Press ‘Proceed’ to continue with the deposit.
  10. Enter your cell phone number and press ‘Proceed.’
  11. An ‘Attention’ prompt will appear on the screen; read the information carefully as the ATM may reject certain banknotes.
  12. A compartment will open up Infront of you. Place your cash in the compartment.
  13. Confirm the details after the cash is counted by pressing ‘Proceed.’
  14. The screen will inform you that the transaction was successful. You can choose to print a receipt or view a receipt, but that’s up to you.

And you are done! (A demo of the above steps can be found on FNB’s Demos page)

The above method is used for depositing money into your account. In the next section, I will guide you through depositing into an FNB account not linked to you.

Keep reading, and I will give you step-by-step instructions on depositing cash at the ATM without a card and at selected stores like Checkers.

Cautions to Consider When Making Cash Deposits at FNB ATM

Before you continue reading just familiarise yourself with the following info.

When making your cash deposits, your banknotes must NOT have:

  • Dye-Stains,
  • Folds or envelopes,
  • Staples, rubber bands, or paperclips, and
  • Coins.

Any money deposited before 9 pm will reflect immediately in the FNB account. Deposits after 9 pm will only reflect on the next business day.

Making a Deposit into Someone Else’s FNB Account

Now let’s say you want to deposit money into a different FNB account holder. The process is the same as above, up till step 4. Now you will select option ‘2’.  

You will need the recipient’s account number, cellphone number, and reference.

To deposit at an FNB ATM, follow these steps below:

  1. Select ‘Key in FNB Account Number.’
  2. Enter the recipient’s account number and press ‘Proceed.’
  3. Enter the name of the recipient and press ‘Proceed.’
  4. Enter the recipient’s phone number and press ‘Proceed.’
  5. Enter the reference requested by the recipient and press ‘Proceed.’
  6. Read the information on the screen about the condition of the notes.
  7. Press ‘Proceed,’ and the cash compartment will open for you to place the banknotes.
  8. Confirm the details on the screen are correct and press ‘Proceed.’
  9. The screen will inform you that the transaction was successful. You can choose to print a receipt or view a receipt, but that’s up to you.

And you are done!

But let’s say you left my card at home. What do you do now?

How to Deposit into FNB ATM without your Card

If you happen to leave your wallet at home, don’t stress. You can deposit with ‘Cardless Services’ at FNB ATMs.

The steps are like the above method (Making a Deposit into Someone Else’s FNB Account), but you will need the account number, cellphone number, and reference.

To make a cardless deposit, follow the steps below:

  1. At the ATM select ‘Cardless Services.’
  2. On the ‘Main Menu’ select ‘Deposit Cash.’
  3. Key in the account number and press ‘Proceed.’
  4. Enter your Name and press ‘Proceed.’
  5. Enter your cellphone number and press ‘Proceed.’
  6. Enter your reference and press ‘Proceed.’
  7. Take note of the conditions of banknotes (displayed on the screen) and press ‘Proceed.’
  8. Place cash (banknotes) in the opened compartment.
  9. Confirm the details on the ATM screen and press ‘Proceed’ if correct.
  10. You are done with the transaction, but the ATM will ask if you want a receipt, but that is up to you.

And you are done! (Here’s a video for a demo on the cardless method)

Making Deposits at Selected Stores

You can make cash deposits into your FNB account at a till point at the following stores:

  • Pick ‘n Pay (Including express, clothing, and liquor stores)
  • Checkers
  • Shoprite

The process of making the deposits is the same in all the above stores. You must visit one of these stores and make your way to a till point. At the till point do the following:

  1. Tell the cashier that you want to make a cash deposit.
  2. Insert your card (linked to your FNB account) into the card machine.
  3. Key in your PIN and follow the prompts on the card machine.
  4. Hand over the cash and the transaction should be done
  5. You will be given a receipt at the till noting the deposit you have made.

And you are done! (if you are unsure you can visit the Checkers, and Pick ‘n Pay sites for more info)

Consider that standard fee and limits to the amount deposited are applied at different stores. See the Table below for more info.

StoreDeposit LimitFees
Pick ‘n PayR5000 (The Sowetan)R19.95 (The Sowetan)
CheckersR3000 (Checkers)R19.95 (Checkers)
ShopriteR3000 (Shoprite)R19.95 (Shoprite)

Note that all the stores have a monthly limit of R25000 (

The one disadvantage is that you won’t be able to deposit money into another FNB recipient’s account unless they entrust their bank card with you. In that case, you will have to visit an FNB branch or make the deposit at the ATM.

Final Thoughts

Making a cash deposit can be a daunting task, but there is no way of depositing cash without leaving your home. ATM deposits are convenient, but you must consider which ATMs are safe and when you should make the deposit to avoid long queues.

Making deposits at selected stores is a convenient method, but you are limited to the amount you can deposit into your bank account. On the plus side the fees are cheaper (according to The Sowetan) compared to deposit fees at the ATM (see FNB Pricing Guide for your FNB account).

But what are your thoughts? Let us know in the comments below.

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