What is the official website of the payment service?
https://www.sc.com/ke/
https://www.sc.com/ke/
Customer support contacts are available at the bottom of the Standard Chartered Kenya homepage under the 'Contact Us' section.
+254 20 329 3900
Toll-free number is 0800 720 044, accessible in Kenya.
Separate emails are commonly provided for different departments such as complaints, corporate inquiries, and card support to streamline responses.
Online chat support can be accessed through the official website via a live chat widget during business hours.
Chat support typically operates during standard business hours on weekdays, while some general inquiry chatbots may be available 24/7.
WhatsApp support is available; customers can chat with Standard Chartered via +254 722 203666.
Support is generally available Monday to Friday, 8:00–17:00, with some channels offering extended or limited weekend hours.
Some digital channels and hotlines may offer partial or limited weekend and holiday support, but branch services often do not operate.
There are regional branches and offices in major Kenyan cities where customers can visit for service.
Main office is at Stanbank House, Moi Avenue, Nairobi; branches are in Mombasa, Kisumu, Eldoret, and other urban centers.
Personal meetings can be scheduled via phone or online, typically by calling the branch or using appointment booking tools.
Standard Chartered has a global presence, with representative offices in multiple countries outside Kenya.
Support is available in English and Swahili, the main business and national languages in Kenya.
Responses typically occur within a few minutes for calls and chat, while email queries may take from a few hours up to 24 hours.
Priority banking clients receive expedited support and have access to dedicated relationship managers.
Callback services can be requested through the hotline or via the website contact form, with scheduling based on staff availability.
Standard Chartered Kenya was established in 1911.
Standard Chartered Kenya is a subsidiary of Standard Chartered PLC, based in the UK; no single individual founder.
The company is registered in Kenya.
Started as a colonial-era bank, expanded through mergers and tech innovation, and now offers comprehensive digital and traditional financial services.
Standard Chartered has updated its logos, launched digital channels, and rebranded branches as part of ongoing modernization efforts.
The board features a Chief Executive Officer, Managing Directors, and a mix of independent and non-executive directors (listed on the website).
Major shareholders include Standard Chartered PLC and local Kenyan institutional investors; the bank works with various partners and payment networks.
Yes, Standard Chartered Bank Kenya is listed on the Nairobi Securities Exchange under the ticker SCBK.
Market capitalization varies; as of recent reports it hovered around KES 47 billion.
The bank has multiple branches in Kenya and is part of the wider Standard Chartered Group with subsidiaries in many countries.
Licensed by the Central Bank of Kenya as a commercial bank and authorized for digital financial services.
Operates in Kenya and, through the Standard Chartered Group, in other jurisdictions in Africa, Asia, and the Middle East.
Standard Chartered Kenya does not currently hold licenses for cryptocurrency operations.
Full compliance with Kenyan and international AML/KYC requirements, including customer identification and transaction monitoring.
Complies with PCI DSS for card processing and adheres to strict global security standards.
Regular security audits are conducted internally and externally to validate compliance and control effectiveness.
Funds in bank accounts are insured up to the statutory limits by the Kenya Deposit Insurance Corporation (KDIC).
Complies with ISO standards for information security, PCI DSS, and other banking industry norms.
Major regulatory fines or violations are rare and publicly disclosed when they occur, following best practices in transparency.
Customer reviews are available on Google Reviews, Trustpilot, and local financial forums.
Common complaints include processing delays, occasional digital platform downtime, and issues with account maintenance fees.
Users praise efficient customer service, comprehensive digital banking, secure payment methods, and widespread ATM/branch access.
Occasional delays may occur, especially for large sums or during public holidays, but major issues are uncommon.
The digital interface is considered user-friendly, though some users mention occasional app or web platform glitches.
Most clients report satisfaction with transaction processing speed, particularly for in-country payments.
Many customers recommend the service, especially for personal and business banking.
Financial sector experts consider Standard Chartered Kenya a safe, reliable bank with robust compliance and security.
Has received numerous industry awards for digital innovation, banking excellence, and customer service.
Routinely features in Kenyan and regional bank rankings for customer satisfaction and digital capability.
Endorsed by regulators for compliance and prudent management.
Highly regarded for reliability, financial strength, and prompt settlement.
Recognized for innovation in digital banking, mobile app capabilities, and payment technologies.
Holds quality service certifications as per local and international banking standards.
Regular participant and sponsor in financial services conferences and technology summits.
Positions as a premier international bank offering secure, innovative, and customer-focused payment solutions.
