Online Banking

Why should I choose Online Banking?
  • It's so easy to apply. And, it's FREE!
  • It's your own bank. You have instant access to up-to-date information on your accounts.
  • It's safe & easy. Using your Internet Banking ID (ID) and Internet Banking Password, you can now bank with confidence knowing that your transactions remain safe with us. With our simple and intuitive navigational toolbars and buttons, you don't need other instructions or assistance.
  • It's fast. It takes only a few minutes to get updated account information and complete a banking transaction - giving you more time to do other things.
  • It's convenient. You can perform on-line banking right from the comfort of your home or office.
  • It's 24 hours. With this service, you can access your Standard Chartered accounts day or night - there is no need to wait for your monthly statement of account.
  • It's worldwide access. As long as you can access the Internet, you can access your Standard Chartered accounts, anywhere in the world.
  • No special software required. You don't need to purchase any special software. As long as you have a personal computer (PC) with the minimum configuration, you are ready to start.
  • Wide range of service. Our wide range of on-line banking services will help you to better manage your finance. Moreover, we will progressively add more new services for your convenience.
Do I have to pay for using this service / Is there an extra charge for this service?
There is no extra charge for using this service. However, normal product fees and charges continue to apply.
Can I access the service from overseas?
Yes. As long as you are able to access the Internet with the recommended internet browser , you will be able to access the service.
Security
How secure is this service / How safe is my personal information going through the service / What security measures are being used by the service?

This service employs the 128-bit Secure Socket Layer (SSL), which is one of the strongest encryption technology most commonly used by large-scale online merchants, banks, and brokerages worldwide. All online sessions between you and the bank are protected by up to 128-bit encryption, which best protects your information against disclosure to third parties.

What is encryption and how is it used to protect my information?

Encryption is a method of scrambling your information to protect its transmission across the Internet. Encryption transforms data into an unreadable form, and decryption reverses that process. Both encryption and decryption require the use of a special code, usually referred to as a key. The encryption of data provides a strong degree of protection against tampering while data is moving through the Internet.

How do I activate Secure Socket Layer (SSL) Version 3.0?

If you are using Netscape Communicator 4.7x,

  • Click on [Communicator]
  • Select [Tools] follow by [Security Info]
  • Click on [Navigator]
  • Check [Enable SSL (Secure Sockets Layer) v3]
  • Click on [OK]

If you are using Internet Explorer 5.x,

  • Click on [Tools]
  • Select [Internet Options]
  • Select [Advanced] Tab
  • Scroll down to [Security]
  • Check [Use SSL 3.0]
  • Click on [OK]
What are cookies and how are they used for this service?

A cookie is information that a web site puts on your hard disk that it can remember something about you at a later time. This mechanism allows the server to store its own information about a user on the user's own computer. We do not use cookies for this service.

What precautions should I take for this online service?

Besides maintaining the confidentiality of your Internet Banking ID and Internet Banking password, you should take the following precautions:

  • DO NOT reveal your ID and password to anyone, write down or use it where someone else can see.
  • Change your password IMMEDIATELY, using the 'Change of Password' service, if you suspect it has been revealed.
  • DO NOT use easily recognised numbers such as your telephone number etc. as your password.
  • REMEMBER TO LOG OUT of the system and close your browser whenever you leave your computer, even for a short while.
  • Clear your browser's cache on a regular basis so that your account information is removed. This is particularly important if you are using a shared PC. You should clear it after each session.
  • Always use the latest recommended internet browser so that you are using the most updated security features available.
  • Call our phone banking/call centre immediately if you notice any unusual transactions on your account.
What should I do if I suspect there are unauthorized transactions on my account?

If you suspect there are unauthorized transactions on your account, please report to our phone banking. Please provide details such as your name, account number, transaction type, date & time of transaction, description of error and amount involved.

If you suspect they are due to lost/stolen password, please call our phone banking to terminate the password immediately. You may want to take note of your last log-in date and time, as indicated at the Personal Homepage, each time you log-in to the service.

What precautions should I take when using shared/public PCs for this service?

We strongly recommend you not to conduct your Internet Banking transactions on such PCs unless you are sure that it is safe to do so.
Please clear browser cache after each session so that your account information is removed from such PCs.

  • What are cookies and how are they used for this service?

A cookie is information that a web site puts on your hard disk that it can remember something about you at a later time. This mechanism allows the server to store its own information about a user on the user's own computer. We do not use cookies for this service.

