Pricing Guide Effective May2011

8/2/2019 Pricing Guide Effective May2011

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at your fngertips

Pricing Guide

Pricingdetails


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At Standard CharteredBank, weve madebanking even moreconvenient and easy

or youwith a choiceo how and where youdlike to bank.

We believe thatyou come frst

Our complete banking services include:

Network o branches

shared ATM network

Phone Banking (Dial toll-ree 1800 747 7000)

Internet Banking (standardchartered.com.sg)

SMS Ino-On-Demand at 9012 7000

NETS payment islandwide

Global access to Cirrus and Maestro Networks


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Contents

Singapore Dollar (SGD)Savings and Chequing Accounts

Foreign Currency (FCY)Savings and Chequing Accounts

Time Deposit Accounts

Remittances

Telegraphic Transers (TT)

Drats/Cheques

Cheque Charges

Cashiers Orders (CO)

GIRO

Standing Instruction (SI)

Sae Deposit Box

Other Services

Priority Banking

Preerred Banking

Summary o Charges

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or visit standardchartered.com.sg

Call 1800 747 7000


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2

Savings Accounts

e$aver AccountMin. initial deposit S$0Min. average daily balance S$0Fall-below ee S$0Early account closure ee (within frst 6 months) S$0

Basic Bank Account

Min. initial deposit S$201

Min. average daily balance S$0Monthly service charge S$21 (regardless o balance)Fall-below ee S$0Early account closure ee (within frst 6 months) S$30Passbook replacement ee S$30

Savings AccountMin. initial deposit S$2,000Min. average daily balance S$2,000Fall-below ee S$5Early account closure ee (within frst 6 months) S$30Passbook replacement ee S$30

Special Savers Account(For existing accounts only)

Min. average daily balance S$10,0001

Fall-below ee S$20Passbook replacement ee S$30

Savings Accounts or kids

e$aver Kids! AccountMin. initial deposit S$0Min. monthly contribution S$50(GIRO/Standing Instruction)

Min. average daily balance S$0Fall-below ee S$0Early account closure ee (within frst 6 months) S$0

Children Development Account(For applicants with MCYS Letter o Authorisation only)

Min. initial deposit S$0Min. average daily balance S$0

Fall-below ee S$0Early account closure ee (within frst 6 months) S$0

Junior Savings Account(For existing accounts only)

Min. monthly contribution S$1001

Fall-below ee S$5

Singapore Dollar (SGD)Savings and Chequing Accounts


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Chequing Accounts

XtraSaverMin. initial deposit S$0Min. average daily balance S$3000Fall-below ee S$5*Monthly service charge S$0Unarranged overdrat Prime + 5%, Min. S$5Early account closure ee (within frst 6 months) S$30Membership ee S$15 per annumChequebook 1st book ree.

Thereater,S$15 per book

* With eect rom 1 June 2011, all below ee wil l be charged rom second month ateraccount opening, i minimum average daily balance is not met

SuperSalaryMin. initial deposit S$0

Min. average daily balance S$0Fall-below ee S$0Monthly service charge S$0Non inward credit ee S$5^Unarranged overdrat Prime + 5%, Min. S$5Early account closure ee (within frst 6 months) S$30Chequebook Free^ With eect rom 1 June 2011, non inward credit ee will be charged rom ourth month ater

account opening, i there is zero or less than $1500 credit received into the account.

Cheque & Save AccountMin. initial deposit S$5,000

(Personal and Corporate)

Account opened BEFORE 1 Feb 2007 S$3,000Account opened AFTER 1 Feb 2007 S$5,000Fall-below ee S$7.50Monthly service charge S$2 per month

Unarranged overdrat Prime + 5%, Min. S$5Early account closure ee (within frst 6 months) S$30 (Personal)S$50 (Corporate)

Chequebook Free

OneAccount(For existing accounts only)

Min. average daily balance S$8,000Fall-below ee S$7.50

Monthly service charge S$3 per monthUnarranged overdrat Prime + 5%, Min. S$5Chequebook Free

1 Waived or recipients o the MCYS Public Assistance Scheme/Special Grant Scheme.

NoteI the account has a balance o $0 and is inactive or six consecutive months, it will be closedautomatically. The charges are applicable or Personal & SME accounts only.


