There are eighteen places in Singapore where you can put a lump of cash and be told exactly what it will earn. We priced all of them, at two balances, on the same day, against the same inflation line. Then we priced seven more where the rate is a projection rather than a promise.

The short version is not comfortable. But it is also not the doom-post you have seen elsewhere, because “nothing beats inflation” is false, and so is “one account beats inflation.” The truth is more specific than either, and the specifics are the whole point.

Everything below traces to one dataset, snapshot dated 1 August 2026, verified clean before a single figure went into this article or onto the carousel it accompanies. Every source is listed at the bottom. If a number surprises you, go check it.

The headline finding, scoped properly

Singapore’s CPI-All Items ran 1.90% year-on-year in June 2026 (SingStat, released 23 July 2026). MAS Core Inflation was 1.60% over the same period. The 1.90% is the line every rate on this page has to clear.

Here is what clears it:

• Of the ten savings accounts we track, one clears 1.90%, and only at a balance of S$100,000. At S$50,000, the count is zero of ten.
• Across all eighteen guaranteed options, including fixed deposits, T-bills, Savings Bonds and guaranteed cash management: one of eighteen clears CPI at S$50,000, and two of eighteen at S$100,000.
• Among the projected options, where the yield is an estimate rather than a contract, two more sit above the line at any balance: StashAway Simple Plus at 2.60% and Endowus Cash Smart Ultra at 2.30%. Both are projected, not guaranteed.

So: not zero, not one, and the answer depends on how much money you have and how much certainty you want in exchange. That is a much more useful finding than a headline about the death of savings, and it is what the rest of this article unpacks.

Why our savings-account numbers sit 1 to 3 points below the banks’ websites

Start here, or the tables below will look wrong to you.

Our rule, stated once: a published rate counts only the bonus tiers a salaried person can sustain indefinitely, without going out and buying a financial product. Salary credit, card spend, GIRO bills and ordinary balance growth all count, because they repeat on their own. A tier that needs a new insurance policy or investment plan every six months, or a five-figure top-up every month against a baseline that resets, does not.

The consequence is that our savings-account figures land 1 to 3 percentage points below the advertised maximums. Standard Chartered BonusSaver is the cleanest example: advertised at 5.85%, printed here at 1.85%. The 4.00 percentage point gap is exactly the two tiers we dropped, a six-month investment plan worth 1.5pp and a six-month insurance policy worth 2.5pp. Nobody is lying to anybody. Buy both products and you get 5.85%, for as long as you keep buying them.

This rule only bites on savings accounts. T-bills, Savings Bonds and fixed deposits have no conditions to fail, so what they advertise is what they pay, which is why they sit in their own tables here.

Every rate is quoted at two balances because most bonus structures pay the bonus on one slice of your balance and the base rate on everything above it. Doubling your money does not double your rate, and sometimes it cuts it.

The full reasoning, the tiers dropped bank by bank, and the base rates you fall back to when you clear nothing are all in our savings account guide.

The complete board, as of 1 August 2026

Eighteen guaranteed options. Rate columns are effective annual rates on the stated balance, under our sustainability rule.

Product	Type	S$50k	S$100k	What it takes	vs CPI
Singapore Savings Bond	SSB	2.06%	2.06%	10-year average return, Aug 2026 issue SBAUG26 / GX26080T	above
OCBC 360	Savings (bonus tiers)	1.80%	2.20%	Salary min S$1,800 + card spend min S$500 + grow balance min S$500/mo	above at S$100k
Standard Chartered BonusSaver	Savings (bonus tiers)	1.85%	1.85%	Salary min S$3,000 + card spend min S$1,000	below
DBS Multiplier	Savings (bonus tiers)	1.80%	0.93%	Salary credit + card spend, S$500 to S$15k monthly transactions	below
1-year T-bill	T-bills	1.68%	1.68%	Cut-off yield, issue BY26102T, auction 23 Jul 2026	below
BOC SmartSaver	Savings (bonus tiers)	1.60%	1.60%	Salary min S$3,000 + card spend min S$2,500 + 3 bill payments	below
Bank fixed deposits (12-month)	Fixed deposits	1.60%	1.60%	Top of the mainstream 12-month range; typical range 0.70–1.60%	below
GXS Boost Pocket	Digital bank fixed pocket	1.60%	1.60%	12-month tenor, minimum S$100	below
6-month T-bill	T-bills	1.59%	1.59%	Cut-off yield, issue BS26115N, auction 30 Jul 2026	below
CIMB FastSaver	Savings (bonus tiers)	1.54%	1.29%	Salary min S$1,000 + card spend min S$800, on the first S$25k	below
UOB Stash	Savings (bonus tiers)	1.17%	1.51%	Keep monthly average balance at or above last month’s	below
Singapore Savings Bond (year 1)	SSB	1.46%	1.46%	First-year rate, Aug 2026 issue SBAUG26 / GX26080T	below
UOB One	Savings (bonus tiers)	1.00%	1.38%	Salary credit min S$1,600 + card spend min S$500	below
Syfe Cash+ Guaranteed	Cash management	1.25%	1.25%	6-month tenor, SGD; 1.05–1.25% across 1/3/6/12-month tenors	below
GXS Saving Pocket	Savings (bonus tiers)	1.08%	1.07%	Nothing	below
StashAway Simple Fixed	Cash management	1.05%	1.05%	1-month tenor, net of all fees	below
Trust Bank (Flex plan)	Savings (bonus tiers)	0.90%	1.00%	Any 3 scoops from salary, card spend, balance growth, S$100k balance	below
MariBank Save	Savings (bonus tiers)	0.88%	0.88%	Nothing	below

