Personal Loans Comparison

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Savings Plan Comparison

Free Personal Savings Account Comparison

*Disclaimer: Interest rates and account details for personal savings accounts in Singapore, updated as of 2 July 2026. Several banks (OCBC, UOB, Standard Chartered, Trust Bank, MariBank) revised rates downward earlier in 2026. Verify with official sources for the latest rates and terms.
Standard Chartered

Standard Chartered Bonus$aver

Highest maximum EIR on the market, but requires salary credit + card spend + insurance + investment purchases to hit the top rate

Interest Rate5.85% (max EIR)

Min Initial Deposit$3,000

  • Credit salary of at least S$3,000/month via GIRO
  • Spend at least S$1,000/month on eligible cards
  • Insure: min S$24,000 annual premium; Invest: min S$30,000 with SC to unlock higher tiers
Salary Deposit Card Spend Insurance
OCBC

OCBC 360

Rates were cut on 1 May 2026 (from 5.45% to 4.45% max EIR). Still competitive for customers who can credit salary, save and spend

Interest Rate4.45% (max EIR)

Min Initial Deposit$1,000

  • Realistic rate of ~1.95% p.a. for Salary + Save + Spend on first $100,000
  • 16 years old and above
  • Full 4.45% needs Salary, Save, Spend, Insure and Invest all met
Salary Deposit Card Spend Insurance
UOB

UOB One

Max EIR of 1.90% is earned only at exactly S$150,000 with salary credit + card spend; lower/higher balances earn less

Interest Rate1.90% (max EIR)

Min Initial Deposit$1,000

  • Spend ≥ S$500/month on eligible cards
  • Credit salary ≥ S$1,600/month via GIRO/PayNow for top tier
  • 16 years old and above
Salary Deposit Card Spend
DBS

DBS Multiplier

Rate unchanged since last update. Most flexible for using different transaction categories to earn bonus interest

Interest Rate4.10% (max EIR)

Min Initial Deposit$3,000

  • Credit income + transact in 3 or more categories for the top tier
  • Total eligible transactions of S$30,000+ per month for max rate
  • 16 years old and above; no initial deposit required
Salary Deposit Card Spend
Trust Bank

Trust Bank

Max rate trimmed from 3% to 2.40% (effective March 2026). Digital bank with flexible bonus "scoops" system

Interest Rate2.40%

Min Initial Deposit$0

  • At least 16 years of age
  • Pick any 3 bonus "scoops" monthly (salary credit, card spend, invest, referral, etc.) for max rate on balances up to S$1.2M
Card Spend
MariBank

MariBank

Rate lowered from 2.88% to 0.88% flat. Still no-frills with zero conditions to earn interest

Interest Rate0.88%

Min Initial Deposit$0

  • At least 18 years of age
  • No salary crediting, minimum spend, or minimum balance required

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