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- Personal Banking
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- Foreign Currency Deposit Account
- Electronic Foreign Currency Deposit Account (e-FCD)
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- Electronic Foreign Currency Deposit Account (e-FCD)
Foreign Currency Deposit
Electronic Foreign Currency Deposit Account (e-FCD)
Earn up to 4% interest annually* Open now on the SCB EASY App!
ShareSeize the opportunity for favorable interest rates!
Open e-FCD account (Electronic Foreign Currency Deposit), Earn up to 4% annual interest*
on 5 major currencies: USD, GBP, EUR, SGD, and CNY.
Key benefits of e-FCD account (Electronic Foreign Currency Deposit)
Earn up to 4% interest per year*
No fixed deposit or minimum balance required.
Enjoy the best rates, Save instantly
Excahge 5 foreign currencies with exclusive rates.
Convenient and easy - all in one app
Open an account and manage foreign currency transactions anywhere via the SCB EASY App.
How to open the account
Easily open e-FCD Account (Electronic Foreign Currency Deposit) via the SCB EASY App.
1. Select “Banking Services”
2. Select “Open Deposit Account”
3. Select “Open e-FCD Account”
4. Select the currency (or currencies) for your account.
5. Read “Terms and Conditions” and tap “Accept”
6. Enter the “Laser ID Number” and click “Next” to verify your identity
7. Press “Next” to verify your identity using a face scan.
8. Provide “Consent Relating to Sensitive Personal Data”
9. Proceed with a face scan to continue to the next step
10. Tap “Next” to answer “FATCA Questions”
11. Answer “FATCA and CRS Questions”
12. Review your “Taxpayer ID” and tap “Confirm”.
13. Enter your “Country of Birth and City/Province of Birth”, then tap “Confirm”.
14. Read and accept “Terms and Conditions”, then tap “Confirm”.
15. Fill and review “Your Personal Information” and tap confirm
16. Select your “Phone Number” for OTP verification and enter the received OTP.
17. Your e-FCD account opening is successful. Tap “Return” to the Account Home Screen.
18. The e-FCD account will be automatically added to the Account Home Screen.
1. Select “Banking Services”
2. Select “Open Deposit Account”
3. Select “Open e-FCD Account”
4. Select the currency (or currencies) for your account.
5. Read “Terms and Conditions” and tap “Accept”
6. Enter the “Laser ID Number” and click “Next” to verify your identity
7. Press “Next” to verify your identity using a face scan.
8. Provide “Consent Relating to Sensitive Personal Data”
9. Proceed with a face scan to continue to the next step
10. Tap “Next” to answer “FATCA Questions”
11. Answer “FATCA and CRS Questions”
12. Review your “Taxpayer ID” and tap “Confirm”.
13. Enter your “Country of Birth and City/Province of Birth”, then tap “Confirm”.
14. Read and accept “Terms and Conditions”, then tap “Confirm”.
15. Fill and review “Your Personal Information” and tap confirm
16. Select your “Phone Number” for OTP verification and enter the received OTP.
17. Your e-FCD account opening is successful. Tap “Return” to the Account Home Screen.
18. The e-FCD account will be automatically added to the Account Home Screen.
e-FCD Account Details
- Service Type: Electronic Foreign Currency Deposit (e-FCD) Savings Account.
- Accepted Currencies: US Dollar (USD), Pound Sterling (GBP), Euro (EUR), Singapore Dollar (SGD), and Yuan (CNY).
- Special deposit interest rate of up to 4% p.a. for USD deposits is available from November 22, 2024, to February 28, 2025.
- How to Open: Open an account and manage transactions conveniently via the SCB EASY App.
| Currencies | Special Interest Rate (p.a.)* (November 22, 2024 - February 28, 2025) |
|---|---|
| USD | 4.00% |
| GBP | 1.10% |
| EUR | 0.00% |
| CNY | 0.35% |
| SGD | 0.00% |
Know Before You Save! e-FCD accounts are subject to exchange rate risks and may incur varying account maintenance fees depending on the currency.
*Notes:
- *Special deposit interest rate of up to 4% p.a. for USD deposits is available from November 22, 2024, to February 28, 2025. From March 1, 2025, the rate will revert to the standard interest rate of 0.15% p.a.
- GBP, EUR, SGD, and CNY deposit interest rates vary. For more details, please refer to the bank's website.
- An account maintenance fee will apply if the average monthly deposit falls below the specified amount. The details for each currency are as follows:
- US Dollar (USD): A minimum monthly deposit of 250 USD is required. A monthly maintenance fee of 10 USD will be charged if the deposit falls below this amount.
- Pound Sterling (GBP): A minimum monthly deposit of 200 GBP is required. A monthly maintenance fee of 8 GBP will be charged if the deposit falls below this amount.
- Euro (EUR): A minimum monthly deposit of 200 EUR is required. A monthly maintenance fee of 8 EUR will be charged if the deposit falls below this amount.
- Singapore Dollar (SGD): A minimum monthly deposit of 300 SGD is required. A monthly maintenance fee of 10 SGD will be charged if the deposit falls below this amount.
- Yuan (CNY): A minimum monthly deposit of 1,500 CNY is required. A monthly maintenance fee of 70 CNY will be charged if the deposit falls below this amount.
- Deposit interest rates and account maintenance fees for GBP, EUR, SGD, and CNY vary by currency. For more details, please visit the bank's website.
- The bank reserves the right to adjust deposit interest rates and terms as per its announcements.
- Deposits and withdrawals in e-FCD accounts are subject to foreign exchange rate risks. Customers are advised to carefully review the product details and terms before making a decision.
- e-FCD accounts must adhere to the criteria established by the Bank of Thailand.
Product Information
