Online & Mobile security

We take protecting your finances seriously. All day, every day.

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The top 3 security tips

  • Always use a computer or device that you trust.

  • Always log out after finishing an online banking session.

  • Contact Standard Chartered immediately in case of suspicious activity.

Keeping you safe online

No matter where you go, you can manage your money online with confidence and security. Read on to find out what we are doing to protect your accounts when you bank online.

CHECK OUR SAFETY TIPS

Keeping you safe online

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Online Security

Our banking systems are managed by skilled experts and protected by multiple security lines of defence. Manage your money online with confidence and security. Read on to find out what we do to protect your online accounts:

Monitoring & Alerts

Standard Chartered constantly monitors threats and online activities round the clock to detect any fraud and take preventive measures to ensure your accounts are safe.

Keeping you safe online > Online Security

Our banking systems are managed by skilled experts and protected by multiple security lines of defence. Manage your money online with confidence and security. Read on to find out what we do to protect your online accounts:

256 bit encryption

When you perform online banking, your transactions are encrypted to protect against data from being intercepted and stolen by hackers.

Secure firewalls

Our online services are protected by firewalls to protect against potential breaches.

Prompt notification

Customers are notified promptly via SMS to their registered mobile numbers every time a transfer is performed using their online banking account.

Automatic logouts

Long periods of login inactivity may increase the risk of fraud and other issues so we will log you out of your online banking session after 15 minutes of inactivity to prevent others from gaining access to your account.

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Keeping you safe online > Monitoring & Alerts

Standard Chartered constantly monitors threats and online activities round the clock to detect any fraud and take preventive measures to ensure your accounts are safe.

Monitoring

Banking systems and transactions are continuously monitored by our security team to detect and respond to any threats or risks.

Email and SMS alerts

We give you the option to configure SMS and email alerts to stay informed when important account information changes or transactions are made using your accounts including without limitation, the following:

  • payments and transfers are made using your accounts.
  • Amendments to balance threshold/limit.
  • Changes to account data.

Secure eStatements

eStatements enable you to keep track of all your transactions easily and efficiently.

  • All eStatement data are encrypted during transportation.
  • eStatements are password protected, and are only sent to the email address last notified.
  • Electronic alerts via SMS/email are sent to remind you when your eStatement is ready for viewing (Electronic alerts via SMS service is not available for customers of Standard Chartered China).

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Protecting your details

We place great focus and priority on keeping your accounts protected when banking online. In addition, there are a few simple measures you can take to ensure you stay safe online.

READ ABOUT PROTECTION

Protecting your details

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Protect your devices

Ensure all your computers, mobile phones, PDAs, portable devices, operating systems and internet browsers (especially those used for online banking) are regularly updated with the latest software available on the market.

Securing your connections

A well designed and managed network keeps traffic and transactions free from intrusion.

Securing your data

Whilst operating systems and web browsers do a good job of keeping your information secure and private, you may want to consider adding additional layers of security to your computer.

Protecting your details > Protect your devices

Ensure all your computers, mobile phones, PDAs, portable devices, operating systems and internet browsers (especially those used for online banking) are regularly updated with the latest software available on the market.

Enable personal firewalls

Secure your Internet connection and computer with a personal firewall. It ensures the right data goes to the right places, and keeps unwanted connections from accessing your data.

Turn on screensavers/password protection

Lock your machine when you’re away from your computer, or configure a password-protected screensaver to be activated after a preset period of inactivity.

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Protecting your details > Securing your connections

A well designed and managed network keeps traffic and transactions free from intrusion.

Disable “File and Printer sharing”

  • For Windows XP/Vista, click “Start”, “Settings”, “Control Panels”. Double click “Network Connections”. Right click “Local Area Connection” then click “properties”. Disable “File & Printer Sharing for Microsoft Networks”.
  • For Windows 7, Click “Start”, “Control Panel”, “Network and Sharing Center”, click onto “Change advanced sharing settings”. Select “Turn off file and printer sharing”.
  • For iOS go to Apple menu and head to the ‘Sharing’ preference panel, Choose “File Sharing” from the sidebar. Look under the “Shared Folders” section and select the user(s) Public Folders, then choose the [-] minus button to remove it as a shared item.

Secure your home network

Safe banking at home starts with securing your own network, especially if you’re using a wireless connection.

  • Ensure you have anti-virus / malware solution installed on your personal devices (mobile or PC) before you perform any online banking transactions.
  • Ensure you follow the manufacturer’s recommendations to configure your home router with appropriate security settings before connecting online. Your wireless network should at least be locked down with a WPA level protection, and WPA-2 level whenever possible.
  • Never share your home WiFi access / password with unauthorised persons.

