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Proceed

How would you like to apply?

I am NOT an existing Standard Chartered Current/Checking/Savings Account holder

*SingPass holders with a MyInfo profile can use MyInfo to automatically fill up the form. By clicking “Next”, you will be re-directed to the MyInfo portal, which is not owned or controlled by Standard Chartered Bank (Singapore) Limited or any member of the Standard Chartered Group (the “Bank”). The Bank bears no liability or responsibility over your usage of the MyInfo portal.

*Please note that MyInfo is temporarily unavailable at the stipulated downtimes:

Mon, Tues, Thurs, Fri, Sat:  5:00AM to 5:30AM. Wed: 2:00AM to 6:00AM. Sun: 2:00AM to 8:30AM

I am an existing Standard Chartered Current/Checking/Savings Account holder

    How would you like to apply?

    I am NOT an existing Standard Chartered Current/Checking/Savings Account holder

    *SingPass holders with a MyInfo profile can use MyInfo to automatically fill up the form. By clicking “Next”, you will be re-directed to the MyInfo portal, which is not owned or controlled by Standard Chartered Bank (Singapore) Limited or any member of the Standard Chartered Group (the “Bank”). The Bank bears no liability or responsibility over your usage of the MyInfo portal.

    *Please note that MyInfo is temporarily unavailable at the stipulated downtimes:

    Mon, Tues, Thurs, Fri, Sat:  5:00AM to 5:30AM. Wed: 2:00AM to 6:00AM. Sun: 2:00AM to 8:30AM

    I am an existing Standard Chartered Current/Checking/Savings Account holder

      Clothing, Apparel, Person

      Pricing Guide

      Savings Accounts
      e$aver

        

      Types of Fees
      Personal Banking
      Priority Banking
      Fall-below fee S$5 per month if average daily balance for the month falls below S$1,000 Waived
      Counter transaction fee S$5 per cash withdrawal Waived
      Unlimited$aver
      Types of Fees
      Personal Banking
      Priority Banking
      Fall-below fee S$5 per month if average daily balance for the month falls below S$3,000 Waived
      MyWay
      Types of Fees
      Personal Banking
      Priority Banking
      Fall-below fee S$10 per month if average daily balance for the month falls below S$50,000 Waived
      Jumpstart
      Types of Fees
      Personal Banking
      Priority Banking
      Fall-below fee Waived Waived
      Debit Card Annual Fee Waived Waived
      Basic Bank Account
      Types of Fees
      Personal Banking
      Priority Banking
      Monthly service charge S$2* (regardless of balance) Waived
      Early account closure fee (within 6 months) S$30 Waived
      Passbook replacement fee S$30 Waived
      * Waived for beneficiaries under of the MSF Public Assistance Scheme/Special Grant Scheme
      Savings Account (also known as Supersave account)
      Types of Fees
      Personal Banking
      Priority Banking
      Fall-below fee S$5 per month if average daily balance for the month falls below S$2,000 Waived
      Monthly service charge S$5 Waived
      Early account closure fee (within 6 months) S$30 Waived
      Passbook replacement fee S$30 Waived
      Current Accounts
      Wealth $aver
      Types of Fees
      Personal Banking
      Priority Banking
      Fall-below fee S$5 per month if average daily balance for the month falls below S$3,000 from the second month after account opening Waived
      Monthly service charge S$2 Waived
      Unarranged overdraft Prime + 5%, minimum S$5 Prime + 5%, minimum S$5
      Early account closure fee (within 6 months) S$30 Waived
      Debit Card Annual Fee S$20 (inclusive of GST) Waived
      Cheque book S$10 per cheque book requested Waived
      Bonus$aver
      Types of Fees
      Personal Banking
      Priority Banking
      Fall-below fee S$5 per month if average daily balance for the month falls below S$3,000 Waived
      Early account closure fee (within 6 months) S$30 Waived
      Unarranged overdraft Prime + 5%, minimum S$5 Prime + 5%, minimum S$5
      Debit Card Annual Fee S$20 (inclusive of GST) Waived
      Credit Card Annual Fee S$214 (inclusive of GST)
      Free for the first 2 years
      Waived
      Chequebook S$10 per cheque book requested Waived
      XtraSaver
      Types of Fees
      Personal Banking
      Priority Banking
      Fall-below fee S$5 per month if average daily balance for the month falls below S$3,000 from the second month after account opening Waived
      Monthly service charge S$2 Waived
      Unarranged overdraft Prime + 5%, minimum S$5 Prime + 5%, minimum S$5
      Early account closure fee (within 6 months) S$30 Waived
      Debit Card Annual Fee S$20 (inclusive of GST) Waived
      Cheque book S$10 per cheque book requested Waived
      SuperSalary
      Types of Fees
      Personal Banking
      Priority Banking
      Non-inward credit fee $S5 will be charged to the account (from the fourth month after account opening) if the amount credited for the month is below S$1,500 Waived
      Unarranged overdraft Prime + 5%, minimum S$5 Prime + 5%, minimum S$5
      Early account closure fee (within 6 months) S$30 Waived
      Cheque book S$10 per cheque book requested Waived
      Cheque and Save
      Types of Fees
      Personal Banking
      Priority Banking
      Fall-below fee S$7.50 per month if average daily balance for the month falls below S$5,000 Waived
      Monthly service charge S$2 Waived
      Unarranged overdraft Prime + 5%, minimum S$5 Prime + 5%, minimum S$5
      Early account closure fee (within 6 months) S$30 (Personal)
      S$50 (Corporate)
      Waived
      Cheque book S$10 per cheque book requested Waived
      OneAccount (for existing accounts only)
      Types of Fees
      Personal Banking
      Priority Banking
      Fall-below fee S$5 per month if average daily balance for the month falls below S$3,000 Waived
      Monthly service charge S$2 Waived
      Unarranged overdraft Prime +5%, minimum S$5 Prime +5%, minimum S$5
      Cheque book S$10 per cheque book requested Waived
      MortgageOne
      Types of Fees
      Personal Banking
      Priority Banking
      Unarranged overdraft Prime + 5%, minimum S$5 Prime + 5%, minimum S$5
      Cheque book S$10 per cheque book requested Waived
      Securities Settlement Account
      Types of Fees
      Personal Banking
      Priority Banking
      Unarranged overdraft Prime + 5%, minimum S$5 Prime + 5%, minimum S$5
      Note: Prime lending rate is a minimum indicative interest rate charged by the bank and is usually used as a benchmark for loans.
      Foreign Currency Savings Accounts
      USD$aver
      Types of Fees
      Personal Banking
      Priority Banking
      Fall-below fee US$10 per month if average daily balance for the month falls below US$10,000 Waived
      Unarranged overdraft Prime + 5%, minimum US$5 Prime + 5%, minimum US$5
      Early account closure fee (within 6 months) US$20 Waived
      FCY$aver
      Types of Fees
      Personal Banking
      Priority Banking
      Early account closure fee US$20 Waived
      Fall-below fee AUD – A$5 per month if average daily balance for the month falls below A$2,000 Waived
      CAD – C$5 per month if average daily balance for the month falls below C$2,000 Waived
      CHF – 5 francs per month if average daily balance for the month falls below 2,000 francs Waived
      CNH – ¥40 per month if average daily balance for the month falls below ¥15,500 Waived
      EUR – €3 per month if average daily balance for the month falls below €1,000 Waived
      GBP – £2 per month if average daily balance for the month falls below £1,000 Waived
      HKD – HK$30 per month if average daily balance for the month falls below HK$15,000 Waived
      JPY – ¥500 per month if average daily balance for the month falls below ¥200,000 Waived
      NZD – NZ$5 per month if average daily balance for the month falls below NZ$2,000 Waived
      USD – US$5 per month if average daily balance for the month falls below US$2,000 Waived
      Securities Settlement Account (FCY including AUD, CHF, EUR, GBP, HKD, JPY, USD)
      Types of Fees
      Personal Banking
      Priority Banking
      Unarranged overdraft Prime + 2%, no minimum Prime + 2%, no minimum
      Foreign Currency Current Accounts
      USD High
      Types of Fees
      Personal Banking
      Priority Banking
      Fall-below fee US$10 per month if average daily balance for the month falls below US$10,000 Waived
      Unarranged overdraft Prime + 5%, minimum US$5 Prime + 5%, minimum US$5
      Early account closure fee (within 6 months) US$20 Waived
      Current Account
      Types of Fees
      Personal Banking
      Priority Banking
      Fall-below fee AUD – A$30 per month if average daily balance for the month falls below A$5,000 Waived
      CHF – 30 francs per month if average daily balance for the month falls below 5,000 francs Waived
      EUR – €20 per month if average daily balance for the month falls below €3,000 Waived
      GBP – £15 per month if average daily balance for the month falls below £2,000 Waived
      HKD – HK$200 per month if average daily balance for the month falls below HK$30,000 Waived
      NZD – NZ$30 per month if average daily balance for the month falls below NZ$5,000 Waived
      USD – US$30 per month if average daily balance for the month falls below US$5,000 Waived
      Unarranged overdraft Prime + 5%, Min. US$5 Prime + 5%, Min. US$5
      Early account closure fee (within 6 months) US$20 (Personal)
      US$30 (Corporate)
      Waived
      USD Cheque book US$10 per cheque book requested Waived
      Cheque and Save
      Types of Fees
      Personal Banking
      Priority Banking
      Fall-below fee AUD – A$10 per month if average daily balance for the month falls below A$5,000 Waived
      CAD – C$10 per month if average daily balance for the month falls below C$5,000 Waived
      CHF – 10 francs per month if average daily balance for the month falls below 5,000 francs Waived
      EUR – €5 per month if average daily balance for the month falls below €3,000 Waived
      GBP – £5 per month if average daily balance for the month falls below £2,000 Waived
      HKD – HK$75 per month if average daily balance for the month falls below HK$30,000 Waived
      JPY – ¥1,000 per month if average daily balance for the month falls below ¥500,000 Waived
      NZD – NZ$10 per month if average daily balance for the month falls below NZ$5,000 Waived
      USD – US$10 per month if average daily balance for the month falls below US$5,000 Waived
      Monthly service charge AUD – A$2 Waived
      CAD – C$2 Waived
      CHF – 2 francs Waived
      EUR – €1 Waived
      GBP – £1 Waived
      HKD – HK$15 Waived
      JPY – ¥200 Waived
      NZD – NZ$2 Waived
      USD – US$2 Waived
      Unarranged overdraft Prime + 5%, Min. US$5 Prime + 5%, Min. US$5
      Early account closure fee (within 6 months) US$20 (Personal)
      US$30 (Corporate)
      Waived
      USD Cheque book US$10 per cheque book requested Waived
      Note: Prime lending rate is a minimum indicative interest rate charged by the bank and is usually used as a benchmark for loans.
      Time Deposits
      Type of Fee
      Personal Banking
      Priority Banking
      Foreign Currency Time Deposit Premature upliftment Total Penalty = Interest Accrued + Handling Fee (USD25) + Replacement Cost

