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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 1.00

Interest is calculated daily and paid monthly. Effective date: 21/11/2016

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 19/09/18  8:32:18 AM

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

UNIT
CURRENCY
SELLING TT/OD
BUYINGTT
BUYINGCP
SWIFT CODE
1 U.S. DOLLARS 4.2297 4.071 4.0687 USD
1 STERLING POUNDS 5.5838 5.3427 5.3128 GBP
1 AUSTRALIAN DOLLARS 3.0905 2.914 2.8959 AUD
1 CANADIAN DOLLARS 3.2702 3.1286 3.1126 CAD
1 NEW ZEALAND DOLLARS 2.8074 2.6579 2.6417 NZD
100 CHINESE RENMINBI 62.0463 58.8982 0 CNY
1 EURO 4.995 4.6954 4.6623 EUR
100 BANGLADESH TAKA 5.1394 4.7713 4.7334 BDT
100 BRUNEI DOLLARS 310.2157 295.5281 294.3022 BND
100 DANISH KRONERS 66.6941 63.2737 62.8939 DKK
100 SOUTH AFRICAN RANDS 28.9375 26.8778 26.6375 ZAR
100 HONGKONG DOLLARS 54.406 51.3899 50.9244 HKD
100 INDIAN RUPEES 5.9577 5.4617 5.1996 INR
100 INDONESIAN RUPIAH 0.0292 0.0267 0.0264 IDR
100 JAPANESE YEN 3.8073 3.5939 3.5784 JPY
100 NORWEGIAN KRONERS 52.4575 49.3547 49.0325 NOK
100 FILIPINO PESO 7.9723 7.3961 7.3239 PHP
100 PAKISTAN RUPEES 3.4977 3.2197 3.1941 PKR
100 SAUDI ARABIAN RIYALS 114.5089 106.9458 105.9899 SAR
100 SINGAPORE DOLLARS 309.5674 296.6336 295.4033 SGD
100 SRI LANKA RUPEES 2.5918 2.4182 2.3012 LKR
100 SWEDISH KRONERS 47.9825 45.2463 44.9334 SEK
100 SWISS FRANCS 443.1791 418.2836 416.1519 CHF
100 THAI BAHTS 13.364 12.1507 12.0662 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 18/09/2018. The bank reserves the absolute right and discretion to change the rates below.

CURRENCY
BASE RATE (% P.A.)
USD 2.350
EUR 0.125
GBP 0.726
NZD 1.760
SGD 1.537
AUD 1.792
HKD 1.375

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 July 2018 – 30 September 2018.

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

KLIBOR rate = 3.43%

Terms and Conditions

Member PIDM