Online Banking

About the Service
  • What is Standard Chartered Online Banking?

    A simple, hassle-free and secured Internet banking services that allows Standard Chartered customers to perform banking transactions through the Internet anywhere and anytime of the day.

  • What are the benefits for using this service?

    We have recently enhanced our Internet banking to serve you better. You can now enjoy the new features and benefits:

    • Easy funds transfer locally and internationally
    • Enhanced eStatements with email alerts
    • Instant opening of SGD or FCY current and time deposit account online
    • Update your personal particulars in just a few clicks
    • Enhanced experience with:
    • intuitive navigation shortcuts
    • personalized account options
    • simpler and faster transaction flow
    • customizable username and password
    • Consolidated online payment and transfer history
    • Instant Internet PIN application/ activation
    • Greater security with 2FA via SMS and Tokens

  • Are the services available 24-hours?

    Yes. This service is available 24 hours a day, 7 days a week. However, we do conduct periodical maintenance on our servers to ensure that they are at optimum operational efficiency.

  • Can I access the service from overseas?

    Yes. As long as you have access to the Internet with the recommended Internet browser, you will be able to access the service.

Application For the Service
  • Who can apply for this service?

    Individuals: To use this service, you must have at least a transactional, investment, card or loan account with Standard Chartered Bank (Singapore) Limited.

    Companies: you must have at least a transactional, investment, card or loan account with Standard Chartered Bank (Singapore) Limited.

    Please call 1800 747 7000 for more information and instant application.

  • How do I apply for this service?

    For instant PIN application and activation, please call our Customer Service Officer at 1800 747 7000.

  • What do I need in order to use this service?

    In order to login and perform the secured transactions, you need to have an active mobile phone through which you can receive your Temporary Password and Additional Logon PIN (ALP) SMS messages.

  • Can I use this service immediately after application?

    Yes. Upon receiving your Internet Banking Temporary ID and Temporary Password, you can start using the service right away.

  • Do I have to pay using this service? / Is there extra charge for this service?

    There is no extra charge for using this service.

  • How can I update my mobile phone number?

    You can visit any of our branches or simply call Customer Service Officer at 1800 747 7000 for instant update.

First Time Login (New Customers)
  • What should I do when accessing the Internet Banking service for the first time?
    1. Ensure that you have a PC with the required configuration.
    2. Ensure that you have received the Internet Banking Temporary ID either our Phone Banking agent or Branch, depending on how you registered.
    3. Make sure that you have received your Temporary Password via SMS or PIN Mailer based on your preference.
    4. Visit Standard Chartered Bank (Singapore) Limited website at http://www.standardchartered.com.sg/. Select "Login to Online Banking".
    5. Once you see the Login Page, click on 'First time login or re-registration' link. Proceed to accept Terms and Conditions.
    6. At First Time login Page, Key in your Temporary ID and Temporary Password.
    7. Upon successful authentication, you will need to create a new username and password.
    You will no longer require your Temporary ID and Temporary Password after successful creation of your username and password. The Temporary ID and Temporary Password are only required during first-time login or re-registration.

  • What is an Internet Banking Temporary ID?

    Temporary ID is a 10-digit number issued to each registered customer. This number is used for the purpose of identifying our customers when activating their Internet Banking service online. For the enhanced Internet banking, we no longer use the NRIC/ Passport of the customer as the default User ID.

  • What is a Temporary Password?

    Temporary Password is a random 6-digit number generated during registration. This is the PIN whereby you use to logon to our Internet Banking together with your Temporary ID. This PIN is unique to each customer for the purpose of first time activation or login.

  • How will I receive the Temporary Password?

    There are 2 methods through which the Temporary Password is provided to the customer:

    • SMS directly to customer's registered mobile phone - Instant upon registration
    • PIN Mailer directly mailed to customer - 3 to 5 day

  • Is there an expiry date for the Temporary Password?

    The SMS Temporary Password normally expires within 5 days. Your SMS messages will indicate the expiry date. You will need to activate your Internet Banking service within this period. If your Temporary Password has expired before you are able to activate our service, please contact our Service Consultants for a replacement Temporary Password. To avoid confusion, we encourage you to delete the SMS from your mobile phone when the Temporary Password has been successfully keyed-in to Internet Banking and accepted.

  • Can I use my ATM PIN to log in or use my Phone Banking PIN?

    No, your Internet Banking Temporary ID, Temporary Password and ALP are unique to the Internet Banking service.

Login For Existing Customers
  • What happens when my ID is invalid?

    You need to re-apply for a new set of ID and PIN. Kindly contact our Service Consultants at 1800 747 7000 for your replacement.

  • Can I change my PIN?

    Yes, you may change your PIN, using the 'Change Password' service, anytime to ensure security.

  • What should I do if I suspect that my PIN has been stolen or exposed to others?

    If you suspect that your PIN has been stolen or exposed to others, please call our Customer Service Hotline at 1800 747 7000 to terminate the PIN immediately. The Bank will issue you a new set of ID and PIN.

  • Will my access be locked after multiple unsuccessful attempts? How can I get it unlocked?

    To protect your accounts, your access will be locked after 3 unsuccessful attempts. You can have it unlock by calling our Customer Service Officer at 1800 747 7000 or by visiting any of our branches.

Account Information and Services
  • Can I see a summary of my accounts?

    Yes. You can see a summary of your accounts at the Overview Homepage once you have login to our Internet Banking.

  • Can I view the transactions belonging to my accounts?

    Yes, just click on "Transaction History" and select the individual account for transaction details.

  • Which of my personal accounts can I view online?
    • Singapore Dollar Deposit Account
    • Foreign Currency Deposit Account
    • Investment Account
    • Loan Account
    • Overdraft Account
    • Credit Card Account
  • How far back can I view my transaction history?

    You can view transactional history up to 60 days for deposit and overdraft account, 1 year for loan account and last 3 statements for credit card account.

  • Can I download and save my account information and latest transactions?

    Yes. You can select your latest transaction or historical transactions that you wish to keep and click on the 'Download CSV file' button to save the information on the excel spreadsheet for your tracking.

  • Can I view my company/business accounts online?

    Yes. You can view your corporate deposit and loan accounts only. Trade accounts are currently not available online.

  • What is the minimum deposit requirement for opening a Cheque & Save account?

    The minimum deposit for opening a Singapore dollar Cheque & Save account is SGD 5000. Whereas the minimum deposit for opening a foreign currency account is USD 5000 or equivalent. It is applicable only to personal accounts.

  • What is the minimum deposit requirement for opening a Time Deposit account?

    The minimum deposit for opening a Singapore dollar Time deposit account is SGD 5000 (for individuals only). Whereas the minimum deposit for opening a foreign currency Time deposit account is USD 5000 or equivalent (for individuals only).

  • What are the various services available?
    Services Availability
    Account information
    Account Balance Enquiry*
    Credit cards Enquiry
    Loan Enquiry*
    24 hours a day, 7 days a week
    Funds Transfer & Payments
    Fund Transfer between Own Standard Chartered Accounts*
    Fund Transfer to Third Party Standard Chartered Accounts*
    Interbank Fund Transfer
    Bill Payment
    International Fund Transfer*
    eCashier's Order
    Card Payment
    Loan Payment - only available in May 08
    24 hours a day, 7 days a week
    eStatements*
    View eStatements
    eStatements Subscriptions
    eStatements Settings
    24 hours a day, 7 days a week
    Preferences*
    Language settings
    Limit Management
    Account personalization
    24 hours a day, 7 days a week
    Account Opening
    Time Deposit Account
    Cheque & Save Account
    Services are only available from 9:00am to 6:00pm, Monday to Friday, and 9:00am to 1:00pm for Saturday.

    Application

    Accounts



    • E$aver
    • Priority Banking
    • New Cheque Book Request*

    Credit Card



    • Credit Card Application
    • Supplementary Credit Card Application
    • Card Permanent Limit Increase
    • Card Bill Dispute

    Loans



    • Housing Loan
    • HDB EasyLoan Indicative Valuation Service
    • Housing Loan Service Request
    • Personal Loan

    Insurance



    • General & Life Insurance
    • Travel Protector

    Transfer*



    • Interbank GIRO Request
    • Remittance Request

    SME (For SME customers only)




    • Other services
    • Fax and courier services
    • Credit application
    • Change Company address

    Personal*



    • Change of Personal Particulars
    24 hours a day, 7 days a week
    Rates Enquiry
    • E$aver Deposit Rate
    • Time Deposit Rate*
    • Savings Deposit Rate*
    • Cheque & Save Deposit Rates
    • OneAccount Deposit Rate
    • XtraSaver Deposit Rate
    • Foreign Exchange Rate
    • Lending Rate
    24 hours a day, 7 days a week
Funds Transfer
  • What kind of funds transfer can I do in this service?

    You can transfer funds between your own Standard Chartered accounts, to 3rd party Standard Chartered accounts and to any GIRO participating bank accounts.

  • Do I need to pre-register 3rd party payee before I can use the funds transfer facility?

    Yes, you will need to pre-register the 3rd party accounts or the GIRO participating bank accounts online before you can make a 3rd party or Interbank funds transfer.

  • How do I pre-register my 3rd party Standard Chartered accounts and other bank's accounts online?

    To register any 3rd party accounts for funds transfer, you will need to indicate your customer reference, which include Payee Bank Code/Name, Payee Branch Code, Payee Account Number and Payee Name. Simply add 3rd party fund transfer payee in '3rd party Funds Transfer/ Bill Payments' under 'Payments & Transfers'.

  • How long do I need to wait after I have pre-registered the accounts before I can transfer my funds?

    Once the account(s) has been successfully registered, you may proceed to transfer funds immediately.

  • Can I remove the payee accounts, which I no longer need or registered incorrectly online?

    Yes. Simply select the 3rd party payee from the existing payee list and click 'Remove'.

  • How many payees can I add in Internet banking?

    There is no limit to the number of payees you can add.

  • When will the funds be available in the receiving account after I make Fund Transfer to accounts within Standard Chartered?

    Funds transfer to other Standard Chartered SGD accounts will take effect immediately after the transaction.

  • When will the funds be available in the receiving account after I make Interbank fund transfer?

    Funds will usually be available to payee in 2 to 3 business days later, subjected to the receiving bank. However, the amount will be debited from your Standard Chartered account on the same day for immediate transfer. It is advisable you make allowance and pay 1 business day before the due date to cater for any unforeseen delays.

  • How do I know if my Interbank Fund transfer is successful?

    The successful transfer will be reflected in your month-end statement. However, should the fund transfer transaction is unsuccessful, you will receive a credit advice from the bank to notify you of the Interbank GIRO returned item.

  • When will I get back the funds when my Interbank Fund transfer is not successful?

    If the Interbank Fund transfer is rejected, the transferred amount should be credited back to your account by the payee bank on the third business day.

  • Is there a maximum limit on the amount of funds I can transfer?

    For transfer of funds between your own accounts, you can transfer up to the available balance in the account.

    For transfer of funds to 3rd party Standard Chartered accounts, you can transfer up to your current personalized daily limit. For all new customers using the Internet Banking starting Mid April 08, will get to enjoy the new revised default limit of SGD 20,000 for personal customers. If you wish to increase the daily transfer limit, simply log in to Online Banking, go to ‘My Preferences’ and update the limit under ‘Online Security & Limits Maintenance’. The maximum daily limit allowed is SGD 100,000.

  • Can I lower the maximum daily limits for 3rd party Funds Transfer and subsequently increase it online?

    You can lower the daily limits anytime, via to reduce your daily transfer limit. Simply log in to Online Banking, go to ‘My Preferences’ and update the limit under ‘Online Security & Limits Maintenance’. The maximum daily limit allowed is SGD 100,000.

  • What are the transfer modes available in this service?
    • Immediate Fund Transfer
    • Post dated (one-time transactions at a specified future date) and
    • Scheduled transfer (recurring transactions at a specified day of the month)
  • Can I maintain my Post-dated or Scheduled funds transfer instructions?

    You can delete any of your Post-dated or Scheduled Fund Transfer instructions before the effective date. Your scheduled instructions will be processed in early morning of the effective date.

