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Internet banking

Internet banking is the perfect way to do your banking… from home, the office or while travelling. The service is available 24 hours a day, 7 days a week. Internet banking gives you the freedom to choose your own banking hours and gives you greater control of your finances. It's secure, fast and easy to use.

What does it offer me?

  • Inter-account transfers
  • Viewing of balances
  • Download statements  up to maximum 6months
  • Multiple scheduled payments
  • Local and CMA Payments ( Namibia, South Africa and Swaziland)
  • Bill payments
  • Service request
  • Pay for Preapid Electrcity, TV Subscription and Airtime purchase
  • Account to Wallet
  • Savings account opening
  • Reduced transaction costs make it a cost-effective way to bank.


Internet banking Terms and Conditions


Agreement and acceptance

This agreement becomes effective between you and Standard Lesotho Bank Limited, ("the bank", “we" or "us") at the time of registering for electronic banking or at the time you access electronic banking, whichever occurs first. For purposes of this agreement "electronic banking" includes Internet banking, Mobile banking and pre-paid products through Internet or Mobile banking.

Incorporated terms

In addition to this agreement, the terms and conditions of your automated teller machine (ATM) card (bank card terms) and account or facility terms and conditions (other terms) shall apply to all transactions you carry out or instruct us to carry out through bank accounts linked to the card or account number you select when using electronic banking.

In the event of conflict between the provisions of this agreement and the bank card terms or any other term, the provisions of this agreement will prevail. Where the bank card terms or other terms require amendment or additions thereto to be reduced to writing and/or signed, your acceptance of this agreement shall be deemed to satisfy such requirements.

Defining the device and medium

The device which you select to access electronic banking may include a computer, cellphone, telephone, television or similar technologies (the device) and the medium through which you access electronic banking may include the Internet, wireless application protocol (WAP), wireless Internet gateway (WIG), short messaging system (SMS), voice over an automated voice recognition system or similar technologies (the medium). We will refer to the device and the medium collectively as “the communication system". Where a particular communication system requires contractual provisions different from other communication systems, this will be clearly stated in this agreement.

Linked text

For ease of use, we have included automated links (hyperlinks) in this agreement to information elsewhere on the communication system. These links are indicated by blue underlined text and your mouse’s cursor should change into a hand or other pointer when held over this text. You are obliged to view the relevant parts of the hyperlinked information, which information will be regarded as forming part of this agreement. If your communication system cannot access the hyperlinks, you must visit our website at www.standardlesothobank.co.ls to access the linked information or contact our Customer Contact Centre.


We may amend this agreement from time to time and you are bound by the version of this agreement that exists at the time you access electronic banking. The date of the version is recorded above clause 1.

Requirements and registration

Before you can use electronic banking you must follow certain steps.

  • Internet banking

    You must first register at your nearest branch by filling in a registration form.

    You will be issued with a onetime password (OTP) that you have to change once you have logged on to the Internet site for the first time. You must then create your own password. For more information on how to do this you can visit a branch or call our Customer Contact Centre.

  • Mobile banking

    You must first register at your nearest branch by filling in a registration form. You will be issued with a password. For more information on how to do this you can visit a branch or call our Customer Call Centre. Your cellphone will have to meet certain technical requirements before you will have the functionality which is needed to do Cellphone banking.

  • Pre-paid products

    The value of pre-paid recharges is linked to your daily cash withdrawal limit. You need your ATM card and PIN to recharge your airtime at an ATM. To use our other self-service channels, including Internet banking and Mobile banking, you will need to login using your details from your self-service banking profile. If you do not have a self- service banking profile, go to the nearest branch to register. Note that as payments cannot be reversed, neither Standard Lesotho Bank nor your service provider will be held responsible should the cellphone number you entered not be the one you wish to recharge.

  • Verification

    You may not create a password using somebody else's bank details. Before we allow you access to electronic banking we may require information from you so that we can verify (your identity) that you are who you say you are. We will require your prior consent (express or implied), to perform credit or other checks on you before we process an instruction.


For the use of electronic banking you will be charged the following fees:

  • For Internet banking we may charge you a monthly subscription fee.
  • We may charge a transaction fee based on the type of transactions you perform. Details of our standard subscription and transaction fees are available on our website and at our branches.
  • For mobile banking we may charge you subscription fees as well as transaction fees. If you fail to pay our fees or if you have insufficient funds in the accounts which you have selected for this purpose, we reserve the right to refuse you access to the relevant electronic banking service and to debit all outstanding fees to any other account you have with the bank.

