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  1. Bank Accounts
  2. Wealth Saver Account

Step up towards 3%p.a. returns with no lock-in period

Priority Private and Priority Banking clients only

No lock-in period

Perpetual monthly bonus reward

How much interest can I earn?

Enter your estimated deposit amount
USD
Select your current average daily relationship balance (HKD)?
Estimated Annual Total Return
USD 8,551
Total Return (p.a.)
Savings Interest Rate (p.a.)
Bonus Rewards (p.a.)
The above interest is for reference only. Account opening is not available on Sundays and Public Holidays. The final interest is subject to Wealth Saver Account balance and total return (p.a.) entitlement.
The above interest is for reference only. Account opening is not available on Sundays and Public Holidays. The final interest is subject to Wealth Saver Account balance and total return (p.a.) entitlement.
You can enjoy both the prevailing Board Rate of Savings Account (“Savings Interest Rate”) and the Bonus Reward on your WSA’s balance, simply by maintaining the required average daily Relationship Balance. On the month of the first WSA you open, you will also be automatically entitled to the Bonus Reward Tier 2 as a Welcome Offer!
AVERAGE DAILY RELATIONSHIP BALANCE (HKD)
BONUS REWARD TIER
HKD TOTAL RETURN
USD TOTAL RETURN
CNY TOTAL RETURN
$2,000,000 to below $8,000,000 Tier 1 2.125%p.a. 2.5%p.a. 1%p.a.
$8,000,000 or above Tier 2 2.625%p.a. 3%p.a. 1.2%p.a.
  • The Bonus Reward is applicable to the first HKD5,000,000/USD1,000,000/CNY5,000,000 of each WSA only (“Capped Amount”). If the WSA balance exceeds the Capped Amount, the remaining amount will be entitled to the Savings Interest Rate only.
  • You can enjoy the Savings Interest Rate only if your average daily Relationship Balance is below HKD2,000,000.  The Total Return is the aggregate return of the Savings Interest Rate and the Bonus Reward, which is quoted based on the Savings Interest Rate as of 23 Dec 2024 (0.25%p.a. for HKD, 0.25%p.a. for USD and 0.1%p.a. for CNY). For the avoidance of doubt, the Savings Interest Rate and the Bonus Reward are for reference only, which may be changed from time to time at the Bank’s sole discretion. Please refer to the Terms and Conditions for the Bonus Reward details.

Wealth Saver Account opening via SC Mobile App

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STEP 1

Download SC Mobile App and click “Open an account”

STEP 2

Complete account application

STEP 3

Select “Discover”, “Deposit Accounts”, “Wealth Saver Account” and click “Apply Now”

STEP 4

Review offer details, choose currency and input deposit amount. Select the account for fund transfer

STEP 5

Confirm Terms and Conditions, review your application and submit

Service hours: 9am – 11pm, Monday to Saturday, except public holidays. Photos are for reference only.
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STEP 1

Select “Discover”, “Deposits”, “Wealth Saver Account” and click “Apply Now”

STEP 2

Review offer details, choose currency and input deposit amount. Select the account for fund transfer

STEP 3

Confirm Terms and Conditions, review your application and submit

Service hours: 9am – 11pm, Monday to Saturday, except public holidays. Photos are for reference only.
Other account opening channels for the “WSA”
  • Visit any of our branches; or
  • Log onto SC Mobile App or Online Banking (Service hours: 9am-11pm, Monday to Saturday, except public holidays)

You may deposit New Funds into the WSA directly from other banks via bank transfer*. For cheque deposits, please visit any of our branches to deposit New Funds to your WSA at the counter.

You may also transfer your New Funds (including investment redemption from settlement account) from your accounts at Standard Chartered Bank# (other than the WSA) using “Transfer Between My Accounts” function in Online Banking or SC Mobile App.

*Please note that the WSA does not support set up as Faster Payment System (FPS) default receiving account.

