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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 Account
Balance Tier (RM)
Interest Rate (%)p.a.
All balances 0.05
Interest is calculated daily and paid monthly. Effective Date: 1/12/2020.
e$aver Account
Balance Tier (RM)
Interest Rate (%)p.a.
All balances 0.05
Interest is calculated daily and paid monthly. Effective Date: 1/12/2020.
Young Savers Account
Balance Tier (RM)
 Interest Rate (%)p.a.
Up to 50,000 2.40
Above 50,000 0.25
Interest is calculated daily and paid 6-monthly. Effective Date: 10/11/2022.
SeniorSave Account
Balance Tier (RM)
Interest Rate (%)p.a.
All balances 0.05
Interest is calculated daily and paid monthly. Effective Date: 1/12/2020.
Privilege Savings Account
Balance Tier (RM)
Interest Rate (%)p.a.
All balances 0.05
Interest is calculated daily and paid monthly. Effective Date: 1/12/2020.
JustOne Personal Savings Account
Balance Tier (RM)
Interest Rate (%)p.a.
All Balances 0.10
Interest is calculated daily and paid monthly. Effective Date: 17/04/2020.
JustOne Preferred Savings Account
Balance Tier (RM)
Interest Rate (%)p.a.
All Balances 0.10
Interest is calculated daily and paid monthly. Effective Date: 05/06/2020.
JustOne Priority Savings Account
Balance Tier (RM)
Interest Rate (%)p.a.
All Balances 0.10
Interest is calculated daily and paid monthly. Effective Date: 05/06/2020.
PowerPay Account*
Balance Tier (RM)
Interest Rate (%)p.a.
All Balances 0.05
Interest is calculated daily and paid monthly. Effective Date: 1/12/2020
MyDream Account
Balance Tier (RM)
Interest Rate (%)p.a.
All balances 0.05
Interest is calculated daily and paid monthly. Effective Date: 1/12/2020.

Current Account

M2 Account
Balance Tier (RM)
Interest Rate (%)p.a.
All balances 0.05
Interest is calculated daily and paid monthly. Effective Date: 1/12/2020.
SuperSalary Account
Balance Tier (RM)
Interest Rate (%)p.a.
All balances 0.05
Interest is calculated daily and paid monthly. Effective Date: 1/12/2020.

Fixed Deposit

Fixed Deposit, Sustainable Fixed Deposits and Term Deposit-i Board Rates* (Applicable for Retail Individuals and Business Banking clients only)
Tenure
Interest Rate (%) p.a.
1 month 2.40
2 months 2.40
3 months 2.50
4 months 2.50
5 months 2.50
6 months 2.60
7 months 2.60
8 months 2.60
9 months 2.60
10 months 2.60
11 months 2.60
12 months 2.60
12 months and above 2.60
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: 10/11/2022

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 02/02/2023 9:12:24 AM

The below are indicative rates and subject to change.

UNIT
CURRENCY
SELLING TT/OD
BUYINGTT
BUYINGCP
SWIFT CODE
1 U.S. DOLLARS 4.3203 4.1405 4.1381 USD
1 STERLING POUNDS 5.3742 5.1177 5.089 GBP
1 AUSTRALIAN DOLLARS 3.1267 2.9304 2.9121 AUD
1 CANADIAN DOLLARS 3.2651 3.1113 3.0954 CAD
1 NEW ZEALAND DOLLARS 2.8416 2.6786 2.6622 NZD
100 CHINESE RENMINBI 64.499 60.9682 0 CNY
1 EURO 4.821 4.5042 4.4725 EUR
100 BANGLADESH TAKA 4.162 3.827 3.7965 BDT
100 BRUNEI DOLLARS 333.0837 315.5796 314.2706 BND
100 DANISH KRONERS 64.4897 60.933 60.5673 DKK
100 SOUTH AFRICAN RANDS 25.8345 23.922 23.7081 ZAR
100 HONGKONG DOLLARS 55.6055 52.2963 51.8226 HKD
100 INDIAN RUPEES 5.3849 4.9423 4.7051 INR
100 INDONESIAN RUPIAH 0.0295 0.027 0.0267 IDR
100 JAPANESE YEN 3.3904 3.1998 3.1859 JPY
100 NORWEGIAN KRONERS 44.2581 41.4352 41.1647 NOK
100 FILIPINO PESO 8.13 7.5181 7.4447 PHP
100 PAKISTAN RUPEES 1.6455 1.5233 1.5111 PKR
100 SAUDI ARABIAN RIYALS 116.8971 108.7079 107.7363 SAR
100 SINGAPORE DOLLARS 332.2733 316.8175 315.5035 SGD
100 SRI LANKA RUPEES 1.2072 1.1067 1.0531 LKR
100 SWEDISH KRONERS 42.3664 39.7691 39.4941 SEK
100 SWISS FRANCS 481.5443 452.3282 450.023 CHF
100 THAI BAHTS 13.5156 12.392 12.3058 THB