      Replacement Cost = (Current Market Day Rate – Contract Rate) x Remaining Days to Maturity.

      The Replacement Cost can be zero if the Current Market Rate at the date of the premature upliftment is less than the Contract Rate.

      Current Market Rate refers to the current interest rate, which is based on the market conditions for the applicable currency, at the date of the premature upliftment.

      Contract Rate refers to the Interest Rate that would have been payable to you if you held the Time Deposit until maturity.

      Wealth Management

      Important Notice
      Please take note of the following:

      (a) this document sets out the pricing information relating to the products and services that Standard Chartered Bank (Singapore) Limited (“Standard Chartered” or the Bank”) may make available to you;

      (b) for trading and investments, you may be required to pay certain fees and charges. Please refer to the relevant investments and insurance products;

      (c) in addition to the pricing information set out below, the Bank may levy a transaction fee / charge or earn a commission when executing certain transactions for your account. The Bank may also earn a mark-up or receive a monetary benefit when you transact in certain products;

      (d) the pricing information set out in this document may not include all third-party charges. Such third-party charges are in addition to the pricing information set out in this document, and will be levied separately;

      (e) if the Bank agrees to (i) provide a service or product to you and (ii) such product or service requires exceptional handling, the Bank has the right to levy extra fees/charges for the additional amount of work that the Bank is required to undertake;

      (f) transactions involving certain assets and investment types may be subject to pricing which is different from that stated in this document. The Bank will inform you if the pricing for any transaction / investment exceeds the pricing information that is stated in this document;

      (g) product costs and charges are associated with the manufacturing and managing of a financial instrument. Such costs and charges are incurred or specified by the manufacturer of that financial instrument and are either applied to that financial instrument or taken into account in the overall pricing of that financial instrument. The Bank generally quotes an “all-in” price for a transaction. Such “all-in” price includes such costs and charges, and sales and trading mark-ups (if any). If following such “all-in” price quotation for a transaction, the Bank is able to execute that transaction at a better interbank price, then the Bank will endeavour to pass on the benefit from such price improvement to you. Notwithstanding the foregoing, if the Bank in its discretion determines that it is not operationally feasible to pass on the benefit from such price improvement to you (applicable to FX Spot and FX over-the-counter derivatives contracts), the Bank shall be entitled to retain all of the benefit from such price improvement.

      (h) goods and services tax (GST) will be charged by the Bank, where applicable;

      (i) this document does not constitute an offer to sell or a solicitation to offer to buy or sell any securities or any other financial instrument, to effect any transaction or to provide any service. Please note that not all products and services are available to citizens or residents of all countries;

      (j) with respect to securitised products, any product issuer / provider, bookrunner or arranger that has “Standard Chartered” in its name is an affiliate of Standard Chartered Bank;

      (k) the Bank will act as principal when providing each type of product / investment / service described in Section 2 below to you, except that the Bank will act as agent with respect to the (i) sale or purchase of equities for your account and (ii) the sale or purchase of investment funds;

      (l) the pricing information in this document is subject to change and the Bank will notify you of such changes from time to time with at least 30 days’ prior notice (provided that such changes are within the control of the Bank);

      (m) the Bank may reduce its fees and charges from time to time at its discretion. The contract note for a transaction may also contain further disclosure of monetary benefits that may be applicable to such transaction. Please note that if there is any inconsistency between the information set out in (i) a contract note for a transaction and (ii) this document, the information set out in the contract note will prevail; and

      (n) the benefits receivable as described in this document are subject to any pre-sale process and / or documentation providing otherwise.

      Cash Equities

      Please be reminded that all trades are subject to:

      • Brokerage Fees levied by Standard Chartered Bank (Singapore) Limited
      • Market Fees levied by the respective Exchange
      Brokerage and Custody Fees
      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
      Market Fees
      Markets
      Exchanges
      Market Fees
       

      Australia

       

      Australian SE (ASX)

       

      No charge

       

      France

       

      NYSE EN Paris (PAR)

      French Financial Transaction Tax (FFTT) of 0.3% on buy trades only
       

      Germany

       

      Deutsche Boerse (XETR)

       

      No charge

      Hong Kong Hong Kong SE (HKG) Stamp Duty of 0.13% rounded up nearest dollar

      Transaction Levy of 0.0027%

      Trading Fee of 0.005%

      Financial Reporting Council (FRC) Transaction Levy of 0.00015% (from 1 Jan 2022)

       

      Japan

       

      Tokyo SE (TSE)

       

      No charge

      Netherlands NYSE EN Amsterdam (AMS) No charge
      Singapore Singapore SE (SGX)

      Singapore SE Odd Lot (SGXO)

      Total Market Fees of 0.04% (breakup as per following)

      (a)   SGX Clearing Fee of 0.0325%

      (b)   SGX Trading Access Fee of 0.0075%

       

      Switzerland

       

      SIX Swiss Exchange (SWX)

       

      No charge

      UK London Stock Exchange (LSE) Stamp Duty of 0.5%

      (Buy trades; GB ISIN shares only)

      Stamp Duty of 1.00%

      (Buy trades; IE ISIN shares only)

      Levy of 1 GBP for any transaction >

      GBP 10,000

      (Buy & Sell trades)

      United States NYSE AMEX (ASE)

      NASDAQ (NMS)

      New York Stock Exchange (NYS)

      NASDAQ OTC (OTCB)

      NASDAQ OTC Issues (OTCQ)

      Securities and Exchange Commission Fee of 0.00229% on sell trades only
      Share Transfer Fees
      Type of Transfer
      Market
      Change in Beneficial Ownership
      Transfer Fee
      Comments
      Inward Transfer in to SC Online Trading SGX Listed Shares No S$10.70 per counter, per transfer (inclusive of GST)
      Yes S$10.70 per counter, per transfer (inclusive of GST) Up to maximum of S$107.00 per counter
      Foreign Listed Shares All Free Change of beneficial ownership not allowed for UK, FR and HK listed shares
      Internal Transfer within SC Online Trading SGX Listed Shares No Free
      Yes S$10.70 per counter, per 1000 shares, per transfer (inclusive of GST) Up to maximum of S$107.00 per counter
      Foreign Listed Shares SCBSL All Free Change of beneficial ownership not allowed for UK, FR and HK listed shares
      Outward Transfer from SC Online Trading SGX Listed Shares No S$10.70 per counter, per transfer (inclusive of GST)
      Yes S$10.70 per counter, per 1000 shares, per transfer (inclusive of GST) Up to maximum of S$107.00 per counter
      Foreign Listed Shares All Charges are based on the trading currency of the shares, regardless of the exchange the shares are listed on. The charges are applied on a per counter, per transfer basis.