How do I safeguard and protect my password?
  • Do not choose a password that is easily identifiable such as your personal telephone number, birthday or other personal information etc.
  • Avoid using sequential numbers (such as 123456) or same number more than twice (such as 123226) for your password.
  • Your password must be kept confidential at all times and not be divulged to anyone. Do not reveal your password to anyone.
  • Your password must be memorised and not be recorded anywhere. Do not write down your password or use it where someone can see.
  • Change your password immediately if you suspect it has been revealed.
  • Change your password regularly. You can change your password anytime under 'Personal Update - Change of Password'.
Application for the Service
Who can apply for this service?

To use this service, you must have at least a transactional (CASA) account with Standard Chartered Bank, Zambia. Register instantly by visiting www.sc.com/zm, select Online Banking and click instant registration. You can also call our call centre on 5247 (toll free- all mobile networks), or visit your nearest Standard Chartered branch.

How do I apply for this service?

You can register instantly using your debit card details by visiting www.sc.com/zm, select Online Banking and click instant registration. You can also call our call centre on 5247 (toll free- all mobile networks), or visit your nearest Standard Chartered branch.

Log-in
What is my ID and password for log-in?
They are unique secret words / characters to each user to ensure confidentiality. You need both of them to log-in.
Can I use my ATM PIN to log in? Or use my Phone Banking PIN?

No, your Online Banking ID and password are unique to this service. However, you can use your ATM card details to register instantly for Online Banking as well as rest your forgot username or password.

What happens when my ID is invalid? What should I do if I have forgotten my ID/password?
Simply reset your ID and password instantly by using the forgot username/password feature available on the login page. You will need your ATM card details to perform this.
Can I change my password?

Yes, you may change your password, using the 'Change of Password' service, anytime to ensure security.

What should I do if I suspect that my password has been stolen or exposed to others?

If you suspect that your password has been stolen or exposed to others, please change your password immediately. Choose 'Personal Update' and change your password online.

Account Information
Can I see a summary of my accounts?

Yes. You can see a summary of your account profile at the Personal Homepage once you have logged-in to Online Banking.

Can I view the transactions belonging to all my accounts?

Yes, you can view the transactions belonging to all your accounts under the Account Services Account information section.

How far back can I view my transaction history?

You can view your transactional history up to one year for your accounts.

Can I download and save my account information and latest transactions?
Yes.
What is the use of the Mail Box in the Personal Homepage?

You can select your latest transaction or historical transactions for a period up to one year from the current date and click on the download button to save the information for your tracking.

The Mail Box is a feature in our Online Banking that allows you to view any messages that the Bank has sent to you.

Can I use the Mail Box to send email to my friend?
No. The Mail Box is only for communication between you and Standard Chartered Bank. For security reasons, we do not accept any instruction relating to financial transactions through the Mail Box.
Can I delete messages from the Mail Box?

Yes. You can delete the messages from the Mail Box. The deleted messages will be put into the Trash Box where our system will automatically clear the Trash Box on a regular basis.

How long do messages remain in the Mail Box?

All read messages will be deleted automatically on weekly intervals.

Funds Transfer
What kind of funds transfer can I do in this service?

You can transfer funds between your own Standard Chartered accounts, to another pre-registered 3rd party Standard Chartered accounts and to other pre-registered 3rd party Bank accounts.

Do I need to pre-register my accounts before I can use the funds transfer facility?

Yes, you will need to pre-register the 3rd party accounts before you can make a 3rd party or an interbank funds transfer.

How do I pre-register my 3rd party Standard Chartered accounts and other bank's accounts?

You can register any 3rd party accounts online using the 'Maintain Beneficiary' tab.

How long do I need to I have to wait after I have pre-registered the accounts before I can transfer my funds?

Registration of 3rd party accounts is instant. You can transfer funds to 3rd party accounts immediately after registering them.

When will the funds be available in the receiving account after I do an Immediate Fund Transfer to accounts within Standard Chartered Bank, ZM?

Fund transfers to other Standard Chartered Bank accounts within ZM will take effect right after the transaction.

When will the funds be available in the receiving account after I make an Immediate Funds Transfer to Other Banks' accounts?

When you confirm your instruction on a business day, the funds will be available to the beneficiary 2 to 3 business days later, subject to the beneficiary bank. However the amount will be debited from your SCB account on the same day for immediate transfer. It is advisable that you make allowance and pay 1 business day before the due date to cater for any unforeseen delays.

System Requirements
What hardware and software do I need for using this service?

