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Features

  • Check Account Balance

    With Online Banking you can check your account balances at any time

  • View Transactions

    Standard Chartered's e-Banking also allows you to view your transactions history for up to 1 year

  • Cheque Status

    Monitor the status of cheques you have issued with Internet Banking

  • Standing Orders

    You can also set up and maintain standing orders without having to visit a branch

Standard Chartered Bank was named the Best Global and Africa Consumer Internet Bank 2012 by Global Finance. Sign up for our awarding-winning Internet Banking services and enjoy a host of benefits.

No queues. No traffic jams. No problems.

You lead a busy life, constantly on the go at home and abroad. You need a banking solution that allows you to manage your finances, whatever the time, whatever the place. Save yourself time and money with our Online Banking services. Do all your banking from home, your office or wherever you happen to be:

  • Request physical statements
  • Order cheque books
  • Pay utility bills
  • Transfer funds to any Standard Chartered account
  • Make local and international Telegraphic Transfers and add beneficiaries
  • Change your Online Banking password
  • Stay up-to-date on the market
  • Download online account statements
  • View credit card transactions/statements
  • Make credit card payments

About the Service

Online Banking is a new unique, service from Standard Chartered, developed to offer you convenience by bringing most of your banking services to your computer screen.

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 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
Do I have to pay for using 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, 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.

Security

How secure is this service / How safe is my personal information going through the service / What security measures are 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 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.

What precautions should I take with online banking?

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.

What should I do if I suspect there are unauthorised transactions on my 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.

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
  • 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.

What is my ID and password for login?

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.

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 ID is invalid or if I have forgotten my 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 instructions 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.

Fund Transfer

What kind of fund transfers can I make?

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

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

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

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

How do I pre-register my third-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 GHS 500.

Payments

Can I delete my Set-up Standing Order Instructions?

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.

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 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.

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

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

Troubleshooting

What can I do if my Internet Explorer frequently hangs?

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

What shouldI 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?

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 take note of the error code or message if any, to be provided 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

  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.

FAQs

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

How different is Mobile Banking from other technologies 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 don't need to remember transaction message formats
  • It works on roaming
  • Faster service, as allowed by your mobile network
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

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

Can I change my PIN?

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.

Bill Payments

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.

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.

Contact Me »

Email Us

Please send us a message and we will be in touch as soon as possible.

Email Us »

Locate Us

Visit the branch that is nearest to you.

Find a Branch »

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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.

Disclaimer

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.

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