      Trading Currency Charge
      AUD AUD55
      CHF CHF38
      GBP GBP30
      USD USD39
      EUR EUR34
      HKD HKD305
      JPY JPY4307
      Change of beneficial ownership not allowed for UK, FR and HK shares
      Share Transfer Matrix

      Please refer to the share transfer matrix below for guidance on the types of share transfers permitted.

      Type of Transfer
      Transferor
      Transferee
      Permitted
      Applicable to inward, internal and outward transfers* Client A Client A Yes
      Client A Client A &/or B Yes
      Client A Client B No
      Client A &/or B Client A or Client B only No
      *Please further note that HK, FR, and UK share transfers involving a change in beneficial ownership is not permitted.
      Physical Share Certificate Handling
      Charge Description
      Fee
      Comments
      Issuance of physical share certificates for delisted shares USD200 per certificate, on top of any miscellaneous pass-through charges Issuance of physical share certificates for delisted shares are subject to the discretion of the company and the share registrar.
      Capital Market Products
       

      Product / Investment / Service

      Monetary and/or non-monetary benefits that the Bank receives
      Fixed Income

      (Including Bonds, Notes, Treasury Bills and Certificates of Deposits)

      Up to 3.00% of notional amount
      Primary Market Rebates Up to 1.00% of notional amount can be received from the issuer
      Foreign Exchange (FX) Spot / Commodity Spot on Unallocated Precious Metals (e.g. XAU, XAG etc.) Up to 5.00% of notional amount
      Premium Currency Investments / Commodity Linked Structured Investments Up to 50.00% of total annualised yield1
      Structured Products

      (Including Equity Linked Structured Notes, Rate Linked Structured Notes,

      Currency Linked Structured Notes, Commodity Linked Structured Notes etc)

      Up to 5.00% of notional amount
      1Refers to the total premium received for the sale or purchase of the option and the interest earned (if any)
      Mutual Funds/ Hedge Funds
      Product / Investment / Service
      Fee that the Bank receives
      Investment Funds (Buy Transactions) Up to 5.00% of investment amount, dependent on the investment fund’s fees and charges as prescribed in the respective prospectus of the fund
      Investment Funds (Others) Trailer fee: Up to 60% of the fund’s annual management fee as prescribed in the fund’s prospectus
      Individual Client Segregated Account

      In relation to the Central Securities Depositories Regulation (“CSDR”), the Bank, in its capacity as a custodian and direct participant, is required to offer our clients the choice between Omnibus Client Segregated Account (“OCSA”) and Individual Client Segregated Account (“ICSA”) at each Central Securities Depository within the European Economic Area for Mutual Funds/Hedge Funds, Structured Notes and Fixed Income products. Please note that the Bank may not be able to offer ICSA for all products. ICSA shall be subjected to the following fees.

      Product / Investment / Service
      Fees that the Bank receives
      Fixed Income, Structured Products
      Account Set Up USD 82 one-time per account
      Portfolio and Transaction Fee

      •        Portfolio

      •        Settlement, Transaction Handling

      Aggregate fees at minimum of USD800 per month:

      Ranging from 1bps to 6bps per annum, depending on the markets of the securities, applied on market value of the securities on the last business day of the month;

      Ranging from USD6 to USD200 depending on the markets of the securities;

      Processing/ Operational Fees USD280 per month
      Third-Party Expenses2 Ranging from USD5 to USD100 per corporate action
      2Including but not limited to sub-custodian fees, depository charges, security pricing charges, stamp duties, mailing, communication costs, printing costs etc.

       

      Product / Investment / Service Fees that the Bank receives
      Mutual Funds/ Hedge Funds
      Account Set Up
      (each dividend option would require an individual account)
      USD 82 one-time per account
      Account Maintenance USD 1290 per month
      Transaction Fee*

      (on top of any Upfront Fee charged)

      USD equivalent EUR 24 per transaction
      Corporate Action Fee USD equivalent EUR 24 per corporate action
      Insurance
      Product / Investment / Service
      Fee3 that the Bank receives from a third party / product provider
      Life Insurance Up to the “Total Distribution Cost To Date” as set out in the “Policy Illustration” section of the insurance plan
      General Insurance From 10% – 40% of the premium
      3Where the Bank acts as referrer / distributor to the client
      Wealth Lending
      Product / Investment / Service
      Interest that the Bank applies
      Wealth Lending Overdraft Facility

      (in USD, SGD, HKD, JPY, EUR, GBP, CHF, AUD or NZD)

      Up to 1.50% spread p.a. + base rate4 of respective currencies’ loan amount, subject to the respective account’s minimum unarranged overdraft interest amount as stated in the Pricing Guide
      4Refers to the applicable benchmark lending rate or an internally set lending rate
      Miscellaneous

      The following fees will be deducted directly from the dividends and/ or redemption proceeds, and the net amount will be returned to you via cashier’s orders and/ or bank drafts. To avoid such charges, you may wish to open a current or savings account in the respective currencies for the crediting of your dividends and/ or redemption proceeds.

      Click here to open an account of your choice.

      Payment mode
      Fee that the Bank charges
      Cashier’s Order (in S$ only) S$5.00 per Cashier’s Order (from now till 7 August 2022)

      S$40.00 per Cashier’s Order (from 8 August 2022 onwards)

      Bank Draft (in foreign currency only) 1/8% commission (subject to a minimum of US$20.00, maximum of US$70.00) per Bank Draft (from now till 7 August 2022)

      1/8% commission (subject to a minimum of US$40.00, maximum of US$70.00) per Bank Draft (from 8 August 2022 onwards)

      plus:

      1/8% in lieu of exchange (subject to a minimum of US$10.00, maximum of US$700.00)

      Remittances
      Inward Telegraphic Transfers (ITT)
      Credit SGD account
      Personal Banking
      Priority Banking
      in SGD S$10 S$10
      in FCY Free Free
        
      Credit FCY account
      Personal Banking
      Priority Banking
      in SGD Free Free
      in FCY to same currency account S$10 or its equivalent S$10 or its equivalent
      in FCY to different currency account Free Free
      Outward Telegraphic Transfers (OTT)
      Debit SGD account
      Personal Banking
      Priority Banking
      Type of Fee Online Non-Online Online Non-Online
      Handling commission1 1/16% comm.

      Min. S$15,

      Max. S$50

      1/8% comm.

      Min. S$30,

      Max. S$100

      1/32% comm.

      Min. S$7.50,

      Max. S$25

      1/16% comm.

      Min. S$15

      Max. S$50

      Debit FCY account
      (including Time Deposits)
      Personal Banking
      Priority Banking
      Types of Fees Online Non-Online Online Non-Online
      Handling commission1

      Commission1 in lieu

      1/16% comm.

      Min. US$10

      Max. US$35

      plus:

      1/16% in lieu of exchange;

      Min. US$5,

      Max. US$100

      1/8% comm.

      Min. US$20,

      Max. US$70

      plus:

      1/8% in lieu of exchange;

      Min. US$10,

      Max. US$100

      1/32% comm.

      Min. US$5,

      Max. US$17.50

      plus:

      1/16% in lieu of exchange;

      Min. US$5,

      Max. US$100

      1/16% comm.

      Min. US$10

      Max. US$35

      plus:

      1/8% comm.

