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Compare Fixed Deposits

Which Fixed Deposit Pays Most?

Enter your amount and when you need the money. See each deposit’s rate for that term and the interest it could pay.

Who Can Apply?

Fixed deposits: each bank sets its own rules on age, residency and documents, so check eligibility with the bank. T-bills at auction (MAS): individuals with a DBS/POSB, OCBC or UOB bank account and an individual CDP account with Direct Crediting, or through SRS or CPFIS. Minimum S$1,000.

Step 2 Your Result

Highest listed deposit rate

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Estimates use the conditions below.

Your Deposit Matches

Estimates use the numbers you entered. Check eligibility and current terms before applying.

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Products We Could Not Rank

These do not fit your inputs, or the provider does not publish comparable rates or fees. Each one shows the reason. Check the official source for details.

What These Columns Mean
Rate Per Year / Interest Over Your Term
The yearly interest rate for your chosen term, and the S$ interest it would pay by the end of that term. Interest is not reinvested.
What To Check
How we worked out the number, plus the conditions and official source to confirm before you apply.
Provider Link
Opens the provider’s own page in a new tab.

Step 3 What Next

Put The Number In Context

Should I Ladder T-Bills Instead?T-Bill Ladder toolWhere Else Could My Cash Earn More?Yield Comparison tool

Your Shortlist

Your chosen products, using the same inputs. Check the conditions before you visit a provider.

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Our Method

How This Comparison Works

We rank fixed deposits for your chosen term by yearly rate. Estimated interest for the term = deposit × rate × months ÷ 12, with no reinvesting. The bank’s own figure uses its actual start and maturity dates. Offers with an end date drop out of the ranking after that date. Past T-bill results are never ranked against offers you can place today.

Only products we checked in the last 30 days can rank. Expired offers are left out. Paid links never change the order. We compare a selection of products, not every product on the market.

Each bank defines fresh funds (new money to the bank) in its own way. Confirm the rate before you place your deposit and check the early-withdrawal rules. Bank of China’s weekly mobile rates change every week and are excluded; only its dated new-to-bank offer is listed. Finance-company deposits (Hong Leong Finance, Singapura Finance, Sing Investments & Finance) are SDIC-insured on the same terms as bank deposits: Singapore-dollar deposits up to S$100,000 per person per bank or finance company (SDIC, sdic.org.sg, checked 6 Oct 2026). Promotions that ended on 30 September 2026 (HSBC, Citibank, Standard Chartered) are excluded. Relationship-tier rates, CIMB Preferred Banking and Islamic deposit rates are outside this comparison. A T-bill’s cut-off yield is known only after auction; the historical reference is not an available offer or a forecast. No assumption is made about the next auction or future reinvestment rates.

Spot an error? Tell us on the contact form. Are you one of these providers? Send a provider reply or correction. We check the official source before we change anything.

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All Official Provider Sources

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