Rates · Bank data
Fixed deposit rates in Singapore today, bank by bank
Every bank’s and finance company’s fixed deposit rates, read from their own pages twice a day: the deals for your amount and what each one needs.
Highest 12-month rate, no banking tier needed
2.30% a year
CIMB, online promotion
online · S$10,000+ · until 30 Nov
Its board rate for this term is 0.30%; ask the bank what a deposit renews at. Read from CIMB’s rates page at 3:35 pm, 13 Nov.
Highest rate for each term
- 3 months
- 2.30% Bank of China, S$200,000+
- 6 months
- 2.30% Bank of China, S$200,000+
- 9 months
- 2.20% CIMB, S$10,000+
- 12 months
- 2.30% CIMB, S$10,000+
- 18 months
- 2.15% HL Bank, S$10,000+
- 24 months
- 2.20% HL Bank, S$10,000+
No banking tier needed; the smallest deposit that gets the rate after the bank. Every bank
On S$50,000 for 12 months: $1,150 at CIMB (2.30%), against $25 at DBS’s board rate of 0.05%. Your own amount
The deals for your amount
The highest headline rate is rarely the one you can get. Most promotions need a minimum amount, fresh funds or the bank’s app, and some are only for priority clients or new customers. Put in your amount and term, untick what you can’t do, and you see the deals that fit, highest first, with the interest you’d get at the end.
Every bank, side by side
The highest 6 and 12-month rate each bank and finance company offers without a banking tier, what it needs, and the board rate: the bank’s standard rate for deposits outside a promotion.
| Bank, and what the 12-month rate needs | 6 months | 12 months | Board rate, 12 months |
|---|---|---|---|
| CIMBonline · S$10,000+ · until 30 Nov. Every CIMB rate, ranked | 2.20%2.25% Preferred Banking | 2.30%2.35% Preferred Banking | 0.30–0.35% |
| Maybankfresh funds · 2.40% on the deposit, S$1,000 kept in savings per S$10,000 · S$22,000+ · checked by hand 8 Nov. Every Maybank rate, ranked | 2.10% | 2.19% | 0.35% |
| HL Bankonline · S$10,000+ | 2.10% | 2.10% | – |
| Bank of Chinain the app · S$20,000+ | 2.30% | 2.10% | – |
| Singapura Finance finance companyat a branch · S$20,000+ | 1.98% | 2.10% | – |
| RHBS$20,000+ · checked by hand 8 Nov | 2.00%2.10% RHB Premier | 2.10%2.20% RHB Premier | – |
| CitibankCitigold · online · fresh funds · S$5,000 to S$5,000,000 | –2.00% Citigold | – | – |
| Hong Leong Finance finance companyonline · S$20,000+. Every HLF rate, ranked | 1.75% | 1.90% | 0.25–0.35% |
| OCBConline · fresh funds · S$20,000+ · checked by hand 10 Nov. Every OCBC rate, ranked | 1.55% | 1.85% | 0.10–0.50% |
| ICBConline · S$200,000+ | 1.85% | – | – |
| GXS Bank digital bankin the app | – | 1.75% | – |
| UOBin the app · fresh funds · S$10,000+ · until 30 Nov. Every UOB rate, ranked | 1.60% | 1.70% | 1.00% |
| Standard Charteredonline · fresh funds · S$25,000+ · until 19 Nov | – | 1.60%1.80% Priority Private | – |
| HSBCin the app · fresh funds · S$30,000+ | 1.80%2.00% HSBC Premier Elite | 1.30%1.70% HSBC Premier Elite | – |
| DBSS$1,000 to S$19,999. Every DBS rate, ranked | 0.80% | 1.00% | 0.05–1.00% |
| POSBS$1,000 to S$19,999 | 0.80% | 1.00% | 0.05–1.00% |
| Sing Investments & Finance finance company not readTheir page doesn’t answer our automatic read, so we show no rates. See their rates. | – | – | – |
Highest rate that needs no banking tier, at any amount; a higher rate for a tier is shown under it. The board rate is the bank’s standard rate for deposits outside a promotion; a range means it depends on the amount. Each bank’s name links to the page we read.
Every rate we read, bank by bank
% a year by term in months; “m” is months. Foreign-currency, CPF and SRS deposits are not included.
DBS
Fixed deposit board rate S$1,000 to S$9,999
1m 0.05 · 2m 0.05 · 3m 0.15 · 4m 0.25 · 5m 0.40 · 6m 0.80 · 7m 0.95 · 8m 1.00 · 9m 1.00 · 10m 1.00 · 11m 1.00 · 12m 1.00
New placements up to 12 months. The rate is set by your total SGD fixed deposit balance at DBS, not each placement.
Fixed deposit board rate S$10,000 to S$19,999
1m 0.05 · 2m 0.05 · 3m 0.15 · 4m 0.25 · 5m 0.40 · 6m 0.80 · 7m 0.95 · 8m 1.00 · 9m 1.00 · 10m 1.00 · 11m 1.00 · 12m 1.00
New placements up to 12 months. The rate is set by your total SGD fixed deposit balance at DBS, not each placement.
Fixed deposit board rate S$20,000 to S$49,999
1m 0.05 · 2m 0.05 · 3m 0.05 · 4m 0.05 · 5m 0.05 · 6m 0.05 · 7m 0.05 · 8m 0.05 · 9m 0.05 · 10m 0.05 · 11m 0.05 · 12m 0.05
New placements up to 12 months. The rate is set by your total SGD fixed deposit balance at DBS, not each placement.
Fixed deposit board rate S$50,000 to S$99,999
1m 0.05 · 2m 0.05 · 3m 0.05 · 4m 0.05 · 5m 0.05 · 6m 0.05 · 7m 0.05 · 8m 0.05 · 9m 0.05 · 10m 0.05 · 11m 0.05 · 12m 0.05
New placements up to 12 months. The rate is set by your total SGD fixed deposit balance at DBS, not each placement.
