• 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.
• 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. 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/call centre immediately if you notice any unusual transactions on your 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.

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.

• What are cookies and how are they used for this service?

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.

• 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'.

To use this service, you must have at least a transactional (CASA) account with the Standard Chartered Bank, Zambia. Register online at www.standardchartered.com/zm, call our call centre on 5247 (all mobile networks toll free), 08001 247 247 (landline toll free) or visit your nearest SCB branch.

You will need to complete an ' application form' either online and submit to the branch or via call centre.

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

No, your Online Banking ID and password are unique to this service. However, you can use your ATM card details to register for Online Banking.

Please call phone banking/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, to another pre-registered 3rd party Standard Chartered accounts and to other pre-registered 3rd party Bank accounts.

Yes, you will need to pre-register the 3rd party accounts before you can make a 3rd party or an interbank funds transfer.

You can register any 3rd party accounts online using the ‘Maintain Beneficiary' tab

Registration of 3rd party accounts is instant. You can transfer funds to 3rd party accounts immediately after registering them.

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

When you confirm your instruction on a business day, the funds will be available to the beneficiary 2 to 3 business days later, subject to the beneficiary bank. However the amount will be debited from your SCB account on the same day for immediate transfer. It is advisable that you make allowance and pay 1 business day before the due date to cater for any unforeseen delays.

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 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.

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 phone banking. 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.

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.

For more information