SC Mobile App

Getting started
What is SC Mobile ?

SC Mobile is a Standard Chartered banking app that allows you to open an account and perform all your banking services on the phone from anywhere and anytime.The app is available for FREE on Google Play (for android) and AppStore (for iOS). To download, simply go to any of these stores and search for SC Mobile Zambia.

How can I apply for a new account?

Open SC Mobile, on the Prelogin page you can select 'Apply for Bank Account' where you will be asked if you are new to the bank or an existing client.

If you are a New Client to the bank - you will proceed to the Product Catalogue where you may apply for either a Savings Account and a Current Account and open it in one easy application. Please note that only Existing clients are able to apply for a Fixed Deposit, Personal loans, Credit Card, Mortgage, and Auto Loan. So become a Standard Chartered (SC) Client today and discover the easy ways you can start digital banking.

If you are an Existing Client - you will need to Login, then visit 'Main menu > Apply for a new Product'. We have a wide range of Digital accounts: Savings and Current accounts, Fixed Deposits, Loans and Cards.

We've made it easy to manage most of your banking from your mobile with over 70 new banking requests. Once you are logged in and banking, you may manage your service requests by visiting the 'Main menu > Service Requests'. You can also make changes to your profile by visiting the 'Main menu > Service Requests > Profile Details'.

What requirements are needed for me to open an account?

For Zambian Nationals

  • NRC or Passport
  • TPIN
  • Proof of residence

For non-Zambian Nationals

  • Passport
  • TPIN
  • Government approved permit
  • Proof of residence (optional)
How do I apply for a TPIN if I don't have one?

For Zambian Nationals

  • Dial *858#
  • Select option 2 - TPIN Registration and follow the prompts
How will Standard Chartered protect the privacy of my personal data and documents?

The security of your personal data is important to us. SCB has technical and organisational security measures in place to safeguard your personal data. When using external service providers, we require that they adhere to security standards mandated by SCB. We may do this through contractual provisions, including any required by a privacy regulator, and oversight of the service provider. Regardless of where personal data is transferred, we take all steps reasonably necessary to ensure that personal data is kept securely.

https://www.sc.com/en/privacy-policy

What is Digital banking?

Digital banking is the digitisation (or moving online) of all the traditional banking activities and programs that historically were only available to clients when physically inside of a bank branch

What products do you offer?

We offer account opening for the following accounts on SC Mobile App, refer to our website for our full offering.

Save

Savings Accounts

  • You have big dreams for your future, for yourself and your family.

Current Accounts

  • A digital account designed to suit your lifestyle

Fixed Deposit

  • Fixed Deposit - helps you grow your savings with guaranteed high returns.

If you are an existing Client, you will be able to either apply on SC Mobile App or start a conversation:

Borrow

Loans

  • Personal Loan (Unsecured) - Designed for salary earners to obtain unsecured credit to further their individual plans.
  • Credit Card - Do more with easy access to financing using your credit card
How does Digital Account opening work?

How digital account opening works

STEP 1 - Download SC Mobile App from the App store if you are using an Apple device or from Google Play store if you are using any other handset/device. Search for 'SC Mobile Zambia'.

STEP 2 - Apply for a new account by selecting 'Open a Bank Account'. You may select both a Savings Account and a Current Account. You will need to be 18 years or older and be in possession of a National ID or Passport if you are a non-citizen.

STEP 3 - Get started on an all-in-one easy application, complete your personal details and upload or capture some documents from your mobile camera. It shouldn't take you more than 15 minutes and you can save and resume at anytime. Please note you will have within 30 days to submit and manage your application.

STEP 4 - Review, agree to Standard Chartered (SC) Terms and Conditions and submit your application. Within 2 to 3 working days we will deliver your debit card and activate your account.

STEP 5 - If you have any required updates to your application or documents we will send you notifications to resubmit documents on SC Mobile App.

STEP 6 - Once all documents and details are approved we will commence 'Account Activation'. Before your account can be activated to start digital banking, the bank has procedures that authenticate each applicant to verify their identity to protect individuals from identity theft.

