Retail Clients

Client Terms This document sets out the general terms and conditions of our personal banking relationship with you.

Retail Products

Credit Card
Notice of Change / Important Note in relation to Standard Chartered / MANHATTAN credit cards.
Credit Card Terms
Credit Card Key Facts Statement
Credit Card Repayment Schedule
Credit Card Important Information
Terms and Conditions for Points Redemption


Mortgage Facility Terms
This document sets out specific terms and conditions on which we agree to provide you with mortgage services with drawdown date on or after 14 Apr 2014.

Terms and Conditions for Investment Services
For further details, please refer to section II of the Banking Terms and Conditions

Personal Data (Privacy) Ordinance and the Code of Practice on Consumer Credit Data

Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance and the Code of Practice on Consumer Credit Data
STANDARD CHARTERED BANK (HONG KONG) LIMITED Notice to Customers and Other Individuals relating to the Personal Data (Privacy) Ordinance and the Code of Practice on Consumer Credit Data

The above terms and conditions are applicable to the banking services and products effective* on or after 25 February 2009. You may obtain a copy from any of our branches in Hong Kong.

* Effective date of the Current/Cheque/Savings Account and Time Deposit Account is the application date, while the effective date of the Credit Card and Personal Loan/Personal Line of Credit/Overdraft Account is the approval date.

Below are the terms and conditions of the banking services and products effective" before 25 February 2009.

Terms & Conditions for Accounts effective* before 25 February 2009

For enquiries relating to Standard Chartered's terms and conditions and those which are not contained on this website, please visit your nearest branch or call our customer service hotline on 2886 8868.

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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.


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.