Select Account
DBS Multiplier Account
The DBS Multiplier Programme rewards you for your relationship with the bank. Based on your total monthly transaction from key income and expenses, you stand to earn higher interest on the SGD balances in your DBS Multiplier Account.
Fees and charges:
|
Service charge
(if average daily balance falls below S$3,000) |
Waiver of S$5.00 per month |
| Incidental overdraft interest charge on SGD balance | Not applicable |
| Minimum overdraft interest charge (for accounts with overdraft facility) |
S$10 |
| Deposits/Withdrawals in foreign currency | Same charges as Foreign Currency Current Account |
| Foreign Currency Cash Conversion | If you wish to convert an amount in a foreign currency into another foreign currency, we will convert to S$ equivalent and then re-convert to the foreign currency at prevailing exchange rates. |
Other charges related to foreign currencies:
(All amounts stated in the table are in the original foreign currency.)
| Currency | Min. incidental overdraft interest charge | ||
|---|---|---|---|
| AUD | 10 | ||
| CAD | 10 | ||
| CNH | N.A. | ||
| EUR | 10 | ||
| GBP | 5 | ||
| HKD | 55 | ||
| JPY | 750 | ||
| NOK | 50 | ||
| NZD | 10 | ||
| SEK | 60 | ||
| THB | 200 | ||
| USD | 10 | ||
My Account
My Account is the first customisable account that lets you bank the way you live. Forget juggling multiple accounts, enjoy the power to manage your finances the way it suits you with an account that meets your deposit needs throughout your life.
Fees and charges:
| Service charge (No minimum average daily balance required) |
S$0 |
| Incidental overdraft interest charge on SGD balance | Not applicable |
| Account fee (With paper statement) |
S$2 per month |
| Deposits/Withdrawals in foreign currency | Same charges as Foreign Currency Current Account |
| Foreign Currency Cash Conversion | If you wish to convert an amount in a foreign currency into another foreign currency, we will convert to S$ equivalent and then re-convert to the foreign currency at prevailing exchange rates. |
Note: Account fee is waived for customers up to 16 years old.
Other charges related to foreign currencies: (All amounts stated in the table are in the original foreign currency.)
Other charges related to foreign currencies: (All amounts stated in the table are in the original foreign currency.)
Other charges related to foreign currencies:
(All amounts stated in the table are in the original foreign currency.)
| Currency | Min. incidental overdraft interest charge | ||
|---|---|---|---|
| AUD | 10 | ||
| CAD | 10 | ||
| CNH | N.A. | ||
| EUR | 10 | ||
| GBP | 5 | ||
| HKD | 55 | ||
| JPY | 750 | ||
| NOK | 50 | ||
| NZD | 10 | ||
| SEK | 60 | ||
| THB | 200 | ||
| USD | 10 | ||
DBS Savings Account
A savings account for your day-to-day banking needs. Packaged with a debit card, internet banking and eStatement.
Fees and charges:
| Service charge - accounts opened before 12 September 2011 (if average daily balance falls below S$500) |
Waiver of S$2 per month |
| Service charge - accounts opened before
12 September 2011 (if average daily balance falls below S$1,000) |
Waiver of S$2 per month |
| Incidental overdraft interest charge | Prime + 5% p.a. payable on the overdrawn amount (min. S$20) |
Note:
DBS Savings Account is no longer available. Please consider DBS Multiplier Account or My Account.
DBS Savings Account is no longer available. Please consider DBS Multiplier Account or My Account.
DBS Savings Plus - AF Account
A savings account for your day-to-day banking needs or savings needs, with choice of eStatement or paper statement
Fees and charges:
| Service charge (if average daily balance falls below S$5,000) |
Waiver of S$2 per month |
| Incidental overdraft interest charge | Prime + 5% p.a. payable on the overdrawn amount (min. S$20) |
DBS eMulti-Currency Autosave Account
An all-in-one account to let you save and transact in SGD and foreign currencies, packaged with a debit card, internet banking and eStatement.
Fees and charges:
| Service charge (if average daily balance falls below S$3,000) |
Waiver of S$7.50 per month |
| Incidental overdraft interest charge on SGD balance | Not applicable |
| Minimum overdraft interest charge (for accounts with overdraft facility) |
S$10 |
| Deposits/Withdrawals in foreign currency | Same charges as Foreign Currency Current Account |
| Foreign Currency Cash Conversion | If you wish to convert an amount in a foreign currency into another foreign currency, we will convert to S$ equivalent and then re-convert to the foreign currency at prevailing exchange rates. |
Note: Service charge is waived for customers up to 29 years old. DBS eMulti-Currency Autosave Account is no longer available. Please consider DBS Multiplier Account or My Account.
DBS eMulti-Currency Autosave Account
Other charges related to foreign currencies:
(All amounts stated in the table are in the original foreign currency.)
| Currency | Min. incidental overdraft interest charge |
|---|---|
| AUD | 10 |
| CAD | 10 |
| CNH | N.A. |
| EUR | 10 |
| GBP | 5 |
| HKD | 55 |
| JPY | 750 |
| NOK | 50 |
| NZD | 10 |
| SEK | 60 |
| THB | 200 |
| USD | 10 |
DBS eMulti-Currency Autosave Plus Account
An all-in-one chequeing account to let you save and transact in SGD and foreign currencies, packaged with a debit card, internet banking and eStatement (choice of eStatement available for the DBS Multi-Currency Account).