#Fund transfer from any third party’s accounts at Standard Chartered is not allowed.

Your Relationship Balance includes the aggregate balance of deposits, investments, accumulated premiums of selected insurance, utilised amounts of secured/unsecured overdraft facilities, outstanding balances on credit cards^ and Personal Loans you maintain with the Bank under personal accounts as of the last working day. For the latest Relationship Balance calculation, please refer to “Your Important Statement Information” on the back of your statement for Relationship Balance calculation.

^Our credit cards refer to Standard Chartered Credit Card and Standard Chartered co-branded credit card (including supplementary cards and corporate cards) issued by the Bank. Outstanding balances on supplementary cards will contribute to the Relationship Balance of the principal cardholder only

Please check the average daily Relationship Balance from last month’s statement as a reference, or contact your Relationship Manager for more information

To learn about the Bonus Reward tier that you were entitled to last month, please check the average daily Relationship Balance on your last month’s statement as a reference and refer to the Terms and Conditions on our current average daily Relationship Balance requirements for the corresponding Bonus Reward Tiers. Besides, you will also receive push notifications and emails when the entitled Bonus Reward is credited to your WSA.

The Bonus Reward is offered when you have fulfilled the designated requirement of average daily Relationship Balance of each calendar month. If your WSA has been closed or becomes unclaimed status before the Bonus Reward Amount is credited, you will not be entitled to any Bonus Reward Amount.

Every month end, the bank will refer to your Wealth Saver Account’s end-of-day balance in each calendar day of the month to calculate the applicable Bonus Reward, on a simple interest basis. The credit and debit transaction to/from the account will be reflected in the end-of-day balance, and affect the Bonus Reward Amount calculation for the transaction, with respective to its post day. HKD WSA is calculated on a 365-day or 366-day basis (for leap year) and USD/CNY WSA is calculated on a 360-day basis (or any other basis we choose).

Remarks

  • “Relationship Balance” includes the aggregate balance of deposits, investments, accumulated premiums of selected insurance, utilised amounts of secured/unsecured overdraft facilities, outstanding balances on credit cards^ and Personal Loans you maintain with the Bank under personal accounts as of the last working day. For the latest Relationship Balance calculation, please refer to “Your Important Statement Information” on the back of your statement for Relationship Balance calculation.

^Our credit cards refer to Standard Chartered Credit Card and Standard Chartered co-branded credit card (including supplementary cards and corporate cards) issued by the Bank. Outstanding balances on supplementary cards will contribute to the Relationship Balance of the principal cardholder only.

  • “New Funds” refers to the below funds credited to the Eligible Client’s Standard Chartered accounts within 4 working days (excluding Sunday and Public Holiday) before and until (1) the opening date of the WSA or (2) the day of New Funds transfer into an existing WSA account:
    • monies newly deposited into the Bank from other banks via cash, cheque, cashier’s order, Local Bank Transfer Payment through Real Time Gross Settlement (RTGS, also known as Clearing House Automated Transfer System (CHATs)), Transfer through Faster Payment System (FPS) or Telegraphic Transfer from other banks; or
    • funds converted from any currency held with the Bank; or
    • redemption funds of the following investment or insurance products, including Equity Linked Investment, Debt Securities (Bonds and Structured Notes), Insurance, Securities and Unit Trust.

New Funds exclude any renewal or rollover of existing time deposits, transfer of funds from any account within the Bank, any currency converted from Premium Deposits, Structured Deposits and Currency Switching upon maturity, and the sum of principal amount of all Time Deposit(s) and Marathon Savings Account(s) placed during the counting period.

Terms & Conditions

Risk Disclosure Statement

Risk Disclosure Statement of Foreign Exchange:

  • 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).

Risk Disclosure Statement of Renminbi Deposit Services:

  • Renminbi 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 customer subsequently converts Renminbi to another currency (including Hong Kong dollars); and
  • Renminbi is currently not freely convertible and conversion of Renminbi 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.