Top 10 Best Savings Accounts in Singapore 2026

With interest rates remaining competitive in 2026, choosing the right savings account in Singapore can make a significant difference to your financial growth. Whether you’re looking for high bonus interest, flexible conditions, or seamless digital banking, Singapore’s top banks and fintech platforms offer compelling options to help your money work harder.

1. DBS Multiplier Account

The DBS Multiplier Account remains one of the best savings accounts in Singapore 2026, rewarding customers with higher interest rates the more they engage with DBS products. Earn bonus interest by crediting your salary and transacting across categories like credit cards, investments, and insurance. With interest rates that can climb significantly based on your monthly eligible transactions, it’s a smart, flexible choice for everyday Singaporeans looking to grow their savings effortlessly.

• 📞 Phone: 96800306
• 🕐 Opening Hours: Money Transfers Zero-fee sam
• 🌐 Website: https://www.dbs.com.sg

2. OCBC 360 Account

The OCBC 360 Account is a perennial favourite among Singapore savers, offering tiered bonus interest when you fulfil simple everyday banking actions such as salary crediting, bill payments, and spending on an OCBC credit card. Its transparent, multi-category reward structure makes it easy to maximise returns without overhauling your financial habits. For Singaporeans seeking a well-rounded, high-yield savings account from a trusted local bank, the OCBC 360 continues to deliver excellent value in 2026.

• 📞 Phone: 93200032
• 🌐 Website: https://www.ocbc.com

3. UOB One Account

The UOB One Account is one of Singapore’s most straightforward bonus interest accounts, requiring just a monthly salary credit and a minimum spend on a UOB card to unlock competitive tiered interest rates. Its predictable structure appeals to salaried workers who want consistent, hassle-free returns without juggling multiple banking criteria. Widely regarded as one of the best savings accounts in Singapore 2026, the UOB One Account is a reliable cornerstone for any personal finance strategy.

• 🌐 Website: https://www.uob.com.sg/personal/save/deposits/one-account.page

4. Standard Chartered BonusSaver Account

The Standard Chartered BonusSaver Account stands out in Singapore’s competitive savings landscape by offering up to 5.85% p.a. interest, with bonus rates kicking in from your very first dollar. Savers can stack rewards by fulfilling criteria across spending, investing, insuring, and loan categories with Standard Chartered. For those seeking a high-interest savings account in Singapore 2026 with genuine earning potential across a broad range of financial activities, the BonusSaver is a compelling option.

• 🕐 Opening Hours: Money Lock Protect your funds from scam
• 🌐 Website: https://www.sc.com

5. Maybank SaveUp Account

The Maybank SaveUp Account rewards Singaporeans for consolidating their banking relationship with Maybank, offering bonus interest for fulfilling up to three qualifying products or services each month. Categories include credit card spend, insurance, investments, and loans, giving savers the flexibility to earn higher rates in ways that suit their lifestyle. It’s an ideal pick in 2026 for those who already bank with Maybank or are looking to simplify their finances under one roof.

• 🌐 Website: https://www.maybank2u.com.sg/en/personal/deposits/savings-accounts/saveup-programme.page

6. CIMB FastSaver Account

The CIMB FastSaver Account is one of Singapore’s most fuss-free high-interest savings options, offering competitive base interest rates with no minimum spend or salary credit requirements. Simply maintain a minimum balance to start earning — making it perfect for savers who prefer simplicity over complex bonus criteria. As a fully digital account, CIMB FastSaver is a strong contender among the best savings accounts in Singapore 2026, especially for those who want returns without conditions.

• 🌐 Website: https://www.cimb.com.sg/en/personal/banking-with-us/accounts/savings-account/fastsaver-account.html

7. GXS Bank Savings Account

GXS Bank, Singapore’s digital bank backed by Grab and Singtel, offers a flexible Savings Account with attractive interest rates and no minimum balance or fall-below fees. Its pocket-based savings feature allows users to set aside funds for specific goals while earning interest simultaneously, appealing to younger, app-savvy Singaporeans. As digital banking matures in 2026, GXS Bank’s savings account represents a fresh, user-friendly alternative to traditional bank offerings.

• 🌐 Website: https://www.gxs.com.sg/savings/

8. Trust Bank Savings Account

Trust Bank, Singapore’s digital bank in partnership with Standard Chartered and FairPrice Group, offers a Savings Account with competitive interest rates that can be further boosted through everyday spending on the Trust credit card. With no minimum balance requirements and a seamless app-based experience, it lowers the barrier for Singaporeans new to optimising their savings. Trust Bank is quickly earning its place among the best savings accounts in Singapore 2026 for its simplicity and rewarding ecosystem.

• 🌐 Website: https://www.trust.com.sg/savings

9. Chocolate Finance

Chocolate Finance is an innovative Singapore-based cash management platform that offers market-leading returns by investing your idle cash in money market funds, delivering returns that often outpace traditional bank savings accounts. With instant liquidity, no lock-in periods, and a sleek app interface, it bridges the gap between savings and investing for modern Singaporeans. If you’re comfortable with a non-bank alternative and want your cash working harder in 2026, Chocolate Finance is well worth considering.

• 🌐 Website: https://www.chocolate.finance/

10. Maribank Mari Savings Account

MariBank’s Mari Savings Account is offered by Sea Group’s fully digital bank in Singapore, delivering one of the most competitive interest rates in the market with no minimum balance requirements. Its clean, intuitive app makes managing your savings straightforward, while the attractive rates ensure your money grows without unnecessary conditions. For Singaporeans seeking a reliable and rewarding digital banking experience in 2026, the Mari Savings Account is a standout choice in the neobank space.

• 📞 Phone: +65 6995 8688
• 🌐 Website: https://www.maribank.sg

Compare these top savings accounts to find the best fit for your financial goals, and start maximising your interest earnings in Singapore today.