FNB

When you're choosing a bank for real financial decisions—a bond for property on the Heads, a business overdraft for a tourism venture, or investment accounts—what actually matters is whether the people helping you understand your situation and give you options that fit. FNB brings scale and specialisation: their mortgage teams know the Garden Route property market, their business banking supports entrepreneurs beyond just opening an account, and their investment division can discuss retirement planning strategies rather than pushing products. The difference between a good banker and a mediocre one is whether they ask questions first or assume they know what you need. Experience in Knysna matters because the town's economy is distinct—FNB's local team has seen what works and what doesn't.