Absa | Private banking lets you bank on your own terms

We offer a comprehensive suite of financial solutions and Shari’ah-compliant products, thoughtfully designed to support the ambitions of individuals, private practices, and young professionals.

A dedicated Banker

Your dedicated private banker will develop an in-depth understanding of your individual, business and family needs, with the support of experienced specialists.

Access to credit

Quick and easy access to credit up to R250 000 with our Enhanced Credit Facility*.

Airport Lounge Access

Get access to local and international airport lounges**.

Get cash back and more

At no additional cost monthly just real cash back

Explore Absa Rewards

International banking

We offer you the opportunity to bank offshore, open multicurrency accounts and invest your way

Visa Signature credit card

Optional linked credit card with no additional monthly fees*.

*Subject to credit approval

**Terms and conditions apply

Find the bank account that suits your needs

More than simply a bank account, this is a partnership that offers an exclusive and comprehensive banking solution designed to elevate your everyday banking experience.

Private Banking as Unique as You Are

Discover personalised financial solutions designed around your lifestyle, ambitions, and long-term wealth journey.

Here’s what you need to know

Private Banking Account
One monthly account fee for both current account and credit card

Enhanced Credit Facility designed to give you a line of credit that can cover your medium to large unforeseen transactions*

Balance Booster is designed to cover any small transactions on your account that might not be covered by your available balance*

Savings Boosters that allow you to separate your money to save for various goals

Up to 30% cashback through Absa Rewards

Up to 80% off your local and international flight tickets**

Preferential rates on unsecured lending*

Unlimited ATM cash withdrawals, cash deposits and debit orders

Zero monthly account fee for your spouse and children

Access to home loan discounts with an additional 0.50% pricing concession*

Preferential rates on vehicle finance* and Rewards benefits

Expert advice and opening balance benefits on savings and investment accounts

Dedicated support for offshore banking and foreign exchange

Absa Rewards at no additional cost

24/7 personal concierge service to simplify your life

Free digital fraud warranty

R 100 000 Accidental Death Cover for 12 months (via App only)

24/7 Private Assist contact centre

*Subject to credit approval

**Terms and conditions apply
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Visa Signature Credit Card
One monthly account fee for both current account and credit card*

You pay no transaction fees when swiping, tapping or dipping your card to pay at a point of sale.

Up to 57 days’ interest-free credit (subject to some exceptions)

Bidvest Premier Lounge Access**

International lounge access with Visa Airport Companion (affiliated with Dragon Pass)

Comprehensive travel insurance underwritten by Chubb

FastTrack, spa benefits, eSIM solutions

Travel Assistance & Global Cardholder Assistance Services

Buyers Protection & Extended Warranty

Rental Car Collision Damage Waiver

YQ Meet and Assist services

Various lifestyle benefits available through visa.co.za

Agoda

Booking.com

BookingBash

IHG Hotels & Resorts

Visa Luxury Hotel Collection

Avis Car Rental

SIXT Car Rental & Ride

Rentalcars

PRINTEMPS

Bicester Collection

*Subject to credit approval

**Terms and conditions apply
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Islamic Private Banking Account
The Ultimate Private Islamic Account is a premium, Shari’ah-compliant solution designed for discerning clients who seek financial sophistication aligned with their faith. Structured according to the principles of Qardh, your deposits are treated as an interest-free loan to the bank, with our commitment to repay an equivalent amount entrusted to us, less only agreed fees, ensuring full Shari’ah compliance, transparency and peace of mind.

Islamic Savings Boosters that allow you to separate your money to save for various goals in a Shari’ah compliant manner

Up to 30% cashback through Absa Rewards

Up to 80% off your local and international flight tickets*

Unlimited ATM cash withdrawals, cash deposits and debit orders

Zero monthly account fee for your spouse and children

Drive your dream car with our Islamic Vehicle Finance –flexible, fair financing that aligns with your values.

