RHB

Dual Currency Investment (DCI) is a type of foreign exchange linked structured product investment. DCI is a structured product with an embedded derivative (the Reference Derivative) linked to the performance of a pair of currencies which allows Investor to enjoy potentially higher returns than traditional deposits.

Prior to making an investment you will need to decide on the currency pair which shall be the Base (investment) Currency and the Alternate Currency, the tenor of the investment and the Conversion Rate. On maturity, you will receive the initial investment amount either in the Base Currency or the Alternate Currency depending on where the prevailing exchange rate of the currency pair settles against the Conversion Rate on the Expiry Date.

The Base Currency refers to the currency in which the initial Investment is made and Alternate Currency is the second currency of the chosen currency pair to be paired with the Base Currency for the DCI.

The initial investment will always be repaid in the weaker currency as determined on the Expiry Date. Regardless of the currency in which the initial investment amount is returned to you, the interest payable on the DCI will always be paid in the Base Currency. If the prevailing exchange rate is equal to the Conversion Rate on the Expiry Date, the Bank has the sole discretion to determine the currency in which the initial investment amount will be repaid.

DCI is not a principal protected investment.

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WARNING
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.
THIS STRUCTURED PRODUCT INVESTMENT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.

Dual Currency Gold Investment ("DCI Gold") is a gold and foreign currency linked structured product investment. This structured product has an embedded derivative (the Reference Derivative) that is linked to the performance of gold measured against a selected foreign currency offered by the Bank. Gold is internationally quoted as "XAU", which is the price of 1 Troy Ounce of gold in the particular foreign currency (e.g. "XAU/USD" means the price of 1 Troy Ounce of gold in US Dollars). The RHB Multi Currency Account ("MCA") includes gold as a currency in the MCA Gold Investment Account (MCA Gold IA) and any amount paid in gold under the terms of the particular DCI Gold will be credited into the MCA Gold IA. Investors should take note that there will be no entitlement for physical delivery of gold notwithstanding a credit balance in the MCA Gold IA.

Prior to making an investment, the Investor will need to decide on the currency pair which shall be the Base (Investment) Currency and the Alternate Currency, the Tenor of the investment, and the Conversion Rate. The Base Currency refers to the currency in which the initial investment is made and Alternate Currency is the second currency to be paired with the Base Currency for the DCI Gold. For example, if the Investor chooses gold as their Base Currency, the Alternate Currency will be foreign currency and vice versa. On the Start Date, the initial Investment Amount will be debited from the Investor´s MCA or MCA Gold IA.

On the Maturity Date, the initial Investment Amount will be paid in either gold or foreign currency, depending on which is the weaker currency based on the prevailing Spot Rate at 2pm KL time on the Expiry Date. Regardless of whether the initial investment is paid in either gold or foreign currency to the Investor, the interest payable on the DCI Gold will always be paid in the foreign currency. If the Spot Rate is equal to the Conversion Rate on the Expiry Date, the Bank has the sole discretion to determine the currency in which the initial Investment Amount will be repaid.

DCI Gold is not a principal protected investment.

Click here for Redemption at Maturity

WARNING
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.
THIS STRUCTURED PRODUCT INVESTMENT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.


One-Touch Structured Investment ("One-Touch") is a principal-protected investment with an embedded reference derivative. The performance of the embedded derivative will determine the interest payable for the Investment. At the inception of the Investment, the Investor agrees to the underlying currency pair for the One-Touch and the 'Trigger Rate'. The Trigger Rate which is a fixed upfront is the exchange rate of the currency pair which determines whether the Investor will receive the minimum or maximum interest on the Maturity Date. If the Spot Rate of the currency pair touches or equals to the Trigger Rate at any point in time during the Observation Period, the Investor will receive the Maximum Interest Rate. Otherwise, the Minimum Interest Rate will be paid to the Investor. The Observation Period for the One-Touch starts from the Trade Date and continues 24 hours each day until 2pm KL time on the Expiry Date. Please take note that the Minimum Interest Rate can be zero depending on the terms of the particular One-Touch Investment.

The initial Investment Amount is protected only if the investment is held until maturity.

This structured product investment is insured by Perbadanan Insurans Deposit Malaysia (PIDM).

Click  here for Redemption at Maturity

WARNING
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.