We will act on instructions that appear to have been sent by you.

Use of a communication system means we do not interact face-to-face.

Any electronic communication which the bank receives from or in the name of the customer, or which appears to be from or in the name of the customer regardless of whether or not the electronic communication was actually from or in the name of the customer, will be considered to be truly from the customer and binding upon the customer and the bank will be authorized to rely and act upon any such communication The customer further recognizes that any compromise by him I her of the access code any defined herein including a password or username or any possession of the access code may result in that person having access to or being able to use the relevant means of electronic communication and that the use of electronic communication will be deemed to be conclusive proof that the electronic communication was authorized by the customer and the customer will assume full responsibility for the risks of such compromise and or possession.

Sending and processing instructions

Your instructions to us will be subject to the same turn-around times and processes that apply to your customer profile, the type of account you have and type of transaction involved. More information on the turn-around times for processing of instructions is available on our website.

An instruction, including purchases of prepaid products, cannot be terminated or revoked once sent to us. You will not hold us liable if you execute the same instruction more than once and neither instruction will be reversible.

Confirmation of receipt of your instructions

An instruction is deemed to be received by us only once we have confirmed we have received it. If we fail to confirm receipt of your instruction, do not re-send the same instruction before checking your statements and contacting our Customer Contact Centre No (+266)22212221. This is because the initial instruction may still be processed and re-sending the instruction may lead to a double transaction for which we will not be held liable.

Access code protection and irregularities

An “access code" refers to your password and user name. You must protect and keep your access codes confidential at all times. It is not safe to store them on your computer or on a network. We rely on you to report any compromise of your access codes to us without delay. You may do this by contacting our Customer Contact Centre or your branch. We may ask you to verify your identity to prevent someone else from impersonating you. Once you notify us to disable an access code we are entitled to:

  • A reject all instructions received after such notification;
  • Suspend the processing of all instructions not yet executed;
  • Reverse (if possible) all executed transactions with effect from such date and time as we may reasonably determine the unauthorised use to have commenced;
  • Deactivate the access code without further notice;

There will never be a reason for any person including a member of our staff or Customer Contact Centre to know or ask for your access code. Do not disclose an access code to these persons, regardless of whether you called them or they called you. You must immediately notify us if you discover an error or irregularity. You can report any errors to our Customer Contact Centre or at any branch.

If you are negligent in not promptly reporting any access by a third person of your access code or your bank card to the bank, you will be responsible for all risks and or losses arising as a result thereof.

One Time Password

A unique and time-sensitive password used as added security on Internet banking. The password does not replace the password you use to log on to Internet banking but provides a second layer of security. The password will be sent to you by SMS and is valid for one Internet banking session only. The one time password (OTP) is used for the following:

  • Adding beneficiaries;
  • Amending beneficiaries;
  • Changing your password;
  • Changing your cell phone number.

You may open an account through Internet banking. Upon opening of such an account you are bound by the terms and conditions similar to current account and debit card. You are also bound by our Internet Banking terms and conditions. Translatability on that account is your sole responsibility and where applicable you are liable for the fees.

Ending a session

You must ensure that you log-off from the Internet banking service.

Your authority

You permit us to regard all activities you conduct or instructions sent after you enter your access code as being authorized by you and intended to have legal force and effect.

Sufficient notice

You permit us to issue notices required in terms of this agreement, legislation or regulation by making such notification available via our communication systems or sending such notification by email, SMS or similar future technologies. Any notices so issued by us, will as far as they contain contractual terms relating to electronic banking, also form part of this agreement and any such communication shall be deemed to have been received by you once sent by us to the communication particulars or details furnished to us by yourself or on your behalf.

No offer, recommendation or solicitation

Unless clearly stated, all material on the communication system merely constitutes an invitation to do business with us. It does not constitute an offer or solicitation to buy or sell, or dispose in any way, of any investment, or to enter into any transaction.

Nature of information on the communication system

Information on the communication system is intended to provide you with only general information about the bank, its products, services and objectives.

These will be only estimates so actual events or results may differ. All information is provided “as is" and should not be treated as professional or investment advice of any kind. You should consult your own professional advisers before relying on any information on the communication system.

