1 August 2026 to 31 December 2026

Seize the opportunity to buy-sell gold through e-FCD Account.

Customer can buy-sell gold online and conveniently make payments for buying gold and receive proceeds from selling gold through e-FCD Account via Hua Seng Heng’s USD GOLD TRADE App.

  1. Open an e-FCD Account via SCB EASY App. Make a deposit in USD in accordance with the procedure as prescribed by the Bank.
  2. Connect your e-FCD Account with Hua Seng Heng’s USD GOLD TRADE App in accordance with the procedure as prescribed by the Bank.
  3. Now you are set to start buying and selling gold on the USD GOLD TRADE App, make payments for buying gold and receive proceeds from selling gold through e-FCD Account. See how to buy and sell gold on the Hua Seng Heng website.

How to open the e-FCD Account

Easily open the Electronic Foreign Currency Deposit Account
 via the SCB EASY App.

How to open e-FCD Account via SCB EASY App
1. Select “Banking Services”
How to open e-FCD Account via SCB EASY App
2. Select “e-FCD / FCD Accounts”
How to open e-FCD Account via SCB EASY App
3. Select “Open Account”
How to open e-FCD Account via SCB EASY App
4. Select the currency (or currencies) for your account.
How to open e-FCD Account via SCB EASY App
5. Read “Terms and Conditions” and tap “Accept”
How to open e-FCD Account via SCB EASY App
6. Enter the “Laser ID Number” and click “Next” to verify your identity
How to open e-FCD Account via SCB EASY App
7. Press “Next” to verify your identity using a face scan.
How to open e-FCD Account via SCB EASY App
8. Provide “Consent Relating to Sensitive Personal Data”
How to open e-FCD Account via SCB EASY App
9. Proceed with a face scan to continue to the next step
How to open e-FCD Account via SCB EASY App
10. Tap “Next” to answer “FATCA Questions”
How to open e-FCD Account via SCB EASY App
11. Answer “FATCA and CRS Questions”
How to open e-FCD Account via SCB EASY App
12. Review your “Taxpayer ID” and tap “Confirm”.
How to open e-FCD Account via SCB EASY App
13. Enter your “Country of Birth and City/Province of Birth”, then tap “Confirm”.
How to open e-FCD Account via SCB EASY App
14. Read and accept “Terms and Conditions”, then tap “Confirm”.
How to open e-FCD Account via SCB EASY App
15. Fill and review “Your Personal Information” and tap confirm
How to open e-FCD Account via SCB EASY App
16. Select your “Phone Number” for OTP verification and enter the received OTP.
How to open e-FCD Account via SCB EASY App
17. Your e-FCD account opening is successful. Tap “Return” to the Account Home Screen.
How to open e-FCD Account via SCB EASY App
18. The e-FCD account will be automatically added to the Account Home Screen.

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.

How to Use Other Features on the SCB EASY App