StanChart Bonus$aver Account Frequently Asked Questions
Last Updated: 10th January 2026
Offering the best realistically achievable interest rates we’ve seen in the past few years, StanChart Bonus$aver Account is easily the best savings account right now. Here are some of the oft-repeated questions that people have asked when it comes to the account, its features, and promo.
Do also read the guide first.
Promo Related
Question: I already have another StanChart credit card or bank account, do I still qualify for the sign-up gift?
Yes. As long as you do not have any Bonus$aver card or account for the past 12 months, you will qualify for the Bonus$aver sign-up gift even if you have other StanChart cards/accounts.
Question: I have not had any StanChart card in the past 12 months and am considered a new cardholder. How do I maximise my rewards?
You should sign up for a StanChart credit card first to enjoy the new cardholder promo. Thereafter, sign up for the Bonus$aver account and credit card to qualify for the Bonus$aver promo.
Question: must I deposit S$50,000 immediately after account opening?
I’ve heard that the bank checks the account balance at the end of the account opening month. According to the terms and conditions, however, you should fund the S$50,000 as soon as your account is opened.
Anyway, with such high interest rates, you should fund your account as soon as possible.
StanChart Bonus$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
Salary Requirement
Question: can I “pay” myself a salary with another account?
Yes. Refer to the guide for how to do so and the differences between the different types of transfers.
Question: can I withdraw the salary credited immediately?
Yes.
Spend Requirement
Question: can I use any StanChart card for the Spend requirement?
No. Only spends on the Bonus$aver credit or debit card will be recognised for Bonus$aver bonus interest.
Question: why can’t I add my card to CardUp/ipaymy?
This happened to me too and I realised that I had to activate the card again within the SC Mobile app. Strange, but try to activate the card a second time if you encounter any card usage problems.
Question: can I spend on…
| Category | Remarks |
|---|---|
| AXS | ❓ |
| CardUp/ipaymy (any type of transaction) | ✅ |
| Insurance (direct payment to insurer that accepts Mastercard payment) | ✅ |
| Others | Do a search on the Telegram |
Invest Requirement
⚠️ 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.
Question: can I buy and sell the investment immediately?
According to what I’ve confirmed with someone from the bank, it depends when you invested:
| Old 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$30,000 |
| Holding Period | None | 6 months |
| Interest Crediting | Monthly | End of 6-month period |
There is no holding period of investments performed before 1st January 2026.
Investments done from 1st January 2026, however, has a holding period if you want to continue getting interest from the Invest category.
Question: do I need to invest every month?
No. After qualifying, you will get the bonus interest from the Invest category for 6 months.
General
Question: is there a tracker for the requirements?
No.
Question: why did I not receive my bonus interest?
Bonus interest from the different categories are given on different dates. It can also depend on how your salary was credited. See the guide for the timeline of interest crediting.
Question: is there a minimum account balance to enjoy Bonus$aver interest rates?
No. The account works for any amount up to S$100,000. The interest rate you receive for a S$100 balance is the same as S$100,000 balance.
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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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