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

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

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
MRK Boutique LNDC, Maseru Maseru
Frontline Motors Next to CBL, Maseru Maseru
Immaculate Suppliers Medcash Building, Maseru Maseru
HMS Farmtech Ha- Hoohlo, Maseru Maseru
Pally' Beauty QC-Point, Maseru Maseru
Mes technology Jackpot building, Maseru Maseru
Yona Yethu Tavern Marabeng, Maseru Maseru
Thethe's kiosk Maseru Mall, Maseru Maseru
Capita floring Tradorette, Maseru Maseru
Katleho General Dealer Sekamaneng, Maseru Maseru
Lancer's Gap General Dealer Sehlabeng sa Thuathe Maseru
Sima Communications Maseru Mall, 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
KTA Off Sales Khubetsoana, Maseru Maseru
Mantsopa Herbalist Ha Pita, Maseru Maseru
Naledi Mini Market Naleli Pela Ha Rasta, Maseru Maseru
Solution Pharmaceutical Borokhoaneng, Maseru Maseru
Advance Locksmith Pioneer Mall Maseru
Bright Light Qoaling Ha Machabachaba Maseru
Tumy General Qoaling Ha Machabachaba Maseru
207 Retail Ha- Shelile Maseru
Zeecom Mobile and Computers Victoria Hotel Building Maseru
Bochabela General Café Bochabela Khubetsoana Maseru
Pioneer Auto Service Pioneer Garage Maseru
Sima Communications Pitso Ground Maseru
Dion Borokhoaneng Maseru
Falimehang General Café Ha Lesia Maseru
Lehloa Petroleum Thetsane Garage Maseru
Maletsunyane JCK Holdings Khololikane Maseru
Bafokeng Filling Station Ha Matala Garage Maseru
Seal Technology Matsoatlareng Maseru
Desire Kiosk Lower Thamae Maseru
Bofelo PTY Peka, Leribe Maseru
Alumnus Mafikeng (Roma) Maseru
GM General Dealer Lancers Gap Ha Mabote Maseru
Bashanyaneng General Dealer Khololikane Maseru
Nets Sourcing Ha Thetsane Maseru
La Reine Fashion Mookoli Maseru
Cool side Khubetsoana Maseru
Machache Tavern Nazareth Maseru
Mountain Off-sales Nazareth Maseru
Mykasi Home Lower Thamae Maseru
Metmok Holdings Upper Thamae Maseru
Lamshine Snack Bar Roma Maseru
Leratong General Café Sefateng (Motimposo) Maseru
Progress Hair & Salon Academy Seipobi Building Maseru
Blue Hill Café Ha Ramabanta Maseru
Malekeleke Public Bar Mohalalitoe Maseru
Get to know me Ha Leqele Maseru
Ebay Saver Enterprise Masianokeng Maseru
Harmony Creatives Ha Leqele Maseru
Chips Away Mini Market Naleli Maseru
Maluti Fruits & Vegetables Market Pitso Ground Maseru
All in one Construction Maseru Craft Maseru
Basaltic Construction Upper Thamae Maseru
BRS Entrepreneurship Khubetsoana Maseru
Grace Pharmacy Morija Maseru
Makhemeng General Dealer Ha Thetsane Maseru
Infotime Investments Sefika mall Maseru
Nala Butchery Ha Tsosane Maseru
SIM SIM General Dealer Likotsi Maseru
Smart Choice LNDC Maseru
Sima Communications Khubetsoana Maseru
Salang Mini Market khubetsoana Maseru
Hero Autotronics Accessories Khubetsoana Maseru
Get water with M & M Cathedral Area Maseru
Thabang Moreneng Ha Motsoeneng Maseru
Shine general dealer Ha- Motsoeneng Maseru
Katleho General Dealer Motlakaseng Khubetsoana Maseru
Elegant Fashion Roma Maseru
Balekeng General Dealer Ha Thetsane Maseru
Qhala Lounge Khubetsoana Maseru
Itekeng General Dealer Serviceng, Ha Thetsane Maseru
Malcom Ha- Pita Maseru
Jeans & Tonic Sea Point Maseru
Dezired Hair Salon Ha Seoli Maseru
Likepolana Construction Ha - Foso Maseru
Thumbs Up Ha- Abia Maseru
Bobz General Ha- Tsosane Maseru
Majela Construction Koporasi Maseru
Destiny Fresh Produce Ha - Foso Maseru
Sima Communications Roma Maseru
Mago enterprise Nutri- Foods Maseru
