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Best Savings Accounts in Singapore: No Salary Credit Requirement (2024)

best savings account singapore without salary credit
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In 2024, Singapore’s economic landscape is changing, marked by a projected growth acceleration, according to the Monetary Authority of Singapore (MAS). This follows a modest expansion in 2023, influenced by global demand and interest rate shifts. These changes, including anticipated inflation from the GST hike, affect savings account strategies.

That said, choosing the right savings account in 2024 is more crucial than ever. Dan Herron, CFP, founder of Elemental Wealth Advisors, emphasizes the importance of diligence in this process: “Do your research,” he advises. “I know this sounds obvious, but a lot of people just open an account with the first provider they see.” His advice is crucial in times of fluctuating interest rates and inflation.

This article explains Singapore’s latest savings account options, especially those without salary credit requirements. It provides updated information on interest rates and features, aiding informed decisions in the evolving economy.

2024 Update: Latest Interest Rates and Account Features


This table outlines various Singapore savings accounts and their 2024 interest rates. To earn the maximum rate, you must meet certain conditions like salary crediting, investing with the bank, meeting the minimum spend requirement, or minimum balance maintenance.

It’s a useful resource for finding non-salary crediting accounts, detailing interest rates, minimum deposits, and key benefits to match your financial goals.

Savings AccountInterest RatesMin Initial DepositMin Daily BalanceBenefits/Features
CIMB FastSaverUp to 3.50% p.a.(for new customers for 6 months)S$1,000S$1,000• No monthly fall-below fee
• No lock-in period
• Simple interest structure
DBS MultiplierUp to 4.10% p.a. (on first S$50,000 to S$100,000)S$0S$3,000• No initial deposit
• Varied interest rates
• Bonus cap of S$100,000
GXS Savings Account2.38% p.a. (main), 2.68% p.a. (pockets)S$0S$0• No initial deposit and daily balance required
• Bonus interest cap of S$75,000
• Interest credited daily
MariBank (Mari Savings Account)2.88% p.a. (promotional)NoneNone• No fees for account opening/usage
• Supports various transactions like Shopee and PayNow
• Simple and accessible via mobile app
Standard Chartered JumpStart2.00% p.a. (on first S$50,000)S$0S$0• No initial deposit and daily balance required
• Simple interest rate structure
• Bonus interest cap of S$50,000
Trust Savings AccountUp to 3.0% p.a. (on first S$500,000)S$0S$0• No initial deposit and daily balance required
• Highest interest rate in Singapore
• No lock-in period
UOB One AccountUp to 3.85% p.a.(on first S$30,000)
Max interest up to 7.80%, fulfill 2 criteria
S$1,000S$1,000• High potential interest rate
• Waived fall-below fee under conditions
• Bonus interest cap of S$100,000
UOB Stash AccountUp to 5.00% p.a.S$1,000S$1,000• High potential interest rate
• Waived fall-below fee under conditions
• Bonus interest cap of S$100,000
Maybank Save Up ProgrammeUp to 4% p.a.(on the first S$75,000)S$500 (locals)
S$1,000 (foreigners)
S$1,000• Diverse financial products and services
• Tiered bonus interest system
• Credit card spending can count as a qualified product
Bank of China SmartSaverUp to 7.0% p.a.(on the first S$100,000)S$200S$200• High interest rates
• Extended interest for larger balances up to S$1 million
• Various bonus interest categories
best children's savings account singapore

Digital and Online-First Savings Accounts

In Singapore, the banking sector is undergoing a transformative shift towards digital platforms, a trend significantly influenced by the government’s role as a catalyst in promoting digital initiatives and fostering a culture of innovation. 

According to RFI Global, this transformation has led to a surge in heavy digital banking usage, with more than a third (35%) of the retail banking population engaging heavily in digital banking as of the second half of 2022. This rapid shift is reshaping consumer banking with features like:

  • Multi-bank account access through mobile apps
  • Competitive rates
  • Enhanced customer service
  • Faster transactions

It also benefits SMEs by reducing operational costs and improving access to finance. 

The trend is marked by the emergence of online-only banks, the integration of AI and cloud technologies, and a drive towards more personalized and efficient banking experiences for both individuals and businesses.

