(EXPIRED) Standard Chartered SG 3-month time deposit up to 1.55% p.a. promo rates from 23 Jan 2026

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Standard Chartered Bank (Singapore) Limited has refreshed its Singapore Dollar (SGD) Time Deposit promotion for customers who want a fixed return on new-to-bank funds 😊

Update 28 Jan: Standard Chartered SG 6-month time deposit promo up to 1.65% p.a. from 28 Jan 2026

From 23 Jan 2026, eligible customers can earn up to 1.55% per annum (p.a.) when placing fresh SGD funds into a 3-month promotional Time Deposit. The promotional rates are higher, but the tenor is shorter from the previous 15 Jan 6-mth rates which is no longer offered.

Promo window: This tranche is stated as running from 23 Jan 2026 to 1 Feb 2026. Rates/eligible tenors may be refreshed from time to time, and the rate applicable is typically the one shown on the bank’s site and/or the confirmation advice at the point of placement.

At a glance: who it’s for

• Customers with at least S$25,000 in Fresh Funds (in SGD)
• Those comfortable locking funds in for 3 months (until maturity)
• Customers under Personal Banking, Priority Banking or Priority Private segments (rates differ by segment)

Promotional interest rates (Fresh Funds in SGD)

To qualify for the promotional rates below, customers need to place at least S$25,000 of Fresh Funds into a 3-month Singapore Dollar Time Deposit.

Important: These promotional rates apply only if the Time Deposit is held until maturity. Early withdrawals may earn reduced or zero interest (depending on the bank’s prevailing policy), so customers should read the terms carefully before placing funds. Standard Chartered Singapore Dollar Time Deposit January 2026 Fresh Funds Promotion Terms and Conditions apply. (PDF)

What counts as “Fresh Funds” for this promo?

For this promotion, Fresh Funds refer to funds that do not originate from any existing account with Standard Chartered Bank (Singapore) Limited, and funds that are not withdrawn and re-deposited within the last 30 days of opening the Time Deposit.

Practical tip: customers planning to move money around should pay extra attention to the “Fresh Funds” definition in the T&Cs (PDF) to avoid placing funds that later fail the promo eligibility checks.

How customers can place the Time Deposit (digital placement)

After transferring Fresh Funds into an eligible Standard Chartered deposit account, customers can place the Time Deposit through the bank’s digital channels.

Via SC Mobile

1. Log in to SC Mobile.
2. Tap Discover (bottom navigation).
3. Select Deposits > Time Deposit.
4. Choose Singapore Dollar Time Deposit.
5. Follow the in-app steps to complete the placement.

Via Online Banking

1. Log in to iBanking and select Apply from the top navigation bar.
2. Complete the required authentication steps.
3. Select the preferred Time Deposit account.
4. Fill in the placement details and submit the application.

For reference, the screenshots below show how the placement journey may appear in the app:

Before placing: quick things to consider

• Liquidity: a time deposit is best for funds customers won’t need during the 3-month tenor. If cashflow is tight, consider keeping an emergency buffer outside the placement.
• Segment eligibility: the headline rate depends on whether the customer is under Personal Banking, Priority Banking or Priority Private – customers should confirm their segment before proceeding.
• Maturity planning: customers may want to note the maturity date (and any roll-over instructions, if offered) so funds don’t sit idle unintentionally.
• Comparison shopping: rates can move quickly across banks, so it helps to compare similar tenors and minimum amounts before locking in.

Where to check the official details

For full information and to start the application, customers can visit the official campaign page. They are also strongly encouraged to read the terms and conditions (PDF) to understand eligibility, interest computation and early withdrawal implications.

For wider comparison, customers may also refer to this Singapore deposit rate comparison guide to see how Standard Chartered’s 3-month offer compares with other banks islandwide.

Standard Chartered Bank (Singapore) Limited reserves the right to amend, suspend or withdraw the promotion at its discretion.

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