Earn up to 3.05% interest! — Best fixed deposit rates in Singapore this Jan 2025

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SINGAPORE: Grow your money while celebrating the Chinese New Year with deposits starting at S$500, as banks offer fixed deposit rates of up to 3.05% per annum this January 2025!

Jan 2025 Highest Fixed Deposit Rates

Maybank
- Interest Rate: 3.05% p.a. (branch placement)
- Commitment Period: 6 months
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- Minimum Amount: S$20,000
Syfe Cash+ Guaranteed
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- Interest Rate: 3.00% p.a.
- Commitment Period: 1 month or 3 months
- Minimum Amount: No minimum
StashAway Simple Guaranteed
- Interest Rate: 3.00% p.a.
- Commitment Period: 1 month or 3 months
- Minimum Amount: No minimum
Bank of China
- Interest Rate: 2.95% p.a. (via mobile banking)
- Commitment Period: 3 months
- Minimum Amount: S$500
ICBC
- Interest Rate: 2.90% p.a. (via e-banking)
- Commitment Period: 3 months
- Minimum Amount: S$500
CIMB
- Interest Rate: 2.70 – 2.75% p.a.
- Commitment Period: 6 months
- Minimum Amount: S$10,000
Hong Leong Finance
- Interest Rate: 2.65% p.a. (online fixed deposit special)
- Commitment Period: 6 months
- Minimum Amount: S$20,000
State Bank of India
- Interest Rate: 2.65% p.a.
- Commitment Period: 6 months
- Minimum Amount: S$50,000
RHB
- Interest Rate: 2.58 – 2.68% p.a.
- Commitment Period: 3 months or 6 months or 12 months
- Minimum Amount: S$20,000
Standard Chartered
- Interest Rate: 2.40 – 2.60% p.a.
- Commitment Period: 6 months
- Minimum Amount: S$25,000
DBS
- Interest Rate: 2.45% p.a.
- Commitment Period: 12 months
- Minimum Amount: S$1,000
OCBC
- Interest Rate: 2.45% p.a. (internet banking)
- Commitment Period: 6 months
- Minimum Amount: S$30,000
UOB
- Interest Rate: 2.40% p.a.
- Commitment Period: 6 months
- Minimum Amount: S$10,000

Jan 2025 Best fixed deposit rates by commitment period

3-Month commitment period:

Syfe Cash+ Guaranteed
- Interest Rate: 3.00% p.a.
- Commitment Period: 3 months
- Minimum Amount: No minimum
StashAway Simple Guaranteed
- Interest Rate: 3.00% p.a.
- Commitment Period: 3 months
- Minimum Amount: No minimum
Bank of China
- Interest Rate: 2.95% p.a.(via mobile banking)
- Commitment Period: 3 months
- Minimum Amount: S$500
ICBC
- Interest Rate: 2.90% p.a.(via e-banking)
- Commitment Period: 3 months
- Minimum Amount: S$500
Citibank
- Interest Rate: 2.90% p.a. (T&Cs apply)
- Commitment Period: 3 months
- Minimum Amount: S$10,000
CIMB
- Interest Rate: 2.65 – 2.70% p.a.
- Commitment Period: 3 months
- Minimum Amount: S$10,000
RHB
- Interest Rate: 2.58 – 2.68% p.a.
- Commitment Period: 3 months
- Minimum Amount: S$20,000

6-Month commitment period:

Maybank
- Interest Rate: 3.05% p.a. (branch placement)
- Commitment Period: 6 months
- Minimum Amount: S$20,000
Syfe Cash+ Guaranteed
- Interest Rate: 2.85% p.a.
- Commitment Period: 6 months
- Minimum Amount: No minimum
StashAway Simple Guaranteed
- Interest Rate: 2.85% p.a.
- Commitment Period: 6 months
- Minimum Amount: No minimum
Bank of China
- Interest Rate: 2.75% p.a.(via mobile banking)
- Commitment Period: 6 months
- Minimum Amount: S$500
CIMB
- Interest Rate: 2.70 – 2.75% p.a.
- Commitment Period: 6 months
- Minimum Amount: S$10,000
RHB
- Interest Rate: 2.58 – 2.68% p.a.
- Commitment Period: 6 months
- Minimum Amount: S$20,000
State Bank of India
- Interest Rate: 2.65% p.a.
- Commitment Period: 6 months
- Minimum Amount: S$50,000
HSBC
- Interest Rate: 2.48% p.a.
- Commitment Period: 6 months
- Minimum Amount: S$30,000
ICBC
- Interest Rate: 2.45% p.a.(via e-banking)
- Commitment Period: 6 months
- Minimum Amount: S$500
OCBC
- Interest Rate: 2.45% p.a. (internet banking)
- Commitment Period: 6 months
- Minimum Amount: S$30,000

12-Month commitment period:

