Online Banking - FAQs - Standard Chartered Bank Pakistan

How do I use forget password?

There are two methods to get a new password generated:

ATM/Debit Card number and PIN method:

You enter you Debit Card and ATM PIN
A SMS Pass code will be sent on your mobile number updated with us.
You will be required to enter this pass code on a screen ahead.
You will then be able to create your new "password" online.

If you have been issued a new ATM/Debit Card please activate it by calling 111-002-002 before you use it for Password Reset. Your mobile number should be updated with the bank to use this option.

Dispatch Password To My Mailing Address method:

You enter your Login ID
The new “password” will be mailed to your mailing address updated with us

How do I use "Instant Registration" to enroll online?

To register online your mobile number needs to be updated with the bank and you need to have an active Standard Chartered ATM/Debit Card and ATM PIN with you. If your card is not already activated, call Phone Banking to activate it first.

If you do not have an ATM/Debit Card please visit your branch or call Phone Banking at 111-002-002/ 0800-666-66 to enroll for Online Banking.

Steps:

Visit www.standardchartered.com/pk and click on "Online Banking" to open Online Banking window.
Click on the "Instant Registration" tab and agree on the Terms and Conditions
Choose "Register Using an ATM/Debit Card and PIN" option and go to next screen.
Enter your 16 digit ATM/Debit Card number and your 4 digit ATM PIN.
System will inform you that an SMS Passcode will be sent to your mentioned mobile number which you have to enter on the next screen.
Once you enter the correct SMS Passcode back into the system, it will ask you to select the new Login ID and a Password.
Now you can go to "Existing customer" tab to login with your new Login ID and Password you just set and enjoy the Online Banking experience.

How do I find out my login id?
To get your Login ID just call our 24 hr Phone Banking at 111-002-002 / 0800-666-66.

Phone banker will tell you your Login ID against your account number after verification.

How do I update my Email address/Mobile number?
You can use the following methods:

Call our Phone Banking using your updated ‘Landline’ number to request for email address/mobile number.
Drop an account detail updation form at the branch.

How do I link accounts/cards?
Go to the "Application Forms" in the ‘Accounts’ section in Online Banking, and click on "Account/Card Link form (Online)". Here you can list down all accounts and credit cards that you want to link with the existing Online Banking accounts.

Please note that your linking request will not be processed if account/card details such as mailing address, all contact numbers, email address, mobile number, CNIC, and operating instructions do not match with the existing account.

How do I add beneficiary?
Click on "Maintain Beneficiary" in the "Funds Transfer" tab and go to 'Add Beneficiary' where you'll need to enter beneficiary account number, name and email address. In the next step you will be sent an email PIN to your email address and an SMS passcode (eTac) to your mobile number which you have to enter back on the screen. Following this 2FA validation your beneficiary account will be added and now you can transfer funds to this account.

What If my ATM/Debit card is blocked; can I register online using my ATM/Debit card?
To register for Internet Banking online you will need to have an active ATM/Debit card. Otherwise you can apply via branch or Phone Banking.

Having trouble Logging in?
If you need assistance with logging in please use one of the following methods:

Call 111-002-002 and choose option '6' to contact Online Banking helpdesk.
Timings: Mon – Sat (9:00am to 12:00am)
Email at Ask.Us@sc.com
Type "IBANKING" and SMS to 722

Security

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.

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.

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.

What precautions should I take for this online service?
Besides maintaining the confidentiality of your Online Banking ID and Online 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.

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 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.

What precautions should I take when using shared/public PCs for this service?
We strongly recommend you not to conduct your Online 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.

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'.

Log-in

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. If you register using “Instant Registration” then you get to set your ID and password yourself online.

Can I use my ATM PIN or my Phone Banking PIN to log in to Online Banking?
No, you can not use your ATM pin or Phone banking pin to login to Online Banking. However, you can use ATM/Debit card number and pin to register for Online Banking online through website.

What should I do if I have lost/forgotten/did not receive my Login ID? How can I get the Login ID?

To get your Login ID just call our 24 hr Phone Banking at 111-002-002 / 0800-666-66.

Phone banker will tell you your Login ID against your account number after verification.

What should I do if I have lost/forgotten/did not receive my Password/PIN?

There are two methods to get a new password generated:

ATM/Debit Card number and PIN method:

You enter you Debit Card and ATM PIN
A SMS Pass code will be sent on your mobile number updated with us.
You will be required to enter this pass code on a screen ahead.
You will then be able to create your new "password" online.

