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PAYMENT METHODS
- Cash Payment
Over-the-counter cash payment can be made at Standard Chartered Hua Ho Manggis Mall Branch from 9:00 a.m. to 9:00 p.m. (Monday to Friday), 9.00 a.m. - 4.00 p.m. (Saturday) and 11:00 a.m. to 4:00 p.m. (Sundays/Public Holidays) and at any Standard Chartered Outlet from 9.00 a.m. - 4.00 p.m. (Monday to Friday) and 9.00 a.m. - 11.30 a.m. (Saturday). Payment can also be made after banking hours at our Cash Deposit Machines (all outlets). - Cheque Payment
Cheque payments can be mailed in, made over-the-counter (at any Standard Chartered Outlet during banking hours) or via the Cheque Deposit Machines (all outlets). All cheques must be (i) accompanied by a complete Payment Coupon and (ii) crossed and made payable to ‘STANDARD CHARTERED BANK’. If you have more than one card account, please write the amount payable for each account on the Payment Coupon and the reverse of the cheque. Do not write post-dated cheques. - ATM
Payment is made by transferring funds from your Standard Chartered Account through any Standard Chartered ATM in Brunei Darussalam. - Standing instruction
Payment is automatically deducted from your designated Standard Chartered Account approximately 3 days before the Payment Due Date.
AMOUNT PAYABLE
Pay the full amount of your new balance OR the minimum payment due as shown in your statement.
MINIMUM PAYMENT
8.3% of the New Balance or B$40, whichever is higher, plus any overdue amounts*.
* For overlimit accounts, this is 8.3% of the New Balance, plus the excess over the credit limit and any overdue amounts.
FINANCE CHARGES (INTEREST)
If payment is not made in full by due date, finance charges will be calculated on a daily basis at approximately 2% per month on the current outstanding from the last statement date until the date of full payment including any new transactions from the respective posting dates. No finance charges will be levied if payment is received in full by the due date and there is no balance carried forward from the previous statement. For cash advances, finance charges are calculated at the rate of approximately 2% per month on each cash advance from date of the cash advance until full payment is received and credited to the card account.
OTHER FEES AND CHARGES
| Cash advance fee | 3% of withdrawn amount or B$20, whichever is higher |
| Overlimit fee | B$20 (levied on accounts which exceed assigned credit limits as at the previous statement cycle) |
| Late Charges | 5% of minimum payment due or B$25, whichever is higher |
| Card replacement | B$20 per card |
| Returned Cheque | B$50 |
| Failed standing instruction | B$30 |
| Sales draft retrieval | B$10 (Copy) / B$20 (Original) |
| Statement retrieval | $10 per month |
| General service fee | B$10 per month for accounts with credit balances after 6 months of closure |
CARD RENEWAL AND ANNUAL FEE
Annual fees are charged each year, upon the anniversary of your membership. Before the end of your card’s expiry month, you will also receive a letter requesting that you collect your renewal card.
OVERSEAS TRANSACTION
As the Brunei Dollar is not quoted in the international foreign exchange market, the VISA and MasterCard settlement system will quote all charges made overseas at the same rate as the Singapore Dollar (which is currently on par with the Brunei Dollar).
All transactions effected in a currency other than Singapore Dollars will be converted from the transaction currency into Singapore Dollars at a rate selected by VISA International/MasterCard Worldwide from within a range of wholesale market rates or the government-mandated rate in effect on the conversion day including any fees imposed by VISA International/MasterCard Worldwide and the Bank.
eSTATEMENTS
Receive your statements via email every month. To register, please click here or call our Phone Banking Centre.
ENQUIRIES
For enquiries, please contact our Phone Banking Centre at 265 8000 or email us.
FOR CUSTOMERS WITH VALID CREDIT CARDS
For full details, please read the Terms and Conditions in our Cardmember’s Agreement which shall prevail at all times.
FOR CUSTOMERS WITH CARD LOAN
The above Important Information is applicable only for customers with valid Credit Cards. For more details on Card Loan terms and conditions, please refer to your Card Loan Terms and Conditions and your Banking Facility Letter.