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Cash management
Multiple award-winning solutions.
Get more from your cash management. Streamline your priorities to Collect, Hold, and Pay with ease.
Partner with us to Collect, Hold, and Pay
Collect without hassle
Solutions for all your traditional and digital collections needs in one place.
Digitalise collections your way
Our award-winning omni-channel digital collections gateway, Straight2Bank Pay, lets you offer multiple payment options to customers — both online and offline — without different integrations and accounts with providers. From QR codes to payment links, dashboards to invoice presentment and payment, we’ve got you covered.
Collect in real-time, 24/7, wherever you are
In addition to over 100 clearing networks globally, you can also collect instantly from your customers by leveraging our direct participation in 22 instant payment infrastructures across Africa, Asia, Europe, and the Middle East.
Enhance the efficiency of recurring collections
Benefit from improved predictability around your recurring collections through our direct debit solution. Focus on what matters most to your business and leave the direct debit mandates to us.
Streamline and centralise your account receivables
With rationalised account structures and immediate payer identification from our Virtual Account for Collections solution, you can improve visibility and control over your accounts receivable while achieving operational and cost efficiencies.
Access 130+ currencies at once
Remove the need for manual conversions — our transactional FX solution integrates FX within your transaction flows, providing you access to multiple currencies in one place while driving operational efficiencies through enhanced control and risk management.
Automate reporting with a new workflow
Reporting is the final – yet no less critical – part of collections. With our Straight2Bank Pay platform, you can access dashboards, automate customised reporting, and delve into the details of transactions. It’s your new extended digital workflow.
Hold and optimise simultaneously
From sustainable development contributions to yield enhancement and more, we help you make the most of your cash.
Get more value from your cash
You can now achieve higher yield on your cash, while retaining full access to funds. What’s more, our enhanced CASA (current and savings account) comes with detailed reporting to give you better visibility.
Take control and efficiently manage your account
With our Client Account Services solution, you can create and manage sub-accounts online in near real-time for your operational needs. This allows you to transact, reconcile and track activities, view balances, and optimise your liquidity.
Contribute to sustainable development
We can now help you accelerate your sustainability agenda while balancing critical organisational liquidity needs. With Sustainable Account, you can retain intraday liquidity while the cash in your account is referenced against sustainable projects based on the Bank’s Green and Sustainable Product Framework.
Make the most of your cash
Visibility, control, and optimisation are unwavering needs in managing liquidity, and the demand for efficiency never takes a pause. That’s why our liquidity management solutions are built with automation at the heart: from classics such as sweeping, notional pooling and interest optimisation, to customisable options such as just-in-time sweeping, intercompany limit controls, dynamic pool payment facility and more.
Safeguard your assets
From mergers and acquisitions to venturing into new digital business models, transaction risk mitigation has taken centre stage. Let us guide you through local nuances to create tailored escrow and account bank structures for the optimal safekeeping and management of your cash flows.
Pay quickly or securely
Whether for traditional payments like payroll, or the latest API-based solutions, we’re the partner for all your domestic and international payment needs.
Rely on basics done right
Smooth, frictionless payment is a common expectation. While the digitalisation drive has been focused on advancing payments, we haven’t lost sight of the basics — we offer solutions for your fundamental payment needs, from tax and payroll to telegraphic transfers. Plus, with our emerging-market footprint, we also bring understanding of local nuances and associated risk mitigation.
Streamline cross-border flows with just one account
For bulk cross-border payments, our international automated clearing house (IACH) solution provides direct access to ACH networks from one centralised account. With no need to maintain multiple local accounts, predictable turnaround times, and automated FX conversion, IACH can help your international payment operations run smoothly.
Deliver cross-border payments in near real time
Offered across our network, near real-time cross-border payments provide you and your beneficiaries with fast settlement — comparable to domestic payments — and often with full principal guaranteed to the beneficiary. Want to up the ante on efficiency? Give our pre-validation add-on a try to reduce errors and missing information in your transactions.
Pay instantly – anytime, anywhere
For ultimate convenience and security of urgent payments, our Instant Payments solution can help you keep up with expectations. Via a single platform, we support 24/7 instant payments, with no cut-off times, and at a lower cost than cash or cheques.
Simplify and centralise payment reconciliation
Maintaining multiple physical accounts to make regular payments can be costly and inefficient. Our Virtual Account for Payments solution can help you identify suppliers and reconcile payments with ease and control, without the need for multiple physical accounts.
Put a wallet in every hand
The mobile wallet revolution has put a simple way to pay and receive funds into the hands of consumers everywhere – including unbanked beneficiaries. Our solution, Straight2Bank Wallet, goes beyond this to offer bank-grade security and connectivity to multiple providers, with seamless reporting functionalities through a single account.
Access 130+ currencies at once
Remove the need for manual conversions – our transactional FX solution integrates FX within your transaction flows, providing you access to multiple currencies in one place while driving operational efficiencies through enhanced control and risk management.
The future of payments, today
Our goal in payments has always been to offer clients the best possible experience centred around scalable, reliable, and secure real-time capabilities. So we created SCPay – an award-winning, cloud-native, API and micro-service based platform that enables fast processing of digital payments and full reporting transparency.
Speed, speed, speed
SCPay handles over 2,500 transactions per second, providing you assurance of rapid turnaround times.
Access in real time
With easy switching between payment processing sites across regions.
Eliminate manual interventions
Our self-healing bots auto-detect exceptions and recover payment discrepancies automatically.
Expertise and exemplary service
Your treasury is constantly adjusting to business and regulatory requirements. So, as well as implementation and ongoing servicing needs, we’re committed to guiding you through transitions with ease.
And with our unique mix of global and local expertise, we’re best placed to help you understand nuances in the world’s less explored markets.
Guide to payment regulations
Payments have seen rapid evolution across the world, bolstered by advanced developments in technology and the exponential growth of fintechs.
Understand the impact of regulations related to the provision of payment and e-money services in this guide, jointly developed in collaboration with Allen & Overy.
Ease your ISO 20022 migration
This new open messaging service for payments is set to transform the financial services industry. Yet to benefit from the associated efficiencies, speed, and transparency, several important steps must be taken.
We’re here to guide you through ISO 20022 migration, to ensure you’re prepared for the future of payments.
Transform your treasury
Would a Regional Treasury Centre or a Shared Service Centre model bring more near-term efficiencies? What is needed to evolve your business to include a digital marketplace? How can your treasury tap on blockchain technology?
Our Structured Solutions team of experts — with decades of hands-on experience — are here to help.
Speak to your Standard Chartered representative.
Concentrating Cash Across Borders
Get a practical and global perspective of how companies like yours can manage cash pooling across borders in this new norm – with real-life examples.
Cash management
at Standard Chartered
Our footprint combines global reach with local expertise, advisory capabilities, trademark service and an award-winning suite of solutions to help you Collect, Hold, and Pay wherever you are.
From offering convenient collection methods for your customers, to contributing towards organisational sustainability goals, we aim to shape your cash strategy to match your unique requirements.
Plus, you’ll have immediate access to advisory backed by decades of experience from our finance and treasury specialists.