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Pricing guide

A comprehensive listing of our deposit services and exclusive DBS Treasures offerings, for your easy reference.

If you are interested in any of the services, please get in touch with your DBS Treasures Relationship Manager.

Convenient Banking Anytime, Anywhere

We lead innovation to bring you better transactional capabilities, especially in cashless convenience.
So, banking could be faster and easier with DBS. Enjoy the following and many more to come.

Cash/Cheque Transactions

Cash withdrawal at more than 1,000 ATM in Singapore, and overseas cash withdrawal at PLUS ATM worldwide.
Deposit round-the-clock at Cash Deposit Machines and Coin Deposit Machines.
Deposit your cheque anytime without queuing at the Quick Cheque Deposit Box located outside each branch.

Cashless Convenience

Instant funds transfer to almost anyone in Singapore, crediting into their DBS/POSB accounts.
Easy and quick bill payment through GIRO, internet banking, AXS Station or ATM.
Top-up ez-link card at any ATM or AXS Station.
Top-up CashCard at any ATM.
Cashless shopping with your DBS Treasures Debit Card in Singapore and Visa merchants worldwide.

Here are some popular services, accessible easily via the Self-Service Banking Services:

Services available	Conveniently accessible via
Services available	ATM	Internet Banking	Phone Banking	AXS
Funds Transfer	⚫	⚫	⚫⁺
Bill Payment	⚫	⚫	⚫	⚫
Top-up ez-link card	⚫			⚫
Top-up CashCard	⚫
Top-up Telco Prepaid cards from SingTel, M1 or Starhub	⚫			⚫
Electronic Payment for Shares	⚫	⚫	⚫
IPO Application	⚫	⚫
Balance Enquiry	⚫	⚫	⚫
Transaction History Enquiry		⚫	⚫
Update Address^*		⚫		⚫
Activation of overseas cash withdrawal	⚫	⚫

⁺ Available for funds transfer within your DBS/POSB accounts only
^* New address can be updated for Deposits, Loans and Investments, Credit Cards (Principal Cardholders only), Cashline and Margin Trading (Share Financing)

Updated as of June 2017

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:

Fall-below fee (if average daily balance < S$3,000)	Waiver of S$5.00 per month
Incidental overdraft interest charge on SGD balance	Prime + 5% p.a. payable on the overdrawn amount (min. S$20)
Minimum overdraft interest charge (for accounts with overdraft facility)	S$10
Early account closure fee (if account is closed within 6 months)	S$30
Deposits/Withdrawals in foreign currency	Same charges as Foreign Currency Current Account
Foreign Currency Cash Conversion	If you wish to convert an amount in a foreign currency into another foreign currency, we will convert to S$ 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
Currency	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

Updated as of June 2017

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:

Fall-below fee for accounts opened before 12 September 2011 (if average daily balance < S$500)	Waiver of S$2 per month
Fall-below fee for accounts opened from 12 September 2011 (if average daily balance < 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)
Early account closure fee (if account is closed within 6 months)	S$20

Note:
DBS Savings Account is no longer available. Please consider our range of Multi-Currency Autosave Accounts.

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:

Fall-below fee (if average daily balance <S$3,000)	Waiver of S$7.50 per month
Incidental overdraft interest charge on SGD balance	Prime + 5% p.a. payable on the overdrawn amount (min. S$20)
Minimum overdraft interest charge (for accounts with overdraft facility)	S$10
Early account closure fee (if account is closed within 6 months)	S$30
Deposits/Withdrawals in foreign currency	Same charges as Foreign Currency Current Account
Foreign Currency Cash Conversion	If you wish to convert an amount in a foreign currency into another foreign currency, we will convert to S$ equivalent and then re-convert to the foreign currency at prevailing exchange rates.

Note:
Fall-below fee is waived for customers up to 29 years old.

