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FBC Bank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

FBC Bank suits savers in ZW who can park money and leave it in place, since the account runs on notice terms with 1 withdrawal allowed in every 2 months. It suits patient savings rather than everyday cash, and the same bank lends to borrowers as well as holding deposits.

Key facts

Best for
A notice account with no monthly charge, for savers who can leave a balance untouched.
Rate type
Variable↗
Minimum deposit
$100↗
Access terms
1 withdrawal allowed in every 2 months↗
Monthly fee
$0↗
Account kind
Notice↗
Legal entity
FBC Bank Limited↗
Headquarters
Zimbabwe↗
Founded
1997↗
Support channels
Phone, Help-centre↗
Pricing model
No monthly fee
Official website
fbc.co.zw

Loans

Lender type
Direct lender↗
Eligibility
Civil servants for the Deduct-at-Source Payroll Loan via the Salary Service Bureau; home loan requires title deeds to immovable property↗
Loan types
Personal, Credit-line, Secured↗
Use cases
Home-improvement↗
Features
Credit line

Debit cards

Card type
Debit↗
Card network
Mastercard↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
App Store
Elsewhere
XLinkedIn

Pros and cons

Pros

  • The monthly fee is $0, so nothing is taken off the balance each month
  • The minimum deposit of $100 lets you start without tying up a large sum
  • Spending works on a debit card on the mastercard network

Cons

  • Access is tight: 1 withdrawal allowed in every 2 months, so money in is awkward to move out
  • The rate is variable, so what you earn can move in either direction
  • Support runs on phone and help centre only, with no written or chat channel listed
FBC Bank

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Savers in ZW holding US dollars who can leave a deposit untouched for a notice period
  • Anyone who wants no recurring account charge, since the monthly fee is $0
  • Borrowers for home improvement, since lending covers personal, credit line and secured plus a credit line

Who should look elsewhere

  • Starling Personal Account Debit Card, which has a minimum deposit of £0, for anyone who wants the balance on demand
  • eToro, whose $1 to $10,000 deposit range starts lower, for savers keeping a smaller balance in cash
  • Finteres, whose minimum deposit of €100 sits in euros, for savers who want a euro account

How FBC Bank compares

Where FBC Bank is available

Available
Zimbabwe

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does FBC Bank charge to run the savings account?+

The monthly fee is $0, and the account runs on the no monthly fee pricing model, so there is no recurring charge to budget for. The minimum deposit of $100 is the only amount you need to open it.

How much do I need to start saving with FBC Bank?+

The minimum deposit is $100. Finteres asks €100 and eToro works across $1 to $10,000, so FBC Bank sits mid range on entry amount. Starling Personal Account Debit Card, by contrast, needs £0.

Can I withdraw money whenever I want?+

Not on demand. The account is a notice account, and the access terms allow 1 withdrawal allowed in every 2 months. That suits anyone building a pot they will not touch, and it rules out anyone who needs a short notice to reach cash in an emergency.

What rate do I get and can it change?+

The rate is variable, so the return follows the market rather than being fixed for a set period. That cuts both ways, since the balance can earn more when rates rise and less when they fall, which makes it a different proposition from a fixed deal.

Where is FBC Bank based and who runs the account?+

FBC Bank is FBC Bank Limited, based in Zimbabwe and founded in 1997. It lends directly too, and its payroll product runs through the Salary Service Bureau for civil servants, while a home loan wants title deeds to immovable property.

Can I borrow from FBC Bank as well as save?+

Yes. FBC Bank is a direct lender, so you deal with the bank rather than a broker, and its lending covers personal, credit line and secured. The stated use is home improvement, and the home loan route requires title deeds to immovable property.

What card comes with the account?+

Spending runs on a debit card on the mastercard network, and it works as a normal bank card for purchases. The appeal sits in the account terms and the $0 monthly fee rather than in card rewards.

Who can I get help from?+

Support runs on phone and help centre, so you can call the bank or work through its help centre. If you would rather have written answers by email or live chat, this is not the setup for you.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Headline rate, Term, Deposit protection.

FBC Bank

FBC Bank

A notice account with no monthly charge, for savers who can leave a balance untouched.

8.9/10See alternatives