Online Banking

About the Service
What is Online Banking?

Online Banking is a simple, hassle-free and secure internet banking service available to Standard Chartered customers.

Why should I choose Online Banking?
  • It's so easy to apply. And, it's FREE!
  • It's your own bank. You have instant access to up-to-date information on your accounts.
  • It's safe & easy. Using your internet banking ID and internet banking password, you can now bank with confidence knowing that your transactions remain safe with us. With our simple and intuitive navigational toolbars and buttons, you don't need other instructions or assistance.
  • It's fast. It takes only a few minutes to get updated account information and complete a banking transaction - giving you more time to do other things.
  • It's convenient. You can perform online banking right from the comfort of your home or office.
  • With this service, you can access your Standard Chartered accounts 24 hours of the day, 365 days of the year.
  • It's worldwide access. As long as you can access the Internet, you can access your Standard Chartered accounts, anywhere in the world.
  • No special software required. You don't need to purchase any special software. As long as you have a personal computer (PC) with the minimum configuration, you are ready to start. Please check the minimum browser requirement.
  • Wide range of service. Our wide range of online banking services will help you to better manage your finance. Moreover, we will progressively add more new services for your convenience.
Do I have to pay for using this service / Is there an extra charge for this service?

There is no extra charge for using this service.

Is this service available 24-hours?

Yes. This service is available 24 hours a day, 7 days a week.

Can I access the service from overseas?

Yes. As long as you are able to access the Internet with the recommended internet browser, you will be able to access the service.

Security
How secure is this service / How safe is my personal information going through the service / What security measures are being used by the service?

This service employs the 128-bit Secure Socket Layer (SSL), which is one of the strongest encryption technology most commonly used by large scale online merchants, banks and brokerages worldwide. All online sessions between you and the bank are protected by up to 128-bit encryption, which best protects your information against disclosure to third parties.

What is encryption and how is it used to protect my information?

Encryption is a method of scrambling your information to protect its transmission across the Internet. Encryption transforms data into an unreadable form and decryption reverses that process. Both encryption and decryption require the use of a special code, usually referred to as a key. The encryption of data provides a strong degree of protection against tampering while data is moving through the Internet.

How do I activate Secure Socket Layer (SSL) Version 3.0?

If you are using Netscape Communicator 4.7x,

  • Click on [Communicator]
  • Select [Tools] follow by [Security Info]
  • Click on [Navigator]
  • Check [Enable SSL (Secure Sockets Layer) v3]
  • Click on [OK]

If you are using Internet Explorer 5.x,

  • Click on [Tools]
  • Select [Internet Options]
  • Select [Advanced] Tab
  • Scroll down to [Security]
  • Check [Use SSL 3.0]
  • Click on [OK]
What are cookies and how are they used for this service?

A cookie is information that a web site puts on your hard disk that it can remember something about you at a later time. This mechanism allows the server to store its own information about a user on the user's own computer. We do not use cookies for this service.

What precautions should I take for this online service?

Besides maintaining the confidentiality of your internet banking ID and internet banking password, you should take the following precautions:

  • DO NOT reveal your ID and password to anyone, write down or use it where someone else can see.
  • Change your password IMMEDIATELY, using the 'Change of Password' service, if you suspect it has been revealed.
  • DO NOT use easily recognised numbers such as your telephone number etc. as your password.
  • REMEMBER TO LOG OUT of the system and close your browser whenever you leave your computer, even for a short while.
  • Clear your browser's cache on a regular basis so that your account information is removed. This is particularly important if you are using a shared PC. You should clear it after each session.
  • Always use the latest recommended internet browser so that you are using the most updated security features available.

Call our phone banking immediately if you notice any unusual transactions on your account.

What should I do if I suspect there are unauthorized transactions on my account?

If you suspect there are unauthorized transactions on your account, please report to our Call Centre. Please provide details such as your name, account number, transaction type, date & time of transaction, description of error and amount involved.

If you suspect they are due to lost/stolen password, please call our phone banking to terminate the password immediately.

You may want to take note of your last log-in date and time, as indicated at the Personal Homepage, each time you log-in to the service.

What precautions should I take when using shared / public PCs for this service?

We strongly recommend you not to conduct your Internet banking transactions on such PCs unless you are sure that it is safe to do so.

Please clear browser cache after each session so that your account information is removed from such PCs.

How do I safeguard and protect my password?
  • Do not choose a password that is easily identifiable such as your personal telephone number, birthday or other personal information etc.
  • Avoid using sequential numbers (such as 123456) or same number more than twice (such as 123226) for your password.
  • Your password must be kept confidential at all times and not be divulged to anyone. Do not reveal your password to anyone.
  • Your password must be memorised and not be recorded anywhere. Do not write down your password or use it where someone can see.
  • Change your password immediately if you suspect it has been revealed.
  • Change your password regularly. You can change your password anytime under 'Personal Update - Change of Password'.
Application for the Service
Who can apply for this service?