All figures as of 1 August 2026. The S$50k and S$100k columns are never blended into a single rate.

Two caveats travel with the two rows above the line, everywhere they appear. OCBC’s 2.20% runs on a Save promotion active 1 August to 31 December 2026; on the standing structure the realistic rate is 1.70% at S$50k and 1.95% at S$100k. Both the promo and the standing structure clear CPI at S$100,000, the standing one by five basis points. The Savings Bond’s 2.06% is a 10-year average, not next year’s rate; the first year of the same issue pays 1.46%, below CPI.

Read straight down the S$50,000 column and exactly one row clears 1.90%: the Savings Bond, at its ten-year average. Every savings account is under the line. Read the S$100,000 column and OCBC 360 joins it. Nothing else crosses.

The fixed-rate and government-backed options, with the tenure attached

The rows above that are not savings accounts have something savings accounts do not: a defined term. That term is the real price of the rate, and it belongs next to the number.

Product	Rate	Tenure	Notes
Singapore Savings Bond	2.06%	10 years to earn the average	Redeemable in any month; issue SBAUG26 / GX26080T
Singapore Savings Bond (year 1)	1.46%	1 year	Same issue, first-year rate
1-year T-bill	1.68%	12 months	Cut-off yield, BY26102T, auction 23 Jul 2026
Bank fixed deposits	1.60%	12 months	Top of the mainstream range; typical range 0.70–1.60%
GXS Boost Pocket	1.60%	12 months	Minimum S$100
6-month T-bill	1.59%	6 months	Cut-off yield, BS26115N, auction 30 Jul 2026
Syfe Cash+ Guaranteed	1.25%	6 months	1.05–1.25% across 1/3/6/12-month tenors
StashAway Simple Fixed	1.05%	1 month	Net of all fees

Notice the shape of it. The rate rises with the tenure almost perfectly: one month buys you 1.05%, six months buys you around 1.25% to 1.59%, twelve months buys you 1.60% to 1.68%, and a decade buys you 2.06%. There is no free lunch hiding in this table. There is only a price list for how long you are willing to stop touching the money.

Savings accounts: one of ten, and only at six figures

Ten savings accounts, and at S$50,000 not one of them clears 1.90%. At S$100,000, OCBC 360 does, at 2.20% on its current Save promotion and 1.95% on the standing structure once that promotion ends on 31 December 2026.

That is a finding, not a recommendation. “OCBC 360 is the only savings account above CPI at S$100,000 as of 1 August 2026” is a fact about a dataset. It is not a suggestion that you go and move your money, because the rate is conditional on a salary credit, a card spend and monthly balance growth that you have to actually sustain, and because a promotion with a December end date is a poor reason to restructure your banking.

If you want the per-bank detail, every bonus tier, every qualifying condition, and how to actually hit them, that lives in our full guide to Singapore’s high-interest savings accounts. This article is about the board as a whole.

The rankings above hide two mechanics a rate table cannot show: one account on this board pays a slightly worse rate at S$100,000 than at S$50,000, because a product cap pushes the overflow into a cheaper pocket. Two others sit at an identical 1.80% at S$50,000 and then split hard at six figures, one climbing above CPI and the other falling by more than half, because the cap on a bonus tier matters more than the headline rate on it. Both are worked through in that same guide.

