Online Banking

About the Service
  • What is Online Banking?

    Online Banking is a safe, convenient online platform for Standard Chartered Bank China customers to perform banking transactions via the Internet.

    There is no extra charge for using this platform, however normal product fees and charges continue to apply, if any.

  • Why should I choose Online Banking?

    It's safe. You can now bank with confidence knowing that your transactions remain safe with us using our Online Banking platform.

    Online Banking maintains world class security standards on our Online Banking platform. To find out more about these, please click here to visit our Security Advice section.

    It's convenient. You can perform banking transactions from the comfort of your home or office, anywhere in the world, anytime, with our 24 by 7 service. No special software is required.

    As long as you have a personal computer (PC) with the minimum configuration, you are ready to start.

  • What are the services available through Online Banking?

    For an overview of our services, please click here to our Function Overview.

    Each function has a detailed step by step guide which can be accessed by left hand side panel.

Applying for Online Banking
  • Who can apply for this service?

    Any Standard Chartered Bank customer with a Savings Account can apply for Online Banking.

  • How do I apply for this service?

    There is 1 way to register for Online Banking:

    1. Instant Registration - Using your Debit Card Number & Password.

  • What do I need in order to use this service?

    You need to know your Debit Card number & Password to register Online Banking.

    In addition, you need a PC with internet access and a mobile phone for receiving the One Time Passcode (OTP) via SMS. The mobile number needs to be pre-registered with our Bank.

    Using Instant Registration: Debit Card Number and Password to register for Online Banking.

  • What is the advantage of using Debit Card number to register?

    Instant Use

    Using Debit Card Number and Password to register for Online Banking means you can use Online Banking instantaneously after registration.

    Convenience

    Customers only need to remember Debit Card number/ password and have a registered mobile no. with the Bank to register. For a step by step guide on how to register, please Click Here to be redirected to a more detailed step by step guide.

  • Why can't I register Online Banking by using my Debit Card?

    You need to make sure your Debit Card is "normal status" (e.g. the Debit Card can be used on ATMs to perform balance inquiry or cash withdrawal).

    The Debit Card that is inactivated or locked cannot be used for Online Banking registration.

  • Why has my Debit Card been locked when I use it to register for Online Banking or reset a password?

    For security reasons, your Debit Card will be locked if you input the wrong password 3 consecutive times within a day. This rule is applicable to various channels including ATM, POS and Online Banking.

    To reset your Debit Card Password, you will need to visit our branch.

  • Why have I received the error message, "Sorry, we cannot process your request. Please call 8008208088 for help" when I use my Debit Card to register for Online Banking or to reset password?

    This has most likely occurred if the status of your Debit Card is abnormal or if you have repeatedly entered the wrong Password via Online Banking. Under such a circumstance, Online Banking will restrict the use of this Debit Card. You need to call our Customer Service Center at 800820800 to remove the restriction. For safety reasons, you can only remove the restriction once a month and the removal takes effect the next day.

    Registration: Using Temporary ID and Password (PIN Mailer)

  • How do I update my mobile phone number?

    As your mobile phone number is a key piece of information for our Bank to identify you, you will be required to go to our nearest branch, or dial our customer service hotline to update your mobile phone number with the Bank.

Browsers Supported
  • Which Browsers Support Our Online Banking Service?

    Standard Chartered Bank Online Banking is supported by the following browsers:

    • IE 7.0
    • IE 8.0
    • Chrome 5.0
    • Fire Fox 3.6.13
    • Safari 5.0 (Windows)
    • Macbook Safari
How to Log-in
  • What is Username and password for log-in?

    Please use the Login ID and Password which you setup in the instant registration process to log into Online Banking.

    Your Debit Card Password and Customer Service Center Password cannot be used to login to Online Banking.

  • What should I do if I have forgotten my Username/password?

    If you forget your username, please call Customer Service Center, 800-820-8088; If you forget you login password, please use the "forget password" function on Online Banking login page.

    If you have forgotten you login password, please use the "forget password" function on the Online Banking login page.

  • Will my access be locked after multiple unsuccessful attempts? How can I get it unlocked?

    To ensure your security, access to your account via Online Banking will be locked after 5 unsuccessful attempts. You can have it unlocked by calling our Customer Service Center or by visiting any of our branches.

  • Can I change my password?

    Yes, you may change your password by using the 'Change Password' function after logging into Online Banking.

  • What should I do if I suspect that my password has been stolen or exposed to others?

    If you suspect that your password has been stolen or exposed to others, please change your password immediately.

Account Information Enquiry
  • What information about my accounts I can get from online banking?

    You can get information about savings accounts, personal loans, home mortgage loans, call deposits, time deposits, target deposits and dynamic return investment. (Information about QDII products is not available currently).

