FNB was the first bank to offer a smartphone app — in 2011 — and it continues to produce solid digital services and add-ons for clients. In 2016 it added the Nav (or nav) section to the app. The name comes from the idea of a "financial GPS" to guide users. Initially the first Nav services focused on the home, offering instant value estimates, a property search, "pre-approved" home loans, and a home services-related business directory. Hot on the heels of this, the Nav car section was launched to help manage car financing and annual registrations. Last month it added navmoney to give insight into your monthly spending habits, as well as "hints and tips on spending and saving". FNB is quick to point out — in the introductory message — that these do not constitute financial advice, so take them with a pinch of salt. Once you tap into the section, you see a "Track my spend" screen that shows money in and out of your FNB account in the previous month. You can swipe left for two more snap...

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