Standard Chartered Bank Email Virus

Also Known As: Standard Chartered payment virus
Type: Trojan
Distribution: Moderate
Damage level: Severe

"Standard Chartered bank Email Virus" removal guide

What is "Standard Chartered bank Email Virus"?

"Standard Chartered bank Email Virus" is one of many different spam email campaigns that includes TNT Email Virus, Thanksgiving Email Virus, and CitiBank Email Virus. This campaign is used by cyber criminals to proliferate a computer infection by tricking people into opening an email attachment. In this case, scammers attempt to infect people's computers with Pony malware, which steals personal data.

Standard Chartered bank Email Virus

In the "Standard Chartered bank Email Virus" spam campaign, scammers pose as representatives of a bank called Standard Chartered. According to them, the email relates to payment advice that can be viewed by downloading the attachment. Cyber criminals behind this scam use a reverse logic tactic: they claim that this email and its attachment are confidential and, if you have received it by mistake, you should not open it and you should delete it. They even inform recipients that some such untrustworthy emails might cause computer infections, errors, and so on. Note that you should ignore this email attachment. As mentioned, the attachment presented with the "Standard Chartered bank Email Virus" spam campaign proliferates the Pony virus. When the attachment is downloaded, it must first be extracted for the scam to take effect. The archive file (with a ".arj" extension) extracts an executable (.exe) file that, once executed, installs the virus. Pony collects users' logins/passwords (and possibly other sensitive data) and sends them to a remote server controlled by cyber criminals. These people might gain access to users' bank accounts, thus causing financial losses. If installed, the malware process can be found running in Task Manager under the name "EUPHENICS1 (32 bit)". We provide a screenshot of this process below. You are advised to ignore the "Standard Chartered bank Email Virus" spam campaign. Do not download or open the attachment. Also ignore any other similar emails. If you have already opened the attachment, immediately scan the system with a reputable anti-virus/anti-spyware suite and eliminate all detected threats.

Threat Summary:
NameStandard Chartered payment virus
Threat TypeTrojan, Password stealing virus, Banking malware, Spyware
SymptomsTrojans are designed to stealthily infiltrate victim's computer and remain silent thus no particular symptoms are clearly visible on an infected machine.
Distribution methodsInfected email attachments, malicious online advertisements, social engineering, software cracks.
DamageStolen banking information, passwords, identity theft, victim's computer added to a botnet.

To eliminate Standard Chartered payment virus our malware researchers recommend scanning your computer with Spyhunter.
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Different spam campaigns proliferate different viruses. Some examples of other infections are FormBook, Adwind, TrickBot, and AZORult. These viruses are designed to gather as much personal data as possible including logins, passwords, banking details, and so on - anything that can be used to generate revenue. Some cyber criminals attempt to infect systems with viruses that proliferate other viruses (chain infections). Trojans are an example. These might cause ransomware-type infections (viruses that encrypt data and make ransom demands).

How did "Standard Chartered bank Email Virus" infect my computer?

As mentioned above, spam campaigns infect systems through attachments. Typically, these can proliferate viruses when they are downloaded and opened (depending on the malicious file). In this case, cyber criminals present an attachment as an archive file. To infect a system, the file must be extracted and then executed. It then begins installation of the Pony virus. In other cases, cyber criminals send Microsoft Office documents, PDF files, executables, and so on.

How to avoid installation of malware?

To keep your computer safe from infections that are proliferated using spam campaigns, carefully analyze emails that contain attachments. If you receive an email from an unknown/suspicious address, do not open any link or attachment. The same applies to emails that seem irrelevant due to the context of the message. Furthermore, have a reputable anti-spyware or anti-virus suite installed and keep it enabled at all times - these tools can stop viruses and other infections before do any damage. If you have already opened the "Standard Chartered bank Email Virus" attachment, we recommend running a scan with Spyhunter for Windows to automatically eliminate infiltrated malware.

Text presented in the "Standard Chartered bank Email Virus" email message:

Subject: Your beneficiary advice from Standard Chartered bank.

Dear customer,

We are pleased to attach your Payment advice with this email, based on the request from the sender to keep you informed.

Should you have any enquiry or require assistance, please contact the sender (our customer) at the contact number stated in the attached advice.

Please note that you will need Adobe Acrobat Reader Version 5.0 or above to view your advice. If you do not have the required software, you can download it from the Adobe website at

This is a system generated e-mail. Please do not reply to the sender of this e-mail.

Best Regards,
Customer Service Manager
Standard Chartered Bank


This email and any attachments are confidential and may also be privileged. If you are not the addressee notify the sender immediately and destroy this email without using, sending or storing it. Emails are not secure and may suffer errors, viruses, delay, interception and amendment. Standard Chartered PLC and subsidiaries ("SCGroup") do not accept liability for damage caused by this email and may monitor email traffic. Unless expressly stated, any opinions are the sender's and are not approved by SCGroup and this email is not an offer, solicitation, recommendation or agreement of any kind. You may wish to refer to the incorporation details of Standard Chartered PLC, Standard Chartered Bank and their subsidiaries at hxxps://

If you wish to be discontinue receiving your statements through email, please contact your customer services representative or your local Standard Chartered Bank support telephone number.

