Tiering Rules


Rule Qualifying Criteria Frequency/ Value Monthly Tiering Points
1. Self Service Use the Standard Bank app, BOL, Internet and/or Cellphone Banking for customer-initiated transactions on your Business Current Account(s). Customer initiated transactions include Payments, Debit Order services, International Payments and Express payments.
  • 10 – 50 transactions pm
  • 51 – 100 transactions pm
  • 101 or more transactions pm
  • 50
  • 100
  • 150
2. Cash Deposits Make a cash deposit at a Standard Bank Auto Safe, ATM or ANA
  • R5 000 – R9 999.99 pm
  • R10 000 – R49 999.99 pm
  • R50 000 or more pm
  • 50
  • 100
  • 125
3. EStatements Receive your qualifying1 Business Current Account and Credit Card statements via email.
  • All qualifying accounts monthly
  • 50
4. Marketing Consent (Receive Marketing) Give Standard Bank consent to send you internal marketing material.
  • Monthly
  • 50
5. Marketing Research Give Standard Bank consent to contact you for marketing research.
  • Monthly
  • 50
6. Tenure Hold a qualifying1 Business Current Account (excluding Transactional Savings & Credit Cards)
  • 12 – 35 months
  • 36 – 59 months
  • 60 months or more
  • 50
  • 75
  • 100
7. Credit Card Rule Hold an active qualifying1 Credit Card and swipe your Card each month
  • R1 000 – R19 999.99 pm
  • R20 000 – R49 999.99 pm
  • R50 000 or more pm
  • 25
  • 50
  • 75
8. Current Account Balance (Credit Balance) Maintain a minimum average monthly balance amount in your qualifying1 Business Current accounts
  • R20 000 – R49 999.99 pm
  • R50 000 or more pm
  • 75
  • 100
9. Lending – Overdraft Have an open Overdraft facility and utilise at least 60% of the Overdraft facility.
  • Monthly average utilisation
  • Max 1 Overdraft facility
  • 125 (Capped at 125 pm)
10. VAF Hold an active2 Vehicle or Asset Finance Agreement with an origination value of R200 000 or more
  • For each product per month
  • 50
  • (Cap 200 pm)
11. Savings & Investments Hold a qualifying1 Savings and/or Investment account and maintain an average monthly balance across all accounts
  • R50 000 – R99 999.99 pm
  • R100 000 or more pm
  • 100
  • 200
12. Lending Hold an active2 qualifying1 Business Revolving Credit Plan, Term loan (excluding Overdraft) with an outstanding monthly balance across all accounts
  • R50 000 – R99 999.99 pm
  • R100 000 – R499 999.99 pm
  • R500 000 or more pm
  • 100
  • 150
  • 200
13. Insurance Hold a qualifying1 Standard Bank Insurance policy
  • Per policy, per month
  • 75 (Cap at 150 pm)
14. Retail Forex Buy foreign currency from us using your Business Current Account for qualifying1 transactions
  • R7 500 in a 12 month rolling period
  • 50
15. Merchant Services Use Standard Bank Merchant Services with a total monthly settlement into your qualifying1 Business Current Account
  • R10 000 – R49 999.99 pm
  • R50 000 – R99 999.99 pm
  • R100 000 or more pm
  • 75
  • 100
  • 150

1 Refer to the Programme Rules for full details of qualifying products

2 Only loan amounts with debit balances qualify to get tiering pionts