Mẹo When is the recommended time for deposits?
Mẹo về When is the recommended time for deposits? Chi Tiết
Hoàng T Thu Thủy đang tìm kiếm từ khóa When is the recommended time for deposits? được Update vào lúc : 2022-11-14 22:16:03 . Với phương châm chia sẻ Bí quyết về trong nội dung bài viết một cách Chi Tiết 2022. Nếu sau khi Read Post vẫn ko hiểu thì hoàn toàn có thể lại Comment ở cuối bài để Admin lý giải và hướng dẫn lại nha.Term deposits let you invest for a set amount of time and get a fixed interest rate. They can be useful when saving for bigger items like a car, or investing when you want to be certain about the interest you'll earn.
Nội dung chính Show- Why use a term depositHigher interest rateGovernment deposit guaranteeNo set-up feesLinked accountChoosing a term depositWhat to do when your term deposit maturesWhen collecting a payment from the patient what is considered the best time?What's the best use for a charge slip?Which type of check has a stub attached that is used to indicate date in invoice numbers?Which of the following is a recommended method used to figure the accounts receivable ratio?
If you want to save but might need quick access to your money, a savings account could be better.
Why use a term deposit
Term deposits are a low-risk way to invest your money and earn a fixed rate of interest.
They lock away your money for the time that you choose (the term), usually between one month and five years. If you need your money before the term ends, you have to pay a penalty fee. You need a minimum amount to open a term deposit, for example, $5,000.
Higher interest rate
The higher the interest rate, the faster your money will grow.
Term deposits offer a higher interest rate than most transaction and saving accounts. Generally, the more money you put in, or the longer you invest, the higher the interest rate.
Government deposit guarantee
Terms deposits are a low-risk investment. They are protected by the Australian Government's financial claims scheme. This guarantees to pay you up to $250,000 for deposits in the unlikely sự kiện your bank, credit union or building society fails. This guarantee applies per person and per institution.
No set-up fees
Most term deposits have no set-up or account fees. But if you need your money before the term ends, you generally have to give 31 days notice and pay a penalty fee. Check the terms and conditions to see how much the penalty fee will be.
Linked account
When you apply for a term deposit, some providers will ask you to open a linked transaction account. This is where they will pay your interest. You should check if the linked account has any fees.
You can ask if they can pay the interest into an account you already have.
Be wary of investments that are advertised to be ‘like’ a ‘term deposit’. Products spruiking even a two or three percentage point higher return than a term deposit represent significantly higher risks.
Choosing a term deposit
Always shop around for the highest interest rate and best features before you pick a term deposit. It's important to check:
Interest rate
- what the interest rate iswhen interest is paid — monthly, annually or maturity
Time frame
- how long you can invest forhow interest rates change with different investment time frames
Amount invested
- how much you need to open a term deposithow the interest rate changes the more you invest
Fees
- if there are any set-up or account feeshow big the penalty fee is if you need your money early
Comparison websites can be useful, but they are businesses and may make money through promoted links. They may not cover all your options. See what to keep in mind when using comparison websites.
What to do when your term deposit matures
Term deposits are not a 'set and forget' investment. When your term deposit matures, your provider will contact you. They'll tell you how much interest you've earned and what your options are.
If you do nothing, your term deposit may roll over into a new term deposit. There may be a fee to get your money out of the new term deposit. It could also have a lower interest rate than before.
Review your term deposit two weeks before it matures. Compare it with other products to make sure you're getting the best giảm giá.
- What is Standard Chartered Online Banking?
A simple, hassle-không lấy phí and secured Internet banking services that allows Standard Chartered customers to perform banking transactions through the Internet anywhere and anytime of the day.
What are the benefits for using this service?We have recently enhanced our Internet banking to serve you better. You can now enjoy the new features and benefits:
- Easy funds
transfer locally and internationallyEnhanced eStatements with email alertsInstant opening of SGD or FCY current and time deposit account onlineUpdate your personal particulars in just a few clicksEnhanced experience with:intuitive navigation shortcutspersonalized account optionssimpler and faster transaction flowcustomizable username and passwordConsolidated online payment and transfer historyInstant
Internet PIN application/ activationGreater security with 2FA via SMS and Tokens
Yes. This service is available 24 hours a day, 7 days a week. However, we do conduct periodical maintenance on our servers to ensure that they are optimum operational efficiency.
Can I access the service from overseas?Yes. As long as you have access to the Internet with the recommended Internet browser, you will be able to access the service.
- Who can apply for this service?
Individuals: To use this service, you must have least a transactional, investment, card or loan account with Standard Chartered Bank (Singapore) Limited.
Companies: you must have least a transactional, investment, card or loan account with Standard Chartered Bank (Singapore) Limited.
Please call 1800 747 7000 for more information and instant application.
How do I apply for this service?For instant PIN application and activation, please call our Customer Service Officer 1800 747 7000.
What do I need in order to use this service?In order to login and perform the secured transactions, you need to have an active mobile phone through which you can receive your Temporary Password and Additional Logon PIN (ALP) SMS messages.
Can I use this service immediately after application?Yes. Upon receiving your Internet Banking Temporary ID and Temporary Password, you can start using the service right away.
Do I have to pay using this service? / Is there extra charge for this service?There is no extra charge for using this service.
How can I update my mobile phone number?You can visit any of our branches or simply call Customer Service Officer 1800 747 7000 for instant update.
- What should I do when accessing the Internet Banking service for the first time?Ensure that you have a PC with the required configuration.Ensure that you have received the Internet Banking Temporary ID either our Phone Banking agent or Branch, depending on how you registered.Make sure that you have received your Temporary Password via SMS or PIN Mailer based on your preference.Visit Standard
Chartered Bank (Singapore) Limited website https://www.sc.com/sg. Select "Login, Online Banking Login".Once you see the Login Page, click on “Register with your SC ATM / Debit Card… Phone Banking ID or Temporary ID” link. Proceed to accept Terms and Conditions.On the next page, enter your Temporary ID and Temporary Password.Upon successful authentication, you will need to create a new username and password.
You will no longer require your Temporary ID and Temporary Password after successful creation of your username and password. The Temporary ID and Temporary Password are only required during first-time login or re-registration.
What is an Internet Banking Temporary ID?
Temporary ID is a 10-digit number issued to each registered customer. This number is used for the purpose of identifying our customers when activating their Internet Banking service online. For the enhanced Internet banking, we no longer use the NRIC/ Passport of the customer as the default User ID.
What is a Temporary Password?Temporary Password is a random 6-digit number generated during registration. This is the PIN whereby you use to logon to our Internet Banking together with your Temporary ID. This PIN is unique to each customer for the purpose of first time activation or login.
How will I receive the Temporary Password?There are 2 methods through which the Temporary Password is provided to the customer:
- SMS directly to customer's registered mobile phone - Instant upon registrationPIN Mailer directly mailed to customer - 3 to 5 day
The SMS Temporary Password normally expires within 5 days. Your SMS messages will indicate the expiry date. You will need to activate your Internet Banking service within this period. If your Temporary Password has expired before you are able to activate our service, please contact our Service Consultants for a replacement Temporary Password. To avoid confusion, we encourage you to delete the SMS from your mobile phone when the Temporary Password has been successfully keyed-in to Internet Banking and accepted.
Can I use my ATM PIN to log in or use my Phone Banking PIN?No, your Internet Banking Temporary ID, Temporary Password and ALP are unique to the Internet Banking service.
- What happens when my ID is invalid?
You need to re-apply for a new set of ID and PIN. Kindly contact our Service Consultants 1800 747 7000 for your replacement.
Can I change my PIN?Yes, you may change your PIN, using the 'Change Password' service, anytime to ensure security.
What should I do if I suspect that my PIN has been stolen or exposed to others?If you suspect that your PIN has been stolen or exposed to others, please call our Customer Service Hotline 1800 747 7000 to terminate the PIN immediately. The Bank will issue you a new set of ID and PIN.
Will my access be locked after multiple unsuccessful attempts? How can I get it unlocked?To protect your accounts, your access will be locked after 3 unsuccessful attempts. You can have it unlock by calling our Customer Service Officer 1800 747 7000 or by visiting any of our branches.
- Can I see a summary of my accounts?
Yes. You can see a summary of your accounts the Overview Homepage once you have login to our Internet Banking.
Can I view the transactions belonging to my accounts?Yes, just click on "Transaction History" and select the individual account for transaction details.
Which of my personal accounts can I view online?- Singapore Dollar Deposit AccountForeign Currency Deposit AccountInvestment AccountLoan AccountOverdraft AccountCredit Card Account
You can view transactional history up to 60 days for deposit and overdraft account, 1 year for loan account and last 3 statements for credit card account.
Can I tải về and save my account information and latest transactions?Yes. You can select your latest transaction or historical transactions that you wish to keep and click on the 'Download CSV file' button to save the information on the excel spreadsheet for your tracking.
Can I view my company/business accounts online?Yes. You can view your corporate deposit and loan accounts only. Trade accounts are currently not available online.
What is the minimum deposit requirement for opening a Cheque & Save account?The minimum deposit for opening a Singapore dollar Cheque & Save account is SGD 5000. Whereas the minimum deposit for opening a foreign currency account is USD 5000 or equivalent. It is applicable only to personal accounts.
What is the minimum deposit requirement for opening a Time Deposit account?The minimum deposit for opening a Singapore dollar Time deposit account is SGD 5000 (for individuals only). Whereas the minimum deposit for opening a foreign currency Time deposit account is USD 5000 or equivalent (for individuals only).
What are the various services available?ServicesAvailabilityAccount information
Account Balance Enquiry*
Credit cards Enquiry
Loan Enquiry*
24 hours a day, 7 days a week Funds Transfer & Payments
Fund Transfer between Own Standard Chartered Accounts*
Fund Transfer to Third Party Standard Chartered Accounts*
Interbank Fund Transfer
Bill Payment
International Fund Transfer*
eCashier's Order
Card Payment
Loan Payment - only available in May 08 24 hours a day, 7 days a week eStatements*
View eStatements
eStatements Subscriptions
eStatements Settings 24 hours a day, 7 days a week Preferences*
Language settings
Limit Management
Account personalization 24 hours a day, 7 days a week Account Opening
Time Deposit Account
Cheque & Save Account Services are only available from 9:00am to 6:00pm, Monday to Friday, and 9:00am to 1:00pm for Saturday.
Application
Accounts
- E$averPriority BankingNew Cheque Book Request*
Credit Card
- Credit Card ApplicationSupplementary Credit Card ApplicationCard Permanent Limit IncreaseCard Bill Dispute
Loans
- Housing LoanHDB EasyLoan Indicative Valuation ServiceHousing Loan Service RequestPersonal Loan
Insurance
- General & Life
InsuranceTravel Protector
Transfer*
- Interbank GIRO RequestRemittance Request
SME (For SME customers only)
- Other servicesFax and courier servicesCredit applicationChange Company address
Personal*
- Change of Personal Particulars
- E$aver Deposit RateTime Deposit Rate*Savings Deposit Rate*Cheque & Save Deposit RatesOneAccount Deposit RateXtraSaver Deposit RateForeign Exchange RateLending Rate
- What kind of funds transfer can I do in this service?
You can transfer funds between your own Standard Chartered accounts, to 3rd party Standard Chartered accounts and to any GIRO participating bank accounts.
Do I need to pre-register 3rd party payee before I can use the funds transfer facility?Yes, you will need to pre-register the 3rd party accounts or the GIRO participating bank accounts online before you can make a 3rd party or Interbank funds transfer.
How do I pre-register my 3rd party Standard Chartered accounts and other bank's accounts online?To register any 3rd party accounts for funds transfer, you will need to indicate your customer reference, which include Payee Bank Code/Name, Payee Branch Code, Payee Account Number and Payee Name. Simply add the 3rd fund transfer payee in ‘Manage Payees' under 'Transfers'.
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.
Can I remove the payee accounts, which I no longer need or registered incorrectly online?Yes. Simply select the 3rd party payee from the existing payee list and click 'Remove'.
How many payees can I add in Internet banking?There is no limit to the number of payees you can add.
When will the funds be available in the receiving account after I make Fund Transfer to accounts within Standard Chartered?Funds transfer to other Standard Chartered SGD accounts will take effect immediately after the transaction.
When will the funds be available in the receiving account after I make Interbank fund transfer?Funds will usually be available to payee in 2 to 3 business days later, subjected to the receiving bank. However, the amount will be debited from your Standard Chartered account on the same day for immediate transfer. It is advisable you make allowance and pay 1 business day before the due date to cater for any unforeseen delays.
How do I know if my Interbank Fund transfer is successful?The successful transfer will be reflected in your month-end statement. However, should the fund transfer transaction is unsuccessful, you will receive a credit advice from the bank to notify you of the Interbank GIRO returned item.
