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  1. Help Centre
  2. Card activation, overseas card usage & PIN set

Enhanced card security measures implemented to better safeguard your Standard Chartered ATM, debit and credit cards

Card activation, overseas card usage & PIN set

Card activation

Overseas card usage

PIN set

Your ATM, debit and credit card(s) sent to you will be blocked for your added security. You will need to activate your card online or via SMS before use.

Please note the following important information:

  • Your mobile phone number is required to enable and disable overseas ATM cash withdrawal.
  • A One-Time Password (OTP) will be sent to your mobile phone and this OTP is to be used for card activation.
  • To update your mobile number, go to “Update Profile Details” by logging in to Online Banking or SC Mobile.
  • Principal cardholders will need to activate for their supplementary cards (if any).
ONLINE ACTIVATION
mouse icon You may login to Online Banking or SC Mobile to activate your card and set PIN
  

  • Step 1: Login to Online Banking or SC Mobile
  • Step 2: Go to “Help & Services”
    (If you are logging in to SC Mobile, tap on the Profile icon located on the top left of the screen to navigate to “Help & Services”)
  • Step 3: Select “Credit Card Activation & PIN Set” or “Debit/ATM Card Activation & PIN Set”
  • Step 4: Follow the on-screen instructions
  • Step 5: Upon completion, your card will be activated immediately and PIN set

   

For more information on Online Banking, click here.
For more information on SC Mobile, click here.
Don’t have SC Mobile yet? Download it for free on the App StoreTM (iOS) or Google Play (Android) now.
  
Alternatively, click here to activate your card online.
App Store is a trademark of Apple Inc. registered in the US and other countries. Android is a trademark of Google Inc.
SMS ACTIVATION
mouse icon ATM/Debit cards

To enable, SMS to 75722: ACT<space>last four digits of your card number.

• For example: ACT 5432

If you are overseas or using an international phone number, send the above SMS to +65 9617 6495 instead.
  

Credit cards

To enable, SMS to 75722: ACT<space>name on card<space>last four digits of your card number

• For example: ACT M H Tan 5432

If you are overseas or using an international phone number, send the above SMS to +65 9617 6495 instead.

Click here for our Frequently Asked Questions.
For more details, click here to visit the ABS (The Association of Banks in Singapore) website.

For your security, the Bank disables the overseas card usage function for all new, existing, replacement and renewed ATM, credit and debit cards by default and the following functions may be affected:

  • Overseas ATM cash withdrawal
  • Overseas credit/debit card magnetic stripe transactions

Please take note of the following:

  • Exceptions include if you had previously enabled the overseas ATM cash withdrawal function on your card (this also applies to overseas card usage on renewed/replacement cards with same card number) and if you were notified that your existing card(s) will remain enabled for overseas usage
  • EMV chip transactions are excluded from the overseas card usage function. This means that your card can still be used overseas at EMV chip-enabled POS terminals and/or ATMs despite the overseas card usage function being disabled.

*Note: “POS” stands for Point-of-Sale and “EMV” stands for Europay, Mastercard and Visa.

ENABLE/DISABLE OVERSEAS CARD USAGE ONLINE
mouse icon Click here to activate overseas card usage for your card online. (This has to be done after your card is activated)

You may also enable or disable this function via SC Mobile, our mobile banking app – available for free on the App StoreTM (iOS) or Google Play (Android).
App Store is a trademark of Apple Inc. registered in the US and other countries. Android is a trademark of Google Inc.
ENABLE/DISABLE OVERSEAS CARD USAGE VIA SMS
mouse icon ATM/Debit cards
To enable, SMS to 75722: AOT last four digits of your card number.
• For example: AOT 5432  
If you are overseas or using an international phone number, send the above SMS to +65 9617 6495 instead.
 
Credit cards
To enable, SMS to 75722: AOT name on card last four digits of your card number
• For example: AOT M H Tan 5432

   
To disable, send an SMS following the same steps as above and replace keyword “AOT” with “DOT” instead.

  
Please note:
• If you are overseas or using an international phone number, send the above SMS to +65 9617 6495 instead.
• You will be informed via SMS once the card(s) have been successfully enabled.
• Overseas usage enabled via SMS will be valid for 12 months from date of activation.
• Replace “AOT” with “AOTP” if you want to enable overseas usage perpetually.
• You can set an expiry date for overseas usage if it was enabled via our website.

Click here for our Frequently Asked Questions.
For more details, click here to visit the ABS (The Association of Banks in Singapore) website.

The risk of unauthorised transactions being effected on your debit and credit cards is higher when you activate your cards for overseas use. This is because the data encoded on the cards’ magnetic stripe may be easily read and replicated. Sign up for SMS alerts for your card transactions to safeguard against this risk. Report any unauthorised transactions immediately by calling our 24-hour Phone Banking team at 1800 747 7000.

In line with the Bank’s commitment towards a more sustainable future, we will no longer issue a physical PIN for all ATM, Debit card and Credit Card issuance. You can still set your pin using the following methods:
SC Mobile Step 1: Login to SC Mobile

Step 2: Go to Service icon (located at bottom right of the screen) and navigate to “Digital Services”

Step 3: Go to “Card Management” section and select the applicable options

  • If you have not activated your card, please select “Debit/ATM Card Activation & PIN set”  or “Credit Card Activation and PIN set”
  • If you have activated your card, please select “Debit/ATM Card PIN change” or “Credit Card PIN change

Step 4:  Follow the on-screen instructions to set PIN

 

For more information on SC Mobile, click here.

Don’t have SC Mobile yet? Download it for free on the App StoreTM (iOS) or Google Play (Android) now.
ATM (Applicable for Debit/ATM card only) Step 1: Insert ATM/Debit Card into a SC ATM

Step 2: Select “Set/Reset PIN & Card Activation for ATM/Debit Card”

Step 3: Select “Request OTP” to registered mobile number to receive a one-time-password needed to set PIN

Step 4: Enter OTP

Step 5: Set a new 5-Digit PIN
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