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e-FCD account (Electronic Foreign Currency Deposit)
is available in 5 major currencies: USD, GBP, EUR, SGD, and CNY.


Key benefits of e-FCD account (Electronic Foreign Currency Deposit)

Open an account with 
no minimum deposit.

Enjoy the freedom of no fixed deposit requirements.

Enjoy the best rates, 
save instantly.

Excahge 5 foreign currencies with exclusive rates.

Convenient & easy-all 
in one app.

Open an account and manage foreign currency transactions anywhere via the SCB EASY App.

Maximize investments, 
seize more profits.

Invest in global mutual funds and trade, save, or purchase gold with Hua Seng Heng.


How to open the account

Easily open e-FCD Account (Electronic Foreign Currency Deposit) via the SCB EASY App.

 

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).
  • How to Open: Open an account and manage transactions conveniently via the SCB EASY App.
  • Special offer! waiver of the e-FCD account maintenance fees from February 28 to December 31, 2025
     
 Currencies  Interest Rate (p.a.)* 
USD0.15%
GBP0.20%
EUR0.00%
CNY0.35%
SGD0.00%

Know Before You Save! e-FCD accounts are subject to foreign exchange rate risk.

*Notes:

  • Special offer: A waiver of the e-FCD account maintenance fees from February 28 to December 31, 2025.
  • Starting January 1, 2026, e-FCD account maintenance fees will be charged to each currency as follows:
    • USD: Minimum deposit of USD 250 per month is required. If the minimum deposit is lower than the specified amount, there will be a maintenance fee of USD 10 per month.
    • GBP: Minimum deposit of GBP 200 per month is required. If the minimum deposit is lower than the specified amount, there will be a maintenance fee of GBP 8 per month.
    • EUR: Minimum deposit of EUR 200 per month is required. If the minimum deposit is lower than the specified amount, there will be a maintenance fee of EUR 8 per month.
    • SGD: Minimum deposit of SGD 300 per month is required. If the minimum deposit is lower than the specified amount, there will be a maintenance fee of SGD 10 per month.
    • CNY: Minimum deposit of CNY 1,500 per month is required. If the minimum deposit is lower than the specified amount, there will be a maintenance fee of CNY 70 per month.
  • 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.

 

 

Interest Rates, Exchange Rates, and Fees

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