Banking & Finance · Contact details
Standard Bank Loans Contact Details
Standard Bank does not publish a separate loans department number. Its loan pages carry no dedicated line, so personal loan queries go through personal banking on 0860 123 000. If you are struggling to repay a loan, there is a different and better number: the Debt Care Centre on 0860 111 400. We read these details on standardbank.co.za on 24 September 2026.
Standard Bank loan contact details
| Personal banking | 0860 123 000 |
|---|---|
| Debt Care Centre | 0860 111 400 |
| Debt restructure email | DCCrestructures@standardbank.co.za |
| Business banking | 0860 109 075 |
| Complaint Resolution Centre | 0860 101 101 or 010 249 0057 |
| Complaints email | complaint.resolutioncentre@standardbank.co.za |
| Lost or stolen card | 0800 020 600 |
| Report fraud | 0800 222 050 |
Why there is no loans department number
We checked the personal loans pages, including the loan comparison, the calculator, overdrafts and loan consolidation. None of them publishes a telephone number of its own. The only numbers on those pages are the ones in the site’s global footer, which appear on every Standard Bank page.
So a search for a loans department number will not find one, because the bank does not operate a separate public line for loans. 0860 123 000 is personal banking and it is the published entry point.
Standard Bank routes new loan applications through its app and online banking rather than by telephone. The application route on the site is Apply Now, not a number to call.
If you are behind on a loan, call 0860 111 400
This is the useful one, and it is easy to miss because it sits under Customer Solutions rather than under loans.
The Debt Care Centre exists for customers in financial distress. Standard Bank describes it as providing a personalised debt relief solution tailored to your needs. The published number is 0860 111 400, alongside a call-back request and an online application.
DCCrestructures@standardbank.co.za is where restructure documentation goes.
Call it before you miss a payment rather than after. Arrears that have already accumulated narrow the options available to you.
The debt solutions on offer
Standard Bank lists four, and knowing the names means you can ask for the right one instead of describing your situation and hoping.
- Term extension, which lengthens the loan period to reduce the monthly repayment.
- Re-spread of arrears, which spreads an outstanding arrears amount over the remaining repayment term instead of demanding it in one payment.
- Payment holiday, an agreement to pause part or all of the repayment for an agreed period, after which full payments resume.
- Debt consolidation, combining debts into a single loan, which the bank says may reduce overall interest rates and monthly repayments.
A payment holiday pauses the payment, not the interest. Ask what the total cost of the loan becomes under each option before you accept one, because a lower monthly figure usually means paying more overall.
The published process is four steps: apply online, select a debt relief solution, provide the requested information, and upload supporting documentation.
Note that Standard Bank treats debt relief and debt review as different things, and answers that question directly in its own Debt Care Centre FAQ. Debt review is a formal legal process, so read that answer before agreeing to either.
If the loans answer is wrong
Standard Bank’s Complaint Resolution Centre is 0860 101 101 or 010 249 0057, with complaint.resolutioncentre@standardbank.co.za.
Go to personal banking first and get a reference number. The resolution centre will ask for it, and a complaint without one starts from the beginning.
Loan scams and what the bank will not do
Report suspected fraud on 0800 222 050, or +27 10 824 2090 from outside South Africa. A lost or stolen card is 0800 020 600.
Advance-fee loan scams target people searching for loan numbers. Standard Bank does not ask you to pay a fee up front to release an approved loan, and it does not approve loans over WhatsApp or through a Facebook page. If you are asked to pay something to get money, it is not the bank.
Reach the bank by dialling the numbers above yourself, or from the app, rather than through a number sent to you in a message.
Before you call
Have your identity number and your loan or account number.
For a settlement figure, ask for it in writing and note the date it is valid until, since settlement quotes expire.
For the Debt Care Centre, have your income and expenses to hand. The conversation is about what you can realistically pay each month, and you will be asked.
Standard Bank publishes no operating hours for these lines, so treat them as weekday business hours.
Frequently asked questions
What is the Standard Bank loan contact number?
Personal banking on 0860 123 000. There is no separate loans department number: the loan pages publish none of their own.
What is the number if I cannot repay my Standard Bank loan?
The Debt Care Centre on 0860 111 400. Restructure documentation goes to DCCrestructures@standardbank.co.za. Call before you miss a payment, since arrears narrow the options.
How do I apply for a Standard Bank loan online?
Standard Bank routes new loan applications through its app and online banking rather than by telephone. The application route on the site is Apply Now.
What debt solutions does Standard Bank offer?
Four: term extension, re-spread of arrears, payment holiday and debt consolidation. The process is apply online, select a debt relief solution, provide the requested information, and upload supporting documentation.
Sources
- Standard Bank Debt Care Centre page, standardbank.co.za, for 0860 111 400, DCCrestructures@standardbank.co.za, the four debt solutions and the four-step process (read 24 September 2026)
- Standard Bank personal loans pages, including our loans, compare loans, the calculator, overdraft and loan consolidation, none of which publishes a loans-specific number (checked 24 September 2026)
- Standard Bank contact page, for personal and business banking, the Complaint Resolution Centre, lost card and fraud numbers (read 24 September 2026)