Potential of Secure Lending

  • Unlock the value of existing investments
  • Enhance portfolio returns and hedge risks
  • Improve personal liquidity position with no restrictions


Our Wealth Lending Facility is an overdraft facility obtained against financial assets held with and acceptable to the Bank up to a percentage of their prevailing market value.

  • It is a credit facility that can provide you with greater liquidity by securing against your cash deposits and multiple financial assets held with the Bank.
  • The increased liquidity gives you the option to choose how you would like to use the facility, to explore new investment opportunities or for your personal needs.
  • Allows you the flexibility to choose from a wide-range of currencies including US Dollar (US$), British Pound (GBP) and Euro.


Your available credit limit under this facility will be determined based on a range of factors such as the type of financial assets you use as security together with their prevailing market value and the concentration of the financial assets within your portfolio held with the Bank.

The credit limit available to a Borrower is subject to the Bank’s internal assessment and valuation, and may be reviewed from time to time.
You can borrow against the following asset types*

• Cash Deposits
• Fixed Deposits
• Equities
• Bonds
• Mutual Funds

Wealth Lending Risk Disclosure Terms

Wealth Lending

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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.