Online-First Savings AccountInterest RatesMin Initial DepositMin Daily BalanceBenefits (Top 3)
MariBank (Mari Savings Account)2.88% p.a. (promotional)NoneNone• No fees for account opening/usage
• Supports various transactions like Shopee and PayNow
• Simple and accessible via mobile app
GXS Savings Account2.38% p.a. (main), 2.68% p.a. (pockets)S$0S$0• No initial deposit and daily balance required
• Bonus interest cap of S$75,000
• Interest credited daily
Trust Savings AccountUp to 3.0% p.a. (on first S$500,000)S$0S$0• No initial deposit and daily balance required
• Highest interest rate in Singapore
• No lock-in period

MariBank (Mari Savings Account)

MariBank in Singapore offers the Mari Savings Account with a notable 2.88% p.a. interest rate until March 31, 2024. This account requires no minimum deposit or spending, and incurs no fees.

It supports Shopee transactions, PayNow QR codes, and fund transfers, simplifying digital banking for users. The account is designed to be fee-free, not charging users for either account opening or usage.

Interest Rates on All Balances 
Promotional Rate2.88% p.a.
Base Rate2.50% p.a.

(Table source: MariBank)

  • Minimum Initial Deposit: $0
  • Minimum Ave. Daily Balance: S$0
  • Fall Below Fee: S$0

Promotions

  • Promotional interest rate of 2.88% p.a. is effective only till 31 March 2024
  • For new customers, there are attractive Shopee vouchers and increased cashback offers, which are particularly beneficial for those who regularly shop on Shopee.

GXS Savings Account

The GXS Savings Account, introduced by GXS Bank—a joint venture between Singtel and Grab—offers a distinctive approach to saving. It comprises a Main Account and eight Savings Pockets, each designed for different savings goals like education, loans, renovation, or holidays. The account is notable for its interest rates: 2.38% p.a. for the Main Account and 2.68% p.a. for each Savings Pocket.

AccountInterest rate (p.a.)
Main account2.38%
Savings Pocket(s)2.68%

What sets this account apart is its daily interest crediting, allowing withdrawals at any time without losing accrued interest—a feature that differs from traditional savings accounts where interest depends on the average daily balance. 

In a The Straits Times report, Ng Wah Onn, a 45-year-old self-employed driver, shared his perspective on the benefits of the GXS Savings Account, particularly for individuals with fluctuating incomes. He highlighted that traditional banking doesn’t adequately cater to people like him who earn on a daily basis. However, with the GXS Savings Account, he finds value in its ability to accrue interest daily, allowing him to save and earn interest despite his unpredictable income, offering a more supportive financial tool for his lifestyle.

  • Minimum Initial Deposit: $0
  • Minimum Ave. Daily Balance: S$0
  • Fall Below Fee: S$0

Promotions

  • N/A

Trust Savings Account

Trust Bank Singapore, a digital bank formed from a unique collaboration between Standard Chartered Bank and FairPrice Group, offers a comprehensive range of banking services. Launched on September 1, 2022, Trust Bank holds a full banking license and operates with 20 ATMs across the island.

This digital savings account stands out with its competitive interest rate of up to 3.0% p.a. interest, including a 1.5% p.a. base rate. Additional interest includes 0.5% p.a. for maintaining at least a S$100K balance, and up to 1% p.a. bonus for union members (or 0.5% p.a. for non-members) with five card transactions. Balances over S$500,000 earn 0.05% p.a. Interest is calculated daily, paid monthly, and the account has no lock-in period, monthly, or closure fees. 

CriteriaInterest rate (p.a.)
Base interest (first S$125,000)1.50%
Bonus interest (at least S$100,000)1.00% (NTUC union member)
0.50% (non-NTUC union member)
Total2.50% (NTUC union member)
2.00% (non-NTUC union member)
  • Minimum Initial Deposit: $0
  • Minimum Ave. Daily Balance: S$0
  • Fall Below Fee: S$0

Promotions: Until 29 Feb 2024, Trust Banks offers S$10 for you and up to S$35 FairPrice Group E-couchers for your friends for successful sign-ups.

