Top 10 Best Fixed Deposit Rates in Singapore 2026

With interest rates remaining competitive in 2026, fixed deposits continue to be one of the safest and most reliable ways to grow your savings in Singapore. Whether you are looking for short-term or long-term placements, comparing the best fixed deposit rates across major banks can help you maximise your returns with minimal risk.

1. DBS Bank Fixed Deposit

DBS Bank is Singapore’s largest local bank and a top choice for fixed deposits in 2026, offering competitive interest rates across a range of tenors from one month to 36 months. Backed by strong financial stability and the convenience of the digibank app, DBS makes it easy to open and manage your fixed deposit online. Its transparent rate structure and trusted reputation make it a go-to option for both new and seasoned savers in Singapore.

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

2. OCBC Fixed Deposit

OCBC Fixed Deposit consistently ranks among the best fixed deposit rates in Singapore, offering attractive promotional rates for fresh funds and flexible tenor options to suit different savings goals. Existing OCBC customers benefit from seamless account management via the OCBC Digital app, making it effortless to lock in rates and track maturity dates. With a strong local banking heritage and regular rate promotions, OCBC remains a highly competitive choice for Singapore savers in 2026.

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

3. UOB Fixed Deposit

UOB Fixed Deposit is a reliable savings instrument from one of Singapore’s three major local banks, offering tiered interest rates that reward higher deposit amounts and longer tenors. The bank frequently rolls out promotional fixed deposit rates, particularly for fresh funds, making it worthwhile to check UOB’s latest offerings before committing. Customers can conveniently place and renew fixed deposits through the UOB TMRW app or online banking portal.

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

4. Standard Chartered Fixed Deposit

Standard Chartered Singapore offers compelling fixed deposit rates in 2026, often featuring promotional rates for Priority Banking and online placements that outpace some local competitors. With flexible tenor choices and a globally trusted brand, Standard Chartered appeals to both retail and high-net-worth savers looking to maximise returns on idle cash. Its user-friendly SC Mobile app makes placing and rolling over fixed deposits a straightforward, paperless experience.

• 🌐 Website: https://www.sc.com/sg/save/fixed-deposits/

5. Maybank Fixed Deposit

Maybank Fixed Deposit is a popular option for Singapore savers seeking competitive rates from a well-established regional bank with strong ASEAN roots. Maybank regularly features promotional interest rates on specific tenors, and its iSAVvy Fixed Deposit allows customers to enjoy enhanced rates when placed online. With a minimum deposit that suits most retail investors, Maybank offers an accessible and rewarding fixed deposit experience in Singapore’s 2026 savings landscape.

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

6. CIMB Fixed Deposit

CIMB Fixed Deposit has built a strong reputation in Singapore for offering some of the most competitive term deposit rates among foreign banks, frequently topping comparison charts for short-to-medium tenors. As a digital-first bank in Singapore, CIMB allows customers to open and manage fixed deposits entirely online with minimal fuss. Its consistently high rates and low minimum deposit requirements make it a standout pick for yield-focused savers in 2026.

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

7. Hong Leong Finance Fixed Deposit

Hong Leong Finance is Singapore’s largest finance company and a trusted name in fixed deposits, known for offering rates that often rival or exceed those of the major banks. Its fixed deposit products come with flexible tenors and competitive promotional rates, particularly for senior savers who may qualify for preferential rates. For Singaporeans seeking a stable, MAS-regulated alternative to bank fixed deposits, Hong Leong Finance is a compelling and time-tested choice.

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

8. Singapura Finance Fixed Deposit

Singapura Finance is one of Singapore’s licensed finance companies offering fixed deposits with attractive interest rates that frequently outperform those of larger commercial banks. Regulated by the Monetary Authority of Singapore, deposits are protected under the Singapore Deposit Insurance Scheme, giving savers added peace of mind. Its straightforward fixed deposit products and competitive rates make Singapura Finance a hidden gem for yield-conscious investors in 2026.

• 🌐 Website: https://www.singapurafinance.com.sg/personal/deposits/fixed-deposit

9. RHB Fixed Deposit

RHB Fixed Deposit offers Singapore savers a dependable savings option backed by one of Southeast Asia’s leading banking groups, with competitive interest rates across a variety of tenor options. RHB periodically launches promotional fixed deposit campaigns that deliver above-average returns, especially for online placements and fresh fund injections. Its solid regional presence and MAS-regulated status make RHB a trustworthy choice for those diversifying their fixed deposit portfolio in Singapore.

• 🌐 Website: https://www.rhbgroup.com

10. HSBC Fixed Deposit

HSBC Fixed Deposit brings the prestige of one of the world’s leading international banks to Singapore’s savings market, offering competitive fixed deposit rates alongside the benefits of a globally connected banking relationship. HSBC customers can enjoy preferential rates through the HSBC One or Premier banking tiers, making it especially rewarding for those with a broader relationship with the bank. Its robust digital banking platform ensures a seamless fixed deposit experience for Singapore residents in 2026.

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

Compare these top fixed deposit offers and lock in the best rate that suits your financial goals before promotional rates change — visit each bank’s official website for the latest terms and conditions.