Rates · Provider data
Money market funds and cash accounts in Singapore: today’s rates
Today’s rates on Singapore money market funds and cash accounts side by side, with how fast you get your money back and what each number really means.
What your money earns, and how fast you get it back
In short
On 5 Nov 2026 the S$ options we track show figures from 1.3% to 3.5% a year, but they’re not the same kind of number and their dates differ. What each rate means.
A money market fund and a cash account aren’t deposits. Your money is usually in funds, the rate can change, and SDIC deposit insurance doesn’t apply. The table starts with the fastest money.
What each rate means
Providers don’t quote the same thing. A projection, a past result and a rate someone chooses can sit in one table and look alike, so each row above says which it is and how old it is. Some pages show a date months back: check the date before comparing.
| Label | Used by | What it means |
|---|---|---|
| Projected, after fees | Syfe, StashAway | A forecast of what the funds may earn, less fees. Not a promise. |
| Past yield, after all fees | Endowus | What the funds’ yield worked out to on a past date, less fees. |
| Rate the provider sets | Chocolate Finance | A rate it chooses, topped up while its programme lasts. |
| Declared rate | Singlife | Declared by the insurer; any revision takes effect at once. |
| Fund’s past year | MariBank | What the fund made over the past year. Past results aren’t a forecast. |
| Past return | moomoo | The highest past return it shows, from funds it names, with an old date. |
| Fixed for the term | Syfe Cash+ Guaranteed | Locked for the term you pick. |
What a money market fund is, and what a cash account is
MAS describes money market funds as “specialised unit trusts” that invest “primarily in high-quality, liquid and short-dated money market instruments and debt securities” (MAS, 1999). You own units in a fund, and their price can move.
“Cash management account” is a provider’s name, not a type of product. Behind it can be one fund, a mix of funds, an insurance policy or fixed deposits, and the higher-rate versions can hold short-dated bond funds as well. The next table shows which.
What’s inside each one
Several accounts hold the same funds, so a rate gap can come down to the mix, the fees or the date on the figure.
| Account | What your money is in |
|---|---|
| Mari Invest SavePlus | One fund: Lion-MariBank SavePlus fund |
| Tiger Vault | Funds you pick: by Fullerton, Phillip and CSOP |
| Syfe Cash+ Flexi | Fund mix: not listed on its rate page |
| Chocolate Finance | Fund mix: six funds, shown with their shares on our Chocolate page |
| Endowus Cash Smart Secure | Fund mix: 50% Fullerton SGD Cash Fund, 50% LionGlobal SGD Enhanced Liquidity |
| Endowus Cash Smart Enhanced | Fund mix: 50% UOB United SGD Fund, 30% LionGlobal SGD Enhanced Liquidity, 20% Fullerton SGD Cash Fund |
| Endowus Cash Smart Ultra | Fund mix: 35% UOB United SGD, 20% LionGlobal Enhanced Liquidity, 15% Fullerton Cash, 10% each Fullerton Short Term Interest Rate, LionGlobal Short Duration, PIMCO Low Duration Income |
| StashAway Simple | Fund mix: 70% LionGlobal SGD Enhanced Liquidity, 30% LionGlobal SGD Money Market Fund |
| Syfe Cash+ Enhanced | Fund mix: not listed on its rate page |
| moomoo Cash Plus | Funds you pick: Fullerton SGD Money Market Fund among others |
| Singlife Account | Insurance policy: not funds |
| Syfe Cash+ Guaranteed, 12 months | Fixed deposits: with Singapore banks |
From each provider’s own page, linked in the table above, read on 5 Nov 2026. Syfe’s rate page doesn’t list current fund weights, so we don’t repeat an older list.
