User Guide - Standard Chartered
Transcript of User Guide - Standard Chartered
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User GuideOnline Banking & Mobile Banking
Apr 2020
Overseas Remittance with Foreign Currencies
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Part 1 - Online Banking Payee Creation
Overseas Remittance with Foreign Currencies
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Part 1 - Online Banking Payee Creation
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1 Payee Creation Initiation
1.1 – Add Bank Info by BIC/SWIFT Code (Recommended)
1.2 – Add Bank Info by Bank Name Search
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Add Payee Detail Information
Confirm Payee Detail Information
Completed Payee Detail Information
Edit/Supplement Payee Detail Information
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1. Payee Creation Initiation
1. Login Online Banking. Click “To Overseas”under “Transfer
Money”.
2. Click“Add Telegraphic Transfer Beneficiary”.
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1.1. Add Receiving Bank with BIC/SWIFT Code
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1. Select the appropriate Payee Type. Click“Individual”if the payee is an
individual person or “Corporate” otherwise.
2. Select the Payee Bank’s Country from“Country/Market”dropdown list
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1.1. Add Receiving Bank with BIC/SWIFT Code
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4 Char Bank Code
2 Char Location Code
2 Char Country Code
3 Char Branch Code (default to
use XXX if not specified)
BOFAUS3NXXX
Swift Code General Structure
The SWIFT code / BIC code is made up
of 8 or 11 characters,
Broken down as follows:
➢ 4 letters: Institution Code or bank code.
➢ 2 letters: country code
➢ 2 letters or digits: location code
➢ 3 letters or digits: branch code
Note: Where an 8-char code is given, Please
append XXX at the end to change to 11 chars
before searching or an error code “2000” bank not
found will be displayed
1. (Recommended approach) Search for bene bank by BIC/SWIFT Code.click the radio button, input a 11 char SWIFT code (add XXX at the end if 8 char SWIFT code given to you).
2. Click“Next”button to Search.
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1.1. Add Receiving Bank with BIC/SWIFT Code
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4 Char Bank Code
2 Char Location Code
2 Char Country Code
3 Char Branch Code
BOFAUS3NXXX
Frequently Used BIC/SWIFT Code for Example:
To Hong Kong
Standard Chartered Bank (Hong Kong) Limited
SCBLHKHHXXX
HSBC (Hong Kong) Limited
HSBCHKHHHKH
To USA
JPMorgan Chase Bank, National Association
CHASUS33XXX
Bank of America, National Association
BOFAUS3NXXX (for USD)
BOFAUS6SXXX (for other currency)
To Singapore
Standard Chartered Bank (Singapore) Limited
SCBLSG22XXX
DBS Bank Ltd
DBSSSGSGXXX
1. Examples of SWIFT codes for common destination banks
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1.1. Add Receiving Bank with BIC/SWIFT Code
1. Make sure the Bene Bank Country/Market and Bank Name is Correct. The City may be different (which is fine) as SWIFT code is usually linked to head office branch.
2. Select a branch with the correct BIC/SWIFT Code (Always 11 chars, so if SWIFT code given to you was 8 chars, look for any branch with XXX at the end with the same first 8 chars).
3. Click“Next”button to Add.
Note:
Please select the Same BIC/SWIFT
Code as the one provided to you
by your receiving bank. (If you
can’t find your branch name, just
choose any branch with the same
BIC/SWIFT Code you want)
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1.2. Add Receiving Bank by Bank Name Search
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1. (Alternatively you can also try) Click “Search by Bank”2. Start typing the receiving bank name in the dropdown list
and select the receiving bank name from the filtered list.Choose your bank’s city.
3. Click“Next" button to Search.
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Note: If you need to transfer fund to HSBC
Hong Kong, please type the complete bank
name as“The Hongkong and Shanghai
Banking Corporation Limited”
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1.2. Add Receiving Bank by Bank Name Search
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Note:
Please select the Same BIC/SWIFT
Code as the one provided to you
by your receiving bank (Choose
ANY branch with the Same
BIC/SWIFT Code you want with XXX
at the end if yours was 8 chars)
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1. Check the Bene Bank Country/Market and Bank Name2. Select a branch with the correct BIC/SWIFT Code (11 chars) 3. Click“Next”button to Add
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2. Add Payee Detail Information
1. Fill in the “Beneficiary Account
Details”. For European destination
banks, the IBAN code is used instead
of Account No.
2. For“Individual”Payee,please
input “First Name” and “Last Name”
Only English Characters are allowed
in these fields to fulfil the fund transfer
message standard.
