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Head, Person, Face

Open an account to earn HKD300 cash rewards

Sign up for Easy Banking via SC Mobile App and complete missions to earn HKD$300 cash rewards!
  • Apply Now Apply Now

    How to apply for Easy Banking? Just take you a few minutes through SC Mobile.

    *Only applicable to new Standard Chartered banking customers who do not hold any current or savings account with us. For existing customers, please visit the branch for account opening.

    Open an account simply by downloading SC Mobile through the QR code below or App Store/ Google Play to save your trip to the branch

    Mobile Account Opening QR Code

    App Store is a service mark of Apple Inc. Google play is a trademark of Google Inc.

    Click here to learn more about Mobile Account Opening

    Not applicable to:

    Cheque book service, products/services/applications that require handwritten signature are not applicable to account opened via SC Mobile App.

    For existing customers, please visit any of our branches for Salary BonusPack application.

    Get a ticket before arriving at our branch for counter services to save waiting time!

People, Person, Brunch

Get rewarded together! Refer your friends to open an account to enjoy HK$300 or 3,000 Miles

Refer a friend to sign up for Easy Banking via SC Mobile App or Branch to enjoy HK$300 or 3,000 Miles

Easy Banking Welcome Offer!

Open your Easy Banking account via SC Mobile App to enjoy exclusive welcome rewards¹!

New Client2 Welcome Offer

Existing Client Member-Get-Member Referral Program

Mobile Account Opening Offer

Open an account via SC Mobile App and complete the below missions to enjoy HK$300 rewards:

  • Depositing HKD10,000 or above into the newly-opened account before the designated date3
  • Maintain a Total Balance* of at least HKD10,000 until the designated date3

Member-Get-Member Referral Program

Register for the referral program via our online form now and invite your friends to sign up for Easy Banking via SC Mobile to enjoy HKD300 cash rewards or 3,000 Asia Miles.5

Join Easy Banking

A bundle of flexible solutions to help you bank and grow your wealth smartly

Bank and grow your wealth smartly with Easy Banking

Pay smartly, bank flexibly

SC Pay and Scan & Pay

Transfer and receive money from friends or pay merchants instantly

  • Transfer funds between local banks using mobile number or email address via Faster Payment System (FPS)7
  • Scan the FPS QR code via SC Mobile to pay merchants or bills

QR Cash8

Experience cardless cash withdrawal with your mobile

  • Scan QR Code at any Standard Chartered or designated Jetco ATMs to withdraw cash via SC Mobile

Push Notification Free Alert9

Receive timely alerts on your banking activities of your personal account

  • Get instant push notifications from SC Mobile to stay on top of your bank account and credit card activities

Overdraft Protection10

Enjoy peace of mind with overdraft protection

  • Available on HKD current accounts to avoid rejected autopay transactions and bounced cheques

Grow your wealth smartly

Investment Funds

Foreign Exchange

Securities Services

General Insurance

Time Deposit

Life Insurance

No idea how to start investing? Let professional fund managers help, so you don’t have to start from scratch.

  • Fund Select – reference shortlisted around 70 quality funds each month to save time
  • Clients like you may also invest in… – check out popular fund choices in the past month of other investors alike yourself for inspirations
  • Low entry barrier – start investing with a little as HKD1,000
  • New Investment Fund Clients: Enjoy 0% subscription fee for online trades during the promotion period11
Hk investment invest funds

Too busy to monitor the market? The SC Mobile FX platform has handy functions, so you won’t miss opportunities.

  • Pre-set your target exchange rate 24/7 – convert funds automatically when the target rate is reached
  • New FX Platform Clients: Enjoy HKD100 reward with a total accumulated transaction amount of HKD10,000 or equivalent. Upgrade to the respective membership tiers for exclusive rewards12
  • Member-Get-Member referral program: From now till 30 June 2022, you can receive a HKD200 cash reward by successfully referring a Green Member who has conducted a single FX transaction of HKD4,000 equivalent or above with Promo Code during the promotional period. You can enjoy up to HKD4,000 cash rewards in total (i.e. up to 20 referrals). Referee can enjoy extra preferential FX rates at the same time.
Hk investment foreign exchange

Want to capture investment opportunities from different markets? Invest from a single account via the all-in-one online securities trading platform.

  • Invest in Hong Kong, Mainland China and U.S. securities markets
  • Select stock from market, sector to company based on real-time and comprehensive market data provided by Refinitiv
  • Receive free unlimited real-time stock quotes
  • Offer: Enjoy $0 trade lodgement fee, custodial fee and account maintenance fee13

Don’t want misfortune to cost you a fortune? Manage and protect your hard-earned money for peace of mind.

