Access Bank: What We Do Best

Not all banks are created equally. At Access Bank, being the best is the bare minimum.

While some banks keep you waiting in endless queues or make everyday transactions feel like rocket science, we do things differently. For us, banking should always be convenient, simple, and tailored to you.

Here’s how we do it: the Access Bank way.

A Bank Built on Relationships, Not Only Transactions

As your financial partner, we provide access to expert advice, insights, and decades of banking experience worldwide. We have branches in 24 countries (16 in Africa) and over 60 million customers, and we boldly aim to become one of Africa’s top five banks by 2030.

Our vision might be global, but our roots are firmly in the needs of each community we serve.

Our Backstory

It started in 1947 as the South African Bank of Athens, serving small businesses in the Greek expat community.

In 2018, we decided to rebrand as Grobank and shift our focus to the food retail sector. Two years later, we joined the Access Bank Group and relaunched as Access Bank South Africa, as you know us today.

Since then, we have brought world-class banking solutions to South Africans from all walks of life.

Banking That Fits Your Life

We know how important managing money is, so we make it easy. Our everyday banking services include:

• Bank accounts with no hidden fees
• Debit card and credit card options
• Secure cash deposits
• Internet and mobile banking
• Cheque and attorney trust accounts
• & So much more

Suppose you’re an individual looking to save or a company needing seamless transactions. In that case, Access Bank has the tools you need to manage your funds with confidence and security.

Business Banking with a Difference

Our business banking approach is hands-on and personalised. We get to know your business, industry, and goals with dedicated relationship managers. Our business account options include:

• Business More: R5m – R50m turnover per annum, pay a banking fee of only R150/month
• Business Excel: R50m – R750m turnover per annum, pay a banking fee of only R250/month

Each account offers unlimited digital transactions,  no surprises, just smart financial services for growing companies.

We also offer:

• Business loans to help companies expand and invest in their future
• Working capital loans and revolving credit
• Structured short-term financing
• Fixed deposits, call and notice accounts
• FX and international trade finance
• Integration with your POS and platforms

You might think we’re just here to process your payments, but we become part of your team. We aim to help you make informed decisions that improve liquidity and fuel growth.

Corporate Banking: Across Borders, Beyond Expectations

With Access Bank, you gain a corporate banking partner that operates across Africa and beyond. Our corporate clients benefit from:

• Structured finance and bespoke solutions
• Export finance, foreign currency loans
• Cross-border payments
• Regulatory compliance and risk management
• Seamless access to regional markets

Our clients benefit from one point of contact, one integrated system, and one commercial bank that understands its client base. We make doing business across the continent feel like doing business at home.

Alliance Banking: Co-Creating the Future

We are pioneers in Alliance Banking, bringing financial inclusion to more people through collaborative banking. Whether you’re a fintech, retailer, or online service, our infrastructure becomes your infrastructure.

We offer:

• Prepaid debit cards
• Remittances and cash-out options
• Utility payments
• 16+ years of experience in embedded finance

Personal Banking: Built Around You

Our personal banking experience is client needs-driven. We’re constantly expanding our product range to give individuals:

• Competitive savings accounts
• Flexible personal loans
• Affordable credit cards
• Safe and simple debit card options
• Digital tools to track balances, manage payments, and save smartly

Access Bank Current Account

Pay-as-you-transact simplicity for only R7/month.

With no hidden fees and flexible access, our current account lets you withdraw at most ATMs and major retailers

• Deposit funds at Absa ATMs or branches
• Pay with your EMV debit card
• Manage everything via the Internet or Mobile Banking

Apply now: Download the Access More App from your app store.

Banking Made Easy for South Africans and Foreign Nationals

Open an Access Bank account easily, whether you’re a South African citizen or a foreign national living here.

We offer:

• Fast, simple FICA process
• Real-time balance tracking
• Instant EFTs
• 24/7 account access
• Cash deposits and withdrawals at select locations
• Easy beneficiary management

We give you the tools to manage your money, not just move it.

Private Banking: The Wealth Diamond Account

Tailored for high-net-worth individuals, our Wealth Diamond Account provides a premium experience. Enjoy access to our exclusive Private Banking Suite in Sandton, where comfort meets productivity, and your dedicated relationship manager is just a call away.

Sign up now and enjoy:

• Dedicated relationship manager
• Automatic membership to the Legacy Lifestyle Rewards Programme (Black Status)
• Luxury interiors and complimentary boardroom access
• High-speed Wi-Fi and refreshments
• Comfortable, private lounge spaces
• A central Sandton location at The Da Vinci Hotel & Suites

Diaspora Banking: For Africans Living in South Africa

Bank across borders with confidence

We make it easy for foreign nationals from across Africa to open an account and stay connected to home. All you need is a valid permit and a foreign passport, no long processes and no complications.

• Send money home instantly
• Reflects same-day (Access to Access transfers)
• Pay as little as R150 and never more than R450 per transfer
• Trusted by families across the continent
• More countries are being added regularly

Countries currently covered:

Botswana, Rwanda, DRC, Mozambique

What Makes Access Bank Different?

We believe banking shouldn’t just be about transactions, it should be about transformation. That’s why we bring you more than just accounts and services. We give you access to insights and real support when it matters most.

With one commercial bank across Africa, we’re built to help you grow locally and across borders. Our approach is simple with no added fluff, just banking that works for you.

Access More with Access Bank

Although numbers are our game, Access Bank wants to make an impact because we aren’t your standard bank. We exist to uplift, connect, and create opportunities. That’s what we mean when we say: no red tape, no wrong turns, just Access.

Visit Access Bank South Africa to make banking easy.