FNB · First National Bank · South Africa

FNB statement guide

FNB statement analyzer

Learn how to download your FNB bank statement, unlock the PDF password, and categorize every transaction.

How to downloadPDF password guideAI categorizationCSV & Excel export
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How it works

Three steps to analyze your statement

1.Download your statement

Get your FNB PDF from fnb.co.za or the FNB App. We show you how below.

2.Unlock the PDF password

FNB PDFs are locked with 8 digits (last 4 SA ID + last 4 account). Use our free tool below.

3.Get AI spending breakdown

Upload the unlocked PDF — AI categorizes every debit, credit, eBucks, and transfer automatically.

Step 1

Download your FNB bank statement

Online Banking
fnb.co.za
1
Log in at fnb.co.za
Sign in with your username and password.
2
My Bank Accounts → select account
Go to My Bank Accounts and choose your account.
3
Statements → date range
Click Statements, choose your date range.
4
Download PDF
Password is last 4 digits of SA ID + last 4 digits of account number.
FNB App
iOS & Android
1
Open FNB App
Log in with your app PIN.
2
Select your account
Tap your FNB account from the home screen.
3
Account Statement → date range → Download
Tap Account Statement, select date range, then Download.
4
Enter 8-digit password
Password = last 4 of SA ID + last 4 of account number.

FNB eBucks: FNB also offers eBucks rewards — spending tracked in your FNB statement. eBucks earned appears as a credit entry.

Step 2

Unlock the PDF password

FNB locks every e-statement PDF. Here's exactly how to open it.

Password formula
ID (last 4)
Last 4 of your SA ID
+
Account (last 4)
Last 4 of account
=
XXXXXXXX
8-digit password
Example
ID ends 5432, account ends 9876
5432987654329876
If that doesn't work, try
1
First 4 digits of ID + last 4 of account
e.g. 12349876
2
Full SA ID number
e.g. 9001015432089
3
Call FNB support
087 575 9404

Why is it locked? FNB encrypts e-statements to protect your financial data. The password combines your SA ID and account number — making it unique to you.

Free unlock tool
Remove the password permanently
Enter the password once — download a clean, unlocked copy. Runs entirely in your browser. Your PDF never leaves your device.
Drop your password-protected PDFTap to upload your PDF
or click to browse — PDF only · max 20MB
Free · Processed in your browser · Never uploaded to any server
Step 3

Now analyze your FNB statement

Your PDF is unlocked. Upload it and AI will read every transaction — debits, credits, eBucks, and transfers — showing exactly where your money goes.

Detected Subscriptions

$46.98/mo recurring

N
Netflix

Netflix

MonthlyMar 15, 2026

$15.99

S
Spotify Premium

Spotify Premium

MonthlyMar 22, 2026

$10.99

C
ChatGPT Plus

ChatGPT Plus

MonthlyApr 1, 2026

$20.00

Spending Breakdown

February 2026

Housing & Rent

$2,100

33.4% of total spending

Groceries

$892

14.2% of total spending

Transportation

$645

10.3% of total spending

Other

$1,511

24.1% of total spending

Total Analyzed

$6,284

AI Insights

Your grocery spending is 12% higher than last month. Consider meal planning to stay on budget.

You saved 25.6% of your income — above the recommended 20%. Great job!

Transportation costs dropped $45 from January. The new bus pass is paying off.

You have 5 active subscriptions totaling $84.96/mo. Review if all are still needed.

See your FNB spending clearly

Upload your unlocked statement — full AI analysis in 30 seconds. Free for 3 pages.

Analyze My FNB Statement →
✓ 3 pages free · ✓ No signup · ✓ 30 seconds

Pricing

Simple, transparent pricing

Free
Free
Try it out
  • 3 PDF pages / month
  • AI transaction categorization
  • Sankey money-flow chart
  • AI insights & savings tips
  • Financial health score
  • Spending calendar
  • CSV export
Start Free
Most popular
Basic
$9/mo
For monthly tracking
  • 500 PDF pages / month
  • Everything in Free, plus:
  • Multi-month trends dashboard
  • Subscription detector
  • AI savings opportunities
  • 6 export formats (CSV, Excel, QIF, OFX, QBO, IIF)
  • Chat AI financial advisor
  • Receipts & invoices extractor
  • Table-to-Excel extractor
  • File format converter
  • 12 months history
Start Basic
Pro
$19/mo
For power users
  • Unlimited PDF pages
  • Everything in Basic, plus:
  • Redact sensitive info from statements
  • Translate statements (30+ languages)
  • Fake statement detector
  • Fraud & authenticity scoring
  • Priority processing
  • Priority support
Start Pro

