eBucks rules change constantly — I did the actions, but the goalposts move every month

I’ve been trying to engage properly with FNB’s eBucks programme, but the experience has become frustrating and honestly feels designed to be unnecessarily hard to achieve consistently.

I’ve done the “right” actions that FNB pushes for earning/maintaining levels — things like logging into the app, using my card for swipes, making Pay & Clear-type transactions, using the virtual card, and shopping at partner stores like Checkers. I’m not trying to game the system — I’m actively using FNB the way the programme encourages.

The problem is that the eBucks requirements and targets keep changing every month. Just when you think you understand what counts and what level you’re aiming for, there’s another update, another rule change, another threshold, or another “now you must do X AND Y” requirement. It makes planning impossible, and it turns the programme into a moving target instead of a reward for loyal banking behaviour.

This constant shifting creates a feeling that no matter what you do, it’s always “not quite enough” — because the programme updates are so frequent that customers can’t realistically keep up unless they spend time every month re-studying requirements like it’s a part-time job.

What I want from FNB:

More stability in the eBucks rules (stop changing core requirements every month)

Clear, consistent communication of what counts (with a proper transition period when changes happen)

A programme that rewards real usage without feeling like the system is designed to trip customers up

At the moment, eBucks feels less like a loyalty benefit and more like a constantly changing checklist that’s becoming impossible to achieve reliably.