Fees and charges:
| Account fee | S$2 per month |
| Service charge (if average daily balance falls below S$3,000) |
Waiver of S$7.50 per month |
| Incidental overdraft interest charge on SGD balance | Not applicable |
| Minimum overdraft interest charge (for accounts with overdraft facility) |
S$10 |
| Deposits/Withdrawals in foreign currency | Same charges as Foreign Currency Current Account |
| Foreign Currency Cash Conversion | If you wish to convert an amount in a foreign currency into another foreign currency, we will convert to S$ equivalent and then re-convert to the foreign currency at prevailing exchange rates. |
DBS eMulti-Currency Autosave Plus Account
Other charges related to foreign currencies:
(All amounts stated in the table are in the original foreign currency.)
| Currency | Min. incidental overdraft interest charge | Stop payment of cheque | Outward returned cheque charge |
|---|---|---|---|
| AUD | 10 | 30 | 40 |
| CAD | 10 | 30 | 40 |
| CNH | N.A. | N.A. | N.A. |
| EUR | 10 | 30 | 35 |
| GBP | 5 | 30 | 35 |
| HKD | 55 | 180 | 240 |
| JPY | 750 | 3,000 | 3,200 |
| NOK | 50 | 150 | 180 |
| NZD | 10 | 45 | 55 |
| SEK | 60 | 150 | 200 |
| THB | 200 | 750 | 1,000 |
| USD | 10 | 30 | 40 |
DBS Multi-Currency Autosave Plus Account
An all-in-one chequeing account to let you save and transact in SGD and foreign currencies, packaged with a debit card and option for eStatement.
Fees and charges:
| Account fee | S$4 per month |
| Service charge (if average daily balance falls below S$3,000) |
Waiver of S$7.50 per month |
| Incidental overdraft interest charge on SGD balance | Not applicable |
| Minimum overdraft interest charge (for accounts with overdraft facility) |
S$10 |
| Deposits/Withdrawals in foreign currency | Same charges as Foreign Currency Current Account |
| Foreign Currency Cash Conversion | If you wish to convert an amount in a foreign currency into another foreign currency, we will convert to S$ equivalent and then re-convert to the foreign currency at prevailing exchange rates. |
DBS Multi-Currency Autosave Plus Account
Other charges related to foreign currencies:
(All amounts stated in the table are in the original foreign currency.)
| Currency | Min. incidental overdraft interest charge | Stop payment of cheque | Outward returned cheque charge |
|---|---|---|---|
| AUD | 10 | 30 | 40 |
| CAD | 10 | 30 | 40 |
| CNH | N.A. | N.A. | N.A. |
| EUR | 10 | 30 | 35 |
| GBP | 5 | 30 | 35 |
| HKD | 55 | 180 | 240 |
| JPY | 750 | 3,000 | 3,200 |
| NOK | 50 | 150 | 180 |
| NZD | 10 | 45 | 55 |
| SEK | 60 | 150 | 200 |
| THB | 200 | 750 | 1,000 |
| USD | 10 | 30 | 40 |
DBS Multi-Currency Settlement Account (MCSA)
For information on the applicable interest rates of the different currencies held in the MCSA, please click HERE.
DBS eAutosave Account
A SGD interest-earning chequeing account, packaged with a debit card, internet banking and eStatement.
Fees and charges:
| Account fee | S$2 per month |
| Service charge (if average daily balance falls below S$3,000) |
Waiver of S$7.50 per month |
| Incidental overdraft interest charge | Not applicable |
| Minimum overdraft interest charge (for accounts with overdraft facility) |
S$10 |
Note:
DBS eAutosave Account is no longer available. Please consider our range of Multi-Currency Autosave Accounts.
DBS eAutosave Account is no longer available. Please consider our range of Multi-Currency Autosave Accounts.
DBS eAutosave Plus Account
A SGD interest-earning chequeing account, packaged with a debit card, internet banking, eStatement and paper statement.
Fees and charges:
| Account fee | S$4 per month |
| Service charge (if average daily balance falls below S$3,000) |
Waiver of S$7.50 per month |
| Incidental overdraft interest charge | Not applicable |
| Minimum overdraft interest charge (for accounts with overdraft facility) |
S$10 |
Note:
DBS eAutosave Plus Account is no longer available. Please consider our range of Multi-Currency Autosave Accounts.
DBS eAutosave Plus Account is no longer available. Please consider our range of Multi-Currency Autosave Accounts.
DBS Current Account
A non-interest earning chequeing account.
Fees and charges:
| Service charge (if average daily balance falls below S$3,000) |
Waiver of S$7.50 per month |
| Incidental overdraft interest charge | Not applicable |
| Minimum overdraft interest charge (for accounts with overdraft facility) |
S$10 |
Note:
DBS Current Account is no longer available. Please consider our range of Multi-Currency Autosave Accounts.
DBS Current Account is no longer available. Please consider our range of Multi-Currency Autosave Accounts.
POSB eSavings Account
A savings account for your day-to-day banking needs. Packaged with a debit card, internet banking and eStatement.
Fees and charges:
| Service charge (if average daily balance falls below S$500) |
Waiver of S$2 per month |
| Incidental overdraft interest charge | Prime + 5% p.a. payable on the overdrawn amount (min. S$20) |
Note: Service charge is waived for customers up to 21 years old or 60 years old and above. POSB eSavings Account is no longer available. Please consider opening My Account.
