Foreign Currency Deposit (FCD)

The SCB FCD Account allows customers to deposit money in foreign currencies. It is suitable for those with income or expenses in foreign currencies, such as import–export business owners, international investors, parents paying overseas education fees, expatriates in Thailand, or customers seeking to diversify currency risk.

The SCB FCD Account is available in 14 major global currencies, covering trade, investment, and international spending needs. Customers can select the currency that best suits their needs.

Available currencies include USD, GBP, EUR, JPY, AUD, CAD, DKK, CHF, HKD, NZD, CNY, SGD, MYR, and IDR.

The key advantage is managing exchange rate risk. Customers can hold funds in foreign currencies until exchange rates are favorable and make payments abroad (e.g., tuition fees, goods, and services) without converting back to Thai baht—helping reduce losses from exchange spreads. Additionally, customers can earn interest in the deposited currency.

Yes. Funds in the FCD Account can be transferred directly to invest in foreign assets, such as overseas stocks or offshore funds, via connected platforms like InnovestX. This enables immediate investment without incurring repeated currency conversion fees.

Fees may apply, such as international transfer fees or currency exchange fees, depending on the service type and bank conditions. Customers should check the latest applicable fees before making any transactions.