Savings · SGD fixed deposits · Bank of China

Bank of China fixed deposit rates — September 2026

Name: Bank of China SGD fixed deposit rates — September 2026
Creator: MoneyAtlas

Every publicly verifiable Bank of China SGD fixed-deposit offer, from our monthly audit of official pages (cut-off 1 September 2026). Best published rate: 1.78% p.a. for 8 months (New-to-bank offer). Best 6-month: 1.70%. Best 12-month: 1.65% vs the market’s best clean 1.70%. The catch column is part of the comparison, not a footnote.

Bank of China’s offers this month

Offer	Rates (p.a.)	Min	Lane	Validity & the catch
Mobile-app weekly rates BOC mobile app	3m — 1.35% 6m — 1.70% 9m — 1.55% 12m — 1.65%	S$500	Clean FD	Weekly notice — the last published bulletin covered 31 Aug–6 Sep; this week's notice not yet posted as of 7 Sep. The best low-minimum rates in the market: 6-month 1.70% and 12-month 1.65% from just S$500 (all of 6/9/12m pay 1.75% at ≥S$200k) — but the sheet is re-published WEEKLY and the last bulletin's window has lapsed with no successor posted yet, so the in-app quote at placement is the only binding rate this week.
New-to-bank offer BOC mobile app	8m — 1.78% 11m — 1.78%	S$10k	New customer	1 Aug–13 Sep 2026 (published window). 1.78% only at S$200k–S$250k (1.55% at S$10k–S$200k); must open a BOC Multi-Currency Savings Account. Window closes 13 September.

How Bank of China’s best rate has moved

Jul 2026	Aug 2026	September 2026
1.75% (8m)	1.75% (8m)	1.78% (8m)

Best published rate at any tenure in each monthly audit (relationship-gated and bundle offers included where SGD-comparable; USD wealth bundles excluded). See the full September 2026 market table for how Bank of China ranks against every other bank, or the promo ranking for the month’s top-to-bottom list.

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Quick answers

What is the best Bank of China fixed deposit rate in September 2026?Bank of China's best published SGD rate in our September 2026 audit is 1.78% p.a. for 8 months (New-to-bank offer, new customer). For 12-month money the best Bank of China rate is 1.65%. Always confirm the live rate at placement — promotional rates change without notice.

Is Bank of China the best fixed deposit in Singapore right now?Bank of China's best 12-month rate is 1.65%, against a market-best clean 12-month of 1.70% in September 2026. The ranking changes monthly — compare every bank side by side on our audited market table before placing.

Are Bank of China fixed deposits protected by deposit insurance?SGD deposits at SDIC Scheme members are insured up to S$100,000 per depositor per institution, aggregated across savings, current and fixed deposit accounts there. Foreign-currency deposits are not covered.

Do Bank of China promotional rates require fresh funds?Many promotions do — "fresh funds" means money not already held at the bank, and internal transfers usually don't qualify. Each offer's conditions are listed in the table above and on Bank of China's official page; the binding terms are always the bank's at placement.

Compare other banks

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Official sources

Bank of China deposit promotion notices (weekly)

Rates are a point-in-time snapshot verified 1 September 2026 from Bank of China’s official pages as part of our monthly market audit; promotional windows close and rates change without notice, and the binding rate is the bank’s quote at placement. This is market research for education and comparison — not a recommendation or an invitation to place deposits. SGD deposits at SDIC Scheme members are insured up to S$100,000 per depositor per institution.