Security Tips

Our Commitment to Service

Standard Chartered recognizes that our customer's expect convenient and secure online services, which is why we implemented SSL encryption for all of our personal online banking services and adopted the One-Time Password (OTP) security mechanism in order to protect your online transactions and personal data. We want to make your life better by offering more convenient services.

 

Personal Online Banking Security Overview

Online banking password security mechanism

We use a "fixed password" + "SMS OTP" at each level to ensure your online banking transactions are safe and secure, allowing you to use online banking services easily and comfortably.

Use of "fixed password" +
"SMS OTP"		 You can log in with your self-set "fixed password" and complete most low-risk transactions and services including designated transactions, trust and investments, etc. To use higher risk services, you will need to enter your "SMS OTP" for security purposes. An "SMS OTP" is a type of OTP (one-time password). A different password will be sent to your mobile phone each time it is requested and will be valid for five minutes. Each password can only be used once.

In addition, 128-bit SSL encryption is used for all personal internal banking data transfers. How do you know when you have entered an encrypted environment? Check and see if the internet address (URL) begins with "https", and then make sure there is a locked lock icon in your browser. If the above are true, then all of the information you send out will be protected by encryption. This will prevent your data from being accessed by a third party during the transfer process.


Multi-layer Protection for a Secure Web Environment

Identity Confirmation When you log into Standard Chartered personal online banking, you will need to enter your ID number, user name, and password. In the case of 3 consecutive failed log-ins, the system will automatically place a temporary lock on your account to ensure security. Please refer to instructions provided from the bank to unlock your account.
Guarding your Transactions Before confirming a specific transaction, you will be asked to enter your fixed password or SMS password a second time for security reasons (please follow the instructions provided). Your transaction will be completed after system confirmation is complete.
No Simultaneous Logins If a second request is made to log in to your account while you are already logged in, the system will recognize it as an abnormality and deny the most recent login attempt as well as log out the current user. Please re-open your browser and try to log in again after 5 minutes. If this situation is caused even after following regular procedures to log out, please contact our customer service centre 4058-0088. Mobile phone users should dial (02) 4058-0088.
Automatic log-out If you do not complete a transaction within 5 minutes after logging into Standard Chartered personal online banking, the system will send out an automatic reminder asking if you wish to continue to use the service. If there is no response within 1 minute, we will automatically log you out to ensure your account safety.
Protecting Your Security Standard Chartered personal online banking is monitored by our expert staff 24 hours a day to prevent abnormal transactions and unauthorized log-ins. We are committed to providing safe and secure transactions and services at all times.If you have any questions or problems during your use, please contact our 24 hour customer service centre at 4058-0088, for mobile phone users please dial (02) 4058-0088, we will provide you with the most caring services.
Security Mechanism Overview

  • Standard Chartered personal online banking adopts the advanced SSL security mechanism that is a symmetric encryption/decryption to provide whole data encryption, ensuring the data privacy and completeness without being intercepted or cracked during transfer. "Password" and "SMS password" security mechanisms are also used to further protect your online transaction and personal information.
  • Check your SMS:
    (1) Whenever you wish to perform a undesignated transfer in personal online banking, we will send a set of 6 digit one-time-use password and a partial information of the transaction to your mobile phone number through SMS.
    (2) Please verify the transaction information in the SMS is accurate, then proceed to enter the one-time-use password on the webpage.
    (3) Do not let any third party know your one-time use password (Standard Chartered will never ask for your password).
    (4) You will also receive an e-mail notification (if an e-mail address is saved) after the completion of your transaction, please verify the transaction information in your e-mail notification.
  • Please verify your the date and time of your last log-in whenever you log in to online banking.
  • Regularly check your account balances and monthly statement, to see if there's any irregular transaction.
  • If you need to change your contact information, please visit our branches or contact customer service centre.

 

