Savings

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Singapore Savings Bonds

Past SSBs

Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
June 20232.81 2.81 2.81 2.81 2.81 2.81 2.81 2.81 2.81 2.81
July 20232.76 2.76 2.76 2.76 2.76 2.76 2.76 2.78 2.81 2.82
August 20232.97 2.97 2.97 2.97 2.97 2.97 2.97 2.98 2.98 2.99
September 20233.01 3.01 3.01 3.01 3.01 3.01 3.01 3.02 3.04 3.06
October 20233.05 3.05 3.05 3.05 3.05 3.05 3.06 3.09 3.13 3.16
November 20233.21 3.21 3.21 3.21 3.21 3.21 3.22 3.25 3.29 3.32
December 20233.30 3.30 3.30 3.30 3.30 3.30 3.31 3.34 3.37 3.40
January 20243.00 3.00 3.00 3.00 3.00 3.00 3.00 3.02 3.05 3.07
February 20242.72 2.72 2.72 2.72 2.72 2.72 2.72 2.75 2.78 2.81
March 20242.74 2.74 2.74 2.74 2.74 2.74 2.75 2.79 2.84 2.88
April 20242.95 2.95 2.95 2.95 2.95 2.95 2.96 2.99 3.02 3.04
May 20242.99 2.99 2.99 2.99 2.99 2.99 3.00 3.02 3.04 3.06
June 20243.26 3.26 3.26 3.26 3.26 3.26 3.27 3.29 3.31 3.33
July 2024 3.26 3.26 3.26 3.26 3.26 3.26 3.26 3.28 3.29 3.30
See More Past SSBs

Year From Issue Date12345678910
May 20220.861.491.721.841.911.962.012.042.062.09
Jun 20221.431.922.162.302.372.432.462.492.512.53
Jul 20221.692.162.372.472.542.602.632.662.692.71
Aug 20222.002.422.632.742.822.882.922.952.973.00
Sep 20222.632.672.682.692.692.712.732.752.782.80
Oct 20222.602.602.602.622.642.662.682.702.732.75
Nov 20223.083.113.143.153.163.173.183.193.203.21
Dec 20223.263.263.273.343.393.423.443.453.463.47
Jan 20232.952.952.953.023.093.133.163.193.233.26
Feb 20232.842.842.842.842.842.842.862.902.942.97
Mar 20232.762.762.762.762.762.762.782.822.862.90
Apr 20233.013.013.013.013.013.013.033.073.123.15
May 20233.033.033.033.033.033.033.033.043.063.07

Average return per year %

Banking Promos

Standard Chartered Bonus$aver

🔥

Until 31st August 2024 (promo by StanChart)

A new-to-Bonus$aver customer is defined as someone who must not have had a previous Bonus$aver Account and/or Bonus$aver Credit Card account suspended, cancelled or terminated in the last 12 months. Other StanChart cards/accounts do not affect your eligibility for Bonus$aver promo.

⚠️

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!

StepsReward
Sign up for Bonus$aver Account + Bonus$aver Credit Card as a new-to-product customer (use code 59642 if required)Get S$30 referral reward for using this link (at the moment unconfirmed; waiting for bank to update T&Cs but do use the code just in case)
Tap here to fill up Google FormTo monitor and keep track of referral + 1 credit towards any existing finhack
Deposit and maintain minimum S$50,000 of fresh funds until the end of following month (i.e. 30th June 2024 if account is opened in May 2024)S$68 cashback¹
Credit a minimum of S$3,000 monthly salary into your Bonus$aver account within 2 monthsS$100 cashback¹
Optional: be first 1,500 each month to commit S$10,000, S$50,000, or S$100,000 fundsS$10,000: S$50 cashback²

S$50,000: S$200 cashback²

S$100,000: S$500 cashback²

These are for reference only. Please refer to terms and conditions:

  1. Bonus$aver sign-up promo
  2. Save Up Level Up Promo

Citi Promo

Citigold Premier Banking

🔥

New to Citi bank accounts

Apply with link and start a Citigold Relationship with S$250,000 funding and completion of Investment Risk Profile and Fact Find Report to qualify.

Choose SingSaver gifts:

  1. 40,000 Max Miles (sign up for heymax account here for bonus 1,000 miles) or
  2.  S$800 Cash

Whichever you choose, get more rewards from Citibank:

  • 3% p.a. rate on 6-month SGD Time Deposit (S$3,750 for S$250,000 deposit)
  • Extra S$100 for holding a Citibank credit card
  • Extra S$100 for completing Investment Risk Profile and Fact Find Report
  • Extra S$500 for taking up a Citi Home Loan

Terms and Conditions:

Until 30th June 2024

Sign-up Process

  1. Apply with the link
  2. Important: find SingSaver email and fill in redemption form after application; no form no reward
  3. If you prefer Citibank’s offer, inform the Relationship Manager assigned to you and note that you will not be getting the SingSaver promo
  4. Fulfil requirements as stated in terms and conditions

Get personalised wealth management, a dedicated Relationship Manager, and other lifestyle and banking privileges.

Bank accounts

UOB Bank Accounts

Traded Endowment Policies

Traded endowment policies can be a great place to set aside savings, and have very compelling advantages over buying policies directly from insurance agents or companies.

Watch this video to find out more, and get $250 discount with promo code SETHISFY

Insurance “Savings Accounts”

Please note that these are not actual savings accounts, but insurance savings plan that allow withdrawal of cash value. Refer to their respective terms and conditions. More relevant back in 2020 to early 2022, we’ll see whether 2023 brings such products that are compelling.

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