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Smart Account

The Smart Account caters for a wide range of customer needs by offering the customer the benefits of a self-service, savings, credit and insurance. A Smart Account is a fully functional account offering a customer full accessibility and transactional functionality through all electronic channels. The Smart Account is a transactional account that gives you great value for money every day.

Target Market

All individuals who need a functional transactional account. 21 years or older.
Earning monthly from MZN 500 up to MZN 74,999 per month.

Documentation required

Valid Identity document
Proof of Residence
Proof of income? pay slip, bank statement etc.
Opening/ Minimum deposit of MZN 5,000.00

Current Account

Pesonalized FNB Chip and PIN Visa Gold debit card.
Automatic subscription to Mobile banking.
Free optional subscription to Online Banking.
Free SMS notifaction for international transactions
SWIFT available on request.
1 Free monthly statement in the branch.
Transaction limits: ATM withdrawals MZN 12.500, POS purchases MZN 250,000, ATM transfers MZN 100,000 & Conta Movel MZN 20,000.
Cheque book

Value added services

Trocos: Save as little as MZN 10 or more daily, when you Swipe your card.
Paga la: Pay without a debit card on Ponto24 POS nationwide.
Conta Movel: Withdraw cash on Ponto24 ATM without a debit card nationwide with ewallet.
Manda Mola: Send money to any valid Mozambique cellular number.


Smart customers can only qualify for the following credit products:

Consumer loan


Smart customers can start saving their money today on:

Savings account
Conta Junior
Fixed term (30, 60, 90 and 360 days) deposits
Fixed term deposit of 2 years


Smart Customers get greater peace of mind by having simple access to:

Funeral cover
3rd Party Motor
Full Motor
Credit Life


The following self-service options are available for Smart Accounts:

Online Banking
Mobile Banking

Customer Line
+258 21 355 999

e-mail: call.center@fnb.co.mz

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