Foreign Exchange Time Deposit

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Up to

13.8%p.a.

by exchanging currencies and set up Time Deposit
Flexible tenors of

7 days or 14 days

to seize market opportunities
Open an account with

3 steps

in SC Mobile App

Up to 13.8%p.a. preferential interest rate

Exchange the designated currency and set up a 7-day or 14-day Foreign Exchange Time Deposit (“FXTD”) to enjoy the following preferential interest rate (p.a.).

TENOR	TYPE	FXTD INTEREST RATE (P.A.)
		HKD	USD	RMB	AUD	NZD	CAD	GBP
7 days	Set up online or Set up by Priority Private / Platinum FX membership clients	10%	10%	11%	13.8%	13.8%	13.8%	13.8%
7 days	Others	9.5%	9.5%	10.5%	12.5%	12.5%	12.5%	12.5%
14 days	Set up online or Set up by Priority Private / Platinum FX membership clients	5.5%	5.5%	5.5%	7%	7%	7%	7%
14 days	Others	5.4%	5.4%	5.4%	6.8%	6.8%	6.8%	6.8%

How to set up Foreign Exchange Time Deposit via SC Mobile App

Step 1

Select “Discover”, “Deposits”, “Foreign Exchange Time Deposit” and click “Apply Now” in SC Mobile App

Step 2

Review offer details, choose and exchange the designated currency

Step 3

After the exchange, input the deposit amount and select the tenor, then acknowledge the terms and conditions. Review and submit your application

Service hours: 9am-11pm, Monday to Saturday, except public holidays
* Photos are for reference only.

Existing SC Mobile App clients can apply through the QR code to logon and enjoy preferential interest rate. New users can download the App through App Store / Google Play:

Foreign Exchange Time Deposit SC Mobile App QR code

App Store is a service mark of Apple Inc. Google play is a trademark of Google Inc.

or click here to apply via Online Banking

Other Account Opening Channels

Log in Online Banking (Service hours: 9am-11pm, Monday to Saturday, except public holidays); or
Visit any of our branches; or
Via phone instruction; or
Access My RM platform (For existing Priority Private or Priority Banking clients only)

For Eligible FX Transactions conducted via SC Mobile App or Standard Chartered Online Banking, both the Eligible FX Transactions and the FXTD must be placed under “Foreign Exchange Time Deposit Account” via “Time Deposits” menu in SC Mobile App or “Open a Time Deposit” menu in Standard Chartered Online Banking in order to enjoy this Offer.
The required minimum opening balance of the FXTD via SC Mobile App / Online Banking is HKD/RMB10,000 or 2,000 in original currency.
The required minimum opening balance of the FXTD via branch / “My RM” platform is HKD100,000 or equivalent in other designated currency.
The FXTD interest rates as shown above and on the relevant promotion materials are quoted with reference to interest rates offered by the Bank as of 1 December 2023
and are not guaranteed. The Bank reserves the right to make any adjustment to the time deposit interest rate of the Offer from time to time at its sole and absolute discretion, as per prevailing market conditions. You may approach our branch staff / visit SC Mobile App or Standard Chartered Online Banking to enquire about the interest rate applied on the FXTD for this Offer.

Terms and Conditions of Foreign Exchange Time Deposit Offer

Risk Disclosure Statement for RMB Deposit Services:

Renminbi (“RMB“) exchange rate, like any other currency, is affected by a wide range of factors and is subject to fluctuations. Such fluctuations may result in gains and losses in the event that you subsequently convert RMB to another currency (including Hong Kong Dollar); and
RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to restrictions specified by the Bank and regulatory requirements applicable from time to time. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.

Risk Disclosure Statement for Foreign Exchange:

Foreign Exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or significant losses in the event that you convert deposit from the foreign currency to another currency (including Hong Kong Dollar).

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Terms and conditions

Risk Disclosure Statement