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PricingGuidesc.com/sg
At Standard Chartered,we’ve made banking evenmore convenient and easy foryou—with a choice of how andwhere you’d like to bank.Our complete banking services include: Network of branches —shared ATM network Mobile banking (SC Mobile) Online banking (sc.com/sg) Phone banking (Dial toll-free 1800 747 7000) SMS banking (Register via Online banking at sc.com/sg) NETS payment islandwide Global access to Cirrus and Maestro NetworksImportant Notes on the Pricing Guide1. Standard Chartered Bank (Singapore) Limited (“Standard Chartered” or the “Bank”)reserves the right to vary, modify, add, delete or otherwise revise any of these terms, atthe Bank’s sole and absolute discretion, with or without prior notice or reason.2. Please read this Pricing Guide in conjunction with the Bank’s Customer Terms, Current/Cheque/Savings Account and Time Deposit Terms, Personal Loan/Personal Line of Credit/Overdraft Terms, Governing Debt Consolidation Facility Terms, Credit Card Terms, and/or such other terms as may be applicable or otherwise amended from time to time in theBank’s sole and absolute discretion.3. For the avoidance of doubt, all the information in this Pricing Guide is subject to the termsof our banking agreement, and all fees and charges are subject to change.4. Unless otherwise stated, the meaning of key words printed like this and other wordsused in our banking agreement is explained in our Customer Terms, product terms and/or such other terms as may be made available to you from time to time.5. For clarification on this Pricing Guide in relation to Credit Cards, you may call our 24-hourClient Contact Centre at 65 6747 7000.
ContentsSingapore Dollar (SGD) Savings, 2Securities Settlement andChequing AccountsForeign Currency (FCY) Savings, 5Securities Settlement andChequing AccountsTime Deposits 8Remittances Telegraphic Transfers (TT) 9 Drafts/Cheques10 Cheque Charges11 Cashier’s Orders (CO)12 GIRO12 Standing Instruction (SI)12Safe Deposit Box13Priority Banking14Credit Cards15Personal Credit / Salary Advance /Personal Line of Credit20CashOne / Credit Card Instalment Loan/ Dash AdvancePersonal Loan / ezyCash / Debt Consolidation Facility22Auto Financing23Mortgage Loans24Other Services25Standard Chartered Bank (Singapore) Limited Reg. No. 201224747C Printed MAR21
Singapore Dollar (SGD) Savings,Securities Settlement andChequing AccountsSavings Accountse aver AccountMin. initial depositMin. average daily balanceFall-below feeEarly account closure fee (within first 6 months)Counter withdrawal feeS 0S 1,000S 5 per monthS 0S 5Unlimited aver AccountMin. initial depositMin. average daily balanceMonthly service chargeFall-below feeEarly account closure fee (within first 6 months)Paper statement feeS 0S 3,000S 0S 5 per monthS 0S 2 MyWay Savings AccountMin. initial depositMin. average daily balanceFall-below feeMonthly service chargeEarly account closure fee (within first 6 months)Debit Card Annual FeePaper statement feeS 0S 50,000S 10 per monthS 0S 0S 0S 2 JumpStart AccountMin. initial depositMin. average daily balanceMonthly service chargeFall-below feeEarly account closure fee (within first 6 months)Debit Card Annual FeePaper statement feeS 0S 0S 0S 0S 0S 0S 2 Basic Bank AccountMin. initial depositMin. average daily balanceMonthly service chargeFall-below feeEarly account closure fee (within first 6 months)Passbook replacement feeS 20*S 0S 2* (regardless of balance)S 0S 30S 30Savings Account (also known as Supersave)Min. initial depositS 2,000Min. average daily balanceS 2,000Monthly service chargeS 5Fall-below feeS 5 per monthEarly account closure fee (within first 6 months) S 30Passbook replacement feeS 30These new and/or increased fees and charges are applicable to Personal Banking customers,effective from 1 January 2021. The Paper statement fee will be applicable on accountsreceiving a paper statement and will be waived for customers below 18 years old and above65 years old. Refer to sc.com/sg/fees-changes for details.*Waived for beneficiaries under of the MSF Public Assistance Scheme/Special Grant Scheme. 2
