PSA: Complete Bonus$aver Invest Category in December 2025 For Current Terms
Standard Chartered has recently announced a revision to Bonus$aver Account, and… it’s not a terrible nerf. The realistically achievable interest will drop to 4.55% p.a. from 1st January 2026, just a percentage point lower than the generous 5.55% p.a. it has been offering since June 2025. By any reasonable standard, this is still an excellent interest rate that I would definitely continue to maximise for my cash savings.
The Invest category, however, is also seeing some changes with the minimum amount increased to S$30,000 and a holding period imposed. This begs the question whether users who have completed the Invest category before the new terms and conditions kick in would be grandfathered under the old terms and conditions, or have to re-qualify for the Invest category when the new terms take effect.
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Current terms and conditions apply to Invest category before 1st January 2026
I have reached out to the bank (through an agency I work with) to confirm what happens to users who complete the Invest requirement before the new changes take effect and received the following response (edited slightly for grammar and punctuation):
If a unit trust was subscribed on or before December 2025, you just need to maintain $20k. The new requirement only kicks in if someone subscribes starting January
This means that those who complete the Invest category before the changes take place from 1st January 2026 will be under the current terms and conditions which are less stringent.
| Current T&Cs | T&Cs From 1st Jan 2026 | |
|---|---|---|
| Applicable To | Investments before 1st Jan 2026 | Investments from 1st Jan 2026 |
| Investment Amount | S$20,000 | S$30,000 |
| Holding Period | None | 6 months |
| Interest Crediting | Monthly | Monthly |
New users: open your account and complete the requirements in December 2025
For those who have yet to open an account, the best time to do so is in December 2025. Not only would you still get 5.55% p.a. for the final month, you also get to satisfy the Invest category with more lenient conditions and get bonus interest for the next 6 months. Refer to the guide for more on optimising the Bonus$aver Account’s high interest rates.
⚠️ Investing involves risk and Sethisfy.com is not liable for any loss, financial or otherwise. You are encouraged to exercise due diligence when signing up for any financial product, or investing based on the materials published on this site. None of the content here should be construed as financial advice.
StanChart Bonus$aver
Earn up to 5.85% p.a. (realistically 3.35% p.a.) with Bonus$aver account! Check out the guide for more details
💳 New Cardholders
Don’t have a StanChart Credit Card yet? Make sure you sign up for a StanChart Credit Card first to enjoy the credit promo, then sign up for Bonus$aver to enjoy both promos. The order matters!
🎁 New Bonus$aver Accountholders
Sign up for Bonus$aver Account + Bonus$aver Credit Card as a new-to-product customer (use code 6C76E if required) by 30th June 2026. Existing card/accountholders of other StanChart products still qualify!
Deposit and maintain minimum S$50,000 of fresh funds until the end of following month (e.g. 31st August for accounts opened in July) to get:
- Get S$138¹!
- Use code
6C76E: bonus S$30¹!
⚠️ Important Notes
- Existing StanChart cardholders/accountholders can still qualify as long as you do not own Bonus$aver account and/or card for past 12 months
Terms and conditions: [1]
For reference only; refer to exact details in terms and conditions
Existing users: it might be a good time to re-qualify
Incidentally, my account was opened in June 2025 and I achieved the Invest category in that month. The final month for getting bonus interest from the Invest category would hence be November 2025 (with bonus interest credited at the end of December 2025). I would therefore have to re-complete the Invest category in December 2025 to continue receiving 2.5% p.a. bonus interest for the months of December 2025 to May 2026.
⚠️ Investing involves risk and Sethisfy.com is not liable for any loss, financial or otherwise. You are encouraged to exercise due diligence when signing up for any financial product, or investing based on the materials published on this site. None of the content here should be construed as financial advice.
Here is when you need to re-qualify for the Invest category depending on the month you last completed it:
| Qualification Month | Re-qualification Month |
|---|---|
| June 2025 | December 2025 |
| July 2025 | January 2026 |
| August 2025 | February 2026 |
| September 2025 | March 2026 |
| October 2025 | April 2026 |
| November 2025 | May 2026 |
Even if you are not due for re-qualification yet, I think there is a case to re-qualify in December 2025 if you want to be under the current, more lenient terms and conditions for the next 6 months. Now, I’m not 100% sure that someone can reset the 6-month period if they are currently still under the 6-month period from their initial investment, but I think it’s reasonable to assume that it is possible. Someone who has done so should fill us in with their experience here.
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Nobody likes nerfs, but Bonus$aver’s drop in rates was as demure and as mindful as a nerf could be. At 4.55% p.a., it remains the top of the pack among high-yield savings accounts, and easily retains its crown of best savings account right now. The stricter requirements for the Invest category is unfortunate, but users can still take the month of December 2025 to qualify under the current terms and conditions, and this is why you stay subscribed for more updates like this. Leave notifications turned on so that you don’t miss time-sensitive updates!
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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Thank you! More informative than SC’s own customer service LOL