  • What is the use of the Mailbox in the Personal Homepage?

    The Mailbox allows you to view messages from the Bank.

    You can delete messages in the Mailbox. All read messages will be deleted automatically on a weekly basis.

Fund Transfer
  • What kind of Funds Transfers can be conducted via Online Banking?
    1. Funds Transfers between own Savings Account within the Bank (same currency).
    2. Third Party Funds Transfers to other people's accounts within the Bank (CNY only).
    3. Third Party Funds Transfer to a outside banks (CNY only).
    4. Overseas Telegraphic Transfer

  • Are there any pre-requisites for using Interbank Funds Transfer through Online Banking?
    1. Register Online Banking.
    2. Enable the Online Payment function by visiting one of our branches with your personal ID.
    3. Add the 3rd party Beneficiary's account by clicking the Maintain Beneficiary tab in Fund Transfer section and following the instructions; you may perform the transfer immediately.
    4. Have on hand the Mobile Phone (with number registered by the Bank) available for receipt of the One Time Password (OTP).

  • How long does it take for payments to be processed?

    Depending on the payment:

    1. Funds Transfers between own Savings Accounts within the Bank

      Real-time

    2. Third Party Funds Transfers to other people's accounts within the Bank

      Real-time

    3. Third Party Funds Transfer to outside Banks

      Online Banking accepts your request 24 x 7.

      For processing time, please refer to the following schedule:

      • Requests successfully submitted with amount less than or equal to CNY 50,000 and are marked with "Normal" status: between 9:00 am and 3:15 pm the same working day.
      • Requests successfully submitted with amount less than or equal to CNY 50,000 and are marked with "Urgent" status: between 9:00 am and 4:30 pm the same working day.
      • Requests successfully submitted with amount more than CNY 50,000: between 9:00 am and 4:30 pm the same working day.
      • Requests successfully submitted in non-working hours will be handled during the next working day.
  • Is there a maximum limit on the transfer amount?
    1. Funds Transfers between own Savings Accounts within the Bank

      There is no limit on Funds Transfer between Own Savings Accounts within the Bank.

    2. Third Party Funds Transfers within the Bank AND outside the Bank

      Priority Banking & Priority Private Wealth Customers: RMB 1,000,000

      Personal Banking Privileged Plan Customers: RMB 200,000

      Personal Banking Customers: RMB 100,000

    • The Online Banking daily limit is calculated as the sum of all Internal Funds Transfers to third party accounts within SCB, Funds Transfers to third party accounts within other local banks and Bill Payments.
    • User can set Online Banking daily limit in Online Banking to a new limit which is not higher than the limit by default.
  • Can foreign currency be transferred via Online Banking?

    Foreign currency transfers can only be conducted between own Savings Accounts within the Bank, of the same currency.

  • How do I know when my Funds Transfer is successful or not?

    Refer to the status in the Transfers History Tab under the "Transfers" section in Online Banking. If the Status is "Successful" then the transfer has been successfully processed.

    You will also be sent an email to your Online Banking Mailbox after you have successfully submitted the request and when the request has been successfully processed by the Bank.

    If you have requested SMS and Email alerts in "My Preferences" you will also receive and Email (to your preferred email address) and SMS (to your preferred mobile phone number) upon successful submission and successful processing of this transfer.

  • Can money be transferred to any other bank in China?

    You can transfer money to any bank that is a member of the People's Bank of China CNAPS (China National Advanced Payment System) network.

  • Why did I receive the message "The remitter's account is restricted"?

    Your account may be restricted to perform Funds Transfers due to special limitations.

    Please call our Customer Service Hotline at 800 820 8088 for further assistance.

  • Why did I receive the message "failed due to insufficient funds"?

    If the total amount of Remittance and Transaction Fee is more than your account balance, we will not able to process your request.

    To avoid this from happening, please check there is sufficient balance in your account before submitting a transfer request.

  • Why did my Third Party Funds Transfer fail?

    Any of the following missing information or errors made (including but not limited to) could result in failure of a Third Party Funds Transfer:

    • Payee's Name
    • Payee's Account Number
    • Full name of Payee's Bank and Sub-branch

    The related transaction fee is non-refundable.

  • Why did I receive the message "Transaction timeout"?

    This message means your transaction result cannot be displayed at that moment. Please do not repeat the transaction.

    We suggest you call the customer service hotline on 800 820 8088 to enquire about the issue.

  • What is the transaction fee for Inter-bank fund transfer through Online Banking?

    Please kindly refer to Fees and Charges section for detail information.

  • What should I do if I do not receive the One Time Passcode (OTP)?

