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higher returns and
enhanced yield

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Flexible tenures

Enjoy the flexibility of various tenures — from as short as one week to as long as a year — for easy liquidity of investments. Upon maturity, receive your principal plus interest earned in either the base currency or the alternate currency depending on the prevailing market rates.

Wide selection of currencies

Decide on a currency pairing (the base currency and an alternative currency for your investment) from a basket of currencies available such as the AUD, EUR, SGD, USD and many more. Earn higher returns from Dual Currency Investments by taking advantage of foreign currency performance.

How Dual Currency Investments work
Step 1

Place your principal as base currency

Step 2

Choose the second currency as your alternate currency

US Dollar (USD)*
Step 3

Choose the tenure of your investment – minimum tenure is 1 week and maximum tenure is 12 months

14 days*
Step 4

Select the Target Conversion Rate

Step 5

Interest rate payable for this investment

5% p.a.*

Scenario A

If the USD/SGD Prevailing Spot Rate is above 1.2720 at Expiry Date, Observation Trigger, 2:00 pm Singapore Time, no conversion takes place, you will receive your investment plus interest in original currency (SGD).

Scenario B

If the USD/SGD Prevailing Spot Rate is equal or below 1.2720 at Expiry Date, Observation Trigger, 2:00pm Singapore Time, conversion takes place, you will receive your investment plus interest in alternate currency (USD).
Dual Currency Investment Scenarios
*Note: In Scenario B, the proceeds have been converted into Alternative Currency at the Target Conversion Rate (1.2720). If the market exchange rate is USD/SGD 1.2650 at the time of reconversion to the Base Currency, the proceeds converted back to SGD will be: USD 78,767.12 X 1.2650 = SGD 99,640.41.
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Purchasing a Dual Currency Investment (“DCI”) gives RHB the right to repay you at a future date in an alternate currency that is different from the currency in which your initial investment was made, regardless of whether you wish to be repaid in the alternate currency at that time.

DCI are subject to foreign exchange fluctuations which may affect the return of your investment. Exchange controls may also be applicable to the currencies your investment is linked to. You may incur a loss on your principal sum in comparison with the base amount initially invested. DCI are subject to exchange controls applicable to the currencies linked to your investment. There may also be situations, due to reasons beyond RHB’s control (e.g. restrictions on convertibility of currency, exercise of government or military powers, war, strikes, etc.), where it is impossible, illegal or impracticable for RHB to convert the base currency into the alternate currency or deliver the maturity proceeds in the relevant currency to you. In such event, RHB may redeem the DCI prematurely and you may receive substantially less than the original investment amount. The market value of the DCI in these situations will be determined by RHB in its sole discretion, taking into consideration all relevant information (including the impracticality, illegality or impossibility) less the cost to RHB of unwinding any related underlying hedging arrangements (including but not limited to selling or otherwise realising any options, futures contracts in relation to the investment). DCI are not principal protected and is not an insured deposit for the purpose of Deposit Insurance and Policy Owners’ Protection Scheme Act 2011.

You may wish to seek advice from a financial adviser before making a decision to subscribe to the product. In the event that you choose not to seek advice from a financial adviser, you should consider carefully whether the product that you wish to purchase is suitable for you.

Risk disclosure

Structured Investments like Dual Currency Investments are subject but not limited to various risk factors including, Price and Market Risks, Country Risks, Liquidity and Market Disruption Risks, Currency Risks, Credit and Legal Risks, Options Risks, Mismatch Risks, Prepayment and Commitment Risks, Operational Risks, Counterparty Risks, Return Risks and Call Risks. You are taking on the credit risk of RHB with respect to all payments due under a Dual Currency Investment. Transfer Restrictions. The investment may not be transferred or assigned. Business Day Convention is Modified Following, ie. if the Maturity Date falls on a day that is not a Business Day, an adjustment will be made so that the Maturity Date will be the first following day that is a Business Day unless that day falls in the next calendar month, in which case that date will be the first preceding day that is a Business Day. Premature Upliftment/ Cancellation after Trade Date is highly discouraged. Investors may incur break-funding costs if the Investment is uplifted prior to Maturity Date, inclusive of days between Trade Date and Start Date. For more information on the features of the Dual Currency Investment, please refer to the relevant offering documents which can be obtained from RHB Branches, This document is intended for general circulation only and does not constitute an offer, invitation, recommendation or solicitation of any action based upon it.


The returns on your structured product investment will be affected by the performance of the underlying asset/reference, and the recovery of your principal investment may be jeopardised if you make an early redemption.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

MoneySENSE Guide

Before committing to a financial product, you are encouraged to read the ‘Understanding Financial Products’ by The Association of Banks in Singapore and MoneySENSE guide. Learn more

Important Notice

his advertisement has not been reviewed by the Monetary Authority of Singapore.