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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 2.70
Above 50,000 0.25

Interest is calculated daily and paid 6-monthly. Effective Date: 27/07/2016

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 (Personal Banking)
Balance Tier (RM)
Interest Rate (% p.a.)
All Balances 0.25

Interest is calculated daily and paid monthly. Effective date: 22/11/2016

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 2.70% p.a.
2 months 2.70% p.a.
3 months 2.85% p.a.
4 months 2.85% p.a.
5 months 2.85% p.a.
6 months 2.90% p.a.
7 months 2.90% p.a.
8 months 2.90% p.a.
9 months 2.90% p.a.
10 months 2.90% p.a.
11 months 2.90% p.a.
12 months 3.00% p.a.

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: 27/07/2016

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 18/01/18 08:42:03

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 4.0334 3.8872 3.885 USD
1 STERLING POUNDS 5.5962 5.3639 5.3339 GBP
1 AUSTRALIAN DOLLARS 3.2593 3.0657 3.0466 AUD
1 CANADIAN DOLLARS 3.2526 3.1154 3.0995 CAD
1 NEW ZEALAND DOLLARS 2.9584 2.8009 2.7838 NZD
100 CHINESE RENMINBI 63.1182 59.9526 0 CNY
1 EURO 4.9796 4.6807 4.6477 EUR
100 BANGLADESH TAKA 4.9584 4.6091 4.5725 BDT
100 BRUNEI DOLLARS 306.0567 291.7588 290.5486 BND
100 DANISH KRONERS 66.6033 63.2585 62.8788 DKK
100 SOUTH AFRICAN RANDS 33.4315 31.0314 30.754 ZAR
100 HONGKONG DOLLARS 52.1104 49.2219 48.7761 HKD
100 INDIAN RUPEES 6.5803 5.9056 5.6221 INR
100 INDONESIAN RUPIAH 0.0313 0.0281 0.0278 IDR
100 JAPANESE YEN 3.6714 3.4544 3.4395 JPY
100 NORWEGIAN KRONERS 51.8869 48.7068 48.3889 NOK
100 FILIPINO PESO 8.0934 7.5221 7.4487 PHP
100 PAKISTAN RUPEES 3.7116 3.4495 3.422 PKR
100 SAUDI ARABIAN RIYALS 109.1895 102.1229 101.2101 SAR
100 SINGAPORE DOLLARS 305.1622 292.6665 291.4526 SGD
100 SRI LANKA RUPEES 2.6614 2.489 2.3685 LKR
100 SWEDISH KRONERS 50.7119 47.8237 47.493 SEK
100 SWISS FRANCS 423.0013 398.9992 396.9658 CHF
100 THAI BAHTS 13.3073 11.5326 11.4524 THB
100 U.A.E. DIRHAMS 0 0 0 AED

Base Rate = 3.52%

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: 27 July 2016

Applicable for all new individual loan applications

Before 27 July 2016
From 27 July 2016
Reference Rate BR = 3.77% BR = 3.52%
Interest Rate BR + 1.00% BR + 1.00%
Effective Lending Rate 4.77% 4.52%
Monthly instalment (RM) 1,829.99 1,777.56

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

For illustration purpose:

Loan Amount: RM350,000 (No Lock-In Period)

Loan Tenure: 30 years

Base Lending Rate = 6.70% p.a.

Effective date: 27 july 2016

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

Effective date: 27 july 2016

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

Secured Wealth Lending: Foreign Currency Base Rates

Published rate as at 18/1/2018. The bank reserves the absolute right and discretion to change the rates below.

Currency
Base Rate (% p.a.)
USD 1.750
EUR 0.125
GBP 0.283
NZD 1.483
SGD 0.750
AUD 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 = 3.44%

Effective date: 3 January 2018 – 31 March 2018

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

KLIBOR rate = 3.43%

Terms and Conditions

Member PIDM