Fixed deposits and digital fixed pockets

The mainstream 12-month fixed deposit market runs roughly 0.70% to 1.60%, and 1.60% is the top of it, not the middle. If you walk into a branch and take whatever is on the board, you are as likely to get something starting with a zero.

We used to track individual bank FDs separately. This year we track the range, because the individual promotional FDs from DBS, RHB, OCBC, UOB and HSBC that appeared in our 2025 edition have rotated out of the market, and chasing whichever bank is running a promo this fortnight is exactly the behaviour this article exists to talk you out of.

GXS Boost Pocket is worth a specific mention: 1.60% for a 12-month tenor with a S$100 minimum. That matches the top of the mainstream FD range with a minimum small enough to be a rounding error, which is a genuinely useful structural feature rather than a rate story. A digital bank pocket and a bank fixed deposit are doing the same job here, and the digital one asks for less to get in.

Both are covered by deposit insurance, which we will come to.

T-bills: the only thing on the board moving up

Everything else on this page has been falling. T-bills have not.

6-month T-bill, three consecutive rises:

Auction	Issue	Cut-off yield
2 Jul 2026	BS26113X	1.50%
16 Jul 2026	BS26114W	1.55%
30 Jul 2026	BS26115N	1.59%

1-year T-bill, across 2026:

Auction	Issue	Cut-off yield
15 Jan 2026		1.44%
16 Apr 2026		1.46%
23 Jul 2026	BY26102T	1.68%

The 1-year moved 22 basis points in a single quarter, from 1.46% in April to 1.68% in July, and now sits as the highest guaranteed rate on the board outside the Savings Bond’s ten-year average. That is a genuine turn, and it is the single most interesting live signal in this dataset.

As a secondary and less well-evidenced cross-check, SORA was at 0.97% overnight and 1.15% compounded 3-month as of 30 July 2026. We flag it as secondary deliberately: MAS’s own pages are structurally unfetchable for us, so the SORA figures are double-sourced from market data aggregators rather than taken from the authority. The T-bill auction series above is better evidenced, with three independent Singapore publishers reporting the same cut-off against the same issue code, and it should carry the weight of the argument. SORA agrees with the direction. It does not prove it.

The context that matters more: MAS’s Monetary Policy Statement of 27 July 2026 put the 2026 CPI forecast midpoint at 2.0%, in a range of 1.5% to 2.5%, and it was the second tightening of the year after 14 April 2026. Short-dated government paper repricing upward while the central bank tightens and forecasts higher inflation is a coherent picture rather than a coincidence.

What that does not mean is that you should wait. A 1.68% 1-year T-bill is still below a 1.90% CPI print and below a 2.0% forecast midpoint. The T-bill turn is the direction of travel improving, not the destination being reached.

Singapore Savings Bonds: the only guaranteed row above the line, and what it actually costs

The August 2026 issue (SBAUG26 / GX26080T, issued 3 August 2026) pays a 10-year average return of 2.06%. It is the only guaranteed option on the whole board that clears 1.90% at both balances, and it is fully backed by the Singapore government.

Three things about it that a single number cannot carry.

First, the 2.06% is an average across ten years, not a rate you earn next year. Year one of this issue pays 1.46%, which is below CPI. The 2.06% is what you end up with if you hold the whole decade and collect every step-up along the way. The average is the reward for patience, and the patience is the price.

Second, “hold ten years” is a cost, not a lock-up. SSBs are redeemable in any month, with no penalty beyond forfeiting the later step-ups you did not reach. The government is not trapping your money. What holding for ten years costs you is optionality: a decade in which you cannot deploy that capital elsewhere without giving up the very thing that made the average attractive.

Third, the market is not buying it. The August 2026 issue was under-subscribed: S$179.4 million taken against S$300 million offered. The 10-year average has slid from 2.29% in the August 2025 issue to 2.11% in the July 2026 issue to 2.06% now. A decade of commitment for a 1.46% first year is not clearing the shelf, and that under-subscription is as honest a demand signal as this asset class produces. When the safest above-inflation instrument in the country cannot sell out, the problem is not the instrument.

Cash management accounts: the projected table

Seven products where the number is an estimate of what the underlying funds should yield, not a rate anyone has promised you.

