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Islamic Premium Banking

This Shari’ah compliant account is based on a Qardh structure. For R240.00 per month, you’ll have access to priority service, expert advice and a host of exclusive lifestyle benefits.
Minimum income: R25 000

Wealth enhancement

What you leave for the future starts today. Access a financial adviser, get a free financial needs analysis and more.

Lifestyle and travel benefits

Open up your life and your money to the world with international money transfers, lounge access, chauffeured drives and a host of travel benefits

Premium service

We bank when you bank. Enjoy exclusive priority banking in selected branches, call 0860 109 085 or chat online to a banker 24/7.

One card solution

Less is more. Access your debit and savings account with one card.

Upib Rewards

Make money with every swipe and get cash back in your pocket with Upib Rewards.

What you can expect

  • 01Smarter banking

    R240.00 per month. Includes: Online banking. Mobile app banking. Unlimited Notify-me SMS notifications. Unlimited local card swipes at point-of-sale. Up to R4 000 Upib ATM withdrawals and POS withdrawals. Upib ATM cash deposit - up to the total value of R4 000. Debit card with contactless tap and pay. One card solution: access your debit and savings account with one card. View and pay bills online using the Walletdoc app or website. Keep all card and payment details in your MasterPass digital wallet.

  • 02Premium service

    R240.00 per month. Includes: Online banking. Mobile app banking. Unlimited Notify-me SMS notifications. Unlimited local card swipes at point-of-sale. Up to R4 000 Upib ATM withdrawals and POS withdrawals. Upib ATM cash deposit - up to the total value of R4 000. Debit card with contactless tap and pay. One card solution: access your debit and savings account with one card. View and pay bills online using the Walletdoc app or website. Keep all card and payment details in your MasterPass digital wallet.

  • 03Wealth enhancement

    Access to a financial advisor Free financial needs analysis Free Stockbroking Account (no monthly admin fees): Invest in JSE™ Shari'ah-compliant shares and a Shari’ah Top 40 exchange-traded fund (ETF).

  • 04Family benefits

    50% off your spouse’s Premium Banking monthly fee Free Islamic Youth account and app for children under 19 Free Islamic will

  • 05Lifestyle and travel benefits

    xclusive benefit Add Upib Rewards and earn up to 30% real cashback on qualifying transactions from our grocery, digital, travel, fuel and health and beauty partners, depending on your Rewards tier. Just use your Upib card to make in-store and online purchases. Travel benefits Get foreign bank notes for 22 of the world’s major currencies and we can order currency for you, should we not have it at our counters. Use four different currencies from one card with the Multi-currency Cash Passport. Get up to 30% discount, off the base price, on certain flight bookings made with Etihad airlines, when booking through the exclusive and dedicated Travelstart Link. International Payments SWIFT: Send money from your bank account to an account abroad with SWIFT (bank-to-bank) transfers. Western Union: A fast, reliable, person-to-person transfer service, and convenient way to send or receive money around the world.

  • 06Making the switch is easy

    We switch your debit orders for you. Download a switching form here, complete and send to support@theunicornbank.co.za . Benefits of switching include: The Unicorn Bank Islamic Vehicle Finance: In the market for an upgrade? Keep your next finance agreement with us and you’ll get up to 5% cashback on your settlement amount.

  • 07What you need to apply

    Minimum income of R25 000 per month A valid bar-coded South African ID or a valid passport for foreign nationals Proof of residence Your latest salary advice South African citizenship

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