Use trusted public networks

Remember that online banking is different from socially browsing the Internet or sending email.

  • Never connect to networks that are neither secured nor encrypted. Connect to a secure network that requires a password by looking out for the padlock icon beside it.
  • Ensure that your personal firewall / anti-virus solutions are enabled before you perform any online banking transactions.

Browse securely

Ensure your personal firewall is up and running – this is especially important when you are banking online away from home

  • Always update your browser to the latest available version.
  • Do not store your username/password in the browsers.
  • Only log in through our official website or apps and remember to log off.
  • Keep your OTP secure.

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Protecting your details > Securing your data

Whilst operating systems and web browsers do a good job of keeping your information secure and private, you may want to consider adding additional layers of security to your computer.

Protect your bank accounts

We will never:

  • Request your account information and password over the phone, via email or SMS.
  • Send messages that contain poor spelling and grammar.
  • Send messages that claim you have won a prize or direct you to click on a link.

Keep your password and PIN secure

Your passwords and PIN should:

  • Be kept confidential and not be divulged to anyone.
  • Be memorised or use a password manager (A password manager stores ALL of your passwords and other private information in one, convenient location) not recorded anywhere.
  • Be changed regularly, or when there is any suspicion that it has been compromised or impaired
  • Not be based on guessable information such as your name, personal telephone number, birthday or other personal information.
  • Not be stored or retained in your browser.
  • Not be based on the same details that you use to access other services such as email, other Internet sites/ISPs, ATM PIN, or Phone banking PIN.

For better security, we recommend that your password:

  • Uses 8-16 alpha-numeric character set consisting of both numbers and letters, lowercase and uppercase, e.g. IcneL9305.
  • Does not contain 3 or more consecutive identical characters, e.g. “aaa” or “111”, etc.
  • Does not contain 4 or more consecutive characters as part of your password, e.g. “1234” or “abcd”, etc.

Other useful tips

Do not store your username/password in the browser

Remember to disable your auto-complete function on your browser as this will make your username & password automatically available to anyone having access to your system. To turn this function off in Microsoft Internet Explorer browser, click the Tools menu, click “Internet Options”, click the “Content” tab, and click the “auto-complete” button. Then disable the “Usernames and passwords on forms”.

Only log in through our official website or apps and remember to log off
  • Never log in to online banking from any email you’ve received as it may be a scam – we will never ask you to log in via an email link.
  • Always log out from your online/mobile banking account when you’ve finished. Closing the browser window does not guarantee secure logout and it could leave your account open to misuse.
  • Always close the browser application after logout.
  • Do not access third party websites within the same Internet browser session when using Standard Chartered online banking.
  • Clear your browser cache and history after each session
    • Always clear the browser cache after each session so that your account information is removed from the computer.
    • To clear browser cache: For Microsoft Internet Explorer, click “Tools”, “Internet Options”. Choose the “General” tab and click “Delete Files” on the “Temporary Internet Files” section.
Look after your documents

Lock your documents in a safe place and shred any bills, receipts, statements and unwanted mail you wish to get rid of, as they contain key details that can be used to steal your account information.

Protect your identity

Criminals are targeting social networking sites such as Facebook™, Twitter, MySpace and Bebo to steal personal information – so be careful with what you share online.

  • Do not publish details that can identify you. They include birthdates, phone numbers, addresses and full names.
  • Limit your profile. Consider restricting your profile to friends and family only.
  • Keep your password safe and don’t use the same one for all your online accounts.
  • Make sure you understand the privacy policy of each site as some may sell users’ email addresses, leaving you susceptible to phishing and spam.
Check your statements regularly

This doesn’t take long and it will help you spot any fraudulent transactions. If you notice something unusual or suspect that you have been a victim of fraud of identity theft, please contact us immediately by calling the number on the back of your card or bank statement.

  • Check your last login date and time each time you login to Standard Chartered online banking.
  • Check your account balances and statements regularly to identify any unusual transactions.
  • Sign up for eStatements and SMS alerts, and receive real-time updates on your accounts.
Keep your OTP secure
  • Do not allow anyone to use or tamper with your security token.
  • Do not reveal the OTP from your security token or the SMS to anyone.

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Latest online threats

Learn about the latest and most common online threats to stay one step ahead of fraudsters.

KNOW THE THREATS

Latest online threats

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Know the threats

Real protection from malware and spyware require both technology and knowledge on what to look out for when you use the Internet.