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 / DBS Multi-Currency 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
Fall-below fee (if average daily balance <S$3,000)	Waiver of S$7.50 per month
Incidental overdraft interest charge on SGD balance	Prime + 5% p.a. payable on the overdrawn amount (min. S$20)
Minimum overdraft interest charge (for accounts with overdraft facility)	S$10
Early account closure fee (if account is closed within 6 months)	S$30
Deposits/Withdrawals in foreign currency	Same charges as Foreign Currency Current Account
Foreign Currency Cash Conversion	If you wish to convert an amount in a foreign currency into another foreign currency, we will convert to S$ equivalent and then re-convert to the foreign currency at prevailing exchange rates.

DBS eMulti-Currency Autosave Plus Account / DBS Multi-Currency 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
Fall-below fee (if average daily balance <S$3,000)	Waiver of S$7.50 per month
Incidental overdraft interest charge on SGD balance	Prime + 5% p.a. payable on the overdrawn amount (min. S$20)
Minimum overdraft interest charge (for accounts with overdraft facility)	S$10
Early account closure fee (if account is closed within 6 months)	S$30
Deposits/Withdrawals in foreign currency	Same charges as Foreign Currency Current Account
Foreign Currency Cash Conversion	If you wish to convert an amount in a foreign currency into another foreign currency, we will convert to S$ 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 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
Fall-below fee (if average daily balance <S$3,000)	Waiver of S$7.50 per month
Incidental overdraft interest charge	Prime + 5% p.a. payable on the overdrawn amount (min. S$20)
Minimum overdraft interest charge (for accounts with overdraft facility)	S$10
Early account closure fee (if account is closed within 6 months)	S$30

Note:
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
Fall-below fee (if average daily balance <S$3,000)	Waiver of S$7.50 per month
Incidental overdraft interest charge	Prime + 5% p.a. payable on the overdrawn amount (min. S$20)
Minimum overdraft interest charge (for accounts with overdraft facility)	S$10
Early account closure fee (if account is closed within 6 months)	S$30

Note:
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:

Fall-below fee (if average daily balance < S$3,000)	Waiver of S$7.50 per month
Incidental overdraft interest charge	Prime + 5% p.a. payable on the overdrawn amount (min. S$20)
Minimum overdraft interest charge (for accounts with overdraft facility)	S$10
Early account closure fee (if account is closed within 6 months)	S$30

Note:
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:

Fall-below fee (if average daily balance <S$500)	Waiver of S$2 per month
Incidental overdraft interest charge	Prime + 5% p.a. payable on the overdrawn amount (min. S$20)
Early account closure fee (if account is closed within 6 months)	S$20

Note:
Fall-below fee is waived for customers up to 21 years old or 60 years old and above. POSB eSavings Account is no longer available.

POSB Everyday Savings Account

A savings account for your day-to-day banking needs.

Fees and charges:

Fall-below fee (if average daily balance <S$500)	Waiver of S$2 per month
Incidental overdraft interest charge	Prime + 5% p.a. payable on the overdrawn amount (min. S$20)
Early account closure fee (if account is closed within 6 months)	S$20

Note:
Fall-below fee is waived for customers up to 21 years old or 60 years old and above.

POSB eEveryday Savings Account

A savings account for your day-to-day banking needs and comes with eStatements.

Fees and charges:

Fall-below fee (if average daily balance <S$500)	Waiver of S$2 per month
Incidental overdraft interest charge	Prime + 5% p.a. payable on the overdrawn amount (min. S$20)
Early account closure fee (if account is closed within 6 months)	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

A savings account for your day-to-day banking needs, issued with a passbook.

Fees and charges:

Fall-below fee (if average daily balance <S$500)	Waiver of S$2 per month
Incidental overdraft interest charge	Prime + 5% p.a. payable on the overdrawn amount (min. S$20)
Early account closure fee (if account is closed within 6 months)	S$20

Note:
POSB Passbook Savings Account is no longer available. Fall-below fee is waived for customers up to 21 years old or 60 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
Fall-below fee (if average daily balance <S$1,500)	Waiver of S$2 per month
Incidental overdraft interest charge	Prime + 5% p.a. payable on the overdrawn amount (min. S$20)
Early account closure fee (if account is closed within 6 months)	S$30

Note:
POSB Current Account/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 account fee will be debited from the linked POSB Savings Account. POSB eCurrent Account is no longer available.

