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Deposit-backed Lending

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Deposit-backed loan product page banner

Get easy access to a personal loan secured against cash you hold with us in a term savings account.

Some of the benefits

No fuss

Release equity against money you already have deposited with the bank

Convenient

Ideal way to access funds you have tied up in a term or notice savings account

Flexibility

Access between 50% and 95% of the value of your savings account

Simplicity

Flexible loan terms and amounts simplify your access to money
How it works
  • You can borrow against money you have in an International Saver, Fixed Term Deposit or Structured Product account
  • Access between 50% and 95% of your money, depending on the type of deposit and time left to maturity
  • Interest is applied quarterly in arrears and settled when your savings become available

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 money you have in an International Saver, Fixed Term Deposit or Structured Product account
  • Access between 50% and 95% of your money, depending on the type of deposit and time left to maturity
  • Interest is applied quarterly in arrears and settled when your savings become available

See Deposit-backed fact sheet

  • An existing applicable Standard Bank savings account
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