How to Open a Standard Bank Account Online in Kenya

Opening a standard bank account online in Kenya is now fully digital, allowing customers to open a bank account without visiting a branch.

Through the SC Mobile Kenya App, users can complete the entire onboarding process, from registration to verification, without paperwork or physical visits.

What You Need Before You Open a Standard Bank Account Online

To successfully open a standard bank account online, you must meet the following eligibility and document requirements set by Standard Chartered Kenya.

• Must be 18 years and above
• Kenyan citizen or legal resident
• Valid National ID or passport
• Active mobile number and email address
• A clear selfie for biometric verification taken inside the app
• Basic personal details including address, income, and employment information

How to Open a Standard Bank Account Online via SC Mobile Kenya App

You can open a Standard Chartered bank account online directly through the SC Mobile Kenya App, which is available on the SC Mobile Kenya App from the Google Play Store or Apple App Store.

Step 1: Download the SC Mobile Kenya App

Search for and install the SC Mobile Kenya App from the Google Play Store or Apple App Store. This is the official platform used to open a bank account online with Standard Chartered.

Step 2: Select Account Type and Apply for an Account

Once you launch the app, choose the option to open a bank account or apply for an Account. You can select different account types such as:

• SC DigiSmart Current Account
• Ordinary Current Account

Step 3: Verify Your Contact Details

Enter your mobile number and email address. A One-Time Password (OTP) will be sent for verification. This step ensures secure access while you continue the online application process.

Step 4: Upload Your Documents and Selfie

To proceed with your standard bank account online application, upload:

• National ID or passport
• A live selfie for biometric verification

Step 5: Fill in Personal Information

You will be required to complete your profile with:

• Residential address
• Employment details
• Income information
• Tax-related details

Step 6: Review and Submit

Review all details carefully before submitting. Accept the terms and conditions, then finalize your online application to open a bank account.

Next Steps after Opening Your Account

Once submitted, your application is processed digitally by Standard Chartered Kenya. In most cases, the account is activated without requiring a branch visit, although additional verification may occasionally be requested.

You can also access your account through mobile banking immediately after approval.

Opening a Standard Chartered Kenya Diaspora Account

For customers living outside Kenya, the Standard Chartered Kenya Diaspora Account provides a fully remote onboarding process.

Unlike the instant mobile onboarding, diaspora applications are handled through international banking channels, but still allow users to apply for an Account online.

Requirements for Standard Chartered Kenya Diaspora Account

To open a Standard Chartered Kenya Diaspora Account, you will need:

• Kenyan National ID or passport
• KRA PIN certificate
• Proof of foreign residence (utility bill, lease agreement, or bank statement)
• Recent payslips or bank statements
• Additional tax forms such as W-8BEN or W-9 for US residents

How to Apply for a Diaspora Account Online

To apply for a Standard Chartered Account from abroad:

1. Submit an inquiry through Standard Chartered’s international banking portal
2. Wait for contact from a relationship manager
3. Upload documents through a secure link
4. Complete video KYC verification
5. Select account currency (KES, USD, GBP, or EUR)