Best Savings Account Comparison Calculator [Ultimate Guide]

Promo Details:

• Get Bose QuietComfort Wireless Noise Cancelling Earbuds (Black) (worth S$249)

• How to qualify:

  1. Apply for a Bonus$aver Account and Bonus$aver World Mastercard Credit Card (as main account/principal cardholder).

  2. Deposit S$50,000 fresh funds.

  3. Keep the deposit until the end of the calendar month after account opening.

• Who can apply:

  • New Bonus$aver accountholders, or existing Standard Chartered customers who don’t have a Bonus$aver account yet.

• Valid from 01 November – 31 December 2025

• Read Terms and Conditions here

Additional Tips to Maximise Sign Up Gifts:

• Apply for a Standard Chartered credit card first if you are new to SC credit card holder (with sign-up bonus) before joining this promo. I personally recommend these two:

The Standard Chartered Bonus$aver Account offers up to 8.05% p.a. interest on the first S$$100,000 when you credit salary, spend on the linked card, and opt for investment or insurance products. Salary and card spend alone can earn around 3.05% p.a. 

To Achieve 3.05% p.a. Interest:

• Credit a salary of at least S$3,000/month via FAST, GIRO, or PayNow. There are no hacks for this at the moment.
• Spend at least S$1,000/month on your linked Bonus$aver credit or debit card.

To Achieve an Additional 2.5% p.a. Interest:

• You can do either below:
  • Subscribe, through SC, and settle a trade for an eligible unit trust with a minimum single subscription amount of S$20,000; OR
  • Trade a minimum of S$20,000 in cumulative buy trades for eligible Online Equities via SC Online Trading within a calendar month

• Get Additional Salary Bonus of 0.5% p.a. (on first S$100,000) for 2 months after the month of account opening when you credit at least S$1,800 monthly salary to your account via GIRO or FAST/PayNow by the following month of account opening
• Valid from 01 November – 31 December 2025
• Read Terms and Conditions here

OCBC 360 Account is a high-yield savings account that rewards you with bonus interest for crediting your salary, saving, and spending on OCBC cards. You can also purchase insurance or investment products. It’s ideal for working adults who can consistently meet these criteria to maximize their interest earnings.

Comes with 3 Main Requirements:

• Salary Crediting: Your salary must be deposited from a corporate account with the purpose of payment being “SALARY” to qualify for the full interest rate.
• Savings Increase: You need to increase your balance by S$500 monthly for bonus interest, with potential “resets” impacting your ROI. Check the OCBC app under “Money Insights” > “Total Balance” to see if you meet this criteria.
• Spend S$500 a month on one of these OCBC Credit Cards: OCBC 365, OCBC Infinity Cashback, OCBC NXT, OCBC 90N or OCBC Rewards.

Direct Bank Reward:

• Get Samsonite MODUS Spinner 25” worth S$610 and S$100 cashback when you spend S$800 within 60 days of your card approval
• Valid until 31 December 2025
• Read Terms and Conditions here

Singsaver Reward:

• Get S$350 Cash via PayNow or S$370 Grab Voucher when you spend a minimum of S$800 within 30 days of card approval and apply for one of the following within 60 days of card approval:
  
  • EasyPay: Min. 3 transactions of S$150 minimum each, 12-month tenure
  • Bonus$aver Account: Min. deposit S$3,000
  • CashOne Personal Loan: Min. S$1,000, 12-month tenure
  • Credit Card Funds Transfer: Min. S$1,000, 3-month tenure
• Promotion is valid for new to bank credit card holders
• Valid until 01 December 2025 – 01 January 2026
• Read Terms and Conditions here
• Must fulfill spending requirement to receive gift confirmation
• Remember to check for SingSaver email and complete the registration to secure your reward!

• Earn a flat 1.5% cashback rate, with no minimum spend requirement, and no cashback cap. This card can be used in basically anything and everything spending! This can be an ultimate card to use when paying for wedding banquet venues!

Annual Fee

• S$196.20 (including 9% GST), waived for the first two years

Income Requirement

• S$30,000 (locals/PRs); S$60,000 (foreigners)

Know what this card is best for:

• Best Cards for Wedding Banquets

Terms and Conditions

Full Review

• Receive up to 30,000 miles
• Receive 10,000 miles when you pay the annual fee under “Fee Paying” option
• Receive 20,000 miles when you make a min. spend of S$800 within 60 days of card approval (This is available for both fee paying and fee waiver option)
• Therefore, fee paying option earns 30K miles, fee waiver option earns 20K miles, if requirements are met
• Promotion is valid until 31 December 2025
• Read Terms and Conditions here

My thoughts: If you were going to apply for this card, you should choose the fee waiver option as the cost per mile is 196.20/10,000 miles = 1.96 cents per mile, which is quite expensive.

• Earn up to 3 miles per dollar on selected bonus categories in SGD; 2 miles per dollar on overseas spending, and 1.2 miles per dollar on other local spending. All with no minimum monthly spending required. This card is best for those who spend a lot on the bonus online categories such as transportation, grocery and food delivery with a spending cap of S$1,000 per statement month
• This comes with 2 complimentary airport lounge passes

Terms and Conditions

Full Review