POSB Everyday/eEveryday Savings Account
A savings account for your day-to-day banking needs. eStatements are only available for POSB eEveryday Savings Account.
Fees and charges:
| Service charge (if average daily balance falls below S$500) |
Waiver of S$2 per month |
| Incidental overdraft interest charge | Prime + 5% p.a. payable on the overdrawn amount (min. S$20) |
Note: Service charge is waived for customers up to 21 years old or 60 years old and above. POSB eEveryday Savings Account is no longer available. Please consider opening My Account.
POSB Passbook Savings Account
A savings account for your day-to-day banking needs, issued with a passbook.
Fees and charges:
| Service charge (if average daily balance falls below S$500) |
Waiver of S$2 per month |
| Incidental overdraft interest charge | Prime + 5% p.a. payable on the overdrawn amount (min. S$20) |
Note:
Fall-below fee is waived for customers up to 21 years old or 60 years old and above. POSB Passbook Savings Account is only available for aged 62 years old and above.
Fall-below fee is waived for customers up to 21 years old or 60 years old and above. POSB Passbook Savings Account is only available for aged 62 years old and above.
POSB Current Account/eCurrent Account
A current account for your day-to-day banking needs.
Fees and charges:
| Account fee | S$2 per month |
| Service charge (if average daily balance falls below S$1,500) |
Waiver of S$2 per month |
| Incidental overdraft interest charge | Not applicable |
Note: POSB Current/eCurrent Account will be linked to a POSB Savings Account. The average daily balance is computed based on the balance in the linked POSB Savings Account. In addition, the service charge and account fee will be debited from the linked POSB Savings Account. POSB Current/eCurrent Account is no longer available. Please consider opening My Account.
Updated as of November 2019
DBS Expatriate Programme
A comprehensive suite of products and services to meet all your banking and financial needs, making your transition here as smooth as possible.
DBS Expatriate eMulti-Currency Autosave Account
An all-in-one account to let you save and transact in SGD and foreign currencies, packaged with an all-in-one card, internet banking and eStatement.
Fees and charges:
| Service charge (if average daily balance falls below S$5,000) |
Waiver of S$7.50 per month |
| Incidental overdraft interest charge on SGD balance | Not applicable |
| Minimum overdraft interest charge (for accounts with overdraft facility) |
S$10 |
| Deposits/Withdrawals in foreign currency | Same charges as Foreign Currency Current Account |
| Foreign Currency Cash Conversion | If you wish to convert an amount in a foreign currency into another foreign currency, we will convert to S$ equivalent and then re-convert to the foreign currency at prevailing exchange rates. |
Other charges related to foreign currencies:
(All amounts stated in the table are in the original foreign currency.)
| Currency | Min. incidental overdraft interest charge |
|---|---|
| AUD | 10 |
| CAD | 10 |
| CNH | N.A. |
| EUR | 10 |
| GBP | 5 |
| HKD | 55 |
| JPY | 750 |
| NOK | 50 |
| NZD | 10 |
| SEK | 60 |
| THB | 200 |
| USD | 10 |
Note:
DBS Expatriate eMulti-Currency Autosave Account is no longer available. Please consider DBS Multiplier Account or My Account.
DBS Expatriate eMulti-Currency Autosave Account is no longer available. Please consider DBS Multiplier Account or My Account.
DBS Expatriate eMulti-Currency Autosave Plus Account
An all-in-one chequeing account to let you save and transact in SGD and foreign currencies, packaged with an all-in-one card, internet banking and eStatement.
Fees and charges:
| Account fee | S$2 per month |
| Service charge (if average daily balance falls below S$5,000) |
Waiver of S$7.50 per month |
| Incidental overdraft interest charge on SGD balance | Not applicable |
| Minimum overdraft interest charge (for accounts with overdraft facility) |
S$10 |
| Deposits/Withdrawals in foreign currency | Same charges as Foreign Currency Current Account |
| Foreign Currency Cash Conversion | If you wish to convert an amount in a foreign currency into another foreign currency, we will convert to S$ equivalent and then re-convert to the foreign currency at prevailing exchange rates. |
Other charges related to foreign currencies:
(All amounts stated in the table are in the original foreign currency.)
| Currency | Min. incidental overdraft interest charge | Stop payment of cheque | Outward returned cheque charge |
|---|---|---|---|
| AUD | 10 | 30 | 40 |
| CAD | 10 | 30 | 40 |
| CNH | N.A. | N.A. | N.A. |
| EUR | 10 | 30 | 35 |
| GBP | 5 | 30 | 35 |
| HKD | 55 | 180 | 240 |
| JPY | 750 | 3,000 | 3,200 |
| NOK | 50 | 150 | 180 |
| NZD | 10 | 45 | 55 |
| SEK | 60 | 150 | 200 |
| THB | 200 | 750 | 1,000 |
| USD | 10 | 30 | 40 |
Note:
DBS Expatriate eMulti-Currency Autosave Plus Account is no longer available. Please consider our range of Multi-Currency Autosave Accounts.
DBS Expatriate eMulti-Currency Autosave Plus Account is no longer available. Please consider our range of Multi-Currency Autosave Accounts.
DBS Expatriate Autosave Account
A SGD interest-earning chequeing account for salary credit and your day-to-day banking needs, packaged with a debit card, internet bankning and eStatement.
