Home
Education
Credit
 
Home
For Me
For My Business
For Corporates
Calculators
Rates + Pricing
About FNB + Legal
Contact Us + Tools
Careers at FNB

Close

Find an ATM

For your convenience, there are FNB ATMs available at the following locations:

  • Key Filling Station - Excel Garage
  • Bafokeng Filling Station
  • Benson Butchery
  • Bus Stop
  • Dion Fnb Atm
  • Gateway Filling Station
  • Metcash Complex
  • Modise Off-sales
  • Pioneer Shopping Centre
  • Scooters Maseru Fnb Atm
  • Sefika Complex
  • Thetsane Filling Station
  • Usave Hatsolo
  • Express Foods Maputsoe
  • Hlotse Excel Garage
  • Shoprite Building Hlotse
  • Total Garage Maputsoe
  • TY Thabo's Fruits and Veg
  • Kayce's Restaurant
  • LCS Mafeteng
  • LCS Mohales Hoek
  • Mohales Hoek Exel Garage
  • Morija Excel Garage
  • Butha Buthe Branch
  • Kingsway Branch
  • DLM Complex
  • Maseru Mall
  • Masianokeng Total Garage
  • Pioneer Mall Parking Fnb Atm
  • Sefika Complex
  • TY Excel Garage
  • Village-Walk Mall
  • Lower Moyeni Store
  • Mafeteng Branch
  • Fnb Lesotho Maputsoe
  • Maputsoe Branch
  • Maseru Branch
  • Pioneer Mall Branch
  • TY Branch
  • Hlotse Branch

Close

Find a branch

FNB Lesotho Limited branches can be found at the following locations:

Pioneer Branch

Shop UG33
Pioneer Mall
Corner Mpilo and Pioneer Rd
Maseru

Maputsoe Branch

Crystal Packers Building
Sir Seretse Khama Road
Maputsoe
Lesotho
350

Kingsway Branch

Star Lion Building
Corner Kingsway and Parliament Road
Maseru
Lesotho
100

Butha-Buthe Branch

Shop 2 and 3
Muslim Congregation Building
Sechele Street
Butha-Buthe
Lesotho

Mafeteng Branch

High-way Complex Building
Corner Mafeteng Hotel Road
Plot 06472-518

TY Branch

Moshoeshoe Road
Teyateyaneng
Berea

Hlotse Branch

Shop No. B1 & B2
Nolans Complex
Lisemeng 1
Main Road
Hlotse Lesotho

Mokhotlong Branch

Alliance Building
Plot # 50274
Main Road
Mokhotlong
Lesotho ATM & ADT

Masianokeng Branch

Masianokeng Lifestyle Centre
Masianokeng Urban Area,
Maseru 100,
Lesotho

Maseru Mall Branch

Racecourse Mall PTY LTD T/A MASERU MALL,
cnr KOFI ANNAN and POPE JOHN, PAUL DRIVE,
Maseru 100,
Lesotho

Close

Cash Plus Agents

Deposit and withdraw cash conveniently at any FNB Cash Plus agent listed below instead of queuing at branches or ATMs. All you need is an FNB account and be registered for Cellphone Banking. Additional Cash Plus services include airtime and electricity purchases.

