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What Are Dual Currency Investments?

Dual currency investments offer potential returns by leveraging the relative difference between two currencies. Investors can deposit money in one currency and withdraw it in another currency if the exchange rate is favourable, providing the potential for higher returns. However, converting the base currency to the alternate currency at maturity must result in a higher than market rate conversion. Dual currency investments come with risks, as unfavourable exchange rates could lead to a loss in profit upon maturity.

Why Invest in Dual Currency Investments?

CIMB Bank Singapore offers flexible dual currency investments for investors seeking higher returns on their cash holdings. Investors can select a maturity period and currency pair that best suits their needs, such as AUD, USD, CAD, EUR, JPY, among others. Converting SGD to AUD, for example, can be beneficial for investors planning to retire or send their child for education in Australia.

Features & Benefits

Range Of Currency Pairs Flexible Tenures Higher Returns
Range Of Currency Pairs
Flexible Tenures
Higher Returns


Residential Status

Singapore Citizens, Permanent Residents or non-residents with valid work passes


Age Requirement

21 years old and above


Minimum Subscription Amount

Minimum S$50,000 or equivalent in alternate currency

Extra Features

Important Notes & Disclaimer

The recommendation is intended for general circulation, and does not take into account the specific investment objectives, financial situation or particular needs of any person. You may wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.


a. By purchasing this dual currency investment you are giving the issuer of this product 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 this currency at that time.

b. Dual currency investments 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.


Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.


The information contained within is accurate at the time of printing, but we are not responsible if there are any errors or missing information. If the document becomes out of date, we do not have to replace it. We are not responsible for any direct or indirect loss or damage arising in connection with, or as a result of, any person acting on any information provided in this document. Please do not reproduce or share any of the information in this document without the written permission of CIMB Bank Berhad.


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

Explore CIMB’s Range of Investment Products

Besides dual currency investments, CIMB Bank Singapore also offers other investment products, such as unit trust funds, FX margin trading and more. Contact us to find out how you can start building your wealth with us now.