Minimum Hardware Requirement

  • PC with Pentium 166MHz processor or higher
  • 32 MB RAM or higher
  • SVGA or higher resolution monitor, 256 colors minimum, 800 x 600 screen resolution
  • Modem of 56kbps or higher

Minimum Software Requirement

  • Microsoft Windows 95/98/NT/2000 operating system
  • Microsoft Internet Explorer Version 4.01 with Service Pack 2 or above*
  • Netscape Communicator Version 4.6 or above* (Note:Currently Netscape 6.x and 7.x is not supported)
  • Both "Java" and "Java Script" have to be enabled
  • Please ensure the Microsoft Virtual Machine is the default for your browser.

* To make use of the 128-bit SSL encryption and enjoy the highest level of security, we strongly recommend that you upgrade your browser to Internet Explorer version 5.01 and above or Netscape Communicator 4.7 and above (Note: Currently Netscape 6.x and 7.x is not supported).

How do I know the version of the browser that I'm using?

If you are using any of the following browser:

If you are using Netscape Communicator,

  • Click on [Help]
  • Click on [About Communicator...]

If you are using Internet Explorer,

  • Click on [Help]
  • Click on [About Internet Explorer]
  • Click on [Ok]
Can I use other operating systems?

We do not recommend the use of any operating system other than those mentioned in Software Requirement.

What display setting should I use for this service?

Our web site is optimised for view with screen resolution of 1024 x 768.

I'm a Macintosh user, will I be able to access this service?

We regret to inform you that Macintosh is not supported by this service currently.

Troubleshooting
What can I do if my Internet Explorer frequently hangs?

You can try upgrading your PC's Java Virtual Machine.

What should I do if I am not able to perform any financial transaction?

Ensure that you are using one of the recommended browsers. "This program has performed an illegal operation..." This is commonly known as GPF (General Protection Fault). This is an error that happens at your PC. You have to restart your browser usually. Sometimes you may need to restart your PC. If the problem persists, please consult your PC vendor.

What should I do if I do not get a response after clicking on a hyperlink or icon?

You can try upgrading your PC's Java Virtual Machine. Sometimes, the Internet becomes unavoidably slow to respond. If there is a delay in response from when you have clicked something, please wait. Avoid clicking repeatedly on a particular link. DO NOT CLICK "REFRESH" OR "RELOAD" BUTTON AS THIS WILL TERMINATE YOUR ONLINE SESSION AND YOU WILL HAVE TO WAIT FOR 15 MINUTES BEFORE YOU CAN LOG IN AGAIN.

Who can I call if I have any problem or enquiry in using this service?

Please call our phone banking. Kindly get note of the error code or message if any, to the customer service officer for investigation.

I get an error message mentioning "JavaScript not enabled". What does it mean?

Due to the requirements of the service, "Java" and "JavaScript" must be enabled in your browsers.
If you are using Netscape Communicator 4.7x,

  • Click on [Edit]
  • Select [Preferences]
  • Choose [Advanced] under [Category]
  • Check [Enable Java] and [Enable JavaScript]
  • Click on [OK] & restart the browser

If you are using Internet Explorer 5.x,

  • Click on [Tools]
  • Select [Internet Options]
  • Select [Advanced] Tab
  • Scroll down to [Microsoft VM]
  • Check [JIT compiler for virtual machine enabled]
  • Click on [OK] & restart the browser
  • Please refer to [HELP] contents if you're using browser of other versions.
How to clear cache? Due to the requirements of the service, "Java" and "JavaScript" must be enabled in your browsers.

If you are using Netscape Communicator 4.7x,

  • Click on [Edit]
  • Select [Preferences]
  • Choose [Advanced]
  • Select [Cache]
  • Click on [Clear Memory Cache] and [Clear Disk Cache]
  • Click on [OK] & restart the browser

If you are using Internet Explorer 5.x,

  • Click on [Tools]
  • Select [Internet Options]
  • Select [General] Tab
  • Click on [Delete Files] under [Temporary Internet Files] section
  • Check [Delete all off-line content]
  • Click on [OK] & restart the browser
  • Please refer to [HELP] contents if you're using browser of other versions.
What do I do if I get a message saying applet not initialized?
This might occur if you have set a Java plug-in to be used as a default Java runtime for your web browser.

Express Banking

How much can I withdraw from the ATM?
You can withdraw up to ZMW 20,000.00 per day.
How do I get my card when captured?
Visit any nearest branch or call toll free number 5247(All mobile networks) or Hotline numbers (+260 977 999 990/ +260 966 999 990).
What should I do if my card is lost/ stolen?
Immediately inform the bank by calling any of the following numbers: Hotline numbers (+260 977 999 990/ +260 966 999 990).
Can I send someone to withdraw cash on my behalf?
No, as doing so will compromise your pin.
Can I use my card on another bank's ATM?
Yes as long as the ATM is Visa branded.

