RHB Bank S’pore up to 1.55% p.a. promo FD rates from 23 Dec 2025

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RHB Bank Singapore has refreshed its promotional fixed deposit (FD) rates, effective from 23 Dec 2025. Savers can earn up to 1.55% p.a. on eligible Singapore dollar placements, with the rate fixed for the chosen tenor if you hold the FD to maturity.

Update 19 Jan: RHB Bank SG offers up to 1.55% p.a. with S$20k min promo FD rates from 19 Jan 2026

Compared with the previous promotion on 9 Dec 2025, all rates have increased by up to 0.2%.

• 3-month: +0.15 percentage points (Personal and Premier)
• 6-month: up to +0.20 percentage points (Personal and Premier)
• 12-month: +0.15 percentage points (Personal and Premier)

Quick takeaways:

• Up to 1.55% p.a. for eligible Singapore dollar FDs
• Choose from 3-month, 6-month or 12-month tenors
• Minimum placement stays at S$20,000 per FD for both Personal and Premier customers
• Placement and renewal can be done via the RHB Mobile SG app (subject to eligibility)

Updated FD promotional rates (from 23 Dec 2025)

Under this promotion, customers can pick from three tenors. Premier Banking customers enjoy slightly higher rates than Personal Banking customers, while the minimum placement is the same across the board.

Illustration (for the minimum placement of S$20,000): Premier Banking – At 1.55% p.a., a 3-month FD works out to about S$77.50 in interest, while a 6-month FD works out to about S$155.00. At 1.30% p.a. for 12 months, the interest works out to about S$260.00. Personal Banking – At 1.45% p.a., the 3-month and 6-month interest work out to about S$72.50 and S$145.00 respectively; at 1.20% p.a. for 12 months, about S$240.00. These figures are approximate (simple pro-rating), and the actual interest credited may differ slightly based on the bank’s calculation method.

Minimum deposit requirement and who can apply

To enjoy the promotional FD rates, customers must place a minimum of S$20,000 per fixed deposit. This applies equally to both Personal Banking and Premier Banking customers, making the deal relevant for working adults building up savings as well as higher-net-worth individuals managing larger cash balances.

Fixed deposits are generally best used as a short- to medium-term “parking spot” for surplus cash (e.g., money not needed for bills). Customers should be comfortable setting aside their funds for the entire tenor, as early withdrawal of fixed deposits typically results in reduced interest or even no interest.

Key terms & conditions to note

As with all bank promotions, standard terms and conditions apply. Interested depositors should read the full Terms and Conditions (PDF) carefully before placing any funds.

• Promo rates can change: Promotional rates are not guaranteed indefinitely and may be revised or withdrawn at the bank’s discretion, so the actual rate at the point of placement (or renewal) depends on the prevailing promotional board rates.
• Renewals: For Eligible Renewals with auto-renewal instructions in place, the bank states that promotional rates will be applied automatically based on the prevailing promotional rates for the relevant Personal or Premier segment on the renewal date.
• Plan liquidity: Since FD funds are locked in, it can be sensible to keep a separate buffer for emergencies and commit only funds that are not needed during the tenor.

How to place the FD via RHB Mobile SG app

For those planning to use the app, here is the typical flow described by the bank:

1. New-to-bank customers: Open an RHB current or savings account through the RHB Mobile SG app, then transfer funds into the account and set up the fixed deposit placement within the app under this promotion.
2. Existing customers: Log in to the app to view the latest promotional FD offers and, where eligible, place or renew fixed deposits in-app.

Who qualifies as an RHB Premier customer?

To qualify for RHB Premier, a customer must maintain a Total Relationship Balance (TRB) of S$200,000. Based on RHB’s descriptions, TRB is typically assessed using average balances (e.g., across a calendar month) and may take into account eligible holdings such as deposits and other qualifying products. Customers should check the latest TRB calculation approach with RHB before relying on it to qualify for Premier rates.

How this promo fits into a broader savings strategy

Even with a refreshed board rate, savers may still want to compare across other Singapore dollar FD options before committing. Our Singapore fixed deposit rate guide can help to benchmark tenors and minimum placements across banks.

Depending on personal goals, some may combine FDs with higher-yield savings accounts for liquidity, while others may do an FD “ladder” (splitting funds across different tenors) so that part of the money matures earlier for flexibility.

Where to find more details

For campaign mechanics, eligibility details, and any updates or restrictions, customers can refer to the official RHB promotional page, which sets out the latest information on the campaign.

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