Our Commitment to Service

Standard Chartered recognizes that our customer's expect convenient and secure online services, which is why we implemented SSL encryption for all of our Online Banking services and adopted the One-Time Password (OTP) security mechanism in order to protect your online transactions and personal data. We want to make your life better by offering more convenient services.

Online Banking Security Overview

Online Banking Password Security Mechanism

We use a "fixed password" + "SMS OTP" at each level to ensure your nnline banking transactions are safe and secure, allowing you to use our internet services easily and comfortably.

Use of "fixed password" +"SMS OTP"
You can log in with your self-set "fixed password" and complete a wide range of low-risk transactions and services. To use higher risk services, you will need to enter your "SMS OTP" for security purposes. "SMS OTP" is a one-time password. That is sent to your mobile phone every time you make a request and is valid for 100 seconds. Each password can only be used once.

In addition, 128-bit SSL encryption is used for all personal internal banking data transfers. How do you know when you have entered an encrypted environment? Check and see if the internet address (URL) begins with "https", and then make sure the lock icon in your browser actually appears locked. If yes, then any information you send out is protected by encryption, which means your data can’t be accessed by a third party during the transfer process.

Multi-Layer Protection for a Secure Web Environment

Identity confirmation
When you log into Standard Chartered's online banking, you will need to enter your ID number, user name, and password. In the case of 3 consecutive failed logins, the system will automatically place a temporary lock on your account to ensure security. Please refer to the instructions provided by the bank in order to unlock your account.

Guarding your transactions
Before confirming a specific transaction, you will be asked to enter your fixed password or SMS password a second time for security reasons (please follow the instructions provided). Your transaction will be completed after a system confirmation is complete.

No simultaneous logins
If a second request is made to log in to your account while you are already logged in, the system will recognize it as an abnormality and deny the most recent login attempt as well as log out the current user. Please re-open your browser and try to log in again after 10 minutes. If this situation is caused even after following regular procedures to log out, please contact our customer service centre 4058-0088. Mobile phone users should dial (02) 4058-0088.

Automatic log out
If you do not complete a transaction within 9 minutes of logging into Standard Chartered’s online banking, the system will send out an automatic reminder asking if you wish to continue to use the service. If there is no response within 1 minute, we will automatically log you out to ensure your account safety.

Protecting Your security
Standard Chartered online banking is monitored by our expert staff 24 hours a day to prevent abnormal transactions and unauthorized log-ins. We are committed to providing safe and secure transactions and services at all times. If you have any questions or problems during your use, please contact our 24 hour customer service centre at 4058-0088, for mobile phone users please dial (02) 4058-0088, we will provide you with the most caring services.

Security Mechanism Overview
  • Standard Chartered online banking adopts the advanced SSL security mechanism that is a symmetric encryption/decryption to provide whole data encryption, ensuring the data privacy and completeness without being intercepted or cracked during transfer. "Password" and "SMS password" security mechanisms are also used to further protect your online transaction and personal information.
  • Check your SMS:
    1. Whenever you wish to perform an undesignated transfer in online banking we will send a set of 6 digit one-time-use password and a partial information of the transaction to your mobile phone number through SMS.
    2. Please verify the transaction information in the SMS is accurate, then proceed to enter the one-time-use password on the webpage.
    3. Do not let any third party know your one-time use password (Standard Chartered will never ask for your password).
    4. You will also receive an e-mail notification (if an e-mail address is saved) after the completion of your transaction, please verify the transaction information in your e-mail notification.
  • Please verify the date and time of your last log-in whenever you log in to online banking.
  • Regularly check your account balances and monthly statement, to see if there's any irregular transaction.
  • If you need to change your contact information, please visit our branches or contact customer service centre.