Agent Region Community
Tummy General Qoaling, Maseru Maseru
Two brothers Projects & Investments BNP Centre, Maseru Maseru
MRK Boutique LNDC, Maseru Maseru
Frontline Motors Next to CBL, Maseru Maseru
Mellow Snack bar Cathedral area, Maseru Maseru
Immaculate Suppliers Medcash Building, Maseru Maseru
HMS Farmtech Ha- Hoohlo, Maseru Maseru
Pesi General Dealer Ha Abia, Maseru Maseru
Burdes clothing and footwear NRH Mall, Maseru Maseru
Pally' Beauty QC-Point, Maseru Maseru
Mes technology Jackpot building, Maseru Maseru
Yona Yethu Tavern Marabeng, Maseru Maseru
Roadside Tavern Morija, Maseru Maseru
Thethe's kiosk Maseru Mall, Maseru Maseru
Capita floring Tradorette, Maseru Maseru
Katleho General Dealer Sekamaneng, Maseru Maseru
Sima Communications Maseru Mall, Maseru Maseru
Smith Off Sales Lekhaloaneng, Maseru Maseru
Mabotse General Qoaling, Maseru Maseru
GM Shopping Motimposo, Maseru Maseru
Phethy Off Sales Ha Leqele, Maseru Maseru
Afri Solutions Kubetsoana, Maseru Maseru
Shololo General Naleli, Maseru Maseru
Somies Boutique NRH, Maseru Maseru
Shoebox Hillsview, Maseru Maseru
One C all Pharmacy Ha Mabate, Maseru Maseru
Ether Pharmacy Tradorette, Maseru Maseru
Max Bulk Resellers Sea- Point, Maseru Maseru
KTA Off Sales Khubetsoana, Maseru Maseru
L-Mac Pharmacy Khubetsoana, Maseru Maseru
Mantsopa Herbalist Ha Pita, Maseru Maseru
Lecholi Foods Khubetsoana, Maseru Maseru
Lecholi Ha Tsolo, Maseru Maseru
Naledi Mini Market Naleli Pela Ha Rasta, Maseru Maseru
Solution Pharmaceutical Borokhoaneng, Maseru Maseru
Sime Communication Pitso Ground Maseru
Advance Locksmith Pioneer Mall Maseru
Bright Light Qoaling Ha Machabachaba Maseru
Tumy General Qoaling Ha Machabachaba Maseru
Zeecom Mobile and Computers Victoria Hotel Building Maseru
Bochabela General Cafe Bochabela Khubetsoana Maseru
Pioneer Auto Service Pioneer Garage Maseru
KT Business Solution Masianokeng Maseru
Sima Communications Pitso Ground Maseru
Calabash Catering Mookoli Maseru
Calabash Offsales Mookoli Maseru
Modise Logistics Ha modise Maseru
Dion Borokhoaneng Maseru
Falimehang General Cafe Ha Lesia Maseru
One Price Enterprise Cathedral Area Maseru
Lehloa Petroleum Thetsane Garage Maseru
Bafokeng Filling Station Ha Matala Garage Maseru
IFQ Pioneer Mall Maseru
Seal Technology Ha Thetsane Maseru
Golden Pot Catering Ha Mokhothu, TY TY
Kome Careting Next to TY Branch, TY TY
Whispers Tavern Peka, Leribe Leribe
Tsoelang Pele Peka, Leribe Leribe
Molakolako Tavern Peka, Leribe Leribe
Two Sisters Ha Maqele, Leribe Leribe
Ha Seotsanyane Hlotse, Leribe Leribe
Leribe Highway Lisemeng, Leribe Leribe
Makabelane Tavern Tabola- Peka, Leribe Leribe
Makabelane Tavern Peka, Leribe Leribe
Precious of Africa Maputsoe, Leribe Leribe
Kome Careting Next to TY Branch Leribe
Liba's Factory Lisemeng, Leribe Leribe
Payrite Maputsoe, Leribe Leribe
Showery Year .co Maputsoe, Leribe Leribe
Bkoena General Peka, Leribe Leribe
All in one Mini Market Hlotse, Leribe Leribe
Whispers Tavern Peka, Leribe Leribe
Tsoelang Pele Peka, Leribe Leribe
Molakolako Tavern Peka, Leribe Leribe
Two Sisters Ha Maqele, Leribe Leribe
Ha Seotsanyana Hlotse Filling Station Leribe
Nortern Giants Maputsoe Filling Station Leribe
Hongcai Shopper Next to Maputsoe Branch Leribe
London Take Away Pitseng Leribe
Ha Seotsanyane Ha Nyenye Filling Station Leribe
Machabeng General Cafe Matukeng Leribe
Phoenix Holdings Butha Bothe reserve, Butha, Buthe Butha-Bothe
LKL Investments Traffic circle. Butha- Buthe Butha-Bothe
Pally Jane Butha Bothe reserve, Butha, Buthe Butha-Bothe
Aabian Electronics Likila Complex, Butha- Buthe Butha-Bothe
Baba Enterprise Opposite Cash Build Butha-Bothe
Maqdum Enterprises Old Bus Stop Butha-Bothe
Shoppers Rite Mini-Market Marekeng Butha-Bothe
Real Tech Excel Garage Butha-Bothe
Thabelo Enterprise Near Mokhotlong Bus-Stop Butha-Bothe
Gandhi and Babudi Sons Enterprise Makholokoe, Mokhotlong Mokhotlong
Sima Communication Mokhotlong Mokhotlong
Khutlisi General Makhoaba Mokhotlong
Maluba-luba General Mapolaneng Mokhotlong
Bay Fruits and Veg Mapolaneng Mokhotlong
Ntja Mokoatle Trading Ntja Mokoatle Mokhotlong
MS Suppliers Thabong, Thaba, Tseka Thaba-Tseka
MalibaFarm Feed Phomolong, Thaba -Tseka Thaba-Tseka
Machabeng Catering Mantsonyane, Thaba- Tseka Thaba-Tseka
808 Public Bar Thaba Tseka Thaba-Tseka
Mamosiane Catering Ha Mme Mamosiane Thaba-Tseka
JJ Brick Works Mantsonyane Thaba-Tseka
Nanabolela General Cafe Mantsonyane Thaba-Tseka
Seotloaneng Public Bar Upper Moyeni, Quthing Quthing
Moments Café Upper Moyeni, Quthing Quthing
Ha Thato Upper Moyeni, Quthing Quthing
Sima Communication Upper Moyeni, Quthing Quthing
Rolling Wheel Mphaki Quthing
Mitchell Trading Quthing Quthing
Simma Communications Qacha's Nek Reserve, Qacha, SPU Building, Qacha Qacha's Nek
Kedis Phamarcy Qacha's Nek Reserve, Qacha Qacha's Nek
Qacha's Nek Filling Station Qacha's Nek Garage Qacha's Nek
Boliba holdings Phamong, Mohales Hoek Mohale's Hoek
Q. City butchery Qalakheng, Mohales Hoek Mohale's Hoek
Simma Communication Mohale's hoek Mohale's Hoek
Holy City Oppoite Cash Build Mohale's Hoek
Majantja Supermaket Qalakheng Mohale's Hoek
Agro Pro Investments Mafeteng CBD, Mafeteng Mafeteng
Green City Four Square, Mfeteng Mafeteng
Easy Pay 2 Ha- Sehlabo, Mfeteng Mafeteng
F & L Holdings Matholeng, Mafeteng Mafeteng
Dawn Hair Next to Mafeteng Branch, Mafeteng Mafeteng
Lephola Farm Next to the Old Bus Stop Mafeteng
Mult Distributors Leboneng Opposite Build It Mafeteng
Lerato General Cafe Ha ntate Molise Mafeteng
Mohlakola Car Rentals Ha Motjoka, Berea Berea
TY Four Square Ha Mokhothu, Berea Berea
All in one services Ha Motjoka, Berea Berea
Allif Supermarket Ha Motseki, Berea Berea
Phokeng General Dealer Machoaboleng, Berea Berea
Makhoroana Tavern Ha Makhoarana,Berea Berea

