FNB vs Standard Bank

Updated: March 2026

Quick Comparison

FNB

First National Bank

Rating: 4.6/5
APR: 15.5–28.0%
Amount: R1,000–R300,000
Term: 6–72 months
Approval: 24h

FNB →

Standard Bank

Standard Bank Group

Rating: 4.6/5
APR: 14.0–28.0%
Amount: R2,000–R300,000
Term: 6–72 months
Approval: 24h

Standard Bank →

Detailed Comparison

	FNB	Standard Bank
Rating	4.6/5	4.6/5
APR Range	15.5–28.0%	14.0–28.0%
Loan Amount	R1,000–R300,000	R2,000–R300,000
Repayment Term	6–72 months	6–72 months
Approval Speed	24h	24h
Type	Big 4 Bank	Big 4 Bank
Branch Network	600+	550+
Rewards	eBucks	UCount Rewards
NCR Registered	Yes	Yes

Which Should You Choose?

Choose FNB if:

✓ You need a smaller loan (from R1,000)
✓ You value the eBucks rewards programme
✓ You already bank with FNB or FirstRand

FNB →

Choose Standard Bank if:

✓ You want a potentially lower starting APR (from 14.0%)
✓ You prefer Africa's largest bank by assets
✓ You already bank with Standard Bank

Standard Bank →

Frequently Asked Questions

Which has a lower APR, FNB or Standard Bank?

Standard Bank starts at 14.0% APR vs FNB at 15.5% APR. Both banks max out at 28.0%. Standard Bank may offer slightly better rates for well-qualified applicants.

How much can I borrow from FNB vs Standard Bank?

Both FNB and Standard Bank offer personal loans up to R300,000. FNB starts from R1,000 while Standard Bank starts from R2,000.

Which bank is better for a personal loan in South Africa?

Both banks have a 4.6/5 rating and are NCR registered. FNB has a wider eBucks rewards ecosystem, while Standard Bank offers a slightly lower starting APR (14.0%). Choose based on your existing banking relationship and the rate offered to you.

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This comparison is for informational purposes only. Actual terms depend on your application and creditworthiness. All lenders are registered with the NCR under the National Credit Act (NCA).