About the Service
Application For the Service
First Time Login (New Customers)
Login For Existing Customers
Second Factor Authentication (2FA)
Additional Logon PIN (ALP) via SMS
Additional Logon PIN (ALP) via Security Token
Account Information and Services
Funds Transfer
Bill Payments
International Funds Transfer
 
 
 
eCashier’s Order
Credit Card Services
Loans Services
Personalization
eStatements
Rates Enquiry
Applications
Hardware and Software (System Requirements)
Security
Troubleshooting

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 eStatement 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?
    a) Ensure that you have a PC with the required configuration.
    b) Ensure that you have received the Internet Banking Temporary ID either our Phone Banking agent or Branch,         depending on how you registered.
    c) Make sure that you have received your Temporary Password via SMS or PIN Mailer based on your preference.
    d) Visit Standard Chartered website at http://www.standardchartered.com.sg/. Select “Login to Online Banking”
    e) Once you see the Login Page, click on ‘First time login or re-registration” link. Proceed to accept Terms and Conditions
    f) At First Time login Page, Key in your Temporary ID and Temporary Password
    g) 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: -

      1. SMS directly to customer’s registered mobile phone – Instant upon registration
      2. 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 if I forget my Username and Password?
    You can contact our Customer Service Officer at 1800 747 7000 or visit any of our branches.

     

    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.

     
     

    Second Factor Authentication (2FA)

     
     

    What is Second Factor Authentication (2FA)?
    Second Factor Authentication (2FA) is an additional layer of security used by the bank to verify customer’s online identity. With 2FA, Standard Chartered Internet banking customers will be required to provide a unique Additional Logon PIN (ALP) for accessing personal account details and to perform online transactions.

    This is in addition to the existing Internet banking Username and Password and in line with the recommendations from The Monetary Authority of Singapore (MAS) for all banks to adopt two-factor authentication (2FA) for better online banking security.

     

    What is Standard Chartered’s approach to 2FA for retail banking customers?
    Since November 2006, the bank has deployed an SMS-based solution for retail banking customers whereby the ALP is received via SMS sent to their mobile phones.

    To provide further flexibility and conveniences, the bank will offer the security token from October 2007 onwards as another 2FA option for our customers.

     

    What is Additional Logon PIN (ALP) via SMS and how does it works?
    The Additional Logon PIN (ALP) which is a single-use password can be obtained via SMS through customers mobile phones. Customers using this 2FA mode will be required to have a mobile number registered with the bank.

     

    What is Additional Logon PIN (ALP) via Security Token and how does it works?
    The Additional Logon PIN (ALP) which is a single-use password that is obtained from a Security Device (Token) issued by Standard Chartered Bank (Singapore) Limited. Customers using the Security Token just need to press the green button on the device to retrieve the 6-digits PIN.

     
    Can I choose not to use ALP for Standard Chartered’s Internet Banking?
    It is compulsory to use the ALP should you wish to perform online banking transactions or access to account details in our Internet banking. This will ensure that only authorised customers can gain access to highly sensitive banking information.
     
     

    Additional Logon PIN (ALP) via SMS

     
     

    How do apply for ALP via SMS?
    By default, Internet banking customers who has registered their mobile numbers with the bank will be able to receive ALP via SMS through their mobile phones.

     

    What do I need in order to receive the Additional Logon PIN (ALP) via SMS?
    In order to obtain your ALP, you need to ensure that your existing mobile phone number registered with our Bank is valid and current.
    To update your mobile number, simply call our Customer Service Hotline for instant update or visit any of our branches to fill up the Update of Personal Particulars Form.

     

    What if my mobile phone is stolen/ lost?
    In the event that you lose your mobile phone, please call us at 1800 747 7000 to log a report. We will then temporarily suspend your Internet Banking account until you have provided us with your latest mobile phone number.

     

    Will I incur any charges for receiving ALP via SMS?
    No. The bank will pay for any outgoing SMS sent to customers. You will not be charged for incoming local SMS.

    However, if you are receiving an SMS while traveling overseas, there may be an incoming charge for the SMS depending on the country specific telecommunications companies.