Kenyan Shilling (KES), US Dollar (USD), Euro (EUR), British Pound (GBP), and others for international transactions.
Cryptocurrencies are not supported for consumer or business transactions.
There is no proprietary cryptocurrency or token in use.
Currency conversion is available for supported fiat currencies, both online and in-branch.
Exchange rates are based on prevailing interbank rates with a margin applied, published daily by the bank.
Exchange rates are updated regularly throughout the day in response to market conditions.
Stablecoins are not supported.
Certain exotic currencies can be handled on request for international payments, subject to approval.
Restrictions apply based on regulatory controls and international sanctions.
Supports local transfers, international wire transfers (SWIFT), mobile money integration, card payments, and standing orders.
Yes, account-to-account transfers between Standard Chartered customers are supported.
Transfers to bank cards are generally not supported; funds are transferred to bank accounts or via mobile money.
Yes, both domestic and international bank account transfers are available.
Bill payment services are offered through online banking and mobile app channels.
Recurring payments and standing orders can be set up for regular transfers and bill payments.
Automatic transfers are supported via standing order and scheduled payments.
Payment scheduling is available for both local and cross-border payments.
Group payments are not standard, but business or bulk payment services are available.
Payment link generation is not widely available; merchants use integrated payment gateway solutions.
Minimum amounts vary; for example, mobile transfers start from as low as KES 10.
Maximums depend on verification level and transaction type; large sums may require additional checks.
Daily transaction limits exist, especially for online and mobile channels.
Monthly and annual transaction limits are based on account type, KYC, and regulatory requirements.
Limits can be increased by submitting additional KYC documentation and applying through customer service.
Fully verified users are offered higher transaction limits compared to basic-account holders.
New accounts may have temporary transaction and withdrawal limits until full verification is completed.
Limits may vary for international transactions based on regulatory and compliance factors.
Temporary blocking of account operations is possible for security or regulatory concerns.
Daily count limits may apply, particularly for certain transaction types such as mobile money.
Minimum deposit amounts depend on the chosen funding method and account type; low thresholds enable wide access.
Supported methods include cash deposits, mobile money (M-Pesa), bank transfers, and cheque deposits.
Fees depend on funding method; cash and cheque deposits at branches are often free, while mobile payments may incur a charge.
Minimum funding amounts are set per account type; mobile deposits may start as low as KES 10–50.
Cash and mobile money transfers are credited instantly or within minutes; cheque deposits may take longer.
Withdrawals can be made via ATM, over the counter, or by transferring funds to another bank or mobile wallet.
Withdrawal fees apply for ATM use, cross-bank withdrawals, and mobile money sends, depending on the channel.
ATMs and branch withdrawals are instant; interbank transfers may take 1–2 business days.
Withdrawal limits vary by account type, the withdrawal method, and verification status.
Card-based funding is usually credited instantly or within minutes.
Domestic transfers can be instant or same-day; international transfers may take up to 3 business days.
Cryptocurrency transfers are not supported.
Internal transfers between Standard Chartered Kenya account holders are generally processed instantly.
Funding via digital channels is generally instant, but interbank credits may be delayed.
Processing times for certain funding channels may be affected by national or bank holidays.
Express crediting is not standard, but high-value clients may request expedited handling.
Processing speed is determined by payment method, time of day, technical issues, and anti-fraud checks.
Customers receive SMS, email, or app push notifications about funding and transaction statuses.
Contact customer support, provide transaction details, and confirm compliance with funding method requirements.
Instant for cash/ATM, up to several hours or one business day for interbank or mobile money withdrawals.
ATM withdrawals are instant; branch counter withdrawals may require identity verification and take longer.
Local bank transfers are same-day or next-day; international transfers can take 1–3 business days.
Cryptocurrency withdrawals are not supported.
Withdrawal processing via ATMs is instant, but interbank and mobile channels may experience delays.
Withdrawal speeds can be affected by local and international public holidays, especially for bank transfers.
Expedited withdrawal is not customer-facing for personal accounts but may be available for select corporate clients.
Withdrawal speed depends on method, time of request, account verification, and anti-fraud controls.
Customers are notified of withdrawal status via SMS, email, or app notifications.
Withdrawal cancellation depends on the status; ATM withdrawals are final, but pending transfers may be canceled by contacting support early.
Registration can be done online or at a branch by providing identity details, address, and KYC documents.
ID number, personal details, address, contact information, and sometimes income source documents are required.
Registration ideally requires an email, but alternatives like phone number registration may be offered in-branch.