Guard against security threats

We’re committed to help you understand the latest online threats better, so that you can protect yourself and stay ahead of scammers. Stay up to date with the latest security alerts.

Latest online threats > Know the threats

Real protection from malware and spyware require both technology and knowledge on what to look out for when you use the Internet.

Malware related incidents

Malware is malicious software code designed to steal or damage or do other unwanted actions on a computer system which can compromise information and computer systems. Examples include viruses, worms, trojan horse or spyware. They can delete files on a hard drive, or gather data from a user’s system without them knowing it.

Tips on how to protect yourself against malware

  • Ensure you have anti-virus / anti-malware protection installed on your PCs and mobile devices.
  • Do not download files (including email attachments) without first checking that they are from a legitimate source.
  • Delete junk and chain emails; do not open them.
  • Only install applications from verified sources / providers on your devices.
  • Never connect to unknown Wi-Fi networks when performing online banking transactions (best to choose a network with a password).

Hacking related incidents

All customer data that moves between Standard Chartered and our customers are protected with 256-bit encryption.

Phishing

Phishing is an attempt to acquire sensitive information, often for malicious reasons, using trickery and scams. A phishing attack is initiated with hackers sending fake links / attachments to unsuspecting customers via email / text / social media or other platforms. Once clicked, hackers are able to gain access to users’ systems and steal user’s confidential banking data.

Tips on how to protect yourself against Phishing:

You receive a suspicious email:

  • Treat all unsolicited emails, SMS / requests online with caution.
  • Verify if the sender is legitimate.
  • Check the hyperlinks sent by hovering your mouse cursor over.
  • Do not give in to any requests for personal information. Check first with the relevant bank branch.

Do note: Standard Chartered will never ask you for customer confidential information (for example, passwords or transaction details) via email. Treat all requests with extreme caution and check with your relevant bank branch first.

Voice Phishing / Vishing

The telephone equivalent of phishing is known as voice phishing or is sometimes referred to as “vishing”. In a vishing attack, cyber criminals disguise themselves as bank staff to call unsuspecting customers for confidential banking information.

Tips on how to protect yourself against vishing:

You receive a phone call asking for personal information:

  • Verify the caller.
  • Verify if the caller is authorised to access the information.
  • Any requests for personal information, check first with the relevant bank branch.

Do note: Standard Chartered will never ask you for customer confidential information (for example, passwords or transaction details) via phone. Treat all requests with extreme caution and check with your relevant bank branch first. A verification process check will always be performed by our Customer Service before any discussion on banking information is performed via phone.

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Latest online threats > Guard against security threats

We’re committed to help you understand the latest online threats better, so that you can protect yourself and stay ahead of scammers. Stay up to date with the latest security alerts.

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Securing your mobile

We are committed to helping our customers manage their money safely on the go. Discover some of the measures you can take to safeguard your account information when using your mobile phone.

HOW TO SECURE PHONES

Securing your mobile

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Protect your phone

Mobile phones make up an integral part of our lives today. With mobile payments and banking becoming increasingly popular, it’s important to apply the same security measures to your mobile phone as you would to your computer.

Smart decisions

Even with a well-protected mobile phone, you still need to make smart decisions when you use it.

Smart social networking

Social networking makes staying in touch with friends and family easier than ever, but you should be careful about what you share online.

Securing your mobile > Protect your phone

Mobile phones make up an integral part of our lives today. With mobile payments and banking becoming increasingly popular, it’s important to apply the same security measures to your mobile phone as you would to your computer.

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Securing your mobile > Smart decisions

Even with a well-protected mobile phone, you still need to make smart decisions when you use it.

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Securing your mobile > Smart social networking

Social networking makes staying in touch with friends and family easier than ever, but you should be careful about what you share online.

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Contact us

If you suspect any suspicious activity, have accidentally disclosed your account details or password, or suspect any unauthorised access of your account, contact us immediately by sending an email to: be.secure@sc.com

Phishing / Voice Phishing

Contact us

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Phishing / Voice Phishing

If you receive a suspicious email or phone call claiming to be from us, forward the email with the attachments included or report the incident via email to: be.secure@sc.com , so we can try to track where it's coming from. You should then delete the email straight away. In addition, please call our Customer Service Hotline immediately if you suspect any unauthorised access or transactions on your account.

Contact us > Phishing / Voice Phishing

If you receive a suspicious email or phone call claiming to be from us, forward the email with the attachments included or report the incident via email to: be.secure@sc.com , so we can try to track where it's coming from. You should then delete the email straight away. In addition, please call our Customer Service Hotline immediately if you suspect any unauthorised access or transactions on your account.