  • Can I do a foreign currency transfer via Internet Banking?

    Yes, you can do a cross currency transfer using our fund transfer facility or using the 'International Fund Transfer' for telegraphic transfers.

  • If a fund transfer was made on a public holiday, when will the funds be available in the receiving account?

    Transactions done on public holiday/ non-business day will be processed on the next working/business day.

Bill Payments
  • What is Bill Payment?

    Bill payment is a free service that allows you to make payment to any of our participating billing organizations.

  • What are the advantages of paying bills online?

    Paying bills online saves you the hassle of writing cheques and queuing at the branch. What's more, you can avoid late payment charges as you can do an immediate payment and set a future date or scheduled recurring instructions for your bill payment.

  • Who can use this bill payment service?

    As long as you have a SGD savings, current or Cheque & Save account (for debiting of payment) and the bill reference number, you can use this service to pay your bills.

  • Who can I pay to?

    You can pay bills to any of our 203 participating billing organizations. To find out more, logon to our Internet Banking now. Look out for more participating billing organizations as we are constantly enhancing our bill payment service.

  • How do I know my bill reference number?

    Your bill reference is provided by the billing organization, and is usually the account/card number printed on your payment/invoice slip. If you are unsure, please kindly check with your respective billing organization.

  • How do I add new billing organizations that I wish to pay?

    You will need to do a one time initial set up to add the billing organization that you wish to make payment to. Simply go to 'Payments/Transfers' and click on 'Add a new bill payment payee' under '3rd party Funds Transfer/ Bill Payments'. All you need to do is to select the billing organization that you wish to set up and enter the billing reference and click on 'Confirm new payee details'.

  • How do I know that my bill payment transaction is successful?

    The successful bill payment transaction will be reflected in your next billing statement with the respective billing organizations. You can also enquire your post-dated bill payment instructions for the upcoming 90 days and status of the previous transactions of up to 90 days at the 'Payments/Transfers History'.

  • How long will it take for the billing organization to receive the bill payment?

    Please allow at least 2 to 3 days from the day of your payment date for the payee to receive your payment. Customer should be advised to pay 3 working days in advance to allow sufficient time for processing.

  • Can I set a future date or scheduled instruction for my bill payment?

    Yes, you can do an immediate payment, set a future date or schedule a recurring instruction for your bill payment. However, if you are setting a future date or scheduling a recurring instruction, please ensure that you have sufficient funds in your account, as your account will be debited on the day of payment.

  • What happen if there is insufficient fund in my account?

    You need to ensure that sufficient funds are available by the effective due date as your account will be debited on the effective due date. Should there be insufficient funds in your account, your payment instruction will be rejected.

  • Can I delete my Scheduled Payment instruction?

    Yes, you can delete your Scheduled Payment instructions one business day before the effective due date.

International Funds Transfer
  • What is International Funds Transfer?

    International Funds Transfer is a service offered by the bank to allow users to do telegraphic transfer across borders.

  • How does the International Funds Transfer works?

    You will have to first add an international fund transfer beneficiary by filling in the required details of the payee. Funds can then be transferred to the beneficiary.

  • What are the advantages of doing International Funds Transfer online?

    Online International Funds Transfer has the following advantages:

    • You can perform the fund transfer at any time of the day and any where across borders
    • Save the hassle of queuing at the branch
    • Enjoy lower fees and charges when you perform international funds transfers online

  • Do I have to pay for using this facility? Is there extra charge for this facility?

    The fees and charges are as follow:

    Non-Online

    • Handling commission - 1/8% min SGD30/USD20; max SGD100/USD70
    • Commission in lieu - 1/8% min USD10; max USD700
    • Cover cable - SGD20/USD15
    • Overseas bank charges - SGD50 equivalent

    Online

    • Handling commission - 1/16% min SGD15/USD10; max SGD50/USD35
    • Commission in lieu - 1/16% min USD5; max USD350
    • Cover cable - SGD20/USD15
    • Overseas bank charges - SGD50 equivalent

    Please click here for the detailed Pricing Guide.

  • Is the foreign exchange rate displayed online the actual rate applied for the International Funds Transfer?

    The foreign exchange rate displayed online is only indicative and it does not represent the actual rate that takes effect on your International Funds Transfer. The exchange rate is subjected to the Bank's prevailing exchange rate as of the date and time of processing.

    *Note - Due to fluctuating market conditions, the foreign exchange rate that appears on the application may differ from the actual rate applied to process the transaction.

  • Is there a limit to how much I can transfer daily?

    Yes, all online telegraphic transfers are subjected to a daily limit of SGD 100,000.00 or equivalent.

  • When will my transaction be processed?

    The cut-off times for processing International Funds Transfers are as given below:

    CURRENCY OF REMITTANCE CUT-OFF TIME (MONDAY TO FRIDAY)
    AUD 10:00am
    CNY 3:00pm
    HKD 3:00pm
    JPY 10:00am
    NZD 10:00am
    THB 11:00am
    SGD 5:00pm
    Other currencies 6:00pm

    Transactions submitted after the cut-off time or on public holidays, Saturdays and Sundays will be processed on the next business day.

  • Can I track my transaction status?

    You can check your debiting account to verify that the transaction has been completed. Alternatively, you can check under your transfer history to see whether the transaction has been successfully processed. The bank will also send you a debit advice once the transaction is effected successfully.

  • When will the amount be debited from my account?

    The amount will be debited from your account only upon completion of the processing by the Bank.

  • When will the beneficiary receive the funds?

    The funds will reach the beneficiary approximately 2 to 3 days later depending on when the beneficiary's bank releases the funds.

  • Can I cancel an International Fund Transfer request?

    Once the request application has been submitted successfully, you will not be able to cancel the transfer.

  • Who should I contact if I need assistance?

    Please contact our customer service consultant at 1800 747 7000 for assistance.

eCashier's Order
  • What is eCashier's Order?

    eCashier's Order is an online facility that allows you to order a cheque with just your Payee's name and postal address and we will print and mail the Cashier's Order on your behalf.

  • How does eCashier's Order work?

    Simply enter the name and address of the person you wish to pay via Standard Chartered Internet Banking. Upon receipt of the Cashier's Order, your Payee can then deposit the Cashier's Order in any Singapore bank of their choice, the same way as depositing a normal paper cheque. The Bank will then print the cheque and mail it on your behalf.

  • What are the advantages of eCashier's Order? Why should I choose this facility?

    Using the eCashier's Order facility has the following advantages:

    • A Chequebook is not required to send paper cheques.
    • You can issue Cheques anywhere and anytime via the Internet.
    • Ordering Cheques online is more cost-effective than ordering them at a branch.

  • Do I have to pay for using this facility?

    Currently, there is no charge for this service.

  • Who can I pay using this facility?

    You can pay anybody with a postal address and a bank account within Singapore.

  • Can I pay my bills using eCashier's Order?

    Yes, these Cheques can be addressed to any individual or organization.

  • Which of my accounts can I use for issuing an eCashier's Order?

    You can use any of your current, saving or e$aver accounts to send an eCashier's Order.

  • Is there a maximum limit of the payment amount?

    The available limit for cashier's order depends on the customer's available funds in the debiting account.

  • When will the amount be debited from my account?

    The amount will be immediately debited from your account upon completion of the processing by the Bank.

  • How will the Cheque be delivered to the payee?

    Standard Chartered Bank (Singapore) Limited will print the Cashier's Order and send it with the remittance slip via Singapore Post.

  • How can I track the status of my eCashier's Order?

    If the application is submitted successfully, the status of the transaction will indicate "Submitted". Once it is been processed, the status will be reflected as "Successful" or "Rejected" under the Payment & Transfer History.

  • How long will it take for the Cheque to be delivered to the payee?

    It will take 5 working days from submission to reach payee by post.

  • How secure is this facility?

    Standard Chartered has ensured that this facility is very secure. It is only possible to send a eCashier's Order to Payees registered using our 2-factor authentication system, i.e. ALP (Additional Login PIN). This provides additional security for our customers. The paper Cashier's Order can only be deposited into a bank account bearing the Payee's name.

  • What should I do if the payee does not receive the Cheque?

    You can inform the Bank to stop payment of the eCashier Order.

  • How can I cancel a request to eCashier's Order?

    The Cashier's Order can only be cancelled if the payee has not deposited the cheque. By submitting a cancellation request, you have agreed to indemnify the Bank for any claims made by the Payee against the Bank. The prevailing charges still apply (currently waived) and it may take up to two working days for a refund.

  • Who should I contact if I need assistance?

    Please contact our customer service consultant at 1800 747 7000 for assistance.

Credit Card Services
  • What are the card services available online?
    • Cards Balance enquiry
    • Cards Details
    • Cards Transaction History
    • Cards Payment
    • Cards Applications
  • How do I view my credit card statement?

    You can view your current Standard Chartered Credit Card latest statements and previous 2 months card statements online. All you need to do is to click on 'Transactional History' under 'Cards' and key in the period of the transactions you want to view.

  • How do I pay my credit card(s) online?

    You can make payment to your Standard Chartered Credit Card bills via immediate, future transfer or scheduled payment mode.

    To pay for your personal credit cards, simply click on 'Card Payment' under 'Payments/ Transfers' and select the card you wish to pay. You have the options to pay Outstanding, Minimum or Full amounts. You can change the payment to any amount after you have selected any of the 3 options.

  • Can I pay a 3rd party Standard Chartered Credit Card?

    Yes, you can pay a 3rd party Standard Chartered credit card. To pay for a 3rd party credit card, simply go to '3rd party Funds Transfer/ Bill Payments' under 'Payments/ Transfers' and add a new bill payment payee. Click on 'Standard Chartered cards' from the list of merchants and fill in your payee's credit card information. Once you successfully submitted your payee's information, you can pay bills via immediate, future transfer or scheduled payment mode.

  • How do I pay other bank's credit cards?

    You can pay other bank's credit card bills using our eCashier's Order facility.

  • When will my credit card account be updated?

    Your credit card account will be updated the next working day of the payment date.

  • Can I increase my credit card limit online?

    You can download the application form online, however, you will need to mail the form back to the Bank.

Loans Services
  • What are the loan services available online?
    • Loans Balance enquiry
    • Loans Details enquiry
    • Loans Payment - Available in May 08
    • Loans Applications
  • Can I view my Loans statements?

    You can view your last one-year statement online.

  • How do I pay my Loans online?

    This service will be made available only in May 08.

Personalization

Personal information maintenance

  • Can I change my personal details through Internet Banking?

    Existing Bank customers can perform personal information maintenance to update their personal particulars and set up personalized options for accounts.

Personalization

  • How can I personalize my Internet Banking accounts?

    The personalization feature allows customer to personalize the following:

    • Nicknames for accounts/cards/loans
    • Rearrange display of accounts to your preferences
    • Lower daily transfer limit for 3rd party fund transfer and bill payments.
    • Adjust the language setting accordingly to your preference
    • Sort your account sequence

  • What is the Mail Box use for in Internet Banking?

    The Mail Box is a feature in our Internet Banking that allows you to retrieve any messages that the Bank sent to you. The mailbox is also used to notify you of any processing errors for your transactions or instructions. It is recommended that you check your mailbox regularly.

  • Can I use the Mail Box to send email to my friend?

    No, the Mailbox is only for communication between you and Standard Chartered Bank (Singapore) Limited. For security reasons, we do not accept any instructions relating to financial transactions through the mailbox.

  • Can I delete messages from the mailbox?

    Yes, you can delete messages from the mailbox.

Rates Enquiry
  • What types of rates can I view through Internet Banking?
    • ESaver Deposit rate
    • Time Deposit rate
    • Saving Deposit rate
    • Cheque and Save Deposit rate
    • OneAccount Deposit rate
    • Xtrasaver Deposit rate
    • Foreign Exchange Deposit rate
    • Lending rate
Applications
  • What services can I apply through Internet Banking?

    You can apply for loans, insurance, new accounts, priority banking, new cheque book, interbank GIRO and remittance request, and credit card applications.