After you receive your Account Number, there are the ways on how we will verify your identity to Activate your account:

  • An approved SC courier agent will authorise your identity verification. When this is completed we will hand over your new debit card. Card delivery will be done within 2 working days.
  • Visit your nearest SC Branch, Locate us
  • Where applicable, ID verification will be completed automatically through integration with the local National registry.

STEP 7 - Now that you have been activated, it will be time to Register for SC Mobile App and Online Banking using your temporary ID and password, to set up your own Login credentials and you can also setup easy login with Touch ID.

STEP 8 - After around 2 working days, our authorised agents will deliver your debit card to you. Once you have received your debit card you may now activate it by setting up your card PIN. After you have logged in, visit 'Main menu' and select 'Service Requests' > 'Card Management' > 'Debit Card Activation & PIN Set'

Is Mobile Banking service available 24-hours?

Yes. Both Mobile and Online Banking are available 24/7 allowing you to bank anywhere and anytime. For further assistance get in touch with our Client Care Centre, we're here to help.

Can I access the service from overseas?

Yes, there are no restrictions. All you need is connection to the internet.

For further assistance get in touch with our Client Care Centre, we're here to help.

Do I have to pay for using this service?

No you don't have to pay, it is a FREE service to access SC Mobile App and Online Banking.

Submitting an application
I need help with the One-Time Password (OTP)

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.

How can I resume my application?

During account application, we automatically save at the conclusion of each page. Each page will autosave when you progress so that you can resume to the same position when returning.

  • Open SC Mobile and select 'Resume Application'.
  • Enter your registered mobile phone number and select the option 'Resume Application'.
  • To proceed you will need to enter the One-time password (OTP) sent to your registered mobile number and submit.
  • Resume from your last save point.

Your application will be protected by 2 Factor Authentication (Login & OTP) security before you can access.

Please note you will have within 30 days to submit and manage your application, so do try to finish it as quickly as possible.

We might even send you resume reminders so hopefully you can submit without us. For further assistance get in touch with our Client Care Centre, we're here to help.

I need help with my Personal and Contact details

We ask for Contact details so that we know where to direct any physical or electronic correspondence. Account eStatements will be sent to the email address provided. For any bank letters that you may need from time to time, we also request your Mailing address to which they will be sent.

If you are having trouble completing Personal details or Contact details please get in touch with our Client Care Centre, we're here to help.

I need help with Employment and Tax

What document size and formats are required?

  • We accept image formats in JPG, JPEG, GIF, PNG and PDFs.
  • Our maximum size limit per document is 5MB.
  • For a tip on reducing the size of your image, try emailing the image to yourself and select a smaller file size, this would now save a smaller image to your phone's gallery and you can select it for the upload.

For further assistance get in touch with our Client Care Centre, we're here to help.

I need help with Uploading Documents

What document size and formats are required?

  • We accept image formats in JPG, JPEG, GIF, PNG and PDFs.
  • Our maximum size limit per document is 5MB.
  • For a tip on reducing the size of your image, try emailing the image to yourself and select a smaller file size, this would now save a smaller image to your phone's gallery and you can select it for the upload.

For further assistance get in touch with our Client Care Centre, we're here to help.

Where can I find the W-8 and W-9 forms?

If you require US Taxation forms, you may download W-8 and W-9 Forms from the US Government department website: https://www.irs.gov

For further assistance get in touch with our Client Care Centre, we're here to help.

I need help Submitting my application

On the Review page you will need to agree to our General Declaration and also accept all Client Terms and Conditions relating to Account Opening. We also capture an upload of your Signature which can be written with dark pen on paper and uploaded as a mobile phone photo upload.

If you are not receiving your One-Time Password (OTP). Please re-try the service call and wait a few minutes. Be sure that each new digits match the alphabetical letters on each OTP sent. If you are still experiencing issues, for further assistance get in touch with our Client Care Centre, we're here to help.

What happens if my application expires?

You will have up to 30 days to submit , manage and complete the application process. If your application has expired, we regret that you will have to start a fresh application.

