1. What is Standard Bank Online Banking? 2. Why Use Online Banking? 3. How to Register 4. What You Can Do

5. Fees and Costs 6. Scam Warnings 7. Common Problems 8. Contact Information

Method 1: Register on the Banking App (Easiest)

1. Download “Standard Bank” app from Google Play or App Store
2. Open the app and tap “Register Now”
3. Enter your ID number and cellphone number
4. Enter the OTP (one-time password) sent to your phone
5. Create a username and password
6. Create a 5-digit App Code (don’t use your birthday)
7. Confirm your App Code
8. Accept the terms and conditions
9. Done! You can now use the Banking App

Method 2: Register on the Website

1. Go to www.standardbank.co.za
2. Click “Sign into your accounts” (top right)
3. Click “Register for Online Banking”
4. Enter your ID number and account number
5. Enter your registered cellphone number
6. Enter the OTP sent to your phone
7. Create a username and password
8. Choose an Internet Client Number (ICN) password
9. The bank will call you within 1 working day to verify
10. After verification, you can log in

💡 Pro Tip: Register on the app first. It’s faster and easier than the website. You can use the same login details for both the app and website.

💡 Money-Saving Tips:

• Use the app instead of visiting branches to save money
• Set up email notifications instead of SMS to save 45 cents each
• Use standard EFT instead of instant payments for big amounts
• Check if your account bundle includes free transactions

Common Scams in 2025:

1. Vishing (Phone Call Scams):

Scammers phone you pretending to be from Standard Bank. They create panic and urgency. They claim your account is at risk. They ask you to move money to a “safe account”.

Red Flags: Caller knows your personal details. Asks for your password or PIN. Wants you to transfer money immediately. Says your account will be closed.

2. Phishing (Fake Emails):

You receive emails that look like they’re from Standard Bank. They ask you to click a link. The link takes you to a fake website. The website steals your login details.

Red Flags: Email greets you by email address, not your name. Contains spelling mistakes. Asks you to verify account details. Has urgent subject lines.

3. Smishing (SMS Scams):

You receive SMS messages claiming to be from Standard Bank. They contain links or ask for personal information. Clicking the link installs malware on your phone.

Red Flags: SMS contains spelling errors. Has a link to click. Asks for your password or OTP. Claims your account is blocked.

4. AI Voice Cloning (New in 2025):

Scammers use AI to copy voices. They can sound exactly like bank officials. This makes scams harder to detect. The voice sounds very real and professional.

Red Flags: Call seems urgent. Asks for sensitive information. Wants immediate action. Pressures you to transfer money.

How to Stay Safe:

• Never share your password, PIN, or OTP with anyone
• Type the bank’s website address yourself – don’t click links
• If someone phones you claiming to be from the bank, hang up
• Phone Standard Bank yourself on 0860 123 000 to verify
• Don’t transfer money to “safe accounts”
• Enable two-factor authentication on your account
• Use strong passwords with letters, numbers, and symbols
• Don’t use public WiFi for online banking
• Keep your app updated to the latest version
• Check your account regularly for suspicious activity

If You’ve Been Scammed:

1. Act immediately: Phone Standard Bank fraud line on 0800 222 050
2. Report to police: Go to your nearest SAPS station to report the fraud
3. Change passwords: Change your online banking password and PIN immediately
4. Block cards: Block all your bank cards through the app or phone
5. Monitor account: Check your account daily for any suspicious activity
6. Alert credit bureaus: Contact TransUnion, Experian, and Compuscan

Problem: I forgot my password

Solution:

1. On the app or website, click “Forgot Password”
2. Enter your username
3. You’ll receive an OTP on your registered cellphone
4. Enter the OTP
5. Create a new password
6. Your password must have letters, numbers, and symbols

Problem: My app won’t open or keeps crashing

Solutions to try:

• Check if your phone has internet connection
• Close the app completely and open it again
• Update the app to the latest version
• Clear the app cache in your phone settings
• Delete and reinstall the app
• Make sure your phone software is up to date
• If problem continues, contact Standard Bank on 0860 123 000

Problem: I can’t log in – it says my details are incorrect

Check these things:

• Make sure your username is typed correctly
• Check if Caps Lock is on when typing password
• Make sure you’re using your online banking password, not PIN
• If locked out after 3 tries, wait 30 minutes then try again
• Use “Forgot Password” to reset if needed

Problem: My phone was stolen

Do this immediately:

1. Phone Standard Bank immediately on 0800 020 600
2. Tell them your phone was stolen
3. They will help you unlink your device from your account
4. Also contact your cellphone network to block your SIM
5. Change your online banking password from another device
6. Check your account for any suspicious transactions

Problem: A transaction failed but money left my account

What to do:

1. Wait 24 hours – money often reverses automatically
2. Check your transaction history carefully
3. Look for a reversal transaction in your account
4. If no reversal after 24 hours, contact the bank
5. Phone 0860 123 000 with your reference number ready
6. They will investigate and help reverse the transaction

Banking Ombudsman Contact Details:

National Financial Ombud Scheme (NFO)
Phone: 0860 800 900
Email: info@nfo.org.za
Website: www.nfo.org.za

The Ombudsman can help if Standard Bank doesn’t solve your problem. This service is free for consumers.

Financial Sector Conduct Authority (FSCA):

Phone: 0800 110 443
Email: info@fsca.co.za
Website: www.fsca.co.za

Report serious problems with financial service providers to the FSCA. They regulate banks and protect consumers.