Save smart. Save USD. Earn high interest.
e-FCD Account (Electronic Foreign Currency Deposit Account)
Save funds in USD and earn special interest rate of up to 5% per year*.
Deposit in 7 major currencies: USD, GBP, EUR, SGD, CNY, JPY and HKD.
Key Benefits of e-FCD Account
Earn a special interest rate of up to 5% per year*.
Special! No account maintenance fee.** Open an account with no minimum deposit and no fixed deposit required.
Best rates, save instantly.
Exchange the rate you want at the perfect time, with 7 major foreign currencies.
Convenient, simple and accessible anywhere,
all in one App.
Open an account and buy, sell or exchange foreign currency via SCB EASY App.
Maximize investments,
seize more profits.
Invest in global mutual funds and trade gold with leading gold merchants via the SCB Gold Marketplace service on the SCB EASY App.
Spend in foreign currencies
with SCB PLANET Card.
Transfer funds from your e-FCD account into SCB PLANET Card and ready to spend worldwide.
How to open the e-FCD Account
Easily open the Electronic Foreign Currency Deposit Account via the SCB EASY App.
Details of e-FCD Account
- Service Type: Electronic Foreign Currency Deposit (e-FCD) Savings Account.
- Earn a special interest rate of up to 5% per year* only for USD currency deposits made between 1 August 2026 to 31 December 2026.
- Accepted Currencies: US Dollar (USD), Pound Sterling (GBP), Euro (EUR), Singapore Dollar (SGD), Yuan (CNY), Japanese Yen (JPY) and Hong Kong Dollar (HKD).
- How to Open: Open an account and manage transactions conveniently via the SCB EASY App.
- Account maintenance fees will be waived for e-FCD accounts as follows:
- e-FCD accounts in USD, GBP, EUR, SGD, and CNY: Effective February 28, 2025, until further notice.
- e-FCD accounts in JPY and HKD: Effective October 17, 2025, until further notice.
| CURRENCIES | DEPOSIT AMOUNT | Special Interest Rate* (1 August 2026 - 31 December 2026) |
|---|---|---|
| USD | Up to USD 25,000 | 0.05% |
| Over USD 25,000 - USD 100,000 | 5.00% | |
| Over USD 100,000 | 0.50% | |
| GBP | No limit | 0.20% |
| EUR | 0.00% | |
| CNY | 0.35% | |
| SGD | 0.00% | |
| JPY | 0.00% | |
| HKD | 0.00% |
Know Before You Save! e-FCD accounts are subject to foreign exchange rate risk.
Notes:
- *Special interest rate of up to 5.00% per year only for USD currency deposits made between 1 August 2026 to 31 December 2026, as follows:
- For the amount not exceeding USD 25,000, earn interest at 0.05% per year.
- For the amount exceeding USD 25,000 but not exceeding USD 100,000, earn special interest at 4.95% per year, totaling 5.00% per year.
- For the amount exceeding USD 100,000, earn special interest at 0.45% per year, totaling 0.50% per year.
- From 1 January 2070, a standard interest rate of 0.05% per year will be applied, regardless of the deposit amount.
- Average interest rates are between 0.05%- 5.00% per year. The calculation of the average interest rate depends on the customer’s deposit amount.
- Deposit interest rates for GBP, EUR, SGD, CNY, JPY and HKD vary according to the rates as prescribed by the Bank. Please study and view more details at the Bank’s website.
- **Account maintenance fee will be waived for e-FCD Account in USD, GBP, EUR, SGD and CNY from 28 February 2025 onwards and for e-FCD Account in JPY and HKD from 17 October 2025 onwards, until further notice of the Bank.
- The Bank reserves the right to change deposit interest rates and other conditions as prescribed by the Bank.
- Savings in an e-FCD Account are subject to foreign exchange rate risks. The amount received in Thai Baht may be lower than the original principal deposited. In addition, although the customer may receive interest in a foreign currency in accordance with the conditions of the e-FCD Account, the return amount received in Thai Baht may be lower than the interest rate prescribed by the Bank. Customers should review important product information and conditions before making a decision.
