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 85% of your collateral amount
  • Avail facilities at the most competitive rates in the market
  • Markup charged only on the amount utilised and only for the number of days it is utilised
  • Get your financing amount disbursed into your account in 7 working days*

Additional Features

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 your Swift Finance Facility, you get a chance to avail financing from 50% to 85% depending upon the type of instrument you wish to deposit as collateral.

Flexible Markup Payment

You get a chance to choose the frequency of markup payment which suits your personal or business cash flow cycle. We offer quarterly and bi-annual markup payment frequencies to ease the impact on your cash flows.

Easy Access to Cash

With your Swift 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 200+ 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 10 million merchants in more than 160 countries.

Extended Tenor

These facilities are renewed on a yearly basis. So you can literally stretch your liquidity requirements for a whole year.

VISA Shopping Card

Your VISA Shopping Card Plus (VSC+) allows you to make purchases at shopping outlets and withdraw cash at ATMs, with one single card.

24 Hour Banking

Your business doesn't stop, neither do we.

  • 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 5:00 pm from Monday to Saturday. 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 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 a Swift Financing facility. The collaterals against which you can avail financing are mentioned below:

  • Rupee Term Deposits – Up to 85% financing
  • Foreign Currency Term Deposits – Up to 85% financing
  • Government Securities (SSC / DSC / RIC) – Up to 85% financing
  • Financial Guarantees – Up to 85% financing
  • Certificates of Investment issued by Standard Chartered Leasing Limited – Up to 85% financing
  • Certificates of Musharka issued by Standard Chartered Mudarba – Up to 85% financing
  • Term Finance Certificates (Engro Rupiya) issued by Engro Corporation Limited – Up to 65% financing
  • KASB Capital Protected Gold Fund – Up to 65% financing

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


Forget the fear of defaulting if you do not service your monthly payment. We offer you the facilities at the most competitive rates available in the market with the option of servicing markup quarterly or bi-annually (whichever suits your cash flow cycle).

Attached is the demonstration of how much you can save through Swift Finance.

  Compared to Credit Cards Compared to Unsecured Credit
Markup rate 34% 24%
Markup based on PKR 100,000 loan 30,000 24,000
Markup based on PKR 100,000 Swift Financing against Term Deposit 12,500 12,500 **
Savings 17,500 11,500

Through Swift Finance, you can save more than 50% on your annual markup.

* All pricing is based on KIBOR
** markup rates are for demonstration purpose only

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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.