#“Eligible New Funds” refers to the incremental balance comparing the MCY Account Balance within the Reward Counting Period to:
a.For New Customers: HKD / USD Deposit Balance on 31 August 2024, default to be zero; OR
b.For Upgraded Customers: HKD / USD Deposit Balance on 31 August 2024, according to the Bank’s record.
“HKD or USD Deposit Balance” is the total of HKD or USD deposits that Eligible Customer maintains with the Bank in the HKD or USD Designated Current & Savings Accounts including Wealth Management Accounts ("WMA”) -> HKD, USD Current Accounts and/or Savings Accounts and/or Multi-Currency Savings Accounts(“MCY Account”), excluding any Time Deposits, regardless it is solely or jointly owned by the Eligible Customer.
Enjoy below Total Savings Interest Rate within the Reward Counting Period~:
Currency | Eligible New Funds | Reward Counting Period | Total Savings Interest Rate (p.a.)* | Level-up Bonus Interest Rate (p.a.)4 | |
HKD | $200,000 - $20,000,000 | 1 September 2024 – | Up to 3.8% | Up to 0.2% | |
USD | $25,000 - $2,600,000 | 4.6% |
~Interest rate is calculated in daily basis and New Customer who fails to maintain such Eligible New Funds HK$200,000 and/or US$25,000 or above at the end of the Promotion on 30 November 2024 is not eligible to earn the Rewards.
Eligible New Funds are capped at HK$20,000,000 or USD$2,600,000.
*Total Savings Interest Rate includes Basic Savings Interest Rate and e$aver Interest Rate.
As of 31 August 2024, the HKD Basic Savings Interest Rate for $200,000 -< $1,000,000 is 0.525%p.a. and $1,000,000 - < $5,000,000 is 0.575%p.a. and $5,000,000 or above is 0.75%. USD Basic Savings Interest Rate is 0.001%p.a.
Hence, including Eligible New Funds, the HKD Total Savings Interest Rate is 3.575% (3.05%+0.525%) for MCY Account HKD Balance $200,000 -< $1,000,000, and the HKD Total Savings Interest Rate is 3.625% (3.05%+0.575%) for MCY Account HKD Balance $1,000,000 - < $5,000,000, and the HKD Total Savings Interest Rate is 3.8% (3.05%+0.75%) for MCY Account HKD Balance $5,000,000 or above. The USD Total Savings Interest Rate is 4.6% (4.599%+0.001%) for MCY Account USD Balance $25,000 or above.
If customer opens or upgrades to DBS Treasures account and deposit below Eligible New Funds to MCY account from 1 Sept - 30 Sept. Customer can enjoy below Total Savings Interest Rate based on the day-end Eligible New Funds.
Assume customer’s MCY Account HKD Balance and MCY Account USD Deposit Balance is $0 as of 31 Aug 2024.
Eligible New Funds | e$aver Interest Rate + Basic Savings Interest Rate | Level-up Bonus Interest Rate | Total Savings Interest Rate |
HK$900,000 | 3.05% + 0.525% | Up to 0.2% | Up to 3.775% |
HK$2,000,000 (HK$2,000,000) | 3.05% + 0.575% | Up to 3.825% | |
HK$10,000,000 (HK $10,000,000) | 3.05% + 0.75% | Up to 4% | |
US$800,000 (US$800,000) | 4.599% + 0.001% | Up to 4.8% |
Assume customer’s MCY Account HKD Balance is $1,000,000 and MCY Account USD Deposit Balance is $5,000 as of 31 Aug 2024.
Eligible New Funds | e$aver Interest Rate + Basic Savings Interest Rate | Level-up Bonus Interest Rate | Total Savings Interest Rate |
HK$900,000 | 3.05% + 0.575% | Up to 0.2% | Up to 3.825% |
HK$1,600,000 (HK$2,600,000) | 3.05% + 0.575% | Up to 3.825% | |
HK$4,800,000 (HK $5,800,000) | 3.05% + 0.75% | Up to 4% | |
US$795,000 (US$800,000) | 4.599% + 0.001% | Up to 4.8% |
Join month | Benchmark Date (Upgraded Customers) | Fund-in Period | Terms and Conditions |
September 2024 | 31 August 2024 | 1 September 2024 – | Please click here for details |
Challenge 1: Complete the following mission to earn a 0.1%p.a. Level-Up Bonus Interest
Eligible Foreign Currency Exchange Transaction
Challenge 2: Complete the following mission to earn an extra 0.1%p.a. Level-Up Bonus Interest
Eligible Investment Transaction
Payroll Reward
ATM Card Reward
Overseas Transfer Reward
e$tamp Reward
Online Bill Payment Reward
DBS e$aver Deposit Promotion for New Customers and Upgraded Customers (August 2024)
DBS e$aver Deposit Promotion for New Customers and Upgraded Customers (July 2024)
DBS e$aver Deposit Promotion for New Customers and Upgraded Customers (June 2024)
DBS e$aver Deposit Promotion for New Customers and Upgraded Customers (May 2024)
DBS e$aver Deposit Promotion for Selected Individual Customers (June 2024)
DBS e$aver Deposit Promotion for Selected Individual Customers (April 2024)
DBS e$aver Deposit Promotion for Selected Individual Customers (March 2024)
DBS e$aver Deposit Promotion for Selected Individual Customers (January 2024)
For new customer: Successfully join DBS Treasures to enjoy the exclusive welcome rewards. New DBS Treasures customers needs maintain monthly Total Relationship Balance of HK$1,000,000 or above. Please click here to join us. You may deposit and maintains eligible new funds in your Multi-Currency Savings Accounts within the reward counting period to get the e$aver interest rate. Please refer to the terms and conditions for details.
For existing customer: Please review the terms and condition before register for the promotion. You may simply deposit and maintain eligible new funds in your Multi-Currency Savings Accounts within the reward counting period to get the e$aver interest rate. Please refer to the terms and conditions for details.
Registration via the designated link is only necessary to existing customer. You will receive a confirmation email from the bank after registration. If you do not receive a confirmation email, please check your spam folder, or register again within the registration period.
Total Savings Interest Rate includes Basic Savings Interest Rate & e$aver Interest Rate. Please click here for details of Basic Savings Interest Rate. The e$aver Interest rate is calculated daily based on the day-end Eligible New Funds balance in the Multi-Currency Savings Account accrued during the Reward Counting Period.
Basic Savings Interest Rate is subject to revision in light of prevailing market conditions. The Basic Savings Interest Rate is not guaranteed, and the Bank reserves the right to revise the Basic Savings Interest Rate at any time and from time to time for any reason without any prior notice or giving any reason therefor. The Basic Savings Interest will be credited directly on or before the last day of each month.
For New Customer: Eligible New Funds = Daily available balance in HKD / USD MCY Accounts
For Upgrade to DBS Treasures / Existing Customer: Eligible New Funds = Daily available balance in HKD / USD MCY Accounts - HKD or USD Deposit Balance on Benchmark Date.