    You may not be receiving your OTP for a number of reasons. Please try the following steps:

    1. Your SMS Mailbox is full. Please check that this is not the reason.
    2. If you do not receive your OTP after 30 seconds, please click on the 'Resend OTP' button and the OTP will be resent to your mobile phone.
    3. If you still cannot receive the OTP please contact our Customer Service Hotline at 800 820 8088 for further assistance.
Customer Investment Profile
  • What is Customer Investment Profile?

    Customer Investment Profile is a solution to ensure that all customers undergo proper investment profiling to understand their investment profile. As per regulatory requirement, your initial Customer Investment Profile has to be completed on branch premise.

  • What features are available in Customer Investment Profile module?
    If you have completed your initial customer investment profile review at branch, you can view and download your latest investment profile, and update your risk profiles according to your latest situation. What is the validation period for the Customer Investment Profile?

    The Customer Investment Profile will be valid for one year. You can re-do your investment profile assessment in online banking anytime before the expiry. Once you update your risk profile in online banking, your previous investment profile will be changed to expire status.

  • Can U.S. Citizen, U.S. Permanent Resident Card (Green Card) Holder or U.S. Resident perform Customer Investment Profile via online banking?

    U.S. Citizen, U.S. Permanent Resident Card (Green Card) Holder, or US Resident cannot proceed Customer Investment Profile via online banking.

  • Can I update customer investment profile in online banking if I haven’t completed my initial investment profile at branch?

    No, our system will reject your request and advising you to visit our branch to complete the initial customer investment profile.

  • Which Browsers support the customer investment profile? Can I access to online banking customer investment profile via iPhone and iPad?

    Online Banking customer investment profile is supported by the following browsers

    • IE6.0
    • IE7.0
    • IE8.0
    • Firefox 3.6
    Currently the bank does not support online banking customer investment profile via iPhone and iPad.

Bill Payment
  • How do I apply for this Service?

    There are two pre-requisites for this service:

    1. You must be our Online Banking customer.
    2. You must enable the e-payment function.
    • The Bill Payment service is only available to pay utility bills and mobile top-up in Shanghai.
    • You can also try paying other city's utility bills via the CUP Online Payment platform. Click here for more details about our CUP Online Payment Platform.
  • What kind of Utility Bills can be paid through Bill Payments of Online Banking?

    All Shanghai City Utility Bills are available, including:

    1. Water Bills
    2. Electricity Bills
    3. Gas Bills
    4. Land-line Phone Bills
    5. Mobile Account Phone Bills
    6. Top-up Prepaid Mobile Account

    You can also try paying other city's utility bills via the CUP Online Payment platform. Click here for more details about our CUP Online Payment Platform.

  • Are Bill Payments real-time via Online?

    Yes. Bill Payments are paid real-time and also in Non-Working hours and Public Holidays.

  • What if my Utility Bill payment paid twice?

    All Utility Bills are immediately deducted from your bank account.

    For any duplicate payments please call our Customer Service Hotline 800 820 8088 to assist you to follow-up with the utility company.

  • What should I do if I do not receive the One Time Passcode (OTP)?

    You may not be receiving your OTP for a number of reasons. Please try the following steps:

    1. Your SMS Mailbox is full. Please check that this is not the reason.
    2. If you do not receive your OTP after 30 seconds, please click on the 'Resend OTP' button and the OTP will be resent to your mobile phone.
    3. If you still cannot receive the OTP please contact our Customer Service Hotline at 800 820 8088 for further assistance.

  • How do I know whether my Bill Payment has been successfully paid?

    Refer to the status in the Bill Payments Transaction History Tab under the "Payments" section on Online Banking.

    If the Status is "Successful" then the transfer has been successfully processed.

    You will also be sent an email to your Online Banking Mailbox after your payments has been successfully processed by the Bank.

    If you have requested SMS and Email alerts in "My Preferences" you will also receive and Email (to your preferred email address) and SMS (to your preferred mobile phone number) upon successful processing of this payment.

  • How long it will take for a Bill Payment to arrive at the Utility Company?

    If all payment information is accurate and the payment is successfully processed by the Bank, your payment will be transferred to Utility Company real-time.

  • Are there any Bill Payment Amount Limits on Online Banking?

    Online Banking has a Daily Limit for Third Party Funds Transfers and Payments.

    The Daily Limit for each customer is now:

    • Priority Banking & Priority Private Wealth Customers:CNY 1,000,000
    • Personal Banking Privileged Plan Customers:CNY 200,000
    • Personal Banking Customers:CNY 100,000

    The Online Banking daily limit is calculated as the sum of all domestic Third Party Funds Transfers within the Bank and outside the Bank, and Bill Payments.

    Users can reset their Online Banking daily limit within the "My Preferences" section of Online Banking, to an amount which is not higher than the Daily Limit.

  • How can I view my Bill Payments Transaction History via Online Banking?

