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    Prepare now for a period of lower interest rates
    The extreme volatility in the global economy and financial markets over the past few years are a stark reminder that uncertainty lurks around every corner. Global stock markets have see-sawed from extreme highs to record lows over the past few years, leaving ordinary investors unsure of what to expect.
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    African generational tensions regarding the transfer of wealth
    As directors of trust companies forming part of Africa’s largest bank by assets, with a presence in 19 African countries, it is fair for us to say that we have significant experience implementing estate and succession plans for families with African connections. Whilst we absolutely acknowledge that each family is unique, as are their estate and succession planning needs, we do still see threads of commonality when we are approached by families wishing to establish fiduciary structures.
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Cash-backed Lending

Use your deposits as security for an international loan

Qualifying cash, term and notice deposits you hold with us can unlock a world of opportunity. Apply online today for a Deposit-backed Loan that is both quick and simple to activate.

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As an existing customer, you can secure a loan valued at up to 100% of cash deposits you hold in a qualifying account.

Benefits of cash-backed loan

Easy access

Deposits held in a Call or Instant Access account serve as collateral for your personal loan

Full access

Realise the full value of your deposits if your loan is in the same currency as your deposit

Choice

Exercise the option to request a guarantee should this be preferred over a personal loan

Simplicity

Enjoy the benefit of quarterly interest payments that minimise monthly transactions
How it works
  • Borrow against your cash or deposits held in an International Saver account, 1-Year Fixed Term Deposit or Structured Product
  • Borrow between 50% and 95% of the value of your deposits, depending on the account currency and type, time to maturity and notice period
  • Loans against cash deposits can unlock 100% of the value of your deposits, if the loan is in the same currency
  • If the cash deposit and loan currency differ, a security margin of 10% or 20% is required
  • ‘Rolled-up’ interest is settled when the loan expires, using proceeds from your deposit account
  • Interest is applied quarterly in arrears and settled when your deposit matures or the notice period expires
  • You are required to maintain a minimum balance equivalent to the loan amount, which must be mandated to the Bank for the full term of the loan

See Cash Backed Lending Factsheet

 

What you need
  • You need an existing qualifying Standard Bank Call or instant access account, term deposit or Structured Product
  • How it works
  • What you need
  • Borrow against your cash or deposits held in an International Saver account, 1-Year Fixed Term Deposit or Structured Product
  • Borrow between 50% and 95% of the value of your deposits, depending on the account currency and type, time to maturity and notice period
  • Loans against cash deposits can unlock 100% of the value of your deposits, if the loan is in the same currency
  • If the cash deposit and loan currency differ, a security margin of 10% or 20% is required
  • ‘Rolled-up’ interest is settled when the loan expires, using proceeds from your deposit account
  • Interest is applied quarterly in arrears and settled when your deposit matures or the notice period expires
  • You are required to maintain a minimum balance equivalent to the loan amount, which must be mandated to the Bank for the full term of the loan

See Cash Backed Lending Factsheet

 

  • You need an existing qualifying Standard Bank Call or instant access account, term deposit or Structured Product
We also offer
Accessible Investments
Accessible investments

Get exposure to global stocks as well as a mix of bonds and cash to build up your international investment portfolio.

Certainty and security
Certainty and security

See your money grow in an international savings account at a fixed interest rate for a fixed period.

International bank accounts
International bank accounts

Open an international bank account today to support your global lifestyle and wealth management

Long-term savings
Long-term saving

Put money you don’t need immediately into an international notice savings account that offers higher rates the longer your notice period.