      Min. US$10,

      Max. US$100

      via MAS Electronic
      Payment System (MEPS+)
      Free via FAST3 S$20 Free via FAST3 S$20
      Reimbursement cover2:

       SGD OTT

      FCY OTT

      S$20

      US$15

      S$20

      US$15

      S$20

      US$15

      S$20

      US$15

      Overseas Bank charges S$50 As applicable S$50 As applicable

      1Handling commission & commission in lieu is waived for World Partner customers

      2 Reimbursement cover is applicable regardless of destination of transfer. For the avoidance of doubt, fees imposed by other banks may be applicable and shall be borne by the remitter.

      3FAST allows a maximum of up to S$200,000 per day.

      4For Priority Customers, fund transfers between Standard Chartered Bank (SCB) accounts will include the following fee waivers:

      – Handling commission

      – commission in lieu

      – Reimbursement cover

      Overseas bank charges are applicable (if any)

      Note:

      • Additional S$5 is applicable for AUD transfers.
      • For online transfers, you (as the remitter) may choose from the following:

      1) all charges (i.e. local bank charges and overseas bank charges) (“Charges”) of the remittance to be borne by you. The remittance amount and all Charges will therefore be debited from your Standard Chartered Bank account which you have specified as the source of funds for the Telegraphic Transfer (such account to be referred to as “Account”); or

      2) all Charges to be borne by the payee as specified by you. Only the remittance amount will be debited from your Account. All Charges will be deducted from the remittance amount and your payee will receive the balance after such deduction.

      • For the above purposes, “local bank charges” includes handling commissions, commissions in lieu, and reimbursement cover, as indicated above. “Overseas bank charges” is as indicated above and includes correspondent bank and/or beneficiary bank charges (if any).
      • For Non-online, “Overseas bank charges” (including correspondent bank and/or intermediary bank charges) are applicable (if any).
      Inward Drafts/ Cheques
      Correspondent bank drafts drawn on Standard Chartered Bank (Singapore) Limited

       

      Credit to account
      Personal Banking
      Priority Banking
      in SGD Free Free
      in FCY Free Free
      SGD bank drafts drawn by an overseas banking affiliate of Standard Chartered on Standard Chartered Bank (Singapore) Limited
      Credit to account
      Personal Banking
      Priority Banking
      in SGD Free Free
      in FCY Free Free
      FCY drafts/cheques drawn on banks in Singapore
      Credit SGD/ FCY account
      Personal Banking
      Priority Banking
      USD Free Free
      Other currencies S$10 S$10
      FCY drafts/cheques drawn on overseas banks
      Type
      Personal Banking
      Priority Banking
      Credit SGD account 1/8% comm.

      Min. S$25, Max. S$200
      (including postage)

      1/8% comm.

      Min. S$25, Max. S$200
      (including postage)

      Credit FCY account 1/8% comm.

      Min. US$15, Max. US$120
      (including postage)

      1/8% comm.

      Min. US$15, Max. US$120
      (including postage)

      Cheque return fee S$40 S$40
      Outward Drafts/ Cheques
      Issuance

       

      Account type
      Personal Banking
      Priority Banking
      Debit SGD account 1/8% comm.
      Min. S$30, Max. S$100
      1/8% comm.
      Min. S$30, Max. S$100
      Other FCY account

      (including Time Deposits)

      1/8% comm.
      Min. US$20, Max. US$70
      plus:
      1/8% in lieu of exchange,
      Min. US$10, Max. US$700
      1/8% comm.
      Min. US$20, Max. US$70
      plus:
      1/8% in lieu of exchange,
      Min. US$10, Max. US$700
      Cable cost/tracers for draft investigations
      Draft currency
      Personal Banking
      Priority Banking
      SGD draft S$20 per draft S$20 per draft
      FCY draft US$15 per draft US$15 per draft
      Amend/ Replace draft
      Draft currency
      Personal Banking
      Priority Banking
      SGD draft S$30 plus:
      cable cost (if applicable)
      S$30 plus:
      cable cost (if applicable)
      FCY draft US$20 plus:
      cable cost (if applicable)
      US$20 plus:
      cable cost (if applicable)
      Cancel/ Refund draft
      Account type
      Personal Banking
      Priority Banking
      Credit SGD account S$20 plus:
      cable cost (if applicable)
      S$20 plus:
      cable cost (if applicable)
      Credit FCY account US$15 plus:
      cable cost (if applicable)
      US$15 plus:
      cable cost (if applicable)

      Note:

      For FCY drafts/cheques drawn on overseas banks and banks not participating in the Cheque Truncating System, the following charges are applicable, if any:

      • 10 days’ overdraft interest
      • Drawee bank charges
      • Collection bank charges

      Additional S$5 is applicable for AUD drafts/cheques.

      Cheque charges
      Stop payment
      Currency
      Personal Banking
      Priority Banking
      SGD S$40 per cheque S$40 per cheque
      FCY US$30 per cheque US$30 per cheque
      Returned cheque
      Currency
      Personal Banking
      Priority Banking
      SGD S$40 per cheque S$40 per cheque
      FCY US$30 per cheque US$30 per cheque
      Cheque image retrieval
      Period
      Personal Banking
      Priority Banking
      Clearing date within 1 year S$20 S$20
      Between 1 to 3 years S$30 S$30
      More than 3 years S$50 S$50
      Direct marking of cheques
      Currency
      Personal Banking
      Priority Banking
      SGD cheques S$100 S$100
      Immediate clearing of in-house cheques over-the-counter
      Currency
      Personal Banking
      Priority Banking
      SGD cheques S$30 per cheque S$30 per cheque
      FCY cheques US$20 per cheque US$20 per cheque
      Cashier’s Orders (CO) (SGD only)

      NA

      Issuance
      Debiting account
      Payment to
      Personal Banking
      Priority Banking
      SGD account to own name First CO is free. Thereafter S$5 per CO, per transaction First CO is free. Thereafter S$5 per CO, per transaction
      to third party name(s) S$5 S$5
      replacement/amendment S$10 S$10
      FCY account to own name First CO is free. Thereafter US$3 per CO, per transaction First CO is free. Thereafter US$3 per CO, per transaction
      to third party name(s) US$3 or its equivalent US$3 or its equivalent
      replacement/amendment US$10 US$10
      Cancel/ Refund CO
      Crediting account
      Personal Banking
      Priority Banking
      SGD account S$5 S$5
      FCY account US$3 US$3
      FAST
      Transfer type
      Personal Banking
      Priority Banking
      Incoming transfer Free Free
      Outgoing transfer
      GIRO
      Types of fees
      Personal Banking
      Priority Banking
      GIRO arrangement Free Free
      GIRO return S$10 per return S$10 per return
      Amendment S$10 per amendment S$10 per amendment
      Standing Instruction (SI)
      Types of fees
      Personal Banking
      Priority Banking
      Setup/ Amendment Online Non-Online Online Non-Online
      Automated Free S$10 per setup Free S$10 per setup
      Amendment Free S$10 per amendment Free S$10 per amendment
      Other SI fees
      Types of fees
      Personal Banking
      Priority Banking
      Set up for OTT S$50 per setup S$50 per setup
      Manual monitoring S$50 per payment S$50 per payment
      SI return due to insufficient funds S$50 S$50
      Credit Cards
      Types of fees
      Charges
      Late Payment charges A late payment charge of S$100 will be charged if the minimum payment due, as indicated on your statement, is not received by us by the due date.
      Cash Advance charge Cash advance fee per transaction is charged at 6% on the Cash Advance, subject to a minimum fee of S$15, in addition to the finance charges of 0.082% per day on the amount withdrawn from the date of the transaction until the date of full payment (Effective Interest Rate: 29.9% per annum).

      Cash advance fee per transaction is waived for Smart Credit Card from 4 October 2021 to 31 December 2022 (both dates inclusive).

      Finance charges for purchases1 (excluding purchases charged to Smart Credit Card, Platinum Access Card and Automatic Flexible Payment Scheme) Effective Interest Rate (“EIR”): 26.9% per annum (minimum). If payment is not made in full by the due date, finance charges will be billed on your next statement. Finance charges will be calculated on a daily basis at 0.074% on the outstanding balance (including purchase transaction(s) and finance charges resulting from such transaction(s)), from the date of the transaction(s) which are unpaid until the date full payment is received, and on all new transactions from the respective transaction dates.

