Apply now and get HK$500 cash coupon
Apply Now

Credit Card “Instalment Credit” Program

Standard Chartered Credit Card “Instalment Credit” Program / MANHATTAN “Credit Cash” Instalment Program offers extra cash to help you fulfill your needs with a personalized handling fee. Cash will be deposited to your designated account directly in as fast as 3 working days*.

Loan amount up to
18x
monthly salary

Exclusive monthly handling fee
as low as
0.13%^

Apply online to enjoy a
HK$200 application fee waiver

Apply now and enjoy Online Exclusive Offer:

HK$500 Cash Coupon

Remarks:

* The prescribed application processing time is only applicable to Standard Chartered account. If the “Instalment Credit”/”Credit Cash” Amount is credited to other bank account, it will take approximately 3-6 working days.

^ The Annualized Percentage Rate (“APR”) of tenor 12 months and 24 months are 2.91% and 3.01% respectively (NOT including the one-off application fee of HK$200 and calculated based on the Instalment Credit amount of HK$100,000). An APR is a reference rate which includes the basic interest rates and other applicable fees and charges of a product expressed as an annualised rate. The Bank has the sole discretion to adjust the “Instalment Credit” / “Credit Cash” Amount to be approved. For APR of other “Instalment Credit” / “Credit Cash” Amount, please contact the Bank.

Terms and Conditions

Offers are subject to Terms and Conditions. Please click here for details.
Terms and Conditions of Standard Chartered Credit Card Instalment Credit Program and Standard Chartered Credit-to-Cash Preferential Annual Rate Program (applicable to program opened on and after 3 August 2015):

A. General Terms and Conditions:

  1. The Bank reserves the right to vary or modify any of the Terms and Conditions. In case of any dispute, the decision of the Bank shall be final.
  2. Cardholder confirms that no Credit Card under his/her name issued by any financial institutions has been cancelled due to default in payments, and there is no current overdue payment exceeding 1 month in respect of his/her loan indebtedness (including Credit Card and any unsecured loans) with other financial institutions. Cardholder further confirms that no bankruptcy order has ever been made against him/her and he/she is not in the process of petitioning for bankruptcy nor has any intention to do so.
  3. The Cardholder understands and agrees that for the purposes of review of his/her existing credit facilities, the Bank may access data of the Cardholder held with a credit reference agency in accordance with the provisions of the Code of Practice on Consumer Credit Data.
  4. These Terms and Conditions of the Instalment Credit Program and the Credit-to-Cash Preferential Annual Rate Program shall be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region of the People’s Republic of China.
  5. If there is any inconsistency or conflict between English and Chinese versions, the English version shall prevail.

B. Common Terms and Conditions of Standard Chartered Credit Card Instalment Credit Program and Standard Chartered Credit-to-Cash Preferential Annual Rate Program:


  1. By applying to participate the Instalment Credit Program or the Credit-to-Cash Preferential Annual Rate Program in writing or by telephone, Cardholders are deemed to have accepted all Terms and Conditions set out in this promotional letter, as well as all Terms and Conditions stated in the Client Terms and the applicable documents referred to in Part A of our Client Terms (“banking agreement”).
  2. The Instalment Credit Program offer and the Credit-to-Cash Preferential Annual Rate Program offer are only applicable to the designated Standard Chartered Credit Card Account specified on the application form.
  3. No 360° Rewards Points will be granted under the Instalment Credit Program and the Credit-to-Cash Preferential Annual Rate Program.
  4. About three to six working days shall be required by the Bank to process the application of Instalment Credit Program and Credit-to-Cash Preferential Annual Rate Program. A notification letter will be sent to the Cardholder advising him/her the approval result and final approved amount.
  5. The Instalment Credit amount and the Credit-to-Cash amount applied for should be in multiple of HK$100.
  6. The designated bank may deduct a handling charge for local telegraphic transfer from the cardholder’s account (except Standard Chartered account).
  7. The Bank has the absolute right to approve or decline application for Instalment Credit Program and Credit-to-Cash Preferential Annual Rate Program in accordance to the credit policies adopted by the Bank from time to time, and the Bank has the sole discretion to determine the Instalment Credit and the Credit-to-Cash amount. The Bank is not obliged to provide reasons for declined applications.

