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We’ve reached a point where only two high interest savings accounts (HISA) in Singapore are truly worth considering: UOB One and Standard Chartered Bonus$aver.
In this video, I break down the pros, cons, realistic interest rates, and who each account is best suited for. If you’re tired of jumping through hoops for subpar returns, this is the ultimate comparison you’ve been waiting for.
🔵 UOB One Account
3.3% p.a. interest (tiered, up to S$150K)
Conditions: $1,600 salary credit + $500 card spend
Good rewards cards: UOB One, EVOL, Lady’s
Bonus: Nation of Savers – S$340 for 7 months hold
Total effective return: ~3.69% p.a.
🟡 SC Bonus$aver
3.05% p.a. flat interest (no tiering, up to S$100K)
Conditions: $3,000 salary credit + $1,000 card spend
Optional: +2.5% p.a. for $20K investment via SC Online Trading
Access to London Stock Exchange (e.g. CSPX)
Total potential return: up to 5.55% p.a.
💬 Conclusion
Prefer simple requirements and higher cap? UOB One is the easier option
Want higher yield and willing to invest? SC Bonus$aver offers better upside
#NotSponsored