From time to time we may provide information on: projected revenues, income, earnings per share, capital expenditures, dividends, capital structure or other financial items; our plans, objectives and projections for future operations and services; and future economic performance.

Information feeds

We may use the services of other organizations to provide information on the communication system. We have no control over this information and make no representations or warranties of any nature as to its accuracy, appropriateness or correctness. You agree that such information is provided "as is" and we will not be directly or indirectly liable for any damages that may arise from you relying on it. All quotes, news, market information such as share prices or data shown on the communication system by way of live information feeds are delayed by at least 30 minutes unless otherwise stated. You should always select the "refresh" or similar page or screen update function on your Internet browser or handset to ensure that the information you are viewing is the most current.

Links to third parties' communication systems

The communication system may contain links to other communication systems that carry information and material produced by other parties. While accept responsibility or liability for the information provided on other communication systems. A link from our communication system to any other communication system does not mean that we have scrutinized or endorsed the owners or administrators of such communication systems or their business or security practices and operations.

Our intellectual property

We retain all copyright and other intellectual property rights in all material, including logos and other graphics and multimedia works published on or via the communication system. You are authorized to view and download one copy to a local hard drive or disk, print and make copies of such printouts provided that: the material is used for considering or using electronic banking and for no other commercial purposes; and any reproduction of any portion of our proprietary material must include our entire copyright notice. The logos and trademarks shown on our communication system are our registered and unregistered trademarks or those of third parties. Nothing contained on our communication system should be construed as granting any license or right to use any trade mark or other intellectual property without our prior written permission or that of the relevant third parties. Your application to use any content from our communication system must be submitted in writing to [email protected]. On receipt we will try to respond and enter into further discussions with you consider your request as declined if you don’t get a written response from us within five business days. Irrespective of the existence of copyright, you acknowledge that we are the proprietor of all material on the communication system, whether it constitutes confidential information or not, and that you shall have no right, title or interest in any such material.


You must use and maintain only hardware and software of sufficient quality and performance capability. Your failure to use such software or hardware may result in a higher security risk and cause the communication system not to operate properly or not at all.

Software, if any, made available for download on or via the communication system is governed by license conditions that establish a legal relationship with the licensor. You indemnify us against any breach of these license conditions. We give no warranty and make no representation, whether expressly or implied, as to the quality or fitness for purpose or use of such software.

No warranty, whether express or implied is given that any files, downloads or applications available via this communication system are free of viruses, Trojans, bombs, time-locks or any other data or code which has the ability to corrupt or affect the operation of your computer, database, network or other information system.

Transmission of information and security tips

Information transmitted via an unsecured link over a communication system is susceptible to potential unlawful access, distortion or monitoring. You must comply with the security tips which are published on our website from time to time. As we do not have the ability to prevent unlawful activities by unscrupulous persons, you accept that we cannot be held liable for any loss, harm or damage suffered by you as a result thereof. To limit these risks, we may request independent verification of any information transmitted by you via our communication system from time to time.


You indemnify us for all losses and costs we may incur on your behalf due to:

  • non-payment;
  • any instruction exceeding the amount available in your bank account; or
  • unauthorised instructions executed which were not due to our negligence.


Unavailability of electronic banking

We will at all times and for whatever reason, have the sole and exclusive right to suspend or terminate electronic banking without any prior notification or giving any reasons for such termination or suspension. You acknowledge and accept that electronic banking may be unavailable from time to time for any reason, including: technical failure or problems with the communication system itself or our communication system underlying banking systems (the bank system); technical failure or problems with a communication system directly or indirectly underlying electronic banking that is owned or controlled by other persons (third party system); unavailability of telecommunication or electricity services; or other circumstances beyond our control. You undertake, in the event of unavailability of electronic banking, to limit your potential losses by using any other means of communication with us for the duration of the unavailability of electronic banking.

Warranties and representations

We do not warrant that the communication system or electronic banking will be error-free or will meet any particular criteria of accuracy, completeness or reliability of information, performance or quality. We expressly disclaim all implied warranties, including, without limitation, warranties of merchantability, title, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.

Disclaimer and limitation of liability

For purposes of this clause "we" or "us" or "our" includes the bank as well as its affiliates, shareholders, employees, consultants and agents. Although we have taken care to ensure that the content provided on the communication system is accurate and that you suffer no loss or damage as a result of you using it, the communication system and electronic banking are provided "as is".

