What is the minimum amount needed to open a high-interest Foreign Exchange Time Deposit?

To open a high-interest Foreign Exchange Time Deposit, the minimum deposit in HKD or RMB is HKD10,000, while designated foreign currencies require the equivalent of HKD2,000.

What is the minimum term for a high-interest Foreign Exchange Time Deposit?

There are two term options for Foreign Exchange Time Deposits: 7 days and 14 days. Clients are required to choose at least a 7-day deposit term to earn high yield on their Foreign Exchange Time Deposit.

Can Time Deposits be withdrawn at any time?

In theory, you can withdraw your deposits as and when needed, but it is not recommended as fees or penalties may incur affecting your yield.

What is the difference between Standard Chartered’s Foreign Exchange Time Deposit and Online Time Deposit?

Foreign Exchange Time Deposits have shorter deposit terms with only 7-day and 14-day options and higher interest rates. They are suitable for clients who are about to exchange currencies but still have a 7 to 14-day period to accrue interest. As for Online Time Deposits , the deposit term is longer, divided into 3, 6 and 12 months. Interest rates are relatively lower, but they provide the option to lock in your preferred interest rates for the long term. You can choose a deposit plan according to your personal and financial needs.

If I don’t withdraw funds after the Time Deposit term, what can I do to continue enjoying the high interest rate?

When your deposit matures, your funds will not be considered as new funds. To continue enjoying the high interest rates, you can invest the yield amount in another currency as a Time Deposit.

High-Yield Foreign Exchange Time Deposit

Set up a Time Deposit instantly and exchange foreign currency with interest rates of up to

13.8% p.a.

Flexible tenors of
7 days or 14 days

Open via SC mobile app
with 3 steps

Set Up Now Set Up Now

Apply via SC Mobile App

For new and existing clients

Other Application Methods
For Existing clients
Apply via Online Banking

Apply via SC Mobile App

For new and existing clients

Other Application Methods
For Existing clients
Apply via Online Banking
How to setup How to setup

Foreign Exchange Time Deposit Calculator

Find out how much interest you can earn

Applying From

Online

Other Channels

Customer Type

Priority Private or Platinum FX membership clients

Others

Buy designated currency

Amount of deposit

HKD

Tenor

7 days

14 days

Maturity Details

Preferential Interest Rate

% p.a

Estimated Interest earned

Estimated Principal and Interest

Apply Now Apply Now

Note: The above interest is for reference only. The final interest will be calculated based on the account sign up date. For FXTD in HKD/GBP, the interest will be calculated in simple interest and on a 365-day or 366-day basis (for leap year). For FXTD in other currencies, the interest will be calculated in simple interest and on a 360-day basis. Account opening is not available on Sundays and Public Holidays.

Enjoy high yield from your deposits while trading foreign currency to fund your travels, education and more

Trade foreign currency to fund travels

Prepare a fund for overseas study, immigration, or residency

Earn high yield by using deposits to invest

Trade foreign currency to fund travels

Trade foreign currency to fund travels

Want to trade foreign currency in preparation for your travels? You don’t have to go to a money changer! Exchanging currencies through Standard Chartered is not only convenient, but also a way to use short-term deposits to earn high interest and subsidise travel expenses! Frequent travellers can also take advantage of the low currency value to exchange foreign currency and open a Time Deposit to prepare for future travels.

Exchange foreign currency at preferential rates quickly before departure, with flexible fixed deposits for 7 or 14 days and earn interest to subsidise travel expenses
Up to 7 currency options^# available, covering different travel destinations. Have it all done through SC Mobile, and exchange foreign currency anytime, anywhere.
With a Multi-Currency Mastercard Debit Card, you can withdraw foreign currency at designated overseas locations or even pay directly with the card in foreign currency, free of fees and exchange rate losses.

^#Up to 7 foreign currencies to choose from: HKD, USD, RMB, AUD, NZD, CAD, and GBP.

Prepare a fund for overseas study, immigration, or residency

Looking to immigrate or study overseas, and in need of converting currency? Standard Chartered provides direct access for your multi-currency needs. You can also set up a 7- or 14-day Foreign Exchange Time Deposit to earn high interest returns to help cover your expenses. With remittance destinations across the globe, you can enjoy the high-yield advantages of Foreign Exchange Time Deposit with up to 13.8% p.a., while idle funds can be placed in 7-day or 14-day deposits to accumulate reserves.
7 foreign currencies to choose from^#, with more than 200 remittance destinations, to cater for the needs of Hong Kongers everywhere.
Same-day delivery to 30+ regions, including popular study destinations such as the UK, Australia, Canada and New Zealand.

^#Up to 7 foreign currencies to choose from: HKD, USD, RMB, AUD, NZD, CAD, and GBP.