Fixed deposit board rate S$100,000 to S$249,999
1m 0.05 · 2m 0.05 · 3m 0.05 · 4m 0.05 · 5m 0.05 · 6m 0.05 · 7m 0.05 · 8m 0.05 · 9m 0.05 · 10m 0.05 · 11m 0.05 · 12m 0.05
New placements up to 12 months. The rate is set by your total SGD fixed deposit balance at DBS, not each placement.
Fixed deposit board rate S$250,000 to S$499,999
1m 0.05 · 2m 0.05 · 3m 0.05 · 4m 0.05 · 5m 0.05 · 6m 0.05 · 7m 0.05 · 8m 0.05 · 9m 0.05 · 10m 0.05 · 11m 0.05 · 12m 0.05
New placements up to 12 months. The rate is set by your total SGD fixed deposit balance at DBS, not each placement.
Fixed deposit board rate S$500,000 to S$999,999
1m 0.05 · 2m 0.05 · 3m 0.05 · 4m 0.05 · 5m 0.05 · 6m 0.05 · 7m 0.05 · 8m 0.05 · 9m 0.05 · 10m 0.05 · 11m 0.05 · 12m 0.05
New placements up to 12 months. The rate is set by your total SGD fixed deposit balance at DBS, not each placement.
Read 3:35 pm, 13 Nov from DBS’s page; the bank dates these rates 13 Nov 2026. DBS fixed deposit rates, ranked
POSB
Fixed deposit board rate S$1,000 to S$9,999
1m 0.05 · 2m 0.05 · 3m 0.15 · 4m 0.25 · 5m 0.40 · 6m 0.80 · 7m 0.95 · 8m 1.00 · 9m 1.00 · 10m 1.00 · 11m 1.00 · 12m 1.00
New placements up to 12 months. The rate is set by your total SGD fixed deposit balance at POSB, not each placement.
Fixed deposit board rate S$10,000 to S$19,999
1m 0.05 · 2m 0.05 · 3m 0.15 · 4m 0.25 · 5m 0.40 · 6m 0.80 · 7m 0.95 · 8m 1.00 · 9m 1.00 · 10m 1.00 · 11m 1.00 · 12m 1.00
New placements up to 12 months. The rate is set by your total SGD fixed deposit balance at POSB, not each placement.
Fixed deposit board rate S$20,000 to S$49,999
1m 0.05 · 2m 0.05 · 3m 0.05 · 4m 0.05 · 5m 0.05 · 6m 0.05 · 7m 0.05 · 8m 0.05 · 9m 0.05 · 10m 0.05 · 11m 0.05 · 12m 0.05
New placements up to 12 months. The rate is set by your total SGD fixed deposit balance at POSB, not each placement.
Fixed deposit board rate S$50,000 to S$99,999
1m 0.05 · 2m 0.05 · 3m 0.05 · 4m 0.05 · 5m 0.05 · 6m 0.05 · 7m 0.05 · 8m 0.05 · 9m 0.05 · 10m 0.05 · 11m 0.05 · 12m 0.05
New placements up to 12 months. The rate is set by your total SGD fixed deposit balance at POSB, not each placement.
Fixed deposit board rate S$100,000 to S$249,999
1m 0.05 · 2m 0.05 · 3m 0.05 · 4m 0.05 · 5m 0.05 · 6m 0.05 · 7m 0.05 · 8m 0.05 · 9m 0.05 · 10m 0.05 · 11m 0.05 · 12m 0.05
New placements up to 12 months. The rate is set by your total SGD fixed deposit balance at POSB, not each placement.
Fixed deposit board rate S$250,000 to S$499,999
1m 0.05 · 2m 0.05 · 3m 0.05 · 4m 0.05 · 5m 0.05 · 6m 0.05 · 7m 0.05 · 8m 0.05 · 9m 0.05 · 10m 0.05 · 11m 0.05 · 12m 0.05
New placements up to 12 months. The rate is set by your total SGD fixed deposit balance at POSB, not each placement.
Fixed deposit board rate S$500,000 to S$999,999
1m 0.05 · 2m 0.05 · 3m 0.05 · 4m 0.05 · 5m 0.05 · 6m 0.05 · 7m 0.05 · 8m 0.05 · 9m 0.05 · 10m 0.05 · 11m 0.05 · 12m 0.05
New placements up to 12 months. The rate is set by your total SGD fixed deposit balance at POSB, not each placement.
Read 3:35 pm, 13 Nov from POSB’s page; the bank dates these rates 13 Nov 2026.
OCBC
Promotion (branch) at a branch · fresh funds · S$20,000+ · checked by hand 10 Nov
6m 1.50 · 12m 1.80
Fresh funds only.
Promotion (online) online · fresh funds · S$20,000+ · checked by hand 10 Nov
6m 1.55 · 12m 1.85
Fresh funds only.