Product	S$50k	S$100k	Basis	vs CPI
StashAway Simple Plus	2.60%	2.60%	Net yield to maturity of the underlying bond portfolio, as of 5 Jun 2026	above
Endowus Cash Smart Ultra	2.30%	2.30%	Projected net yield, data as of 30 Jun 2026	above
Endowus Cash Smart Enhanced	1.90%	1.90%	Projected net yield, data as of 30 Jun 2026	exactly level
Syfe Cash+ Flexi (SGD)	1.60%	1.60%	Projected net yield; sources spread 1.5–1.7%	below
StashAway Simple	1.50%	1.50%	Base projected yield, net of all fees; promo boosters excluded	below
moomoo Cash Plus	1.32%	1.32%	Projected yield of the underlying Fullerton SGD Liquidity Fund	below
Endowus Cash Smart Secure	1.20%	1.20%	Projected net yield, data as of 30 Jun 2026	below

Every figure in this table is projected, not guaranteed. These are yields that the underlying money-market and short-duration bond funds are currently expected to produce. They move. They have moved a great deal in the last twelve months, as the year-on-year section below will show, and every one of those moves was downward.

And none of them is covered by deposit insurance. You are holding fund units, not a bank deposit. The S$100,000 of SDIC protection that reaches every single row of the guaranteed table does not reach any row of this one. That is the trade, stated plainly: StashAway Simple Plus’s 2.60% is 70 basis points above CPI, and it is 70 basis points bought with the deposit guarantee you were getting for free everywhere else.

One more piece of arithmetic worth knowing, because it explains why our figure for the top row is lower than the one you may have seen. StashAway Simple Plus’s 2.60% is the base net yield to maturity: 3.0% gross yield to maturity, less a 0.16% fund fee and a 0.20% management fee, per the issuer’s own page dated 5 June 2026. A 3.90% figure also circulates. That is the same base plus a +1.3% new-investor booster, capped at S$10,000 and lasting three months. A 4.10% figure circulates too, off a stale cache. The base is the only one of the three that a parked sum can hold, so the base is what we print, for exactly the same reason we drop the insurance tier at Standard Chartered.

Note also that Endowus Cash Smart Enhanced sits exactly level with CPI at 1.90%. Not above, not below. We say “level” rather than rounding it into either camp, because on a projected yield the difference between 1.90% and inflation is well inside the noise.

SDIC: what deposit insurance covers, and where it stops

The Singapore Deposit Insurance Corporation covers S$100,000 per depositor, per Scheme member, raised from S$75,000 on 1 April 2024 and unchanged since.

Covered: SGD savings accounts, fixed deposits, current accounts, and SRS monies held with a Scheme member.

Not covered: foreign currency deposits, structured deposits, and investment products.

Every row of the eighteen-row guaranteed table sits inside that protection or is a direct government obligation. Savings accounts, bank fixed deposits and GXS Boost Pocket are insured deposits. T-bills and Savings Bonds are Singapore government liabilities, which is a stronger claim than insurance rather than a weaker one. The guaranteed cash management products, Syfe Cash+ Guaranteed and StashAway Simple Fixed, are guaranteed by the underlying deposit-taking arrangement rather than by the platform’s marketing.

The projected table is where coverage stops. Endowus Cash Smart, Syfe Cash+ Flexi, StashAway Simple and Simple Plus, and moomoo Cash Plus are all investment products. Fund units. Outside the scheme. That is not a warning about the platforms, which are regulated and perfectly reputable. It is a statement about what you own, and it is the reason those extra basis points exist.

Worth noting too: the S$100,000 coverage limit is per depositor per Scheme member, which means a S$100,000 balance in a single bank is sitting exactly at the ceiling, not comfortably under it.

What changed since our 2025 edition

We ran this franchise on 12 May 2025. Here is every product we can compare on an unchanged measurement basis, then against now.

CPI over the same window went from 0.90% to 1.90%.

Product	Then (May 2025)	Now (Aug 2026)	Change	Against inflation
Syfe Cash+ Flexi (SGD)	3.10%	1.60%	−1.50pp	fell below CPI
Endowus Cash Smart Enhanced	3.25%	1.90%	−1.35pp	landed exactly level with CPI
moomoo Cash Plus	2.63%	1.32%	−1.31pp	fell below CPI
Syfe Cash+ Guaranteed	2.50%	1.25%	−1.25pp	fell below CPI
6-month T-bill	2.50%	1.59%	−0.91pp	fell below CPI
StashAway Simple Plus	3.50%	2.60%	−0.90pp	still above CPI
Singapore Savings Bond (year 1)	2.20%	1.46%	−0.74pp	fell below CPI
Singapore Savings Bond (10-yr avg)	2.56%	2.06%	−0.50pp	still above CPI

Eight of eight carried-forward products were cut. Five crossed below inflation. One landed exactly level. The biggest single cut was Syfe Cash+ Flexi, down 1.50 percentage points.