To use this service, you must have at least a transactional account with Standard Chartered Ghana. Partnership and Public Limited Companies are not eligible. Click 'New user register' to apply for the Online Banking service.

How do I apply for this service?

On our homepage www.sc.com/gh click on 'Apply for Internet Banking' and fill out the form. On the Online Banking login screen click on 'New User Registration' and complete the form. You can also apply via branch.

Log-in
What is my ID and password for log-in?

They are unique secret words / characters for each user to ensure confidentiality. You need both of them to log-in. Login ID and password will be available for collection at your branch.

Can I use my ATM PIN to log in? Or use my Phone Banking PIN.

No, your internet banking ID and password are unique to this service.

What happens when my user ID is invalid / What should I do if I have forgotten my user ID / password?

Please call Phone Banking.

Can I change my password?

Yes, you may change your password, using the 'Change of Password' service, anytime to ensure security.

Can I change my Login ID?

You can only change your Login ID when you login to Internet Banking for the very first time.

What should I do if I suspect that my password has been stolen or exposed to others?

If you suspect that your password has been stolen or exposed to others, please change your password immediately. Choose 'Personal Update' and change your password online.

Account Information
Can I see a summary of my accounts?

Yes. You can see a summary of your account profile at the Personal Homepage once you have logged in to Online Banking.

Can I view the transactions belonging to all my accounts?

Yes, you can view the transactions belonging to all your accounts under the Account Services, Account information section.

How far back can I view my transaction history?

You can view your transactional history up to one year for your accounts. Your A/C statements are segmented as per the period selected.

Can I download and save my account information and latest transactions?

Yes. You can select your latest transaction or historical transactions for a period of up to one year from the current date and click on the download button to save the information for your tracking.

What is the use of the Mail Box in the Personal Homepage?

The Mail Box is a feature in our Online Banking that allows you to view any messages that the Bank has sent to you.

Can I use the Mail Box to send email to my friend?

No. The Mail Box is only for communication between you and Standard Chartered Bank. For security reasons, we do not accept any instruction relating to financial transactions through the Mail Box.

Can I delete messages from the Mail Box?

Yes. You can delete messages from the Mail Box.

How long do messages remain in the Mail Box?

All messages will be deleted automatically on weekly intervals.

Can I get confirmation of my transaction?

Yes, you can get transaction alerts by email.

Funds Transfer
What kind of funds transfer can I do in this service?

You can transfer funds between your own Standard Chartered account, to another pre-registered Standard Chartered Ghana account.

Do I need to pre-register my accounts before I can use the funds transfer facility?

Yes, you will need to pre-register the accounts before you can make a funds transfer.

How do I pre-register my 3rd party Standard Chartered accounts?

This can be done online yourself, by visiting any branch or by calling Phone Banking at 022-740100-29.

When will the funds be available in the receiving account after I do an Immediate Fund Transfer to accounts within Standard Chartered Bank Ghana?

Fund transfers to other Standard Chartered Bank accounts within Ghana will take effect right after the transaction.

Is there a maximum limit on the amount of funds I can transfer?

You can transfer up to Ghs500.00.

System Requirements
What hardware and software do I need for using this service?

Minimum Hardware Requirement

  • PC with Pentium 166MHz processor or higher
  • 32 MB RAM or higher
  • SVGA or higher resolution monitor, 256 colors minimum, 800 x 600 screen resolution
  • Modem of 56kbps or higher

Minimum Software Requirement

  • Microsoft Windows 95 / 98 / NT / 2000 operating system
  • Microsoft Internet Explorer Version 4.01 with Service Pack 2 or above*
  • Netscape Communicator Version 4.6 or above* (Note: Currently Netscape 6.x and 7.x is not supported)
  • Both "Java" and "Java Script" have to be enabled
  • Please ensure the Microsoft Virtual Machine is the default for your browser.

* To make use of the 128-bit SSL encryption and enjoy the highest level of security, we strongly recommend that you upgrade your browser to Internet Explorer version 5.01 and above or Netscape Communicator 4.7 and above (Note: Currently Netscape 6.x and 7.x is not supported).

How do I know the version of the browser that I'm using?

If you are using Netscape Communicator,

  • Click on [Help]
  • Click on [About Communicator...]

If you are using Internet Explorer,

  • Click on [Help]
  • Click on [About Internet Explorer]
  • Click on [Ok]
Can I use other operating systems?

We do not recommend the use of any operating system other than those mentioned in Software Requirement.

What display setting should I use for this service?

Our web site is optimised for view with screen resolution of 800 x 600.

