High-Yield Savings Accounts Comparison Calculator

High-yield savings accounts (HYSA) have been getting convoluted over the years, some requiring multiple conditions while others offer interest in a tiered manner. Many like to advertise large numbers that may not be realistically achievable, making it difficult to compare accounts.

Cut through the marketing numbers by looking at effective interest rate (EIR) and it is now simple to do with the comparison calculator below! Not all the different requirements are worth completing too, so I have also included a table of categories that you can look at below the tool.

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Comparison Calculator

To use the calculator, simply:

1. Input your monthly balance amount
2. Select categories that you are able to fulfil (for DBS Multiplier, you have to enter the total amount of transactions you can make)

The calculator will show you the approximate monthly interest as well as effective interest rate (EIR) so you know which account works best. You can also tap each account name for a fuller review/guide, and those with a 🎁 icon denote a sign-up bonus.

Rates have been updated to reflect 1st May 2026 rates for OCBC 360 and StanChart Bonus$aver.

Which categories are better to fulfil?

I have put a ✅ next to categories that I think are worth fulfilling in the table below and ❓ for things that may be alright, but I have yet to explore yet.

For investment products, I generally avoid anything that involves a lock-in period because those tend to be very fee-laden. Even for products without lock-in periods, you should compare the fees of the investment against the interest you would receive. Of course, investments involve varying degrees of risk so you should consider your investment appetite and objective before investing just for higher interest.

Insurance products are almost always never worth buying just for additional interest due to the typically high costs involved and long commitment period. That said, buying a tiny policy to satisfy one more category for DBS Multiplier is something that has been practised by some.

Account	Salary Credit	Card Spend	Save / Growth	Bill Payment	Invest*	Insurance*	Other
OCBC 360	✅ ≥S$1,800 salary credit	✅ ≥S$500 spend on eligible cards	✅ Increase MAB by ≥S$500	–	✅ Buy ≥S$20,000 unit trusts ❓ Or structured deposits	Protection policy/ILP: ≥S$2,000/year Savings policy: ≥S$4,000/year: ❓ Single Premium Insurance: ≥S$20,000	–
SC BonusSaver	✅ ≥S$3,000 salary credit	✅ ≥S$1,000 spend on Bonus$aver Credit/Debit Card only	–	–	✅ Buy and hold ≥S$30,000 of stocks or unit trusts	Eligible SC insurance ≥ S$24,000	–
UOB Stash	–	–	✅ Maintain or increase balance	–	–	–	–
UOB One	✅ ≥S$1,600 salary credit	✅ ≥S$500 spend on eligible cards	–	≥3 GIRO debit transactions	–	–	–
DBS Multiplier	✅ Salary/dividends	✅ Any DBS/POSB card spend	–	–	✅ Stocks, invest unit trusts	❓ Most insurance policies sold by bank	✅ DBS Home Loan
BOC SmartSaver	✅ Min S$3,000 salary credit	✅ Spend on any BOC card (S$750 or S$2,500)	–	✅ ≥3 bill payments of at least S$30 each per month	–	Wealth products (min S$150k single premium, or S$24k annual premium, etc.)

Current Sign-up Promos

Welcome gifts and promos can greatly increase your returns, and there are currently 2 fantastic offers below:

Feature request or bank account suggestion?

If you spot any mistake, or have feature requests and suggestions for bank accounts to include in this tool, please let me know in the comments or Telegram community!

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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.

He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.

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Please exercise due diligence when signing up for any service/product as I will not be liable for any personal loss, financial or otherwise. Content published here are my sole views and personal opinion, and none of the information here constitutes personal financial advice nor represents the views of my employer(s).