Standard Chartered HK Marathon Savings Review: Stepped Rates to 3.20% p.a. (HKD)
Standard Chartered Hong Kong Marathon Savings Account review covering the October 2026 stepped rates, new-funds and top-up rules, minimum deposits and who can use the referral link.
Rating
3.4/5
Best for
Existing Standard Chartered deposit clients with a lump sum they can leave untouched until February 2027.
Marathon Savings pays HKD rates that step up from 2.80% to 3.20% p.a. on new funds deposited in October 2026, with the 3.6% headline applying to USD in the final stage only. The catch is that you cannot top up until 1 February 2027, and the referral route adds nothing for you; it is for existing deposit clients only.
Pros
- Rates step up each stage
- HK$10,000 online minimum
- Rates published upfront
Watch-outs
- Existing clients only
- No top-ups until 1 Feb 2027
- October 2026 accounts only
Current related offer
Standard Chartered Hong Kong (渣打銀行) offer page
Provider
Standard Chartered Hong Kong (渣打銀行)
Existing Standard Chartered Hong Kong deposit clients can open a Marathon Savings Account (高息馬拉松活期存款) in SC Mobile through this referral link, which attaches referral code A3872270. For accounts opened 2–31 October 2026, new funds earn stepped promotional rates: HKD 2.80% p.a. to 30 November 2026, 3.00% to 3 January 2027 and 3.20% to 1 February 2027 (USD 3.30%, 3.50% and 3.60%). There is no referral bonus for you; you need at least HK$10,000 (or US$2,000) of new funds online, no top-ups until 1 February 2027, and no Marathon account in the past 12 months.
Requirement: New funds of at least HK$10,000 or US$2,000 online (HK$100,000 or US$13,000 at a branch); maximum HK$10,000,000 or US$1,300,000
Easy10 minutes to apply in SC MobilePayout Promotional interest accrues on the new funds through each rate stage until 1 February 2027
Verified 9 October 2026 · Ends 31 October 2026
Full claim instructions are on the Standard Chartered Hong Kong (渣打銀行) offer page.
How it works
Open the referral link and apply in SC Mobile between 2 and 31 October 2026. Deposit at least HK$10,000 or US$2,000 of new funds in one go and leave them in through the rate stages to 1 February 2027.
Main watch-outs
You must not have had a Marathon account in the past 12 months. USD deposits carry exchange-rate risk if you convert from HKD.
FAQ
- Is 3.6% the HKD rate?
- No. 3.6% p.a. is the USD rate in the last stage; HKD tops out at 3.20% p.a.
- Can new clients use the link?
- No. Standard Chartered limits this referral to existing deposit clients applying in SC Mobile.
Last updated 9 October 2026. Reviews are informational only and not financial advice.