When will I get back the funds when my Interbank Fund transfer is not successful?If the Interbank Fund transfer is rejected, the transferred amount should be credited back to your account by the payee bank on the third business day.
Is there a maximum limit on the amount of funds I can transfer?For transfer of funds between your own accounts, you can transfer up to the available balance in the account.
For transfer of funds to 3rd party Standard Chartered accounts, you can transfer up to your current personalized daily limit. For all new customers using the Internet Banking starting 5th Feb 18, will get to enjoy the new revised default limit of SGD 200,000 for personal customers. If you wish to increase the daily transfer limit, simply log in to Online Banking, go to ‘My Preferences’ (top-right menu) and update the limit under ‘Security & Limits Maintenance’. The maximum daily limit allowed is SGD 200,000.
Can I lower the maximum daily limits for 3rd party Funds Transfer and subsequently increase it online?You can lower or increase the daily transfer limits anytime. Simply log in to Online Banking, go to ‘My Preferences’ (top-right menu) and update the limit under ‘Security & Limits Maintenance’. The maximum daily limit allowed is SGD 200,000.
What are the transfer modes available in this service?- Immediate Fund TransferPost dated (one-time transactions a specified future date) andScheduled transfer (recurring transactions a specified day of the month)
You can delete any of your Post-dated or Scheduled Fund Transfer instructions before the effective date. Your scheduled instructions will be processed in early morning of the effective date.
Can I do a foreign currency transfer via Internet Banking?Yes, you can do a cross currency transfer using our fund transfer facility or using the 'International Fund Transfer' for telegraphic transfers.
If a fund transfer was made on a public holiday, when will the funds be available in the receiving account?Transactions done on public holiday/ non-business day will be processed on the next working/business day.
I am expecting an inward payment to my Standard Chartered Bank account from another bank via online fund transfer. What Bank name should the sender choose?The sender should select “Standard Chartered Bank Singapore” when adding you as a payee via online/mobile banking.
- What is Bill Payment?
Bill payment is a không lấy phí service that allows you to make payment to any of our participating billing organizations.
What are the advantages of paying bills online?Paying bills online saves you the hassle of writing cheques and queuing the branch. What's more, you can avoid late payment charges as you can do an immediate payment and set a future date or scheduled recurring instructions for your bill payment.
Who can use this bill payment service?As long as you have a SGD savings, current or Cheque & Save account (for debiting of payment) and the bill reference number, you can use this service to pay your bills.
Who can I pay to?You can pay bills to any of our 203 participating billing organizations. To find out more, logon to our Internet Banking now. Look out for more participating billing organizations as we are constantly enhancing our bill payment service.
How do I know my bill reference number?Your bill reference is provided by the billing organization, and is usually the account/card number printed on your payment/invoice slip. If you are unsure, please kindly check with your respective billing organization.
How do I add new billing organizations that I wish to pay?You will need to do a one time initial set up to add the billing organization that you wish to make payment to. Simply go to 'Pay' and click on 'Add Biller'. All you need to do is to select the billing organization that you wish to set up, enter the billing reference and click on 'Confirm new payee details'.
How do I know that my bill payment transaction is successful?The successful bill payment transaction will be reflected in your next billing statement with the respective billing organizations. You can also enquire your post-dated bill payment instructions for the upcoming 90 days and status of the previous transactions of up to 90 days the 'Payments/Transfers History'.
How long will it take for the billing organization to receive the bill payment?Please allow least 2 to 3 days from the day of your payment date for the payee to receive your payment. Customer should be advised to pay 3 working days in advance to allow sufficient time for processing.
Can I set a future date or scheduled instruction for my bill payment?Yes, you can do an immediate payment, set a future date or schedule a recurring instruction for your bill payment. However, if you are setting a future date or scheduling a recurring instruction, please ensure that you have sufficient funds in your account, as your account will be debited on the day of payment.
What happen if there is insufficient fund in my account?You need to ensure that sufficient funds are available by the effective due date as your account will be debited on the effective due date. Should there be insufficient funds in your account, your payment instruction will be rejected.
Can I delete my Scheduled Payment instruction?Yes, you can delete your Scheduled Payment instructions one business day before the effective due date.
- What is International Funds Transfer?
International Funds Transfer is a service offered by the bank to allow users to do telegraphic transfer across borders.
How does the International Funds Transfer works?You will have to first add an international fund transfer beneficiary by filling in the required details of the payee. Funds can then be transferred to the beneficiary.
What are the advantages of doing International Funds Transfer online?Online International Funds Transfer has the following advantages:
- You can perform the fund transfer any time of the day and any where across bordersSave the hassle of queuing the
branchEnjoy lower fees and charges when you perform international funds transfers online
The fees and charges are as follow:
Non-Online
- Handling commission - 1/8% min SGD30/USD20; max SGD100/USD70Commission in lieu - 1/8% min USD10; max USD100Cover cable - SGD20/USD15Overseas bank charges - SGD50 equivalent
Online
- Handling commission - 1/16% min SGD15/USD10; max SGD50/USD35Commission in lieu - 1/16% min USD5; max USD100Cover cable - SGD20/USD15Overseas bank charges - SGD50 equivalent
The foreign exchange rate displayed online is only indicative and it does not represent the actual rate that takes effect on your International Funds Transfer. The exchange rate is subjected to the Bank's prevailing exchange rate as of the date and time of processing.
*Note - Due to fluctuating market conditions, the foreign exchange rate that appears on the application may differ from the actual rate applied to process the transaction.
Is there a limit to how much I can transfer daily?Yes, all online telegraphic transfers are subjected to a daily limit of SGD 200,000.00 or equivalent.
When will my transaction be processed?The cut-off times for processing International Funds Transfers are as given below:
CURRENCY OF REMITTANCE CUT-OFF TIME (MONDAY TO FRIDAY) AUD 10:00am CNY 3:00pm HKD 3:00pm JPY 10:00am NZD 10:00am THB 11:00am SGD 5:00pm Other currencies 6:00pm
Transactions submitted after the cut-off time or on public holidays, Saturdays and Sundays will be processed on the next business day.
Can I track my transaction status?You can check your debiting account to verify that the transaction has been completed. Alternatively, you can check under your transfer history to see whether the transaction has been successfully processed. The bank will also send you a debit advice once the transaction is effected successfully.
When will the amount be debited from my account?The amount will be debited from your account only upon completion of the processing by the Bank.
When will the beneficiary receive the funds?The funds will reach the beneficiary approximately 2 to 3 days later depending on when the beneficiary's bank releases the funds.
Can I cancel an International Fund Transfer request?Once the request application has been submitted successfully, you will not be able to cancel the transfer.
Who should I contact if I need assistance?Please contact our customer service consultant 1800 747 7000 for assistance.
- What is eCashier's Order?
eCashier's Order is an online facility that allows you to order a cheque with just your Payee's name and postal address and we will print and mail the Cashier's Order on your behalf.
How does eCashier's Order work?Simply enter the name and address of the person you wish to pay via Standard Chartered Internet Banking. Upon receipt of the Cashier's Order, your Payee can then deposit the Cashier's Order in any Singapore bank of their choice, the same way as depositing a normal paper cheque. The Bank will then print the cheque and mail it on your behalf.
What are the advantages of eCashier's Order? Why should I choose this facility?Using the eCashier's Order facility has the following advantages:
- A Chequebook is not required to send paper cheques.You can issue Cheques anywhere and anytime via the Internet.Ordering Cheques online is more cost-effective than ordering them a branch.
Currently, there is no charge for this service.
Who can I pay using this facility?You can pay anybody with a postal address and a bank account within Singapore.
Can I pay my bills using eCashier's Order?Yes, these Cheques can be addressed to any individual or organization.
Which of my accounts can I use for issuing an eCashier's Order?You can use any of your current, saving or e$aver accounts to send an eCashier's Order.
Is there a maximum limit of the payment amount?The maximum limit per eCashier’s order transaction is SGD20,000. Multiple transactions can be done depending on the funds available in the debiting account.
When will the amount be debited from my account?The amount will be immediately debited from your account upon completion of the processing by the Bank.
How will the Cheque be delivered to the payee?Standard Chartered Bank (Singapore) Limited will print the Cashier's Order and send it with the remittance slip via Singapore Post.
How can I track the status of my eCashier's Order?If the application is submitted successfully, the status of the transaction will indicate "Submitted". Once it is been processed, the status will be reflected as "Successful" or "Rejected" under the Payment & Transfer History.
How long will it take for the Cheque to be delivered to the payee?It will take 5 working days from submission to reach payee by post.
How secure is this facility?Standard Chartered has ensured that this facility is very secure. It is only possible to send a eCashier's Order to Payees registered using our 2-factor authentication system, i.e. ALP (Additional Login PIN). This provides additional security for our customers. The paper Cashier's Order can only be deposited into a bank account bearing the Payee's name.
What should I do if the payee does not receive the Cheque?You can inform the Bank to stop payment of the eCashier Order.
How can I cancel a request to eCashier's Order?The Cashier's Order can only be cancelled if the payee has not deposited the cheque. By submitting a cancellation request, you have agreed to indemnify the Bank for any claims made by the Payee against the Bank. The prevailing charges still apply (currently waived) and it may take up to two working days for a refund.
Who should I contact if I need assistance?Please contact our customer service consultant 1800 747 7000 for assistance.
- What are the card services available online?
- Cards Balance enquiryCards DetailsCards Transaction HistoryCards PaymentCards Applications
You can view your current Standard Chartered Credit Card latest statements and previous 2 months card statements online. All you need to do is to click on 'Transactional History' under 'Cards' and key in the period of the transactions you want to view.
How do I pay my credit card(s) online?You can make payment to your Standard Chartered Credit Card bills via immediate future transfer, scheduled payment mode or through FAST from other FAST participating banks’ internet banking platform.
To pay for your personal credit cards, simply click on 'Card Payment' under 'Payments/ Transfers' and select the card you wish to pay. You have the options to pay Outstanding, Minimum or Full amounts. You can change the payment to any amount after you have selected any of the 3 options.
Can I pay a 3rd party Standard Chartered Credit Card?Yes, you can pay a 3rd party Standard Chartered credit card. To pay for a 3rd party credit card, simply go to '3rd party Funds Transfer/ Bill Payments' under 'Payments/ Transfers' and add a new bill payment payee. Click on 'Standard Chartered cards' from the list of merchants and fill in your payee's credit card information. Once you successfully submitted your payee's information, you can pay bills via immediate, future transfer or scheduled payment mode.
How do I pay other bank's credit cards?You can pay other bank's credit card bills using our Pay Other Bank's Credit Card feature or our eCashier's Order facility.
When will my credit card account be updated?Your credit card account will be updated the next working day of the payment date.
Can I increase my credit card limit online?You can tải về the application form online, however, you will need to mail the form back to the Bank.
Can I make payments to my Standard Chartered credit card, Balance Transfer or CashOne loan via FAST?You can use FAST to make payments to your Standard Chartered credit card, Balance Transfer or CashOne loan from other participating banks’ internet banking platform* and your available limit will get updated almost immediately except for the time periods listed out in the table below.
During our scheduled server maintenance, your payment to Standard Chartered credit card, Balance Transfer or CashOne loan via FAST may not be processed. Please see below for details:
Every Monday - Saturday
excluding 3rd Monday of the month) 3am – 5am If payment is made during this period, your available limit may only be updated 15 - 20 minutes later instead of near instantly Every Sunday 3am – 5am We may not be able to process any incoming credit card, Balance Transfer or CashOne loan payments made via FAST during this period. Every 3rd Monday of the month
* Subject to the participating banks’ capability to support FAST payments to credit cards and personal loan account.
I have made a FAST payment to my Standard Chartered credit card / Balance Transfer / CashOne loan. Why is my outstanding balance and transaction history not updated immediately?We need least 1 working day to reflect the updated outstanding balance and transaction history on Online Banking.
- What are the loan services available online?
- Loans Balance enquiryLoans Details enquiryLoans Payment - Available in May 08Loans Applications
You can view your last one-year statement online.
How do I pay my Loans online?This service will be made available only in May 08.
Personal information maintenance
- Can I change my personal details through Internet Banking?
Existing Bank customers can perform personal information maintenance to update their personal particulars and set up personalized options for accounts.
Personalization
- How can I personalize my Internet Banking accounts?
The personalization feature allows customer to personalize the following:
- Nicknames for accounts/cards/loans
Rearrange display of accounts to your preferencesLower daily transfer limit for 3rd party fund transfer and bill payments.Adjust the language setting accordingly to your preferenceSort your account sequence
- What is the Mail Box use for in Internet Banking?