Earn high yield by using deposits to invest

Earn high yield by using your spare money to deposit as investment

Take advantage of idle funds in foreign currency and deposit them to lock in preferred interest rates for continuous earning. Short-term Foreign Exchange Time Deposits are extremely low risk and are subject to subtle changes in the macro environment, easily increasing your reserves. High-yield Foreign Exchange Time Deposits can accrue up to 13.8% p.a., letting your funds earn more.
Set up price alerts on SC Mobile, and get notified when target exchange rate is reached, and automatically redeem funds at a price threshold to easily track and lock in your preferred rate.
Flexible deposit terms of 7 days or 14 days, respectively, keep funds liquid and help you seize different investment opportunities.

Preferential interest of up to 13.8% p.a.

	Set up by Priority Private or Priority Banking clients / Platinum Forex Members		Others
	7-day APR	14-day APR	7-day APR	14-day APR
HKD	8%	5.5%	7.5%	5.4%
USD	8%	5.5%	7.5%	5.4%
RMB	8%	5.5%	7.5%	5.4%
AUD	13%	7%	12%	6.8%
NZD	13.8%	7%	12.5%	6.8%
CAD	13%	7%	12%	6.8%
GBP	13%	7%	12%	6.8%

How to set up Foreign Exchange Time Deposit via SC Mobile App

Step 1

Select “Discover”, “Deposits”, “Foreign Exchange Time Deposit” and click “Apply Now” in SC Mobile App

Step 2

Review offer details, choose and exchange the designated currency

Step 3

After the exchange, input the deposit amount and select the tenor, then acknowledge the terms and conditions. Review and submit your application

Service hours: 9am-11pm, Monday to Saturday, except public holidays
* Photos are for reference only.

Existing SC Mobile App clients can apply through the QR code to logon and enjoy preferential interest rate. New users can download the App through App Store / Google Play:

Foreign Exchange Time Deposit SC Mobile App QR code

App Store is a service mark of Apple Inc. Google play is a trademark of Google Inc.

or click here to apply via Online Banking

Other Account Opening Channels

Log in Online Banking (Service hours: 9am-11pm, Monday to Saturday, except public holidays); or
Visit any of our branches; or
Via phone instruction; or
Access My RM platform (For existing Priority Private or Priority Banking clients only)

EXCHANGE FX EXCHANGE FX
How to start trading

Log onto Foreign Exchange Platform now
Via Online Banking

Exchange Now Exchange Now
Via SC Mobile

App Store is a service mark of Apple Inc. Google play is a trademark of Google Inc.

Not having an Integrated Deposit Account?

Apply Now Apply Now

How do you want to apply for Integrated Deposits Account?

*Only applicable to new Standard Chartered banking customers who do not hold any current or savings account with us. For existing customers, please login to Online Banking or visit the branch for account opening.

Download SC Mobile, save a trip to the branch

App Store is a service mark of Apple Inc. Google play is a trademark of Google Inc.

Click here to learn more about Mobile Account Opening.

Not applicable to:

Cheque book service, products/services/applications that require handwritten signature are not applicable to account opened via SC Mobile App.
How to start trading

Log onto Foreign Exchange Platform now
Via Online Banking

Exchange Now Exchange Now
Via SC Mobile

App Store is a service mark of Apple Inc. Google play is a trademark of Google Inc.

Not having an Integrated Deposit Account?

Apply Now Apply Now

How do you want to apply for Integrated Deposits Account?

*Only applicable to new Standard Chartered banking customers who do not hold any current or savings account with us. For existing customers, please login to Online Banking or visit the branch for account opening.

Download SC Mobile, save a trip to the branch

App Store is a service mark of Apple Inc. Google play is a trademark of Google Inc.

Click here to learn more about Mobile Account Opening.

Not applicable to:

Cheque book service, products/services/applications that require handwritten signature are not applicable to account opened via SC Mobile App.
EXCHANGE & SET UP FXTD EXCHANGE & SET UP FXTD

Apply via SC Mobile App

For new and existing clients

Other Application Methods
For Existing clients
Apply via Online Banking

Apply via SC Mobile App

For new and existing clients

Other Application Methods
For Existing clients
Apply via Online Banking

For Eligible FX Transactions conducted via SC Mobile App or Standard Chartered Online Banking, both the Eligible FX Transactions and the FXTD must be placed under “Foreign Exchange Time Deposit Account” via “Time Deposits” menu in SC Mobile App or “Open a Time Deposit” menu in Standard Chartered Online Banking in order to enjoy this Offer.
The required minimum opening balance of the FXTD via SC Mobile App / Online Banking is HKD/RMB10,000 or 2,000 in original currency.
The required minimum opening balance of the FXTD via branch / “My RM” platform is HKD100,000 or equivalent in other designated currency.
The FXTD interest rates as shown above and on the relevant promotion materials are quoted with reference to interest rates offered by the Bank as of 1 April 2025 and are not guaranteed. The Bank reserves the right to make any adjustment to the time deposit interest rate of the Offer from time to time at its sole and absolute discretion, as per prevailing market conditions. You may approach our branch staff / visit SC Mobile App or Standard Chartered Online Banking to enquire about the interest rate applied on the FXTD for this Offer.

