Straight2Bank
Enjoy flexibility from sending money to other local banks
Enjoy flexibility from sending money to other local banks
Transfer from your bank account or credit card
From paying your friends to settling daily expenses, you can now send money easily via Local Account Fund Transfer with Standard Chartered Digital Banking.
Features
Make regular transfers in the future
Pay your monthly expenses on time by setting a transfer date and scheduling recurring transactions
Transfer with Credit Card
Enjoy no handling fee for the first HKD40,000 in every calendar month to improve your financial flexibility
Transfer with SC Pay (FPS)
Send money also using mobile number, email address or FPS ID if the payee has registered for FPS
How to make Local Account Fund Transfer
Remember to check your payment details (ie. Payee’s account number and name) before submitting a transaction.
- SC Mobile App
- Online Banking
Add payee on SC Mobile App
-
Step 1
Go to ‘Pay & Transfer’ then select ‘SC Pay (FPS) & Local Transfer’. Select 'Bank Account Number' and then click 'Add Payee' if the payee has not been added before.
-
Step 2
You can also add payee via ‘My Payees’ in ‘Pay & Transfer’. Click ‘Add Payee’ then select ‘Local’
-
Step 3
Enter payee account information
-
Step 4
Review and confirm the details are correct (e.g. payee account name should be registered in full)
-
Step 5
Enter the PIN for your SC Mobile Key to authorize add payee
Add payee on SC Mobile App
Step 1
Go to ‘Pay & Transfer’ then select ‘SC Pay (FPS) & Local Transfer’. Select 'Bank Account Number' and then click 'Add Payee' if the payee has not been added before.
Step 2
You can also add payee via ‘My Payees’ in ‘Pay & Transfer’. Click ‘Add Payee’ then select ‘Local’
Step 3
Enter payee account information
Step 4
Review and confirm the details are correct (e.g. payee account name should be registered in full)
Step 5
Enter the PIN for your SC Mobile Key to authorize add payee
Add payee on Online Banking
-
Step 1
After login, go to ‘Transfers’ then ‘Local Accounts’. Select ‘Add Local Account Payee’
-
Step 2
Enter payee account information
-
Step 3
Review and confirm the details are correct (e.g. payee account name should be registered in full)
-
Step 4
Approve the add payee request on SC Mobile App(If SC Mobile Key has not yet been registered, enter transaction password and SMS OTP)
Add payee on Online Banking
Step 1
After login, go to ‘Transfers’ then ‘Local Accounts’. Select ‘Add Local Account Payee’
Step 2
Enter payee account information
Step 3
Review and confirm the details are correct (e.g. payee account name should be registered in full)
Step 4
Approve the add payee request on SC Mobile App(If SC Mobile Key has not yet been registered, enter transaction password and SMS OTP)
- SC Mobile App
- Online Banking
Transfer from current or savings account via SC Mobile App
-
Step 1
Go to ‘Pay & Transfer’ and select ‘SC Pay (FPS) & Local Transfer’
-
Step 2
Select ‘Bank Account Number’
-
Step 3
Select payee. You can also add a new payee.
-
Step 4
Select your current or savings account to transfer from
-
Step 5
Enter transfer amount and description (optional)
-
Step 6
Select the transfer date and set up any recurring transfers
-
Step 7
Review and confirm transfer details
Please note that your submitted transaction may not be reversed if inputted payment detail is incorrect. -
Step 8
You will immediately know whether the transfer is successful
Transfer from current or savings account via SC Mobile App
Step 1
Go to ‘Pay & Transfer’ and select ‘SC Pay (FPS) & Local Transfer’
Step 2
Select ‘Bank Account Number’
Step 3
Select payee. You can also add a new payee.
Step 4
Select your current or savings account to transfer from
Step 5
Enter transfer amount and description (optional)
Step 6
Select the transfer date and set up any recurring transfers
Step 7
Review and confirm transfer details
Please note that your submitted transaction may not be reversed if inputted payment detail is incorrect.