        

      For EIR applicable to Credit Card Funds Transfer account(s), please refer to the Credit Card Funds Transfer Programme Terms and Conditions

      Finance charges for Smart Credit Card Effective Interest Rate (“EIR”): 23.9%, 26.9% or 29.9% per annum (“p.a.”) based on the Bank’s assessment of your credit profile. If payment is not made in full by the due date, finance charges will be calculated on a daily basis at 0.065%, 0.074% or 0.082% from the respective transaction dates for all transactions to the date the payment is received. The Bank will conduct two rate reviews in each calendar year on all Standard Chartered Smart Credit Card accounts and the first rate review will take place on 15 March of each calendar year and the second rate review will take place on 15 September of each calendar year. Each of such rate reviews shall be known as a “Rate Review”.

        

      The EIR for all credit cards which are issued on a Standard Chartered Smart Credit Card account is fixed at 26.9% p.a. until the date on which the first Rate Review is conducted by the Bank on that particular account (inclusive of this date).

        

      If there are any changes to the EIR for your Standard Chartered Smart Credit Card account after a Rate Review, you will be given 30 days’ advance notice before the new EIR is imposed. If the EIR for your Standard Chartered Smart Credit Card account remains the same after a Rate Review, the Bank will not provide you with any notification.

        

      For the avoidance of doubt, the EIR for a Standard Chartered Smart Credit Card account will apply to all credit cards which are issued on that particular account including supplementary cards.

        

      The scenarios below illustrate how financial charges are calculated for Smart Credit Card.

                                                                                                                                                                                                                                                                                                                 

      Scenario 1: If your EIR is 23.9% p.a.:  

      If payment is not made in full by the due date, finance charges will be billed on your next statement. Finance charges will be calculated on a daily basis at 0.065% on the outstanding balance (including purchase transaction(s) and finance charges resulting from such transaction(s)), from the date of the transaction(s) which are unpaid until the date full payment is received, and on all new transactions from the respective transaction dates.

                                                                                                                                                                                                                                                                                                                 

      Scenario 2: If your EIR is 26.9% p.a.:

      If payment is not made in full by the due date, finance charges will be billed on your next statement. Finance charges will be calculated on a daily basis at 0.074% on the outstanding balance (including purchase transaction(s) and finance charges resulting from such transaction(s)), from the date of the transaction(s) which are unpaid until the date full payment is received, and on all new transactions from the respective transaction dates.

                                                                                                                                                                                                                                                                                                                 

      Scenario 3: If your EIR is 29.9% p.a.:

      If payment is not made in full by the due date, finance charges will be billed on your next statement. Finance charges will be calculated on a daily basis at 0.082% on the outstanding balance (including purchase transaction(s) and finance charges resulting from such transaction(s)), from the date of the transaction(s) which are unpaid until the date full payment is received, and on all new transactions from the respective transaction dates.

      Finance charges for Platinum Access Card and Automatic Flexible Payment Scheme Effective Interest Rate (“EIR”): 26.9% per annum (minimum). If payment is not made in full by the due date, finance charges will be billed on your next statement. Finance charges will be calculated on a daily basis at 0.074% on the outstanding balance (including purchase transaction(s) and finance charges resulting from such transaction(s)), from the date of the transaction(s) which are unpaid until the date full payment is received, and on all new transactions from the respective transaction dates.

        

      Effective interest rate for Instalments under the Scheme is 9.32% per annum. If we do not receive the instalment amount payment in full on or before the due date and a balance is carried forward from the relevant statement, finance charges will be calculated on a daily basis at the minimum Effective Interest Rate (EIR) of 26.9% per annum (0.074% per day).

        

      Administrative fee of 6% will be charged on all approved credit card transactions under the Scheme.

       Transfer Fee KrisFlyer Miles – S$26.75 (including GST) per rewards code used

      SC EasyRewards (Transfer Rewards) – S$26.75 (including GST) per transfer

      360° Rewards Points Transfer Fee  S$10 for every 100,000 of 360° Rewards Points transferred to each nominee’s credit card account2 (Not applicable for cardholders of Visa Infinite Credit Card).

      1 No finance charge will be levied if payment is received in full by the due date AND there is no balance carried forward from the previous statement. For EIR applicable to Credit Card Funds Transfer account(s), please refer to the Credit Card Funds Transfer Programme Terms and Conditions.

      2 Nominee refers to a nominated family member or friend who holds a credit card that is eligible to learn 360° Rewards Points and such credit card is valid, subsisting, and in good standing.

      NA

      Credit Cards Funds Transfer
       
      Late payment charges A late payment charge of S$100 will be charged if the minimum payment due, as indicated on your statement, is not received by us by the due date.

      For adjustments to EIR on Credit Card Funds Transfer account(s)* if payment due is not received in full by due date, please refer to the Credit Card Funds Transfer Programme Terms and Conditions

      *An account is considered past due if the minimum payment due is not received in full on or before the due date set out in the statement we issue for your account. The adjustment/ reinstatement of interest rate will be effective on the first business day after your next Statement Date.
      Annual Membership Fee
      Type of Credit Card
      Amount
      Fee Waiver

      (Principal Card)

      Fee Waiver
      (Supplementary Card)
      Smart Credit Card FREE FREE FREE
      Rewards+ Credit Card

       

      Simply Cash Credit Card

       

      Spree Credit Card

       

      Prudential Platinum Credit Card

       

      Prudential Visa Signature Credit Card

       

      NUS Alumni Platinum Credit Card

      S$192.60 (including 7% GST)

      S$194.40 (including 8% GST) from 1 Jan 2023

      FREE for the first two (2) years. FREE, up to 5 cards
      MANHATTAN Platinum/

       

      MANHATTAN World Mastercard®

      FREE for the first (1) year. FREE, up to 5 cards
      Platinum Visa/Mastercard® Credit Card FREE for the first three (3) years.

      For Platinum Visa Credit Card issued upon approval and disbursement of CashOne Personal Loan, the annual fee is FREE for 5 years.

      For Platinum Mastercard® Credit Card issued upon successful application of Debt Consolidation Plan, the annual fee is FREE.

      FREE, up to 5 cards
      Business Platinum Credit Card S$160.50 (including 7% GST)

      S$162.00 (including 8% GST) from 1 Jan 2023

      FREE for the first three (3) years. FREE, up to 5 cards
      Visa Infinite Credit Card S$588.50 (including 7% GST)

      S$594.00 (including 8% GST) from 1 Jan 2023

      This annual fee is strictly non-waivable.

      This annual fee is strictly non-waivable. FREE, up to 5 cards
      Priority Banking Visa Infinite Credit Card S$321.00 (including 7% GST)

      S$324.00 (including 8% GST) from 1 Jan 2023

      This annual fee is strictly non-waivable. The annual fee is waived off for the first (1) year. S$160.50 (including GST)
      FREE for first (1) year; up to 5 cards
      Visa Infinite X Credit Card S$695.50 (including 7% GST)

      S$702.00 (including 8% GST) from 1 Jan 2023

      This annual fee is strictly non-waivable.

      This annual fee is strictly non-waivable. S$107 (including GST)
      This annual fee is strictly non-waivable.
      Gold Card S$187.25 (including 7% GST)

      S$189.00 (including 8% GST) from 1 Jan 2023

      This annual fee is strictly non-waivable. FREE
      Classic Card S$64.20 (including 7% GST)

      S$64.80 (including 8% GST) from 1 Jan 2023

      This annual fee is strictly non-waivable. FREE
      S$500 Cards S$32.10 (including 7% GST)

      S$32.40 (including 8% GST) from 1 Jan 2023

      FREE for the first (1) year. FREE
      Preferred World Up to S$214 This annual fee is strictly non-waivable. FREE
      Note: Annual Fee is applicable for both active and inactive Credit Cards.
      EasyPay on Retail Balances
      Type of fees
      Charges
      Early redemption fee 3% of the unbilled outstanding principal
      Miscellaneous and Service Fees
      Type of fees
      Charges
      Overlimit fee If the current balance on your card account exceeds your credit limit, an overlimit fee of S$40 will be charged to your card account.
      Sales Draft S$5
      Rejected Direct Debit Authorisation/ GIRO payment (insufficient funds) S$50
      Returned cheque (insufficient funds) S$40
      Branch counter payment S$5.35 per transaction+ (including GST)
      Request for past copy of statement (both paper and estatements) Current to 12 months statement: S$10 per monthly statement

      Beyond 12 months statement: S$50 per monthly statement

      +Applicable where the instruction to make a payment to an account for a credit card is submitted at any of the Bank’s branches, except where the holder of the aforementioned account is at least 65 years old at the time the aforementioned payment instruction is submitted to the Bank at any of the Bank’s branches.
      Important Notes on Credit Cards

      NA

      Repayment Period

      At least 22 days from billing/statement date.

