Current Account

A Standard Bank current account, also known as a cheque account, is a bank account that allows you to do easy, safe banking. Paying bills or transferring money to other accounts is simple and quick. Choose a cheque account suited to your income or life stage.

Accounts suited to your income

Your financial status is as dynamic as you are. Whether you are a self-starter, working adult, or high-flying executive, we have a solution for you.

Accounts suited to your life stage

Where you are in life makes a difference to your financial needs. That’s why we offer these unique current accounts for kids, students, professionals and over 55s.

Using your account

Keep payments simple with your Visa or MasterCard cheque card, accepted anywhere you see Visa, Maestro or MasterCard signs.

Highlights

  • Secure, quick and easy in-store purchases and online shopping
  • Free travel insurance when using your card to pay for flight tickets. Extra cover available from your branch, or call 0860 100 484
  • Withdraw cash, make deposits and transfers, top up prepaid services via our AutoPlus ATMs
  • Link your cheque card to 3 more cards and 9 accounts
  • All benefits apply equally to Visa and MasterCard options

Contactless

With contactless cards you can make easier, faster and safer purchases using an antenna embedded in your Standard Bank Credit Card. Making payments with a contactless card is safer because your card never leaves your hand when you swipe, dip or enter your PIN.

After the cashier rings up the amount to be paid, simply tap your credit card within 5cm of the terminal at the point of sale wherever you see a MasterCard® PayPass sign.

MasterPass™

MasterPass stores all your payment cards (both debit and credit) and shipping information in one convenient place: your smartphone. You create an account only once. After that you’ll skip checkout forms forever

Using MasterPass:

  • Sign up: Download the app, enter your personal and billing information in once and create a unique password.
  • Shop: When shopping online look for the MasterPass checkout button. Click on the MasterPass logo. A QR code will then be displayed on your screen. Simply scan the QR code or capture the reference number beneath the QR code. If you are using a MasterPass-enabled app or accessing the site on your mobile device, this information will be automatically included, so there is no need to scan a QR code.
  • Pay: You will either be asked to enter your bank card ATM PIN or an OTP, and the last three digits as they appear at the back of your card.
  • Deliver: Select your delivery address, after which your purchase is now complete!

More about MasterPass

SnapScan™

SnapScan is a simple smartphone app that lets you use your phone to pay for things in-store.

Using SnapScan:

  • Snap: Open the SnapScan app and use your phone’s camera to scan the SnapCode displayed at the checkout or with your bill. Tap on ‘Scan’ to identify the shop.
  • Pay: Enter the amount you want to pay and confirm payment with your secure 4-digit PIN.
  • Go: That's it. You're done. Your card never leaves your wallet!

More about SnapScan

Please have your card number or identity number handy and make a note of the reference number given to you by Customer Care. Your replacement card will have a new card number. If you have debit orders against your card account, you will need to give your new card number to the debit order recipients. To track your case, please call our Financial Crime Division on 010 249 0017. You will need to use the reference number given to you by the Lost Card Division.

More

Lost Card Protection

Lost Card Protection is a free service that protects you against loss caused by fraudulent use of your card if it is lost or stolen up to 24 hours prior to first reporting of the event to the bank.

Lost Card Protection does not cover transactions in which your PIN was used.

Once you report your card as lost or stolen, our Lost Card Division will issue you with a reference number, which you need to give to our Financial Crime Division in the event of fraudulent transactions appearing on your card account.

To track your case, please call our Financial Crime Division on 010 249 0017 with the reference number given to you by the Lost Card Division

Please note:

  • You are not protected against transactions in which your PIN is used.
  • You may not be protected if you fail to report the loss of your card as soon as possible, or if you compromised your card details to a third party, depending on the circumstances.
  • You will be liable for any fraudulent transactions that have not been reported within 60 days from the date of transaction.
  • If you have two cards and one of them is reported lost, do not use the additional card. If your card is linked to a garage card, don’t use your garage card until a new number has been allocated to you.

Guard you PIN

Credit cards are a safe way to make payments, provided you take some basic precautions.

You will use your same credit card PIN at ATMs and point of sale terminals. As with ATM withdrawals, make sure nobody sees you entering your PIN at the till. If you feel uncomfortable, stop the transaction and ask for your card.

Don’t tell anyone your PIN. You are responsible for all transactions where your PIN was used.

If you feel that your PIN is no longer secret and secure, head to your closest Standard Bank branch or Standard Bank AutoBank and select a new PIN of your choice.

Register for free MyUpdates

MyUpdates is an instant messaging system that notifies you every time there is any activity on your account. You’ll always get an update when funds are withdrawn – so you will always know if there were transactions that you didn’t make.

