Online unauthorised card transaction guarantee icon
Safeguarding Your Online Funds

When you sign up for an online banking account, your money will automatically be protected under this guarantee. In the event an unauthorised transaction is made from your online banking account, we will replace any loss of funds.

How Does It Work?

Our Online Banking security guarantee protects your money when you play your role in ensuring online security. However, we need to verify that you have taken these precautions when banking online:

  • You have not given your security details to someone else. These include:
    • Your username and PIN
    • 2-Factor Authentication (2FA)
    • Enhanced Second Factor Authentication
    • Additional Login PIN (ALP) via SMS or security token.
  • You have followed our recommended security practices, adhered to the terms and conditions, and followed the data protection and privacy policy that apply to your account and online banking.
  • You do not use an account aggregation service (a service provided by another company that allows you to view all of your bank details on a single website) or a similar service.
  • You monitor records of your transactions regularly, and report discrepancies to us within 14 days from the date of your statement of account.
  • You offer your full co-operation and provide all information needed to the bank and relevant authorities.
  • The replacement of your funds is limited to the amount illegally transferred from your Online Banking account. This guarantee does not cover any other losses, including indirect, consequential or special losses, damages, expenses, legal fees or loss of opportunity.
  • The guarantee will not apply where the transaction was carried out with your knowledge and consent, or where you have acted fraudulently, dishonestly or in a criminal manner, alone or with others.
  • Investigations will begin the moment you inform us that your account has been compromised.

Call Us

Call our hotline for further information.

1800 747 7000

Contact Me

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

Contact Me »

Locate Us

Visit the branch that is nearest to you.

Find a Branch »

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.