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• Return is calculated daily and deposited monthly.
• Monthly statement listing all banking transactions for your clear overview.
• Serves as the one-stop settlement account for Payroll Service, Direct Debit Authorization and Currency Exchange.
• Enquire account balance or transfer funds Internet Banking anywhere, anytime.

• Manage a variety of foreign currencies conveniently in one consolidated Multi-Currency Savings Account.
• Returns is calculated daily and deposited monthly.
• Monthly statement listing all transaction records for your clear overview.
• Exchange foreign currencies via Internet Banking anywhere, anytime.

• Minimum opening deposit is just US$10,000.
• Choose from deposit tenures of 1 day up to 60 months.
• Automatic renewal service available for your convenience.
• Higher returns will be offered if your deposit is higher than US$500,000.

• Choose from a wide range of foreign currencies and deposit periods.
• Automatic renewal service available for your convenience.

• Return is automatically credited to your designated account on a monthly basis, unlike regular fixed deposits.
• Minimum and maximum deposit amount per transaction of US$50,000 and US$5 million respectively.
• Choose from deposit tenures of 3 months, 6 months and 1 year.
• Automatic renewal service is available for your convenience.

• Minimum deposit amount of only US$500.
• Choose from a wide range of deposit tenures, such as 1 year, 15 months, 18 months, 2 years, 3 years, 4 years and 5 years.
• Deposit by monthly, bi-monthly, quarterly or semi-annually instalments.
• Make a deposit at any branch of our partnering banks, or simply arrange for autopay.

Which is the best payment method to protect the interests of a buyer?

• Based on your instructions, we are pleased to issue L/Cs on your behalf to your beneficiary (i.e. your supplier / seller / exporter). 
• Our dedicated trade services staff will carefully check the relevant documents for you.
• Payment or acceptance is subject to the compliance of terms and conditions stipulated in the L/C and acceptance of any discrepancies.
• The authenticity of the L/C issued by our Bank can be verified through authenticated SWIFT.

As a middleman, how can you profit from trade without disclosing the identity or details of your ultimate buyer and supplier?

• A Back-to-back L/C safeguards your interests as a middleman by refraining from the disclosure of the identity/details of your supplier to your customers and vice versa. 
• You simply provide us with the original L/C (called "master L/C") and we will issue another L/C involving the same lot of goods (called "baby L/C") to the supplier.
• Our trade services professionals will then coordinate the handling of import and export documents so you can focus on your business.

What do you expect from an LC advising service?

• Speed and reliability are what makes our L/C advising stand out, supported by our links with prominent commercial banks in the region and our worldwide correspondent banking coverage. 

What can you do if you are worried about the financial standing or the country/region risk of the LC issuing bank?

• If you are doubtful about the financial standing or the country risk of the LC issuing bank, you may request your buyers to insert the term "Add Confirmation" in the LCs advised by us. In so doing, we may add our confirmation on it and share the same responsibilities and obligations as the LC issuing bank.

As a middleman, how can you settle an LC without credit facilities?

• A Transfer LC is an ideal solution. You can wholly or partially transfer the LC to your suppliers at your request, provided the LC is "transferable". Under such circumstances, the name of the buyer and that of the supplier must be disclosed.
• Fully Transferable LC. The LC is fully transferred to the second beneficiary (supplier) from the first beneficiary (middleman) without any alteration of terms.
• Partially Transferable LC. This L/C enables the first beneficiary (middleman) to substitute the draft and invoice submitted by the secondary beneficiary (supplier) and gain from a spread in the value exchanged. The transfer must be made under the same terms and conditions stated in the original L/C with exclusion of the following: amount, unit price, expiry date, presentation period and shipment date.