Maybank SG Sep/Oct 2026 fresh funds top-up promo offers up to 1.68% p.a. till 31 Oct 2026

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Maybank Singapore Fresh Funds Top-up Promotion

Looking for a short-term home for spare Singapore-dollar cash? 💹 The Maybank Singapore Fresh Funds Top-up Promotion runs from 1 Sep 2026 to 31 Oct 2026 and advertises a displayed total rate of up to 1.68% p.a. across qualifying tiers. Important: the promotional bonus rate applies to eligible Incremental ADB, while the prevailing base interest/dividend applies to the entire deposit balance. The 1.68% headline should therefore not be treated as a standalone 1.68% bonus rate on the incremental amount. Check the Maybank current savings-account rates when estimating the actual return.

The key is not simply the account balance. Bonus interest/dividend is earned on the Incremental ADB during each promotional calendar month, compared with the account’s Aug 2026 ADB. Deposits must also satisfy Maybank’s fresh-funds requirement. Maybank cheques and transfers from existing Maybank accounts do not qualify.

The advertised rate structure matches the previous Jul/Aug 2026 round, making the Sep/Oct promotion another option for cash that can remain liquid while meeting the qualifying balance rules. Across Maybank’s 2026 fresh-funds rounds, the headline rate moved from up to 1.40% p.a. in Jan/Feb to 1.55% in Mar/Apr, eased to 1.50% in May/Jun, then climbed to 1.68% in Jul/Aug. The Sep/Oct round remains at 1.68%, tying the highest Maybank fresh-funds headline rate seen in the 2026 rounds so far.

Promotion highlights 🎉

• Promotion period: 1 Sep 2026 to 31 Oct 2026 ⏳
• Displayed total rate: Up to 1.68% p.a. across the qualifying tiers shown below 💹
• Eligible accounts: iSAVvy Savings Account, iSAVvy Savings Account-i and Prestige Savings Account ✅
• Minimum Incremental ADB: S$20,000 for all three eligible account types.
• Reference month: Aug 2026 ADB is used to work out Incremental ADB for existing accounts 🧾
• New accounts: For eligible accounts opened from 1 Sep 2026 to 31 Oct 2026, Aug 2026 ADB is treated as S$0.
• Fresh funds: Maybank cheques and transfers from existing Maybank accounts are excluded 🚫
• Bonus tier treatment: The applicable bonus rate is applied to the entire Incremental ADB for that calendar month, rather than only the portion within a tier.

How Incremental ADB works 📊

Start with the account’s Average Daily Balance for a promotional month, then compare it with Aug 2026 ADB. The increase is the Incremental ADB. Average Daily Balance is calculated from the sum of each day-end balance in the calendar month divided by the number of days in that month.

For a newly opened eligible account during the promotion, Aug 2026 ADB is treated as zero. In the opening month, Maybank calculates ADB using the sum of day-end balances divided by the number of days the account has been open in that month. This special treatment means unopened days are not automatically counted as zero days in the opening-month denominator.

Fresh funds: what qualifies? 💸

Bring in deposits that satisfy Maybank’s fresh-funds rule. The Terms and Conditions expressly exclude Maybank cheques and transfers from existing Maybank account balances. Keeping external transfer records can make later checking easier, especially when a sizeable top-up is involved.

iSAVvy Savings Account and iSAVvy Savings Account-i rates

Prestige Savings Account rates

For both account groups, an Incremental ADB of exactly S$200,000 falls into the 0.88% p.a. bonus tier, and that bonus rate applies to the full Incremental ADB for the month. Maybank’s displayed table pairs that with a 0.80% p.a. base rate to show a 1.68% p.a. total rate.

How to take part 📝

1. Hold or open an eligible account. Choose an iSAVvy Savings Account, iSAVvy Savings Account-i or Prestige Savings Account.
2. Bring in qualifying fresh funds. Do not rely on Maybank cheques or transfers from existing Maybank account balances.
3. Build the required Incremental ADB. Keep the promotional month’s ADB at least S$20,000 above the Aug 2026 ADB for an existing account.
4. Maintain enough balance through the month. For an existing account, earlier and longer maintenance of the higher day-end balance generally has a stronger effect on full-month ADB.
5. Read the detailed rules. Check the official Terms and Conditions (PDF) 📄 before moving a large sum.
6. Need in-person support? Find a service point with the Maybank Singapore branch and ATM locator.

Crediting, eligibility and other important rules 🧾

• Crediting: Bonus interest/dividend is credited within 10 business days in the following month, or on another date determined by Maybank.
• Account closure: No bonus interest/dividend is payable if the account is closed before the bonus is credited.
• After 31 Oct 2026: The promotional bonus stops and prevailing interest/dividend rates apply.
• Individuals only: The promotion applies to individual customers. Maybank employees are excluded.
• Account-holding limits: Only one eligible account of each account type may be held in a sole name. Joint accounts can qualify without a fixed numerical limit, provided each joint account is held with a different joint account holder.
• Higher bonus-rate protection: If Maybank offers a higher bonus interest/dividend rate on Incremental ADB during the promotion, the higher rate applies for that month subject to the terms. If a lower bonus rate is offered, the listed promotional bonus rates continue.
• Shariah-compliant account note: Dividend-rate information serves as historical information and is not an indicative or prospective return, guarantee or legally binding promise that hibah will be granted.
• Other promotions: This promotion cannot be combined with other Maybank promotions unless otherwise specified.
• Terms prevail: If promotional materials conflict with the official Terms and Conditions, the Terms and Conditions take precedence.

Practical checks before moving cash 💡

• Check Aug 2026 ADB first: A large current balance does not automatically mean a large Incremental ADB. The increase over the reference month is what matters.
• Watch the S$20,000 minimum: Falling below the minimum Incremental ADB means no promotional bonus for that month.
• For existing accounts, top up earlier where practical: More qualifying days at a higher day-end balance can lift the monthly ADB.
• For newly opened accounts, use the special opening-month formula: ADB is divided by the number of days the account has been open, not the total days in that calendar month.
• Keep transfer proof: Retain records showing where incoming funds came from.
• Consider deposit insurance limits: Singapore-dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation for up to S$100,000 in aggregate per depositor per Scheme member by law. CPF Investment Scheme and CPF Retirement Sum Scheme Singapore-dollar deposits are aggregated and separately insured up to S$100,000 per depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured 🛡️

For spare cash that can remain in an eligible account through Sep and Oct, the promotion offers a headline displayed total rate of up to 1.68% p.a. across qualifying tiers. When estimating the actual interest or dividend, focus separately on the bonus rate applied to eligible Incremental ADB and the prevailing base rate earned on the account balance rather than simply multiplying the Incremental ADB by 1.68%. Check the reference ADB, fresh-funds status and bonus-crediting conditions before shifting a large balance.

• Compare this offer with fixed deposits, other savings promotions and alternative cash-parking choices before committing funds. Browse the guide to best Singapore deposit rates and promos for more options.
• For Maybank’s latest promotion information, visit the Maybank Fresh Funds Top-up promotion page.

For another ongoing fresh-funds comparison, the Standard Chartered e$aver promotion runs from 1 Aug to 30 Sep 2026 and advertises up to 1.60% p.a. The 1.60% tier requires qualifying wealth holdings, while up to 1.40% p.a. is listed without that requirement, and bonus-eligible incremental balances are capped at S$2 million. Compare the eligibility mechanics and effective return rather than headline rates alone.

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