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Savings · SGD fixed deposits · ICBC

ICBC fixed deposit rates — September 2026

Every publicly verifiable ICBC SGD fixed-deposit offer, from our monthly audit of official pages (cut-off 1 September 2026). Best published rate: 1.60% p.a. for 6 months (Counter promo (S$20k)). Best 6-month: 1.60%. Best 12-month: 1.45% vs the market’s best clean 1.70%. The catch column is part of the comparison, not a footnote.

ICBC’s offers this month

OfferRates (p.a.)MinLaneValidity & the catch
Counter promo (S$20k)
Counter (S$20k min); e-banking from S$500 at lower rates
1m — 1.10%
3m — 1.30%
6m — 1.60%
9m — 1.45%
12m — 1.45%
S$20kClean FDSheet effective 26 Aug 2026. Counter 6-month raised to 1.60% (from 1.50%). E-banking from S$500 pays far less (6m 1.30%, 9m 1.10%, 12m 1.15%) — the S$500 route is not the same deal. Fresh funds (no intra-ICBC transfers).

How ICBC’s best rate has moved

Jul 2026Aug 2026September 2026
1.45% (6m)1.50% (6m)1.60% (6m)

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 ICBC 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 ICBC fixed deposit rate in September 2026?ICBC's best published SGD rate in our September 2026 audit is 1.60% p.a. for 6 months (Counter promo (S$20k)). For 12-month money the best ICBC rate is 1.45%. Always confirm the live rate at placement — promotional rates change without notice.
Is ICBC the best fixed deposit in Singapore right now?ICBC's best 12-month rate is 1.45%, 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 ICBC 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 ICBC 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 ICBC's official page; the binding terms are always the bank's at placement.

Compare other banks

DBS & POSB · UOB · OCBC · Maybank · CIMB · RHB · Standard Chartered · HSBC · Citibank · Bank of China · Hong Leong Finance · HL Bank · SBI Singapore · Singapura Finance · Sing Investments & Finance · Bank of East Asia · GXS

Official sources

Rates are a point-in-time snapshot verified 1 September 2026 from ICBC’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.