Pick your amount and tenure and watch the market re-rank. We re-audited 25+ banks and finance companies from their official pages (research cut-off 4 August 2026) and split the market into honest lanes — because the highest headline is often not the best deposit. The August story: the clean-rate market ROSE on 1 August — RHB’s branch 12-month 1.65% p.a. is the new market leader (July’s best clean 12-month was 1.45%), with CIMB’s online 1.55% the best without a branch visit. Offers whose July windows closed with no published successor are flagged until their August rates publish.
A newer snapshot is available: fixed deposit rates — September 2026. The market rose across the board on 1 September (best clean 12-month now 1.70%, three banks at 2.00% for 6 months); this page is kept as an archive.
Comparing history? The July 2026 snapshot stays up unchanged.
10 offers fit S$20,000 for 12 months — the best pays 1.65% ≈ S$330 interest
August's market-leading clean rate: branch 12-month 1.65% (6-month 1.60%), min S$20k, new or renewal. The mobile-app tier is slightly lower (6m 1.50% / 12m 1.55%). Big jump from July (6m/12m 1.45% app-only). Rates subject to change without notice.
Raised on 1 Aug — 9m/12m up to 1.55% (July: 6m 1.40% / 12m 1.45%). Early termination pays only completed interest quarters.
New in August: a branch-only special promo above the standalone rates (6m/12m 1.55% vs 1.45%). Subject to a notice period for early withdrawals AND early-withdrawal fees — ask for both before placing. Individuals only.
Strongest low-minimum rate in the market: 1.50% from just S$500 (1.55% at ≥S$200k). The sheet is re-published WEEKLY and the last bulletin's window (27 Jul–2 Aug) has lapsed with no successor posted yet — the in-app rate is the only binding quote this week. Rates shown are from the last published bulletin.
Restructured 29 Jul: the good rates moved to the counter tier (6-month up to 1.50%). E-banking from S$500 now pays far less — 6m 1.30%, 12m just 1.15% — so the S$500-minimum route is no longer the same deal. Fresh funds (no intra-ICBC transfers).
6-month rate jumped to 1.45% (from 1.30% in July). Don't confuse with the 1.65% bundle — that needs earmarked savings. 9-month is open to non-individuals too.
Nudged up for August (12m 1.35→1.45%). Rates shown are the ≥S$20,000 tier (smaller amounts earn slightly less); online placement restricted to existing HLF customers.
Rates shown are the ≥S$10,000 online tier; smaller amounts and counter placements earn slightly less.
12- and 18-month rates rose to 1.30% (July: 12m 1.20% / 18m 1.25%). Early withdrawal may attract a fee and reduced or zero interest.
Extra +0.05% only for customers already holding eligible wealth products. Zero interest on premature withdrawal.
Snapshot verified 4 August 2026. Rates change without notice — the rate confirmed in the bank’s app, branch or placement confirmation is the one that binds. Interest figures are simple approximations; banks’ day-count conventions differ.
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Rates are a point-in-time snapshot verified 4 August 2026from official institution pages (Maybank and DBS/POSB board rates re-verified manually in a browser the same day); campaigns change weekly and some banks show the binding rate only in-app or at placement. Offers whose July windows closed before 1 August are flagged “verify at placement” until their August rates publish; offers that could not be verified on an official page are excluded. This is market research for education and comparison — not a recommendation or an invitation to place deposits. Confirm the live rate and terms with the institution before placing funds.