Frontline Motors Maseru Mall, Maseru Maseru
Greenfield Butchery Selakhapane Maseru
Greenfield Butchery Ha Foso Maseru
Lephola Savings and Credit Kingsway Maseru
Kasa General Seputana Area Maseru
All for Sports Metcash Building Maseru
Nkata General Dealer Ha Seoli Maseru
ATM General Dealer Koalabata Maseru
Thetsane Hardware Maponeseng, Ha Thetsane Maseru
Five Star Ha Makhalanyane Maseru
PASCOS Enterprise Ha Abia Maseru
Home of Joy Ha Leqele Maseru
Thamae General Ha Tsolo Maseru
Glamour World Opposite Lesotho High School Maseru
Lady M Pitso Ground Maseru
Moletsane Supermarket Ha Thamae Maseru
Lancer's Gap General Dealer Mookoli Maseru
Happy Angels Ha Foso Maseru
Garden of Victory Foods and Veg Ha Leqele Maseru
Mabotlenyana Guest House Nazareth Maseru
Vita Sana Pharmaceuticals T'senola Maseru
Diana Holdings Traffic, Ha Foso Maseru
Neltar Clothing T'senola Maseru
Aggie's Refridgerator Ha Makhalanyane Maseru
Lihlabeng Truck and Plant BEDCO Maseru
Tit for Tat Semongkong Maseru
Tsiu General Ha Tsiu Maseru
Atlantic Pharmacy Ha Leqele Maseru
Memoma Holdings Ha Leqele Maseru
Greenfield Distribution Metcash Building Maseru
Trustee Cosmetics Old Industrial Area Maseru
Mini Box Lithabaneng Maseru
Wezzy Shop Ha Makhalanyane Maseru
Sticks General Dealer Motimposo, Maseru Maseru
Red Square Group Ha 'Nelese Maseru
Wenhui Enteprises Roma Maseru
Koena General Maponeseng, Ha Thetsane Maseru
Rainbow Supplies Koalabata Maseru
Buzy Junction Offsales Ha Leqele Maseru
The Elite Group Ha Mabote Maseru
THATHOO GENERAL KHUBETSOANA MASERU Maseru
SUGAH DA HOUSE HA- MAKHOATHI MASERU Maseru
REBIRTH Café HA MATALA MASERU Maseru
MOCHABA INDOOR GAMES LESOTHO MASELENG MASERU Maseru
PUX HOLDINGS HA -TIKOE MASERU Maseru
TUCK SHOP KELLY MASERU EAST- MASERU Maseru
POUNDOLAR LOGISTICS PTY LTD HA NGOATONYANE MASERU Maseru
KHAYALETHU PHARMACY HA TSOLO MASERU Maseru
Two Sisters Ha Maqele, Leribe Leribe
Ha Seotsanyane Hlotse, Leribe Leribe
Tsoelang Pele Peka, Leribe Leribe
Leribe Highway Lisemeng, Leribe Leribe
Bakomane Tarvern Khanyane 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 Café Matukeng Leribe
The Blue Diamond Ha Bene Leribe
Plush Restaurant Hlotse Leribe
Macabela Liqour Lisemeng Leribe
Lagoon Off Sales Hlotse Leribe
Roadside Tavern Roadside Tavern Leribe
Areka Public Bar Ha Nyenye Leribe
Waters Public Bare Khanyane Leribe
Jabari Off Sales Ha Lejone Leribe
Tsipa- Tsipa Ha Makokoana Leribe
Roots General Café Maputsoe, Pela Borokhong Leribe
Market Day Maputsoe Leribe
Ten70 Maputsoe Leribe
BI Park Liqour Ha Makhata Leribe
Lihoja General Dealer Maputsoe Leribe
Sima Communications Ha Foka, Peka Leribe
Sima Communications Hlotse Leribe
Da Royal General Café Ha Molibeli, Pela Junction Leribe
Phoenix Holdings Butha Bothe reserve, Butha, Buthe Butha-Bothe
Arabian Electronics Likila Complex, Butha- Buthe Butha-Bothe
Real Tech Excel Garage Butha-Bothe
Thabelo Enterprise Near Mokhotlong Bus-Stop Butha-Bothe
Sebipela Off Sales BEDCO Butha-Bothe
Sima Communications BEDCO Butha-Bothe
Saucy and Spicy Hub Botha Bothe Reserve Butha-Bothe
Nchela Energy Botha Bothe Reserve Butha-Bothe
Mr Shoppers Likoting Butha-Bothe
Mr Shoppers Likoting Butha-Bothe
Ultimate Restaurant Lipelaneng Butha-Bothe
Raletsoho Transport Mapoko Butha-Bothe
Sima Communication Mokhotlong Mokhotlong
Botshelo General Letseng Mokhotlong
Semausing General Dealer Mapholaneng Mokhotlong
Tlokoeng Off-Sales Malingoaneng Mokhotlong
Batlokoa Off sales Mapholaneng Mokhotlong
Malinyane & Cellular Ntlolohetsane Mokhotlong
