Dual Currency Investment
Want potentially higher returns than fixed deposit? Dual Currency Investment (DCI) can prove more rewarding for you. It is a short-term Currency Linked Structured Investment that offers you the flexibility of selecting

  • the currency pair of your choice
  • tenure
  • target conversion rate
for guaranteed enhanced returns upon maturity.

Here's how DCI works:
Assuming you place RM300,000 as your base currency in DCI for 30 days and choose AUD as the alternate currency. If the spot rate for AUD/MYR is 3.2500 and your target conversion rate is 3.2400, you will receive an enhanced return of 8% per annum upon maturity
Scenario 1*
AUD/MYR is 3.2450
(above target conversion rate)
You will receive your principal and enhanced return in MYR = RM300,000 + RM1,972.60
Scenario 2*
AUD/MYR is 3.2350

(below target conversion rate)
You will receive your principal in AUD (converted at the target conversion rate) and enhanced return in MYR = AUD92,592.59 + RM1,972.60

* For illustrative purposes only


  • Potentially higher returns than traditional fixed deposits
  • The flexibility of selecting base & alternate currencies, tenure and target conversion rate
  • Enhanced returns as promised
  • Short tenure of one to six weeks
  • No sales charge and annual management fee


  • Credit Risk arises should Alliance Bank Malaysia Berhad default and become unable to perform its payment obligation to you when it is due.
  • Market Risk occurs when the investment value is affected by changes in interest rates, foreign exchange rates, equity prices etc.
  • Currency Risk happens when the investment currency is different from your home currency.


Suitable for those who
  • Looking for significant yield enhancement and are prepared to accept repayment of principal on maturity in the chosen alternate currency at the target conversion rate
  • Who are indifferent or comfortable holding the investment or the alternate currency
  • Who have the potential need for the alternate currency such as having school-going children abroad, overseas business interests etc.
  • Who seize the opportunity of higher interest rates to buffer against a fall in value of the holding currency


Get Dual Currency Investment today!
Fill in this Product Enquiry form and
our Authorised Bank Officer will contact you.

By Phone or Face to Face

We'd like to hear from you!
Give us a call at 03-5516 9988or
visit us at the nearest Alliance Bank branch.
Disclaimers: Please note that all information disclosed is non exhaustive and for informational purpose only. For the complete information, kindly call us or visit our branch.