Re-submitting documents
I have to re-submit due to an unclear image

If Verification was not legible due to image unclear and/or poor image quality.

  • Turn off your flash, as it reflects on Identity documents.
  • Check that your details are in focus and clear to read.
  • Ensure you complete both Front and Back sides.
  • Ensure the whole document edge is captured.

How to resubmit documents

  • Open SC Mobile and select 'Resume Application'.
  • Enter your registered mobile phone number and then select the option 'Check my Application Status'.
  • To proceed you will need to enter the One-time password (OTP) sent to your registered mobile number and submit.
  • View documents requiring resubmission
  • Upload documents and submit

You may also refer to your Service Request Number found in your emails if you need to contact us.

For further assistance get in touch with our Client Care Centre, we're here to help.

I have to re-submit as my Document has expired or not valid?

If, Your Document has expired or is not valid;

  • Please upload a valid document within the accepted valid period. More information can be found when uploading within tooltips for more info.
    • A Utility bill should be valid within the last 3 months.
    • A Residence Lease must be within the valid lease period.
    • A Residence Certificate may not have an expiry date.
  • Check that your details are in focus and clear to read.
  • Ensure the whole document edge is captured.

How to resubmit documents

  • Open SC Mobile and select 'Resume Application'.
  • Enter your registered mobile phone number and then select the option 'Check my Application Status'.
  • To proceed you will need to enter the One-time password (OTP) sent to your registered mobile number and submit.
  • View documents requiring resubmission
  • Upload documents and submit

You may also refer to your Service Request Number found in your emails if you need to contact us.

For further assistance get in touch with our Client Care Centre, we're here to help.

I have to re-submit due to incorrect or mismatching details

Please upload a document which contains your own name.

  • Check that your details including full name, date and an address within a valid period are in focus and clear to read.
  • Ensure the whole document edge is captured.
  • Turn off your flash.

How to resubmit documents

  • Open SC Mobile and select 'Resume Application'.
  • Enter your registered mobile phone number and then select the option 'Check my Application Status'.
  • To proceed you will need to enter the One-time password (OTP) sent to your registered mobile number and submit.
  • View documents requiring resubmission
  • Upload documents and submit

You may also refer to your Service Request Number found in your emails if you need to contact us.

For further assistance get in touch with our Client Care Centre, we're here to help.

I have to re-submit due to Whole document edge not shown

If, you have to re-submit due to Whole document edge not shown

  • Ensure that all four edges of the document are captured clearly in your uploaded image.
  • Turn off your flash.
  • Check that your details are in focus and clear to read.

How to resubmit documents

  • Open SC Mobile and select 'Resume Application'.
  • Enter your registered mobile phone number and then select the option 'Check my Application Status'.
  • To proceed you will need to enter the One-time password (OTP) sent to your registered mobile number and submit.
  • View documents requiring resubmission
  • Upload documents and submit

You may also refer to your Service Request Number found in your emails if you need to contact us.

For further assistance get in touch with our Client Care Centre, we're here to help.

I have to re-submit my National ID or Passport

To re-submit my National ID or Passport

  • Please upload the correct document type.
  • Check that your details are in focus and clear to read.
  • Ensure you complete both Front and Back sides.
  • Ensure the whole document edge is captured.

How to resubmit documents

  • Open SC Mobile and select 'Resume Application'.
  • Enter your registered mobile phone number and then select the option 'Check my Application Status'.
  • To proceed you will need to enter the One-time password (OTP) sent to your registered mobile number and submit.
  • View documents requiring resubmission
  • Upload documents and submit

You may also refer to your Service Request Number found in your emails if you need to contact us.

For further assistance get in touch with our Client Care Centre, we're here to help.

I have to re-submit my Selfie / Photo ID

To re-submit my Selfie / Photo ID

  • Please upload the correct document type.
  • Turn off your flash.
  • Hold your National ID or Passport up to your chin so we can see your face, head and shoulders and your ID details clearly on a White Background.
  • Check that your details are in focus and clear to read.
  • Ensure all of the edges of the document edges are captured.

