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Help Centre – Online Banking

Online Banking Related FAQs

General FAQs

  • Standard Chartered Online Banking is an innovative and comprehensive online banking service tailored to serve your changing financial needs. With Standard Chartered Online Banking, you can enjoy more convenient and round-the-clock banking services ranging from day-to-day account transfer transactions to valuable financial information, which enable you to manage your finance anytime anywhere.

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    • Hong Kong Dollar Savings/ Current/ Time Deposit Accounts
    • Renminbi Savings/ Time Deposit Accounts
    • Foreign Currency Savings/ Current/ Time Deposit Accounts
    • Mortgage/ Personal Loan Accounts
    • Credit Card Accounts
    • Investment Accounts

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  • Standard Chartered Online Banking is free to customers with valid Standard Chartered Tele-electronic Banking Services or ATM Card Services*. However, please note that use of some services such as request for credit card statement and, Telegraphic Transfer are subject to corresponding service charge.

    * Setting up of Tele-electronic Banking Services or ATM Card Services for your Credit Card, Click-a-Count or relationship package (Easy Banking/Personal Banking Privileged Plan/Priority Banking) will be free of charge. Otherwise, it will be subject to an annual fee. Please refer to “Service Charges” for details.

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  • All the Web pages can be viewed in Traditional Chinese, Simplified Chinese or English.

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  • You may register Standard Chartered Online Banking at our website. Personal customers: simply use your Phone Banking Card Number and your TIN or your ATM Card Number and your PIN to register Standard Chartered Online Banking. SME customers: use your Business Phone Banking Number and your TIN to register Standard Chartered Online Banking.

    If you are a principal cardholder of Standard Chartered Credit Card or Manhattan Card, you may choose to register for “Credit Card Online”**. After registration of “Username” and “Password”, you can login to “Credit Card Online” or “Standard Chartered Online Banking”, to see your credit card details such as transaction history, payment due date, amount and 360° Reward Points, subscribe for/view your credit card eStatements and set up SMS alerts. If you need to access other Standard Chartered Online Banking services, or, your Standard Chartered bank accounts, you will need to re-register for Online Banking using your Phone Banking Card or ATM Card information.

    Your online banking registration count will be locked after several incorrect inputs of above personal credentials during online banking registration. Personal customers: please contact our customer service hotline to arrange unlock. SME customers: please download applicable forms and mail the completed forms to the Bank or drop them at any of our branches for processing. Upon receipt and confirmation, your request will be processed within 3 working days.

    You must receive a One-time Password via your mobile phone number in the Bank’s record and complete 2-Factor Authentication before defining your Standard Chartered Online Banking or Credit Card Online Username and Password. After registration, you may login the services using your self-defined Username and Password.

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  • Please visit any branches to request.

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  • Phone Banking Card is the designated ATM Card or Credit Card that has been registered for Phone Banking services. Tele-electronic Identification Number (TIN) is your Phone Banking services password.

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  • Please visit any branches or call us at 2886 8888 to request.

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  • That is your self-defined 8-16 characters Standard Chartered Online Banking or Credit Card Online Username & Password.

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  • For Personal Customers:

    You may register your ‘Username’ and ‘Password’ with your Phone Banking Card Numer and TIN or ATM Car Number and PIN at Standard Chartered website. If you are a principal cardholder of Standard Chartered Credit Card or Manhattan Card (Except Shop’n Gain Credit Card, designated MasterCard (card number starting with 5488) and MANHATTAN id Platinum Card.) you may choose to register for “Credit Card Online”. You must receive a One-time Password via your mobile phone number in the Bank’s record and complete 2-Factor Authentication before defining your Standard Chartered Online Banking or Credit Card Online Username and Password.

    SME Banking Customer:

    You may register your ‘Username’ and ‘Password’ with your Business Phone Banking Number and TIN at Standard Chartered website. You must receive a One-time Password via your mobile phone number in the Bank’s record and complete 2-Factor Authentication before defining your Standard Chartered Online Banking Username and Password.

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  • Yes, you can login to Standard Chartered Online Banking and change your Password anytime to ensure security.

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  • If you suspect that your Password has been stolen or exposed to others, please call our Customer Service Hotline at (852) 2886 8868 (Press 2,6,0 to talk to our Customer Service Representative) to terminate your access immediately.

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  • Should you encounter any difficulties during login, please call our Customer Service Hotline at (852) 2886 8868 (Press 2,6,0 to talk to our Customer Service Representative).

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  • You will benefit from the most comprehensive range of services in many ways:

    • Account Information – Your account balances and status of your issued cheques are just a few clicks away!
    • Fund Transfer and Payment – Experience the ultimate convenience, especially when it comes to transferring funds, making payments and even Telegraphic Transfer to third parties.
    • Investment Services – Enjoy all the choices, information, analysis and flexibility of our all-rounded Investment Services.
    • Card Services – No more troubles in making card payments or checking your card balances and 360° Rewards Points with Standard Chartered Online Banking.
    • Online Applications – You can now even open new accounts and apply for our insurance, loans and credit cards easily from home and at your own convenience!
    • Personal Update – Keep us posted of any changes to your personal details and plans whenever you wish.
    • Market Watch – Deposit, lending and foreign exchange rates, market movements, and professional economic trends are at your fingertips all day through.
    • e-Statement – Not only reduce paper consumption, you can also retrieve your last 12 months’ statement at online.

