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Save deposit interest rates masthead
Save deposit interest rates masthead

Standard Chartered offers a wide range of cash management and deposit products that give you added value and benefits

Deposit Interest Rates

Savings Account

Basic Savings Account
Balance Tier (RM)
Interest Rate (% p.a.)
All balances 0.25

Interest is calculated daily and paid 6-monthly. Effective date: 25/05/2009

Master Savings Account1
Balance Tier (RM)
Interest Rate (% p.a.)
Up to 25,000 0.00
> 25,000 – 150,000 0.10
> 150,000 – 300,000 0.20
> 300,000 – 800,000 0.30
Above 800,000 0.70

Interest is calculated daily and paid monthly. Effective date: 01/08/2009

1Product not available for account opening effective 2 January 2013

All of the accounts mentioned above are eligible for protection by PIDM.

e$aver Account2
Balance Tier (RM)
Interest Rate (% p.a.)
Up to 50,000 0.10
> 50,000 – 100,000 0.50
> 100,000 – 200,000 0.70
> 200,000 – 1,000,000 1.50
Above 1,000,000 1.70

Interest is calculated daily and paid monthly. Effective date: 15/03/2013

2Excluding e$aver Decile 1 accounts

e$aver Decile 1 Account
Balance Tier (RM)
Interest Rate (% p.a.)
All balances 1

Effective Date: 15/08/2016

e$aver PLUS Account1
Balance Tier (RM)
Interest Rate (% p.a.)
Up to 50,000 0.20
> 50,000 – 200,000 1.70
> 200,000 – 1,000,000 2.40
Above 1,000,000 2.70

Interest is calculated daily and paid monthly. Effective Date: 02/01/2013

1Product not available for account opening effective 2 January 2013

Young Savers Account
Balance Tier (RM)
Interest Rate (% p.a.)
Up to 50,000 2.95
Above 50,000 0.25

Interest is calculated daily and paid 6-monthly. Effective Date: 08/03/2018

SeniorSave Account1
Balance Tier (RM)
Interest Rate (% p.a.)
Up to 20,000 0.50
Above 20,000 1.50

Interest is calculated daily and paid 6-monthly. Effective Date: 02/01/2013

1Product not available for account opening effective 2 January 2013

Privilege Savings Account (Priority Banking)
Balance Tier (RM)
Interest Rate (% p.a.)
All Balances 0.50

Interest is calculated daily and paid monthly. Effective date: 1/10/2018

Privilege Savings Account
Balance Tier (RM)
Interest Rate (% p.a.)
All Balances 0.50%

Interest is calculated daily and paid monthly. Effective date: 01/07/2018

Master Savings PLUS Account1
Balance Tier (RM)
Interest Rate (% p.a.)
Up to 500,000 0.50
> 500,000 – 1,000,000 1.20
Above 1,000,000 1.50

Interest is calculated daily and paid monthly. Effective Date: 02/01/2013

1Product not available for account opening effective 2 January 2013

JustOne Personal Savings Account
Balance Tier (RM)
Interest Rate (% p.a.)
All Balances 0.25

Interest is calculated daily and paid monthly. Effective Date: 02/01/2013

JustOne Preferred Savings Account
Balance Tier (RM)
Interest Rate (% p.a.)
All Balances 0.50

Interest is calculated daily and paid monthly. Effective Date: 02/01/2013

JustOne Priority Savings Account
Balance Tier (RM)
Interest Rate (% p.a.)
All Balances 1.00

Interest is calculated daily and paid monthly. Effective Date: 02/01/2013

e$aver PLUS Account (Campaign in Nov 2008)1
Balance Tier (RM)
Interest Rate (% p.a.)
Up to 100,000 0.50
> 100,000 – 200,000 0.50
> 200,000 – 1,000,000 1.50
> 1,000,000 – 5,000,000 1.50
Above 5,000,000 1.70

