Enhanced Security

3D Secure™ features an extra text message/email authentication process when using your card to shop on websites with the 'Verified by Visa' or 'MasterCard SecureCode' sign.

Fraud Protection

Transaction will be authorised after entering the One Time Password (OTP) sent to you via text message or email.

No Hassle

There are no lengthy forms to fill in and no hassle to register in order to secure your online purchases. You’ll simply need to keep your contact details up to date.

Stress Free

You can now enjoy shopping online using your card in a safe and secure manner, without worrying about the integrity of the retailer you’re buying from.

  • Shop

    Make an online purchase at any website with the 'Verified by Visa' or 'MasterCard SecureCode' sign.

  • Pay

    Enter your Standard Chartered credit or debit card details during the checkout process.

  • Receive OTP

    You will receive a One Time Password sent to your mobile phone and email address.

  • Enter OTP

    You’ll be asked to enter the One Time Password you receive.

  • Complete

    Your transaction will be completed and you can relax knowing you are protected.


What is 3D Secure™?

3D Secure™ is an online security feature powered by Visa and MasterCard for credit and debit card transactions carried out online. It protects you from unauthorised online purchases as you will be required to provide a one-time password (OTP) that is sent to your registered mobile number when making purchaseson websites bearing the "Verified by Visa" or "MasterCard SecureCode" sign.

Is 3D Secure™ applicable for all online purchases?

No, this additional authentication process is applicable only to websites that have enabled the security feature. You will know if the website is enabled for 3D Secure™ if the "Verified by Visa" or "MasterCard SecureCode" sign is displayed on the website.

How does 3D Secure™ protect me against unauthorised transactions?

Before you can complete your online purchase, you must enter a one-time password (OTP), that will be sent to your mobile number and/or email address. This additional authorisation step ensures that only the cardholder will have the password required to complete the transaction.

How much does the 3D Secure™ feature cost?

It is a free security feature on all Standard Chartered credit and debit cards.

Do I need to apply for a new Standard Chartered credit or debit card to enable the 3D Secure™ feature?

No, it is applicable across all Standard Chartered Chip and PIN credit and debit cards.

How can I update my mobile number and email address?

Contact Phone Banking on (+971) 600 5222 88 (Personal Banking customers) or (+971) 8004949 (Priority Banking clients). You can also update your details by logging in to online banking.

Terms and Conditions

Need to know

The One Time Password (OTP) will be sent to your registered mobile number and email address. Please ensure that they are both updated on our records.

Enable pop-up windows in your browser as you must enter the One Time Password (OTP) on a pop-up window on the payment page.

Some websites are not 3D Secure™ compliant and do not ask for a One Time Password (OTP) to authorise the transactions.

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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.


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.