Top Savings Accounts in Singapore

Top Savings Accounts in Singapore

What’s a savings account?

In layman’s terms, a savings account is simply a non-complicated banking tool for individuals to store their money for safe-keeping and to watch it slowly grow with every deposit and earn interest.  

Savings accounts are also tools people can access easily, with the advancement of technology, viewing accounts with a swipe can be easily done and accessed by its owners. Though liquidating a huge portion of your savings account might be limited, it is still easier to get a hold of your money.

Depending on the agreement per your chosen bank and type of savings account, money deposits can go from $0 to $2000 and could be limited to a number of withdrawals per month. 

How can you use your savings account?

Generally, savings accounts are useful tools to help save and earn money through interest rates provided by the bank. Savings accounts are also easy to get started on, where most can be done with a tap on the bank’s mobile application. Local banks, such as DBS, provide options for younger patrons who are keen on getting started on a basic savings account with DBS Multiplier. The savings account offers a basic interest rate of 0.05% per annum and could be accessed easily through their applications.  

Apart from the basic savings accounts, there are different types of savings accounts you could choose from to better suit your lifestyle and learn from the interest rates they offer to further benefit your pockets.

Doubling as a checking account, a Money Market account offers a promise of higher interest rates but with higher opening deposits. However, unlike traditional savings accounts, Money Market accounts utilise the use of cheque books instead of withdrawing money from bank tellers or ATMs.

What to look out for in a savings account

Something to look out for when you are choosing banks to open your savings account is to check out whether the account needs to be maintained at a specific balance, as well as a monthly fee if ever your account dips below a certain amount. Some banks do require accounts to be kept at a base amount before charging a monthly fee.

Oftentimes, savings accounts require a minimum opening deposit too. Though the requirement may be a small amount, it is still more relaxing to have flexibility in opening the account, especially for younger individuals taking a step forward into their financial future. Looking for savings accounts that offer no minimum opening deposits is best when looking for basic savings accounts for starters.

Some savings accounts also allow automatic deposits. Automatic transfers from your banking account to your savings account can be done through a series of steps depending on your bank of choice. Saving is definitely not easy and having constant reminders to deposit funds into a savings account can be overwhelming. Hence, automatic transfers can take the load off your shoulders while still having a well-maintained savings account.

Since savings accounts are easily accessible for maintenance, it is also easy to withdraw from. More often than not, withdrawals from savings accounts can be done through an ATM. However, do note that some banks might limit your withdrawals from the savings account to a fixed amount per month, so be sure to study the banks account policies beforehand.

Savings accounts often help in pursuing long-term financial goals and reduce the temptation to overspend on non-necessary possessions that could hinder you from achieving those goals. By choosing trusted banks and the right type of savings account to suit your needs, you will be able to save and earn money through great interest rates that benefit you and your pockets.

UOB Top Savings Accounts in Singapore

Savings Account 

UOB One Savings Account 

Speciality The easy-to-use UOB One account is one of the few higher interest savings accounts with no salary credit requirement. Pick this account if you’re allergic to maths because the only requirement is spending at least $500 a month on a UOB credit card.

To boost your interest, you can either credit your monthly salary or pay 3 bills by GIRO. This is great for those without a regular paycheck such as freelancers, retirees or homemakers. The interest rate rises with every additional $15,000 in your UOB One account, capped at $75,000.

Website https://www.uob.com.sg/personal/save/chequeing/one-account.page

Looking for a savings account that rewards you for your loyalty and consistent savings habits? Look no further than the UOB One Savings Account! This account is designed to help you maximize your savings potential and earn attractive interest rates while providing you with exclusive perks and benefits.

With the UOB One Savings Account, you can enjoy up to 3.88% p.a. interest on your savings, based on meeting certain conditions such as maintaining a minimum balance and making regular deposits. You’ll also receive cashback on your spending with your UOB One Debit Card and discounts on restaurants and travel expenses.

But that’s not all – with the UOB One Savings Account, you’ll also have access to exclusive promotions and offers, such as discounted movie tickets.


