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1. FNB Channel Islands Service Suite


Phone numbers
SA local: 087 730 6010
International: +27 11 369 1500
UK international: +44 330 350 0213

The Service Suite operates within the following hours (UK operating times GMT+2):
Monday to Saturday 07h30 - 17h00
Sunday 09h00 - 12h00
South African public holidays 09h00 - 12h00

2. Payments and transfers


Payments and transfers

  • What is an electronic transfer / electronic payment?
    It is the exchange or transfer of money from one account to another within one bank or between banks using computers. SWIFT, Faster Payments and CHAPS are all types of electronic transfers
  • Payment methods applicable for payments within the UK, Guernsey, Jersey and Isle of Man
  • Faster Payments
    This is a UK payment service available via Online Banking or the FNB Channel Islands Service Suite; as long as the recipient bank is a member of the Faster Payments Scheme. You can make payments of up to £250 000 through Faster Payments. Most electronic payments sent through Faster Payments will arrive at the recipient bank on the same day, but this is not guaranteed. For details of the service, visit the Payments Council website.
  • CHAPS
    CHAPS is a payment service which clients can use to make payments of £250 000 or more. These payments can be made between 08:00 until 15:00, UK time (this excludes UK bank holidays) and are only available Monday to Friday. These payments can be made via the FNB Channel Islands Service Suite and the recipient bank must also be a member of CHAPS. For details of the service, visit the Payments Council website.
  • Standing Order
    A Standing Order, also known as a Scheduled Payment, is an instruction you give to your bank to pay a fixed amount to someone else on a regular basis. You can amend or cancel the Standing Order as and when you like and these can be set up via Online Banking or by phoning the FNB Channel Islands Service Suite. You will need to provide the following information when setting up a standing order:
    Account holder's name
    UK Sort Code
    UK account number
    Initial and regular amount
    Frequency
    Payment reference
    Where applicable, an end date for payments or number of payments
    Whether payments will escalate by a certain amount/ percentage annually
  • Forex / International Payments
    SWIFT payments

    SWIFT payments are a type of international transfer sent via the SWIFT International Payment Network. These types of payments are applicable if you are paying someone outside of the UK (South Africa included). Forex / International payments are made via SWIFT.

What are the payments turnaround times?

  • CHAPS - this is same day processing but it is only available Monday to Friday, 08:00 until 15:00 (UK time - excluding bank holidays)
  • Faster Payments - if these payments are done via Online Banking (www.fnbci.co.uk) they will be processed on the same day. If they are processed through the Service Suite, they will be released the following day. It is advised that clients use Online Banking (www.fnbci.co.uk)
  • Forex / International payments - Payments usually take around 3 - 5 working days.
  • UK Sort Code
    The UK Sort Code, which is a six-digit number, identifies both the bank and the branch where an account is held. The UK Sort Code for FNB Channel Islands is 406440.
  • What is an IBAN and where can I find it?
    IBAN stands for International Bank Account Number, and may be used when making or receiving international payments. IBAN does not replace your sort code and account number - it is a unique number that contains extra information to help international banks identify your account for payments. You can find your IBAN on your statement or by contacting the FNB Channel Islands Service Suite.
  • Swift code / BIC Code
    A SWIFT Code (or SWIFT BIC) is a code that helps international banks identify which bank to send money to. The SWIFT Code/ BIC Code for FNB Channel Islands is FIRNGGSPXXX.

3. Debit Card


How can I change my Debit Card pin?

You can change your PIN on Online Banking and you will then have to synchronise your new PIN. You can synchronise your new PIN on any ATMs with the MasterCard logo.

What are the applicable daily card limits?

  • Local ATM default limit - £1 000
  • International ATM default limit - £1 000
  • Local purchases default limit - £25 000
  • International purchases default limit - £25 000
  • You can change these limits on Online Banking or by contacting the FNB Channel Islands Service Suite

How do I withdraw funds from my account?

You can swipe/ withdraw funds from your FNB Channel Islands Current Account by using the MasterCard Debit Card at any ATM with the MasterCard logo - the Debit Card is only available with the FNB Channel Islands Current Account.

Can I get a secondary card?

No, secondary cards in non-account holder's name are not permitted for FNB Channel Islands.

4. Current account


Is there interest paid on the FNB Channel Islands current account?

Yes, interest is paid on the current account. For rates please refer to https://www.fnbci.co.uk/rates-pricing/individualInterestRates.html

In what currencies is the FNB Channel Islands current account available in?