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  • You can enquire on your account balance, transfer funds in same currency, pay bills and conduct credit card-related transactions at anytime when you are online with us. Foreign currency exchange related services are available 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, just the same as normal market hours.

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  • You can check all the accounts under your name, whether in your sole name or in the joint names with others.

    However, if you are first time login to Standard Chartered Online Banking, your credit card transaction records, loan transaction records and SME (Small-Medium Enterprise) accounts will be available in online banking on the next business day. Meanwhile, please call our Customer Service Hotline for transaction history or account information.

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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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  • Transactions made with your deposit accounts after 11pm or on holidays will be shown from the following business day. Balance in corresponding Standard Chartered deposit account(s) will be updated immediately.

    Payments to/from your credit cards will be shown after 1 or 2 business days.

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OTP and Transaction Password FAQs

  • One-time Password (OTP) is a security feature which sends a 6-digit OTP transmitted to your mobile phone number via a SMS. OTP is required when you request for the following (and more) services at Standard Chartered Online Banking:

    • Register Username and Password
    • Add Transfer payees
    • Add bill Payees (Except bills of Government & Statutory Organization and Public Utilities)
    • Add Telegraphic Transfer Payee
    • Add Octopus O!ePay Account for top up
    • Add Alipay Account
    • Update personal information
    • Log into Online Securities Services Platform

    The Hong Kong Association of Banks has issued a leaflet “Internet Banking-Protect Your Money with Two-Factor Authentication”. You may click here to learn more details on how OTP is applied in online banking and its benefits to you.

    Please don’t forward your OTP received to another device and always safe keep your ATM/credit cards.

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  • The following (and more) online services require an OTP:

    Individual Customers:

    • Register Username and Password
    • Add Transfer payees
    • Add bill Payees (Except bills of Government & Statutory Organization and Public Utilities)
    • Add Telegraphic Transfer Payee
    • Add Octopus O!ePay Account for top up
    • Add Alipay Account
    • Update personal information
    • Log into Online Securities Services Platform

    SME Customers:

    • Register Username and Password

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  • You will be prompted to obtain an OTP when you request for online service which requires this added authentication measures. If you click “Agree” to receive the OTP via the mobile phone number shown on Standard Chartered Online Banking screen, the OTP will be sent to you via a SMS. (Note: Online Banking Services related SMS, including “One-Time Password (OTP)”, issued by our Bank will be sent to your mobile phone number in the Bank’s records only. The SMS will not be forwarded even though you have enabled “SMS Forwarding” service provided by your Telecommunication Company in Hong Kong.

    Upon a successful of verification OTP, you will be able to perform the requested services.

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  • For personal customers, the OTP will be sent to your mobile phone number on our records. (Mobile phone number registered under your savings or current accounts will be used. If you do not have such accounts with us, you would need to register your mobile phone number before you can access the online services mentioned above.) If you choose to receive OTP via your overseas mobile phone number, please delete your local mobile phone number in the Bank’s records.

    For SME customers, the OTP will be sent to mobile phone number registered under corresponding Tele-electronic Banking users.

    If your need to add, delete or update your mobile phone number, please download the appropriate service request form and mail the completed form to us at Kowloon East Post Office PO Box No. 68383 or drop it at any of our branches for processing.

    Upon receipt and confirmation, your request will be processed within 3 working days.

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  • The OTP is sent immediately after you agree to receive it. Under normal circumstances, you should receive the OTP within 1 minute.

    Due to network traffic or the public nature of the network, delivery of SMS may be subject to delayed transmission.

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  • You must have a SMS-enabled mobile phone or device. Most of the mobile phone service providers in Hong Kong support receipt of SMS. If you are abroad or using overseas mobile service providers, the service provider may not support receipt of international SMS. Your service provider may also levy charges. You may like to consult your service provider and /or hardware supplier for details.

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  • You may download the appropriate registration form at Standard Chartered Online Banking for payee registrations and update of personal information.

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  • We will send the OTP according to your mobile phone number on our record. However, delivery of SMS relies on support from service provider. If you are abroad or using overseas mobile service providers, the service provider may not allow you to receive international SMS. Your service provider may also levy charges. You may like to consult your service provider and /or hardware supplier for details.

