How can we help you?

Online Banking is a simple, hassle-free and secure Internet banking service available to Standard Chartered customers.

• It’s easy to apply, and it’s free
• It’s your own bank. You have instant access to up-to-date information on your accounts
• It’s safe & easy. Using your Internet banking ID and Internet banking password, you can now bank with confidence knowing that your transactions remain safe with us. With our simple and intuitive navigational toolbars and buttons, you don’t need other instructions or assistance
• It’s fast. It takes only a few minutes to get updated account information and complete a banking transaction – giving you more time to do other things
• It’s convenient. You can perform online banking right from the comfort of your home or office
• With this service, you can access your Standard Chartered accounts 24 hours of the day, 365 days of the year
• Worldwide access – as long as you can access the Internet, you can access your Standard Chartered accounts, anywhere in the world
• You don’t need to purchase any special software. As long as you have a personal computer with the minimum configuration, you are ready to start. Please check the minimum browser requirements
• Our wide range of online banking services help you to better manage your finances. Moreover, we will progressively add more new services for your convenience

There is no extra charge for using this service.

Yes. This service is available 24 hours a day, 7 days a week.

Yes, the Standard Chartered products and services are available from overseas except from Cuba, North Korea, Iran, Sudan, and Syria. You will also require access to the Internet with the recommended Internet browser.

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

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

If you are using Netscape Communicator 4.7x:

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

If you are using Internet Explorer 5.x:

• Click on [Tools]
• Select [Internet Options]
• Select [Advanced] Tab
• Scroll down to [Security]
• Check [Use SSL 3.0]
• Click on [OK]

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

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

• DO NOT reveal your ID and password to anyone, write down or use it where someone else can see.
• Change your password IMMEDIATELY, using the ‘Change of Password’ service, if you suspect it has been revealed.
• DO NOT use easily recognised numbers such as your telephone number etc. as your password.
• REMEMBER TO LOG OUT of the system and close your browser whenever you leave your computer, even for a short while.
• Clear your browser’s cache on a regular basis so that your account information is removed. This is particularly important if you are using a shared PC. You should clear it after each session.
• Always use the latest recommended Internet browser so that you are using the most updated security features available.

Call our phone banking immediately if you notice any unusual transactions on your account.

If you suspect unauthorised transactions have been performed on your account, please contact our Phone Banking hotline on +233 302 740100, providing details such as your name, account number, transaction type, date and time of transaction, description of error and amount involved.

If you suspect they are due to lost / stolen password, please call our phone banking to terminate the password immediately.

You may want to take note of your last login date and time, which is indicated on the Personal Homepage.

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.

• Do not choose a password that is easily identifiable such as your personal telephone number, birthday or other personal information
• Avoid using sequential numbers (such as 123456) or same number more than twice (such as 123226) for your password
• Your password must be kept confidential at all times and not be divulged to anyone. Do not reveal your password to anyone
• Your password must be memorised and not be recorded anywhere. Do not write down your password or use it where someone can see
• Change your password immediately if you suspect it has been revealed
• Change your password regularly. You can change your password anytime under ‘Personal Update – Change of Password’

To use this service, you must have at least a transactional account with Standard Chartered Ghana. Partnership and Public Limited Companies are not eligible. Click ‘New user register’ to apply for the Online Banking service.

On our homepage www.sc.com/gh click on ‘Apply for Internet Banking’ and fill out the form. On the Online Banking login screen click on ‘New User Registration’ and complete the form. You can also apply via branch.

They are unique secret words / characters for each user to ensure confidentiality. You need both of them to log in. Your login ID and password will be available for collection at your branch.

No, your Internet banking ID and password are unique to this service.

Please call Phone Banking.

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

You can only change your Login ID when you login to Internet Banking for the very first time.

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

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

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

You can view your transactional history up to one year for your accounts. Your A/C statements are segmented as per the period selected.