If you have been issued a new ATM/Debit Card please activate it by calling 111-002-002 before you use it for Password Reset. Your mobile number should be updated with the bank to use this option.

Dispatch Password To My Mailing Address method:

You enter your Login ID
The new “password” will be mailed to your mailing address updated with us

How do I use forget password with ATM/Debit Card number and ATM PIN?
To use this feature your mobile number needs to be updated in our records and your ATM/Debit card should already be activated. To activate your card please call our Phone Banking.

Steps:

Visit www.standardchartered.com/pk and click on "Online Banking" to open Online Banking window.
Click on the "Forget Password" tab and agree on the Terms & Conditions.
Choose "ATM/Debit Card number and ATM PIN" option to generate password now.
Enter your 16 digit ATM/Debit Card number and your ATM PIN on the next screen.
System will inform you that an SMS Passcode will be sent to your mentioned mobile number which you have to enter on the next screen. Verify that your mobile number is updated.
Enter the SMS Passcode received on mobile number on the next screen.
When you are authenticated system will ask you to set a new password and confirm it.
Now you can go to “Existing customer” tab to login using your new password.

What If my ATM/Debit card is blocked; can I register online using my ATM/Debit card?
To register for Internet Banking online you will need to have an active ATM/Debit card. Otherwise you can apply via branch or Phone Banking.

What if have received a new ATM/Debit card can I register online using my new ATM/Debit card?
You will need to first activate your ATM/Debit card. Once your ATM/Debit card is active, then you can use it to register online for Online Banking.

Can I use expired ATM/Debit Card to register online?
No, you cannot use an expired Debit/Card to register online for Online Banking.

Can I change my password?
Yes, you may change your password, using the 'Change Password' service in the 'Personal Details' section, anytime to ensure security.

Can I change my Login ID?
You can only change your Login ID when you login to Online Banking for the very first time.

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.

How do I update my Email address/Mobile number?
You can use the following methods:

Call our Phone Banking using your updated ‘Landline’ number to request for email address/mobile number.
Drop an account detail updation form at the branch.

Having trouble Logging in?
If you need assistance with logging in please use one of the following methods:

Call 111-002-002 and choose option '6' to contact Online Banking helpdesk.
Timings: Mon – Sat (9:00am to 12:00am)
Email at Ask.Us@sc.com
Type "IBANKING" and SMS to 722

Payments

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.

How do I buy Prepaid Vouchers using Online Banking?
Go to "Bill Payments" section and click on "Prepaid Vouchers". Choose the voucher to buy and the account number to pay from. After you confirm you payment details, you will be given the voucher number along with other transaction details.

Funds Transfer

What kind of funds transfer can I do in this service?
You can transfer funds between your own Standard Chartered accounts, to another 3^rd party Standard Chartered Pakistan account that you have already added as a beneficiary.

Do I need to add the 3^rd party account as a beneficiary before I can transfer funds to it via Online Banking?
Yes, you will need to add the accounts as your beneficiary before you can make a funds transfer to them.

How do I add the 3rd party Standard Chartered accounts as beneficiary on?
Click on ‘Maintain Beneficiary’ in the "Funds Transfer" tab and go to 'Add Beneficiary' where you'll need to enter beneficiary account number, name and email address. In the next step you will be sent an email PIN to your email address and an SMS passcode (eTac) to your mobile number which you have to enter back on the screen. Following this 2FA validation your beneficiary account will be added and now you can transfer funds to this account.

How long does it take for my Online Banking Fund Transfers made to another account within Standard Chartered Bank to be processed?
Online Banking Fund Transfers within Standard Chartered Bank are processed immediately, unless customer makes the transaction after midnight during bank’s end of day activities, especially on the Saturday & Sunday nights. During this time all transaction postings are held off temporarily. Transactions made during this time period will get posted on the bank system at the end of the next day.

Is there a maximum limit on the amount of funds I can transfer?
You can transfer up to PKR 500,000 to any 3rd party Standard Chartered Account

Credit Card Services

What are the card services available online?

Cards Balance enquiry
Card Statement
Card Payment

If I am only a Credit card customers and want Online Banking access how can I apply?
Standard Chartered Credit Card customers can apply for Online Banking by calling us at our 24 hour Phone Banking at 111-002-002 / 0800-66-666

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.

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 ‘Credit Card Bill Payment’ under ‘Card Services’ and select the card you wish to pay, your debiting account and payment amount.

When will my credit account be updated?
Your payment in Credit Card account will be updated in the next two working days.

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 Online Banking ID and PIN. Card /accounts with different operating instructions or risks will not be able to be linked.

Online Banking Frequently Asked Questions