Fees and charges:
| Account fee | S$2 per month |
| Service charge (if average daily balance falls below S$5,000) |
Waiver of S$7.50 per month |
| Incidental overdraft interest charge | Not applicable |
| Minimum overdraft interest charge (for accounts with overdraft facility) |
S$10 |
Note:
DBS Expatriate eAutosave Plus Account is no longer available. Please consider our range of Multi-Currency Autosave Accounts.
DBS Expatriate eAutosave Plus Account is no longer available. Please consider our range of Multi-Currency Autosave Accounts.
DBS Expatriate eAutosave Plus Account
A SGD interest-earning chequeing account for salary credit and your day-to-day banking needs, packaged with a debit card, internet banking, eStatement and paper statement.
Fees and charges:
| Account fee | S$4 per month |
| Service charge (if average daily balance falls below S$5,000) |
Waiver of S$7.50 per month |
| Incidental overdraft interest charge | Not applicable |
| Minimum overdraft interest charge (for accounts with overdraft facility) |
S$10 |
Note:
DBS Expatriate eAutosave Plus Account is no longer available. Please consider our range of Multi-Currency Autosave Accounts.
DBS Expatriate eAutosave Plus Account is no longer available. Please consider our range of Multi-Currency Autosave Accounts.
Fixed Deposit Account
Save for a fixed tenor for potentially higher interest. Choose from SGD or a wide range of foreign currencies.
S$ Fixed Deposit Account
| Minimum deposit | |
|
S$1 million |
|
S$1,000 |
DBS Premier Income Account (for persons 55 years old and above)
| Minimum deposit | S$10,000 for at least 6 months tenor |
DBS Foreign Currency Fixed Deposit Account
| Minimum deposit | S$5,000 equivalent |
| Deposits | Same charges as Foreign Currency Current Account |
| Withdrawals in | |
|
Converted at the prevailing buying exchange rate |
|
Same charges as Foreign Currency Current Account |
Note:
1. Premature withdrawal of Fixed Deposit is subject to conditions. You may earn less or no interest if you withdraw your fixed deposit before maturity. An early withdrawal fee may also be imposed. Please refer to the Bank’s Terms and Conditions Governing Accounts, which can be found at www.dbs.com.sg.
2. Conversion between currencies involves exchange rates which are subject to fluctuations. If you have used funds in another currency to place the Foreign Currency Fixed Deposit, you may receive an amount less than your original amount of such funds upon conversion of your Foreign Currency Fixed Deposit back to that other currency. In addition, you may be subject to foreign exchange controls which may be imposed from time to time.
3. Advance notice must be given to the Bank for withdrawals in foreign currency notes which are subject to availability.
1. Premature withdrawal of Fixed Deposit is subject to conditions. You may earn less or no interest if you withdraw your fixed deposit before maturity. An early withdrawal fee may also be imposed. Please refer to the Bank’s Terms and Conditions Governing Accounts, which can be found at www.dbs.com.sg.
2. Conversion between currencies involves exchange rates which are subject to fluctuations. If you have used funds in another currency to place the Foreign Currency Fixed Deposit, you may receive an amount less than your original amount of such funds upon conversion of your Foreign Currency Fixed Deposit back to that other currency. In addition, you may be subject to foreign exchange controls which may be imposed from time to time.
3. Advance notice must be given to the Bank for withdrawals in foreign currency notes which are subject to availability.
DBS Foreign Currency Current Account
All amounts stated in the table are in the original foreign currency.
| Currency | Min. average daily balance (MADB) | *Monthly service charge (if average daily balance < MADB) | Min. monthly overdraft interest charge | Stop payment of cheque | Outward returned cheque charge |
|---|---|---|---|---|---|
| AUD | 1,500 | 10 | 10 | 30 | 40 |
| CAD | 1,500 | 10 | 10 | 30 | 40 |
| CNH | N.A. | N.A. | N.A. | N.A. | N.A. |
| EUR | 1,000 | 10 | 10 | 30 | 35 |
| HKD | 8,000 | 55 | 55 | 180 | 240 |
| JPY | 200,000 | 750 | 750 | 3,000 | 3,200 |
| NZD | 1,500 | 10 | 10 | 45 | 55 |
| NOK | 7,500 | 50 | 50 | 150 | 180 |
| GBP | 800 | 5 | 5 | 30 | 35 |
| SEK | 8,000 | 60 | 60 | 150 | 200 |
| CHF | 2,200 | 10 | 10 | 30 | 40 |
| THB | 28,000 | 200 | 200 | 750 | 1,000 |
| USD | 1,000 | 7.50 | 10 | 30 | 40 |
* Waiver of monthly service charge for Treasures clients.
DBS Foreign Currency Current Account
Deposits in
|
Converted at the prevailing selling exchange rate | ||||||||||||||||
|
If account is in the same currency as the foreign currency notes deposited (except for THB and IDR) a commission-in-lieu of exchange (min. S$10) applies as follows:
|
||||||||||||||||
| Withdrawals in | |||||||||||||||||
|
Converted at the prevailing buying exchange rate | ||||||||||||||||
|
Same charges as Foreign Currency Current Account | ||||||||||||||||
| Early account closure fee (if account is closed within 6 months) |
S$30 |
Note:
DBS Foreign Currency Current Account is no longer available. Please consider opening My Account.