The Mail Box is a feature in our Internet Banking that allows you to retrieve any messages that the Bank sent to you. The mailbox is also used to notify you of any processing errors for your transactions or instructions. It is recommended that you check your mailbox regularly.
Can I use the Mail Box to send email to my friend?No, the Mailbox is only for communication between you and Standard Chartered Bank (Singapore) Limited. For security reasons, we do not accept any instructions relating to financial transactions through the mailbox.
Can I delete messages from the mailbox?Yes, you can delete messages from the mailbox.
- What types of rates can I view through Internet Banking?
- ESaver Deposit rateTime Deposit rateSaving Deposit rateCheque and Save Deposit rateOneAccount Deposit rateXtrasaver Deposit rateForeign Exchange Deposit rateLending rate
- What services can I apply through Internet Banking?
You can apply for loans, insurance, new accounts, priority banking, new cheque book, interbank GIRO and remittance request, and credit card applications.
Retail CustomerSME CustomerHousing Loan New Cheque Book Request HDB EasyLoan Indicative Valuation Service Interbank GIRO Request Housing Loan Service Request Change of Personal Particular Personal Loan Fax and Courier Services Insurance Credit Application Travel Protector Change Company Address eSaver Account Opening Request Priority Banking Information Request New Cheque Book Request Interbank GIRO Request Credit Card Application Supplementary Credit Card Application Card Permanent Limit Increase Card bill Dispute Change of Personal Particular
- What hardware and software do I need for using this service?
Minimum Hardware RequirementMinimum Software RequirementPC with Pentium 166 MHz processor or higher Microsoft Windows 95/98/NT/2000/XP operating system 32 MB RAM or higher Google Chrome version 44 and above minimum, 800 x 600 screen resolution SVGA or higher resolution monitor, 256 colours Mozilla Firefox version 38 and above Modem of 56kbps or higher Safari Version 8 and above Microsoft Internet Explorer Version 10 and above How do I know the version of the browser I'm using?
If you are using any of the following browser:
Google Chrome Internet Explorer Click on [Settings]
Click on [About] Click on [Help]
Click on [About Internet Explorer] Safari Mozilla Firefox Click on [Safari]
Click on [About Safari] Click on [Help]
Click on [About Mozilla Firefox] What should I do if I use a browser whose version is older than the recommended one?
You need to install the required browser before you access our Online Banking service. You may find more information on this the following public websites:
- Internet Explorer version 10 and above ://www.microsoft.com/ieGoogle Chrome version 44 and above
https://www.google.com/chromeMozilla Firefox version 38 and above ://www.mozilla.com/en-US/Safari version 8 and above ://www.apple.com/safari/
Our website is optimized for view with screen resolution of 1024 x 768.
I'm a Macintosh user; will I be able to access this service?You can now enjoy a new experience with the same convenience by logging-on to Standard Chartered Online via Safari browser on a Macintosh.
- How secure is this 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. For transaction level security, this service employs "Two-Factor Authentication" to verify customer identity. 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 'encryption 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 any of the followings:
Netscape Communicator 4.7x Internet Explorer 5.x Click on [Communicator]
Select [Tools] follow by [Security Info]
Click on [Navigator]
Check [Enable SSL (Secure Socket Layer) v3] Click on [OK] 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 website puts on your hard disk that it can remember something about you 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 banking service?Besides maintaining the confidentiality of your Temporary ID and Temporary Password, you should take the following precautions:
- DO NOT reveal your ID and PIN to anyone, write down or use it where someone else can see.Change your PIN immediately, using the 'Change Password' service, if you suspect it has been revealed.DO NOT use easily recognized numbers such as your NRIC, telephone number etc. as your PIN.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.
- Do not choose a Password that is easily identifiable such as your user ID, personal telephone number, birthday or other personal information etc.Avoid using sequential numbers (such as 123456) or same number more than twice (such 123226) for your Password.PIN must be kept confidential all times and not be divulged to anyone. Do not reveal your PIN to anyone.PIN must be memorized and not be recorded anywhere. Do
not write down your PIN or use it where someone can see.Change your PIN immediately if you suspect it has been revealed.Change your PIN regularly. You can change your PIN anytime under 'Change Password'.
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 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 Customer Service Hotline immediately 1800 747 7000. Please provide details such as your name, account number transaction type, date & time of transaction, description of error and amount involved.
You may want to take note of your last log in date and time, as indicated the Personal/ Company Homepage, each time you log in to the service.
- What can I do if my Internet Explorer frequently hangs?
You can try the following ways to remove unnecessarily add-ons:
Internet Explorer 5.x Click on [Tools]
Select [Manage Add-ons]
Disable unnecessarily add-ons but leave Sun Java Console enable What should I do if I am not able to perform any financial transaction?
Ensure that you are using one of the recommended browsers. If you have encountered problems logging, please call our Customer Service Hotline 1800 747 7000.
This problem has performed an illegal operation...This is commonly known as GDP (General Protection Fault). This is an error that happened 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?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.
Who can I call if I have any problem or enquiry in using this service?Please call our Customer Service Hotline 1800 747 7000. Kindly note down the error code or message if any and refer it to the Customer Service Officer for investigation.
How to clear cache?Please refer to [HELP] contents if you are using browser of the other versions.
Netscape Communicator 4.7x Internet Explorer 5.x Click on [Edit]
Select [Preferences]
Select [Advanced]
Select [Cache]
Click on [Clear Memory Cache] and [Clear Disk Cache]
Click on [OK] & restart browser Click on [Tools]
Select [Internet Options]
Select [General] Tab
Click on [Delete Cookies] button and click on [OK]
Click on [Delete Files] under [Temporary Internet Files] section
Check [Delete all offline content]
Click on [OK] & restart browser
- I notice there are See and Move tabs in Standard Chartered Mobile . Tell me more!
See and Move are just two of Standard Chartered Mobile 's cool features designed to simplify your banking experience. See is where you can view your bank accounts and their transaction history, while Move is where you can make fund transfers and payments. No jargon, just simplicity and efficiency.
What are the differences of transactions in See and Move?- See (My Transactions and List) lists out the transactions that have already been posted to your accounts and forward-day transactions that you set via Online Banking and Standard Chartered Mobile .Move (See My Transfer History) lists out the transfers and payments you have scheduled/made via Online Banking and Standard Chartered Mobile and their status.
Deposit accounts, MOA accounts, Standard Chartered credit cards, loan accounts and mortgage accounts - 90 days. MANHATTAN cards - upto last 2 months' statements and billed transactions.
From 1st login day to 30th login day, deposit account and MOA account transaction history for past 30 days will be available. Transaction history will be accumulated on daily basis from 31st login day onwards. A maximum of 90 days transaction history will be available.
Note:
- Credit card/Debt Securities/Unit Trusts account balances and transactions are up to the previous working day. Securities account balances are up to the previous 3 working days.HKD balances for foreign currency accounts and investment accounts are for reference only.
Transactions made with your deposit accounts after 11pm or on holidays will be shown on See from the following business day. Balance in corresponding Standard Chartered deposit account(s) will be updated immediately.
Payments to/from your credit cards will be shown on See after 1 or 2 business days.
- I notice there are See and Move tabs in Standard Chartered Mobile . Tell me more!
See and Move are just two of Standard Chartered Mobile 's cool features designed to simplify your banking experience. See is where you can view your bank accounts and their transaction history, while Move is where you can make fund transfers and payments. No jargon, just simplicity and efficiency.
What are the differences of transactions in See and Move?See (My Transactions and List) lists out the transactions that have already been posted to your accounts and forward-day transactions that you set via Online Banking and Standard Chartered Mobile .
Move (See My Transfer History) lists out the transfers and payments you have scheduled/made via Online Banking and Standard Chartered Mobile and their status.
Will the payees that I've added in Online banking show up in Standard Chartered Mobile too?Yes, they will.
How do I remove a payee?You cannot remove payees through Standard Chartered Mobile . You can sign into your account through online baking and remove the payee through there.
- What
username and password do I use?
You can use your existing online banking username and password to log in. We've made sure, for simplicity and convenience, that you don't have to remember another set of username and password to use Standard Chartered Mobile .
If you don't have an online banking account, you can register instantly on your desktop/máy tính computer SC Online Banking.
What can I do with Personalize?Standard Chartered Mobile is all about you so naturally, you can personalize your Standard Chartered Mobile experience by changing the names and icon used to represent your bank accounts.
- What is eStatements?
eStatements is an electronic version of your account statement delivered directly to your email address. You may also view it on your Online Banking.
What is eAdvices?eAdvices is an electronic version of a paper notice, which will be emailed to your latest registered email address with the bank, or otherwise accessible via Online Banking. eAdvices is a new bundled service with eStatements. Clients on eStatements will be automatically enrolled for eAdvices.
How much does the eStatements/eAdvices service cost?There is no fee for using the eStatements/eAdvices service.
Can I access eStatements/eAdvices anywhere in the world?You will be able to retrieve your eStatements and eAdvices, anytime, anywhere, as long as you have access to an email or on your Online Banking.
How often do I receive my updated eStatements?eStatements are updated on a monthly basis. If you wish to view more updated transactions records, you can view them from 'Transactional History' of that particular bank account.
Can I change my subscription of my paper statements to eStatements via Online Banking?Yes, you can change your subscription from paper statements to eStatements. Simply mouse over your name profile and select 'eStatements' located on the top navigator and select 'Subscriptions'.
Can I change my subscription of my paper notices to eAdvices via Online Banking?eAdvices is a bundled service with eStatements. You will be subscribed to eAdvices automatically if you have subscribed for eStatements for any of your accounts. Similarly, if you have opted out of eStatements for all your accounts, you will be unsubscribed from eAdvices.
Can I view my past eStatements and eAdvices online?eStatements is archived for 12 months from the last available eStatement while eAdvices is archived for 6 months from the last available eAdvice.
- What does SMS mean?
SMS stands for Short Message Service, also known as text messaging. This allows you to send and receive short messages from their mobile. The messages can contain up to 160 characters.
What is Standard Chartered SMS Banking?It is a new service designed for customers who are constantly on the move. With SMS Banking, you can enquire about your account and credit card information via short text messaging.
How does SMS Banking work?Customers need to compose and send an SMS to Standard Chartered Bank (Singapore) Limited in a pre-defined service code in the following format:
BE < space > < last 4 digits of your bank account number >
The Bank will then process your request and send the results to you via SMS.
What are the various service codes available?The service codes currently available are:
- BE - Balance EnquiryTE - Transaction EnquiryCB - Cheque book Request
CE - Credit card Minimum payment due and Due DateHL - Help (please note this does not require your last 4 digits of your bank account)
Eg. To check your account balance and the last 4 digits of your bank account are 4545, simply send an SMS with 'BE 4545' to 75722. An SMS will then be sent to you displaying your account balance.
How long does it take to receive a reply SMS from Standard Chartered?It depends on how busy the network is. It also depends on the telco network and reception. There may be delays due to a high volume of traffic on special occasions, e.g. New Year and Christmas.
Is it safe and secure?Yes, this service is secure. You will first have to register for this service and ensure your latest mobile number is updated with the Bank. Your mobile number will then be linked to your individual account(s). Please note that this moment, the service is restricted to enquiry functions on accounts with Standard Chartered and it is not applicable for funds transfer between accounts or credit cards. The service is restricted to enquiry functions on accounts with Standard Chartered and it is not possible to transfer funds out of your accounts and cards.
What happens if I lose my phone?Please call the Bank immediately 1800 747 7000 or +65 6747 7000 (for overseas customers), and we will disable access to the SMS Banking service. Please inform the Bank once you have resumed your mobile phone service and we will re-activate the service for you.
Is SMS Banking available to all Standard Chartered customers?SMS Banking service is open to all customers holding current, savings or credit cards with personal or joint-alternate account relationship with Standard Chartered Bank (Singapore) Limited.
How can I register for the service?You can register through our Online Banking website https://www.sc.com/sg
How do I register for SMS Banking via Online Banking?- Log on to our Online Banking website https://www.sc.com/sgGo to ‘My Preferences’ (top-right menu) and click on 'Alerts and SMS Banking', after which you will receive a confirmation via SMS
You must be least of 21 years of age to enjoy this service.
How much does it cost to sign up for SMS Banking?The Standard Chartered SMS Banking service is không lấy phí but your mobile service provider may charge you a fee for sending SMS and receiving incoming SMS depending on your prevailing price plan.
Please check with your mobile service provider for more information.
How can I request for assistance on the service codes available?You can obtain assistance by typing the alphabets "HL" and sending it to 75722. You will receive an SMS with all the service codes available.
Are the service codes case sensitive?No. Any combination of upper and lower case is valid.
Can I receive SMS Banking assistance from my mobile phone?Yes. Simply send the HL command to the SMS Banking service.
Are text commands case sensitive?No. Any combination of upper and lower case is valid.