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Savings Account

FCY$aver AccountMin. initial deposit USD$2,000 equivalent

Min. Average daily balance Fall-below ee

AUD A$2,000 A$5

CAD C$2,000 C$5

CHF 2,000 rancs 5 rancs

EUR 1,000 3

GBP 1,000 2

HKD HK$15,000 HK$30

JPY 200,000 500

NZD NZ$2,000 NZ$5

USD US$2,000 US$5

Early account closure ee(within frst 6 months)

US$20

Chequing Accounts

USD High AccountMin. initial deposit US$1Min. average daily balance US$0

Fall-below ee US$0Monthly service charge US$0Unarranged overdrat Prime + 5%, Min. S$5Early account closure ee (within frst 6 months) US$20

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Foreign Currency (FCY)Savings and Chequing Accounts


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Current AccountMin. initial deposit US$1,000 equivalent (Personal)

US$5,000 equivalent (Corporate)

Min. Average daily balance Fall-below ee2

AUD A$5,000 A$30

CHF 5,000 rancs 30 rancs

EUR 3,000 20

GBP 2,000 15

HKD HK$30,000 HK$200

NZD NZ$5,000 NZ$30

USD US$5,000 US$30

Monthly service charge US$0Unarranged overdrat Prime + 5%, Min. US$5Early account closure ee US$20 (Personal)(within frst 6 months) US$30 (Corporate)Chequebook Free

Cheque and Save AccountMin. initial deposit US$1,000 equivalent (Personal & Corporate)

Min. averagedaily balance

Fall-below ee Monthlyservice charge

AUD A$5,000 A$10 A$2

CHF 5,000 rancs 10 rancs 2 rancs

EUR 3,000 5 1

GBP 2,000 5 1

HKD HK$30,000 HK$75 HK$15

JPY 500,000 1000 200

NZD NZ$5,000 NZ$10 NZ$2

USD US$5,000 US$10 US$2

Unarranged overdrat Prime + 5%, Min. US$5Early account closure ee US$20 (Personal)(within frst 6 months) US$30 (Corporate)

Chequebook Free

5

2 Charges will be imposed once every 6 months.

NoteI the account has a balance o $0 and is inactive or six consecutive months, it will be closedautomatically. The charges are applicable or Personal & SME accounts only. Charges will

be imposed once every 6 months.


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NoteA premature termination o a Time Deposit is subject to our terms and conditions. You mayearn less or no interest i you withdraw your Time Deposit beore it matures. A penalty mayalso be imposed. In addition, the penalty imposed on the early withdrawal o the ForeignCurrency Time Deposit beore maturity may result in you getting lesser than the originalamount deposit with us.

Time Deposit Accounts

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Singapore Dollar Time Deposit

Min. initial deposit:Tenor o 7 days (1 week) S$500,000Tenor o 1 month to 60 months S$5,000

Foreign Currency Time Deposit

Min. initial deposit (according to the currency o the deposit):

USD US$5,000

GBP 5,000

AUD A$5,000

EUR 5,000

NZD NZ$5,000

CAD C$25,000

CHF 25,000 rancs

HKD HK$25,000

JPY 3,000,000

Min. tenor 1 week

Premature Uplit Handling charge US$25


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Remittances

7

Note1. Cover charge is applicable i paid in third country currency.2. Additional S$5 is applicable or AUD transers.

* Special pricing or Priority Banking and Preerred Banking customers. Reer to page 14and 15 or more details.