    Refer to the Bill Payments Transaction History Tab under the "Payments" section on Online Banking.

  • What types of accounts can be used to perform Bill Payments via Online Banking?

    All the CNY Savings Accounts can be used to perform Bill Payment transactions (expect Joint Account, Repayment Accounts & Dormant accounts).

CUP Online Payment
  • How do I setup access to CUP Online Payment?

    As a prerequisite to applying for CUP Online Payment, first customers need to become a Standard Chartered Bank customer and receive a Standard Chartered Bank debit card.

    A customer must then register for access to Standard Chartered's Online Banking and apply for e-payment access.

    If a customer has not registered for Online Banking please visit our Standard Chartered Online Banking site and use your personal debit card to apply yourself instantly online.

    If a customer has not registered for e-payment access, please visit any branch with your personal ID to do so.

  • How do I track my CUP Online Payment Transaction history?

    Please login to SCB Online Banking, then visit our Bill Payment Section. You will find an "Online Payment Gateway" transaction history page. Your transaction history is available here.

  • What should I do if the payment result at SCB is "success" but the result at merchant site is "fail"?

    In this circumstance, your payment has been successful, however due to a failure on the merchant website your payment has not been reflected in merchant website.

    If the merchant website is temporarily unable to process your payment, the merchant will obtain payment details from bank and process the order.

    Please do not repay the order, to avoid duplicate payments.

  • How does SCB ensure the Security of the CUP Online Payment function?

    Online Payments uses SSL encryption, as does the rest of the Online Banking site.

    CUP Online Payments also uses Public Key Infrastructure (PKI) as its online payment system security architecture. PKI uses public key cryptography and symmetric cryptography which guarantees a very high level of security.

    Our 2-Factor Authentication model is also applicable when using Online Payments. Therefore when each transaction is made, you will receive a One Time Passcode (OTP) to your mobile phone to provide verification of the transaction and ensure the security of your online payment.

  • How do I know whether my payment was successful?

    Just login to SCB online Banking and check whether under Online Payment Transaction History tab your payment was success.

  • What's the major reason for an unsuccessful payment?

    Under normal circumstances, if the payment is unsuccessful, the bank will return an error message, clearly telling you the reason why your payment was unsuccessful. For example, wrong password or insufficient balance.

    If your payment has failed and the system has informed you why, please call Customer Service Hotline at 800-820-8088.

  • How do I modify or cancel my Online Payment Order?

    Once payment has been submitted, you cannot modify or cancel the order and the cardholder must contact the merchant directly to do so (if applicable).

  • If a payment request has been submitted, but my computer system fails, how to I check if my payment was successful?

    Please login to the Online Payment transaction history page to check the payment status.

  • What if I submit a payment request from merchant, but I am not re-directed to the SCB payment page?

    Usually this occurs because there is a connection error between the merchant site and the Bank's Online Banking site. If this happens, please contact our Customer Service Hotline at 800-820-8088.

  • What if I accidentally submitted the same order twice? Is it possible to create duplicate payments?

    Our CUP Online Payment function has restricted the possibility of duplicate payments.

  • What is the Online Banking Payment Daily Limit for each customer?

    The Online Banking Daily Limit is as follows:

    1. For Priority Banking & Priority Private Wealth Customers is RMB 1,000,000 , Personal Banking Privileged Plan Customers is RMB 200,000 and Personal Banking Customers is RMB 100,000.
    2. The Online Banking daily limit is calculated as the sum of all domestic Third Party Funds Transfers within the Bank and outside the Bank, and Bill Payments.

    Customer can customize their Daily Limit (within the maximum thresholds) via SCB Online Banking in the "My Preferences" section.

  • What is the SMS One Time Passcode (OTP) required during my payment transaction?

    SCB Online Banking employs "Two-Factor authentication (2FA) to verify customer identity" for every financial transaction to a third party.

    A One-Time-Passcode (OTP) will be sent via SMS to your cell phone each time a transaction is made.

    A transaction can only be completed once the OTP is entered over the Online Banking session.

  • Are there any security tips for online payment?

    To ensure the safety of your Online Payment, please take the following precautions:

    • Try to avoid Internet cafes and other public places in the computer using online payment. If it is necessary in public places to use a computer, please note that the input of the card numbers, passwords and other information is protected.
    • After Payment is complete please clear your browser and computer records.
    • Please check in the browser address bar that the Standard Chartered Bank URL is correct (http://www.standardchartered.com.cn/en) to prevent straying into hacking websites.

    For more security tips, please visit the Security section of our website by clicking here.

  • Are there any fee/ charges when using CUP Online Payment?

    The SCB Online Payment service is available to customers as a free service.

  • Should I record down the order number before payment?

    Your order number must be recorded down so that if you need to check the result of the transaction on either the merchant or the Bank side, you will have a reference number.