How do I know if my phone or carrier supports SMS Banking?As long as your mobile phone and mobile service operator supports SMS messaging, you can enjoy SMS Banking services.
What security precautions should I take when using SMS Banking service?We recommend that you be mindful of the following guidelines:
- Delete any sent messages from your "Sent" thư mục as the
number may automatically be saved in your mobile phoneDelete all sensitive account related information from your "Inbox" thư mục.
- What are Banking Alerts?
Banking alerts are notifications about transactional activities on your bank account. These alerts will be delivered to you either via SMS or email. You can even customise your own alerts preferences via the Online Banking website https://www.sc.com/sg
What are the benefits of Banking Alerts?Banking alerts allows you can enjoy timely updates on your account activities and alerted in sự kiện of fraudulent transactions.
What is the difference between Banking Alerts and SMS Banking?You will receive SMS and/or banking alert when there have been transactions performed on your bank account.
SMS Banking is a service that allows you to enquire and receive information on your savings or current accounts and credit card information via short text messaging.
How can I subscribe to the Banking Alerts service?Log on to our Online Banking website https://www.sc.com/sg
Click on "Alerts and SMS Banking" from the left hand menu, after which, you will receive a confirmation via SMS.
Does registering for Banking Alerts service mean that I am automatically enrolled for SMS Banking service as well?Yes, you will be automatically subscribed to both Banking Alerts and SMS Banking service.
How can I subscribe and unsubscribe to the Banking Alerts service?Log on to our Online Banking website https://www.sc.com/sg
Click on "Alerts and SMS Banking" from the left hand menu, after which, you will receive a confirmation via SMS.
What are the Banking Alerts available?Banking Related Alerts:
- When cheque is returned (Inclearing or Outclearing)When account is overdrawnWhen fund transfers are made between your own accountsLocal or Overseas ATM Cash WithdrawalLocal or Overseas POS TransactionAccount Balance (default on a weekly basis)Cheque book request via ATMWhen
Salary is credited
Credit Card Related Alerts:
- When credit card payment due in 5 days' timeWhen credit card payment is past dueCard Activation/ ReplacementLocal or Overseas POS TransactionLocal or Overseas Cash WithdrawalWhen Internet/Mobile Transaction is madeWhen credit card statements are ready
The Banking Alerts service is available to all customers holding current, savings or credit cards with personal or joint-alternate account relationship with Standard Chartered Bank (Singapore) Limited.
Is there an age restriction for the Banking Alerts service?You must be least 21 years of age to enjoy this service.
Do I have to pay to use the Banking Alerts service?The Banking Alerts service is không lấy phí. However, if you are travelling and you are on a roaming network, your mobile service provider may charge you for receiving any incoming SMS messages (including our alerts) depending on your prevailing price plan.
Please check with your mobile service provider for more information.
I have terminated my mobile phone service. Will the Banking Alerts service be affected?Yes. The Banking Alerts service will be affected. We ask that you unsubscribe from the Banking Alerts & SMS Banking service accordingly.
I have changed my mobile phone number. Do I need to inform the Bank?Yes, you need to update the Bank with the latest mobile phone number as we will be sending any alerts to the mobile number as per the Bank's records.
Will I be able to receive SMS alerts on most pre-paid phone service plans?Yes, this service will work as long as your phone plan allows you to receive SMSes.
How many accounts can be linked to the Banking Alerts service?You may link all your accounts to the Banking Alerts service.
Can I use the Banking Alerts service using more than one phone/email address?No. Your mobile number and email address are linked to your individual profile. It is only possible to have a single mobile number and email address to individual profile.
What security precautions should I take when using this Banking Alerts service?As a good security practice, you may wish to delete any SMS you received from your mobile phone 'Inbox' thư mục as they may contain sensitive account related information.
New Online Trading Platform
- Why has Standard Chartered Bank launched a new Online Trading Platform?
As we continuously strive to delight our clients and make their banking experiences simpler, faster and better, the Standard Chartered Online Trading Platform has been enhanced to provide clients with a secure, stable and more intuitive trading experience.
When will Standard Chartered Bank launch the new Online Trading Platform?The SC Online Trading platform was migrated to the new platform on 17th July 2022.
Are there other channels available for trading besides trading online?Yes, you may now place equity trades through the iPhone, iPad or Android devices. You also have the option to trade via your Relationship Manager. Do note that charges differ when trading via your Relationship Manager.
How do I log in to the online trading platform via iOS and Android devices?You can tải về the SC Mobile Trading app via the Apple App Store and/or the Google Play Store. You can search for “Standard Chartered Mobile Trading” on your device and tap on the tải về button to install the app. Upon installation, you may open the app, and log in via your Online Banking Username and Password.
Is there a demonstration of the Online Trading Platform?Yes. There is an Online Tour & Mobile Tour, where you can find out more about the key features of the Online & Mobile Trading Platform and other related information.
Is there a help manual of the Online Trading Platform?Yes. Please refer to the Online Help Manual and Mobile Help Manual.
How will the prices of the existing shares that I own be reflected on the new Online Trading Platform?Upon logging into the new Online Trading Platform from 17th July 2022, the prices of your existing holdings under the Portfolio Tab will reflect the market closing prices as of 14th July 2022. You may edit these prices to reflect the average prices that you have traded the stocks for previously. To do so:
- Login to Standard Chartered Online Banking (https://ibank.standardchartered.com.sg/nfs/login.htm)Click on “Menu” and select “Online Trading” under the Invest Section on the menu located
the top of the pageUnder the “Portfolio & Trades” Tab, select “Current” on the Portfolio Widget. Click on “Details” on your desired security Input the average price that you have traded the stock for previously in the “Price” field.Select the check box and click “Save’ to save the entry
You may refer to the Online Help Manual for assistance.
- What are eDocuments?
eDocuments are electronic versions of a paper document for your securities statements or contract notes, which will be made accessible via our Standard Chartered Online Banking platform.
What type of documents will be switched from paper notices to eDocuments?From 14th August 2022, Securities Contract Notes* and Securities Monthly Statements will be accessible electronically.
*Securities Contract Notes includes
- Trade
ConfirmationTransfer In (from External Institutions) confirmationTransfer out (from External Institutions) confirmationTransfer In (from same or other Standard Chartered Securities Trading Account) confirmationTransfer out (from same or other Standard Chartered Securities Trading Account) confirmation
If you have an Online Banking account and a registered email address with the Bank, you will be automatically converted to the electronic versions in place of paper versions.
Why am I still receiving paper notices after you have notified me of this eDocuments conversion?Either you do not have access to Online Banking or you have changed your subscription choice to ‘Paper’ after we auto converted you to the electronic versions.
How will I receive my eDocuments?eDocuments will be made accessible via Online Banking. You will receive an email on your registered email address with the bank as and when new eDocuments are made available online for you to view.
How do I access my eDocuments?You may access eDocuments via Online Banking.
When your eDocument is ready, an email notification will be sent to your last updated email address with us for you to view via Online Banking.
Step 1: Visit sc.com/sg
Step 2: Login to Online Banking
Step 3: Mouse over your name profile and select “Investment eDocuments” located on
the top navigation menu
You may save or print a copy of your eDocuments via Online Banking.
Step 1: Visit sc.com/sg
Step 2: Login to Online Banking
Step 3: Mouse over your name profile and select “Investment eDocuments” located on the top navigation menu
Step 4: Select the month for a particular contract note or statement
Step 5: Click “View PDF” and open the PDF file to save or print a copy
You may set your eDocuments delivery mode preferences via Online Banking after 14th August 2022.
Step 1: Visit sc.com/sg
Step 2: Login to Online Banking
Step 3: Mouse over your name profile and select “eStatements and eAdvices” and/or “Securities eDocuments” located on the top navigation menu
Step 4: Select “Subscriptions” located the top menu bar
Step 5: Select account and click on “Change subscription” tab
Step 6: Select your delivery mode preference
Step 7: Click on the “Continue” button to confirm your subscription method
You can view your historical eDocuments for past 6 months (current month inclusive) on Online Banking.
Will I be able to view my historical advices or statements on Online Banking before the date on which I am converted to electronic service or before the date I switch my subscription to electronic service?No, you will not be able to view your historical advices or statements on Online Banking which were issued to you before the date you are converted to electronic service or switched your subscription to electronic service.
What will happen to my historical eDocuments if I change my subscription from eDocuments to Paper?You will no longer be able to view your historical or current eDocuments on Online Banking if you change your subscription to ‘Paper’.
I want to continue receiving paper notices. Can I opt out of eDocuments?If you wish to opt out of eDocuments, you can do so via Online Banking after 14th August 2022.
Unsubscribe via Online Banking
Step 1: Visit sc.com/sg
Step 2: Login to Online Banking
Step 3: Mouse over your name profile and select “eStatements and eAdvices” and/or “Securities eDocuments” located on the top navigation menu
Step 4: Select “Subscriptions” located
the top menu bar
Step 5: Select account and click on “Change subscription” tab
Step 6: Select your delivery mode preference
Step 7: Click on the “Continue” button to confirm your subscription method
Alternatively, please contact our 24-hour (Monday to Friday) Online Trading Service Line 1800 242 5333 (+65 6242 5333 from overseas) for assistance.
If I would like to request for the previous month’s contract notes/ statement again, am I able to request for them to be sent to me via email?On a case-by-case basis, we can assist to mail the contract notes/ monthly statements to your mailing address upon your request. We are currently unable to send these via e-mail. If you require further assistance, you may call our Online Trading Hotline 1800 242 5333 (local) or +65 6242 5333 (from overseas) for assistance.
How often will I receive a statement showing the Securities held by the Bank as custodian?Monthly statements will be sent to the following clients:
- Clients with security holdings under our custody and/orClients who have performed any transactions which involve movement of shares or cash during the month
- What are the different fees associated with online trading?
Please refer to the Fees Schedule for trading in equities.
How do I apply for an Online Trading Account?If you currently have Online Banking access, an application can be submitted through our Online Banking platform. Only applications for Single Mandate accounts may be submitted through the Online Banking channel.
- Once you are logged into Online Banking, click on “Menu” and select “Online Trading” under the Invest Section on the menu located the top of the page.Follow through the steps to apply for an Online Trading account.
If you do
not have Online Banking access or you wish to apply for a Joint Online Trading account, you may obtain an Online Trading Application form from our branches.
Alternatively, you may tải về the application forms and submit them any of our branches.
- Single Online Trading Account – Download the application form hereJoint Online Trading Account –
Download the application form here
With effect from 1st January 2022, clients are required to complete the Common Reporting Standard (CRS) form as part of the Online Trading account application process.
We are currently seeing an unprecedented surge in Online Trading Account applications. Kindly note that your application, including the submission of a W-8BEN form, required for US market trading access, may take up to 14 business days to process. We seek your understanding on the matter.
How do I confirm that both my application and account opening have been successful?You will be notified of the Online Trading account opening once it is successful by email. The email notification will be sent to your email address that has been registered with the Bank. Subsequently, you will be able to access the Online Trading Platform via the Online Banking link.
Will I be given a separate Online Trading User ID and password?Your Online Trading User ID and password is the same as your Online Banking User ID and password. Through your Online Banking Login, you are able to view all of your banking accounts, including all of your Online Trading Accounts.
How secure is trading via Standard Chartered Bank (Singapore) Limited?This service is encrypted and authenticated on secure protocols (TLS 1.0 and above), with strong key exchange (RSA-2048 bits) and cipher suites, which is of the strongest encryption technologies most commonly used by large-scale online merchants, banks and brokerages worldwide. All online sessions between you and the bank are protected by 128-bit encryption and above, which best protects your information against disclosure to third parties.
How can I start trading?If you are our existing Online Banking customer and already have an Online Trading account with us:
- Log on to Online Banking Click on “Menu” and select “Online Trading” under the Invest Section on the menu located the top of the page Read through the Terms and Conditions for Online Trading
Services and click "Accept" (for 1st time login user) to acknowledge the acceptance of the Terms and Conditions for Online Trading
You may only open one Online Trading account of a similar operating mandate (i.e. single or joint mandate). You are able to view your holdings online via the Online Trading link on Online Banking.
Will I receive contract notes?Yes contract notes will still be given. Please ensure that you provide your up-to-date mailing address to ensure you receive your contract notes.
Will I receive any account statement?You will receive two types of statements:
- The monthly consolidated statements which display your holdings with the Bank;The securities monthly statements which display the detailed transactions relating to your securities trading account(s).
- What is the background of
Customer Account Review?