Read that alongside the CPI move and the shape of the year becomes clear. Rates fell by between half a point and a point and a half. Inflation rose by a full point. The gap between what your cash earns and what your cash needs to earn widened from both ends at once, which is why a rate that looked fine in May 2025 does not look fine now even though nothing dramatic happened to it.

The two survivors are both Savings Bond rows and StashAway Simple Plus. Even they were cut. They simply started high enough to absorb it.

The ten rows with no year-on-year number, and why that is a feature

Ten products in this dataset have 2025 figures and 2026 figures, and we publish no delta for any of them.

Product	Then	Now	Then measured as	Now measured as
OCBC 360	3.25%	2.20%	eir-easy-conditions	eir-realistic
BOC SmartSaver	2.75%	1.60%	eir-easy-conditions	eir-realistic
UOB Stash	3.00%	1.51%	eir-easy-conditions	eir-realistic
UOB One	2.67%	1.38%	eir-easy-conditions	eir-realistic
GXS Saving Pocket	2.38%	1.07%	eir-no-hoops	eir-realistic
Trust Bank (Flex plan)	2.40%	1.00%	eir-easy-conditions	eir-realistic
CIMB FastSaver	2.19%	1.29%	eir-easy-conditions	eir-realistic
Standard Chartered BonusSaver	2.05%	1.85%	eir-easy-conditions	eir-realistic
DBS Multiplier	2.10%	0.93%	eir-easy-conditions	eir-realistic
Tiger Vault	2.50%	1.34%	projected-net	projected-gross

OCBC’s 2.20% again reflects the Save promotion running 1 Aug to 31 Dec 2026; the standing structure is 1.70% at S$50k and 1.95% at S$100k.

Those ten rows changed how they were measured between editions, not only what they pay. In 2025 we recorded most of them on a looser “easy conditions” basis. This year we record them under the sustainability rule set out at the top of this article. GXS moved from a no-hoops basis to the realistic one. Tiger Vault moved from a net figure to a gross one.

Subtract one from the other and you would produce a number that looks like a rate cut and is actually a change in our own methodology. It would be the most eye-catching table in this article and it would be fiction. So those ten publish as 2026 snapshots only.

Saying this out loud costs us the drama of a twenty-row wall of red. It is worth it. A diff you can trust needs a constant measuring stick, and the moment you change the stick you owe the reader a note rather than a bigger number.

In and out

New to the dataset this year (8): MariBank Save, the 1-year T-bill, the bank fixed deposit 12-month range, GXS Boost Pocket, StashAway Simple Fixed, Endowus Cash Smart Ultra, StashAway Simple, and Endowus Cash Smart Secure.

Gone since the last edition (7): StashAway Simple Guaranteed (retired, and note the current product is correctly called StashAway Simple Fixed), the individual bank fixed deposits from DBS, RHB, OCBC, UOB and HSBC (now tracked as a single market range), and Chocolate Finance.

The two different 0.90%s, which are not the same 0.90%

This trips people up, including us, so here it is explicitly.

Full-year 2025 CPI-All Items came in at 0.90% (SingStat, published 23 January 2026). Set against MAS’s 2026 forecast midpoint of 2.0%, that is the story of the year: the cost of living roughly doubling its pace while every tracked rate fell.

Separately, the benchmark attached to our own 2025-05-12 snapshot was also 0.90%. But that one is the March 2025 single-month print, the most recent figure available when that edition published, used under our vintage rule so that each edition is compared against the inflation number it was actually written against.

The two are equal by coincidence and they measure different things: one is a full calendar year, the other is a single month. And do not substitute December 2025 for the full-year figure either. December 2025 alone ran 1.2% year-on-year. The annual average was 0.90%.

What we left out, and why

Four products we researched properly and did not put in a comparison table.

Chocolate Finance. The old source conflict on its rate, 2.0%/1.8% versus 3.0%/2.7%, is now resolved four sources to one in favour of 2.0%/1.8%. That is not the reason we left it out. The reason is that the rate ran on a company-funded Top-Up Programme with a stated end date of 30 June 2026, and that date has passed with no successor programme published. A rate underwritten by a promotional subsidy that has expired is not a rate we can price.