Phone number confirmation is typically required for digital account setup.
Applicants must be at least 18 years old to register for banking services.
Corporate and business accounts are available, requiring company registration documents and authorized signatory IDs.
Accurate, verifiable information is required for compliance with legal, regulatory, and anti-fraud policies.
Registration is restricted to Kenyan residents or businesses meeting local regulatory requirements.
Digital account activation is usually immediate; full functionality follows document verification.
There are tiered verification levels with increasing transactional limits and access to services based on documentation.
National ID, KRA PIN, proof of address, and phone contact are typically required for entry-level verification.
Additional documents such as income proof, employer letter, or business registration may be required for higher verification.
Digital copies and scans of documents are accepted for online registration and verification processes.
Verification may take from a few minutes up to 24–48 business hours depending on workload and document sufficiency.
Limited services may be available without full verification, but most functions require identity verification.
Unverified users face limited transaction amounts, fewer services, and lower account security levels.
Proof of address is required as part of KYC and anti-money laundering procedures.
A selfie with documents may be required during enhanced due diligence or full digital onboarding.
Document updates are required periodically, typically every few years or upon expiration or regulatory review.
Utilizes SSL/TLS encryption and secure network protocols for online and mobile services.
Two-factor authentication (2FA) is supported for account access and select sensitive operations.
SMS verification codes are sent for transactional confirmations and security alerts.
Biometric login (Face ID, fingerprint) is available on supported smartphones via the Standard Chartered mobile app.
Blockchain is not currently implemented in consumer payment services.
Multi-factor security is standard, including device registration, OTPs, 2FA, and behavioral monitoring.
User data is protected through strict privacy policies, encryption, secure storage, and adherence to data protection laws.
Not applicable, as cryptocurrency services are not offered.
Advanced DDoS protection and cybersecurity measures are in place for all online services.
Regular audits are performed by internal teams and external security experts.
Education, secure web domains, transaction alerts, and real-time fraud monitoring protect against phishing.
Advanced automated monitoring systems detect and flag suspicious transactions for review.
Employs transaction monitoring, risk scoring, and robust KYC to prevent and report suspicious activity.
Suspicious accounts may be temporarily or permanently blocked based on anti-fraud monitoring.
Customers should immediately notify the bank via official contact channels to trigger investigation and remedial action.
Suspicious activity can be reported via phone, email, in-branch, or through online platform complaint forms.
Compensation is reviewed case-by-case, often dependent on proof of customer diligence and internal investigations.
Users have rights to dispute unauthorized or erroneous transactions per bank policies and industry regulations.
Disputes on account blocks are handled via customer support, with review and escalation procedures.
Institution-level cyber insurance may be in place, but individual consumer losses are generally handled via fraud reimbursement policies.
Fees for transfers vary by type—internal transfers are often free, others depend on channel and value.
Some funding channels, like mobile money, may incur fees; cash and cheque deposits are typically free.
Withdrawal fees apply to ATM use, interbank, and mobile money channels as per the tariff schedule.
A margin is applied to the exchange rate as the primary conversion fee.
Inactive accounts may attract maintenance or dormancy fees after a long period of no activity.
Account maintenance fees are charged for certain account types as disclosed in the fee schedule.
Most operation cancellations are free if initiated early; completed operations may incur reversal charges.
Expedited or express service fees apply for urgent wire transfers or special processing requests.
All applicable fees are disclosed in the public tariff guide; customers are urged to review official materials to avoid surprises.
Larger transactions may incur tiered or percentage-based fees according to value brackets.
Different account types, such as personal, premium, and business, come with distinct pricing structures.
VIP clients receive preferential rates, higher transaction limits, exclusive offers, and dedicated support.
Preferential terms may be granted based on relationship value, account type, or by direct negotiation.
Selected account types offer a number of free internal transfers or ATM withdrawals each month.
Volume discounts or loyalty-based rebates may be offered to highly active or premium clients.
Corporate clients benefit from specialized tariff plans tailored to business transaction volumes and needs.
High-value clients can negotiate custom pricing and transaction terms.
From time to time, promotional codes or campaigns may offer fee reductions.
Cashback or reward programs are occasionally run, often tied to specific card products or partnerships.
Large business clients may benefit from reduced rates based on monthly transaction volume.
Yes, the Standard Chartered Mobile Kenya app is the official application.
Available for iOS on the App Store and Android on Google Play.
The app supports balance checks, funds transfer, bill payments, account management, card services, and customer support.
