Easy and flexible way to grow your savings
9 Foreign Currencies
USD, GBP, AUD, NZD, EUR, CAD, HKD, CHF and CNH
Flexible Tenors
Choose from 1 to 24 months and lock in a fixed interest rate.
Instant Application
Open your Time Deposit (Fixed Deposit) instantly with SC Mobile or Online banking.
*Click here for the latest Foreign Currency Time Deposit Interest Rates (board rates).
USD Time Deposit (Fixed Deposit) Fresh Funds1 Promotion
For a limited time only, enjoy high returns on your USD Time Deposits (Fixed Deposit) when you deposit a minimum fresh funds of USD25,000 from 05 June 2026 to 30 June 2026.
| TENOR | MINIMUM PLACEMENT AMOUNT(FRESH FUNDS IN USD) | PROMOTIONAL INTEREST RATE |
|---|---|---|
| 9 months | US$25,000 | Personal Banking : 3.90% p.a. Priority Banking : 4.00% p.a. Priority Private Banking: 4.20% p.a. |
How to apply online
- SC Mobile
- Online Banking
Transfer fresh funds to your existing FCY Account before applying for a FCY Time Deposit
Don’t have an eligible FCY Account yet?
Apply for a Bonus$aver, Wealth $aver with multi-currency features or USD$aver now.
To view the details of your Time Deposit placement, click on Account Summary after your application has been completed.
Transfer fresh funds to your existing savings / current account before applying online
Don’t have an eligible FCY Account yet?
Apply for a Bonus$aver, Wealth $aver with multi-currency features or USD$aver now.
To view the details of your Time Deposit placement, click on Account Summary after your application has been completed.
Minimum placement requirements for Foreign Currency Time Deposit (Fixed Deposit)
Currency
| Amount
|
|---|---|
| USD | 5,000 |
| GBP | 5,000 |
| AUD | 5,000 |
| CAD | 25,000 |
| EUR | 5,000 |
| HKD | 25,000 |
| NZD | 5,000 |
| CHF | 25,000 |
| CNH (Renminbi Offshore) | 25,000 |
Penalty charges and replacement cost will apply for all premature upliftment. Please refer to Pricing Guide for applicable charges.
Foreign Currency Time Deposits
Yes, you can. However, if you make any withdrawals from the Time Deposit before the maturity date, any interest payable on the Time Deposit will be calculated at our sole discretion. In some circumstances, you may not receive any interest at all on the Time Deposit. Penalty charges and replacement cost will apply for all premature upliftment. Please refer to Pricing Guide for applicable charges.
There will be a Time Deposit advice generated and sent to you upon placement. If you are currently receiving a Consolidated Statement, you may request to link the Time Deposit account to your Consolidated Statement.
If the maturity date for your Time Deposit falls on a non-working day, such as a Sunday or a public holiday, the maturity date will be moved to the next working day and interest will be paid accordingly for the non-working day. Do note that the public holiday calendar will follow the respective country of the Time Deposit currency.