How to resubmit documents

  • Open SC Mobile and select 'Resume Application'.
  • Enter your registered mobile phone number and then select the option 'Check my Application Status'.
  • To proceed you will need to enter the One-time password (OTP) sent to your registered mobile number and submit.
  • View documents requiring resubmission
  • Upload documents and submit

You may also refer to your Service Request Number found in your emails if you need to contact us.

For further assistance get in touch with our Client Care Centre, we're here to help.

I have to re-submit my Signature

We require you to upload a clear copy of your Signature. Please sign using a dark pen on a plain white background sheet of paper. Capture a photo of the whole signature with at least 5 cm surrounding margin of clear space. It is also important to sign your name how you will sign to operate your account and if relevant, it will be used to match against cheques so be sure to sign a decent copy of your signature.

How to resubmit documents

  • Open SC Mobile and select 'Resume Application'.
  • Enter your registered mobile phone number and then select the option 'Check my Application Status'.
  • To proceed you will need to enter the One-time password (OTP) sent to your registered mobile number and submit.
  • View documents requiring resubmission
  • Upload documents and submit

You may also refer to your Service Request Number found in your emails if you need to contact us.

For further assistance get in touch with our Client Care Centre, we're here to help.

I have a technical issue when submitting my documents

If you have received a notification of a technical issue, we recommend you try re-uploading your image tasks again. If you are still experiencing a technical issue please get in touch with our Client Care Centre by selecting 'Help' on the Prelogin home screen of SC Mobile App or once signed-in, select 'Main menu' > 'Contact us'.

How to resubmit documents

  • Open SC Mobile and select 'Resume Application'.
  • Enter your registered mobile phone number and then select the option 'Check my Application Status'.
  • To proceed you will need to enter the One-time password (OTP) sent to your registered mobile number and submit.
  • View documents requiring resubmission
  • Upload documents and submit

You may also refer to your Service Request Number found in your emails if you need to contact us.

For further assistance get in touch with our Client Care Centre, we're here to help.

Verification & Debit Card delivery
How can I Activate my account?

Before your account can be activated to start digital banking, the bank has procedures that authenticates each applicant to verify their identity to protect individuals from identity theft.

After you receive your account number, there are multiple ways on how we will verify your identity to Activate your account:

  • An approved SCB courier agent will authorise your identity verification. When this is completed we will hand over your new debit card. Card delivery will be done within 2 working days.
  • Visit your nearest SCB Branch Locate us (At your convenience)
  • Where applicable, ID verification will be completed automatically through integration with the local National registry.

For further assistance get in touch with our Client Care Centre, we're here to help.

When do I receive my Debit card?

For new to bank clients, after completing Account activation, your debit card will be delivered within 2 to 3 working days at a time and location that suits you. Our SCB approved agents will call you before to schedule this FREE delivery.

For existing SCB Clients, after receiving an assigned account number, your debit card will be delivered for FREE within 2 to 3 working days.

How can I activate my debit card and setup a PIN?

Open SC Mobile App, either select 'Activate debit card' or proceed to Login. Once signed-in select 'Main menu' and select 'Service Requests' > 'Card Management' > 'Debit Card Activation & PIN Set'.

You can also manage your debit card or credit card within 'Service Requests' > 'Card Management' for the following requests:

  • Block & Replace Debit Card
  • Replace My Debit Card
  • Change Debit Card PIN
  • Activate Debit Card & Set PIN

For further assistance get in touch with our Client Care Centre, we're here to help.

Register for Online Banking
How to Register for SC Mobile?

After you activate your account. We will send you an Email with your Temporary ID and an SMS which will contain your temporary Password. Once you have received both you are now ready to Register for SC Mobile App where you may create your own login credentials. These same details will also be used to login for Online Banking. Please be aware that you have 30 days to login for the first time to ensure a smooth experience.

How to register

  • Open SC Mobile and select 'Login'
  • On the Login screen select 'Register Here'
  • Register using your Temporary User ID (received via email) and Temporary Password (received via SMS).
  • Post first-time login, you will be prompted to set up your own login credentials. Make sure that you choose a strong password and store it securely.

