Standard Chartered Bangladesh review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Standard Chartered Bangladesh lends directly to applicants in Bangladesh, with personal loans of BDT 50,000 to BDT 2,000,000 and home loan fees run BDT 0 to BDT 20,000. It suits salaried staff and business owners who want a fixed home loan term of 10 to 25 and faster payouts on Employee Banking.

Key facts

Best for
A Bangladeshi borrower wanting a personal loan, a home loan or a revolving credit line from a single lender.
Loan amount
BDT 50,000 to BDT 2,000,000 (Source, checked September 26, 2026)
Term
12 to 60 months (Source, checked September 26, 2026)
Funding time
Disbursed within 2 working days for SC Employee Banking customers and up to 5 working days for non-SC customers (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Minimum age 21 for salaried and 25 for businessman; applicant must be a Bangladeshi citizen currently living in Bangladesh; minimum monthly net income BDT 26,000-55,000 (Source, checked September 26, 2026)
Loan types
Personal, Credit-line, Secured (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Standard Chartered Luxembourg S.A. (Source, checked September 26, 2026)
Headquarters
Luxembourg (Source, checked September 26, 2026)
Founded
1905 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Features
Credit line
Official website
sc.com

Mortgages

Fixed period
10 to 25 years (Source, checked September 26, 2026)
Maximum loan to value
70% (Source, checked September 26, 2026)
Product fee
BDT 0 to BDT 20,000 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Standard Chartered Luxembourg S.A. (Source, checked September 26, 2026)
Headquarters
Luxembourg (Source, checked September 26, 2026)
Founded
1905 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • A single lender for personal, credit line and secured, so a personal loan, a revolving line and secured borrowing all sit with the same bank.
  • Personal loans of BDT 50,000 to BDT 2,000,000 over 12 to 60, with a revolving credit line available for repeat drawdowns.
  • Home loans for purchase and remortgage over a fixed period of 10 to 25, and money reaches Employee Banking customers sooner than other applicants.

Cons

  • Home loan fees run BDT 0 to BDT 20,000 on a purchase or a remortgage, which adds to the cost of borrowing against the property.
  • The maximum loan to value of 70% sits below the secured loan median of 90%, so a larger deposit is needed.
  • Support runs on phone and help centre only, with no email address or live chat listed.
Standard Chartered Bangladesh

Ready to try Standard Chartered Bangladesh?

Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Salaried applicants and business owners in Bangladesh who meet the eligibility rules, including Bangladeshi citizenship, a minimum age and a minimum monthly net income.
  • Homebuyers funding a purchase or a remortgage who want a fixed period of 10 to 25 and can fund the deposit a 70% loan to value requires.
  • Employee Banking customers, whose personal loans are disbursed sooner than those for other applicants.

Who should look elsewhere

  • Anyone resident outside Bangladesh, because eligibility covers Bangladeshi citizens living there. A lender such as Monzo Flex, with amounts of £10,000 to £35,000, is a more relevant comparison for them.
  • Borrowers who want to earn and borrow in euros, since Cashspace ES lists amounts of €100 to €5,000 and this bank lends in taka.

How Standard Chartered Bangladesh compares

Where Standard Chartered Bangladesh is available

Available
Bangladesh, Luxembourg
Licence in Luxembourg
Commission de Surveillance du Secteur Financier (CSSF) (MiCA CASP 213800HAR45C9K18O294), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow from Standard Chartered Bangladesh?+

Personal loans run BDT 50,000 to BDT 2,000,000, repaid over 12 to 60. What you can take also depends on eligibility: Bangladeshi citizenship, living in Bangladesh, a minimum age that is higher for business applicants, and a minimum monthly net income. Home loans are separate, and cover a purchase or a remortgage.

What does borrowing cost?+

Home loan fees run BDT 0 to BDT 20,000 and apply to a purchase or a remortgage, so they sit on top of the rate you are offered. For personal loans, the rate on your written offer is the figure that matters, and it is worth weighing against the personal loan median of 12.25%.

What are the home loan terms?+

Home loans cover a purchase or a remortgage, listed under purchase and remortgage, with a maximum loan to value of 70% and a fixed period of 10 to 25. The median maximum loan to value across secured loans is 90%, so expect a larger deposit than the typical lender asks for.

Can I get a revolving credit line as well as a loan?+

Yes. A credit line is listed alongside personal and secured lending, so you can hold a line and draw against it rather than applying afresh each time. The loan types on offer are personal, credit line and secured, and all of them come from the same direct lender.

Is Standard Chartered Bangladesh regulated, and are deposits protected?+

The group entity is recorded as Standard Chartered Luxembourg S.A., based in Luxembourg, and its licence entry sits with the Commission de Surveillance du Secteur Financier under MiCA CASP 213800HAR45C9K18O294. That is the authority that records the entity, not a statement about your money, so read the account terms before you deposit anything.

Who can apply?+

Eligibility is narrow: a Bangladeshi citizen living in Bangladesh, a minimum age that is higher for business applicants than for salaried ones, and a minimum monthly net income. Applicants resident elsewhere are not covered by these rules, and a lender such as Monzo Flex, with amounts of £10,000 to £35,000, may suit their situation better.

How do I contact the bank?+

Support runs on phone and help centre, so a phone line and a help centre are the listed routes for loan customers. There is no email address or live chat in that set, which matters if you would rather keep the record in writing. The bank has traded since 1905, and those two channels are the ones it names.

Sources

  • esma.europa.eu/sites/default/files/2024-12/CASPS.csv checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “ae_homeMemberState=LU”

  • sc.com/bd checked September 26, 2026

    Backs: Features

    “Cash Line Overdraft - Credit Limit Up to 90%”

  • sc.com/bd/about-us checked September 26, 2026

    Backs: Founded

    “Established 1905 (Including ANZ Grindlays experience and presence; Standard Chartered established its first branch in Chattogram in 1948.)”

  • sc.com/bd/loans/home-loan checked September 26, 2026

    Backs: Fixed period, Maximum loan to value, Product fee, Purpose

    “Maximum loan tenure - Businesspersons: 120 months - All other segments: 300 months; NRB salaried segment: 180 months”

  • sc.com/bd/loans/personal-loan checked September 26, 2026

    Backs: Funding time, Loan amount, Loan types, Support channels, Term, Use cases, Lender type, Eligibility

    “Your loan will be disbursed within 2 working days for SC Employee Banking customers and up to 5 working days for Non SC customers post receipt of the all required documents”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Credit check, Representative example.

Standard Chartered Bangladesh

Standard Chartered Bangladesh

A Bangladeshi borrower wanting a personal loan, a home loan or a revolving credit line from a single lender.

9.3/10See alternatives

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