Bank how and when you choose to, with the low fees or extra benefits you want.
Shop online or instore and earn rewards for it, with up to 55 days interest-free credit.
See how to bank in your own time, 24/7 online, on your phone or on the Money app.
Personalised interest rates for affordable loans from R2,000 to R300,000.
Loan up to 100% of the property value or up to 105% if you are a first-time buyer.
Safety, convenience and rewards
For under 16s, or under 25s
For a professional banking experience
Your phone is your bank account
The globally integrated account
Easy access to interest earned
Money available at any time
Cash in your hand the next day
Funds ready within a month
Investments left until maturity
R0.00
R0.00
R0.00
0.25%
27.5%
The interest rate is based on the current prime lending rate in South Africa. Please note that your interest rate will be based on factors such as your credit score and the size of your deposit.
Bond registration cost
The fees you pay the bond registration attorneys for the service of registering your bond over the title deed of the property.
Deeds office fee
You pay this fee to the deeds office to cover the registration of the bond.
Transfer costs
You pay this fee to the transferring attorneys to cover the costs of transferring the property into your name.
Deeds office fee
You pay this fee to the deeds office to cover the transfer of the property into your name.
Transfer duty
Transfer duty is a tax levied on the value of the property, and is payable to the South African Revenue Service (SARS). You don't pay transfer duty on properties of less than R1 million.
Bank initiation fee (including VAT)*
This is a fee the bank charges you to process your home loan application and it is prescribed by the National Credit Act.
Disclaimer: Although we do our best to give you accurate calculations, they will not be binding on us. Our transfer and bond cost calculations are also estimates. If you are planning to buy property in a new development, some costs may be included in the price. Ask the seller or estate agent for the details of these costs, or check your sales agreement.
R0.00
R0.00
Bond registration costs
The fees you pay the bond registration attorneys for the service of registering your bond over the title deed of the property.
Deeds office fee
You pay this fee to the deeds office to cover the registration of the bond.
Transfer costs
You pay this fee to the transferring attorneys to cover the costs of transferring the property into your name.
Deeds office fee
You pay this fee to the deeds office to cover the transfer of the property into your name.
Transfer duty
Transfer duty is a tax levied on the value of the property, and is payable to the South African Revenue Service (SARS). You don't pay transfer duty on properties of less than R1 million.
Bank initiation fee (incl. VAT)*
This is a fee the bank charges you to process your home loan application and it is prescribed by the National Credit Act.
Disclaimer: Although we do our best to give you accurate calculations, they will not be binding on us. Our transfer and bond cost calculations are also estimates. If you are planning to buy property in a new development, all costs may be included in the price. Ask the seller or estate agent for the details of these costs, or check your sales agreement.
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