Top 10 Best Fixed Deposit Rates in Singapore 2026

With interest rates remaining a key consideration for savers in Singapore, fixed deposits continue to be one of the safest and most reliable ways to grow your money in 2026. Whether you are looking for short-term or long-term placements, Singapore’s top banks and financial institutions are offering competitive fixed deposit rates worth comparing right now.

1. DBS Bank Fixed Deposit

DBS Bank remains one of the most trusted names for fixed deposits in Singapore, offering competitive interest rates across a range of tenors from one month to 36 months. As Southeast Asia’s largest bank, DBS provides the security and flexibility that savers need, with easy online application through digibank. Whether you’re a first-time saver or a seasoned investor, DBS Fixed Deposit is a reliable choice for growing your wealth in 2026.

• 📞 Phone: 96800306
• 🌐 Website: https://www.dbs.com.sg

2. OCBC Bank Fixed Deposit

OCBC Bank is a top contender for the best fixed deposit rates in Singapore 2026, consistently offering attractive promotional rates for both new and existing customers. With flexible tenor options and the convenience of applying via the OCBC Digital app or online banking portal, locking in your savings has never been easier. OCBC’s strong financial standing and SDIC protection make it a smart, secure choice for Singapore depositors.

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

3. UOB Fixed Deposit

UOB Fixed Deposit stands out as a popular savings instrument for Singaporeans seeking stable, guaranteed returns in an uncertain market. With a variety of tenor options and preferential rates frequently offered to UOB account holders, it’s easy to tailor your deposit to your financial goals. The straightforward application process via UOB TMRW or internet banking makes getting started quick and hassle-free.

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

4. Standard Chartered Singapore Fixed Deposit

Standard Chartered Singapore offers competitive SGD Time Deposit rates that make it a compelling option for savers looking to maximise returns in 2026. Known for its global banking expertise and strong local presence, Standard Chartered frequently rolls out promotional rates for new funds, rewarding savvy depositors. Eligible deposits are also protected under the Singapore Deposit Insurance Corporation, giving you added peace of mind.

• 🌐 Website: https://www.sc.com/sg/save/time-deposits/sgd-time-deposit/

5. Maybank Singapore Fixed Deposit

Maybank Singapore Fixed Deposit is a strong choice for those seeking some of the best fixed deposit rates in Singapore 2026, particularly for longer tenor placements. The Malaysian banking giant has built a solid reputation in Singapore for offering above-average promotional rates that appeal to both retail and priority banking customers. With SDIC insurance coverage and flexible placement options, Maybank is a dependable partner for your savings journey.

• 🌐 Website: https://www.maybank2u.com.sg/en/personal/banking/deposits/fixed-deposit.page

6. CIMB Singapore Fixed Deposit

CIMB Singapore has earned a loyal following among savvy Singaporean savers thanks to its consistently high fixed deposit interest rates and low minimum placement requirements. The bank frequently features some of the most competitive promotional rates in the market, making it especially attractive for those looking to grow their idle cash. Online account management is seamless, and eligible deposits are insured under the Singapore Deposit Insurance Corporation scheme.

• 🌐 Website: https://www.cimb.com.sg/en/personal/banking-with-us/deposits/fixed-deposit.html

7. Hong Leong Finance Fixed Deposit

Hong Leong Finance is Singapore’s largest finance company and a well-established name in the fixed deposit space, offering rates that often rival or surpass those of major banks. Its fixed deposits are ideal for conservative investors who prioritise capital preservation alongside steady, guaranteed returns. With a long-standing track record and SDIC protection, Hong Leong Finance is a reassuring choice for Singapore savers in 2026.

• 🌐 Website: https://www.hlf.com.sg/personal/deposits/fixed-deposits.html

8. RHB Bank Singapore Fixed Deposit

RHB Bank Singapore provides a solid fixed deposit product with competitive interest rates and flexible tenor options, catering to both short-term and long-term savers. As part of one of Malaysia’s largest banking groups, RHB brings regional financial strength to Singapore depositors seeking reliability and value. Promotional rates are regularly updated, so it’s worth checking their latest offerings to lock in the best deal.

• 🌐 Website: https://www.rhbgroup.com

9. HSBC Singapore Fixed Deposit

HSBC Singapore Fixed Deposit, offered as a Time Deposit, is backed by one of the world’s most recognised banking institutions, providing both global credibility and local expertise. HSBC frequently offers preferential rates for Premier and Everyday Global Account customers, making it an attractive option for those who bank holistically with the institution. Its multi-currency capability also adds versatility for internationally minded Singapore savers.

• 🌐 Website: https://www.hsbc.com.sg/savings/products/time-deposit/

10. Citibank Singapore Fixed Deposit

Citibank Singapore Fixed Deposit is a well-regarded option for those seeking the backing of a globally renowned financial institution with a strong local footprint. Citi regularly provides competitive promotional rates, particularly for Citigold and Priority Banking customers, rewarding loyalty with enhanced yields. Coupled with SDIC deposit insurance protection and a user-friendly digital banking platform, Citibank remains a credible choice for Singapore fixed deposit seekers in 2026.

• 🌐 Website: https://www.citibank.com.sg/global_docs/en/banking/deposits/fixed-deposit.htm

Compare these top fixed deposit offerings across Singapore’s leading banks and choose the one that best suits your savings goals and tenure preferences — and bookmark this page to stay updated as rates change throughout 2026.