Standard Chartered Bank Hong Kong

Guide to Standard Chartered Bank Hong Kong Services for Consumers and Small Business Owners

standard chartered bank Hong Kong

Standard Chartered Bank Hong Kong is a prominent financial institution that provides a wide array of banking services to both individual consumers and small business owners. As part of the global Standard Chartered Group, it leverages extensive international experience and local expertise to offer innovative financial solutions tailored to meet diverse needs. The bank’s comprehensive offerings include personal and business banking, wealth management, loans, credit services, and advanced digital banking platforms. Standard Chartered Hong Kong is also committed to sustainability and digital innovation, exemplified by its recent initiatives in fintech and green financing. Whether you are looking to manage personal finances or grow your business, Standard Chartered Hong Kong offers reliable and versatile financial support.

Personal Banking Services

Accounts and Deposits Standard Chartered Hong Kong provides a variety of accounts designed to meet your financial needs:

Current and Savings Accounts: Standard Chartered Bank Hong Kong offers versatile Current and Savings Accounts tailored to meet the diverse needs of individuals and businesses. These accounts provide convenient access to funds through online and mobile banking platforms, allowing customers to manage their finances anytime and anywhere. The Current Account is designed for daily transactions, providing features such as cheques, direct debits, and international payment services. On the other hand, the Savings Account is ideal for those looking to grow their savings with competitive interest rates while still maintaining liquidity. Both account types come with a range of benefits, including multi-currency options, integration with digital banking services, and robust security features. These accounts are part of Standard Chartered’s commitment to offering flexible, secure, and efficient banking solutions to enhance the financial well-being of its customers.

Time Deposits: Standard Chartered Bank Hong Kong offers Time Deposits as an attractive savings option for those looking to earn higher returns on their savings. These fixed-term deposits provide competitive interest rates, allowing customers to grow their wealth securely over a specified period. Time Deposits are ideal for individuals seeking a stable investment with a guaranteed return. Customers can choose from various tenures to suit their financial goals and cash flow needs, ranging from short-term to long-term deposits. The bank’s commitment to offering high-interest rates ensures that customers maximize their savings potential. Additionally, Standard Chartered provides easy account management through its digital platforms, enabling customers to monitor and manage their Time Deposits conveniently. This service is part of the bank’s broader effort to provide secure, efficient, and customer-friendly banking solutions.

Loans and Credit

Personal Loans: Standard Chartered Bank Hong Kong offers Personal Loans designed to meet a variety of financial needs, providing flexible options for customers looking to fund home renovations, education, travel, or other personal expenses. These loans come with competitive interest rates and customizable repayment plans, allowing borrowers to choose terms that best fit their financial situation. The application process is streamlined and can be completed online, ensuring quick and convenient access to funds. Additionally, Standard Chartered provides personal loan insurance options to protect borrowers against unforeseen circumstances, enhancing the security and peace of mind for its customers. By offering these tailored loan solutions, Standard Chartered Bank Hong Kong supports individuals in achieving their personal and financial goals efficiently and effectively.
Credit Cards: Standard Chartered Bank Hong Kong offers a diverse selection of credit cards designed to cater to various spending habits and lifestyle needs. Customers can choose from cards that provide a range of benefits including rewards points, cashback, and travel perks. These credit cards often come with additional features such as concierge services, travel insurance, and access to exclusive events and offers. Whether you are looking to earn rewards on everyday purchases, enjoy discounts on dining and entertainment, or benefit from travel-related perks such as airport lounge access and travel insurance, Standard Chartered has a credit card to suit your requirements. The bank also offers secure online account management and mobile app integration, making it easy to track spending, redeem rewards, and manage card benefits conveniently. Through its variety of credit card options, Standard Chartered aims to provide flexible and rewarding financial solutions that enhance the customer experience.