Savings Accounts with No Salary Credit Requirement

UOB One Account: Best For Salaried Workers and Freelancers

Get decent interest rates even without salary crediting. You only need to spend S$500 on your UOB credit card and pay at least three bills through GIRO to enjoy the 2.50% interest p.a. on your first S$30,000. In addition, you’ll also get a UOB credit card along with your savings account.

Interest Rates:

Account balanceCredit card only(min. spend of S$500)Credit card + 3 GIRO debit transactions(min. spend of S$500)
First $30,0000.65%2.50%
Next $30,0000.65%3.00%
Next $15,0000.65%4.00%
Next $25,0000.05%0.05%
Next $100,0000.05%0.05%
  • Minimum Initial Deposit: S$1,000
  • Minimum Ave. Daily Balance: S$1,000
  • Fall Below Fee: S$5

Promotions

  • When you open a qualifying UOB savings account online between January 1 and March 31, 2024, and deposit a minimum of S$5,000 in new funds, you’ll be eligible to receive up to S$68 in cash.
  • When you pay bills and credit your salary and dividends with UOB, you can earn up to an extra S$130 cash. 
  • Flash Deal Fridays Special: When you apply online for an eligible UOB Savings account every Friday from 12 Jan – 23 Feb 2024, you will get up to S$88 cash. First 150 customers on each tactical promotion date only.

Maybank Save Up Programme: Best For Salaried Workers Looking Into Loans

The Maybank Save Up Programme in Singapore offers a unique approach to earning bonus interest by allowing customers to choose from nine different Maybank products and services. 

  • GIRO payments or salary crediting
  • Credit card spending on specific Maybank cards
  • Investments in structured deposits or unit trusts
  • Purchasing insurance
  • Taking out various loans (home, renovation, car, or education)

The programme starts with a base interest rate higher than many other savings accounts but truly shines when customers fulfill three transaction categories. Achieving this, starting from a bonus interest rate of 0.25%, the programme offers an impressive 4% p.a. on the first $75,000. 

Maybank Save Up Programme

(Source: Maybank

  • Minimum Initial Deposit: S$1,000
  • Minimum Ave. Daily Balance: S$1,000
  • Fall Below Fee: S$2 (waived if you’re below 25 years old)

Promotion

  • Receive a cash gift of S$400 if you are amongst the first 100 customers to open a new and successfully activate a Maybank SaveUp Account online with the promo code “SAVE23”, apply for a Maybank Platinum Debit Card, and deposit fresh funds of at least S$50,000 within 30 calendar days.

Standard Chartered JumpStart: Best for Young Adults Starting Their Savings Journey

The Standard Chartered JumpStart Account in Singapore is particularly designed for young individuals, emphasizing its eligibility for those aged between 18 and 26 years old. Once opened, the account remains operational even after the account holder turns 26, allowing them to continue enjoying the prevailing interest rates.

FeatureDetails
Base Interest Rate2.00% p.a. for account balances up to S$50,000
Step-Up Interest for InvestmentsAdditional 0.50% p.a. on deposit balances up to S$50,000 with investment
Cashback on Debit Card Spends1% cashback on eligible debit card expenditures

Notably, the account does not require a lock-in period, minimum spend, or salary crediting, and the linked Cashback debit card is free of annual fees. This account offers a blend of attractive interest rates and cashback benefits, making it a compelling choice for young savers in Singapore.

  • Minimum Initial Deposit: S$0
  • Minimum Ave. Daily Balance: S$0
  • Fall Below Fee: S$0

Promotions

  • Stand to win a S$20,000 cash prize and get up to S$500 cashback when you register for the Save Up Level Up promotion, deposit fresh funds in your JumpStart account, and maintain the funds for a designated period.

UOB Stash Account: Fuss-Free, Zero Effort Savings Account

The UOB Stash Account offers a base interest rate of 0.05% p.a., and the potential to earn a bonus interest of up to 4.95% p.a., based on the account balance. For the initial S$10,000, the interest rate is 0.50% p.a.

To achieve the highest total interest rate of 5.00% p.a., an account balance of S$100,000 is required. However, it’s important to note that balances exceeding S$100,000 do not qualify for additional bonus interest.

