I bank with StanChart. I'm on the 'all in one account' that charges a monthly flat-rate fee. - *Cost :* Internet banking comes at no extra charge; save for standard charges (local transfers are free, international transfers to non-StanChart accounts cost slightly under 2,500 per transaction). - *Security :* Apart from the obvious password protection, they use 2 factor authentication (2FA) whereby all beneficiary accounts have to be added in advance (only once). A code is then sent to your registered phone number via SMS. You then key in this code into the beneficiary addition form for the recipient accounts to be registered onto your profile. All subsequent transfers to these beneficiaries will not be subjected to further authentication, - *Credit Card Linkage :* Yes - It's seamless. Credit card payments, history and balances can be viewed from the internet banking account. - *Speed of Info Upload : *I'm not sure if I full understood your query, but for Santa's sake let me try to give some answer..... You can change most of your registration details almost instantly with 2FA. Some details may require further approvals by the bank where normal reasonable wait times apply. Cash transfers to any StanChart account in the world are instant. Other transfers are normally enforced at around 3pm of any normal working day. My rating. I have no reason to look elsewhere. The facility just works fine for me. *PS :* - NIC Bank has ventured into use of One-Time-Passwords generated from physical tokens/smartphone apps. - CBA seens to have some fan club here ~~~> http://www.wazua.co.ke/forum.aspx?g=posts&m=618634 Tony.