The account is available in GBP (£) only.

Can I load a debit order on my current account?

No, debit orders are not yet available. Alternatively, you can load a scheduled payment on your account via Online Banking ( www.fnbci.co.uk ) or by phoning the FNB Channel Islands Service Suite: UK (international) +44 330 350 0213, SA (local) 087 730 6010, SA (international) +2711 369 1500.

Do I get a cheque book with my current account?

Cheque Books are not available with the FNB Channel Islands Current Account.

Can I load a schedule payment from my South Africa account into my FNB Channel Islands account and vice versa?

No, A Forex payment will need to be loaded on your fnb.co.za profile, as your South African account is in a different currency to your FNB Channel Islands account.

5. Online Banking


Will the FNB Channel Islands Online Banking ( www.fnbci.co.uk ) have the same functionality as RMB Private Bank / FNB?

Yes, the functionality is the same as what you are currently using on FNB/ RMB Private Bank - it is a fully fledged Online Banking platform with the same functionality as what you are used to.

How do I apply for Online banking as a new customer?

If you are applying for a new account through www.fnbci.co.uk , you will be able to register for Online Banking during the application process. If you did not apply for your account through www.fnbci.co.uk , you can register for Online Banking through the self registration process on www.fnbci.co.uk and follow the screen prompts. Before you can start using Online Banking, you need to activate it first.

How do I activate my Online Banking?

Once you are registered to use Online Banking, you can contact the FNB Channel Islands Service Suite to activate your Online Banking. FNB Channel Islands Service Suite contact details are UK (International) +44 330 350 0213, SA (Local) 087 730 6010, SA (International) +2711 369 1500.

What is OTP?

OTP stands for One Time Pin. OTPs are created and sent to your mobile number and / or your email address from time to time when you make certain amendments to your FNB Channel Islands accounts or your profile or when you make payments. This is in place for security measures.

Where can I find Online Banking terms and conditions?

You can find the Remote Banking Terms and Conditions at www.fnbci.co.uk .

What should I do if I suspect fraud on my Online Banking?

Immediately phone the Service Suite on SA Local: 087 730 6010, SA International: +27 11 369 1500, UK International: +44 330 350 0213 and report the fraud. As soon as you receive your statements and inContact messages as well, check them and report any fraud as soon as possible to the FNB Channel Islands Service Suite.

How do I link my SA FNB/ RMB Private Bank Online Banking to FNB Channel Islands Online Banking?

The next time you log into your Online Banking profile you will be able to see your FNB Channel Islands Accounts under my Bank Accounts.

  1. You will select Online Banking settings
  2. You will select linked profiles
  3. Click the add link at the bottom of the page
  4. You will be required to enter your FNB Channel Islands Online Banking login details
  5. And profiles will be linked.

The next time you log into your Online Banking profile you will be able to see your FNB Channel Islands Accounts on your FNB Online Banking under my Bank Accounts. The same process will apply should you wish to delink the view/ Online Banking for South Africa FNB/ RMB Private Bank and FNB Channel Islands.

What are the applicable Online Banking default limits?

The default daily Online Banking limits are £30 000 for daily payments and £55 000 for daily transfers.

6. Savings accounts


How can I request my interest certificate?

You can obtain your interest certificate by phoning the FNB Channel Islands Service Suite on:
UK (International) +44 330 350 0213
SA (Local) 087 730 6010
SA (International) +2711 369 1500

How do I access my funds?

If you hold a 32 Day Notice Account, you will need to provide 32 days notice before you can access your funds. If you hold a 3, 6 and 12 Fixed Deposit Account, you will not be able to access your funds during the term of the deposit, funds will be available for withdrawal or re investment once the investment term is up. Funds on the FNB Channel Islands Call Account can be accessed via the FNB Channel Islands Online Banking.

Please note that you are required to open a FNB Channel Islands Current Account or FNB Channel Islands Call Account in GBP when opening a GBP Fixed Deposit / 32 Day Notice account. Similarly, you are required to open a FNB Channel Islands Call Account in the same currency as your USD or EUR Fixed Deposit / Notice Deposit Account. This is in order for your funds to be paid out on maturity, or should you wish for your interest to be paid out monthly into another account or else it will capitalise and be paid into the Fixed / Notice Account at the end of the notice / fixed period.

What can I do when my funds mature?