Double No-Touch Structured Investment ("Double No-Touch") is a principal-protected investment with an embedded reference derivative. The performance of the embedded derivative will determine the interest payable for the investment. At the inception of the investment, the Investor agrees to the underlying currency pair for the Double No-Touch and the "Range". The Range which is fixed upfront is a set of exchange rates of the currency pair which forms the upper and lower limit for the Double No-Touch. The Range determines whether the Investor will receive a Minimum or Maximum Interest Rate on the Maturity Date. If the Spot Rate of the currency pair stays within the Range (i.e. lower limit < Spot Rate < upper limit) at all times during the Observation Period, the Investor will receive the Maximum Interest Rate. If the Spot Rate of the currency pair equals to the upper or lower limit (OR moves outside of the Range i.e. Spot Rate ≥ upper limit OR Spot Rate ≤ lower limit) at any time during the Observation Period, the Investor will receive the Minimum Interest Rate. The Observation Period for the Double No-Touch starts from the Trade Date and continues 24 hours each day during the Tenor of the Double No-Touch until 2pm KL time on Expiry Date. Please take note that the Minimum Interest Rate can be zero depending on the terms of the particular Double No-Touch Investment.

The initial Investment Amount is protected only if the investment is held until maturity.

This structured product investment is insured by Perbadanan Insurans Deposit Malaysia (PIDM).

Click here for Redemption at Maturity

WARNING
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.


Digital Option Structured Investment ("Digital Option") is a principal-protected investment with an embedded reference derivative. The performance of the embedded derivative will determine the interest payable for the investment. At the inception of the investment, the Investor agrees to the underlying currency pair for the Digital Option and the 'Trigger Rate'. The Trigger Rate which is fixed upfront is the exchange rate for the currency pair which determines whether the Investor will receive a minimum or maximum interest on the Maturity Date. The terms of the particular Digital Option may provide for a Trigger Rate which is either higher than or lower than the Spot Rate on the Trade Date. If the Trigger Rate is fixed upfront as higher than the Spot Rate on the Trade Date, the Investor will receive the maximum interest rate if the Spot Rate at 2pm KL time on Expiry Date is higher than the Trigger Rate. Otherwise, the minimum interest rate will be paid to the Investor. If on the other hand, the Trigger Rate is fixed upfront as lower than the Spot Rate on the Trade Date, the Investor will receive the maximum interest rate if the Spot Rate at 2pm KL time on Expiry Date is lower than the Trigger Rate. Otherwise, the minimum interest rate will be paid to the Investor. In either case if the Spot Rate at 2pm KL time on the Expiry Date is equal to the Trigger Rate, the minimum interest rate will be paid to the Investor. Please take note that the minimum interest rate can be zero depending on the terms of the particular Digital Option

The initial Investment Amount is protected only if the investment is held until maturity.

This structured investment is insured by Perbadanan Insurans Deposit Malaysia.(PIDM)

Click here for Redemption at Maturity

WARNING
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.


Call Spread Structured Investment ("CSSI") is a principal-protected investment with embedded derivatives. The performance of the embedded derivatives will determine the interest payable for the investment. At the inception of the investment, the Investor agrees to the underlying currency pair, the Strike Rates and the Tenor. The Strike Rates are pre-determined exchange rates of the currency pair.

CSSI has two Strike Rates, the Upper Strike Rate and Lower Strike Rate. If the Fixing Spot Rate (the prevailing exchange rate of the currency pair at 2pm KL time) is equal to or more than (>) the Upper Strike Rate, the Investor will receive the Maximum Interest Rate on maturity. If the Fixing Spot Rate of the currency pair is equal to or less than (<) the Lower Strike Rate, the Investor will receive the Minimum Interest Rate on maturity. The CSSI also provides the Investor with participation in the strengthening of the chosen currency in the currency pair whereby if the Fixing Spot Rate of the currency pair is above (>) the Lower Strike Rate but below (<) the Upper Strike Rate, the Investor will receive interest at a rate which is more than the Minimum Interest Rate but less than the Maximum Interest Rate based on a fixed formula.

The Interest payable for the CSSI will be determined based on the Fixing Spot Rate of the currency pair at 2pm KL time on the Expiry Date. Please take note that the Minimum Interest Rate could be zero based on the terms of the particular CSSI.

This structured investment is insured by Perbadanan Insurans Deposit Malaysia.

Click here for Redemption at Maturity

WARNING
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.

Put Spread Structured Investment ("PSSI") is a principal-protected investment with embedded derivatives. The performance of the embedded derivatives will determine the interest payable for the investment. At the inception of the investment, the Investor agrees to the underlying currency pair, the Strike Rates and the Tenor. The Strike Rates are pre-determined exchange rates of the currency pair.

