Features

Enjoy a one-stop solution for your securities trading needs with our Online Trading platform. Gain access to 15 major stock exchanges in the world and trade with greater convenience on our multi-channel platform, where you can trade via any web-enabled devices, tablets, and mobile devices. Up your purchasing power as your sales proceeds can be used immediately for your next purchase of the same currency. Wealth lending solutions are also available at attractive rates if you require extra liquidity1. That’s smart trading.

1Terms and conditions apply. Subject to market conditions, Secured Wealth Lending may increase your potential gains or magnitude of loss as compared to investing without Secured Wealth Lending.

Connectivity

Trade online across 15 major stock exchanges wherever you are. Access to securities and Exchange Traded Funds (ETFs) in just a few clicks.

world-map

What is Secured Wealth Lending?

Our Secured Wealth Lending Facility is an overdraft facility obtained against financial assets held with, and acceptable to the Bank up to a percentage of their prevailing market value.

Collateral Type Indicative Loan to Value (LTVs)* Subject to portfolio
concentration caps
Cash Deposit Up to 100% No
Equities Up to 70% Yes
ETFs Up to 80% No
Mutual Funds and Hedge Funds Up to 80% No
Bonds Up to 90% Yes
Structured products Up to 90% Yes
Premium Currency Investments (PCIs) Up to 80% No
Single Premium Life policies Up to 90% of the Day 1 Cash Surrender Value No

* The LTVs above are indicative only and are subject to immediate change by the Bank at its sole discretion.

Your available credit limit under this facility will be determined based on a range of factors such as the type of financial assets you use as a security pegged together with its prevailing market value and the concentration of the financial assets within your portfolio held with the Bank. The credit limit available to a Borrower is subject to the Bank’s internal assessment and valuation, and may be reviewed from time to time.

Loan to Value (LTV) + Security Margin (as defined in our Bank’s Investment Product Terms) = Market Value (100%)


To find out more about your equities holdings’ Loan To Value (LTVs), you can either refer to the LTV columns in your portfolio or contact your Relationship Manager.

Risks of Secured Wealth Lending

Leverage risks

Depending on market conditions, the value of your collateral may fall. You may then be called upon to “top up” your account by substantial amounts or to repay your outstanding credit facilities at short notice. If you fail to do so, the Bank may have to liquidate your collateral at a loss to repay any amount outstanding and you would be liable for any amounts still owing subsequently. It is important to note that Secured Wealth Lending can also magnify investment losses.

Interest rate risks

The interest rate of your credit facility may increase, resulting in a higher interest payment amount for the facility.

Foreign exchange risks

Your credit facilities may be subject to additional foreign exchange risks if they are taken in a different currency other than that of your collateral. If the exchange rate moves against you, the repayment amount of the facilities may be affected.

Change in credit Loan-to-value (LTV) ratio

LTV ratios are subject to periodic review and may change within a short period of time. When the LTV of your collateral is reduced, you will need to have sufficient liquidity to repay your outstanding credit loan or pledge additional collateral as security for the credit facility.


A wealth lending settlement account(s) will be opened for you when your wealth lending facility is approved. Please refer to the important information below for information on the Singapore deposit insurance scheme relating to the deposits in your wealth lending settlement account(s):

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Disclaimer

Standard Chartered Bank (Singapore) Limited (“SCBSL”) is a subsidiary of Standard Chartered Bank, which is licensed to conduct banking business under the Singapore Banking Act, Chapter 19, and Standard Chartered Bank is a foreign company registered in Singapore under the Companies Act, Chapter 50. Investment products and foreign currency deposits are excluded from the coverage of Singapore’s Deposit Insurance And Policy Owners’ Protection Schemes Act 2011. The contents in this website are for general information only and does not constitute an offer, recommendation, solicitation to buy or sell any products or services such as securities, regulated investment agreement or collective investment scheme, amongst others. SCBSL will not accept any responsibility or liability of any kind, with respect to the accuracy or completeness of the information herein. The contents in this website are for general evaluation only and has not been prepared to be suitable for any particular person or class of persons. SCBSL makes no representation or warranty of any kind, express, implied or statutory regarding this document or any information contained or referred to herein.

