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Read about the Tax-Free Shares account

If you’re looking to invest smartly without the headache of tax deductions, the FNB Tax-Free Shares account might just be the tool for you. It’s built for South Africans who want to grow their wealth long-term by tapping into the stock market — specifically the JSE’s Top 100 companies — without paying tax on dividends or capital gains.

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Tax-Free Shares

Last updated: May 28, 2025
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Interest Rate

Earn from 2.25% interest per year on daily balances.

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Access to funds

Easy access – Buy, sell, and track investments via Online Banking and the FNB App.

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Affordable Investing

Start investing from R300 per month.

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Monthly Fees

No monthly admin fee.

Tax Implications

• Earnings (capital gains and dividends) within the annual and lifetime limits are tax-free.
• Exceeding the R36,000 annual or R500,000 lifetime limit incurs a 40% penalty tax on the excess.
• Withdrawals cannot be replaced; re-deposits count against your limits.

Read about the Tax-Free Shares account

If you’re looking to invest smartly without the headache of tax deductions, the FNB Tax-Free Shares account might just be the tool for you. It’s built for South Africans who want to grow their wealth long-term by tapping into the stock market — specifically the JSE’s Top 100 companies — without paying tax on dividends or capital gains.

Read More

What you need to apply

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South African Citizens

  1. Your South African ID
  2. Proof of residence
    (not older than three months)
public

Non-South African Citizens

  1. Valid Passport
  2. Proof of residence
    (not older than three months)
  3. Work/Resident permit
how_to_reg

Ways to apply

You can apply now on Buti.co.za, or alternatively, visit the bank’s website to apply through their platforms.

Savings Calculator



Interest Earned: R0.00

Total Savings: R0.00

What you need to apply

badge

South African Citizens

  1. Your South African ID
  2. Proof of residence
    (not older than three months)
public

Non-South African Citizens

  1. Valid Passport
  2. Proof of residence
    (not older than three months)
  3. Work/Resident permit
how_to_reg

Ways to apply

You can apply now on Buti.co.za, or alternatively, visit the bank’s website to apply through their platforms.