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Deposit-backed Lending

Borrow against your deposits in an International Saver account

Simply borrow in pounds sterling or US dollars, depending on the currency of your deposits.

View in your preferred currency:
Deposit-backed loan product page banner

Unlock the potential held in your international deposits with a secured personal loan that is both flexible and customisable.

Benefits of a Deposit-backed Loan

A known entity

Available to existing clients who hold qualifying international deposits with us in the Isle of Man

Simplicity

Interest is settled using the proceeds from your deposit account when the loan term expires

Favourable terms

Unlock up to 95% of the value of eligible deposits with this flexible loan facility

Currency choice

Borrow in pounds sterling or US dollars, depending on the currency of your deposits
How it works
  • Borrow against your deposits in an International Saver account, 1-Year Fixed Term Deposit or Structured Product
  • Access between 50% and 95% of the value of your deposits, depending on the account type, time to maturity and notice period
  • ‘Rolled-up’ interest is settled when the loan expires using proceeds from your deposit account
  • Interest is applied quarterly in arrears and settled when your deposit matures or the notice period expires
  • You are required to maintain a minimum balance equivalent to the loan amount, which must be mandated to the Bank for the full term of the loan

See Deposit-backed Loan fact sheet

 

How to get it
  • You need an existing qualifying Standard Bank savings account, term deposit or Structured Product
  • How it works
  • How to get it
  • Borrow against your deposits in an International Saver account, 1-Year Fixed Term Deposit or Structured Product
  • Access between 50% and 95% of the value of your deposits, depending on the account type, time to maturity and notice period
  • ‘Rolled-up’ interest is settled when the loan expires using proceeds from your deposit account
  • Interest is applied quarterly in arrears and settled when your deposit matures or the notice period expires
  • You are required to maintain a minimum balance equivalent to the loan amount, which must be mandated to the Bank for the full term of the loan

See Deposit-backed Loan fact sheet

 

  • You need an existing qualifying Standard Bank savings account, term deposit or Structured Product
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Open an international bank account today to support your global lifestyle and wealth management.

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Look no further than an Offshore Reserve savings account as a way to save in any of four different currencies, including ZAR

Long-term savings
Long-term saving

Put money you don’t need immediately into an international notice savings account that offers higher rates the longer your notice period.

Accessible Investments
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Get exposure to global stocks as well as a mix of bonds and cash to build up your international investment portfolio