Inward Telegraphic Transers (ITT)

Credit SGD account:in SGD S$10in FCY Free

Credit FCY account:in SGD Freein FCY to same currency account S$10 equivalent

in FCY to dierent currency account Free

via MEPS: Free

Outward Telegraphic Transers (OTT)*

Debit SGD accountHandling commission 1/8% comm.Min. S$30, Max. S$100

Debit FCY account(incl. Time Deposits)Handling commission 1/8% comm.

Min. US$20, Max. US$70 plus:Commission in lieu 1/8% in lieu o exchange; Min. US$10, Max. US$700

via MEPS S$20

Reimbursement cover:SGD OTT S$20FCY OTT US$15

For World Partner customers:Outward Telegraphic Transer commission is waived.Reimbursement cover is applicable regardless odestination. Fees imposed by other banks are alsoapplicable and will be borne by the remitter.


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Remittances

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NoteFor FCY drats/cheques drawn on overseas banks and banks not participating in theCheque Truncating System, the ollowing charges are applicable, i any: 10 days overdrat interest Drawee bank charges Collection bank chargesAdditional S$5 is applicable or AUD drats/cheques.

Inward Drats/Cheques

Correspondent bank drats drawn on Standard Chartered BankCredit to account Free

SGD bank drats drawn by overseas Standard Chartered Bankon Standard Chartered Bank SingaporeCredit SGD account Free

FCY drats/cheques drawn on banks in Singapore

Credit SGD/FCY account:USD FreeOther currencies S$10

FCY drats/cheques drawn on overseas banksCredit SGD account 1/8% comm.

Min. S$25, Max. S$200(incl. o postage)

Credit FCY account 1/8% comm.Min. US$15, Max. US$120(incl. o postage)

Outward Drats/Cheques

IssuanceDebit SGD account 1/8% comm.

Min. S$30, Max. S$100

Debit FCY account (incl. Time Deposits) 1/8% comm.Min. US$20, Max. US$70plus:1/8% in lieu o exchange,Min. US$10, Max. US$700

Cable cost/tracers or drat investigations:

SGD drat S$20 per dratFCY drat US$15 per drat

Amend/Replace dratSGD drat S$30 plus:

cable cost (i applicable)

FCY drat US$20

plus:cable cost (i applicable)

Cancel/Reund drat(based on prevailing buying rate):

Credit SGD account S$20 plus:


Credit FCY account US$15 plus:



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Cheque Charges

Stop payment:SGD S$40 per chequeFCY US$30 per cheque

Return cheque:SGD S$50 per chequeFCY US$30 per cheque

Cheque image retrieval:Clearing date within 1 year S$20Between 1 to 3 years S$30More than 3 years S$50

Direct marking o cheques S$100

Immediate clearing o in-house cheques over-the-counter:

SGD cheques S$30 per chequeFCY cheques US$20 per cheque

NoteCover charge is applicable i paid in 3rd country currency.

For encashment o Travellers Cheques issued by other banks, the ollowing charges areapplicable, i any: 10 days overdrat interest Drawee bank charges Collection bank charges


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Remittances

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Cashiers Orders (CO)(only available in SGD)

IssuanceDebit rom SGD account:to own name First CO, ree.

Thereater, S$5 per CO.(per transaction)

to third party name(s) S$5Replacement/Amendment S$10

Debit rom FCY account:to own name First CO, ree.

Thereater, US$3 per CO.(per transaction)

to third party name(s) US$3 equivalent

Replacement/Amendment US$10

Cancel/Reund COCredit SGD account S$5Credit FCY account US$3

GIRO

GIRO arrangement Free

GIRO return S$10 per return(including due to insufcient unds)

Amendment S$10 per amendment

Standing Instruction (SI)

Automated S$10 per set up

Manual monitoring S$50 per payment


SI return due to insufcient unds S$50


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Sae Deposit Box

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NoteAnnual rental rate is subject to prevailing Goods and Service Tax.

