(EXPIRED) BOC Singapore offers SGD time deposit promo rates up to 1.35% p.a. from 26 Jan 2026

EXPIRED

Starts	26 Jan 2026 (Mon)	Ends	1 Feb 2026 (Sun)
Location	Not Specified

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Bank of China (BOC) Singapore has refreshed its Personal SGD Time Deposit (Fixed Deposit) promotional rates for new placements via the BOC Mobile Banking App 📱 from 26 Jan 2026.

Update 2 Feb: BOC Singapore offers SGD time deposit promo rates up to 1.4% p.a. from 2 Feb 2026

This may suit customers who prefer a known, fixed return over a chosen lock-in period, rather than leaving cash sitting in a regular savings account 😊.

Compared with the previous revision on 19 Jan 2026, selected tenors in this round have been adjusted. It is worth checking the in-app displayed rate right before confirming, as the bank notes the promotion rates applicable are the rates shown at the point of Time Deposit placement ✅.

At a glance 😄

• Top published promo rate: up to 1.35% p.a. (selected tenors).
• Channel: BOC Mobile Banking App only (labelled New Placement) 📱.
• Minimum placement: mostly from S$500; a higher minimum applies for a specific 12-month tier.
• Tenor availability: a dash “-” means no published promo rate for that tenor.

BOC Personal SGD Time Deposit promo rates (New Placement) 📊

These are the Mobile Banking Promo Rates shown for new placements:

Tenor	Interest rate (% p.a.)	Minimum amount (SGD)
1 month	1.15	500
2 months	1.20
3 months	1.35
4 months	–
5 months	1.30
6 months	1.35
9 months	1.20
12 months	1.32
12 months	1.35	200,000

Quick takeaway 🤓: The headline 1.35% p.a. appears at 3 months and 6 months from S$500, and also at 12 months with a much higher S$200,000 minimum. For smaller 12-month placements, the published option is 1.32% p.a. from S$500.

Key terms & practical notes ✅

• App-only + new placement: Promo rates are stated to apply to new placements via the BOC Mobile Banking App only. Other channels may have different rates 🙂.
• Account required: A BOC Savings Account or Current Account is required to place a time deposit via Mobile Banking.
• Rate at time of booking: For the avoidance of doubt, the applicable promotion rate is the rate at the point of your Time Deposit placement (always review the confirmation screen 👀).
• Early withdrawal: With most time deposits, breaking early may result in reduced or no interest. Customers who want flexibility can consider shorter tenors or split funds across different maturities (“laddering”) 🪜.
• Funding: Ensure sufficient balance in the linked account before placing, to avoid unsuccessful transactions or delays ⚡.

How to pick a tenor (quick guide) 😊

• Need flexibility soon? Shorter options like 1-2 months may be more comfortable.
• Want the best published rate with a low minimum? The table shows 3 months and 6 months at 1.35% p.a. from S$500 😍.
• Parking cash for a year? The published 12-month rate is 1.32% p.a. from S$500, while 12-month 1.35% p.a. requires S$200,000.

How to apply (BOC Mobile Banking App) 📱

1. Log in to the BOC Mobile Banking App.
2. Tap Time Deposit, select SGD, then choose the preferred tenor.
3. Enter the placement amount (observe the S$500 or S$200,000 minimum, depending on tier).
4. Review the rate shown, maturity date, and any early-withdrawal wording shown on-screen.
5. Confirm to complete the placement ✅🎉.

For a broader comparison across banks and promotions, refer to this updated guide. For official details, visit the BOC Singapore website or locate a branch via the BOC Branch Locator 😊.

BOC Singapore’s latest app-only board shows up to 1.35% p.a. on selected SGD time deposit tenors, with entry from S$500 for most options. As rates can change and the applicable promo rate is the one shown at the point of placement, customers should confirm the in-app details before locking in funds 😊✅.

Information is accurate as of 26 Jan 2026 and subject to change without notice. Customers should verify the latest rates, eligibility and terms directly with Bank of China (Singapore) before placing any funds.

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