Standard Chartered Bank ("SCB") is a member of SCGroup incorporated in England with limited liability. SCB's principal office is 1 Basinghall Avenue, London, EC2V 5DD, UK. SCB is authorised and regulated by the Prudential Regulation Authority ("PRA") and the Financial Conduct Authority ("FCA") and registered with PRA and FCA under no. 114276. SCB's VAT no. is GB244106593. PRA and FCA are the lead regulators for the SCGroup. For regulators in other countries contact the local compliance officer.

Screenshot of a malicious Task Manger process ("EUPHENICS1 (32 bit)") that infects computers through the "Standard Chartered bank Email Virus" email attachment:

EUPHENICS1 Pony virus process in Task Manager

Instant automatic removal of Standard Chartered payment virus: Manual threat removal might be a lengthy and complicated process that requires advanced computer skills. Spyhunter is a professional automatic malware removal tool that is recommended to get rid of Standard Chartered payment virus. Download it by clicking the button below:
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How to remove malware manually?

Manual malware removal is a complicated task - usually it is best to allow antivirus or anti-malware programs to do this automatically. To remove this malware we recommend using Spyhunter for Windows. If you wish to remove malware manually, the first step is to identify the name of the malware that you are trying to remove. Here is an example of a suspicious program running on a user's computer:

malicious process running on user's computer sample

If you checked the list of programs running on your computer, for example, using task manager, and identified a program that looks suspicious, you should continue with these steps:

manual malware removal step 1 Download a program called Autoruns. This program shows auto-start applications, Registry, and file system locations:

screenshot of autoruns application

manual malware removal step 2Restart your computer into Safe Mode:

Windows XP and Windows 7 users: Start your computer in Safe Mode. Click Start, click Shut Down, click Restart, click OK. During your computer start process, press the F8 key on your keyboard multiple times until you see the Windows Advanced Option menu, and then select Safe Mode with Networking from the list.

Safe Mode with Networking

Video showing how to start Windows 7 in "Safe Mode with Networking":

Windows 8 users: Start Windows 8 is Safe Mode with Networking - Go to Windows 8 Start Screen, type Advanced, in the search results select Settings. Click Advanced startup options, in the opened "General PC Settings" window, select Advanced startup. Click the "Restart now" button. Your computer will now restart into the "Advanced Startup options menu". Click the "Troubleshoot" button, and then click the "Advanced options" button. In the advanced option screen, click "Startup settings". Click the "Restart" button. Your PC will restart into the Startup Settings screen. Press F5 to boot in Safe Mode with Networking.

Windows 8 Safe Mode with networking

Video showing how to start Windows 8 in "Safe Mode with Networking":

Windows 10 users: Click the Windows logo and select the Power icon. In the opened menu click "Restart" while holding "Shift" button on your keyboard. In the "choose an option" window click on the "Troubleshoot", next select "Advanced options". In the advanced options menu select "Startup Settings" and click on the "Restart" button. In the following window you should click the "F5" button on your keyboard. This will restart your operating system in safe mode with networking.

windows 10 safe mode with networking

Video showing how to start Windows 10 in "Safe Mode with Networking":


manual malware removal step 3Extract the downloaded archive and run the Autoruns.exe file.

extract and run autoruns.exe

manual malware removal step 4In the Autoruns application, click "Options" at the top and uncheck the "Hide Empty Locations" and "Hide Windows Entries" options. After this procedure, click the "Refresh" icon.

Click 'Options' at the top and uncheck 'Hide Empty Locations' and 'Hide Windows Entries' options

manual malware removal step 5Check the list provided by the Autoruns application and locate the malware file that you want to eliminate.

You should write down its full path and name. Note that some malware hides process names under legitimate Windows process names. At this stage, it is very important to avoid removing system files. After you locate the suspicious program you wish to remove, right click your mouse over its name and choose "Delete".

locate the malware file you want to remove

After removing the malware through the Autoruns application (this ensures that the malware will run automatically on the next system startup), you should search for the malware name on your computer. Be sure to enable hidden files and folders before proceeding. If you find the filename of the malware, be sure to remove it.

searching for malware file on your computer

Reboot your computer in normal mode. Following these steps should remove any malware from your computer. Note that manual threat removal requires advanced computer skills. If you do not have these skills, leave malware removal to antivirus and anti-malware programs. These steps might not work with advanced malware infections. As always it is best to prevent infection than try to remove malware later. To keep your computer safe, install the latest operating system updates and use antivirus software.

To be sure your computer is free of malware infections, we recommend scanning it with Spyhunter for Windows.

About the author:

Tomas Meskauskas

Tomas Meskauskas - expert security researcher, professional malware analyst.

I am passionate about computer security and technology. I have an experience of over 10 years working in various companies related to computer technical issue solving and Internet security. I have been working as an author and editor for since 2010. Follow me on Twitter and LinkedIn to stay informed about the latest online security threats. Contact Tomas Meskauskas.

PCrisk security portal is brought by a company RCS LT. Joined forces of security researchers help educate computer users about the latest online security threats. More information about the company RCS LT.

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Malware activity

Global virus and spyware activity level today:

Medium threat activity

Increased attack rate of infections detected within the last 24 hours.

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Standard Chartered payment virus QR code
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Platform: Windows

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