From 10 April 2017, any new subscription to a Dual Currency Investment Product with a maturity date after 30 June 2017 will end.

Investment product is not a deposit, the product carries risk, investor should act prudently.

Dual Currency Investments Variant Products

Opportunity for potential higher returns

If you would like to take advantage of foreign exchange movements and potentially earn a higher rate of return compared to a regular deposit, you may wish to consider investing in a Dual Currency Investment Variant Product with us.

Features at glance

Enjoy the many benefits of a Dual Currency Investment

Categories of DCI Variant Products


DCI Variant Product Introduction

  • DCI Variant Products are not traditional deposits
  • DCI Variant Products are short-term investment products for investors with exposure to two currencies. It is a non-principal protected investment product.
  • When you invest in a DCI Variant Product, you need to decide the investment amount, the investment tenor, strike price, barrier(if any) and another alternate currency that you are comfortable receiving your investment in. A part or all of the return that you will receive represents the premium for the option that you sold to the bank.
  • You can earn an enhanced yield and at maturity, the Principal Amount and Return Amount will be paid in either the Investment Currency or the Alternate Currency (an Alternate Currency pre-defined by you), converted at the pre-selected foreign exchange ("Strike") rate.
  • You may select any of the major tradable currencies offered by our bank, in which you hold a natural exposure and which you are comfortable to hold in the future.

Dual Currency Variant Products are suitable for those:

  • Seeking potential higher returns than a regular deposit product and being able to bear the possible principal losses.
  • Who are indifferent to receiving their Principal Amount and Return Amount in either the Investment Currency or the Alternate Currency at maturity, and having specific market view on the foreign exchange.
  • Who may have potential needs for the Alternate Currency because they:
    • have business investments
    • are pursuing an overseas education
    • have investment properties and housing loans in the Alternate Currencies
  • You should understand the risks inherent in the Underlying and possess the relevant investment experience.


Contact our Relationship Manager to set up an appointment today, who will cover the following:

  • Understand your current financial position, and your risk appetite.
  • Explain the product in more details, including product features and risks.
  • Help you to read, understand and sign the Structured Investment Agreement and the General Risk Disclosure Statement.
  • Assist you to read, understand and sign the Term Sheet.
  • If you do not already have one, help you open an ANZ China Personal Deposit Account. This requires your National ID/Passport.


Note: This document is prepared in both Chinese and English. The Chinese version shall prevail in case of any discrepancy between the two language versions.


Principal Risk:

  • A Dual Currency Variant Product is a non-principal protected investment product but not a traditional deposit, and should not be treated as a substitute for a traditional deposit.

Liquidity Risk:

  • Any early withdrawal or early termination of this product by you before maturity is not permitted.

Foreign Exchange Risk:

  • A Dual Currency Variant Product is subject to foreign exchange fluctuations which may affect the principal and the return on your investment.
    You may be exposed to foreign exchange risk as the Investment Currency may not be your preferred home currency of choice. You may incur potential foreign exchange losses if you convert the Investment Currency or Alternate Currency at maturity back to your preferred home currency.Foreign exchanged controls may be imposed by the country issuing the foreign currency from time to time and may delay or prevent the repayment of the Principal Amount and Return Amount to you.
  • The investment decision is yours but you should not invest in the Dual Currency Variant Product unless you are satisfied that you understand the investment nature, sought independent financial advice and /or you have determined that the product is suitable for you taking into account your financial situation, risk appetite, investment experience and investment objectives.

Click to view Disclaimer.

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.