Your Guide to Digital Banking

Steps on how to make instant bill payments

Step 1: Log into your Online/Mobile account and select “Payments” under “Menu”.

Step 2: Navigate to “One Time Bill Payment” and Select your Biller Type and Biller Name.

Step 3: Click on “Continue”.

Step 4: Select the debit account and payment amount.

Step 5: Accept the terms and conditions and click “Confirm”.

Step 6: You also have the option to add a Biller, Manage your Direct Debits, and Payment History.

If you wish to do this now, login to https://retail.sc.com/afr/ibank/gh/foa/login.htm

Steps on how to register and save your biller

Step 1: Visit Online Banking or SC Mobile app and log in to your account.

Step 2: Select “Payments” under “Menu” and navigate to “Add Biller.

Step 3: You can make payments for Airtime, Utilities, Airlines and Mobile Money

Step 4:Select your biller type (one of the above billers) and the biller name you are adding. Click “Next”.

Step 5: Key in your consumer/utility number and click “Next”.

Step 6: Agree to Terms & Conditions and click “Submit”.

Step 7: Enter the OTP (sent to your registered mobile number) and click “Next”.

Step 8: Your request to add your biller is successful and you can proceed to make payment.

If you wish to do this now, login to https://retail.sc.com/afr/ibank/gh/foa/login.htm

Steps on how to make credit card payments

Step 1: Visit Online Banking or SC Mobile app and log in to your account.

Step 2: Click on Menu and select “Pay SC Credit Card” under “Payments”.

Step 3: Enter Payment details (Pay To and Pay From).

Step 4: Select or Enter the amount to pay and Payment Date.

Step 5: Review the details of the payment and click “Confirm”.

Step 6: Payment to your credit card is now complete.

If you wish to do this now, login to https://retail.sc.com/afr/ibank/gh/foa/login.htm

Step 1: Visit Online or Mobile Banking.

Step 2: Go to the menu and select “Between Own Accounts” under “Transfers”.

Step 3: Select Account to be Transferred To

Step 4: Select Account to be Transferred From.

Step 5: Enter Amount.

Step 6: Review the details of the transfer and Click “Confirm”.

Step 7: Your transfer is complete!

If you wish to do this now, login to https://retail.sc.com/afr/ibank/gh/foa/login.htm

Steps on how to transfer funds to local accounts

Step 1: Visit Online Banking or SC Mobile app and log in to your account.

Step 2: Go to the menu and select “Local Transfers” under “Transfers”. Options for Local Payees include:

• 3^rd Party Beneficiary –> Payee Type–> Standard Chartered Account
• Local Beneficiary–> Payee Type–> Other Local Banking Account

Step 3: Select the beneficiary you will be remitting funds to and click “Next”.

Step 4: Select the funding account and the amount to be transferred.

Step 5: Enter a payment description, if required and click “Next”.

Step 6: Review the details of the transfer and click “Confirm”.

Step 7: Your transfer is on its way!

If you wish to do this now, login to https://retail.sc.com/afr/ibank/gh/foa/login.htm

Steps on how to transfer funds to international accounts

Step 1: Visit Online Banking or SC Mobile app and log in to your account.

Step 2: Go to the menu and select “International Transfers” under “Transfers”.

Step 3: Select the beneficiary you will be remitting funds to and click “Next”.

Step 4: Select the funding account, the transfer amount and who picks up the cost of remittance.

Step 5: Enter a payment description, if required and click next.

Step 6: Review the details of the transfer and click “Confirm”.

Step 7: Your transfer is on its way

If you wish to do this now, login to https://retail.sc.com/afr/ibank/gh/foa/login.htm

Steps on how to add payees

Step 1: Visit Online Banking or SC Mobile app and log in to your account.

Step 2: Select “Transfers” from menu.

Step 3: Click Add New Local Payee.

Step 4: Enter the required beneficiary details and click next.

Step 5: Click “Confirm”.

Step 6: Enter the One Time Password (OTP) sent to your registered number and click “Next”.

Step 7: Payee successfully added!

*For GIS and International Payee, note you will be required to key in your SWIFT code.

If you wish to do this now, login to https://retail.sc.com/afr/ibank/gh/foa/login.htm

Steps on how to set up a recurring transfers or schedule a future transfer

Step 1: Go to “Menu” and Select “Standing Instruction & Schedule Transfer”.

Step 2: Click on “Set Up Standing Instruction or Scheduled Transfer”.

Step 3: Select Type of Transfer you would like to schedule

• Between Own Accounts
• To Local Account
• To International Account

Step 4: Fill the required details of the account and click “Next”.

Step 5: Confirm the details of the account and accept the Terms and Conditions to proceed with “Next”.

Step 6: Now your standing instruction has been set up!

If you wish to do this now, login to https://retail.sc.com/afr/ibank/gh/foa/login.htm

Steps on how to view transfer history

Step 1: Go to menu and Select “History” under Transfers

Step 2: View date, account details, beneficiary, amount, status and transfer type.

Step 3: Now you can see your transfer history on the go.

If you wish to do this now, login in to your account  https://retail.sc.com/afr/ibank/gh/foa/login.htm

Funds Transfer Limit

Steps on how to request for a chequebook

Step 1: Go to menu and Select “Service Requests”.

