Online banking I think means being able to access and transact your account electronically through the internet. Having a website can not be said to be online banking.
@Daudi,
I am surprised to hear you are having issues with your Online application at Standard Chartered. i have come to find them to be among the most reliable banks around so that comes as a surprise. Nevertheless, their online banking system is world class, if you manage to get it. Maybe you should try and visit the branch and just demand to speak to a manager.
Other banks have a long way to go. NIC and CBA have some sort of online banking but they are below standards as far as interface and functionality is concerned.