Precautions for Use of Personal Internet Banking

  • Please be aware of malware attacks.
  • To protect your rights and interests, the system will ask you to re-log in if there's any action within 5 minutes after logging in to personal online banking; and as a result of system processing account transfers, during certain transaction hours account transfers will not be available. We apologize for any inconvenience caused! After using Standard Chartered personal online banking services, please remember to log out and close the internet browser window. Never leave your computer unattended during your online banking session.
  • Customers who use password to log in, in case of consecutive failed log-in attempts or forgotten username, please refer to online instructions to unlock the account.
  • Make a habit of changing your Username or Password regularly as it can further protect your online banking security. Do not use personal information as your PIN or Password that can be easily guessed or retrieved by fraudulent parties, e.g., ID number, date of birth, and phone number. Refrain from using these. Keep your account information private, and do not share your customized username or Password with other individuals. Do not write down and keep your PIN or Password in a place where it can easily be obtained or seen by unwanted individuals.
  • Pay attention to your Transaction Notification when you receive it via e-mail. Try to immediately verify the transaction and if you find or suspect that your personal online banking account has been used by unauthorized individuals, please contact our Customer Service Line at 4058-0088, or for mobile phone users please dial (02) 4058-0088.
  • Please store your "mobile phone" in a safe place:
      "Mobile phone " means the specified cell phone number to receive SMS password and its hardware and software including the SIM card and documents, please keep properly and do not transfer, lend to, or in any way give to any other third party. Please keep your user number and password safe and never give your password to a third party. (Reminder: Standard Chartered staff will never ask you for your password). If you receive strange e-mails requesting you to provide account information or important personal information, please ignore them. If you have questions, please contact Standard Chartered directly.
  • Do not use public computers (e.g., Internet Cafe, Public Library, Hotels, etc.) to logon to your personal online banking services. Always pay attention to your surroundings to prevent individuals from seeing your personal login information.
  • Beware of phishing websites (fake websites that appear to look like authentic banking website). Please verify the online banking internet address, and do not connect through unknown pages or e-mail links to avoid any potential scam. It is recommended that you add Standard Chartered's official website (http://www.standardchartered.com.tw) to "My favorites" in your browser’s Bookmarks tab.
  • Please use Microsoft IE6, IE7, IE8, IE 9, Firefox, Safari or above browsers, and set your display to 1024 × 768 × 256 colors and above resolutions for maximum user experience.

The use of personal online banking means not having to line up and not having to rush anymore. Now you can easily use banking services from the comfort of your own home. It is the smartest choice in a busy life. Standard Chartered understands your concern about the safety of online transaction, please follow the above mentioned instructions to use personal online banking and you will be able to enjoy its fast and convenience service.

 

Online Security Guidelines

  • Type your internet banking URL
    Always access our internet banking by typing the correct URL (www.standardchartered.com.tw) into your browser. Never click on a link in an email to take you to a website, or enter personal details either in the email or website.
  • Password and PIN security
    You should always be wary if you receive unsolicited emails or calls asking you to disclose any personal details or card numbers. This information should be kept secret at all times. Be cautious about disclosing personal information to individuals you do not know.
    Please remember that we will never contact you directly to ask you to disclose your PIN or your full password information.
  • If it sounds too good to be true...
    It probably is. Don't be conned by convincing emails offering you the chance to make some easy money. As with most things, if it looks too good to be true, it probably is. Be cautious of unsolicited emails from overseas - it is much harder to prove legitimacy of the organisations behind the emails.
  • PC security
    It is important to use up-to-date anti-virus software and a personal firewall. If your computer uses Microsoft Windows, it is important to keep it updated via the Windows Update feature, equally if you use another operating system you should check regularly for updates. You should be vigilant if you use internet cafes or a computer that is not your own and over which you have no control.
  • Keep your identity private offline
    Your identity can be as easily stolen offline as it can online. It is important that you comply with instructions about destroying new PIN numbers and expired bank cards.
    You should also consider using a crosscut shredder to destroy bank and other statements that may contain sensitive personal information. It is advisable to store retained documents in a suitable locked and fireproof container.
  • Check your statements
    It is important to check your statements regularly; a quick check will help identify any erroneous or criminal transactions that might have been performed on your account without your knowledge.
  • Check your banking session is secure
    When undertaking any banking on the internet, check that the session is secure. There are two simple indicators that will tell you if your session is secure. The first is the use of https:// in the URL. Some browsers such as Mozilla Firefox change the colour of the url window when you are in a secure session. The other indicator is the presence of a digital certificate represented by a padlock or key in the bottom right hand corner. If you double click on this icon it should provide you with information about the organisation with which you have entered in to a secure session.
  • Check for spyware
    In addition to being protected by using up-to-date antivirus software you should also regularly use software to remove spyware from you computer, as these programs record information about your internet use and transmit it without your permission. In some circumstances this can compromise your PC security.
  • Ensure you log off properly
    It is important to completely log off from your internet banking session; simply closing the window you performed the transaction in may not close the banking session. If your computer is infected with a Trojan, your session may become hijacked by a criminal and financial transactions may be performed without your knowledge. It is also advisable to disconnect from the internet if you are not planning to use it.
  • What we do to make your online banking session secure
    We use a combination of Secure Socket Layer (SSL) protocol and passwords to protect your information. In addition, stronger authentication is used as appropriate to particular markets.


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