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I am an existing Standard Chartered Current/Checking/Savings Account holder

    How would you like to apply?

    I am NOT an existing Standard Chartered Current/Checking/Savings Account holder

    *SingPass holders with a MyInfo profile can use MyInfo to automatically fill up the form. By clicking “Next”, you will be re-directed to the MyInfo portal, which is not owned or controlled by Standard Chartered Bank (Singapore) Limited or any member of the Standard Chartered Group (the “Bank”). The Bank bears no liability or responsibility over your usage of the MyInfo portal.

    *Please note that MyInfo is temporarily unavailable at the stipulated downtimes:

    Mon, Tues, Thurs, Fri, Sat:  5:00AM to 5:30AM. Wed: 2:00AM to 6:00AM. Sun: 2:00AM to 8:30AM

    I am an existing Standard Chartered Current/Checking/Savings Account holder

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      Structured Deposits
      1. Wealth Management

      2. Investment

      3. Structured Deposits

      Structured Deposits

      With a variety of tenors, Structured Deposits are attractive to investors with a low to medium risk appetite

      What is a Structured Deposit?

      It is a combination of a deposit and an investment product, where the return is dependent on the performance of some underlying financial instrument. Typical financial instruments linked to such deposits include market indices, equities, interest rates, fixed-income instruments, foreign exchange or a combination of these.

      Benefits of Structured Deposits

      Potential for higher returns

      Potentially higher returns compared to traditional fixed deposit

      No front-end fees or annual management fees

      Diversification into underlying financial instruments

      Portfolio diversification into respective underlying assets

      Low to medium risk appetite

      At maturity, the Structured Deposits will provide a return of 100% of the initial investment amount to the investor (subject to issuer’s credit risk and financial risks*)

      Differences between Fixed Deposits and Structured Deposits

      FIXED DEPOSITS
      STRUCTURED DEPOSITS
      Minimum investment amount is less, can be as small as $1,000. Minimum investment amount can start from $20,000
      Returns are usually lower. Funds are usually placed in money markets for short period of time. Returns depend on performance of underlying financial instrument.
      Typically a shorter tenor. Varies from 1 month to 3 years. Varies from 2 weeks to 10 years.
      Lower risk as banks are obligated to pay principal in full at maturity. Riskier than traditional deposits because returns depend on performance of the underlying.
      Covered by deposit insurance scheme. Not covered by deposit insurance scheme.

      A structured deposit is an investment product, where the returns is dependent on the performance of underlying financial instruments such as market indices, interest rates, foreign exchange, or a combination of these.

      Investors who:

      – Have a medium to long investment time period

      • Portfolio diversification into respective underlying assets
      • Potentially higher returns compared to traditional fixed deposit
      • At maturity, the Structured Deposits will provide a return of 100% of the initial investment amount to the investor
        (subject to issuer’s credit risk and financial risks*)
      • The tenor should suit your investment time horizon
      • Evaluate best and worst possible outcomes and compare against the return from a term deposit of equivalent tenor and with a bank of the same credit rating
      • Understand the underlying mechanics of the investments
      • The frequency of the coupon payout should suit your cash flow requirements
      • There is a penalty imposed when unwinding Structured Deposits

      Credit Risk

      In the event of the insolvency or failure in any other way of issuer/ counterparty/underlying entity(ies), the investor may not receive the initial

      investment amount.

      Liquidity Risk

      The investment product or its underlying asset may become illiquid, which could prevent an investor from promptly exiting unfavourable positions. Hence the investor could, therefore, potentially incur losses.

      Market Risk

      The value of the investment product maybe subject to fluctuations due to changing political, legal, economic conditions and other reasons.

      Early Termination Risk

      There is a penalty imposed when unwinding the Structured Deposits. The investor will incur a cost that may result in the loss of all or part of the initial investment amount.

      Note : A customer will not be liable for any costs should he/she decide to withdraw his/her investment in the product within seven (7) calendar days from the date that he/she commits to invest in this structured product (“cooling off period”). The cooling off period provides a customer with an opportunity to reconsider his/her investment decision. Should a customer decide to withdraw his/her investment in the product during the cooling off period, the Bank will refund the original investment amount in full to the customer.

      Product Disclaimer & Risks
      The contents on this webpage are for informational purposes only. It does not constitute an offer, recommendation or solicitation of an offer to enter into a transaction or adopt any hedging, trading or investment strategy, nor does it constitute any prediction of likely future movements in rates or prices.

      The contents on this webpage have not been prepared to be suitable for any particular person or class of persons and do not constitute and should not be construed as investment advice nor an investment recommendation. While SCBSL considers the information herein to be reliable at the date it is given, SCBSL does not represent that it is accurate or complete and it should not be relied upon as such. Neither the contents herein nor any copy of it may be sent or taken into the United States or given to any US Person.

      You must seek your own independent advice from a licensed or an exempt financial adviser regarding the appropriateness of investing in this product, before making a commitment to purchase this product. In the event that you choose not to seek your own independent advice from a licensed or an exempt financial adviser, you should carefully consider whether the product is suitable for you. SCBSL has no fiduciary duty towards you, nor does it assume any responsibility to advise on, or make any representation as to the appropriateness, suitability or possible consequences of investing in this product.

      Not a Deposit
      A structured deposit is not a traditional deposit. Unlike traditional deposits, structured deposits have an investment element and returns may vary. There is no assurance that it will provide any return at maturity or that you will receive repayment of the initial investment amount if the Bank defaults on its obligations under the structured deposit or becomes insolvent.

      This product is not an insured deposit for the purposes of the Singapore Deposit Insurance and Policy Owners’ Protection Schemes Act 2012, Chapter 77B.

      Return of principal only at maturity
      Because the Structured Deposit is structured with the objective of returning your initial investment amount only at maturity, repayment of your initial investment amount does not apply if you terminate the Structured Deposit prior to maturity. You may potentially lose the principal sum invested if the investment is not held to maturity. There is no unconditional guarantee of repayment as repayment is subject to the creditworthiness of SCBSL i.e. if SCBSL defaults, you may lose your initial investment amount.
      Prior to maturity, SCBSL may agree to you withdrawing or terminating the Structured Deposit but SCBSL is under no obligation to do so. In calculating a termination price, SCBSL will factor in the costs of terminating hedging and funding arrangements and other costs relating to the Structured Deposit which may result in a termination price that is substantially below the amount of your initial investment amount.

      You are fully responsible for your investment decision, including whether the service is suitable for you.

      This advertisement has not been reviewed by the Monetary Authority of Singapore.