Savings Accounts for kidse aver Kids! AccountMin. initial depositMin. monthly contributionS 0S 50(GIRO/Standing Instruction)Min. average daily balanceS 0Fall-below feeS 0Early account closure fee (within first 6 months) S 0Junior Savings Account (also known as “HigherEducation Savings Plan”)(For existing accounts only)Min. monthly contributionFall-below feeS 100*S 5 per monthSecurities Settlement AccountMin. initial depositMin. average daily balanceMonthly service chargeUnarranged overdraftEarly account closure fee (within first 6 months)S 0S 0S 0Prime 5%, min S 5S 0Chequing AccountsBonus averMin. initial depositMin. average daily balanceFall-below feeMonthly service chargeUnarranged overdraftEarly account closure fee (within first 6 months)Debit Card Annual FeeCredit Card Annual FeeChequebookS 0S 3,000S 5 per monthS 0Prime 5%, Min. S 5S 30S 20 (including GST)S 214 (including GST)(waived for first 2 years)S 10 per book,including the first book S 2 Paper statement feeXtraSaverMin. initial depositMin. average daily balanceFall-below feeMonthly service chargeUnarranged overdraftEarly account closure fee (within first 6 months)Debit Card Annual FeeChequebookPaper statement feeS 0S 3,000S 5* per monthS 2Prime 5%, Min. S 5S 30S 20 (including GST)S 10 per book,including the first book S 2 *Fall below fee will be charged from second month after account opening, if your accountbalance falls below the minimum average daily balance specified above. These new and/or increased fees and charges are applicable to Personal Banking customers,effective from 1 January 2021. The Paper statement fee will be applicable on accountsreceiving a paper statement and will be waived for customers below 18 years old and above65 years old. Refer to sc.com/sg/fees-changes for details.*Waived for beneficiaries under of the MSF Public Assistance Scheme/Special GrantScheme.3
SuperSalaryMin. initial depositMin. average daily balanceFall-below feeMonthly service chargeNon inward credit feeUnarranged overdraftEarly account closure fee (within first 6 months)Debit Card Annual FeeChequebookPaper statement feeS 0S 0S 0S 0S 5* per monthPrime 5%, Min. S 5S 30S 0S 10 per book,including the first book S 2 *Non inward credit fee will be charged from fourth month after account opening, if less thanS 1,500 is credited into the account each month.Cheque & Save AccountMin. initial depositS 5,000Fall-below feeMonthly service chargeUnarranged overdraftEarly account closure fee (within first 6 months)ChequebookPaper statement fee(Personal and Corporate)S 7.50 per monthS 2Prime 5%, Min. S 5S 30 (Personal)S 50 (Corporate)S 10 per book,including the first book S 2 OneAccount(For existing accounts only)Min. average daily balanceFall-below feeMonthly service chargeUnarranged overdraftChequebookS 3,000S 5 per monthS 2Prime 5%, Min. S 5S 10 per book,including the first book S 2 Paper statement feeChequing AccountsMortgageOne Current AccountMin. initial depositMin. average daily balanceFall-below feeMonthly service chargeUnarranged overdraftChequebookS 0S 0S 0S 0Prime 5%, Min. S 5S 10 per book,including the first book These new and/or increased fees and charges are applicable to Personal Banking customers,effective from 1 January 2021. The Paper statement fee will be applicable on accountsreceiving a paper statement and will be waived for customers below 18 years old and above65 years old. Refer to sc.com/sg/fees-changes for details. NoteA fall-below fee is an administrative fee that we charge when your deposit balance fallsbelow the minimum average daily balance stipulated for the respective accounts.4