  • Safeguard yourself and your family with protection for your health, income, travel, your home valuables, and other unforeseen accidents
  • Experience a faster, easier way to apply for different products, review your portfolio, submit and monitor claim requests via Online Banking and SC Mobile
Phone screens showing insurance plans

Worried about risks and hesitant to invest? Make your money work harder for you with interest returns.

  • Set up a Time Deposit via SC Mobile or Online Banking with as low as HKD10,000
  • A choice of 10 major currencies for your selection: HKD, USD, RMB, AUD, NZD, CAD, GBP, EUR, CHF, JPY
  • A range of available tenors: from 1 to 12 months
A lady checking her phone and ipad.

Enhance your protection with tax deduction solutions

  • To cope with the uncertainties in the future, you need comprehensive financial planning and protection.
3 pairs of hands holding a heart with care, implying financial protection for family

Spend smartly, earn easily

Smart Card

Spend smartly on your everyday spending and be rewarded

  • Split your credit card bills over 3 months at 0% interest and no handling fee
  • Earn 5% CashBack at designated everyday merchants every day
  • No annual fee, no foreign exchange fees, no cash advance fees

Split your Credit Card Bills

Repay by easy instalments for more financial flexibility

  • Avoid heavy interest expenses due to late payment or minimum credit card payment
  • Flexible repayment tenor up to 60 months
  • It takes 5 minutes to apply online in a few easy steps

FPS payments by Credit Card

Make use of available funds to pay for big spending items

  • Pay for expenses that cannot usually be settled by credit card, such as rent, insurance, tuition fee etc

Get support smartly

Electronics, Mobile Phone, Phone

SC MOBILE APP

Manage your finances on the go

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.. Android, Google Play, and the Google Play logo are the registered trademarks of Google Inc.

Smile, Person, Happy
Join Easy Banking to enjoy the exceptional privileges
• Fabulous account opening rewards

• ATM daily cash withdrawal limit: HKD 20,000

• ATM daily electronic payment limit: HKD 50,00014

• No minimum relationship balance requirement
  • Apply Today Apply Today

    How to apply for Easy Banking? Just take you a few minutes through SC Mobile.

    *Only applicable to new Standard Chartered banking customers who do not hold any current or savings account with us. For existing customers, please visit the branch for account opening.

    Open an account simply by downloading SC Mobile through the QR code below or App Store/ Google Play to save your trip to the branch

    Mobile Account Opening QR Code

    App Store is a service mark of Apple Inc. Google play is a trademark of Google Inc.

    Click here to learn more about Mobile Account Opening

    Not applicable to:

    Cheque book service, products/services/applications that require handwritten signature are not applicable to account opened via SC Mobile App.

    For existing customers, please visit any of our branches for Salary BonusPack application.

    Get a ticket before arriving at our branch for counter services to save waiting time!

1. Promotion offer is applicable to clients who meets all reward criteria stated under the relevant promotion terms and conditions from 1 January to 31 March 2024 (inclusive).

2. New Easy Banking client refers to those who are did NOT, in the past 12 months from the date of the current sign up for Easy Banking, hold any product or service with or distributed by Standard Chartered Bank (Hong Kong) Limited (“Bank”), investment services and insurance products underwritten by the third party insurer, and Standard Chartered Credit Cards. “Standard Chartered Credit Cards” refer to Standard Chartered Credit Card, Standard Chartered Co-branded Card, MANHATTAN Credit Card and MANHATTAN Co-branded Card issued by the Bank, including supplementary cards, Standard Chartered Business Card and Standard Chartered Corporate Card.

3. Designated date is determined by the account opening date. For details, please click here to refer to the promotion terms and conditions for Account Opening Reward for new Easy Banking clients.

4. Including HKD, USD, RMB, AUD, CAD, CHF, EUR, GBP, JPY, NZD, and SGD.

5. Including Australia, Canada, Euro Region Countries, Singapore, UK, and US. For details, please click here to learn more.

6. Please click here for Terms and Conditions of FX Membership Program and Member-Get-Member Referral Program.

7. SC Pay (FPS) and Scan & Pay are only applicable to payees who have registered for FPS service.

8. Subject to the relevant Terms and Conditions, the maximum daily cardless withdrawal limit via QR Cash is HKD10,000 (or its equivalent in other currencies) unless the daily ATM withdrawal limit set by the client or the available credit limit of the client as determined by Standard Chartered Bank (Hong Kong) Limited (the “Bank“) is lower than that, in which case the lower limit shall apply.

9. If clients have subscribed for “SMS Alerts” at Online Banking, clients may enable push notification in SC Mobile App so that the banking alerts that may originally be sent by SMS will be sent to clients via the Notification Hub in SC Mobile App. Those banking alerts include alerts in relation to bill payment, cash withdrawal, fund transfer, account purchase, cheque return of banking account(s) and credit card payment due date reminder.