DBS Top Savings Accounts in Singapore

Savings Account 

DBS Multiplier Account 

Speciality DBS Multiplier Savings Account is an exceptional option for high-spenders with financial involvement across a variety of DBS banking products. Account holders earn interest based on a few intersecting factors. First, consumers must credit dividends or their salary to their account each month.

Then, you must make a transaction in one or more specific categories ranging from credit card purchases and home loan payments to insurance policies and investments through DBS. Depending on the amount of total monthly transactions and the number of categories in which transactions were made, your total interest can reach 3.8% p.a.

Website https://www.dbs.com.sg/personal/deposits/bank-earn/multiplier

Earn higher interest rates on your savings with the DBS Multiplier Account. Get up to 3.8% p.a. interest on your savings based on your transactions in categories such as salary credit, credit card spend, home loan instalment, insurance and investments.

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The more transactions you make, the higher the interest rate you earn. Plus, enjoy cashback on your everyday transactions, discounts on various lifestyle and dining merchants, and access to exclusive promotions and offers. Sign up for the DBS Multiplier Account today to realize your full savings potential.


OCBC 360 Top Savings Accounts in Singapore

Savings Account 

OCBC 360 Savings Account 

Speciality OCBC 360 Account stands out from its competitors by rewarding continued growth. Making a monthly deposit of at least S$500 earns a bonus of up to 0.40% p.a. effective interest.

Overall, while several accounts reward salary crediting & product use and others reward consistent saving, OCBC 360 is one of the very few that offers bonus interest for both. Combining all bonuses (including a 0.80% p.a. bonus for large balance sizes), consumers can earn a maximum effective interest rate of 2.63% p.a. with a S$75,000 balance.

Website https://www.ocbc.com/personal-banking/deposits/360-savings-account

Looking for a savings account that rewards you for your everyday banking transactions? Look no further than the OCBC 360 Savings Account! With this account, you can earn up to 1.2% p.a. interest on your savings based on meeting certain conditions such as credit card spend, salary credit and investing with OCBC.

In addition, with the OCBC 360 Savings Account, you’ll also enjoy cashback on your everyday transactions, discounts in restaurants and exclusive promotions and offers. Sign up for the OCBC 360 Savings Account today and earn rewards on every banking transaction.


Standard Chartered Top Savings Accounts in Singapore

Savings Account 

Standard Chartered Bonus$aver Account 

Speciality With Standard Chartered Bonus$aver, you can get up to 2.88% p.a. interest rate on your first S$80,000 savings balance. You just need to fulfil any of the categories to achieve the bonus interest. Unlike others mentioned, the interest rate for Bonus$saver is applicable to the whole savings sum instead of by tranch.

It’s worth pointing out that this account is best suited for wealthier consumers due to its minimum salary requirement, higher card spend requirement and the requirement to buy a big financial product to enjoy a boost.

Website https://www.sc.com/sg/save/current-accounts/bonussaver/

 

Standard Chartered Bonus$aver Account is a special savings account that rewards cardholders for every bank transaction. The card offers bonus interest rates on savings based on the stipulated terms and conditions such as salary credit, investments, insurance, and average credit card spending.

By getting this card, you can earn up to 1.88% p.a. interest on your savings. In addition, you can get cashback every time you swipe your credit card and discounts in selecting shopping outlets and movie theaters. Thanks to the Standard Chartered network of ATMs and banking halls, you can manage your finances anywhere.

Maybank2u Top Savings Accounts in Singapore

Savings Account 

Maybank Save Up Programme 

Speciality If you’re a salaried employee thinking of taking out a car, education, home, or home renovation loan, Maybank SaveUp Savings Account can help you earn market-leading interest rates while doing so.

Account holders earn at already high base rates (up to 0.3125% p.a., compared to the standard 0.05% p.a.), and can further boost their rate by engaging with Maybank financial products. Maybank offers bonuses to your savings rate if you use your account to spend in certain categories or open other products with the bank.

