Individual and Small Enterprise Banking (ISB)

Individual and Small Enterprise Banking (ISB)

SGBCy Individual and Small Enterprises Banking Unit (ISB),  gives you the opportunity to join our high net-worth individual clientele as well as our Small Enterprise Unit to satisfy your banking and financial needs. We provide high standard banking services such as fixed deposit and current accounts, business loans and overdrafts,  mortgage and other loans, credit and debit cards,  payments, letters of Credit and Guarantees, and a number of other Banking Services to meet your personal and business needs as well as your growth strategy plans.  In light of the contemporary banking environment we offer you the ability to manage your personal and business accounts online and carry out transactions on a 24 hours basis through our secured and easy to use mobile application and online banking services.

Online Banking

Manage your individual and business accounts online through our SGBCy App wherever you are. Available 24 hours a day, through our secured and easy to use online service, you can carry out transactions including internal transfers, domestic and international payments, view your balances, statements etc.

 

Fixed Deposit Account

Use this investment instrument to deposit funds in a fixed term account to earn interest, throughout the chosen tenor as per our interest rate.

 

Individual Current Account

Finance your personal needs through an Overdraft account with a credit limit, or through a loan account.

 

 

Business Current Account

Deposit your business’s income in a current account which gives you instant access to your company's funds so you can easily manage your daily business operations and transactions.

   

Mortgage Loan

Finance a building, purchase a residency and add a property in your investment portfolio.

 

a) Individual Overdraft Account & Loans

Finance your personal needs through an Overdraft account with a credit limit, or through a loan account.

 

b) Business Overdraft Account & Loans

Finance your business's Working Capital Needs through an Overdraft account with a credit limit. Also, through a loan account, finance other business purposes, projects, assets and invoices.

 

Credit and Debit cards

Use payment cards issued by our Bank. It may be a debit card, where money is deposited in your card account before a transaction can take place, or it may be a credit card, where a credit limit is allocated upon your request and approval from the Bank.

 

Letters of Guarantee

Issue a Letter of Guarantee. A documentary credit issued by our Bank on behalf of our client for the purpose of providing security to a third party to perform a contractual obligation owed to such a third party.

 

Letters of Credit

Issue a Letter of Credit.  A letter of credit or letter of undertaking issued by our creditworthy Bank on behalf of our Business clients and used in international trade to provide guarantee of payment to an exporter of goods.

 

You will have all the support you need from our Experienced ISB Banking unit Team.

 

Terms and Conditions

Applications for account opening under Individual and Small Enterprises Banking Unit (ISB) and Wealth Management Services, as well as granting of loans / credit limits / facilities is subject to the Bank’s approval pursuant to its internal policies in force from time to time.

 

Related documents:

SGBCy information
Risk Disclosures for Financial Instruments
Best execution Reporting 2021 Annual Qualitative Report for Best Execution 2021

 

Products and Services


 

Branches and ATMs

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Rates

Rates
Buying Selling
USD 1.0680 1.0468
JPY 145.22 142.63
CHF 0.9984 0.9767
GBP 0.8717 0.8528
AED 3.9228 3.8451

09 DECEMBER 2022

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