Title: eBucks Rule Changes – Unfair, Misleading & Forcing Insurance

I am extremely disappointed with FNB’s latest eBucks rule changes effective November 2025.

The new rules drastically reduce levelling points for normal banking behaviour, making it almost impossible to reach Level 5 without taking out life insurance. Many customers, myself included, do not believe in life insurance, yet FNB is now effectively forcing us into it.

In July 2025, after reviewing the new rules, I entered into a 24-month contract with the promise of 100% back in eBucks at Level 5. FNB has always said rules only change once a year. Now, just a few months later, I find myself locked into a 2-year contract with no way to achieve the benefits I signed up for. This feels misleading and unfair.

These mid-year changes undermine customer trust and create financial harm to loyal clients.

If these rules go ahead unchanged, I will have no option but to take my business to another bank and escalate this matter to the Ombudsman for Banking Services and the National Consumer Commission.

FNB must reconsider these unfair changes and protect customers who made financial commitments in good faith.