Website https://www.maybank2u.com.sg/en/personal/accounts/savings/SaveUp-Account.page?

Finding the best savings account is difficult for most people. Not anymore; we scoured the internet and found one that suits you best, Maybank Save Up Programme. This is a savings account that allows you to earn high-interest rates on savings. By opening an account, you can earn up to 3% p.a. interest on money deposited in your savings account. The terms and conditions are friendly, such as maintaining a minimum balance and doing regular transactions in categories such as bill payments, credit card spending, and salary credit.

BOC Top Savings Accounts in Singapore

Savings Account 

Bank of China (BOC) SmartSaver Account 

Speciality Bank of China SmartSaver Savings Account is one of the absolute best options for high-earners looking to make a moderate-sized deposit. In fact, account holders can earn a maximum effective interest rate of 3.00% p.a. at a balance of just S$60,000. However, it’s worth pointing out that the criteria to achieve this rate skew towards favouring wealthier consumers.

To begin with, account holders earn a base interest rate according to their balance size; these rates, ranging from 0.10% p.a.–0.20% p.a., are all higher than the 0.05% p.a. market standard.

Website https://www.bankofchina.com/sg/pbservice/pb1/202007/t20200731_18212078.html

The Bank of China (BOC) SmartSaver Account is a savings account that helps clients increase their savings by offering generous interest rates on their savings. With this account, you can earn up to 3.55% p.a. interest on money set aside as savings. However, you must make regular transactions and ensure your account balance is above the minimum threshold to qualify for the interest rates.

Concisely, the larger the transaction, the higher the interest rate. You will also get cash rebates on your credit card spending, exclusive dining and lifestyle offers, and discounted remittance services.

POSB Top Savings Accounts in Singapore

Savings Account 

POSB SAYE Account 

Speciality Let your salary bring you more from the moment it gets credited. POSB Save As You Earn (SAYE) Account gives you an additional 2% p.a. interest on the amount that you decide to save monthly from your salary to help you achieve your financial goals, so you get more out of your savings while you focus on what matters most.
Website https://www.posb.com.sg/personal/deposits/savings-accounts/saye

 

The POSB SAYE Account is designed to help you nurture a money saving culture by offering a simple and convenient way to set aside money for a rainy day. Like other savings accounts, you will be required to set a fixed amount of money each month for a period of 2-3 years. At the end of the tenure, you are guaranteed an interest rate of up to 2% p.a.

The low minimum deposit requirement is one of the aspects that make it ideal for many people. With as little as $2, you can open an account and start saving. You can withdraw your savings at any time and no penalty is imposed for early closure of the account.

HSBC eFlexi Top Savings Accounts in Singapore

Savings Account 

HSBC eFlexi Account 

Speciality A lesser-known option is the HSBC eFlexi savings account. This savings account is amazingly simple: You start with a base interest rate of 0.01%, but if you credit your salary of at least $2,000, you earn 0.8% bonus interest.

There are no further hoops to jump through, and no minimum balance OR fall-below fee. The only caveat is that this bonus interest is capped at $25,000 (unless you’re an HSBC Premier customer, in which case it’s $100,000).

Website https://www.hsbc.com.sg/accounts/products/eflexi/

The HSBC eFlexi Account offers up to 0.55% p.a. interest on savings depending on your average regular transactions and compliance with the minimum balance requirement. You can link the account with your HSBC credit card to earn even higher interest rates. You can also opt for a lower interest rate and enjoy more transaction flexibility.

Flexibility and generous rewards are two attributes that set these savings account apart from the rest. The bank can customise the interest rate to your preference and financial capability.