Updated as of June 2018

DBS Expat 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 Expat 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:

Fall-below fee (if average daily balance < S$5000)	Waiver of S$7.50 per month
Incidental overdraft interest charge on SGD balance	Prime + 5% p.a. payable on the overdrawn amount (min. S$20)
Minimum overdraft interest charge (for accounts with overdraft facility)	S$10
Early account closure fee (if account is closed within 6 months)	Waived
Deposits/Withdrawals in foreign currency	Same charges as Foreign Currency Current Account
Foreign Currency Cash Conversion	If you wish to convert an amount in a foreign currency into another foreign currency, we will convert to S$ 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 our range of Multi-Currency Autosave Accounts.

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
Fall-below fee (if average daily balance <S$5,000)	Waiver of S$7.50 per month
Incidental overdraft interest charge on SGD balance	Prime + 5% p.a. payable on the overdrawn amount (min. S$20)
Minimum overdraft interest charge (for accounts with overdraft facility)	S$10
Early account closure fee (if account is closed within 6 months)	Waived
Deposits/Withdrawals in foreign currency	Same charges as Foreign Currency Current Account
Foreign Currency Cash Conversion	If you wish to convert an amount in a foreign currency into another foreign currency, we will convert to S$ 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 Savings Account

A SGD savings account for salary credit and your day-to-day banking needs, packaged with a debit card, internet banking and eStatement.

Fees and charges:

Fall-below fee (if average daily balance <S$5,000)	Waiver of S$2 per month
Incidental overdraft interest charge on SGD balance	Prime + 5% p.a. payable on the overdrawn amount (min. S$20)
Early account closure fee (if account is closed within 6 months)	Waived

Note:
DBS Expatriate Savings Account is no longer available. Please consider DBS Multiplier Account or our range of MultiCurrency Autosave Accounts.

DBS Expatriate eAutosave Account

A SGD interest-earning chequeing account for salary credit and your day-to-day banking needs, packaged with a debit card, internet banking and eStatement.

Account fee	S$2 per month
Fall-below fee (if average daily balance <S$5,000)	Waiver of S$7.50 per month
Incidental overdraft interest charge	Prime + 5% p.a. payable on the overdrawn amount (min. S$20)
Minimum overdraft interest charge (for accounts with overdraft facility)	S$10
Early account closure fee (if account is closed within 6 months)	Waived

Note:
DBS Expatriate eAutosave 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
Fall-below fee (if average daily balance <S$5,000)	Waiver of S$7.50 per month
Incidental overdraft interest charge	Prime + 5% p.a. payable on the overdrawn amount (min. S$20)
Minimum overdraft interest charge (for accounts with overdraft facility)	S$10
Early account closure fee (if account is closed within 6 months)	Waived

Note:
DBS Expatriate eAutosave Plus Account is no longer available. Please consider our range of Multi-Currency Autosave Accounts.

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:

Fall-below fee (if average daily balance <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)
Early account closure fee (if account is closed within 6 months)	S$20

Note:
DBS Savings Plus – AF Account is no longer available. Please consider our range of Multi-Currency Autosave Accounts.

Updated as of June 2017

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
For tenor shorter than 1 month	S$1 million
For tenor of 1 month to 24 months	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 (S$50,000 for CNH deposit)
Deposits	Same charges as Foreign Currency Current Account
Withdrawals in
SGD	Converted at the prevailing buying exchange rate
Foreign currency notes	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.

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

Foreign currency notes

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:

USD	1.0%	AUD	2.0%
GBP	1.0%	HKD	2.5%
JPY	1.0%	Others	4.5%
EUR	1.0%

If account is in a currency different from the foreign currency notes deposited, or if it involves THB or IDR, the notes are converted to S$ equivalent and then re-converted to foreign currency funds at the prevailing exchange rates.

