SMS stands for Short Message Service, also known as text messaging. This allows you to send and receive short messages from their mobile. The messages can contain up to 160 characters per message.

It is a new service designed for customers who are constantly on the move. With SMS Banking, you can enquire about your account and credit card information via short text messaging.

You will have to send a SMS to 3993 in a pre-defined service code in the following format:

SMS Banking Services   SMS Format Sample SMS Format Account Balance Enquiry   AB < space >Account nickname AB 1234 Account Last Five Transactions   MS < space >Account nickname MS 1234 Cheque Book Request **   CB < space>Account nickname < space > mail CB 1234 mail Credit Card Last Five transactions   FT < space>Card Last 4 digits FT 6789 Credit Card Outstanding Balance   OB < space>Card Last 4 digits OB 6789

Account nickname is required for us to identify the accounts that you are enquiring about through SMS.

• By default, the account nickname for your cards is the last 4 digits of your credit cards.
• To set an account nickname for your bank account
  – login to Online Banking
  – SMS Banking & Alerts section
  – and set any 4-character nickname for your bank account. This can be all letters or all numbers or a combination of letters and numbers.

The service codes currently available are:

• AB – Balance Enquiry
• MS – Mini-Statement(Last 5 Transactions)
• CB – Cheque book Request
• FT – Credit card last 5 transactions
• OB – Outstanding balance on credit card
• HL – Help
• UNSUB – Unsubscribe from SMS Banking

Eg. To check your account balance and the account nickname of your bank account is AED1, simply send an SMS with 'AB AED1' to 3993. An SMS will then be sent to you displaying your account balance for this specific account.

It depends on how busy the network is. Generally, customers should receive a message within 60 seconds. There may be delays due to a high volume of traffic on special occasions, e.g. New Year and Christmas.

• Your cheque book will be delivered by mail in 5 working days subject to clearance from the bank. Please note that your residency visa / passport copy is required to be updated as per our records.


• In the event that we are unable to process your cheque book request, you will receive a call from us within 2 working days.

Yes. Charges are applicable as per the latest Service and Price Guide

• You can only request for one cheque book.
• For multiple SMS requests for cheque books received on the same day, only one request will be processed.

Yes, this service is secure. You will first have to register for this service and ensure your latest mobile number is updated with the Bank. Your mobile number will then be linked to your individual account(s).

Please call the Bank immediately at 600 522288 or +971 600522288 (for overseas customers), and we will disable access to the SMS Banking service. Please inform the Bank once you have resumed your mobile phone service and we will re-activate the service for you.

SMS Banking service is open to all customers holding current, savings or credit cards with personal or joint account relationship with Standard Chartered Bank.

You can register through our Online Banking at standardchartered.ae.
Alternatively, you may also call Phone Banking at 600 522288 to register for the service.

• Log on to our Online Banking at standardchartered.ae
• Click on 'SMS Banking & Alerts' from the left navigation menu – which will open up in a new window.
• Click on "Activate service" to subscribe for SMS Banking

The Standard Chartered Bank SMS Banking service is free but your mobile service provider may charge you a fee for sending SMS and receiving incoming SMS depending on your prevailing price plan. Please check with your mobile service provider for more information.

You can obtain assistance by typing 'HL" and sending it to 3993. You will receive an SMS with all the service codes available.
Alternatively, you can visit login to Online Banking – SMS Banking & Alerts section to print the list of service codes available.

No. Any combination of upper and lower case is valid.

• SMS Alerts and SMS Banking (2-way service) is available to both Etisalat and DU subscribers.
• However, SMS Banking (2-way service) is only available with the UAE. You will not be able to enquire your account or card details by sending a SMS to 3993 outside of the UAE.

• Delete any sent messages from your "Sent" folder as the number may automatically be saved in your mobile phone
• Delete all sensitive account related information from your 'Inbox' folder.

Banking alerts are notifications about transactional activities on your bank account. These alerts will be delivered to you via SMS. You can even customise your own alerts preferences via the Online Banking website at standardchartered.ae.

Banking alerts allows you can enjoy timely updates on your account activities and alerted in event of fraudulent transactions.

You will receive SMS and/or banking alerts when there have been transactions performed on your bank account. SMS Banking is a service that allows you to enquire and receive information on your savings or current accounts and credit card information via short text messaging.

• Log on to our Online Banking at standardchartered.ae.
• Click on ''SMS Banking & Alerts' from the left hand menu, after which, you will receive a confirmation via SMS

Yes, you will be automatically subscribed to both Banking Alerts and SMS Banking service. However you have the option of opting out of either service via Online Banking.

• Log on to Online Banking at standardchartered.ae.
• Click on ''SMS Banking & Alerts' from the left hand menu, after which, you will receive a confirmation via SMS.

Banking Related Alerts:

• Local or Overseas ATM Cash Withdrawal
• Local or Overseas POS Transaction
• Account Balance
• Salary credit
• Bounced cheque
• Fund transfer

Credit Card Related Alerts:

• Transaction Alert Primary / Supplementary Card
• Card Payment Received
• Credit Limit Nearing Maximum
• Credit Limit Increase / Decrease
• Card Payment Due
• Past Due Date Reminder/Payment Not Credited

The Banking Alerts service is available to all customers holding current, savings or credit cards with personal or joint-alternate account relationship with Standard Chartered Bank.

The Banking Alerts service is free.
However, if you are travelling and you are on a roaming network, your mobile service provider may charge you for receiving any incoming SMS messages (including our alerts) depending on your prevailing price plan.
Please check with your mobile service provider for more information.

Yes. The Banking Alerts service will be affected. We ask that you unsubscribe from the Banking Alerts & SMS Banking service accordingly.

Yes, you need to update the Bank with the latest mobile phone number as we will be sending any alerts to the mobile number prerecorded in our system. To update your mobile number, you can visit any of our branches or simply call Phone Banking at 600 522288.

Yes, this service will work as long as your phone plan allows you to receive SMS.

All of your current, savings accounts and credit card accounts can be linked to the service.

No. Your mobile number and email address are linked to your individual profile. It is only possible to have a single mobile number and email address to individual profile.

As a good security practice, you may wish to delete any SMS you received from your mobile phone 'Inbox' folder as they may contain sensitive account related information.