This is to inform that by clicking on the hyperlink, you will be
leaving
sc.com/sg
and entering a website operated by other parties.
Such links are only provided on our website for the convenience of
the Client and Standard Chartered Bank does not control or endorse
such websites, and is not responsible for their contents.
The use of such website is also subject to the terms of use and
other terms and guidelines, if any, contained within each such
website. In the event that any of the terms contained herein
conflict with the terms of use or other terms and guidelines
contained within any such website, then the terms of use and other
terms and guidelines for such website shall prevail.
Important Notice: FAST Transfers will not be available on 20 Feb 2016 from 2am to 3am and 5am to 6am. Online Banking, Breeze Mobile and Dash Banking will not be available on 21 Feb 2016 from 12am to 7am due to system maintenance.
A simple, hassle-free 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 internationally
Enhanced eStatements with email alerts
Instant opening of SGD or FCY current and time deposit account online
Update your personal particulars in just a few clicks
Enhanced experience with:
intuitive navigation shortcuts
personalized account options
simpler and faster transaction flow
customizable username and password
Consolidated online payment and transfer history
Instant Internet PIN application/ activation
Greater security with 2FA via SMS and Tokens
Are the services available 24-hours?
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 at 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.
Application For the Service
Who can apply for this service?
Individuals: To use this service, you must have at least a transactional, investment, card or loan account with Standard Chartered Bank (Singapore) Limited.
Companies: you must have at 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 at 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 at 1800 747 7000 for instant update.
First Time Login (New Customers)
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 at 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 registration
PIN Mailer directly mailed to customer - 3 to 5 day
Is there an expiry date for the Temporary Password?
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.
Login For Existing Customers
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 at 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 at 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 at 1800 747 7000 or by visiting any of our branches.
Account Information and Services
Can I see a summary of my accounts?
Yes. You can see a summary of your accounts at 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 Account
Foreign Currency Deposit Account
Investment Account
Loan Account
Overdraft Account
Credit Card Account
How far back can I view my transaction history?
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 download 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?
Services
Availability
Account 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
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$aver
Priority Banking
New Cheque Book Request*
Credit Card
Credit Card Application
Supplementary Credit Card Application
Card Permanent Limit Increase
Card Bill Dispute
Loans
Housing Loan
HDB EasyLoan Indicative Valuation Service
Housing Loan Service Request
Personal Loan
Insurance
General & Life Insurance
Travel Protector
Transfer*
Interbank GIRO Request
Remittance Request
SME (For SME customers only)
Other services
Fax and courier services
Credit application
Change Company address
Personal*
Change of Personal Particulars
24 hours a day, 7 days a week
Rates Enquiry
E$aver Deposit Rate
Time Deposit Rate*
Savings Deposit Rate*
Cheque & Save Deposit Rates
OneAccount Deposit Rate
XtraSaver Deposit Rate
Foreign Exchange Rate
Lending Rate
24 hours a day, 7 days a week
Funds Transfer
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 Transfer
Post dated (one-time transactions at a specified future date) and
Scheduled transfer (recurring transactions at a specified day of the month)
Can I maintain my Post-dated or Scheduled funds transfer instructions?
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.
Bill Payments
What is Bill Payment?
Bill payment is a free 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 at 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 at the 'Payments/Transfers History'.
How long will it take for the billing organization to receive the bill payment?
Please allow at 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.
International Funds Transfer
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 at any time of the day and any where across borders
Save the hassle of queuing at the branch
Enjoy lower fees and charges when you perform international funds transfers online
Do I have to pay for using this facility? Is there extra charge for this facility?
The fees and charges are as follow:
Non-Online
Handling commission - 1/8% min SGD30/USD20; max SGD100/USD70
Commission in lieu - 1/8% min USD10; max USD100
Cover cable - SGD20/USD15
Overseas bank charges - SGD50 equivalent
Online
Handling commission - 1/16% min SGD15/USD10; max SGD50/USD35
Commission in lieu - 1/16% min USD5; max USD100
Cover cable - SGD20/USD15
Overseas bank charges - SGD50 equivalent
Is the foreign exchange rate displayed online the actual rate applied for the International Funds Transfer?
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 at 1800 747 7000 for assistance.
eCashier's Order
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 at a branch.
Do I have to pay for using this facility?
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 at 1800 747 7000 for assistance.
Credit Card Services
What are the card services available online?
Cards Balance enquiry
Cards Details
Cards Transaction History
Cards Payment
Cards Applications
How do I view my credit card statement?
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 download 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 at least 1 working day to reflect the updated outstanding balance and transaction history on Online Banking.
Loans Services
What are the loan services available online?
Loans Balance enquiry
Loans Details enquiry
Loans Payment - Available in May 08
Loans Applications
Can I view my Loans statements?