Global Link

Please note that for the purpose of this FAQ, the country which you login from is called the Origin Country and the country/s which you add to the Global Link service is called the Destination Country/s.
The Customer Service Hotline for those countries which offer Global Link service:

China: 800 820 8088/ 86 755 25892333 (areas outside China)
HK Hotline: (852) 2886 8868
Singapore: (65) 1800 747 7000
India: (91) 1800 345 1000/ 011 3940 4444/ 3940 4444/ 6601 4444
Malaysia: (60) 1300 888 111
Pakistan: (92) 111 002 002/ 0800 66 666
United Arab Emirates: (971) 65916160
Thailand: (66) 1595
Bahrain: (973) 17 531 532/ 80001 802
Indonesia: (62) 57 9999 88 or 68000 from mobile

  • What is Global Link? Can I access my accounts all over the world through using this function?

    Global Link allows customers to access the account information of their Standard Chartered Bank accounts in other countries (SG, MY, HK, IN, UAE, PK, TH, IN and BH).
    This service is only available in the English.

  • How do I add a country to the Global Link service?

    You will need to access the 'Add Accounts' feature in the Global Link service.

    You will also need to select which country to add and verify yourself with the username and password of the Online Banking service from the selected country.

    If it is successfully authenticated, the selected country will be added to the Global Link service.

    If you continually key in the wrong password for 5 times, you will be locked out of the Online Banking service in the selected country. It will not lock you out of the Online Banking service of the country which you are using to access Global Link.

    Each country can only be added once to the Global Link service i.e. if you access the Global Link from China, you will not be able to add another China account to it.

    A notification will be sent to the Mailbox of the destination country to indicate that this account has been added to a Global Link service.

  • Are there a maximum number of countries I can add to the Global Link service?

    You can link a maximum of 5 other countries to the Global Link service.

  • What can I do if the account for the selected country gets locked out when trying to add a country to the Global Link service?

    You will have to reset the password by using the existing reset password process for the selected country. You may need to contact the Customer Service Hotline of that country if needed.

  • What other features are available under Global Link?

    Currently the following features available under Global Link:

    • View Account - View the accounts from other countries you add
    • Add an Account - Link a country to Global Link
    • Delete an Account - Delete a country from Global Link
    • Sort Account Order - Determine which country you would like to see first in Global Link
  • Who should I call if I am facing problems with the Global Link service?

    The first point of contact should be the Customer Service Hotline in the Origin Country.

  • I had successfully linked a country but now cannot see it in Global Link?

    The most likely reason is that you have changed the online banking password of your destination country.

    When that happens, we automatically delete that destination country from all Global Link services which you have added it to.

    In order to re-link the country, you have to go through the same 'Add a Country' process again.

    We will send a notification to the Mailbox of the host country whenever the destination country is automatically deleted so you can check the mailbox for that notice.

  • What should I do if I have received a notification that my account was added to a Global Link service but I am unaware of it?

    Please immediately change your Online Banking password.

    You should then call our Customer Service Hotline to report misuse of the Online Banking service.

  • I see a message that my linked country accounts are not available. What does this mean and what can I do?

    You should try again later. There might be a problem in retrieving the account balance from the destination country.

    If you need to see the account balance of the destination country immediately, please login to the Online Banking of the destination country.

    Then please report the issue you are having to our Customer Service Hotline.

Security
  • How secure is this service? What security measures are being used by this service?

    This service employs the 128-bit Secure Socket Layer (SSL), which is one of the strongest encryption technologies most commonly used by large-scale online merchants, banks, and brokerages worldwide. All online sessions between you and the bank are protected by 128-bit encryption, which best protects your information against disclosure to third parties.

    For high risk transactions level security, this service employs "Two-Factor authentication (2FA) to verify customer identity".

    For extra precaution a separate security code has been added to the Online Banking login screen.

    Our Internet banking service is fully compliant with the Chinese regulatory requirements for Online Banking.

  • What is "Two-Factor-Authentication (2FA)"?

    Two-factor-Authentication is a security process requiring the user or customer to provide two means of identification known only to the customer.

    Our Online Banking uses these two means of ID:

    1. The Online Banking Password.
    2. A One-Time-Passcode (OTP) which will be sent via SMS to your cell phone each time a transaction is made.

    Two-factor authentication (2FA) is used to verify customer identity. This requires the customers to have a mobile phone registered with the Bank as a unique One-Time-Passcode (OTP) is generated and sent via SMS to customer's mobile phone for certain types of financial transactions.

    The transactions can only be completed once the OTP is entered over the Online Banking session.

  • How can I keep my Online Banking Account secure?

