新加坡上班族最佳儲蓄賬戶——最高利率
（本文內容如與銀行官網有差異，以銀行官網信息爲准。小編未從這些建議中獲得任何傭金。）
“我的儲蓄賬戶糟透了，有什麽更好的選擇？”
本文專門爲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賬戶。
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賬戶
花幾分鍾付賬單，房租$800, 信用卡賬單$500（每日費用，例如餐飲，電話費、水電費等的）
銀行賬戶余額1萬以上不等
爲了完整起見，我們將比較新加坡的7個主要儲蓄賬戶 ，這些賬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。
推薦策略：DBS Multiplier + Any DBS card
您很可能很早就開始使用DBS/POSB儲蓄賬戶
但是，小編認爲將您的儲蓄保留在該賬戶中是不明智的，因此您需要申請Multiplier賬戶。最好的組合是DBS Multiplier賬戶外加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信用卡産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賬戶，在存款余額較低時，利息金額的差異並不顯著。（從1萬新元到3萬新元）
對于外國銀行賬戶（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于相關卡的月度支出（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産品（例如貸款，抵押等）
此外，如果您想提出疑問或討論有關儲蓄賬戶和信用卡交易的更多信息，請在下方留言。
——————延伸閱讀——————
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
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 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
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.