Investment Services

Wealth Management: Standard Chartered Bank Hong Kong provides comprehensive Wealth Management services that offer personalized financial planning and investment advice to help clients grow their wealth. The bank’s wealth management solutions are designed to meet the unique needs of each customer, whether they are planning for retirement, saving for their children’s education, or looking to maximize their investment returns. Clients benefit from a range of services, including portfolio management, access to exclusive investment products, and market insights from financial experts. Standard Chartered’s wealth advisors work closely with clients to develop tailored strategies that align with their financial goals and risk tolerance. Additionally, the bank offers a variety of investment vehicles such as mutual funds, bonds, and securities, providing clients with diversified options to enhance their portfolios. By combining expert advice with a personalized approach, Standard Chartered Bank Hong Kong aims to help clients achieve financial security and long-term prosperity.
Mutual Funds and Bonds: Standard Chartered Bank Hong Kong offers a diverse range of Mutual Funds and Bonds, providing customers with various investment options tailored to their financial goals. Mutual funds allow investors to diversify their portfolios by pooling money with other investors to purchase a mix of stocks, bonds, and other securities, managed by professional fund managers. This option is ideal for those seeking to balance risk and return, with funds available across different asset classes and geographies.
Bonds, on the other hand, provide a more stable investment option, offering regular interest payments over a fixed period. Standard Chartered offers access to government bonds, corporate bonds, and other fixed-income securities, catering to investors looking for lower-risk, steady income streams. The bank’s financial advisors provide expert guidance to help clients select the right mix of mutual funds and bonds based on their risk tolerance, investment horizon, and financial objectives. Through these comprehensive investment options, Standard Chartered Bank Hong Kong empowers clients to build and grow their wealth effectively.
Securities Trading: Standard Chartered Bank Hong Kong offers robust Securities Trading services, enabling clients to access both local and international stock markets through its advanced trading platforms. Investors can trade a wide range of securities, including stocks, ETFs, and derivatives, benefiting from comprehensive market insights and real-time data. The bank’s trading platforms are designed to be user-friendly, providing intuitive tools and features that facilitate informed decision-making.Clients can execute trades quickly and efficiently, monitor their portfolios, and receive updates on market movements, all from a single platform. Additionally, Standard Chartered provides expert guidance and research support, helping investors make strategic decisions to optimize their investment portfolios. Whether you are an experienced trader or a novice investor, the bank’s securities trading services offer the flexibility and resources needed to navigate the complexities of the global financial markets. This service underscores Standard Chartered’s commitment to empowering clients with the tools and knowledge necessary for successful investing.

Insurance Products

Life Insurance: Standard Chartered Bank Hong Kong offers comprehensive Life Insurance plans designed to secure your family’s future. These protection plans provide financial security against life’s uncertainties, ensuring that your loved ones are safeguarded in the event of unforeseen circumstances. The bank’s life insurance products include term life insurance, whole life insurance, and endowment plans, each tailored to meet different coverage needs and financial goals. Term life insurance offers substantial coverage for a specified period, ideal for those seeking affordable protection. Whole life insurance provides lifelong coverage with the added benefit of building cash value over time. Endowment plans combine insurance protection with savings, helping policyholders save for future financial needs such as children’s education or retirement.Standard Chartered’s life insurance plans come with flexible premium payment options and the ability to add riders for enhanced coverage, such as critical illness or disability benefits. The bank’s financial advisors are available to help clients choose the right insurance plan based on their unique circumstances and long-term financial objectives. By offering these tailored life insurance solutions, Standard Chartered Bank Hong Kong aims to provide peace of mind and financial stability for you and your family.
Health and Accident Insurance: Standard Chartered Bank Hong Kong offers comprehensive Health and Accident Insurance plans designed to manage medical expenses and provide financial protection against unexpected events. These plans cover a wide range of medical costs, including hospitalization, surgeries, outpatient treatments, and specialist consultations, ensuring that policyholders can access quality healthcare without facing financial strain. Accident insurance extends financial support in the event of accidental injuries, offering benefits such as lump-sum payments, daily hospital cash, and disability compensation. Customers can choose from various plans to find the coverage that best suits their needs, whether they seek basic protection or extensive coverage that includes wellness benefits and preventive care. The flexibility of adding riders for enhanced benefits, such as critical illness coverage or worldwide emergency assistance, further ensures comprehensive protection tailored to individual requirements. Through these insurance solutions, Standard Chartered aims to safeguard the health and financial stability of its clients, providing peace of mind and security in the face of medical emergencies.
Travel Insurance: Standard Chartered Bank Hong Kong offers comprehensive Travel Insurance plans that cater to all your travel needs, ensuring peace of mind during your trips. These plans provide extensive coverage, including medical expenses, trip cancellations, delays, lost baggage, and personal accidents, helping you handle unexpected incidents that may arise while traveling. Policyholders can benefit from worldwide emergency assistance services, ensuring support is available wherever they are. The flexibility of these insurance plans allows you to select the level of coverage that best suits your travel itinerary, whether for leisure or business. With options to include additional protections, such as coverage for adventure activities or rental car excess, Standard Chartered’s Travel Insurance is designed to provide robust protection, allowing you to travel confidently and securely.