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.
Personalization
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 preferences
Lower daily transfer limit for 3rd party fund transfer and bill payments.
Adjust the language setting accordingly to your preference
Sort 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.
Rates Enquiry
What types of rates can I view through Internet Banking?
ESaver Deposit rate
Time Deposit rate
Saving Deposit rate
Cheque and Save Deposit rate
OneAccount Deposit rate
Xtrasaver Deposit rate
Foreign Exchange Deposit rate
Lending rate
Applications
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 Customer
SME Customer
Housing 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
Hardware and Software (System Requirements)
What hardware and software do I need for using this service?
Minimum Hardware Requirement
Minimum Software Requirement
PC 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 at the following public websites:
What display setting should I use for this service?
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.
Security
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 at a later time. This mechanism allows the server to store its own information about a user on the user's own computer. We do not use cookies for this service.
What precautions should I take for this online 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.
Call us at 1800 747 7000 immediately if you notice any unusual transactions on your account.
How to safeguard and protect your Password?
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 at 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'.
What precautions should I take when using shared/public PCs for this service?
We strongly recommend you not to conduct your Internet Banking transactions on such PCs unless you are sure that it is safe to do so. Please clear browser cache after each session so that your account information is removed from such PCs.
What 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 at 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 at the Personal/ Company Homepage, each time you log in to the service.
Troubleshooting
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 at 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 at your PC. You have to restart your browser usually. Sometimes you may need to restart your PC. If the problem persists, please consult your PC vendor.
What should I do if I do not get a response after clicking on a hyperlink or icon?
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 at 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
Standard Chartered Mobile
See
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.
How far back can I see my transaction history in See?
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.
Why some of the transactions I made using Online Banking/Standard Chartered Mobile are not in See?
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.
Move
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.
General
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/laptop computer at 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.
eStatements and eAdvices
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.
Alerts
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 at 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 event of fraudulent transactions.
How can I subscribe to the Banking Alerts service?
When cheque is returned (Inclearing or Outclearing)
When account is overdrawn
When fund transfers are made between your own accounts
Local or Overseas ATM Cash Withdrawal
Local or Overseas POS Transaction
Credit Card Related Alerts:
When credit card payment due in 5 days' time
When credit card payment is past due
Card Activation/ Replacement
Local or Overseas POS Transaction
Local or Overseas Cash Withdrawal
When Internet/Mobile Transaction is made
When credit card statements are ready
Is the Banking Alerts service available to all Standard Chartered customers?
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 at 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 free. 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.
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' folder as they may contain sensitive account related information.
Online Trading
General
The Online Trading platform will be upgraded with a new user interface and additional features in March 2023. With the upcoming platform enhancements, what are some things to take note?
Your Watchlist(s) and Price Alert(s) will not be ported over to the new interface. You will need to create them again on the new platform.
Your complete Trade History will continue to be available on the new platform, and any Order History from 1 Aug 2022 onwards may be viewed up to a calendar month each time.
You will be required to update your SC Online Trading Mobile and/or Tablet App(s) via the Apple App Store or Google Play Store to the latest version, as the previous version will no longer be supported. For iOS users accessing the platform via iPad, please uninstall your existing SC Mobile Trading (for Tablet) App and download the SC Mobile Trading App from Apple App Store to continue using the platform.
Can I adjust the transaction price of a non-trade transaction (e.g. stock transfers, corporate action events such as stock splits and reverse stock splits)?
You may adjust prices on non-trade transactions (e.g. stock transfers, corporate action events such as stock splits and reverse stock splits) which impact your Average Price calculations. To do so;
Access SC Online Trading via Online Banking on a web browser
In the ‘Portfolio' page, click on blue dotted icon at the right corner of the corresponding security and click on ‘Historical Transactions’
All non-trade transactions are marked as 'CR' or 'DR' in the 'Action' column, you may update the corresponding 'Price' fields of these entries
Click 'Save'
What are the different fees associated with online trading?
Please refer to the Pricing Guide on the fees associated with online trading. Do note that fees differ when trading via offline channels.
How do I apply for an Online Trading Account?