Payments
Bill Payments
Troubleshooting
What can I do if my Internet Explorer frequently hangs?

You can try upgrading your PC's Java Virtual Machine.

What should I do if I am not able to perform any financial transaction?

Ensure that you are using one of the recommended browsers.

"This Program has performed an illegal operation..."

This is commonly known as GPF (General Protection Fault). This is an error that happens at your PC. You have to restart your browser usually. Sometimes you may need to restart your PC. If the problem persists, please consult your PC vendor.

What should I do if I do not get a response after clicking on a hyperlink or icon?

You can try upgrading your PC's Java Virtual Machine.

Sometimes, the Internet becomes unavoidably slow to respond. If there is a delay in response from when you have clicked something, please wait. Avoid clicking repeatedly on a particular link. DO NOT CLICK "REFRESH" OR "RELOAD" BUTTON AS THIS WILL TERMINATE YOUR ONLINE SESSION AND YOU WILL HAVE TO WAIT FOR 15 MINUTES BEFORE YOU CAN LOG IN AGAIN.

Who can I call if I have any problem or enquiry in using this service?

Please call our phone banking 23321-740100-29 Kindly get note of the error code or message if any, to the customer service officer for investigation.

I get an error message mentioning "JavaScript not enabled". What does it mean?

Due to the requirements of the service, "Java" and "JavaScript" must be enabled in your browsers.

If you are using Netscape Communicator 4.7x,

  1. Click on [Edit]
  2. Select [Preferences]
  3. Choose [Advanced] under [Category]
  4. Check [Enable Java] and [Enable JavaScript]
  5. Click on [OK] & restart the browser

If you are using Internet Explorer 5.x,

  1. Click on [Tools]
  2. Select [Internet Options]
  3. Select [Advanced] Tab
  4. Scroll down to [Microsoft VM]
  5. Check [JIT compiler for virtual machine enabled]
  6. Click on [OK] & restart the browser

Please refer to [HELP] contents if you're using browser of other versions.

How to clear cache?

If you are using Netscape Communicator 4.7x,

  • Click on [Edit]
  • Select [Preferences]
  • Choose [Advanced]
  • Select [Cache]
  • Click on [Clear Memory Cache] and [Clear Disk Cache]
  • Click on [OK] & restart the browser

If you are using Internet Explorer 5.x,

  • Click on [Tools]
  • Select [Internet Options]
  • Select [General] Tab
  • Click on [Delete Files] under [Temporary Internet Files] section
  • Check [Delete all off-line content]
  • Click on [OK] & restart the browser

Please refer to [HELP] contents if you're using browser of other versions.

Mobile Banking

About the Service
What is Mobile Banking?

Mobile Banking is a simple, hassle-free, convenient and secure menu based mobile service available to Standard Chartered customers.

Why should I sign up for Mobile Banking?

Mobile Banking is a fast, easy and secure way of accessing your bank account 24 hours a day, 7 days a week from wherever you are.

It allows you to carry out menu driven transactions without having to remember any key words and downloading any applications on your handset. All you need is to dial *247# (Airtel customers) and you start using Mobile Banking right away.

What are the eligibility criteria for using Mobile Banking?
  • Mobile Banking is available to all individual Standard Chartered Bank Account holders.
  • You need to be a subscriber of the Airtel Mobile Network.
  • You will need a normal GSM mobile phone and your mobile number.
How different is Mobile Banking from other technologies used like SMS, GPRS and application based services?

USSD Mobile Banking is different as:

  • It provides an interactive browsing experience
  • It is available on all GSM handsets
  • It has an in-built Unstructured Supplementary Service Data (USSD) encryption and "no store just forward" facility for performing secure transactions
  • You do not need to remember any transaction message formats
  • It works on roaming at no extra cost (no additional operator cost)
  • Faster service, as network latency is low
Would I be charged for any specific transaction on Mobile Banking?

No. For any transaction, your SCB account will not be charged. However, you will be charged to access the service from your Mobile Network Operator (MNO - Airtel).

Is this service available 24 hours?

Yes. This service is available 24 hours a day, 7 days a week.

Security
How secure are the transactions carried on my mobile phone?

Unlike an SMS-based service, there is no storage of data on your handset. Also the transactions are limited to a single registered mobile number. When you sign up for Mobile Banking, you create a unique PIN that ensures only you can access the accounts. Plus, our powerful firewalls, encryption technology, and 'time-out' help ensure your privacy.

This service employs the 128-bit Secure Socket Layer (SSL), which is one of the strongest encryption technologies most commonly used by large scale online merchants, banks and brokerages worldwide.

All transactional sessions between you and the bank are protected by encryption, which best protects your information against disclosure to third parties.

What is encryption and how is it used to protect my information?