Funds that fall due or mature out of a 32 Day Notice Account or Fixed Deposit Account may be reinvested, or may be paid into a FNB Channel Islands Current account/ FNB Channel Islands Call account of the same currency.

What currencies are the Savings and Investment accounts available in?

These accounts are available in GBP(£), USD($) and EUR (€).

What does AER and Gross rate mean?

Gross rate means that interest is paid without tax deducted and AER (or Annual Equivalent Rate) refers to interest earned over the course of the year, if interest was paid and compounded once a year.

Where can I find the terms and conditions of my account?

The terms and conditions of your account can be found on www.fnbci.co.uk.

Open a FNB Channel Islands Call/Current Account in USD/EUR when opening a USD/EUR Notice/Fixed Deposit Account in order for your funds to be paid out when notice is placed, on maturity or should you wish for you interest to be paid out monthly

7. Account opening


What documents do I need to open an FNB Channel Island account?

To open an FNB Channel Islands account you will need:

  1. Proof of Identification: RSA Green Bar Coded ID/ Smart ID Card (For SA clients)/ Passport (for all other clients).
  2. All copies must be certified and have the following wording "certified as a true copy of the original and true likeness of the individual"
  3. Proof of Address (Not more than 3 months old)
    All copies must state that the document is a complete and accurate copy of the original.
    The following are examples of what is acceptable:
    • An original bank statement (Note: we do not accept bank statements from the FirstRand Banking Group) addressed to the individual at the permanent residential address they have stated.
    • An original utilities bill addressed to the individual at their permanent residential address they have stated on the application form (mobile/cell phone bills not accepted).
    • Telephone directory for the locality from which the individual is from and showing the address provided by them.
    • A confirmation from a suitable certifier (see definition below), which is regulated by a regulatory body.
    • Documents addressed to a PO Box are not acceptable, unless the residential address is also included
    • Your FNB/RMB Private Bank Banker may also complete a site visit form to confirm that they have been to your residence and this will suffice as proof of address.
  4. Documents must be certified by a suitable certifier
  5. Proof of source of funds/wealth. It is a regulatory requirement that the source of wealth and funds for all applicants be validated. Your FNB/RMB Private Bank Banker may also complete a Source of Funds and Wealth Declaration to confirm that they know how your wealth/ funds has been generated.
  6. Examples of acceptable documents are outlines in the FNBCI Application Form.

Who is considered a suitable certifier?

A suitable certifier is anyone from the following professions:
A lawyer, Accountant holding a recognized professional qualification, an actuary, a director, officer, manager of a regulated financial service business operating in an equivalent jurisdiction, a member of the judiciary, a senior civil servant, an Embassy, consulate or High Commission of the country of issue of documentary evidence of identity, a FirstRand Group company director, officer or manager. The certifier should not be closely related to the person whose identity is being certified.

Will I need to resubmit my documents if I am applying for an additional FNB Channel Islands product?

If your address/ your wealth profile has changed, then you will need to resubmit the documents.

Can I open a joint account?

No, joint accounts are not currently available.

Open a FNB Channel Islands Call/Current Account in USD/EUR when opening a USD/EUR Notice/Fixed Deposit Account in order for your funds to be paid out when notice is placed, on maturity or should you wish for you interest to be paid out monthly. For more information regarding the documents required to open a FNB Channel Islands account, please refer to the required documents

8. Deposits


Can I deposit a cheque into my FNB Channel Islands Account?

Yes, provided that the cheque is made payable to you and it is in GBP (£), you will need to post the cheque to the following address:

Branch postal address:

FNB Channel Islands
PO box 602
La Plaiderie House
La Plaiderie
St. Peter Port
Guernsey
GY1 4NL
Channel Islands

Enclose the following details with the cheque:
UK account number
Account holder name and surname

Once the cheque has been deposited, please allow for a 7 working day turnaround time for it to be cleared.

Please note that FNB Channel Islands cannot be held responsible for delays caused by postal services.

9. Forex


Are there exchange controls I need to be aware of in Guernsey?

No, there are no exchange controls in Guernsey and currencies are freely transferable once your money is in FNB Channel Islands. However, exchange controls may exist in the country where you reside.

10. Is my money protected?


Depositor Compensation Scheme

FNB Channel Islands is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for 'qualifying deposits' up to £ 50,000, subject to certain limitations. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details are available on the Scheme's website www.dcs.gg or on request.