Maybank
- Interest Rate: 2.80% p.a. (branch placement)
- Commitment Period: 12 months
- Minimum Amount: S$20,000
Syfe Cash+ Guaranteed
- Interest Rate: 2.75% p.a.
- Commitment Period: 12 months
- Minimum Amount: No minimum
StashAway Simple Guaranteed
- Interest Rate: 2.75% p.a.
- Commitment Period: 12 months
- Minimum Amount: No minimum
Bank of China
- Interest Rate: 2.60% p.a.(via mobile banking)
- Commitment Period: 12 months
- Minimum Amount: S$500
RHB
- Interest Rate: 2.58 – 2.68% p.a.
- Commitment Period: 12 months
- Minimum Amount: S$20,000
CIMB
- Interest Rate: 2.55 – 2.60% p.a.
- Commitment Period: 12 months
- Minimum Amount: S$10,000
State Bank of India
- Interest Rate: 2.50% p.a.
- Commitment Period: 12 months
- Minimum Amount: S$50,000
ICBC
- Interest Rate: 2.30% p.a.(via e-banking)
- Commitment Period: 12 months
- Minimum Amount: S$500
OCBC
- Interest Rate: 2.30% p.a. (internet banking)
- Commitment Period: 12 months
- Minimum Amount: S$30,000

Jan 2025 Best fixed deposit rates by minimum deposit

Deposits $10,000 and under:

Bank of China
- Interest Rate: 2.95% p.a. (via mobile banking)
- Commitment Period: 3 months
- Minimum Amount: S$500
ICBC
- Interest Rate: 2.90% p.a. (via e-banking)
- Commitment Period: 3 months
- Minimum Amount: S$500
CIMB
- Interest Rate: 2.70 – 2.75% p.a.
- Commitment Period: 6 months
- Minimum Amount: S$10,000
Hong Leong Finance
- Interest Rate: 2.60% p.a. (online fixed deposit special)
- Commitment Period: 6 months
- Minimum Amount: S$5,000
DBS
- Interest Rate: 2.45% p.a.
- Commitment Period: 12 months
- Minimum Amount: S$1,000
UOB
- Interest Rate: 2.40% p.a.
- Commitment Period: 6 months
- Minimum Amount: S$10,000

Deposits $20,000–$49,999:

Maybank
- Interest Rate: 3.05% p.a. (branch placement)
- Commitment Period: 6 months
- Minimum Amount: S$20,000
Bank of China
- Interest Rate: 2.95% p.a. (via mobile banking)
- Commitment Period: 3 months
- Minimum Amount: S$500
ICBC
- Interest Rate: 2.90% p.a. (via e-banking)
- Commitment Period: 3 months
- Minimum Amount: S$500
CIMB
- Interest Rate: 2.70 – 2.75% p.a.
- Commitment Period: 6 months
- Minimum Amount: S$10,000
RHB
- Interest Rate: 2.58 – 2.68% p.a.
- Commitment Period: 3 months or 6 months or 12 months
- Minimum Amount: S$20,000
Hong Leong Finance
- Interest Rate: 2.65% p.a. (online fixed deposit special)
- Commitment Period: 6 months
- Minimum Amount: S$20,000
Standard Chartered
- Interest Rate: 2.40 – 2.60% p.a.
- Commitment Period: 6 months
- Minimum Amount: S$25,000
HSBC
- Interest Rate: 2.48% p.a.
- Commitment Period: 6 months
- Minimum Amount: S$30,000
OCBC
- Interest Rate: 2.45% p.a. (internet banking)
- Commitment Period: 6 months
- Minimum Amount: S$30,000

Deposits $50,000 and above:

Bank of China
- Interest Rate: 2.95% p.a. (via mobile banking)
- Commitment Period: 3 months
- Minimum Amount: S$500
ICBC
- Interest Rate: 2.90% p.a. (via e-banking)
- Commitment Period: 3 months
- Minimum Amount: S$500
Citibank
- Interest Rate: 2.90% p.a. (T&Cs apply)
- Commitment Period: 3 months
- Minimum Amount: S$10,000
CIMB
- Interest Rate: 2.70 – 2.75% p.a.
- Commitment Period: 6 months
- Minimum Amount: S$10,000
State Bank of India
- Interest Rate: 2.65% p.a.
- Commitment Period: 6 months
- Minimum Amount: S$50,000
Hong Leong Finance
- Interest Rate: 2.60% p.a.
- Commitment Period: 6 months
- Minimum Amount: S$50,000
RHB
- Interest Rate: 2.58 – 2.68% p.a.
- Commitment Period: 3 months or 6 months or 12 months
- Minimum Amount: S$20,000
HSBC
- Interest Rate: 2.48% p.a.
- Commitment Period: 6 months
- Minimum Amount: S$30,000

Disclaimer: Rates are promotional and subject to change. For the most current rates, visit the respective bank websites

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Earn up to 3.05% interest! — Best fixed deposit rates in Singapore this Jan 2025

Jan 2025 Highest Fixed Deposit Rates

Jan 2025 Best fixed deposit rates by commitment period

3-Month commitment period:

6-Month commitment period:

12-Month commitment period:

Jan 2025 Best fixed deposit rates by minimum deposit

Deposits $10,000 and under:

Deposits $20,000–$49,999:

Deposits $50,000 and above:

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