Cash-backed Lending

As an existing customer, you can secure a loan valued at up to 100% of cash deposits you hold in a qualifying account.
£
25 000
Minimum loan
$
30 000
Minimum loan
1 to 5 years
Loan term
0.5% of loan amount
*
Arrangement fee
0.5% of loan amount
*
Arrangement fee
GBP, USD
Supported currencies
*
subject to a minimum of £1 000
*
subject to a minimum of £1 000 currency equivalent
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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