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- How it works
- Benefits
Flexible credit for your wider financial life
Your financial life rarely moves in separate parts. Your home, family, work, lifestyle, and plans are connected, which is why access to credit should align with your broader financial plans.
How it works
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Apply for a revolving credit facility of up to R1 million, subject to your credit profile, affordability, and approval.
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Transfer money from your facility when you need it, using the Money app, Online Banking or your banker's help.
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Repay what you have used and then access the available amount again within your approved limit.
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Repay a minimum of 3.5% of your outstanding balance or R250, whichever amount is higher.
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Settle the facility early without penalties.
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Apply on the Money app.
For banking that meets your needs
Ongoing access
Use, repay and reuse your approved credit without reapplying each time.
Flexible repayment
Repay at least the minimum monthly amount, with the option of paying more when it suits you.
Pay-as-you-use fees
A monthly service fee applies only when your outstanding balance is R350 or more. You’ll pay an initiation fee the first time you use the facility, not when you apply.
Digital convenience
Access and manage your facility through the Money app or Online Banking.
Human support
You can speak to your private banker if you would like help with understanding how the facility could work for your needs.
Added protection
Optional credit life insurance is available if you would like an extra layer of protection.
Ways you can use your revolving credit facility
Pay education or family expenses on time.
Manage home improvement, repairs or renovations.
Bridge a short-term cash flow gap.
Support a professional or business opportunity.
Cover an unexpected medical, household or vehicle expense.
Access funds while waiting for income, proceeds or other funds to clear.
Ready to enable your revolving credit facility?
Some see available credit. We see confidence for the moments that matter. Enable your revolving credit facility on the Money app or speak to your private banker.
