Top 10 Best Savings Accounts in Singapore 2026

With interest rates remaining a key consideration for Singaporeans heading into Q4 2026, choosing the right savings account can make a significant difference to your financial health. Whether you’re looking for bonus interest tiers, salary crediting perks, or flexible withdrawal options, Singapore’s banks are competing fiercely to offer the most attractive savings packages.

1. DBS Multiplier Account

The DBS Multiplier Account consistently ranks among the best savings accounts in Singapore 2026, rewarding you with higher interest rates the more you transact with DBS. By crediting your salary and engaging in eligible categories like investments, insurance, or home loans, you can unlock tiered bonus interest on balances up to S$100,000. It’s a powerhouse account for Singaporeans looking to maximise returns on everyday banking activities.

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

2. OCBC 360 Account

The OCBC 360 Account is a perennial favourite among Singapore savers, offering bonus interest across five straightforward earning categories including salary credit, bill payments, and card spend. The more financial habits you consolidate with OCBC, the higher your effective interest rate climbs, making it ideal for those who already bank with OCBC. Its transparent, structured reward tiers make it one of the most accessible high-yield savings accounts in Singapore 2026.

• 🌐 Website: https://www.ocbc.com

3. UOB One Account

The UOB One Account stands out in Singapore’s competitive savings landscape with its refreshingly simple bonus interest structure — spend on your UOB card and credit your salary to unlock elevated rates. Unlike many tiered accounts, UOB One rewards consistent monthly card spending, making it a smart pick for Singaporeans who are active credit card users. With interest rates that can rival fixed deposits, it’s a compelling choice for disciplined savers in 2026.

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

4. Standard Chartered Bonus$aver Account

The Standard Chartered Bonus$aver Account is one of Singapore’s most rewarding savings accounts, offering up to 5.85% p.a. interest starting from your very first dollar deposited. Bonus interest is earned by fulfilling qualifying activities such as card spend, salary crediting, and investing or insuring with Standard Chartered. For Singaporeans seeking a well-rounded, high-interest account backed by a global bank, the Bonus$aver is a top-tier contender in 2026.

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

5. Maybank SaveUp Account

The Maybank SaveUp Account rewards Singaporeans with bonus interest for completing up to three qualifying products or services from a broad menu that includes credit cards, loans, and investments. Its flexible structure means savers can mix and match financial products they already use to unlock meaningful interest rate boosts. Backed by Maybank’s trusted regional presence, SaveUp is a solid choice for those seeking a customisable savings strategy in Singapore 2026.

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

6. GXS Bank Savings Account

GXS Bank, Singapore’s homegrown digital bank backed by Grab and Singtel, offers a sleek Savings Account with competitive interest rates and zero minimum balance requirements. Designed for the digital-first generation, it integrates seamlessly with the Grab ecosystem and offers a frictionless, fully app-based banking experience. For Singaporeans who want a fuss-free, modern alternative to traditional bank savings accounts in 2026, GXS is a standout option.

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

7. Trust Bank Savings Account

Trust Bank’s Savings Account is one of Singapore’s most user-friendly digital banking offerings, launched in partnership with Standard Chartered and FairPrice Group. It rewards savers with attractive base interest rates and additional perks tied to FairPrice grocery spending, making it a uniquely lifestyle-integrated savings account. With no minimum balance and an intuitive app experience, Trust Bank is quickly becoming a go-to choice for everyday Singaporeans in 2026.

• 🌐 Website: https://www.trustbank.sg/banking/savings-account

8. CIMB FastSaver Account

The CIMB FastSaver Account is a no-frills, high-yield savings account that appeals to Singaporeans who prefer straightforward interest without complex qualifying criteria. With competitive interest rates applied automatically and no minimum spend or salary credit requirements, it’s one of the easiest accounts to earn meaningful returns from in 2026. CIMB FastSaver is ideal for hassle-free savers who want their money to grow without jumping through hoops.

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

9. Chocolate Finance Savings

Chocolate Finance offers Singapore savers a refreshingly simple way to grow their spare cash, with daily visible returns and no lock-in periods or complex eligibility criteria. Unlike traditional savings accounts, Chocolate Finance’s cash management solution provides flexible, liquid access to your funds while still delivering competitive yields. It’s a smart, low-barrier option for Singaporeans in 2026 who prioritise both accessibility and solid returns on idle cash.

• 📞 Phone: +65-9479-7979
• 🌐 Website: https://www.chocolatefinance.com

10. Maribank Savings Account

Maribank, Sea Group’s licensed digital bank in Singapore, offers a Savings Account with attractive interest rates and a clean, app-driven banking experience designed for the modern saver. With no minimum balance requirements and a straightforward interest structure, it removes the barriers that often come with traditional high-yield accounts. As one of Singapore’s newest digital banks, Maribank is quickly earning its place among the best savings accounts to watch in 2026.

• 🌐 Website: https://www.maribank.sg

Compare all the top savings accounts featured here on sgtop10.com and open the account that best matches your spending habits and savings goals before the year ends.