Close

Unclaimed funds

Customers to claim funds_List 1

Customers to claim funds_List 2

Customers to claim funds_List 3

Customers to claim funds_List 4

Close

Unclaimed funds

Customers to claim funds_List 1

Close

Daily Banking

Close

Tools

Register Forgot Username or Password Verify payments

Close

Menu

Bank Services Bank better

Switch to FNB

Do it now!

Transact

Cheque accounts + overdrafts Transactional savings accounts Lifestart Student Account eWallet Ways to bank

Savings + investments

Call Account 32 Day Extention Account Fixed Deposit Flexi Fixed Deposit Money Market Account

Borrow

Personal Loan Home Loan Vehicle finance

Insure

Insurance

Switch to FNB

Do it now!

Services

inContact Email Statements

Bank better

Money Management

Close

Switch to FNB

Do it now!

Transact

Business Cheque Account Money Market Account eWallet bulk payments Ways to bank

Borrow

Overdraft Business Loan Commercial property finance

Close

Calculators

Budget calculator Future value calculator Loan investment calculator

Close

Rates + pricing

Pricing guide Interest Rates Financial Statement

Close

Terms + Conditions

Product Terms and Conditions Legal Matters

About Us

About us

News + Insight

Financial Reports Audit Reports Unclaimed funds

Close

News + Insight

Financial Reports Audit Reports Unclaimed funds

Close

Customers to claim funds_List 1

Customers to claim funds_List 2

Customers to claim funds_List 3

Customers to claim funds_List 4

Close

Customers to claim funds_List 1

Close

Customers to claim funds_List 1

Close

Customers to claim funds_List 1

Close

Customers to claim funds_List 1

Close

Customers to claim funds_List 1

Customers to claim funds_List 2

Close

Unclaimed funds

Unclaimed funds 2020 Unclaimed funds 2021 Unclaimed funds 2022 Unclaimed funds 2023 Unclaimed funds 2024 Unclaimed funds 2025

Close

Talk to us + important numbers

Contact us Environmental queries

Fraud + Disputes

Security Centre

Locators

ATM Locator Branch Locator Cash Plus Agent

Tools

Software Downloads Verify Account Confirmation/Visa Application Letters Verify Statements

Close

Close

Understanding
instalments

Instalments refer to a set amount you pay for an item over an agreed period. Often, we are attracted by special offers and low monthly instalments that look like very good deals. But 'low' instalments can be deceiving.

