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Help Centre – Payments and Transfers

Online Banking related FAQs

Fund transfer FAQs

    1. Funds can be transferred between your Standard Chartered accounts (local currency & cross-currency).
    2. Funds can be transferred to registered other (third party) Standard Chartered account (local currency only).
    3. Funds can be transferred to registered accounts held with other local banks (local currency only).

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  • For same currency transfer, you may do it any time of the day. For cross currency transfer, the service hours are from 9:00a.m. to 9:00p.m. on weekdays and from 9:00a.m. to 1:00p.m. on Saturdays, excluded Sundays and public holidays.

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  • You can make a transfer only from an either-to-sign joint account but not from a both-to-sign joint account.

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  • It depends on the type of transfer you wish to make.

    1. For transferring funds between your own Standard Chartered accounts in Hong Kong, there is no charge.
    2. For transferring funds to another Standard Chartered account in Hong Kong, there is no charge.
    3. For transferring Hong Kong Dollars to another local bank, there is no charge.

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  • Please click here for more information.

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  • You can register up to 10 third party accounts with Standard Chartered and 10 third party accounts with other banks.

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  • The payment amount will be debited from your account immediately and the beneficiary will receive the money after 1 clearing day.

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  • You can login to SC Mobile App to go to “Settings” and select “Daily Limit Maintenance” to update the daily aggregated transfer limit* to online registered third party payees.

    *The aggregated total for telegraphic transfers, transfer to SCBHK 3rd party, non-registered payee, other local banks and bill payment is HKD1,000,000.

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  • You may check your transaction records at “Transaction History”. (If the payee bank code, branch code or account number is invalid, the transaction will be returned by the payee bank and charges may be imposed. If you are unsure of the payee account information, you are advised to contact the payee bank before making fund transfer).

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Remittance Service General FAQs

  • Remittance is a new online service offered by the bank to allow users to remit money aboard.

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  • You will have to first add a remittance beneficiary by filling in the various details of the payee online. Funds can then be transferred to registered payees.

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    • You can perform the fund transfer at anytime of the day and anywhere across borders
    • Save the hassle of queuing at the branch

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  • Please refer to “Service Charge” for the charges.

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  • Yes, you can, particularly if you are remitting funds to China. However, if the remitted fund is in USD currency, the beneficiary name and other information must be in English, be it submitted online or through our branches.

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  • These are codes representing how to arrange for the local and overseas bank charges.

    By choosing “SHA“, the bank charges incurred locally will be paid by you as the remitter. The overseas bank charges will be paid by the beneficiary. Therefore, the overseas bank charges will be deducted from proceeds and the beneficiary will receive the remaining amount net of overseas bank charges.

    By choosing “BEN“, the beneficiary will pay both the local and overseas bank charges. Therefore, the beneficiary will only receive the remaining amount net of local and overseas bank charges.

    By choosing “OUR“, the remitter will pay both the local and overseas bank charges. Therefore, the beneficiary will receive the whole amount of the remittance.

    The actual amount of overseas bank charges will depend on the beneficiary countries, zones and the route of the remittance.

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  • You will have to register the beneficiary information such as the beneficiary bank name, account number and payee name under “Remittance” > “Add Remittance Payee” before you can remit funds to the person on Online Banking.

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  • We offer remittance up to 24 foreign currencies, including:

    • AUD, CAD, CHF, EUR, GBP, HKD, NZD, SGD, USD, JPY and CNY- Debit account can be in any currencies.
    • KRW, MOP and TWD- Debit account must be in HKD or USD.
    • Other currencies , including BND, DKK, INR, LKR, NOK, PHP, PKR,SEK, THB and ZAR – Debit account can only
      be in HKD or USD when doing these types of remittance via SC Mobile App or Online Banking . Please visit branch
      if you wish to select other currencies as the remittance debit account.

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  • Yes. If you are already our SC Mobile App or Online Banking user, you can simply login and click “Transfer”, then choose “International Transfer”> “Add Payee” to register the payee details. Then you can transfer funds via SC Mobile or Online Banking.

