Fixed Deposit Rates
Singapore banks' fixed deposit rates, grouped by tenor. Each figure is checked against the bank's own rates page on a review cycle and applied by hand, so the verification date beside it is part of the figure -- confirm on the bank's own page (click the bank name) before depositing.
3-Month
- Min. Deposit
- $30,000
- Verified
- 18 Sept 2026
Personal Banking rate; min. S$30,000 in fresh funds, placed via the HSBC Singapore App. Runs to 30 Sep 2026.
- Min. Deposit
- $10,000
- Verified
- 15 Sept 2026
Fresh funds only.
- Min. Deposit
- $10,000
- Verified
- 02 Aug 2026Not verified in 47 days
Promotional rate.
- Min. Deposit
- $500
- Verified
- 02 Aug 2026Not verified in 47 days
- Min. Deposit
- $10,000
- Verified
- 02 Aug 2026Not verified in 47 days
For deposits up to S$3 million.
| Bank | Rate | Min. Deposit | Notes | Verified |
|---|---|---|---|---|
| HSBC SGD Time Deposit | 1.60% | $30,000 | Personal Banking rate; min. S$30,000 in fresh funds, placed via the HSBC Singapore App. Runs to 30 Sep 2026. | 18 Sept 2026 |
| Sing Investments & Finance SGD Fixed Deposit | 1.50% | $10,000 | Fresh funds only. | 15 Sept 2026 |
| HL Bank SGD Fixed Deposit | 1.40% | $10,000 | Promotional rate. | 02 Aug 2026 Not verified in 47 days |
| Bank of China SGD Time Deposit | 1.35% | $500 | — | 02 Aug 2026 Not verified in 47 days |
| Citibank SGD Time Deposit | 0.60% | $10,000 | For deposits up to S$3 million. | 02 Aug 2026 Not verified in 47 days |
4-Month
- Min. Deposit
- $10,000
- Verified
- 02 Aug 2026Not verified in 47 days
4- or 5-month tenor, min. S$10,000 in fresh funds. New placements and renewals, individual accounts only.
| Bank | Rate | Min. Deposit | Notes | Verified |
|---|---|---|---|---|
| Hong Leong Finance Fixed Deposit | 1.50% | $10,000 | 4- or 5-month tenor, min. S$10,000 in fresh funds. New placements and renewals, individual accounts only. | 02 Aug 2026 Not verified in 47 days |
6-Month
- Min. Deposit
- $10,000
- Verified
- 16 Sept 2026
Fresh funds only.
- Min. Deposit
- $25,000
- Verified
- 12 Sept 2026
Personal Banking rate; min. S$25,000 in fresh funds, placed via Online Banking or SC Mobile. Runs to 30 Sep 2026. Priority Banking and Priority Private earn more.
- Min. Deposit
- $20,000
- Verified
- 16 Sept 2026
For deposits of $20,000+ via e-banking; smaller/over-the-counter deposits get a lower tier.
- Min. Deposit
- $20,000
- Verified
- 02 Aug 2026Not verified in 47 days
Promotional rate; terms subject to change without notice.
- Min. Deposit
- $50,000
- Verified
- 02 Aug 2026Not verified in 47 days
Promotional rate.
- Min. Deposit
- $20,000
- Verified
- 12 Sept 2026
Promotional rate for OCBC Internet/Mobile Banking customers.
- Min. Deposit
- $100
- Verified
- 02 Aug 2026Not verified in 47 days
Board rate, not a limited-time promo.
| Bank | Rate | Min. Deposit | Notes | Verified |
|---|---|---|---|---|
| Sing Investments & Finance SGD Fixed Deposit | 1.70% | $10,000 | Fresh funds only. | 16 Sept 2026 |
| Standard Chartered SGD Time Deposit | 1.70% | $25,000 | Personal Banking rate; min. S$25,000 in fresh funds, placed via Online Banking or SC Mobile. Runs to 30 Sep 2026. Priority Banking and Priority Private earn more. | 12 Sept 2026 |
| ICBC SGD Fixed Deposit | 1.60% | $20,000 | For deposits of $20,000+ via e-banking; smaller/over-the-counter deposits get a lower tier. | 16 Sept 2026 |
| RHB SGD Fixed Deposit | 1.60% | $20,000 | Promotional rate; terms subject to change without notice. | 02 Aug 2026 Not verified in 47 days |
| SBI SGD Fixed Deposit | 1.50% | $50,000 | Promotional rate. | 02 Aug 2026 Not verified in 47 days |
| UOB SGD Fixed Deposit | 1.50% | $10,000 | Fresh funds placement required. | 12 Sept 2026 |
| OCBC SGD Fixed Deposit | 1.35% | $20,000 | Promotional rate for OCBC Internet/Mobile Banking customers. | 12 Sept 2026 |
| MariBank Mari Fixed Deposit | 1.20% | $100 | Board rate, not a limited-time promo. | 02 Aug 2026 Not verified in 47 days |
1-Year
- Min. Deposit
- $10,000
- Verified
- 16 Sept 2026
Fresh funds only.
