Banking & Finance · Contact details
Standard Bank Revolving Loan Contact Details
For Standard Bank personal loans, including the Revolving Loan (Revolving Credit Plan), call 0860 123 000. Home loan (mortgage) queries go to 0860 123 001 or personalbankinghomencar@standardbank.co.za. If your loan is in arrears, call 086 100 1868. You can apply for a loan, or raise a Revolving Loan limit, online or in the Standard Bank app. We read these details on standardbank.co.za on 19 September 2026.
Standard Bank loan contact numbers
| What you need | Contact |
|---|---|
| Personal banking and loan queries | 0860 123 000, personalbanking@standardbank.co.za |
| Home loans (mortgage) general enquiries | 0860 123 001, personalbankinghomencar@standardbank.co.za |
| Loans or home loans in arrears | 086 100 1868 |
| Loan protection plan | 0860 123 999 |
| Debt Care Centre | 0860 111 400 |
| Complaints | 0860 101 101 |
| Fraud (24 hours) | 0800 222 050 |
Standard Bank Revolving Loan
A Revolving Loan lets you re-use the money you have paid back, up to your approved limit. To raise the limit on Online Banking:
- Sign in and click the Borrow tab.
- On the Revolving Credit Plan tile, select Increase My Limit.
- Complete the affordability assessment to see how much you qualify for.
- If the increase is approved, you get an estimated quote. Select Continue and follow the steps.
In the Banking App, tap More, then Open a new account, then Personal Lending, then Revolving Loan, then See what you can get, and tap Increase Limit. Standard Bank says that if an increase is approved in the app, you receive the money immediately. It suggests raising an existing limit instead of taking out another loan, because a longer credit history can help your credit score.
Increasing an overdraft limit
- Online Banking: click the Transact tab, go to Manage, and select Overdraft Limit.
- Banking App: tap your transactional account widget, scroll to the Overdraft tile, and tap Increase limit.
- ATM: Standard Bank says you can also change your overdraft limit at AutoPlus ATMs.
Standard Bank gives three reasons to increase an existing limit instead of taking out a new loan: you have emergency funds available without a new application, you avoid juggling repayments on several loans, and you keep a longer credit history. Every increase depends on an affordability assessment. If you are not sure whether a Revolving Loan or a fixed-term loan suits you, use “Do I Qualify” on the personal loans page, or the loan calculator, which estimates repayments for amounts between R500 and R300,000.
Personal loans
- Personal loans of up to R300,000, with a personalised interest rate on fixed-term loans.
- Repayment terms from 12 to 72 months.
- UCount Rewards points can be used to help pay off the loan.
- Apply online through Internet Banking or in the Banking App and get a quote in minutes. Without the app, visit a branch or contact your banker.
- For loan consolidation in the app, go to More, then Open or Add an account, then Personal Lending, then Loan Consolidation, then See what you can get. Standard Bank then calls you back.
Standard Bank mortgage loan: AccessBond
With AccessBond, you can draw on extra money you have paid into your home loan by linking it to a Standard Bank bank, savings or business account. You choose whether extra payments reduce your instalment or stay available to use. Transfers are made at ATMs or on online banking in multiples of R1,000. Electronic transfers are free, but cash deposit fees apply. The facility is switched off if you miss a payment, and you may have to reapply once the account is up to date. Vacant land, JumpStart, cost-inclusive, building and commercial loans are excluded.
If you fall behind on a loan
Call 086 100 1868 about home loan, vehicle, credit card, personal loan or overdraft arrears. Standard Bank offers a Promise to Pay arrangement (arrears plus instalment over up to three months), a respread of arrears, and payment holidays. For wider debt relief, the Debt Care Centre is on 0860 111 400 or debtcarecentre@standardbank.co.za.
Sources
- Standard Bank, How to increase your Revolving Loan or Overdraft limit: standardbank.co.za/southafrica/personal/learn (read 19 September 2026)
- Standard Bank, Personal loans and AccessBond pages: standardbank.co.za (read 19 September 2026)
- Standard Bank, Contact us details and Are you in arrears: standardbank.co.za (read 19 September 2026)