Board rate board rate S$5,000 to S$20,000 · checked by hand 10 Nov
1m 0.05 · 2m 0.05 · 3m 0.10 · 4m 0.10 · 5m 0.10 · 6m 0.20 · 7m 0.20 · 8m 0.20 · 9m 0.30 · 10m 0.40 · 11m 0.40 · 12m 0.50 · 13m 0.50 · 14m 0.50 · 15m 0.80 · 16m 0.80 · 18m 1.05 · 20m 1.05
Board rate board rate S$20,001 to S$50,000 · checked by hand 10 Nov
1m 0.05 · 2m 0.05 · 3m 0.05 · 4m 0.05 · 5m 0.05 · 6m 0.10 · 7m 0.10 · 8m 0.10 · 9m 0.10 · 10m 0.10 · 11m 0.10 · 12m 0.10 · 13m 0.15 · 14m 0.15 · 15m 0.20 · 16m 0.20 · 18m 0.20 · 20m 0.20
Board rate board rate S$50,001 to S$99,999 · checked by hand 10 Nov
1m 0.05 · 2m 0.05 · 3m 0.05 · 4m 0.05 · 5m 0.05 · 6m 0.10 · 7m 0.10 · 8m 0.10 · 9m 0.10 · 10m 0.10 · 11m 0.10 · 12m 0.10 · 13m 0.15 · 14m 0.15 · 15m 0.20 · 16m 0.20 · 18m 0.20 · 20m 0.20
Board rate board rate S$100,000 to S$249,999 · checked by hand 10 Nov
1m 0.05 · 2m 0.05 · 3m 0.05 · 4m 0.05 · 5m 0.05 · 6m 0.10 · 7m 0.10 · 8m 0.10 · 9m 0.10 · 10m 0.10 · 11m 0.10 · 12m 0.10 · 13m 0.15 · 14m 0.15 · 15m 0.20 · 16m 0.20 · 18m 0.20 · 20m 0.20
Board rate board rate S$250,000 to S$499,999 · checked by hand 10 Nov
1m 0.05 · 2m 0.05 · 3m 0.05 · 4m 0.05 · 5m 0.05 · 6m 0.10 · 7m 0.10 · 8m 0.10 · 9m 0.10 · 10m 0.10 · 11m 0.10 · 12m 0.10 · 13m 0.15 · 14m 0.15 · 15m 0.20 · 16m 0.20 · 18m 0.20 · 20m 0.20
Board rate board rate S$500,000 to S$999,999 · checked by hand 10 Nov
1m 0.05 · 2m 0.05 · 3m 0.05 · 4m 0.05 · 5m 0.05 · 6m 0.10 · 7m 0.10 · 8m 0.10 · 9m 0.10 · 10m 0.10 · 11m 0.10 · 12m 0.10 · 13m 0.15 · 14m 0.15 · 15m 0.20 · 16m 0.20 · 18m 0.20 · 20m 0.20
Checked by hand on 10 Nov 2026 from OCBC’s page. OCBC fixed deposit rates, ranked
UOB
TMRW app promotion in the app · fresh funds · S$10,000+ · until 30 Nov
6m 1.60 · 10m 1.65 · 12m 1.70
Fresh funds only, placed in the UOB TMRW app. No interest if withdrawn early.
Board rate board rate up to S$49,999
1m 0.05 · 2m 0.05 · 3m 0.10 · 4m 0.10 · 5m 0.15 · 6m 0.30 · 7m 0.50 · 8m 0.70 · 9m 0.80 · 10m 0.90 · 11m 1.00 · 12m 1.00 · 13m 1.00 · 14m 1.00 · 15m 1.00 · 18m 1.00 · 24m 1.00 · 36m 1.00
Board rate board rate S$50,000 to S$249,999
1m 0.05 · 2m 0.05 · 3m 0.10 · 4m 0.10 · 5m 0.15 · 6m 0.30 · 7m 0.50 · 8m 0.70 · 9m 0.80 · 10m 0.90 · 11m 1.00 · 12m 1.00 · 13m 1.00 · 14m 1.00 · 15m 1.00 · 18m 1.00 · 24m 1.00 · 36m 1.00
Board rate board rate S$250,000 to S$499,999
1m 0.05 · 2m 0.05 · 3m 0.10 · 4m 0.10 · 5m 0.15 · 6m 0.30 · 7m 0.50 · 8m 0.70 · 9m 0.80 · 10m 0.90 · 11m 1.00 · 12m 1.00 · 13m 1.00 · 14m 1.00 · 15m 1.00 · 18m 1.00 · 24m 1.00 · 36m 1.00
Board rate board rate S$500,000 to S$999,999
1m 0.05 · 2m 0.05 · 3m 0.10 · 4m 0.10 · 5m 0.15 · 6m 0.30 · 7m 0.50 · 8m 0.70 · 9m 0.80 · 10m 0.90 · 11m 1.00 · 12m 1.00 · 13m 1.00 · 14m 1.00 · 15m 1.00 · 18m 1.00 · 24m 1.00 · 36m 1.00
Read 3:35 pm, 13 Nov from UOB’s page. UOB fixed deposit rates, ranked
Maybank
iSAVvy online rate board rate online · S$5,000 to S$19,999
1m 0.15 · 2m 0.15 · 3m 0.25 · 6m 0.30 · 9m 0.40
Placed online (iSAVvy). Maybank’s Deposits Bundle and time deposit promotion are listed separately, checked by hand on its promotion page.
Board rate board rate S$10,000+
1m 0.10
1 month needs S$10,000.
iSAVvy online rate board rate online · S$20,000 to S$50,000
1m 0.15 · 2m 0.15 · 3m 0.25 · 6m 2.10 · 9m 1.90 · 12m 2.10 · 15m 0.40 · 18m 0.45 · 24m 0.55
Placed online (iSAVvy). Maybank’s Deposits Bundle and time deposit promotion are listed separately, checked by hand on its promotion page.
iSAVvy online rate board rate online · S$50,001 to S$249,999
1m 0.15 · 2m 0.15 · 3m 0.25 · 6m 2.10 · 9m 1.90 · 12m 2.10 · 15m 0.40 · 18m 0.45 · 24m 0.55
Placed online (iSAVvy). Maybank’s Deposits Bundle and time deposit promotion are listed separately, checked by hand on its promotion page.
iSAVvy online rate board rate online · S$250,000 to S$1,000,000
1m 0.15 · 2m 0.15 · 3m 0.25 · 6m 2.10 · 9m 1.90 · 12m 2.10 · 15m 0.40 · 18m 0.45 · 24m 0.55
Placed online (iSAVvy). Maybank’s Deposits Bundle and time deposit promotion are listed separately, checked by hand on its promotion page.
