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Fulfil monthly placement requirement to enjoy fee waiver for all your transaction needs

Saadiq JustOne-i

Introducing the Saadiq JustOne-i, for all your transaction and banking needs. Make the Saadiq JustOne-i your preferred account to enjoy great benefits.

Solutions:

Saadiq JustOne Personal-i

Meet all your banking needs with just one account. Place a minimum of RM1,500 in a single transaction (*fresh funds) each month to enjoy the benefits of this account.

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Saadiq JustOne Preferred-i

Meet all your banking needs with just one account. Place a minimum of RM5,000 in a single transaction (*fresh funds) each month to enjoy the benefits of this account.

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Saadiq JustOne Priority-i

Meet all your banking needs with just one account. Place a minimum of RM10,000 monthly in a single transaction (*fresh funds) or maintain an average monthly balance of RM20,000 in your Saadiq JustOne Priority Account-i to enjoy the benefits of this account.

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Terms and Conditions

  1. You must be at least 18 years of age to open a Saadiq JustOne-i.

  2. There are 3 forms of Saadiq JustOne-i:

    2.1Saadiq JustOne Personal-i, which comprises both Saadiq JustOne Personal Account-i and Saadiq JustOne Personal Investment Account-i;

    2.2Saadiq JustOne Preferred-i1 , which comprises both Saadiq JustOne Preferred Account-i and Saadiq JustOne Preferred Investment Account-i; and

    2.3Saadiq JustOne Priority-i, which comprises both Saadiq JustOne Priority Account-i and Saadiq JustOne Priority Investment Account-i.

  3. Saadiq JustOne Personal/Preferred/Priority Account-i and Saadiq JustOne Personal/Preferred/Priority Investment Account-i are based on the concept of Mudharabah or profit sharing. Profit earned under Mudharabah accounts is calculated based on Profit Sharing Ratio (PSR). The PSR and the indicative profit rates can be found on our website sc.com/my and branches. The Saadiq JustOne Personal/Preferred/Priority Account-i and Saadiq JustOne Personal/Preferred/Priority Investment Account-i are not insured by PIDM.

  4. You may open a Saadiq JustOne -i jointly with another individual, subject to a maximum of two joint account holders. In the case of a joint account, you agree that the account is to be operated on an “either one to sign” mandate, and that this mandate cannot be revoked.

  5. Each month, you must place a minimum amount into your Saadiq JustOne Personal/Preferred/Priority Account-i or fulfill the average monthly balance ("AMB") in your Saadiq JustOne Personal/Preferred/Priority Account-i as follows:

    Account Type Minimum Amount AMB
    Saadiq JustOne Personal Account-i RM 1,500 N/A
    Saadiq JustOne Preferred Account-i RM5,000 N/A
    Saadiq JustOne Priority Account-i RM 10,000 RM 20,000
  6. The placement must be in one single transaction. This money must not originate from your own accounts with Standard Chartered Bank Malaysia Berhad or Standard Chartered Saadiq Berhad.

  7. 1Saadiq JustOne Preferred-i is no longer available for new sign up effective 1st February 2015. All references and terms relating to the Saadiq JustOne Preferred-i only applies to customers who have signed up prior to 1st February 2015.

  8. You will be eligible for the following benefits in each month that you satisfy the above placement requirement:

    (a) Saadiq JustOne Personal/Preferred/Priority Account-i:
    Fee waiver on withdrawals via MEPS and HOUSe ATMs and on Interbank GIRO fund transfers via Standard Chartered ATMs in Malaysia.

    (b)Saadiq JustOne Personal/Preferred/Priority Investment Account-i:
    Additional 1% p.a. hibah on balances on top of Profit Sharing Ratio (PSR). Minimum balance of RM1 must be maintained to earn profit. Profit is calculated on simple calculation and accrued daily. Profit earned and the additional 1% p.a. hibah will be credited at the end of each month.

    NOTE:

    • The minimum requirement for you to be eligible for the transaction fee reimbursement and additional hibah on balances in your Saadiq JustOne Personal/Preferred/Priority Investment Account-i in any month is based on the type of Saddiq JustOne -i you hold on the last day of that month.
    • For example, you open a Saadiq JustOne Personal Account-i on 8 January and on 20 January, upgraded your account to a Saadiq JustOne Priority Account-i. The minimum placement amount you need to be eligible for the transaction fee reimbursement and the additional 1% p.a. hibah is RM10,000. Alternatively, you must maintain an average monthly balance of RM20,000 in your Saadiq JustOne Priority Account-i
    • Normal transaction fees will be charged at the time of the transaction and will be reimbursed to your account at the end of each month. No fee reimbursements and additional hibah will be made if you close either your Saadiq JustOne Account-i or Saadiq JustOne Investment Account-i
    • If you do not fulfill the monthly requirement in any month, the normal fees for MEPS and HOUSe ATM withdrawals and Interbank GIRO fund transfers via Standard Chartered ATMs in Malaysia will apply during that month. These fees are set out in our Tariff of Fees andCharges, which is available on our website sc.com/my

  9. AMB is calculated as follows:

    AMB (New Account) =

    Total of day-end balances in the account from account opening date to month end

    Number of days for which the account was open in the month

    AMB (Existing Account) =

    Total of day-end balances in the account every day in that month

    Number of days in that month

    Example: Ms B opens her account on 22 July 2015. The total of day-end balances in her account in July 2015 is RM250,000. Ms B’s account has been open for 10 days in July 2015. The AMB in that account for July 2015 = RM250,000 / 10 days = RM25,000.

    For August 31, the total of day-end balances in that account is RM550,000. There are 31 days in August. The AMB in that account for August 2015 = RM550,000 / 31 days = RM17,741.93.

  10. In addition, Saadiq JustOne Priority-i holders also enjoy the following usual Priority benefits:

    • Fee waiver for cash withdrawal at any Visa/Plus or MasterCard/Cirrus network ATMs worldwide; and
    • Fee waiver for international funds transfer (outward telegraphic transfer) within the Standard Chartered network.
  11. Only the first Debit Card issued is free. Subsequent replacements will be subject to the normal charge as set out in our Tariff of Fees and Charges.

  12. Your eStatements may be downloaded via Online Banking and/or sent to your designated email address at your option. You will not receive physical hard copy statements for the JustOne Account-i. However, you may request for a physical hardcopy of a consolidated statement of all your accounts with us, including the Saadiq JustOne -i.

  13. The Saadiq JustOne-i and all benefits and services under them are further subject to the Saadiq Personal Account Rules and Regulations, which can be found on our website sc.com/my and at our branches. Saadiq JustOne Priority-i accountholders are subject to the Standard Chartered Saadiq Berhad Priority Banking Service and Privileges Terms and Conditions.

IB/CTB//0005/V1/2015

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