    Retail Customer SME Customer
    Housing Loan New Cheque Book Request
    HDB EasyLoan Indicative Valuation Service Interbank GIRO Request
    Housing Loan Service Request Change of Personal Particular
    Personal Loan Fax and Courier Services
    Insurance Credit Application
    Travel Protector Change Company Address
    eSaver Account Opening Request  
    Priority Banking Information Request  
    New Cheque Book Request  
    Interbank GIRO Request  
    Credit Card Application  
    Supplementary Credit Card Application  
    Card Permanent Limit Increase  
    Card bill Dispute  
    Change of Personal Particular  
Hardware and Software (System Requirements)
  • What hardware and software do I need for using this service?

    Minimum Hardware Requirement Minimum Software Requirement
    PC with Pentium 166 MHz processor or higher Microsoft Windows 95/98/NT/2000/XP operating system
    32 MB RAM or higher Google Chrome version 44 and above
    minimum, 800 x 600 screen resolution SVGA or higher resolution monitor, 256 colours Mozilla Firefox version 38 and above
    Modem of 56kbps or higher Safari Version 8 and above
      Microsoft Internet Explorer Version 10 and above

  • How do I know the version of the browser I'm using?

    If you are using any of the following browser:

    Google Chrome Internet Explorer
    Click on [Settings]
    Click on [About]
    Click on [Help]
    Click on [About Internet Explorer]
    Safari Mozilla Firefox
    Click on [Safari]
    Click on [About Safari]
    Click on [Help]
    Click on [About Mozilla Firefox]

  • What should I do if I use a browser whose version is older than the recommended one?

    You need to install the required browser before you access our Online Banking service. You may find more information on this at the following public websites:

  • What display setting should I use for this service?

    Our website is optimized for view with screen resolution of 1024 x 768.

  • I'm a Macintosh user; will I be able to access this service?

    You can now enjoy a new experience with the same convenience by logging-on to Standard Chartered Online via Safari browser on a Macintosh.

Security
  • How secure is this service?

    This service employs the 128-bit Secure Socket Layer (SSL), which is one of the strongest encryption technology most commonly used by large-scale online merchants, banks, and brokerages worldwide. For transaction level security, this service employs "Two-Factor Authentication" to verify customer identity. All online sessions between you and the bank are protected by up to 128-bit encryption, which best protects your information against disclosure to third parties.

  • What is encryption and how is it used to protect my information?

    Encryption is a method of scrambling your information to protect its transmission across the Internet. Encryption transforms data into an unreadable form, and decryption reverses that process. Both encryption and decryption require the use of a special code, usually referred to as 'encryption key'. The encryption of data provides a strong degree of protection against tampering while data is moving through the Internet.

  • How do I activate Secure Socket Layer (SSL) Version 3.0?

    If you are using any of the followings:

    Netscape Communicator 4.7x Internet Explorer 5.x
    Click on [Communicator]
    Select [Tools] follow by [Security Info]
    Click on [Navigator]
    Check [Enable SSL (Secure Socket Layer) v3] Click on [OK]
    Click on [Tools]
    Select [Internet Options]
    Select [Advanced] Tab
    Scroll down to [Security]
    Check [Use SSL 3.0]
    Click on [OK]

  • What are cookies and how are they used for this service?

    A cookie is information that a website puts on your hard disk that it can remember something about you at a later time. This mechanism allows the server to store its own information about a user on the user's own computer. We do not use cookies for this service.

  • What precautions should I take for this online banking service?

    Besides maintaining the confidentiality of your Temporary ID and Temporary Password, you should take the following precautions:

    • DO NOT reveal your ID and PIN to anyone, write down or use it where someone else can see.
    • Change your PIN immediately, using the 'Change Password' service, if you suspect it has been revealed.
    • DO NOT use easily recognized numbers such as your NRIC, telephone number etc. as your PIN.
    • REMEMBER TO LOG OUT of the system and close your browser whenever you leave your computer, even for a short while.
    • Clear your browser's cache on a regular basis so that your account information is removed. This is particularly important if you are using a shared PC. You should clear it after each session.
    • Always use the latest recommended Internet browser so that you are using the most updated security features available.
    Call us at 1800 747 7000 immediately if you notice any unusual transactions on your account.

  • How to safeguard and protect your Password?
    • Do not choose a Password that is easily identifiable such as your user ID, personal telephone number, birthday or other personal information etc.
    • Avoid using sequential numbers (such as 123456) or same number more than twice (such 123226) for your Password.
    • PIN must be kept confidential at all times and not be divulged to anyone. Do not reveal your PIN to anyone.
    • PIN must be memorized and not be recorded anywhere. Do not write down your PIN or use it where someone can see.
    • Change your PIN immediately if you suspect it has been revealed.
    • Change your PIN regularly. You can change your PIN anytime under 'Change Password'.
  • What precautions should I take when using shared/public PCs for this service?

    We strongly recommend you not to conduct your Internet Banking transactions on such PCs unless you are sure that it is safe to do so. Please clear browser cache after each session so that your account information is removed from such PCs.

  • What should I do if I suspect there are unauthorized transactions on my account?

    If you suspect there are unauthorized transactions on your account, please report to our Customer Service Hotline immediately at 1800 747 7000. Please provide details such as your name, account number transaction type, date & time of transaction, description of error and amount involved.

    You may want to take note of your last log in date and time, as indicated at the Personal/ Company Homepage, each time you log in to the service.

Troubleshooting
  • What can I do if my Internet Explorer frequently hangs?

    You can try the following ways to remove unnecessarily add-ons:

    Internet Explorer 5.x
    Click on [Tools]
    Select [Manage Add-ons]
    Disable unnecessarily add-ons but leave Sun Java Console enable

  • What should I do if I am not able to perform any financial transaction?

    Ensure that you are using one of the recommended browsers. If you have encountered problems logging, please call our Customer Service Hotline at 1800 747 7000.

  • This problem has performed an illegal operation...

    This is commonly known as GDP (General Protection Fault). This is an error that happened at your PC. You have to restart your browser usually. Sometimes you may need to restart your PC. If the problem persists, please consult your PC vendor.

  • What should I do if I do not get a response after clicking on a hyperlink or icon?

    Sometimes, the Internet becomes unavoidably slow to respond. If there is a delay in response from when you have clicked something, please wait. Avoid clicking repeatedly on a particular link.

  • Who can I call if I have any problem or enquiry in using this service?

    Please call our Customer Service Hotline at 1800 747 7000. Kindly note down the error code or message if any and refer it to the Customer Service Officer for investigation.

  • How to clear cache?

    Please refer to [HELP] contents if you are using browser of the other versions.

    Netscape Communicator 4.7x Internet Explorer 5.x
    Click on [Edit]
    Select [Preferences]
    Select [Advanced]
    Select [Cache]
    Click on [Clear Memory Cache] and [Clear Disk Cache]
    Click on [OK] & restart browser
    Click on [Tools]
    Select [Internet Options]
    Select [General] Tab
    Click on [Delete Cookies] button and click on [OK]
    Click on [Delete Files] under [Temporary Internet Files] section
    Check [Delete all offline content]
    Click on [OK] & restart browser

Standard Chartered Mobile

See
  • I notice there are See and Move tabs in Standard Chartered Mobile . Tell me more!

    See and Move are just two of Standard Chartered Mobile 's cool features designed to simplify your banking experience. See is where you can view your bank accounts and their transaction history, while Move is where you can make fund transfers and payments. No jargon, just simplicity and efficiency.

  • What are the differences of transactions in See and Move?

    • See (My Transactions and List) lists out the transactions that have already been posted to your accounts and forward-day transactions that you set via Online Banking and Standard Chartered Mobile .
    • Move (See My Transfer History) lists out the transfers and payments you have scheduled/made via Online Banking and Standard Chartered Mobile and their status.
  • How far back can I see my transaction history in See?

    Deposit accounts, MOA accounts, Standard Chartered credit cards, loan accounts and mortgage accounts - 90 days. MANHATTAN cards - upto last 2 months' statements and billed transactions.

    From 1st login day to 30th login day, deposit account and MOA account transaction history for past 30 days will be available. Transaction history will be accumulated on daily basis from 31st login day onwards. A maximum of 90 days transaction history will be available.

    Note:

    • Credit card/Debt Securities/Unit Trusts account balances and transactions are up to the previous working day. Securities account balances are up to the previous 3 working days.
    • HKD balances for foreign currency accounts and investment accounts are for reference only.

  • Why some of the transactions I made using Online Banking/Standard Chartered Mobile are not in See?

    Transactions made with your deposit accounts after 11pm or on holidays will be shown on See from the following business day. Balance in corresponding Standard Chartered deposit account(s) will be updated immediately.

    Payments to/from your credit cards will be shown on See after 1 or 2 business days.

Move
  • I notice there are See and Move tabs in Standard Chartered Mobile . Tell me more!

    See and Move are just two of Standard Chartered Mobile 's cool features designed to simplify your banking experience. See is where you can view your bank accounts and their transaction history, while Move is where you can make fund transfers and payments. No jargon, just simplicity and efficiency.

  • What are the differences of transactions in See and Move?

    See (My Transactions and List) lists out the transactions that have already been posted to your accounts and forward-day transactions that you set via Online Banking and Standard Chartered Mobile .

    Move (See My Transfer History) lists out the transfers and payments you have scheduled/made via Online Banking and Standard Chartered Mobile and their status.

  • Will the payees that I've added in Online banking show up in Standard Chartered Mobile too?

    Yes, they will.

  • How do I remove a payee?

    You cannot remove payees through Standard Chartered Mobile . You can sign into your account through online baking and remove the payee through there.

General
  • What username and password do I use?

    You can use your existing online banking username and password to log in. We've made sure, for simplicity and convenience, that you don't have to remember another set of username and password to use Standard Chartered Mobile .

    If you don't have an online banking account, you can register instantly on your desktop/laptop computer at SC Online Banking.

  • What can I do with Personalize?

    Standard Chartered Mobile is all about you so naturally, you can personalize your Standard Chartered Mobile experience by changing the names and icon used to represent your bank accounts.

eStatements

  • What is eStatements?

    eStatements is an electronic version of your account statement delivered directly to your email address or you can view it on your Online Banking.

  • How much does the eStatements service cost?

    There is no fee to enroll or use the eStatements service.

  • Can I access the eStatements any where in the world?

    As long as you have access to your Online Banking or email, you will be able to retrieve your eStatements.

  • How often do I receive my updated eStatements?

    eStatements are updated on monthly basis. If you wish to view more updated transactions records, you can view them from 'Transactional History' of that particular account.

  • Can I change my subscription of my paper statements to eStatements via Internet Banking?

    Yes, you can change your subscription from paper statements to eStatements. Simply go under 'eStatements' located on the left navigator and select 'Subscriptions'.

  • Can I view my past eStatements online?

    eStatements is archived for 12 months from the last 12 months eStatements.

SMS Banking

  • What does SMS mean?

    SMS stands for Short Message Service, also known as text messaging. This allows you to send and receive short messages from their mobile. The messages can contain up to 160 characters.

  • What is Standard Chartered SMS Banking?

    It is a new service designed for customers who are constantly on the move. With SMS Banking, you can enquire about your account and credit card information via short text messaging.

  • How does SMS Banking work?

    Customers need to compose and send an SMS to Standard Chartered Bank (Singapore) Limited in a pre-defined service code in the following format:

    BE < space > < last 4 digits of your bank account number >

    The Bank will then process your request and send the results to you via SMS.

  • What are the various service codes available?

    The service codes currently available are:

    • BE - Balance Enquiry
    • TE - Transaction Enquiry
    • CB - Cheque book Request
    • CE - Credit card Minimum payment due and Due Date
    • HL - Help (please note this does not require your last 4 digits of your bank account)

    Eg. To check your account balance and the last 4 digits of your bank account are 4545, simply send an SMS with 'BE 4545' to 75722. An SMS will then be sent to you displaying your account balance.

  • How long does it take to receive a reply SMS from Standard Chartered?

    It depends on how busy the network is. It also depends on the telco network and reception. There may be delays due to a high volume of traffic on special occasions, e.g. New Year and Christmas.