Board rate board rate S$1,000+
2m 0.10 · 3m 0.20 · 6m 0.25 · 9m 0.35 · 12m 0.35 · 18m 0.40 · 24m 0.50
Deposits Bundle fresh funds · 2.25% on the deposit, S$1,000 kept in savings per S$10,000 · S$22,000+ · checked by hand 8 Nov
9m 2.05 · 12m 2.19
Rates on the time deposit: 2.25% for 9 months, 2.40% for 12 months, with S$1,000 of fresh funds put into a Maybank savings or current account for every S$10,000 placed and held there for the same term (terms 2 to 6). Ranked at Maybank’s own effective rates, 2.05% and 2.19%, which count that savings money at 0.05%. Individuals only; at least S$20,000 placed plus S$2,000 in savings.
Time deposit promotion S$20,000+ · checked by hand 8 Nov
6m 2.10 · 9m 1.90 · 12m 2.10
For Singapore-dollar time deposits, Term Deposit-i and iSAVvy, at a branch or online; individuals only (promotion terms 2 and 3).
Read 3:35 pm, 13 Nov from Maybank’s page. Maybank fixed deposit rates, ranked
CIMB
Online promotion online · S$10,000+ · until 30 Nov
3m 1.35 · 6m 2.20 · 9m 2.20 · 12m 2.30
Online promotion Preferred Banking · online · S$10,000+ · until 30 Nov
3m 1.40 · 6m 2.25 · 9m 2.25 · 12m 2.35
Board rate board rate S$1,000 to S$99,999
1m 0.20 · 2m 0.25 · 3m 0.30 · 6m 0.30 · 9m 0.30 · 12m 0.30 · 18m 0.30 · 24m 0.30
1 and 2 months need S$5,000 or more.
Board rate board rate S$100,000+
1m 0.20 · 2m 0.30 · 3m 0.35 · 6m 0.35 · 9m 0.35 · 12m 0.35 · 18m 0.35 · 24m 0.35
1 and 2 months need S$5,000 or more.
Read 3:35 pm, 13 Nov from CIMB’s page. CIMB fixed deposit rates, ranked
HL Bank
Promotion (online) online · S$10,000+
6m 2.10 · 12m 2.10 · 18m 2.15 · 24m 2.20
Fresh funds or money moved from an HL Bank savings or current account.
Promotion (branch) at a branch · S$100,000+
6m 2.10 · 12m 2.10 · 18m 2.15 · 24m 2.20
Fresh funds or money moved from an HL Bank savings or current account.
Read 3:35 pm, 13 Nov from HL Bank’s page; the bank dates these rates 2 Nov 2026.
Bank of China
Mobile banking promotion in the app · S$500+
1m 1.10 · 2m 1.20 · 5m 1.50 · 18m 1.60 · 24m 1.55
New placements in the BOC mobile app; needs a BOC savings or current account.
Mobile banking promotion in the app · S$500 to S$19,999
3m 1.60 · 6m 1.70 · 9m 1.70 · 12m 1.70
New placements in the BOC mobile app; needs a BOC savings or current account.
Mobile banking promotion in the app · S$20,000 to S$199,999
3m 2.10 · 6m 2.10
New placements in the BOC mobile app; needs a BOC savings or current account.
Mobile banking promotion in the app · S$200,000+
3m 2.30 · 6m 2.30
New placements in the BOC mobile app; needs a BOC savings or current account.
Mobile banking promotion in the app · S$20,000+
9m 2.10 · 12m 2.10
New placements in the BOC mobile app; needs a BOC savings or current account.
Read 3:35 pm, 13 Nov from BOC’s page; the bank dates these rates 10 Nov 2026.
ICBC
E-banking promotion online · S$500 to S$19,999
1m 1.05 · 3m 1.25 · 6m 1.30 · 9m 1.10
E-banking promotion online · S$20,000 to S$199,999
1m 1.10 · 3m 1.30 · 6m 1.80 · 9m 1.80
E-banking promotion online · S$200,000+
1m 1.10 · 3m 1.30 · 6m 1.85 · 9m 1.85
Read 3:35 pm, 13 Nov from ICBC’s page.
Standard Chartered
Fresh funds promotion online · fresh funds · S$25,000+ · until 19 Nov
12m 1.60
Fresh funds only, placed in SC Mobile or Online Banking; held to maturity.
Fresh funds promotion Priority Banking · online · fresh funds · S$25,000+ · until 19 Nov
12m 1.70
Fresh funds only, placed in SC Mobile or Online Banking; held to maturity.
Fresh funds promotion Priority Private · online · fresh funds · S$25,000+ · until 19 Nov
12m 1.80
Fresh funds only, placed in SC Mobile or Online Banking; held to maturity.
Read 3:35 pm, 13 Nov from Standard Chartered’s page.
Citibank
Citigold promotion Citigold · online · fresh funds · S$5,000 to S$5,000,000
3m 1.55 · 6m 2.00 · 9m 1.70
New funds only. For Citigold clients.
New-to-bank promotion New customers · online · fresh funds · S$250,000 to S$1,499,999
3m 1.55 · 6m 2.00
New funds only. For customers new to Citibank.
New-to-bank promotion New customers · online · fresh funds · S$1,500,000 to S$5,000,000
3m 1.55 · 6m 2.00
New funds only. For customers new to Citibank.
Read 3:35 pm, 13 Nov from Citibank’s page.
HSBC
App promotion in the app · fresh funds · S$30,000+
3m 1.40 · 6m 1.80 · 9m 1.20 · 12m 1.30
Fresh funds only, placed in the HSBC Singapore app.
App promotion HSBC Premier Elite · in the app · fresh funds · S$30,000+
3m 1.60 · 6m 2.00 · 9m 1.60 · 12m 1.70
Fresh funds only, placed in the HSBC Singapore app.
App promotion HSBC Premier with wealth holdings or Premier FX Engaged · in the app · fresh funds · S$30,000+
3m 1.60 · 6m 2.00 · 9m 1.55 · 12m 1.65
Fresh funds only, placed in the HSBC Singapore app.
