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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.
Share7 March 2025 – 31 December 2025
Seize the Gold Trading Opportunity with an e-FCD Account.
Investors can trade gold online and conveniently make payments and receive funds through their e-FCD accounts via Hua Seng Heng’s USD Gold Trade App.
- Open an e-FCD account via the SCB EASY App. Make a deposit in USD. Follow the instructions until the transaction is complete.
- Follow the instructions to connect your e-FCD account with Hua Seng Heng’s USD Gold Trade App.
- Now you are set to start trading gold on the USD GOLD TRADE App, make payments and receive funds via your e-FCD account. See gold trading instructions 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 USD deposit interest rate up to 3.00% p.a. for deposits made from October 1 - December 31, 2025, as follows:
- Amounts up to USD 10,000: 0.15% p.a.
- Amounts over USD 10,000 to USD 100,000: special interest at 2.85% p.a., totaling 3.00% p.a.
- Amounts over USD 100,000: 2.50% p.a.
- From January 1, 2026, a standard interest rate of 0.15% p.a. will apply, regardless of the deposit amount.
- Average interest rates are between 0.15%- 3.00% p.a., depending on the deposit amount.
- Deposit interest rates for e-FCD accounts in GBP, EUR, SGD, CNY, JPY and HKD vary by currency, as per SCB’s official announcements. Please visit SCB's website for more details.
- **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.
- SCB reserves the right to revise deposit interest rates and applicable conditions as per its official announcements.
- Deposits and withdrawals in e-FCD accounts are subject to foreign exchange rate risks. Customers are advised to carefully review the product details and terms before making a decision.
- e-FCD accounts cannot be used for deposits, withdrawals, or any transactions intended for foreign exchange speculation.
- e-FCD accounts must adhere to the criteria established by the Bank of Thailand.