Foreign Currency (FCY) Savings,Securities Settlement andChequing AccountsSavings AccountUSD aver AccountMin. initial depositMin. average daily balanceFall-below feeMonthly service chargeUnarranged overdraftEarly account closure fee (within first 6 months)Paper statement feeUS 1US 10,000US 10US 0Prime 5%, Min. S 5US 20US 2 FCY aver AccountMin. initial depositUS 2,000 or its equivalentMin. Average dailybalanceFall-below fee(per month)Paper StatementFee (per month)AUDA 2,000A 5A 2CADC 2,000C 5C 2CHF2,000 francs5 francs2 francesCNH 15,500 40 15EUR 1,000 3 1GBP 1,000 2 1HKDHK 15,000HK 30HK 15JPY 200,000 500 200NZDNZ 2,000NZ 5NZ 2USDUS 2,000US 5US 2Early account closure fee (within first 6 months) US 20Securities Settlement Account(FCY including AUD, CHF, EUR, GBP, HKD, JPY, USD)Min. initial depositMin. average daily balanceMonthly service chargeUnarranged overdraftEarly account closure fee (within first 6 months)S 0S 0S 0Prime 2%, no minS 0 These new and/or increased fees and charges are applicable to Personal Banking customers,effective from 1 January 2021. The Paper statement fee will be applicable on accountsreceiving a paper statement and will be waived for customers below 18 years old and above65 years old. Refer to sc.com/sg/fees-changes for details.5
Chequing AccountsUSD High AccountMin. initial depositMin. average daily balanceFall-below feeMonthly service chargeUnarranged overdraftEarly account closure fee (within first 6 months)Paper statement feeCurrent AccountMin. initial depositUS 1US 0US 0US 0Prime 5%, Min. S 5US 20US 2US 1,000 or its equivalent (Personal)US 5,000 or its equivalent (Corporate)Min. Average dailybalanceFall-below feePaper StatementFee (per month)AUDA 5,000A 30A 2CHF5,000 francs30 francs2 francesEUR 3,000 20 1GBP 2,000 15 1HKDHK 30,000HK 200HK 15NZDNZ 5,000NZ 30NZ 2USDUS 5,000US 30US 2Monthly service chargeUnarranged overdraftEarly account closure fee(within first 6 months)USD ChequebookUS 0Prime 5%, Min. US 5US 20 (Personal)US 30 (Corporate)US 10 per book, including thefirst book These new and/or increased fees and charges are applicable to Personal Banking customers,effective from 1 January 2021. The Paper statement fee will be applicable on accountsreceiving a paper statement and will be waived for customers below 18 years old and above65 years old. Refer to sc.com/sg/fees-changes for details.6
Cheque and Save AccountMin. initial depositMin. averagedaily balanceUS 1,000 or its equivalent(Personal & Corporate)Fall-belowfee (per month)MonthlyservicechargePaperStatementFee (permonth)AUDA 5,000A 10A 2A 2CADC 5,000C 10C 2C 2CHF5,000 francs 10 francs2 francs2 francsEUR 3,000 5 1 1GBP 2,000 5 1 1HKDHK 30,000HK 75HK 15HK 15JPY 500,000 1000 200 200NZDNZ 5,000NZ 10NZ 2NZ 2USDUS 5,000US 10US 2US 2Unarranged overdraftEarly account closure fee(within first 6 months)USD ChequebookPrime 5%, Min. US 5US 20 (Personal)US 30 (Corporate)US 10 per book, including thefirst book These new and/or increased fees and charges are applicable to Personal Banking customers,effective from 1 January 2021. The Paper statement fee will be applicable on accountsreceiving a paper statement and will be waived for customers below 18 years old and above65 years old. Refer to sc.com/sg/fees-changes for details.NoteA fall-below fee is an administrative fee that we charge when your deposit balance fallsbelow the minimum average daily balance stipulated for the respective accounts.7
Time DepositsSingapore Dollar Time DepositMin. initial deposit:—Tenor of 7 days (1 week)—Tenor of 1 month to 60 monthsS 500,000S 5,000Foreign Currency Time DepositMin. initial deposit (according to the currency of the deposit):USDUS 5,000GBP 5,000AUDA 5,000EUR 5,000NZDNZ 5,000CADC 25,000CHF25,000 francsHKDHK 25,000JPY 3,000,000RMB (CNH)CNH 25,000Min. tenor1 weekAny premature upliftment is subject to penalty charges as setout below:Total Penalty Interest Accrued Handling Fee (USD25) Replacement CostReplacement Cost (Current Market Day Rate – Contract Rate) x Remaining Days to MaturityThe Replacement Cost can be zero if the Current Market Rate at the date of the prematureupliftment is less than the Contract Rate.Current Market Rate refers to the current interest rate, which is based on the marketconditions for the applicable currency, at the date of the premature upliftment.Contract Rate refers to the Interest Rate that would have been payable to you if you held theTime Deposit until maturity.NoteStandard Chartered reserves the right to forfeit all or any part of interest awarded at apromotional rate in respect of a Time Deposit if you withdraw the Time Deposit before itmatures.Any renewal of a Time Deposit is at the Bank’s prevailing Time Deposit board rate for thesame tenor.8