Channel
Applicability
Steps
Online Banking
· You are an existing Standard Chartered Current/Checking/Savings Account Holder
· You have Online Banking access
· You do not have an existing Online Trading account
· You would like to apply for a single mandate Online Trading account
1) Access sc.com/sg
2) Log in to Online Banking
3) Mouse over ‘MENU’ in the top banner
4) Click on ‘Online Trading’ in the ‘Invest’ section
5) Click on ‘Apply Now’
6) Complete and submit the application form
7) If you would like to trade securities listed on US exchanges, please complete the W-8BEN form and submit it at any of our branches
SC Mobile app
· You are an existing Standard Chartered Current/Checking/Savings Account Holder
· You have Online Banking access
· You have downloaded the SC Mobile app
· You would like to apply for a single mandate Online Trading account
1) Log in to SC Mobile
2) Click on the menu icon located at the top left corner of the screen
3) Tap on ‘Investing’
4) Tap on ‘Apply Online Trading’
5) Complete and submit the application form
6) If you would like to trade securities listed on US exchanges, please complete the W-8BEN form and submit it at any of our branches
MyInfo Portal
· You are not an existing Standard Chartered Current/Checking/Savings Account holder
· You would like to apply for a single mandate Online Trading account and a Standard Chartered e$aver Savings Account
· W-8BEN Form – applicable if you want to trade securities listed on US exchanges
You may also obtain these forms at any of our branches.
2) Complete and submit the forms above at any of our branches.
Note that you are required to have a Current/Checking/Savings account to apply for an Online Trading account. Visit https://www.sc.com/sg/save/ for more information.
After my application for the Online Trading Account, how long will it take for my account to be activated for trading?
Your Online Trading account application, including the submission of the W-8BEN form required for US market trading access, may take up to 14 business days to process.
How would I know if my Online Trading account has been opened successfully?
The primary account holder to the Online Trading account will be notified upon successful opening of the Online Trading account via an email sent to the email address registered with the Bank.
What are some restrictions applied to my application for an Online Trading account?
Restrictions applied to your application for an Online Trading account include, but are not limited to, the following:
You are younger than 21 years of age at the point of application.
You reside in a country of the European Economic Area (“EEA”). This restriction will extend to residents of the United Kingdom.
You are a U.S. Resident, U.S. Citizen, or a U.S. Permanent Resident Card holder.
You have an Australian/New Zealand residential address, mailing address or contact number.
Will I be given a separate Online Trading User ID and password?
Login to your Online Trading account with the same credentials you use for Online Banking.
How many Online Trading accounts am I allowed to open?
You may only open one Online Trading account of a similar operating mandate (i.e. single or joint mandate).
How will I be able to view my holdings?
You may view your holdings on the Online Trading platform.
How do I access the Online Trading platform?
If you have Online Banking access and you have an Online Trading account with us, you may access the Online Trading platform via Online Banking on a web browser, via the SC Mobile Banking App, or via the SC Mobile Trading App.
Access Online Trading via Online Banking on a web browser:
Access sc.com/sg
Log in to Online Banking
Mouse over ‘MENU’ in the top banner
Click on ‘Online Trading’ in the ‘Invest’ section
Access Online Trading via the SC Trading mobile app
Download the SC Trading mobile app via the Apple App Store and/or the Google Play Store. Search for “SC Mobile Trading” on your tablet or smart phone and locate the app “SC Mobile Trading”.
Upon installation of the SC Trading app, you may open the app on your device, and log in via your Online Banking Username and Password.
Access Online Trading via the SC Mobile Trading App:
Log in to your SC Mobile Trading App using your Online Banking login credentials.
Enter the 6-digit OTP sent to your registered mobile number with the Bank.
Securities eDocuments
What are Securities eDocuments?
Securities eDocuments are electronic versions of Online Trading related statements and advices, which are made accessible via our Standard Chartered Online Banking platform.
What types of Securities eDocuments will I be able to access?
Monthly Statement of Securities Account: monthly statement that captures the stock holdings in your Online Trading account as of the statement issue date, as well as the stock movement in your Online Trading account in the past month
Securities Contract Note: contract note documenting the buy / sell transactions details, issued within one business day following a buy / sell transaction on your Online Trading account
Receipt Withdrawal Confirmation: advice documenting the deposit / withdrawal of shares, issued within one business day following a stock deposit into / withdrawal from, your Online Trading account
Corporate Action Advice: contract note documenting the details of a transaction related to a corporate action, processed on your Online Trading account, issued within one business day following the final settlement of the corporate action transaction
Do I need to subscribe to the Securities eDocuments service?
If you have subscribed to Online Banking, you would have automatically been subscribed to the Securities eDocuments service, and you will receive an email on your registered email address with the Bank, as and when new Securities eDocuments are made available online for your viewing.
If you have subscribed to Online Banking, and if you have given the Bank instructions to unsubscribe yourself from this service, your Securities eDocuments will still be available on Online Banking for your viewing. You will, however, not receive an email notifying you as and when new Securities eDocuments are made available online for your viewing. You will, however, receive Online Trading related paper statements and advices at your registered mailing address with the Bank.
If you have not subscribed to Online Banking, you will receive Online Trading related paper statements and advices at your registered mailing address with the Bank.
Note that only primary account holders to Online Trading accounts will receive statements and advices related to the Online Trading accounts.