    Besides maintaining the confidentiality of your internet banking username and internet banking password, you should take the following precautions:

    • DO NOT reveal your username and password to anyone, write down or use it where someone else can see.
    • Don't click a URL to log into the site always type in the address of the site.
    • Change your password IMMEDIATELY, using the 'Change of Password' service, if you suspect it has been revealed and compromised.
    • DO NOT use easily recognised numbers such as your telephone number etc. as your password.
    • REMEMBER TO LOG OUT of the system and close your browser whenever you leave your computer, even for a short while.
    • Clear your browser's cache on a regular basis so that your account information is removed. This is particularly important if you are using a shared PC. You should clear it after each session.
    • Always use the latest recommended internet browser so that you are using the most updated security features available.
    • Each time you log into Online Banking, don't forget to check your last login time date and time.
    • We strongly recommend that you DO NOT conduct your Internet banking transactions on shared or public PCs unless you are sure that it is safe to do so.
    • If you really have to, please clear browser cache after each session so that your account information is removed from such PCs. You can also consider changing your password when you think it is safe.
  • What should I do if I suspect there are unauthorized transactions on my account?

    If you suspect there are unauthorized transactions on your account, please go to our branches or report this to our Customer Service Hotline immediately.

    Please provide details such as your name, account number, transaction type, date & time of transaction, description of error and amount involved.

    If you suspect these transactions are unauthorized due to lost/stolen password, please change your password or call our Customer Service Center (800-820-8088) to suspend the account immediately.

  • How do I safeguard and protect my password?
    • Do not choose a password that is easily identifiable such as your personal telephone number, birthday or other personal information etc.
    • Avoid using sequential numbers (such as 123456) or same number more than twice (such as 123226) for your password.
    • Use alphanumeric passwords (having both character and numbers such as rks976ijk or 15ritca etc.).
    • Your password must be kept confidential at all times and not be divulged to anyone.
      Do not reveal your password to anyone, including anyone working within the Bank and its employees.
    • Your password must be memorized and not be recorded anywhere. Do not write down your password or use it where someone can see.
    • Change your password immediately if you suspect it has been revealed or compromised.
    • Change your password regularly. You can change your password anytime under "My Preferences" - Change Password Tab.
System Requirement:
  • Minimum System Requirement:
    • PC with Pentium 166MHz processor or higher
    • 32 MB RAM or higher
    • SVGA or higher resolution monitor, 256 colors minimum, 1024 x 768 screen resolution
    • Modem of 56kbps or higher
    • Microsoft Windows 95/98/NT/2000 operating system
    • Supported by the following browsers:
    • IE 7.0
    • Chrome 5.0
    • Fire Fox 3.6.13
    • Safari 5.0 (Windows)
    • Mac Safari
    • Both 'Java' and 'Java Script' have to be enabled
    • Please ensure the Microsoft Virtual Machine is the default for your browser.
    • 'Cookies' and 'Java Script' should remain enabled on your browser.

    * To make use of the 128-bit SSL encryption and enjoy the highest level of security, we strongly recommend that you upgrade your browser to the most up to date Internet Explorer Version.

SMS Banking

About the Service
  • What is SMS Banking?

    SMS Banking is a safe & convenient service provided by Standard Chartered Bank via the mobile phone.

    It provides two types of services, one is the SMS Alert Service and the other is the SMS Interactive Service.

    The SMS Alerts Service allows you to receive relevant SMS Alerts which are pre-selected by the individual user.

    SMS Interactive Service allows you to trigger various account services by sending instructions to Standard Chartered Bank via SMS.

  • Why choose SMS Banking?

    SMS Banking is easy to apply and use, anywhere, at anytime. By signing up for this service, you can access your Standard Chartered Bank account information 24 hours a day, wherever you are.

  • Service Fee & Charge

    Our bank does not currently charge our customers for this service.

    Customers only need to pay their mobile bills to their respective mobile operators.

  • Is SMS Banking a 24-hour service?

    Yes. It is.

  • Can I use SMS Banking abroad?

    Yes you can, as long as your SMS operator provides overseas mobile services.

  • What functions dose SMS Banking have?

    Currently, our SMS banking have below services:

    1. SMS Banking Alert Service

      1.1 Transaction Alert
          1.1.1. Branch Credit/Debit Transaction Alert
          1.1.2. Branch Foreign Currency Exchange Alert
          1.1.3. Branch External Transaction Alert
          1.1.4. Salary Transaction Alert
          1.1.5. Standing Instruction Transaction Alert
          1.1.6. Investment Products Transaction Alert
          1.1.7. IVR Transfer Alert
          1.1.8. Inward/Outward Transfer Alert
          1.1.9. Online Payment Alert
          1.1.10. Personal Loan drawdown and repayment alert
      1.2 Time Deposit Rollover Alert
      1.3 Early Time Deposit Maturity Alert
      1.4 Birthday Alert

    2. SMS Banking Interactive Service

      2.1 Balance Enquiry
      2.2 Own Account Fund Transfer
      2.3 PIN Change
      2.4 Help (Message Format)

    3. Customer Customization

      3.1 Service Language Selection (Simplified Chinese/ English)
      3.2 Customer Self Register SMS Banking
      3.3 Customize Alert Setting
      3.4 Customize Alert Threshold Setting
      3.5 Nickname Setting
      3.6 Unsubscribe the SMS Banking Service

  • Is SMS Banking Safe?