* Special pricing or Priority Banking and Preerred Banking customers. Reer to page 14and 15 or more details.

Service Charges

Key Deposit Fee (reundable):Singaporeans and PR S$150Foreigners S$200

Addition/Change/ S$10 eachRevocation o Nomination

Change o sae deposit box S$20

Break box charges due to lost key S$210(Key Deposit Fee is non-reundable)

Inventory or estate duty/ S$30deceased customers

Battery Road BranchTo check on availability, call 6530 3145

Box size in inches Annual rental rate*

4.75 x 3.5 x 20.0 S$150

7.5 x 3.5 x 20.0 S$250

8.0 x 4.0 x 24.0 S$300

10.0 x 5.0 x 24 .0 S$450

7.5 x 7.5 x 18.75 S$400

16.0 x 8.0 x 24.0 S$700

15.0 x 7.5 x 18.75 S$600

20.0 x 10.0 x 24.0 S$800


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Other Services

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ATM and Debit Card Charges

ATM card replacement S$5Debit card replacement:For SGD S$5For USD US$5

Debit card overseas transaction ee 2.5% o amount transacted via Mastercard

PIN replacement Free

Purchases at Maestro network outlets Free

Transactions at shared network:Cash withdrawal* FreeBalance enquiry Free

Transactions at Cirrus ATMs (worldwide)*Cash withdrawal 2% o amount withdrawn

Min. S$5, Max. S$60Balance enquiry Free

For World Partner customers:World Partner customers enjoy the frst cash withdrawal permonth, ree o charge at Standard Chartered Bank and CirrusATMs worldwide i they use their World Partner Platinum DebitCard. This waiver does not include ees which may be levied by

other banks in Singapore or overseas or accessing theirATM networks.

Coin and Notes Services**Coin services are only available on Tuesdays and Thursdays, between: 11am1pm at 7 Day Mall Branches 10am12pm at all other branches

Deposit/withdrawal o coinsBetween S$20 and S$100 S$5For every S$100 or part thereo S$10

Changing o notes to coinsPer S$50 or part thereo S$5

Notes depositFirst 300 pieces FreeFor every 100 pieces or part thereo S$2(in all denominations)

Note* Special pricing or Priority Banking customers. Reer to page 14 or more details.** Charges are on a per account per day basis.

Charges are waived or Child Development Account and e$aver Kids! Account transactions.


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Guarantees

Bankers guarantee 1% p.a. or Min. S$100, (whichever is higher)

Loan limit Min. US$20,000 (Equivalent)

Tenor Max. 1 year(including claim period)


Cancellation S$100 per guarantee

Salary Crediting(or companies)

via Payplus S$0.50 per item,Min. S$30

via Manual Crediting S$2 per payee,Min. S$30

MiscellaneousDeposits (in cash):in SGD to any account Free

in FCY to same currency account 1.5% repatriation ee,

Min. US$15 equivalent

Withdrawals (in cash):

in SGD rom any account Free

in FCY rom same currency account 1.5% commission,Min. US$5 equivalent

Request or copies o:Past statements Current to 12 monthsDeposits S$10 eachWithdrawal confrmation/instruction Beyond 12 monthsStatement o interest earned S$50 each

Hold mail (PB/PIB customers only) Annual FeeS$360Certifcate o balance S$20 per request

Audit confrmation:

In SGD S$52 per request

In USD US$30 per request

Letter o reerence S$20 per request

Internet Banking token replacement ee S$20


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Priority Banking

Eligibility Criteria

To enjoy the exclusive Priority Banking membership and allthe benefts and privileges that come with it, you need to:

1. maintain a minimum o S$200,000 in deposits and/or

investments; or

2. take up S$1,000,000 in housing loans with us; or

3. earn a minimum annual income o S$192,000, AND

take up the Priority Banking Visa Infnite Card*.

