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
- $500
- Verified
- 19 Sept 2026
- Min. Deposit
- $10,000
- Verified
- 19 Sept 2026
For deposits up to S$3 million.
- Min. Deposit
- $10,000
- Verified
- 19 Sept 2026
No 3-month promotion as at 19 Sep 2026 — HL Bank's promotional rates start at 6 months. The 3-month board rate is 0.20%.
| 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 |
| Bank of China SGD Time Deposit | 1.35% | $500 | — | 19 Sept 2026 |
| Citibank SGD Time Deposit | 0.60% | $10,000 | For deposits up to S$3 million. | 19 Sept 2026 |
| HL Bank SGD Fixed Deposit | Not available | $10,000 | No 3-month promotion as at 19 Sep 2026 — HL Bank's promotional rates start at 6 months. The 3-month board rate is 0.20%. | 19 Sept 2026 |
4-Month
- Min. Deposit
- $10,000
- Verified
- 19 Sept 2026
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 | 1.55% | $10,000 | 4- or 5-month tenor, min. S$10,000 in fresh funds. New placements and renewals, individual accounts only. | 19 Sept 2026 |
6-Month
- Min. Deposit
- $10,000
- Verified
- 19 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
- 19 Sept 2026
Personal Banking rate; min. S$20,000, placed at a branch or on the RHB Mobile SG App. Premier Banking earns 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
- 12 Sept 2026
Promotional rate for OCBC Internet/Mobile Banking customers.
- Min. Deposit
- $100
- Verified
- 19 Sept 2026
Not published on the web — refer to the MariBank app for current rates.
| Bank | Rate | Min. Deposit | Notes | Verified |
|---|---|---|---|---|
| Sing Investments & Finance SGD Fixed Deposit | 1.80% | $10,000 | Fresh funds only. | 19 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 |
| RHB SGD Fixed Deposit | 1.70% | $20,000 | Personal Banking rate; min. S$20,000, placed at a branch or on the RHB Mobile SG App. Premier Banking earns more. | 19 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 |
| UOB SGD Fixed Deposit | 1.50% | $10,000 | Fresh funds placement required. | 12 Sept 2026 |
| SBI SGD Fixed Deposit | 1.50% | $50,000 | Promotional rate. | 19 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 | Not available | $100 | Not published on the web — refer to the MariBank app for current rates. | 19 Sept 2026 |
1-Year
- Min. Deposit
- $10,000
- Verified
- 19 Sept 2026
Fresh funds only.
- Min. Deposit
- $10,000
- Verified
- 19 Sept 2026
Personal Banking online promotional rate; min. S$10,000. Preferred Banking earns more.
- Min. Deposit
- $20,000
- Verified
- 19 Sept 2026
Personal Banking rate; min. S$20,000, placed at a branch or on the RHB Mobile SG App. Premier Banking earns more.
- Min. Deposit
- $20,000
- Verified
- 19 Sept 2026
Vivid Fixed Deposit; min. S$20,000. Rates effective from 14 Sep 2026.
- 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 49 days
Effective interest rate for funds of $22,000 and above.
- Min. Deposit
- $20,000
- Verified
- 19 Sept 2026
Promotional rate for OCBC Internet/Mobile Banking customers.
- Min. Deposit
- $1,000
- Verified
- 02 Aug 2026Not verified in 49 days
For deposits of $1,000-$19,999; higher tiers have different rates.
- Min. Deposit
- $100
- Verified
- 19 Sept 2026
Not published on the web — refer to the MariBank app for current rates.
| Bank | Rate | Min. Deposit | Notes | Verified |
|---|---|---|---|---|
| Sing Investments & Finance SGD Fixed Deposit | 1.80% | $10,000 | Fresh funds only. | 19 Sept 2026 |
| CIMB SGD Fixed Deposit | 1.70% | $10,000 | Personal Banking online promotional rate; min. S$10,000. Preferred Banking earns more. | 19 Sept 2026 |
| RHB SGD Fixed Deposit | 1.70% | $20,000 | Personal Banking rate; min. S$20,000, placed at a branch or on the RHB Mobile SG App. Premier Banking earns more. | 19 Sept 2026 |
| Singapura Finance Vivid Fixed Deposit | 1.70% | $20,000 | Vivid Fixed Deposit; min. S$20,000. Rates effective from 14 Sep 2026. | 19 Sept 2026 |
| 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 49 days |
| OCBC SGD Fixed Deposit | 1.50% | $20,000 | Promotional rate for OCBC Internet/Mobile Banking customers. | 19 Sept 2026 |
| SBI SGD Fixed Deposit | 1.40% | $50,000 | Promotional rate. | 19 Sept 2026 |
| 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 49 days |
| MariBank Mari Fixed Deposit | Not available | $100 | Not published on the web — refer to the MariBank app for current rates. | 19 Sept 2026 |
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.