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: Interest is calculated daily and paid monthly

Protected by PIDM up to RM 250,000 for each depositor

Foreign Currency Account

Standardised Base Rate/ Kadar Asas Standard = 2.75%

What is the Standardised Base Rate (“SBR”)?

Apakah Kadar Asas Standard (“KAS”)?

The SBR is the reference rate that all banks will use starting from 1 August 2022 in the pricing of new retail floating-rate loans/financings, refinancing of existing retail loans/financings, and the renewal of revolving retail loans/financings from 1 August 2022. Retail loans/financings refer to loans/financings to individuals (not SMEs or businesses), while ‘floating-rate loans/financings’ refer to loans/financings where the interest/profit/rental rate can change during the lifetime of the loans/financing. The SBR is linked solely to the Overnight Policy Rate (OPR), as determined by the Monetary Policy Committee (MPC) of Bank Negara Malaysia.

KAS ialah kadar rujukan yang akan digunakan oleh semua bank mulai 1 Ogos 2022 dalam penetapan harga pinjaman/ pembiayaan kadar terapung runcit baharu, pembiayaan semula pinjaman/ pembiayaan runcit sedia ada, dan pembaharuan pinjaman/ pembiayaan runcit pusingan mulai 1 Ogos 2022 Pinjaman/pembiayaan runcit merujuk kepada pinjaman/pembiayaan kepada individu (bukan Pembiayaan Komersial untuk Syarikat (“PKS”) atau perniagaan), manakala ‘pinjaman/ pembiayaan kadar terapung’ merujuk kepada pinjaman/ pembiayaan di mana kadar faedah/ keuntungan/ sewaan boleh berubah sepanjang hayat pinjaman/ pembiayaan. KAS dikaitkan semata-mata kepada Kadar Dasar Semalaman (“KDS”), seperti yang ditentukan oleh Jawatankuasa Dasar Monetari (“MPC”) Bank Negara Malaysia.

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

Apakah senario yang mungkin boleh mencetuskan perubahan dalam KAS?

The SBR can rise or fall due to changes in the benchmark rate, i.e. changes in Overnight Policy Rate (“OPR”).

KAS boleh naik atau turun disebabkan oleh perubahan dalam kadar penanda aras, iaitu perubahan dalam Kadar Dasar Semalaman (“KDS”).

Effective date: 10 November 2022
Tarikh kuat kuasa: 10 November 20222

Applicable for new individual financing application.
Terpakai untuk permohonan pembiayaan individu baharu

BEFORE 10 November 2022 / SEBELUM 10 November 2022
FROM 10 November 2022 / DARI 10 November 2022
Reference Rate /  Kadar Rujukan SBR/ KAS = 2.50% SBR/ KAS = 2.75%
Interest Rate / Kadar Bunga SBR/ KAS + 1.75% SBR/ KAS + 1.75%
Effective Lending Rate / Kadar Pinjaman Berkesan 4.25% 4.50%
Monthly instalment / Ansuran Bulanan  (RM) 1,787.48 1,855.17
FOR ILLUSTRATION PURPOSE / UNTUK TUJUAN ILUSTRASI:
Loan Amount / Jumlah Pinjaman: RM350,000 (No Lock-In Period / Tiada Tempoh Berkunci)
Loan Tenure / Tempoh Pinjaman: 30 years/ tahun
Note: Effective Lending Rate may vary if SBR, BR or BLR changes. Nota: Kadar Pinjaman Berkesan mungkin berbeza jika KAS, KA atau KPA berubah.

Historical trend of Reference Rate since January 2015 below for your reference. / Trend sejarah Kadar Rujukan sejak Januari 2015 di bawah untuk rujukan anda.