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

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

No. The Mail Box is only for communication between you and Standard Chartered Bank. For security reasons, we do not accept any instructions relating to financial transactions through the Mail Box.

Yes. You can delete messages from the Mail Box.

All messages will be deleted automatically on weekly intervals.

Yes, you can get transaction alerts by email.

You can transfer funds between your own Standard Chartered accounts or to another pre-registered Standard Chartered Ghana account.

Yes, you will need to pre-register the accounts before you can transfer funds.

This can be done online yourself, by visiting any branch or by calling Phone Banking at 022-740100-29.

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

You can transfer up to GHS 500.

Yes. You can delete any of your Set-up Standing Order Instructions one business day before the effective due date. Please contact the bank to make this request off-line.

Yes.

Yes.

Yes.

Yes.

Yes.

Minimum Hardware Requirement:

• PC with Pentium 166MHz processor or higher
• 32 MB RAM or higher
• SVGA or higher resolution monitor, 256 colours minimum, 800 x 600 screen resolution
• Modem of 56kbps or higher Minimum Software Requirement
• Microsoft Windows 95 / 98 / NT / 2000 operating system
• Microsoft Internet Explorer Version 4.01 with Service Pack 2 or above*
• Netscape Communicator Version 4.6 or above*

Note: Currently Netscape 6.x and 7.x are not supported

• Both “Java” and “Java Script” have to be enabled
• Please ensure the Microsoft Virtual Machine is the default browser.

* To make use of the 128-bit SSL encryption and enjoy the highest level of security, we strongly recommend that you upgrade your browser to Internet Explorer version 5.01 and above or Netscape Communicator 4.7 and above

Note: Currently Netscape 6.x and 7.x are not supported.

If you are using Netscape Communicator –

1. Click on [Help]
2. Click on [About Communicator…]

If you are using Internet Explorer

• Click on [Help]
• Click on [About Internet Explorer]
• Click on [OK]

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

Our website is optimised for view with screen resolution of 800 x 600.

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

Ensure that you are using one of the recommended browsers.

This is commonly known as GPF (General Protection Fault). This is an error that happens at your PC. You have to restart your browser usually. Sometimes you may need to restart your PC. If the problem persists, please consult your PC vendor.

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

Please call our phone banking 23321 740100 29 Kindly take note of the error code or message if any, to be provided to the customer service officer for investigation.

Due to the requirements of the service, “Java” and “JavaScript” must be enabled in your browsers.

If you are using Netscape Communicator 4.7x

1. Click on [Edit]
2. Select [Preferences]
3. Choose [Advanced] under [Category]
4. Check [Enable Java] and [Enable JavaScript]
5. Click on [OK] & restart the browser

If you are using Internet Explorer 5.x,

1. Click on [Tools]
2. Select [Internet Options]
3. Select [Advanced] Tab
4. Scroll down to [Microsoft VM]
5. Check [JIT compiler for virtual machine enabled]
6. Click on [OK] & restart the browser

Please refer to [HELP] contents if you’re using browser of other versions.

If you are using Netscape Communicator 4.7x

1. Click on [Edit]
2. Select [Preferences]
3. Select [Advanced]
4. Select [Cache]
5. Click on [Clear Memory Cache] and [Clear Disk Cache]
6. Click on [OK] & restart the browser

If you are using Internet Explorer 5.0,

1. Click on [Tools]
2. Select [Internet Options]
3. Select [General] Tab
4. Click on [Delete Files] under [Temporary Internet Files] section
5. Check [Delete all off-line content]
6. Click on [OK] & restart the browser

Please refer to [HELP] contents if you’re using browser of other versions.

Mobile Banking is a fast, easy and secure way of accessing your bank account 24 hours a day, 7 days a week from wherever you are .

It allows you to carry out menu-driven transactions without having to remember any key words and downloading any applications on your handset. All you need is to dial *389*247# (MTN & Glo customers) and *489*247# (Tigo customers), and start using Mobile Banking right away.