How do I subscribe / unsubscribe to the Securities eDocuments service?
Visit sc.com/sg
Login to Online Banking
Click on ‘eStatements/eAdvices’
Scroll to the bottom of the page and click on ‘NEXT’ corresponding to ‘View or Download Securities eDocuments’
Click on ‘Subscriptions’
Change your subscription and click on ‘CONTINUE’
How do I access my Securities eDocuments?
If you are a primary account holder to an Online Trading account, you may access your Securities eDocuments via Online Banking.
Visit sc.com/sg
Login to Online Banking
Click on ‘eStatements/eAdvices’
Scroll to the bottom of the page and click on ‘NEXT’ corresponding to ‘View or Download Securities eDocuments’
For how long back can I access my Securities eDocuments on Online Banking?
You can access the Securities Documents issued to you from 19 July 2021 to date on Online Banking. You can also access the Securities Documents issued to you from 1 January 2021 to 18 July 2021 on Online Banking if you had subscribed to Securities eDocuments in the period 1 January 2021 to 18 July 2021.
How can I request for a copy of a Securities Document issued before 1 January 2021?
On a case-by-case basis, we can assist to mail a copy of the Securities Document to your registered mailing address. We are currently unable to send these via e-mail. If you require assistance, you may call our Online Trading Hotline at 1800 242 5333 (local) or +65 6242 5333 (from overseas).
How often will I receive a statement showing the Securities held by the Bank as custodian?
Statements of Securities Account will be sent to the primary account holders to the Online Trading account where:
There are stock holdings in the Online Trading account;
There is activity on the Online Trading account during the month e.g. buy/sell transactions, stock withdrawals and deposits, corporate action related movement
Customer Account Review (CAR) and Risk Warning Statement (RWS)
What is the background of the Customer Account Review (CAR)?
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 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.m
What are listed Specified Investment Products?
The list of capital markets products which are Excluded Investment Products (EIPs) 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 SIPs. Examples of listed SIPs include exchange traded funds, securities with embedded derivatives, and foreign-listed stocks. Financial intermediaries who can 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) as listed SIPs.
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 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, securities with embedded derivatives, and listed equities traded on an exchange outside Singapore.
Do note that for Joint Accounts, ALL account holders are required to have completed the CAR and assessed to have the necessary relevant knowledge or experience, to purchase listed Specified Investment Products using their Joint Accounts.
What happens if I fail the Customer Account Review (CAR)?
If you are assessed not to possess the relevant investment knowledge and experience to trade listed Specified Investment Products, you will not be able to purchase listed Specified Investment Products.
You may continue to trade Singapore-listed Excluded Investment Products and sell existing listed Specified Investment Product holdings through our Online Trading platform.
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, securities with embedded derivatives or listed equities traded on an exchange outside Singapore) remains relevant.
How can I access the CAR?
Please follow the steps below to access the online CAR Declaration form on the Online Trading platform (accessed via Standard Chartered Online Banking on a web browser)
Login to Standard Chartered Online Banking
Click on “Menu” and select “Online Trading” under the Invest Section on the menu located at the top of the page
Click on the ‘Settings’ icon on the top right of the page
Click on ‘CAR Declaration Form’
Upon completion of the online CAR declaration form, you will be informed of whether you had passed or failed the CAR. 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.
How can I check my Customer Account Review (CAR) status?
Login to Standard Chartered Online Banking
Click on “Menu” and select “Online Trading” under the Invest Section on the menu located at the top of the page
Click on the ‘Settings’ icon on the top right of the page
Click on “Account Settings”
Under “Account Management”, your CAR status will be shown, along with your CAR expiry date (where applicable)
What is the Risk Warning Statement (RWS) which I must 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: http://www.mas.gov.sg/news-and-publications/media-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 of 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.
Securities Settlement Account
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 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.
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. 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.
Trading
What markets do you offer and what are their trading hours?
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:
Market
Exchanges
Trading Hours (SGT)
Australia
Australian SE (ASX)
Non-Daylight Saving: 08:00-14:00
Daylight Saving: 07:00 – 13:00
Japan
Tokyo SE (TSE)
08:00-14:00
Singapore
Singapore SE (SGX) 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 at Close session: 17:06 - 17:16
Hong Kong
Hong Kong SE (HKG)
09:30 - 16:00
France
NYSE EN Paris (PAR)
Non-Daylight Saving: 16:00 – 00:30
Daylight Saving: 15:00 – 23:30
Switzerland
SIX Swiss Exchange (SWX)
Non-Daylight Saving: 16:00 – 00:30
Daylight Saving: 15:00 – 23:30
Germany
Deutsche Boerse (XETR)
Non-Daylight Saving: 16:00 – 00:30
Daylight Saving: 15:00 – 23:30
UK
London Stock Exchange (LSE)
Non-Daylight Saving: 16:00 – 00:30
Daylight Saving: 15:00 – 23:30
Netherlands
NYSE EN Amsterdam (AMS)
Non-Daylight Saving: 16:00 – 00:30
Daylight Saving: 15:00 – 23:30
United States
NASDAQ (NMS) NASDAQ OTC (OTCB) New York Stock Exchange (NYS)
NYSE AMEX (ASE)
NYSE ARCA (ARCA)
BATS Global Markets (BATS)
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 Phase
Time 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 at Close
17:06 to 17:16
Effective 3 June 2019, SGX will be introducing a new “Trade at 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 at 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?