Connectivity

Trade online across 15 major stock exchanges wherever you are. Access to securities and Exchange Traded Funds (ETFs) in just a few clicks.

world-map

What is Secured Wealth Lending?

Our Secured Wealth Lending Facility is an overdraft facility obtained against financial assets held with, and acceptable to the Bank up to a percentage of their prevailing market value.

Collateral Type Indicative Loan to Value (LTVs)* Subject to portfolio
concentration caps
Equities Up to 70% Yes
ETFs Up to 80% No

* The LTVs above are indicative only and are subject to immediate change by the Bank at its sole discretion.

Your available credit limit under this facility will be determined based on a range of factors such as the type of financial assets you use as a security pegged together with its prevailing market value and the concentration of the financial assets within your portfolio held with the Bank. The credit limit available to a Borrower is subject to the Bank’s internal assessment and valuation, and may be reviewed from time to time.

Loan to Value (LTV) + Security Margin (as defined in our Bank’s Investment Product Terms) = Market Value (100%)


To find out more about your equities holdings’ Loan To Value (LTVs), you can either refer to the LTV columns in your portfolio or contact your Relationship Manager.

Risks of Secured Wealth Lending

Leverage risks

Depending on market conditions, the value of your collateral may fall. You may then be called upon to “top up” your account by substantial amounts or to repay your outstanding credit facilities at short notice. If you fail to do so, the Bank may have to liquidate your collateral at a loss to repay any amount outstanding and you would be liable for any amounts still owing subsequently. It is important to note that Secured Wealth Lending can also magnify investment losses.

Interest rate risks

The interest rate of your credit facility may increase, resulting in a higher interest payment amount for the facility.

Foreign exchange risks

Your credit facilities may be subject to additional foreign exchange risks if they are taken in a different currency other than that of your collateral. If the exchange rate moves against you, the repayment amount of the facilities may be affected.

Change in credit Loan-to-value (LTV) ratio

LTV ratios are subject to periodic review and may change within a short period of time. When the LTV of your collateral is reduced, you will need to have sufficient liquidity to repay your outstanding credit loan or pledge additional collateral as security for the credit facility.


A wealth lending settlement account(s) will be opened for you when your wealth lending facility is approved. Please refer to the important information below for information on the Singapore deposit insurance scheme relating to the deposits in your wealth lending settlement account(s):

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Disclaimer

Standard Chartered Bank (Singapore) Limited (“SCBSL”) is a subsidiary of Standard Chartered Bank, which is licensed to conduct banking business under the Singapore Banking Act, Chapter 19, and Standard Chartered Bank is a foreign company registered in Singapore under the Companies Act, Chapter 50. Investment products and foreign currency deposits are excluded from the coverage of Singapore’s Deposit Insurance And Policy Owners’ Protection Schemes Act 2011. The contents in this website are for general information only and does not constitute an offer, recommendation, solicitation to buy or sell any products or services such as securities, regulated investment agreement or collective investment scheme, amongst others. SCBSL will not accept any responsibility or liability of any kind, with respect to the accuracy or completeness of the information herein. The contents in this website are for general evaluation only and has not been prepared to be suitable for any particular person or class of persons. SCBSL makes no representation or warranty of any kind, express, implied or statutory regarding this document or any information contained or referred to herein.

Smart Trading Tools

Designed with you in mind, the platform is engineered for a seamless trading experience to seize investment opportunities.

Intuitive smart stock search function with prompts put in place for a faster and simpler experience.

An ETF (Exchange Traded Funds) selector tool to help filter ETFs available for online trading.

Technical and fundamental stock analysis tools are in place to help analyse market movements and identify the market entry or exit points.

Profit and loss calculator is offered to provide clarity on fees and charges on trading transactions, and help calibrate the target buy/sell price to meet the profit clients wish to achieve.

Customer Account Review (CAR) declaration and transfer of shares can now be completed online, saving time and providing the convenience of managing your wealth on-the-go.

Low Brokerage Fees

We offer trading with low brokerage fees and zero custody fees. There is no minimum brokerage fee levied on Priority Banking customers.

