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Fresh funds placed with SingFinance can now earn up to 1.75% p.a. under its daily special Singapore Dollar fixed deposit rates for personal accounts, effective from 15 September 2026.
The top rate applies to a 12-month placement of at least S$10,000, while online placements start from S$1,000. 📈
For the lower S$1,000 online tier, the highest listed rate is 1.50% p.a., available across selected tenors. Fresh funds must first be transferred from an external bank into a SingFinance savings account before the corresponding amount is used to fund a new online fixed deposit.
For new retail customers using the digital route, a GoSavers Account can be opened through SIF Mobile using MyInfo with Singpass. SingFinance currently lists no initial deposit, minimum balance, monthly service fee, fall-below fee or early account-closure fee for GoSavers. Existing customers can follow the funding and placement flow shown in SIF Mobile. 📱
The latest 1.75% p.a. headline is above the earlier SingFinance schedule covered in the earlier SingFinance fixed deposit update from 8 Sep 2026.
SingFinance fresh-fund fixed deposit rates
The daily special rates apply to personal accounts and fresh funds only. Rates are subject to change without prior notice and terms and conditions apply. At the S$10,000 placement level, the listed online and over-the-counter rates are identical across all six displayed tenors.
| Tenor | Online: S$1,000 | Online: S$10,000 | Over the counter: S$10,000 |
|---|---|---|---|
| 1 month | 1.15% p.a. | 1.30% p.a. | 1.30% p.a. |
| 3 months | 1.45% p.a. | 1.50% p.a. | 1.50% p.a. |
| 6 months | 1.50% p.a. | 1.70% p.a. | 1.70% p.a. |
| 12 months | 1.50% p.a. | 1.75% p.a. | 1.75% p.a. |
| 18 months | 1.50% p.a. | 1.60% p.a. | 1.60% p.a. |
| 24 months | 1.35% p.a. | 1.50% p.a. | 1.50% p.a. |
Although SingFinance’s standard fixed deposit product has a general minimum placement starting from S$500, the daily special fresh-fund schedule has a minimum of S$1,000 for online placements and S$10,000 for over-the-counter placements.
How to place the fixed deposit
- Check the applicable daily-special rate: Review the official SingFinance Singapore Dollar Fixed Deposit page before transferring funds, since rates may change without prior notice.
- For new retail customers: Download SIF Mobile and open a GoSavers Account using MyInfo with Singpass. Once activated, transfer the minimum required fresh funds via FAST and follow the app instructions to open the fixed deposit.
- For existing customers: Customers with an active fixed deposit or savings account can transfer the required fresh funds into an existing SingFinance savings account via FAST, log in to SIF Mobile, select the fixed deposit account number and tap “Place New FD Online”.
- For FAST funding: Fresh funds can be transferred from participating banks and non-financial institutions where available. Check the SingFinance FAST information page for details.
- Separate FD Online product: SingFinance also maintains a dedicated Fixed Deposit Online product funded through GoSavers. Rates may differ from the daily-special online-placement schedule above, so confirm the applicable product and rate before placement.
- For over-the-counter placement: A minimum S$10,000 applies under the displayed daily-special fresh-fund schedule. Bring the original NRIC and placement funds to a SingFinance branch for assistance.
SingFinance branch locations
SingFinance currently lists four branches for in-person placement or assistance: Robinson at 96 Robinson Road, #01-01 SIF Building; Ang Mo Kio at Block 715 Ang Mo Kio Avenue 6, #01-4006; Bedok at Block 202 Bedok North Street 1, #01-479/481; and Jurong at Block 131 Jurong Gateway Road, #01-255. Check the official SingFinance branch locations before travelling. 📍
Branch timing: SingFinance currently lists operating hours of 9am to 4pm from Monday to Friday and 9am to 12pm on Saturday, with branches closed on Sundays and public holidays. Queue tickets are issued only until 3pm on weekdays and 11am on Saturday, so arriving earlier can help for an over-the-counter placement. For assistance, the customer service hotline is +6564387060. ⏰
What to compare before placing funds
Compare the offer with other Singapore fixed deposit and savings promotions. Consider the annual rate, placement amount, tenor, funding route, liquidity needs, maturity instructions and account-opening requirements rather than focusing only on the headline rate. 🔎
Before placing funds, check the official SingFinance Singapore Dollar Fixed Deposit page for the prevailing rate and latest terms. With the top 1.75% p.a. rate concentrated at the S$10,000, 12-month tier, matching the tenor and amount to cash-flow needs remains just as important as chasing the highest number.
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