Best Fixed Deposit Rates in Singapore 2026 (October)

Fixed deposit rates in Singapore currently reach 2.10% p.a., well above most savings accounts. Rates depend on your tenure and deposit size, so use the calculator below to see what you’d earn, or scan the full table to compare every bank.

Updated October 2026. Many promotional rates require fresh funds, so check each bank’s page before you commit.

Fixed deposit calculator

Tenure

Deposit amount

Interest is estimated for the full tenure.

Highest fixed deposit rates

The highest fixed deposit rate in Singapore is 2.10% p.a., offered by HL Bank (Online) for the 24-month tenure with a minimum deposit of S$10,000.

FD Comparison Table
Tenure	Institution	Interest Rate	Min Deposit
1-Mth	SingFinance (Online)	1.30% p.a.	S$10,000
2-Mth	Bank Of China (Mobile)	1.20% p.a.	S$500
3-Mth	Bank Of China (Mobile)	1.60% p.a.	S$500
4-Mth	GXS Bank	1.40% p.a.	S$100
5-Mth	Bank Of China (Mobile)	1.50% p.a.	S$500
6-Mth	HL Bank (Online)	2.05% p.a.	S$10,000
8-Mth	GXS Bank	1.30% p.a.	S$100
9-Mth	Bank Of China (Mobile)	2.00% p.a.	S$200,000
10-Mth	UOB	1.65% p.a.	S$10,000
12-Mth	Singapura Finance (Vivid)	2.08% p.a.	S$10,000
18-Mth	Singapura Finance (Vivid)	2.08% p.a.	S$10,000
24-Mth	HL Bank (Online)	2.10% p.a.	S$10,000

Compare fixed deposit rates

Updated October 4, 2026

All rates are in % p.a.

FD Comparison Table

Bank Of China (Mobile)	S$500	1.10%	1.20%	1.60%		1.50%	1.70%		1.70%		1.70%	1.60%	1.55%
Bank Of China (Mobile)	S$20,000						1.80%		1.85%		1.90%
Bank Of China (Mobile)	S$200,000						2.00%		2.00%		2.00%	1.65%
Bank of East Asia	S$100,000						1.80%				1.80%
CIMB	S$10,000			1.35%			1.75%		1.75%		1.95%
GXS Bank	S$100	1.01%		1.22%	1.40%			1.30%			1.75%
HL Bank	S$100,000						2.05%				2.05%	1.88%	2.10%
HL Bank (Online)	S$10,000						2.05%				2.05%	1.88%	2.10%
Hong Leong Finance	S$20,000						1.45%		1.55%		1.65%
Hong Leong Finance	S$100,000						1.50%		1.60%		1.70%
Hong Leong Finance (Online)	S$5,000						1.40%		1.50%		1.60%
Hong Leong Finance (Online)	S$20,000						1.50%		1.60%		1.70%
HSBC	S$30,000			1.40%			1.80%		1.20%		1.30%
ICBC (E-banking)	S$500	1.05%		1.25%			1.30%		1.10%		1.15%
ICBC (E-banking)	S$20,000	1.10%		1.30%			1.70%		1.70%		1.70%
ICBC (E-banking)	S$200,000	1.10%		1.30%			1.75%		1.75%		1.75%
MariBank	S$100	1.08%		1.28%			1.38%				1.48%
Maybank	S$20,000						1.85%		1.80%		1.85%
OCBC	S$20,000						1.45%		1.60%
OCBC (Online)	S$20,000						1.50%		1.65%
RHB	S$20,000			1.40%			1.80%				1.90%
Singapura Finance (Counter)	S$20,000						1.75%				1.98%	1.98%	1.98%
Singapura Finance (Vivid)	S$10,000										2.08%	2.08%	2.08%
SingFinance (Online)	S$1,000	1.15%		1.45%			1.50%				1.50%	1.50%	1.35%
SingFinance (Online)	S$10,000	1.30%		1.50%			1.80%				1.80%	1.60%	1.50%
Standard Chartered	S$25,000										1.70%
State Bank Of India	S$50,000						1.50%				1.40%
UOB	S$10,000						1.60%			1.65%	1.70%

Fixed deposit by institution

Sorted by highest rate. Tap a name to see all tenures.

HL Bank24-Mth · from S$10,000up to 2.10% p.a.

Online – Min Deposit: S$10,000

6-Mth

2.05%

12-Mth

2.05%

18-Mth

1.88%

24-Mth

2.10%

Standard – Min Deposit: S$100,000

6-Mth

2.05%

12-Mth

2.05%

18-Mth

1.88%

24-Mth

2.10%

Go to HL Bank

Singapura Finance12-Mth · from S$10,000up to 2.08% p.a.

Counter – Min Deposit: S$20,000

6-Mth

1.75%

12-Mth

1.98%

18-Mth

1.98%

24-Mth

1.98%

Vivid – Min Deposit: S$10,000

12-Mth

2.08%

18-Mth

2.08%

24-Mth

2.08%

Go to Singapura Finance

Bank Of China6-Mth · from S$200,000up to 2.00% p.a.

Mobile – Min Deposit: S$500

1-Mth

1.10%

2-Mth

1.20%

3-Mth

1.60%

5-Mth

1.50%

6-Mth

1.70%

9-Mth

1.70%

12-Mth

1.70%

18-Mth

1.60%

24-Mth

1.55%

Mobile – Min Deposit: S$20,000

6-Mth

1.80%

9-Mth

1.85%

12-Mth

1.90%

Mobile – Min Deposit: S$200,000

6-Mth

2.00%

9-Mth

2.00%

12-Mth

2.00%

18-Mth

1.65%

Go to Bank Of China

CIMB12-Mth · from S$10,000up to 1.95% p.a.

