syfe
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First in Hong Kong! One-stop investment service, offering fixed returns of up to 4.5% p.a.

Invest in 1, 3 or 6-month time deposits with leading banks in Hong Kong.

Asia FinTech AwardPersonal Tech AwardABF Award

Syfe brand is trusted by 100,000+ investors and manages over HKD 10 billion assets.
Syfe Hong Kong Limited is regulated by Securities and Futures Commission of Hong Kong (SFC)
License - CE No: BRQ741

Cash+ Fixed HKD is an investment management service, and should not be taken as a collective investment scheme with any pooling element or a deposit or savings account, and is not covered under the DPS.

Syfe brand is trusted by 100,000+ investors and manages over HKD 10 billion assets.
Syfe Hong Kong Limited is regulated by Securities and Futures Commission of Hong Kong (SFC)
License - CE No: BRQ741

Cash+ Fixed HKD is an investment management service, and should not be taken as a collective investment scheme with any pooling element or a deposit or savings account, and is not covered under the DPS.

illustration
portfolio-icon
portfolio-icon
portfolio-icon

First in Hong Kong! One-stop investment service, offering fixed returns of up to 4.5% p.a.

Invest in 1, 3 or 6-month time deposits with leading banks in Hong Kong.

Asia FinTech AwardPersonal Tech AwardABF Award

Syfe brand is trusted by 100,000+ investors and manages over HKD 10 billion assets.
Syfe Hong Kong Limited is regulated by Securities and Futures Commission of Hong Kong (SFC)
License - CE No: BRQ741

Cash+ Fixed HKD is an investment management service, and should not be taken as a collective investment scheme with any pooling element or a deposit or savings account, and is not covered under the DPS.

Syfe brand is trusted by 100,000+ investors and manages over HKD 10 billion assets.
Syfe Hong Kong Limited is regulated by Securities and Futures Commission of Hong Kong (SFC)
License - CE No: BRQ741

Cash+ Fixed HKD is an investment management service, and should not be taken as a collective investment scheme with any pooling element or a deposit or savings account, and is not covered under the DPS.

illustration
portfolio-icon
portfolio-icon
portfolio-icon

First in Hong Kong! One-stop investment service, offering fixed returns of up to 4.5% p.a.

Invest in 1, 3 or 6-month time deposits with leading banks in Hong Kong.

Asia FinTech AwardPersonal Tech AwardABF Award

Syfe brand is trusted by 100,000+ investors and manages over HKD 10 billion assets.
Syfe Hong Kong Limited is regulated by Securities and Futures Commission of Hong Kong (SFC)
License - CE No: BRQ741

Cash+ Fixed HKD is an investment management service, and should not be taken as a collective investment scheme with any pooling element or a deposit or savings account, and is not covered under the DPS.

Syfe brand is trusted by 100,000+ investors and manages over HKD 10 billion assets.
Syfe Hong Kong Limited is regulated by Securities and Futures Commission of Hong Kong (SFC)
License - CE No: BRQ741

Cash+ Fixed HKD is an investment management service, and should not be taken as a collective investment scheme with any pooling element or a deposit or savings account, and is not covered under the DPS.

illustration
portfolio-icon
portfolio-icon
portfolio-icon

First in Hong Kong! One-stop investment service, offering fixed returns of up to 4.5% p.a.

Invest in 1, 3 or 6-month time deposits with leading banks in Hong Kong.

Asia FinTech AwardPersonal Tech AwardABF Award

Syfe brand is trusted by 100,000+ investors and manages over HKD 10 billion assets.
Syfe Hong Kong Limited is regulated by Securities and Futures Commission of Hong Kong (SFC)
License - CE No: BRQ741

Cash+ Fixed HKD is an investment management service, and should not be taken as a collective investment scheme with any pooling element or a deposit or savings account, and is not covered under the DPS.