Withdrawals in

Converted at the prevailing buying exchange rate

Foreign currency notes

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 our range of Multi-Currency Autosave Accounts.

Updated as of June 2017

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

Share applications of IPOs using non-CPF funds	Waiver of S$5 fee per Cashier’s Order
Share applications of IPOs using CPF funds	Waiver of S$2 fee per Cashier’s Order
Other purposes	Complimentary for first party payment. Waiver of S$5 fee per Cashier’s Order for payment to third party
Other Charges
Postage charges	Where applicable
Stop payment charges	S$15 per Cashier’s Order

Demand Draft/Telegraphic Transfer

Handling Commission
Debit from account	1/8% (min. S$10, max. S$120) per transaction
Demand Draft debited from SGD account via iBanking	1/8% (min. S$5, max. S$120) per transaction
Telegraphic Transfer debited from SGD account/Multi-Currency Autosave via iBanking	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:
DBS Branches overseas via counter and iBanking	Waiver of 1/8% handling fees and commission-in-lieu of exchange
Other Charges for Telegraphic Transfer
Cable charges	S$20
Agent Bank charges	Where applicable
Cancellation/Stop payment charges	S$15 plus Cable and Agent Bank charges (where applicable) per transaction
Amendment charges	S$10 plus Cable and Agent Bank charges (where applicable) per transaction
Other Charges for Demand Draft
Stop payment charges	S$15 plus Cable and Agent Bank charges (where applicable) per transaction
Amendment charges	Complimentary
Cancellation charges	Complimentary
Standing Order for Telegraphic Transfer
One-time sign-up fee	S$20
Amendment fee	S$10

MEPS (MAS Electronic Payment System)

MEPS Payment

S$20 per payment

FAST (Fast And Secure Transfer)

Via counter	S$20 per payment
Via Internet Banking	Complimentary

Updated as of June 2017

The tables below show the standard fees charged by DBS Treasures for service provided to clients.

Debt Instruments

Market	Custody Fees	Transaction Fees
Equity Linked Notes	Waived	Waived
Singapore (bonds settled through CDP)	Waived
Other Bonds/Notes	0.20% per annum and subject to minimum of SGD100^* (payable semi-annually)

Commodity Investment Account

Account Fees for Commodity Investment Account
Gold	0.05% per annum (payable semi-annually)

Equities (Online Equity Trading)

Online Brokerage
Market	Online Rate
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% Stamp Duty: 0.5% applicable to buy trades	GBP 20^* USD 30^* EUR 25^*
Japan	0.25%	JPY 2000^*
Australia	0.25%	AUD 20^*

Disclaimer:

Account Fees (for Commodity Investment Account) and Custody Fees (for Equities and Debt Instruments) 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.
All fees and charges listed are exclusive of 7% Goods & Services Tax (GST).
Where “*” is indicated, the fees or charge will be subject to 7% GST, where applicable.

Market	Offline brokerage			Custody fees
Market	Contract value	Rate	Minimum charge	Custody fees
Singapore	<$100,000 of respective currency >=$100,000 of respective currency	0.50%	SGD 100^*	Waived
Hong Kong		0.35%	HKD 700^*	0.20% per annum and subject to minimum fee of SGD100^* (applicable to each market and payable semi- annually)
Canada	If price per stock >= CAD 10		CAD 150^*
	For contract value <CAD 100,000 For contract value >=CAD 100,000	1.00% 0.75%
	If price per stock < CAD 10, CAD 15 cents per share
United States Of America	If price per stock >= USD 10		USD 120^*
	For contract value <USD 100,000 For contract value >=USD 100,000	1.00% 0.75%
	If price per stock < USD 10, USD 15 cents per share
Malaysia	<MYR 100,000 >=MYR 100,000	0.75% 0.50%	MYR 350^*	Waived
Thailand	1.00%		THB 3,700^*	Waived
Japan	<JPY 10,000,000 >=JPY 10,000,000	1.00% 0.75%	JPY 13,000^*	0.20% per annum and subject to minimum fee of SGD100^* (applicable to each market and payable semi- annually)
Austria, Belgium, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Portugal & Spain	<EUR 100,000 >=EUR 100,000	1.00% 0.75%	EUR 95^*
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	1.00%		USD100^*

Investment Funds

Investment Funds

Money Market fund: Up to 2% of the notional amount of the trade.
Fixed Income fund: Up to 3% of the notional amount of the trade.
All other funds: Up to 5% of the notional amount of the trade.

