Code of Banking Practice

The Code of Banking Practice (the Code) deals with the various banks' relationship with their customers in South Africa. All banks which are members of the Banking Council are committed to maintain the standards of fairness set out in the Code.

The Code provides valuable safeguards for customers and helps individuals understand how banks are expected to deal with them. Copies of the Code are available from the member banks and from the Banking Council.

  • Read the latest version of the Code of Banking Practice on a computer at https://www.fnb.co.za/downloads/legal/Code-of-Banking-Practice-2011.pdf

Ombudsman for Banking Services

The Ombudsman for Banking Services ("Ombudsman") deals with unresolved complaints between a client and his/her bank. The Ombudsman does this by investigating complaints by members of the public, mediating between the parties to the dispute, and, where the mediation is not successful, making recommendations for the settlement of the complaints.

Ombudsman Requirements

  • The complaint must be in writing
  • The complaint must have been formally lodged with FNB and the customer (you) must be unhappy with the response
  • FNB's official complaint reference number must be quoted as evidence that the complaint has been lodged

Ombudsman contact details

Postal Address: The Ombudsman for Banking Services, P.O. Box 5728, Johannesburg, 2000, South Africa
Physical Address: 51 West Street, Houghton, Johannesburg, South Africa
Tel: (011) 712 1800
Sharecall: 0860 800 900
Financial Ombudsman Callcentre: 0860 OMBUDS/0860 662 837
Fax: (011) 483 3212
Website: www.obssa.co.za
Email: info@obssa.co.za

Please note: Complaints dealing with commercial decisions taken by our Bank, such as issues concerning credit and pricing, will not be entertained.

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