  • Is it safe and secure?

    Yes, this service is secure. You will first have to register for this service and ensure your latest mobile number is updated with the Bank. Your mobile number will then be linked to your individual account(s). Please note that at this moment, the service is restricted to enquiry functions on accounts with Standard Chartered and it is not applicable for funds transfer between accounts or credit cards. The service is restricted to enquiry functions on accounts with Standard Chartered and it is not possible to transfer funds out of your accounts and cards.

  • What happens if I lose my phone?

    Please call the Bank immediately at 1800 747 7000 or +65 6747 7000 (for overseas customers), and we will disable access to the SMS Banking service. Please inform the Bank once you have resumed your mobile phone service and we will re-activate the service for you.

  • Is SMS Banking available to all Standard Chartered customers?

    SMS Banking service is open to all customers holding current, savings or credit cards with personal or joint-alternate account relationship with Standard Chartered Bank (Singapore) Limited.

  • How can I register for the service?

    You can register through our Online Banking website at http://www.standardchartered.com.sg

  • How do I register for SMS Banking via Online Banking?

    • Log on to our Online Banking website at http://www.standardchartered.com.sg
    • Click on 'Alerts and SMS Banking' from the left hand menu, after which, you will receive a confirmation via SMS

  • Is there any age restriction to SMS Banking?

    You must be at least of 21 years of age to enjoy this service.

  • How much does it cost to sign up for SMS Banking?

    The Standard Chartered SMS Banking service is free but your mobile service provider may charge you a fee for sending SMS and receiving incoming SMS depending on your prevailing price plan.

    Please check with your mobile service provider for more information.

  • How can I request for assistance on the service codes available?

    You can obtain assistance by typing the alphabets "HL" and sending it to 75722. You will receive an SMS with all the service codes available.

  • Are the service codes case sensitive?

    No. Any combination of upper and lower case is valid.

  • Can I receive SMS Banking assistance from my mobile phone?

    Yes. Simply send the HL command to the SMS Banking service.

  • Are text commands case sensitive?

    No. Any combination of upper and lower case is valid.

  • How do I know if my phone or carrier supports SMS Banking?

    As long as your mobile phone and mobile service operator supports SMS messaging, you can enjoy SMS Banking services.

  • What security precautions should I take when using SMS Banking service?

    We recommend that you be mindful of the following guidelines:

    • Delete any sent messages from your "Sent" folder as the number may automatically be saved in your mobile phone
    • Delete all sensitive account related information from your "Inbox" folder.

Alerts

  • What are Banking Alerts?

    Banking alerts are notifications about transactional activities on your bank account. These alerts will be delivered to you either via SMS or email. You can even customise your own alerts preferences via the Online Banking website at http://www.sc.com/sg

  • What are the benefits of Banking Alerts?

    Banking alerts allows you can enjoy timely updates on your account activities and alerted in event of fraudulent transactions.

  • What is the difference between Banking Alerts and SMS Banking?

    You will receive SMS and/or banking alert when there have been transactions performed on your bank account.

    SMS Banking is a service that allows you to enquire and receive information on your savings or current accounts and credit card information via short text messaging.

  • How can I subscribe to the Banking Alerts service?

    Log on to our Online Banking website at http://www.sc.com/sg

    Click on "Alerts and SMS Banking" from the left hand menu, after which, you will receive a confirmation via SMS.

  • Does registering for Banking Alerts service mean that I am automatically enrolled for SMS Banking service as well?

    Yes, you will be automatically subscribed to both Banking Alerts and SMS Banking service.

  • How can I subscribe and unsubscribe to the Banking Alerts service?

    Log on to our Online Banking website at http://www.sc.com/sg

    Click on "Alerts and SMS Banking" from the left hand menu, after which, you will receive a confirmation via SMS.

  • What are the Banking Alerts available?

    Banking Related Alerts:

    • When cheque is returned (Inclearing or Outclearing)
    • When account is overdrawn
    • When fund transfers are made between your own accounts
    • Local or Overseas ATM Cash Withdrawal
    • Local or Overseas POS Transaction
    • Account Balance (default on a weekly basis)
    • Cheque book request via ATM
    • When Salary is credited

    Credit Card Related Alerts:

    • When credit card payment due in 5 days' time
    • When credit card payment is past due
    • Card Activation/ Replacement
    • Local or Overseas POS Transaction
    • Local or Overseas Cash Withdrawal
    • When Internet/Mobile Transaction is made
    • When credit card statements are ready

  • Is the Banking Alerts service available to all Standard Chartered customers?

    The Banking Alerts service is available to all customers holding current, savings or credit cards with personal or joint-alternate account relationship with Standard Chartered Bank (Singapore) Limited.

  • Is there an age restriction for the Banking Alerts service?

    You must be at least 21 years of age to enjoy this service.

  • Do I have to pay to use the Banking Alerts service?

    The Banking Alerts service is free. However, if you are travelling and you are on a roaming network, your mobile service provider may charge you for receiving any incoming SMS messages (including our alerts) depending on your prevailing price plan.

    Please check with your mobile service provider for more information.

  • I have terminated my mobile phone service. Will the Banking Alerts service be affected?

    Yes. The Banking Alerts service will be affected. We ask that you unsubscribe from the Banking Alerts & SMS Banking service accordingly.

  • I have changed my mobile phone number. Do I need to inform the Bank?

    Yes, you need to update the Bank with the latest mobile phone number as we will be sending any alerts to the mobile number as per the Bank's records.

  • Will I be able to receive SMS alerts on most pre-paid phone service plans?

    Yes, this service will work as long as your phone plan allows you to receive SMSes.

  • How many accounts can be linked to the Banking Alerts service?

    You may link all your accounts to the Banking Alerts service.

  • Can I use the Banking Alerts service using more than one phone/email address?

    No. Your mobile number and email address are linked to your individual profile. It is only possible to have a single mobile number and email address to individual profile.

  • What security precautions should I take when using this Banking Alerts service?

    As a good security practice, you may wish to delete any SMS you received from your mobile phone 'Inbox' folder as they may contain sensitive account related information...

Online Trading

Standard Chartered Bank (Singapore) Limited to introduce minimum brokerage

  • What are the changes in brokerage fees?
    With effect from 1st August 2016, a minimum brokerage fee will apply to each trade executed via the Online Trading platform. Please refer to the Brokerage & Market Fees for details of trading charges for the respective exchanges.

  • Does the minimum brokerage fee apply to everyone?
    There will not be any minimum brokerage fee on trades executed by Priority Banking clients via the Online Trading platform. For more information on how to join Priority Banking, please visit any of our branches.

  • How has bank communicated these changes in brokerage fees to existing customers?
    The Bank has notified all impacted customers via letter to their registered mailing address with the bank for their corresponding trading account. A notice of these changes has also been posted on the bank’s website
    https://www.sc.com/sg/ways-to-bank/online-trading.html

  • What are the different minimum brokerage fees that apply to the various currencies my shares are traded in?

Please note that the following fees are applicable to all orders placed only via the Online Trading platform.

Current Fees Table

Segment Brokerage Rate - SGX Brokerage Rate – All Other Markets Custody Fee Minimum Brokerage Amount
Priority Banking Clients 0.18% 0.20% 0 0
Personal Banking Clients 0.20% 0.25% 0 0

New Fees (effective for orders with a Trading Day from 1 August 2016)

Segment Brokerage Rate - SGX Brokerage Rate – All Other Markets Custody Fee Minimum Brokerage Amount
Priority Banking Clients 0.18% 0.20% 0 0
Personal Banking Clients 0.20% 0.25% 0 Where the shares are traded* in: AUD/ CHF/ EUR/ GBP/ SGD/ USD, the minimum brokerage amount is 10 AUD/ CHF/ EUR/ GBP/ SGD/ USD respectively.

Where the shares are traded* in HKD, the minimum brokerage amount is 100 HKD.

Where the shares are traded* in JPY, the minimum brokerage amount is 1000 JPY.

* The minimum brokerage amount applicable will be based on the currency of the shares traded in, regardless of the Exchange the shares are listed on

Note: where applicable, GST will be imposed

*Illustrative example:

  1. If Share A is traded in SGX in SGD, then minimum brokerage amount applicable will be SGD10.
  2. If Share B is traded in SGX in HKD, then minimum brokerage amount applicable will be HKD100.
  3. If Share C is traded in LSE in USD, then minimum brokerage amount applicable will be USD10.
    • If I place more than one trade on the same stock, on the same exchange and on the same day,will the minimum brokerage amount be applied to each trade?
      Yes, the minimum brokerage amount will be applicable to each trade

    • What will be the brokerage fees applicable to orders which get executed in market on or after 1st August 2016 via the Online Trading platform?
      There will be a minimum brokerage amount applicable to each order placed via the Online Trading platform and executed in the market from 1st August 2016 (i.e. trading day from 1st August 2016 onwards). No minimum brokerage amount will be applicable to any order with a Trading Day before 1st August 2016.

    • Why does Online Trading Platform reflect the inclusion of minimum commission charges to a Priority Banking Client?
      The brokerage amount reflected on the order ticket of the Online Trading platform is reflective of the maximum brokerage charged to all clients. All clients should refer to their contract notes for the accurate brokerage charges.

    • Apart from the minimum brokerage fees, what other revisions have been implemented to the new fee schedule?
      No other changes. We continue to maintain the same brokerage percentage charges with no custody fees.

    General
    • Is there a demonstration of the Online Trading account?

      Yes. There is an Online Tour for the Online Trading service, where you can find out more about the key features of the Online Trading platform and other related information.

    • How do I apply for an Online Trading Account?

      If you currently have Online Banking access, an application can be submitted through our Online Banking platform. Only applications for Single Mandate accounts may be submitted through the Online Banking channel.

      • Once you are logged into Online Banking, click on “Online Trading” on the menu located on left side of the page.
      • Follow through the steps to apply for an Online Trading account.

      If you do not have Online Banking access or you wish to apply for a Joint Online Trading account, you may obtain an Online Trading application form from our branches.

      Alternatively you may download the application forms and submit them at any of our branches.

      Single Online Trading account – Download the application form here

      Joint Online Trading account – Download the application form here

    • After my application for the Online Trading Account, how long will it take for my account to be activated for trading?

      If your application is successful, it will take approximately 5 working days for the account to be activated for trading.

    • Will I be given a separate Online Trading User ID and password?

      Your Online Trading User ID and password is the same as your Online Banking User ID and password. Through your Online Banking Login, you are able to view all of your banking accounts, including all of your Online Trading accounts.

    • How can I start trading?

      If you are our existing Internet Banking customer and already have an Online Trading account with us:

      • Log on to Internet Banking
      • Choose the "Online Trading" icon from the menu on the left
      • Read through the Terms and Conditions for Online Securities Services and click "Accept" (for 1st time login user) to acknowledge the acceptance of the Terms and Conditions for Online Trading
      • You will be able to start trading thereafter. If you do not have an Online Trading account and would like to open one, please visit any of our branches to and speak to a Relationship Manager.
    • How many Online Trading accounts am I allowed to open? How am I able to view my holdings?

      You may only open one Online Trading account of a similar operating mandate (i.e. single or joint mandate). You are able to view your holdings online via the Online Banking link on Online Banking.

    • Will there be contract notes given on top of the instant trade notification?

      Yes contract notes will still be given. Please ensure that you provide your up-to-date mailing address to ensure you receive your contract notes.

    • Will I receive any account statement?

      You will receive two types of statements:

      • The monthly consolidated statements which display your holdings with the Bank;
      • The securities monthly statements which display the detailed transactions relating to your securities trading account(s).
    • Can I receive my contract notes / securities monthly statements in electronic format?

      We are currently unable to provide this service. Your contract notes / securities monthly statements are physically delivered to your mailing address by post. To ensure that you receive these, please update us if your mailing address changes.

    • If I would like to request for the previous month’s contract notes/ statement again, am I able to request for them to be sent to me via email?

      On a case-by-case basis, we can assist to mail the contract notes/ monthly statements to your mailing address upon your request. We are currently unable to send these via e-mail. If you require further assistance, you may call our Online Trading Hotline at 1800 242 5333 (local) or +65 6242 5333 (from overseas) for assistance.

