Legal & Compliance


  • Code of Banking Practice
  • National Credit Amendment Act
  • National Credit Act, No 34 of 2005
  • Promotion of Access to Information Act (PAIA) Manual
  • Conflict of interest policy with Guard risk Annexes 1,2,3
  • New Affordability Regulations
  • Removal of adverse consumer credit information
  • FIC Act, No 31 of 2001
  • FIC Regulations
  • Conflict of interest policy with Guardrisk
  • Conflict of interest policy with Stangen

The insurer of your credit life policy, sold to you by African Bank, is The Standard General Insurance Company Limited. This will change to Guardrisk Life Limited. Your benefits will remain secure and unchanged. Please see the documents below for further information.

  • FSB Notification and Annexures
  • Transfer Agreement
  • Addendum to Transfer Agreement
  • Stangen resolution Board of Directors
  • Guardrisk resolution Board of Directors
  • Stangen Annual Financial Statements 2016
  • Guardrisk Statutory Actuary Report
  • Communication Notice Annexure 2 Formal notice (Eng)
  • Communication Notice Annexure 3 Formal notice (Afrikaans)
  • Communication Notice Annexure 4 (FAQ)
  • Guardrisk Annual Financial Statements 2016
  • Stangen Statutory Actuary Report


  • Bakkie Competition Terms and Conditions
  • Terms and conditions
  • Privacy Policy
  • Sales Referral Competition Terms and Conditions
  • My World terms and conditions
  • Electronic terms and conditions
  • African Bank customer complaints policy
  • Policy on Selection and Nomination of NEDs
  • African Bank Whatsapp Terms and Conditions
  • MyWORLD Competition Cresta Terms and Conditions
  • Rewards Terms and Conditions
  • Lotto and Powerball Terms and Conditions
  • Saving and Investments Terms and Conditions
  • Social Media Community Shield Terms and Conditions
  • Collections Rewards Campaign Mar-Apr 2023
  • Collections Rewards Campaign March 2023
  • Brand 2.0 TVC Terms and Conditions
  • Brand 2.0 Competition Terms and Conditions
  • Dstv Delicious Competition Terms and Conditions
  • KeFestive Terms and Conditions
  • African Bank MyWORLD VISA AFCON Terms and Conditions
  • Back To School Audacious Rewards Terms and Conditions
  • Joyous Celebration Terms and Conditions


  • African Bank Conflict of Interest Policy detailing Guardrisk Life Limited
  • Conflict of Interest Management Policy in terms of The FAIS General Code of Conduct


  • Income and expense declaration - English
  • Income and expense declaration - Sesotho
  • Income and expense declaration - Zulu
  • Budget lingo terms and conditions
  • Contional voucher terms and conditions