10. The service is applicable to clients with no other prearranged overdraft facility set up with any HKD Current Accounts. It applies to clearing cheques and autopay arrangement with the protection limit up to 95% of HKD deposits and 80% of foreign currency deposits excluding Renminbi deposits or the accumulated overdraft amount not exceeding HKD40,000, whichever is lower. HKD deposits include HKD savings, current, time deposits and deposits in the MoneyBuilder Savings Plan Account. Foreign currency deposits include savings and time deposits in AUD, CAD, CHF, EUR, GBP, JPY, NZD, USD currencies, and USD current account deposits. The service is not applicable to all staff of the Bank or any persons who have relationship with directors/controllers/employees with lending authority. The handling fee of Current Account Overdraft Protection is HKD120 per item for Easy Banking Clients.

11. For Online Unit Trusts 0% Subscription Fee Offer details, please refer to the Bank’s website sc.com/hk/investment/investment-fund-services/ and the terms and conditions of the reward set out on the website.

12. For Online Foreign Exchange Promotion details, please refer to the Bank’s website sc.com/hk/fx and the terms and conditions of the reward set out on the website.

13. The waiver on account maintenance fee will be valid until further notice. The complete list of charges can be found in Service Charges Booklet, charges may be subject to change.

14. This limit applies to transactions completed through EPS, UnionPay or Maestro Point–Of–Sale terminals. In the event that the ATM card is used to perform any PPS transactions and tax payments via an ATM, this limit will be automatically increased to HKD 100,000.

Important Note:

• The above General Insurance plans are underwritten by Allianz Global Corporate & Specialty SE (incorporated in the Federal Republic of Germany with limited liabilities) Hong Kong Branch (“Allianz”) which is a general insurer authorized and regulated by the Insurance Authority of Hong Kong. The Bank is an insurance agent appointed by Allianz. To the extent permissible by law, the Bank shall not be liable to any person for the use of any of the above information.

• All General Insurance plans offered by Allianz are only available for subscription by residents of Hong Kong, subject to the relevant Terms and Conditions. For details, please refer to the Bank’s website sc.com/hk/insurance/general-insurance/.

• Investment Fund is an investment product and some Investment Funds would involve derivatives. The investment decision is yours, but you should not invest in Investment Fund unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.

Important Notes of Online Securities Trading and SC Equities:

• The Bank will not be liable for any loss or damage to you as a result of making the Online Securities Trading Services available to you, unless the loss or damage is directly caused by our negligence or our wilful default.

• For more details and the risks involved, please refer to the Securities Services Terms and Conditions or contact our branch staff.

Important Notes for Qualifying Deferred Annuity Plan and Voluntary Health Insurance Scheme Series:

• You can always choose to take out the above-mentioned plan(s) as a standalone plan without enrolling with other type(s) of insurance product at the same time, unless such plan(s) is/are only available as a supplementary benefit which needs to be attached to a basic plan.

• The life insurance plans are life insurance products and are not bank deposit. They are underwritten by Prudential Hong Kong Limited (A member of Prudential plc group) (“Prudential”). Some of these plans may have a savings element and are not an alternative to ordinary savings or time deposits. Part of the premium pays for the insurance and related costs.

• If you are not happy with your policy, you have a right to cancel it within the cooling-off period and obtain a refund of any premiums and levy(ies) paid, less any withdrawals (if applicable), provided that no claim has been made under the policy. A written notice signed by you should be received directly by the Prudential’s Hong Kong Office at 8/F Prudential Tower, The Gateway Harbour City, 21 Canton Road, Tsim Sha Tsui, Kowloon, Hong Kong within the cooling-off period (that is, within 21 days for face-to-face distribution (including webpage and mobile app) or 30 days for non-face-to-face distribution, after the delivery of the policy or issue of a notice (informing you or your representative about the availability of the policy and expiry date of the cooling-off period), whichever is the earlier). After the expiration of the cooling-off period, if you cancel the policy before the end of the term, the projected total cash value (if applicable) may be less than the total premium you have paid. You should check with Prudential if you have any doubt regarding your cooling-off right.

• Standard Chartered Bank (Hong Kong) Limited (“Standard Chartered”) is an insurance agent of Prudential.

• As the issuer of the life insurance plans, Prudential will be responsible for all protection and claims issues. Prudential is not an associate or subsidiary company of Standard Chartered. The material and information contained on this webpage should be read in conjunction with the relevant product brochure and for the risk discloure, please refer to the product brochure. Standard Chartered does not accept any responsibilities regarding any statements provided by Prudential or any discrepancies or omissions in the contract of insurance nor shall Standard Chartered be held liable in any manner whatsoever in relation to your contract of insurance.

• This webpage is intended to be valid in Hong Kong only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. Prudential and Standard Chartered do not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions. This webpage does not constitute a contract of insurance or an offer, invitations or recommendation to any person to enter into any contract of insurance or any transaction described therein or any similar transaction.