Syfe brand is trusted by 100,000+ investors and manages over HKD 10 billion assets.
Syfe Hong Kong Limited is regulated by Securities and Futures Commission of Hong Kong (SFC)
License - CE No: BRQ741

Cash+ Fixed HKD is an investment management service, and should not be taken as a collective investment scheme with any pooling element or a deposit or savings account, and is not covered under the DPS.

illustration

Syfe brand is trusted by 100,000+ investors and manages over HKD 10 billion assets.
Syfe Hong Kong Limited is regulated by Securities and Futures Commission of Hong Kong (SFC)
License - CE No: BRQ741

Cash+ Fixed HKD is an investment management service, and should not be taken as a collective investment scheme with any pooling element or a deposit or savings account, and is not covered under the DPS.

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    Fixed returns in HKD
    up to 4.5% p.a.
    Term: 1, 3, 6 months
  • Card Icon
    Enjoy optimised returns from leading banks in Hong Kong
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    Real rates–no minimum, no cap, no management fees
  • Card Icon
    Skip the queue. Attractive rates at your fingertip.
  • Your money in trusted hands

    Regulated by the Securities and Futures Commission, Syfe holds licenses under types 1, 4, and 9 (License - CE No: BRQ741). Your cash assets are safeguarded in a segregated custodian account with HSBC.
    Custodian Accounthsbc-icon
    For Cash+ Fixed HKD, we invest your money directly in time deposits with leading global banks. Syfe carefully selects reputable banking partners with sizeable total assets, investment-grade credit rating and competitive time deposit rates.
    Compound your returnsLeverage the power of compounding when you opt in for auto-reinvesting at maturity.
    Term
    Fixed Rate
    Returns at the end of the term*
    1 month
    4.0% p.a.
    HK$3,287
    3 months
    4.3% p.a.
    HK$10,602
    6 months
    4.5% p.a.
    HK$22,188
    *Based on Investment of
    HK$1,000,000
    This calculator illustrates the fixed returns you will get at the prevailing rate if it matures on a business day. If that is not the case, the investment will end on the next business day instead, and you will earn pro-rated returns for the additional days.


    Until the investment starts, the return rate is subject to change. Cash+ Fixed HKD returns are fixed, subject to underlying bank risk. All Cash+ Fixed HKD returns are only available after maturity.
    Fixed returns with trusted partners
    Funds are invested with banks in Hong Kong giving you fixed returns with optimised rates.
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    Current Rate
    up to 4.5% p.a.
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    Term
    1, 3, 6 months
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    Min Investment
    No limits
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    Management Fee
    None
    Cash+ Fixed HKD is an investment management service, and should not be taken as a collective investment scheme or a deposit or savings account. The optimised rates are not due to pooling of invested funds by Syfe, and Syfe is not offering Cash+ Fixed HKD as a fund, scheme, or portfolio with a pooling element. Until the investment starts, the return rate is subject to change. Cash+ Fixed HKD returns are fixed, subject to underlying bank risk. All Cash+ Fixed HKD returns are only available after maturity.

    How is Cash+ Fixed HKD different

    Cash+ Flexi USD
    Cash+ Fixed HKD
    Time Deposit Account
    Money market funds
    Underlying
    Time deposits
    Bank Time Deposit
    (Direct bank)
    USD
    Currency
    HKD
    HKD
    5.4% p.a.
    (varies with Fed rate)
    Return rate
    4.5% p.a.
    (fixed rate)
    2.7%-4% p.a. *
    (fixed rate)
    None
    Term
    1, 3, 6 months
    Typically 1 –12 months
    Any time, no penalty
    Withdrawal
    End of term, no early withdrawal allowed
    End of term or will incur penalty
    None
    Minimum amount
    None
    Depends on the tenor and bank
    Yes
    Capital fluctuation
    No
    (subject to underlying bank risk)
    No
    (subject to bank risk)
    No
    DPS protected
    No
    Yes
    *Time deposit account benchmarks are taken from 1, 3 and 6-month term rates offered by the top 10 Hong Kong banks (in terms of total assets), as of 18 March 2024. See Cash+ Flexi USD rate here.
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    General Enquiries

    Get help in understanding Syfe’s portfolios, fees and platform features

    Personalised consultation for Black tier and above

    Get a personalised consultation based on your goals if you are planning to invest more than HK$200,000.

