Keep your SSB, or switch to SBNOV26?

In multiples of $500.

Keep SBNOV24: interest until it matures on Nov 2034
$2,127.00
Switch to SBNOV26: interest over the same 8 years
$1,880.00
Fees to switch: $2 to redeem, $2 to apply
−$4.00
Over those 8 years
Switching earns $251.00 less after fees: about 2.35% a year against 2.66% a year.

From 2 Nov 2026, when SBNOV26 is issued. Money from redeeming SBNOV24 this month comes back by the second business day of that month, with the interest earned to then. SBNOV26 then keeps paying for another 24 months after SBNOV24 would have matured, at 2.91% to 3.08% a year. Rates are MAS’s; this is the interest only, before any change in rates you might get later.

Applications for SBNOV26 close at 9 pm on 27 Oct, and so do redemption requests for this month.

Full SSB calculator: every payment and date, redeeming early, all the SSBs you hold in one view, and SSB against T-bill and CPF OA.

Data: Monetary Authority of Singapore, checked 23 Oct 2026. Full table and method on Numbers.sg