For further assistance get in touch with our Client Care Centre, we're here to help.

What should I do if I have forgotten or need to reset my password?

If you forgot your password, you can reset it online using your Debit Card number and PIN.

Open SC Mobile App, and select 'Login' > 'Forgot' and follow your preferred options to reset your password or login. You will need a mobile phone that is registered with the bank and one of the following:

  • Debit card, Expiry and PIN
  • Credit card and Card details
  • Account Number and TIN

For further assistance get in touch with our Client Care Centre, we're here to help.

Logging in
How can I safeguard and protect my password?

Keep your password and PIN secure

Your passwords and PIN should:

  • Be kept confidential and not be divulged to anyone.
  • Be memorised or use a password manager (A password manager stores ALL of your passwords and other private information in one, convenient location) not recorded anywhere.
  • Be changed regularly, or when there is any suspicion that it has been compromised or impaired
  • Not be based on guessable information such as your name, personal telephone number, birthday or other personal information.
  • Not be stored or retained in your browser.
  • Not be based on the same details that you use to access other services such as email, other Internet sites/ISPs, ATM PIN, or Phone banking PIN.

For better security, we recommend that your password:

  • Uses 8-16 alpha-numeric character set consisting of both numbers and letters, lowercase and uppercase, e.g. IcneL9305.
  • Does not contain 3 or more consecutive identical characters, e.g. "aaa" or "111", etc.
  • Does not contain 4 or more consecutive characters as part of your password, e.g. "1234" or "abcd", etc.
Fund my account
How can I fund my account?

You can fund your account by the following methods:

  • Mobile Money - transfer funds from your MTN & Airtel mobile wallet into your newly opened account.
  • Transfer from Another Bank - visit your account details page for account number details.
  • Visit your nearest branch to deposit cash or cheques, Locate us .
  • Deposit money at your nearest Cash Deposit Machine, Locate us

You will need your Bank Account Number, it can be found on the Landing page and on your 'Account details' page, look out for the 'Account information' icon.

See additional FAQs on each method below.

How can I Fund my account using Mobile money?

Using Mobile Money (Wallet To Bank)

MTN: Dial *303#

  • Select option 7 (banking services)
  • Select option 5 (Stanchart)
  • Select 1 (money transfer)
  • Enter account number
  • Enter amount
  • Enter mobile money PIN

Airtel: *778#

  • Select 6 (my bank account),
  • Select option 1 to move from wallet to bank account
  • Select 1 (to my own bank account)
  • Select option 3 (Standard Chartered Bank)
  • Enter account number
  • Enter amount
  • Enter mobile money Pin

Please ensure you have your newly opened Account Number handy.

You will receive an SMS notification for a successful transfer.

How can I Fund my account Another bank?

TRANSFER FROM ANOTHER BANK

You will need to visit your other bank and complete these details:

LOCAL TRANSFER

  • Account number
  • Account Name

INTERNATIONAL TRANSFER

  • Account number
  • Account Name
  • SWIFT code SCBLZMLX

Where can I find my SC Bank account number?

Your SC Bank account number can be found on sign-in 'Landing page' or select an account to visit any 'Account details' page and look out for the 'Account information' icon.

For further assistance get in touch with our Client Care Centre, we're here to help.

How can I fund my account over the counter In-Branch?

OVER THE COUNTER DEPOSIT IN-BRANCH

Deposit cash or cheque at any of our branches. or deposit cash at our cash deposit machines, Locate us

How can I fund my account using a Cash Deposit Machine?

Fund account from a Cash Deposit Machine

Option 1 - Cardless cash deposit

Select 'Cardless deposit' (You will need to enter a Bank Account number)

Follow the onscreen instructions.

A receipt confirming the transaction will be issued.


Option 2 - Debit card deposit

Insert your Debit card and enter PIN, Select 'Cash deposit'

Follow the onscreen instructions.

A receipt confirming the transaction will be issued.


Locate our Cash Deposit Machines

https://www.sc.com/zm/atms-and-branches.html


Please ensure you have your newly opened Account Number handy.

