• Potential higher yield comparing to fixed deposit interests.
  • 100% principal protection when held till maturity, suitable even for customers with a low degree of risk appetite.
  • Flexible investment term can range from more than 1 month to 60 months to meet various liquidity requirements.
  • Multicurrency, we offer Structured Deposit in RMB, USD and other FCY.


  • Risks Disclosure
    Structured Deposit bears risks. Only the principal is protected and no investment yield is guaranteed. You should fully understand the risks associated with this investment and exercise caution when you invest. Under the worst scenario, the investment return is zero if the Structured Deposit is held to the maturity date.

How It Works

  • We provide various investment strategies linking investment return with interest rate market trends.
  • The investor is to sign up term sheet if the investment strategy meets your interest rate market view.
  • We will distribute investment return on coupon payment date based on pre-agreed calculation method and repay principal on maturity date.


Minimum Investment Amount RMB 100,000 (or its equivalent in foreign currency)


  • What are the requirements and restrictions for early withdrawal or redemption?

    No Early Withdrawal Or Redemption Without Bank's Consent: The Deposit may only be withdrawn or redeemed prior to the Maturity Date with the consent of the Bank and upon terms agreed between the Bank and customer. Such terms may include, but not limited to, the cost of unwinding a hedging position taken by the Bank in connection with the transaction.

Note: This material is for reference only, and does not constitute offer or invitation for offer of any financial service or product. Please refer to relevant service or product terms for details of the service or product. Standard Chartered Bank (China) limited (the "Bank") may alter any contents herein at its sole discretion at any time, and please make sure to check with your Relationship Manager for details. The Chinese version shall prevail in case of a discrepancy between the English version and Chinese version.

Call Us

Call our hotline for further information.
(0830-1800, Monday to Friday)

800 988 0018 (Telephone)
400 888 8393 (Mobile)

Get in touch

Alternatively, please complete our contact form and we will be in touch as soon as possible.

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Locate Us

Visit the branch that is nearest to you.

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Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.