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Standard Accounts

Standard current accounts offer something for everyone. Whether you earn R1,000 or R9,000 per month, there is a standard current account for you.

You may pay a monthly fee, so pick the benefits that come with these accounts that you’ll actually use or need. Some give access to further finance, others cashback.

If you've experienced bad customer service then it may be time to compare other current
accounts and make the switch. We provide a non-biased view of all the current accounts
available to you.

If you know your credit rating, select it by hovering your mouse over the panel to the right and clicking on the appropriate rating. If you don’t know your credit rating, click the button to calculate it for free. This will match up your rating with lender appetite to give you the best chance of success with your application.

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ABSA TRANSACT ACCOUNT

APPLY TODAY
Find out more & apply online now
  • No minimum monthly income required
  • Monthly fee of R 4,75
  • Bank in branch or using the internet
  • An initial bank card is issued at no fee
  • No opening balance or minimum balance required
  • No rewards offered
  • Click here for more details

The Absa transact account offers a simple and affordable way to bank, providing all your basic banking needs but without the unwanted extras. This account is a perfect choice for those who don't have a regular or fixed income. Although no rewards are earned using this account, you will also benefit from having to hold no minimum daily or opening balance to open or keep the account open. The account offers a transparent pricing policy, with transactions being charged on a pay-as-you-transact basis making it even easier to understand. One feature from the account that is missing is the ability to bank online, but it does however still allow full banking facilities via your cellphone and telephone for added convenience and peace of mind.

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NEDBANK KE YONA PAY-AS-YOU-USE ACCOUNT

APPLY TODAY
Find out more & apply online now
  • No minimum monthly income required
  • No monthly fee
  • Bank in branch or using the internet
  • No minimum income required
  • A pay as you use pricing structure
  • Free SMS and cell phone Banking
  • Click here for more details

The Nedbank Ke Yona pay-as-you-use account is the perfect choice for those who are just starting out and who have never had an account before. The account offers a simple and easy to understand set of fees with no added monthly account fee. Nedbank customers also receive free SMS and cell phone banking included in the monthly fee. To encourage you to save, Nedbank also provide the option for individuals to open a JustSave account. For as little as R50 to open the account, with a debit order set up from their account on a monthly basis, Nedbank will also deposit R2 to help your savings grow. This entry level account allows customers to take full control of their banking needs.

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ABSA ISLAMIC CHEQUING ACCOUNT

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 3 000,00
  • Monthly fee of R 98,00
  • Bank in branch or using the internet
  • Compliant with Shari'ah Law
  • 24 hour internet, phone and cell banking
  • No rewards
  • Click here for more details

Absa was one of the the first in the world to market a Sharia-compliant product launching its Islamic banking brand back in 2006. The account has been fully designed to comply with Shari'ah Law removing any payment of interest and making transactions and fees transparent to all account holders. The account conveniently allows you to manage your everyday banking needs including 24 hour access to internet, telephone and cell banking. Successful applicants can even earn cash back for signing up for extra products.

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ABSA GOLD CHEQUE ACCOUNT

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 8 000,00
  • Monthly fee of R 40,00
  • Bank in branch or using the internet
  • Access to home loans and overdraft facilities
  • Financial planning and a selection of investment solutions
  • No rewards of cashback offer
  • Click here for more details

Absa, South Africa’s largest retail bank has a number of current accounts to choose from offering something for everyone. The Gold Current Account is an all-in-one facility designed to cater for your growing financial needs, with preferential overdraft and loan rates and offers a great way to secure further finance such as a home loan or car finance. As like most Absa current accounts the Gold Account allows you to bank when it suits you whether it be online, via your telephone or cellphone banking. But according to The South African Customer Satisfaction Index (SAcsi) Absa didn't fair too favourably with its customer service, coming out lowest of the top five banks. Its use of online facilities allows you complete control of your finances, so if you don't need to contact the bank much, the Gold Current Account would prove a good choice for those wishing to invest in their future.

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FNB GOLD CHEQUE ACCOUNT

APPLY TODAY
Find out more & apply online now
  • Minimum monthly income of R 9 000,00
  • Monthly fee of R 100,00
  • Bank in branch or using the internet
  • Get up to 1.5% back in eBucks on online shopping
  • Access to further credit products to suit your needs
  • Free subscription to phone and online banking
  • Click here for more details

The FNB Gold Cheque account is one of the most popular on the market at present. The banks customer services came out on top with the highest number of satisfied customer's. With over 1.5m regular online banking users, FNB were one of the first to offer its banking services on both smartphones and tablet computer's. The site has had a recent makeover offering a slick minimalistic approach allowing customer's full use of its services wherever they are. As like all FNB accounts they come with eBucks rewards incentives, but the Gold Cheque Account provides an extra 1.5% back in eBucks rewards for online and internationally shopping. No other bank at present offers a reward scheme as good as FNB, so if you fit the annual earnings criteria, this is the card for you.

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