SC Mobile Malaysia 4+

Get things done & can be better

This mobile banking app is not the best but I’d said it’s fairly good, it gets most things done, I could make report of lost card and immediately it’s blocked, and replacement card sent. Good view of the delivery status of your card, and I’m able to use the digital card while waiting for the physical card to be arrived. Job well done on that.

However, the integration of mobile & internet banking can be improved, i.e.: the portfolio program promotions, these should be mobile optimised than directing me to the internet banking site, loading time is not up to expectation.

But overall, I’d said it’s a good app and easy to use. In fact, it’s better than the No. 1 bank in Malaysia (much better).

Very poor emergency response support systems

Long review but it’s important to understand why.

My phone has recently broke (completely destroyed with no way to fix) so was forced to switch to a backup. Tried to login to my account on the backup but it required SC Mobile Key to access. Tried to call both numbers provided but only the 1st one was any helpful. Got a PIN to login but it did NOT work when keyed in.

No operators were available to help. Instead, the robot operator stated that since I have access to internet and mobile banking (I do NOT) my situation is NOT IMPORTANT enough for them to address personally and that the line was only for emergencies. Would personally argue that losing access to my account is very much an emergency but I digress.

Then, I tried to use Browser-based internet banking but the page was completely useless. Redirected me to download the app, which as mentioned earlier, is locked out. Now, I’m stuck unable to check my account or clear credit card debt. What do I do Standard Chartered? Is anyone from your side going to help me or do I watch helplessly as my credit score goes down because your app does not have enough redundancies?

Tldr; app does not have enough support systems to regain access if original phone breaks down. Phone operators and online banking website are completely useless. Am now stuck completely unable to access account. What do?

Developer Response ,

Hi, we apologies for the inconvenience caused. We strive to provide the best service to our clients. Please DM to our Facebook page at Standard Chartered Malaysia and we will address your concerns. Thank you

No DuitNow QR Generation

As someone who has used the SG SC app, this MY version is really bad. I wonder why they haven't decided to roll it out in Malaysia yet. The UI is a mess, whereas other banks have released new versions of their app and they have been wonderful, intuitive and majority of the things you want to do are only a tap away. Here, I need to find specific menus. The most annoying part? Where is DUITNOW QR generation? Don't tell me the very basic feature of allowing you to generate DuitNow QR for others to scan, is missing from the app? This is ridiculous. You are only allowed to scan but not generate? All banks have this. Why can't SC have it? Just replace this app please. Its totally embarassing for an MNC to have such a lousy app. MAE OCTO and HSBC bave significantly better apps now. Please consider changing your app. Its a lost cause and will only drive people away from your services the longer you do this.

Developer Response ,

Hi Gio Soliman, this is not the experience that we aim for you. Your feedback is important to us. We're actively working on improving our mobile app to provide you with a better banking experience. Please feel free to reach out to us via PM on our Facebook page at Standard Chartered Malaysia if you require any assistance. Thank you and have a nice day.