      NA

      Finance charge calculation

      Finance charges will be imposed on the outstanding balance on your statement if payment is not made in full by the due date, calculated from the date of the transaction to the date of full payment.

      From 15 July 2022, no finance charges will be imposed on any fees billed to the card account (such as membership fee, late fee and any other fees charged by the Bank).

      NA

      Minimum Payment Due

      The minimum payment due applicable to all credit card accounts (including Credit Card Funds Transfer accounts) will be:

      (i) the greater of either S$50 or 1% of principal; plus

      (ii) interest, fees and charges; and

      (iii) overlimit amount and past due amount (if any).

      Outstanding balances that are below S$50 shall be repaid in full.

      NA

      Lost/ stolen card liability

      If the credit card is lost or stolen or if the PIN is disclosed, the cardholder’s maximum liability is capped at S$100 if the cardholder immediately notifies us in writing; assist in the recovery; furnish us a statutory declaration or a police report together with any other information we may require and we are satisfied that the loss, theft or disclosure of the credit card or the PIN is not due to the cardholder’s negligence or default. This limitation of liability does not apply to cash advances.

      NA

      Foreign Currency Transactions

      a) All foreign currency transactions (including overseas and online transactions) effected in US Dollars will be converted to Singapore Dollars on the date of conversion. All foreign currency transactions effected in a foreign currency other than US Dollars will be converted into US Dollars before being converted into Singapore Dollars (the converted Singapore Dollars amount). The exchange rate may differ from the rate in effect on the date of the transaction due to market fluctuations. Any rate imposed is final and conclusive and you bear all exchange risks, loss, commission, and other bank costs which may be incurred as a result. All conversions will be based on the prevailing wholesale interbank rates or the government-mandated rate, as shall be determined by the respective card associations, namely Visa Inc. (Visa) or Mastercard International (Mastercard).

      b) In addition, all foreign currency transactions (including overseas and online transactions) charged to Visa / Mastercard cards will be subject to: (i) a prevailing charge of 1% of the converted Singapore Dollar amount representing the charge imposed by Visa / Mastercard on the transaction; and (ii) a prevailing fee of 2.5% of the converted Singapore Dollars amount

      NA

      Dynamic Currency Conversion

      a) If your foreign currency transactions (including overseas and online transactions) are converted into Singapore Dollars via dynamic currency conversion, which is a service offered at selected overseas ATMs, websites or by certain merchants (“DCC”), you acknowledge and agree that the process of conversion and the exchange rate applied will be determined by the relevant DCC service provider and not by us.

      b) In addition, all foreign currency transactions (including overseas and online transactions) converted via DCC will be subject to a prevailing charge of 1% of the transaction amount representing the charge imposed by Visa/Mastercard.

      NA

      Singapore Dollar Transactions Processed Overseas

      If you enter into Singapore Dollar transactions with: (i) a local merchant that routes its payment processing through an overseas intermediary; or (ii) a merchant that is registered by its acquiring bank (the Acquirer) as having been acquired overseas, regardless of where the merchant is actually located, such transactions will be subject to a prevailing charge of 1% of the relevant transaction amount representing the charge imposed by Visa/Mastercard. In both these cases the transaction is treated as a foreign currency transaction and the process of conversion and the exchange rate applied will be determined by the relevant payment processing intermediary or the Acquirer and not by us.

      Personal Loans

      NA

      CashOne/ Credit Card Instalment Loan/ Dash Advance Personal Loan/ ezyCash
      Types of fees
      Charges
      Annual fee First year: S$199 (deducted upfront from the approved CashOne loan amount)
      Second year onwards until either the expiry of the instalment tenure or the final instalment amount payment (whichever is the earlier): S$50 will be charged annually
      if any instalments are not paid on or before the due dates in full for the preceding 12 consecutive calendar months
      Late payment and finance  charges A late payment charge of S$100 will be charged in the minimum payment is not received by us by the due date
      AND
      If we do not receive the instalment amount payment in full on or before the due date and a balance is carried forward from the relevant statement, finance charges will be calculated on a daily basis at the minimum Effective Interest Rate (EIR) of 26.9% per annum (0.074% per day).
      Early Redemption Fee S$150 or 3% of the outstanding principal (whichever is higher)
      Change of tenure S$50
      Default interest If we do not receive your instalment amount payment on or before the due date in full twice within any consecutive 6 months period, a default interest of 4% per annum will be added to the original Effective Interest Rate (EIR) on the entire outstanding balance on your account.
      Branch counter payment S$5.35 per transaction* (inclusive of GST)
      *Applicable where the instruction to make a payment to an account for a CashOne/ Credit Card Instalment Loan/ Dash Advance Personal Loan/ ezyCash is submitted at any of the Bank’s branches, except where the holder of the aforementioned account is at least 65 years old at the time the aforementioned payment instruction is submitted to the Bank at any of the Bank’s branches.
      Important Notes
      Finance charge calculation

      Finance charges will be imposed on the outstanding balance on your statement if payment is not made in full by the due date, calculated from the date of the transaction to the date of full payment.

      From 15 July 2022, no finance charges will be imposed on any fees billed to the card account (such as membership fee, late fee and any other fees charged by the Bank).

      NA

      Minimum Payment Due

      The minimum payment due applicable to all Personal Loan accounts will be:

      (i)   the approved monthly instalment amount; plus

      (ii)  interest, fees, and charges; plus

      (iii) overlimit and past due amount (if any).

      Outstanding balances that are below S$50 shall be repaid in full.

      Interest Free CashOne Personal Loan
      Types of fees
      Charges
      Annual Fee 4.5% of the approved loan amount (deducted upfront from the approved loan amount)
      Late payment charges and finance charges A late payment charge of S$100 will be charged if the minimum payment is not received by the due date.

      If we do not receive the instalment amount payment in full on or before the due date and a balance is carried forward from the relevant statement, finance charges will be calculated on a daily basis at the minimum Effective Interest Rate (EIR) of 26.9% per annum (0.074% per day).

      Default interest If we do not receive your instalment amount payment on or before the due date in full twice within any consecutive 6 months period, a default interest of 4% per annum will be added to the original Effective Interest Rate (EIR) on the entire outstanding balance on your account.
      Branch counter payment S$5.35 for each payment made over the branch counter (inclusive of GST)
      *Applicable where the instruction to make a payment to an account for a CashOne/ Credit Card instalment Loan/ Dash Advance Personal Loan/ ezyCash is submitted at any of the Bank’s branches, except where the holder of the aforementioned account is at least 65 years old at the time the aforementioned payment instruction is submitted to the Bank at any of the Bank’s branches.
      Important Notes
      Finance charge calculation

      Finance charges will be imposed on the outstanding balance on your statement if payment is not made in full by the due date, calculated from the date of the transaction to the date of full payment.

      From 15 July 2022, no finance charges will be imposed on any fees billed to the card account (such as membership fee, late fee and any other fees charged by the Bank).

      NA

      Minimum Payment Due

      The minimum payment due applicable to all Personal Loan accounts will be:

      (i)   the approved monthly instalment amount; plus

      (ii)  interest, fees, and charges; plus

      (iii) overlimit and past due amount (if any).

      Outstanding balances that are below S$50 shall be repaid in full.

      NA

      Debt Consolidation Facility
      Types of fees
      Charges
      Joining Fee S$199 (One-time charge)
      Late payment and Finance charges A late payment charge of S$100 will be charged if the minimum payment is not received by the due date.