    • How often will I receive a statement showing the Securities held by the Bank as custodian?

      Monthly statements will be sent to the following clients:

      • Clients with security holdings under our custody and/or
      • Clients who have performed any transactions which involve movement of shares or cash during the month
    • Am I able to customize my Online Trading pages?

      Yes, you are able to perform some customization to fit your preferences. This includes but is not limited to view, news alerts, landing page and preferences.

    • How do I confirm that both my application and account opening have been successful?

      You will be notified of the Online Trading account opening by mail. Subsequently, you will be able to see the Online Trading link on Online Banking.

    • How secure is trading via Standard Chartered Bank (Singapore) Limited?

      This service employs the 128-bit Secure Socket Layer (SSL), which is one of the strongest encryption technologies most commonly used by large-scale online merchants, banks and brokerages worldwide. All online sessions between you and the bank are protected by 128-bit encryption and above, which best protects your information against disclosure to third parties.

    Customer Account Review (CAR) and Risk Warning Statement (RWS)
    • What is the background of Customer Account Review ?

      In 2011, new regulatory requirements were introduced which require financial intermediaries to formally assess a customer's investment knowledge and experience before selling certain investment products to the customer. The purpose of these new requirements is to better safeguard customers' interests. Therefore, the bank requires all customers (existing or new) to complete a Customer Account Review to ascertain whether they have the necessary relevant knowledge or experience to trade in Specified Investment Products, including exchange traded funds and listed equities traded on an exchange outside Singapore. If customers do not possess the relevant knowledge or experience, the bank will not open the trading account or allow them to continue trading.

      The CAR also has to be re-evaluated every 3 years to ensure that the customer’s knowledge and experience remained relevant.

    • Why am I prompted to do the Customer Account Review (CAR) when I open my Online Trading account?

      The new measures came into effect on 1st January 2012. Both customers opening new online trading accounts and customers with existing online trading accounts are required to complete the CAR.

    • What happens if I fail the Customer Account Review (CAR)?
      • To safeguard the interest of our customers, we have to perform a CAR to assess our customer’s investment knowledge and experience for the sale or purchase of certain types of investment products (e.g. exchange traded funds or listed equities traded on an exchange outside Singapore). The CAR also has to be re-evaluated every 3 years to ensure that the customer’s knowledge and experience remains relevant.
      • If you have applied for any equities trading service (including the Online Trading account) but have failed the CAR, we regret that we will not be able to accede to your application. You will not be eligible for any equities trading services (including the Online Trading account).
      • For existing customers with Online Trading accounts who subsequently fail the CAR, we regret that we will not be able to continue to service new equity trades. You will no longer be able to access our Online Trading Platform. This means that you will not be able to make new equity trades through us. However, you can continue to custodize any securities previously purchased through us, or you can choose to liquidate or transfer out such previously purchased securities.
    • Why do other financial institutions not require me to undergo the Customer Account Review (CAR)?

      We are not in the position to advise as to the practices of other institutions. However the new MAS regulations take effect from 1st January 2012 and will be applicable to all financial intermediaries in Singapore.

    • How often am I required to renew my Customer Account Review (CAR)?

      The CAR has to be re-evaluated every 3 years to ensure that your knowledge and experience for the sale or purchase of certain types of investment products (e.g. exchange traded funds or listed equities traded on an exchange outside Singapore) remains relevant.

    • I received a letter requesting that I complete a Customer Account Review (CAR) Form prior to the deadline set out in the letter. What are the implications if I do not complete or meet the criteria of CAR before such deadline?

      The CAR for our customers has to be re-evaluated every 3 years to ensure that their knowledge and experience remained relevant for the sale or purchase of Specified Investment Products. If the customers do not complete or meet the criteria of CAR before the deadline stipulated in the letter, we regret that these customers’ online securities trading accounts would be terminated about 2 to 10 working days after the deadline.

      To reinstate online securities trading account thereafter, the customer may complete the online CAR renewal form. Once the customer is assessed to continue to possess the relevant investment knowledge and experience, the online securities trading account would be re-instated within 3 to 5 working days.

      We strongly encourage our customers to complete the CAR Form and submit it to us before the stipulated deadline to avoid any disruption to their trading activities.

      Please see the following instructions to access the online CAR renewal form.

      1. Login to Standard Chartered Online Banking (https://ibank.standardchartered.com.sg/nfs/login.htm)
      2. Click on ‘Applications’ on the menu located on left side of the page
      3. Click on ‘Customer Account Review (CAR)’

    • I have done my online Customer Account Review (CAR) renewal. Why am I still not able to trade?

      Your Online Trading account may have been suspended because you did not complete the CAR Form and submit it to us before the stipulated deadline. We may require 3 to 5 working days to reinstate your Online Trading account.

    • How soon can I complete another Customer Account Review if I did not previously meet the criteria of the CAR?

      If you complete your Customer Account Review (CAR) online, you will be informed of your status immediately. If you do not meet the criteria of the CAR, you may contact us at any time to complete the CAR Form again. Once you are assessed to continue to possess the relevant investment knowledge and experience, the online securities trading account would be re-instated within 3 to 5 working days. Please bear in mind that you are responsible for the accuracy and completeness of your answers and the Bank's relationship with you is based on the information you provide to the Bank from time to time.

    • What will happen to my Online Trading account if I submit my Customer Account Review (CAR) renewal before it expires?

      You will continue to have access to your Online Trading account as long as you did not fail the CAR re-revaluation.

    • My online securities trading account has been suspended or terminated. I need to liquidate my holdings urgently. How can I do so?

      Please call our Online Trading Service Line at 1800 242 5333 (+65 6242 5333 for overseas) for assistance from Monday to Friday (9am – 12 midnight).

    • In the options provided, the criteria for investment experience are defined to be transactions done in Listed Specified Investment Products (LSIP) in the past 3 years. Are you referring to transactions that I have with Standard Chartered Bank (Singapore) Limited only?

      No. It includes all transactions that you have made, whether through Standard Chartered Bank (Singapore) Limited or with other financial institutions.

    • What is a Listed Specified Investment Product (LSIP)?

      The list of capital markets products which are Excluded Investment Products (EIP) are prescribed pursuant to local regulatory requirements (the Securities and Futures Act). Capital markets products which are listed AND do not fall within the definition of EIP will be considered listed Specified Investment Products. Examples of listed Specified Investment Products include foreign-listed stocks, all exchange-traded funds and any other listed securities with embedded derivatives. Intermediaries who are able to identify EIP-equivalent investment products listed on foreign exchanges are permitted to treat these products as EIPs. On the part of Standard Chartered Bank (Singapore) Limited, we will continue to treat all foreign-listed capital markets products (such as foreign-listed shares, all exchange traded funds) as Specified Investment Products. This means that customers who wish to trade using their Standard Chartered's online trading accounts will have to complete and pass the Customer Account Review (CAR).

    • What is the Risk Warning Statement (RWS) which I have to acknowledge when I log into my Online Trading account?

      Foreign-listed investment products, including EIPs, may carry a different set of risks and different levels of protection for investors from those offered locally. Intermediaries are required by local regulation to warn retail customers of the possible risks prior to the customer's first purchase of a foreign-listed investment product from 28 February 2013 and to obtain the customer's acknowledgement on the risk warning disclosure. This will apply to all foreign-listed investment products, regardless of whether the customer has transacted in such products prior to 28 Feb 2013, and whether the customer is assessed to have the relevant knowledge or experience to transact in SIPs.

      These new requirements were announced on 9 May 2012. For more information, you may wish to access the announcement using the weblink below:
      http://www.mas.gov.sg/News-and-Publications/Press-Releases/2012/MAS-Modifies-the-Regulatory-Requirements-Governing-the-Marketing-and-Sale-of-Listed-and-Unlisted-Investment-Products.aspx.

      The Bank is required to obtain the customer's acknowledgement that he/she has read and understood the Risk Warning Statement (RWS). Acknowledgement of the RWS applies to all foreign-listed investment products, regardless whether you have previously transacted in such foreign-listed investment products prior to 1 January 2013, or whether you have been assessed to have the relevant knowledge or experience to transact in SIPs.

      Please read and understand the contents of the RWS before indicating your acknowledgement of the RWS. If you have any questions on the RWS, please contact your Relationship Manager or visit any of our branches.

    Securities Settlement Account
    • What is the purpose of having a Securities Settlement Account?

      The Securities Settlement Account is a separate, dedicated cash account used to cater to all of your Online Trading needs. Its intention is to separate monies required for trading and monies resulting from your Online Trading activities from your day to day cash requirements (such as credit card payments, utilities payments, etc).

    • Is there a minimum balance requirement needed to operate a Securities Settlement Account? Are there any monthly fees or an initial account opening deposit requirement?

      There is neither a minimum balance requirement nor monthly fees nor an initial account opening deposit requirement. For full pricing details, please refer to our pricing guides.

    • Will the Securities Settlement Account be interest bearing?

      Yes, there will be nominal interest paid out on the balances in your Securities Settlement Account.

    • Are there any cheque books or ATM cards?

      As this is meant for your Online Trading activities, no cheque books or ATM cards will be issued with the Securities Settlement Account. However, you can transfer monies into your other Standard Chartered cheque and save accounts in order to write cheques or make ATM withdrawals.

    • What modes of funds transfer are permitted to and from a Securities Settlement Account? Am I able to deposit a cheque into the Securities Settlement Account?

      Funds transfers into or out of your Securities Settlement Account may only be done through Internet Banking. Please note that you will not be able to deposit a cheque directly into your Securities Settlement Account. You may wish instead to deposit the cheque into your Standard Chartered Cheque-and-Save-Accounts ("CASA") and thereafter perform a fund transfer through Internet Banking from that account into your Securities Settlement Account.

    • How do I view balances in my Securities Settlement Account? Will there be statements provided?

      You can view and query your balances through Online Banking or Phone Banking. Balances in your securities settlement account will be reflected in your monthly consolidated statements. You will be given eStatements if you have opted for them.

    • How many Securities Settlement accounts must I open?

      You need to open an account that corresponds to the currency that your trade is in.

      1. Example: If you choose to trade in USD and SGD, you will require a USD and SGD securities settlement account to be opened. You are allowed to tag the Securities Settlement account to only one Online Trading account and the mandates of both Securities Settlement account and Online Trading account must be the same.
      2. Example: You have a joint Online Trading account and a single Online Trading account. You will have to open 2 sets of joint Securities Settlement account and single Securities Settlement account to be tagged to your respective Online Trading accounts.

    Trading
    • What does Standard Chartered's securities trading services offer?

      It provides the following key features:

      • Quick access to a wide range of global markets
      • Comprehensive order types such as Stop Loss Orders, Limit Orders, etc.
      • Instant order confirmation via email or SMS
      • Comprehensive securities portfolio overview
      • Securities portfolio watch list
      • Instant available purchasing power
      • Detailed stock quotes for all exchanges
      • Latest market news

    • Is there a demonstration of the Online Trading account that I can look at before I apply for the online trading services?

      Yes. There is an Online Trading Tour for the Online Trading platform. You can access it to find out more about the process and some of the key features of the platform.

    • What markets do you offer and what are their trading hours?