It is important to look at the total cost you will pay by adding up the monthly instalments over the payment period. You may find you will pay way more than the cash price. Always check before agreeing to the instalments and where possible, save up and buy the item in cash.

Remember: Check if you are being charged for extras such as delivery, credit life insurance, etc. You have a choice not to take up insurance if you do not want it.

Close

Understanding
wants & needs

Bad credit

  • Borrowing for wants - e.g. new outfit for an event when you have clothes you can wear.
  • Borrowing for consumables - e.g. borrowing to buy groceries, airtime, etc. If you constantly need to borrow money before month end, you may need to adjust your budget and cut out some expenses.

Good credit

  • Borrowing to buy assets that grow in value over time, e.g. a house.
  • Borrowing for personal growth for you or a family member, e.g. student loan.

Credit

Why it's important to understand how credit works

It's always better to save up for something and pay cash, but we know that's not always possible.

Understanding interest

There are two types of interest: interest earned (on savings and investments) and interest charged (on loans).

Interest earned

This type of interest is a way to grow your money and is a reward from the bank for saving your money with them. It's extra money you earn for saving your money with a bank or an investment/savings institution.



Interest charged

This is the type of interest charged by a credit provider to lend you money. It's the cost of credit and is usually calculated as a percentage of the amount that you borrow.



Compound interest (earned)

When interest is calculated on the original investment and interest earned, so you earn interest on your interest, helping your money grow quicker.



Compound interest (charged)

When interest is calculated on the original amount borrowed invested plus any interest charged in previous months or years so you are charged interest on your interest, meaning your debt grows over time.



Understanding instalments

Instalments refer to a set amount you pay for an item over an agreed period. Often, we are attracted by special offers and low monthly instalments that look like very good deals. But 'low' instalments can be deceiving.

Where to borrow money

If you are planning to borrow money, there are lots of different places that you can borrow from including: banks, micro-lenders, shops and informal (unregistered lenders) such as loan sharks.

All these places offer different products and their terms and application requirements differ. The risk associated with each lender also differs, so think carefully before signing an agreement or contract.

Close

Where to borrow money

Before you take up credit

Taking up credit is a big decision. Before you do, consider the following:

Obtain a quote from the credit provider. It should show how much you will be paying in total.



Find out if there are penalties or rewards for repaying the debt earlier.



Get a copy of the contract and read it at home before you sign.



Make sure you understand the terms of the agreement.



Find out what will happen if you are unable to make the loan repayments on time.



Understanding wants & needs

Bad credit

  • Borrowing for wants - e.g. new outfit for an event when you have clothes you can wear.

Understanding legal protection and credit reports

Legal protection

When taking out credit you have rights.

Read More

Credit Report

Credit bureaux keep credit-related information of all credit-active consumers, this information is compiled on a credit report.

Read More

Close

Legal protection

There is no shame is asking for help to manage your debt. It is better to get help than to drown in debt.

Advantages

  • The right to apply for credit or a loan.
  • Not be unfairly discriminated against when applying for credit or a loan.
  • Read a credit agreement in plain language.
  • Have a copy of the credit agreement BEFORE taking the loan.
  • Privacy regarding your personal information.
  • Complain if you think you have been treated unfairly.
  • Check your credit profile once a year. You can do this for free once a year with a credit bureau. You can find a list of credit bureaux that will give you a free annual credit check on www.cba.co.za. This website gives contact details for all the credit bureaux that are members of the Credit Bureau Association.
  • Ask for help from a debt counsellor to assist with restructuring your debt.
  • Know why a loan application has been rejected.