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  • If you are unable to request for or receive an OTP, it could be due to the following reasons:

    • You have not registered your mobile phone number with us. To receive OTP in future, please add/update your mobile phone number with us by sending us the completed service request form which is available online.
    • Your registered mobile phone number is incorrect.
      Please verify the mobile phone number shown on Standard Chartered Online Banking screen.
      For an overseas mobile phone number, the number displayed would include country code, area code (exclude prefix, which is not required when calling from overseas) and telephone number without any space, letters or special characters, e.g. 14161234567.
      To update your mobile phone number with us, please download the appropriate form available online and mail the completed form to us for processing.
    • Your mobile phone memory / SIM memory is insufficient/full.
      You should free up some phone memory / SIM memory, restart your handset and retry. You may consult your hardware supplier or refer to the users manual of your handset for details.
    • You have switched off your mobile phone.
      You can only receive your OTP via your registered mobile phone number. Please switch on your mobile phone for receipt of OTP. Even if you have forwarded your calls to another mobile phone number, the SMS will not be redirected.
    • You are abroad or using overseas service provider which does not support international SMS.
      For payee registrations and update of personal information, please download the appropriate forms at Standard Chartered Online Banking and mail the completed form to us for processing.
    • Your mobile phone number is registered to more than one account owner and it is currently being used by the other account owner for receipt of OTP.
      Please wait for the other account holder to successfully log out for Standard Chartered Online Banking before retrieving your OTP.
    • The system is unavailable.
      The system is undergoing maintenance, or is unavailable. Please try again later.
      For payee registration, service is available from 9am to 11pm (Mon-Sat), except public holidays.

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  • No, only online stores participated in Verified by Visa or Mastercard®SecureCode™ or American Express SafeKey will require you to input a OTP in order to complete the transaction.

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  • Effective from 23 September 2019, when supplementary cardholder makes secure online transactions with a Standard Chartered/ MANHATTAN supplementary credit card, a One-Time Password will be sent via an SMS to the supplementary cardholder’s valid mobile number already registered with the Bank.

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  • OTP provides added assurance by authenticating you while using your Standard Chartered Visa Card / Mastercard® / American Express when making payments at Verified by Visa or Mastercard®SecureCode™ or American Express SafeKey® online stores.

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  • Registration for the OTP is not required. However, the Service is only applicable to the Principal Cardholder with a valid Hong Kong mobile phone number registered with the credit card system of the Bank.

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  • Look for the Verified by Visa or Mastercard® SecureCode™ or American Express SafeKey mark on participating online stores.

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  • No, but the service has become available to more and more online stores now.

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  • OTP is only applicable to the Principal Cardholder with a valid Hong Kong mobile phone number registered with the credit card system of the Bank. If you do not receive your OTP within 20 seconds after submitting your request, you may click “Resend OTP” to request for another one. You should also check if your mobile phone number registered with the credit card system of the Bank is updated.

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  • You will not be allowed to click “Resend OTP” to request for another one if you have input a wrong OTP for many times. Please restart the entire online purchase transaction again.

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  • The OTP will only valid for a certain period after it is issued. You can click “Resend OTP” to request for another OTP if the OTP has expired.

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  • Standard Chartered Online Banking is committed to providing reliable online banking services and has introduced Transaction Password to further enhance online authentication and security

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  • When you request for the following online services, you will be required to enter your valid Transaction Password and the “One-time Password”, which will be sent to your mobile phone number on our record:

    • Add Transfer payees
    • Add bill Payees (Except bills of Government & Statutory Organization and Public Utilities)
    • Add Telegraphic Transfer Payee
    • Update personal information

    If you choose to set up your Transaction Password at a later time, or not to set up you Transaction Password, you may still conduct other online transactions after logging in to online banking with your valid username and password.

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  • You may choose to set up your Transaction Password after logging in to Standard Chartered Online Banking. You will be required to enter your valid ATM Card Number and PIN, or your valid Phone Banking Card Number and TIN, when you set up your Transaction Password.

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  • Please visit any of our branches to apply for the services. If you are an existing Phone Banking use, you may request for TIN re-issuance via our Customer Service Hotlines. The new TIN will be mailed to your correspondence address in our records after successful application.

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System Requirement FAQs

  • Our online banking pages require turning on TLS 1.2 in your computer, therefore, your browser should be able to support TLS1.2. Please refer to the table below for the browser versions which support/ do not support TLS1.2. If your browser version does not support TLS1.2, please kindly upgrade your browser in order to enjoy the online banking service.

    Browser Version that supports TLS1.2 by Default Version that supports TLS1.2 but disabled by default Versions that DO NOT Support TLS1.2 at all
    Google Chrome V38 and above V30 to 37 V29 and below
    Google Android OS Broswer V5.0 and above V4.4 to 4.4.4 V4.3 and below
    Firefox V27 and above V24 to 26 V23 and below
    Internet Explorer / Edge V11 and above V9 to 10 V8 and below

    V9 and below on Windows Vista

    Server 2008

    Safari V7 and above None V6 and below
    Safari Mobile V5 and above None V4 and below

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  • To enable TLS 1.2 protocols on web browsers, see below.

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  • Click Help at the menu bar and select About Internet Explorer or About Communicator to check the browser’s version number.

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  • You can follow the steps below to download your transaction details, or click here for more details:

    1. Click on Download CSV file
    2. Save the document
    3. Select Open with Microsoft Office Excel
    4. Adjust the column width

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