How to Get Standard Bank Overdraft<\/strong><\/h2>\n

If you\u2019re a Standard Bank customer:<\/strong><\/p>\n

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• You can apply on this page, by clicking \u2018Apply Now\u2019<\/li>\n
• You can apply for an Overdraft on our Banking App:\n
  \n
  • Sign in and tap on your transactional account widget<\/li>\n
  • Scroll down until you see the Overdraft tile (Only visible to customers who qualify)<\/li>\n
  • Click \u201cApply\u201d and follow the steps<\/li>\n
  • Accept your offer<\/li>\n<\/ul>\n<\/li>\n
  • You can apply for an Overdraft via Internet Banking:\n
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    • Sign into Internet Banking<\/li>\n
    • Click on the \u201cBorrow\u201d tab<\/li>\n
    • Complete the affordability assessment and follow the simple steps<\/li>\n
    • If your Overdraft has been approved, you will receive a final offer<\/li>\n
    • Accept the offer\n

      Or<\/li>\n

    • Select \u201cManage\u201d on your transactional account on your dashboard<\/li>\n
    • Select \u201cOverdraft Limit\u201d, then click \u201cContinue\u201d and follow the prompts\n

      Or<\/li>\n

    • Click \u201cTransact\u201d on your Internet Banking home screen<\/li>\n
    • Select \u201cManage\u201d then click on \u201cOverdraft Limit\u201d<\/li>\n
    • Follow the prompts to unlock your overdraft facility\n

      Or<\/li>\n

    • Click “Profile & Settings”, select ‘Overdraft Limit’<\/li>\n
    • Click “Continue”\u00a0and follow the prompts<\/li>\n<\/ul>\n<\/li>\n
    • \u00a0Call us on (010) 249 0134, or<\/li>\n
    • Visit your nearest branch<\/li>\n<\/ul>\n

      If you\u2019re a non-Standard Bank customer:<\/strong><\/p>\n

      \n
      • \u00a0Open a transactional account* to access our credit facility<\/li>\n
      • You\u2019ll need a minimum monthly income of R8 000<\/li>\n
      • You can:\n
        \n
        • Apply for a bank account online, or<\/li>\n
        • Call us on (010) 249 0134, or<\/li>\n
        • Visit your nearest branch<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

          ^{*The overdraft facility isn\u2019t available on Access Accounts. You must be over 18 to apply.
          \n*Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.<\/sup><\/p>\n}

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          The maximum loan amount is R200 000. No minimum monthly repayments apply. The facility is topped up when your income is deposited into your account. The monthly service fee is R69 and the once-off initiation fee depends on the loan amount, ranging from a minimum of R86.25 to a maximum of R1207.50 (VAT inclusive). Our interest rates are personalised and range from a minimum of prime plus 1.5% to a maximum of prime plus 10.5% as per the NCA regulation. The Annual Percentage Rate (APR) for your personal loan is a maximum of prime plus 10.5%.<\/p>\n

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