transaction banking Powering businesses for a transformative and sustainable future

Adapt for the future without compromising on your transactions today. We can ensure consistency of your financial flows, sustainably finance your supply chain, and help you prepare for new opportunities.

Global solutions, tailored to local needs

Our banking heritage spans more than 160 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.

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 allow you to contribute to sustainable development, without compromising on liquidity. 

Featured highlights

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.

Steadfast treasury excellence

Among several cash and trade awards under Treasury Management International (TMI)’s 2021 Awards for Innovation & Excellence, we were also recognised for two client solutions: one for COVID-19 response and the other for addressing the client’s ESG needs.

The Asset: A record breaking year

We are especially proud to be Best Renminbi Bank in 11 of 18 markets in Asia, Africa, Middle East and Latin America, and to be named Best Transaction Bank in China for the first time under the publication’s 2021 Triple A programme. The broader list of wins is also a nod to our extensive network strength in Asia, Africa and Middle East.

Leaders in innovation

We were named the leading bank for innovation under Global Trade Review (GTR)’s 2021 Leaders in Trade awards, in acknowledgement of our bespoke approach to financing cross-border trade.

Transforming trade finance

We were awarded Transaction Bank of the Year for Trade Finance for the second year running, as part of The Banker’s Transaction Banking Awards 2021. And Global Finance also recently named us the best Global Trade Finance Bank, for the second year running.