RemittancesInward Telegraphic Transfers (ITT)Credit SGD account:—in SGD—in FCYS 10FreeCredit FCY account:—in SGDFree—in FCY to same currency accountS 10 or its equivalent—in FCY to different currency account Freevia MAS ElectronicPayment System (MEPS )FreeOutward Telegraphic Transfers (OTT)Debit SGD accountHandling commission1Online1/16% comm.Min. S 15,Max. S 50Non-Online1/8% comm.Min. S 30,Max. S 100Debit FCY accountOnlineNon-OnlineHandling commission1/16% comm.Min. US 10Max. US 351/8% comm.Min. US 20,Max. US 70Commission1 in lieu1/16% in lieu ofexchange;Min. US 5,Max. US 100plus:plus:1/8% in lieu ofexchange;Min. US 10,Max. US 100via MAS ElectronicPayment System (MEPS )OnlineFree via FAST3Non-OnlineS 20Reimbursement cover2:SGD OTTFCY OTTS 20US 15S 20US 15Overseas Bank chargesS 50As applicable(incl. Time Deposits)1OTT commission is waived for World Partner customers.Reimbursement cover is applicable regardless of destination of transfer. For the avoidance ofdoubt, fees imposed by other banks may be applicable and shall be borne by the remitter.3FAST allows a maximum of S 200,000 per transaction.NoteAdditional S 5 is applicable for AUD transfers.For online transfers, you (as the remitter) may choose from the following:1) all charges (i.e. local bank charges and overseas bank charges) (“Charges”) of the remittanceto be borne by you. The remittance amount and all Charges will therefore be debited from yourStandard Chartered Bank account which you have specified as the source of funds for theTelegraphic Transfer (such account to be referred to as “Account”); or2) all Charges to be borne by the payee as specified by you. Only the remittance amount will bedebited from your Account. All Charges will be deducted from the remittance amount and yourpayee will receive the balance after such deduction.For the above purposes, “local bank charges” includes handling commissions, commissions inlieu, and reimbursement cover, as indicated above. “Overseas bank charges” is as indicatedabove and includes correspondent bank and/or beneficiary bank charges (if any).For Non-online, “Overseas bank charges” (including correspondent bank and/or intermediarybank charges) are applicable (if any)129
RemittancesInward Drafts/ChequesCorrespondent bank drafts drawn on Standard Chartered Bank(Singapore) LimitedCredit to accountFreeSGD bank drafts drawn by an overseas banking affiliate ofStandard Chartered on Standard Chartered Bank (Singapore) LimitedCredit SGD accountFreeFCY drafts/cheques drawn on banks in SingaporeCredit SGD/FCY account:—USDFree—Other currenciesS 10FCY drafts/cheques drawn on overseas banksCredit SGD account1/8% comm.Min. S 25, Max. S 200(incl. of postage)Credit FCY account1/8% comm.Min. US 15, Max. US 120Return cheque feeS 40(incl. of postage)Outward Drafts/ChequesIssuanceDebit SGD account1/8% comm.Min. S 30, Max. S 100Debit FCY account (incl. Time Deposits) 1/8% comm.Min. US 20, Max. US 70plus:1/8% in lieu of exchange,Min. US 10, Max. US 700Cable cost/tracers for draft investigations:—SGD draftS 20 per draft—FCY draftUS 15 per draftAmend/Replace draftSGD draftS 30plus:cable cost (if applicable)FCY draftUS 20plus:cable cost (if applicable)Cancel/Refund draft(based on prevailing buying rate):Credit SGD accountS 20plus:cable cost (if applicable)Credit FCY accountUS 15plus:cable cost (if applicable)NoteFor FCY drafts/cheques drawn on overseas banks and banks not participating in theCheque Truncating System, the following charges are applicable, if any:— 10 days’ overdraft interest— Drawee bank charges— Collection bank chargesAdditional S 5 is applicable for AUD drafts/cheques.10
