Entry-Level Banking: FNB Easy Zero Vs Nedbank MiGoals 2026 - Fees and Benefits Unveiled
FNB Easy Zero and Nedbank MiGoals are both entry-level bank accounts aimed at keeping fees low. Verified against both banks' official 2026 pricing guides.
| Fee/feature | FNB Easy Zero | Nedbank MiGoals |
|---|---|---|
| Monthly account fee | R0 | R8 |
| ATM withdrawal, own bank | R12 per R1,000 | R12 per R1,000 |
| ATM withdrawal, other bank | R12 + R2.80 per R100 | R12 + R12 per R1,000 |
| Cash deposit | R1.80 per R100 (FNB ATM) | R2 per R100 (Nedbank ATM/Boxer till) |
| Digital payments (other bank) | R2 | R1 (PayShap to account: R10) |
| Linked savings pockets | Not offered on this account | Free MyPocket sub-accounts (up to 10) |
| Card swipes | Unlimited, free | Free at retail stores |
| Notable extras | Cash@Till R3; optional funeral cover from R50/month (up to R100,000) | Free Gold debit card; 50% Nu Metro discount; kids pay no fee (MiGoals4Kids) |
| Account limits | R3,000/day, R24,999/month spend, R14,000 max balance | Not capped in the same way |
The key difference
FNB Easy Zero has no monthly fee at all, but caps your balance at R14,000 and doesn't allow debit orders — it's built for basic transacting, not as your main account if you need debit orders or a higher balance. Nedbank MiGoals charges R8/month but throws in free savings pockets and no balance cap.
Which is better for you?
- Choose FNB Easy Zero if you want a genuinely fee-free account for basic spending and don't need debit orders or a balance above R14,000.
- Choose Nedbank MiGoals if you want built-in savings pockets and don't mind the small R8/month fee.
Compare more South African bank accounts before switching.
