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 September, cut-off 1 September 2026. The big bonus accounts held steady this month; the movement is at the margins — Citi restructured its booster menu and MariBank added a salary bonus.
Comparing history? The August 2026 snapshot stays up unchanged.
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. Note: SC's current rate sheet is explicitly dated 1 Jul–30 Sep 2026 — the rates could re-price on 1 Oct; nothing is announced yet.
Salary ≥ S$1,800 + grow balance S$500 + S$500 card spend → 2.20% EIR on first S$100k (with the Aug–Dec Save-bonus promo). July max EIR was 4.45%.
OCBC added a Save-bonus promo (1 Aug–31 Dec 2026) that lifts the Save EIR from 0.40% to 0.65% (max EIR 4.45→4.70%) — but the bonus needs your balance to RISE by ≥S$500 every month, which gets progressively harder. The full 4.70% still also needs eligible insurance AND investment. A separate Grow bonus (+1.20%) exists for balances ≥S$250k — not modelled here. Confirm the current tiers on OCBC's page.
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$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 (the overall cap is stated in the GXS app; the 0.88% modelled above S$100k is conservative — the page shows 1.08% with no tiering). 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 banner now says 'up to 3.08%' — that's 0.88% base + a 1.60% 30-day new-user boost + 0.40% ShopeeVIP + a new 0.20% salary-crediting bonus. The standing no-strings rate is still 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%). (September check: Maybank's product page was erroring server-side, but the official 29-May notice confirms the 1 Jul structure and no newer notice exists.)
1.50% base on the first S$50k (attractive with no hoops); ≈0.01% above that tier. Booster menu restructured for September.
Citi restructured the boosters: Save +0.20%, Spend +0.20%, Invest +0.60%, Insure +0.60%, plus a NEW Borrow booster (+0.80%, needs a S$500k home loan) and a NEW Celebrate booster (+0.10%, your birthday month only) — that's how the headline reads 'up to 4.0%'. The 1.50% base on the first S$50k is the real everyday value; the account stays weak above S$50k.
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 1 September 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.
Savings-account bonus rates get cut with barely any notice (RHB and Maybank both did recently). Leave your email and we'll alert you the next time the rates on this page change — no spam, unsubscribe anytime.
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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 1 September 2026(the Maybank revision notice and Citi Interest Booster page re-verified manually in a browser the same day; Maybank’s Save Up product page was returning a server error at the check, so its structure is confirmed from the bank’s official 29 May notice). 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.