C. Additional Terms and Conditions of Standard Chartered Credit Card Instalment Credit Program:

  1. The cash amount transferred from the credit limit of the Cardholder’s relevant credit card account under the Instalment Credit Program is referred to Instalment Credit amount. Upon approval of your application, the Instalment Credit amount and any applicable fee(s) and/or handling fees as described in Clause 5 below will be deducted from the available credit limit of your designated Standard Chartered Credit Card Account. The credit limit will be restored upon monthly repayment.
  2. Cardholder can make multiple applications during the promotional period. However, the total Instalment Credit amount and any applicable fee(s) and/or handling fees as described in Clause 5 below must not exceed your eligible Instalment Credit amount pre-printed on the promotional materials (if any).
  3. The first Instalment Amount and any applicable fee(s) and/or handling fees as described in Clause 5 below will be billed on the transaction date as shown in the coming statement which is the approval date of the Instalment Credit amount.
  4. (a) The Instalment Amount in relation to Instalment Credit Program is the amount payable by the Cardholder to the Bank in each month over the Instalment Period and is calculated by dividing the Instalment Credit Amount by the number of months in the Instalment Period plus the Monthly handling fee (if applicable). (b) Each Instalment Amount will be charged to the Card Account as a billable item under an additional service applied by the Cardholder and be shown as a cash advance in a Statement. Each Instalment Amount shall be payable by the Cardholder monthly under the Minimum Payment Due in accordance with the terms of banking agreement. The late charge and/or finance charge under banking agreement will apply if Minimum Payment Due or the Statement Balance shown in the Statement is not paid in full on or before the Payment Due Date specified in the Statement. (c) The number of instalments, the Instalment Amount and the Instalment Period cannot be altered without Bank’s consent. (d) The Instalment Credit amount is not a cash advance nor a retail purchase transaction made using the designated credit card(s).
  5. (a) Upon the Bank’s approval of the application, (i) an application fee determined and notified by the Bank from time to time will be charged to the Card Account on a lump sum basis (the Application Fee); handling fee determined and notified by the Bank from time to time will be charged to the Card Account on a monthly basis during the Instalment Period (each a Monthly handling fee, and collectively the handling fee). The Bank reserves the right to alter both charges from time to time without further notice; or (ii) an application fee as well as a handling fee determined and notified by the Bank from time to time will be charged to the Card Account on a lump sum basis (the One-off Handling Fee). (b) Any applicable fee(s) and/or handling fees charged to the Card Account as described in sub-clause (a) of this clause will be treated in the same way as an Involuntary Charge, and will be shown in a Statement and be payable by the Cardholder as such in accordance with the terms of banking agreement.
  6. (a) The Bank may at any time at its sole discretion terminate or suspend (for so long as the Bank thinks fit) the Instalment Credit Program in respect of a Card Account by notice to the relevant Cardholder. (b) Notwithstanding anything contained in banking agreement, these Terms and Conditions or any other document, the Bank will at all times have the right at its sole discretion (i) at any time to charge the Card Account, the aggregate of all remaining Instalment Amounts and any applicable fee(s) and/or handling fees as described in Clause 5 above not previously so charged, or the full Instalment Credit Amount and any applicable fee(s) and/or handling fees as described in Clause 5 above where an application has been approved but not yet charged to the Card Account, and/or (ii) to demand immediate payment of all sums payable pursuant to the Instalment Credit by Instalment Credit Program which are set out in these Terms and Conditions, whether or not already reflected in a Statement or due and payable at the date of the demand. (c) In particular (but without limiting the overriding nature of its right) the Bank may exercise its right under sub-clause (b) if (i) the Card Account is cancelled or terminated (or notice of cancellation or termination has been given) by the Cardholder or the Bank for whatever reason; (ii) the Cardholder defaults in the payment of any amounts due under banking agreement or these Terms and Conditions; (iii) the Cardholder breaches any other provision of banking agreement or these Terms and Conditions; (iv) the Cardholder is deceased, or a bankruptcy petition is presented in relation to the Cardholder, or the Cardholder is unable to pay his debts as they fall due; or (v) the Bank exercises its right under sub-clause (a).
  7. (a) The Cardholder may at any time during an Instalment Period repay all Instalment Amount and any applicable fee(s) and/or handling fees payable over the remaining Instalment Period but not yet charged to the Card Account subject to payment of an administration fee equivalent to 1% of the original Instalment Credit amount (the amount which the Cardholder withdrew upon successful application of Instalment Credit Program) or HK$300, whichever is higher, will be charged directly to your Standard Chartered Credit Card account. (b) The Cardholder shall give the Bank notice at least 5 working days in advance of his intention to make early repayment. Once given, such notice will not be revocable without the Bank’s prior consent. Partial early repayment will not be accepted. (c) On receipt of an early repayment notice, the Bank will charge to the Card Account the Instalment Amount to be repaid, any applicable fee(s) and/or handling fees as described in Clause 5 above and the administration fee as described in sub-clause (a). Such amounts will be shown in a Statement and be payable as Voluntary Charge(s) and as Involuntary Charge(s) respectively.