In 2011, new regulatory requirements were introduced which require financial intermediaries to formally assess a customer's investment knowledge and experience before selling certain investment products to the customer. The purpose of these new requirements is to better safeguard customers' interests. Therefore, the Bank requires all customers (existing or new) to complete a Customer Account Review to ascertain whether they have the necessary relevant knowledge or experience to trade in listed Specified Investment Products, including exchange traded funds and listed equities traded on an exchange outside Singapore. If customers do not possess the relevant knowledge or experience, the bank will not allow them to purchase any listed Specified Investment Products. The CAR also has to be re-evaluated every 3 years to ensure that the customer’s knowledge and experience remains relevant.
Why am I prompted to do the Customer Account Review (CAR) before I can make any purchase of listed Specified Investment Products.The Bank requires all customers (existing or new) to complete a Customer Account Review to ascertain whether they have the necessary relevant knowledge or experience to trade in listed Specified Investment Products, including exchange traded funds and listed equities traded on an exchange outside Singapore.
What happens if I fail the Customer Account Review (CAR)?If you are assessed not to continue to possess the relevant investment knowledge and experience, you will see the result online upon completion of the CAR renewal, informing you that you will not be able to purchase listed SIPs* after your CAR expires. However, you may still continue to trade in Singapore-listed equities and sell existing listed SIPs holdings through our Online Trading platform.
Why do other financial institutions not require me to undergo the Customer Account Review (CAR)?We are not in the position to advise as to the practices of other institutions. However the new MAS regulations take effect from 1st January 2012 and will be applicable to all financial intermediaries in Singapore.
How often am I required to renew my Customer Account Review (CAR)?The CAR has to be re-evaluated every 3 years to ensure that your knowledge and experience for the purchase of certain types of investment products (e.g. exchange traded funds or listed equities traded on an exchange outside Singapore) remains relevant.
I received an email requesting that I complete a Customer Account Review (CAR) Form prior to the deadline set out in the letter. What are the implications if I do not complete or meet the criteria of CAR before such deadline?The CAR for our customers has to be re-evaluated every 3 years to ensure that their knowledge and experience remained relevant for the purchase of Specified Investment Products. If the customers do not complete or meet the
criteria of CAR before the deadline stipulated in the email, we regret to inform that you will not be able to purchase listed SIPs after your CAR expires. However, you may still continue to trade in Singapore-listed equities and sell existing listed SIPs holdings through our Online Trading Platform.
Please see the following instructions to access the online CAR Declaration form.
- Login to Standard Chartered Online Banking
(https://ibank.standardchartered.com.sg/nfs/login.htm)Click on “Menu” and select “Online Trading” under the Invest Section on the menu located the top of the pageClick on the “Online Forms” icon on the top right of the pageClick on CAR Declaration FormComplete the Assessment
- Login to Standard
Chartered Online Banking (https://ibank.standardchartered.com.sg/nfs/login.htm)Click on “Menu” and select “Online Trading” under the Invest Section on the menu located the top of the pageClick on the “Client Details” icon on the top right of the pageYour CAR status will be shown, along with your CAR expiry date (if the expiry date is applicable to you)
If you complete your Customer Account Review (CAR) online, you will be informed of your status immediately. If you do not meet the criteria of the CAR, you may complete the CAR declaration form again. Once you are assessed to continue to possess the relevant investment knowledge and experience, the online securities trading account would be re-instated within 3 to 5 working days. Please bear in mind that you are responsible for the accuracy and completeness of your answers and the Bank's relationship with you is based on the information you provide to the Bank from time to time.
What is a listed Specified Investment Product?The list of capital markets products which are Excluded Investment Products (EIP) are prescribed pursuant to local regulatory requirements (the Securities and Futures Act). Capital markets products which are listed AND do not fall within the definition of EIP will be considered listed Specified Investment Products. Examples of listed Specified Investment Products include foreign-listed stocks, all exchange-traded funds and any other listed securities with embedded derivatives. Intermediaries who are able to identify EIP-equivalent investment products listed on foreign exchanges are permitted to treat these products as EIPs. On the part of Standard Chartered Bank (Singapore) Limited, we will continue to treat all foreign-listed capital markets products (such as foreign-listed shares, all exchange traded funds) as listed Specified Investment Products. This means that customers who wish to trade using their Standard Chartered's online trading accounts will have to complete and pass the Customer Account Review (CAR).
What is the Risk Warning Statement (RWS) which I have to acknowledge when I log into my Online Trading account?Foreign-listed investment products, including Excluded Investment Products (EIPs), may carry a
different set of risks and different levels of protection for investors from those offered locally. Intermediaries are required by local regulation to warn retail customers of the possible risks prior to the customer's first purchase of a foreign-listed investment product from 28 February 2013 and to obtain the customer's acknowledgement on the risk warning disclosure. This will apply to all foreign-listed investment products, regardless of whether the customer has transacted in such products
prior to 28 Feb 2013, and whether the customer is assessed to have the relevant knowledge or experience to transact in Specific Investment Product (SIPs). These new requirements were announced on 9 May 2012. For more information, you may wish to access the announcement using the web-link below:
://www.mas.gov.sg/news-and-publications/truyền thông-releases/2012/mas-modifies-the-regulatory-requirements-governing-the-marketing-and-sale-of-listed-and-unlisted-investment-products.aspx
The Bank is required to obtain the customer's acknowledgement that he/she has read and
understood the Risk Warning Statement (RWS). Acknowledgement of the RWS applies to all foreign-listed investment products, regardless whether you have previously transacted in such foreign-listed investment products prior to 1 January 2013, or whether you have been assessed to have the relevant knowledge or experience to transact in SIPs. Please read and understand the contents of the RWS before indicating your acknowledgement of the RWS. If you have any questions on the RWS, please contact your
Relationship Manager or visit any of our branches.
- What is the purpose of having a Securities Settlement Account?
The Securities Settlement Account is a separate, dedicated cash account used to cater to all of your Online Trading needs. Its intention is to separate monies required for trading and monies resulting from your Online Trading activities from your day to day cash requirements (such as credit card payments, utilities payments, etc).
Is there a minimum balance requirement needed to operate a Securities Settlement Account? Are there any monthly fees or an initial account opening deposit requirement?There is neither a minimum balance requirement nor monthly fees nor an initial account opening deposit requirement.
Will the Securities Settlement Account be interest bearing?No, there will not be any nominal interest paid out on the balances in your Securities Settlement Account.
Are there any cheque books or ATM cards?As this is meant for your Online Trading activities, no cheque books or ATM cards will be issued with the Securities Settlement Account. However, you can transfer monies into your other Standard Chartered cheque and save accounts in order to write cheques or make ATM withdrawals.
What modes of funds transfers are permitted to and from a Securities Settlement Account? Am I able to deposit a cheque into the Securities Settlement Account?Funds transfers into or out of your Securities Settlement Account may only be done from or into your Cheque-and-Save-Accounts (“CASA”) through Internet Banking. Alternatively, you may deposit a cheque directly into your Securities Settlement Account.
How do I view balances in my Securities Settlement Account? Will there be statements provided?You can view and query your balances through Online Banking or Phone Banking. Balances in your securities settlement account will be reflected in your monthly consolidated statements. You will be given e-Statements if you have opted for them.
How many Securities Settlement accounts must I open?You need to open an account that corresponds to the currency that your trade is in.
- Example: If you choose to trade in USD and SGD, you will require a USD and a SGD securities settlement account to be opened. You are allowed to tag the Securities Settlement account to only one Online Trading account and the mandates of both Securities
Settlement accounts and Online Trading account must be the same.Example: You have a joint Online Trading account and a single Online Trading account. You will have to open 2 sets of joint Securities Settlement account and single Securities Settlement account to be tagged to your respective Online Trading accounts.
- What does Standard Chartered's securities trading services offer?
It provides the following key features:
- Quick access to a wide
range of global marketsComprehensive order types such as Stop Loss Orders, Limit Orders, etc.Instant order confirmation via email or SMSComprehensive securities portfolio overviewSecurities portfolio watch listInstant available purchasing powerDetailed stock quotes for all exchangesLatest market news
Stock markets operate from Monday to Friday except for public holidays. Please refer to the respective exchanges for their public holidays. The market trading hours are as follow:
MarketExchangesTrading Hours (SGT)Australia Australian SE (ASX) Non Daylight Saving:
08:00-14:00
Daylight Saving:
07:00 – 13:00
Singapore SE Odd Lot (SGXO) Pre-open session:
08:30 - 08:59
Continuous Trading (AM):
09:00 - 12:00
Continuous Trading (PM):
13:00 - 17:00
Pre-close session:
17:00 - 17:05
Trade Close session:
17:06 - 17:16
16:00 – 00:30
Daylight Saving:
15:00 – 23:30
16:00 – 00:30
Daylight Saving:
15:00 – 23:30
16:00 – 00:30
Daylight Saving:
15:00 – 23:30
16:00 – 00:30
Daylight Saving:
15:00 – 23:30
16:00 – 00:30
Daylight Saving:
15:00 – 23:30
NASDAQ (NMS)
NASDAQ OTC (OTCB)
NASDAQ OTC Issues (OTCQ)
Tp New York Stock Exchange (NYS)
Non Daylight Saving:
22:30 – 05:00
Daylight Saving:
21:30 - 04:00
Please note that critical system batch jobs are run upon the closure of each exchange daily. For orders placed during these periods, you may notice that a status of ‘Pending Risk Check’ (“PR”) would be reflected for several minutes. The duration of these batch runs varies depending on the amount of trade volume for the day, and processing of such impacted orders will resume as per normal upon the completion of these batch runs.
What are the hours for the different market phases for Singapore market?The Singapore stock markets operate from Monday to Friday except for public holidays. Please refer to the Singapore Stock exchanges (SGX) for their public holidays.
SGX Market PhaseTime Period (SGT) (Monday to Friday)Pre-open 08:30 - 08:59 Non-cancel period (no input, amendment and withdrawal of orders) 08:59 - 09:00 Normal trading 09:00 to 17:00
(Mid-day break from 12:00 to 13:00) Pre-close 17:00 to 17:05 Non-cancel period (no input, amendment and withdrawal of orders) 17:05 to 17:06 Trading Close 17:06 to 17:16
Effective 3 June 2022, SGX will be introducing a new “Trade Close” (TAC) session. TAC is a 10-minute trading phase commencing after closing auction (i.e. 5:06pm to 5:16pm for normal day trading). Clients may use this extended trading phase to execute orders the “Closing Auction Price” (CAP). Clients will need real time SGX market data to receive the CAP and to participate in this session.
For Singapore Stock Exchange (SGX), can I place trade during the pre-open or pre-close session? *For orders that are filled during this period of time, modification/ cancellation will be rejected.
#Clients must be subscribed to real-time SGX market data to receive CAP timely during Trading Close (TAC).
Note: We perform a daily maintenance of our system from 5am to 7am. We will not be able to accept any orders, order modification, cancellation during this maintenance window.
- How do
I add markets that I have not opted for initially? Can I call in to opt for new markets to trade?
Requests to add markets for trading can be done easily any of our branches. Alternatively, you may speak to your Relationship Manager.
Am I able to customize my Online Trading pages?Yes, you are able to perform some customization to fit your preferences. This includes but is not limited to landing page, alert configuration, font settings and search filter.
To customize
your Online Trading pages:
- Click on the “Settings” icon on the top right of the Online Trading PlatformYou may set preferences such as ”Landing Page”, “Alert Configuration”, “Font Settings” and “Search Filter”.Click on “Save Settings” to make the changes.
The latest market news is available after you access your trading account via the Online Banking Login. Unless you have subscribed to ‘Real Time’ market data, all market data displayed under ‘Quotes’ is delayed.
Are the stock prices quoted in the Watchlist updated real time?The update of market data in the Watchlist is usually delayed by 10 – 20 minutes, unless you have subscribed to ‘Real Time’ market data.
How can I get access to Real Time Market Data or Real Time Market Depth?This can be done through the ‘Live Market Data’ tab on the online trading platform. You
may redeem rewards such as Real Time Market Data or Real Time Market Depth with your reward points. Please note that Real Time Market Depth is only applicable for SGX, and subscription for Real Time Market Depth requires the subscription for Real Time Market Data for SGX. If you do not have sufficient points to subscribe to real time market data, you can call the Online Trading Hotline 1800 242 5333 (+65 6242 5333 if you are calling from overseas). Please note that separate charges may apply.
Real time market data subscription charges will be debited from your account.
Please refer to 'Redeeming Rewards' section in the Online Help Manual for assistance
You can trade most securities that are listed on the markets and exchanges that the Bank offers and allows trading in. This includes stocks, ETFs, and Company Warrants listed on the exchanges.
Before you trade a security on an exchange, please accept the User Agreement on the specific market by accessing the “Quotes/Watchlist” tab and select the market from the dropdown list that the security is in.
You may refer to “Searching for quotes on securities” in the
Online Help Manualor “Accessing quotes on securities & indices” in the
Mobile Help Manualfor assistance.