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  • Please prepare below information :

    1. Payee Bank Account Number. If you are remitting to UK or Europe, please provide the payee’s
      International Bank Account Number (IBAN)
    2. Payee Account Name. It must be same as the one registered with the beneficiary bank.
    3. Payee Full Address, including province and postal code,
    4. Payee Bank Name
    5. Payee Bank SWIFT Code (in 11 characters). If you are remitting to the following countries, please obtain
      the local clearing code from the beneficiary or beneficiary bank :

      • Australia- BSB Code (in 6 digits)
      • Canada- Transit Number (in 8 digits) , consist of 5 digits branch transit number and 3 digits
        financial institution number
      • UK- Sort Code (in 6 digits)
      • US- ABA Routing Number (in 9 digits)

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  • You shall select the record with matching local clearing code and SWIFT code. The payee bank address and branch name is for reference only. You shall not select the bank record based on this reference information.

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  • Yes, you can do so by setting the transfer date and frequency when inputting the transfer details. The date set must be within 3 years of the application date. If you wish to set a recurring transfer, the minimum frequency is 2.

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  • You can view the latest 20 remittance transactions within the past 3 months via “Transfer”> “International Transfer”> “Recent Transactions”. Please note that Renminbi remittance to the mainland China and instruction involving Chinese character encoding will not be shown on this section.

    If you wish to check upcoming scheduled transfers, please click the “Scheduled transaction” button on the “ Recent Transactions” page.

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  • In general, the time taken varies across different destinations and remittance amount:

    Destination Remittance amount below or equal to
    USD48,000 (or equivalent) per
    transaction    		 Remittance amount above
    USD48,000 (or equivalent) per
    transaction
    Australia 1 business day 3-5 business days
    Canada 1 business day 3-5 business days
    Euro Region Countries Same Day 3-5 business days
    Singapore Same Day 3-5 business days
    UK Same Day 3-5 business days
    US 1 business day 3-5 business days
    Other countries 3-5 business days

    The exact time needed for payee to receive the fund depends on several factors, such as the remittance currency type, the processing time of payment intermediaries and the clearing mechanism of local and payee bank. The displayed delivery time on screen is for your reference only. Please reserve enough time , provide accurate and complete payee information as well as ensure enough funds in account, so that payee can receive the funds on time.

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  • Applications can be submitted 24/7. In general, applications submitted before 5:00 pm on a clearing day will be
    processed and sent on the same day. Applications submitted after 5:00pm or on a non-clearing day will be processed and sent on the next business day.

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  • If you wish to perform a CHATs Transfer, you may do so via Online Banking. Login and click “Transfer”> “Local Telegraphic Transfer”.

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Telegraphic Transfer/ Remittance Service Limit and Charges FAQs

  • You can remit up to HK1,000,000 (or equivalent) daily. For online security reason, the online transfer limit has been pre-set as HKD0. You can go to “My Preferences” (for online banking) or “Setting” (for SC Mobile App) -> “Daily Limit Maintenance” to adjust the limit. Your transfer limit will be reset to HKD0 if you have not successfully performed this type of transfer for the past 13 months.

    For CNY remittance to Mainland China, the current daily limit is CNY80,000 per person for Hong Kong residents.

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  • Please refer to the Outward Remittance section of our latest service charges booklet: https://www.sc.com/hk/help/service-charges/.

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  • The bank will instruct multiple payment intermediaries to execute the remittance instruction. We will determine the available and most appropriate payment intermediary to execute the remittance based on the payee account type, remittance destination, currency and amount. For details, please refer to the the Outward Remittance section of our latest service charges booklet: https://www.sc.com/hk/help/service-charges/.

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  • Correspondent bank charge is the handling fee charged by corresponding banks for executing the remittance instruction. In general, correspondent bank charge is waived for remittance made to individual account in domicile currency , with amount below USD48,000 (or equivalent) per transaction to Australia, Canada, Euro Region Countries¹, Singapore, UK and US.

    However, there are some exceptions where correspondent banks charges still apply:

    • Payment made by client with US/ Canada address
    • Payment made to payee’s account with a BIC/SWIFT code not on the list of The Association of Banks (ABS) in
      Singapore: https://www.abs.org.sg/docs/library/swift_bic_codes.pdf
    • Other scenarios whereas the payment must transfer via SWIFT network

    You can request the correspondent bank charges to be paid by yourself or the payee. If you request the correspondent bank charges to be paid by yourself, please select the “ME” charge option. A minimum of HKD$250 will be deducted from your account. If you request the correspondent bank charges to be paid by the
    payee, please select the “ SPILT” charge option. Charges will be deducted from remittance amount directly by
    the recipient bank.

