Standard Chartered ATM — Locations & Access
How SCB cardholders access ATMs nationwide, and what to do if a card stops working.
- 1LINK Network
- Official Locator
- International Access
Standard Chartered ATM charges, per the bank's official Schedule of Charges: Rs 2.5 per 1-Link balance enquiry, Rs 35 per Saadiq 1-Link cash withdrawal, and up to 8% spread on international ATM withdrawals — plus a flat Rs 1,000 fee for foreign-issued cards used at SCB's own ATMs.
Standard Chartered's own ATM footprint is smaller than domestic banks with hundreds of branches, but SCB debit and credit cardholders aren't limited to SCB-branded machines — access extends across Pakistan's shared 1LINK network. The figures below are the bank's actual published charges, not estimates.
ATM Charges — Official Rates
| Transaction | Charge |
|---|---|
| 1-Link ATM Balance Enquiry | Rs 2.5 per enquiry |
| 1-Link ATM Cash Withdrawal (Saadiq) | Rs 35 per withdrawal |
| MNET ATM Cash Withdrawal (Saadiq) | Rs 15 per withdrawal |
| International ATM Withdrawal | Up to 8% of transaction amount |
| International Balance Enquiry (all debit cards) | Rs 300 |
| Foreign-Issued Card on an SCBPL ATM | Rs 1,000 |
| POS Spread (international merchants/airlines) | Up to 8% |
| QR Payment Spread | Up to 6% |
Confirmed from Standard Chartered Pakistan's official Conventional and Saadiq Schedule of Charges, 1 July – 31 December 2026.
ATM Access Options
SCB Branch ATMs
Located at SCB branches nationwide — find the nearest one via the official ATM & Branch Locator.
1LINK Network
Withdraw at any 1LINK-connected bank's ATM across Pakistan, subject to a standard inter-bank fee.
International Access
SCB cards typically work on Visa/Mastercard-accepting ATMs abroad, subject to international transaction charges.
ATM locator confirmed at sc.com/pk/atm-branch-locator; 1LINK interoperability reflects standard Pakistani banking-sector infrastructure that all scheduled banks, including SCB, participate in.
If Your Card Stops Working
If an SCB debit or credit card is declined, retained by an ATM, or simply stops working, call the general complaints line at 111-002-002 immediately. Common causes include an expired card, a dormant account, incorrect PIN attempts triggering a temporary block, or a card flagged for suspected fraud — the same helpline can clarify which applies and, if needed, initiate a replacement card.
Typical ATM Charges
Withdrawals at SCB's own branded ATMs carry no charge for the cardholder. Beyond ATM-specific fees, an Inter Bank Funds Transfer (IBFT) done at an ATM or through digital channels is priced at 0.1% or PKR 200 per transaction — whichever is lower — once a monthly threshold of PKR 25,000 in transfers is exceeded, per SCB's official rate card.
ATM Limits
Daily ATM withdrawal limits at SCB are set per account and card tier, and can typically be viewed or adjusted within the SC Mobile app or Online Banking. If you're planning a large one-time withdrawal, check your current limit in advance rather than making repeated trips to an ATM.
Frequently Asked
Does SCB charge for balance inquiries at other banks' ATMs?
Inter-bank balance inquiries typically carry a smaller fee than withdrawals — confirm the current figure in SCB's Schedule of Charges.
Can I deposit cash at any SCB ATM?
Cash deposit functionality depends on the specific ATM model; not every SCB ATM supports deposits, so check the locator listing for that feature.
Good For
- Understanding SCB ATM access extends across the shared 1LINK network
- Knowing what to do the moment a card is declined or retained
- Finding where SCB's actual current ATM charges are published
- Planning ahead for international ATM use with an SCB card
Ready to bank with Standard Chartered?
Verify current rates, offers, and terms directly with SCB Pakistan before you apply.
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