Min Deposit: S$10,000

Personal Banking

3-Mth

1.35%

6-Mth

1.75%

9-Mth

1.75%

12-Mth

1.95%

Higher-tier rates

Preferred Banking

3-Mth

1.40%

6-Mth

1.80%

9-Mth

1.80%

12-Mth

2.00%

Go to CIMB

RHB12-Mth · from S$20,000up to 1.90% p.a.

Min Deposit: S$20,000

Personal Banking

3-Mth

1.40%

6-Mth

1.80%

12-Mth

1.90%

Higher-tier rates

Premier Banking

3-Mth

1.50%

6-Mth

1.90%

12-Mth

2.00%

Go to RHB

Maybank6-Mth · from S$20,000up to 1.85% p.a.

Min Deposit: S$20,000

6-Mth

1.85%

9-Mth

1.80%

12-Mth

1.85%

Go to Maybank

SingFinance6-Mth · from S$10,000up to 1.80% p.a.

Online – Min Deposit: S$1,000

1-Mth

1.15%

3-Mth

1.45%

6-Mth

1.50%

12-Mth

1.50%

18-Mth

1.50%

24-Mth

1.35%

Online – Min Deposit: S$10,000

1-Mth

1.30%

3-Mth

1.50%

6-Mth

1.80%

12-Mth

1.80%

18-Mth

1.60%

24-Mth

1.50%

Go to SingFinance

HSBC6-Mth · from S$30,000up to 1.80% p.a.

Min Deposit: S$30,000

Personal Banking

3-Mth

1.40%

6-Mth

1.80%

9-Mth

1.20%

12-Mth

1.30%

Higher-tier rates

Premier Elite

3-Mth

1.60%

6-Mth

2.00%

9-Mth

1.60%

12-Mth

1.70%

Premier (with wealth holdings)

3-Mth

1.60%

6-Mth

2.00%

9-Mth

1.55%

12-Mth

1.65%

Premier FX

3-Mth

1.60%

6-Mth

2.00%

9-Mth

1.55%

12-Mth

1.65%

Premier (without wealth holdings)

3-Mth

1.60%

6-Mth

2.00%

9-Mth

1.25%

12-Mth

1.35%

Go to HSBC

Bank of East Asia6-Mth · from S$100,000up to 1.80% p.a.

Min Deposit: S$100,000

6-Mth

1.80%

12-Mth

1.80%

Go to Bank of East Asia

GXS Bank12-Mth · from S$100up to 1.75% p.a.

Min Deposit: S$100

1-Mth

1.01%

3-Mth

1.22%

4-Mth

1.40%

8-Mth

1.30%

12-Mth

1.75%

ICBC6-Mth · from S$200,000up to 1.75% p.a.

E-banking – Min Deposit: S$500

1-Mth

1.05%

3-Mth

1.25%

6-Mth

1.30%

9-Mth

1.10%

12-Mth

1.15%

E-banking – Min Deposit: S$20,000

1-Mth

1.10%

3-Mth

1.30%

6-Mth

1.70%

9-Mth

1.70%

12-Mth

1.70%

E-banking – Min Deposit: S$200,000

1-Mth

1.10%

3-Mth

1.30%

6-Mth

1.75%

9-Mth

1.75%

12-Mth

1.75%

Go to ICBC

UOB12-Mth · from S$10,000up to 1.70% p.a.

Min Deposit: S$10,000

6-Mth

1.60%

10-Mth

1.65%

12-Mth

1.70%

Go to UOB

Standard Chartered12-Mth · from S$25,0001.70% p.a.

Min Deposit: S$25,000

Personal Banking

12-Mth

1.70%

Higher-tier rates

Priority Banking

12-Mth

1.85%

Priority Private

12-Mth

1.95%

Go to Standard Chartered

Hong Leong Finance12-Mth · from S$100,000up to 1.70% p.a.

Standard – Min Deposit: S$20,000

6-Mth

1.45%

9-Mth

1.55%

12-Mth

1.65%

Standard – Min Deposit: S$100,000

6-Mth

1.50%

9-Mth

1.60%

12-Mth

1.70%

Online – Min Deposit: S$5,000

6-Mth

1.40%

9-Mth

1.50%

12-Mth

1.60%

Online – Min Deposit: S$20,000

6-Mth

1.50%

9-Mth

1.60%

12-Mth

1.70%

Go to Hong Leong Finance

OCBC9-Mth · from S$20,000up to 1.65% p.a.

Standard – Min Deposit: S$20,000

6-Mth

1.45%

9-Mth

1.60%

Online – Min Deposit: S$20,000

6-Mth

1.50%

9-Mth

1.65%

Go to OCBC

State Bank Of India6-Mth · from S$50,000up to 1.50% p.a.

Min Deposit: S$50,000

6-Mth

1.50%

12-Mth

1.40%

Go to State Bank Of India

MariBank12-Mth · from S$100up to 1.48% p.a.

Min Deposit: S$100

1-Mth

1.08%

3-Mth

1.28%

6-Mth

1.38%

12-Mth

1.48%

Go to MariBank

The 6- and 12-month tenures are the most popular, and the best rates often need S$10,000 or more. Compare the minimum deposit and tenure together, not just the headline rate, and confirm the current rate with the bank before depositing.