    Customer can only perform transactions and enquiries within their own accounts after registering and activating our SMS Banking service. Funds Transfers to third parties with SCB accounts or to parties with other bank accounts is not available via SMS Banking.

    Customer can apply for this service in our branch or via our Customer Service Hotline.

    There are 3 layers of firewall in the SMS Banking management platform ensuring the safety of our operational environment.

    Any information being transmitted will be encrypted to ensure customer information is safe and the message sent by the customer to SMS Banking cannot be hacked.

How To Apply
  • Who can I apply for this service?

    If you are a Standard Chartered Bank (China) Limited customer with at least one personal savings account and you have registered your mobile phone number with our bank, you can apply for this service.

  • How do I apply for this service?

    You can apply for the SMS Banking Service by calling our customer service hotline 8008208088.

    Or visit one of our Branches and ensure you bring relevant identification (ID card) to our branch to apply. If you are opening an account with our bank for the first time, then please apply for this service 1 or 2 working days after you open the account.

  • What equipment do I need to use this service?

    You need a mobile phone which can send and receive SMS. You need to register your mobile phone number with our bank to use this service.

  • How do I change my registered mobile phone number?

    You need to go to one of our branches to change your mobile phone number or visit our Online Banking site, "My Preferences" section to change your mobile number. Please note you will need your original mobile phone to receive the One Time Passcode (OTP) to verify this transaction.

    Please notice this mobile number change will also affect other services you have in Standard Chartered Bank.

  • How can I change the language setting for this service?

    Please call our hotline 800-820-8088 or visit the SMS Banking Service section within Standard Chartered Bank's Online Banking Service to reselect your language preference.

How To Use
  • What is the SMS Banking Service Number? Can all China mobile operators support our SMS Banking Service?

    China Mobile: 106575206109527
    China Unicom: 106980004008527
    China Telecom: 106980004008527

  • How do I customize the functions I need and cancel the functions I don't need?

    You can customize which SMS Banking functions you need when subscribing to our SMS Banking service by calling our Customer Support Hotline 8008208088, at any time.

  • How do I activate my SMS Banking service after subscribing?

    After you receive a message confirming you have successfully subscribed to our SMS Banking service, you will need to activate the service by replying to the message (in the format shown below) and choosing the 4-digit SMS Banking pin:

    RG [space] 4 digit pin that you want to set as your SMS banking pin.

    For example: RG 1234

  • How do I setup a Nickname for my SMS Banking service after subscribing?

    Please login to SCB online banking, click "SMS Banking" then click "Manage your Account Nicknames".

    Enter your nickname under "Account Nickname", then click "Apply these settings".

  • How do I make an account balance enquiry?

    Use your mobile phone to create a message and input:

    BE [space] 4 digits pin [space] account last four digits.

    For Example: BE 1234 9876

    Send this message to the SMS Banking Service.

    Number of your mobile phone operator (see above for numbers).

  • How do I perform Funds Transfers between own SCB Accounts?

    Use your mobile phone to create a message and input:

    FT [space] 4 digits pin [space] transfer-out account last 4 digits [space] transfer-in account last 4 digits [space] amount.

    For Example: FT 1234 9876 5432

    Send this message to the SMS Banking Service.

    Number of your mobile phone operator (see above for numbers).

  • How do I change my SMS Banking pin (password)?

    Use your mobile phone to create a message and input:

    PC [space] old 4 digits pin [space] new 4 digits pin.

    For Example: PC 1234 8888

    Send this message to the SMS Banking Service.

    Number of your mobile phone operator (see above for numbers).

  • How do I get a help message (when I forget the SMS Banking Codes) sent to my mobile phone?

    Use your mobile phone to create a message and input:

    HL [space] 4 digits pin.

    For Example: HL 1234

    Send this message to the SMS Banking Service.

    Number of your mobile phone operator (see above for numbers).

  • What if I forget my SMS banking password?

    If you forget your password, please call our Customer Service Hotline on 8008208088. Our call center staff will help you to re-activate your SMS banking service, after which you can reply:

    RG [space] new 4 digits pin

    to re-set your password.

  • How do I unsubscribe the SMS Banking Service? How do I re-subscribe?

