Fixed Deposit Rates Singapore Today

As of 26 Oct 2026, 1:51 PM SGT, the highest fixed deposit rate published for regular personal customers is 2.15% p.a. at HL Bank (Fixed Deposit promotion; minimum S$10,000; Online) for 24 months. Highest by tenure: 3 months 1.75% (Bank of China); 6 months 2.05% (HL Bank, Bank of China); 9 months 2.00% (Bank of China); 12 months 2.10% (CIMB, RHB); 18 months 2.12% (HL Bank); 24 months 2.15% (HL Bank). A higher 2.20% p.a. (12 months) is published by RHB for Premier Banking customers only. See the October 2026 page for this month's record.

As of 26 Oct 2026, 1:51 PM SGT: The highest 12-month fixed deposit rate published today is 2.10% p.a. at CIMB (minimum S$10,000; Personal Banking customers). For 6 months it is 2.05% at HL Bank. Rates from 16 of 17 Singapore banks and finance companies, checked 26 Oct 2026, 1:51 PM SGT.

As of 26 Oct 2026, 1:51 PM SGT, the highest advertised 3-month fixed deposit rate for regular personal customers is 1.75% p.a. at Bank of China (Personal Time Deposit promotion (mobile banking); minimum S$200,000; All individual customers (new placement); BOC mobile banking). Next highest: 1.60% at RHB. 10 banks publish a 3-month rate; compare them all.

As of 26 Oct 2026, 1:51 PM SGT, the highest advertised 6-month fixed deposit rate for regular personal customers is 2.05% p.a. at HL Bank (Fixed Deposit promotion; minimum S$10,000; Online). Bank of China also publishes 2.05% (minimum S$200,000). Next highest: 2.00% at Citibank. 15 banks publish a 6-month rate; compare them all.

As of 26 Oct 2026, 1:51 PM SGT, the highest advertised 9-month fixed deposit rate for regular personal customers is 2.00% p.a. at Bank of China (Personal Time Deposit promotion (mobile banking); minimum S$200,000; All individual customers (new placement); BOC mobile banking). Next highest: 1.85% at CIMB. 10 banks publish a 9-month rate; compare them all.

As of 26 Oct 2026, 1:51 PM SGT, the highest advertised 12-month fixed deposit rate for regular personal customers is 2.10% p.a. at CIMB (SGD Fixed Deposit online promotion; minimum S$10,000; Personal Banking customers; Online). RHB also publishes 2.10% (minimum S$20,000). Next highest: 2.05% at HL Bank. 15 banks publish a 12-month rate; compare them all.

As of 26 Oct 2026, 1:51 PM SGT, the highest advertised 18-month fixed deposit rate for regular personal customers is 2.12% p.a. at HL Bank (Fixed Deposit promotion; minimum S$10,000; Online). Next highest: 1.98% at Singapura Finance. 7 banks publish a 18-month rate; compare them all.

As of 26 Oct 2026, 1:51 PM SGT, the highest advertised 24-month fixed deposit rate for regular personal customers is 2.15% p.a. at HL Bank (Fixed Deposit promotion; minimum S$10,000; Online). Next highest: 1.98% at Singapura Finance. 7 banks publish a 24-month rate; compare them all.

As of 26 Oct 2026, 1:51 PM SGT, 14 banks and finance companies publish promotional fixed deposit rates for regular personal customers: HL Bank up to 2.15% (24 months); CIMB up to 2.10% (12 months); RHB up to 2.10% (12 months); Hong Leong Finance up to 2.08% (8 months); Bank of China up to 2.05% (6 months); Citibank up to 2.00% (6 months); Singapura Finance up to 1.98% (12 months); ICBC up to 1.85% (6 months); OCBC up to 1.85% (12 months); HSBC up to 1.80% (6 months); Sing Investments & Finance up to 1.80% (6 months); Standard Chartered up to 1.75% (12 months); State Bank of India up to 1.75% (12 months); UOB up to 1.70% (12 months). Promotions can end early; each bank page shows the period the bank states.

Often, but not always. As of 26 Oct 2026, 1:51 PM SGT, these banks' rate pages attach a funds condition to their promotional rates: “Fresh funds only”: OCBC, Sing Investments & Finance, Standard Chartered, UOB; “Fresh funds”: HSBC, Hong Leong Finance, ICBC; “Fresh or renewal funds”: State Bank of India; “New funds”: Citibank. Each bank defines fresh or new funds in its own terms, so check them before placing a deposit. The condition is shown next to every rate on this site.

By the published interest rate per year for each tenure, highest first. The main table only includes rates open to regular personal customers; rates limited to priority / premier or new-to-bank customers are listed separately. Sponsored placements never change the order.

Every bank's page is checked at least once a day. Each rate shows the time it was fetched and links to the bank's page. Latest check: 26 Oct 2026, 1:51 PM SGT.

Yes, for Singapore dollar fixed deposits with a Deposit Insurance (DI) Scheme member. The Singapore Deposit Insurance Corporation (SDIC) says the DI Scheme covers Singapore dollar deposits held in a fixed deposit account, insured up to S$100,000 in aggregate per depositor per Scheme member, together with your savings and current accounts at the same bank or finance company. Foreign currency deposits and structured deposits are not covered. Source: SDIC Deposit Insurance Scheme FAQs (checked 25 Oct 2026); SDIC's site lists which institutions are Scheme members.

Usually yes, but it can cost you. MoneySense says that if you withdraw a fixed deposit before the maturity date, you may receive no interest or lose part of the interest, and in some cases pay a fee that could leave you with less than you deposited. Each bank's own terms set the rules. Source: MoneySense, Understanding bank accounts (checked 24 Oct 2026).