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。

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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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.

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 -

0.80% - Salary S$2,000 -

3) SCB Bonus $aver

Savings Account: SCB Bonus $aver

Spending Card: SCB Credit Cards

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

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.

5) UOB ONE

Savings Account: UOB ONE Savings Account

Spending Card: UOB ONE Credit Card

Bank

Balance

OPTION A:

Card