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Meet all your banking needs with Saadiq JustOne Personal-i
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  • Place minimum of RM1,500 in a single transaction into Saadiq JustOne Personal Account-i monthly (fresh funds).
  • "Fresh funds" means funds in Ringgit Malaysia that do not originate from any account held with either Standard Chartered Bank Malaysia Berhad or Standard Chartered Saadiq Berhad.


Saadiq JustOne Personal Account-i Benefits
  • Fee waiver* for withdrawals from your Saadiq JustOne Account-i at over 12,000 MEPS ATMS and more than 360 HOUSe ATMs nationwide
  • Free Interbank GIRO funds transfer from Saadiq JustOne Account-i via Standard Chartered Online Banking
  • Debit Card-i to access to your Saadiq JustOne Account-i
  • Based on the principle of Mudharabah with Profit Sharing Ratio (PSR) of 1:99 (customer : bank). Profits earned will be credited at the end of each month.

Instant fund transfers are real time transactions while Interbank GIRO fund transfers will be effected at least one working day after the transaction date.

Saadiq JustOne Personal Investment Account-i Benefits
  • Based on the principle of Mudharabah with Profit Sharing Ratio (PSR) of 5:95 (customer: bank). Profits earned will be credited at the end of each month.
  • Additional hibah of 1% p.a.* will be credited at the end of the following month.
  • Additional security: You can only access your Investment account via secured Online Banking or in person over the counter.

Saadiq JustOne Personal Account-i and Saadiq JustOne Personal Investment Account-i are not insured by PIDM.

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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.