Frank OCBC Top Savings Accounts in Singapore

Savings Account 

OCBC Frank Account 

Speciality OCBC Frank Savings Account is a great option for young adults who want to earn at competitive interest rates, but don’t want to worry about extra fees. To begin with, it’s especially easy to qualify for, and get started with, an OCBC Frank account. In fact, consumers as young as 16 years old can apply–which is notably younger than the 18-year-old standard. In addition, there’s no minimum income or salary requirement, which further lowers the barrier to entry.
Finally, there’s no initial deposit requirement; many banks require an initial deposit of at least S$500.
Website https://www.frankbyocbc.com/products/accounts/frank-account

OCBC Frank Account is a savings account that is specifically meant for young adults who are tech savvy and prefer managing their finances digitally. With account, you qualify for up to 0.4% p.a. interest rate on your savings. It also gives cardholders access to a wide range of digital banking features and exclusive offers.

The digital-first approach is one of the standout features of OCBC Frank Account. You can manage your account while on the go through the secure OCBC mobile banking app. The app comes with expense tracking and budgeting tools to take your money management skills to the next level. Also, you will get generous cashback every time you shop online at selected outlets.


UOB Stash Account Top Savings Accounts in Singapore

Savings Account 

UOB Stash Account 

Speciality If you’re a young adult with moderate-to-large savings, you may want to consider UOB Stash Savings Account. This account has one of the lowest minimum age requirements on the market, at just 15 years old. In addition, it tends to offer unique promotions, such as cash or gifts for fresh funds deposits (though promotions rotate and change every few months). UOB Stash also often comes with a sign-on bonus, which is somewhat rare amongst savings accounts in Singapore.

Beyond its promotions and offerings, UOB Stash specifically rewards those who save month-on-month and have a moderate-to-large balance. Consumers earn a standard base rate of 0.05% p.a., which is then increased if the current month’s balance is higher than the previous month’s.

Website https://www.uob.com.sg/personal/save/savings/stash

UOB Stash Account offers up to 1.5% p.a. interest on savings, based on meeting the specified conditions, such as making regular transactions and maintaining a minimum balance. One of the notable features of this account is the “Save, Spend, Earn” approach, which allows you to earn higher interest rates by setting aside a percentage of your savings in different categories.

You will enjoy cashback on your debit card spending, discounts on dining and entertainment, and access to exclusive offers and promotions. Its innovative approach to savings and the added rewards makes it an ideal choice for people who want to become financially stable by increasing their savings.


Maybank2u iSavvy Top Savings Accounts in Singapore

Savings Account 

Maybank iSAVvy Savings Plus Account 

Speciality Even if your average monthly balance fluctuates month-to-month, you can still earn top interest rates with Maybank iSAVvy Savings Account–as long as your account remains above S$5,000 for 6 months, which is quite reasonable for the average consumer.

Initial base rates are based on total balance size, ranging from 0.1875% p.a. for balances below S$5,000, up to 0.50% p.a. for balances of S$200,000 or more. All of these base rates are far above the standard 0.05% p.a., which already makes Maybank iSAVvy stand out.

Website https://www.maybank2u.com.sg/en/personal/accounts/savings/iSAVvy-savings-plus-account 

Maybank iSAVvy Savings Plus Account is designed to help you accrue savings without sidelining your other important financial obligations. It offers a competitive interest rate of up to 0.5% p.a. on savings and doesn’t have a lock-in period or minimum deposit requirement.

Flexibility is one aspect that makes it appealing to many people. You can access your savings anytime through the dedicated Maybank mobile app or online banking platform. No charges are imposed on deposits and withdrawals. You will also get exclusive promotions and discounts on travel, online shopping, and dining.


Citibank Top Savings Accounts in Singapore

Savings Account 

Citibank Step-Up Account 

Speciality If you’re a consistent saver but tend to maintain a relatively small balance size, you may benefit from Citi Step-Up Savings Account. This account allows consumers to maximise their effective interest rate after reaching a balance as low as S$20,000–far below any market alternatives.
Website https://www.citibank.com.sg/gcb/deposits/set-up-account.htm

 

Citibank Step-Up Account is a savings account that offers a unique way to earn higher interest rates on your savings over time. The account offers up to 1.2% p.a. interest on savings, which increases gradually every month for the first 12 months of account opening.

