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Standard Bank

A major South African banking group. Confirm current registration on the South African Reserve Bank's list of registered banks.

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About Standard Bank

A major South African banking group. Confirm current registration on the South African Reserve Bank's list of registered banks.

Standard Bank is listed on WiT Money where a published comparison uses this name. The products sit in these directories: Banks, Credit providers, Business finance providers, Car finance providers, Home loan providers, Trading platforms.

The linked comparisons are Business bank accounts, Business credit cards, Card machines, Business loans, Asset finance, Equipment finance, Business overdrafts, Personal loans, Short-term loans, Debt consolidation, Student loans, Car finance, Home loans, Home improvement loans, Secured loans, Credit cards, Savings accounts, Notice accounts, Share trading, Commodities trading.

The source material names Standard Bank of South Africa Limited. That wording was not re-checked against a register, and the brand on a page can differ from the company on a contract.

A profile is not an endorsement, a rating or a promise that a product is suitable. Registration of a firm does not set the terms of a particular account, policy or investment, and it does not mean the product is free from loss.

Legal name in the source material. Standard Bank of South Africa Limited

Products and services on WiT Money

These are the published WiT Money records for this name. A company in a large group is not assumed to offer every product sold under a similar brand.

Business bank accounts

  • MyMoBiz

    Pay-as-you-transact business account; digital banking

    R15 a month, recorded as the published base account fee. Transaction charges are not included.

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  • MyMoBiz Plus

    Bundled transactions; 10 electronic payments; card

    R175 a month, recorded as the published base account fee. Transaction charges are not included.

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  • Business Current Account

    Business payments, online banking and card

    From R105 a month. The bank describes this as a minimum, and the fee varies by turnover. Transaction charges are not included.

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  • BizLaunch

    Bundled transactions; business tools and guidance

    R315 a month, recorded as the published base account fee. Transaction charges are not included.

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  • BizLaunch Plus

    Business relationship management and digital channels

    R700 a month, recorded as the published base account fee. Transaction charges are not included.

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Business credit cards

  • Business Credit Card

    Up to 55 days interest free subject to terms; minimum 5% repayment

    R50 a month, recorded as the published card fee. Interest, cash advances and other charges are not included.

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  • Corporate Charge Card

    Generally full settlement; provider advertises R550 yearly

    R550 a year, as published by the bank. This is not a monthly fee, and other charges are not included.

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  • Business Garage Card

    Fuel and vehicle expense management; R600 annual published

    R600 a year, as published by the bank. This is not a monthly fee, and other charges are not included.

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Card machines

  • Standard Bank Merchant Solutions

    Card terminals; merchant processing

    Quote dependent; confirm minimums and payout

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Business loans

  • Business Term Loan

    Credit assessment, accounts and affordability

    Personalised interest and charges

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Asset finance

  • Vehicle and Asset Finance

    Asset and affordability checks

    Fixed or prime-linked rate; fees quoted

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Equipment finance

  • Capital Equipment Financing

    Equipment quote, affordability

    Fixed or linked interest, fees quoted

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  • Commercial Vehicle Finance

    Vehicle quotation and repayment capacity

    Fixed or linked rate; fees

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Business overdrafts

  • Business Overdraft

    Business current account and approval

    Personalised interest on used balance; fees

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Personal loans

  • Mainstream personal loan

    Minimum monthly income R3,000 (term loan); affordability

    Personalised; stated cap prime +17.5%. Initiation: R419.75–R1,207.50. Service fee: R69.

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Short-term loans

  • Budget Flex

    Eligibility depends on customer and supported spending

    0% interest; fees apply. Initiation: Once-off fee applies; amount not captured. Service fee: Personalised monthly fee.

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Debt consolidation

  • Loan Consolidation

    18+ SA citizen/permanent resident, ≥R3,000 income, qualifying fixed-term loans

    Personalised. Initiation: No initiation fee. Service fee: R69/month.

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Student loans

  • Student Loan with Surety

    SA citizen; accredited institution; guarantor for full-time; part-time income ≥R5,000

    Personalised; conflicting published 10.5–18.5% vs 10.75–18.75%. Initiation: Published fee ranges conflict across official pages. Service fee: R69/month shown by provider.

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  • Student Loan without Surety

    Full-time SA student; participating university/course; household income limits; availability subject to reopening

    Not verified. Initiation: Not verified. Service fee: Not verified.