Mobile Banking

What is Mobile Banking?
Mobile Banking is a simple, hassle-free, secure mobile phone banking service available to all Standard Chartered customers in Zambia. Currently the service is available to Airtel, MTN, and Zamtel subscribers.
Do I have to pay for using this service?
Please refer to the tariff guides for the latest charges, however all registered Mobile Banking users will receive free SMS alerts for selected credit and debit card transactions.
Can I access the service from overseas?
Yes, as long as you have roaming on your phone.
How secure is this service?
The risks for using the service have been minimised in that funds can only be transferred to Standard Chartered nominated accounts. Even if someone steals your mobile phone and somehow finds out your PIN, the worst thing that can happen is they can check your balance, transfer funds to your nominated accounts (spouse, child etc.) top up your phone and probably pay your bills. They can't transfer funds to their own accounts if they have not been nominated. Please note that you can nominate an account for a one-time transfer and immediately request for a deletion.
What precautions should I take for this Mobile service?
Besides maintaining the confidentiality of your Mobile banking ID and Mobile banking password, you should take the following precautions:
  • DO NOT reveal your password to anyone, write down or use it where someone else can see.
  • Change your password IMMEDIATELY, using the 'My Settings' service, if you suspect it has been revealed.
  • DO NOT use easily recognized numbers such as your telephone number etc. as your password.
What should I do if I suspect there are unauthorized transactions on my account?
If you suspect there are unauthorized transactions on your account, please report to our phone banking. Please provide details such as your name, account number, transaction type, date & time of transaction, description of error and amount involved.
Who can apply for this service?
To register for Mobile Banking, a customer must have a StanChart account and (currently) must be an Airtel, MTN or Zamtel subscriber.
How do I apply for this service?
You will need to complete an 'application form' and submit to the branch or via the Contact Centre.
What is my password for log-in?
They are unique secret characters to each user to ensure confidentiality.
Can I use my ATM PIN to log in? Or use my Phone Banking PIN.
No, the mobile Banking password is a unique combination of six digits.
What should I do if I have forgotten my password?
Please call our phone banking and our agents will gladly assist you.
Can I change my password?
Yes, you may change your password, using the 'My Settings' service, anytime to ensure security.
What should I do if I suspect that my password has been stolen or exposed to others?
If you suspect that your password has been stolen or exposed to others, please change your password immediately. Choose 'My Settings' and change your password.
How far back can I view my transaction history?
Under the Mini statement option, you can view details of the last 2-3 customer transactions.
What kind of funds transfer can I do in this service?
Customers are able to transfer funds to self and nominated accounts and as additional security feature customers can not transfer funds to any other account if it has not been initially nominated.
Do I need to pre-register my accounts before I can use the funds transfer facility?
Yes, you will need to pre-register the 3rd party beneficiary accounts before you can make transfers.
How do I pre-register my 3rd party beneficiary Standard Chartered accounts?
You can either call our Contact Centre or drop off an application at the nearest Branch.
How long do I need to wait after I have pre-registered the accounts before I can transfer my funds?
Once the account/s has been successfully registered, you may proceed to transfer funds immediately.
When will the funds be available in the receiving account after I do an Immediate Fund Transfer to accounts within Standard Chartered Bank?
Fund transfers to other Standard Chartered Bank accounts will take effect right after the transaction.
Who can I call if I have any problem or enquiry in using this service?
Please call our Contact Centre on 5247 (Toll free all mobile networks); 08001 247 247 (Toll free all Landlines). You can also call us on our 24/7 Hotlines on +260977999990 or +260966999990.

Contact Centre

Do I have to pay for this service?
The service is free of charge when you call us on the toll free number 5247 on all networks. However, when you call us on the hotlines, you will be charged by your telephone services provider according to your tariff plan.
Can I access the service from overseas?
Yes, as long as you have roaming on your phone. You can also call us on the hotlines from other foreign networks.
(Put the SME-specific security information in the SME application form)
What should I do if I suspect there are unauthorised transactions on my account?
Immediately call us on our toll free line 5247 or our 24/7 hot lines +260 966 999 990 or +260 977 999 990 and talk to our customer service representative who will assist you.
Who can use this service?
All Standard Chartered Bank customers and the general public.
 

Call Us

5247
(On all mobile networks)
+260 966 999 990
(24-hour hotline)
+260 977 999 990
(24-hour hotline)

Contact Me

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

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Locate Us

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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.

Disclaimer

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.

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