The number on the poster is almost never the number you get. Tell the tool your balance and what you already do — credit salary, spend on a card, pay bills — and it computes each account’s real effective rate on your money, ranked by actual dollars. Re-audited against official bank pages for August, cut-off 24 July 2026, including Maybank’s 1 July restructure and RHB’s rate cut.
Comparing history? The July 2026 snapshot stays up (with its RHB figures corrected).
Salary ≥ S$3,000 (+0.90%) + S$1,000 card spend (+0.90%) → 1.85% EIR on first S$100k.
The 5.85% needs a S$24,000/yr insurance premium AND S$30,000 investment — and those wealth bonuses last only 6 months while the products run for years.
No salary or card needed — just keep your monthly average balance from falling. 1.50% EIR at S$100k.
The first S$10k earns only 0.05% and the 2.00% applies to the final S$30k tier. Balances above S$100k drop to base. Your balance must not decline month-on-month.
S$500 card spend + salary ≥ S$1,600 → 1.00% first S$75k, 2.50% next S$50k, 3.40% next S$25k. Max 1.90% EIR at S$150k.
The 3.40% applies only to the LAST S$25,000 tier — the true maximum effective rate is 1.90% at S$150k. Balances above S$150k earn the base rate.
Salary ≥ S$1,800 + grow balance S$500 + S$500 card spend → 1.95% EIR on first S$100k.
The Save bonus needs your balance to RISE by S$500 every month — progressively harder unless you're genuinely accumulating. The 4.45% needs both eligible insurance AND investment.
Salary ≥ S$3,000 (+0.50%) + card spend (+0.60% at S$750–2,500; +0.90% at ≥S$2,500) + 3 bills (+0.10%) on first S$100k.
Typical S$750–1,000 card spend earns the 0.60% tier — the advertised 0.90% needs S$2,500 EVERY month. The 4.60% adds a 6-month insurance bonus tied to a large premium; a S$1,500 minimum average balance also applies.
1.08% p.a. credited daily, no salary, spend or lock-in.
Combined account/pocket balance limits apply. Simple and liquid, but lower than a well-run task account.
Pick any 3 monthly boosts: salary ≥ S$1,500 (+0.45%), 5×S$30 card spends (+0.20% NTUC member), ≥S$100k balance (+0.30%) etc., on top of 0.05% base.
The 2.40% headline needs the referral boost (+1.20%) or S$20k in TrustInvest (+0.70%) — the everyday salary+card+balance stack tops out around 1.00%. Plans are switchable monthly; balances above S$1.2m earn 0.05%.
Income + 1 category (card) → 1.80% on first S$50k only ≈ 0.925% EIR at S$100k. More categories + higher transaction value lift it.
The 4.10% needs income + 3 categories AND S$30,000+ monthly eligible transactions. With just salary + card at S$100k, half your balance drops to base rate.
0.88% p.a. credited daily, no tasks.
The 'up to 2.88%' banner is 0.88% base + a 30-day new-user bonus + a ShopeeVIP bonus — the standing no-strings rate is 0.88%. Fully liquid.
RESTRUCTURED 1 Jul 2026: salary/GIRO + card = 2 products → 1.17% bonus EIR on first S$75k; a third product lifts it to 3.08% (+ base up to 0.25%).
Salary and GIRO together count as ONE product. The 4.00% headline is base + the 3.75% marginal bonus on the last S$25k tier only — Maybank's own maximum effective bonus rate is 3.08% with 3+ products. Bonus figures below exclude the small base interest (up to 0.25%).
1.50% base on the first S$50k (attractive with no hoops); ≈0.01% above that tier.
The 1.50% base is strong up to S$50k but the account is weak for larger balances. Higher rates need investment (+0.60%), insurance (+0.60%), or a S$500k home loan (+0.80%).
No monthly task at all. Tiered 0.70% / 0.80% / 0.90% / 1.00% → ≈0.78% EIR at S$100k (rates cut 1 Jan 2026).
RHB cut these tiers sharply effective 1 Jan 2026 (they previously ran 1.20–1.50%). The 1.00% applies only above S$100k — the effective rate on S$100k is ≈0.78%. No-hoop alternatives (UOB Stash, GXS) now pay more.
Effective rates are computed on your stated balance from the tasks you toggle — the honest number, not the headline. Snapshot verified 24 July 2026; rates and bonus terms change without notice and the bank’s current T&C always governs. Wealth-linked rates assume you bought a qualifying product and last only 6–12 months.
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Effective rates are computed on the balance and tasks you select, using each bank’s published tier and bonus structure verified 24 July 2026(RHB and Maybank re-verified manually in a browser the same day). Maybank figures exclude its small tiered base interest (up to 0.25% p.a.) because the base tier split is not published on the programme page — actual earnings will be slightly higher. Estimates are for comparison and education only — bank eligibility, transaction recognition and bonus calculations remain subject to each institution’s prevailing terms, and rates change without notice. Insurance and investment products carry separate suitability, cost, risk and liquidity considerations and should never be bought for a savings bonus alone. Not financial advice — verify the latest official source before acting.