App promotion HSBC Premier without wealth holdings · in the app · fresh funds · S$30,000+
3m 1.60 · 6m 2.00 · 9m 1.25 · 12m 1.35
Fresh funds only, placed in the HSBC Singapore app.
Read 3:35 pm, 13 Nov from HSBC’s page.
Hong Leong Finance
HLF Digital promotion online · S$5,000 to S$19,999
6m 1.55 · 9m 1.60 · 12m 1.70
Placed online in HLF Digital; needs an HLF savings account.
Branch promotion at a branch · S$20,000 to S$99,999
6m 1.65 · 9m 1.70 · 12m 1.80
New placements at a branch. HLF's page doesn't say whether renewals get this rate.
HLF Digital promotion online · S$20,000+
6m 1.75 · 9m 1.80 · 12m 1.90
Placed online in HLF Digital; needs an HLF savings account.
Branch promotion at a branch · S$100,000+
6m 1.75 · 9m 1.80 · 12m 1.90
New placements at a branch. HLF's page doesn't say whether renewals get this rate.
Special promotion fresh funds · S$20,000+
8m 2.08
Fresh funds only, at a branch or online.
Board rate board rate S$10,000 to S$50,000
1m 0.05 · 2m 0.05
Special rate board rate S$50,001 to S$999,999
1m 0.13 · 2m 0.13 · 3m 0.15 · 4m 0.15 · 5m 0.15 · 6m 0.20 · 7m 0.20 · 8m 0.20 · 9m 0.30 · 10m 0.30 · 11m 0.30 · 12m 0.35 · 13m 0.35 · 15m 0.40 · 18m 0.40 · 21m 0.40 · 24m 0.40 · 30m 0.40 · 36m 0.40
Above S$50,000. For S$1 million and more, HLF quotes at its branches.
Board rate board rate S$500 to S$50,000
3m 0.10 · 4m 0.10 · 5m 0.10 · 6m 0.15 · 7m 0.15 · 8m 0.15 · 9m 0.20 · 10m 0.20 · 11m 0.20 · 12m 0.25 · 13m 0.25 · 15m 0.30 · 18m 0.30 · 21m 0.30 · 24m 0.30 · 30m 0.30 · 36m 0.30
Read 3:35 pm, 13 Nov from HLF’s page. HLF fixed deposit rates, ranked
Singapura Finance
Counter promotion at a branch · S$20,000+
6m 1.98 · 12m 2.10 · 18m 2.10 · 24m 2.10
At a Singapura Finance branch; needs a Singapura Finance savings account. No interest if withdrawn early.
Vivid Fixed Deposit (app) Singapore citizens and PRs · in the app · S$10,000 to S$100,000
8m 2.12
Placed in the SFL Go app from a Vivid Savings Account.
Read 3:35 pm, 13 Nov from Singapura Finance’s page; the bank dates these rates 5 Nov 2026.
GXS Bank
Boost Pocket board rate in the app
1m 1.01 · 3m 1.50 · 3m 1.22 · 4m 1.60 · 4m 1.40 · 8m 1.70 · 12m 1.75 · 18m 2.00
0.88% base interest credited daily plus a 0.13% bonus paid only if the pocket is kept to the end of its term; a fixed-term pocket in the GXS Savings Account, opened in the app.
Read 3:35 pm, 13 Nov from GXS’s page.
RHB
Fixed deposit promotion S$20,000+ · checked by hand 8 Nov
3m 1.60 · 6m 2.00 · 12m 2.10
At any RHB branch or in the RHB Mobile SG app; individuals aged 18 and over. Deposits on auto-renewal get the promotion rate in force on the renewal date. RHB charges no penalty for withdrawing a Singapore-dollar fixed deposit early.
Fixed deposit promotion RHB Premier · S$200,000 total with RHB · S$20,000+ · checked by hand 8 Nov
3m 1.70 · 6m 2.10 · 12m 2.20
At any RHB branch or in the RHB Mobile SG app; individuals aged 18 and over. Deposits on auto-renewal get the promotion rate in force on the renewal date. RHB charges no penalty for withdrawing a Singapore-dollar fixed deposit early. RHB Premier needs a total balance of S$200,000 with RHB (deposits and investments).
Checked by hand on 8 Nov 2026 from RHB’s page.
Every bank and term at a glance
At 13 of these 15 banks the best rate is for 6 to 12 months: that is where the promotions are, with board rates either side. HL Bank and GXS pay more to lock in for longer than a year.
| Bank | 1 mth | 3 mths | 6 mths | 9 mths | 1 yr | 18 mths | 2 yrs |
|---|---|---|---|---|---|---|---|
| CIMB | 0.20 | 1.35 | 2.20 | 2.20 | 2.30 | 0.35 | 0.35 |
| BOC | 1.10 | 2.30 | 2.30 | 2.10 | 2.10 | 1.60 | 1.55 |
| HL Bank | none– | none– | 2.10 | none– | 2.10 | 2.15 | 2.20 |
| Maybank | 0.15 | 0.25 | 2.10 | 2.05 | 2.19 | 0.45 | 0.55 |
| Singapura Finance | none– | none– | 1.98 | none– | 2.10 | 2.10 | 2.10 |
| RHB | none– | 1.60 | 2.00 | none– | 2.10 | none– | none– |
| GXS | 1.01 | 1.50 | none– | none– | 1.75 | 2.00 | none– |
| HLF | 0.13 | 0.15 | 1.75 | 1.80 | 1.90 | 0.40 | 0.40 |
| OCBC | 0.05 | 0.10 | 1.55 | 0.30 | 1.85 | 1.05 | none– |
| ICBC | 1.10 | 1.30 | 1.85 | 1.85 | none– | none– | none– |
| HSBC | none– | 1.40 | 1.80 | 1.20 | 1.30 | none– | none– |
| UOB | 0.05 | 0.10 | 1.60 | 0.80 | 1.70 | 1.00 | 1.00 |
| Standard Chartered | none– | none– | none– | none– | 1.60 | none– | none– |
| DBS | 0.05 | 0.15 | 0.80 | 1.00 | 1.00 | none– | none– |
| POSB | 0.05 | 0.15 | 0.80 | 1.00 | 1.00 | none– | none– |
% a year: the best rate anyone can get at each bank, at any amount it takes, for a new placement. A dash: no deposit for that term. Each bank’s name goes to every rate it publishes, below.
