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FNB 32 Day Flexi Notice Account Review 2023

FNB 32-day account interest rates

The FNB 32-Day Flexi Notice Account is a savings account that offers a range of features and benefits designed to meet the needs of South African consumers. With a competitive interest rate, a low minimum opening deposit, and the flexibility to access your funds at any time, this account has a lot to offer. In this review, we’ll take an objective look at the pros and cons of this account to help you determine whether it is the right fit for you.

FNB 32-day account interest rates 2023

AmountNominal Interest Rate (per annum)Annual Effective Rate
R1 000 – R4 9996.25%6.43%
R5 000 – R9 9996.25%6.43%
R10 000 – R19 9996.25%6.43%
R20 000 – R29 9996.65%6.86%
R30 000 – R39 9996.75%6.96%
R40 000 – R49 9996.85%7.07%
R50 000 – R74 9997.25%7.50%
R75 000 – R99 9997.25%7.50%
R100 000 – R499 9997.25%7.50%
R500 000 – R999 9997.30%7.55%
R1m – R4 999 9997.35%7.60%
32 Day Flexi Notice Rates 2023

Pros of FNB 32-Day Flexi Notice Account

Competitive Interest Rate

The maximum nominal interest rate over 12 months is 7.45%, which is competitive compared to other savings accounts on the market. This can help you grow your wealth over time.

Low Minimum Opening Deposit

The minimum opening deposit for the FNB 32-Day Flexi Notice Account is R5 000, which is relatively low compared to other savings accounts. This makes it a great option for those who want to start saving but may not have much money to deposit upfront.


The 32-Day Flexi Notice feature allows you to access your funds at any time, as long as you give the bank 32 days’ notice. This provides a level of flexibility that is not available with other savings accounts, allowing you to access your money when you need it without incurring penalties or fees.

Convenient Banking

FNB offers a range of banking options, including online banking, the app, and in-branch banking, making it easy and convenient to manage your account and access your funds.

Safety and Security

Your funds are safe and secure with FNB, as the bank adheres to strict security protocols and regulations. Your money is also protected by the South African deposit guarantee scheme, which provides protection up to R50 000 per depositor per bank.

Cons of FNB 32-Day Flexi Notice Account

Limited Access to Funds

While the 32-Day Flexi Notice feature provides a level of flexibility, it also means that you cannot access your funds instantly. You must give the bank 32 days’ notice before accessing your funds, which may not be ideal for everyone.

Fees and Charges

There may be fees and charges associated with the FNB 32-Day Flexi Notice Account, such as account maintenance fees or fees for early withdrawals. Read the terms and conditions carefully and ask about any fees and charges before opening an account.


In conclusion, the FNB 32-Day Flexi Notice Account is a solid option for South African consumers who are looking for a flexible, convenient, and competitive savings account. With a competitive interest rate, low minimum opening deposit, and the flexibility to access your funds at any time, this account has a lot to offer. However, it is important to weigh the pros and cons carefully and consider your own financial goals and needs before opening an account. If you have any questions or concerns, be sure to speak with a financial advisor.



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