Step 8
You will immediately know whether the transfer is successful
Transfer from current or savings account via Online Banking
-
Step 1
Go to ‘Transfers’ then ‘Local Accounts’ after login
-
Step 2
Select ‘Transfer’ to the registered payee (please refer to “Add payee on Online Banking”)
-
Step 3
Select your current or savings account to transfer from, then enter transfer amount and description (optional)
-
Step 4
Select the transfer date and set up any recurring transfers
-
Step 5
Review and confirm transfer details
-
Step 6
You will immediately know whether the transfer is successful
Transfer from current or savings account via Online Banking
Step 1
Go to ‘Transfers’ then ‘Local Accounts’ after login
Step 2
Select ‘Transfer’ to the registered payee (please refer to “Add payee on Online Banking”)
Step 3
Select your current or savings account to transfer from, then enter transfer amount and description (optional)
Step 4
Select the transfer date and set up any recurring transfers
Step 5
Review and confirm transfer details
Step 6
You will immediately know whether the transfer is successful
- SC Mobile App
- Online Banking
Transfer from credit card via SC Mobile App
-
Step 1
Go to ‘Pay & Transfer’ and select ‘SC Pay (FPS) & Local Transfer’
-
Step 2
Select ‘Bank Account Number’
-
Step 3
Select payee. You can also add a new payee.
-
Step 4
Select your credit card to transfer from
-
Step 5
Enter transfer amount and description (optional)
You will receive alert if your transfer involved fee1, click "OK" to proceed if you agree. -
Step 6
Select the transfer date and set up any recurring transfers
-
Step 7
Review and confirm transfer details
Please note that your submitted transaction may not be reversed if inputted payment detail is incorrect. -
Step 8
You will immediately know whether the transfer is successful
Transfer from credit card via SC Mobile App
Step 1
Go to ‘Pay & Transfer’ and select ‘SC Pay (FPS) & Local Transfer’
Step 2
Select ‘Bank Account Number’
Step 3
Select payee. You can also add a new payee.
Step 4
Select your credit card to transfer from
Step 5
Enter transfer amount and description (optional)
You will receive alert if your transfer involved fee1, click "OK" to proceed if you agree.
Step 6
Select the transfer date and set up any recurring transfers
Step 7
Review and confirm transfer details
Please note that your submitted transaction may not be reversed if inputted payment detail is incorrect.
Step 8
You will immediately know whether the transfer is successful
Transfer from credit card via Online Banking
-
Step 1
Go to ‘Transfers’ then ‘Local Accounts’ after login
-
Step 2
Select ‘Transfer’ to the registered payee (please refer to “Add payee on Online Banking”)
-
Step 3
Select your credit card to transfer from, then enter transfer amount and description (optional)
-
Step 4
Select the transfer date and set up any recurring transfers
-
Step 5
You will receive alert if your transfer involved fee1, click “NEXT” to proceed if you agree.
-
Step 6
Review and confirm transfer details
-
Step 7
You will immediately know whether the transfer is successful
Transfer from credit card via Online Banking
Step 1
Go to ‘Transfers’ then ‘Local Accounts’ after login
Step 2
Select ‘Transfer’ to the registered payee (please refer to “Add payee on Online Banking”)
Step 3
Select your credit card to transfer from, then enter transfer amount and description (optional)
Step 4
Select the transfer date and set up any recurring transfers
Step 5
You will receive alert if your transfer involved fee1, click “NEXT” to proceed if you agree.
Step 6
Review and confirm transfer details
Step 7
You will immediately know whether the transfer is successful
- Edit scheduled transfer
- Delete scheduled transfer
Edit scheduled transfer on Online Banking
-
Step 1
Go to ‘Transfers’ then ‘Transfer History’ after login
-
Step 2
Select ‘Edit’ the scheduled transfer
-
Step 3
Make changes to details of the scheduled transfer
-
Step 4
Review and confirm the details
-
Step 5
The scheduled transfer has been modified
Edit scheduled transfer on Online Banking
Step 1
Go to ‘Transfers’ then ‘Transfer History’ after login
Step 2
Select ‘Edit’ the scheduled transfer
Step 3
Make changes to details of the scheduled transfer
Step 4
Review and confirm the details
Step 5
The scheduled transfer has been modified
Delete scheduled transfer on Online Banking
-
Step 1
Go to ‘Transfers’ then ‘Transfer History’ after login
-
Step 2
Select ‘Delete’ the scheduled transfer
-
Step 3
Confirm deleting the scheduled transfer
-
Step 4
The scheduled transfer has been deleted
Delete scheduled transfer on Online Banking
Step 1
Go to ‘Transfers’ then ‘Transfer History’ after login
Step 2
Select ‘Delete’ the scheduled transfer
Step 3
Confirm deleting the scheduled transfer
Step 4
The scheduled transfer has been deleted
Make transfer with Credit Card, enjoy financial flexibility
56 days Interest free period up to 56 days |
0% As low as 0% handling fee1 |
6 - 60 months tenor Flexible instalment period of 6 – 60 months tenor |
Manage your finances on the go
Experience SC Mobile App now
Scan QR code to download SC Mobile App now
for Android users without Google Play, please click here to download the Android application package (APK)
General FAQs
You can register for Digital Banking via our Online Banking or SC Mobile App – click here to learn more.