What changed
| Day | Bank and deal | Was | Now |
|---|---|---|---|
| 13 Nov | GXS Bank Boost Pocket, 3 months | 1.22% | 1.50% up 0.28 percentage points |
| 13 Nov | GXS Bank Boost Pocket, 4 months | 1.40% | 1.60% up 0.20 percentage points |
| 13 Nov | GXS Bank Boost Pocket, 3 months | 1.22% | 1.50% up 0.28 percentage points |
| 13 Nov | GXS Bank Boost Pocket, 4 months | 1.40% | 1.60% up 0.20 percentage points |
| 12 Nov | GXS Bank Boost Pocket, 3 months | 1.22% | 1.50% up 0.28 percentage points |
| 12 Nov | GXS Bank Boost Pocket, 4 months | 1.40% | 1.60% up 0.20 percentage points |
| 12 Nov | GXS Bank Boost Pocket, 3 months | 1.22% | 1.50% up 0.28 percentage points |
| 12 Nov | GXS Bank Boost Pocket, 4 months | 1.40% | 1.60% up 0.20 percentage points |
| 11 Nov | Bank of China Mobile banking promotion, 3 months, S$20,000+ | 1.70% | 2.10% up 0.40 percentage points |
| 11 Nov | Bank of China Mobile banking promotion, 3 months, S$200,000+ | new | 2.30% |
| 11 Nov | Bank of China Mobile banking promotion, 6 months, S$20,000+ | 2.05% | 2.10% up 0.05 percentage points |
| 11 Nov | Bank of China Mobile banking promotion, 6 months, S$200,000+ | new | 2.30% |
| 11 Nov | Bank of China Mobile banking promotion, 9 months, S$20,000+ | 2.05% | 2.10% up 0.05 percentage points |
| 11 Nov | Bank of China Mobile banking promotion, 18 months, S$200,000+ | 1.65% | ended |
| 11 Nov | GXS Bank Boost Pocket, 3 months | 1.22% | 1.50% up 0.28 percentage points |
| 11 Nov | GXS Bank Boost Pocket, 4 months | 1.40% | 1.60% up 0.20 percentage points |
| 11 Nov | GXS Bank Boost Pocket, 3 months | 1.22% | 1.50% up 0.28 percentage points |
| 11 Nov | GXS Bank Boost Pocket, 4 months | 1.40% | 1.60% up 0.20 percentage points |
| 10 Nov | GXS Bank Boost Pocket, 3 months | 1.22% | 1.50% up 0.28 percentage points |
| 10 Nov | GXS Bank Boost Pocket, 4 months | 1.40% | 1.60% up 0.20 percentage points |
Promotions ending soon
| Last day | Bank and deal | Rate |
|---|---|---|
| Thu 19 Nov in 6 days | Standard Chartered Fresh funds promotion, 12 months | up to 1.80% |
| Mon 30 Nov in 17 days | CIMB Online promotion, 12 months | up to 2.35% |
| Mon 30 Nov in 17 days | UOB TMRW app promotion, 12 months | up to 1.70% |
The end date each bank gives on its page; most promotions without one can also end at any time. After the last day, a placement gets the bank’s new rate.
Fixed deposit, T-bill or Savings Bond?
All three are safe places for Singapore dollars, and all three pay interest you don’t pay tax on. They differ in how long your money is tied up and what happens if you need it back early. What each grows to over several years, with top-ups, is in our compound interest calculator; for US dollars, see US dollar fixed deposit rates and where the extra interest beats the cost of changing money.
| Where | % a year | Which |
|---|---|---|
| Highest 12-month fixed deposit | 2.30% | CIMB, online · S$10,000+ · until 30 Nov |
| 1-year T-bill | 1.92% | Cut-off yield, auction of 15 Oct |
| 6-month T-bill | 1.86% | Cut-off yield, auction of 4 Nov |
| Savings Bond, year 1 | 1.83% | SBDEC26; 2.39% a year if held 10 years |
| CPF Ordinary Account | 2.50% | Until 31 Dec 2026; not cash you can move |
How they differ
| What | Fixed deposit | T-bill | Savings Bond |
|---|---|---|---|
| Smallest amount | Often S$10,000 to S$20,000 for the top rates | S$1,000 | S$500 |
| Most you can put in | No limit (insured to S$100,000) | No limit | S$200,000 in all bonds |
| Need the money early? | Break it; you often lose some or all of the interest | Sell through your bank, at the market price | Cash out in any month, no penalty; paid the next month |
| When it ends | Often renews on its own, at a rate the bank sets; tell the bank what you want before it ends | Paid back to you | Pays to the end of 10 years |
| Rate known | When you place it | After the auction | Before you apply |
Interest from all three is not taxed for individuals in Singapore. A fixed deposit is the only one where the rate depends on the bank, the amount and the deal, which is why it pays to compare.
Spread it out: a fixed deposit ladder
A ladder splits your money across terms that end at different times, so part of it comes back every few months instead of all of it being locked up for a year. Put in a total and see where each part would earn the most today.
Is my money safe?
Your deposit is insured up to S$100,000 per bank
If a bank or finance company in the Deposit Insurance Scheme fails, the Singapore Deposit Insurance Corporation (SDIC) pays back up to S$100,000 of your Singapore-dollar deposits with it: fixed deposits and savings added together. All 17 banks and finance companies on this page are members. DBS and POSB are one member (DBS Bank), so S$100,000 covers both together.