We are not liable for any damages whatsoever relating to your use of the communication system or electronic banking. This includes the information contained on the communication system or your inability to use the communication system or electronic banking, including, without limitation, any direct, indirect, special, incidental or consequential damages, whether arising out of contract, statute, delict or otherwise and regardless of whether we were expressly advised of the possibility of such loss or damage. Without derogating from the generality of the foregoing, we are not liable for:

  • any damages which you suffer as a result of a compromise of your access codes;
  • any interruption, malfunction, downtime or other failure of the communication system or electronic banking, our banking system, third party system, databases or any component part thereof for whatever reason; any loss or damage which arises from your orders, investment decisions, purchases or disposal of goods and services, including financial instruments or currencies, from third parties based upon the information provided on the communication system;
  • any loss or damage with regard to your or any other data directly or indirectly caused by malfunction of our bank system, third party systems, power failures, unlawful access to or theft of data, computer viruses or destructive code on the bank system or third party systems; programming defects; negligence on our part. any interruption, malfunction, downtime or other failure of goods or services provided by third parties, including, without limitation, third party systems such as the public switched telecommunication service providers, internet service providers, electricity suppliers, local authorities and certification authorities, internet service providers, electricity suppliers [provide country specific example), local authorities and certification authorities;
  • any event over which we have no direct control.


We may terminate your access to electronic banking if you breach a material term of this agreement and fail to remedy it within five days of you being notified of it. We may do this without detracting from our right to take any other steps available to us at law or under this agreement, including the right to obtain an interdict.

How disputes will be resolved

All disputes arising as a result of your use of electronic banking, the interpretation of this agreement or any matter which in terms of this agreement requires agreement by the parties (other than where an interdict is sought or urgent relief may be obtained from a court of competent jurisdiction) will be decided by arbitration. That arbitration will be held with only you and us and both our representatives at the offices of the Arbitration Society of Lesotho. The arbitration will be governed by the arbitration rules in terms of the laws of Lesotho and will be heard by an arbitrator or arbitrators it appoints. Either of us is entitled to have the award made an order of court of competent jurisdiction. Both of us will keep the evidence in the arbitration proceedings and any order made by any arbitrator confidential unless otherwise contemplated herein. The arbitrator will have the power to give default judgement if either of us fails to make submissions on due date or fails to appear at the arbitration.

Capacity to enter into agreements

You warrant to us that you have the required legal capacity to enter into and be bound by this agreement. Anyone below the age of 18 must be assisted by their legal guardian when reading this agreement. If you are below 18 years of age you have to speak to your legal guardian or parents. If you are unsure whether you have the legal capacity to enter into agreements, you have to contact someone able to provide you with this information before you continue to use electronic banking. Our Customer Contact Centre will be able to help you clear this up.


To prevent unnecessary disputes, you agree that unless you can prove otherwise, a certificate signed by a manager whose appointment/capacity need not be proved or his representative is sufficient proof of the date of publication, withdrawal, transmission and content of:

  • the current version and all previous versions of this agreement;
  • notices and disclaimers posted on the communication system; and
  • notification sent under this agreement.

Our address for notices and service of legal process

For the purpose of service of any legal process we choose the following registered address:
Standard Lesotho Bank,
Tower Building,
Kingsway Road,
P.0.Box 1053

Law governing our relationships

This agreement will be governed and construed in accordance with the laws of the Kingdom of Lesotho without reference to any conflict of law provisions.

General provisions

The headings of the clauses in this agreement are provided for convenience and ease of reference only and will not be used to interpret, modify or amplify this agreement.

Where any dates or times need to be calculated in terms of this agreement, the international standard time (GMT) plus two hours is used.

Whenever disputes result from the peculiarities of the communication system, we both authorize a court or arbitrator, as the case may be, to interpret this agreement in such a manner as to facilitate normal banking without placing undue emphasis on technical issues.

No failure or delay by us to exercise any of our rights is to be construed as a waiver of any such right, whether this is done expressly or is implied. It will also not affect the validity of any part of these conditions or prejudice our right to take subsequent action against you.

If any of these terms, conditions or provisions are held to be invalid, unlawful or unenforceable to any extent; such term, condition or provision will be severed from the remaining terms, conditions and provisions, which will continue to be valid to the full extent permitted by law.

If you have any questions about this agreement or do not understand anything in this agreement please call our Customer Contact Centre.