     

    Do I still need to use the Additional Online PIN (AOP) for registration of third party Funds Transfer as well as to update my particulars?
    No. You need not use AOP for both functions once ALP is implemented.

     

    Can I access my Internet Banking overseas using ALP via SMS?
    Yes, you should be able to access to your Internet Banking in most of the countries. Please ensure that your mobile phone is registered with the bank and is enabled with global roaming service.

     
     

    Is ALP via SMS applicable to me if I am an SME customer who is currently using Internet Banking?
    Yes, this chosen method of 2FA is also applicable to SME customers using our Internet Banking.

     

    What if I do not own a mobile phone or I am sharing a mobile phone?
    If you do not own a mobile phone, kindly contact our Service Consultants at 1800 747 7000 to request for a security token to be issued to you. 

    The bank does not encourage users of our Internet Banking service to share mobile phone numbers for logon. At any one time, only one customer with the same registered mobile phone number is allowed to logon to our Internet Banking.

     

    How long will my ALP be valid?
    Your ALP will only be valid for 15 minutes after which it will expire and cannot be used for logon. You need to re-enter the first level Internet Banking ID and Password at our main logon page in order to activate a new ALP to be sent to you.

     

    I am not able to receive ALP after I have logon using my existing Internet Banking ID and Password, why is it so?
    If you are unable to receive, it could be due to the following reasons:

    • You have not registered your mobile number with us. You can do so by calling our Customer Service Hotline at 1800 747 7000 for instant registration or visiting us at any of our branches to fill up the form to update your personal particulars.
    • You are using a mobile phone number other than your registered mobile phone number. You can only receive your ALP with your current and registered mobile phone number. To update your mobile number, simply call our Customer Service Hotline for instant update or visit any of our branches to fill up the Update of Personal Particulars Form.
    • Your mobile number is registered to more than one account owner and it is currently being used by the other account owner for logon. Please wait for the other account holder to successfully log out of his or her Internet Banking session before you try to logon again.
    • You will not be able to receive SMS if you are located in Japan or Korea and your mobile phone is currently under roaming.

    Please kindly contact our Service Consultants at 1800 747 7000 for further assistance.

     

    I have confirmed that my mobile phone number is updated and current but I am still unable to receive the ALP, what should I do?
    If you are still unable to receive your ALP although your mobile number is confirmed updated and current, it could be due to the following reasons:

    • You could be one of those who have recently switched your mobile phone service provider but still retaining your old mobile number. You may experience non-receipt or delayed SMS, as it is a known problem on portability between difference local telecommunication service providers.
    • Our SMS gateway could be on maintenance and the system may be experiencing temporary downtime.
    • There may be some service delays or interruptions by your mobile service providers.  Delays could arise due to high SMS load, e.g. festive seasons, service outage, earthquakes, etc.
    • Your mobile phone may be out of network coverage.  Please check the signal strength on your phone.  You may need to shift your phone to an area where there is better network coverage.
    • Your SMS inbox of your phone may be full.  You will need to delete some SMS from your phone inbox before new incoming SMS can be received.

    If the problem persists, please kindly contact our Service Consultants at 1800 747 7000 for further assistance.

     
     

    Additional Logon PIN (ALP) via Security Token

     
     

    How do I apply for a Security Token?
    You can apply for a security token if you have difficulty in receiving SMS through your mobile phone. Simply visit us at any of our branches or simply download the application form online and mail it back to us.

     

    How do I use the Security Token to retrieve the ALP?
    To retrieve the ALP via the Security Token, simply press the green button located on the left-hand side to obtain your 6-digits ALP. At the ALP page, input the Security Token Pin and click submit to proceed to transactions. 

     

    When do I need to use the Security Token to retrieve the ALP?
    You will need to use your Security Token each time you access your online account details and to perform transactions.
    You will require all of the following:
    - Your Existing Internet Banking User ID
    - Your Existing Internet Banking PIN
    - Your Security Token

     

    Can I use the Security Token when I travel overseas?
    Yes, you can bring your Security Token along with you when traveling overseas and access our Internet Banking services any where, any time.

