Cash Grab Battle! Future Bank Offers 2.33% TWD Fixed Deposit Rate with Up to NT$30 Million Limit

Taiwan's stock market has demonstrated strong capital attraction this year, triggering a nationwide investment boom. Amid surging liquidity and heightened demand for flexible fund management, banks are rolling out high-yield incentives, igniting a fierce 'cash grab battle.' Pure digital bank Future Bank announced today (23) a market-shaking limited-time preferential deposit plan: a 12-month TWD fixed deposit rate as high as 2.33% p.a., with a single-account limit of up to NT$30 million—directly targeting the fund-parking needs of middle-class and high-net-worth clients. Simultaneously, a 9-month USD fixed deposit offers a 4% p.a. rate, injecting confidence into the recently volatile financial market.

To address diverse customer financial pain points, Future Bank has significantly raised deposit limits and flexibility. The 12-month TWD fixed deposit offers a super-competitive 2.33% p.a. rate, with a minimum deposit of just NT$10,000 and a maximum of NT$30 million. Additional options include 6-month (2.0% p.a.), 9-month (1.98% p.a.), and 12-month (2.2% p.a.) deposits (minimum NT$1,000), catering to short-term fund parking needs of SMEs and individuals.

For USD allocation, Future Bank offers a 9-month fixed deposit at 4% p.a., helping customers maximize foreign currency asset returns.

Beyond long-term yield seekers, Future Bank has also enhanced current account benefits for liquidity-focused funds. Customers who complete designated tasks can enjoy preferential rates the following month: up to 2% p.a. on balances between NT$50,000 and NT$200,000, and 1.6% p.a. with no upper limit on amounts exceeding NT$200,000. Additionally, up to 50 free interbank transfers per month significantly reduce the friction costs of daily fund transfers.

To accelerate user ecosystem expansion, new customers who open an account and complete device binding between now and December 31, 2026, will receive an 'N-Times Coupon' that boosts interest rates by up to 16.8%. Existing users who successfully refer friends or family to open an account will receive a NT$400 cashback for each successful referral, making the campaign highly incentivized.

To enable smarter financial management, the Future Bank app has been upgraded with customizable transaction tags and automated income-expense analysis charts. Users can easily review up to one year of transaction history, with salary deposits, interest income, and daily spending clearly visible. This empowers users to effortlessly conduct annual financial reviews using digital tools.