You can transfer in HKD or CNY, depending on the currency of the selected bank account or credit card to send money from (not applicable to UnionPay Dual Currency Platinum Credit Card).
Transfer limit for real-time / scheduled / recurring transfers from by credit card is subject to your available credit card limit as well as the overall daily online transfer limit and the Third Party Fund Transfer Limit on the day of transaction. More info available here.
If your monthly aggregated transfer amount from credit card exceeds HKD40,000, over-limit electronic fund transfer handling fee may apply. For details, please refer to here.
FAQs - Recurring transfer
You can set repeating frequency and specific period and for a recurring transfer, which authorises us to automatically send money from your selected source of bank account or credit card on the effective date.
Yes – You can set transfer on a future date and/or recurring transfers following Step 4 of “Transfer from Online Banking” or Step 6 of “Transfer from SC Mobile App”
The payee will generally receive the funds within 1-2 business days from the scheduled transfer date, but the actual time will differ depending on the beneficiary bank’s arrangement. Please reserve enough time and available credit limit for each transfer.
The recurring transfer effective date must be at least one day after set up date.
FAQs - Credit Card
Local fund transfers on Online Banking/ SC Mobile by credit card are not eligible for rewards scheme or chargeback rights / protection.
You can transfer funds to local bank payees and registered through Online Banking and SC Mobile App.
You can transfer from any valid Standard Chartered / MANHATTAN Visa card or Mastercard (except UnionPay Dual Currency Platinum Credit Card).
Prior to the confirmation of your transfer, if your transfer will be subject to the Over-limit electronic fund transfer handling fee, we will notify you and display the remaining balance that you can transfer for free. Please refer here for illustration.
Prior to the confirmation of your transfer, if your transfer will be subject to the Over-limit electronic fund transfer handling fee, we will notify you and display the remaining balance that you can transfer for free. Please refer here for illustration.
Need more Help? Find out more on our FAQ
- Over-limit electronic fund transfer handling fee promotion offer:
- From 1 July 2026 to 31 July 2026 (both dates inclusive), 3.5% handling fee will be waived for transferred amount up to HKD40,000 (the “Offer”). 3.5% handling fee will apply to the transferred amount above HKD40,000 and charges will be debited to the valid Credit Card account with the highest transferred amount if the total accumulated transfers exceed HKD40,000 by such Cardholder in a calendar month (based on the transaction date) when using electronic banking services, person to person (P2P) payment services or mobile device / app / electronic funds transfer platforms effective from time-to-time to make any transfer / top up transaction from Standard Chartered / MANHATTAN Credit Card(s) to a specified account (including but not limited to Octopus Wallet account, AlipayHK account). If the last day of a calendar month is a Sunday/public holiday, or the last day of a calendar month is a Sunday/public holiday and preceded by a public holiday, any related transactions made on that day will be counted in the following calendar month.
- The Offer is only applicable to a cardholder who makes the transfer via Online Banking and SC Mobile App. Your card should be valid and with available credit limit during the transfer.
- The Bank reserves the right to vary, modify and terminate the Offer and to amend any of these terms and conditions at any time without any notice. In case of disputes, the decision of the Bank shall be final and binding.
- If there is any inconsistency or conflict between the English version and its Chinese translation, the English version shall prevail.
- Local Account Fund Transfer on Online Banking/ SC Mobile App are available to Standard Chartered Current / Savings Account and Standard Chartered / MANHATTAN Credit Card holders (except UnionPay Dual Currency Platinum Credit Card). If you do not see the Local Transfers feature on Online Banking/ SC Mobile App, make sure you have registered your account with ATM card and ATM PIN or ATM Card/Credit Card and Credit Card PIN. Credit card only supports Local Account Fund Transfer on Online Banking / SC Mobile App in HKD.
- Any transfer by credit card subject to your available credit card limit and the maximum daily aggregated transfer limit for third-party fund transfer. More info available here.
- Asia Miles / 360 Reward Points / Cash Rebate or any other credit card reward campaign and chargeback right / protection is not applicable to transactions via Online Banking/ SC Mobile App local account fund transfer.
To borrow or not to borrow? Borrow only if you can repay!