Encryption is a method of scrambling your information to protect its transmission to your mobile phone. Encryption transforms data into an unreadable form and decryption reverses that process. Both encryption and decryption require the use of a special code, usually referred to as a key. The encryption of data provides a strong degree of protection against tampering while data is moving to your mobile phone.

What should I do if I suspect there are unauthorized transactions on my account?

If you suspect there are unauthorised transactions on your account, please report to our Phone Banking on +233 302 740100. Please provide details such as your name, account number, transaction type, date & time of transaction, description of error and amount involved.

You may want to take note of your last transaction.

How do I safeguard and protect my Personal Identification Number (PIN)?
  • Do not choose a Personal Identification Number (PIN) that is easily identifiable such as your personal telephone number, birthday or other personal information etc.
  • Avoid using sequential numbers (such as 123456) or same number more than twice (such as 123226) for your PIN.
  • Your PIN must be kept confidential at all times and not be divulged to anyone. Do not reveal it to anyone.
  • Your PIN must be memorized and not be recorded anywhere. Do not write down your PIN or use it where someone can see.
  • Change your PIN immediately if you suspect it has been revealed.
  • Change your PIN regularly. You can change your password anytime under 'My settings' (change PIN).
Application for the Service
How do I register for Mobile Banking?

Walk into any Standard Chartered Bank Branch and complete a Mobile Banking application form. You can also download the Mobile Banking application form from our web page at www.standardchartered.com, complete it and drop it at any Standard Chartered Bank Ghana branch.

What is my Personal Identification Number (PIN)?

The Personal Identification Number (PIN) is a six digit code sent to your mobile phone in an SMS Alert when your request is processed by Standard Chartered Bank.

Can I change my PIN?

Yes, you may change your PIN using the 'My Settings' (change PIN) menu, anytime to ensure security.

What do I do if I forget my PIN?

Please call our Customer Care Centre on +233 302 740100 and we will help resend PIN to your mobile phone. Your existing PIN will be sent to you via SMS. You have to change your PIN once you log in else the system will not allow any transaction.

Account Information
Funds Transfers
What kind of funds transfer can I do in this service?

You can transfer funds between your own Standard Chartered Ghana accounts, to another pre-registered or nominated Standard Chartered Ghana account.

Do I need to register nominated accounts before I can use the funds transfer facility?

Yes, you need to pre-register the nominated account before you can make funds transfer.

How do I pre-register my 3rd party Standard Chartered accounts?

This can be done by visiting any branch, calling Phone Banking on +233 302 740100 or download form from our website www.sc.com/gh and drop it at any of our branches.

Will I be able to transfer funds even if I do not register the beneficiary account?

No, you will have to nominate the beneficiary account before you are able to transfer the funds. You can register the beneficiary by filling in the Mobile Banking application form available at all Standard Chartered branches or download form from our website www.sc.com/gh and drop it at any of our branches.

I'm not sure about the beneficiary's Standard Chartered a/c number, although I know his/her mobile number. Can I still transfer funds to the beneficiary's a/c?

No, in order for you to transfer funds, the beneficiary account number must be registered with us. You can nominate beneficiary account numbers by filling out the Mobile Banking application form available in all Standard Chartered branches or alternatively you can download the form from our website www.sc.com/gh and drop it at any of our branches.

When will the funds be available in the receiving account after I do an Immediate Fund Transfer to accounts within Standard Chartered Bank Ghana?

Fund transfers to other Standard Chartered Bank accounts within Ghana will take effect right after the transaction.

Bill Payments
Requests
Can I request for Cheque Book?

Yes. A 50 leaf cheque book will be sent to your branch in 4 working days of receiving the request.

Can I request for Statement?

Yes. The customer will indicate how far back they want their statement. Statements will be available in two working days of receiving the request and can be picked from your branch.

eStatements

What is an eStatement?

An E-Statements is an electronic version of a customer’s account activity over a period of time.

Who qualifies for an eStatement?

All bank customers qualify.

What do I need to do to register for the service?

Complete & submit the subscription form which is available at all SCB branches across Ghana. You can also click here to download the form.

Is there a fee for this service?

No! This service is absolutely FREE!

Note: You will be CHARGED for paper statements requested either via the Branch, Call Centre or mBanking.

Will I continue to receive statements via the post?

No. Once registered for eStatements, you will only receive your statements via email.

How often can I receive eStatements?

You can receive your statements daily, weekly, monthly or quarterly, depending on what you specify on the subscription form.

Can I receive my eStatements on more than one email address?

Yes. You can receive your eStatements on multiple addresses. Simply register the email addresses that you will want your eStatements to be sent to.

 

Call Us

Call our hotline for further information.

0302 740100

Contact Me

Alternatively, please complete our contact form and we will be in touch as soon as possible.

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