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Which is the Best High Yield Savings Account? [Calculator Included]

Guide to using the calculator:

Use below to explore and compare the top three high-yield savings accounts in Singapore—so you can choose the one that best fits your financial habits and goals.

To get started, simply input the following:

  • Account Balance: The amount of cash you plan to park in the account.

  • Monthly Salary: Your monthly credited salary.

  • Monthly Card Spend: Your expected spending using eligible credit or debit cards.

  • Monthly GIRO Transactions (UOB One only): You can skip this—there’s a workaround using salary crediting that makes this optional.

  • Insurance Premiums: Monthly or annual payments with specific requirements. Note: This isn’t typically recommended unless it aligns with your broader financial strategy.

  • Investments: Amounts invested based on each bank’s specific criteria.

  • Monthly Savings Increase (OCBC 360 only): The amount you plan to increase your savings by each month compared to the previous one.

🏦 Singapore Bank Accounts Calculator

Compare UOB One, OCBC 360, and Standard Chartered Bonus Saver accounts

💰 Your Financial Details

Disclaimer: This calculator is for estimation purposes only. Actual interest rates and requirements may vary. Please check with the respective banks for the most current terms and conditions.

📊 Comparison Results

Enter your details and click "Calculate & Compare" to see results

Best Savings Account with most achievable 5.55% p.a:

SC Bonus$aver Account
Referral Code
DBF6F
How to sign up
  1. Visit the SC Bonus$aver page and apply online
  2. Enter referral code DBF6F when prompted
  3. Deposit min S$50,000 fresh funds into the Bonus$aver account
  4. Maintain that balance until the end of the following month to receive extra S$30 cashback + S$168 cash
Why pick this account
Up to 5.85% p.a. by stacking salary + spend + insurance + investment.

Currently, Standard Chartered Bonus$aver account stands as one of the highest interest yielding account at 5.55% p.a with a very compelling sign up offer where you can get up to S$1,598 worth of sign up rewards just follow the steps detailed here for complete onboarding.

standard chartered logo
Standard Chartered Bonus$aver Increases Rates to 5.5% p.a. — Is It Worth It?
Earn up to 5.5% p.a. with Standard Chartered Bonus$aver. See if the boosted rate is worth it and learn...

Other Bank Accounts Sign Up Promotion:

OCBC 360 Account
Referral Code
VHW8FDOS
How to sign up
  1. Download OCBC Digital from App Store or Google Play
  2. Copy the referral code above and enter into the app when prompted
  3. Apply for 360 Account
Why pick this account
Up to 7.65% p.a. by stacking salary + spend + insurance + investment.
author avatar
lobangsis

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lobangsis

Audz, your lobang sis shares personal finance to achieve happiness, prosperity and progress for us all.

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