      Stock markets operate from Monday to Friday except for public holidays. Please refer to the respective exchanges for their public holidays. The market trading hours are as follow:

      Market Exchanges Website Trading Hours (SGT)
      Australia Australian SE (ASX) www.asx.com.au Non Daylight Saving:
      08:00-14:00

      Daylight Saving:
      07:00 – 13:00
      Japan Tokyo SE (TSE) www.tse.or.jp 08:00-14:00
      Singapore Singapore SE (SGX) www.sgx.com Continuous Trading Session:
      09:00 - 17:00

      Pre-open session:
      08:30 - 08:59

      Pre-close session:
      17:00 - 17:05
      Hong Kong Hong Kong SE (SEHK) www.hkex.com.hk 09:30 - 16:00
      France NYSE EN Paris (PAR) www.euronext.com Non Daylight Saving:
      16:00 – 00:30

      Daylight Saving:
      15:00 – 23:30
      Switzerland SIX Swiss Exchange (SWX)
      SIX Swiss Exchange (VTX)
      www.swxeurope.com Non Daylight Saving:
      16:00 – 00:30

      Daylight Saving:
      15:00 – 23:30
      Germany Deutsche Boerse (XETRA) www.deutsche-boerse.com Non Daylight Saving:
      16:00 – 00:30

      Daylight Saving:
      15:00 – 23:30
      UK London Stock Exchange (LSE) www.londonstockexchange.com Non Daylight Saving:
      16:00 – 00:30

      Daylight Saving:
      15:00 – 23:30
      Netherlands NYSE EN Amsterdam (AMS) www.euronext.com Non Daylight Saving:
      16:00 – 00:30

      Daylight Saving:
      15:00 – 23:30
      United States NYSE AMEX (AMEX)
      NASDAQ (NASDAQ)
      New York Stock Exchange (NYSE)
      www.nyse.com
      www.nasdaq.com
      www.nyse.com
      Non Daylight Saving:
      22:30 – 05:00

      Daylight Saving:
      21:30 - 04:00

    • What are the hours for the different market phases for Singapore market?

      Stock markets operate from Monday to Friday except for public holidays. Please refer to the Singapore Stock exchanges (SGX) for their public holidays.

      SGX Market Phase Time Period (SGT) (Monday to Friday)
      Pre-open 08:30 - 08:59
      Non-cancel period (no input, amendment and withdrawal of orders) 08:59 - 09:00
      Normal trading 09:00 to 17:00
      Pre-close 17:00 to 17:05
      Non-cancel period (no input, amendment and withdrawal of orders) 17:05 to 17:06
    • For Singapore Stock Exchange (SGX), can I place trade during the pre-open or pre-close session?
      Time Range
      (SGT)
      New Order Placement Order Modification Model Cancellation
      Pre-open
      08:30 - 08:59
      Tick Tick Tick
      Pre-open
      Non-cancel
      08:59 - 09:00
      X
      Order placements will be sent to market from 09:00 when market opens.
      X*
      Order modification will be sent to market from 09:00 when market opens
      X*
      All unmatched orders will flow into the regular trading session
      Normal Trading
      09:00 to 17.00
      Tick Tick Tick
      Pre-close
      17.00 to 17.05
      Tick Tick Tick
      Pre-close
      Non-cancel
      17.05 to 17.06
      Order placement will be sent to market open the next trading day. X#
      All unmatched orders will expire
      X#
      All unmatched orders will expire
      Close
      17.06 onwards
      Order placement will be sent to market pre-open the next trading day. Order modification will be sent to market-open the next trading day. Order cancellation will be sent to market pre-open the next trading day

      *For orders that filled during this period of time, modification/ cancellation will be rejected.
      #For order modification/ cancellation that filled during this period of time, modification/ cancellation will be rejected.
      Note: We perform a daily maintenance of our system from 5am to 7am. We will not be able to accept any orders, order modification, cancellation during this maintenance window.

    • How do I add markets that I have not opted for initially? Can I call in to opt for new markets to trade?

      Requests to add markets for trading can be done easily at any of our branches. Alternatively, you may speak to your Relationship Manager.

    • Am I able to get the latest news? Are there fees imposed for price quotes and news feeds?

      The latest market news is available after you access your account via the Online Banking Login. There are no fees being levied for price quotes and news feeds. All price feeds are real time quotes direct from the various exchanges unless price feeds are delayed (which will not exceed 30 minutes).

    • Are the stock prices quoted in the Watchlist updated real time?

      The update of market data in the Watchlist is usually delayed by 15 – 20 minutes, unless otherwise noted.

    • Which type of securities can I trade online?

      You can trade most securities that are listed on the markets and exchanges that we offer and allow trading in. This includes stocks and ETFs.

    • Are there other channels available for trading besides trading online?

      Yes, you also have the option to trade via your Relationship Manager. Do note that charges differ when trading via your Relationship Manager.

    • What is the minimum number of shares I can trade online?

      The minimum number of shares you can trade online is determined by the respective exchanges.

    • What is the minimum number of shares that I can place in an order?
      Market Exchanges Minimum shares to place per order
      Australia Australian SE (ASX) 1
      Japan Tokyo SE (TSE) Not fixed
      Singapore Singapore SE (SGX) 10, 100(Depending on the securities)
      Hong Kong Hong Kong SE (SEHK) Not fixed
      France NYSE EN Paris (PAR) 1
      Switzerland SIX Swiss Exchange (SWX)
      SIX Swiss Exchange (VTX)
      1
      Germany Deutsche Boerse (XETRA) 1
      UK London Stock Exchange (LSE) 1
      Netherlands NYSE EN Amsterdam (AMS) 1
      United States NYSE AMEX (AMEX)
      NASDAQ (NASDAQ)
      New York Stock Exchange (NYSE)
      1
    • What are the steps to enter the orders?
      • Order Input Screen will prompt you enter all order details.
      • You need to click the "Submit" button to bring you to the next page.
      • Order Confirmation Screen will display all information you have entered for your verification.
      • You need to click the "Confirm" button to continue.
      • Order Acknowledgement Screen will show you all the details of the order you have submitted (including the estimated transaction cost and fees).
      • An Order Reference Number is generated and shown for your reference.
    • How do I know my orders are executed or rejected?

      You can enquire the status of your orders through "Order Enquiry" page or enquire the same via Phone Banking. Below is the order status description:

      Order Status Description
      Pending This means your order has been received by the Bank and are pending updates in trade status
      Acknowledged This means your order is successfully accepted by the Bank and is open for execution, cancellation or amendment.
      Partially Filled Order has been partially executed
      Fully Filled Order has been fully executed
      Rejected Order has been rejected
      Cancelled Order has been cancelled
      Expired Order has been expired upon pre-set validity

    SGX to introduce reduced board lot size from 19 January
    • What is a Board Lot?

      A board lot size is a standardised number of shares defined by a stock exchange as a trading block.

    • What is the change?

      SGX is reducing the standard board lot size from 1,000 units to 100 units effective from 19 January 2015 to make it more affordable for retail customers to invest in wider range of equities. The reduction will apply to ordinary shares (including shares traded on GlobalQuote), real estate investment trusts, business trusts, company warrants, structured warrants and extended settlement contracts. Existing board lot sizes of 100 or less units will remain unchanged.

    • How does this change affect the securities which are currently listed in more than one board lot size?

      For those securities which are currently listed in more than one board lot size, the counters with a current board lot size of 100 units or more will be delisted and the stock code will no longer be in use. Holdings will be consolidated with the remaining counter (i.e. the counter which had the board lot size reduced from 1,000 to 100 units). Counters with a board lot size of less than 100 units will remain unchanged after the reduction of board lot size as per the illustration below. The examples below are only for illustration purpose. For more information, please refer to SGX’s website (www.sgx.com).

      Example 1:
      SingTel is currently traded in board lots of 1,000, 100 and 10 units. After the reduction of board lot size, SingTel will only be traded in board lots of 100 and 10 units.

      Counter Name Stock Code
      (before the change)
      Board Lot Size
      (before the change)
      Stock Code
      (after the change)
      Board Lot Size
      (after the change)
      SingTel Z74 1,000 Z74 100
      SingTel 100 Z78 100 To be delisted from SGX and holdings to appear as Z74
      SingTel 10 Z77 10 Z77 10

      Example 2:
      Singapore Airlines is currently traded in board lots of 1,000 and 200 units. After the reduction of board lot size, Singapore Airlines will only be traded in board lots of 100 units.

      Counter Name Stock Code
      (before the change)
      Board Lot Size
      (before the change)
      Stock Code
      (after the change)
      Board Lot Size
      (after the change)
      SIA C6L 1,000 C6L 100
      SIA 200 C6U 200 To be delisted from SGX and holdings to appear as C6L
    • Who do I contact if I have further queries?

      Please call our contact centre hotline at 1800 242 5333 (local) or +65 6242 5333 (from overseas)

    • Can I place an order outside trading hours?

      Yes you are able to place orders anytime during the day. However, do note that orders that are placed outside the exchange trading hours will be accepted only upon the reopening of the trading hours. Such orders will be queued on a first come first serve basis.

    • What type of orders am I able to place?

      Order Types Description
      Day market sell orders
      1. Order is valid only for the current trading session during which a target execution price has not been set by you.
      2. Such orders will then be executed at the then prevailing market price at the point of execution.
      Day limit buy orders
      1. Order is valid only for the current trading session during which a target (limit) execution price has been preset by you.
      2. Such orders are valid up to the limit execution price.
      Day limit sell orders
      1. Order is valid only for the current trading session during which a target (minimum) execution price has been preset by you.
      2. Such orders are valid when the minimum execution price is reached.
      Next day orders
      1. Orders which you place that are valid for the next day trading session.
      Stop loss sell orders
      1. This allows you to set the maximum tolerable loss by setting a stop loss price trigger and a lowest selling price.
      2. Your order is valid only after the prevailing market price falls below the preset stop loss price trigger.
      3. Once triggered, a stop loss sell order effectively becomes a day limit sell order, with the sell limit price at the lowest selling price set by you.

    • Will my orders be sent to the Bank instantly once I have keyed my orders into the system?

      Yes. Once your orders are submitted, they will be sent to the Bank instantly.

    • How do I know the Bank has received my orders? How do I check the status of my trades?

      After you have entered and confirmed the order/instruction details, an Order Acknowledgement Screen with an Order Reference Number will be displayed. This means that the Bank has successfully received your orders but it does not guarantee that your orders will be executed nor executed in a timely manner in the market. The Bank will process your orders on a best effort basis. Your orders may NOT be executed due to fluctuations in stock price, insufficient market liquidity, system failure or any other events beyond the control of the Bank. It is a good practice and your responsibility to check your order status through the "Order Enquiry" and Transaction Enquiry pages.

    • How do I ensure the Bank will process my orders which are not yet done? What happens to my orders if they are not done by the end of trading day?

      The Bank will process your orders as long as they are valid. Orders remain valid until they are cancelled by you or have expired by the end of the trading day.

    • Can I sell the stock I buy today?

      You can sell the stock before settlement date as long as you have sufficient quantities in your securities holdings.

    • Can I amend or cancel an order?

      You can make amendments to the order quantity, price and order type. Order amendments or cancellations made during trading hours will be handled on the same trading day upon receipt of instructions provided that the order has not been fully executed or cancelled. For partially executed orders, amendments or cancellations will apply to the unfilled order only.

      Please note that before an amendment request has been duly processed, we cannot entertain further amendments on the same order. Once a cancellation instruction is placed, you cannot withdraw your cancellation instruction or make further amendments to the same order. Acceptance of any amendments is subjected to acceptance from the respective exchanges.

    • Is there another way to amend or cancel my orders placed on the Online Trading System if I am not logged on to the system?

      No. You can only amend or cancel your orders online.

    • Do I need to open an account with Central Depository (S) Pte Ltd ("CDP") in order to perform trades on the Online Trading platform?

      No, you do not need to have a CDP account.

    • Does Standard Chartered Bank (Singapore) Limited provide the option of trading using my Central Provident Fund (CPF) or Supplementary Retirement Scheme (SRS) funds?

      No. Unfortunately we do not offer such option at this point of time.

    • Can I place an order without sufficient funds in the relevant Securities Settlement Account?

      No. The Online Trading system does not allow trades to be placed if there are insufficient funds in the relevant Securities Settlement Account in security currency.

    • What does "Available Purchasing Power" mean? Will there be any adjustment of hold fund after the order is executed?

      Available Purchasing Power is the available funds you can use to purchase securities. Calculation of Purchasing Power takes into account available cash balance, monies earmarked for trades pending settlement or orders placed (with provisions for price fluctuations) and relevant fees or charges amongst others. Purchasing Power is system generated and the figure(s) is indicative. The pre–requisites for trading are sufficient purchasing power and securities holdings. Hence you cannot place buy orders without sufficient funds, or place sell orders when you do not have sufficient securities. On the trade date, your fund holdings will be adjusted according to the actual debit amount. The exact amount will be debited from settlement account on settlement date which is generally 2 to 3 days after trade date for most exchanges.