- Min. Deposit
- $20,000
- Verified
- 02 Aug 2026Not verified in 47 days
Promotional rate; terms subject to change without notice.
- Min. Deposit
- $1,000
- Verified
- 02 Aug 2026Not verified in 47 days
For 3-month-and-above tenors; 1-2 month tenors need min. $5,000.
- Min. Deposit
- $10,000
- Verified
- 12 Sept 2026
Bank's highest advertised rate for this tenor; fresh funds placement required.
- Min. Deposit
- $22,000
- Verified
- 02 Aug 2026Not verified in 47 days
Effective interest rate for funds of $22,000 and above.
- Min. Deposit
- $50,000
- Verified
- 02 Aug 2026Not verified in 47 days
Digital fixed deposit platform; rates effective from 22 Apr 2026.
- Min. Deposit
- $50,000
- Verified
- 02 Aug 2026Not verified in 47 days
Promotional rate.
- Min. Deposit
- $100
- Verified
- 02 Aug 2026Not verified in 47 days
Board rate, not a limited-time promo.
- Min. Deposit
- $20,000
- Verified
- 02 Aug 2026Not verified in 47 days
Promotional rate for OCBC Internet/Mobile Banking customers.
- Min. Deposit
- $1,000
- Verified
- 02 Aug 2026Not verified in 47 days
For deposits of $1,000-$19,999; higher tiers have different rates.
| Bank | Rate | Min. Deposit | Notes | Verified |
|---|---|---|---|---|
| Sing Investments & Finance SGD Fixed Deposit | 1.75% | $10,000 | Fresh funds only. | 16 Sept 2026 |
| RHB SGD Fixed Deposit | 1.65% | $20,000 | Promotional rate; terms subject to change without notice. | 02 Aug 2026 Not verified in 47 days |
| CIMB SGD Fixed Deposit | 1.60% | $1,000 | For 3-month-and-above tenors; 1-2 month tenors need min. $5,000. | 02 Aug 2026 Not verified in 47 days |
| UOB SGD Fixed Deposit | 1.55% | $10,000 | Bank's highest advertised rate for this tenor; fresh funds placement required. | 12 Sept 2026 |
| Maybank SGD Time Deposit | 1.51% | $22,000 | Effective interest rate for funds of $22,000 and above. | 02 Aug 2026 Not verified in 47 days |
| Singapura Finance Vivid Fixed Deposit | 1.48% | $50,000 | Digital fixed deposit platform; rates effective from 22 Apr 2026. | 02 Aug 2026 Not verified in 47 days |
| SBI SGD Fixed Deposit | 1.40% | $50,000 | Promotional rate. | 02 Aug 2026 Not verified in 47 days |
| MariBank Mari Fixed Deposit | 1.30% | $100 | Board rate, not a limited-time promo. | 02 Aug 2026 Not verified in 47 days |
| OCBC SGD Fixed Deposit | 1.30% | $20,000 | Promotional rate for OCBC Internet/Mobile Banking customers. | 02 Aug 2026 Not verified in 47 days |
| DBS/POSB SGD Fixed Deposit | 1.00% | $1,000 | For deposits of $1,000-$19,999; higher tiers have different rates. | 02 Aug 2026 Not verified in 47 days |
Deposit insurance (SDIC)
All banks listed here are SDIC Deposit Insurance Scheme members. SGD deposits are insured up to S$100,000 per depositor per bank; foreign-currency and investment products aren't covered. Full member list at sdic.org.sg.
ICICI Bank Singapore is also covered, but no current FD rate could be confirmed -- see their rates page.
Frequently asked questions
Does a longer fixed deposit tenor always pay a higher rate?
Not necessarily. Banks price FD promotions independently, and shorter tenors sometimes carry a better promotional rate than longer ones, especially when banks expect interest rates to fall. Compare the actual rate for your intended tenor rather than assuming longer always pays more.
What happens if I break a fixed deposit early?
Most banks pay a reduced (or zero) interest rate on early withdrawal, or charge a penalty, and terms vary a lot by bank and product. Check the specific conditions -- linked via the bank name in the table above -- before committing funds you might need early.
What is SDIC deposit insurance?
The Singapore Deposit Insurance Corporation (SDIC) insures SGD deposits, including fixed deposits, at member banks up to S$100,000 per depositor per bank. It doesn't cover foreign-currency deposits or investment products.