You've got financial needs? Why liquidate your lifetime savings – Instead avail the Personal Life of Credit without liquidating your investments.

Personal Line of Credit is an efficient, accessible and convenient way of meeting all your short-term liquidity needs. With this, you don't have to liquidate your long-term savings and investments set aside to meet your future financial goals and be able to meet your financial needs by paying only a nominal markup.


  • Financing up to maximum of 70% for securities and 90% for fixed deposits
  • Avail facility at the most competitive rate in the market
  • Markup charged only on the amount utilized and for the number of days utilized


Your Personal Line of Credit account works just like a regular Ghana Cedi account. With this facility, you get the following additional benefits:

  • Competitive Rates: We offer the most competitive interest rates in the market. So you earn substantial returns on your investments and avail Personal Line of Credit facility to balance out your cash needs.
  • Great Limits: With the Personal Line of Credit you get financing up to 90% of your collateral value
  • Approved Collaterals: The following collaterals are acceptable to us to offer you the facility:
    • Ghana Cedi Fixed Deposits maintained with Standard Chartered Bank
    • Foreign Currency Fixed Deposits maintained with Standard Chartered Bank
    • T-bills
  • Easy Access to Cash: With your Personal Line of Credit account, you do not have to restrict yourself to make or withdraw cash from SCB branches only. Now you can withdraw funds from any of our 30 Standard Chartered ATM machines across Ghana. You can also use your VISA Debit Card to make purchases directly from your account. Now you don't need to carry large cash as your VISA Card is accepted by more than 10 million merchants in more than 160 countries.

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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.