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Foreign currency deposit is a kind of financial products, which forces you to convert your own domestic currency into foreign currency and make a deposit. You can enjoy the interest earning from the foreign currency. Some foreign currencies can offer you the higher yielding than the savings account. The conversion rate is usually fixed at 10 AAM once a day, and the TTS rate is applied for the new deposit and the TTB rate is for the withdrawal. Some banks make it a rule to decide the fixing rate every hour. TTS rate should be set one full point higher than the fixing rate which to apply for the new deposit, On the other hand, TTB should be set one full point lower than the fixing rate which to apply for the withdrawal. Therefore, it will cost at least two full points on the round trip through placement and withdrawal.