The tiered interest rate system is designed to incentivize account holders to save more. You will also get cashback on debit card spending, discounts, and exclusive offers at selected shopping outlets and entertainment joints.


CIMB Top Savings Accounts in Singapore

Savings Account 

CIMB FastSaver Savings Account 

Speciality No product on the market offers higher base interest rates than CIMB FastSaver Savings Account, which is also exceptionally easy to use. Base rates are tiered according to bands within the balance size; the 1st S$50,000 of the balance earns 0.50% p.a. interest, the next S$25,000 earns 0.80% p.a., the following S$25,000 earns 1.50% p.a., and any remaining amount earns 0.40% p.a.

Altogether, the maximum effective interest rate is 0.825% p.a., reached at S$100,000 balance.

Website https://www.cimb.com.sg/en/personal/banking-with-us/accounts/savings-accounts/cimb-fastsaver-account.html

CIMB FastSaver Savings Account is a no-frills savings account that offers a competitive interest rate on your savings. It doesn’t have a minimum balance or deposit requirement. With this savings account, you can enjoy up to 0.8% p.a. interest on your savings.

Simplicity is one of the aspects that has fueled the popularity of this savings account. You can easily open and manage your account online. There are no charges for deposits and withdrawals. No matter how much savings you have, you automatically qualify for exclusive offers and promotions on travel and shopping.


Standard Chartered eSavers Top Savings Accounts in Singapore

Savings Account 

Standard Chartered e$aver Savings Account 

Speciality One option for consumers who want an easy to use account is Standard Chartered e$Saver Savings Account. As with similar alternatives, this account rewards interest according to total balance size.

Those with a balance below S$50,000 earn 0.10% p.a., those with a balance between S$50,000–below S$200,000 earn 0.15% p.a., and those with balances of S$200,000 or above earn 0.25% p.a. There’s no initial deposit requirement, but there is a S$1,000 minimum balance requirement and a sizable S$5/month fall below fee.

Website https://www.sc.com/sg/save/savings-accounts/esaver/

The Standard Chartered e$aver Savings Account is an online savings account that offers a competitive interest rate on your savings. There is no lock-in period or minimum deposit requirement. By getting this account, you can earn up to 0.5% p.a. interest on your savings.

Because the account is online, you can open an account in minutes and start saving money for the future today. You don’t have to walk into a banking hall, as you can conveniently manage your account online. The bank does not charge deposit and withdrawal fees.


OCBC Bonus Top Savings Accounts in Singapore

Savings Account 

OCBC Bonus+ Savings Account 

Speciality Consumers who often contribute to their savings accounts–but can’t guarantee they won’t make a withdrawal for months at a time–may be best-suited to OCBC Bonus+ Savings Account.

Account holders earn 0.05% p.a. base interest, plus a 0.20% p.a. boost when they don’t make a withdrawal that month. Consumers can also earn an extra 0.25% p.a. when they make a S$500+ deposit as well–adding up to a total potential 0.50% p.a. effective interest rate, at any balance size.

Website https://www.ocbc.com/personal-banking/deposits/bonus-plus-savings-account

OCBC Bonus+ Savings Account is a savings account that offers a tiered interest rate. The higher your balance, the higher the interest rate. It can be up to 1.2% p.a. It also offers a bonus interest rate of 0.5% p.a. if you meet certain requirements, such as maintaining the set minimum account balance and meeting the volume of the monthly transactions.

You can open an account offline at any OCBC branch or online on the official OCBC website. Note that there are no deposit or withdrawal fees.


 

Top Savings Accounts in Singapore, 2021

The accounts below provide some of top possible effective interest rates within local markets. Here are some best savings accounts explained.

 

Good Interest for Cumulative Savers: OCBC 360 Account

OCBC 360 Account

Select when: You save on regular terms with guaranteed income.