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    Bespoke solutions for high and ultra-high net worth individuals, families and institutions
    Explore Private Wealth

    Frequently asked questions

    How does Syfe work with bank providers to secure optimized rates?

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    Syfe maintains partnerships with leading banks in Hong Kong that offer time deposits. We regularly assess the rates from these providers, along with market rates, to ensure that Cash+ Fixed HKD rate remains competitive.

    How are the returns fixed?

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    Returns are fixed once we invest your funds in time deposits with a partner bank for your chosen term. When the term ends, you will receive returns from the underlying time deposits at the fixed rate that you had secured at the beginning of the term.

    Please note, that until the investment starts, the return rate is subject to change. If the return rate changes, you will be notified.

    Will there be a change in the fixed return?

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    Once your investment begins, the fixed return and rate will not change during the entire duration of the investment.

    Why doesn’t Cash+ Fixed HKD charge users a fee?

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    From the rate we obtain from our partner bank, we take a slight margin before extending to you a rate that is still very attractive in the market. Once your investment begins, your Cash+ Fixed HKD is assured to provide returns at the same rate. Our commitment is to deliver exceptional products, coupled with an unparalleled user experience, and this margin facilitates our ability to fulfill that commitment.

    Can I top up or withdraw my money before the end of the term?

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    After the Cash+ Fixed HKD is funded and invested, you will not have the option to make withdrawals until the fixed term ends.

    We will reach out to you if we identify subsequent top-ups made into the same investment after funds have been locked and invested. You may create a new Cash+ Fixed HKD investment and let us move the funds into that or have the funds sent back to you. We also recommend you edit the transfer plan to avoid this scenario in the future.

    By creating multiple Cash+ Fixed investments, you create a “ladder” of maturity dates for your multiple Fixed investments, giving you the flexibility to access funds and take advantage of fluctuating interest rates.

    As featured in

    Ming Pao
    Bloomberg
    Sing Tao
    Financial Times
    TechCrunch
    CNBC
    Syfe

    Pronounced as
    Sounds like life

    Why the name Syfe?
    In Japanese, the word Saifu means wallet and to be closely associated with our most important attribute - which is the word safe

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    The information contained herein is for general information and reference purposes only. Information on this website is not and should not be construed as an offer to sell, or a solicitation of an offer to buy any security, investment product or service, nor a distribution of information for any such purpose. It is not intended to form the basis of any investment decision.
    Investors should not make any investment decision based solely on the information and services provided herein. Before making any investment decision, investors browsing this website should consider his/her own circumstances including but not limited to his/her financial situation, investment experience and investment objectives, and should understand the nature, terms and risks of the relevant investment funds in detail.
    Unless otherwise specified, all historical figures shown are for illustration purposes only and not necessarily indicative of future performance. All forms of investment carry risks, including fluctuation of prices of fund units and the possibility of loss of the capital invested. Please ensure that you fully understand the risks and costs involved by reading the Risk Disclosure Statement.
    The fund(s) mentioned above may not be authorised by the Securities and Futures Commission ("SFC") in Hong Kong. Please seek professional advice from an independent financial consultant where necessary. The webpage(s) have not been reviewed by the SFC. Syfe Hong Kong Limited (“Syfe”) is a Hong Kong Corporation licensed by the SFC (CE No. BRQ741) under Types 1 (Dealing in Securities), 4 (Advising on Securities), and 9 (Asset Management) for conducting relevant investment activities.
    Every reasonable care has been taken by Syfe to ensure that the information included on this website is correct, up-to-date, complete, fit for its intended purpose and in line with relevant legislation and regulations. However, errors or omissions may occur due to circumstances out of Syfe’s control and information or forecast, being current only as at the date it is first posted, showing prevailing market conditions and certain assumptions (which may not be proven valid) posted on this website is and may no longer be true or complete when viewed by you. No warranty will be given or representation made, regarding the accuracy, validity or completeness of the information on this website and no liability is accepted by such persons for the accuracy or completeness of such information.
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