Current Fees (with effect from 1 August 2016)

  Brokerage Rate - SGX Brokerage Rate - All Other Markets Minimum Brokerage Amount*
Priority Banking Clients 0.18% 0.20% $0
Personal Banking Clients 0.20% 0.25%
  • $10 if shares are traded in AUD, CHF, GBP, SGD & USD currencies ($10.70 with 7% GST)
  • 1000¥ in JPY currency (1070¥ with 7% GST)
  • $100 in HKD currency (HKD107 with 7% GST)

*Minimum brokerage amount is calculated in the currency of the shares traded in.
*To qualify as a Priority Banking customer, an Eligible Customer must have successfully established a Priority Banking relationship with the Bank and maintain at least S$200,000 (or its equivalent in another currency) of assets under management with the Bank.


Share Transfer Fees

Please be reminded that all share transfers are subjected to below fee

Type of Transfer Change in Beneficial Ownership Transfer Fee Amount Description
Singapore Shares to and from CDP No S$10.00 (S$10.70 inclusive of 7% GST) Per counter, per transfer
Singapore Shares to and from CDP Yes S$10.00 (S$10.70 inclusive of 7% GST) Per counter, per 1000 shares Up to a maximum of
S$107.00 per counter
Foreign Share Transfer inwards All FREE Change of beneficiary
not allowed for UK, FR and HK shares
Internal Transfer (within SCB) All FREE Change of beneficiary
not allowed for UK, FR and HK shares
Foreign Share Transfer outwards All For foreign shares, charges are based on
the currency of the shares traded in,
regardless of the Exchange the shares
are listed on

Trading currency and the respective charges

AUD : 15 AUD
CHF : 16 CHF
GBP : 6.5GBP
USD : 13 USD
EUR : 10 EUR
HKD : 102 HKD
JPY : 1,610 JPY
Change of beneficiary
not allowed for UK, FR and HK shares

*Applicable on SGD balances only, click here for detailed Terms & Conditions. Rates are for illustrative purpose and are subjected to change depending on the respective 1M SIBOR as at 11:00 Singapore time on the first business day of the relevant calendar month. 2.31% is computed based on 1M SIBOR + 1.30%. The 1M SIBOR is 1.01% as at 1 November 2017.

Platform announcement :

The validity period of GTD / Good till Date orders is now extended from 7 to 14 calendar days. Visit https://www.sc.com/sg/help/faqs/bank-with-us-faqs/#online-trading for more information

Online Trading Promotion (2nd Oct to 31st Dec 2017) :

Receive a tablet worth S$498 when you trade a total transaction value of S$1,000,000 through SCB Online Trading Platform. Valid till 31 December 2017. Click Terms and conditions .

Get Started

To start trading on our Online Trading platform, here is what you need to do:

If you are What you need to do
Currently holding an Online Trading Account with us Log-in to Online Banking to start trading now.
Currently holding a Current/Savings Account with us and have Internet Banking access, Log-in to iBanking and complete the Online Trading application form

Login
Not currently holding a Current/Savings Account with us Visit our branches.

To reduce time spent at the branch, complete the relevant application forms prior to visiting the branch:

Register Now
For more information, get in touch now

Online Trading User Guide

Learn about the features of our upgraded Online Trading Platform.

 

Mobile Trading Guide

 

Contact Me

Alternatively, please complete our contact form and we will be in touch as soon as possible.

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Call Us

Call our hotline for further information.

1800 2425333

Locate Us

Visit the branch that is nearest to you.

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Important Disclaimers

This document is for general circulation only and does not constitute an offer, recommendation or solicitation of an offer to enter into a transaction or adopt any hedging, trading or investment strategy. It has not been prepared for any particular person or class of persons and does not constitute and should not be construed as investment advice nor an investment recommendation. It has been prepared without regards to the specific investment objectives, financial situation or particular needs of any person. You should seek advice from a financial adviser on the suitability of an investment for you, taking into account these factors before making a commitment to invest in an investment.

You are fully responsible for your investment decision, including whether the Online Trading service is suitable for you. The products/services involved are not principal-protected and you may lose all or part of your original investment amount.


Deposit Insurance Scheme:

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. For clarity, these investment products are not deposits and do not qualify as an insured deposit under the Singapore Deposit Insurance and Policy Owners’ Protection Schemes Act 2011.