      Please refer to the ‘Fees and Settlements’ segment below for the settlement dates of the different exchanges.

    • What happens if I do not have enough purchasing power or insufficient funds in my Securities Settlements Account?

      You would not be able to buy shares if you face issues with purchasing power. Please contact our Online Trading hotline at 1800 242 5333 (+65 6242 5333 for overseas).

    • Can I trade securities I purchased from other brokers?

      No you are not able to.

    • Can I trade Over-the-Counter (OTC) stocks listed in the US?

      We do not allow buying or selling of OTC stocks on the Online Trading Platform. For selling of existing holdings of OTC stocks, you may contact us at 1800 242 5333 (+65 6242 5333 for overseas) to place a trade through our dealers. Dealer assisted rates will apply, which will be higher than the Online rates.

    • Will I receive any instant trade notification after my orders are executed?

      You will receive SMS and/or Email confirmation when your order is partially or fully executed. Please ensure that you provide your up- to- date mobile numbers and email address to ensure that you receive all trade notifications. Please note that for joint-name accounts, only the Primary Account Holder will be notified of the order confirmation.

    • I cannot seem to sell odd lots via the Online Trading platform? How can I liquidate the odd lots?

      Our Online Trading platform currently does not support odd lot trading. Please contact us at 1800 242 5333 (+65 6242 5333 for overseas) to place a trade through our dealers. Dealer assisted rates will apply, which will be higher than the Online rates.

    • Are there periods when my shares will not be available for trading?

      Certain corporate action events (for example, stock splits and reverse stock splits) require customers' investment holdings to be adjusted to reflect the correct post-corporate action quantities. This enables customers to trade based on the correct quantities of that particular shareholding. During this period of adjustment, customers will not be able to enter orders for the affected shares over our Online Trading platform, but may do so by calling our Online Trading Hotline at 1800 242 5333 (+65 6242 5333 for overseas). Please note that the orders will be based on the adjusted post-corporate action quantities.

    • What is “Limit Price”?

      For "Sell" order, the "Limit price" is the lowest price that you are prepared to sell your securities. For "Buy" order, the "Limit price" the highest price you are prepared to buy the securities.

    • What is “Stop Loss Limit Price”?

      This is the triggered price for your sell order to be sent to the market for queuing/execution.

    Fees and Settlement
    • Are there any charges for the application of the Online Trading account?

      No. There are no charges for the application of the Online Trading Account.

    • What are the trading charges and custody fees?

      Please refer to the Brokerage & Market Fees for details of trading charges for the respective exchanges as well as the respective exchange charges.

    • When do I get paid for the securities that I sold?

      You will be paid on settlement date, however your purchasing power increases immediately once the SELL trade is filled.

    • What are the settlement dates across the different exchanges?

      SGX, TSE, AMEX, NASDAQ, NYSE: T+3 market days
      ASX, SEHK, PAR, SWX, VTX, XETRA, LSE, AMS: T+2 market days

      Please note that ‘T’ refers to the trade date i.e. the day the trade is executed.
      Please be informed that ‘market days’ do not include public holidays.

    Settlement Cycle for the Australian Market

    With effect from 7 March 2016, the Australian Stock Exchange (ASX) will change their settlement cycle to T+2. The Australian market available under the Online Trading Service will be impacted by this change.

    • Trades made before or on Friday, March 4 will be settled with a T+3 cycle
    • Trades made on or after Monday, March 7 will be settled with a T+2 cycle

    Illustration of settlement cycle for ASX (with effect from 7 March 2016):

    Trading Day Settlement Date
    Thursday, March 3, 2016 Tuesday, March 8, 2016
    Friday, March 4, 2016 Wednesday, March 9, 2016
    Monday, March 7, 2016 Wednesday, March 9, 2016
    Tuesday, March 8, 2016 Thursday, March 10, 2016
    Settlement Cycle for European Markets

    With effect from 6 October 2014, certain markets in the European Union will change their settlement cycle to T+2. The following markets available under the Online Trading Service will be impacted by this change: France, UK, Switzerland, and the Netherlands. Germany is already on a T+2 settlement cycle.

    • Trades made before or on Friday, October 3 will be settled with a T+3 cycle
    • Trades made on or after Monday, October 6 will be settled with a T+2 cycle

    Illustration of settlement cycle for affected markets (with effect from 6 October 2014):

    Trading Day Settlement Date
    Thursday, October 2, 2014 Tuesday, October 7, 2014
    Friday, October 3, 2014 Wednesday, October 8, 2014
    Monday, October 6, 2014 Wednesday, October 8, 2014
    Tuesday, October 7, 2014 Thursday, October 9, 2014
    Exchange Traded Funds (ETF)
    Exchange Traded Funds (ETF) Clearing Fee Waiver
    • What is the background of ETF clearing fee waiver?

      To further promote ETFs as investment products, Singapore Exchange (SGX) will waive ETF clearing fees for both institutional and retail investors for a promotional period of 1 June 2015 to 31 December 2015.

    • What ETFs are included in the clearing fee waiver and how much are ETF clearing fees?

      All ETFs listed on SGX are included. The clearing fee is 0.0325% the total traded value.

    • What is the applicable period for the ETF clearing fee waiver?

      The ETF clearing fee waiver is applicable for all trades with contract issue dates from 1 June 2015 to 31 December 2015, both dates inclusive. Contract issue date is the date on which the trade is done.

    • When will customers receive the refund of their clearing fees?

      Customers who have traded ETFs on SGX through our Online Securities Trading platform during the period of 1 June 2015 to 31 December 2015 will receive a monthly, lump sum refund of the clearing fees for all ETFs done in a month. This refund will be credited to their settlement account by 15th day of the following month. For example: for all ETF trades done in month of June, the total refund on clearing fees will be credited in your settlement account by 15th July 2015.

    Corporate Actions
    • Will I be informed of any corporate actions?

      The Bank will NOT notify you of mandatory corporate action events. The Bank will notify you of any voluntary corporate actions via SMS. You will also receive a notification letter. For voluntary corporate actions with "Take cash" options, if you choose to receive cash the cash proceeds will be credited to your Securities Settlement Account and will be reflected in your monthly consolidated statement. If you choose to receive shares, it will be reflected in your Online Trading Account. Please note that due to our nominee structure, the shares/cash proceeds will only be credited to your account after pay date or upon receipt of payment confirmation from the custodian (whichever is later), and the shares/cash proceeds will be reflected in your account only after the shares/cash proceeds have been credited to your account. Thus you will only be able to sell these shares after the shares have been credited to your account. In the event that you end up in a short sell position (as a result of insufficient securities for your sell orders in the event there is a delay in updating your securities holdings following a corporate action adjustment), we reserve the rights to adjust your holdings and perform a buy-back on your behalf accordingly."

    • There was a corporate action event involving my old share quantity being divided by a ratio. Can I receive fractional shares?

      Fractional shares are share entitlements which are less than the minimum share size (1 share). Your instructions for share entitlements arising from corporate actions will be aggregated with other clients’ share entitlements when the Bank deals with the Issuer.

      Generally, in such corporate actions, Issuers do not issue shares in whole numbers. Accordingly, if the Issuer does not issue fractional shares, the Bank will not be able to credit you any such fractional shares.

      The Issuer may round down any fractional share entitlement to the nearest 1 share. The Bank will credit this to your count.

      The Issuer also may not issue cash-in-lieu of fractional shares. If no cash-in-lieu of fractional shares is received from the Issuer, the Bank will not be able to pay any cash-in-lieu of fractional shares. If any cash-in-lieu is received from the Issuer, the Bank will distribute it proportionately to eligible clients. The cash-in-lieu you receive may not be equal to the reinvestment price of the fractional shares you would have received.

    • There was a recent announcement of the delisting of shares of company X. Why was I not informed?

      Clause 1.6.8 of Part B of our Investment Product Terms clarifies that we are not obliged to make available, all or any notices, proxies and proxy soliciting materials in relation to the shares a customer holds with us. The above said, we will deliver to you or your nominated agent as soon as reasonably possible after receipt by us, all letters, notices, and announcements in connection with voluntary corporate actions relating to the shares you hold with us except those which are documents of title or are needed by us to exercise rights in relation to the shares.

      For other corporation actions that are classified as mandatory corporate actions (e.g. shares delisting), we do not inform our customers of such corporate actions. Our customers will however receive a Deposit/Withdrawal Confirmation statement when the exchange traded shares are delisted.

    • There was a recent announcement of the delisting of shares of company X. Why has this happened?

      We are not able to comment on this as shares may be delisted from a stock exchange for reasons that are beyond the control of the bank.

    • Can I still sell the shares after the delisting? How can I go about this?

      Shares that are delisted from a particular exchange can no longer be traded (i.e. Buy/Sell transactions cannot be put through) on that exchange by any party. There are instances (1) where the delisting is temporary, and the shares will be relisted on another exchange or (2) where the shares are listed on more than one exchange. Under such instances, we can exceptionally submit a request to check whether the delisted shares held by our customers can be transferred to the other exchange for trading, but this is subject to the our discretion. Trading of the shares on an exchange that we do not support will incur higher charges.

      If that particular shares are completely delisted (i.e. no longer trading on any exchange), physical share certificates will typically be issued to the shareholders, subject to the discretion of the company and share registrar. If this is indeed the case, we will contact our customers to check if they would like us to perform a re-registration in the individual customer’s name, subject to the discretion of the company and share registrar. This re-registration will incur charges that the customer must bear should he/she decides to proceed with the re-registration.

      However, we regret that we will not be able to support trading of physical share certificates once the re-registration is complete.

      Other than the above, you also have the option of transferring out your holdings to another broker. Charges will apply for the transfer.

    Custody Arrangement
    • Can I transfer shares from my other brokers to Standard Chartered Bank (Singapore) Limited?

      Yes. Please approach your Relationship Manager or visit any of our branches with details of your CDP account and your current brokerage account. Please be informed that you can only transfer shares for which you hold a valid trading line with Standard Chartered Bank (Singapore) Limited (e.g. US trading line required for transfer of US shares).

    • How long will it take for my share transfer to be completed?

      All share transfers may take up to 14 working days to be completed (if all necessary documentation is accurate and complete). As share transfers involve other brokers, please liaise with your other broker to obtain the necessary documentation that is required to be submitted by them at their end. We may help to facilitate this on a best effort basis, but we bear no responsibility to provide any external party forms or for the accuracy of any information obtained from an external party.

    • How would the securities purchased by me through the Online Trading platform be held?

      Standard Chartered Bank (Singapore) Limited (The “Bank”) acts as a custodian in respect of the securities purchased through the Online Trading platform, as well as for securities transferred to the Bank by the clients for the purpose of consolidating their securities holding with the Bank. In doing so, the Bank is providing safe custody service on terms set out in the Investment Product Terms.
      These securities are held on trust by the Bank or its nominee. The clients are the beneficial owners of these securities. In the unlikely event that the Bank becomes insolvent, such securities held on trust are not subject to the claims of the Bank’s creditors. This is because the securities are held on trust by the Bank or its nominee as custodian, and are kept separate from the Bank’s own assets.
      For more information, please refer to the Investment Product Terms

    • What would happen if the Bank decides to cease offering of the Online Trading platform?

      Should the Bank decide to cease the offering of the Online Trading platform, the Bank will, at every client’s option, deliver the Documents of Title of the securities in its custody back to the client, or transfer them to a bank or agent of client’s choice.

      The delivery or transfer will be done in an orderly manner and in accordance with the banking agreement (which includes the Investment Product Terms) entered with the clients. The Bank’s staff would also be available to assist in the process.

      Nonetheless, the above is a very unlikely scenario as the Bank has no intention of ceasing the offering of the Online Trading platform.

      For more information, please refer to Part E of the Investment Product Terms, which outlines the process for the termination by either party of the safe custody service.

    • Can I transfer SGX-listed securities held in custody by the Bank to my securities account with the Central Depository (Pte) Ltd (CDP)?

