新加坡上班族最佳储蓄账户——最高利率

2019-11-08     37,488

新加坡上班族最佳储蓄账户——最高利率

新加坡上班族最佳储蓄账户——最高利率

(本文内容如与银行官网有差异,以银行官网信息为准。小编未从这些建议中获得任何佣金。)

“我的储蓄账户糟透了,有什么更好的选择?”

本文专门为有工作几年经验的新加坡上班族而写,希望重新考虑他/她是否有正确的储蓄账户。

一个新加坡上班族的典型情景

薪水超过$3000,每月固定日期到银行账户

花几分钟付账单,房租$800, 信用卡账单$500(每日费用,例如餐饮,电话费、水电费等的)

银行账户余额1万以上不等

为了完整起见,我们将比较新加坡的7个主要储蓄账户 ,这些账户通常根据上述薪金和支出来使用。 我们不会比较短期内银行促销利率。

新加坡上班族最佳储蓄账户——最高利率

推荐策略:DBS Multiplier + Any DBS card

您很可能很早就开始使用DBS/POSB储蓄账户

但是,小编认为将您的储蓄保留在该账户中是不明智的,因此您需要申请Multiplier账户。最好的组合是DBS Multiplier账户外加DBS/POSB任意一张信用卡,您可以在短时间内获得最多的利息回报。

DBS组合的局限性

您将需要申请DBS信用卡产品并在其上花费最低金额(或其他类别)

他们的ATM队列通常最长

因此,一些读者可能仍然选择开设并继续使用OCBC 360或UOB ONE账户,在存款余额较低时,利息金额的差异并不显著。(从1万新元到3万新元)

对于外国银行账户(例如中国银行,渣打银行),通常网点有限,ATM取款可能更不方便。

重要注意事项:

请注意,以上图表在很大程度上取决于相关卡的月度支出(返利)。

银行在激烈竞争背后的事实是:世界上没有免费的午餐。银行提供优惠利率以获取更多有关您的薪水和支出数据,并希望您将来购买其他银行产品(例如贷款,抵押等)

此外,如果您想提出疑问或讨论有关储蓄账户和信用卡交易的更多信息,请在下方留言。

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新加坡上班族最佳储蓄账户——最高利率

1) DBS Multiplier Account

Savings Account: DBS Multiplier Account

Spending Card: DBS Credit cards

The Realistic interest rate of 1.55% was calculated with $2,600 worth of transactions = $2,000 Salary + $600 Card Spend

However, the best part about it is that you can just shift it around accordingly, for example, $2,600 worth of transactions = $2,500 Salary + $100 Card Spend

Total Eligible

Transactions

OPTION A:

Salary Credit AND

1 categoryOPTION B:

Salary Credit AND

2 or more categories

Below

S$2,000

0.05% p.a.0.05% p.a.

From

S$2,000

1.55% p.a.1.80% p.a.

From

S$2,500

1.85% p.a.2.00% p.a.

From

S$5,000

1.90% p.a.2.20% p.a.

From

S$15,000

2.00% p.a.2.30% p.a.

From

S$30,000

2.08% p.a.3.50% p.a.

新加坡上班族最佳储蓄账户——最高利率

2) Bank Of China

Savings Account: BOC Smart Saver Account

Spending Card: BOC Family Card

CategoryBonus InterestConditions

Card

Spend

Up to 1.60%1.60% - Monthly Spent above S$1,500

0.80% - Monthly Spent S$500 - < S$1,500SalaryUp to 1.20%1.20% - Salary S$6,000 and above

0.80% - Salary S$2,000 - < S$6,000Payment0.35%3 bills of at least S$30Extra Savings0.60%At least ONE fulfilled condition

新加坡上班族最佳储蓄账户——最高利率

3) SCB Bonus $aver

Savings Account: SCB Bonus $aver

Spending Card: SCB Credit Cards

新加坡上班族最佳储蓄账户——最高利率
新加坡上班族最佳储蓄账户——最高利率

4) OCBC 360

Article is updated to reflect OCBC Bank’s update, effective from 1 November 2018.

Savings Account: 360 Savings Account

Spending Card: 365 Credit Card

Main Conditions for OCBC 360

CategoryCondition

First

$35,000

Next

$35,000

SalaryAt least S$2,000 through GIRO

1.20%

p.a.

2.0%

p.a.

SpendAt least S$500 on OCBC Credit Cards

0.30%

p.a.

0.60%

p.a.

(NEW!)

Step-UpIncrease your account balance by at least S$500 compared to previous month

0.30%

p.a.

0.60%

p.a.

WealthInsure or invest with OCBC Bank and earn this bonus interest for 12 months

0.60

%p.a.

1.20%

p.a.

Total Interest

2.40%

p.a.

4.40%

p.a.

Things to note:

If you plan to use OCBC 365 Credit Card for your “Spend” category, do note that OCBC 365 Credit Card requires a minimum spend of S$800 to be eligible for all their cashback.

Additional Interest Available to Earn for OCBC 360

CategoryConditionInterest Rates(NEW!)

BoostAdditional 1% on the difference from the previous month balance

(Capped at S$1,000,000 in your balance)1% p.a.Grow

(Old Name: "Save Bonus")Earn this extra bonus on the first S$70,000 if your account balance is at least S$200,0001% p.a.

新加坡上班族最佳储蓄账户——最高利率

5) UOB ONE

Savings Account: UOB ONE Savings Account

Spending Card: UOB ONE Credit Card

Bank

Balance

OPTION A:

Card

Spend of min.

S$500

OPTION B:

Card Spend of min. S$500

AND credit your salary

OR make 3 GIRO debit transactions

First

S$15,000

1.50%1.85%

Next

S$15,000

1.50%2%

From

S$30,000

1.50%2.15%

From

S$45,000

1.50%2.30%

From

S$60,000

1.50%3.88%

From

S$75,000

0.05%0.05%

新加坡上班族最佳储蓄账户——最高利率

6) Maybank SaveUp

Savings Account: Maybank SaveUp

Spending Card: Maybank Credit Cards

Interest / Additional InterestsBase Interest0.3125% p.a.1 product or service0.3% p.a.2 products or services0.8% p.a.3 products or services2.75% p.a.

*Additional interest capped at first S$60,000 of the deposit.

9 Products from Maybank to choose from:

Credit Cards

GIRO

Salary Crediting

Education Loan

Hire Purchase Loan

Home Loan

Life Insurance

Renovation Loan

Unit Trusts

新加坡上班族最佳储蓄账户——最高利率

7) CIMB FastSaver

Most straightforward savings account WITH NO CONDITIONS.

Savings Account: CIMB FastSaver

Spending Card: CIMB Credit Cards

Account BalanceInterest RatesFirst S$50,0001.00% p.a.Above S$50,0000.60% p.a.

新加坡上班族最佳储蓄账户——最高利率

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