Frequently Asked Questions

Q. What is Internet banking?
A. Internet Banking (IB) is a web-based service that allows you to transact online. It's convenient and easy to use, and allows you to do your banking securely via the Internet 24 hours a day, 7 days a week

Q. What do I need to use of this service and how does it work?
A. All you need is a personal computer, tablet or smart phone that is connected to the Internet, any browser of your choice, for example, Microsoft Internet Explorer, Safari and Mozilla.

Q. How do I sign-up for Internet banking?
A. If you are a Standard Lesotho Bank customer, all you have to do is to register online for the service.

Q. How do I register online?
A. You can self-register on the internet banking landing page. Your One-Time Password (OTP) will be delivered immediately to your cell phone.

Q. I'm registered for Internet banking. How do I sign-on?
A. If you have an Internet connection, simply open your preferred browser and logon to our internet banking website by navigating to Internet Banking on http://www.standardlesothobank.co.ls/. Enter your User ID, password and answer 3 security questions as requested and you will be able to access your accounts.

Q. What is a one-time password (OTP)?
A. It is a single, unique and time-sensitive password used as added security on Internet banking. The password does not replace your User ID and logon password. Your one-time password will be sent to you via SMS or email.

Q. How does an OTP work?
A. Your password will be sent to your mobile phone whenever you perform transactions that need an OTP. The system will prompt you to enter your password after which you will be able to continue with your transaction.

Q. Which transactions need an OTP?
A. The following transactions need an OTP:

  1. Adding company and private beneficiaries
  2. Amending company and private beneficiaries
  3. Authorising a transaction online.
  4. When sending a once off payment
  5. Sending service requests to the bank
  6. Mobile Top-Up

Q. Do I need a different OTP for multiple transactions?
A. A single one-time password can be used to load, amend various beneficiaries’ details and authorise payments during one Internet banking session.

Q. How will you send my OTP to me?
A. Your OTP will be sent by SMS to your mobile phone or via e-mail.

Q. Can I use an OTP a second time?
A. No, an OTP is unique to a particular transaction and cannot be reused

Q. Can the original OTP be resent to me?
A. No, whenever you perform a transaction that needs an OTP, a new password will be sent to you.

Q. How long is the password valid for?
A. It is valid for:

  • A particular transaction
  • Fifteen minutes from the time you receive it.

Q. How secure is Standard Lesotho Internet Banking?
A. We use the latest electronic encryption technology, which ensures the secure transfer of information over the Internet. Your account security is important to us and as a result we have built safety measures into our website that reflect the importance of this issue. You'll be allowed to change your own password, and all information sent and received is encrypted.

Q. What services are offered in IB?
A. The following services are available on IB:

  1. Self-service functionality (Self registration, User ID and Password reset, update personal details)
  2. View and export account balances and statements in XLS,PDF,CSV,HTML
  3. Offline account opening (PureSave Account, Fixed deposit account, Call deposit accounts, Premium Plus Call Account)
  4. Inter account transfers
  5. Real time gross settlement
  6. Bill payments
  7. Offline service requests (Credit Card Statement Request, Renew Fixed Deposit, Request a new cheque book)
  8. Alerts management (e-Alerts and SMS alerts)
  9. Personal Finance Management module - This will help in management of budgets, categorizing transactions, goal creation and tracking of the same.

Q. Do you charge to use the Internet banking service?
A. There is no monthly fee charged for personal banking customers. Transaction fees will be as per the bank pricing tariff guide.

Q. What if I forget my User ID and password?
A. If you forget your User ID and password, please click on the Forgot Password link on the left side of the internet banking website. Your User ID or new password will be sent to you via SMS or email.
You can also contact our customer care centre for more assistance on +266 2221 2221 or email [email protected] for assistance.

Q. Can I view all my accounts on Internet banking, including accounts held at different branches?
A. Yes, you can view all your accounts irrespective of the branch where the account is held

Q. How long does it take for third-party payments to reflect on the receiver’s account?
A. When payments are made to Standard Lesotho Bank accounts they will reflect on the receiver’s account immediately. Payments to third-party banks within Lesotho could take up to 2 day to reflect.

Q. Can we sign on for Internet banking if our account has joint mandates?
A. Please visit our nearest branch to activate internet banking for joint mandates.

Q. What if I have more questions?
A. You can email us at [email protected] or call us on +266 2221 2221.


Online Banking

Customer Care Line

+266 2221 2221


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