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Fixed Deposit

3.75% vs 4.80% — the split

Standard Chartered FD Promotion 2026: 3.75% Plain vs 4.80% With a CASA Split — Which Pays More?

RaymondRates.my4 min read

Standard Chartered has two live fixed deposit deals running at once. The plain 12-month promo pays up to 3.75% p.a. to anyone who qualifies. A bundle version headlines 4.80% — but only if you split your money 80:20 between the deposit and a current account.

3.75%
Top rate — plain FD
Priority Private, 12-month only
4.80%
Top rate — CASA bundle
on 80% of your funds only
1.05pp
Gap between the two top rates
4.80% bundle vs 3.75% plain

The plain FD: 3.60% or 3.75%, no bundling

MetricPriority BankingPriority Private
Rate (12 months)3.60% p.a.3.75% p.a.
EligibilityNew-to-Priority, or RM200k Wealth AUMUpgrade to Priority Private, or RM200k wealth purchase
Min / max placementRM60,000 / RM1,000,000
Funds requiredFresh funds only
Campaign ends30 September 2026
  • Priority Private's higher tier needs a wealth purchase — Priority Banking's rate only needs assets already sitting at the bank.
  • Fresh funds only, capped at RM1,000,000 per client on the plain 12-month deal.
  • Both tiers run on a 12-month term only — no other tenure is offered on this campaign.
A man in a business shirt signing a document with a pen at a desk
Both tiers land in the same place on maturity: Standard Chartered's ordinary board rate, 2.05% p.a. for 12 months. · Photo: Unsplash

The bundle pays more — but only on 80% of your money

PLAIN FD vs CASA-SPLIT BUNDLE0%1%2%3%4%5%3.60%PriorityBanking3.75%PriorityPrivatePlain FD4.50%Allclients4.80%PriorityPrivateBundle (80:20 split)
Shared 0–5% scale across every bar. The bundle bars are taller, but the rate applies to 80% of the placement only — the other 20% sits in a current account.
TierRate (FD/TD-i portion)Requirement
All clients4.50% p.a.None — capped at RM300,000
New to Priority Banking / maintain AUM4.50% p.a.RM200,000 Wealth AUM
New to Priority Private / wealth purchase4.80% p.a.RM200,000 wealth purchase
  • Only 80% of your money earns the bundle rate — the rest sits in a current account.
  • No wealth purchase is needed for the bundle's base tier — a step down from the plain FD's rules.
  • Minimum placement doubles to RM100,000 for the bundle — the plain FD needs just RM60,000.

See Standard Chartered's full FD rate table on Rates.my, or check where these rates land in our own FD Rate Index.

What to watch

  • 30 Sep 2026Both the plain FD and the CASA-split bundle close, or Standard Chartered renews for a new cycle.
  • Any OPR changeStandard Chartered can reprice either campaign mid-cycle if Bank Negara moves the OPR.
  • Your maturity dateBoth revert to Standard Chartered's ordinary board rate — currently 2.05% p.a. for 12 months — not the promo one.
Not financial advice. This is general information based on Standard Chartered Malaysia's own promotional pages as at 15 August 2026. It is not a recommendation to open any account, and Rates.my does not issue price targets or rate forecasts. Confirm the current terms with Standard Chartered before applying — campaign rates and thresholds can change.

Sources & further reading

Ready to act on this?

See Standard Chartered's full FD rate table

Keep reading

Fixed DepositOCBC FD Promotion 2026: 3.75% for Anyone vs 4.28% for Premier Clients — Is the Wealth Bundle Worth RM2,000?Fixed DepositCIMB eFD-i Campaign August 2026: 3.40%–3.65% p.a. Across Four Tenures — What Actually Changed From JulyFixed DepositAlliance Bank FD Promotion 2026: Sri Petaling Pays Up to 4.38%, Bangsar Pays a Flat 4.08% — Here's Who Actually Wins

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This article is general information, not personalised financial advice. Rates.my is not a licensed financial adviser — always verify rates with the institution and consider your own circumstances.

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