3. Select Payee Nationality. The bene
resident status will be selected
automatically based on nationality.
Note: The items marked with“*”must
be filled in/selected to move to next page
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2. Add Payee Detail Information
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1. Please select the Payee’s Address
Country/Market (where the payee is residing)
2. Please input the Payee’s City and Address.
Special characters (e.g. $,%,#,@ &, etc..) is
not allowed in these fields as the remittance
will be rejected if there is any special
character in payee address. (Remittance
request to some destinations like the US,
Canada will require Postal Code)
3. Click “Next” to submit the Payee Creation
Request.1
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3. Confirm Payee Detail Information
Please review the payee
account, personal details and
address information you’ve
provided (especially Payee
Account Number (or IBAN
No.), Currency, Payee Name)
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3. Confirm Payee Detail Information
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Please review the payee bank
information you’ve provided
(especially Payee Bank
Country/Market, BIC/SWIFT
code, Bene Bank Name)
1. click“Confirm”to
complete the payee creation
and you are DONE.
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4. Complete Payee Creation
1. After Payee created successfully,
you may click“Transfer to
Beneficiary”button to enter the
overseas remittance request page
immediately or
2. You may also click“Manage
Beneficiary”button and return to
“To Overseas”page where you
will see your entire payee list if
you want to remit at a later time.
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5. Edit/Supplement Payee Detail Information
1. In order to help make your overseas remittance a fully automated process, if you have
never updated your Payee information before, the system will prompt you to
supplement some payee details before you can transfer to the payee (even if it was
an existing payee used before Feb 17 2020)
If the marker is Grayed out, you can now initiate a transfer to the payee
If the marker is Blue, you will need to supplement some payee details first before transferring
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5. Edit/Supplement Payee Detail Information
1. If you are supplementing information for an old payee, you will need to ensure the
Beneficiary type is either Individual or Corporate.
2. Please select the Beneficiary Bank’s Country/Market
3. Your original SWIFT code will be filled in for you. If it was 8 chars, you will still need
to add XXX at the end to make it 11 chars Before clicking “Next”
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1. Make sure the Bene Bank Country/Market and Bank Name is Correct. The City may be
different (which is fine) as SWIFT code is usually linked to head office branch.
2. Select a branch with the correct BIC/SWIFT Code (Always 11 chars, so if SWIFT code given to
you was 8 chars, look for any branch with XXX at the end with the same first 8 chars).
3. Click“Next”button to Add.
Note:
Please select the Same BIC/SWIFT
Code as the one provided to you
by your receiving bank. (If you
can’t find your branch name, just
choose any branch with the same
BIC/SWIFT Code you want)
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5. Edit/Supplement Payee Detail Information
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5. Edit/Supplement Payee Detail Information
1. Ensure Bene Account details is
correct. For European Destination
Banks, the IBAN number is needed
instead of account number to ensure
successful delivery. Please update to
IBAN number format (International Bank
Account Number established by European
Committee for Banking Standards).
2. Beneficiary Last Name: Please
remember to fill in the last name as
well which is a mandatory field. If you
find the last name is already inside the
first name, please revise both fields.
3. Nationality – Choose nationality of bene
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1. Please input the City of the Beneficiary’s Address
2. Please review the Address is correct. Special characters (e.g. $,%,#,@ &, etc..) is not allowed
in these fields as the remittance will be rejected if there is any special character in payee address
3. For some destinations like US, Canada, UK, etc., the postal code/zip code is needed
4. Click “UPDATE” to submit the Payee Update Request
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5. Edit/Supplement Payee Detail Information
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Overseas Remittance with Foreign Currencies
Part 2 - Online Banking Remittance
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Part 2 - Online Banking Remittance
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1 Remittance Initiation / Acceptance of Risk Disclosure
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Input Transfer Details
Confirm Transfer Details
Input Mobile OTP (one time password)
5 Check Txn Status from Transfer History
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1. Overseas Remittance Initiation
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1. Click“Transfer”to initiate the Overseas Remittance
to the payee
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1. Acceptance of Risk Disclosure
1. Please read and understand the Overseas Remittance Tariffs.
Correspondent Bank charge is ONLY applicable if you choose
“OUR” option as sender to bear all the overseas bank charges.
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Optional - if
you choose
to pay for
Remitter
Bank
Charges
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1. Acceptance of Risk Disclosure
1. Click the URL of“Retail
Banking Service Charge
Table ”to read the details.
Then tick the check-box.
