Standard Bank UNAYO review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
Standard Bank UNAYO differs from high street borrowing because access happens through a phone rather than a branch visit. It is a loans option for residents with a phone who want mortgage related borrowing for purchase or remortgage and support by email and phone.
Key facts
- Best for
- Phone based mortgage borrowing with email and phone support
- Lender type
- Direct lender↗
- Eligibility
- Sign-up is digital on the Unayo app or USSD, open to citizens, foreign nationals, refugees or asylum seekers resident in the country; all you need is a phone↗
- Headquarters
- Eswatini↗
- Founded
- 1988↗
- Support channels
- Email, Phone↗
- Official website
- standardbank.co.sz
Mortgages
- Fixed period
- 25 years↗
- Maximum loan to value
- 70% to 90%↗
- Purpose
- Purchase, Remortgage, First-time-buyer, Equity-release, Home-equity↗
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- Google Play
Pros
Pros
- Covers purchase, remortgage and equity release for first time buyers and movers
- Welcomes citizens, foreign nationals, refugees and asylum seekers resident locally
- Offers help by email and phone for borrowing questions and applications
Ready to try Standard Bank UNAYO?
Who it suits
- People seeking purchase or remortgage borrowing through a phone
- Citizens, foreign nationals, refugees and asylum seekers who want phone managed borrowing
How Standard Bank UNAYO compares
Where Standard Bank UNAYO is available
- Available
- Eswatini
- Licence in Eswatini
- Central Bank of Eswatini, checked September 26, 2026
- Licence in Eswatini
- Financial Services Regulatory Authority (FSRA), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Who can apply for Standard Bank UNAYO loans?+
Eligibility covers citizens, foreign nationals, refugees and asylum seekers who live in the country. Applicants need a phone to use the service through the Unayo app or USSD. The approach welcomes residents with varied backgrounds.
Which types of borrowing does it cover?+
The range centres on home borrowing for purchase and remortgage needs. It also addresses first time buyer plans alongside equity release and home equity arrangements for existing owners. The choice supports different stages of ownership.
How is borrowing managed and supported?+
Management happens through the Unayo app or USSD using a phone. Support is available by email and phone for questions about borrowing and applications. The setup keeps contact simple for everyday needs.
Where is Standard Bank UNAYO based?+
Standard Bank UNAYO is based in Eswatini. (Source, checked September 26, 2026)
When was Standard Bank UNAYO founded?+
Standard Bank UNAYO was founded in 1988. (Source, checked September 26, 2026)
Sources
- centralbank.org.sz checked September 26, 2026
Backs: Licences
- standardbank.co.sz/eswatini/business/ways-to-bank/unayo-b... checked September 26, 2026
Backs: Eligibility, Headquarters, Lender type
“You can sign up for Unayo from anywhere in the world, whether you be Citizen, Foreign National, Refugee or Asylum Seeker in a specific country.”
- standardbank.co.sz/eswatini/business/ways-to-bank/unayo-b... checked September 26, 2026
Backs: Support channels
“Eswatini USSD code: *334# International 25175350 Email us”
- standardbank.co.sz/eswatini/personal/about-us checked September 26, 2026
Backs: Founded
“Standard Bank Eswatini opened its doors in 1988”
- standardbank.co.sz/eswatini/personal/products-and-service... checked September 26, 2026
Backs: Fixed period, Maximum loan to value, Purpose
“Urban Home Loan ... allows repayments of up to 25 years”
Compiled from 6 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: APR, Loan amount, Term, Arrangement fee, Credit check, Funding time, Representative example.
Standard Bank UNAYO
Phone based mortgage borrowing with email and phone support