Mobile and web offer similar core banking features, with some app-exclusive services like biometric login.
Both Touch ID and Face ID or Android biometrics are supported for secure app login.
The mobile app requires internet connectivity for most functionality; offline access is not supported.
Users receive push notifications about transactions, alerts, and important account events.
Dark mode is available in the latest versions of the mobile app.
Updates are typically rolled out monthly or quarterly based on security and feature enhancements.
Beta testing programs may exist for select users to trial new features.
The web platform is designed to be intuitive, with responsive layouts and clear navigation.
The web interface is responsive and accessible from both desktop and mobile browsers.
English and Swahili interfaces are supported.
Night or dark mode may be available on the website or browser-enabled.
Browser-based hotkeys may work, though custom hotkey support is limited.
Account statements and transaction histories can be exported in PDF or Excel format.
APIs for corporate users and partners are available, enabling integration with payroll and payment systems.
Yes, integration with mobile money, billers, and some accounting platforms is supported.
Web updates are released periodically, usually quarterly, with feature enhancements and security patches.
Virtual cards are offered for digital payments and card control functions.
Disposable or single-use virtual cards are not standard but may be introduced for security-focused customers.
Multi-currency accounts are available for eligible clients, especially business and premium tiers.
Investment options include fixed deposits, mutual funds, and forex services.
Interest is paid on savings and fixed deposit balances per published rates.
Credit cards, personal and business loans, and overdrafts are available.
Peer-to-peer trading is not supported within consumer retail banking services.
Cryptocurrency trading services are not available.
Merchant acquiring and payment gateway services are provided for businesses.
Mass payouts and bulk payment services are available for business and institutional clients.
Loyalty and rewards programs are available for select cardholders and high-value clients.
Bonus points are earned through transaction volume or use of qualifying products and services.
Cashback offers apply mainly to credit card customers during promotional periods.
Referral programs may be conducted periodically for customer acquisition drives.
Dedicated managers, higher limits, priority service, preferential rates, and exclusive offers are some VIP privileges.
Various promotions are run seasonally, targeting both retail and business customers.
Premium account status is available based on qualifying criteria like account balance or income.
Discounts are available through affiliated merchants and service partners.
Corporate loyalty initiatives are typically tailored for commercial clients meeting specific criteria.
Standard Chartered generally does not support transactions directly with online casinos due to policy and regulatory restrictions.
Restrictions are in place; gambling-related transactions may be blocked or flagged in accordance with policy.
Accounts can be flagged or blocked if used for prohibited gambling activity per terms.
Maintains a cautious approach, focusing on regulatory compliance and responsible banking.
Typically, gambling transactions are restricted and not encouraged.
Gambling transactions are tracked for risk and regulatory compliance.
Transactions are transparently recorded on statements for compliance and accountability.
Notifications are not specifically tailored for gambling expenses unless requested.
Special fees do not apply, but transactions may be blocked.
Spending limits may be set through card controls or by customer request.
Formal self-exclusion features may not be standard; account controls can be requested for risk management.
Blocks can be placed on cards or accounts to prevent gambling site transactions.
Gambling expenditure control is achievable through account spending limits and controls.
Alerts are provided if spending or transaction limits are exceeded.
Yes, at the discretion of the bank due to policy or customer request.
Detailed analytics for gambling expenses are typically not standard but can be monitored via transaction history.
Cooling-off periods for gambling are not standard features, but temporary account blocks can be requested.
The bank may refer customers to external support organizations for assistance with gambling addiction.
No formal partnerships, but information and referrals to assistance organizations may be given on request.
Customers can set up custom alerts for certain transaction types via online banking or app settings.
Acceptance of Standard Chartered cards or accounts at online casinos varies and is subject to merchant and policy restrictions.
There are no known partnerships between Standard Chartered Kenya and online casinos.
Transaction policies are uniform, but merchant acceptance and restrictions may vary platform to platform.
No special bonuses are provided by the bank for transactions with online casinos.
Standard Chartered generally restricts casino-related payments and withdrawals, subject to policy.
Kenyan and international rules may restrict gambling transactions in certain jurisdictions and with certain merchants.
Standard payment card or bank transfer processing is used, subject to compliance checks.
If allowed, processing times are similar to regular card or bank transactions, usually instant or within one business day.
Online casinos may impose their own fees for deposits or withdrawals; bank-imposed fees may also apply.
Compatibility may be affected by banking policy and merchant acquisition agreements; many platforms block Kenyan banks/cards by default.