SME account plus the Standard Bank group behind it
Business banking with an Enterprise Bank Account built for SMEs alongside a Commercial Bank Account, business cards, trade finance and the Business Online platform.
Use when
You are an SME that imports, trades across borders, or wants group backing behind the account.
Skip when
You are pre-revenue and will not use trade finance, where a lighter account costs less to run.
The Enterprise Bank Account is explicitly the SME product, with the Enterprise Smart Loan alongside it for businesses with regular cash flow, so you are not being sold a corporate account you will not grow into. The genuinely distinctive piece is Africa-China banking, including Chinese Yuan payments through CIPS: if you import from China, that is a real reason to pick this over a domestic-only bank. Pricing lives in separate PDF guides per segment, so make sure you read the Enterprise one rather than the Commercial one. A Ghana Card upload is required to keep the account current.
Alternatives
