• 128 bit SSL encryption to ensure complete online security
• Disconnect feature that automatically terminates your session if your browser is left idle for more than 10 minutes
• Date and time of your last login for added peace of mind

To make your transactions 100% secure we have introduced added security in the form of 2FA. Now your transactions will be twice as more secure than before so that you can bank online with complete peace of mind. Each time you make a request that requires added security e.g. online beneficiary addition we will additionally send you a security code on your mobile number and/or email address in our system. To complete the transaction you will simply have to key in the code on your iBanking screen and click submit.

This will protect the funds in your account from being transferred to any other account unless we are 100% sure that the request is initiated by you.

About the Service:

Q. What is iBanking?

iBanking is a simple, hassle-free and secure internet banking service available to Standard Chartered customers* in Pakistan.
* Available for select branches and credit cards

Q. Why should I choose iBanking?

• 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 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 online banking right from the comfort of your home or office.
• With this service, you can access your Standard Chartered accounts 24 hours of the day, 365 days of the year.
• 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 online banking services will help you to better manage your finance. Moreover, we will progressively add more new services for your convenience.

Q. Do I have to pay for using this service / Is there an extra charge for this service?

There is no extra charge for using this service.

Q. Is this service available 24 hours?

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

Q. Can I access the service from overseas?

Yes. As long as you are able to access the Internet with the recommended internet browser, you will be able to access the service.

Security:

Q. How secure is this service / How safe is my personal information going through the service / What security measures are being used by 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.

Q. 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 a key. The encryption of data provides a strong degree of protection against tampering while data is moving through the Internet.

Q. How do I activate Secure Socket Layer (SSL) Version 3.0?

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]

Q. What are cookies and how are they used for this service?

A cookie is information that a website puts on your hard disk so 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.

Q. What precautions should I take for this online 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.

Q. What should I do if I suspect there are unauthorized transactions on my account?

If you suspect there are unauthorised transactions on your account, please report to our Phone Banking. 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.

Q. 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.

Q. How do I safeguard and protect my password?

• Do not choose a password that is easily identifiable such as your personal telephone number, birthday or other personal information etc. down or use it where someone else can see.
• 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'.

Application for the Service:

Q. Who can apply for this service?

To use this service, you must have at least a transactional or Credit Card account* with Standard Chartered Pakistan. Partnership and Public Limited Companies are not eligible. Click ' New user register ' to apply for the iBanking service.
* Available for select branches and credit cards

Q. How do I apply for this service?

On our homepage www.standardchartered.com.pk click on ‘Apply for Internet Banking’ and fill out the form. On the iBanking login screen click on ‘New User Registration’ and complete the form. You can also apply via branch or Phone Banking.

Log-in:

Q. What is my ID and password for log-in?

They are unique secret words/characters for each user to ensure confidentiality. You need both of them to log-in. Login ID will be emailed and password mailed at your mailing address.

Q. Can I use my ATM PIN to log in? Or use my Phone Banking PIN?

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

Q. What happens when my ID is invalid / What should I do if I have forgotten my ID/password?

Please call Phone Banking.

Q. Can I change my password?

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

Q. Can I change my Login ID?

You can only change your Login ID when you login to Internet Banking for the very first time.

Q. What should I do if I suspect that my password has been stolen or exposed to others?

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.

Account Information:

Q. Can I see a summary of my accounts?

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

Q. Can I view the transactions belonging to all my accounts?

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

Q. How far back can I view my transaction history?

You can view your transactional history up to one year for your accounts and the last two statements for your Credit Card account. Your A/C statements are segmented as per the period selected. Card statements are monthly.

Q. Can I download and save my account information and latest transactions?

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

Q. What is the use of the Mail Box in the Personal Homepage?

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

Q. Can I use the Mail Box to send email to my friend?

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.

Q. Can I delete messages from the Mail Box?

Yes. You can delete messages from the Mail Box.

Q. How long do messages remain in the Mail Box?

All messages will be deleted automatically on weekly intervals.

Q. Can I get confirmation of my transaction?

Yes, you can get transaction alerts by email.

