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Cash-backed Lending

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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
  • Access the value of international deposits held in a Call or instant access account
  • Unlock 100% of the value of your deposits if the loan is in the same currency
  • If the deposit and loan currency differ, a security margin of 10% or 20% is required
  • Interest is charged quarterly in arrears
  • You have the option to request for the loan to be renewed
  • 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
  • This means your loan credit limit may never exceed the value of your deposits with us

See Cash Backed Lending Factsheet

 

What you need
  • An existing Standard Bank instant access account
  • How it works
  • What you need
  • Access the value of international deposits held in a Call or instant access account
  • Unlock 100% of the value of your deposits if the loan is in the same currency
  • If the deposit and loan currency differ, a security margin of 10% or 20% is required
  • Interest is charged quarterly in arrears
  • You have the option to request for the loan to be renewed
  • 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
  • This means your loan credit limit may never exceed the value of your deposits with us

See Cash Backed Lending Factsheet

 

  • An existing Standard Bank instant access account
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Get exposure to global stocks as well as a mix of bonds and cash to build up your international investment portfolio.

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

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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.