Time Range (SGT)
New Order Placement
Order Modification
Model Cancellation
Pre-open 08:30 - 08:59
Pre-open Non-cancel 08:59 - 09:00
X Order placements will be sent to market from 09:00 when market opens.
X* Order modification will be sent to market from 09:00 when market opens
X* All unmatched orders will flow into the regular trading session
Normal Trading 09:00 to 17.00
Pre-close 17.00 to 17.05
Pre-close non-cancel 17.05 to 17.06
X
X
X
Trading at Close 17:06 to 17:16
Only Limit orders at CAP#
Only at CAP
Close 17.16 onwards
Order placement will be sent to market pre-open the next trading day.
Order modification will be sent to market-open the next trading day.
Order cancellation will be sent to market pre-open the next trading day
*For orders that are filled during this period, modification/ cancellation will be rejected. # Clients must be subscribed to real-time SGX market data to receive CAP timely during Trading at 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 at any of our branches. Alternatively, you may speak to your Relationship Manager.
Am I able to get the latest news?
The latest market news is available after you access your trading account, under the ‘Market Info’ Tab.
What are the changes to the real-time market data or depth, and how can I access it?
SC Online Trading now offers clients the option of receiving a real-time price quote for a single counter on a request basis (‘Snapshot quotes’). This service differs from the previous quote service that offered continuous streaming and updating of real-time prices. Snapshot quotes are a low-cost alternative for clients to access real-time market data for specific counters and exchanges when placing orders.
You will receive 2 snapshot quotes for every SGD1 in brokerage fees paid – these quotes are valid indefinitely. You may toggle the ‘Real-time’ switch to enable real-time quotes and select the ‘Refresh’ icon to obtain an updated real-time quote. Each refresh and enabling of the ‘Real-time’ switch would incur a deduction of 1 quote. Your remaining balance of quotes are indicated in the ‘Unused Quote’ field. Please note that real-time market depth is only applicable for SGX, and access to real-time market depth incurs 5 quotes instead of the usual 1 quote per real-time quote.
Your reward points, used for the previous quote service, will now be converted into snapshot quotes at a 1-for-1 ratio.
You may reach the Online Trading Hotline at 1800 242 5333 (+65 6242 5333 if you are calling from overseas) to subscribe to additional quotes. Please note that separate charges may apply, and these charges will be debited from your Securities Settlement Account.
Which type of securities can I trade online?
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.
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.
What does LTV stand for?
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 at 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.
Note that the LTV value reflected in your portfolio on SC Online Trading are indicative figures that are periodically updated. The value here would not have any material impact on your lending position.
Please call our contact centre hotline at 1800 242 5333 (local) or +65 6242 5333 (from overseas)
Can I place an order outside trading hours?
Yes, you may 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 Types
Description
Day 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 at the then prevailing market price at the point of execution.
· All Market Buy Orders placed on Online Trading factor a 15% buffer from the last done price (based on your price feed subscription) in the Purchasing Power checks performed upon order placement, these include fees and other charges where applicable. Please note that post Purchasing Power checks, orders will be rejected should there be insufficient funds in your Settlement Account.
The settlement of trades will be based on the actual transacted price and will include fees and charges where applicable. In volatile markets, where the actual transacted price is beyond 15% from the last done price at the point of order placement, customers are reminded top up the shortfall amounts in your corresponding settlement account on/before settlement date.
Day limit buy orders
· Order is valid only for the current trading session during which a target (limit) execution price has been pre-set 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 pre-set 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 pre-set stop loss price trigger.
· Once triggered, a stop loss sell order effectively becomes a day limit sell order, with the sell limit price at the lowest selling price set by you.
· Should you place a separate sell limit / market order, please note that your holdings will be blocked accordingly and could have an impact on your Stop Loss order.
Good Till Date orders
· This allows you to set the period of time where your order will be valid for execution in the market.
Morning At-Auction Limit Order
· An at-auction limit order is an order with a specified price that will be matched in price and time priority at the final Indicative Equilibrium Price* (IEP).
