Terms of Use

Agreement to these Terms

These Terms of Use govern access to and use of the websites, digital services, applications and account features made available by Standard Int Bank (“we”, “us” or “our”). By creating an account, signing in or using a service, you agree to these Terms and any additional terms shown for a particular product or transaction.

If you do not agree, you should not use the relevant service.

Eligibility and account information

You must provide accurate, current and complete information when opening or maintaining an account. You are responsible for keeping your contact and identification information up to date.

• You must satisfy any age, identity, residency and eligibility requirements applicable to the product you request.
• We may request information or documents needed to verify identity, protect an account, prevent misuse or meet applicable legal obligations.
• Account approval, features and access may remain subject to review.

Using our digital banking services

Our services may include account access, transfers, payments, cards, account information and other features we make available from time to time. The exact services available to you may depend on your account type, location, verification status and other eligibility requirements.

You must use the services only for lawful purposes and in accordance with the instructions shown in the service.

Your security responsibilities

You are responsible for protecting your login credentials, devices and authentication methods. Never disclose a password, transaction PIN, card security code or one-time verification code to another person.

• Use strong, unique credentials and keep your registered contact details current.
• Notify support promptly if you believe your account, card, device or credentials have been compromised.
• Review transaction information carefully before authorising a payment or transfer.

Payments, transfers and instructions

Before submitting a payment or transfer, you are responsible for checking the recipient, amount, currency and other transaction details. Once an instruction has been submitted or processed, cancellation or recovery may not always be possible.

Processing times can depend on the payment method, receiving institution, currency, network availability, compliance checks and other factors outside our direct control.

Fees, exchange rates and limits

Where a fee, exchange rate, transaction limit or other charge applies, the relevant information should be presented through the applicable service, product disclosure or transaction review screen before you confirm the action where practicable.

Third parties involved in a transaction may impose separate charges or apply their own processing rules.

Prohibited and restricted use

You must not use the services to commit fraud, impersonate another person, bypass security controls, interfere with our systems, violate applicable law or facilitate unlawful activity.

We may restrict, delay or decline activity where reasonably necessary for security, fraud prevention, legal compliance, investigation or protection of customers and systems.

Availability and maintenance

We aim to provide reliable access, but digital services may occasionally be unavailable because of maintenance, technical problems, network failures, security events or circumstances outside our control. We may modify, suspend or discontinue a feature where reasonably necessary.

Intellectual property

The software, interface, branding, graphics, text and other content provided through Standard Int Bank may be protected by intellectual-property laws. Except where expressly permitted, you may not copy, modify, distribute, reverse engineer or commercially exploit our protected materials.

Responsibility and liability

Nothing in these Terms excludes or limits liability where doing so would be prohibited by applicable law. To the extent permitted by law, we are not responsible for losses caused solely by events outside our reasonable control, unauthorised use resulting from your failure to protect credentials, or inaccurate payment details supplied by you.

Specific products or services may have additional liability provisions that apply alongside these Terms.

Changes, restrictions and termination

We may update these Terms to reflect changes to our services, security practices, technology or legal requirements. When appropriate, we will provide notice through the website, service or another suitable channel.

You may stop using our digital services subject to any continuing obligations attached to your account. We may restrict or terminate access where permitted by applicable terms or law.

Applicable law and additional terms

Any governing-law, dispute-resolution, regulatory or jurisdiction-specific provisions should be stated in the agreement applicable to your account or service. These Terms should not be read as creating a licence, regulatory status, deposit guarantee or insurance protection that has not been expressly confirmed in your official product documentation.

Questions about these Terms

If you have questions about these Terms of Use, a service condition or your account responsibilities, please contact our support team using the official contact channels on this website.