USSD Mobile Banking is different as:

• It provides an interactive browsing experience
• It is available on all GSM handsets
• It has an in-built Unstructured Supplementary Service Data (USSD) encryption and “no store just forward” facility for performing secure transactions
• You don’t need to remember transaction message formats
• It works on roaming
• Faster service, as allowed by your mobile network

Do not choose a Personal Identification Number (PIN) that is easily identifiable such as your personal telephone number, birthday or other personal information.

Avoid using sequential numbers (such as 123456) or same number more than twice (such as 123226) for your PIN.

Your PIN must be kept confidential at all times and not be divulged to anyone. Do not reveal it to anyone.

Your PIN must be memorised and not be recorded anywhere. Do not write down your PIN or use it where someone can see.

Call the Contact Centre for PIN reset immediately you suspect your PIN has been revealed.

Yes. You may change your PIN the first time you access Mobile Banking with short code. Subsequently, you will have to call the Contact Centre or go to the Branch for PIN reset.

Can I pay my bills through the service?

Yes. You can pay you DSTV and ECG bills.

You can top up Air-Time for the following networks: Airtel, Expresso, Glo, MTN, Tigo and Vodafone.

Your credit limit is the amount you are allowed to borrow at any one time based on your income and satisfactory credit bureau report.

Yes. You will be able to use your credit card abroad to make payments and take cash from ATMs, make online transactions and perform other transactions up to a maximum of $10,000.00 per travel annually.

Yes there is. We charge a cash fee of 3% of the amount withdrawn when you take cash out (with a minimum charge of GHS25.00).

Remember – interest rate applies to cash withdrawals. Purchases via Point Of Sale (POS) and Online are free for the stipulated interest free period. So it can be costly to use your credit card to get cash out on a regular basis.

Just complete our limit/billing cycle change request form and send same to the branch, letting us know the preferred dates. We will then let you know if we can change the dates, or not. More information on salary payment date may be required from you.

You will receive your statement twenty days before your payment is due. In spite of the option you choose, please make sure your payment reaches us by the due date.

You can pay your bill in a range of ways including:

1. Online/mobile banking
   You can pay your bill by transferring funds from your current/savings account to your credit card account via online/mobile banking.
   When making a payment from Standard Chartered Bank online/mobile
   • Select ‘Credit Card Payment’/ ‘Pay SC Credit Cards’ under ‘Payments’ in the main menu
   • Select active card
   • Select account from which payment will be made
   • Select payment type – One time or recurring (online)
   • Select payment amount – statement balance due/Minimum due/Others
   • Select date
   • Confirm
2. Cash Deposit Machine (CDM)/ Automated Teller Machine (ATM) Payment
   Insert your Credit Card and follow the prompts.
   Where the card is not available, make cardless credit card payments with your card number.
3. In-branch payments
   Fill a cash deposit form and annotate your Credit Card number. Present to a Teller for payment to be made onto your Credit Card.
4. You may set up Standing Instructions from your account for Credit Card payments on specific days.
5. By a Mandatory Standing Instruction
   This is automatically set up when your card is issued. There are two SI payment options: the minimum amount and the total amount due (subject to minimum payment requirements of GHS50.00).

Yes.

The minimum payment is really a safety net to ensure you don’t incur late payment charges. Ideally, you should still make additional payments by other means rather than sticking to the minimum each month. If you make an additional payment, your spend or statement balance will be reduced by the amount of the additional payment.

On your account, you have a total cash withdrawal limit of 30% and a daily cash withdrawal limit.

The maximum daily cash withdrawal limit is GHS5000.00 for Platinum and GHS8000.00 for Infinite.

The date your payment is due is printed on your monthly statement. The standing Instruction set up on your account will run on the due date. In case you want to make additional payments, please allow 3 working days for us to receive and process your payment. If your account is not funded within 2 days after your payment due date, you will be charged late payment fees.

