1988 Santam Bank Trophy Division B

The 1988 Santam Bank Trophy Division B was the fourth tier of domestic South African rugby, below the two Currie Cup divisions and Division A.

Regular season and title play-offs
There were six participating teams in the Santam Bank Trophy Division B. These teams were split into two sections of either three of four teams each. Teams played the other teams in their section four times over the course of the season, twice at home and twice away. Teams received two points for a win and one points for a draw. The top team qualified for the section finals, played at the home venue of the higher-placed team, as well as the Division B finals.

Promotion play-offs
The Division B champion qualified for the promotion play-offs. That team played off against the team placed bottom in Division A over two legs. The winner over these two ties qualified for the 1989 Santam Bank Trophy Division A, while the losing team qualified for the 1989 Santam Bank Trophy Division B.

Santam Bank Trophy Finals
The top two teams from Division A and the top two teams from Division B qualified to the Trophy finals:

Promotion play-offs
In the promotion play-offs, conceded the second leg to, who won promotion to the Division A. were initially relegated to Division B, but due to the Currie Cup Division A's expansion to 8 teams, they retained their place.