- Customer cannot use and/or make transactions through e-FCD Account for the purpose of speculating on foreign exchange rates.
- The use of e-FCD Account and/or execution of transactions through e-FCD Account shall be in accordance with the conditions prescribed by the Bank of Thailand.
USD TERM FUND
- This fund carries risks associated with foreign investments and does not fully hedge against exchange rate fluctuations. Investors may incur losses or gains from exchange rate and may receive less than their initial investment.
- Investing in mutual funds is not equivalent to depositing money and involves investment risks. Investors may not receive the full amount of their initial investment.
- Investors cannot redeem fund units within 3 or 6 months, depending on the fund’s conditions. If adverse factors affect the investment, investors may suffer significant losses.
- If the fund cannot invest as planned due to market changes, the advertised return may not be achieved.
- Investment involves risks. Investors should understand the product features, return conditions, and associated risks before making investment decisions.
- For more information about the fund, please refer to the fund prospectus available at www.scbam.com or via the SCB EASY app.
- Deposits/withdrawals in e-FCD / FCD accounts are subject to foreign exchange risk. Please review the product’s important information and terms and conditions before making a decision.
- e-FCD / FCD accounts must comply with the Bank of Thailand’s regulations.
- For inquiries, contact the SCB Call Center at 02-777-7777.
SCB PLANET CARD
- Customers must be individuals, and the e-FCD/FCD account name must match the SCB PLANET cardholder's name.
- Top-ups and transfer funds can be made in the same currency only.
Product Information
Interest Rates, Exchange Rates, and Fees
How to Use Other Features on the SCB EASY App
Solutions for partners
Smart savings with e-FCD
Payment
Get Answers About this Product
The e-FCD (Electronic Foreign Currency Deposit) Account is SCB’s electronic foreign currency savings account that allows customers to hold foreign currencies via the SCB EASY App. Customers can open an account and conveniently buy, sell, and exchange foreign currencies anytime, anywhere, all within a single application.
The e-FCD Account is suitable for:
- Individuals with income or expenses in foreign currencies
- Frequent travelers or customers who regularly use foreign currenciesำ
- Customers seeking to diversify risks associated with the Thai baht
- Investors looking to expand into international investment opportunities
The e-FCD Account currently supports 7 major currencies: US Dollar (USD), Euro (EUR), British Pound (GBP), Singapore Dollar (SGD), Chinese Yuan (CNY), Japanese Yen (JPY), and Hong Kong Dollar (HKD).
Customers can open accounts in multiple currencies simultaneously and select their preferred currencies during the application process via the SCB EASY App.
The e-FCD Account enables customers to conveniently manage foreign currencies through the SCB EASY App, covering savings, foreign exchange transactions, investment opportunities, and overseas spending needs, all in one place.
Key benefits of the e-FCD Account include:
- Earn a special interest rate of up to 4% per annum* on USD savings.
- No account maintenance fee**.
- No minimum deposit and no fixed deposit requirement.
- Instantly exchange and save foreign currencies via the SCB EASY App.
- Access international investment opportunities, including foreign currency mutual funds and gold trading through the USD GOLD TRADE application by Hua Seng Heng.
- Convenient foreign currency spending by transferring funds from the e-FCD Account to an SCB PLANET Card.
Customers can use their US Dollar (USD) savings held in the e-FCD Account on the SCB EASY App for various investment opportunities, including:
- Investing in foreign currency mutual funds through the SCB EASY App.
- Buying and selling gold via the USD GOLD TRADE application by Hua Seng Heng, with the e-FCD Account linked for convenient USD payments and settlement of gold transactions.
Yes. Customers can use funds from their e-FCD Account for overseas expenses, including travel expenses, tuition fees, and other transactions in foreign currencies. Funds can be transferred from the e-FCD Account to an SCB PLANET Card for spending worldwide in supported currencies.
