Savings · SGD fixed deposits · DBS & POSB

DBS & POSB fixed deposit rates — September 2026

Name: DBS & POSB SGD fixed deposit rates — September 2026
Creator: MoneyAtlas

Every publicly verifiable DBS & POSB SGD fixed-deposit offer, from our monthly audit of official pages (cut-off 1 September 2026). Best published rate: 1.00% p.a. for 12 months (Board FD). Best 12-month: 1.00% vs the market’s best clean 1.70%. The catch column is part of the comparison, not a footnote.

DBS & POSB’s offers this month

Offer	Rates (p.a.)	Min	Lane	Validity & the catch
USD FD + wealth purchase RM	2m — 8.08%	S$500k	Wealth bundle	Per campaign T&Cs — restricted to Treasures clients who joined before 1 Jul 2026. USD deposit (FX risk, no SGD deposit insurance) requiring a qualifying investment OR insurance purchase with fresh funds from outside DBS/POSB. Not comparable to an SGD FD.
Board FD Online / branch	12m — 1.00%	S$1k	Board rate	Board rates last verified 4 Aug 2026 (the rate table would not render at the 1 Sep re-check — board rates rarely move). 1.00% (8–12m) only while your TOTAL DBS FD balance is under S$20,000 — at S$20,000+ most tenures pay just 0.05%. More money can mean a lower rate.

How DBS & POSB’s best rate has moved

Jul 2026	Aug 2026	September 2026
1.00% (12m)	1.00% (12m)	1.00% (12m)

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 DBS & POSB 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 DBS & POSB fixed deposit rate in September 2026?DBS & POSB's best published SGD rate in our September 2026 audit is 1.00% p.a. for 12 months (Board FD, board rate). For 12-month money the best DBS & POSB rate is 1.00%. Always confirm the live rate at placement — promotional rates change without notice.

Is DBS & POSB the best fixed deposit in Singapore right now?DBS & POSB's best 12-month rate is 1.00%, 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 DBS & POSB 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 DBS & POSB 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 DBS & POSB's official page; the binding terms are always the bank's at placement.

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Official sources

Rates are a point-in-time snapshot verified 1 September 2026 from DBS & POSB’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.