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DBS Bank has created a new era of banking services to give you better financial benefits. By consolidating your assets and banking services with DBS, your Total Relationship Balance can be increased easily. With a higher Total Relationship Balance, you can enjoy better time deposit interest rates.
Assets + Borrowings = Total Relationship Balance
The calculation of Total Relationship Balance is comprehensive. It counts every dollar in personal and joint accounts, including deposits, investments, as well as outstanding balances of loans, unsecured overdraft, mortgage loans and credit cards that a customer maintains with us*.
* Cayman Offshore Deposits, all loan balances and outstanding credit card balances in default payment are excluded in the Total Relationship Balance calculation.
The higher the Total Relationship Balance, the better the time deposit rate
As our valued customer, you will be rewarded for your partnership with us. The higher your Total Relationship Balance, the better time deposit rate you can get.
We will take into account your Total Relationship Balance or time deposit amount (whichever is higher) to offer you the best tiered interest rate#. In addition, at the same level of interest rate tier, Treasures Priority Banking customers enjoy higher time deposit interest rate than DBS Wealth Account customers, and DBS Wealth Account customers enjoy a higher time deposit interest rate than non-packaged account customers.
# All Prime-Linked Deposits, Market-Linked Deposits, Structured Investment Deposits, Growth Accounts, Premium Deposits and Cayman Offshore Deposits are excluded.
Total Relationship Balance
(HKD or equivalent amount)/
Time Deposit Amount |
Time Deposit
Interest Rate Indicator |
| $5,000,000 and above |
 |
| $2,000,000 - below $5,000,000 |
| $1,000,000 - below $2,000,000 |
| $500,000 - below $1,000,000 |
| $200,000 - below $500,000 |
| $100,000 - below $200,000 |
| Below $100,000 |
Remarks: The above index is for illustration only. For details of the exact interest rates, please contact our branch staff.
Monthly service fee for non-packaged account
The minimum monthly Total Relationship Balance requirement of a non-packaged account is HK$30,000 or its equivalent. If the Total Relationship Balance falls below this balance, a monthly service fee of HK$50 will be charged. Other savings or current account under the same name of customer will not be charged individually. There are special waivers of this monthly service fee for certain groups of customers. Please refer to the "Remarks" for details.
How to calculate Total Relationship Balance
Example 1: Customer who maintains both personal and joint account with us
We count your individual balances as well as those of your joint account(s) to calculate the Total Relationship Balance. According to the table below, if Mr. Chan opens a new time deposit account with HK$100,000, under normal situation, he would only be entitled to the time deposit interest rate for the amount of HK$100,000 on that day. At DBS, in addition to the balances of his loans and investment, we count the mortgage loan balance in his joint account as well. In this case, his Total Relationship Balance is calculated at HK$2,150,000, he can enjoy a higher time deposit interest rate.
|
Product Owned Balance |
Balance / Outstanding Amount (HKD) |
Individual Relationship (HKD) |
Total Relationship Balance (HKD) |
Mr. Chan |
1. Personal Loan
2. Investment |
$50,000
$100,000 |
$150,000 |
$2,150,000 |
Mrs. Chan |
1. Deposits
2. Credit Card |
$2,000
$500 |
$2,500 |
$2,002,500 |
Mr. and Mrs. Chan |
1. Mortgage Loan |
$2,000,000 |
$2,000,000 |
The higher of the above (i.e. $2,150,000) |
Example 2: Customer who maintains different banking products with us
As shown in the table below, Mr. Wong maintains different kinds of accounts with us. If he opens these accounts with other bank, a service fee will be charged to each individual account for failing to meet the minimum account balance requirement. With Total Relationship Balance, we count every dollar in his deposit accounts as well as his credit card outstanding balance, making a total of HK$31,000. Mr. Wong is not required to pay any monthly service fee.
Accounts under Mr. Wong |
Balance / Outstanding Amount (HKD) |
HKD Savings Account |
$18,000 |
FCY Savings Account |
$3,000 |
New Generation Easy Saver Plan |
$6,000 |
Credit Card |
$4,000 |
Total Relationship Balance |
$31,000 |
Act now to consolidate all your banking services with DBS to enjoy the best financial advantages.
| Remarks: |
| 1. |
The monthly service fee for non-packaged account customers with deposit accounts, including HK Dollar Savings, Multi-Currency Savings or Current Account, will be charged monthly and is based on the customers' average daily Total Relationship Balance as at each month-end. |
| 2. |
For customers with both single and joint accounts, the combined Total Relationship Balance with DBS Bank (Hong Kong) Limited (the "Bank") will be used for determining the time deposit rates and the applicable monthly service fee. In this case, the joint account customers should understand that certain information about ALL the other accounts of each customer will become available. Customers can request to separate the Total Relationship Balance calculation at our branches or contact our Customer Service Hotline on 2290 8888 (press "2" and then "4" after language selection). |
| 3. |
Customers who have opened both a non-packaged account and a packaged account with the Bank will be categorised as a packaged account holder. For those customers who have two or more joint accounts with no single account, each of their joint accounts will need to meet the minimum balance requirement. Otherwise, monthly service fee will be charged to all of the joint accounts. |
| 4. |
The following customers are exempted from the monthly service fee:
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Customers aged 65 or above |
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Customers aged below 18 |
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Existing customers receiving Government Comprehensive Social Security Assistance (only for those who opened an account with the Bank on or before 21 July 2003 and supporting documents are required) |
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Customers receiving Government Disability Allowance (supporting documents are required) |
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Mandatory Provident Fund customers with deposit accounts are entitled to a 3-month waiver |
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All personal loans and unsecured overdraft customers are entitled to waiver until termination of loan account |
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| 5. |
Total Relationship Balance calculation is applicable to Consumer Banking customers only. The Bank reserves the right to make the final decision on all matters concerning this service and the calculation of Total Relationship Balance. |
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