      Yes. Clients are able to transfer their SGX securities held in custody by the Bank to their securities accounts held directly with CDP. There are third party fees or charges involved with respect to such transfers, which shall be borne by the clients. However after the transfer is completed, the transferred shares will not be available for trading on the Online Trading platform.

    • I would like to attend the Annual General Meeting (AGM) held by an issuer. Can the bank help me make arrangements for it?

      We refer to the Terms and Conditions of the Bank (available HERE), and set out below our response to the issues which you have raised:

      1. All securities (including shares) purchased by you are delivered to the Bank as custodian and are held by the Bank or our nominee as custodian for and on behalf of you. While you remain the beneficial owner of these securities, at the point of account opening, you have authorised us to exercise all rights accruing or vested in you under the applicable law in relation to the rights of voting in respect of any of the securities held for your account. The Bank or our nominee will exercise all rights of voting in respect of any of the securities in such manner as we deem fit. You further agree that we may at our own discretion decide not to exercise any of such voting rights. Please refer to Sections 1.4 and 1.6 of Section 3 (Investment Product Terms) for further information.
      2. You also acknowledge that the Bank is not obligated to make available all or any notices, proxies and proxy soliciting materials in relation to the securities held pursuant to these Terms. Please refer to section 1.6.8 of Section 3 (Investment Product Terms) for further information. However, if you wish to attend any Annual General Meeting ("AGM") held by an issuer, you may inform us of your intention by calling the Bank's hotline at 1800 242 5333 (+65 6242 5333 for overseas). Upon being informed, the Bank will, but is not obligated, to make arrangements for you to attend the AGM, on condition you abide by the following requirements:
        • You are the beneficial owner of the securities;
        • You inform the bank at least 7 working days prior to the business day on which the AGM is held;
        • You consent to the Bank disclosing your personal details (Name, NRIC, Contact Number, and Trading Account Number) to the issuer/company for purposes of confirming your attendance at the AGM;
        • You agree to bring along your monthly securities statement which reflect that you still own the securities corresponding to that particular issuer; and
        • You produce your Singapore NRIC at the AGM venue for identification purposes.
        You acknowledge and understand that you are only allowed to attend the AGM as an observer and have no right to vote at the AGM.

    Change in Custody Arrangement for Low Priced US Dollar-Denominated Securities
    • What is the impact of this change in Custody Arrangement for Low Priced US Dollar-Denominated Securities?

      Bank's sub-custodian for securities listed on United States exchanges, Brown Brothers Harriman & Co. (BBH), has announced a policy change as a result of which we will no longer be able to custodise certain categories of US low-priced/microcap securities on customer's behalf.

      Effective 15 September 2014, we will discontinue custodising any US Dollar-denominated equity security that:

      • Trades at US$1.00 or less per share and is not listed on the NYSE or the NASDAQ stock markets;
      • Trades on OTC market segments of Pink "Limited Information" or Pink "No Information" (regardless of price); or
      • Carries an OTC marketplace designation of "Caveat Emptor", "Grey Market" or "Other OTC" (regardless of price).

    • Why is there this sudden policy change by BBH?

      US low-priced or "microcap" securities have been and continue to be a topic of increased regulatory scrutiny because these securities are often thinly traded and under-capitalized, and present elevated risks for potential money laundering, fraud, illegal distribution, and market manipulation. This policy change by BBH is in-line with this increased regulatory scrutiny.

    • How will the customers be notified of this change and the impact?

      The Bank has mailed out letters to all customers at their registered address with details of the required actions from customers.

    • How can the customers check on the affected securities? Please refer to the attached list of affected securities.
    • Is any action required of the affected customers?

      The options customers have for their Affected Securities holdings are as follows:

      • Default Option: Convert the Affected Securities into physical form (rematerialization). Bank will arrange for delivery of the physical certificates at the customers' registered address. Bank is not able to hold or safekeep these for the customers.
        • This action comes at an approximate cost of USD630** payable by customers.
      • Transfer the Affected Securities out of the Bank to another bank/brokerage (Customers may wish to confirm that bank/brokerage are able to custodise the Affected Securities on customers' behalf).
      • Sell the Affected Securities through our platform prior to 15 September 2014 subject to market liquidity (usual brokerage charges apply).
      • Destroy the securities

    • How can customers liquidate their positions?

      Customers may sell as usual through the Online Trading platform (at our usual online brokerage rates) or through RM or the Online Trading hotline (at our usual RM assisted rates).

    • Can SCB advice which other bank/brokerage is able to custodise these categories of US low-priced/microcap securities?

      The Bank is unable to advice on this.

    • Will customer receive any proceeds if they choose to destroy the securities?

      No.

    • What will happen if there is no action to be taken by the customer and the deadline of 15 September 2014 passes?

      Default option will be applied. Customer's securities will be converted into physical form (rematerialization), and delivered to customer's registered address with the bank. The bank will not able to hold or safekeep these for customers. This action comes at an approximate cost of USD630** payable by customer.


      ** The final amount will be known when the transfer agent and our sub-custodian notify us; this is likely to be after the entire exercise is completed. Customer will be notified thereafter.
    Withholding Tax
    • What is the withholding tax rate that applies to income and proceeds earned from my investments?

      In general, income and proceeds earned from investments may be subjected to tax and where applicable, the tax will be withheld upfront by us if the investments are held with or placed through us. However tax treatment differs between jurisdictions. Please seek independent tax advice or refer to the website of the relevant jurisdiction’s tax authority for further details.

    • I am a resident of a country that has a tax treaty with the country that has withheld the tax. Why was the maximum withholding tax rate still applied in my case?

      The rate at which we withhold tax on your investments depends on the tax rate specified by the relevant tax authority. If you form the view that a preferential rate applies to your investments held with or placed through us, you should contact the relevant tax authority or engage a tax agent to seek a refund. We do not provide any tax advisory services or tax reclaim services.

    • Can Standard Chartered Bank (Singapore) Limited help me with my tax reclaim?

      No. The Bank does not provide any tax advisory services or tax reclaim services. You may wish to consider seeking independent tax advice or contacting the relevant tax authority should you wish to make arrangements for tax reclaim.

    • I am not a US Person, why do you need me to complete and submit a W8-BEN form/ W-8BEN-E form?

      When our customers who are not US Persons choose to invest in US securities, they are required to furnish us with a W8-BEN (for individuals) or W-8BEN-E form (for non-individuals) to declare their non-US Person status as well as whether they would be the beneficial owners of the income to be distributed in respect of such US securities. Submission of the W8-BEN form/ W-8BEN-E form does not exempt you from the US withholding tax imposed on dividends. This means, dividend payments are always net of withholding tax when credited to your account.

    • I am not a US Person, am I subject to any US withholdings tax for my investments in US securities?

      Generally, we apply a US withholding tax rate of 30% on any US sourced income for customers who are non-US Persons. Where dividends are declared, dividend payments are always net of withholding tax when credited to your account. Customers are responsible for all taxes, duties and charges (including but not limited to tax reporting and withholding obligations) of any kind arising pursuant to the services performed by the Bank or transactions conducted with or through the Bank. The Bank is unable to provide any tax advice; you may wish to seek independent tax advice or contact the relevant tax authority for advice on your tax obligations.

    Technical Support
    • I have been locked out of my account, and when I try logging in again I encounter the error message < You are still logged in to your previous session. Please try again in 15 minutes

      This happens when you don't logout from your Online Banking / Online Trading session properly. In order to avoid this, please remember to log out from your Online Banking / Online Trading session properly by clicking on the "Logout" button.

    • What happens if the page crashes when I was placing a trade?

      You can enquire the status of your orders through "Order Enquiry" page or enquire the same via Phone Banking. If you require further assistance, you may call our Online Trading Hotline at 1800 242 5333 (local) or +65 6242 5333 (from overseas) for assistance.

    • Who do I contact if there is a system issue?

      You may call our Online Trading Hotline at 1800 242 5333 (local) or +65 6242 5333 (from overseas) for assistance.

    • What are the system requirements for using the Online Trading Platform?
      • Internet Browser (IE, Safari, Chrome, Firefox, all major browsers available in market)
      • Accessible from Laptop , Desktop, Mac Book & iPad
    • What should I do if I’m unable to load the Online Trading Platform on my browser?
      • You may need to refresh your browser settings. Please click here for steps. Please contact our Online Trading Hotline at 1800 242 5333 (local) or +65 6242 5333 (overseas) for further assistance.

    The information set out on this page is intended to provide general information and should not be treated as legal advice or a substitute for specific legal advice. Standard Chartered Bank (Singapore) Limited does not warrant its accuracy or completeness or accept any liability for any loss or damage arising from any reliance thereon. Information is correct as at the date of publication but may be subject to change without prior notice.

    Pay-Any-Card

    • What is Pay-Any-Card service about?

      Pay all your credit card bills within Standard Chartered Online Banking. Any Visa or MasterCard cards with any banks are acceptable. Card payments can also be performed on your iphone anytime, anywhere.

    • Who is Pay-Any-Card for? Who is eligible for it?

      In Singapore, Pay-Any-Card service is only available to Standard Chartered Online Banking customers who hold a Current, Savings or Personal Credit account with us. If you're an existing Standard Chartered customer without an Online Banking ID, simply register and be on your way to use Pay-Any-Card service.

    • Do you need to register for Pay-Any-Card service?

      No registration is required. Standard Chartered customers can use this service as long as they have valid Online Banking IDs and hold a Current, Savings or Personal Credit account.

    • Do I have to pay to use this Pay Other Bank's Credit Card service?

      This service is free of charge

    • How do I access Pay-Any-Card service?

      You can access this service by:

      1. Log in to Online Banking with your username and password
      2. Click "Payments & Transfers" on the left menu panel
      3. Click "Pay other Banks Credit Cards"
      4. Add Payee by entering Payee Details

    • What are the types of Standard Chartered accounts I can pay from?

      You can pay from a Standard Chartered Current or Savings account or Personal Credit account.

    • What are the types of Credit Cards I can pay to?

      You can pay to any Visa or MasterCard Card issued in Singapore only. American Express and Diner's Club cards are currently not applicable under this service. Pay-Any-Card is also not applicable for personal loan accounts and funds transfer accounts.

    • Is there a limit on the amount I can pay other Bank's Credit Cards?

      Yes. The maximum payment limit per Pay-Any-Card instruction is S$15,000, subject to a daily cap of S$20,000 per customer or account limit cap, whichever is lower.

    • Is there a daily cut-off time for the Pay-Any-Card service?

      Yes. All payment requests made after 11pm will be treated as next day's transaction. Payment requests made before 11pm are expected to be credited to beneficiary card within 2 business days.

      Example: Your credit card payment due date with another bank is on 31 May. You should make payment using Pay Other Bank's Credit Card before 11pm on 29 May. In addition, you are responsible for all the late payment charges if any, imposed another bank for the delay in your credit card payment.

    • How do I know if the payment request has been submitted successfully?

      You can check the status of your payment request by:

      • Logging into online banking
      • Under Payments & Transfers > Payments / Transfers History
      • Check if the status is "Successful" or "Rejected"

    • What if the Visa or MasterCard is issued in a foreign currency?

      For Visa or MasterCard credit cards issued in a foreign currency, the transferred amounts will be in Singapore dollars and will be converted into the applicable foreign currency by the Beneficiary Bank at its prevailing exchange rate.

    • What if I provide an inaccurate account number or submit a wrong payment amount?

      You have to ensure to provide the accurate number of the Beneficiary Card and the accurate transfer amount. Standard Chartered Bank (Singapore) Limited is not responsible for an erroneous credit if an erroneous Beneficiary Card number and/or transfer amount is provided by the user, and the Bank shall not be liable to reverse such erroneous credit to the Beneficiary Card.

    • How long will it take for the funds to be credited to my other Banks' Credit Card account?

      Standard Chartered Bank (Singapore) Limited shall endeavor to send the transferred amount within 24 hours of the Pay-Any-Card instruction, provided however the Bank is not responsible for the period within which the proceeds are received by the Beneficiary Bank and credited to the Beneficiary Card.

Call Us

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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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