Precautions for Use of Online Banking
    1. Please be aware of Malware attacks

    2. To protect your rights and interests, the system will ask you to re-log in if there's any action within 10 minutes after logging in to online banking; and as a result of system processing account transfers, during certain transaction hours account transfers will not be available. We apologize for any inconvenience caused! After using Standard Chartered online banking services or the SC Mobile App, please remember to log out and close the internet browser window. Never leave your computer unattended during your online banking session.
    3. When logging in to Online or Mobile Banking, safeguard your login details by keeping them away from prying eyes.
    4. Customers who use password to log in, in case of consecutive failed log-in attempts or forgotten username, please refer to online instructions to unlock the account.
    5. Make a habit of changing your Username or Password regularly as it can further protect your online banking security. Do not use personal information as your PIN or Password that can be easily guessed or retrieved by fraudulent parties, e.g., ID number, date of birth, full name, address, mobile and phone number. Refrain from using these and ensure your bank account password is unique from your other passwords. Keep your account information private, and do not share your customized username or Password with other individuals. Do not write down and keep your PIN or Password in a place where it can easily be obtained or seen by unwanted individuals.
    6. Pay attention to your Transaction Notification when you receive it via e-mail. Try to immediately verify the transaction and if you find or suspect that your online banking account has been used by unauthorized individuals, please contact our Customer Service Line at 4058-0088, or for mobile phone users please dial (02) 4058-0088.
    7. Please store your "mobile phone" in a safe place:
      "Mobile phone " means the specified cell phone number to receive SMS password and its hardware and software including the SIM card and documents, please keep properly and do not transfer, lend to, or in any way give to any other third party. Please keep your user number and password safe and never give your password to a third party. (Reminder: Standard Chartered staff will never ask you for your password). Please do not store your username, password or account number on your mobile phone.
    8. Never respond to unsolicited emails, phone calls or texts. Scammers are clever at impersonating someone you trust, such as a police officer or a Bank representative. If you receive a suspicious email, text or phone call allegedly from the Bank, please check the identity of the sender or caller with us immediately.
    9. Beware of payment or fund transfer requests from people you don't know. If you are unsure, speak to someone you trust or contact us before making any payment or cash transfer. Watch out for unauthorised cash deposits or withdrawals on your account, they could be fraudulent transactions.
    10. Do not use public computers (e.g., Internet Cafe, Public Library, Hotels, etc.) to logon to your online banking services. Always pay attention to your surroundings to prevent individuals from seeing your personal login information.
    11. Beware of phishing websites (fake websites that appear to look like authentic banking website). Please verify the online banking internet address, and do not connect through unknown pages or e-mail links to avoid any potential scam. It is recommended that you add Standard Chartered's official website (www.sc.com/tw) to "My favourites" in your browser’s Bookmarks tab.
    12. Please use Microsoft IE11、Google Chrome、Firefox、Safari、Edge or later browsers, and change your display setting to at least 1024 × 768 resolution and 256 colors for maximum user experience. In addition, to increase the level of security during online transactions, we have blocked access attempts from browsers using SSL 3.0. To access our online banking service, please use the latest version of your browser, and if you are using IE, please ensure that TLS security setting is enabled by going to Tools -> Internet Options -> Advanced -> Enable check box to use TLS 1.0 and above and disable SSL 3.0.
    13. Download the SC Mobile App from Google Play or the App Store — never from third-party sites. To access our online banking service, please use the latest version of your browser, and if you are using IE, please ensure that TLS security setting is enabled by going to Tools -> Internet Options -> Advanced -> Enable check box to use TLS 1.0 and above and disable SSL 3.0. Start by regularly updating the apps and anti-virus software on your mobile phone, tablets and laptops.
    14. If you notice any unauthorised access to your account or unauthorised transactions on your account close the mobile app or web browser and contact us immediately at 4058-0088(dial from a mobile phone, please call at 02-4058-0088). Remember, Standard Chartered will never request for your password or security information by phone call, email or SMS.

The use of online banking means not having to line up and not having to rush anymore. Now you can easily use banking services from the comfort of your own home. It is the smartest choice in a busy life. Standard Chartered understands your concern about the safety of online transaction, please follow the above mentioned instructions to use online banking and you will be able to enjoy its fast and convenience service.

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Online Security Guidelines

    1. Type your Online banking URL

      Always access our online banking by typing the correct URL (www.sc.com/tw) into your browser. Never click on a link in an email to take you to a website, or enter personal details either in the email or website.

    2. Password and PIN security

      You should always be wary if you receive unsolicited emails or calls asking you to disclose any personal details or card numbers. This information should be kept secret at all times. Be cautious about disclosing personal information to individuals you do not know.
      Please remember that we will never contact you directly to ask you to disclose your PIN or your full password information.

    3. If it sounds too good to be true...

      It probably is. Don't be conned by convincing emails offering you the chance to make some easy money. As with most things, if it looks too good to be true, it probably is. Be cautious of unsolicited emails from overseas - it is much harder to prove legitimacy of the organisations behind the emails.

    4. PC security

      It is important to use up-to-date anti-virus software and a personal firewall. If your computer uses Microsoft Windows, it is important to keep it updated via the Windows Update feature, equally if you use another operating system you should check regularly for updates. You should be vigilant if you use internet cafes or a computer that is not your own and over which you have no control.

    5. Keep your identity private offline

      Your identity can be as easily stolen offline as it can online. It is important that you comply with instructions about destroying new PIN numbers and expired bank cards.
      You should also consider using a crosscut shredder to destroy bank and other statements that may contain sensitive personal information. It is advisable to store retained documents in a suitable locked and fireproof container.

    6. Check your statements

      It is important to check your statements regularly; a quick check will help identify any erroneous or criminal transactions that might have been performed on your account without your knowledge.

    7. Check your banking session is secure

      When undertaking any banking on the internet, check that the session is secure. There are two simple indicators that will tell you if your session is secure. The first is the use of https:// in the URL. Some browsers such as Mozilla Firefox change the colour of the url window when you are in a secure session. The other indicator is the presence of a digital certificate represented by a padlock or key in the bottom right hand corner. If you double click on this icon it should provide you with information about the organisation with which you have entered in to a secure session.

    8. Check For Spyware

      In addition to being protected by using up-to-date antivirus software you should also regularly use software to remove spyware from you computer, as these programs record information about your internet use and transmit it without your permission. In some circumstances this can compromise your PC security.

    9. Ensure You Log Off Properly

      It is important to completely log off from your Online banking session; simply closing the window you performed the transaction in may not close the banking session. If your computer is infected with a Trojan, your session may become hijacked by a criminal and financial transactions may be performed without your knowledge. It is also advisable to disconnect from the internet if you are not planning to use it.

    10. What we do to make your Online banking session secure

      We use a combination of Secure Socket Layer (SSL) protocol and passwords to protect your information. In addition, stronger authentication is used as appropriate to particular markets.

Call Us

Call our hotline for further information

4058 0088

Locate Us

Visit the branch that is nearest to you.

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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.