Standard Chartered Mutual Funds & Priority Banking
Wealth Solutions investment options and relationship-banking tiers, explained together.
- Priority Banking
- Mutual Funds
- Naya Pakistan Certificate
Standard Chartered Priority Banking requires PKR 4,000,000+ in current account balance or PKR 8,000,000+ quarterly average AUM. Mutual funds through Wealth Solutions carry a sales load up to 3% of NAV and a management fee up to 3% p.a., per SCB's official Schedule of Charges.
Standard Chartered Pakistan splits its higher-value customer offering into two connected pieces: Priority and Premium Banking relationship tiers, and Wealth Solutions, where mutual fund and investment access actually sits. The eligibility thresholds and pricing below are pulled directly from SCB's official Schedule of Charges rather than marketing copy.
Priority Banking — Exact Eligibility
| Route | Threshold |
|---|---|
| Current Account Balance | PKR 4,000,000+ |
| Quarterly Average AUM | PKR 8,000,000+ |
| Saadiq Home Finance Facility | Rs 20,000,000+ |
| Payroll (monthly salary) | PKR 500,000+ (12-month grace) |
| Initial Cheque Deposit to Open | Rs 8,000,000 |
Premium Banking — Exact Eligibility
| Route | Threshold |
|---|---|
| Average AUM (past 3 months) | Rs 1,500,000+ |
| Home Finance Facility | Rs 10,000,000+ |
| Payroll (monthly salary) | PKR 200,000+ (12-month grace) |
| Initial Cheque Deposit to Open | Rs 1,500,000 |
Eligibility criteria confirmed from Standard Chartered Pakistan's official Conventional and Saadiq Schedule of Charges, 1 July – 31 December 2026.
Which Tier Do You Qualify For?
Each tier has multiple qualifying routes — you only need to meet one, not all of them. Enter what applies to you and see where you land.
Your Numbers
All fields start at 0 — enter your own numbers and check.
Thresholds confirmed from Standard Chartered Pakistan's official Conventional and Saadiq Schedule of Charges, 1 July – 31 December 2026. Last verified: August 23, 2026.
What Priority Clients Get Free
Qualified Priority clients get a long list of waived fees — free cheque book issuance, stop payments, pay orders/demand drafts, interbank funds transfers, intercity cash withdrawals, international ATM withdrawals through SCB ATMs, RTGS, and a 100% processing fee waiver on Home Finance — plus a 50% waiver on first-year locker rental and annual fee waivers on Priority debit cards and most credit cards. Premium clients get a narrower but still meaningful set: free Online Banking, SMS alerts, eStatements, and a 100% Home Finance processing fee waiver.
Mutual Funds & Wealth Solutions Pricing
| Fee | Rate |
|---|---|
| Sales Load (front/back end, cumulative) | Up to 3% of NAV per unit |
| Management Fee | Up to 3% p.a., charged daily on net assets |
| Combined Sales + Contingent Load Cap | 5% |
SCB earns part of the management fee back from the fund house itself, and the exact load structure varies by fund — always check the specific fund's Offering Document or Term Sheet rather than assuming the maximum applies uniformly. Bancassurance (Takaful/insurance) pricing is set entirely by the underlying product provider, not SCB, so check your policy documents directly for those charges.
Pricing confirmed from Standard Chartered Pakistan's official Wealth Solutions Schedule of Charges, 1 July – 31 December 2026.
Where SCBPL's Own Share Price Fits In
It's worth distinguishing SCB's mutual fund access from SCBPL's own listed equity: mutual funds sold through Wealth Solutions are third-party managed funds, entirely separate from Standard Chartered Bank (Pakistan) Limited's own stock, which trades on PSX under the symbol SCBPL. See our dedicated Share Price & Financial Results page for SCBPL's own listed fundamentals.
Good For
- Understanding how SCB's Priority and Premium Banking tiers differ
- Distinguishing SCB's third-party mutual funds from SCBPL's own PSX-listed stock
- Finding SCB's Wealth Solutions options beyond just mutual funds
- Knowing how RDA clients access the Naya Pakistan Certificate
Ready to bank with Standard Chartered?
Verify current rates, offers, and terms directly with SCB Pakistan before you apply.
Similar Banks
HBL
Pakistan's largest bank by branches
SCB Bank Profile
One-page quick reference
UBL
Major conventional peer bank
More on Standard Chartered Pakistan
Bank Overview
History, leadership, ownership, and key facts.
Accounts & Rates
Deposit accounts and Bonus Saver rates.
Share Price & Results
PSX listing and CY2025 fundamentals.
SC Mobile App
Mobile and internet banking features.
Branch & ATM Locator
Network size and official locator.
Cards & Discounts
Credit/debit cards and active offers.
Careers
Where SC actually posts Pakistan jobs.
Car Financing
Conventional Auto Financing and Saadiq Auto Finance rates.
Home Financing
Saadiq Home Finance markup rates.
Helpline & Complaints
Contact numbers and escalation path.
SWIFT & IBAN
Head-office SWIFT code and IBAN format.
Roshan Digital Account
For overseas Pakistanis.
Good Life / CSR
Sustainability and community programmes.
Cyber Security
Which numbers are genuine and how to report fraud.
Bank Profile (Quick Reference)
One-page snapshot of key stats and contacts.
ATM Network
1LINK access, charges, and card issues.
Bank Timings
Standard hours and Saturday branches.
Personal Loan & EMI Calculator
Personal Finance rates and a free calculator.
Latest News & Updates
SCB Pakistan announcements, partnerships, and leadership changes.
Raast & IBFT Transfers
Registration steps, fees, and daily limits.
Lost or Stolen Card
The number to call and how blocking & replacement work.
SME & Business Banking
Business accounts, Straight2Bank, working capital, and trade finance.
Dormant Account & Closure
When dormancy kicks in and how to reactivate an account.
Auto Finance Calculator
Compare Conventional vs Saadiq instalments and early-exit costs.
For independent verification, see State Bank of Pakistan, Pakistan Stock Exchange, Standard Chartered Pakistan (official).