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Premium Deposit enables you to stay control of higher interest rates with great flexibility

Important Note                                                
Premium Deposit is a structured product involving derivatives. The investment decision is yours but you should not invest in Premium Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.                                                

Premium Deposit

Premium Deposit makes your journey easier when you invest in foreign exchange markets, with the goal of providing you with potentially higher interest income.




On the deposit set up date, you select:

  • a deposit currency, and
  • an alternate currency, and
  • a deposit tenure. The conversion rate is based on your selections to come up with an agreed interest rate.

On the fixing date*, Standard Chartered will compare the conversion rate with the relevant market rate to determine whether the principal and interest will be repaid in the deposit currency or your alternate currency.

* Fixing date will be indicated on the deposit confirmation.


You can choose from 11 currencies – AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, RMB, SGD and USD as your deposit or alternate currency and set the tenure according to your needs. The minimum deposit amount is just USD10,000 or its equivalent.
Return and risk analysis of Premium Deposit

The example below illustrates a case with USD200,000 as deposit currency with AUD as alternate currency:

Deposit Currency USD
Deposit Amount USD200,000
Deposit Tenure 1 month
Alternate Currency AUD
Market Rate
(AUD against USD)
Conversion Rate
(AUD against USD)
Interest Rate 4.5% p.a
Principal + Interest
(P + I) on maturity
USD 200,750.00 (if market exchange rate of AUD against USD appreciates,

P+I will be paid in deposit currency)


AUD 273,129.25 (If the market exchange rate AUD against USD depreciates

or is the same as the conversion rate, P+I will be paid in alternate currency at the conversion rate)


  • The rates shown in the above example are quoted on 15 June 2018.
  • The above is for illustration only. In the worst scenario, you may lose all the investments.


Scenario 1
AUD appreciates against USD
0.745 N/A Gain
Scenario 2
AUD against USD is the same as the conversion rate
0.735 USD
Scenario 3
AUD depreciates against USD
0.725 USD
  • ^ Fixing rate refers to the prevailing market rate as quoted by the Bank on the fixing date.
  • Note : The examples/scenarios shown are for illustration only and shall not constitute any representation or guarantee by the Bank in respect of any possible gains or losses.


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Risk Disclosure Statement

  • Investment involves risks. The worst case will result in loss of your entire investment.
  • Principal Loss Risk / Currency Risk – This product is not principal-protected and the return of which will be dependent on movements in some specified currency exchange rates which are affected by a wide range of factors and may rise or fall rapidly.
  • Liquidity Risk / Early Withdrawal Risk / Cancellation Risk – Any cancellation or withdrawal prior to maturity is subject to the consent of the Bank. With these risks, investors may incur significant costs or losses.
  • Risks relating to Renminbi– You should note that the value of Renminbi against other foreign currencies fluctuates and will be affected by, amongst other things, the PRC government’s control (for example, the PRC government regulates conversion between Renminbi and foreign currencies), which may adversely affect your return under this product when you convert Renminbi into your home currency. Renminbi is not a freely convertible currency. Any conversion of Renminbi through banks in Hong Kong may be subject to certain restrictions prevailing at the relevant time.

Not Protected under Deposit Protection Scheme

  • Premium Deposit is NOT an alternative to ordinary saving or time deposit, and is NOT a protected deposit and NOT being protected under the Deposit Protection Scheme in Hong Kong.



This webpage does not constitute any offer, invitation or recommendation to any person to enter into any transaction described therein or any similar transaction, nor does it constitute any prediction of likely future price movements. All figures appearing are for illustration purposes only. Investor(s) should not make investment decision based on this webpage alone. This webpage has not been reviewed by the Securities and Futures Commission or any regulatory authority in Hong Kong.