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How to activate Shortfall Protection?

 
  • Got to "Accounts"
  • Select "Revolving Facility"
  • Go to settings
  • Click on "Setup/Maintenance"
  • Look for "Would you like to setup shortfall protection?" and change the indicator to "Yes"
  • Click "Confirm"
  •  
    Now you can rest assured that your payments will be honoured as long as there are sufficient funds to cover them in your Revolving Facility to complete the transfer.
     
    Please note that you are still responsible for ensuring you have sufficient funds to cover your Revolving Facility debit order and you may not use Shortfall Protection to pay for your Revolving Facility.
    Apply Now!

    REVOLVING FACILLITY

    A credit facility that helps you to pay for unbudgeted
    expenses over time

    The Revolving Facility is linked to your active bank account which gives access to
    funding 24/7 without having to reapply for a facility for every expense.

    What's hot

    MANAGE YOUR MONEY WITH A REVOLVING FACILITY

    That protects your bank account when your bank account balance is on zero, by automatically sweeping funds into your bank account so that you're never low on cash.

    TRANSFER FUNDS INTO ANY ACCOUNT

    On your profile directly from your Revolving Facility or make 3rd party payments using our Digital Channels.

    CHOOSE BETWEEN VARIABLE AND FIXED PAYMENT OPTIONS

    On a Variable payment option you only pay for what you use, repayments reduce as your balance reduces. A Fixed repayment option is easy to budget for as your repayments never change.

    OPTIONAL DEBT PROTECTION

    In case of your death, permanent disability, unemployment/inability to earn an income or temporary disability.

    NEW SHORTFALL PROTECTION

    Funds will automatically be made available in your transactional account when you swipe or when a debit order runs. This means no more bounced debit orders or declined POS transactions.

    WHAT YOU GET

    You get full access to the full available credit limit.

    New shortfall protection

    This function of your Revolving Facility covers your linked transactional account should the available balance be insufficient to cover your payments by automatically transferring funds directly to your transactional account to avoid unpaid transactions. You need to manually opt into this function via Online Banking or the App.

    APPLYING MADE EASY

    Revolving Facility

     

    QUALIFYING CRITERIA

    1. RMB Customer with an active RMB Cheque Account
    2. Be 18 years and older
    3. Be a South African Citizen
    4. Pass affordability and credit scoring assessment

    OTHER WAYS TO APPLY

    Apply Now!
    Other ways to apply
     
    >Complete the call me back form

    DOCUMENTS NEEDED

    • Green bar-coded South African ID/smart ID card
    • Latest 3 months statements/3months' payslips
    • Proof of residence
    • Pass affordability and credit scoring assessment
     
    >Terms and conditions