· If an IEP cannot be determined during the Closing Auction Session, the Reference Price will serve as the price for matching.
· Any outstanding at-auction limit orders at the end of the Pre-opening Session will be carried forward to the Continuous Trading Session and treated as limit orders provided that the specified price of that at-auction limit order does not deviate 9 times or more from the nominal price.
*Price at which the maximum number of shares can be traded if matching occurs, determined by the Hong Kong SE.
*With effect from 28th May 2024, if you have any unsettled US market sell orders, placement/amendments/cancellation of USD orders will not be possible from 12-1pm SGT. We apologise for any inconvenience and recommend submitting any order changes after 1pm SGT.
What is “Limit Price”?
For a "Sell" order, the "Limit price" is the lowest price that you are prepared to sell your securities. For a "Buy" order, the "Limit price" the highest price you are prepared to buy the securities.
What is “Stop Loss Limit Price”?
This is the trigger 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 pre-set 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 at 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 date
If 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 at 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 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 at any point during the validity of GTD order;
the share balance is insufficient for your GTD sell order at 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
at 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 event 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.
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 event there are no available balance of the shares.
Will my orders be sent to the Bank instantly once I have keyed my orders into the system?
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” tab on the Online Trading Platform.
Why did my limit order not get executed even though the limit price matches live price?
1. Available Bid/Ask orders in the exchange does not match your limit price.
Last done price in the market was executed within your limit price but potentially it was the last Bid/Ask trade order within your limit price. There are no other available Bid/Ask orders in the exchange that match your order (Quantity & Price).
2. Queue of your trade order.
Your trade order will be executed based on its position in the trade queue as they are handled on a ‘first-come first-serve’ basis. If your order is queued way back, it may not be executed as there are not enough matching trade orders on the exchange.
How do I ensure the Bank will process my orders which are not yet done? What happens to my orders if they are not done by the end of trading day?
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.
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 at 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 the 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 typically 2 days after trade date for most exchanges.
Please refer to the ‘Fees and Settlements’ segment below for the settlement dates of the different exchanges.
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 at 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 trade notification after my orders are executed?
You will receive SMS, Email 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 notifications for Price and News Alerts):
Click on the “Settings” icon on the top right of the Online Trading Page
Select “Account Settings”
Under “Order Alerts Notification Preference”, toggle the channels you wish to receive notifications through (either SMS, Email, or both)
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 at 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 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 at 1800 242 5333 (+65 6242 5333 for overseas). Please note that the orders will be based on the adjusted post-corporate action quantities.
Why do I face order rejection due to order quantity above Average Daily Volume (ADV)?
Please be informed that our broker has enhanced their risk management policy to prevent market manipulation. Orders placed on SGX-listed securities on the SC Online Trading platform with order quantities above 60% of the respective counter's ADV over the last 5 trading days are not permitted.
Should you face this issue, you are advised to decrease their order quantities to successfully place the orders. The multiple orders will be amalgamated and only one minimum brokerage will apply, where applicable.
If you continue to face order rejections due to the ADV limit when attempting to place Sell orders at the current market price, please call our help desk at 1800 242 5333, (+65 6242 5333 for overseas) for assistance.
Can I convert a counter into its fungible equivalent on another exchange?
We do not offer cross border exchanges and therefore are unable to convert the counter into its fungible equivalents on another exchange. Should there be a conversion mandated by the issuer, the conversion would be processed accordingly.
Fees and Settlement
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 Pricing Guide 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 is adjusted once your Sell trade is filled.
What are the settlement dates across the different exchanges?
* With effect from 28th May 2024, there will be a change to the settlement dates for the following exchanges
NYS, NMS, AMEX, BATS, ARCA, OTCB: T+1 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.
Corporate Actions
Will there be instances where I will not be able place orders on a counter(s) due to an ongoing Corporate Action event?
Yes, you may not be able to place trades on a counter that has an ongoing Corporate Action event from the effective date until processing of the event is completed.
Will I be notified of a corporate action event related to my securities held with SC Online Trading?
With effect from 6 September 2021, primary account holders to SC Online Trading accounts will be notified by SMS and email on corporate actions related to all securities held in their SC Online Trading accounts.
Primary account holders to SC Online Trading accounts will be notified by SMS and email related to all 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. Note that not all mandatory corporate action events, where your instructions are not required for participation, will be notified to you.
Why am I receiving updates to corporate action events with response deadlines that have already passed?
With effect from 3 September 2020, 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 event, 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 SRD II?
The aim of SRD II 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?
Corporate Action Notifications
The Bank will notify you of general meetings held by EU Companies, 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.