D. Additional Terms and Conditions of Standard Chartered Credit-to-Cash Preferential Annual Rate Program:

  1. For Cardholders who apply Credit-to-Cash Preferential Annual Rate Program, please call the application hotline 183 6336 to get the details of their personalized offer.
  2. The transaction type of Credit-to-Cash is cash advance. Upon approval of your application, your available credit limit will be deducted from your designated Standard Chartered Credit Card Account accordingly.
  3. Cardholder can make multiple applications during the promotional period.
  4. If the Cardholder fails to pay on or before the relevant due date any Minimum Payment Due specified in any statement issued during the Preferential Interest Rate Period, apart from the fees and charges as set out in the Credit Card Terms, you will also be subject to the prevailing interest, fees and charges (including but not limited to finance charge for cash advance, late charge and default rate) as specified in the Service Charges Booklet for all of your outstanding amount owed to us under Credit-to-Cash Preferential Annual Rate Program from the day following the relevant due date until the date of payment of the amount in full. The Credit-to-Cash Preferential Annual Rate Program may be terminated at the sole discretion of the Bank.
  5. Upon approval of Credit-to-Cash Preferential Annual Rate Program, (a) Interest-free period will cease to be applicable to all outstanding balance and new spending under the Card Account. (b) The Bank is entitled to apply finance charge for purchase and/or cash advance on all outstanding balance and new spending (except your outstanding amount owed to us under Credit-to-Cash Preferential Annual Rate Program) as notified by the Bank from time to time for the respective Standard Chartered Credit Card.
  6. The approved “Credit-to-Cash” amount cannot be used for the repayment of the credit card outstanding balance of Standard Chartered Credit Card or MANHATTAN Credit Card (“Card Outstanding Balance”). If the “Credit-to-Cash” amount is used to repay the Card Outstanding Balance, the Bank reserves the right to terminate the program offer and the “Credit-to-Cash” amount would be treated as Cash Advance. For the terms and conditions of Cash Advance, please refer to the terms of banking agreement or contact our branch staff for details.
  7. If a Cardholder has arranged full payment instruction of Direct Debit Authorization, the Cardholder should re-arrange payment instructions by calling our Standard Chartered Customer Service Hotline at 2886 4111, otherwise, the full amount of the “New Balance” (including full amount of Credit-to-Cash) as set out on the respective monthly statement will be automatically settled on the respective Payment Due Date as usual.
  8. Interest for the “Credit-to-Cash” amount will be charged at the promotional rate from the date when your application for this Program is approved till the end of the Preferential Interest Rate Period. The Prevailing Interest Rate for cash advance will be applied to the outstanding “Credit-to-Cash” amount thereafter. During the Preferential Interest Rate Period, notification on adjustment of Prevailing Interest Rate for cash advance may be sent to you from time to time and is for your reference only.