      If the full instalment payment amount is not received by the due date, the outstanding balance will be carried forward to the next statement and the finance charges will be calculated on a daily basis at the minimum Effective Interest Rate (“EIR”) of 26.9% p.a. (0.074% per day)

      Early Redemption Fee S$250 or 5% of the outstanding principal (whichever is higher)
      Branch counter payment S$5.35 per transaction* (inclusive of GST)
      *Applicable where the instruction to make a payment to an account for a credit card is submitted at any of the Bank’s branches, except account holder is at least 65 years old at the time the payment instruction is submitted to the Bank at any of the Bank’s branches.
      Important Notes
      Finance charge calculation

      Finance charges will be imposed on the outstanding balance on your statement if payment is not made in full by the due date, calculated from the date of the transaction to the date of full payment.

      From 15 July 2022, no finance charges will be imposed on any fees billed to the card account (such as membership fee, late fee and any other fees charged by the Bank).

      Minimum Payment Due

      The minimum payment due applicable to all Debt Consolidation Facility accounts will be:

      (i)   the approved monthly instalment amount; plus

      (ii)  interest, fees, and charges; plus

      (iii) overlimit and past due amount (if any).

      Outstanding balances that are below S$50 shall be repaid in full.

      NA

      Personal Credit / Salary Advance / Preferred Line of Credit
      Types of fees
      Charges
      Annual fee S$80
      Prevailing interest rate The prevailing interest rate for Personal Credit, Credit Manhattan and Credit One is 18.88% p.a.
      For Salary Advance / Preferred Line of Credit, the prevailing interest rate is 6.88% p.a. or 17.9% p.a.*
      Late Payment Charges S$80 per month if you miss the payment due date, or pay less than
      the minimum repayment amount
      Over limit Charges 5% p.a. in addition to the prevailing interest rate on the over limit
      balances
      ATM cash withdrawal fee Free at Standard Chartered ATMs and atm5 network. Atm5 is our shared ATM network that gives you island wide ATM access to ATMs bearing atm5 logo from us, Bank of China, Citibank, HSBC, Maybank and State Bank of India.
      Overseas cash withdrawal fee 2% of amount withdrawn, subject to:
      • a minimum of S$5 and maximum of S$60 per withdrawal
      • a minimum of US$5 and maximum of US$60 per withdrawal for USD accounts.
      Other fees • Returned cheque fee: S$40 per cheque

      • Stop cheque fee: S$40 per cheque

      • GIRO returned fee: S$10 per transaction

      • Lost card replacement fee: S$5 per card

      *With effect from 4 April 2021 (inclusive of this date), the prevailing interest rate for all outstanding balances of Salary Advance accounts and Preferred Line of Credit accounts will be revised to either 6.88% p.a. or 17.9% p.a. The revised prevailing interest rate which is applicable to the outstanding balance of your Salary Advance account or Preferred Line of Credit account, as the case may be, is as notified to you by us in writing and can also be found in the statements issued by us, on or after 4 April 2021, for your Salary Advance account or Preferred Line of Credit account, as the case may be

      Note:

      NA

      Maximum credit limit

      2 times your monthly salary, up to S$100,000. You are given a maximum credit limit of 2 times your current monthly salary, or S$100,000, whichever is lower.  We reserve the right to grant and/or assign a lower credit limit.

      NA

      Minimum monthly repayment

      If the outstanding balance is S$50 or more, your minimum monthly repayment will be:

      (i) S$50; or

      (ii) 1% of outstanding principal amount plus interest, fees and

      charges, plus any amount in the account balance exceeding your credit limit, and any past due amount. whichever is higher. If the outstanding balance is less than S$50, the entire outstanding balance is payable by the due date.

      NA

      Interest rate on credit balances

      If you have a credit balance in your account, you may be entitled to receive interest depending on the type of account. The rate of interest may be fixed or varied as we determine. We pay interest monthly or at other regular intervals that we determine.

      NA

      Mortgage Loans

      This pricing guide does not cover interest rates on your Mortgage Facilities. If we vary the interest rate, we will do so by giving you at least 30 days’ notice before the variation takes effect and notifying you of the effective date of the revised interest rate. For more details, please refer to your Facility Letter for the respective Mortgage Facilities with us.

      NA

      Redemption and cancellation fees
      Types of fees
      Charges
      Partial Redemption Fee 1.5% partial redemption fee based on the amount of Mortgage Loan redeemed during the Lock-In Period.

      You may redeem your loan partially by serving 1 month’s notice in writing to us or by paying 1 month’s interest in lieu of notice. The minimum partial redemption amount is S$10,000.

      Full Redemption Fee 1.5% full redemption fee based on the amount of the Mortgage Loan redeemed during the Lock-In Period.

      You may redeem your loan in full by serving 2 months’ notice in writing to us or by paying 2 months’ interest in lieu of notice.

      Cancellation Fee 1.5% cancellation fee based on the amount of Mortgage Loan cancelled or deemed cancelled by the borrower.
      Other fees
      Types of fees
      Charges
      Repricing Fee Administrative fee of S$1000
      Late payment fee S$50
      Default rate 5% above SGD Prime lending rate* on the overdue instalment amount
      Request for documents e.g. Facility Letter, Supplemental Facility Letter S$53.50 per copy (inclusive of GST)
      Request for past copy of statement(s) Request for copy of most recent yearly statement: $10

      Statements beyond the most recent yearly statement: $50

      *Prime lending rate is a minimum indicative interest rate charged by the bank and is usually used as a benchmark for loans.
      Auto Financing
      Types of fees
      Charges
      Late payment fee S$60
      Late payment interest 12% per annum on the overdue amount, billed on a monthly basis
      Early completion fee Within 12 months from commencement date:

      20% of outstanding interest + 1.5% of balance payable

      12 months or more from commencement date:

      20% of outstanding interest + 1% of balance payable

      Photocopy of hire purchase agreement or log card S$53.50 per copy (inclusive of GST)

      Waived for the first year from the commencement date

      Request for past copy of statements(s) Request for copy of most recent yearly statement: $10

      Statements beyond the most recent yearly statement: $50

      Full settlement (Early completion)

      Please mail or drop the completed form at any of our local branches.

      • Requests for early full settlement quotes will be processed and mailed to you within 2 business days.
      • For immediate payment of your full settlement amount, you may perform a FAST transfer of the funds directly to the repayment account. You may also drop off your payment via Cashier’s Order, Cheque, or Cash at any of our local branches (please expect a processing time of 3 business days). Your instructions will be processed upon receipt of your full payment and completed settlement form.
      • For further queries, please visit our FAQ page or click here on ways to contact us.
      ATM and Debit Card
      Types of Fees
      Personal Banking
      Priority Banking
      ATM Card replacement S$5 Waived
      Debit card replacement For SGD – S$5
      For USD – US$5
      Waived
      Debit card overseas transaction fee up to 3.5% of amount
      transacted via Mastercard®
      up to 3.5% of amount
      transacted via Mastercard®
      Cash withdrawal at Cirrus ATMs (worldwide)* 2% of amount withdrawn (Min. S$5, Max. S$60)

        

      For USD accounts:
      2% of amount withdrawn (Min. US$5, Max. US$60)

        

      All such overseas cash withdrawals will also be subjected to additional fees imposed by the other bank, VISA/MasterCard International.

         

      Note: For Credit Cards that are linked to Current or Savings account, withdrawal amount will be deducted from the Credit Card if the overseas ATM machine does not support account type selection and Cash advance fee will apply.

      Cash advance fee per transaction is charged at 6% on the Cash Advance, subject to a minimum fee of S$15, in addition to the finance charges of 0.082% per day on the amount withdrawn from the date of the transaction until the date of full payment (Effective Interest Rate: 29.9% per annum). Cash advance fee per transaction is waived for Smart Credit Card from 4 October 2021 to 31 December 2022 (both dates inclusive).

      Waived

        

      Waived

        

      All such overseas cash withdrawals will also be subjected to additional fees imposed by the other bank, VISA/MasterCard International.

                

      Note: For Credit Cards that are linked to Current or Savings account, withdrawal amount will be deducted from the Credit Card if the overseas ATM machine does not support account type selection and Cash advance fee will apply.

      Cash advance fee per transaction is charged at 6% on the Cash Advance, subject to a minimum fee of S$15, in addition to the finance charges of 0.082% per day on the amount withdrawn from the date of the transaction until the date of full payment (Effective Interest Rate: 29.9% per annum). Cash advance fee per transaction is waived for Smart Credit Card from 4 October 2021 to 31 December 2022 (both dates inclusive).

