Standard Chartered S’pore time deposit promo offers up to 1.2% p.a. from 15 Jan 2026

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Standard Chartered Bank (Singapore) Limited has refreshed its Singapore Dollar Time Deposit promotion

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

From 15 Jan 2026, eligible customers can earn up to 1.2% per annum (p.a.) on fresh Singapore Dollar (SGD) funds placed into this promotional Time Deposit. The promotional rates are lower by 0.05% from the 1 Jan rates.

At a glance: what this promo offers

• Start date: Applies to Singapore Dollar Time Deposits placed with Standard Chartered Bank (Singapore) Limited from 15 Jan 2026.
• Tenor: 6 months (useful for short- to medium-term cash parking).
• Minimum placement: S$25,000 in Fresh Funds (SGD).
• Convenience: Placement can be done via Online Banking or the SC Mobile app (no branch visit needed 🙂).
• Tiered rates: Promotional rates vary by customer segment (Personal Banking / Priority Banking / Priority Private).

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 6-month Singapore Dollar Time Deposit.

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. Customers should review the full terms carefully. 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. It also excludes funds that were withdrawn and re-deposited within the last 30 days before opening the Time Deposit.

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. Customers log in to SC Mobile.
2. They tap Discover (bottom navigation).
3. They select Deposits > Time Deposit.
4. They choose Singapore Dollar Time Deposit.
5. They follow the in-app steps to complete the placement.

Via Online Banking

1. Customers log in to iBanking and select Apply from the top navigation bar.
2. They complete the required authentication steps.
3. They select the preferred Time Deposit account.
4. They fill in the placement details and submit the application.

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

Practical tips before committing to a 6-month lock-in

• Plan liquidity: Since the tenor is 6 months, customers may want to set aside enough cash for bills and emergencies first.
• Avoid breaking early: Because early withdrawal can mean reduced or zero interest, it’s usually best to place funds that can stay untouched until maturity.
• Compare options: Rates move often, so it can help to compare across banks if customers are rate-sensitive.
• Read the fine print: Eligibility, “Fresh Funds” checks, and interest computation details are in the terms and conditions.

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 6-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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