Foreign Exchange Time Deposit

New Customer Deposit Offers

Offer 1: USD 1-week time deposit up to 10.00% p.a. for new customers
New DBS Treasures customers who complete foreign exchange from HKD to USD can enjoy up to 10.00% p.a. for setting up a 1-week USD time deposit via a branch. Click here for details.

Offer 2: Join e$aver and earn savings rate up to 6.00% p.a.
Put your matured funds into e$aver and earn up to 6.00%p.a. if you complete designated missions. No registration is required. Click here for details.

Foreign exchange and investment involve risks. Terms and Conditions apply. The interest rates are for reference only. For details, please contact your Relationship Manager.

FXTD Offers

To be eligible for the Online FXTD preferential rate:

✔ Customers are required to exchange designated currencies and set up a 1-week time deposit at the same time to be eligible for this offer

✔ Log in to DBS digibank HK, tap “Save”, then select your preferred currency and saving period under the “Exchange currency & Place a TD in one go” section

Tenor	Currency	Preferential Rate (p.a.) For Online placement¹	Preferential Rate (p.a.) For branch placement²
1-week	USD	10.00%	10.00%³
1-week	RMB	10.00%	10.00%
1-week	AUD	16.00%	18.00%
1-week	NZD	10.00%	18.00%
1-week	CAD	15.00%	18.00%
1-week	GBP	15.00%	18.00%
1-week	EUR		10.00%

Remarks:

The above Preferential Interest Rates are effective from 1 December to 31 December 2025. The Bank reserves the right to amend or revise the Preferential Interest Rates at its sole discretion. The applicable Interest Rates will be confirmed by the Bank to the Customer at the time the relevant time deposit is placed or renewed automatically.
Foreign exchange and investment involve risks. Terms and Conditions apply.

For details of Online FXTD offer, please click here.
For details of Offline FXTD offer, please click here.

Customers are required to exchange designated currencies and set up 1-week time deposit at the same time to be eligible for this offer (i.e. when you choose a source of funds account, pick a debit currency different from deposit currency) via DBS digibank HK or DBS Internet Banking.
A Customer who has conducted any foreign currency exchange transaction from 1 April 2025 to 30 September 2025 are required to use Eligible New Funds for conducting any Eligible FX which involves HKD or USD, in order to be eligible for the Offer. “Eligible New Funds” refers to the incremental balance when comparing the Customer’s Deposit Balance at the time of Time Deposit placement to his/her corresponding Deposit Balance as of 30 calendar days ago. Wealth Management Connect customer who has conducted foreign currency exchange transaction from 1 April 2025 to 30 September 2025 is not eligible for the Promotion.
When place by branch, currency exchange from HKD to USD is not eligible to enjoy the offer, or vice versa.

Place an Online FXTD via DBS digibank HK app Now

Step 1： Tap "Save”, then "Time Deposit"
Step 2： Select your preferred currency and saving period under “Exchange currency & Place a TD in one go” section
Step 3： Select a Source of Funds Account that differs from the currency used for Time Deposit Booking. (e.g. Select from HKD account to place CNY time deposit.)
Step 4： Input Principal Amount and select Maturity Instruction
Step 5： Select a designated receiving account if you choose to receive Principal and/or Interest on date of maturity
Step 6： Tap “Next”, verify details and tap “Place Now”

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Frequently Asked Questions

For more frequently asked questions regarding online time deposit, please click here for details.

The offers are subject to terms and conditions.

Disclaimer:

Risk Disclosure and Important Notice: Foreign exchange and investment involves risk. Customers should note that foreign exchange may incur loss due to the fluctuation of exchange rate. If you choose to convert your HKD or foreign currency to other currencies at an exchange rate that is less favourable than your original exchange rate, you may suffer loss in principal. The information above is not and does not constitute or form part of any offer, recommendation, invitation or solicitation to subscribe to or to enter into any transaction.
RMB currently may not be freely convertible and is subject to exchange controls and restrictions. There is no guarantee that RMB will not depreciate.
Life Insurance Plan is an insurance product and is neither a bank deposit nor a bank saving plan.
For life insurance plans with a savings element, part of the premium pays for the insurance and related costs. The savings element is reflected in the surrender value of your policy and may not be guaranteed. The product is aimed at customers who can pay the premiums for the whole of the premium payment period. As a result, you are advised to save enough money to cover the premiums in the future. You should be prepared to hold the product for the long term to achieve the savings target. However, under certain circumstances the surrender value could still be less than the total premiums you have paid, even though you hold the policy over a long period.
For life insurance plans without a savings element, there is no cash value for the product. The premium pays for the insurance and related costs. The product is aimed at customers who want an insurance product of the nature as described in the product leaflet and can pay the premiums as long as they want the protection. As a result, you are advised to save enough money to cover the premiums in the future.
Credit Risk - Any premiums you paid would become part of Manulife’s assets and so you will be exposed to Manulife’s credit risk. Manulife’s financial strength may affect its ability to meet the ongoing obligations under the insurance policy.
Risk from cashing in (surrender) early (Only applicable for life insurance plans with cash value) - If you cash in the policy, the amount Manulife will pay is the surrender value worked out at the time you cash in the policy, less any amount you owe Manulife. Depending on when you cash in your policy (whether in full or part), this may be considerably less than the total premiums you have paid. You should refer to the proposal for the illustrations of the surrender value Manulife projects. 6. You are reminded to refer to the product leaflet/product guide for details of product risks.
The Bank, being registered with the Insurance Authority as a licensed insurance agency, is appointed as an insurance agency of Manulife for the distribution of life insurance products in the Hong Kong Special Administrative Region.
The Bank distributes the product for Manulife and the product is a product of Manulife but not the Bank.
In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with the customer.
The above content can only be read in Hong Kong Special Administrative Region.
DBS Remit same-day transfers are only applicable on clearing days (“Clearing day” means Mondays to Fridays, except public holidays in Hong Kong) within the respective cut-off times of each destination. Applications can be submitted 24/7 but those outside the cut-off times, non-clearing day or on the day typhoon signal No.8 or above or black rainstorm warning signal is hoisted will be sent on the next clearing day. In most cases, for instructions placed before the cut-off time, the transfer will be performed on the same day. Actual date and/or time of receipt is subject to the cut-off time, public holidays or processing time of correspondent bank/recipient bank.

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