    ¹ Includes the following countries: : Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lichtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Slovakia, Slovenia, Spain, Sweden and Switzerland.

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Telegraphic Transfer/ Remittance Service Others FAQs

  • The accuracy and completeness of payee information will affect the time taken and handling fee imposed by the payment intermediaries to execute the remittance instruction. You are encouraged to update the payee details per instruction, before initiating any remittance transaction.

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  • Once the remittance instruction is processed, no amendment or cancellation can be made. Any amendment or cancellation instructions subject to the consent of payment intermediary, correspondent bank and payee bank. Please visit any of our branches to submit a written request. A service fee of HKD 250 will apply.

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  • All remittance instructions made via SC Mobile or Online banking, with foreign currency exchange performed on spot, are entitled to participate in the FX Membership program (except for instructions involving CNY, KRW, MOP, TWD or cancelled transactions). For details, please visit https://www.sc.com/hk/investment/foreign-exchange/ and refer to Terms and Conditions of the FX Membership program set out on the website.

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  • Korean Won and New Taiwanese Dollar are restricted currencies. The final Fx rate applied to the remittance depends on the beneficiary bank. The rate shown on SC Mobile App/ Online Banking is for reference only.

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  • Please be reminded that when remitting to China, the payee name you provided must be exactly the same as the one registered in beneficiary bank record. You are suggested to enter the name in PingYin to ensure accuracy.

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  • Our SC Mobile App/ online banking only support transfer to beneficiary banks with SWIFT code present. In this case, please visit branch to submit manual application for the transfer.

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Transfer History & Limits FAQs

  • Please click here for more information.

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  • You can login to our Online Banking to go to “My Preferences” and select “Daily Limit Maintenance”, to update the daily aggregated transfer limit* to online registered third party payees.

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    • Deposit Account – 1 year
    • Standard Chartered Credit Card – 90 days
    • MANHATTAN Credit Card – upto last 2 months’ statements and billed transactions
    • Loan & Mortgage – 1 year

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Direct Debit Authorization FAQs

  • Same as existing branch and mail-in for DDA setup via Online Banking is also free of charge.

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  • The maximum payment limit for Online Banking DDA setup is at HKD100,000 per each payment. If you would like to setup DDA with payment limit exceeding HKD100,000, you may download and complete the “Autopay Authorization” form , then return it to any of our branches for processing.

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  • Yes, you can setup/amend a DDA without specify an end date where the instruction will carry on indefinitely until the bank have received your instruction for termination.

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  • Yes, you can amend / cancel for those DDA setup at branch via online.

    Note:
    Amendment on payment limit is capped at HKD100,000 via Online Banking. For payment limit exceeding this amount, you can complete the “Direct Debit Authorization Amendment/Cancellation” form to any of our branches for processing.

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  • Once your instruction has been accepted by the Bank, it will take up to 2 – 4 weeks before the DDA setup will be effective.
    You may contact the merchant to further enquiry the DDA setup status.

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  • No, one debtor reference code will be assigned to each merchant.

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  • Given that a single debtor reference code can be assigned to a single merchant, the only way to reuse the same debtor reference is to reactivate the cancelled DDA at branch. Please download the “Autopay Authorization” form and submit to the nearest branch for reactivation.

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  • There is a “Submission Channel” column under the DDA summary that you could check whether the instruction is submitted via branch or online

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  • A debtor reference code is the number assigned by the merchant against your bill. For example, loan account number, mobile phone number, customer number etc.

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  • The number is usually shown on the bill you receive from the merchant. As it is assigned by the merchant, you should call the merchant to double check.

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  • Usually 6 to 8 weeks upon receipt of the Autopay Authorisation form.

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  • “AUTOPAY” will usually be shown on your bill.

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  • Limit and expiry date are not mandatory, and you can choose to indicate them or not. For your protection, if the Autopay set up instruction is sent in through phone, the limit shall be HKD$10,000 at most.

