Fixed Deposit Rates Singapore October 2026

Highest advertised fixed deposit rates in Singapore in October 2026, from the rates banks and finance companies published. This page updates daily until the month ends, then stays as a record of the month. On 26 October 2026, the highest advertised 12-month rate was 2.10% p.a. at CIMB.

Highest advertised rate by tenure (as of 26 October 2026)

Rates open to regular personal customers. "Highest seen" covers every daily check in October 2026.

Tenure	Highest rate	Bank / product	Min deposit	Highest seen this month
1 month	1.30%	Sing Investments & FinancePromo FD Online (fresh funds only)	S$10,000	1.30% · Sing Investments & Finance · 26 Oct
3 months	1.75%	Bank of ChinaPromo Personal Time Deposit promotion (mobile banking)	S$200,000	1.75% · Bank of China · 26 Oct
6 months	2.05%	HL BankPromo Fixed Deposit promotion	S$10,000	2.05% · Bank of China · 26 Oct
9 months	2.00%	Bank of ChinaPromo Personal Time Deposit promotion (mobile banking)	S$200,000	2.00% · Bank of China · 26 Oct
12 months	2.10%	CIMBPromo SGD Fixed Deposit online promotion	S$10,000	2.10% · CIMB · 26 Oct
18 months	2.12%	HL BankPromo Fixed Deposit promotion	S$10,000	2.12% · HL Bank · 26 Oct
24 months	2.15%	HL BankPromo Fixed Deposit promotion	S$10,000	2.15% · HL Bank · 26 Oct
36 months	1.00%	UOBBoard rate SGD Time/Fixed Deposit board rate	Not stated	1.00% · DBS / POSB · 26 Oct

Highest rate per bank (26 October 2026)

Bank	Rate p.a.	Tenure	Min deposit
DBS / POSB	1.00%	8 months	S$1,000
OCBC	1.85%	12 months	S$20,000
UOB	1.70%	12 months	S$10,000
Standard Chartered	1.75%	12 months	S$25,000
CIMB	2.10%	12 months	S$10,000
HSBC	1.80%	6 months	S$30,000
Bank of China	2.05%	12 months	S$20,000
ICBC	1.85%	6 months	S$200,000
HL Bank	2.15%	24 months	S$10,000
RHB	2.10%	12 months	S$20,000
Citibank	2.00%	6 months	S$5,000
ICICI Bank	1.35%	12 months	S$5,000
State Bank of India	1.75%	12 months	S$50,000
Sing Investments & Finance	1.80%	6 months	S$10,000
Singapura Finance	1.98%	12 months	S$20,000
Hong Leong Finance	2.08%	8 months	S$20,000

Changes in October 2026

No rate changes recorded so far this month (tracking started 24 October 2026).

Information only. These are the rates each bank or finance company publishes on its website, as found when we last checked. This is not financial advice or an offer of any product. Promotions often need fresh funds, a minimum amount, a specific channel or customer type, and can end early. Check the bank's own terms before placing a deposit.

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).

Frequently asked questions

Which bank has the highest fixed deposit rate in Singapore in October 2026?

As of 26 Oct 2026, 1:51 PM SGT, the highest fixed deposit rate published for regular personal customers in October 2026 is 2.15% p.a. at HL Bank for 24 months (minimum S$100,000; No conditions shown in the rate table).