Standard Chartered’s Loan Against Term Deposits is an overdraft facility specially designed to offer you liquidity without compromising the return of your fixed-term deposits
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Additional Features

  • Higher limits of up to 85% against domestic term deposits.
  • Personalised cheque book
  • Phone banking
  • Multi-city banking
  • Multi-city cheque book


  • Please refer to Schedule of Service Charges for details on fees and tariffs.
    * Terms and conditions apply.

*The Bank's rules and regulations govern Cashback categories and offers. Refer to Terms and Conditions of the Super Value Titanium Credit Card for further details

* The Smart Credit Account Limit is at the sole discretion of the bank and can be increased, decreased or blocked based on the bank's credit policies.

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SMS LAS <city> to 57575

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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.