About FNB

Everything about FNB bank statements

PDF password
Last 4 SA ID + last 4 account
e.g. ID ends 5432, account 9876 → 54329876
Statement history
Up to 5 years online
Via fnb.co.za or FNB App
Mobile app
FNB App
Available on iOS & Android

FNB bank statement PDF password

All FNB e-statements are password-protected. The FNB statement PDF password is the last 4 digits of your SA ID number combined with the last 4 digits of your FNB account number — giving you an 8-digit password. For example: ID ends 5432, account ends 9876 → password is 54329876. If that fails, call FNB at 087 575 9404.

About FNB & eBucks rewards

FNB (First National Bank, est. 1838) is South Africa's oldest bank and part of FirstRand Group. FNB has 700+ branches across SA and also operates in Namibia, Botswana, Zambia, and Eswatini. eBucks is FNB's loyalty program — eBucks earned appear as credits on your statement, and redemptions as debits.

FNB statement for visa or loan

Embassies and lenders typically require 3–6 months of bank statements. Download your FNB PDF statements from fnb.co.za or the FNB App. Most South African embassies and banks accept digital PDF statements. For an official bank-stamped statement, visit any FNB branch.

FNB statement analysis

FNB statements include card swipes, EFT payments, cash deposits, ATM withdrawals, eBucks credits, and debit orders. Upload your unlocked FNB PDF to mybankstatementanalysis — AI categorizes every transaction into 19 categories and generates a Sankey money flow chart. Export to CSV or Excel instantly.

How to download FNB bank statement

Log in at fnb.co.za → My Bank Accounts → select account → Statements → date range → Download PDF. Or use the FNB App: tap account → Account Statement → select date range → Download. The PDF is password-protected — use last 4 of SA ID + last 4 of account number.

Related topics
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FAQ

FNB bank statement FAQ

What is the FNB bank statement PDF password?+−
The FNB e-statement PDF password is the last 4 digits of your South African ID number + the last 4 digits of your FNB account number — combined as 8 digits with no spaces. For example, if your SA ID ends in 5432 and your account ends in 9876, the password is 54329876. If this doesn't work, call FNB at 087 575 9404.
How do I download my FNB bank statement?+−
Log in at fnb.co.za → My Bank Accounts → select account → Statements → date range → Download PDF. Or use the FNB app: account → Account Statement → Download. Statement is password-protected with last 4 of SA ID + last 4 of account number.
How do I download my FNB statement from the FNB app?+−
Open FNB app → log in with app PIN → tap your account → Account Statement → select date range → Download. The PDF opens with your 8-digit password (last 4 of SA ID + last 4 of account number).
What are eBucks and how do they appear on FNB statements?+−
eBucks is FNB's rewards program — you earn eBucks on qualifying card swipes and FNB product usage. On your FNB statement, eBucks earned appear as credit entries and eBucks redemptions appear as debit entries. Your AI analysis will categorize these separately.
How do I get an FNB mini-statement?+−
FNB mini-statement: call 087 575 9404 or use the FNB App → Account Statement → last 3 months view. FNB also offers Instant Money and eWallet which have separate transaction records.
How far back can I get FNB bank statements?+−
FNB provides up to 5 years of statement history online and via the FNB app. For older records or official bank-stamped statements, visit an FNB branch.
Can I analyze my FNB statement with AI?+−
Yes. Unlock your FNB PDF with the 8-digit password (last 4 SA ID + last 4 account), then upload to mybankstatementanalysis. AI categorizes all debits, credits, eBucks, and transfers automatically.

See your FNB
spending clearly — free.

Upload your unlocked PDF — AI maps every debit, credit, and eBucks transaction by category.

Analyze My FNB Statement →
✓ 3 pages free · ✓ No signup · ✓ Results in 30 seconds