PSSI has two Strike Rates, the Upper Strike Rate and Lower Strike Rate. If the Fixing Spot Rate (the prevailing exchange rate of the currency pair at 2pm KL time) is equal to or less than (<) the Lower Strike Rate, the Investor will receive the Maximum Interest Rate on maturity. If the Fixing Spot Rate of the currency pair is equal to or more than (>) the Upper Strike Rate, the Investor will receive the Minimum Interest Rate on maturity. The PSSI also provides the Investor with participation in the weakening of the chosen currency in the currency pair whereby if the Fixing Spot Rate of the currency pair is above (>) the Lower Strike Rate but below (<) the Upper Strike Rate, the Investor will receive interest at a rate which is more than the Minimum Interest Rate but less than the Maximum Interest Rate based on a fixed formula.

The Interest payable for the PSSI will be determined based on the Fixing Spot Rate of the currency pair at 2pm KL time on the Expiry Date. Please take note that the Minimum Interest Rate could be zero based on the terms of the particular PSSI.

This structured investment is insured by Perbadanan Insurans Deposit Malaysia.

Click here for Redemption at Maturity

WARNING
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.

Foreign Exchange Range Accrual Structured Investment ("FX-Range Accrual") is a principal protected investment with an embedded derivative. At the inception of the investment, the Investor agrees to the underlying currency pair and its Range. The Range which is fixed upfront is a set of exchange rates of the currency pair which forms the upper and lower limit for the FX-Range Accrual. The performance of the underlying currency pair will be determined on a daily basis during the Observation Period. The Interest payable on the investment will be paid on each Interest Payment Date determined by the actual number of days the Spot Rate of the underlying currency pair is within the Range (i.e. Lower Limit ≤ Spot Rate ≤ Upper Limit) for each Observation Period.

If the Spot Rate stays within the Range every day of the Observation Period, the Investor will receive the Maximum Interest Rate. If the Spot Rate stays outside the Range every day during the Observation Period, the Investor will receive the Minimum Interest Rate. If the Spot Rate moves within and outside of the Range during the Observation Period, the Investor will receive a Participating Interest Rate which is more than the Minimum Interest Rate but lower than the Maximum Interest Rate based on the total number of days the Spot Rate stays within the Range during the Observation Period.

Depending on the terms of the particular FX-Range Accrual, it may include a Callable feature which gives RHB Bank the right to terminate the FX-Range Accrual on any Interest Payment Date prior to the Maturity Date and return the initial Investment Amount together with any interest due up to the Call Date to the Investor.

The initial Investment Amount is protected only if the investment is held until maturity or in the event of a Call prior to maturity.

This structured investment is insured by Perbadanan Insurans Deposit Malaysia.

Click here for Redemption at Maturity

WARNING
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.

Interest Rate Range Accrual Structured Investment ("IR-Range Accrual") is a principal protected investment with an embedded derivative. At the inception of the investment, the Investor agrees to the Reference Interest Rate and its Range. The Reference Interest Rate can be based on any interest rate index (such as 3 month KLIBOR, 6 month SIBOR or other reference index) and the Range is the upper and lower limit for the movement of interest rates of the chosen index during the tenor of the investment. The performance of the Reference Interest Rate will be determined on a daily basis during the Observation Period. The Interest payable on the investment will be paid on each Interest Payment Date determined by the actual number of days the Reference Interest Rate stays within the Range (Lower Limit ≤ Reference Interest Rate ≤ Upper Limit) for each Observation Period.

If the Reference Interest Rate stays within the Range every day of the Observation Period, the Investor will receive the Maximum Interest Rate. If the Reference Interest Rate stays outside the Range every day during the Observation Period, the Investor will receive the Minimum Interest Rate. If the Reference Interest Rate moves within and outside of the Range during the Observation Period, the Investor will receive a Participating Interest Rate which is more than the Minimum Interest Rate but lower than the Maximum Interest Rate based on the total number of days the Reference Interest Rate stays within the Range during the Observation Period. Please take note that the Minimum Interest Rate can be zero depending on the terms of the particular IR-Range Accrual.

Depending on the terms of the particular IR-Range Accrual, it may include a Callable feature which allows RHB Bank the right to terminate the IR-Range Accrual on any Interest Payment Date prior to the Maturity Date and return the initial Investment Amount together with any interest due up to the Call Date to the Investor.

The initial Investment Amount is protected only if the investment is held until maturity or in the event of a Call prior to maturity.

This structured investment is insured by Perbadanan Insurans Deposit Malaysia.

Click here for Redemption at Maturity

WARNING
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.