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Online Time Deposit Offers

Earn up to 3.7% p.a.

Choice of 7 currencies to suit you

Open via SC mobile app with 3 Steps

Online Time Deposit

From now until 30 April 2025, you can enjoy the following preferential interest rates by setting up Time Deposit with new funds via SC Mobile App or Online Banking

Online New Fund Time Deposit Offers

Currency
Principal Amount
Tenor
Preferential Interest Rate (p.a.)
HKD HKD10,000 or above 3-month 3.00%
6-month 3.10%
12-month 2.80%
USD USD2,000 or above 3-month 3.50%
6-month 3.70%
12-month 3.30%
RMB CNY10,000 or above 3-month 1.30%
6-month 1.30%
12-month 1.30%
GBP GBP2,000 or above 3-month 3.00%
6-month 3.00%
12-month 2.80%
AUD AUD2,000 or above 3-month 3.00%
6-month 3.00%
12-month 2.80%
CAD CAD2,000 or above 3-month 2.40%
6-month 2.30%
12-month 2.20%
NZD NZD2,000 or above 3-month 2.50%
6-month 2.80%
12-month 3.20%

Remarks

  • The Time Deposit interest rates as shown on the relevant Terms and Conditions, this webpage and relevant promotion materials are quoted with reference to interest rates offered by the Bank on 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 absolute discretion, as per prevailing market conditions.
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  • How to set up Time Deposit via SC Mobile - STEP 2
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  • Screenshot of time deposit opening final step on SC Mobile

How to set up Time Deposit via SC Mobile

Start

Select “Discover”, “Deposits”, “Preferential Time Deposit”, and tap “Apply Now”

Step 1

Select the currency and tenor and input principal amount

Review Rate

You can also view Time Deposit rates by tapping “Rates Overview”

Step 2

Review the Time Deposit rate we are offering

Step 3

Choose the debit account

Step 4:

Review and confirm the details

It’s done!

Open Time Deposit via Online Banking or SC Mobile App

  • We offer 10 currencies for your selection
    (HKD, USD, CNY, AUD, NZD, CAD, GBP, EUR, CHF, JPY)
  • You could choose among the specific tenors from 1 month to 12 months
  • The minimum Time Deposit amounts are as follows:
Currency
Minimum amount
HKD HKD10,000
USD USD2,000
CNY CNY10,000
AUD AUD2,000
NZD NZD2,000
CAD CAD2,000
GBP GBP2,000
EUR EUR2,000
CHF CHF2,000
JPY JPY200,000
  • Enjoy a preferential interest rate based on your deposit amount and tenor.
  • Customers must have declared their tax status and/or jurisdictions of tax residence to open Time Deposit via Online Banking or SC Mobile App.
    (Remark: If you have not declared yet, please visit any of our branches to submit the information.)
  • Servicing hours: 9am – 11pm, Monday to Saturday (excluding Public Holiday)
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Terms and conditions

Risk Disclosure Statement

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).

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