Note that you may not be able to purchase certain stocks due to tax and/or regulatory restrictions. This includes, but is not limited to, Keppel-KBS US REIT (stock code: CMOU), Manulife US Real Estate Investment Trust (stock code: BTOU), Prime US REIT (stock code: OXMU), and Eagle Hospitality Trust (stock code: LIW) listed on SGX.
LTV stands for Loan-To-Value. They indicate the maximum credit limit made available to you when you apply for a secured wealth lending facility.
For example, if client has holdings of a particular share which are which are valued a market value of S$100,000 and LTV is 70%, client can be extended a loan of S$100,000*70% = 70,000 for this specific security.
To find out more, please visit: www.sc.com/sg/investment/secured-wealth-lending/
What is the minimum number of shares I can trade online?The minimum number of shares you can trade online is determined by the respective exchanges.
What is the minimum number of shares that I can place in an order?MarketExchangesMinimum shares to place per orderAustralia Australian SE (ASX) 1 Nhật bản Tokyo SE (TSE) Not fixed Singapore Singapore SE (SGX)
Singapore SE Odd Lot (SGXO) 10, 100(Depending on the securities)
1 Hong Kong Hong Kong SE (HKG) Not fixed France NYSE EN Paris (PAR) 1 Switzerland SIX Swiss Exchange (SWX) 1 Germany Deutsche Boerse (XETR) 1 UK London Stock Exchange (LSE) 1 Netherlands NYSE EN Amsterdam (AMS) 1 United States NYSE AMEX (ASE)
NASDAQ (NMS)
NASDAQ OTC (OTCB)
NASDAQ OTC Issues (OTCQ)
Tp New York Stock Exchange (NYS) 1 What are the steps to enter the orders?
- Order Form on the Order Widget will prompt you to enter all order details. You need to click the “Submit” button to bring you to the next page.Order Confirmation Screen will display all information you have entered for your verification.You need to click “Submit” button to confirm your order.Order Result Screen will show you all the details of the order you have
submitted.An Order Reference Number is generated and shown for your reference.
You may refer to “Placing a Basic Order” and “Placing a Stop Loss Order” on the Online Trading Manual and “Placing an order” in the Mobile Trading Manual for assistance.
How do I know my orders are executed or rejected?You can enquire the status of your orders through "Order Enquiry" page or enquire the same via Phone Banking. Below is the order status description:
StatusDescriptionExplanationACK Acknowledged Order submission is acknowledged Q. Queued Order is being queued in the relevant exchange C Cancelled Order has been cancelled. E Expired Order has expired. The order may be partially filled or unexecuted. FF Fully Filled Order has been fully filled. M Modified Order has been modified PT Pending Trigger Order has not been triggered PM Pending Modification Order has not been modified PC Pending Cancellation Order has not been cancelled PF Partially Filled Order has been partially filled R Rejected Order has been rejected T Order is triggered Order has been triggered PR Pending risk check Validation are being done before orders are being placed
Please call our contact centre hotline 1800 242 5333 (local) or +65 6242 5333 (from overseas)
Can I place an order outside trading hours?Yes you are able to place orders anytime during the day. However, do note that orders that are placed outside the exchange trading hours will be accepted only upon the reopening of the trading hours. Such orders will be queued on a first come first serve basis.
What type of orders am I able to place?Order TypesDescriptionDay market buy or
sell orders Order is valid only for the current trading session during which a target execution price has not been set by you.Such orders will then be executed the then prevailing market price the point of execution.All market buy orders placed on Online Trading factor a 15% buffer from the last done price in the Purchasing Power checks performed upon order placement. This buffer is applied on the last done price based on your price feed subscription (live/delayed). The settlement of trades will be based on the actual transacted price and will include fees and charges where applicable. Note that the actual transacted price may be beyond 15% from the last done price the point of order placement, and resultantly, the initial hold placed on your corresponding settlement account, based on the 15% buffer may be insufficient. Accordingly, please be reminded to ensure sufficient funding in the corresponding settlement account on settlementDay limit buy orders Order is valid only for the current trading session during which a target (limit) execution price has been preset by you.Such orders are valid up to the limit execution price.Day limit sell orders Order is valid only for the current trading session during which a target (minimum) execution price has been preset by you.Such orders are valid when the minimum execution price is reached.Next day orders Orders which you place that are valid for the next day trading session.Stop loss sell orders This allows you to set the maximum tolerable loss by setting a stop loss price trigger and a lowest selling price.Your order is valid only after the prevailing market price falls below the preset stop loss price trigger.Once triggered, a stop loss sell order effectively becomes a day limit sell order, with the sell limit price the lowest selling price set by you.Good Till Date orders This allows you to set the period of time where your order will be valid for execution in the market.What is “Limit Price”?
For "Sell" order, the "Limit price" is the lowest price that you are prepared to sell your securities. For "Buy" order, the "Limit price" the highest price you are prepared to buy the securities.
What is “Stop Loss Limit Price”?This is the triggered price for your sell order to be sent to the market for queuing/execution.
What is “GTD”?GTD stands for “Good Till Date”, which is a period of time where your order will be valid for execution in the market. Once the GTD period is over, any unfilled orders will expire. The maximum GTD period is 14 calendar days.
What should I take note of for Stop Loss Orders or GTD orders?Stop Loss Orders:
- once the current price of the stock drops to or below your preset stop loss price, your Stop Loss order(s) will be triggered and placed to market as limit order for execution. The executed price may be better than, or
equal to your limit price. The Stop Loss order(s) will not be executed the price below the specified limit price. we do not guarantee that Stop Loss order(s) can be executed or partially executed.if the above Stop Loss order(s) is not executed during the good-till period, it will lapse after market closes on the good-till dateif the above Stop Loss order(s) is valid for more than 1 trading day and it is not triggered, cancelled or rejected on a trading day during
the good-till period, it will be automatically carried forward to the next trading day, until the end of the good-till period. Once triggered, the order will lapse the end of that trading date and will not be carried forward to next trading day regardless of whether the order is executed fully or not.
Stop Loss order(s) can be cancelled but not amended. The executed part of the Stop Loss order cannot be cancelled, while only the outstanding part of the Stop Loss order can be cancelled before market closes on the trading day on which the executed part of the order is executed
GTD orders:
The GTD order will remain and be carried forward in the system over a period of time until:
- the GTD order is fully executed; the GTD order is withdrawn or cancelled; or the GTD order is rejected.
The GTD order will be cancelled automatically and permanently when any of the following events occur:
- the contract
value of your GTD order exceeds the available balance any point during the validity of GTD order; the share balance is insufficient for your GTD sell order any point during the validity of GTD order; the specific counter in relation to your GTD order is suspended from trading; the price in relation to your GTD order is outside the range of price limit; or the end of last business day upon the expiry date.
GTD orders may not be performed due to fluctuation in stock price, inadequate market liquidity, system failure and any sự kiện beyond our control. The order may be fully executed, partially executed, unexecuted or even rejected.
- GTD order(s) will not be checked and rejected by system for any corporate actions (including but not limited to Right Issue, Stock Split, Reverse Stock Split etc) announced during the validity period of the GTD order(s). Therefore you MUST monitor corporate actions for your GTD order(s) and
cancel or modify the order(s) if required, as corporate actions normally involve change of price and/or quantity. that the GTD buy order(s) requires cash up front and you must ensure that there is sufficient cash whereas the GTD sell order(s) in designated counter will be rejected in the sự kiện there are no available balance of the shares.
Yes. Once your orders are submitted, they will be sent to the Bank instantly.
How do I know the Bank has received my orders? How do I check the status of my trades?After you have entered and confirmed the order/instruction details, an Order Acknowledgement Screen with an Order Reference Number will be displayed. This means that the Bank has successfully received your orders but it does not guarantee that your orders will be executed nor executed in a timely manner in the market. The
Bank will process your orders on a commercially reasonable basis. Your orders may NOT be executed due to fluctuations in stock price, insufficient market liquidity, system failure or any other events beyond the control of the Bank. It is a good practice and your responsibility to check your order status through the “Order Book” widget on the Online Trading Platform and “Trades” on the Mobile Trading App.
You may refer to “Verifying Orders” on the
Online Help Manual or Mobile Help Manual for assistance.
The Bank will process your orders as long as they are valid. Orders remain valid until they are cancelled by you or have expired by the end of the trading day.
Can I sell the stock I buy today?You can sell the stock before settlement date as long as you have sufficient quantities in your securities holdings.
Can I amend or cancel an order?You can make amendments to the order quantity, price and order type. Order amendments or cancellations made during trading hours will be handled on the same trading day upon receipt of instructions provided that the order has not been fully executed or cancelled. For partially executed orders, amendments or cancellations will apply to the unfilled order only.
Please note that before an amendment request has been duly processed, we cannot entertain further amendments on the same order. Once a cancellation instruction is placed, you cannot withdraw your cancellation instruction or make further amendments to the same order. Acceptance of any amendments is subjected to acceptance from the respective exchanges.
How do I amend or cancel an order?- Go to the Order Book Widget on the Online Trading page and you will be able to view your ordersFor orders that can be amended or cancelled, you will be able to click on “Cnc” or “Mod” under the Cancel or Modify columns respectively.Input desired changes and click submit to confirm the amendments or cancellation.A confirmation page of the changes made will appear, then,
click “Ok”.
Note:
You can only cancel orders that are:
- Partially Filled (PF)Queued (Q.)Acknowledged (ACK)Pending Trigger (PT)Pending Modification (PM)Modified (M)
You can only modify orders that are:
- Partially Filled (PF)Queued (Q.)Acknowledged (ACK)
No. You can only amend or cancel your orders online.
Do I need to open an account with Central Depository (S) Pte Ltd ("CDP") in order to perform trades on the Online Trading platform?No, you do not need to have a CDP account.
Does Standard Chartered Bank (Singapore) Limited provide the option of trading using my Central Provident Fund (CPF) or Supplementary Retirement Scheme (SRS) funds?No. Unfortunately we do not offer such option this point of time.
Can I place an order without sufficient funds in the relevant Securities Settlement Account?No. The Online Trading system does not allow buy trades to be placed if there are insufficient funds in the relevant Securities Settlement Account.
What does "Available Purchasing Power" mean? Will there be any adjustment of hold fund after the order is executed?Available Purchasing Power is the available funds you can use to purchase securities. Calculation of Purchasing Power takes into account available cash balances, monies earmarked for trades pending settlement or orders placed (with provisions for price fluctuations) and relevant fees or charges amongst others. Purchasing Power is system generated and the figure(s) is indicative. The pre–requisites for trading are sufficient purchasing power and securities holdings. Hence you cannot place buy orders without sufficient funds, or place sell orders when you do not have sufficient securities. On the trade date, your fund holdings will be adjusted according to the actual debit amount. The exact amount will be debited from settlement account on settlement date which is generally 2 to 3 days after trade date for most exchanges.
Please refer to the ‘Fees and Settlements’ segment below for the settlement dates of the different exchanges.
What happens if I do not have enough purchasing power or insufficient funds in my Securities Settlements Account?You would not be able to buy shares if you face issues with purchasing power. Please contact our Online Trading hotline 1800 242 5333 (+65 6242 5333 for overseas).
Can I trade securities I purchased from other brokers?No you are not able to.
Can I trade Over-the-Counter (OTC) stocks listed in the US?We do not allow buying of OTC stocks on the Online Trading Platform. You may sell existing holdings of OTC stocks through the Online Trading Platform. Please note that Stop Loss orders & GTD orders are not available for OTC stock markets. You may also contact us 1800 242 5333 (+65 6242 5333 for overseas) to place a trade through our dealers. Dealer assisted rates will apply, which will be higher than the Online rates.
Will I receive any instant trade notification after my orders are executed?You will receive SMS, E-Mail and/or in-app notifications when your order is partially or fully executed. Please ensure that you provide your up- to- date mobile number and email address to ensure that you receive all trade notifications. Please note that for joint-name accounts, only the Primary Account Holder will be notified of the order confirmation.
To configure your alert settings (Note that we do not send SMS for Price and News Alerts)
- Click on the settings icon on the top right of the Online Trading PageThen select “Alert Configuration” where three options will be available for your selection – SMS, E-Mail
or Webelect the platforms you would want to receive notifications on and mark the checkbox which indicates “Active”.Click “Save Settings” to confirm your changes.
You may refer to “Setting an alert” on the Online Help Manual & Mobile Help Manual for assistance.
How can I liquidate the SGX odd lots?You may sell existing holdings of SGX odd lots through the Online Trading Platform. Please note that Stop Loss orders & GTD orders are not available for SGX Odd lot market. You may contact us 1800 242 5333 (+65 6242 5333 for overseas) to place a trade through our dealers. Dealer assisted rates will apply, which will be higher than the Online rates.
