FNB
FNB Virtual Card is a South African card with a dynamic CVV that refreshes every hour, linkable to credit, debit or fusion accounts, free to create.
Lead with FNB Virtual Card if you bank with FNB in South Africa and want a free, disposable-style online card with an hourly-rotating CVV and eBucks rewards. It rides on your existing transactional account, so no new bank needed.
Profile
| Issuer / category | FNB · South Africa virtual card |
| Official site | https://www.fnb.co.za/ |
| Best for | SA online & Scan/Tap to Pay, subscription isolation |
| Network | Visa |
| Rating | 8.0/10 (no logged live ranges yet) |
| Data quality | partial — issuer statements reviewed |
Costs and fees
| Card creation | Free |
| Monthly fee (virtual card) | None |
| Rewards | eBucks on spend |
| FX / conversion fee | Applies on international spend — verify the rate on the issuer site |
Verification and risk
| KYC required | Yes — FICA + SA ID, existing FNB account |
| Risk level | Low–Medium |
| 3-D Secure | Yes — app-authenticated |
Funding and limits
| Fund from | Linked transactional account (credit / debit / fusion) |
| Cards per account | Multiple — no set limit |
| CVV behaviour | Dynamic — changes every hour |
| Availability | South Africa |
Billing
| Billing country | South Africa |
Platform compatibility
| Scan to Pay / Tap to Pay | Yes |
| Online & in-app | Yes (iTunes, Google Play, Netflix, Spotify) |
| Wearables / wallets | Yes — tokenised |
| Temporary block / cancel | Yes (in app) |
CVV and reward behaviour reflect FNB's published statements; verify current rules in the FNB app.
What the issuer states on its own site
- FNB Virtual Card has a dynamic CVV that changes every hour to reduce online-fraud risk.
- Customers can create multiple virtual cards linked to any transactional account (credit, debit or fusion).
- The card is free to create, earns eBucks, and can be used for Scan to Pay, Tap to Pay and online checkout.
Source: (terms current as of our review).
How it performed in our tests
We have not yet logged live checkout ranges for FNB. When we do, the cleared charges and decline reasons will appear here next to each BIN. Until then, the fee and limit rows above come from the issuer's published terms, not from our own clears.
Browse the BIN directory → to check any range you already hold.
Where to go next
Category guides
Issuing country
Other Visa virtual cards
Head-to-head comparisons
Frequently asked
What does the FNB Virtual Card cost?
Creation is free with no monthly fee on the virtual card. An FX conversion fee applies on international spend — verify the current rate on FNB's site.
How often does the FNB CVV change?
The dynamic CVV refreshes every hour, which limits the usefulness of a stolen number for later transactions.
How many FNB virtual cards can I have?
Multiple per transactional account, with no set limit; each can be temporarily blocked or cancelled in the app.
Is FNB's virtual card available outside South Africa?
It is a South African-issue product linked to your FNB account; check the issuer for cross-border use and forex fees.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.
Related virtual card searches
Looking for the FNB virtual card, a South Africa virtual card with an hourly CVV, or how FNB compares to Absa's virtual card? We cover FNB Virtual Card, its rotating CVV, and related SA virtual cards.