Interest is calculated daily and paid monthly. Effective Date: 15/03/2013

1Product not available for account opening effective 2 January 2013

e$aver PLUS Account (Campaign in Apr 2009)1
Balance Tier (RM)
Interest Rate (% p.a.)
Up to 500,000 1.50
> 500,000 – 2,000,000 1.50
Above 2,000,000 1.00

Interest is calculated daily and paid monthly. Effective Date: 15/03/2013

1Product not available for account opening effective 2 January 2013

PowerPay Account1
Balance Tier (RM)
Interest Rate (% p.a.)
Up to 50,000 1.00
Above 50,000 2.00

Interest is calculated daily and paid monthly. Effective Date: 15/03/2013

1Product not available for account opening effective 2 January 2013

MyDream Account1
Balance Tier (RM)
Interest Rate (% p.a.)
Up to 5,000 0.30
> 5,000 – 20,000 0.30
> 20,000 – 100,000 0.30
> 100,000 – 200,000 0.70
Above 200,000 1.00

Interest is calculated daily and paid monthly. Effective Date: 15/03/2013

1Product not available for account opening effective 2 January 2013

Current Account

M2 Account1
Balance Tier (RM)
Interest Rate (% p.a.)
Up to 25,000 0.00
> 25,000 – 150,000 0.10
> 150,000 – 300,000 0.20
> 300,000 – 800,000 0.30
Above 800,000 0.80

Interest is calculated daily and paid monthly. Effective date: 01/08/2009

1Product not available for account opening effective 2 January 2013

Preferred M2 Account1
Balance Tier (RM)
Interest Rate (% p.a.)
Up to 150,000 0.10
> 150,000 – 300,000 0.20
> 300,000 – 800,000 0.30
Above 800,000 0.80

Interest is calculated daily and paid monthly. Effective date: 02/01/2013

1Product not available for account opening effective 2 January 2013

SuperSalary Account1
Balance Tier (RM)
Interest Rate (% p.a.)
Up to 1,000 0.00
> 1,000 – 100,000 0.50
Above 100,000 1.00

Interest is calculated daily and paid monthly. Effective date: 15/03/2013

1Product not available for account opening effective 2 January 2013

Fixed Deposit

Tenure
Interest Rate (%)p.a.
1 month 2.95%
2 month 2.95%
3 month 3.10%
4 month 3.10%
5 month 3.10%
6 month 3.15%
7 month 3.15%
8 month 3.15%
9 month 3.15%
10 month 3.15%
11 month 3.15%
12 month 3.25%

Interest is calculated on a contractual basis and paid upon maturity (for tenures of 1-12 months) or on a half yearly basis (for tenures of more than 12 months). Effective Date: 8 March 2018

Foreign Exchange Rates

Standard Chartered Bank Malaysia Berhad

These are indicative rates and should not be construed to be applicable for any specific transaction.

Published rate as at 19/11/18 8:42:31 AM

The bank reserves the absolute right and discretion to change the rates below.

