# 新加坡上班族最佳儲蓄帳戶——最高利率

URL: https://www.shicheng.news/zh-hant/v/7YGA7
Published: 2019-11-08
Source: 獅城新聞

## 新加坡上班族最佳儲蓄帳戶——最高利率



![新加坡上班族最佳儲蓄帳戶——最高利率](https://www.shicheng.news/images/image/1604/16045243.avif?1589859206)





（本文內容如與銀行官網有差異，以銀行官網信息為準。小編未從這些建議中獲得任何佣金。）

## 「我的儲蓄帳戶糟透了，有什麼更好的選擇？」





本文專門為有工作幾年經驗的新加坡上班族而寫，希望重新考慮他/她是否有正確的儲蓄帳戶。

## **一個新加坡上班族的典型情景**



薪水超過$3000，每月固定日期到銀行帳戶

花幾分鐘付帳單，房租$800, 信用卡帳單$500（每日費用，例如餐飲，電話費、水電費等的）

銀行帳戶餘額1萬以上不等

為了完整起見，我們將比較新加坡的7個主要儲蓄帳戶 ，這些帳戶通常根據上述薪金和支出來使用。 我們不會比較短期內銀行促銷利率。

![新加坡上班族最佳儲蓄帳戶——最高利率](https://www.shicheng.news/images/image/1604/16045244.avif?1589859206)





推薦策略：DBS Multiplier + Any DBS card

您很可能很早就開始使用DBS/POSB儲蓄帳戶

但是，小編認為將您的儲蓄保留在該帳戶中是不明智的，因此您需要申請Multiplier帳戶。最好的組合是DBS Multiplier帳戶外加DBS/POSB任意一張信用卡，您可以在短時間內獲得最多的利息回報。

DBS組合的局限性

您將需要申請DBS信用卡產品並在其上花費最低金額（或其他類別）

他們的ATM隊列通常最長

因此，一些讀者可能仍然選擇開設並繼續使用OCBC 360或UOB ONE帳戶，在存款餘額較低時，利息金額的差異並不顯著。（從1萬新元到3萬新元）

對於外國銀行帳戶（例如中國銀行，渣打銀行），通常網點有限，ATM取款可能更不方便。

重要注意事項：

請注意，以上圖表在很大程度上取決於相關卡的月度支出（返利）。

銀行在激烈競爭背後的事實是：世界上沒有免費的午餐。銀行提供優惠利率以獲取更多有關您的薪水和支出數據，並希望您將來購買其他銀行產品（例如貸款，抵押等）

此外，如果您想提出疑問或討論有關儲蓄帳戶和信用卡交易的更多信息，請在下方留言。

**------------------延伸閱讀------------------**

![新加坡上班族最佳儲蓄帳戶——最高利率](https://www.shicheng.news/images/image/1604/16045245.avif?1580393862)





## 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.

![新加坡上班族最佳儲蓄帳戶——最高利率](https://www.shicheng.news/images/image/1604/16045246.avif?1580393862)





## 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

![新加坡上班族最佳儲蓄帳戶——最高利率](https://www.shicheng.news/images/image/1604/16045247.avif?1580393862)





3) SCB Bonus $aver



Savings Account: SCB Bonus $aver

Spending Card: SCB Credit Cards

![新加坡上班族最佳儲蓄帳戶——最高利率](https://www.shicheng.news/images/image/1604/16045248.avif?1589859206)





![新加坡上班族最佳儲蓄帳戶——最高利率](https://www.shicheng.news/images/image/1604/16045249.avif?1580393863)





## 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.

![新加坡上班族最佳儲蓄帳戶——最高利率](https://www.shicheng.news/images/image/1604/16045250.avif?1580393863)





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%

![新加坡上班族最佳儲蓄帳戶——最高利率](https://www.shicheng.news/images/image/1604/16045251.avif?1580393863)





## 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

![新加坡上班族最佳儲蓄帳戶——最高利率](https://www.shicheng.news/images/image/1604/16045252.avif?1580393863)





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.

![新加坡上班族最佳儲蓄帳戶——最高利率](https://www.shicheng.news/images/image/1604/16045253.avif?1589859206)