Shareholder Identification
SRD II mandates disclosure of specific identifications based on your Nationality. Please note that the Bank will require you to provide us with specific identifications based on your Nationality, in order to trade securities in EU companies on your Standard Chartered Online Trading Account(s). Failure to register the specific identifications with the Bank may result in suspension of trades placed on securities in EU companies via Standard Chartered Online Trading.
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.
How do I submit instructions on voluntary and mandatory with choice corporate action events?
Please refer to the SMS and/or email notifications for guidance on how you can submit instructions on voluntary and mandatory with choice corporate action events.
With effect from 6 September 2021, you will be able to submit instructions on voluntary and mandatory with choice corporate action events related to all securities held in your SC Online Trading account, through the Corporate Actions Portal.
What is the Corporate Actions Portal?
With effect from 6 September 2021, 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, 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 2021.
Details of mandatory corporate action events with no action required from you will not be posted on the Portal.
How do I access the Corporate Actions Portal?
Login to SC Online Banking via a web browser
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 hotline (Monday to Friday, 8am to 5am) at 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 2021, 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 securities held with SC Online Trading from 6 September 2021.
Details of mandatory corporate action events with no action required from you will not be posted on the Portal.
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?
Access the Corporate Actions Portal
In the 'Summary’ tab, reference the ‘Action’ column
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 event details and submit instructions
View & Amend/Cancel: click to view corporate action event details and amend/cancel instructions submitted
View: click to view corporate action event details
How do I submit, amend, or cancel instructions submitted on the Corporate Actions Portal?
Access the Corporate Actions Portal
In the 'Summary’ tab, reference the ‘Action’ column
Where it states, ‘View & Respond’, click to view corporate action event details and submit instructions. Where it states, ‘View & Amend/Cancel’, click to view corporate action event details and amend/cancel instructions submitted.
Why am I unable to submit, amend, or cancel instructions, for an ‘Active’ voluntary or mandatory with choice corporate action event on the Corporate Action Portal?
The event 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 processed
Completed: corporate action events where payments have been processed
Cancelled: 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 event will be classified as ‘Active’ until payment of the tender offer has been processed. When payment has been processed, the tender offer event will be classified as ‘Completed’.
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 event or the mandatory with choice corporate action event, will be applied.
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 event 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.
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.
Why is my instruction submitted for a voluntary corporate action event or a mandatory with choice corporate action event on the Corporate Actions Portal adjusted/cancelled?
There may be instances where your instruction submitted for a voluntary corporate action event or a mandatory with choice corporate action event 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 event or the mandatory with choice corporate action event.
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 between 10.30PM SGT to 7AM SGT. 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 event 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 deals 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.
I have yet to receive the cash and/or shares resulting from a corporate action event, 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 event 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.
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.
Do we handle the conversion of physical certificates shares to scriptless?
We do not handle the conversion of physical share certificates to scriptless and we do not accept share transfers in physical certificates form.
There was a corporate action event 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 event, 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 event there was a delay in updating your shareholdings following a corporate action event, we reserve the right to adjust your holdings and perform a buy-back on your behalf. Please refer to
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 at the final stage of the shares transfer form).
To access the Share Transfer Form:
Click on the “Settings” icon on the top right of the Online Trading Platform
Click on “Share Transfer Form” and fill in your details accordingly.
Are there fees associated with share transfers?
Yes, you may refer to the Pricing Guide on the relevant share transfer fees.
How long will it take for my share transfer to be completed?
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 at 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 event 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.
What would happen if the Bank ceases offering of the Online Trading platform?
Should the Bank decide to cease the offering of the Online Trading platform, the Bank will, at 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.
What are some restrictions applied to share transfers that I should make note of?
We are unable to process transfers of the following securities into your Online Trading account. Note that this list is not exhaustive and subject to changes at the Bank’s discretion at any time and without prior notice:
Delisted or suspended securities
Shares in certificate form
Warrants
US-listed OTC securities
Shares subject to regulatory and compliance restrictions, including restricted securities as per the Bank’s internal policies
Shares listed on exchanges that are not accessible via the Online Trading platform
Please also refer to the share transfer matrix below for guidance on the types of share transfers permitted:
Type of Transfer
Transferor
Transferee
Permitted
Applicable to inward, internal, and outward transfers*
Party A
Party A
Yes
Party A
Party A &/or B
Yes
Party A
Party B
No
Party A &/or B
Party A or Party B only
No
Please further note that HK, FR, and UK share transfers involving a change in beneficial ownership are not permitted.
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 2020, 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.
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, at 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 at 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 at 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 at 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 at the general meeting;
You agree to bring along your monthly securities statement which reflect that you still own the securities corresponding to that issuer;
You produce your Singapore NRIC at the general meeting venue for identification purposes; and
You acknowledge and understand that you are only allowed to attend the general meeting as an observer and have no right to vote at the general meeting.