Equity Placement

Equity Placement
(including Initial Public Offering)¹

Up to 1% of the allotment value

¹The Bank and/or its associates may additionally receive fee rebates and marketing sponsorship from the product issuer.

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.

Updated as of June 2017

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
Via counter	Waiver of S$30 per cheque (max. S$60)
Via Phone Banking	Waiver of S$15 per cheque (max. S$30)
Outward return cheque due to insuffi cient funds	S$40 per 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
Within 1 year of clearing date	Waiver of S$20 per copy
Between 1 and 3 years from clearing date	S$30 per copy
More than 3 years from clearing date	S$50 per copy
Clearing of Foreign Currency cheques
USD cheques cleared via Singapore USD Cheque Clearing System	Complimentary
Other cheques	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 fee will be automatically waived at the coin deposit machine for
- POSBkids Account until the child turns 16 years old for the first 1000 pieces*
- POSB Child Development Account

*Coin deposit fees will apply from the 1001 coin piece.

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	S$5
Of lost passbook/passcard	S$15
Of DBS iB Secure Device	S$20

Overseas ATM Cash Withdrawal

Treasures Debit Card

Waiver of S$5 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

Size	Dimensions (Length x Breadth x Height)	Annual Fee (Excluding GST)	Annual Fee (Including GST)
Medium	24” x 10” x 5”	S$1,088	S$1,164.16
Large	24” x 10” x 10”	S$1,288	S$1,378.16
Mini-Vault	Approximately 1.8m x 2m x 3m	S$18,888	S$20,210.16

DBS Treasures Service Fee

Treasures Service Fee

S$50 per month (charged if the month-end balance of account(s) under the DBS Treasures membership is below S$200,000)

Note:
Ending balance is computed based on total deposits/investments under the DBS Treasures membership.
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$50,000 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$50,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Updated as of June 2017

Monetary and Non-Monetary Benefits Schedule

Investment Products / Services – Monetary and non-monetary benefits receivable by DBS Bank Ltd. (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 benefi ts receivable or received by the Bank.

Section A: The Bank acting as principal and not as advisor or agent to the client¹

Type of Investment / Product	Monetary and/or non-monetary benefits receivable by the Bank and/or its associates²
Currency Linked Investment / Equity Linked Investment / Structured Investment Product³	Foreign Exchange (FX) related (All Tenors): - Up to half of the premium⁴ Non-FX related: - 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 beyond 3 years: Up to 4% of the notional amount of the trade.
OTC Derivatives Transactions⁵	Options: - Up to half of the premium⁶ Forwards, Futures & Swaps (excluding FX): - 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 beyond 3 years: Up to 4% of the notional amount of the trade.
Structured Notes (including Equity Linked Notes, Callable Notes, Currency Linked Notes, Interest Rate Linked Notes, Credit Linked Notes, other linked notes, etc.)⁷	- 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 beyond 3 years: Up to 4% of the notional amount of the trade.
Bonds / Fixed Income – (Rebates for Primary issuance)	Non-distressed Bond: - Tenor up to 5 years: Up to 2% of the notional amount of the trade. - Tenor beyond 5 years: Up to 3% of the notional amount of the trade. Distressed Bond (All Tenors):⁹ - Up to 5% of the notional amount of the trade.
Forward Foreign Exchange	- Notional amount of trade below SGD 50,000: Bank’s board rate - Notional amount of trade above SGD 50,000: Up to 1% of FX rate
Paper Gold	Up to 1% of the spot price of XAU.