Are there periods when my shares will not be available for trading?Certain corporate action events (for example, stock splits and reverse stock splits) require customers' investment holdings to be adjusted to reflect the correct post-corporate action quantities. This enables customers to trade based on the correct quantities of that particular shareholding. During this period of adjustment, customers will not be able to enter orders for the affected shares over our Online Trading platform, but may do so by calling our Online Trading Hotline 1800 242 5333 (+65 6242 5333 for overseas). Please note that the orders will be based on the adjusted post-corporate action quantities.
- Are there any charges for the application of the Online Trading account?
No. There are no charges for the application of the Online Trading Account.
What are the trading charges and custody fees?Please refer to the Fees Schedule for details of trading charges for the respective exchanges as well as the respective exchange charges.
When do I get paid for the securities that I sold?You will be paid on settlement date, however your purchasing power increases immediately once the SELL trade is filled.
What are the settlement dates across the different exchanges?SGX, SGXO, NYS, NMS, ASE, OTCB, OTCQ, ASX, HKG, PAR, SWX, XETR, LSE, AMS, TSE: T+2 market days
Please note
that ‘T’ refers to the trade date i.e. the day the trade is executed.
Please be informed that ‘market days’ do not include public holidays.
- Will I be notified of a corporate action sự kiện related to my securities held with SC Online Trading?
With effect from 6 September 2022, primary account holders to SC Online Trading accounts will be notified by SMS and email on corporate actions related to non SGX-listed securities held in their SC Online Trading accounts.
Prior to 6 September 2022, these notifications will be sent by SMS and email or hardcopy letters.
Primary account holders to SC Online Trading accounts will be notified by SMS and email or hardcopy letters on corporate actions related to SGX-listed securities held in their SC Online Trading accounts.
Please ensure that your mobile number, email address, and mailing address, registered with the bank are updated accordingly.
Why am I receiving updates to corporate action events with response deadlines that have already passed?With effect from 3 September 2022, when the Bank acts as your custodian of shares issued by EU companies that are listed in the EU (“EU Companies”) and in compliance with the Shareholders Rights Directive II (“SRD II”), the Bank will notify you of all corporate action events, including updates to corporate action events related to your securities in EU Companies held in your SC Online Trading Account, regardless of whether the response deadlines to the corporate action sự kiện, have passed or not.
What is SRD II?The Shareholder Rights Directive II (SRD II) is a regulation of the European Union that applies to the Bank when it acts as your custodian of shares of companies which have their registered office in a Member State of the European Union (EU) and whose shares are admitted to trading on a regulated market in the EU (“EU Companies”).
What is the objective of SRDII?The aim of SRDII is to strengthen shareholders’ long-term engagement with EU Companies, through the implementation of new obligations to increase transparency in the voting process and shareholder identification.
How does SRDII impact me?Shareholder Identification
EU Companies will have the right to request the identity of their shareholders holding above a certain threshold (which shall be
specified in the national law of the relevant EU Company’s country of incorporation) of shares or voting rights. The Bank will therefore be required to disclose your details, including but not limited to, your name, and identification number, to EU Companies who have raised this request. You will not be able to opt out from a shareholder identification request.
Corporate Action Notifications
The Bank will notify you of general meetings held by EU Companies, in order to
facilitate the exercise of rights accorded to shareholders, including the right to participate and vote in general meetings. The Bank will also notify you of all other corporate action events of a financial nature, including mandatory corporate action events that do not require your instructions for participation. Note that notifications will be sent by email. Please be reminded to update us should there be any changes to your contact details, including but not limited to, email addresses,
mobile phone numbers, and mailing addresses.
Please refer to the SMS and email or hardcopy letter notifications for guidance on how you can submit instructions on voluntary and mandatory with choice corporate action events.
With effect from 6 September 2022, you will be able to submit instructions on voluntary and mandatory with choice corporate action events, related to non SGX-listed securities, held in your SC Online Trading account, through the Corporate Actions Portal.
Further updates will be shared on extending this enhancement to SGX-listed securities.
What is the Corporate Actions Portal?With effect from 6 September 2022, (excluding corporate action events on SGX-listed securities), you will be able to view details of voluntary and mandatory with choice corporate action events related to your securities held with SC Online Trading, and submit, amend and cancel instructions on options availed to yourself, via the Portal.
Please note that the Corporate Actions Portal is only available for primary account holders to SC Online Trading accounts.
Do note that the Portal will now be the default method to submit ALL corporate action instructions related to your non-SGX listed securities held with SC Online Trading from 6 September 2022.
Details of mandatory corporate action events with no action required from you will not be posted on the Portal.
Further updates will be shared on extending this enhancement to SGX-listed securities.
How do I access the Corporate Actions Portal?Step 1: Login to SC Online Banking via a web browser
Step 2: Mouse over ‘MENU’ on the top banner, and click on ‘Corporate Actions Portal’ under the ‘Invest’ column
Please note that the Corporate Actions Portal is only available for primary account holders to SC Online Trading accounts.
Please note that the Corporate Actions Portal is only accessible via SC Online Banking, and will not be available on the SC Mobile, and the SC Trading mobile app.
Is there a guide of the Corporate Actions Portal I can refer to?Yes. You may refer to the Corporate Actions Portal Guide. If you need further assistance, please contact our 24-hour (Monday to Friday) Online Trading Service Line 1800 242 5333 (+65 6242 5333 from overseas).
Will I be able to view all corporate action events on my securities held with SC Online Trading via the Corporate Actions Portal?With effect from 6 September 2022, (excluding corporate action events on SGX-listed securities), you will be able to view details of voluntary and mandatory with choice corporate action events related to your securities held with SC Online Trading, and submit, amend and cancel instructions on options availed to yourself, via the Portal.
Please note that the Corporate Actions Portal is only available for primary account holders to SC Online Trading accounts.
Do note that the Portal will now be the default method to submit ALL corporate action instructions related to your non-SGX listed securities held with SC Online Trading from 6 September 2022.
Details of mandatory corporate action events with no action required from you will not be posted on the Portal.
Further updates will be shared on extending this enhancement to SGX-listed securities.
How will I know which voluntary and mandatory with choice corporate action events on the Corporate Actions Portal, I can submit instructions, and amend or cancel submitted instructions, for?Step 1: Access the Corporate Actions Portal
Step 2: In the 'Summary’ tab, reference the ‘Action’ column
Step 3: There are 3 types of ‘Actions’ captured in the ‘Action’ column. The features availed to yourself, including submission and amendment or cancellation of instructions, depend on the ‘Action’ captured in this column.
- View & Respond: click to view corporate action sự kiện details and submit instructionsView & Amend/Cancel: click to view corporate action sự kiện details and amend/cancel instructions submittedView: click to view corporate action sự kiện
details
Please refer to the Corporate Actions Portal Guide for more information.
How do I submit, amend, or cancel instructions submitted on the Corporate Actions Portal?Step 1: Access the Corporate Actions Portal
Step 2: In the 'Summary’ tab, reference the ‘Action’ column
Step 3: Where it states ‘View & Respond’, click to view corporate action sự kiện details and submit instructions. Where it states ‘View & Amend/Cancel’, click to view corporate action sự kiện details and amend/cancel instructions submitted.
You may refer to the Corporate Actions Portal Guide for more information.
Why am I unable to submit, amend, or cancel instructions, for an ‘Active’ voluntary or mandatory with choice corporate action sự kiện on the Corporate Action Portal?The sự kiện status of voluntary and mandatory with choice corporate action events captured on the Corporate Action Portal are classified under 3 statuses below.
- Active: corporate action events where payments have yet to be processedCompleted: corporate action events where payments have been processedCancelled: corporate action events that have been cancelled
For example, you submitted instructions to take up a tender offer by the stipulated response deadline. The tender offer sự kiện will be classified as ‘Active’ until payment of the tender offer has been processed. When payment has been processed, the tender offer sự kiện will be classified as ‘Completed’.
Please refer to the Corporate Actions Portal Guide for more information.
What if I do not submit my instructions for the selected option(s) for voluntary and mandatory with choice corporate action events by the stipulated response deadline?If your instruction is not submitted by the stipulated response deadline, the default option, for the voluntary corporate action sự kiện or the mandatory with choice corporate action sự kiện, will be applied.
Will I be able to view my historical responses submitted on corporate action events through the Corporate Actions Portal?You will be able to view historical responses submitted through the Corporate Actions Portal on voluntary and mandatory with choice corporate action events in the ‘Historical Responses’ tab of the Corporate Actions Portal. Please refer to the Corporate Actions Portal Guide for more information.
How will I know if my instructions have been successfully captured on the Corporate Actions Portal?Upon submitting your instructions on the Corporate Actions Portal, an on-screen display with confirmation numbers will be displayed for your reference. You will be able to view historical responses submitted through the Corporate Actions Portal on voluntary and mandatory with choice corporate action events in the ‘Historical Responses’ tab of the Corporate Actions Portal. Please refer to the Corporate Actions Portal Guide for more information.
Can I submit instructions after the stipulated response deadline?You will not be able to submit or amend your instruction after the stipulated response deadline. If your instruction is not submitted by the stipulated response deadline, the default option for the corporate action sự kiện will be applied.
Why is my instruction submitted for a voluntary corporate action sự kiện or a mandatory with choice corporate action sự kiện on the Corporate Actions Portal adjusted/cancelled?There may be instances where your instruction submitted for a voluntary corporate action sự kiện or a mandatory with choice corporate action sự kiện on the Corporate Actions Portal will be adjusted or cancelled. These instances include but is not limited to situations where you have transferred or sold the securities that you are required to maintain in order for us to process your selected option for the voluntary corporate action sự kiện or the mandatory with choice corporate action sự kiện.
Please refer to page 13 of the Corporate Actions Portal Guide for more information.
Will there be instances when I will not be able to access the Corporate Actions Portal or submit instruction via the Corporate Actions Portal?There will be a daily maintenance period from Monday to Friday, 10.30PM SGT to 7AM SGT the following day. During this period, you may still view the details of Voluntary and Mandatory with Choice corporate action events related to securities held with SC Online Trading. However, you will not be able to submit, amend, or cancel instructions on the Corporate Actions Portal.
There was a corporate action sự kiện involving my shareholdings being divided by a specific ratio. Where applicable, can I receive fractional shares?Fractional shares are share entitlements which are less than the minimum share size (1 share).
Issuers generally issue shares in whole numbers. If the Issuer does not issue fractional shares, the Bank will not be able to credit you with any such fractional shares. The Issuer may round down any fractional share entitlements to the nearest 1 share, and upon receipt, the Bank will credit these shares into your SC Online Trading account.
Please note that your instructions for share entitlements arising from corporate action events will be aggregated with other clients’ share entitlements when the Bank đơn hàng with the Issuer. When the Bank receives whole shares as a result of an aggregation of fractional share entitlements, the Bank will distribute the monetary value of the whole shares received, based on either the reinvestment price, or the prevailing market price, proportionately to eligible clients.
Similarly, when the Bank receives cash-in-lieu of your fractional share entitlements, the Bank will distribute it proportionately to eligible clients. The cash-in-lieu you receive may not be equal to the reinvestment price of the fractional share entitlements. Please also note that Issuers may not issue cash-in-lieu in relation to fractional share entitlements, and in this scenario, the Bank will therefore not be able to issue you cash-in-lieu of your fractional share entitlements.
There was an announcement of the delisting of shares of company X. Why has this happened?The Bank is unable to comment on the delisting of shares of company X, as shares may be delisted from a stock exchange for reasons that are beyond the control of the Bank.
Can I still sell shares that have been delisted?Shares that are delisted from a particular exchange can no longer be traded (i.e. Buy/Sell transactions cannot be put through) on that exchange by any party. There are instances (1) where the delisting is temporary, and the shares will be relisted on another exchange or (2) where the shares are listed on more than one exchange. Under such instances, we can exceptionally submit a request to check whether the delisted shares can be transferred to the other exchange for trading, but this is subject to our discretion.
If the shares are completely delisted (i.e. no longer trading on any exchange), physical share certificates may be issued to the shareholders, subject to the discretion of the company and share registrar. You may request for us to perform a re-registration of the shares in your name, but this is also subject to the discretion of the company and share register. The re-registration will incur charges that you must bear should you decide to proceed with the re-registration.
We, however, regret that we will not be able to support trading of the physical share certificates once the re-registration is completed.
Other than the above, you may also have the option of transferring your shares to another broker, subject to the discretion of the company, share registrar, and the other broker. Charges will apply for the transfer.
