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Deposit-backed Lending

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A secured personal loan that is as flexible as your international lifestyle needs are wide-ranging.

Benefits of Deposit-backed loan

Quick and simple

It makes sense to unlock the value of your cash deposits through an international loan

Your choice

Lend against deposits in an International Saver, Fixed Term or Structured Product account

Generous terms

You can borrow between 50% and 95% of the value of deposits you hold with us

Tailored solution

You can set the duration of the loan term to meet your specific short-term needs
How it works
  • You can borrow against your deposits in an International Saver, Fixed Term Deposit or Structured Product account
  • Borrow between 50% and 95% of the value of your deposits, depending on the type of deposit and time to maturity
  • Interest is applied quarterly in arrears and settled when the deposit account matures or the notice period expires
  • A minimum balance equivalent to the loan amount must be held and mandated to the Bank for the full term of the loan

See Deposit-backed fact sheet

How to get it
  • An existing applicable Standard Bank savings account
  • How it works
  • How to get it
  • You can borrow against your deposits in an International Saver, Fixed Term Deposit or Structured Product account
  • Borrow between 50% and 95% of the value of your deposits, depending on the type of deposit and time to maturity
  • Interest is applied quarterly in arrears and settled when the deposit account matures or the notice period expires
  • A minimum balance equivalent to the loan amount must be held and mandated to the Bank for the full term of the loan

See Deposit-backed fact sheet

  • An existing applicable Standard Bank savings account
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