Bonus: Receive a S$100 FairPrice e-Voucher upon your registering for a 360 Account virtually and deposit an income of at minimum S$1,800 (must be fresh OCBC account)

Description & Laws

Minimal Fresh Deposit: S$1,000

Minimal Median Daily Left-over: S$3,000

Drop Under Charge: S$2 (Exempted for initial year)

Cumulative Calculated Interest Charge: 2.68% p.a. at S$75,000 left-over

 

Top Cumulative Interest Rate: Standard Chartered Bonus$aver Account.

SC Bonus$aver Account.

Choose when: You earn a strong income, welcome a banking relation to Standard Chartered.

Bonus: Register with a Bonus$saver Account and a Bonus$aver credit card to receive a potential S$218 cashback

Description & Rules

Minimal Initial Deposit: S$0

Minimal Median Daily Left-over: S$3,000

Drop Under Charge: S$5.

Cumulative Calculated Interest Rate: 2.88% p.a. at S$80,000 left-over

 

Market-Prevailing Calculated Interest Rate: DBS Multiplier Account

DBS Multiplier Account

Choose when: You qualify as a strong income DBS old-member, with acumen.

Bonus: Receive up to 3.8% p.a. with income deposits and cumulative charges

Description & Rules

Minimal Fresh Deposit: S$0

Minimal Median Daily Left-over: S$3,000

Drop Under Charge: S$5 (Exempted if lower than 30 years in age, or it is the user’s fresh new account with DBS)

Maximum Calculated Interest Rate: 3.80% p.a. at S$100,000 left-over

 

Top for Regular-Income Workers Securing Loans: Maybank SaveUp Account

Maybank SaveUp Account

Choose when: You save a moderate income and head a household.

Description & Rules

Minimal Fresh Deposit: S$500 for Singaporeans & PR, S$1,000 for non-Singaporeans

Minimal Median Daily Left-over: S$1,000

Drop Under Charge: S$2 (Exempted if lower than 25 years of age)

Maximum Interest Rate: 3.00% p.a. at S$50,000 left-over

 

Greatest Reachable High-ceiling Rates: UOB One Savings Account

UOB One Account

Choose when: You seek a UOB credit card on top of your savings account.

Bonus: Get up to S$280 by registering virtually to dual UOB One Account & UOB One Credit Card, following which depositing income into account

Get up to S$100 upon your registration virtually for UOB One Account

Description & Laws

Minimal Fresh Deposit: S$1,000

Minimal Median Daily Left-over: S$1,000

Drop Under Charge: S$5.

Top Cumulative Interest Charge: 2.50% p.a. at S$75,000 left-over

 

Top Accounts for Regular Savers

The following savings accounts offer top interest rates for consumers who regularly deposit wages and do not spend/ debit substantial amounts over extended intervals.

 

Top for Average Leftovers & Minimal Amounts: UOB Stash Account

UOB Stash Account

Choose when: You sustain a substantial left-over but intend to credit lesser amounts.

Bonus: Get S$20 deposit via PayNow (Received by partnership w/ SGSaver)

Get S$80 money deposit upon your registration for a fresh UOB Stash account and retain a regular left-over of S$5,000.

Receive a bonus for crediting new deposits of S$30,000, S$50,000 or S$100,000.

Description & Rules

Minimal Fresh Deposit: S$1,000

Minimal Regular Daily Left-over: S$1,000

Drop Under Charge: S$2.

Top Cumulative Interest Rate: 1.00% p.a. at S$100,000 left-over

 

Top for Savers with Regular Incomes: POSB Save As You Earn (SAYE)

POSB Save As You Earn Account

Choose when: You maintain a long-term incremental saving and seek a minimal maintenance account.

Bonus: None currently available

Description & Laws

Minimal Fresh Deposit: S$0

Minimal Median Daily Left-over: S$50

Drop Under Charge: N/A

Top Cumulative Interest Rate: 2.25% p.a. at all left-over

 

Top for Regular, Substantial Deposits: Maybank iSAVvy Plus

Maybank iSAVvy Plus Savings Account

Choose when: You could regularly deposit substantial amounts for a 6-month duration.