11. Can I appoint someone to manage my FNB Channel Islands account?


No, you cannot appoint someone to manage your accounts on your behalf. You can manage your accounts via Online Banking 24/7 or via the FNB Channel Islands Service Suite.

12. Where can I obtain my account statements?


You can view, recreate and save statements on Online Banking ( www.fnbci.co.uk ) free of charge. You will be able to get interim and historic statements. You can also contact the FNB Channel Islands Service Suite; they will be able to email you the statements.

  • UK (international) +44 330 350 0213
  • SA (local) 087 730 6010
  • SA (international) +2711 369 1500

13. What is inContact?


inContact is an automatic notification sent by the Bank to advise you of certain activities on your account - for example, when you login to your Online Banking profile ( www.fnbci.co.uk ) , or when certain transactions are processed to your account (purchases, when you make online payments/ transfers etc).

14. Where can I find out about my bank charges?


You can find a pricing guide for FNB Channel Islands on the website www.fnbci.co.uk.

15. Where can I find my account number?


Your account number can be found by login on Online Banking ( www.fnbci.co.uk. ) under my bank accounts tab or on your account statement or alternatively by phoning the FNB Channel Islands Service Suite.

16. Is interest earned from FNB Channel Islands taxable?


Please check the laws of the country(ies) in which you are tax resident for the tax treatment of interest earned or consult your tax practitioner for more information

Leading-edge thinking


There are many reasons why Guernsey was chosen as a natural destination for FNB's suite of offshore banking options. Backed by sound regulation and banking practices, Guernsey remains one of the world's leading financial centres. As an FNB Channel Islands client, you can expect the same leading-edge thinking when it comes to your offshore banking portfolio.

With FNB Channel Islands, you get the benefit of a bank that is constantly innovating, evolving and taking advantage of new opportunities, but with tried and tested banking structures and strategies.

Convenient + accessible


Experience a world of convenience with offshore banking via our Digital Platforms. You can view and transact on your FNB Channel Islands accounts at any time, from anywhere in the world, by logging onto your online banking profile through www.fnbci.co.uk .

Deposit Compensation Scheme


FNB Channel Islands is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for 'qualifying deposits' up to £ 50,000, subject to certain limitations. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details are available on the Scheme's website www.dcs.gg or on request.

About us


Welcome to FNB Channel Islands

Having a transactional partner with the skills and experience to guide you and your wealth as you journey offshore is essential. Find a secure home for your wealth in the Channel Islands, the Guernsey Branch of FirstRand Bank Limited.

Who we are


Transact from a home away from home


FNB Channel Islands is the Guernsey Branch of FirstRand Bank Limited, a wholly owned subsidiary of FirstRand Limited, and one of the largest financial institutions on the African continent. FirstRand Bank Limited is listed on the Johannesburg and Namibian Stock Exchanges, provides a comprehensive range of retail, commercial, corporate and investment banking services across Africa, and offers niche products in certain international markets.

Guernsey is one of the leading international financial centres in the world. Located in the Gulf of St Malo, approximately 120 kilometres south of England and 50 kilometres west of Northern France, Guernsey is an island with a centuries-old history of being self-governing and politically and economically stable. The first bank opened there in 1822 and today Guernsey's mature banking sector is host to subsidiaries of International banking groups with head offices in Switzerland, Europe, USA, South Africa, the United Kingdom and a number of other international locations. With its hard won reputation for regulatory excellence, a skilled workforce, their speed of decision making and availability of professional support services, Guernsey is the perfect destination to extend your international banking portfolio.

 

Benefits of banking with FNB Channel Islands


Leading-edge thinking

Highly developed business support structures makes it quick and easy to carry out business

Read more

Convenient + accessible

View and transact on your FNB Channel Islands accounts at any time, from anywhere in the world

Read more

Deposit Compensation Scheme

Compensation in the event that a Licensed Bank is unable to repay its depositors

Read more

Joining us made easy


FNB Channel Islands

Qualifying criteria

You need to be 18 years or older

How to get it

Join us

Other ways to apply

FNB Channel Islands

  • UK (international):
    +44 330 350 0213
  • SA (local):
    087 730 6010
  • SA (international):
    +2711 369 1500
  • Contact your Private Banker
  • Not an existing FirstRand customer? Please contact the FNB Channel Islands Service Suite for more information

Documents needed

  • South African ID (for SA citizens) or smart ID card
  • Proof of residence (not older than 3 months)
  • Completed application form
  • Completed Source of Wealth Document

View required documents

View our pricing guide