Online Banking

Online Banking is a simple, hassle-free and secure internet banking service available to all Standard Chartered Bank customers in Kenya.

• It's so easy to apply. And, it's FREE!
• It's your own bank. You have instant access to up-to-date information on your accounts.
• It's safe & easy. Using your internet banking ID (ID) and internet banking Password, you can now bank with confidence knowing that your transactions remain safe with us. With our simple and intuitive navigational toolbars and buttons, you don't need other instructions or assistance.
• It's fast . It takes only a few minutes to get updated account information and complete a banking transaction - giving you more time to do other things.
• It's convenient . You can perform on-line banking right from the comfort of your home or office.
• It's 24 hours. With this service, you can access your Standard Chartered accounts day or night - there is no need to wait for your monthly statement of account.
• It's worldwide access. As long as you can access the Internet, you can access your Standard Chartered accounts, anywhere in the world.
• No special software required. You don't need to purchase any special software. As long as you have a personal computer (PC) with the minimum configuration, you are ready to start. Please check the minimum browser requirement.
• Wide range of service. Our wide range of on-line banking services will help you to better manage your finance. Moreover, we will progressively add more new services for your convenience.

There is no extra charge for using this service. However, normal product fees and charges continue to apply.

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

Yes. As long as you are able to access the Internet with the recommended internet browser, you will be able to access the 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. All online sessions between you and the bank are protected by up to 128-bit encryption, which best protects your information against disclosure to third parties.

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

If you are using Netscape Communicator 4.7x,

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

If you are using Internet Explorer 5.x,

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

A cookie is information that a web site 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.

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

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

Online Banking is and easy and convenient way to manage your money, the service is also a target for IT FRAUDSTERS through various avenues. Be aware of some of the common Online Banking FRAUDSTER scams:

Phishing: is the name given to emails that claim to be from your bank or other organizations but are actually sent to you by fraudsters to try and obtain your security details. Standard Chartered Bank will at no point request for your security access details over email.

Spyware: is a type of computer virus that can be installed on your computer without your knowledge. It is capable of monitoring your PC activity, enabling fraudsters to capture your passwords and other personal information. To make sure you don't become a victim of spyware; make sure you have up-to-date anti-virus and anti-spyware software installed.

If you suspect there are unauthorized transactions on your account, please report to our Call Centre. Please provide details such as your name, account number, transaction type, date & time of transaction, description of error and amount involved.

If you suspect they are due to lost/stolen password, please call our phone banking to terminate the password immediately. You may want to take note of your last log-in date and time, as indicated at the Personal Homepage, each time you log-in to the 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.

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

Second Factor Authentication (2FA) is an additional layer of security used by the bank to verify customer's online identity. With 2FA, Standard Chartered Internet banking customers will be required to provide a unique Additional eTAC to perform certain online transactions.

The eTAC will be sent to your mobile phone number as registered with the bank.

This is in addition to the existing Internet banking Username and Password and in line with the recommendations to adopt two-factor authentication (2FA) for better online banking security. The following transactions will be covered under the purview of 2FA and therefore call backs will not be required;

• Addition of payee – both within SCB as well as Inter bank
• Addition of Telegraphic transfer payee
• Addition of new Biller
• Personal Information change request – email address, mobile number etc
• Address change request – Mailing address as well as non-mailing address.

To use this service, you must have at least a transactional account with Standard Chartered Bank, Kenya.

Visit your nearest branch and complete the simple form.

They are unique secret words/characters to each user to ensure confidentiality. You need both of them to log-in.

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

Please call our Call Centre.

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

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

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

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

You can view your transactional history up to one year for your accounts

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

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

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

Yes. You can delete the messages from the Mail Box. The deleted messages will be put into the Trash Box where our system will automatically clear the Trash Box on a regular basis.

All read messages will be deleted automatically on weekly intervals.

You can transfer funds between your own Standard Chartered accounts and to other pre-registered 3rd party Standard Chartered accounts.

Yes, you will need to pre-register the 3rd party accounts Online before you can make a 3rd party

You will have to log on to Online Banking to register any 3rd Party accounts for funds transfer.

Once the account/s has been successfully registered, you may proceed to transfer funds within the next 2 working days.

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

You can transfer up to KES 1,000,000 (One Million only).

Yes, click on Maintain Beneficiary under Funds Transfer and select Add Beneficiary.

Minimum Hardware Requirement

• PC with Pentium 166MHz processor or higher
• 32 MB RAM or higher
• SVGA or higher resolution monitor, 256 colors minimum, 800 x 600 screen resolution
• Modem of 56kbps or higher

Minimum Software Requirement

• Microsoft Windows 95/98/NT/2000 operating system
• Microsoft Internet Explorer Version 4.01 with Service Pack 2 or above*
• Netscape Communicator Version 4.6 or above* (Note:Currently Netscape 6.x and 7.x is not supported)
• Both "Java" and "Java Script" have to be enabled
• Please ensure the Microsoft Virtual Machine is the default for your browser.

* To make use of the 128-bit SSL encryption and enjoy the highest level of security, we strongly recommend that you upgrade your browser to Internet Explorer version 5.01 and above or Netscape Communicator 4.7 and above (Note: Currently Netscape 6.x and 7.x is not supported).

If you are using Netscape Communicator,

• Click on [Help]
• Click on [About Communicator...]

If you are using Internet Explorer,

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

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

Our web site is optimised for view with screen resolution of 1024 x 768.

We regret to inform you that Macintosh is not supported by this service currently.

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

Ensure that you are using one of the recommended browsers.

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

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

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

Please call our Call Centre. Kindly get note of the error code or message if any, to the customer service officer for investigation

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

If you are using Netscape Communicator 4.7x,

• Click on [Edit]
• Select [Preferences]
• Choose [Advanced] under [Category]
• Check [Enable Java] and [Enable JavaScript]
• Click on [OK] & restart the browser

If you are using Internet Explorer 5.x,

• Click on [Tools]
• Select [Internet Options]
• Select [Advanced] Tab
• Scroll down to [Microsoft VM]
• Check [JIT compiler for virtual machine enabled]
• Click on [OK] & restart the browser

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

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

If you are using Netscape Communicator 4.7x,

• Click on [Edit]
• Select [Preferences]
• Choose [Advanced]
• Select [Cache]
• Click on [Clear Memory Cache] and [Clear Disk Cache]
• Click on [OK] & restart the browser

If you are using Internet Explorer 5.x,

• Click on [Tools]
• Select [Internet Options]
• Select [General] Tab
• Click on [Delete Files] under [Temporary Internet Files] section
• Check [Delete all off-line content]
• Click on [OK] & restart the browser

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

This might occur if you have set a Java " plug-in to be used as a default Java runtime for your web browser.

You would need to apply for the Online Banking service by filling out an application form available online or at any Standard Chartered Bank Kenya branch.