Digital Banking

SC Mobile App: Standard Chartered Bank Hong Kong’s SC Mobile App provides a seamless and convenient way to manage your finances on the go. The app allows you to effortlessly manage your accounts, transfer funds, and pay bills directly from your mobile device. With its user-friendly interface, you can quickly check your account balances, review transaction histories, and set up recurring payments. The app also supports mobile deposits, enabling you to deposit checks using your phone’s camera. Additionally, it offers robust security features, including biometric login and multi-factor authentication, ensuring your financial information is safe and secure. Whether you need to transfer money locally or internationally, the SC Mobile App provides a comprehensive banking experience, making financial management simple and accessible anytime, anywhere.
Online Banking: Standard Chartered Bank Hong Kong’s Online Banking service offers secure and convenient access to your banking needs from any internet-enabled device. This platform allows you to manage your accounts, transfer funds, pay bills, and monitor transactions with ease. Whether you are at home or on the move, you can perform a variety of banking activities, such as checking account balances, setting up recurring payments, and even applying for loans or credit cards. The service is designed with robust security features, including multi-factor authentication and encryption, to ensure your personal and financial information remains protected. With its intuitive interface, Standard Chartered’s Online Banking simplifies financial management, providing a seamless and efficient banking experience that fits into your busy lifestyle.

Business Banking Services

Accounts and Deposits

Business Accounts: Standard Chartered Bank Hong Kong offers a variety of Business Accounts tailored to meet the diverse needs of different enterprises. These include standard business accounts for everyday banking needs, premium business accounts for businesses requiring additional services and benefits, and international trade accounts designed to facilitate global trade with multi-currency support. Additionally, there are specialized accounts for overseas companies, providing solutions for foreign businesses operating in Hong Kong. Each account type is designed to streamline financial management, offering features such as online banking, cash management services, and access to a dedicated relationship manager. These options ensure that businesses of all sizes and sectors can find the right banking solutions to support their growth and operational efficiency.
Multi-Currency Accounts: Standard Chartered Bank Hong Kong offers Multi-Currency Accounts that enable businesses and individuals to manage transactions in 11 major currencies, including HKD, USD, EUR, and RMB. These accounts are designed to facilitate international trade and travel by allowing seamless currency conversions and transactions. With the ability to hold and transfer multiple currencies within a single account, users can efficiently manage their global finances and reduce the costs associated with currency exchange. The multi-currency feature also simplifies financial operations by providing real-time access to funds and streamlined management of international payments and receipts. Standard Chartered’s Multi-Currency Accounts come with robust online and mobile banking platforms, ensuring secure and convenient access to account services anytime, anywhere. This flexibility and convenience make it an ideal solution for businesses engaged in international trade and individuals with global financial needs.

Financing Solutions

Business Loans: Standard Chartered Bank Hong Kong offers custom financing solutions tailored specifically for small and medium enterprises (SMEs), including business installment loans and overdrafts. These financing options are designed to support the unique needs of SMEs by providing flexible terms and competitive interest rates. Business installment loans offer a lump sum of capital that can be used for various purposes such as expansion, equipment purchase, or working capital, with the advantage of fixed monthly repayments. Overdraft facilities provide SMEs with the flexibility to manage cash flow fluctuations, allowing them to draw funds up to an agreed limit and only pay interest on the amount utilized. Both loan options come with the support of Standard Chartered’s expert financial advisors, who help tailor the financing solutions to match the specific requirements and growth objectives of each business. This ensures that SMEs have the financial backing needed to thrive and expand in a competitive market.
Trade Finance: Standard Chartered Bank Hong Kong provides robust Trade Finance solutions designed to support your import and export operations. These solutions include letters of credit, which ensure secure and timely payments between buyers and sellers, and trade finance loans that offer the necessary capital to facilitate international trade. Additionally, the bank offers guarantees that protect against potential risks in international transactions, providing confidence and security to both parties involved. These trade finance services are tailored to enhance the efficiency and reliability of your global trade activities, ensuring smooth operations and mitigating financial risks. By leveraging Standard Chartered’s extensive network and expertise in global markets, businesses can optimize their cash flow, manage trade cycles effectively, and capitalize on new opportunities in the international marketplace.

