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Internet Banking

Personal Finance & Loans

Overdraft Facility – Personal

Short term borrowing paid on demand: Allows the customer to overdraw the current account. Interest calculated on daily utilisation.

Why This Finance Facility?

Understanding all details around this product will help you decide if this is the right product for you.

Specific Target Market

  • Salaried Individuals earning their salaries though LPB


  • Fluctuating facility with interest charges based on utilisation

Minimum Requirements

  • Pay Slips - 3 months
  • Bank Statements (new customer)
  • Personal Statements
  • Employer’s confirmation (mandatory for salaried customers)

Prime linked and risk based.

Working capital requirements.

Not to be utilized for capital expenditure or consolidation of debt.

Cash-flow based assessment. Positive Free Cashflow and Debt Service Cover Ratios are key for consideration.

Depends on need and affordability.

Based on conditions of grant and business risks.

12 months (annual review)


Processing fee is 2.8%

Regularly Update Your Personal Details

Use Your Account Without Restrictions

As part of the country’s fight against money laundering and financing of terrorism, we are required by law to keep updated personal records of our existing clients. Visit the nearest Lesotho PostBank branch with your valid identity document, proof of residence, and proof of income if have not updated your documents in the last 24 months.