If you’ve made a transaction and it appears on your eStatement twice or more, you’ll need to visit the branch to complete a charge back form. It can take up to 45 days for the refund to be credited to your account.

Each month, you will receive an eStatement telling you of your full outstanding balance (everything you have spent plus any interest and charges) and your minimum amount due. You can pay any amount between this minimum amount due and your full outstanding balance.

Your interest free period starts from your cycle date. Transactions done within the first 30 days of your cycle are due for payment by the 50th day. You can get up to 50 days interest free on purchases, if you pay off your balance in full each month or by the due date. You will not be charged interest during the interest free period except for cash withdrawals which attract interest from the same day.

Standard Chartered Bank has six billing cycles: 1^st, 5^th, 10^th, 15^th, 20^th and 25^th.

The statement date on your statement cycle is usually the same day as the last day of the billing period. This is the date your bill is actually issued, and your bill will be due twenty days after that date. The statement date and the due date are not the same.

A billing cycle is recurring and is most often set to repeat on a monthly basis. For example, you may get your credit card bill on the fifth day of the month for payment or purchases done from the fifth of the previous month.

You can increase your credit card limit by writing to us or completing our Limit Increase/Decrease form and submitting at the branch. Please note that you can only qualify if:

Your Credit Card is active with at least one transaction in the last three months.

Repayment ratio over three months period should be ≥ 20%

Satisfactory bureau report.

If you think you have received an incorrect bill, send us an e-mail to feedback.ghana@sc.com, ghana.call-centre@sc.com or call our 24-hour Client Care Centre on our Toll-Free number 0800 740100 so we can review your account. You can also speak to staff in any of our branches.

You will receive your statement on your billing date once a month (as long as you have a balance more than GHS10.00).

You will receive the eStatement via your email address with the bank from GLOBAL.E-STATEMENT-MESA@SC.COM.

You will incur charges for any of these situations. These charges are explained in your credit card agreement.

We charge interest on cash transactions at a daily rate. We will still charge cash interest on a cash transaction from a previous month if your payments have not been enough to cover the amount of cash that you withdrew plus the interest and fee apportioned to it. You’ll also need to take into account any other transactions you have made i.e. purchases. There may also be interest due for the time between your last statement being produced and the date you made a payment.

Minimum amount due is the amount which you pay to avoid late payment fee. Remember, you will still be charged interest on the remaining unpaid amount. Just that late fee won’t be applied. Total amount due is the total money you owe.

Payment Due Dates: Payment is due on either 25^th/30^th/5^th/10^th/5^th or 20^th of each month depending on the billing cycle set up for client.

Chargeback is a way of getting your money back if things go wrong on your credit card purchases.

A grace period is the period of time you have to pay an amount due, without having to pay interest on the balance. The grace period runs from the due date + 2 days.

The Good Life (TGL) program is Standard Chartered’s privileges program that allows our credit and debit cardholders the enjoyment of best-in-class privileges at popular establishments.

Simply spend using our credit or debit cards at our participating partners. The list of participating partners can be found at www.sc.com/gh/credit-cards/the-good-life-privileges/. You can even download our TGL mobile application, available on both the App Store and Google Play to enjoy these offers

From time to time, we serve to bring you some of the best privileges from our participating partners which are limited to a fixed number of redemptions. These mobile coupons are found on our The Good Life mobile application.

You can only redeem mobile coupons with our The Good Life mobile application. Coupons that can be redeemed are filed under the Coupon tab.
Simply click on an available coupon and then click on “Redeem”.

To enhance the benefits our cardholders are getting, The Good Life program consists of cross border privileges which extend privileges from various countries to each and every cardholder regardless of the card issuing country. For example, if you hold a Standard Chartered card issued in Singapore, you would be able to enjoy The Good Life privileges in various countries like Hong Kong, Malaysia, and Thailand, etc.