DBS Foreign Currency Current Account is no longer available. Please consider opening My Account.
Updated as of November 2019
Inward Remittances
Demand Draft
| Handling commission | 1/8% (min. S$10, max. S$100) per draft |
Telegraphic Transfer
| Handling commission | Waiver of S$10 |
MEPS (MAS Electronic Payment System)
| MEPS Receipt | Complimentary |
FAST (Fast And Secure Transfer)
| FAST Receipt | Complimentary |
Outward Remittances
Cashier’s Order
|
Waiver of S$5 fee per Cashier’s Order |
|
Waiver of S$2 fee per Cashier’s Order |
|
Complimentary for first party payment. Waiver of S$5 fee per Cashier’s Order for payment to third party |
| Other Charges | |
|
Where applicable |
|
S$15 per Cashier’s Order |
Demand Draft/Telegraphic Transfer
| Handling Commission | |
|
1/8% (min. S$10, max. S$120) per transaction |
|
1/8% (min. S$5, max. S$120) per transaction |
|
S$5 for debiting amount S$5,000 and below; S$10 for debiting amount above S$5,000 to S$25,000; S$35 for debiting amount above S$25,000 |
| Outward Telegraphic Transfer to: | |
|
Waiver of 1/8% handling fees and commission-in-lieu of exchange |
| Other Charges for Telegraphic Transfer | |
|
S$20 |
|
Where applicable |
|
S$15 plus Cable and Agent Bank charges (where applicable) per transaction |
|
S$10 plus Cable and Agent Bank charges (where applicable) per transaction |
| Other Charges for Demand Draft | |
|
S$15 plus Cable and Agent Bank charges (where applicable) per transaction |
|
Complimentary |
|
Complimentary |
| Standing Order for Telegraphic Transfer | |
|
S$20 |
|
S$10 |
MEPS (MAS Electronic Payment System)
| MEPS Payment | S$20 per payment |
FAST (Fast And Secure Transfer)
|
S$20 per payment |
|
Complimentary |
The tables below show the standard fees charged by DBS Treasures for service provided to clients.
Debt Securities and Structured Notes
Please refer to the Monetary and Non-Monetary Benefits Schedule section for more details.
| Market | Custody Fees |
|---|---|
| Singapore (bonds settled through CDP) | Waived |
| Other Bonds/Notes | 0.20% per annum and subject to minimum of SGD 100 (payable semi-annually) |
Important Notes:
- Account Fees (for Commodity Investment Account) and Custody Fees (for Exchange Listed Securities and Debt Securities and Structured Notes) will be based on the market value as at month-end.
- The above fees are subject to review from time to time at the discretion of the Bank.
- Fees and charges listed are exclusive of the applicable local taxes such as Goods and Services Tax (being 7% in Singapore as at the date of print), which is payable by you in addition to these fees and charges.
Commodity Investment Account
| Account Fees for Commodity Investment Account | |
|---|---|
| Gold | 0.05% per annum and subject to a minimum of SGD 100 (payable semi-annually) |
Exchange Listed Securities1
| Online Brokerage | |||
|---|---|---|---|
| Market | Online Rate | ||
| Minimum Charge | Custody Fees | ||
| Singapore | 0.12% | No minimum | Waived |
| Hong Kong | 0.15% | HKD 80 | 0.20% per annum and subject to minimum fee of SGD100 (applicable to each market and payable semi-annually) |
| Canada | 0.25% | CAD 20 | |
| United States Of America | 0.15% | USD 18 | |
| United Kingdom | 0.25% | GBP 20 USD 30 EUR 25 |
|
| Japan | 0.25% | JPY 2000 | |
| Australia | 0.25% | AUD 20 | |
| Market | Offline Brokerage | Custody Fees | ||
|---|---|---|---|---|
| Contract Value | Rate | Minimum Charge | ||
| Singapore | < SGD 100,000 >= SGD 100,000 |
0.50% 0.35% |
SGD 100 | Waived |
| Hong Kong | < HKD 500,000 >= HKD 500,000 |
0.50% 0.35% |
HKD 700 | 0.20% per annum and subject to minimum fee of SGD100 (applicable for each market and payable semi- annually) |
| Canada | < CAD 100,000 >= CAD 100,000 |
1.00% 0.75% |
CAD 150 | |
| United States of America |
< USD 100,000 >= USD 100,000 |
1.00% 0.75% |
USD 120 | |
| Malaysia | < MYR 300,000 >= MYR 300,000 |
0.75% 0.50% |
MYR 350 | |
| Thailand | 1.00% | THB 3,700 | ||
| Japan | < JPY 10,000,000 >= JPY 10,000,000 |
1.00% 0.75% |
JPY 13,000 | |
| Austria, Belgium, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Portugal & Spain | < EUR 100,000 >= EUR 100,000 |
1.00% 0.75% |
EUR 95 | |
| Shenzhen A (via Stock Connect) | 0.50% | CNH 700 | ||
| Shanghai A (via Stock Connect) | ||||
| Taiwan | 0.75% | TWD 5,000 | ||
| Shenzhen B | HKD 700 | |||
| Shanghai B | USD 100 | |||
| Indonesia | 1.00% | IDR 800,000 | ||
| Philippines | PHP 5,000 | |||
| Australia | AUD 170 | |||
| New Zealand | NZD 180 | |||
| United Kingdom |
GBP 65 | |||
| Denmark | DKK 700 | |||
| Norway | NOK 700 | |||
| Sweden | SEK 800 | |||
| Switzerland | CHF 95 | |||
| Other markets | USD 100 | |||
1 The brokerage charges are applicable for transactions which are executed through the exchange such as Warrants, Rights, Depositary Receipts, Preferred Shares, Exchange Traded Funds/ Bonds/ Commodity/ Notes/ Certificates and Similar Securities.