Step 2: Select Cheque Book Request from either of the options below

• Choose option under Most Popular Request or
• Choose option under Service Request by Category–> Account Management–>Cheque Book Request

Step 3: Choose which account you would like your cheque book to be issued for.

Step 4: This request will be shown to eligible accounts.

Step 5: Once details are confirmed the cheque book will be sent to your branch for pickup

Step 6: To track the status of your cheque book or any other request, go to the “Service Requests” menu and select status.

If you wish to do this now, login to https://retail.sc.com/afr/ibank/gh/foa/login.htm

Steps on how to track your request:

Step 1: To track the status of your request, visit the “Service Requests” menu and select “Status”.

Step 2: View the status of all active and completed requests.

Step 3: User can see whether the request is received, process, or completed.

Please note only requests for the past 90 days can be shown.

If you wish to do this now, login to https://retail.sc.com/afr/ibank/gh/foa/login.htm

Steps on how to activate your card

Step 1: Go to menu and Select ‘Service Requests’.

Step 2: Select either Debit or Credit Card Activation & PIN Set under ‘Service Request by category’–> ‘Card Management’.

Step 3: Choose which card to activate.

Step 4: Ensure that you have your card before proceeding for Activation and PIN Set.

Step 5: Enter PIN for your debit or credit card.

Step 6: Key in the OTP sent to your registered mobile number and click next.

Step 7: Review the details on screen and click ‘Confirm’.

Step 8: Your card is now activated with a PIN.

Note: Credit cards are activated within 24 hours, but you can activate your card prior to the 24 hours through the above.

Steps on how to change your card PIN

Step 1: Go to menu and Select ‘Service Requests’.

Step 2: Select either Debit or Credit Card PIN Change under ‘Service Request by category’–> ‘Card Management’.

Step 3: Choose which card to activate.

Step 4: Enter PIN for your debit or credit card.

Step 5: Key in the OTP sent to your registered mobile number and click next.

Step 6: Review the details on screen and click ‘Confirm’.

Step 7: Your card is now activated with a PIN.

If you wish to do this now, login to https://retail.sc.com/afr/ibank/gh/foa/login.htm

Steps on how to instantly block a lost or stolen card

Step 1: Go to menu and Select ‘Service Requests’.

Step 2: Select either Block/Replace Card under Most popular service requests or under ‘Service Request by category’–> ‘Card Management’.

Step 3: Choose which card to block and reason for block.

Step 4: Tick the replace option to have card replaced. You can leave option unselected if you are not ready to replace at that moment

Step 5: Key in the OTP sent to your registered mobile number and click next.

Step 6: Review the details on screen and click ‘Confirm’.

Step 7: Your card is now blocked

Note: Card replacement fee will be charged

Standalone Replacement

If you left the replace option unselected, please follow the instructions above and select “Replace Card” under card management to have card replaced

If you wish to do this now, login to https://retail.sc.com/afr/ibank/gh/foa/login.htm

Steps on how to update your personal information

Step 1: Select “Service Requests” from the main menu.

Step 1: Select “Update My Account Profile” from “Personal Details” Menu.

Step 2: Enter the OTP sent by SMS.

Step 3: Press OK on the pop-up message.

Step 4: Edit the section of your choice.

Step 5: Select “Next” to review. If page refers you to any missing information on your account, kindly provide to proceed

Step 6: Review information provided and select next.

Step 7: Enter the OTP again to confirm changes.

Step 8: Request submitted and the reference number will be provided.

Step 9: Your details have now been updated in a matter of minutes.

If you wish to do this now, login to https://retail.sc.com/afr/ibank/gh/foa/login.htm

Steps on how to manage your global accounts

Step 1: Go to online banking and login with your username and password

Step 2: Select “Global Link Accounts”under menu.

Step 3: Select “Manage Global Accounts” and click on “Link Account”.

Step 4: Select the country you want to link and enter in the Online Banking credentials of that country.

Step 5: Click “Next” to see the relationships held in the country you added through your Ghana Online banking access.

If you wish to do this now, login to https://retail.sc.com/afr/ibank/gh/foa/login.htm

Steps on how to apply for a credit card

Step 1: Go to https://www.sc.com/gh/credit-cards/

Step 2: Select Apply.

Step 3: Choose from a list of credit card options.

Step 4: Select the card of your choice.

Step 5: You will be directed to Fill the Application Form.

Step 6: Complete and submit the Application Form.

Step 7: Our call centre team will reach out to you on the phone number you provided.

If you wish to do this now, visit https://www.sc.com/gh/credit-cards/

Steps on how to open an additional bank account

Step 1: Log into online banking.

Step 2: Select Apply for Products under Menu.

Step 3: Select an Account for Opening.

•       Savings Account
•       Fixed Deposit Account

Step 4: Confirm your details.

Step 5: Enter Deposit Amount.

Step 6: Select the account you want the deposit to be Transferred From.

Step 7: Accept the T&Cs and click ‘Next’.

Step 8: Congratulations! You have a new account and you can start using it instantly.

If you wish to do this now, visit https://www.sc.com/gh/deposits/

Steps on how to apply for a mortgage or other loan

Step 1: Go to https://www.sc.com/gh/loans/.

Step 2: Select Apply Now

Step 3: You will be directed to Fill an Application Form.

Step 4: Complete and submit the Application Form.

Step 6: Our call centre team will reach out to you on the phone number you provided.

If you wish to do this now, visit https://www.sc.com/gh/loans/