Fund your account through electronic funds transfer

Transfer fund into your account from any bank through online or mobile banking

Mobile Banking
Where can I find my Bank account details?

Once you Login to SC Mobile App, all of your accounts will be displayed including each account number. For further account details you may select an account and look out for the 'Account information' icon for more account information.

How can I manage Payees?

To Add a Payee

Once you Login to SC Mobile App, you can add a Local or an International Payees by selecting the 'Main menu > Transfers > Add a new payee'. You can follow the steps required from there to Add a Local Payee or an International Payee and an OTP will be required to confirm the security of the account. If you require a SWIFT code or an IBAN number please obtain from your payees.

To Remove a Payee

Once you Login to SC Mobile App select the 'Main menu > Transfers > Manage Payees'. You can follow the steps required from there to Delete Local or International Payees.

How can I Transfer money?

Once you Login to SC Mobile App, you can select the 'Main menu' > 'Transfers'. You may select from the following options:

  • Between Own Accounts
  • Local Transfers
  • International Transfers
  • Schedule Transfers

Simply select the Payees who you wish to pay. and the enter the various Account 'From' and 'To' selections. If you are Scheduling a Transfer you may complete a future date for 'When' to complete your payments and may edit and delete this from Online Banking. For an International Transfer you require a SWIFT code for SCB please refer to the below FAQ.

Also please be mindful that some transactions to Local and International Payees may require additional info about the payment and clients will have to accept any foreign currency and other related payment fees and charges."

How far back can I see my transaction history?

Your transaction history for all accounts held with the bank can be viewed on SC Mobile App dating back for up to 90 days. We also send out FREE eStatements to your email so that you have all of your transactional history.

How can I manage my Card services?

Open SC Mobile App and Login, once signed-in select 'Main menu' and select 'Service Requests > Card Management' to select any of the following card requests:

  • Block & Replace Debit Card
  • Replace My Debit Card
  • Change Debit Card PIN
  • Activate Debit Card & Set PIN
  • Replace Credit Card
  • Credit Card Activation and PIN set
  • Report Lost/Stolen Credit Card

Credit Card PIN change

For further assistance get in touch with our Client Care Centre, we're here to help.

What should I do if I suspect there are unauthorised transactions on my account?

If you suspect there are unauthorised transactions on your account, please report this to our Client Care Centre. Provide details such as:

  • Your Full name
  • Account number
  • Transaction type
  • Date & time of transaction
  • Description of error and amount involved.

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

For further assistance get in touch with our Client Care Centre, we're here to help.

How can I update my Personal details?

Open SC Mobile App and Login, once signed-in visit 'Main menu > Service Requests > Personal Details' to view your profile, you will need an OTP to complete any profile update request.

Client Care Centre
Client Care Centre

Client support

Should you require further assistance, customer.first@sc.com or call our 24-Hour Client Care Centre on 5247 (available on all local networks)

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 do I get my card when captured?
Visit any nearest branch or please call 5247 our 24-hour Contact Centre on all mobile networks. Branches are open Monday - Friday 09:00hrs to 16:00hrs and Saturday 08:30hrs to 12:30hrs. Manda Hill Branch is also open on Sunday from 11:00hrs to 18:00hrs.
What should I do if my card is lost / stolen?
Immediately inform the bank by dialling 5247 our 24-hour Contact Centre on all mobile networks.
Can I send someone to withdraw cash on my behalf?
Cash withdrawals on the ATM should only be made by yourself as your PIN should be kept confidential to avoid unauthorised transactions on your account.
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?
Standard network charges by your telephone service provider will apply.
Can I access the service from overseas?
You can call us on our Priority Banking hotlines on +260 978 751500 / +260 966 751500 from other foreign networks. Note that Standard network charges as per service provider will apply.
What should I do if I suspect there are unauthorised transactions on my account?
Immediately call us on 5247 our 24/7 client care centre line or our Priority Banking hotlines on +260 978 751500 / +260 966 751500 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.
 

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(All local mobile networks)

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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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