Terms and Conditions of Foreign Exchange Time Deposit Offer

Risk Disclosure Statements for RMB Deposit Services

Renminbi (“RMB“) exchange rate, like any other currency, is affected by a wide range of factors and is subject to fluctuations. Such fluctuations may result in gains and losses in the event that the client subsequently converts RMB to another currency (including Hong Kong dollars); and
RMB is currently not freely convertible and conversion of RMB through banks in Hong Kong is subject to restrictions specified by the Bank and regulatory requirements applicable from time to time. The actual conversion arrangement will depend on the restrictions prevailing at the relevant time.

Foreign Exchange Risk Disclosure Statement

Foreign Exchange involves risks. Fluctuation in the exchange rate of a foreign currency may result in gains or significant losses in the event that the client converts deposit from the foreign currency to another currency (including Hong Kong Dollar).

What is the minimum amount needed to open a high-interest Foreign Exchange Time Deposit?

To open a high-interest Foreign Exchange Time Deposit, the minimum deposit in HKD or RMB is HKD10,000, while designated foreign currencies require the equivalent of HKD2,000.
What is the minimum term for a high-interest Foreign Exchange Time Deposit?

There are two term options for Foreign Exchange Time Deposits: 7 days and 14 days. Clients are required to choose at least a 7-day deposit term to earn high yield on their Foreign Exchange Time Deposit.
Can Time Deposits be withdrawn at any time?

In theory, you can withdraw your deposits as and when needed, but it is not recommended as fees or penalties may incur affecting your yield.
What is the difference between Standard Chartered’s Foreign Exchange Time Deposit and Online Time Deposit?

Foreign Exchange Time Deposits have shorter deposit terms with only 7-day and 14-day options and higher interest rates. They are suitable for clients who are about to exchange currencies but still have a 7 to 14-day period to accrue interest.

As for Online Time Deposits, the deposit term is longer, divided into 3, 6 and 12 months. Interest rates are relatively lower, but they provide the option to lock in your preferred interest rates for the long term.

You can choose a deposit plan according to your personal and financial needs.
If I don’t withdraw funds after the Time Deposit term, what can I do to continue enjoying the high interest rate?

When your deposit matures, your funds will not be considered as new funds. To continue enjoying the high interest rates, you can invest the yield amount in another currency as a Time Deposit.

Enjoy up to 13.8% p.a Enjoy up to 13.8% p.a

Set Up Now Set Up Now

Apply via SC Mobile App

For new and existing clients

Other Application Methods
For Existing clients
Apply via Online Banking

Apply via SC Mobile App

For new and existing clients

Other Application Methods
For Existing clients
Apply via Online Banking

High-Yield Foreign Exchange Time Deposit

Foreign Exchange Time Deposit Calculator

Enjoy high yield from your deposits while trading foreign currency to fund your travels, education and more

Trade foreign currency to fund travels

Prepare a fund for overseas study, immigration, or residency

Earn high yield by using deposits to invest

Trade foreign currency to fund travels

Trade foreign currency to fund travels

Prepare a fund for overseas study, immigration, or residency

Prepare a fund for overseas study, immigration, or residency

Earn high yield by using deposits to invest

Earn high yield by using your spare money to deposit as investment

7-day and 14-day (p.a.) on Foreign Exchange Time Deposit

Step 1

Step 2

Step 3

How do you want to apply for Integrated Deposits Account?

Download SC Mobile, save a trip to the branch

How do you want to apply for Integrated Deposits Account?

Download SC Mobile, save a trip to the branch

Remarks

Terms and conditions

Risk Disclosure Statement

Foreign Exchange Time Deposit FAQs

High-Yield Foreign Exchange Time Deposit

Apply via SC Mobile App

Apply via SC Mobile App

Foreign Exchange Time Deposit Calculator

Enjoy high yield from your deposits while trading foreign currency to fund your travels, education and more

Trade foreign currency to fund travels

Prepare a fund for overseas study, immigration, or residency

Earn high yield by using deposits to invest

Trade foreign currency to fund travels

Trade foreign currency to fund travels

Prepare a fund for overseas study, immigration, or residency

Prepare a fund for overseas study, immigration, or residency

Earn high yield by using deposits to invest

Earn high yield by using your spare money to deposit as investment

7-day and 14-day (p.a.) on Foreign Exchange Time Deposit

Step 1

Step 2

Step 3

SC Foreign Exchange Service – Trade 11 major currencies anytime, anywhere

How to start trading

Via Online Banking

Via SC Mobile

How do you want to apply for Integrated Deposits Account?

Download SC Mobile, save a trip to the branch

How to start trading

Via Online Banking

Via SC Mobile

How do you want to apply for Integrated Deposits Account?

Download SC Mobile, save a trip to the branch

Apply via SC Mobile App

Apply via SC Mobile App

Remarks

Terms and conditions

Risk Disclosure Statement

Foreign Exchange Time Deposit FAQs

Apply via SC Mobile App

Apply via SC Mobile App