Terms and Conditions of MANHATTAN “Credit Cash” Instalment Program and MANHATTAN “Credit Cash” Preferential Annual Rate Program (applicable to program opened on and after 3 August 2015):

A. General Terms and Conditions:

  1. The Bank reserves the right to vary or modify any of the Terms and Conditions. In case of any dispute, the decision of the Bank shall be final.
  2. Cardholder confirms that no Credit Card under his/her name issued by any financial institutions has been cancelled due to default in payments, and there is no current overdue payment exceeding 1 month in respect of his/her loan indebtedness (including Credit Card and any unsecured loans) with other financial institutions. Cardholder further confirms that no bankruptcy order has ever been made against him/her and he/she is not in the process of petitioning for bankruptcy nor has any intention to do so.
  3. The Cardholder understands and agrees that for the purposes of review of his/her existing credit facilities, the Bank may access data of the Cardholder held with a credit reference agency in accordance with the provisions of the Code of Practice on Consumer Credit Data.
  4. These Terms and Conditions of the “Credit Cash” Instalment Program and the “Credit Cash” Preferential Annual Rate Program shall be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region of the People’s Republic of China.
  5. If there is any inconsistency or conflict between English and Chinese versions, the English version shall prevail.

B. Common Terms and Conditions of MANHATTAN “Credit Cash” Instalment Program and MANHATTAN “Credit Cash” Preferential Annual Rate Program:

  1. By applying to participate the “Credit Cash” Instalment Program or the “Credit Cash” Preferential Annual Rate Program in writing or by telephone, Cardholders are deemed to have accepted all Terms and Conditions, as well as all Terms and Conditions stated in the Client Terms and the applicable documents referred to in Part A of our Client Terms ("banking agreement").
  2. The “Credit Cash” Instalment Program offer and the “Credit Cash” Preferential Annual Rate Program offer is only applicable to the designated MANHATTAN Credit Card Account specified on the application form.
  3. No points will be granted under the “Credit Cash” Instalment Program and the “Credit Cash” Preferential Annual Rate Program.
  4. About three to six working days shall be required by the Bank to process the application of “Credit Cash” Instalment Program and “Credit Cash” Preferential Annual Rate Program. A notification letter will be sent to the Cardholder advising him/her the approval result and final approved amount.
  5. The “Credit Cash” amount applied for should be in multiple of HK$100.
  6. The designated bank may deduct a handling charge for local telegraphic transfer from the cardholder’s account (except Standard Chartered account).
  7. The Bank has the absolute right to approve or decline application for the “Credit Cash” Instalment Program and the “Credit Cash” Preferential Annual Rate Program in accordance to the credit policies adopted by the Bank from time to time, and the Bank has the sole discretion to determine the “Credit Cash” amount. The Bank is not obliged to provide reasons for declined applications.