Withholding Tax
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 at 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?
Please note that we do not provide any tax advisory, or tax reclaim services. You are responsible for any reporting or filing requirements that may apply as a result of your country of citizenship, domicile or tax residence.
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 markets or in securities issued by US incorporated entities (regardless of exchange), 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 that dividend payments are always subjected to and 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 Platform
Your 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 download 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 download button to install. You can then go to the downloaded App and tap and enter your Online Banking Username and Password and hit login.
What happens if the page crashes when I was placing a trade?
You can check the status of your orders through "Order" tab on the Online Trading Platform. If you require further assistance, you may call our Online Trading Hotline at 1800 242 5333 (local) or +65 6242 5333 (from overseas) for assistance.
Who do I contact if there is a system issue?
You may call our Online Trading Hotline at 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 at 1800 242 5333 (local) or +65 6242 5333 (overseas) for further assistance.
Pay-Any-Card
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 free 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 password
Click "Payments & Transfers" on the left menu panel
Click "Pay other Banks Credit Cards"
Add Payee by entering Payee Details
What 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 event 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 banking
Under Payments & Transfers > Payments / Transfers History
Check if the status is "Successful" or "Rejected"
What if the Visa or MasterCard is issued in a foreign currency?
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 at 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.
Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.
Disclaimer
Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.
IT security researchers have recently discovered a vulnerability in a software that is commonly used in Unix and Linux operating systems to execute commands from applications. This vulnerability could allow an attacker to gain control over an affected machine, access confidential information and perform unauthorised activities.
The Bank has carried out investigations and found no vulnerability in our systems. We will continue to monitor our systems and the external environment to take necessary action if a threat is detected.
You're about to leave our website
This is to inform that by clicking on the hyperlink, you will be leaving sc.com/sg and entering a website operated by other parties:
Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.
The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.
This link brings you to a third party Website, over which Standard Chartered Bank (Singapore) Limited has no control ("3rd Party Website"). Use of the 3rd Party Website will be entirely at your own risk, and subject to the terms of the 3rd Party Website, including those relating to confidentiality, data privacy and security.
Standard Chartered Bank (Singapore) Limited makes no warranties, representations or undertakings about and does not endorse, recommend or approve the contents of the 3rd Party Website.
In addition to the terms stated in Standard Chartered Bank (Singapore) Limited's Important Legal Notices, Standard Chartered Bank (Singapore) Limited shall have no responsibility or liability in connection with the content of or the consequences of accessing the 3rd Party Website, including any virus arising from or system failure associated with the 3rd Party Website.
In the event of any inconsistency between the terms herein / the Bank's Important Legal Notices and the terms on the 3rd Party Website, the terms herein / the Bank's Important Legal Notices will prevail.
By clicking "Proceed", you will be confirming that you have read and agreed to the terms herein and in the Bank's Important Legal Notices.
* SingPost Platinum Visa Credit Cards Lazada Sign-Up Promotion Terms and Conditions
* Singpost Platinum Visa Credit Cards Lazada Sign-Up Promotion Terms and Conditions apply.
Did you recently have a change in income or employment?
Note: If you are an existing principal cardholder of the MANHATTAN Platinum Credit Card, please be informed that we would be taking steps to close your existing MANHATTAN Platinum Credit Card account if both of the following conditions are met:
our bank records show NO transaction being made on your existing MANHATTAN Platinum Credit Card account in the preceding 12 months, and
at least one transaction has been made on your new MANHATTAN World MasterCard.
You must not have any existing principal credit cards or personal loans with us.
•
You must also not have terminated any credit card with us within the 6 months prior to this application.
•
Eligible customers will receive a redemption letter with details on the Gift redemption within 10 weeks of the card approval date.
•
If the new card account is terminated within 6 months of card approval, the full retail price of the gift (after deducting any admin fee paid) will be charged to the card account.
You must also not have terminated any credit card with us within the 6 months prior to this application.
•
Eligible customers will receive a redemption letter with details on the Gift redemption within 10 weeks of the card approval date.
•
If the new card account is terminated within 6 months of card approval, the full retail price of the gift (after deducting any admin fee paid) will be charged to the card account.
•
The gift selection you make will be deemed your final choice, and cannot be changed.
Simply charge $5,000 over the next 12 months on qualifying transactions to fulfil the spend requirement. This is a recurring Upfront Rewards plan, and you'll continue to receive one one-way ticket upfront when your plan is successfully renewed. If you do not fulfill the spend requirement or terminate the plan before fulfilling the spend requirement, a $100 fee will be charged to your card.
Apply for Future Rewards plan
Spend first and be rewarded later
Redeem one one-way ticket with 360° Rewards Points earned on your card after you charge $8,000 on qualifying transactions.
