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 are a salaried professional, student, or retiree, Singapore’s banks offer a wide range of savings accounts with bonus interest tiers, salary crediting perks, and cashback rewards to help your money work harder.

1. DBS Multiplier Account

The DBS Multiplier Account consistently ranks among the best savings accounts in Singapore 2026, rewarding you with higher interest rates when you transact across multiple DBS product categories such as salary crediting, investments, and insurance. The more you engage with DBS’s ecosystem, the more your interest rate climbs — making it ideal for Singaporeans who already bank with DBS. It’s a powerful, flexible account that turns everyday financial activity into meaningful savings growth.

• 📞 Phone: 96800306
• 🕐 Opening Hours: monthly instalment am
• 🌐 Website: https://www.dbs.com.sg

2. OCBC 360 Account

The OCBC 360 Account remains one of Singapore’s most popular bonus interest savings accounts, designed to reward customers who credit their salary, spend on an OCBC credit card, and fulfil other simple banking criteria. With multiple bonus interest categories stacking up, savvy savers can unlock significantly higher returns on their deposits. It’s a well-rounded option for Singaporeans seeking a structured yet rewarding savings experience in 2026.

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

3. UOB One Account

The UOB One Account is a straightforward yet highly competitive savings account in Singapore that rewards consistent monthly spending and salary crediting with attractive bonus interest rates. Unlike tiered accounts that require complex product bundling, UOB One keeps things simple — spend a minimum amount on a UOB card and credit your salary to watch your interest grow. It’s a top pick for Singaporeans who prefer predictability and ease in their savings strategy.

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

4. Standard Chartered Bonus$aver Account

The Standard Chartered Bonus$aver Account is a standout choice for savers in Singapore, offering up to 5.85% p.a. in bonus interest starting from your very first dollar deposited. Earn higher rates by fulfilling qualifying criteria such as crediting your salary, making credit card spends, and investing or insuring with Standard Chartered. For Singaporeans looking to maximise returns without locking funds away, this account delivers exceptional value in 2026.

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

5. Citi Wealth First Account

The Citi Wealth First Account is tailored for Singapore savers who maintain higher balances and seek premium banking benefits alongside competitive interest rates. Designed with wealth-conscious individuals in mind, it offers tiered interest structures that reward larger deposits, making it a compelling option for those looking to grow substantial savings. Paired with Citibank’s global banking network, it’s an excellent choice for internationally minded Singaporeans in 2026.

• 🌐 Website: https://www.citibank.com.sg/personal/banking/deposits/wealth-first-account/

6. Maybank SaveUp Account

The Maybank SaveUp Account offers Singaporeans a flexible multi-category bonus interest structure, rewarding customers who engage in up to three qualifying products such as credit cards, loans, and insurance. With potentially attractive bonus interest rates unlocked through everyday banking relationships, it’s a smart choice for those who already use or plan to use Maybank’s suite of financial services. SaveUp makes growing your savings in Singapore feel effortless and rewarding.

• 🌐 Website: https://www.maybank2u.com.sg/personal/accounts/saveup-account

7. GXS Savings Account (GXS Bank)

GXS Bank’s Savings Account is one of Singapore’s most exciting digital banking offerings, providing a fully app-based savings experience with no minimum balance requirements and competitive interest rates. As one of Singapore’s licensed digital banks, GXS focuses on simplicity and accessibility, making it perfect for younger savers and the digitally savvy. Its transparent fee structure and ease of use make it a fresh alternative to traditional bank savings accounts in 2026.

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

8. Trust Bank Savings Account

The Trust Bank Savings Account is a digital-first savings option in Singapore offering up to 2.4% p.a. interest effortlessly, with no complex hoops to jump through. Backed by Standard Chartered and FairPrice Group, it also rewards cardholders with up to 11% cashback on FairPrice Group spending — making it a dual-purpose financial tool. It’s an excellent pick for everyday Singaporeans who shop at FairPrice and want their savings to work harder.

• 🕐 Opening Hours: wedding, renovation project or dream
• 🌐 Website: https://www.trustbank.sg

9. HSBC Everyday Global Account

The HSBC Everyday Global Account is a versatile multi-currency savings account in Singapore that lets you hold and transact in up to 11 currencies — ideal for frequent travellers and expatriates. Beyond its currency flexibility, account holders can earn up to S$800 in cash rewards monthly through everyday spending and banking activities. It’s a premium yet practical account for Singaporeans who want both global convenience and local savings rewards in 2026.

• 🌐 Website: https://www.hsbc.com.sg

10. Bank of China SmartSaver Account

The Bank of China SmartSaver Account is a compelling savings option in Singapore for those who prefer banking with one of the world’s largest financial institutions. It offers bonus interest rates tied to qualifying activities such as credit card spending, salary crediting, and online banking transactions, rewarding active customers generously. For Singaporeans with ties to China or those seeking a reputable international bank with competitive local savings rates, SmartSaver is well worth considering.

• 📞 Phone: 66085566
• 🌐 Website: https://www.bankofchina.com

Compare these top savings accounts in Singapore to find the one that best fits your income, spending habits, and financial goals — and start earning more interest on every dollar you save today.