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Q Contact Us


5 Simmonds St, Marshalltown, Johannesburg, Gauteng

Q Personal and Business Banking

Personal, Business and Commercial Banking offers banking and other financial services to individual customers and businesses � from small to large enterprises in South Africa and 17 countries in sub-Saharan Africa. We strive to continuously maintain high standards of service to our customers.

We aim to grow our presence selectively in high potential markets in Africa and in other emerging markets, either organically or by acquisitions, where appropriate.

We offer a range of solutions to our customers � from the most basic to the most sophisticated of financial services � and ensure that our customers� requirements are always met through the most cost effective and convenient method.

Q Our values

Serving our customers

We do everything in our power to ensure that we provide our customers with the products, services and solutions to suit their needs, provided that everything we do for them is based on sound business principles.

Growing our people

We encourage and help our people to develop to their full potential, and measure our leaders on how well they grow and challenge the people they lead.

Delivering to our shareholders

We understand that we earn the right to exist by providing appropriate long-term returns to our shareholders. We try extremely hard to meet our various targets and deliver on our commitments.

Being proactive

We strive to stay ahead by anticipating rather than reacting, but our actions are always carefully considered.

Working in teams

We, and all aspects of our work, are interdependent. We appreciate that, as teams, we can achieve much greater things than as individuals. We value teams within and across business units, divisions and countries.

Constantly raising the bar

We have confidence in our ability to achieve ambitious goals and we celebrate success, but we must never allow ourselves to become arrogant.

Respecting each other

We have the highest regard for the dignity of all people. We respect each other and what Standard Bank stands for. We recognise that there are corresponding obligations associated with our individual rights.

Upholding the highest levels of integrity

Our entire business model is based on trust and integrity as perceived by our stakeholders, especially our customers.

Q Our Strategy

The ultimate test of the group's strategy is whether it will enable us to deliver superior ROE and sustainable growth in earnings- either immediately or in the very near future, and whether superior performance will be sustained over the long term. We refreshed our strategy during the year to express this goal more explicitly, and to provide a strategic construct to guide the execution of the group strategy within our business units and enabling functions. Each of them are responsible for ensuring that their plans are aligned with the group strategy and values.

The rearticulated elements of our strategy encompass the group's purpose, the factors that underpin our legitimacy, our guiding principles and our vision. All of these elements express our belief that the long-term profitability of our group depends on the stability and wellbeing of our continent, and that our pursuit of profit in a competitive market will lead, in the main, to socially beneficial outcomes.

Our people and culture will determine our success in executing our strategy. As the foundation of our culture, our legitimacy is vitally important. It stems from our over 150-year heritage and is vested in the relationships we build with our customers, clients, employees, shareholders, regulators and other stakeholders. Our values underpin our legitimacy and are intended to reinforce the trust our stakeholders have in our organisation.

Our guiding principles are designed to enable us to make well-considered decisions quickly and effectively. They pertain to keeping the promises we make to our clients and the speed, efficiency and thoughtfulness with which we fulfil those promises; the culture of accountability, effective decision-making and social relevance we wish to build; and the way in which we execute our strategy. We are currently rolling out our guiding principles to the organisation, which is involving broad-based consultation on the practical implications of these principles for the way we work.

Our vision is to be the leading financial services organisation in, for and across Africa, delivering exceptional client experiences and superior value. Africa is our home, we drive her growth, and our vision provides us with a set of primary goals and a standard of excellence that ensures we deliver on our purpose.

Q Our People

We encourage and motivate our people to develop to their full potential.

Our vision recognises that people are our competitive advantage. Consequently ongoing focus is given to building stronger and deeper teams of talented people. We recognise that continual improvement is required in our people management processes to ensure we attract and retain talent.

Material employee ownership of shares in the bank fosters commitment to excellent performance, enhancing productivity and the nurturing of long-term relationships with customers.

Our culturally diverse staff reflects the richness and uniqueness of the countries we do business in.

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