     

    Do I have to pay for applying the Security Token?
    No. The Security Token will be issued to you free for the first time as part of our commitment to our customers. The device has a long lifespan of up to 5 years before it needs to be replaced. In line with other banks practice, there will be a replacement charge of $20 (subject to GST) for lost token issued by Standard Chartered Bank (Singapore) Limited.

     

    What if my Security Token is misplaced or damaged/ dysfunctional?
    You will need to apply for a replacement Token of which $20 fee applies. Please kindly contact our Service Consultants at 1800 747 7000 for further assistance.

     

    Is ALP via Security Token applicable to SME customer who is currently using Internet Banking?
    Yes, this chosen method of 2FA is also applicable to SME customers using our Internet Banking services. You can request for token by downloading the Electronic Banking form on our public website. The form will have to be completed and duly signed by the authorized owners. For assistance call our Service Consultants at 1800 743 3000 or contact your respective Relationship Managers.

     

    How long will my ALP via Security Token be valid?
    Your Security Token ALP will only be valid for 30 seconds. After 30 seconds, it will generate randomly another unique 6 digits PIN.

     

    Can I have more than 1 Security Token for the same account if I pay for additional one?
    Every Security Token is unique and only 1 token will be tied to each individual. After receiving your Security Token, this Token will be tagged to you and only you will be able authorized to access our Internet Banking.

     

    When I login to Internet banking, I am prompted to enter the ALP using the Security Token. However I have yet to receive my security device. What should I do?
    If you are a new Internet Banking customer, kindly wait for 4 working days for the Token to be delivered to you via mail.

    If you still have yet to receive your Security Token, please contact our Service Consultants at 1800 747 7000 for further assistance. If you are a SME customer, please contact us at 1800 743 3000.

     

    I have multiple addresses registered with the bank. Which mailing address will the Security Token be mailed to?
    Your Security Token will be mailed to the address that is tagged to your primary profile with us. If you have changed your address, kindly update your current address with us to ensure your Security Token is sent to the right address.

     

    How do I update my address with the bank?
    Please call our service consultant at 1800 747 7000 for an instant address update. Alternative you can visit our branch or our bank website and download the ‘Personal Particulars Update’ form.

     

    Can I opt out of this 2FA and not be issued with a Standard Chartered Security Token?
    2FA is compulsory for all Internet banking customers should you wish to access our Internet banking for your account details and to perform transactions. Should you not wish to use the Security Token, you can opt for our 2FA via SMS.

     

    After several attempts, why does the system not recognize any of the 6-digits PIN displayed on the Token?
    As a security feature, the dynamic ALP is unique, such that it is only valid for 30 seconds. If you entered an ALP that has already expired, please press the button found on the front of the Security Token to generate another ALP and try entering this ALP again. If the problem persists and you are still unable to access Internet Banking, please call our Service Consultants at 1800 747 7000.

     

    How do I replace the battery in my Security Token issued by Standard Chartered Bank (Singapore) Limited?
    Kindly do not attempt to open up your Token to change the battery as it may cause it to malfunction. The battery for your Security Token should last for 5 years and you should not require a battery replacement. If your Security Token’s battery is low, it will display the word “BATT”. You should contact our Service Consultants at 1800 747 7000 for your replacement of Security Token.

     

    How do I maintain my Security Token?
    Keep your Security Token in a dry and safe place at normal room temperature. Leaving your Token in a place with too high or low temperatures (e.g. under the sun) may cause the plastic shell to be damaged and you may experience problems with it later. Please also do not leave your Token near objects that emit strong magnetic fields (e.g. mobile phone).

     
     

    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

    eStatement*
    View eStatement
    eStatement Subscriptions
    eStatement 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’.

    It is important that you provide the information correctly to effect the transfer. If you are unsure of any of the aforementioned requirements, you are advised to contact the payee bank. The payee bank reserves the right to return any instructions of incomplete/ invalid payee branch codes and account number.

     

    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?
    You can add 10 Interbank account payee and 10 Standard Chartered account payee.

     
    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 download and complete the ‘Increase Transfer Limit Application Form” available at <My Preference> service and mail back to the Bank for processing. The maximum daily limit allowed is S$50,000.