Tiger Vault. Sourcing now clears our bar, so this is not a verification problem either. The problem is comparability. Fullerton publishes the underlying figure of 1.34% gross, before a 0.30% expense ratio, which puts the net figure somewhere around 1.0% to 1.1%. Every row in our projected table is net of fees. Dropping a gross number into a net table would rank it two or three places too high. Separately, we had previously misidentified the underlying fund in our own dataset as Fullerton SGD Liquidity rather than Cash. That is now corrected.

MariBank’s fixed deposit promotion. The window ran 1 to 31 July 2026 and has closed. It was also new-customer-only and capped at 10,000 openers. Even while open, it was a rate a parked sum could earn once, not indefinitely, which is the same test that removed the insurance tiers from Standard Chartered.

StashAway Simple Plus is not on this list. An earlier pass at this dataset excluded it over an apparent 2.6% to 4.1% spread. That spread was never a source disagreement, as explained in the cash management section above: 2.60% is the base net yield, 3.90% is the base plus a capped three-month new-investor booster, and 4.10% came off a stale cache. It is the top row of the projected table and it belongs there.

So where should you actually park it?

Every rate we could compare on a like-for-like basis fell this year. Inflation rose. There is no configuration of Singapore’s cash market in August 2026 that makes a parked sum comfortably productive, and any article telling you otherwise is quoting an advertised maximum.

What the board actually says, in order of what you are giving up:

• You want it liquid and insured, and you have S$100,000. One savings account is above CPI, at 2.20% on a promotion that ends 31 December 2026 and 1.95% on the standing structure after that. It asks for a salary credit, S$500 of card spend and S$500 a month of balance growth, every month, forever.
• You want it liquid and insured, and you have S$50,000. Nothing clears the line. The top of that column is 1.85%. Your best realistic outcome is losing a little purchasing power slowly, and that is fine, because this is your emergency fund and its job is to exist, not to win.
• You will commit for six to twelve months. T-bills at 1.59% to 1.68% are the only instrument on the board currently moving up, and the 1-year is the highest guaranteed non-SSB rate available.
• You will commit for a decade. The Savings Bond’s 2.06% ten-year average clears inflation and carries the strongest credit in the country. Year one pays 1.46%. That is the deal.
• You will give up deposit insurance for yield. Two projected products sit above CPI, at 2.60% and 2.30%. Both are projections. Neither is covered by SDIC. Both were cut this year.

Which brings us to the thing that actually matters, and it is not on any of these tables.

Rates move. Plans should not.

Every number in this article will be wrong within a quarter. The 6-month T-bill has moved three times since 2 July. OCBC’s promotion dies on New Year’s Eve. Eight of eight comparable products were cut in fifteen months. If your cash strategy depends on holding the top row of a table, you have signed up for a permanent part-time job of re-optimising, and the reward for winning that job is measured in tens of basis points on money that was never supposed to be doing the heavy lifting anyway.

The better question is not “what pays most this month.” It is “what fits how I live.” An emergency fund that you might need next Tuesday belongs somewhere liquid and insured, and 1.85% is a perfectly respectable answer for money whose actual job is availability. Money you know you will not touch for a year can take a T-bill. Money you genuinely will not touch for a decade can take a Savings Bond and stop being a decision. Chasing the top of the board across all three buckets will cost you more in switching, missed conditions and mental overhead than the spread was ever worth.

Pick the structure that survives you being busy. Then go and be busy.

How we sourced this

Every figure above comes from a dated snapshot of our rates dataset, verified clean before publication, and each one is linked in-line to the page it was read from. Where a figure is double-sourced, the second link is an independent publisher.

MAS’s own pages are structurally unfetchable for us, so our standing bar for MAS-origin figures is three or more independent Singapore publishers reporting the same figure against the same issue or auction code. Both T-bill rows and the Savings Bond row meet it.

Three citations have no linkable page: CIMB’s CASA Bonus Interest Promotion T&Cs (PDF), Standard Chartered’s 1 May 2026 revision notice, and StashAway’s own Simple Plus issuer page dated 5 June 2026.

All 2025 comparison figures are transcribed from our own published carousel of 12 May 2025. They are a faithful record of what we printed then, used as a diff baseline rather than independently re-verified 2025 rates. Everything on this page is as of 1 August 2026.

Every figure on this page is factual reporting of published rates as of 1 August 2026, not a recommendation to buy, open or move anything. Rates change constantly, and several of the ones above are on promotions with stated end dates.