Fees
The figures in our table are after fees where the provider says so. Fees still matter when a provider changes its rate or when you compare the funds directly.
| Account | Fees |
|---|---|
| Mari Invest SavePlus | None by MariBank; 0.25% a year fund fee |
| Tiger Vault | None by Tiger; fund fees already in the figures |
| Syfe Cash+ Flexi | 0.05% to 0.15% a year by Syfe |
| Chocolate Finance | See our Chocolate page |
| Endowus Cash Smart Secure | 0.15% a year by Endowus + 0.19% fund fees |
| Endowus Cash Smart Enhanced | 0.15% a year by Endowus + 0.27% fund fees |
| Endowus Cash Smart Ultra | 0.15% a year by Endowus + 0.29% fund fees |
| StashAway Simple | 0.15% a year by StashAway + 0.14% fund fees |
| Syfe Cash+ Enhanced | 0.15% to 0.20% a year by Syfe |
| moomoo Cash Plus | None by moomoo; fund fees already in the price |
| Singlife Account | “No fees, no hidden charges” |
| Syfe Cash+ Guaranteed, 12 months | No fee listed |
Are money market funds safe?
Providers call them low risk, but they aren’t deposits. SDIC insures bank deposits up to S$100,000, and MariBank’s own notice says “other investment products are not insured”. Tiger says the risks include “capital loss and delays in redemption”. Here is what each provider says about its own.
| Account | What the provider says |
|---|---|
| Mari Invest SavePlus | “Returns may vary and are not guaranteed”; not insured by SDIC |
| Tiger Vault | Risks include “capital loss and delays in redemption” |
| Syfe Cash+ Flexi | Capital guaranteed: no. Syfe lists a maximum drawdown of -0.5% |
| Chocolate Finance | Chocolate says it can’t “guarantee returns” |
| Endowus Cash Smart Secure | “Not a bank deposit and not capital guaranteed” |
| Endowus Cash Smart Enhanced | “Not a bank deposit and not capital guaranteed” |
| Endowus Cash Smart Ultra | “Not a bank deposit and not capital guaranteed” |
| StashAway Simple | The rate is a projection; the money is in two funds |
| Syfe Cash+ Enhanced | Capital guaranteed: no. Syfe lists a maximum drawdown of -4.9% |
| moomoo Cash Plus | Client assets kept apart from moomoo’s; the funds carry their own risk |
| Singlife Account | Says “Capital Guaranteed”; covered by the Policy Owners’ Protection Scheme |
| Syfe Cash+ Guaranteed, 12 months | Rate fixed for the term; Syfe says “SDIC coverage doesn’t apply” |
A drawdown is a fall from a high. Syfe’s figure isn’t a limit on a future fall.
Past rates since 2024
The rate pages show today’s figure, so we built a record from Internet Archive copies of them. The chart sets three of the accounts against the 6-month T-bill.
Syfe Cash+ Flexi StashAway Simple Endowus, lowest portfolio 6-month T-bill
Tap or hover on the chart to read a value.
All 27 readings
| First on record | Account | Rate |
|---|---|---|
| 5 Nov 2026 | StashAway Simple | 1.6% |
| 5 Nov 2026 | Syfe Cash+ Flexi | 1.7% |
| 12 Jul 2026 | Syfe Cash+ Flexi | 1.6% |
| 9 Jun 2026 | Endowus Cash Smart, lowest portfolio | 1.3% |
| 9 May 2026 | StashAway Simple | 1.5% |
| 11 Mar 2026 | Syfe Cash+ Flexi | 1.7% |
| 7 Mar 2026 | StashAway Simple | 1.6% |
| 14 Nov 2025 | StashAway Simple | 2.1% |
| 12 Nov 2025 | Endowus Cash Smart, lowest portfolio | 1.6% |
| 10 Oct 2025 | Syfe Cash+ Flexi | 2.1% |
| 10 Aug 2025 | Syfe Cash+ Flexi | 2.5% |
| 9 Aug 2025 | Endowus Cash Smart, lowest portfolio | 2% |
| 19 Jun 2025 | Endowus Cash Smart, lowest portfolio | 2.3% |
| 16 May 2025 | StashAway Simple | 3% |
| 22 Mar 2025 | Endowus Cash Smart, lowest portfolio | 2.7% |
| 18 Mar 2025 | Syfe Cash+ Flexi | 3.2% |
| 10 Feb 2025 | Syfe Cash+ Flexi | 3.4% |
| 6 Dec 2024 | StashAway Simple | 3.4% |
| 5 Dec 2024 | Endowus Cash Smart, lowest portfolio | 2.9% |
| 3 Dec 2024 | Syfe Cash+ Flexi | 3.5% |
| 1 Nov 2024 | StashAway Simple | 3.5% |
| 7 Oct 2024 | StashAway Simple | 3.65% |
| 17 Sep 2024 | Syfe Cash+ Flexi | 3.7% |
| 10 Sep 2024 | StashAway Simple | 3.8% |
| 29 May 2024 | Endowus Cash Smart, lowest portfolio | 3.4% |
| 19 Apr 2024 | StashAway Simple | 3.7% |
| 4 Mar 2024 | Syfe Cash+ Flexi | 3.8% |
Each date opens the first Internet Archive copy we have showing that figure, so the real change came on or before it. For Syfe it’s the low end of the “Projected returns” range on its page. For Endowus it’s the low end of the range it quotes for Cash Smart. From 5 Nov 2026 our own reads add to the record.
