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Best 12-month fixed deposit rates in Singapore

Best 12-month rate per provider for a S$20,000 deposit, open to any customer, read from each bank's website. Last checked 18 Oct 2026, 03:42 UTC.

3-month 6-month All tenures and amounts

Bank	Rate p.a.	Tenure	Deposit	Details	Link
CIMBSGD Fixed Deposit online promotion	2.10%≈ S$420 in 12 months	12 months	S$10,000 +	Promo Via Online	Przejdź do banku
RHBSGD Fixed Deposit promotion	2.10%≈ S$420 in 12 months	12 months	S$20,000 +	Promo Via Branch or RHB Mobile SG app	Przejdź do banku
MaybankDeposits Bundle promotion	2.05%effective; advertised 2.25%≈ S$410 in 12 months	12 months	S$20,000 +	Promo 10% of the deposit must sit in a Maybank savings or current account (fresh funds) for the same tenure; ranked by the bank's published effective rate; Individual customers only	Przejdź do banku
Bank of ChinaMobile Banking time deposit promotion	1.95%≈ S$390 in 12 months	12 months	S$20,000 +	Promo Via BOC Mobile Banking; New placements	Przejdź do banku
ICBCSGD E-banking Fixed Deposit promotion	1.80%≈ S$360 in 12 months	12 months	S$20,000 – S$199,999	Promo Via ICBC E-banking	Przejdź do banku
Sing Investments & FinanceDaily special rate (online)	1.80%≈ S$360 in 12 months	12 months	S$10,000 +	PromoFresh funds Via Online; Personal accounts only	Przejdź do banku
Hong Leong FinanceOnline Fixed Deposit Special	1.70%≈ S$340 in 12 months	12 months	S$20,000 +	Promo Via Online (HLF Digital); For customers with existing HLF fixed deposit and savings accounts	Przejdź do banku
UOBSGD Time/Fixed Deposit promotion	1.70%≈ S$340 in 12 months	12 months	S$10,000 +	PromoFresh funds Via UOB TMRW app	Przejdź do banku
OCBCSGD Time Deposit promotion	1.65%≈ S$330 in 12 months	12 months	S$20,000 – S$999,999	PromoFresh funds Via Online	Przejdź do banku
CitibankSGD Time Deposit (board rate)	0.70%≈ S$140 in 12 months	12 months	S$10,000 – S$50,000	Board rate	Przejdź do banku
HSBCSGD Time Deposit (board rate)	0.15%≈ S$30 in 12 months	12 months	S$5,000 – S$49,999	Board rate	Przejdź do banku
DBSSGD Fixed Deposit (board rate)	0.05%≈ S$10 in 12 months	12 months	S$20,000 – S$49,999	Board rate Rate is set by your total SGD fixed deposit balance with the bank	Przejdź do banku
POSBSGD Fixed Deposit (board rate)	0.05%≈ S$10 in 12 months	12 months	S$20,000 – S$49,999	Board rate Rate is set by your total SGD fixed deposit balance with the bank	Przejdź do banku

Different amount, priority tiers or fresh-funds filter? Open the full comparison.

Deposit protection: SDIC Deposit Insurance Scheme

LimitS$100,000

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. Source, checked 2026-10-18.

We're a comparison service, not a bank: we don't take deposits. Rates change without notice; verify with the bank before you deposit. Not financial advice.