Above S$100,000, spreading money across members keeps all of it insured. CPF Investment Scheme and Retirement Sum Scheme money with a bank is insured separately, up to another S$100,000.
From SDIC and its list of members, checked 24 Oct 2026. Foreign-currency deposits are not insured.
Fixed deposit rates since 1983
MAS published the average rates of Singapore’s leading banks every month from 1983 until June 2021. The average 12-month deposit paid about 7% in 1983 and 1984 and about 6% in 1990; from 2003 to 2021 it stayed under 1%, falling to 0.24% in 2021.
12-month fixed deposit Savings account
Tap or hover on the chart to read a value.
Every year from 1983 to 2021
| Year | 3 months | 6 months | 12 months | Savings |
|---|---|---|---|---|
| 2021Jan to Jun | 0.12% | 0.16% | 0.24% | 0.08% |
| 2020 | 0.18% | 0.23% | 0.46% | 0.13% |
| 2019 | 0.20% | 0.26% | 0.55% | 0.16% |
| 2018 | 0.16% | 0.23% | 0.38% | 0.16% |
| 2017 | 0.14% | 0.20% | 0.33% | 0.16% |
| 2016 | 0.19% | 0.25% | 0.35% | 0.14% |
| 2015 | 0.17% | 0.23% | 0.33% | 0.12% |
| 2014 | 0.14% | 0.21% | 0.32% | 0.11% |
| 2013 | 0.14% | 0.20% | 0.32% | 0.10% |
| 2012 | 0.14% | 0.19% | 0.30% | 0.11% |
| 2011 | 0.17% | 0.24% | 0.40% | 0.12% |
| 2010 | 0.21% | 0.30% | 0.48% | 0.14% |
| 2009 | 0.29% | 0.37% | 0.56% | 0.18% |
| 2008 | 0.42% | 0.54% | 0.73% | 0.23% |
| 2007 | 0.53% | 0.64% | 0.85% | 0.25% |
| 2006 | 0.57% | 0.67% | 0.88% | 0.26% |
| 2005 | 0.44% | 0.55% | 0.76% | 0.24% |
| 2004 | 0.40% | 0.51% | 0.71% | 0.23% |
| 2003 | 0.50% | 0.67% | 0.88% | 0.28% |
| 2002 | 0.87% | 1.14% | 1.39% | 0.56% |
| 2001 | 1.52% | 1.85% | 2.14% | 1.13% |
| 2000 | 1.71% | 2.06% | 2.45% | 1.30% |
| 1999 | 1.68% | 2.04% | 2.46% | 1.36% |
| 1998 | 4.60% | 4.66% | 4.82% | 3.11% |
| 1997 | 3.47% | 3.72% | 4.02% | 2.75% |
| 1996 | 3.41% | 3.67% | 4.01% | 2.72% |
| 1995 | 3.50% | 3.77% | 4.11% | 2.81% |
| 1994 | 3.00% | 3.26% | 3.54% | 2.31% |
| 1993 | 2.30% | 2.54% | 2.84% | 1.62% |
| 1992 | 2.87% | 3.09% | 3.34% | 2.14% |
| 1991 | 4.63% | 4.97% | 5.06% | 3.69% |
| 1990 | 4.67% | 5.11% | 5.51% | 3.50% |
| 1989 | 3.21% | 3.68% | 4.42% | 2.93% |
| 1988 | 2.74% | 3.05% | 3.56% | 2.73% |
| 1987 | 2.89% | 3.09% | 3.47% | 3.04% |
| 1986 | 3.91% | 4.06% | 4.25% | 4.25% |
| 1985 | 4.99% | 5.23% | 5.57% | 5.66% |
| 1984 | 6.98% | 7.03% | 7.16% | 6.92% |
| 1983 | 6.31% | 6.49% | 6.77% | 6.24% |
Yearly average of MAS’s monthly figures, % a year.
Our daily record
12 months 6 months
Tap or hover on the chart to read a value.
Since 24 Oct 2026 we keep our own record: the highest 12-month rate that needs no banking tier, every day, from 2.19% then to 2.30% now. It is in the CSV with every rate we read today.
Singapore interest rates 19 pages
- New · 10 NovHong Leong Finance fixed deposit rates
- USD fixed deposit rates
- CIMB fixed deposit rates
- Money market funds and cash accountsToday’s rates
- T-bill rates and auction results6-month T-bill1.86% down 0.09 percentage points
- Savings Bond ratesSingapore Savings Bond, 10-year average2.39% down 0.06 percentage points
- SORA3-month compounded SORA1.35%
- UOB fixed deposit rates
- OCBC fixed deposit rates
Also: Maybank fixed deposit rates · DBS fixed deposit rates · Chocolate Finance rates · Where to put your cash · CPF interest rates · CPF contribution rates · CPF retirement sums · T-bill calculator · SSB calculator
Questions people ask
What is the highest fixed deposit rate in Singapore today?
On 13 Nov 2026 the highest 12-month fixed deposit rate in Singapore that needs no banking tier was 2.30% at CIMB (online · S$10,000+ · until 30 Nov). For 6 months it was 2.30% at Bank of China. We read the banks’ own pages twice a day.
Is fixed deposit interest taxed?
No. Interest that individuals earn on deposits with banks and licensed finance companies in Singapore is not taxed, and you don’t need to declare it.
What happens if I withdraw early?
Each bank sets its own terms. Many pay little or no interest if you take the money out before the end, and some charge a fee; a few promotions say “no interest if withdrawn early” outright. If you may need the money, a shorter term, a ladder or a Savings Bond (which you can cash out in any month without losing interest) keeps it within reach.
What happens when my fixed deposit ends?