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Bill Payments FAQs

  • First, you need to add your payee online. Then choose the respective payee from the online list and submit payment.

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  • You don’t have to know any merchant code to make your payment. You can simply choose the merchant names from the list and input your account numbers.

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  • You should refer to your bill or contact the billing company on the payee company name.

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  • The cut-off time is 4:00p.m, Monday to Friday. Payment made thereafter or on Saturdays, Sundays and public holidays will be processed on the next clearing day. For payment to White Form eIPO, please refer to eipo.com.hk for the cut-off time of corresponding White Form eIPO.

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  • You can pay bills of selected merchants by credit cards. If you pay your bill by Standard Chartered Credit Card within the month of / one month before the card expiry date shown on the credit card, please activate the renewed Credit Card upon receipt before making payment.

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  • Electronic Bill Presentment and Payment Service (EBPP) enables Standard Chartered Online Banking customers to register, receive, view and pay bills anytime and anywhere via the Bank’s internet banking, achieving a more effective management of all bills and payments without any geographical constraints.

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  • Merchants with EBPP service provided have “Available to Enrol e-bill Summary” in e-bill status. You can enrol an EBPP service via your Standard Chartered Online Banking. After the merchant confirms the enrolment request, you can receive and view the e-bill and make payment on the same platform.

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  • Yes, provided that the bill owner agrees and the merchant allows third party enrolment. A related template will be prompted for you to enrol. To enrol a third party eBill, you also need to provide the bill owner’s personal information such as date of birth (month & year), a partial identity number or subscription code (if applicable) for merchant validation.

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  • The standard service lead time for merchants should be no more than 60 days. You will also be informed by us via SMS about the result of your request.

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  • When an e-bill is ready in your Standard Chartered Online Banking, you will receive reminder from us via SMS. Please log on Standard Chartered Online Banking ‘View & Pay Bills’ page and check the e-bill summary.

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  • Approximately 5 days before due, you will receive SMS friendly reminder from us. Since SMS especially via roaming is not guaranteed, you are advised to log on your Online Banking “View & Page Bill” page to manage your bills and payments.

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  • At most 12 e-bill summaries will be retained. You can print it for your record.

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  • Yes. The same bill account number is allowed a maximum of five enrolment requests, no matter whether it is in the same or different banks.

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  • Yes, but it depends on the participating merchants. Only bills in HKD denomination can be settled via Bill Payment service of our Online Banking. If you would like to settle non-HKD bill via Online Banking, please check with your Participating Merchant for the HKD equivalent amount of the bill before effecting bill payment request. The bill payment system will debit your HKD account for payment.

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  • At the moment we do not provide any e-receipt. You can check the payment transaction status from Standard Chartered Online Banking. We are striving to raise our service standard and planning to provide this service in future.

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  • We note that the number of Participating Merchants in Standard Chartered Online Banking is different from that in other Banks. Nevertheless we are striving to serve our customer better and planning to support more Participating Merchants in future.

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Post-dated Instruction FAQs

  • It is a service that enables you to make the transaction to a payee/merchant on a pre-defined date. This service is applicable to payment type such as, Personal Account Transfer, Third Party Fund Transfer (excluded telegraphic transfer), Bill Payment and Credit Card Payment. You simply select payment date and we will automatically make the transfer for you on that date. You must ensure that sufficient funds or credit limit (if you pay by your credit card) are available in your account one day before the transfer date in your account to be debited.

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  • There is no limit for the post-dated instruction. Simply select the date and we will automatically make the transfer for you in the morning on the desire date.

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  • Yes, you can use your Standard Chartered Credit Card for your post-dated instructions. If you pay your bill by Standard Chartered Credit Card within the month of / one month before the card expiry date shown on the credit card, please activate the renewed Credit Card upon receipt before making payment.

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  • Yes, you can set a repeated scheduled payment with Standard Chartered Online Banking. Just note that if your repeated scheduled fund transfer falls on the last day of the month, this date will be subject to change to reflect the last day of that month, and will be changed to that date going forward.

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  • In this case, the transfer will not be made. Please notice that funds should be one day before the transfer date in your account to be debited.

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  • In this case, the transfer may not be executed successfully. We strongly recommend that customers delete the payee/merchant if needed after the post-dated instruction is successfully processed.

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