2. Click the URL of“Risk Alerts
for Individual Foreign Exchange
Transactions”and read the
details in the pop-up window.
Then click“Okay”to close the
pop-up window and tick the
check-box.
3. Click“Accept”button to move
to the next page.
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2. Input Transfer Details
1. Select your bank account to
transfer from and fill in the
transfer amount in “Transfer
Details”section.
2. Select the appropriate BOP
code in “Beneficiary
Personal Details”section. 1
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2. Input Transfer Details
1. Select “Transfer Charges ”payment method and payment
account (if choosing OUR or SHA).
2. Click“Yes”to complete the“Declaration”(If select“No”,you will be required to modify the historical FX
purchase purpose on the next page). This option is only visible
to Chinese Residents remitters.
3. Click“Next”to submit the transfer request.
Tip# 1After selecting the “Overseas Transfer Charges”payment method and the charge account,the charges amount will be calculated and displayed immediately.
Tip# 2Choosing (OUR) means YOU are willing to pay for ALL charges of remitter bank and overseas banks. The benefit is the beneficiary may receive the entire remittanceamount in full.
Choosing (SHA) means YOU are willing to pay only the remitter bank charge from your account. Even if charges amount is 0.00, is does not mean the beneficiary will receive the full amount (after debited by overseas banks)
Choosing (BEN) is similar to SHAexcept that remitter bank charge is also deducted from the transfer amount directly.3
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Click on the URL link to understand more about telegraphic transfers
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3. Confirm Transfer Details
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1. Please review the Transfer Details are accurate and
click“Confirm”to submit the remittance request
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4. Input Mobile OTP
1. Input the OTP code received on your registered mobile phone
2. Click“Submit”to complete the remittance submission and you are DONE
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5. Check Txn Status from Transfer History
1. You can check the status of your telegraphic transfer in the Online Transfer History page. “Successful” indicates the funds have been debited from your account & remitted out.
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Overseas Remittance with Foreign Currencies
Part 3 – Mobile Banking Remittance
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Part 3 - Mobile Banking Remittance
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1 Remittance Initiation / Acceptance of Risk Disclosure
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Input Transfer Details
Confirm Transfer Details
Input Mobile OTP (one time password)
5 Check Txn Status from Transfer History
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1. Overseas Remittance Initiation
1. Login SC Mobile Banking APP (iOS or Android version) and click the“Move”tab
2. Click“Select an account” (Android) and then click To Overseas”(iOS & Android) in the menu
3. Click“Transfer”button next to the payee that is already created
Note:For financial risk management purpose, Payee Creation Function is only available in Online
Banking. Once you’ve created the Payee via Online Banking, you will be able to perform fund transfer
via Online Banking and Mobile Banking APP as well. Thank you for your understanding.
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1. Acceptance of Risk Disclosure
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1. Review the Overseas
Remittance Tariff Table (by
customer segment).
2. Click the URL of“Retail
Banking Service Charge
Table ”to read the details.
Then tick the check-box.
3. Click the URL of“Risk Alerts
for Individual Foreign Exchange
Transactions”and read the
details in the pop-up window.
Then click“Okay”to close the
pop-up window and tick the
check-box.
4. Click“Accept”button to move
to the next page.
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2. Input Transfer Details
1. Select your bank account to transfer from and fill in the transfer amount in “Transfer
Details”section.
2. Select the appropriate BOP code in “Beneficiary Personal Details”section.
3. Select “Transfer Charges ”payment method and payment account (if choosing OUR or SHA).
4. Click“Yes”to complete the“Declaration”(If select“No”,you will be required to modify the historical FX purchase purpose on the next
page.) This option is only visible to Chinese Residents remitters.
5. Click“Next”to submit the transfer request.
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Tip# 1The charges amount will be calculated and displayed immediately after selection.
Tip# 2Choosing Only me (OUR) means YOU are willing to pay for ALL charges of remitter bank and overseas banks. The benefit is the beneficiary may receive the entire remittance amount in full.
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3. Confirm Transfer Details
1. Please review the Transfer Details are accurate and
click“Confirm”to submit the remittance request
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4. Input Mobile OTP
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1. Input the OTP code received on your registered mobile phone2. Click“Submit”to complete the remittance submission and you are DONE
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5. Check Txn Status from Transfer History
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1. You can check the status of your telegraphic transfer in the “History”menu.2. Click on any Telegraphic Transfer Txn to see the status. “Successful”
indicates the funds have been debited from your account & remitted out.
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Android iOS
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