Addressing all your financial priorities in life.
From every day banking to long term investing. We bring to you a suite of world-class solutions that help you meet your financial needs.
Convenient Banking Solutions
Enjoy the benefits of a range of banking account solutions that provide you with full transactional capabilities and special pricing privileges*.
You can choose from our local and foreign current and savings accounts for your day-to-day banking requirements.
You can access your accounts through i-Banking, our internet banking which gives you complete control of your accounts saving you time and money. With i-Banking, you can view your accounts, apply for a product, transfer funds, view your credit card statement and many more.
* Please refer to the Privileged Pricing section in the Priority Benefits page.
World-class wealth solutions
In managing your investment requirements, we take a comprehensive portfolio approach with solutions and products customised to meet your individual financial goals, life stages and risk appetite.
Your Relationship Manager, with support from a team of product specialists, will ensure that you receive the best solutions in hand on the full range of investment, treasury and insurance products.
Core investment portfolio
Your core investment portfolio comprises wealth-generating instruments designed to help you achieve your long-term financial needs.
- We offer you solutions for your long-term financial needs, such as property financing, funding your child’s education or preparing for your retirement to ensure you enjoy a quality lifestyle.
- To enable you to meet these needs, we will assess your risk profile and help you build core portfolios that are suitable for your profile and that will maximise your returns, so that these goals may be attained optimally within your required timeframe.
- These portfolios comprise traditional investments such as deposits, unit trusts/mutual funds and fixed income products that give you exposure to a diversified range of asset classes such as cash, bonds and equities. The range of asset classes is determined by our proprietary strategic asset allocation models and, depending on your preference, we can offer you off-the-shelf portfolios or create them from our recommended funds, which have been selected based on our in-house research.
Satellite investment portfolio
Your satellite investment portfolio supplements your core by being able to capture specific opportunities that are typically short term in nature.
- As your financial priorities evolve, we will continue to work regularly with you to identify specific investment opportunities that are suitable for your risk profile and financial status.
- These portfolios comprise alternative investments such as foreign currency investments and bonds.
Protection portfolio
To ensure that the wealth you have built up remains protected, and your family’s future is looked after, even in unforeseen circumstances, we find the right insurance plan for your requirements.
These range from whole life plans, term insurance and various investment linked insurance plans that cater to needs like children’s education, retirement planning and savings.
Comprehensive approach to keeping you informed
To keep you informed on market events, you will receive a range of reports and updates such as our weekly market views, foreign exchange reports, quarterly outlook analyses and other ad hoc reports.
Property Investment Solutions
Whether you are a seasoned or first-time property owner, we have made it our priority to help you secure the right financing and to support you on maximising returns from your investments in property markets.
Our property investment solutions come with specially customised benefits that help you capitalise on the opportunity efficiently and on time.
- Higher loan-to-value on your property specially offered only to you as our Priority Banking customer.
- Simplified documentation, which requires minimal paperwork.
- Faster approvals through special processes that fast-track your application.
- Preferential pricing
Our Relationship Managers along with our property loan specialists can also help you negotiate the complexities of mortgages and loans in the property market.
Convenient Card Solutions
Your debit and credit cards unlock a whole range of services and privileges that befit your priority status.
The Platinum Debit Card
The specially designed Priority Banking Debit card is your primary global relationship card with the Bank offered to you when you begin your relationship with the Bank. The card provides you global recognition at designated Priority Banking Centres and branches, and local and international access to your banking accounts.
Within the country, you can use this card to access the full range of Standard Chartered ATMs in your country including ATMs from other Banks which are under the country’s shared network.
Internationally, you can also make withdrawals at all Visa or MasterCard network ATMs at no extra charge. Furthermore, you will also enjoy special benefits such as discounts on foreign exchange transactions under the Global Rewards program at all Travelex locations worldwide.
The Platinum Credit Card
You could be flying sooner than you think with the Standard Chartered Platinum Credit Card. Earn reward points on purchases you make with it, that can be redeemed for flights on over 300 airlines to any destination at any time*.