    For transfer of funds to other Bank’s accounts, you can transfer up to your daily-personalized limit unless you have lowered the Transfer limit to a personal amount.

     

    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 <My Preference> to reduce your daily transfer limit. However, please note that if you wish to revert to a higher transfer limits or the original maximum daily limit, you will have to write in to us using designated ‘Increase Transfer Limit Application Form”.

     

    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 new 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 various details of the payee. Funds can then be transferred to the existing payee.

     

    What are the advantages of doing International Funds Transfer online?
    Online International Funds Transfer has the following advantage:

    • You can perform the fund transfer at anytime of the day and any where across borders
    • Save the hassle of queuing at the branch
     
    Do I have to pay for using this facility? Is there extra charge for this facility?
    The charges and fees are as follow:
    • Handling commission – 1/8% min SGD30/USD20 max SGD100/USD70
    • Comm in lieu – 1/8% min USD10 max USD700
    • Cover cable – SGD20/USD15
    • Overseas bank charges – SGD50/USD28
     

    Will the foreign exchange rate displayed online the actual rate 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 rate use to process the transaction.

     

    Is there a limit to how much I can transfer daily?
    Yes, all telegraphic transfers are subjected to a daily limit of SGD 20,000.00 or equivalent daily.

     

    When will my transaction be processed? Can I track my transaction status?
    All telegraphic transfer submitted before 3:30pm (Mon-Fri) will be processed on the same business day. Any application submitted after 3:30pm or on public holidays, Saturday and Sunday will only be processed on the next working day.

     

    Can I track my transaction status?
    You can check your debiting account to verify that the transaction has been effected. Alternatively, you can check under the payment and 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 received 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 a 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 Cheuqes 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

     
     
    1.1. 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.

     

    1.2. 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) Bank. 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.

     
     

    eStatements

     
     

    What is eStatement?
    eStatement is an electronic version of your account statement delivered directly to your email address.

     

    How much does the eStatement service cost?
    There is no fee to enroll or use the e-Statement service.

     

    Can I access the eStatement any where in the world?
    Yes, as long as you can access your email, you will be able to retrieve your eStatement.

     

    How often do I receive my updated eStatement?
    e-Statements 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 e-Statements via Internet Banking?
    Yes, you can change your subscription from paper statements to eStatement. Simply go under ‘eStatements’ located on the left navigator and select ‘Subscriptions’.

     

    Can I view my past eStatements online?
    eStatement is archived for 12 months from the date of subscription.

     
     

    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
  • 32 MB RAM or higher
  • minimum, 800 x 600 screen resolution
    SVGA or higher resolution monitor, 256 colours
  • Modem of 56kbps or higher
  • Microsoft Windows 95/98/NT/2000/XP operating
      system
  • Netscape Communicator Version 4.6 or above*
      (Note: currently Netscape 6.x not supported)
  • Mozilla Version 1.7.7 and above
  • Mozilla Firefox Version 1.0.4 and above
  • Microsoft Internet Explorer Version 5.01 with
    Service Pack 2 or above*

    * - To make use of the 128-bit SSL encryption and enjoy the highest level of security, we strongly recommend that you upgrade your browser to Internet Explorer version 5.01 and above, Netscape Communicator 4.7 and above (Note: currently Netscape 6.x do not support), Mozilla verion 1.7.7 or Mozilla Firefax version 1.0.4.

     

    How do I know the version of the browser I’m using?
    If you are using any of the following browser:

    Netscape Communicator Internet Explorer
    Click on [Help]
    Click on [About Communicator…]

    Click on [Help]
    Click on [About Internet Explorer]
    Click on [OK]

    Mozilla Mozilla Firefox

    Click on [Help]
    Click on [About Mozilla]

    Click on [Help]
    Click on [About Mozilla Firefox]
    Click on [OK]

     

    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.
    If you suspect they are due to lost/stolen PIN, please call our Customer Service Hotline at 1800 747 7000 to terminate PIN immediately. The Bank will issue you a new set of ID and PIN.
    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

    Or perform the virus scan in your PC to ensure it is free from virus attack.

     

    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?

    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

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