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. Audited against official bank pages, cut-off 14 July 2026.
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.
Salary ≥ S$3,000 (+0.50%) + S$2,500 card (+0.90%) + 3 bills (+0.10%) → 1.60% EIR on first S$100k.
Reaching 1.60% without wealth needs S$2,500 monthly card spend plus 3 bill payments. The 4.60% adds a 6-month insurance bonus tied to a large premium.
S$500 card spend + salary → 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.
No monthly task at all. Tiered 1.20% / 1.30% / 1.40% / 1.50% → ≈1.275% EIR at S$100k.
The 1.50% is only the top tier — the effective rate on S$100k is ≈1.275%. The dated rate sheet can change and the webpage sometimes lags it.
Salary/GIRO + card = 2 products → ≈1.39% EIR on first S$75k. A third product (wealth) lifts it to ≈3.31%.
Salary and GIRO together count as ONE product, not two. The 4.00% is a marginal rate on the next S$25k tier — real max is ≈3.31% on S$75k with 3 products.
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.
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.
Lower than GXS Saving Pockets and the tiered no-hoop accounts. Fully liquid.
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, insurance or a S$500k home loan.
Effective rates are computed on your stated balance from the tasks you toggle — the honest number, not the headline. Snapshot verified 14 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 14 July 2026. They are estimates 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.