To qualify for the bonus interest, there are two key conditions:

  • The Monthly Average Balance (MAB) of the account must be maintained or increased compared to the previous month.
  • A minimum MAB of S$10,000 is required to be eligible for bonus interest.
Monthly Average BalanceBase interest (p.a.)Bonus interest (p.a.)Total Interest (p.a.)
First S$10,0000.05%0.00%0.05%
Next S$30,0000.05%1.95%2.00%
Next S$30,0000.05%2.95%3.00%
Next S$30,0000.05%4.95%5.00%
Above S$100,0000.05%0.00%0.05%
  • Minimum Initial Deposit: S$1,000
  • Minimum Ave. Daily Balance: S$1,000
  • Fall Below Fee: S$2 (waived for the first six months for accounts opened online)

Promotions

  • Same promotions as UOB One Account

Account Types for Every Saver: From High Earners to Regular Depositors

DBS Multiplier Account: Best For High-Earning Depositors

Earn bonus interest from salary crediting and credit card spending. It’s also great for DBS loyalists with multiple DBS accounts.

DBS Multiplier Account interest transaction

(source: DBS)

  • Minimum Initial Deposit: S$0
  • Minimum Ave. Daily Balance: S$3,000
  • Fall Below Fee: S$5 

Promotions

  • N/A

Consider this scenario as provided by the official DBS website:

Jack is a young professional who deposits his monthly salary of S$3,500 into his DBS/POSB savings account and engages in two different transaction categories. With his total eligible transactions amounting to S$3,800, he earns a bonus interest rate of 2.10% p.a. on his first S$100,000, while the balance above S$100,000 accrues at the base interest rate.

To enhance his savings, Jack decides to add another category by purchasing insurance. This move to three categories boosts his interest rate from 2.10% p.a. to 2.40% p.a. This strategy illustrates how actively managing transaction categories can lead to increased interest earnings in certain savings accounts.

CIMB FastSaver Account: Best For Regular Depositors Looking For No-Frills Savings Account

The CIMB FastSaver Account in Singapore is an excellent choice for those seeking a straightforward, no-frills savings account. It is particularly well-suited for individuals who prefer a savings account with a simple structure and competitive interest rates without the need for multiple conditions or complicated requirements.

A base interest rate of 1.50% p.a. on the first S$25,000 of your savings, with the potential to earn up to 3.50% p.a. on the first S$75,000. Best of all, there is no need for minimum card spending, investment or insurance product purchases, or monthly salary crediting to earn interest.

Account BalancePrevailing Interest Rates (p.a.)*
First S$25,0001.50%
Next S$25,0002.50%
NextS$25,0003.50%
Above S$75,0000.80%
  • Minimum Initial Deposit: S$0
  • Minimum Ave. Daily Balance: S$0 (minimum S$1,000 to earn interest)
  • Fall Below Fee: S$0

Promotions

  • N/A

Consider this hypothetical scenario:

Imagine Sarah, a 28-year-old freelance graphic designer. She prefers a savings account that’s simple to manage and offers good returns without any complicated requirements. Sarah doesn’t have a fixed monthly income, making it challenging to meet the usual conditions of high-interest savings accounts, like salary crediting or high credit card spending.

The CIMB FastSaver Account is the perfect fit for her. It offers a base interest rate of 1.50% p.a. on the first S$25,000 and if she saves up to S$75,000 she will earn up to 3.50% p.a. without the need for multiple transactional conditions.

 This setup allows her to earn a decent return on her savings without worrying about meeting specific criteria each month.

Bank of China SmartSaver: Best For High Earning and High Spenders

The Bank of China SmartSaver is an attractive savings plan available to Multi-Currency Savings (MCS) account holders, effective from January 1, 2023. Aimed at account holders aged 18 and above, it requires a minimum deposit of S$200. The account offers the possibility of earning up to 7.00% p.a. on the first S$100,000 of the balance. 

Additionally, account holders can earn up to 1.00% p.a. for balances above S$100,000, up to S$1,000,000. Plus, you can avail of the bonus interest of up to 1.90% when you credit your salary of up to S$6,000. It’s also great for individuals with a monthly minimum card spend of S$500.

