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SingFinance (Sing Investments & Finance Limited) has refreshed its Singapore Dollar fixed deposit (FD) promotional rates from 13 Nov 2025, offering secure returns of up to 1.3% p.a. 🎉
Update 26 Nov: SingFinance revises fixed deposit promo rates from 26 Nov – earn up to 1.4% p.a.
This revision follows the earlier update on 4 Nov 2025, and introduces slight improvements on selected tenors together with new long-term placements under its 61st Anniversary Fixed Deposit Promotion. In a stabilising interest rate environment in Singapore, these rates may appeal to savers who prefer predictable, low-risk growth on their funds.
61st Anniversary Fixed Deposit Promotion
Under the 61st Anniversary Fixed Deposit Promotion, customers who place at least S$10,000 in fresh funds can lock in attractive longer-term tenors with guaranteed returns for up to three years.
| Tenor | Minimum Deposit Amount | |
|---|---|---|
| $10,000 | ||
| 1 year | 1.15% p.a. | |
| 2 years | 1.25% p.a. | |
| 3 years | 1.30% p.a. | |
How this promotion can be used:
- 1 year (1.15% p.a.) – For savers who want a relatively short commitment while still earning more than a regular savings account.
- 2 years (1.25% p.a.) – Suitable for those who can set aside funds a little longer in exchange for a higher rate.
- 3 years (1.30% p.a.) – Best suited for customers who are comfortable locking in funds for the full term to enjoy the highest promotional rate.
Online Placement
For customers who prefer to transact digitally, SingFinance offers promotional FD rates via online placement, starting from a minimum placement of just S$1,000. Higher rates are available for deposits of S$10,000 and above.
| Tenor | Minimum Deposit Amount | |
|---|---|---|
| $1,000 | $10,000 | |
| 1 month | 1.20% p.a. | 1.30% p.a. |
| 3 months | 1.20% p.a. | 1.30% p.a. |
| 6 months | 1.20% p.a. | 1.30% p.a. |
| 12 months | 1.10% p.a. | 1.15% p.a. |
Shorter tenors from 1 to 6 months offer the same interest rates across these periods, giving savers flexibility to choose a maturity date that fits their cash flow needs while still enjoying up to 1.30% p.a. for deposits of S$10,000 and above. The 12-month tenor provides a slightly lower rate but may suit those who prefer a simple one-year cycle.
Over the Counter Placement
Customers who value face-to-face service can opt to place their fixed deposits at SingFinance branches.
| Tenor | Minimum Deposit Amount |
|---|---|
| $10,000 | |
| 1 month | 1.30% p.a. |
| 3 months | 1.30% p.a. |
| 6 months | 1.30% p.a. |
| 12 months | 1.15% p.a. |
This option appeals particularly to individuals who prefer personal interaction, such as retirees or long-time clients who value relationship banking and professional advice. Branch staff can walk customers through the details of the promotion, assist with documentation and answer queries on maturity instructions or early withdrawal.
Who might these fixed deposits suit?
- Conservative savers who prioritise capital preservation and guaranteed returns over potentially higher but volatile investments.
- Retirees and pre-retirees who appreciate stable income-like returns and the option to ladder tenors for regular access to funds.
- Home buyers or parents setting aside funds for near-term goals such as downpayments, education fees or major purchases.
- Cash-rich individuals waiting for market opportunities who prefer to park spare cash in short-term deposits rather than leaving it idle.
📋 Key Notes & Considerations
Before committing funds, customers should take note of the following key conditions and safeguards:
- Applies to personal accounts and fresh funds only.
- Rates are subject to change based on prevailing market conditions.
- Customers should review the full terms and conditions before placement.
- Interest is paid upon maturity; early withdrawal may lead to reduced returns.
- Eligible SGD deposits of non-bank depositors are insured up to S$100,000 per depositor per Scheme member under the Deposit Insurance (DI) Scheme administered by SDIC.
As with all fixed deposits, customers should ensure they will not need the funds urgently during the chosen tenor, as breaking the FD early typically results in lower or forfeited interest.
📝 How to Apply
Applicants can conveniently apply via the SingFinance Fixed Deposit page, where they can view the latest promotional details and begin an online placement using their SingFinance account.
Those who prefer to visit in person can locate their nearest branch through the branch locator. Identification documents and relevant account information may be required for verification during placement.
To compare SingFinance’s fixed deposit promotion against other banks and finance companies in Singapore, refer to this comprehensive guide to Singapore’s FD promotions for an overview of current market offerings.
Conclusion
From 13 Nov 2025, SingFinance’s revised fixed deposit promotions offer Singapore savers a range of short- and medium-term options with returns of up to 1.3% p.a., depending on tenor, placement channel and deposit size. Whether via online placement for convenience or over-the-counter for personalised service, these FDs may suit those seeking a safe home for spare cash in a stabilising interest rate environment.
As always, customers should assess their liquidity needs, compare offers across institutions and read the full terms before committing funds to any fixed deposit promotion.
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