I WANT
RELATED LINKS
I WANT
RELATED LINKS
RELATES LINKS
I WANT
RELATES LINKS
Services
Related Links
Use and Management of Cookies
We use cookies and other similar technologies on our website to enhance your browsing experience. For more information, please visit our Cookies Notice.
PROMOTIONS
You can now trade gold with e-FCD accounts!
Trade 99.99% gold in USD on Hua Seng Heng’s USD GOLD TRADE App.
Share1 January 2026 – 31 March 2026
Seize the Gold Trading Opportunity with an 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.
- Open an e-FCD Account via SCB EASY App. Make a deposit in USD in accordance with the procedure as prescribed by the Bank.
- Connect your e-FCD Account with Hua Seng Heng’s USD GOLD TRADE App in accordance with the procedure as prescribed by the Bank.
- 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 account
Easily open e-FCD Account (Electronic Foreign Currency Deposit) via the SCB EASY App.
1. Select “Banking Services”
2. Select “Open Deposit Account”
3. Select “Open e-FCD Account”
4. Select the currency (or currencies) for your account.
5. Read “Terms and Conditions” and tap “Accept”
6. Enter the “Laser ID Number” and click “Next” to verify your identity
7. Press “Next” to verify your identity using a face scan.
8. Provide “Consent Relating to Sensitive Personal Data”
9. Proceed with a face scan to continue to the next step
10. Tap “Next” to answer “FATCA Questions”
11. Answer “FATCA and CRS Questions”
12. Review your “Taxpayer ID” and tap “Confirm”.
13. Enter your “Country of Birth and City/Province of Birth”, then tap “Confirm”.
14. Read and accept “Terms and Conditions”, then tap “Confirm”.
15. Fill and review “Your Personal Information” and tap confirm
16. Select your “Phone Number” for OTP verification and enter the received OTP.
17. Your e-FCD account opening is successful. Tap “Return” to the Account Home Screen.
18. The e-FCD account will be automatically added to the Account Home Screen.
1. Select “Banking Services”
2. Select “Open Deposit Account”
3. Select “Open e-FCD Account”
4. Select the currency (or currencies) for your account.
5. Read “Terms and Conditions” and tap “Accept”
6. Enter the “Laser ID Number” and click “Next” to verify your identity
7. Press “Next” to verify your identity using a face scan.
8. Provide “Consent Relating to Sensitive Personal Data”
9. Proceed with a face scan to continue to the next step
10. Tap “Next” to answer “FATCA Questions”
11. Answer “FATCA and CRS Questions”
12. Review your “Taxpayer ID” and tap “Confirm”.
13. Enter your “Country of Birth and City/Province of Birth”, then tap “Confirm”.
14. Read and accept “Terms and Conditions”, then tap “Confirm”.
15. Fill and review “Your Personal Information” and tap confirm
16. Select your “Phone Number” for OTP verification and enter the received OTP.
17. Your e-FCD account opening is successful. Tap “Return” to the Account Home Screen.
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 4.00% per year only for USD currency deposits made between 1 January 2026 to 31 March 2026, as follows:
- For the amount not exceeding USD 10,000, earn interest at 0.05% per year.
- For the amount exceeding USD 10,000 but not exceeding USD 50,000, earn special interest at 3.95% per year, totaling 4.00% per year.
- For the amount exceeding USD 50,000, earn special interest at 1.95% per year, totaling 2.00% per year.
- From 1 April 2026, a standard interest rate of 0.05% per year will be applied, regardless of the deposit amount.
- Average interest rates are between 0.05%- 4.00% 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.
- Deposits and withdrawals of e-FCD Account are subject to risks from foreign exchange rate. Customers should review important information and conditions of the product 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.
