Bank interest

How to download your FNB IT3(b) tax certificate

FNB makes tax certificates available once a year in the FNB App and on FNB Online Banking. Here is the route FNB publishes, and how to make the PDF SARS-ready.

Prepare bank tax certificates for eFiling. TaxScanZA scans and exports SARS-ready PDFs under the upload limit.
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Updated 6 October 2026. General information, not tax advice. TaxScanZA is independent of FNB and SARS.

Where to find the certificate

FNB App. FNB's self-help pages give this route:

  1. The first time: log on, go to the home screen, tap the + icon to add an icon to the home screen, and choose Tax Certificates.
  2. After that: log on, and tap Tax certificates on the home screen.

FNB Online Banking. Log on, then go to My Bank Accounts > My Accounts Menu > Statements > Tax Certificates.

FNB says tax certificates "will be made available annually" and that you can download them each year before you complete your tax return. FNB publishes these steps on its self-help pages for share investing and investment accounts. If your screen looks different, FNB offers Secure Chat in the FNB App and Online Banking, and lists 087 575 9408 for personal banking.

What an IT3(b) shows

SARS lists the IT3(b) as the certificate for "Income from Investments, Property Rights, Royalties and/or Withholding Tax on Interest". For most people it reports the interest a bank account or investment earned in the tax year, which for the 2026 filing season is 1 March 2025 to 28 February 2026.

Make it SARS-ready before you upload

When you do upload the IT3(b) certificate, for a correction or a verification, the file has to pass eFiling's upload checks:

  • Under 5MB per file. A multi-page phone photo or a high-resolution scan can go over the limit.
  • Not password-protected. SARS lists password-protected and encrypted documents from banks and funds as a cause of failed uploads. The file opens for you but eFiling rejects it.
  • Readable. Your name, the account number, the tax year and the interest figures must be legible after any compression.
  • A plain filename. Use letters, numbers and hyphens only, for example fnb-it3b-2026.pdf.
The fix for a protected or oversized PDF: Open the certificate, print it or display it clearly on screen, and scan it as a new PDF. A fresh scan carries no encryption, and TaxScanZA exports it under 5MB with a clean filename.

If the figure on your return is wrong

SARS's ITR12 guide says auto-assessments use data received from "employers, financial institutions, medical schemes, retirement annuity fund administrators and other third-party data providers". If the interest figure on your return does not match your certificate, SARS's auto-assessment guidance is to ask the institution that provided the data to correct it and send the updated data to SARS. Then open your return again, check that the figure has updated, and file. Keep the certificate: it is your proof if SARS asks.

Check the file before you upload

Run the certificate through the SARS Document Compliance Checker. It flags encrypted PDFs, oversized files and filenames eFiling may refuse, in your browser, without uploading anything. Then follow the upload rejected guide for the eFiling submission itself.

See also encrypted PDF upload error and the supporting documents checklist. Bank somewhere else? See the IT3(b) guides for Absa, Standard Bank and Nedbank.

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