Note:
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 premium refers to the amount received (or paid) when a product is sold (or bought) by the client. For structured products, the premium refers to the amount received by the client for the product sold plus the interest rate of deposit.
⁵ Benefits received by the Bank and/or any of its associates on the client’s purchase / sale of this product will vary depending upon a number of factors including but not limited to the notional amount, product tenor, market conditions, liquidity, etc.
⁶ The premium refers to the amount received (or paid) when an option is sold (or bought) by the client.
⁷ 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.
⁸ 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)”).
⁹ A distressed bond generally refers to a security of a company or a nation’s central bank that is (i) in default and/or the issuer of which is under bankruptcy protection, or (ii) in a distressed situation and at risk of default.

Section B: The Bank acting as agent and not as advisor or principal to the client

Type of Investment / Product	Monetary and/or non-monetary benefits receivable by the Bank and/or its associates¹⁰
Investment Funds¹¹	Up to 60% of the management fee receivable by the fund house¹²

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.

Section C: The Bank acting as referrer / distributor to the client

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 “Benefit 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:

The Bank is an affiliate of DBS Group Holdings Ltd. The Bank 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 the Bank having Chinese Wall policies.
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, if applicable, Premature Termination Costs (as defined in the Terms and Conditions) imposed in connection with the early termination of the product.

Updated as of June 2017

Pricing guide

Convenient Banking Anytime, Anywhere

Cash/Cheque Transactions

Cashless Convenience

DBS Multiplier Account

Other charges related to foreign currencies:

DBS Savings Account

DBS eMulti-Currency Autosave Account

DBS eMulti-Currency Autosave Account

DBS eMulti-Currency Autosave Plus Account / DBS Multi-Currency Account

DBS eMulti-Currency Autosave Plus Account / DBS Multi-Currency Account

DBS Multi-Currency Autosave Plus Account

DBS Multi-Currency Autosave Plus Account

DBS eAutosave Account

DBS eAutosave Plus Account

DBS Current Account

POSB eSavings Account

POSB Everyday Savings Account

POSB eEveryday Savings Account

POSB Passbook Savings Account

POSB Current Account/eCurrent Account

DBS Expat Programme

DBS Expat eMulti-Currency Autosave Account

DBS Expatriate eMulti-Currency Autosave Plus Account

DBS Expatriate Savings Account

DBS Expatriate eAutosave Account

DBS Expatriate eAutosave Plus Account

DBS Savings Plus - AF Account

Fixed Deposit Account

S$ Fixed Deposit Account

DBS Premier Income Account (for persons 55 years old and above)

DBS Foreign Currency Fixed Deposit Account

DBS Foreign Currency Current Account

DBS Foreign Currency Current Account

Inward Remittances

Demand Draft

Telegraphic Transfer

MEPS (MAS Electronic Payment System)

FAST (Fast And Secure Transfer)

Outward Remittances Cashier’s Order

Demand Draft/Telegraphic Transfer

MEPS (MAS Electronic Payment System)

FAST (Fast And Secure Transfer)

Debt Instruments

Commodity Investment Account

Equities (Online Equity Trading)

Investment Funds

Equity Placement

Other Charges

Cheque Charges

Coin Charges

Coin Exchange/Withdrawal (at branch)

Coin Deposit (at Branch)

Coin Deposit (via Coin Deposit Machine)

Cash Charges

Cash (Notes) Deposit (at branch)

>S$ Standing Instruction

Retrieval of Documents/Statements

Request

Replacement

Overseas ATM Cash Withdrawal

Securities Withdrawal

Banker’s Guarantee (BG)

Credit Card

DBS Treasures Exclusive Safekeeping Service

DBS Treasures Service Fee

Monetary and Non-Monetary Benefits Schedule

Investment Products / Services – Monetary and non-monetary benefits receivable by DBS Bank Ltd. (the “Bank”) and/or its associates

Section A: The Bank acting as principal and not as advisor or agent to the client1

Section B: The Bank acting as agent and not as advisor or principal to the client

Section C: The Bank acting as referrer / distributor to the client

Outward Remittances
Cashier’s Order

Section A: The Bank acting as principal and not as advisor or agent to the client¹