Important Notes:
- Account Fees (for Commodity Investment Account) and Custody Fees (for Exchange Listed Securities and Debt Securities and Structured Notes) will be based on the market value as at month-end.
- The above fees are subject to review from time to time at the discretion of the Bank.
- Fees and charges listed are exclusive of the applicable local taxes such as Goods and Services Tax (being 7% in Singapore as at the date of print), which is payable by you in addition to these fees and charges.
Investment Funds
| Sales Charge | Private Equity fund: Up to 3% of the committed investment amount (one-time charge fully payable upon call) All other funds: Up to 3% of the investment amount of the subscription trade. |
Important Notes:
- Account Fees (for Commodity Investment Account) and Custody Fees (for Exchange Listed Securities and Debt Securities and Structured Notes) will be based on the market value as at month-end.
- The above fees are subject to review from time to time at the discretion of the Bank.
- Fees and charges listed are exclusive of the applicable local taxes such as Goods and Services Tax (being 7% in Singapore as at the date of print), which is payable by you in addition to these fees and charges.
Equity Private Placements and Initial Public Offerings1
| Equity Private Placements during Initial Public Offerings 1 / Secondary Offerings 1 | Up to 2% of the allotment value (including external brokerage fees) |
1 The Bank and/or its associates may additionally receive fee rebates and marketing sponsorship from the product issuer. There may be third party fees and charges which are charged separately to the client and not set out in this Fee Schedule.
DBS Treasures Custody Fees1
The following types of investments will incur custody fees:
Debts Securities and Structured Notes
Exchange Listed Securities
FAQs about Custody Fees
Other Charges
| Out-of-Pocket Expenses Imposed by Central Depository or Bank’s Custodian | Registration fees, stamp duty, clearing fees, postages, telexes, facsimile charges and other charges as may be imposed by Central Depository (e.g. CDP/MCD/CCASS) or the Bank’s custodians from time to time shall be reimbursed by the client. |
Cheque Charges
| Cheque book charge | Complimentary for first cheque book, waiver of S$10 per subsequent cheque book of 50 leaves. |
| Stop payment of cheque for SGD Current Account | |
|
Waiver of S$30 per cheque (max. S$60) |
|
Waiver of S$15 per cheque (max. S$30) |
| DBS/POSB SGD returned cheques due to insufficient funds or being post-dated | S$40 per cheque |
Note:
In line with prevailing industry practice, effective 1 January 2021, a service fee will be charged for each DBS/POSB SGD post-dated returned cheque.
In line with prevailing industry practice, effective 1 January 2021, a service fee will be charged for each DBS/POSB SGD post-dated returned cheque.
| Direct mark cheque | S$100 per cheque |
| Retrieval of physical cheque (only available within 1 year of clearing date) |
S$50 per copy |
| Retrieval of cheque image | |
|
Waiver of S$20 per copy |
|
S$30 per copy |
|
S$50 per copy |
| Clearing of Foreign Currency cheques | |
|
Complimentary |
|
1/8% (min. S$10, max. S$100) per cheque |
Note:
- Foreign Currency cheques will be sent for clearing and your account will be credited after the proceeds are available.
- The amount credited will be net of agent charges, postage, commissions and any other fees (where applicable).
Coin Charges
Coin Exchange/Withdrawal (at branch)
The minimum sum to exchange/withdraw is S$50.
| Every multiple of S$50 | S$1.80 |
Coin Deposit (at Branch)
Please sort your coins according to denomination.
| Number of pieces ≤ 100 | S$1.80 |
| Every subsequent 100 pieces or part thereof | S$1.80 |
Coin Deposit (via Coin Deposit Machine)
| Every piece | S$0.015 (total fee rounded to the nearest one cent) |
Note:
- Coin services (at branch) are available every Tuesday and Thursday from 8:30 to 11:30 am.
- The coin deposit fees will be automatically waived for child’s accounts until the child turns 16 years old, for the first 1000 pieces deposited per calendar month*
Cash Charges
Cash (Notes) Deposit (at branch)
| First S$20,000 per account, per day | Waived |
| Subsequent S$10,000 or part thereof | S$10 |
Note:
- The cash deposit fee is applicable for SGD notes.
- Refer to Coin Charges for coin deposit fees.
