The following are the base interest rates on foreign currency time deposits.

Applicable interest rate may differ depending on transaction channels, transaction currencies and deposit terms.
Please confirm applicable interest rate when you make a transaction.

Foreign Currency/Deposit Type 1 week 2 week 1 month 3 month 6 month 7 month 9 month 1 year 2 year 3 year 5 year
US Dollar
Australian Dollar
New Zealand Dollar
British Pound
Canadian Dollar
Euro
Swiss Franc
Singapore Dollar
Hong Kong Dollar
Chinese Yuan Offshore
Thai Baht
South African Rand
Turkish Lira
Mexican Peso
Norwegian Krone
Swedish Krona
Danish Krone

update

When you start a foreign currency time deposit, an add-on interest rate is added to the base interest rate depending on the amount you deposit. If you begin an eligible foreign currency time deposit with Yen funds, an add-on interest rate "ENJOY PLUS" is added to the base interest rate until the first maturity date.
Please choose and click on the option below to see how the add-on interest rates apply on certain foreign currencies and deposit types.

  • Currency Traded:

      With ENJOY PLUS, if a foreign currency time deposit is made with Yen funds, an add-on interest rate will be added on to the base rate offered by SMBC Trust Bank until the first maturity date.

    Applied add-on interest rates when the deposit amount is more than or equal to 20 million yen equivalent. Deposit may be made in either yen funds or Foreign Currency.

    Please choose and click on the options above to see how the additional interest rates apply on certain foreign currencies and deposit types.

    For transactions, higher interest rate between ENJOY PLUS and Add-on Interest Rate by deposit amount will be applied.
    Please confirm applicable interest rate when you make a transaction.
Foreign Currency/Deposit Type 1 week 2 week 1 month 3 month 6 month 7 month 9 month 1 year 2 year 3 year 5 year
US Dollar
Additional Interest RateENJOY PLUSTotal Interest Rate
-------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
Australian Dollar
Additional Interest RateENJOY PLUSTotal Interest Rate
-------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
New Zealand Dollar
Additional Interest RateENJOY PLUSTotal Interest Rate
-------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
British Pound
Additional Interest RateENJOY PLUSTotal Interest Rate
-------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
Canadian Dollar
Additional Interest RateENJOY PLUSTotal Interest Rate
-------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
Euro
Additional Interest RateENJOY PLUSTotal Interest Rate
-------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
Swiss Franc
Additional Interest RateENJOY PLUSTotal Interest Rate
-------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
Singapore Dollar
Additional Interest RateENJOY PLUSTotal Interest Rate
-------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
Hong Kong Dollar
Additional Interest RateENJOY PLUSTotal Interest Rate
-------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
Chinese Yuan Offshore
Additional Interest RateENJOY PLUSTotal Interest Rate
-------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
Thai Baht
Additional Interest RateENJOY PLUSTotal Interest Rate
-------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
South African Rand
Additional Interest RateENJOY PLUSTotal Interest Rate
-------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
Turkish Lira
Additional Interest RateENJOY PLUSTotal Interest Rate
-------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
Mexican Peso
Additional Interest RateENJOY PLUSTotal Interest Rate
-------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
Norwegian Krone
Additional Interest RateENJOY PLUSTotal Interest Rate
-------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
Swedish Krona
Additional Interest RateENJOY PLUSTotal Interest Rate
-------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
Danish Krone
Additional Interest RateENJOY PLUSTotal Interest Rate
-------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------

update

Notice

  • *ENJOY PLUS is not applied to foreign currency time deposits made in the following currencies:

British Pound | Swiss Franc | Singapore Dollar | Hong Kong Dollar | Chinese Yuan Offshore | Thai Baht | South African Rand | Turkish Lira | Mexican Peso | Norwegian Krone | Swedish Krona | Danish Krone

  • *Add-on interest rates based on the deposit amount are not applicable for foreign currency time deposits made in the following currencies:

Euro | Swiss Franc | Singapore Dollar | Hong Kong Dollar | Chinese Yuan Offshore | Thai Baht | Turkish Lira | Mexican Peso | Swedish Krona | Danish Krone

Foreign Currency Time Deposit Interest Rates

  • Above interest rates are annual pretax interest rates. In principle, interest is subject to a 20.315% withholding tax (National tax 15.315% and Local tax 5%) for individual customers. Comprehensive income taxation applies to corporate customers. The tax rate etc. may change in the future due to reasons such as revision of tax laws.
  • Interest rates are changed according to market fluctuation and are subject to change without notice at any time.
  • In the case of auto-renewal, the interest rate for the same Foreign Currency Time Deposit term and the currency on offer on each maturity date shall apply. When auto-renewal does not apply, the savings interest rate of the account to which the maturity funds are credited to will apply on and after the maturity date.

