Standard Chartered offers easy, secure and reliable personal banking services online, on mobile and in-person

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

• It’s 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
• Worldwide access – as long as you can access the Internet, you can access your Standard Chartered accounts, anywhere in the world
• You don’t need to purchase any special software. As long as you have a personal computer with the minimum configuration, you are ready to start. Please check the minimum browser requirements
• Our wide range of online banking services help you to better manage your finances. Moreover, we will progressively add more new services for your convenience

There is no extra charge for using this service.

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

Yes, the Standard Chartered products and services are available from overseas except from Cuba, North Korea, Iran, Sudan, and Syria. You will also require access to the Internet with the recommended Internet browser.

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.

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.

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]

A cookie is information that a website puts on your hard disk so 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.

Besides maintaining the confidentiality of your Internet banking ID and 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.

If you suspect unauthorised transactions have been performed on your account, please contact our Phone Banking hotline on +233 302 740100, providing details such as your name, account number, transaction type, date and 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 login date and time, which is indicated on the Personal Homepage.

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.

• Do not choose a password that is easily identifiable such as your personal telephone number, birthday or other personal information
• 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’

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.

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.

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

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

Please call Phone Banking.

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

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

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.

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

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

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

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.

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

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

Yes. You can delete messages from the Mail Box.

All messages will be deleted automatically on weekly intervals.

Yes, you can get transaction alerts by email.

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

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

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

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

You can transfer up to GHS 500.

Yes.

Yes.

Yes.

Yes.

Yes.

Minimum Hardware Requirement:

• PC with Pentium 166MHz processor or higher
• 32 MB RAM or higher
• SVGA or higher resolution monitor, 256 colours 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 are not supported

• Both “Java” and “Java Script” have to be enabled
• Please ensure the Microsoft Virtual Machine is the default 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 are not supported.

If you are using Netscape Communicator –

1. Click on [Help]
2. Click on [About Communicator…]

If you are using Internet Explorer

• Click on [Help]
• Click on [About Internet Explorer]
• Click on [OK]

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

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

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

Ensure that you are using one of the recommended browsers.

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.

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.

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

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.

If you are using Netscape Communicator 4.7x

1. Click on [Edit]
2. Select [Preferences]
3. Select [Advanced]
4. Select [Cache]
5. Click on [Clear Memory Cache] and [Clear Disk Cache]
6. Click on [OK] & restart the browser

If you are using Internet Explorer 5.0,

1. Click on [Tools]
2. Select [Internet Options]
3. Select [General] Tab
4. Click on [Delete Files] under [Temporary Internet Files] section
5. Check [Delete all off-line content]
6. Click on [OK] & restart the browser

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

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 *389*247# (MTN & Glo customers) and *489*247# (Tigo customers), and start using Mobile Banking right away.

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 don’t need to remember transaction message formats
• It works on roaming
• Faster service, as allowed by your mobile network

Do not choose a Personal Identification Number (PIN) that is easily identifiable such as your personal telephone number, birthday or other personal information

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 memorised and not be recorded anywhere. Do not write down your PIN or use it where someone can see

Call the Contact Centre for PIN reset immediately you suspect your PIN has been revealed

Yes. You may change your PIN the first time you access Mobile Banking with short code. Subsequently, you will have to call the Contact Centre or go to the Branch for PIN reset.

Can I pay my bills through the service?

Yes. You can pay you DSTV and ECG bills.

You can top up Air-Time for the following networks: Airtel, Expresso, Glo, MTN, Tigo and Vodafone.

Yes. You can delete any of your Set-up Standing Order Instructions one business day before the effective due date. Please contact the bank to make this request off-line.

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

All bank customers qualify.

Complete and submit the subscription form, which is available at all Standard Chartered branches across Ghana. Alternatively, click here to download the form.

No, this service is absolutely free. However, you will be charged for paper statements requested via the branch, call centre or through mBanking.

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

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

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

• Balance inquiry
• Transaction Inquiry
• Duplicate statement
• Cheque book request
• ATM / Debit Card hot listing
• Loan outstanding

• Deposit Accounts
• Personal Loans
• Savings / Current Accounts
• Debit Cards
• SME Banking
• Personal Loans

• Complaint handling
• Account opening procedure
• Account closing procedure
• Bank Information
• Change request
• Telesales