Bank of China Fixed Deposit Rates (October 2026)
Bank · Singapore dollar fixed / time deposits for individuals. Checked 26 Oct 2026, 1:51 PM SGT
The highest Bank of China fixed deposit rate we found is 2.05% p.a. for 12 months (Personal Time Deposit promotion (mobile banking); minimum S$20,000; All individual customers (new placement)). 21 rates are listed below, as published by Bank of China.
Source: Bank of China website (homepage; its terms restrict deep links)
Fetched: 26 Oct 2026, 1:50 PM SGT
Date shown by the bank: Personal Time Deposit Promotion Rates (20261019)
Personal Time Deposit promotion (mobile banking) Promo
| Tenure | From S$500 | From S$20,000 | From S$200,000 |
|---|---|---|---|
| 1 month | 1.10% | – | – |
| 2 months | 1.20% | – | – |
| 3 months | 1.60% | 1.65% | 1.75% |
| 5 months | 1.50% | – | – |
| 6 months | 1.70% | 1.95% | 2.05% |
| 9 months | 1.70% | 1.90% | 2.00% |
| 12 months | 1.70% | 2.05% | – |
| 18 months | 1.60% | – | 1.65% |
| 24 months | 1.55% | – | – |
Personal Time Deposit promotion (mobile banking) PromoSelected customers
| Tenure | S$100,000 – S$199,999 | S$200,000 – S$250,000 |
|---|---|---|
| 4 months | 2.08% | 2.18% |
| 8 months | 2.08% | 2.18% |
Deposit insurance (SDIC): Singapore dollar deposits in fixed deposit, savings and current accounts with a Deposit Insurance (DI) Scheme member are insured up to S$100,000 in aggregate per depositor per Scheme member. Foreign currency deposits, structured deposits and investment products are not insured. Source: SDIC, Deposit Insurance Scheme FAQs (questions 6 and 9, checked 25 Oct 2026).
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Bank of China fixed deposit: common questions
What is the Bank of China fixed deposit rate today?
As of 26 Oct 2026, 1:50 PM SGT, the highest Bank of China fixed deposit rate for regular personal customers is 2.05% p.a. (Personal Time Deposit promotion (mobile banking); minimum S$20,000; All individual customers (new placement); BOC mobile banking) for 12 months. Bank of China also publishes 2.18% p.a. (4 months) for New-to-bank customers only. Source: Bank of China rate page.
What fixed deposit tenures does Bank of China offer?
As of 26 Oct 2026, 1:50 PM SGT, Bank of China publishes Singapore dollar fixed deposit rates for 11 tenures: 1 month up to 1.10%; 2 months up to 1.20%; 3 months up to 1.75%; 4 months up to 2.18%; 5 months up to 1.50%; 6 months up to 2.05%; 8 months up to 2.18%; 9 months up to 2.00%; 12 months up to 2.05%; 18 months up to 1.65%; 24 months up to 1.55%.
What is the minimum deposit for Bank of China fixed deposits?
As of 26 Oct 2026, 1:50 PM SGT, the lowest minimum deposit in Bank of China's published fixed deposit rates is S$500 (Personal Time Deposit promotion (mobile banking)). The highest rate for regular personal customers (2.05%, 12 months) needs at least S$20,000. Some rates have a higher minimum, up to S$200,000.