- Earn Reward Points on purchases you make with your Platinum Credit Card
- Choice to redeem points on airline tickets, frequent flyer miles, reward vouchers or cashback
- Freedom to fly on over 300 airlines to any destination and at any time*
- Year-round discounts on dining, clothing, fitness, safaris and more
- Access to over 500 VIP airport lounges worldwide
- Exclusive benefits at premium golf courses, hotels and spas
- Reward Points earned are valid for life**
- Free travel insurance
- Comprehensive Auto Assist services in the UAE
- No annual fees will be charged for Priority Banking customers***
* Terms and conditions apply. Flight destinations and schedules are subject to the airlines availability.
** Refer to Important Information for conditions.
*** Terms and conditions apply.
Business Solutions
SME Banking
Enjoy the right support to help your business reach its maximum potential. Our SME Banking team offers a one-stop financial solution bringing accessibility, affordability and efficiency to your business banking requirements. Our complete package of products and services includes: Cash Management & Payroll Services, Working Capital Financing, International Trade and Treasury Services with a focus on key industries such as General Trading, Services, Foodstuff, Healthcare, Education and Oil & Gas related areas.
Our international network and trade expertise spanning Asia, Africa and the Middle East give you an advantage when planning to expand your business operations.
- Dedicated Relationship Manager for your Priority Banking Business Account
- Special waivers and/or discounts on fees and charges*
- Preferential Foreign Exchange and Trade Rates
- Invitation to Trade International and Treasury Workshops
- Waiver of the minimum relationship balance requirement in your Priority Banking personal accounts when you meet the minimum relationship balance condition for Priority Banking Business Account
Employee Banking Programme
We also understand how important your employees are to the success of your business. That’s why our Employee Banking Programme gives you a complete banking package, customised to your organisation and your employees’ needs. Through the Employee Banking Programme, you and your employees will enjoy banking convenience and a dynamic approach to help your business grow.
* Please refer to www.standardchartered.ae for the Service & Price Guide
Islamic Solutions
If banking in line with your Islamic principles is your priority, we offer you Standard Chartered Saadiq – a complete range of Shariah-compliant solutions delivered with international levels of quality and service. These products are designed by a team of Islamic finance experts and are formally certified by an independent Shariah Supervisory Committee, comprised of world-renowned Islamic scholars.
Saadiq Accounts
If you need a flexible range of bank accounts to carry out your daily banking needs in a Shariah compliant manner, choose from the Saadiq Current, Salary and Savings Accounts.
Saadiq Term Deposits
Looking for investment solutions with the potential to help your savings grow in the short to medium term? Standard Chartered Saadiq offers you Shariah-compliant returns with the 'Mudaraba' and 'Murabaha' based term deposits.
Saadiq Personal Finance
For personal finance that respects your values and meets your needs, Saadiq Personal and Vehicle Finance offer you an Islamic alternative to conventional loans to help fulfil your requirements.
Saadiq Home Finance
Should you wish to buy a house or transfer your existing home finance, you can do so with Saadiq Home Finance. Shariah compliant, flexible and simple to arrange, it offers you convenient tenors and competitive pricing.
Saadiq Credit Card
Want a credit card that has great value, global acceptance and is also Shariah compliant? The Saadiq Credit Card offers you all this and peace of mind.
Islamic Insurance (Takaful) Solutions
Whatever your needs, Standard Chartered Saadiq offers a wide range of comprehensive Islamic insurance (Takaful) solutions. You can choose from general, family and health Takaful plans for your children’s education, retirement and mortgage protection; facilitated through SALAMA Islamic Arab Insurance Company.
Shariah Supervisory Committee
Standard Chartered Saadiq products are supervised by the independent Shariah Supervisory Committee, which comprises three of the world's most renowned and respected scholars in Islamic banking:
- Dr. Abdul Sattar Abu Ghuddah
With a Ph.D. in Islamic Law from Al Azhar University, Cairo, Dr. Abu Ghuddah is currently a member of the Shariah Supervisory Board for several Islamic institutions in various parts of the world. - Sheikh Nizam Yaqubi
With a Bachelor’s Degree from McGill University, Montreal, Sheikh Yaqubi currently holds highly respected positions on the Shariah Boards of many Islamic institutions worldwide. - Dr. Mohamed Ali Elgari
With a Ph.D. from University of California, Dr. Elgari serves as a professor at King Abdul Aziz University, as an expert at Islamic Jurisprudence Academy and as a Shariah Advisor to several Islamic financial institutions.
