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Transaction banking
Powering businesses in the real economy
Adapt for the future without compromising on your transactions today
Global reach, local expertise
Our banking heritage spans more than 170 years. And throughout the decades, we’ve combined the stability of an international bank with the close market proximity of a local one. This means we can shape solutions to meet the needs of both your global headquarters and local offices.
We know that above all, you need reliability. That’s why our commitment to service excellence – to ensure efficiency and accuracy for your daily cash, trade and working capital operations – is unwavering.
But we also know that you increasingly need access to digitally-enabled solutions and data to power decisions and drive profitability. On top of this, you’re ever-more mindful of the world around you, seeking banking support that helps balance these goals with one of being more sustainable. We commit to being that support.
Why choose us?
Our user-friendly digital platforms enable you to transact in real-time, smoothly and with certainty
Rely on one global partner
Meet your transaction banking needs across emerging and developed markets
Make our world more sustainable
Being more sustainable doesn’t need to come at the expense of your transactions – or profitability
Digitally-enabled solutions
Our user-friendly digital platforms enable you to transact in real-time, smoothly and with certainty
Meeting your goals
Let us help you meet your objectives – the enduring and the emerging – with a promise of continued service excellence.
Optimise your cash, protect your business
Finding the right balance in cash management isn’t easy. You want to put your surplus cash to best use, but you’re also mindful of risk. And without visibility, the balance can easily be lost.
We can help you reach all these goals, across some of the world’s most complex markets. Supported by our digital platforms and embedded automation, we offer solutions in liquidity management, account services, FX, and escrow that provide visibility, control, and cash flow optimisation – all while carefully managing risk.
We’re also looking to the future. For example, via our Sustainable Account, you can meet your daily cash needs whilst contributing to sustainable development.
Fortify your working capital
Cash flow management should be at the centre of every solid working capital strategy. Effectively managing your finances will not only ensure you meet short-term liabilities; it allows you to plan for long-term growth.
Of course, no one organisation’s working capital needs are the same. We therefore offer tailored advice and a complete set of customisable solutions to help you balance these core transactions with inventory, surplus cash, and more.
And with our analytical approach to working capital management, you can easily plan for and forecast impacts on your upcoming cash cycles. We can also support you with important benchmarking against your peers and industry.
Reach your digital potential
We‘re creating new digital approaches to make your life easier.
Our user-friendly digital platforms enable you to enact transactions in real-time – smoothly and with certainty. Straight2Bank Pay, for example, digitalises collections whilst aggregating multiple payment methods in one place. And SCPay ensures a fast, scalable, and reliable payments experience, using cloud technology.
And on our Straight2Bank platform, you can approve payments and transactions, access trade limits, view exchange rates, and more.
We’re also investing now in technologies that will power the future of trade financing. For example, our recently-launched blockchain-based digital trade finance platform with Linklogis will provide fast and hassle-free access to working capital across supply chains.
Prepare for the future of trade
The 2020s will be a decade of transformative change in trade. With this comes new challenges: sustainability concerns, regulatory shifts, and economic uncertainty – to name a few.
As a long-standing trade bank, we’re committed to supporting you throughout. We provide core documentary trade solutions such as letters of credit. And in supply chain management, we uniquely fund entire networks, so that you can support your suppliers and buyers, and keep everything moving.
We can also make your trade financing simpler and speedier via digital capabilities, whilst together supporting a better, cleaner and safer world with sustainable financing solutions.
Contribute to a better world
We know how important sustainability is to you – it’s critical to us too. We also believe that being more sustainable doesn’t need to come at the expense of your transactions – or profitability.
This is why we’re now bringing you sustainability-focused solutions, based on our existing transaction banking offerings.
In trade, we’ve developed various sustainability-linked financing solutions, including letters of credit and invoice financing. In cash management, we now offer Sustainable Account, which allows you to contribute to sustainable development, without compromising on liquidity.
Case studies
Explore how companies like yours have found success with Standard Chartered. Learn from real examples and proven solutions, spanning instant payments to treasury optimisation and IHB to sustainability.
Embed sustainable development commitment in cash management
Learn how Decathlon contributed to its sustainable development agenda while maintaining access to funds for daily liquidity requirements.
Commit to sustainability goals while meeting liquidity needs
Learn how South32 was able to diversify its treasury investment portfolio and increase short-term liquidity, whilst optimising return on cash.
Reinventing the used truck buy/sell experience
Leveraging payment, collections, and escrow solutions from Standard Chartered, WTX.com – backed by Daimler Truck – now offers an online platform for buyers and sellers of used trucks to transact with ease, convenience, and confidence globally.
Delivering competitive advantage by harnessing treasury technology
A transparent and seamless experience for customers was key to staying competitive for Borneo Motors. Find out how digital innovation and a one-stop, digital future-proof solution were key to their success.
Our latest thinking
Explore our perspectives on global trends, in-market nuances, and so much more
How evolving regulations are transforming cross-border treas…
The shifting regulatory environment is impacting cash management and payments functions, presenting treasury tea…
Proof of our commitment
We continue to be recognised in transaction banking for product development, breadth of coverage and service excellence. Here are some of our most recent award wins.
Proud to be named Best ESG Transaction Bank, Best Liquidity Management Bank, Best Renminbi Bank, Fintech Partner, and Best in Treasury and Working Capital for LLCs and for NBFIs, in addition to 110 further accolades in The Asset Triple A Treasurise Awards 2023.
Five wins awarded by Global Finance for Best Treasury and Cash Management Providers 2023: Best Bank for Cash Management – Asia Pacific and Best Overall Bank for Cash Management in the markets of China, Vietnam, Bangladesh and Kenya.
Received six awards in the TMI Awards for Innovation & Excellence in Treasury 2022, incl. our second consecutive win for Best Bank for Cash & Liquidity Management – Asia Pacific and Best Bank for Trade & Financial Supply Chain Management – Asia Pacific.
Among our awards for providing an outstanding customer experience, we are especially proud of being awarded the World’s Best Transaction Bank for Digital CX by The Digital Banker. This reflects our client-centric and solution-oriented approach .