>S$ Standing Instruction
| One-time sign up fee | S$10 (Complimentary via iBanking) |
| Amendment fee | S$5 |
Retrieval of Documents/Statements
| Within 1 year | Waiver of S$20 per copy |
| Between 1 and 3 years | S$30 per copy |
| More than 3 years | S$50 per copy |
Request
| For referral letter/credit enquiry/financial standing letter | Waiver of S$21.40 (Including GST) per request |
| For audit confirmation of account balance(s) | S$50 |
Replacement
| Of Treasures Debit Card | Complimentary |
| Of DBS/POSB ATM Card | Complimentary |
| Of lost passbook/passcard | S$15 |
| Of DBS iB Secure Device | S$20 |
Overseas ATM Cash Withdrawal
| Treasures Debit Card | Waiver of S$7 cash withdrawal fees when you use your card at any Visa/PLUS ATMs worldwide (Overseas Bank’s withdrawal fee may apply) |
Securities Withdrawal
| Processing Fee | S$100* per instruction (waived for transfer to DBS Vickers) |
Banker’s Guarantee (BG)
| Financial BG | 1% p.a. |
| Performance BG (less than 2 years) | 1% p.a. |
| Performance BG (more than or equal to 2 years) | 1% p.a. (min. S$100. Additional S$50 will be charged for non-standard format). Above excludes incidental charges such as postage, cable, etc. |
Disclaimer:
- The above fees are subject to review from time to time at the discretion of the Bank.
- Where “*” is indicated, the fees or charge will be subject to 7% GST, where applicable.
Credit Card
DBS Treasures clients will enjoy perpetual annual fee waiver on the DBS Treasures Black Elite American Express® Card.
| DBS Treasures Black Elite Card | Annual fee waiver of |
| - Principal | S$535 (Including GST) |
| - Supplementary | S$267.50 (Including GST) |
Note:
- Annual fee waiver applies as long as Principal cardholder maintains a DBS Treasures relationship with the Bank.
- Waiver applies for Principal and up to 2 Supplementary cards.
DBS Treasures Exclusive Safekeeping Service
DBS Treasures Service Fee
| Treasures Service Fee | S$50 per month (charged if the month-end balance of account(s) is below S$200,000) |
Note:
Ending balance is computed based on total deposits/investments.
Ending balance is computed based on total deposits/investments.
Monetary and Non-Monetary Benefits Schedule
INVESTMENT PRODUCTS / SERVICES – MONETARY AND NON-MONETARY BENEFITS RECEIVABLE BY THE BANK AND/OR ITS ASSOCIATES
The benefits listed below are not exhaustive. In exceptional cases, the benefits for certain specialized products may fall outside the scope of the list below and, in such event, the client will be notified accordingly. If you have any queries about the below, please contact your Relationship Manager.
For accounts with the Bank managed by DBS Bank (Hong Kong) Limited (“DBSHK”), DBSHK may share a portion of the monetary and/or non-monetary benefits receivable or received by the Bank.
For all other investment products not listed below, the fees and benefits listed in DBS Private Bank Fee Schedule shall apply.
In this Schedule, the “Bank” refers to DBS Treasures.
Section A: Transactions where the Bank acts as principal1
For such transactions, the Bank will generally quote an “all-in” price which includes the interbank price and a sales and trading mark-up. Such sales and trading mark-up will not exceed the maximum dollar amount or percentage range detailed below, unless the client agrees otherwise.
Where the Bank is able to execute the transaction at a better interbank price, the Bank may, subject to the above, retain the benefit from such price improvement. However, where the Bank has committed to a different charging structure, including a fixed sales and trading mark-up, the Bank will honour all such arrangements.
| Type of Investment / Product | Monetary and/or non-monetary benefits receivable by the Bank and/or its associates2 |
|---|---|
| Currency Linked Investments3 | Up to half of the cost yield4, subject to a minimum of SGD 75. |
| Equity-Linked Notes3,5 | Up to half of the cost yield4 |
| All Other Structured Products6 (applicable to both inception and redemption trades) | - Tenor up to 1 year: Up to 2.25% of the notional amount of the trade - Tenor greater than 1 year and up to 3 years: Up to 3% of the notional amount of the trade - Tenor greater than 3 years and up to 5 years: Up to 4% of the notional amount of the trade - Tenor beyond 5 years: Up to 5% of the notional amount of the trade |
| Bonds / Fixed Income – (Rebates for Primary issuance)7 | Any rebate, commission or fee received from the issuer will be up to 1% of the notional amount of the trade and will be disclosed to the client on a pre-trade basis.
For SGD denominated bonds, the rebate is up to 0.25% of the notional amount of the trade. |
| Bonds / Fixed Income (Primary and secondary market)8 | - Tenor up to 5 years: Up to 1% of the notional amount of the trade - Tenor greater than 5 years and up to 10 years: Up to 2% of the notional amount of the trade - Tenor beyond 10 years: Up to 3% of the notional amount of the trade |
| Foreign Exchange (including Forward) | Up to 3% of prevailing FX rate9 |
| Paper Gold (XAU) (including Forward) | Up to 3% of prevailing XAU rate |
1 Where the Bank acts as principal, the Bank and/or any of its associates will benefit from the client’s purchase / sale of the product.
2 The benefits receivable as described in this column are subject to any pre-sale process and/or documentation providing otherwise.
3 Fees and charges incurred by the Bank and/or any of its associates as well as profit margins, if any, are inherently contained and subsumed into the calculation of the interest rate, interest amounts and/or other variables of the product.
4 The “cost yield” refers to the annualised premium of the option sold by the client plus the interest rate.
5 Discounted instruments which do not pay a periodic coupon and are quoted in yield terms.
6 Fees and charges incurred by the Bank and/or any of its associates as well as profit margins, if any, are inherently contained and subsumed into the calculation of the interest rate, price, interest amounts and/or other variables of the product.
7 This relates to any rebate, commission or fee receivable by the Bank and/or any of its associates from the issuer (and is in addition to the spread described in the category below under “Bonds / Fixed Income (Primary and secondary market)”).
