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国家 / 🇸🇬 Singapore

在 Singapore 的最佳 fixed deposit 利率

来自 14 家供应商的 SGD fixed deposit 利率，每日直接从各银行网站读取，另有 3 家供应商待检查。按利率排序；无付费排名。

上次检查 18 Oct 2026, 03:42 UTC · 全部 17 家供应商 · savings account

最佳 3 个月利率

1.65% 年利率

Bank of China

促销 · 最低 S$20,000

最佳 6 个月利率

2.00% 年利率

Citibank

促销 · 最低 S$5,000 · 新资金

最佳 12 个月利率

2.10% 年利率

CIMB

促销 · 最低 S$10,000

针对 S$20,000 存款的最佳利率，向所有客户开放。促销可能提前结束，请向银行确认。

比较 fixed deposit 利率

期限
利率类型
选项

13 家银行提供 S$20,000 的12个月利率

银行年利率期限存款详情链接
CIMBSGD Fixed Deposit online promotion2.10%≈ S$420 (12 个月)12 个月S$10,000 +促销
通过 Online
前往银行
RHBSGD Fixed Deposit promotion2.10%≈ S$420 (12 个月)12 个月S$20,000 +促销
通过 Branch or RHB Mobile SG app
前往银行
MaybankDeposits Bundle promotion2.05%实际；宣传的 2.25%≈ S$410 (12 个月)12 个月S$20,000 +促销
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
前往银行
Bank of ChinaMobile Banking time deposit promotion1.95%≈ S$390 (12 个月)12 个月S$20,000 +促销
通过 BOC Mobile Banking; New placements
前往银行
ICBCSGD E-banking Fixed Deposit promotion1.80%≈ S$360 (12 个月)12 个月S$20,000 – S$199,999促销
通过 ICBC E-banking
前往银行
Sing Investments & FinanceDaily special rate (online)1.80%≈ S$360 (12 个月)12 个月S$10,000 +促销新资金
通过 Online; Personal accounts only
前往银行
Hong Leong FinanceOnline Fixed Deposit Special1.70%≈ S$340 (12 个月)12 个月S$20,000 +促销
通过 Online (HLF Digital); For customers with existing HLF fixed deposit and savings accounts
前往银行
UOBSGD Time/Fixed Deposit promotion1.70%≈ S$340 (12 个月)12 个月S$10,000 +促销新资金
通过 UOB TMRW app
前往银行
OCBCSGD Time Deposit promotion1.65%≈ S$330 (12 个月)12 个月S$20,000 – S$999,999促销新资金
通过 Online
前往银行
CitibankSGD Time Deposit (board rate)0.70%≈ S$140 (12 个月)12 个月S$10,000 – S$50,000基准利率
前往银行
HSBCSGD Time Deposit (board rate)0.15%≈ S$30 (12 个月)12 个月S$5,000 – S$49,999基准利率
前往银行
DBSSGD Fixed Deposit (board rate)0.05%≈ S$10 (12 个月)12 个月S$20,000 – S$49,999基准利率
Rate is set by your total SGD fixed deposit balance with the bank
前往银行
POSBSGD Fixed Deposit (board rate)0.05%≈ S$10 (12 个月)12 个月S$20,000 – S$49,999基准利率
Rate is set by your total SGD fixed deposit balance with the bank
前往银行

"Fresh funds" 指的是从其他银行转入的资金。Board rates 是基准利率；promos 是限时优惠。 我们如何收集并核查利率.

How is this list ordered?

By rate, highest first, for the amount and term you chose. Where a bank publishes its own blended effective rate we use that. Each bank appears once with its best matching offer unless you tick "Show every rate". Banks cannot pay to change the order.

Plan your deposit

Best rate by term

1 months: 1.30% at Sing Investments & Finance1.30%1 个月2 months: 1.20% at Bank of China1.20%2 个月3 months: 1.65% at Bank of China1.65%3 个月4 months: 0.10% at Hong Leong Finance0.10%4 个月6 months: 2.00% at Citibank2.00%6 个月9 months: 1.91% at Maybank1.91%9 个月12 months: 2.10% at CIMB2.10%12 个月18 months: 1.80% at Sing Investments & Finance1.80%18 个月24 months: 1.80% at Sing Investments & Finance1.80%24 个月36 months: 1.00% at UOB1.00%36 个月

Best rate open to any customer for S$20,000 at each term, from today's verified offers. Hover a point for the bank.

利率上升时发送邮件给我

双重确认：先通过邮件确认。当您的期限和金额的最佳利率上升时发送一封邮件。点击一次即可退订。

官方基准

6-month T-bill cut-off yield (BS26120W) 2026-10-081.90%
1-year T-bill cut-off yield (BY26103X) 2026-10-151.92%
Singapore Savings Bond GX26110X, first-year return apply by 2026-10-271.67%
Singapore Savings Bond GX26110X, 10-year average return apply by 2026-10-272.45%

来源：mas.gov.sg。仅作参考，不构成推荐。

存款保障：SDIC Deposit Insurance Scheme

限额S$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. 来源, 已检查 2026-10-18.

Where does your money earn most in Singapore?

Best 12-month fixed deposit (CIMB)2.10%
Best savings account (MariBank)3.08%
6-month T-bill cut-off yield (BS26120W)1.90%

Best 12-month deposit and best savings rate open to any customer, next to the official benchmark. Savings rates are variable and often conditional.

Questions about deposits in Singapore

What is the best 12-month fixed deposit rate in Singapore today?

2.10% p.a. at CIMB (minimum deposit: S$10,000), read from the bank's website at 18 Oct 2026, 03:42 UTC. Promotions change often, so confirm with the bank before you deposit.

What is the best 6-month fixed deposit rate in Singapore today?

2.00% p.a. at Citibank (minimum deposit: S$5,000), read from the bank's website at 18 Oct 2026, 03:42 UTC. Promotions change often, so confirm with the bank before you deposit.

Are fixed deposits in Singapore protected?

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.

How many banks do you compare in Singapore?

We list 17 providers. Rates for 14 of them are read automatically from their own websites every day; for the rest we link to the bank's official rate page and never show a number we have not read.

How do fixed deposit rates compare with the 6-month T-bill cut-off yield (BS26120W)?

The 6-month T-bill cut-off yield (BS26120W) is 1.90% (2026-10-08). The best 12-month fixed deposit rate open to any customer today is 2.10%.

Deposit rates in nearby countries

🇮🇳 India🇨🇳 China🇮🇩 Indonesia🇵🇰 Pakistan🇧🇩 Bangladesh🇯🇵 Japan🇵🇭 Philippines🇻🇳 Vietnam

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我们是比较服务平台，而非银行：我们不接受存款。利率可能随时变动；请在存款前向银行确认。此信息不构成理财建议。