Expert advice and opening balance benefits on savings and investment accounts

Dedicated support for offshore banking and foreign exchange

Absa Rewards at no additional cost

24/7 personal concierge service to simplify your life

Free digital fraud warranty

24/7 Private Assist contact centre

*Terms and conditions apply
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Private banking lending
Unsecured Lending*

Overdraft Facilities – Convenient access to additional funds directly from your cheque account.

Personal Loans – Flexible borrowing solutions to support both planned and unexpected expenses.

Balance Transfer Loans – Consolidate existing debt into a single repayment while benefiting from preferential interest rates.

Home Improvement Loans – Finance your home renovation projects with tailored personal loan options.

Revolving Credit Facilities – Enjoy ongoing access to funds as and when you need them.

Study Loans – Dedicated financing designed to cover a wide range of educational expenses.

Vehicle finance*

Enjoy preferential rates when purchasing your vehicle through Absa.

Access over 2 000 approved dealer partners to find the right car.

Buying privately? We’ll help structure the purchase with confidence.

Settle your existing vehicle finance and refinance with Absa within 90 days you qualify for a loyalty reward.

We offer R5 000 cash back on all New Energy Vehicles (new/used). This includes Hybrid vehicles.

Switching from another bank, get extended repayment terms and a personalized interest rate.

With FASTBuy, simply post your car details and receive offers from dealers nationwide.

Manage your finance easily with 24/7 digital access.

Earn cash back Rewards on your fuel spend at our preferred fueling partner

Absa Credit Life pays off your vehicle if you can’t.

Absa Extended Cover covers the shortfall between your car’s insured value and outstanding finance if it’s written off, stolen, or hijacked.

Get expert support from your dedicated Banker and Vehicle and Asset Finance Specialist.

Property finance*

First-time buyers: Up to 108% loan to value for a maximum property value of R2.5 million plus 50% off bond registration fees.

Repeat buyers: Customers that re-finance with Absa can get up to R25 000 cash back on your new home loan, get 50% discount on bond registration fees from the Absa-selected attorney panel and get a waiver of any early termination charges on your current Absa Home loan.

Switching from another bank: Up to R6 000 towards bond cancellation costs plus a 50% discount on bond registration fees.

Building your home: Building loans tailored to bring your vision to life.

Buy-to-let investors: Boost affordability with existing and future rental income.

Commercial property finance: Specialist structuring for complex or bespoke requirements.

Sustainable living: Eco Home Loans with a 0.25% interest rate concession and qualify for a rebate of up to 3% (up to R55 000) of your loan amount.

Get expert advice from your dedicated Banker and Property Finance Specialist.

Universal Loan Facility*

A structured credit facility to enable your wealth creation goals, secured by multiple assets and securities, including:

Residential property

Owner-occupied commercial property (professional services)

Top 40 listed shares**

Unit trusts**

Absa offshore investments**

Endowment policies

Cash.

What makes the facility unique:

Open multiple subfacilities for better management and tax efficiency.

Maximum 20-year term.

Linked transactional account with an overdraft to a maximum of 10% of the total facility.

Single interest rate across all subfacilities and overdraft.

* Subject to credit approval / Terms and conditions apply

**Approved by Absa
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An A-plus experience for A-plus medical professionals

Our Private and Wealth Banking for medical professionals enables you to future-proof your career with tailored products and services. We understand the frustration that comes with wearing many hats hence we want to help you enjoy a fuller life, while taking care of your family and career needs.

Private or Wealth transactional account bundle

Banking for yourself

Get a dedicated banker to assist with your individual, day-to-day banking needs.

Banking for your family

Your spouse can save 50% on monthly fees and your children qualify for free banking.

Banking for your practice

Free Practice Management Account and a dedicated banker for you and your practice.

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Private Banking for the Next Generation of Achievers

A modern banking experience created for young professionals who want smarter financial solutions and personalised support from day one.

The Ultimate Private Account for young professionals delivers a modern banking experience that goes beyond the ordinary.

A dedicated Banker

Your dedicated private banker will develop an in-depth understanding of your individual, business and family needs, with the support of experienced specialists.