    If you want to unsubscribe the SMS Banking service:

    Use your mobile phone to create a message and input:

    UNSUB [space] 4 digit pin.

    Send this message to the SMS Banking Service.

    Number of your mobile phone operator (see above for numbers).

    If you want to re-subscribe, you can call our Customer Service Hotline on 8008208088.

  • Why have I received a message that doesn't follow the normal SMS Banking format?

    Please contact our Customer Service Hotline on 800820808 and we will look into this problem with our mobile operators.

Account Balance Enquiry Use Guide
  • What account balance information can I enquire about?

    You can enquire about your Standard Chartered Bank (China) savings account balance.

Funds Transfer Between Own SCB China Accounts User Guide
  • What kind of Funds Transfers can I perform by using this service?

    By using SMS Banking, you can perform personal saving accounts Funds Transfer between your same currency accounts within SCB.

  • How long does it take to process Funds Transfers between own SCB China accounts?

    It takes effect immediately.

  • Are there any limitations to the Funds Transfer function? Are there any transfer amount limits?

    You can only transfer money between Standard Chartered Bank accounts under your name within China. There is no limit to same currency funds transfers. There is no daily limit.

  • Can I perform Foreign Currency Funds Transfer using SMS Banking?

    Currently, SMS banking only supports same currency Funds Transfers between your own SCB China accounts.

  • How can I confirm my Funds Transfer transaction has been successful?

    You can use the Account Balance Enquiry function to verify your Funds Transfer transaction.

eStatement

  • Why can't I find my eStatement email in my "Inbox"?

    Please try to check your "Junk email" box. Your eStatement may be treated as "Junk email" due to your email server security setting.

    To avoid this auto filtering, please add estatement.cn@sc.com to your safe sender list.

  • Why does my eStatement not display accurate Chinese characters?

    Just change the language setting in your email box to UTF-8. From the tool bar, select view > encoding > Unicode (UTF-8) in your email box setup.

  • Why can't I open my eStatement in PDF?

    To open the eStatement in PDF format, it is required to use Adobe Reader Version 7.0 or higher. Click www.adobe.com to download the updated version.

  • Why can't I view Chinese characters properly in my eStatement?

    If your eStatement PDF does not show Chinese characters properly, please install Adobe Reader Chinese Simplified Fonts.

  • Can I change or reset my password?

    Please access "eStatement" in online banking. Click "eStatement settings", and "update" your password.

  • Will I still receive my paper statement after my application for the eStatement service?

    Your paper statement will be replaced by your eStatement once you have successfully applied for your eStatement. If you want to resume receiving paper statement, you can come to branch or call our Call Center 8008208088 to understand how to do this.

  • What's the difference between "Online and Email Alert" and "Online and Email Attachment"?

    Online and Email Alert is the newly introduced email alert service launched on 15 Sep 2013. You will receive e-mail notifications to remind you to view e-Statement online when your e-Statement is ready. There is no need to remember your e-Statement password anymore, you could view or download your latest 12 cycles eStatement online.

    Online and Email Attachment is to send your eStatement in PDF format to your email address, while you need input eStatement password to read it. You can also view or download eStatement in online banking.

  • Why choose Email Alert?

    The e-Statement cannot be lost or misplaced. And there is no need to remember e-Statement password,you can receive the e-mail notification when your monthly e-Statement is ready, and you can login to online banking to view your statements for the previous 12 cycles for free by just a few clicks.

  • How to view eStatement online?

    Login to Standard Chartered online banking with your user name and password. Then click "eStatement" in left menu and click "View eStatement" to view or download up to 12 cycles eStatement.

  • How to change my e-Statement option for the subscription to "Email Alert"?
    1. Login to Standard Chartered online banking with your user name and password. Then click "eStatements" in left menu and click "Subscriptions" to view your statement option, and click "Change Subscription" to change the option.

    2. Select "View eStatement Online, get notified via email alerts" to receive email alert, tick "I accept the Terms and Conditions above." and click "Next" to confirm.

    3. You have successfully updated the information.

  • How to view my e-Statement online if I am not an online banking customer?

    Open Standard Chartered Online Banking, select Online Banking in the navigation menu on the left hand side and click "Register". For registration details, please click here >>

  • How to register for Standard Chartered Bank online banking if I don't have a Standard Chartered debit card?

    You need to visit Standard Chartered Bank branches with your valid ID card to apply for a Standard Chartered debit card. For branches network please click here >>

The Chinese version shall in any event prevail if there is any discrepancy between the Chinese and English versions.

Call Us

Call our hotline for further information.

800 820 8088

Contact Me

Alternatively, please complete our contact form and we will be in touch as soon as possible.

Contact Me »

Locate Us

Visit the branch that is nearest to you.

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.

Disclaimer

Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.

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