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RHB Bank Singapore has refreshed its promotional fixed deposit (FD) interest rates, effective from 9 Dec 2025, allowing savers to earn up to 1.4% p.a. on Singapore dollar placements while enjoying predictable returns.
This latest adjustment is a fine-tuning of returns rather than a drastic change, and may appeal to conservative savers in Singapore who prefer guaranteed interest over the ups and downs of market-linked products.
Compared with the previous promotion on 24 Nov 2025, the 3-month and 6-month tenors have both been increased by 0.15% p.a., nudging short-term returns slightly higher.
Updated FD promotional rates (from 9 Dec 2025)
Under this promotion, customers can choose from three tenors. Premier Banking customers enjoy slightly higher rates than Personal Banking customers, while the minimum placement remains the same across the board.
| Tenor | Personal Banking (p.a.) | Premier Banking (p.a.) | Minimum Placement (S$) |
|---|---|---|---|
| 3-month | 1.30% | 1.40% | 20,000 |
| 6-month | 1.25% | 1.35% | 20,000 |
| 12-month | 1.05% | 1.15% | 20,000 |
Based on the table above, the headline rate of up to 1.4% p.a. is achieved on the 3-month Premier Banking placement, with shorter tenors currently paying more than the 12-month option.
As a simple illustration, a Personal Banking customer placing S$20,000 in a 3-month FD at 1.30% p.a. would receive about S$65 in interest at maturity, while a Premier Banking customer placing the same amount for 3 months at 1.40% p.a. would earn about S$70, before any fees or charges.
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 minimum applies equally to both Personal Banking and Premier Banking customers, making the promotion accessible to working adults with accumulated savings as well as affluent individuals managing larger portfolios.
The FD is intended as a short- to medium-term home for surplus cash, rather than for everyday expenses. Customers should be comfortable setting aside their funds for the entire chosen tenor, as early withdrawal of fixed deposits typically results in reduced or even forfeited 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.
Promotional rates are not guaranteed indefinitely and may be revised or withdrawn at any time at the bank’s discretion, so actual rates at the point of placement or renewal will depend on the prevailing promotional board rates.
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.
How to place the FD via RHB Mobile SG app
New-to-bank customers who wish to place a promotional fixed deposit should first open an RHB current or savings account through the RHB Mobile SG app. Once the account has been opened, they can transfer funds from that account within the app to set up the fixed deposit placement under this promotion.
Existing RHB customers can log in to the same app to check the latest promotional FD offers and, where eligible, place or renew their fixed deposits directly 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. TRB is defined as the combined value of all individual deposit holdings (such as savings accounts, current accounts and fixed deposits), together with eligible investments and investment products held with the bank.
Customers who are close to this threshold may wish to review how consolidating their deposits and investments with RHB could help them access Premier Banking rates and services, while balancing diversification across different institutions.
How this promo fits into a broader savings strategy
While RHB’s latest FD rates remain competitive in the current environment, savers are still encouraged to compare this promotion against other Singapore dollar fixed deposit offers. Our Singapore fixed deposit rate guide is a useful starting point to see how RHB’s tenors and minimum placements stack up against other banks.
Depending on individual goals, some may prefer to ladder FDs across different tenors, while others may combine FDs with high-yield savings accounts or other low-risk instruments to keep a balance between liquidity and returns.
Where to find more details
For campaign mechanics and any updates or restrictions, customers can refer to the official RHB promotional page, which sets out the bank’s latest information on the campaign.
As with all bank deposits in Singapore, customers should also be aware of how the Singapore deposit insurance scheme works and check with RHB for the latest coverage limits and exclusions.
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