8 Where the Bond / Fixed Income product is a Subordinated Fixed Income Security issued by the DBS Group Holdings Ltd and/or the Bank, the Bank is acting as agent and not as advisor or principal to the client. Please refer to Section B.
9 Only for transactions originating from Multi-Currency Settlement Account. Clients dealing in FX transactions will need to be independently apprised of situations where there is extreme or sudden market fluctuation or volatility, such as political, economic and market conditions that are difficult to predict and which could directly or indirectly affect the foreign exchange rates. In such market conditions, the spread may exceed this limit.
2 The benefits receivable as described in this column are subject to any pre-sale process and/or documentation providing otherwise.
3 Fees and charges incurred by the Bank and/or any of its associates as well as profit margins, if any, are inherently contained and subsumed into the calculation of the interest rate, interest amounts and/or other variables of the product.
4 The “cost yield” refers to the annualised premium of the option sold by the client plus the interest rate.
5 Discounted instruments which do not pay a periodic coupon and are quoted in yield terms.
6 Fees and charges incurred by the Bank and/or any of its associates as well as profit margins, if any, are inherently contained and subsumed into the calculation of the interest rate, price, interest amounts and/or other variables of the product.
7 This relates to any rebate, commission or fee receivable by the Bank and/or any of its associates from the issuer (and is in addition to the spread described in the category below under “Bonds / Fixed Income (Primary and secondary market)”).
8 Where the Bond / Fixed Income product is a Subordinated Fixed Income Security issued by the DBS Group Holdings Ltd and/or the Bank, the Bank is acting as agent and not as advisor or principal to the client. Please refer to Section B.
9 Only for transactions originating from Multi-Currency Settlement Account. Clients dealing in FX transactions will need to be independently apprised of situations where there is extreme or sudden market fluctuation or volatility, such as political, economic and market conditions that are difficult to predict and which could directly or indirectly affect the foreign exchange rates. In such market conditions, the spread may exceed this limit.
Section B: Transactions where the Bank acts as agent
| Type of Investment / Product | Monetary and/or non-monetary benefits receivable by the Bank and/or its associates10 |
|---|---|
| Investment Funds11 | Up to 70% of the management fee receivable by the fund house12 |
| Subordinated Fixed Income Security issued by DBS Group Holdings Ltd and/or the Bank - (Primary and secondary market) | - Tenor up to 5 years: Up to 1% of the notional amount of the trade - Tenor greater than 5 years and up to 10 years: Up to 2% of the notional amount of the trade - Tenor beyond 10 years: Up to 3% of the notional amount of the trade |
10 The benefits receivable as described in this column are subject to any pre-sale process and/or documentation providing otherwise.
11 The Bank and/or its associates may additionally receive commissions, rebates and other fees from the product issuer and/or fund house. In addition, the Bank and/or any of its associates may receive marketing sponsorship from the product issuer and/or fund house.
12 The management fee receivable by the fund house is disclosed in the relevant offering documentation.
11 The Bank and/or its associates may additionally receive commissions, rebates and other fees from the product issuer and/or fund house. In addition, the Bank and/or any of its associates may receive marketing sponsorship from the product issuer and/or fund house.
12 The management fee receivable by the fund house is disclosed in the relevant offering documentation.
Section C: Transactions where the Bank acts as referrer or distributor
| Type of Product / Service | Monetary and/or non-monetary benefits receivable by the Bank and/or its associates |
|---|---|
| Insurance (Direct model)13 | The Bank receives the amount equivalent to the “Total Distribution Cost To-Date” as set out in the “Policy Illustration” section of the insurance policy. |
13 The direct model involves the Bank making a direct sale to the client of the third party insurance policy. The Bank acts in the capacity as distributor.
Important Notes:
- DBS Bank Ltd. is an affiliate of DBS Group Holdings Ltd and may act as both issuer and distributor of a Structured Note and/or other investment product. The client, in choosing to transact in the product, acknowledges and accepts the aforementioned notwithstanding that there are Chinese Wall policies in DBS Bank Ltd.
- In cases of early termination of an investment product before its maturity, the client may receive less than the principal amount initially invested or potentially lose the entire principal sum invested in the product. In addition, there may be administrative fees, charges and other costs (refer to the DBS Treasures Agreement) imposed in connection with the early termination of the product.
- Where clients trade in investment products through divisions other than the Bank, and/or where investment services are provided to clients by other divisions, there may be fees and charges imposed by these divisions which are separate from and not set out in this Fee Schedule. For queries relating to such products or services, please check with your usual contact and/or relationship manager.
Fees and charges of the relevant division(s) as well as profit margins, if any, may be inherently contained and subsumed into the calculation of the interest rate, interest amounts and/or other variables of the product. Depending on the transaction, benefits received by the relevant division(s) on the client’s purchase / sale of this product can vary depending upon a number of factors including but not limited to the notional amount, product tenor, market conditions, liquidity, etc. - Operational or system constraints, such as rounding practices, may result in the final fees, charges or benefit marginally exceeding the maximum dollar amount or percentage range detailed herein.
This Pricing Guide is applicable to the accounts and related services offered by DBS, and is subject to change without prior notice. Information is correct at the time of printing. For the latest information on DBS Treasures Pricing Guide, please visit www.dbs.com.sg/treasures
Deposit Insurance Scheme – Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$75,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.