Bank Picker SG
Compare savings & card rates in Singapore
Your situation
Your data never leaves your deviceHow much you plan to park in the account
Most bonus interest only applies up to a certain cap (e.g. $75k or $100k). Anything above earns the base rate only.
Your take-home pay each month
Some accounts require your employer to deposit your salary directly into that account to unlock bonus interest.
Total you'd spend on that bank's card
This must be on the bank's own credit or debit card — spending on other cards doesn't count.
Recurring payments set up through your bank (utilities, phone, insurance)
GIRO = automatic bank transfers for recurring bills. Count how many separate bill payments you have set up (e.g. SP utilities = 1, Singtel = 1).
Open to buying through your bank?
Some accounts give bonus interest if you hold insurance or investments with them. Only tick if you're genuinely open to it.
How we found these accounts
We cover every savings account available in Singapore — traditional banks (UOB, OCBC, DBS, Standard Chartered, Maybank, BOC, CIMB), digital banks (Trust, GXS, MariBank), and cash management platforms (Chocolate Finance, Syfe, StashAway, Endowus). Rates are scraped directly from each institution's official website twice daily.
What you should know
Results
Ranked by your effective annual rate
Cash Smart Enhanced
Endowus
$146
per month
Not deposit-insured
This is not a bank account. Your money is not protected by Singapore's deposit insurance (SDIC) — unlike bank deposits which are guaranteed up to $100k per bank.
Tip
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SG Finance Tracker lets you log expenses and see exactly where your money goes each month — free, no sign-up needed.
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Cash+ Guaranteed
Syfe
$142
per month
Not deposit-insured
This is not a bank account. Your money is not protected by Singapore's deposit insurance (SDIC) — unlike bank deposits which are guaranteed up to $100k per bank.
Simple Guaranteed
StashAway
$138
per month
Not deposit-insured
This is not a bank account. Your money is not protected by Singapore's deposit insurance (SDIC) — unlike bank deposits which are guaranteed up to $100k per bank.
Trust Savings
Trust Bank
$104
per month
OCBC 360 Account
OCBC
$85
per month
DBS Multiplier
DBS
$77
per month
Chocolate Finance
Chocolate Finance
$62
per month
Not deposit-insured
This is not a bank account. Your money is not protected by Singapore's deposit insurance (SDIC) — unlike bank deposits which are guaranteed up to $100k per bank.
SaveUp Account
Maybank
$50
per month
UOB One Account
UOB
$44
per month
BonusSaver
Standard Chartered
$44
per month
SmartSaver
Bank of China
$25
per month
Effective rates are estimates based on your inputs. Always verify with the bank before switching.
Disclaimer
Bank Picker SG is an independent tool for informational purposes only. It is not financial advice and does not constitute a recommendation to open any account. Rates shown are estimates calculated from publicly available information — always verify current terms directly with the bank before making any financial decision.
We are not affiliated with, endorsed by, or responsible for any of the banks or financial institutions listed. We accept no liability for decisions made based on this tool.
Privacy policy →Your situation
Your data never leaves your deviceHow much you plan to park in the account
Most bonus interest only applies up to a certain cap (e.g. $75k or $100k). Anything above earns the base rate only.
Your take-home pay each month
Some accounts require your employer to deposit your salary directly into that account to unlock bonus interest.
Total you'd spend on that bank's card
This must be on the bank's own credit or debit card — spending on other cards doesn't count.
Recurring payments set up through your bank (utilities, phone, insurance)
GIRO = automatic bank transfers for recurring bills. Count how many separate bill payments you have set up (e.g. SP utilities = 1, Singtel = 1).
Open to buying through your bank?
Some accounts give bonus interest if you hold insurance or investments with them. Only tick if you're genuinely open to it.