希望有機會獲得高於傳統定存的利率潛力？花旗銀行特惠帳戶—一項雙貨幣組合投資—值得您考慮。
通過經驗豐富的財務投資服務專員，花旗銀行以您熟悉的語言，免費提供最新市場資訊，使您得以進行最適合本身投資所需的決策。
特惠帳戶實際上和貨幣選擇權有關，使本行有權在期滿時以基本或次選幣別返還本息。您在花旗銀行特惠帳戶所獲得之部份或全數利息代表銀行就此權利支付您的貨幣選擇權權利金。
- 廣泛選擇幣別
- 靈活彈性選擇天期1週至6個月
- 有機會以您預先同意之匯率分散至您選擇的第二幣別
- 本行經驗豐富的財務投資服務專員以您熟悉的語言提供專業協助
Citibank Online提供優勢升級
- 每檔網路銀行開辦的特惠帳戶都獲得紅利利率*
- 檢視特惠帳戶部位
- 檢視通過網路下單之過往和即期/遠期特惠帳戶交易
- 設定/變更到期之特惠帳戶警示
- 檢視特惠帳戶利率
*僅限國際個人銀行客戶通過Citibank Online Investments開辦特惠帳戶始符合紅利利率資格。各檔交易相關利率將因交易金額、天期和履約價而異。優惠隨時可能終止，恕不另行通知。
4個簡單步驟進行投資
- 首先，選擇2個幣別，一個是基本幣別(通常是您開始投資的幣別)，另一則是次選幣別
- 選擇天期，自2週至6個月
- 廣泛幣別可供選擇：美元、日圓、澳幣、紐幣、歐元、英鎊、港幣、加幣、瑞士法郎與新元
- 到期時，以預定之匯率(履約價)計算，按何者為貶值幣別，獲付基本或次選幣別之一
適合何種投資人？
若符合以下情況，花旗銀行特惠帳戶或許適合：
- 希望獲得高於傳統定存利率，並對持有基本或次選幣別之一皆感安心。
- 正等待買入另一幣別以供投資、分散、商務或移民之用；或正計劃送子女留學海外。在獲得高於傳統定存的同時，也有機會以您同意的執行價買入次選幣別。
- 您的觀點是基本幣別將繼續貶值。若正確，更高的利率將緩衝不利的匯率走勢，並您更有可能以貶值的基本幣別獲付本息。
如何運作？
為協助您瞭解花旗銀行特惠帳戶如何運作，敬請撥冗閱覽以下說明。
| 選擇 基本幣別 | USD100,000 |
|---|---|
| 選擇 次選幣別 | AUD |
| 選擇 天期 | 1個月 |
|
選擇AUD/USD 履約價 |
0.8780(假設AUD/USD即期匯率為0.9030並您願意以預先同意之價位0.8780分散至AUD) |
| 利率 | 年息6.50%* |
| 利息所得 | USD541 |
| 狀況1 | 狀況2 | |
|---|---|---|
| 比價日匯率1 | USD貶值至0.9150 | USD升值至0.8680 |
| 返還幣別^ | 本息以美元支付 | 本息以澳幣支付 |
| 收到本金 + 利息 | USD100,541 | AUD114,511 (USD100,541/0.8780) |
* 以上數字僅供參考，美元特惠帳戶USD100,000以澳幣為次選幣別，履約價250點偏離2010年5月10日即期匯率，1個月天期。
1比價日為到期日2個營業日前，新加坡時間上午10時。
^ 請注意: 即期匯率若於比價日等於履約價，本行保留權利以基本幣別(USD100,541)或次選幣別(AUD114,511) 支付您本息。
在比價日，依據對比履約價之貶值貨幣，將決定您以基本幣別或次選幣別收到本金加利息。
若獲付次選幣別(AUD)，可考慮以下選項：
- 以澳幣為基本幣別開辦另一檔特惠帳戶。此舉提供機會將澳幣兌換回原本之基本幣別；或
- 存入澳幣定存
不過，在以上案例中，您須認知若選擇立即將澳幣兌換回美元，將因即期匯率不利而承受損失。
請點擊 
擴大，點擊 
縮小詳細說明。
- 只需聯繫您的理財經理或致電24小時花旗服務熱綫 +65 6224 5757+65 6224 5757。
- 如果您有進一步的疑問，請點擊 此 留言。
您將需要
- 最低US$50,000(或等值)
- 最低US$5,000(或等值)通過Citibank Online開辦特惠帳戶
Risks
A Premium Account is unlike a traditional bank account as it is an investment and returns may vary. Premium Accounts are subject to a number of risks:
FX Risk
- Risk of being converted to the alternate financial instrument. If you convert your alternate financial instrument back to the base financial instrument, you may have potential losses.
- Should the market move against you, you must be prepared to buy your alternate financial instrument at the agreed Strike Price, which would be less favorable than the prevailing exchange rate at the maturity of your Premium Account.
- There may be from time to time for certain financial instruments, controls that governments put in place to ban or restrict the amount of foreign financial instruments or domestic financial instruments that is allowed to be traded or purchased. Common types of exchange controls include banning the use of foreign financial instruments and restricting the amount of domestic financial instruments that can be exchanged within the country.
- The Bank may, at any time at its discretion, terminate the Premium Account. This may happen, for example, if restrictions on convertibility and transferability become applicable to any of the financial instruments in your financial instrument pair. In such cases, payment to you will be made in the alternate financial instrument in your financial instrument pair or another financial instrument chosen by the Bank. You may incur a loss on the principal amount invested in such cases.
Liquidity Risk
- Pre-termination of the Premium Account is strongly discouraged and may incur substantial costs.
- Early withdrawal of the whole of a Premium Account is permitted but strongly discouraged, because you will have to pay early termination charges and these charges will be deducted from the amount repaid under the Premium Account.
- Some of the factors used in calculating such charges include the exchange rate for the financial instrument pair, the prevailing interest rate and the remaining term of the Premium Account. As a result, the amount repaid to you may be less than the principal amount invested.
* The above is only a summary of some of the key risks in investing in the product. Detailed risk disclosures are set out in the documentation relating to the specific product. Prior to entering into a transaction, you should ensure that you have read and understood the nature of all of the risks associated with the investment in order to determine whether the investment is suitable for you in light of your experience, objectives, financial position and other relevant circumstances. You should consult with your legal, regulatory, tax, financial and/or accounting advisors to the extent you consider it necessary in making your own investment decision.