Fees and Charges

Segment Maintenance Fee*Monthly Fee S$50 (Free or frst year)

Priority Banking Visa Infnite Card Annual FeesPrincipal Card S$300

(Free or frst year)

Supplementary Card S$150 per card(Free or frst year; up to 5 cards)

Sae Deposit Box

Service Charges 50% ee waiver on annualrental rate (Reer to page 11or more details)

Transactions at Cirrus ATMs (worldwide)Cash withdrawal Free

(with your Standard CharteredBank ATM, Debit, Credit card)

Balance enquiry Free

Hold Mail Services**

Annual Fee S$360

Outward Telegraphic Transers (OTT)Fund Transers between Standard Chartered (SCB) accounts***

Fees waived include:handling commissioncommission in lieu

reimbursement cover Overseas bank charges are applicable (i any)

Fund Transer to a non-SCB account

50% discount on handling commission Commission in lieu, reimbursement cover and overseas

bank charges are applicable (i any)

Reer to Remittances on page 7 or more details.

Note* From the second year onwards, the monthly segment maintenance ee will be waived as

long as eligibility criteria 1 or 2 is met.** Hold Mail Service is applicable only to Private Banking customers and Priority Banking

customers with overseas addresses.***Priority Banking customers will receive a ee rebate within approximately 7 working days

rom the date o the transaction. Handling commission and reimbursement cover arewaived or und transers between Standard Chartered Bank accounts only. Fee imposed

by other banks will apply. Charges may apply or transactions o more than US$100,000.


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Preerred Banking

Eligibility Criteria

To enjoy the exclusive Preerred Banking membership and allthe benefts and privileges that come with it, you need to:

1. maintain a minimum o S$50,000 in deposits and/or

investments; or

2. take up S$600,000 in housing loans with us; or

3. earn a minimum annual income o S$72,000, PLUS

take up a Preerred World MasterCard Credit Card

and open Preerred Current Account with us.

Fees and Charges

Segment Maintenance Fee*Monthly Fee S$30 (Free or frst year)

Preerred Current AccountMin. initial deposit S$0Min. average daily balance S$6,000Calendar quarter all-below ee S$10Monthly service charge S$0Unarranged overdrat Prime + 5%, Min. S$5Early account closure ee S$30(within frst 6 months)

Chequebook Free

Preerred World MasterCard Credit Card Annual FeesPrincipal Card S$200

(Free or frst 2 years)

Supplementary Card Free or lie(up to 5 cards)

Preerred Overdrat

Annual Fee Free

Sae Deposit Box

Service Charges 50% ee waiver onannual rental rate (Reer topage 11 or more details)

Transactions at Cirrus ATMs (worldwide)Cash withdrawal 2% o amount withdrawn

(Min. S$5, Max. S$60)

Balance enquiry Free

Outward Telegraphic Transer (OTT) 50% discount on handling commission Commission in lieu, reimbursement cover and overseas

bank charges are applicable (i any)Reer to Remittances on page 7 or more details.

Note* From the second year onwards, the monthly ee will be waived as long as eligibility criteria

1 or 2 is met.


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Summary o Charges

Credit Cards

Lost/stolen card liabilityI you lose your card, please notiy us immediately by calling our hotline1800-788 3133. Please keep this number handy. Your liability may belimited to S$100 i you comply with clause 7.2 o our Credit Card Terms.

Finance charges or purchasesEective Interest Rate: 24.45% per annum (minimum) I payment is notmade in ull by the due date, fnance charges will be calculated on a dailybasis o 0.067% on the outstanding balance rom the statement date.

Interest calculationInterest is calculated rom the date o the transaction to the dateo payment.

Cash advance chargesYour cash advance ee per transaction is 6% on the CashAdvance, subject to a minimum ee o S$15 plus FinanceCharges at 0.077% per day on the amount withdrawn rom thedate o the transaction until the date o ull payment.

