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Read about the Retirement Annuity account

When it comes to preparing for retirement, there’s no one-size-fits-all solution—but the FNB Retirement Annuity offers a flexible, tax-efficient, and rewarding way to build your future wealth.

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Retirement Annuity

Last updated: May 28, 2025
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Interest Rate

Compound interest: Grow your money over the long term.

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Access to funds

Two-pot Retirement System: the two-pot system will allow partial withdrawals from your retirement fund. This adds flexibility by letting you access a portion of your savings before retirement, while preserving the rest for your golden years.

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Opening Deposit

Minimum Contributions R300 per month or R5,000 lump sum.

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Monthly Fees

No monthly admin fees for 18 months.

Tax Implications

Contributions to your retirement annuity are tax-deductible up to 27.5% of your income. This provides significant tax savings while helping you build your retirement fund.

Read about the Retirement Annuity account

When it comes to preparing for retirement, there’s no one-size-fits-all solution—but the FNB Retirement Annuity offers a flexible, tax-efficient, and rewarding way to build your future wealth.

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)
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Non-South African Citizens

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