Standard Chartered Cyber Security — Fraud Prevention
What's genuinely SCB's, what isn't, and exactly who to call.
- Never Shares PIN/OTP
- 111-002-002
- Sunwai Portal Escalation
Standard Chartered cyber security: the bank will never ask for your PIN, full card number, or OTP over phone, SMS, or email. Report fraud or a lost card immediately via the official 111-002-002 line or sc.com/pk/contact-us.
Fraud targeting Standard Chartered customers in Pakistan typically impersonates the bank by phone, SMS, or fake websites. This page lists what SCB will genuinely never ask for, and the correct official channels to verify or report anything suspicious.
What SCB Will Never Ask For
Your PIN
Never shared over phone, SMS, email, or any unsolicited call claiming to be SCB.
Full Card Number + CVV
Legitimate SCB staff never need your complete card number and CVV together over a call.
One-Time Passwords (OTP)
An OTP is meant only for you to enter on SCB's own app or site — never to read aloud to a caller.
Verified SCB Channels Only
| Channel | Verified Source |
|---|---|
| Website | sc.com/pk only |
| Complaints/Fraud Line | 111-002-002 |
| Mobile App | SC Mobile — verify publisher is Standard Chartered before downloading |
| Global Fraud/Phishing Mailbox | phishing@sc.com — forward suspicious emails, texts, or fake SCB accounts here directly |
| Global Security Guidance | sc.com/global/security-tips |
Contact channels confirmed from Standard Chartered Pakistan's official Contact Us and global Security Tips pages.
If You Suspect Fraud
Call 111-002-002 immediately to report a lost or stolen card, or a suspected fraudulent transaction — SCB's stated process acknowledges fraud-related complaints and commits to a final reply within 30 working days, following investigation. Don't click links in unsolicited SMS or email claiming to be from SCB; instead, navigate to sc.com/pk directly by typing the address yourself.
Reporting Fraud Beyond the Bank
If a resolution through SCB isn't satisfactory, Pakistan's State Bank operates a dedicated Sunwai Portal (sunwai.sbp.org.pk) for lodging complaints against any bank's handling of a fraud case, and Banking Mohtasib Pakistan serves as an independent escalation body for unresolved banking disputes.
Common Fraud Patterns to Watch For
Typical schemes impersonating SCB in Pakistan include SMS messages claiming your card will be blocked unless you "verify" via a link, phone calls claiming to be from SCB's fraud department asking you to read out an OTP to "cancel" a transaction, and fake job or investment offers using the Standard Chartered name to appear credible. In every case, the pattern is the same: a request for urgency plus a request for information SCB would never actually need over that channel. One nuance worth knowing: SCB has confirmed that phishing SMS messages can sometimes appear in the same message thread as genuine SCB texts on your phone, since scammers can spoof sender IDs — being in the "right" thread isn't proof a message is real. Investment scams are a separate, growing pattern: fake trading platforms or "exclusive" investment groups claiming SCB backing or staff involvement, promising high guaranteed returns. SCB doesn't offer capped-membership investment groups or staff-run trading tips outside its official Wealth Solutions channels — treat any such offer as fraudulent regardless of how convincing the branding looks.
Frequently Asked
Is it safe to click links in SCB emails?
Only if you're certain of the sender's domain. When in doubt, navigate to sc.com/pk directly rather than clicking an embedded link.
What if I already shared my OTP by mistake?
Call 111-002-002 immediately to freeze the account or card and report the incident, rather than waiting to see if a transaction actually goes through.
Good For
- Knowing exactly what SCB will never ask for by phone, SMS, or email
- Verifying you're on SCB's genuine website and app before entering credentials
- Getting the correct number to call the moment you suspect fraud
- Understanding the escalation path if SCB's fraud response isn't sufficient
Ready to bank with Standard Chartered?
Verify current rates, offers, and terms directly with SCB Pakistan before you apply.
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For independent verification, see State Bank of Pakistan, Pakistan Stock Exchange, Standard Chartered Pakistan (official).