（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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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.
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
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.
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%
6) Maybank SaveUpSavings 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
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.