Blitz Botique Mokhotlong Reserve Mokhotlong
Reitumetse Shop Mapholaneng Mokhotlong
Basia General Dealer Ntlolohetsane sekoting Mokhotlong
Casian General Dealer Ntlolohetsane sekoting Mokhotlong
Seotlong general Dealer Salang Mokhotlong
Lilomong General Café Salang Mokhotlong
Medi - Land Pharmacy Matamong Mokhotlong
Ma Bk Catering Matamong Mokhotlong
Sports Fite Mokhotlong Garageng Mokhotlong
P&D Discount Electronics Alliance Building Mokhotlong
T&M CONSTRUCTION MATAMONG MOKHOTLONG Mokhotlong
MS Suppliers Thabong, Thaba, Tseka Thaba-Tseka
Methalaneng Store Mant'sonyane Thaba-Tseka
Machabeng Catering Mantsonyane, Thaba- Tseka Thaba-Tseka
Mamosiane Catering Ha Mme Mamosiane Thaba-Tseka
Nanabolela General Café Mantsonyane Thaba-Tseka
Venus Enerprises Thabong pela Bankeng Thaba-Tseka
Lilala Mini Market Thabong 2 Thaba-Tseka
Likepolana General Dealer Mantsonyane Thaba-Tseka
Ntina Botique Thabong Thaba-Tseka
Katse General Dealer Khokhoba Thaba-Tseka
Seotloaneng Public Bar Upper Moyeni, Quthing Quthing
Big Sisters General Dealer Lower Moyeni Quthing
Sima Communication Upper Moyeni, Quthing Quthing
Rolling Wheel Mphaki Quthing
Mitchell Trading Quthing Quthing
Buy A Futhi General Café Ha Pokane Quthing
Tip Top Sixons Quthing
Greenworld Distribution Lower Moyeni Quthing
Ha Thato Lower Moyeni Quthing
Simma Communications Qacha's Nek Reserve, Qacha, SPU Building, Qacha Qacha's Nek
Push Push Chaka Complex Qacha's Nek
Boliba holdings Phamong, Mohales Hoek Mohale's Hoek
Four Sister Shell Garage Mohale's Hoek
Eclipse Butchery Phahameng Mohale's Hoek
Infinity Off-Sales Thabaneng Mohale's Hoek
Tony Off-Sales Likhutlong Mohale's Hoek
Mjuza Filling Station Mohale Street Mohale's Hoek
Nchorosetsa Public Bar Qalakheng Mohale's Hoek
Mat'seliso Catering Qalakheng Mohale's Hoek
Crossby Off sales Holy Cross Mohale's Hoek
Agro Pro Investments Mafeteng CBD, Mafeteng Mafeteng
Green City Four Square, Mfeteng Mafeteng
Multi Distributors Leboneng Opposite Build It Mafeteng
Lerato General Café Ha ntate Molise Mafeteng
Dawn Hair Next to Mafeteng Branch, Mafeteng Mafeteng
Botsana General Café Ha Maine Mafeteng
Supa General Dealer Thabaneng Mafeteng
Borata Milling Matsaneng Mafeteng
Mohope Public Bar Ha Seitlheko Mafeteng
Tsimong Public Bar Motse- mocha Mafeteng
Lehae Ripple Tarven Matelile Mafeteng
Mantso Enterprise Khubetsoana Mafeteng
Choice General Café Matsaneng Mafeteng
Kome Careting Next to TY Branch Berea
Mohlakola Car Rentals Ha Motjoka, Berea Berea
The Stone Guest House Koro-Koro (TY) Berea
Phokeng Store Mapoteng Next to Police station Berea
Makhoroana Tavern Ha Makhoroana Berea
Ts'epa Sweet Delight Ha Mokhothu Berea
Molato Tuckshop Ha Lebina Berea
Kap Tech Pty Ltd Ha Lebina Berea
Supercare Pharmacy Pty Ltd Ha Mokhothu Berea
Sima Communications Ha Motjoka Berea
Lehae farm feeds Kolonyama Berea
BM21 Tarvern Ha Letsoela Berea


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.


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).

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.


Where to borrow money


Before you take up credit


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

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

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


    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


    Types of expenses



    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.


    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.
  • How would you like to log in?