    • Your rights as it relates to credit is protected under the National Credit Act and the National Credit Regulator can assist customers to get help when their rights have been violated. If you have a concern or a problem about the way you have been treated in accessing credit, contact the NCR. Their telephone number is 0860 627 627 and their website address is www.nca.co.za

    Office of the Banking Adjudicator

    Physical address:
    Plot 184 Ist Floor,
    Tlale House Main Mall , Opposite BEDIA.

    Postal address:
    Office of the Banking Adjudicator
    Private Bag 00404
    Gaborone

    Tel: (0267) 3935409
    Fax: (0267)3935406

    Email: bankadjud@info.bw
    Website: www.banking-adjudicator.org.bw

    Close

    Credit report

    Credit bureaux keep credit related information of all credit-active consumers, this information is compiled on a credit report or credit profile. Credit grantors submit payment information to the credit bureaux on how well you are repaying your loans. The information submitted is both positive and negative information. The purpose of a credit report is to allow credit grantors to determine if you are eligible for credit, by assessing the amount of credit you already have and also looking at how well you repay existing loans. It is a risk for companies to give you a loan, therefore they must ensure that you can repay it.

    You can get a free copy of your credit report once a year directly from the credit bureaux:

    Compuscan

    Call Centre on 0861 514 131
    Online at www.mycreditcheck.co.za

    Consumer Profile Bureau

    Experian

    Call Centre on 0861 105 665
    Online at www.creditexpert.co.za

    TransUnion

    Plot 115 Unit 21 Kgale Mews, Gaborone, Botswana
    Private Bag 305, Gaborone, Botswana
    Email: vgaleromeloe@transunion.co.za
    Web: http://www.transunion.co.za
    Phone: 0267 390 3535
    Fax: 0267 318 1124

    XDS

    Call Centre on 0860 937 000
    Online at www.credit4life.co.za

    Action creditors can take if you do not make payments

    Repossession

    The seller takes back the goods, as well as keeps the money you have already paid for the goods.



    Judgments

    A judgement is a court order that forces you to repay your loans.



    Attachment of property

    Depending on how big your debt is, the court can order that some of your property (such as furniture, a vehicle, etc.) can be repossessed.



    Garnishee orders

    The court will instruct your employer to pay a part of your wages or salary to the creditor as repayment of your debt.



    Types of expenses

    Over-indebtedness

    TYou are over-indebted if you are failing to meet your debt repayments and constantly need to borrow to support your monthly expenses.

    Read More

    Debt counselling

    There is no shame in asking for help to manage your debt. It is better to get help than to drown in debt.

    Read More

    Close

    Over-indebtedness

    You are over-indebted if you are failing to meet your debt repayments and constantly need to borrow to support your monthly expenses.

    What can I do if I am over-indebted?

    a) The first step is to write a list of all the people and businesses that you owe money to.

    b) Contact your creditors and explain your situation.

    c) When creditors write to you, take their letters seriously and respond.

    d) Do not promise to make payments if you cannot afford them. Rather explain the situation and look at making smaller payments over a longer period.

    e) Avoid taking more loans to pay the debt you already have

    f) Change your lifestyle, cut down on things like entertainment, alcohol, cigarettes, gambling, etc.

    g) If you drive an expensive car, consider downgrading to a more affordable car or sell your car and use public transport.

    h) Avoid buying groceries on credit.

    i) Consult a debt counsellor. Call the National Credit Regulator (0860 627 627) and they will refer you to a debt counsellor near you.

    Close

    Debt counselling

    There is no shame is asking for help to manage your debt. It is better to get help than to drown in debt.

    Advantages

  • When you are under debt counselling, creditors may not take more action against you.
  • There is no permanent record of having undergone debt counselling.
  • There is only one monthly repayment to be made.
  • Your budget will meet your basic needs (housing, transport, food) first before making provision for your debts.
  • You will never pay more money than you can reasonably afford.
  • A debt counsellor will suggest ways of cutting costs and saving money.
  • You will no longer get calls from your creditors demanding payment. This will lessen your stress and allow you to focus on fixing the problem of getting out of debt.

    • Disadvantages

  • You are not allowed to have more credit while undergoing debt counselling.
  • It does cost a little bit of money, payable to the debt counsellor. These fees are regulated and set by law.
  • Your debts will take longer to pay off because of paying smaller amounts each month.
    • First National Bank of Lesotho Limited - A Subsidiary of FirstRand EMA Holdings Limited and a
    member of the FirstRand group of Companies. An authorised Financial Services Provider. Reg No: 2008/729.

    Close

    How would you like to log in?