C. Additional Terms and Conditions of MANHATTAN “Credit Cash” Instalment Program:


  1. The cash amount transferred from the credit limit of the Cardholder’s relevant credit card account under the “Credit Cash” Instalment Program is referred to “Credit Cash” amount. Upon approval of your application, the “Credit Cash” amount and any applicable fee(s) and/or handling fees as described in Clause 5 below will be deducted from the available credit limit of your designated MANHATTAN Credit Card Account. The credit limit will be restored upon monthly repayment.
  2. Cardholder can make multiple applications during the promotional period. However, the total “Credit Cash” amount and any applicable fee(s) and/or handling fees as described in Clause 5 below must not exceed your eligible “Credit Cash” amount pre-printed on the promotional materials (if any).
  3. The first Instalment Amount and any applicable fee(s) and/or handling fees as described in Clause 5 below will be billed on the transaction date as shown in the coming statement which is the approval date of the “Credit Cash” amount.
  4. (a) The Instalment Amount in relation to “Credit Cash” Instalment Program is the amount payable by the Cardholder to the Bank in each month over the Instalment Period and is calculated by dividing the “Credit Cash” Amount by the number of months in the Instalment Period plus the Monthly handling fee (if applicable). (b) Each Instalment Amount will be charged to the Card Account as a billable item under an additional service applied by the Cardholder and be shown as a cash advance in a Statement. Each Instalment Amount shall be payable by the Cardholder monthly under the Minimum Payment Due in accordance with the terms of banking agreement. The late charge and/or finance charge under banking agreement will apply if Minimum Payment Due or the Statement Balance shown in the Statement is not paid in full on or before the Payment Due Date specified in the Statement. (c) The number of instalments, the Instalment Amount and the Instalment Period cannot be altered without the Bank’s consent. (d) The “Credit Cash” amount is not a cash advance nor a retail purchase transaction made using the designated credit card(s).
  5. (a) Upon the Bank’s approval of the application, (i) an application fee determined and notified by the Bank from time to time will be charged to the Card Account on a lump sum basis (the “Application Fee”); handling fee determined and notified by the Bank from time to time will be charged to the Card Account on a monthly basis during the Instalment Period (each a “Monthly handling fee”, and collectively the “handling fee”). The Bank reserves the right to alter both charges from time to time without further notice; or (ii) an application fee as well as a handling fee determined and notified by the Bank from time to time will be charged to the Card Account on a lump sum basis (the “One-off Handling Fee”). (b) Any applicable fee(s) and/or handling fees charged to the Card Account as described in sub-clause (a) of this clause will be treated in the same way as an Involuntary Charge, and will be shown in a Statement and be payable by the Cardholder as such in accordance with the terms of banking agreement.
  6. (a) The Bank may at any time at its sole discretion terminate or suspend (for so long as the Bank thinks fit) the “Credit Cash” Instalment Program in respect of a Card Account by notice to the relevant Cardholder. (b) Notwithstanding anything contained in banking agreement, these Terms and Conditions or any other document, the Bank will at all times have the right at its sole discretion: (i) at any time to charge the Card Account, the aggregate of all remaining Instalment Amounts and any applicable fee(s) and/or handling fees as described in Clause 5 above not previously so charged, or the full “Credit Cash” Amount and any applicable fee(s) and/or handling fees as described in Clause 5 above where an application has been approved but not yet charged to the Card Account, and/or (ii) to demand immediate payment of all sums payable pursuant to the “Credit Cash” by the “Credit Cash” Instalment Program which are set out in these Terms and Conditions, whether or not already reflected in a Statement or due and payable at the date of the demand. (c) In particular (but without limiting the overriding nature of its right) the Bank may exercise its right under sub-clause (b) if: (i) the Card Account is cancelled or terminated (or notice of cancellation or termination has been given) by the Cardholder or the Bank for whatever reason; (ii) the Cardholder defaults in the payment of any amounts due under banking agreement or these Terms and Conditions; (iii) the Cardholder breaches any other provision of banking agreement or these Terms and Conditions; (iv) the Cardholder is deceased, or a bankruptcy petition is presented in relation to the Cardholder, or the Cardholder is unable to pay his debts as they fall due; or (v) the Bank exercises its right under sub-clause (a).
  7. (a) The Cardholder may at any time during an Instalment Period repay all Instalment Amount and any applicable fee(s) and/or handling fees payable over the remaining Instalment Period but not yet charged to the Card Account subject to payment of an administration fee equivalent to 1% of the original “Credit Cash” amount (the amount which the Cardholder withdrew upon successful application of the “Credit Cash” Instalment Program) or HK$300, whichever is higher, will be charged directly to your MANHATTAN Credit Card Account.(b) The Cardholder shall give the Bank notice at least 5 working days in advance of his intention to make early repayment. Once given, such notice will not be revocable without the Bank’s prior consent. Partial early repayment will not be accepted. (c) On receipt of an early repayment notice, the Bank will charge to the Card Account the Instalment Amount to be repaid, any applicable fee(s) and/or handling fees as described in Clause 5 above and the administration fee as described in sub-clause (a). Such amounts will be shown in a Statement and be payable as Voluntary Charge(s) and as Involuntary Charge(s) respectively.

