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To grow, your business needs to be agile. And so does your bank account.

Smart Business Account

The Smart Business account is ideal for businesses with consistent monthly sales. Unlike traditional business accounts, our Smart Business Account only a minimum amount of business inflows every month, rather than a minimum balance requirement.



  • A1: After successful application of Smart Business Account, we will calculate the TBCs of the entire month on the last working day of the calendar month. If the TBCs requirement fails to be fulfilled in a certain month, we shall charge all service fee/transaction charges on the first working day of the subsequent calendar month based on the standard tariff under SBA (i.e. preferential rate not applicable).

  • A2: All of the service fee will be deducted from your designated SBA and all other transactional charges will be deducted either from your designated SBA account or from other relevant bank the transacting accounts.

  • A3: No. All electronic services platforms and value-added services included in Smart Business Account are offered for free.

  • A4: Please refer to web pages of trade services and business working capital facility, forex and priority banking for details or consult your relationship manager.


This material is for reference only, and does not constitute offer or invitation for offer of any financial service or product. Please refer to relevant service or product terms for details of the service or product. Standard Chartered Bank (China) limited (the “Bank”) may alter any contents herein at its sole discretion at any time, and please make sure to check with your Relationship Manager for details. The Chinese version shall prevail in case of a discrepancy between the English version and Chinese version.