Add-on Interest Rates

  • When you start a time deposit with ENJOY PLUS via online banking or PRESTIA Phone Banking Automated Voice Guidance Service (0120-110-330), please make a deposit by transferring funds directly from your Yen Savings Account or PRESTIA MultiMoney Yen Savings Account. Please note that if you use funds in your Foreign Currency Savings Account in order to start a time deposit in the same foreign currency, add-on interest rates are not applied to your time deposit.
  • ENJOY PLUS add-on interest rates apply only to individual customers. PRESTIA GOLD customers may receive an even higher add-on interest rate as "ENJOY PLUS Gold".
  • Add-on interest rates might be revised without notice due to changes in the market environment, among other reasons.

Notice

  • Deposits in foreign currencies have country risks such as fluctuations in foreign currency rates, decreased liquidity, and the possibility for dysfunction in foreign exchange markets caused by changes in economic and political situations, as well as changes in regulations, etc. Certain transactions may also be restricted, such as a restriction on the withdrawal of deposits.
    Particularly, emerging-market currencies such as South African Rand (ZAR), Chinese Yuan (CNY), Turkish Lira (TRY), Mexican Peso (MXN), etc. have higher risk than currencies of developed countries. With regard to currency exchange, deposits, withdrawals, etc., such transactions may be restricted due to changes in regulations, etc.
    Furthermore, emerging-market currencies carry the risk of a high level of fluctuations in foreign currency rates due to the economic and political situation of countries which issue the currencies.
    Before transacting in emerging-market currencies, please be sure that you understand that transactions in these currencies have a relatively higher risk compared to transactions in the currencies of developed countries.
  • There is no risk of a loss of principal in the deposited foreign currency, but the Yen-equivalent value of the deposited foreign currency amount may rise and fall due to FX fluctuations (foreign currency risk). The rate at which yen is converted into foreign currency (TTS rate) and vice-versa (TTB rate) each includes a foreign exchange commission set by SMBC Trust Bank. As a result, the amount in yen, including interest, that you receive may be smaller than the amount in yen at the time of deposit, resulting in a loss of principal, unless the yen depreciates against the foreign currency by a margin that exceeds the foreign exchange commission, and not only in the case that the yen appreciates against the foreign currency.
  • The rate at which Yen is converted to another currency (TTS rate) and the rate at which a foreign currency is converted to Yen (TTB rate) each include the foreign exchange commission prescribed by SMBC Trust Bank (e.g. 1 yen for conversion to or from 1 US dollar; 2 yen for conversion to and from 1 US dollar).
  • Foreign Currency Cash Handling Charge : When you deposit or withdraw US dollar or Euro in cash, the Foreign Currency Cash Handling Charge (2 yen per US dollar/3 yen per Euro) will be applied.
  • Because other commissions for fund transfer etc. differ according to conditions in transactions, we can't show information about them beforehand.
  • Please inquire at a branch or via PRESTIA Phone Banking or see the Service Fee List for more information about each commission.
  • Cancellation of "Foreign Currency Time Deposit" is not allowed before maturity, including those that have rolled over automatically, except that SMBC Trust Bank determines cancellation is unavoidable. In the event that cancellation is determined unavoidable, depositor may be required to pay settlement fee due to changes in financial circumstances, etc. "Step Up Time Deposit" can be cancelled after the first 6 months from the date of deposit.
  • Foreign currency deposits are not covered by any deposit insurance.
  • For transactions in ZAR, CNY, TRY, MXN, etc., the conditions may be restricted (the timing of deposits, withdrawals, etc.). During Market contingency etc. which SMBC Trust Bank regards it as necessary, transactions in foreign currencies may be suspended without prior notice.
  • SMBC Trust Bank handles Chinese Yuan offshore only and uses `CNY' to denote RMB(Renminbi) funded in the offshore market, based on the currency code used on the global settlement system, while onshore RMB circulates on Mainland China.
  • Information Memorandums and Pre-Contract Documents for deposit products are available at our branch or by mail for detailed product specification. For details, please ask our staffs or call to PRESTIA Phone Banking (0120-110-330).