Bonus Interest Rates

Wealth Bonus Interest

Insurance Product TypeMinimum Purchase amount
All Single Premium Insurance Plans(except Singlife Secure Saver, China Taiping i-Save)S$150,000 equivalent Single Premium
All Regular Premium Insurance Plans with 5-year premium term(annual premium payment mode only)S$24,000 equivalent annual premiums
All Regular Premium insurance Plans with 10-year premium term(annual premium payment mode only)S$12,000 equivalent annual premiums

Card Spend Bonus Interest

Monthly SpendBonus Interest Rate (p.a.)
S$500 to S$1,500 (exclusive)0.50%
S$1,500 and above0.80%

Salary Crediting Bonus Interest

Amount of SalaryBonus Interest Rate (p.a.)
S$2,000 to S$6,000 (exclusive)1.90%
S$6,000 and above2.50%
  • Minimum Initial Deposit: S$200
  • Minimum Ave. Daily Balance: S$200
  • Fall Below Fee: S$3

Promotions

  • N/A

Current Promotions and Welcome Bonuses for New Account Holders

Savings AccountPromotions
CIMB FastSaverN/A
DBS MultiplierN/A
GXS Savings AccountN/A
MariBank (Mari Savings Account)Promotional interest rate of 2.88% p.a. is effective only till 31 March 2024For new customers, there are attractive Shopee vouchers and increased cashback offers, which are particularly beneficial for those who regularly shop on Shopee.
Standard Chartered JumpStartStand to win a S$20,000 cash prize and get up to S$500 cashback when you register for the Save Up Level Up promotion, deposit fresh funds in your JumpStart account, and maintain the funds for a designated period.
Trust Savings AccountUntil 29 Feb 2024, Trust Banks offers S$10 for you and up to S$35 FairPrice Group E-couchers for your friends for successful sign-ups.
UOB One AccountWhen you open a qualifying UOB savings account online between January 1 and March 31, 2024, and deposit a minimum of S$5,000 in new funds, you’ll be eligible to receive up to S$68 in cash.When you pay bills and credit your salary and dividends with UOB, you can earn up to an extra S$130 cash. Flash Deal Fridays Special: When you apply online for an eligible UOB Savings account every Friday from 12 Jan – 23 Feb 2024, you will get up to S$88 cash. First 150 customers on each tactical promotion date only.
UOB Stash AccountSame promotions as UOB One Account
Maybank Save Up ProgrammeReceive a cash gift of S$400 if you are amongst the first 100 customers to open a new and successfully activate a Maybank SaveUp Account online with the promo code “SAVE23”, apply for a Maybank Platinum Debit Card, and deposit fresh funds of at least S$50,000 within 30 calendar days.
Bank of China SmartSaverN/A

Amongst all the savings accounts on this list, the Maybank Save Up Programme offers one of the most attractive promotions for new sign-ups. It includes a cash gift incentive of S$400 for the first 100 customers who open and activate a new account online using a specific promo code and meet certain deposit requirements. This promotion is particularly appealing for new customers looking for a significant upfront reward for opening a savings account.

Comprehensive Fee and Charge Comparison for Each Account

Savings AccountMin Daily BalanceFall-Below FeeTransaction Fees
CIMB FastSaverS$1,000No feeDepends on transaction
S$50 early account closureS$5 counter transaction
DBS MultiplierS$3,000Not specifiedNot specified
GXS Savings AccountS$0No feeNot specified
MariBank (Mari Savings Acct)NoneNo feeNo transfer fees
Standard Chartered JumpStartS$0No feeNo fees
Trust Savings AccountS$0No feeNo fees
UOB One AccountS$1,000S$5S$30 early account closure fee
UOB Stash AccountS$1,000S$5S$30 early account closure fee
Maybank Save Up ProgrammeS$1,000S$2 (waived if below 25)S$30 early account closure fee
Bank of China SmartSaverS$200S$3S$30 early account closure fee

Step-by-Step Guide: Opening Your Savings Account in Singapore

To open a savings account in Singapore, both locals and expatriates can follow these steps:

Eligibility Criteria:

  • Age requirement: at least 18 years and above (some accounts like Standard Chartered JumpStart have specific age limits)
  • Residency status:
    • Singaporeans
    • Permanent Residents
    • Foreigners with valid passes
  • Income Requirements: May vary per bank. For some accounts, specific employment or union membership status might be required.

