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SingFinance (Sing Investments & Finance Limited) has refreshed its Singapore Dollar (SGD) fixed deposit (FD) promotional rates as at 3 Mar 2026, offering up to 1.25% p.a. for selected tenors and deposit tiers.
Rates below are quoted per annum (p.a.), with interest typically credited upon maturity ⏳ (actual interest depends on the exact number of days in the chosen tenor).
At a glance 👀
- Online placement 📱: minimum from S$1,000; higher-rate tier from S$10,000.
- Over-the-counter (branch) placement 🏦: minimum from S$10,000.
- Top rate in the tables 💹: up to 1.25% p.a.
- Liquidity reminder 💧: funds are locked in for the chosen tenor; early withdrawal may reduce or forfeit interest.
Online placement rates 📱
For a fully digital placement, SingFinance allows FD placement online with a lower entry point (from S$1,000). The S$10,000 tier pays a slightly higher rate for the same tenor 💹.
| Tenure | Minimum deposit amount | |
|---|---|---|
| S$1,000 | S$10,000 | |
| 1 month | 1.00% p.a. | 1.05% p.a. |
| 3 months | 1.20% p.a. | 1.25% p.a. |
| 6 months | 1.20% p.a. | 1.25% p.a. |
| 12 months | 1.20% p.a. | 1.25% p.a. |
Quick takeaway ✅: the best online rate shown is 1.25% p.a. for 3, 6, or 12 months with a S$10,000 placement.
Over-the-counter (branch) rates 🏦
For face-to-face service (help with forms, queries, and verification) 🤝, FD placement is available at SingFinance branches. The minimum placement shown is S$10,000.
| Tenure | Minimum deposit amount |
|---|---|
| S$10,000 | |
| 1 month | 1.00% p.a. |
| 3 months | 1.20% p.a. |
| 6 months | 1.20% p.a. |
| 12 months | 1.20% p.a. |
Key notes & considerations 🔎
- Fresh funds 🆕: promotional rates apply to personal accounts and fresh funds only; confirm what qualifies as fresh funds before placement.
- Rate changes 📉📈: promotional rates can be revised or withdrawn without prior notice.
- Early withdrawal ⚠️: breaking an FD early may lead to reduced returns or loss of interest, depending on the terms.
- Spreading tenors 🪜: consider “laddering” across shorter tenors to reduce lock-in risk while keeping opportunities to reinvest if rates move.
- Deposit Insurance 🛡️: 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.
How to apply ✅
Online placement can be initiated via the SingFinance Fixed Deposit page 🌐.
For online placements, funds are typically transferred from a SingFinance GoSavers account, and account opening/management may be done via the SIF Mobile app 📲. If an account is not set up yet, complete onboarding first before attempting the FD placement.
For in-person placement, branch locations are listed on the branch locator 🏦. Identification documents and relevant account details may be required, especially for first-time customers.
To compare across the wider market, check this comprehensive guide to Singapore’s FD promotions 🔍 for a broader benchmark.
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