• Whether to apply for insurance coverage is your own individual decision. During the sales process, this document should be read in conjunction with the relevant product brochure. For full terms and conditions, and risk disclosures of the relevant insurance plan, please refer to relevant product brochure and policy document and read carefully.

• Please note that the tax law, regulations or interpretations are subject to change and may affect related tax benefits including the eligibility criteria for tax deduction. We do not take any responsibility to inform you about any changes in the laws and regulations or interpretations, and how they may affect you. Policyholders must meet all the eligibility requirements set out under the Inland Revenue Ordinance and any guidance issued by the Inland Revenue Department of the Hong Kong Special Administrative Region before they can claim the relevant tax relief. All of the above general tax information provided is for reference only. You should always consult with a professional tax advisor if you have any doubts. For further information on tax concessions applicable to PRURetirement Deferred Annuity Plan / VHIS plans, please refer to www.ia.org.hk/en or www.vhis.gov.hk/en/.

• In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Standard Chartered and the client out of the selling process or processing of the related transaction, Standard Chartered is required to enter into a Financial Dispute Resolution Scheme process with the client; however any dispute over the contractual terms of the product should be resolved directly between Prudential and the client.

Important Note for Customer Investment Profile

• Having a Customer Investment Profile will be a prerequisite for investors and for us to assess suitability of all investment subscriptions/switch-in transactions#. Therefore, please remember to complete the questionnaire before investing to avoid any inconvenience.

• “Customer Investment Profile” is valid for two (2) years from the last updated date. Client should complete a new questionnaire regularly, and whenever there is any change in circumstances that may impact on her/ his risk appetite.
# excluding securities trading.

Risk Disclosure Statement

• Investment involves risks. The prices of investment products fluctuate, sometimes dramatically and the worst case may result in loss of your entire investment amount. Past performance is no guide to its future performance.

• Investors should read the terms and conditions contained in the relevant offering documents and in particular the investment policies and the risk factors and latest financial results information carefully and are advised to seek independent professional advice before making any investment decision.

• Investors should consider their own investment objectives, investment experience, financial situation and risk tolerance level.

Foreign Exchange Risk Disclosure Statement:

• Foreign exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or significant losses in the event that the customer converts deposit from the foreign currency to another currency (including Hong Kong Dollar).

Risk Disclosure Statement for RMB Deposit Services:

• Renminbi (“RMB”) exchange rate, like any other currency, is affected by a wide range of factors and is subject to fluctuations. Such fluctuations may result in gains and losses in the event that the customer subsequently converts RMB to another currency (including Hong Kong dollars); and

• RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to restrictions specified by the Bank and regulatory requirements applicable from time to time. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.

Risk Disclosure Statement for Investment Fund Services:

• Investment involves risks. The prices of units/ shares of unit trusts or mutual funds fluctuate, sometimes dramatically and the worst case may result in loss of your entire investment amount. It is as likely that losses will be incurred rather than profit made as a result of buying and selling unit trusts or mutual funds. Past performance of any Investment Fund is no guide to its future performance.

• Investors should carefully read the relevant offering documents and in particular the Terms & Conditions contained therein, the investment policies and the risk factors and latest financial results information. It is desirable that the Investor seeks independent financial advice with respect to any investment decision.

• Investors should ensure they fully understand the risks associated with unit trusts or mutual funds and should also consider their own investment objective, investment experience, financial situation and risk tolerance level before making any investment decision.

Risk Disclosure Statement for Securities Services:

• Investment involves risks. The prices of securities fluctuate, sometimes dramatically and the worst case may result in loss of your entire investment amount.

• Past performance of any securities is no guide to its future performance. Investors should consider their own investment objectives, investment experience, financial situation, risk tolerance level and carefully read the Terms & Conditions of relevant Securities Services before making any investment decision.

• This webpage does not constitute any prediction of likely future price movements.

• Investors should not make investment decisions based on this webpage alone.

• This webpage has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.

For details of Account Opening Reward for new Easy Banking Clients, please refer to here.
Standard Chartered Credit Card Welcome Offer is subject to the relevant Terms and Conditions. For details of prevailing welcome offers, please refer to the “Important Information and Terms and Conditions for Application of Standard Chartered Credit Card” leaflet or contact any of the Bank’s staff.
For Online Unit Trusts 0% Subscription Fee Offer details, please refer to the Bank’s website sc.com/hk/investment/investment-fund-services/ and the terms and conditions of the reward set out on the website.
For Online Foreign Exchange Promotion details, please refer to the Bank’s website sc.com/hk/fx and the Terms and Conditions of the reward set out on the website.

To borrow or not to borrow? Borrow only if you can repay!