Minimum monthly repaymentStandard Chartered Credit Card with no automatic exible payments:S$50 or 3% o the new balance, whichever is greater, plus anyoverdue amounts. Accounts that are over limit: 3% o the new balanceplus the excess over the credit limit, plus any overdue amounts.

Interest ree credit periodFree grace days (interest ree credit period) are applicable

to customers who choose to make ull payment and are notapplicable or partial payment o the minimum amount due.

Late payment chargesTiered late charges i minimum payment is not received by thedue date.

New Balance Amount Late Payment ChargeUp to S$3,000 S$50

S$3,000.01 and above S$60The Eective Interest Rate applicable on your credit card andunds transer account(s) will be adjusted to 28% p.a. i theminimum payment is not received in ull by the next StatementDate on any o your credit card and und transer account(s). Iyou have only missed one payment, it will be reinstated to theprevailing Eective Interest Rate once minimum payment is madein ull. I however your account has been twice or more past due*

on a consecutive basis, the Eective Interest Rate will revert to24.455% once minimum payment iis made in ull.

Note* An account is considered past due i the minimum payment due is not received in ull

beore the next Statement Date.

The adjustment / reinstatement o interest rate will be eectiveon the frst working day ater your next Statement Date onceminimum payment is made in ull.

Overseas transactionsAll transactions eected in a currency other than SingaporeDollars will be converted rom the transacted currency intoSingapore Dollars at a rate selected by VISA/MasterCardInternational. All such overseas transactions will also be subjectto a Bank charge o 2.5% as the Bank may determine in its soleand absolute discretion rom time to time. The exchange rateor such overseas transactions may dier rom the rate on the

transaction date due to market uctuation.


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Important Notes1. Inormation is valid as o 27 May 2011.2. All the inormation is subject to our banking agreement and may be varied at any time

without notice at the sole discretion o the bank.3. Singapore Dollar deposit accounts are eligible or deposit insurance coverage under the

Deposit Insurance Act. Singapore Dollar deposit accounts held by or or an individual ora charity, will be insured up to the l imits specif ed in the Deposit Insurance Act.

4. Eligibility criteria or World Partner: deposit a minimum o S$50,000 or its equivalent; be at least 21 years o age; and a Permanent Resident or Expatr iate.

Returned cheque/rejected GIRO (insufcient unds) S$50Sales drat retrieval- current to 2 months old Free- 3 months to under 1 year old S$10 per copy- 1 year old to 5 years old S$20 per copy- Beyond 5 years old S$50 per copyReplacement card S$20 per cardCredit Reund via Cashiers Order S$10Overlimit Handling Fee S$30

Type o Card Annual Fee

Visa Infnite (Principal) S$300

Visa Infnite (Supp) S$150MasterCard World (Principal) S$200

Visa Signature S$180

Platinum (Principal) S$480

Platinum (Supp) S$280

Prudential Platinum S$180

Gold (Principal) S$150Gold (Supp) S$88

Classic (Principal) S$60

Classic (Supp) S$30

Salary Advance

Annual ee First three years FREE! $80 (not inclusive o GST)

MaximumCredit Limit

Two times monthly salary, up to $100,000*

Minimum monthlyrepayment

3% cutstanding balance or a minimum $50

Over limitcharges

5% p.a. in addition to the prevailing interestrate on the over limit balances

Fees

- Returned cheque ee $50 per cheque- Stop cheque ee: $40 per cheque- GIRO returned ee: $10 per transaction- Payment processing ee: $5 per card- Lost card replacement ee: $5 per card- Chequebook: ree

ATM cashwithdrawal ee

Free at Standard Chatered Bank ATMs andatm5 network

Overseas cashwithdrawal ee

2% o amount withdrawn, subject to aminimum o $5 and maximum o $80

PrevailingInterest Rate

0% or the frst $3,000, 17.9% p.a. or$3,000.01 and above(minimum monthly interest payable is $5)

Interest rate oncredit balances:

0.15% p.a. **


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