Funds Transfer:

Q. What kind of funds transfer can I do in this service?

You can transfer funds between your own Standard Chartered account, to another pre-registered Standard Chartered Pakistan account.

Q. Do I need to pre-register my accounts before I can use the funds transfer facility?

Yes, you will need to pre-register the accounts before you can make a funds transfer.

Q. How do I pre-register my 3rd party Standard Chartered accounts?

This can be done by visiting any branch or by calling Phone Banking at 111-002-002.

Q. When will the funds be available in the receiving account after I do an Immediate Fund Transfer to accounts within Standard Chartered Bank, Pakistan?

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

Q. Is there a maximum limit on the amount of funds I can transfer?

You can transfer up to PKR 500,000.

Payments:

Q. Can I delete my Set-up Standing Order Instructions?

Yes. You can delete any of your Set-up Standing Order Instructions one business day before the effective due date. Please contact the Bank to effect this request off-line.

Credit Card Services:

Q. What are the card services available online?

• Cards Balance enquiry
• Card Payment
• Credit Limit Increase

Q. How do I view my Credit Card statement?

You can view your current Standard Chartered Credit Card statement online and two previous card statements anytime, anywhere. All you need to do is to click on Card Information under Card Services and select the statement that you wish to see.

Your statements are segmented as:

• Current transactions:
  Here you will view all your transactions recorded after your last month's statement from the Bank.
• Last statement:
  This will be your last month's statement.
• Prior statement:
  This will be your statement 'prior' to the last month's statement.

Q. How do I pay my credit card bill online?

You can make payment to your Standard Chartered Credit Card bills via immediate or Set-up Standing Order payment mode. Simply click on Card Payment under Card Services and select the card you wish to pay, your debiting account and payment amount.

Q. When will my credit account be updated?

Your Credit Card account will be updated in the next two working days.

Q. Can I increase my credit limit online?

You can do so by clicking on the Credit Limit Increase under Card Services and submit your application online to us.

Q. Can I use the same ID and PIN to view my Credit Card and account information?

Yes simply call our 24 Hours Phone Banking or contact branch to link your account and credit cards to existing ID and PIN.

System Requirements:

Q. What hardware and software do I need for using this service?

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 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.

Q. How do I know the version of the browser that I'm using?

If you are using Netscape Communicator –

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

If you are using Internet Explorer

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

Q. Can I use other operating systems?

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

Q. What display setting should I use for this service?

Our web site is optimised for view with screen resolution of 800 x 600.

Q. I'm a Macintosh user, will I be able to access this service?

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

Trouble Shooting:

Q. What can I do if my Internet Explorer frequently hangs?

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

Q. What should I do if I am not able to perform any financial transaction?

Ensure that you are using one of the recommended browsers.

Q. "This program has performed an illegal operation..."

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.

Q. 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. 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.

Q. Who can I call if I have any problem or enquiry in using this service?

Please call our phone banking 111-002-002. Kindly get note of the error code or message if any, to the customer service officer for investigation.

Q. I get an error message mentioning "JavaScript not enabled". What does it mean?

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

If you are using Netscape Communicator 4.7x

• 1. Click on [Edit]
• 2. Select [Preferences]
• 3. Choose [Advanced] under [Category]
• 4. Check [Enable Java] and [Enable JavaScript]
• 5. Click on [OK] & restart the browser

If you are using Internet Explorer 5.x,

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

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

Q. How to clear cache?

If you are using Netscape Communicator 4.7x

• 1. Click on [Edit]
• 2. Select [Preferences]
• 3. Select [Advanced]
• 4. Select [Cache]
• 5. Click on [Clear Memory Cache] and [Clear Disk Cache]
• 6. Click on [OK] & restart the browser

If you are using Internet Explorer 5.0,

• 1. Click on [Tools]
• 2. Select [Internet Options]
• 3. Select [General] Tab
• 4. Click on [Delete Files] under [Temporary Internet Files] section
• 5. Check [Delete all off-line content]
• 6. Click on [OK] & restart the browser

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