Cash Management

Payroll Services: Standard Chartered Bank Hong Kong offers comprehensive Payroll Services that streamline payroll processing, Mandatory Provident Fund (MPF) contributions, and tax management for businesses. These services are designed to enhance efficiency and accuracy in handling employee payments, ensuring timely salary disbursements and compliance with regulatory requirements. The payroll service automates the calculation and processing of salaries, deductions, and contributions, reducing administrative burdens and minimizing errors. Additionally, it provides seamless integration with the bank’s online platforms, enabling businesses to manage payroll activities easily and securely. The inclusion of MPF contributions and tax management ensures that all statutory obligations are met, helping businesses maintain compliance with Hong Kong’s labor laws. By utilizing Standard Chartered’s Payroll Services, companies can focus more on their core operations while ensuring that their employees are paid accurately and on time.
Cash Management Solutions: Standard Chartered Bank Hong Kong offers sophisticated Cash Management Solutions designed to optimize cash flow and manage receivables and payables effectively. These tools provide businesses with comprehensive services such as automated payment and collection processes, liquidity management, and detailed cash flow forecasting. By utilizing these solutions, companies can streamline their financial operations, ensuring timely and accurate processing of transactions while reducing administrative overhead. The bank’s advanced online platforms offer real-time visibility into account balances and transaction statuses, enabling better decision-making and financial planning. Additionally, the integration with various payment systems and formats enhances the efficiency of managing both domestic and international transactions. With Standard Chartered’s Cash Management Solutions, businesses can improve their working capital management, minimize risks, and enhance overall financial stability, thereby supporting growth and operational efficiency.

Digital Services

Straight2Bank: Standard Chartered Bank Hong Kong’s Straight2Bank is a powerful online banking platform designed for businesses to efficiently manage their transactions, cash, and trade services. This comprehensive platform offers a suite of tools that facilitate seamless financial operations, including real-time access to account balances, transaction tracking, and payment processing. Straight2Bank supports a wide range of functions such as cash management, trade finance, foreign exchange, and liquidity management, all integrated into a single, user-friendly interface. Businesses can automate their payment and collection processes, enhance their cash flow management, and gain valuable insights through detailed financial reports and analytics. With robust security features and compliance with international standards, Straight2Bank ensures that all transactions are secure and confidential. This platform empowers businesses to streamline their financial operations, improve efficiency, and make informed financial decisions, ultimately contributing to better operational performance and growth.
FX Services: Standard Chartered Bank Hong Kong’s FX Services provide convenient and efficient access to foreign exchange transactions via the SC Mobile App. Clients can utilize spot and forward contracts to manage their currency needs, allowing for immediate transactions or the ability to lock in exchange rates for future dates. The SC Mobile App offers real-time exchange rate monitoring, ensuring that users can make informed decisions based on the latest market conditions. These services are designed to cater to both personal and business requirements, facilitating seamless international trade, travel, and investment activities. The app’s user-friendly interface and robust security features ensure that all transactions are conducted safely and efficiently, providing a reliable solution for managing foreign exchange. With Standard Chartered’s FX Services, customers can optimize their currency management strategies and enhance their global financial operations.

Sustainability Initiatives

Sustainability-Linked Loans: Standard Chartered Bank Hong Kong offers Sustainability-Linked Loans designed to align with your business’s environmental goals. These financing options provide capital while incentivizing sustainable practices by linking loan terms to the achievement of pre-defined sustainability targets. These targets can include reducing carbon emissions, improving energy efficiency, and implementing green operational practices. By meeting these objectives, businesses not only benefit from potentially lower interest rates but also demonstrate their commitment to environmental stewardship. Standard Chartered supports this process with expert advice and comprehensive reporting, ensuring that businesses can track their progress and achieve their sustainability goals effectively. Through Sustainability-Linked Loans, Standard Chartered helps businesses contribute to a more sustainable future while enhancing their financial performance and operational resilience.

Getting Started

Visit the Website: Learn more about products and services by exploring Standard Chartered Hong Kong’s website.
Contact Customer Service(24 Hours) : Reach out for tailored advice and support.Priority Banking (852)2886-8866Premium Banking (852)2886-8877Other Customers (852)2886-8888
Download the Mobile App: Access banking services anytime with the SC Mobile App available for both iOS and Android devices.

Whether you’re seeking personal banking solutions or financial support for your small business, Standard Chartered Hong Kong offers a comprehensive range of products and services designed to meet your needs.