If you give no instructions, a fixed deposit may renew on its own when it ends, and not every bank says in writing what rate it renews at. UOB’s renews at its board rate for the same term (term 2.4 of its promotion’s terms), and board rates are often far below the promotion you placed at; the board rate column above shows each bank’s. Before your deposit ends, ask your bank what it will renew at, and set a reminder a few days before the end date to move it or have it paid out.
What are fresh funds?
Money that is new to the bank, compared with your balance there on a date the bank sets. Moving money from your savings account at the same bank usually does not count. Each bank defines it in its promotion terms.
Why does DBS show 1.00% for small amounts but 0.05% for larger ones?
Those are DBS’s and POSB’s board rates, and they set the rate by your total Singapore-dollar fixed deposits with them, not each placement. Smaller totals get the higher board rate; S$20,000 and above get 0.05% a year. DBS also takes new placements only for terms of 12 months or less.
Are finance companies safe?
Hong Leong Finance, Singapura Finance and Sing Investments & Finance are licensed by MAS and are members of the same Deposit Insurance Scheme as the banks, so the same S$100,000 cover applies.
Can I use CPF or SRS money?
Money in the CPF Investment Scheme or the Supplementary Retirement Scheme can go into fixed deposits at some banks, at their own rates. The rates on this page are for cash.
How we get these numbers
Twice a day, at 9:35 am and 3:35 pm, a script on our own server opens each bank’s and finance company’s fixed deposit page, the same page you would see, and reads every rate, term, amount band and condition on it. 14 of 17 pages read cleanly on the last run.
A read is held instead of published if anything looks off: the page’s layout changed, a rate moved more than 0.5 points at once, a deal vanished, or the page did not load. The last good rates then stay up, marked “being checked”, until we have looked at the bank’s page ourselves. A bank still held after 14 days moves to “check by hand”.
Sing Investments & Finance blocks automatic reads, so we link to their pages instead of guessing.
Maybank’s promotion page also refuses automatic reads, so its Deposits Bundle and time deposit promotion are checked by hand every week and marked “checked by hand”; they stop showing after 14 days without a check. Its iSAVvy and board rates are read automatically. RHB’s site refuses our reader too, so its fixed deposit promotion is checked by hand in the same way, and so are OCBC’s promotion and board rates since OCBC’s site began refusing our reader on 3 Nov 2026.
We rank by the rate the bank publishes (or its own stated effective rate, where a bonus is paid at the end or part of the money must sit in a savings account), and show the conditions next to every rate. No bank pays to be listed, and the order is never changed by hand.
- Interest is worked out as banks pay it on fixed deposits: simple interest on the amount, for the months of the term, paid at the end.
- This page shows numbers, not advice on where to put your money. See our disclaimer, how we get our numbers and corrections.
Disclosure: the editor, Jeremiah Say, has no fixed deposits. Numbers.sg is not paid by any bank or finance company, and there are no affiliate links on this page.
Bank rates are each bank’s and finance company’s own published figures, read from the pages linked above. History contains information from Interest Rates of Banks and Finance Companies from the Monetary Authority of Singapore website, made available under the terms of the MAS Terms of Use of Datasets. Numbers.sg is independent and is not endorsed by MAS or any bank.
Changes to this page
The UOB, OCBC, DBS, Maybank, CIMB and HLF fixed deposit pages now show, step by step, what happens when a deposit ends. Each gives the last day to change what the bank does and the end date for a deposit placed today, from that bank’s own rule and Singapore’s public holidays, then today’s board rate beside the best deal. The DBS, OCBC, UOB, SIA and Singtel dividend pages now set out the next payout’s dates in order, from the announcement to the day it is paid. See the rates
Fixed deposit rates: a new grid shows every bank’s best rate at 1, 3, 6, 9, 12, 18 and 24 months, shaded light to dark. At 13 of the 15 banks the best rate is for 6 to 12 months; only HL Bank and GXS pay more to lock in for longer. A second new chart plots the top 6 and 12-month rates from each of our own reads since 24 Oct 2026. Fixed deposit rates
Correction. Fixed deposits: banks whose pages we can’t read were tagged “check by hand” and counted as checked by hand, though we show no rate for them. They now say “not read”, and the count separates them. Where to put your cash: it said deposits often renew at a lower board rate; that depends on each bank’s terms, so it now says to check them. Fixed deposit rates
Fixed deposit rates: RHB’s fixed deposit promotion is now listed (1.60%, 2.00% and 2.10% for 3, 6 and 12 months from S$20,000; up to 2.20% for RHB Premier). RHB’s site refuses our automatic reader, so we check its promotion page by hand in a browser every week and mark the rates “checked by hand”; they stop showing after 14 days without a check. We also re-checked Maybank’s Deposits Bundle and time deposit promotion by hand: no change. See RHB’s rates
New page: fixed deposit rates. 17 banks and finance companies, read from their own pages twice a day: the deals that fit your amount, what each needs, the rate it renews at, promotions ending soon, a ladder builder, deposit insurance, and MAS’s averages since 1983. See fixed deposit rates
On the fixed deposit pages, the “Our numbers” box now links its source: the list of banks we read, or on a bank’s own page, that bank’s rates page. See the banks we read
Fixed deposit pages: we no longer say a deposit “renews at” the board rate unless the bank says so in writing. Each bank’s board rate is still shown, with a note to ask your bank what a deposit renews at. UOB’s terms do say it (term 2.4), so its page keeps that. See fixed deposit rates
Fixed deposit rates: Maybank’s Deposits Bundle (2.40% for 12 months, with S$1,000 kept in a Maybank savings account for every S$10,000 placed) and its time deposit promotion, at a branch or online, are now listed. Maybank’s promotion page refuses automatic readers, so we check these by hand every week and say so next to each rate. The bundle is ranked at Maybank’s own effective rate, 2.19%, which counts the savings money. See fixed deposit rates