Cheque ChargesStop payment:—SGD—FCYS 40 per chequeUS 30 per chequeReturned cheque:—SGD—FCYS 40 per chequeUS 30 per chequeCheque image retrieval:—Clearing date within 1 year—Between 1 to 3 years—More than 3 yearsS 20S 30S 50Direct marking of chequesS 100Immediate clearing of in-house cheques over-the-counter:—SGD chequesS 30 per cheque—FCY chequesUS 20 per cheque* World Partner customers enjoy the first cash withdrawal per month, free of charge atStandard Chartered and Cirrus ATMs worldwide if they use their World Partner PlatinumDebit Card. This waiver does not include fees which may be levied by other banks inSingapore or overseas for accessing their ATM networks.** Charges are on a per account per day basis.NoteCharges are waived for Child Development Account and e aver Kids! Account transactions.11
RemittancesCashier’s Orders (CO)(only available in SGD)IssuanceOnlineNon-OnlineDebit from SGD account:—to own nameFreeFirst CO, free.Thereafter,S 5 per CO.(per transaction)—to third party name(s)—replacement/amendmentS 5S 10FreeFreeDebit from FCY account:—to own nameFirst CO, free.Thereafter, US 3 per CO.(per transaction)—to third party name(s)US 3 or its equivalent—replacement/amendmentUS 10Cancel/Refund CO—Credit SGD account—Credit FCY accountS 5US 3FASTIncoming transferFreeOutgoing transferFreeGIROGIRO arrangementFreeGIRO returnS 10 per returnAmendmentS 10 per amendmentStanding Instruction (SI)OnlineNon-OnlineAutomatedFreeS 10 per set up(including due to insufficient funds)AmendmentFreeS 10 peramendmentSI set up for OTTS 50 per set upManual monitoringS 50 per paymentSI return due toinsufficient fundsS 5012
Safe Deposit BoxService ChargesKey Deposit Fee (refundable):Singaporeans and PRForeignersS 150S 200Addition/Change/Revocation of NominationS 10 eachChange of safe deposit boxS 20Break box charges due to lost keyS 210Inventory for estate duty/deceased customersS 30(Key Deposit Fee is non-refundable)Battery Road BranchLocker size in inchesAnnual Licence Fee Rate*4.75” x 3.5” x 20.0”S 1507.5” x 3.5” x 20.0”S 2508.0” x 4.0” x 24.0”S 30010.0” x 5.0” x 24 .0”S 4507.5” x 7.5” x 18.75”S 40016.0” x 8.0” x 24.0”S 70015.0” x 7.5” x 18.75”S 60020.0” x 10.0” x 24.0”S 800* Annual licence fee is subject to prevailing Goods and Services Tax.13
Priority BankingEligibility CriteriaTo enjoy the exclusive Priority Banking membership and allthe benefits and privileges that come with it, you need to:1. maintain a minimum of S 200,000 in deposits and/orinvestments; or2. maintain a minimum of S 1.5 million in housing loans with usFees and ChargesSegment Maintenance FeeMonthly FeeS 50Priority Banking Visa Infinite Credit Card Annual FeesPrincipal CardS 321 (including GST)(Free for first year)Supplementary CardS 160.50 (including GST)per card(Free for first year; up to 5 cards)Visa Infinite Credit Card Annual FeesPrincipal CardS 588.50 (including GST)Supplementary CardFree(Up to 5 cards)Safe Deposit BoxService Charges50% fee waiver on annualrental rate (Refer to page 12for more details)Transactions at Cirrus ATMs (worldwide)Cash withdrawalFree(with your Standard CharteredATM, Debit, Credit card)All such overseas cash withdrawals will also be subject to additional fees imposed bythe other bank, VISA/MasterCard InternationalBalance enquiryFreeOutward Telegraphic Transfers (OTT)Fund Transfers between Standard Chartered Bank (SCB) accounts Fees waived include:—handling commission—commission in lieu—reimbursement cover Overseas bank charges (including correspondent /intermediary bank charges) are applicable (if any)Fund Transfer to a non-SCB account 50% discount on handling commission Commission in lieu, reimbursement cover and overseasbank charges (including correspondent / intermediary bankcharges) are applicable (if any)Refer to Remittances on page 8 for mor
Important Notes on the Pricing Guide 1. Standard Chartered Bank (Singapore) Limited (“Standard Chartered” or the “Bank”) reserves the right to vary, modify, add, delete or otherwise revise any of these terms, at the Bank’s sole and absolute discretion, with or without prior notice or reason.