      *World Partner customers enjoy the first cash withdrawal per month, free of charge at Standard Chartered and Cirrus ATMs worldwide if they use their World Partner Platinum Debit Card. This waiver does not include fees which may be levied by other banks in Singapore or overseas for accessing their ATM networks.

      Note:

      Foreign Currency Transactions
      1. All foreign currency transactions (including overseas and online transactions) effected in US Dollars will be converted to Singapore Dollars on the date of conversion. All foreign currency transactions effected in a foreign currency other than US Dollars will be converted into US Dollars before being converted into Singapore Dollars (the converted Singapore Dollars amount). The exchange rate may differ from the rate in effect on the date of the transaction due to market fluctuations. Any rate imposed is final and conclusive and you bear all exchange risks, loss, commission, and other bank costs which may be incurred as a result. All conversions will be based on the prevailing wholesale interbank rates or the government-mandated rate, as shall be determined by the respective card associations, namely Visa Inc. (Visa) or Mastercard International (Mastercard).
      2. In addition, all foreign currency transactions (including overseas and online transactions) charged to Visa / Mastercard cards will be subject to: (i) a prevailing charge of 1% of the converted Singapore Dollar amount representing the charge imposed by Visa / Mastercard on the transaction; and (ii) a prevailing fee of 2.5% of the converted Singapore Dollars amount.
      Dynamic Currency Conversion
      1. If your foreign currency transactions (including overseas and online transactions) are converted into Singapore Dollars via dynamic currency conversion, which is a service offered at selected overseas ATMs, websites or by certain merchants (DCC), you acknowledge and agree that the process of conversion and the exchange rate applied will be determined by the relevant DCC service provider and not by us.
      2. In addition, all foreign currency transactions (including overseas and online transactions) converted via DCC will be subject to a prevailing charge of 1% of the transaction amount representing the charge imposed by Visa/Mastercard.
      Singapore Dollar Transactions Processed Overseas

      If you enter into Singapore Dollar transactions with: (i) a local merchant that routes its payment processing through an overseas intermediary; or (ii) a merchant that is registered by its acquiring bank (the Acquirer) as having been acquired overseas, regardless of where the merchant is actually located, such transactions will be subject to a prevailing charge of 1% of the relevant transaction amount representing the charge imposed by Visa/Mastercard. In both these cases the transaction is treated as a foreign currency transaction and the process of conversion and the exchange rate applied will be determined by the relevant payment processing intermediary or the Acquirer and not by us.

      Coin and Notes Services
      Types of Fees
      Personal Banking
      Priority Banking
      Deposit/ withdrawal of coins S$5 – Between S$20 and S$100
      S$10 – For every S$100 or part thereof
      Waived
      Changing of notes to coins S$5 – Per S$50 or part thereof Waived
      Notes deposit Free – First 300 pieces
      S$2 – For every subsequent 100 pieces or part thereof (in all denominations)
      Waived

      Note:

      • Charges are on a per account per day basis

      • Charges are waived for e$aver Kids! Account transactions

      • Coin services are only available on Tuesdays and Thursdays, between:
      – 11am to 1pm at selected branches located in shopping malls.
      – 10am to 12pm at all other branches

      NA

      Safe Deposit Box
      Types of Fees
      Personal Banking
      Priority Banking
      Key Deposit Fee (refundable) S$150 – Singaporeans and PR
      S$200 – Foreigners
      S$150 – Singaporeans and PR
      S$200 – Foreigners
      Addition / Change / Revocation of Nomination S$10 each S$10 each
      Change of safe deposit box S$20 S$20
      Break box charges due to lost key (Key Deposit Fee becomes non-refundable) S$210 S$210
      Inventory for estate duty / deceased customers S$30 S$30
      Annual Rental Fee
      Locker size (inches)
      Personal Banking
      Priority Banking
      4.75″ x 3.5″ x 20.0″ S$150 S$75
      7.5″ x 3.5″ x 20.0″ S$250 S$125
      8.0″ x 4.0″ x 24.0″ S$300 S$150
      10.0″ x 5.0″ x 24 .0″ S$450 S$225
      7.5″ x 7.5″ x 18.75″ S$400 S$200
      16.0″ x 8.0″ x 24.0″ S$700 S$350
      15.0″ x 7.5″ x 18.75″ S$600 S$300
      20.0″ x 10.0″ x 24.0″ S$800 S$400

      Note:
      • Annual rental fee is exclusive of GST

      • Safe Deposit Box service is only available at Battery Road Branch

      NA

      Guarantees
      Types of Fees
      Personal Banking
      Priority Banking
      Banker’s guarantee* 1% p.a. or min. S$100,
      (whichever is higher)
      1% p.a. or min. S$100,
      (whichever is higher)
      Amendment S$25 per amendment S$25 per amendment
      Cancellation S$100 per guarantee S$100 per guarantee
      * minimum loan limit of US$20,000 or equivalent for a maximum of 1 year, inclusive of the claim period
      Other Services
      Types of Fees
      Personal Banking
      Priority Banking
      Cash deposit in SGD to any account Free Free
      Cash deposit in FCY to same currency account 1.5% repatriation fee
      Min. US$15 or its equivalent
      1.5% repatriation fee
      Min. US$15 or its equivalent
      Cash withdrawal in SGD from any account Free Free
      Cash withdrawal in FCY from same currency account 1.5% commission
      Min. US$5 or its equivalent
      1.5% commission
      Min. US$5 or its equivalent
      Request for past copy of statement 

      (applies to both paper and eStatements)

      Current to 12 months: S$10 per monthly statement
      Beyond 12 months: S$50 per monthly statement
      Current to 12 months: S$10 per monthly statement
      Beyond 12 months: S$50 per monthly statement
      Deposits & Withdrawal confirmation Current to 12 months: S$10 per monthly statement
      Beyond 12 months: S$50 per monthly statement
      Waived
      Statement of interest Current to 12 months: S$10 per monthly statement
      Beyond 12 months: S$50 per monthly statement
      Waived
      Priority Banking service fee* Not applicable S$50
      Certificate of balance S$20 per request Waived
      Audit confirmation SGD – S$52 per request
      USD – US$30 per request (for foreign currency accounts)
      Waived
      Letter of reference S$20 per request S$20 per request
      Personal Data Report S$10 Waived
      Salary crediting via Payplus (for companies) S$0.50 per item,
      Min. S$30 or its equivalent
      S$0.50 per item,
      Min. S$30 or its equivalent
      Manual salary crediting (for companies) S$2 per payee,
      Min. S$30 or its equivalent
      S$2 per payee,
      Min. S$30 or its equivalent

      * The Priority Banking Service Fee is automatically waived if you:

      1. maintain a minimum of S$200,000 in deposits and/ or investments; or
      2. maintain a minimum of S$1.5 million in housing loans with us.

      Fees and charges may be chargeable for the Bank’s provision of selected Priority Banking services and are subject to change. Priority Banking membership is subject to you meeting our eligibility criteria. If the eligibility criteria are not met, we may at our discretion either: (a) Impose a fee (which will be deducted from any of your account(s) with us and you expressly authorise us to do so); or (b) Convert any or all of your household members, if any, who were accorded Priority Banking membership by us through the Household Recognition to Personal Banking relationship; or (c) Cease to or suspend the provision of any Priority Banking services until you meet the eligibility criteria. Priority Banking Services and Privileges International Terms and Conditions apply. Please visit www.sc.com/sg/terms-and-conditions/priority/ for full terms and conditions

      Important Notes on the Pricing Guide
      1. Standard Chartered Bank (Singapore) Limited (“Standard Chartered” or the “Bank”) reserves the right to vary, modify, add, delete or otherwise revise any of these terms, at the Bank’s sole and absolute discretion, with or without prior notice or reason.
      2. Please read this Pricing Guide in conjunction with the Bank’s Customer Terms, Current/ Cheque/Savings Account and Time Deposit Terms, Personal Loan/Personal Line of Credit/ Overdraft Terms, Governing Debt Consolidation Facility Terms, Credit Card Terms, and/ or such other terms as may be applicable or otherwise amended from time to time in the Bank’s sole and absolute discretion.
      3. For the avoidance of doubt, all the information in this Pricing Guide is subject to the terms of our banking agreement, and all fees and charges are subject to change.
      4. Unless otherwise stated, the meaning of key words printed like this and other words used in our banking agreement is explained in our Customer Terms, product terms and/ or such other terms as may be made available to you from time to time.
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