UNIT
CURRENCY
SELLING TT/OD
BUYING TT
BUYING CP
SWIFT CODE
1 U.S. DOLLARS 4.267 4.1077 4.1054 USD
1 STERLING POUNDS 5.4968 5.2577 5.2283 GBP
1 AUSTRALIAN DOLLARS 3.1569 2.9791 2.9606 AUD
1 CANADIAN DOLLARS 3.2542 3.115 3.0991 CAD
1 NEW ZEALAND DOLLARS 2.9527 2.7963 2.7792 NZD
100 CHINESE RENMINBI 61.887 58.7899 0 CNY
1 EURO 4.9258 4.6326 4.6 EUR
100 BANGLADESH TAKA 5.1791 4.823 4.7846 BDT
100 BRUNEI DOLLARS 312.374 297.6566 296.4219 BND
100 DANISH KRONERS 65.7601 62.4101 62.0356 DKK
100 SOUTH AFRICAN RANDS 31.0314 28.8019 28.5444 ZAR
100 HONGKONG DOLLARS 54.988 51.9487 51.4781 HKD
100 INDIAN RUPEES 6.0967 5.5516 5.2851 INR
100 INDONESIAN RUPIAH 0.03 0.0274 0.0271 IDR
100 JAPANESE YEN 3.8237 3.6111 3.5954 JPY
100 NORWEGIAN KRONERS 51.1291 48.117 47.8029 NOK
100 FILIPINO PESO 8.2652 7.6798 7.6048 PHP
100 PAKISTAN RUPEES 3.2391 2.9976 2.9737 PKR
100 SAUDI ARABIAN RIYALS 115.4868 107.862 106.898 SAR
100 SINGAPORE DOLLARS 311.7226 298.768 297.5288 SGD
100 SRI LANKA RUPEES 2.4544 2.2885 2.1777 LKR
100 SWEDISH KRONERS 47.8521 45.1341 44.822 SEK
100 SWISS FRANCS 430.9422 407.4265 405.3502 CHF
100 THAI BAHTS 13.361 12.1646 12.08 THB
100 U.A.E. DIRHAMS 0 0 0 AED

Base Rate = 3.77%

What is the base rate (BR)?

The BR we offer on this product is made up of two parts, our benchmark cost of funds (COF) and the Statutory Reserve Requirement (SRR) cost imposed by Bank Negara Malaysia. Our benchmark COF is the marginal cost of raising funds for the mortgage loans.

What are possible scenarios to trigger a change in the BR?

Our BR can rise or fall due to changes in the benchmark COF and changes in the SRR.

Changes in the benchmark COF could occur due to changes in the Overnight Policy Rate (OPR) as decided by the Monetary Policy Committee (MPC) of Bank Negara Malaysia. In addition, as the benchmark COF is the marginal cost of raising funds, it will change in line with fluctuation in the market funding condition.

SRR cost will change in line with changes in the SRR rate as decided by MPC of Bank Negara Malaysia.

Historical benchmark COF and BR in the last 3 years.

Effective date: 5 Feb 2018
Applicable for all new individual loan applications
Before 5 Feb 2018
From 5 Feb 2018
Reference Rate BR = 3.52% BR = 3.77%
Interest Rate BR + 1.00% BR + 1.00%
Effective Lending Rate 4.52% 4.77%
Monthly instalment (RM) 1,777.56 1,829.99
FOR ILLUSTRATION PURPOSE:
Loan Amount: RM350,000 (No Lock-In Period)
Loan Tenure: 30 years

Note: Effective Lending Rate may vary if BR or BLR changes.

Base Lending Rate = 6.95% p.a.

Effective date: 5 Feb 2018

Not applicable for new individual loan/financing applications from 2 January 2015 onwards

Effective date: 5 Feb 2018

Not applicable for new individual loan/financing applications from 2 January 2015 onwards

Wealth Financing: Foreign Currency Cost of Funds

Published rate as at 16/11/2018. The bank reserves the absolute right and discretion to change the rates below.

CURRENCY
BASE RATE (% P.A.)
USD 2.450
EUR 0.125
GBP 0.836
NZD 1.667
SGD 1.859
AUD 2.179
HKD 0.825

Foreign Currency Account

Foreign Currency Deposit Account ( FCA) interest rates are dependent on market rates and could fluctuate from day to day. Please check with your nearest branch or contact your Relationship Manager (RM) for the latest FCA interest rate.

Calculation of the interest rate on FCA account is as follows: (Available Balance x Interest Rate)/365

Foreign Currency Account

KLIBOR rate = 3.69%

Effective date: 1 October 2018 – 31 December 2018.

Not applicable for new individual loan / financing applications from 2 January 2015 onwards.

KLIBOR rate = 3.43%

Terms and Conditions

Member PIDM