An efficient, accessible and convenient way of meeting all your short-term liquidity needs.
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Swift Finance is an efficient, accessible and convenient way of meeting all your short-term liquidity needs. With this, you don't have to liquidate your long-term savings and investments set aside to meet your future financial goals.

Special Features

Take advantage of the salient features available with Swift Finance:

  • Financing up to 90% of your collateral amount
  • Most competitive rates in the market
  • Mark up is charged only on the amount utilised and for the number of days utilised
  • Get your financing amount disbursed into your account in 7 working days*

* Subject to submission of complete documentation and necessary approvals


Competitive Rates

We offer you the most competitive rates in the market. So you earn substantial returns on your investments and avail Swift Finance Facility to balance out your cash needs.

Great Limits

With this facility, you get a chance to avail financing up to 90% of the collateral value, depending on the type of collateral

Quarterly Mark Up Payment

Markup charged daily on amount utilized which is payable on quarterly basis

Easy Access to Cash

With your Swift Finance Account, you do not have to restrict yourself to make or withdraw cash from SCBPL Branches only. Now you can withdraw funds from any of our 150+ ATM machines across Pakistan. You can also use your VISA Debit Card to make purchases directly from your Swift Finance Account. Now you don't need to carry large cash as your VISA Card is accepted by more than 27 million outlets in 160 countries worldwide wherever VISA is accepted.

Extended Tenor

These facilities are renewed annually so you may extend your liquidity requirements for the entire year.

24 Hour Banking

Our free Online Banking service enables you to manage your Swift Finance account 24 hours a day, 7 days a week.

Branch Banking: Standard Chartered has one of the largest networks of online branches in all major cities in Pakistan. Our branch counters are open from

  • 9:00 am to 5:30 pm (Monday to Thursday)
  • 9:00 am to 6:00 pm (Friday)
  • 9:00 am to 1:30 pm (Saturday – applicable for Saturday Open Branches only)

You can deposit and withdraw cash using our Cash Deposit / ATM machines 24 hours a day, 7 days a week.

Phone Banking

With our Phone Banking services, you can avail the following services directly from your Swift Finance Account

  • Balance Inquiry
  • Transactional Details
  • Pay Order / Demand Draft Request
  • Cheque Book Request


To avail the facility, we simply mark lien on your preferred collateral so you may avail Swift Finance facility. The collaterals against which you can avail the financing are mentioned below:

  • Local/Foreign Currency Term Deposit
  • Local/ Foreign Currency Savings Account
  • Government Securities (SSC/DSC)

The approval of facility is subject to terms and conditions & discretion of the Bank’s management.


Below is the demonstration of how much you can save through SWIFT Finance. Through SWIFT Finance, you can save more than 50% on your annual markup

    Compared to Credit Cards Compared to Unsecured Credit
A Mark up Rate* 39% 23%
B Markup based on PKR 100,000 loan 39,000 23,000
C Mark up based on PKR 100,000 SWIFT Finance* 9,290 9,290
D Savings through SWIFT Finance (B-C) 29,710 13,710

*Mark-up rates are for demonstration purposes only and may vary based on prevailing KIBOR and spread

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111 002 002

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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. Compliants 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.