Historical trend of reference rate
Effective Date/ Tarikh Kuat Kuasa
Jan-15
Mar-16
Jul-16
Feb-18
May-19
Jan-20
Mar-20
May-20
Jul-20
May-22
Jul-22
Aug-22
Sep-22
Nov-22
Standardised Base Rate (SBR) /
Kadar Standard Asas (KSA)
3.25% 3.25% 3.00% 3.25% 3.00% 2.75% 2.50% 2.00% 1.75% 2.00% 2.25% 2.25% 2.50% 2.75%
Base Rate (BR) / Kadar Asas (KA) 3.67% 3.77% 3.52% 3.77% 3.52% 3.27% 3.02% 2.52% 2.27% 2.52% 2.77% 2.77% 3.02% 3.27%
Base Lending Rate (BLR) /
Base Financing Rate (BFR)
Kadar Pinjaman Asas /
Kadar Pembiayaan Asas
6.95% 6.95% 6.70% 6.95% 6.70% 6.45% 6.20% 5.70% 5.45% 5.70% 5.95% 5.95% 6.20% 6.45%
Indicative Effective Lending  (IELR) /
Indicative Financing Rate (IEFR)
Indikatif Pinjaman Berkesan /
Indikatif Kadar Pembiayaan
4.67% 4.77% 4.52% 4.77% 4.65% 4.50% 4.25% 3.75% 3.50% 3.75% 4.00% 4.00% 4.25% 4.50%
Note:

  • The SBR was introduced on 1 August 2022.The dotted line in the graph and the grey numbers in the table shows the historical series of the OPR, which is the benchmark rate of the SBR.
  • Indicative effective rate refers to the indicative annual effective lending/financing rate for a standard 30- year housing loan / home financing product with financing amount of RM350k and has no lock-in period.

Catatan:

  • KAS telah diperkenalkan pada 1 Ogos 2022. Garis putus-putus dalam graf dan nombor kelabu dalam jadual menunjukkan siri sejarah KDS, iaitu kadar penanda aras KSA.
  • Kadar berkesan indikatif merujuk kepada indikatif kadar pinjaman/pembiayaan berkesan tahunan untuk pinjaman perumahan / produk pembiayaan rumah untuk 30 tahun dengan jumlah pembiayaan RM350k dan tidak mempunyai tempoh berkunci.

Base Rate / Kadar Asas = 3.27%

What is the base rate (BR)?

Apakah Kadar Asas (KA)?

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 property financings for individual.

KA yang kami tawarkan pada produk ini terdiri daripada dua bahagian, kos penanda aras dana (“COF”) dan kos Keperluan Rizab Berkanun (“SRR”) yang dikenakan oleh Bank Negara Malaysia. Penanda aras COF kami ialah kos marginal untuk mengumpul dana bagi pembiayaan hartanah untuk individu. 

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

Apakah senario yang mungkin boleh mencetuskan perubahan dalam KA?

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

KA kami boleh naik atau turun disebabkan oleh perubahan dalam penanda aras COF dan perubahan dalam 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.

Perubahan dalam COF penanda aras boleh berlaku disebabkan perubahan dalam Kadar Dasar Semalaman (“KDS”) seperti yang diputuskan oleh Jawatankuasa Dasar Monetari (“MPC”) Bank Negara Malaysia. Di samping itu, sebagai penanda aras COF ialah kos marginal untuk mengumpul dana, ia akan berubah sejajar dengan turun naik dalam keadaan pembiayaan pasaran.

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

Kos SRR akan berubah selaras dengan perubahan dalam kadar SRR seperti yang diputuskan oleh MPC Bank Negara Malaysia.

Effective date: 10 November 2022
Tarikh Kuat Kuasa: 10 November 2022

Base Lending Rate/ Kadar Pinjaman Asas = 6.45% p.a.

Effective date: 10 November 2022
Tarikh Kuat Kuasa: 10 November 2022

Note:

  1. BLR is not applicable for new individual home/commercial financing applications from 2nd January 2015 onwards.
  2. BLR is applicable ONLY for commercial financing for company (“SME”).

Catatan:

  1. KPA tidak boleh digunakan untuk permohonan pembiayaan rumah/komersial individu baharu mulai 2 Januari 2015 dan seterusnya.
  2. KPA hanya terpakai untuk pembiayaan komersial untuk syarikat (“PKS”)

KLIBOR rate = 3.68%

Effective Date : 3 Jan 2023 – 31 Dec 2023

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

*Product not available for account opening effective 2 January 2013

PIDM

* Protected by PIDM up to RM250,000 for each depositor