Description & Rules

Minimal Fresh Deposit: S$500

Minimal Regular Daily Left-over: S$500

Drop Under Charge: S$2.

Top Cumulative Interest Rate: 1.94% p.a. at S$50,000 left-over

 

Flexible Prizes for Consistent Savers: OCBC Bonus+

OCBC Bonus+ Savings Account

Choose when: You deposit irregular amounts but seek a bonus upon your accumulation of deposits. 

Description & Rules

Minimal Fresh Deposit: S$5,000

Minimal Typical Daily Left-over: S$3,000

Drop under charge: S$2

Top Cumulative Interest Rate: 0.50% p.a. at any left-over

 

Top Interest for Fresh Deposits: Maybank iSAVvy Savings Account

Maybank iSAVvy Savings Account

Choose when: You hold a minor-to-medium account left-over and seek a minimal maintenance account.

Bonus: None presently at hand

Description & Rules

Minimal Fresh Deposit: S$500

Minimal Median Daily Left-over: S$500

Drop Under Charge: S$2.

Top Cumulative Interest Rate: 0.50% p.a. at S$200,000+ left-over

Top for Starters with Regular Incomes: OCBC Monthly Savings Account

OCBC Monthly Savings Account

Choose when: You are registering a fresh account and could deposit a minor amount monthly.

Description & Rules

Minimal Fresh Deposit: S$0

Minimal Typical Daily Left-over: S$500

Drop Under Charge: S$2 (Exempted for year 1)

Top Cumulative Interest Rate: 0.10% p.a. for all leftovers

 

Cumulative Rates for Extended-Term Accumulation: Citi Step-Up Savings Account

Citi Step-Up Account

Choose when: You may guarantee to make regular deposits for 12+ months.

Description & Rules

Service Charge: S$15 (Exempted for Citi clients w/ min. S$15k monthly Complete Cumulative Left-over)

Top Cumulative Interest Rate: 0.13% p.a. at S$20,000+ left-over

 

Prizes for Accumulated Savings + EZ-Link Perks: Citi Tap and Save Savings Account

Citi Tap and Save Account

Choose when: You are a regular commuter who deposits regularly.

Description & Rules

Service Charge: S$15 (Exempted for Citi customers w/ min. S$15k monthly Accumulated Account Left-over)

Top Cumulative Interest Rate: 0.13% p.a. at S$20,000+ left-over

Top Basic & Simple Savings Accounts in Singapore

It is not all savings accounts that are complicated–the following choices provide competitive interest rates excluding any extra terms or laws.

 

Best Ground Interest Rates: CIMB FastSaver Savings Account

CIMB FastSaver Account

Choose when: You seek a basic account with best interest rates.

Along with every effective fresh account opening, both account owner & their referring user gain S$10 Takashimaya voucher

Receive S$20 Takashimaya tickets for payments.

Description & Rules

Minimal Fresh Deposit: S$1,000

Minimal Regular Daily Left-over: N/A

Drop Under Charge: N/A

Top Cumulative Interest Rate: 0.30% p.a. at S$100,000

 

 


Editor’s Note:

While every precaution has been made to ensure the accuracy and fairness of this listing, we acknowledge that they may be inaccuracies. Therefore, we urge you to contact the service provider above for the correct information and/or contact us with the correct information.

If you are a service provider and wish to be featured in this listing (MediaOne reviews are read by hundreds of thousands of Singaporeans), please contact us at [email protected]. There is no charge! Please allow us up to 3 working days to review before adjusting the information or including your entry.

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About the Author

Tom Koh

Tom is the CEO and Principal Consultant of MediaOne, a leading digital marketing agency. He has consulted for MNCs like Canon, Maybank, Capitaland, SingTel, ST Engineering, WWF, Cambridge University, as well as Government organisations like Enterprise Singapore, Ministry of Law, National Galleries, NTUC, e2i, SingHealth. His articles are published and referenced in CNA, Straits Times, MoneyFM, Financial Times, Yahoo! Finance, Hubspot, Zendesk, CIO Advisor.

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