I have yet to receive the cash and/or shares resulting from a corporate action sự kiện, although the market pay date has already passed. Why is this the case?Due to our nominee structure, the cash and/or shares resulting from a corporate action sự kiện will only be credited into your Securities Settlement Account and/or SC Online Trading account, respectively, after receipt of the resultant cash and/or shares from our custodian. Thus, you will only be able to utilize the resultant cash, and sell the resultant shares, after the shares have been credited into your Securities Settlement Account and SC Online Trading account, respectively.
There was a corporate action sự kiện that involves an adjustment to my shareholdings. Why have my shareholdings not been adjusted?Due to our nominee structure, adjustment to your shareholdings related to a corporate action sự kiện, including but not limited to, reverse stock splits and stock splits, will only be performed upon receipt of confirmation from our custodian. If you end up in a short sell position, as a result of insufficient shareholdings for your sell order in the sự kiện there was a delay in updating your shareholdings following a corporate action sự kiện, we reserve the right to adjust your holdings and perform a buy-back on your behalf. Please refer to Clause 1.4.8 of our Investment Product Terms.
- Can I transfer shares from my other brokers to Standard Chartered Bank (Singapore) Limited?
Yes. You may transfer foreign shares by filling in the Share Transfer Form which can be found on the Online Trading Platform. Please note that there may be third party fees or charges involved with respect to such transfers. With regards to SGX transfer inwards shares, you will have to fill in the CDP 4.2 form (You will be prompted to print, fill in CDP 4.2 form, and send via mail the final stage of the shares transfer form).
To access the Share Transfer Form,
- Click on the Online Forms icon on the top right of the Online Trading PlatformClick on “Shares Transfer Form” and fill in your details accordingly.
All share transfers may take up to 14 working days to be completed (if all necessary documentation is accurate and complete). As share transfers involve other brokers, please liaise with your other broker to obtain the necessary documentation that is required to be submitted by them their end. We may help to facilitate this on a commercially reasonable basis, but we bear no responsibility to provide any external party forms or for the accuracy of any information obtained from an external party. Please note that transfers of securities must be carried out and settled, in the respective Central Securities Depositories in which we hold securities.
How would the securities purchased by me through the Online Trading platform be held?Standard Chartered Bank (Singapore) Limited (The “Bank”) acts as a custodian in respect of the securities purchased through the Online Trading platform, as well as for securities
transferred to the Bank by the clients for the purpose of consolidating their securities holding with the Bank. In doing so, the Bank is providing safe custody service on terms set out in the Investment Product Terms.
These securities are held on trust by the Bank or its nominee. The clients are the beneficial owners of these securities. In the unlikely sự kiện that the Bank becomes insolvent, such securities held on trust are not subject to the claims of the Bank’s creditors. This is because
the securities are held on trust by the Bank or its nominee as custodian, and are kept separate from the Bank’s own assets.
For more information, please refer to the Investment Product Terms
Should the Bank decide to cease the offering of the Online Trading platform, the Bank will, every client’s option, deliver the Documents of Title of the securities in its custody back to the client, or transfer them to a bank or agent of client’s choice.
The delivery or transfer will be done in an orderly manner and in accordance with the banking agreement (which includes the Investment Product Terms) entered with the clients. The Bank’s staff would also be available to assist in the process.
Nonetheless, the above is a very unlikely scenario as the Bank has no intention of ceasing the offering of the Online Trading platform.
For more information, please refer to Part E of the Investment Product Terms, which outlines the process for the termination by either party of the safe custody service.
Can I transfer SGX-listed securities held in custody by the Bank to my securities account with the Central Depository (Pte) Ltd (CDP)?Yes. Clients are able to transfer their SGX securities held in custody by the Bank to their securities accounts held directly with CDP. There are third party fees or charges involved with respect to such transfers, which shall be borne by the clients. However after the transfer is completed, the transferred shares will not be available for trading on the Online Trading platform.
I would like to participate in the general meetings held by an issuer. Can the bank help me make arrangements for it?With effect from 3 September 2022, when the Bank acts as your custodian of shares issued by EU companies that are listed in the EU (“EU Companies”) and in compliance with the Shareholders Rights Directive II (SRD II), the Bank will notify you of general meetings held by EU Companies, that you will be allowed to participate and vote in. Notifications will be sent to you by email and SMS, and you may submit your voting instructions by calling 1800 242 5333 or +65 6242 5333.
For non-EU Companies, we refer to the Investment Product Terms, and set out below our response.- All securities (including shares) purchased by you are delivered to the Bank as custodian and are held by the Bank or our nominee as custodian for and on behalf of you. While you remain the beneficial owner of these securities, the point of account
opening, you have authorised us to exercise all rights accruing or vested in you under the applicable law in relation to the rights of voting in respect of any of the securities held for your account. The Bank or our nominee will exercise all rights of voting in respect of any of the securities in such manner as we deem fit. You further agree that we may our own discretion decide not to exercise any of such voting rights. Please refer to Part E Section 3.2 and Section 5 of the Investment
Product Terms for further information.You also acknowledge that the Bank is not obligated to make available all or any notices, proxies and proxy soliciting materials in relation to the securities held pursuant to these Terms. Please refer to Part E Section 3.2 of the Investment Product Terms for further information.If you wish to attend any general meeting held by a Singapore issuer, you may inform us of your intention by calling the Online Trading hotline 1800 242 5333
(+65 6242 5333 for overseas). Upon being informed, the Bank will, but is not obligated, to make arrangements for you to attend the general meeting, on condition you abide by the following requirements:
- You are the beneficial owner of the securities;You inform the bank least 10 working days prior to the business day on which the general meeting is held;You consent to the Bank disclosing your personal details (Name, NRIC, Contact Number, and Trading Account Number) to
the issuer/company for purposes of confirming your attendance the general meeting;You agree to bring along your monthly securities statement which reflect that you still own the securities corresponding to that particular issuer; andYou produce your Singapore NRIC the general meeting venue for identification purposes.You acknowledge and understand that you are only allowed to attend the general meeting as an observer and have no right to vote the general
meeting.
- What is the withholding tax rate that applies to income and proceeds earned from my investments?
In general, income and proceeds earned from investments may be subjected to tax and where applicable, the tax will be withheld upfront by us if the investments are held with or placed through us. However tax treatment differs between jurisdictions. Please seek independent tax advice or refer to the website of the relevant jurisdiction’s tax authority for further details.
I am a resident of a country that has a tax treaty with the country that has withheld the tax. Why was the maximum withholding tax rate still applied in my case?The rate which we withhold tax on your investments depends on the tax rate specified by the relevant tax authority. If you form the view that a preferential rate applies to your investments held with or placed through us, you should contact the relevant tax authority or engage a tax agent to seek a refund. We do not provide any tax advisory services or tax reclaim services.
Can Standard Chartered Bank (Singapore) Limited help me with my tax reclaim?When our customers who are not US Persons choose to invest in US securities, they are required to furnish us with a W8-BEN (for individuals) or W-8BEN-E form (for non-individuals) to declare their non-US Person status as well as whether they would be the beneficial owners of the income to be distributed in respect of such US securities. Submission of the W8-BEN form/ W-8BEN-E form does not exempt you from the US withholding tax imposed on dividends. This means, dividend payments are always net of withholding tax when credited to your account.
I am not a US Person, why do you need me to complete and submit a W8-BEN form/ W-8BEN-E form?When our customers who are not US Persons choose to invest in US securities, they are required to furnish us with a W8-BEN (for individuals) or W-8BEN-E form (for non-individuals) to declare their non-US Person status as well as whether they would be the beneficial owners of the income to be distributed in respect of such US securities. Submission of the W8-BEN form/ W-8BEN-E form does not exempt you from the US withholding tax imposed on dividends. This means, dividend payments are always net of withholding tax when credited to your account.
How do I check if my W8-BEN status is still valid?- Click on Client Details icon on the top right Online Trading PlatformYour W8-BEN status will be shown, along with your W-8BEN expiry date
- What are the system requirements for using the Online Trading Platform?
- For Online Trading: Internet Browser (IE, Safari, Chrome, Firefox, all major browsers available in market)For Mobile Trading: iOS or Android
device
How do I login to the online trading platform via iOS, Android devices?
You can tải về the SC Mobile Trading App by going to the Apple App Store or Google Play Store and key in a search for “Standard Chartered Mobile Trading” on your device. Then, tap on the tải về button to install.
You can then go to the downloaded App and tap and enter your Online Banking Username and Password and hit login.
You can check the status of your orders through "Order Book" widget on the Online Trading Platofrm or “Trade” on the Mobile Trading App. If you require further assistance, you may call our Online Trading Hotline 1800 242 5333 (local) or +65 6242 5333 (from overseas) for assistance.
You may refer to “Verifying Orders” on the Online Help Manual or
Mobile Help Manual for assistance.
You may call our Online Trading Hotline 1800 242 5333 (local) or +65 6242 5333 (from overseas) for assistance.
What should I do if I’m unable to load the Online Trading Platform on my browser?- You may need to refresh your browser settings.
Please click here for steps. Please contact our Online Trading Hotline 1800 242 5333 (local) or +65 6242 5333 (overseas) for further assistance.
The information set out on this page is intended to provide general information and should not be treated as legal advice or a substitute for specific legal advice. Standard Chartered Bank (Singapore) Limited does not warrant its accuracy or completeness or accept any liability for any loss or damage arising from any reliance thereon. Information is correct as the date of publication but may be subject to change without prior notice.
- What is Pay-Any-Card service about?
Pay all your credit card bills within Standard Chartered Online Banking. Any Visa or MasterCard cards with any banks are acceptable. Card payments can also be performed on your iphone anytime, anywhere.
Who is Pay-Any-Card for? Who is eligible for it?In Singapore, Pay-Any-Card service is only available to Standard Chartered Online Banking customers who hold a Current, Savings or Personal Credit account with us. If you're an existing Standard Chartered customer without an Online Banking ID, simply register and be on your way to use Pay-Any-Card service.
Do you need to register for Pay-Any-Card service?No registration is required. Standard Chartered customers can use this service as long as they have valid Online Banking IDs and hold a Current, Savings or Personal Credit account.
Do I have to pay to use this Pay Other Bank's Credit Card service?This service is không lấy phí of charge
How do I access Pay-Any-Card service?You can access this service by:
Log in to Online Banking with your username and passwordClick "Payments & Transfers" on the left menu panelClick "Pay other Banks Credit Cards"Add Payee by entering Payee DetailsWhat are the types of Standard Chartered accounts I can pay from?You can pay from a Standard Chartered Current or Savings account or Personal Credit account.
What are the types of Credit Cards I can pay to?You can pay to any Visa or MasterCard Card issued in Singapore only. American Express and Diner's Club cards are currently not applicable under this service. Pay-Any-Card is also not applicable for personal loan accounts and funds transfer accounts.
Is there a limit on the amount I can pay other Bank's Credit Cards?Yes. The maximum payment limit per Pay-Any-Card instruction is S$15,000, subject to a daily cap of S$20,000 per customer or account limit cap, whichever is lower.
Is there a daily cut-off time for the Pay-Any-Card service?Yes. All payment requests made after 11pm will be treated as next day's transaction. Payment requests made before 11pm are expected to be credited to beneficiary card within 2 business days.
Example: Your credit card payment due date with another bank is on 31 May. You should make payment using Pay Other Bank's Credit Card before 11pm on 29 May. In addition, you are responsible for all the late payment charges if any, imposed another bank for the delay in your credit card payment.
Can I set a future date or scheduled instruction for a Pay-Any-Card transaction?Your scheduled instructions will be processed in early morning of the effective date. In the sự kiện that the effective date falls on a weekend/PH, the transaction will be processed on the previous working day.
How do I know if the payment request has been submitted successfully?You can check the status of your payment request by:
- Logging into online bankingUnder Payments & Transfers > Payments / Transfers HistoryCheck if the status is "Successful" or "Rejected"
For Visa or MasterCard credit cards issued in a foreign currency, the transferred amounts will be in Singapore dollars and will be converted into the applicable foreign currency by the Beneficiary Bank its prevailing exchange rate.
What if I provide an inaccurate account number or submit a wrong payment amount?You have to ensure to provide the accurate number of the Beneficiary Card and the accurate transfer amount. Standard Chartered Bank (Singapore) Limited is not responsible for an erroneous credit if an erroneous Beneficiary Card number and/or transfer amount is provided by the user, and the Bank shall not be liable to reverse such erroneous credit to the Beneficiary Card.
How long will it take for the funds to be credited to my other Banks' Credit Card account?Standard Chartered Bank (Singapore) Limited shall endeavor to send the transferred amount within 24 hours of the Pay-Any-Card instruction, provided however the Bank is not responsible for the period within which the proceeds are received by the Beneficiary Bank and credited to the Beneficiary Card.
Call our hotline for further
information.
1800 747 7000
Alternatively, please complete our contact form and we will be in touch as soon as possible.
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