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
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:
- 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.
- Please verify the transaction information in the SMS is accurate, then proceed to enter the one-time-use password on the webpage.
- Do not let any third party know your one-time use password (Standard Chartered will never ask for your password).
- 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.