D. Additional Terms and Conditions of MANHATTAN “Credit Cash” Preferential Annual Rate Program:

  1. For Cardholders who apply “Credit Cash” Preferential Annual Rate Program, please call the application hotline 183 6336 to get the details of their personalized offer.
  2. The transaction type of “Credit Cash” Preferential Annual Rate Program is cash advance. Upon approval of your application, your available credit limit will be deducted from your designated MANHATTAN Credit Card Account accordingly.
  3. Cardholder can make multiple applications during the promotional period.
  4. If the Cardholder fails to pay on or before the relevant due date any Minimum Payment Due specified in any statement issued during the Preferential Interest Rate Period, apart from the fees and charges as set out in the Credit Card Terms, you will also be subject to the prevailing interest, fees and charges (including but not limited to finance charge for cash advance, late charge and default rate) as specified in the Service Charges Booklet for all of your outstanding amount owed to us under “Credit Cash” Preferential Annual Rate Program from the day following the relevant due date until the date of payment of the amount in full. The “Credit Cash” Preferential Annual Rate Program may be terminated at the sole discretion of the Bank.
  5. Upon approval of “Credit Cash” Preferential Annual Rate Program, (a) Interest-free period will cease to be applicable to all outstanding balance and new spending under the Card Account. (b) The Bank is entitled to apply finance charge for purchase and/or cash advance on all outstanding balance and new spending (except your outstanding amount owed to us under “Credit Cash” Preferential Annual Rate Program) as notified by the Bank from time to time for the respective Standard Chartered Credit Card.
  6. The approved “Credit Cash” amount cannot be used for the repayment of the credit card outstanding balance of Standard Chartered Credit Card or MANHATTAN Credit Card (“Card Outstanding Balance”). If the “Credit Cash” amount is used to repay the Card Outstanding Balance, the Bank reserves the right to terminate the program offer and the “Credit Cash” amount would be treated as Cash Advance. For the terms and conditions of Cash Advance, please refer to the terms of banking agreement or contact our branch staff for details.
  7. If a Cardholder has arranged full payment instruction of Direct Debit Authorization, the Cardholder should re-arrange payment instructions by calling our MANHATTAN Customer Service Hotline at 2881 0888, otherwise, the full amount of the “New Balance” (including full amount of “Credit Cash”) as set out on the respective monthly statement will be automatically settled on the respective Payment Due Date as usual.
  8. Interest for the “Credit Cash” amount will be charged at the promotional rate from the date when your application for this Program is approved till the end of the Preferential Interest Rate Period. The Prevailing Interest Rate for cash advance will be applied to the outstanding “Credit Cash” amount thereafter. During the Preferential Interest Rate Period, notification on adjustment of Prevailing Interest Rate for cash advance may be sent to you from time to time and is for your reference only.
Terms and Conditions for HK$500 Supermarket Cash Coupon Offer (“Offer”):
  1. The promotion period is from 1 September to 31 December 2016, both dates inclusive (the “Promotion Period”).
  2. In order to enjoy the $500 Supermarket Cash Coupon (“Coupon”), clients are required to submit an application form or provide their information in application form via online channel and have successfully drawdown HK$50,000 or above on or before 31 December 2016.
  3. The redemption letter of the Coupon will be sent by mail to the respective eligible client’s correspondence address on the second month after the Loan drawdown.
  4. Client will not be eligible for any Coupon if the client cancels his/her application during the Promotion Period.
  5. The Coupon is subject to the relevant terms and conditions of the merchant. Please contact the merchant for details. Coupons cannot be transferred, redeemed or refunded for cash. If the Coupon becomes out of stock, the Bank reserves the right to offer an alternative gift as replacement without prior notice.
  6. Clients understand and accept that the Bank is not the supplier of the products/services purchased in this Offer. The Bank shall bear no liability relating to any aspect of the products/services, including without limitation, their quality, the supply, the descriptions of goods and/or services provided by the merchants, any false trade description, misrepresentation, misstatement, omission, unauthorized representation, unfair trade practices or conduct in connection the products and/or services provided by the merchants, their employees, officers or agents.
  7. If there is any inconsistency between the English version and Chinese version, the English version prevails.
  8. The Bank reserves the right to vary, extend and terminate the above 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.

You still don’t have the only Asia Miles Co-branded Card in Hong Kong?

From now till 28 February 2017, upon successful application of Standard Chartered Asia Miles MasterCard, you can enjoy a welcome offer of HK$0.5 = 1 for the first HK$7,500 spending and HK$2 = 1 for the subsequent spending, total up to 30,000.

Welcome Offer is only applicable to the eligible transactions and subject to a maximum limit of Asia Miles. Terms and conditions apply.

Remark: Annualised Percentage Rate ("APR") for retail purchase is 33.41%;; annual fee is HK$1,800. An APR is a reference rate which includes the basic interest rate and other fees and charges of a product expressed as an annualised rate.

Apply Now

Apply Online

Click here to sign up now.

Apply Now

Call Us

Call our hotline for further information.

Hotline:
2282 3800Δ

Locate Us

Visit the branch that is nearest to you.

Find a Branch »


Δ The operating hours of our Loan Application Hotline from Monday to Friday: 9am - 9pm and Saturday to Sunday; 9am - 8pm (exclude public holidays).

Back to Top

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.

Proceed