On condition that the policy was active at the date of death of a life assured, the processing of a claim will start when we have received the following documents:

1. A completed claim form.
2. The original Document of Insurance.
3. Any valid national identification document that establishes the name and date of birth of the policyholder and/or claimant: Voters’ ID, Driver’s license, Passport, or NHIS card.
4. A death certificate or medical cause of death or a legal document that confirms the occurrence of the event for which the claim is being made.
5. A Police Report in the event of unnatural/accidental death.

A bond is a fixed income instrument that represents a loan made by an investor to a borrower (typically corporate or governmental). A bond could be thought of as an I.O.U. between the lender and borrower that includes the details of the loan and its payments.

Regular Income: Bond issuers are bound by the terms of the bond to pay out regular coupon income to the bondholders (subject to credit risk of the issuer)

Hedge against inflation: With proper bond selection, you may potentially earn an investment return which keeps pace with or even exceeds the inflation rate

Capital appreciation: Like all instruments traded in the secondary market, the price of a bond can appreciate (or depreciate) over and above (or below) the initial purchase price, and allow an investor to realise capital gains (or losses)

You must have access to the SC Mobile Banking App and have a valid Investment Profile. If you do not have an Investment Profile or your investment profile has expired, you may create one or update it through the SC Mobile app or through our Online Banking platform.

An Investment Profile is a tool that determines your overall appetite for investment risks. You should maintain an updated investment profile to invest via the Online Bonds and T-bills platform. You may create an Investment Profile through Online Banking and SC Mobile.

A suitability assessment is an evaluation of your risk appetite based on the information provided in your Investment Profile i.e. risk tolerance, investment objective, investment experience or knowledge, financial situation and financial needs. This information is used to determine whether the selected investment suits you.

You can place purchase and sales orders via the Online Bonds and T-bills platform. You can also check the status of your orders on the platform.

Execution-only is a trading service that is restricted to only the execution of trades, without the client receiving any sales personnel advice about the merits or risks of the investments or their suitability.

While you can place your orders via our Online Bonds and T-bills 24 hours a day, we will process all orders received before cut-off time (2:00 PM Greenwich Mean Time) on the same day, otherwise your order shall be processed on the next business day.

Your account will be debited within 3 business days of your submission of the order. Please keep your account sufficiently funded to ensure your request is completed. Kindly review order status to ensure your order is placed successfully.

In case your order is rejected, you will be contacted by either your relationship manager or a representative.

Minimum amount to subscribe for a treasure bill or Local Bond is GHS1,000.00.

Maximum amount to subscribe for a treasure bill or Local Bond is GHS500,000.00.

Proceeds from a sale will normally be released within 3 business days after sale of the investment.

You can use your Current or Savings account for the purposes of investing in Bonds or T-bills.

Once you submit an order via the Online Bonds and T-bills platform, your order(s) cannot be amended. You may however cancel your order by calling our Client Care Centre on +233-302-633398/+233-242-436387 during working hours 8:30am to 5:00pm, weekends and holidays excluded or visit the nearest branch before your order is placed with the fund house. Any cancellation request received after order is executed in the market will have to follow the redemption procedure. You can reach out to your relationship manager or branch manager for guidance on this.

This is calculated based on the current price of the bond and not the price at which the bond was purchased.

You can find orders not yet settled under Order Status for your tracking. Once we settle the orders, units will be allocated to your investment account; for redemption, proceeds will be credited to your current account.

All settled orders will be displayed under Transaction History.

1. Telephone: Call our Client Care Centre on +233-302-633398/+233-242-436387 during working hours 8:30am to 5:00pm, weekends and holidays excluded, where our team of agents are standing by to assist you.
2. Email us at feedback.ghana@sc.com
3. In person: Visit the nearest branch and our dedicated staff will receive and address your complaint or contact your Relationship Manager
4. Letter: You may mail a letter to:The Head,
   Client Experience,
   Standard Chartered Bank Ghana Limited
   Box 768, Accra