Interactive Calculator
Singapore Deposit & Fixed Deposit Account Optimizer
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Calculations run 100% locally in your browser. No financial inputs or personal data are retained or sent to any server.Compare Singapore high-yield savings accounts, Digital Banks, and Fixed Deposit (FD) promotional rates based on your deposit size and preferred tenure.
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1. Deposit Preferences
Compare SGD High-Yield Savings & Fixed Deposit promotional rates
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Desired Lock-in / Tenure
Premier / Priority Banking Status
Relationship & Bonus Eligibility
📊 Projected Interest Return vs Standard Bank Savings (0.05% p.a.)
Standard Bank Savings Account (0.05% p.a.)$0
| Rank & Product | Rate p.a. | Est. Interest | Min. Deposit | Liquidity |
|---|---|---|---|---|
| No matching accounts found for your deposit criteria. Try adjusting your deposit size or salary eligibility. | ||||
🛡️SDIC Deposit Insurance & Strategy Tips
- SDIC Protection: Singapore Dollar deposits in qualifying accounts are insured up to S$100,000 per depositor per Scheme member by the Singapore Deposit Insurance Corporation (SDIC).
- FD Laddering Strategy: Stagger funds across 3-month, 6-month, and 12-month tenures to maintain continuous quarterly liquidity while capturing higher long-term rates.
- Market Rates: Rates shown are indicative market benchmarks. Terms & conditions apply according to individual bank promotional periods.
Clear Answers
Frequently Asked Questions
UOB One is ideal for savers with $50,000 to $150,000 who want simplicity by fulfilling just two criteria: $500 monthly card spend and salary credit. OCBC 360 is great if you can fulfill multiple categories (Salary + Spend + Save + Insure/Invest) or prefer step-up tiers.