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Overseas card usage: FAQs

  1. Why is the overseas card usage function on my ATM / debit / credit card disabled?
    The overseas card usage function has been disabled by default for all Standard Chartered cards to provide a higher level of security for all cardholders, and is part of an industry-wide measure introduced by the Association of Banks in Singapore.
  2. How do I know if my credit/debit card is currently enabled or disabled for overseas usage?
    You would have received an automatic reply notification via SMS from the Bank notifying you on whether your card has been enabled or disabled for overseas usage.
  3. How do I enable/disable the overseas card usage function on my ATM / credit / debit card(s)?
    You can click on this link to enable/disable your card for overseas usage online or log in to the Standard Chartered Mobile App to do so.
     
    Please note that this can only be done after your card has been activated. Principal cardholders are required to enable/disable this function for supplementary cards (if any).
     
    Refer to this link for more information.
  4. Why am I able to make EMV chip transactions when I did not activate the overseas card usage function on my credit/debit card?
    The overseas card usage function only applies to overseas ATM cash withdrawals and credit/debit card magnetic stripe transactions. This means that your card can still be used overseas at POS terminals and/or ATMs for EMV chip transactions.
     
    You may want to enable the magnetic stripe of your card(s) for overseas use as the EMV chip is not widely accepted in some countries.
     

    *Note: “POS” stands for Point-of-Sale and “EMV” stands for Europay, Mastercard and Visa.
     

  5. What is the difference between magnetic stripe and EMV chip transactions?
    Magnetic strips behind your card contain your credit card information and are easy to clone. EMV chips contain a microprocessor chip that uses encryption to prevent its contents from being replicated.
     
    In Singapore, EMV chip cards are recognised by the Monetary Authority of Singapore to have a higher level of data security than magnetic stripe-only cards to protect against card fraud.
     
    For magnetic stripe transactions, the merchant sales staff will swipe your card. For EMV chip transactions, your card will be inserted into the POS terminal.
    Please note that merchants in some countries – such as USA, Japan and Korea – still predominantly use magnetic stripe-only terminals. As such, you will need to activate your card for overseas usage to perform magnetic stripe transactions.
  6. How do I disable the EMV chip on my credit/debit card?
    There is no option for this at the moment as the EMV chip remains active for local and overseas transactions