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- T-bill calculator
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Questions people ask
Which money market fund is best in Singapore?
We don’t name one. It depends on how soon you need the money, how much you have and how much of a dip you can sit through. Use the table to set your amount and how fast you need it back, then read the label on each rate.
What’s in a money market fund?
Short-dated, high-quality holdings. MAS says money market instruments and debt securities; Tiger says instruments such as government bills and fixed bank deposits. What’s inside each one lists the funds.
Can you lose money in a money market fund?
Yes, it’s possible. Endowus says its portfolios can involve “the possible loss of the principal amount invested”, and Tiger says the same of the funds it offers. Syfe lists a maximum drawdown of -0.5% on Flexi and -4.9% on Enhanced.
Are money market funds covered by SDIC?
No. They’re investment products, not deposits. The Singlife Account is an insurance policy, and Singlife says it’s covered by the Policy Owners’ Protection Scheme, which SDIC runs. That’s a different scheme.
Is a cash management account better than a fixed deposit?
They do different jobs. A fixed deposit locks the rate and is insured up to S$100,000, but you wait until the end of the term. A cash account lets you leave at any time, and its rate can change. The table shows both on your amount, and our fixed deposit tracker has every bank.
Which accounts hold the Fullerton SGD Cash Fund?
Endowus Cash Smart Secure holds 50%, Enhanced 20% and Ultra 15%. Tiger lists funds by Fullerton, and moomoo names the Fullerton SGD Money Market Fund. Fullerton publishes each fund’s prices on its own site. We don’t show a yield for individual funds.
Why does the same fund give different rates on different apps?
Fees, the mix and the date. StashAway and Endowus both use LionGlobal SGD Enhanced Liquidity, but in different shares, with different fees, and their figures carry different dates.
Can I use SRS money?
StashAway and Endowus both describe SRS withdrawals from these accounts, taking about 3 to 5 working days. Check with the provider, as it won’t apply to every option here. Where to put your cash shows what CPF and SRS money can buy.
How we get these numbers
Twice a day a script opens Syfe’s, StashAway’s and Endowus’s own pages and reads the rates they state. A read that is missing or moves by more than 0.75 points is held for a person to check, and the last good figure stays up. Chocolate’s figures come from our Chocolate Finance page.
MariBank, Tiger, moomoo and Singlife are read by a person, last on 5 Nov 2026, and booked for a re-check on our update schedule. Their pages or terms don’t suit a script.
The earnings are the amount times the rate for a year, with no compounding, as if the rate didn’t change. Chocolate uses the same sum as our Chocolate page. Singlife uses its steps. We don’t calculate yields from fund prices. Past rates come from Internet Archive copies of each page, each linked.
We don’t list every platform. Longbridge isn’t here yet because its figures sit in PDF documents.
- 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, holds accounts with MariBank, moomoo and Singlife, as an ordinary customer, and none with the other providers listed here. None of these providers has paid Numbers.sg, there are no referral or affiliate links on this page, and none had a say over what we wrote.
Rates and terms are each provider’s own published figures and words, read from the pages linked above. T-bill and Savings Bond data contain information from the Monetary Authority of Singapore website, made available under the terms of the MAS Terms of Use of Datasets.
Changes to this page
New: money market funds and cash accounts in Singapore. 17 options side by side, in S$ and US$, sorted by how fast you get your money back; what your amount earns, next to a fixed deposit, a T-bill and a Savings Bond; what each rate really means and how old it is; what’s inside each account, fees, and what each provider says about safety; past rates since 2024 from Internet Archive copies. Compare them