Document Requirements:

  • Valid Identification Proof (NRIC for locals; Passport and Employment Pass/Dependent Pass for foreigners).
  • Proof of Residential Address (like utility bills, bank statements).
  • For foreign customers, additional documents like proof of employment or study might be needed.

Online Application Process:

  • Research: Identify banks offering savings accounts and compare their features, interest rates, and promotions.
  • Online Application: Visit the chosen bank’s website. Complete the online application form, providing personal details and selecting the type of savings account.
  • Document Upload: Upload required documents (discussed in the eligibility criteria section).
  • Verification: Await the bank’s verification process, which may involve a video call or an online verification step.
  • Account Activation: Once verified, the account will be activated, and online banking facilities can be set up.

Offline Application Process:

  • Bank Visit: Visit a local branch of the chosen bank.
  • Application Form: Fill out the application form available at the branch.
  • Document Submission: Submit the required documents for verification.
  • Face-to-Face Verification: Undergo a verification process, which may include a personal interview or identity verification.
  • Account Opening: Upon successful verification, the account will be opened, and you will receive account details and necessary banking tools (e.g., ATM card).

Real-Life Savings Scenarios: Which Account Fits Your Lifestyle?

Scenario 1: The Young Professional

Sarah, a 25-year-old marketer at the start of her career, has set her financial sights on creating an emergency fund and saving for travel. To achieve this, she finds the Standard Chartered JumpStart account ideal. 

This high-interest savings account is a perfect match for her needs, offering attractive interest rates without the hassle of maintaining a minimum balance. Its simplicity and efficiency in growing savings resonate with her goals, making it a suitable choice for her budding financial journey.

Scenario 2: The Established Executive

David, a 40-year-old executive with a stable income, aims to maximize the returns on his substantial savings. For someone like him, a savings account with tiered interest rates, such as the UOB Stash Account, is ideal. 

This account rewards larger savings pools with higher interest rates, aligning perfectly with David’s financial goal of earning more from his significant savings. The UOB Stash Account’s structure is particularly beneficial for individuals like David, looking to get the most out of their significant savings.

Tips for Selecting the Best Account:

  • Understand Your Needs: Assess your financial goals, income stability, saving habits, and any specific requirements like international transfers.
  • Compare Features: Look at interest rates, fees, account benefits, and any promotional offers.
  • Consider Lifestyle Fit: Choose an account that aligns with your lifestyle and financial habits, whether it’s simple savings or more complex financial management needs.

FAQs

1. Can I open a savings account without income?

Yes, you can open a savings account without having a regular income. Most banks do not require proof of income to open a basic savings account.

2. Can you open a savings account without credit?

Yes, you can open a savings account without having a credit history. Savings accounts typically do not require a credit check.

3. Which bank is the best savings account in Singapore?

Bank of China SmartSaver Account: Best Option For High Earners and Big Spenders

The SmartSaver account offers one of the highest interest rates in Singapore at 7%. However, to enjoy the 1.90% bonus interest, you’ll need to meet conditions, such as crediting your salary of S$6,000 and credit spend of at least S$500. 

UOB One Account: Most Accessible High Rates Even Without Crediting Your Salary

One of the best savings accounts in Singapore overall is the UOB One Account. It’s simple, straightforward, and you can earn 2.50% without crediting your salary. To get a higher bonus interest, you can also choose to credit your salary.

4. What type of savings account is best if you do not need access to the money quickly and want a high interest rate?

A high-yield savings account or a fixed deposit account is suitable if you don’t need quick access to your money and are looking for higher interest rates. These accounts often offer better returns for longer-term savings.

Final Word

There you have it – the list of the best savings accounts in Singapore. Some offer higher interest rates but are more complex than others. But there are also a few fuss-free options that are worth considering.

Key Takeaways

  • Different savings accounts offer different interest rates.
  • You can avail of bonus interest if you meet the eligible transactions.
  • Typically, you can get bonus interest through crediting your salary, credit card spending, and bill payments.
  • Savings accounts come with specific conditions and limitations so make sure to read the terms and conditions.

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