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Car finance

  • Vehicle Finance

    Vehicle instalment finance

    Personalised; verify quote. Initiation, monthly service, insurance: verify

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Home loans

  • Residential Home Loan

    New residential mortgages

    Personalised, often linked to prime. Bond registration, conveyancing, initiation and monthly fees to verify

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Home improvement loans

  • Home Loan Extension / Re-advance

    Re-advance or additional registered bond

    Personalised mortgage rate. Bond registration costs for additional bond; no registration for readvance

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Secured loans

  • Home Loan Extension

    Home equity / additional security

    Personalised. Registration fees for additional bond

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Credit cards

  • Standard Bank Gold Credit Card

    Subject to credit and affordability assessments

    R64 monthly card fee, as published. Interest and other charges are not included.

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  • Standard Bank Titanium Credit Card

    Subject to credit and affordability assessments

    R110 monthly card fee, as published. Interest and other charges are not included.

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  • Standard Bank Platinum Credit Card

    Subject to credit and affordability assessments

    R140 monthly card fee, as published. Interest and other charges are not included.

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Savings accounts

Notice accounts

Share trading

  • AutoShare Invest

    JSE shares and ETFs

    0.15% brokerage; 0.12% annual safe-custody fee charged monthly

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  • Online Share Trading (OST)

    JSE equities, derivatives, warrants and training

    R110 monthly headline; 0.25% on product overview but detailed cost schedule lists differing share tariff: verify before publishing

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  • Webtrader offshore

    International shares, ETFs, FX spots, commodities and CFDs

    Administration, dealing, FX, financing and offshore charges: get current tariff

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Commodities trading

  • JSE commodity futures through OST

    Commodity futures on locally offered securities platform

    Brokerage, exchange/clearing, margin financing and product spread vary

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Published product details

  • Pay-as-you-transact business account; digital banking
  • Bundled transactions; 10 electronic payments; card
  • Business payments, online banking and card
  • Bundled transactions; business tools and guidance
  • Business relationship management and digital channels
  • Up to 55 days interest free subject to terms; minimum 5% repayment
  • Generally full settlement; provider advertises R550 yearly
  • Fuel and vehicle expense management; R600 annual published

Advantages and considerations

These points come from individual product records. They are not a general review of the company.

Recorded strengths

  • MyMoBiz. Low published account fee
  • MyMoBiz Plus. Bundled banking could help predictable activity
  • Business Current Account. Broad business banking services
  • BizLaunch. Start-up-oriented services
  • BizLaunch Plus. High-touch services
  • Business Credit Card. Expense tracking, rewards, published card fee
  • Corporate Charge Card. Expense management
  • Corporate Charge Card. Company spending controls

Recorded limits

  • MyMoBiz. Per-transaction costs can add up
  • MyMoBiz Plus. Bundle caps and out-of-bundle charges
  • Business Current Account. Published amount is minimum
  • Business Current Account. Fees vary by turnover
  • BizLaunch. Higher package fee than entry-level accounts
  • BizLaunch Plus. Substantial monthly account fee
  • Business Credit Card. Interest and repayment conditions apply
  • Business Credit Card. Credit is not free

Fees and costs

  • R15 a month, recorded as the published base account fee. Transaction charges are not included.
  • R175 a month, recorded as the published base account fee. Transaction charges are not included.
  • From R105 a month. The bank describes this as a minimum, and the fee varies by turnover. Transaction charges are not included.
  • R315 a month, recorded as the published base account fee. Transaction charges are not included.
  • R700 a month, recorded as the published base account fee. Transaction charges are not included.
  • R50 a month, recorded as the published card fee. Interest, cash advances and other charges are not included.

A missing fee is not shown as R0. Where no figure is published, the price has to come from the provider.

Regulatory information

  • SARB/PA member bank; confirm entity
  • Direct lender
  • Published base account/card fee only; 2026 price guide and all variable fees require checking
  • Bank lender
  • Term shown inconsistently on same official page: 12–72 body and 12–84 data.
  • Bank states up to three qualifying fixed-term loans.
  • Do not publish a current rate band pending reconciliation of the provider's official pages.
  • The provider’s page said applications were closed.

An authorisation, where one exists, is for particular activities. It is not an endorsement by the regulator, and it does not mean a product is suitable.

Compare Standard Bank on WiT Money

Sources and how this profile was reviewed

Research dates on the underlying records run to 29 October 2026. Rebuilding this page did not re-check every register entry.