If you notice anything strange, such as a payment or transfer you did not authorise, then call us immediately on 0861 201 000

To register for MyUpdates, call 0860 123 107 or visit a Standard Bank branch. Please read the terms and conditions. Call us on 0860 123 107 if you have any questions.

Using the ATM

  • Stand close to the ATM.
  • Don't let anyone distract you.
  • If someone moves close to you after you your card, press ‘Cancel’ and take your card. Don’t enter your PIN.
  • Check your card before you leave the ATM to make sure it’s yours.
  • If you need help, ask a Standard Bank staff member. Don't accept help from strangers.
  • Never give anyone your PIN to anyone, including bank employees.
  • If you feel uncomfortable at an ATM, cancel your transaction and leave.
  • Don’t withdraw cash in deserted places.

Paying at point-of-sale (POS)

  • Never let your card out of your sight.
  • Don’t leave your card lying around.
  • If you can’t find your card, report it immediately by calling our Lost Card Division: 0800 020 600.

Preventing fraud:

Counterfeit cards

Fraudsters can duplicate your card, which they use to make illegal transactions on your account. They do this by 'skimming' (copying) your card details with a device placed in the ATM. To get your PIN, they will either place a camera somewhere, or watch you while you type in your PIN. Keep the ATM keypad covered when you enter your PIN.

Card swapping

Fraudsters will often pretend to help you when an ATM ‘swallows’ your card. They will mislead you into believing that your card is still in the ATM, when in fact they’ve already snapped it up and watched you enter your PIN.

Never let any stranger help you at an ATM. If someone interrupts you, cancel the transaction immediately and leave. Make sure you have your card with you.

Online purchases without a card

Nowadays, fraudsters don’t need to have your physical card to make fraudulent transactions. They can make online purchases with only your card details. Keep your card details secret. Always keep your card with you and never lose sight of it.

Travelling overseas

Please let us know when you’re going to travel overseas by calling Customer Care on 0861 201 000 or our Financial Crime Unit on 0800 301 450 or 0102 490 017.

By notifying us we can continue to monitor your account without making a call referral to authenticate a purchase you make.

Your credit card contains multiple technologies that make payments easier, whether you’re making a purchase at a merchant or shopping online:

  • With the contactless option your card never leaves your hand when you pay.
  • MasterPass safely saves all your payment and shipping details for easier and faster online shopping.
  • SnapScan is a simple smartphone app that lets you use your phone to pay for things in-store.

Your credit card contains multiple technologies that make payments easier, whether you’re making a purchase at a merchant or shopping online:

  • With the contactless option your card never leaves your hand when you pay.
  • MasterPass safely saves all your payment and shipping details for easier and faster online shopping.
  • SnapScan is a simple smartphone app that lets you use your phone to pay for things in-store.
  •    MasterPass™   

    MasterPass stores all your payment cards (both debit and credit) and shipping information in one convenient place: your smartphone. You create an account only once. After that you’ll skip checkout forms forever.

    Using MasterPass:

    • Sign up: Download the app, enter your personal and billing information in once and create a unique password. 
    • Shop: When shopping online look for the MasterPass checkout button. Click on the MasterPass logo. A QR code will then be displayed on your screen. Simply scan the QR code or capture the reference number beneath the QR code. If you are using a MasterPass-enabled app or accessing the site on your mobile device, this information will be automatically included, so there is no need to scan a QR code.
    • Pay: You will either be asked to enter your bank card ATM PIN or an OTP, and the last three digits as they appear at the back of your card.
    • Deliver: Select your delivery address, after which your purchase is now complete!

    More about MasterPass

  •    SnapScan™   


    SnapScan is a simple smartphone app that lets you use your phone to pay for things in-store.

    Using SnapScan:

    • Snap: Open the SnapScan app and use your phone’s camera to scan the SnapCode displayed at the checkout or with your bill. Tap on ‘Scan’ to identify the shop. 
    • Pay: Enter the amount you want to pay and confirm payment with your secure 4-digit PIN.
    • Go: That's it. You're done. Your card never leaves your wallet!

    More about SnapScan

An overdraft is a credit facility loaded to your current account. This means that you have the convenience of borrowing on the same account that is used for your daily banking transactions.

UCount Rewards

  • UCount is our rewards programme where you can collect points when you shop with a Standard Bank cheque or credit card.
  • Get up to 20% of your grocery purchases back in Rewards points when shopping at any Checkers, Checkers Hyper, Food Lovers Market, Fruit & Veg City, Makro, Pick n Pay, Shoprite, SPAR and Woolworths stores countrywide using your Standard Bank credit or cheque card.
  • Earn up to 1.25% back in Rewards points on all your other everyday purchases – no matter where you shop, or what you buy.
  • Get Rewards points on every litre of fuel you purchase from participating Caltex forecourts.
  • Spend your accumulated Rewards points at the Online Mall and Travel Mall.
See Debit card competition Terms and conditions