FAQs

    • Saadiq Term Account seems to be very similar to Fixed Deposit. What are the differences?

      • Saadiq Term Account is Shariah compliant
      • It is based on the principle of Mudaraba, profit from Islamic Assets will be paid to the customer, and will be based on profit rates announced monthly
      • No overdraft facility is available on Saadiq Term Account
    • What is the account prefix of Saadiq Current Account/Saadiq Savings Account?
      Saadiq Current Account – The prefix is '01'
      Saadiq Saving Account – The prefix is '18'

    • What kind of charges can the Saadiq Saver customer possibly be subjected to and in what situations?
      A fall-below fee PKR 50 will be levied if minimum balance is not maintained in Saadiq Savings Account. Other charges apply as per the Services & Price Guide.

    • How can a customer apply for Saadiq deposit products?
      Saadiq Current Account, Saadiq Savings Account and Saadiq Term Account – New to Bank customers – Using the Account opening form, tick 'Saadiq Current', 'Saadiq Savings' in the account type field. Saadiq Term Account – existing customers – Using the Saadiq Term Account Services form.

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Disclosure / Announcement

This is with reference to the charge of Re 1 per USD on foreign transactions being levied on all Standard Chartered Saadiq Credit Cards. In order to comply with the Shariah guidelines, we have removed this particular charge from Schedule of Charges for the period January to June 2012.

The removal of the above charge from the system will require further development, which will be completed by June 2012. Therefore, till such time, these charges will be reflected in the card statement, however, the Bank will be reversing these charges to customers based on the transactions as per record.

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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.

Disclaimer

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.

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