(EXPIRED) BOC Singapore offers up to 1.35% p.a. fixed deposit rates promo from 19 Jan 2026

EXPIRED

Starts	19 Jan 2026 (Mon)	Ends	25 Jan 2026 (Sun)
Location	Not Specified

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Bank of China (BOC) Singapore has refreshed its personal fixed deposit (time deposit) promotional board, effective 19 Jan 2026.

Update 26 Jan: BOC Singapore offers SGD time deposit promo rates up to 1.35% p.a. from 26 Jan 2026

Under this update, savers can earn up to 1.35% per annum (p.a.) on SGD time deposits when making a new placement via the BOC Mobile Banking App. This is suited for customers who prefer a known, fixed return for a chosen lock-in period, instead of leaving cash idle in a regular savings account.

Compared with the previous revision on 12 Jan 2026, selected tenors in this round have been adjusted, so it is worth checking the best-fit tenor (and the in-app displayed rate) right before confirming.

At a glance 😊

• Top published promo rate: 1.35% p.a. (see table for eligible tenors).
• Channel: BOC Mobile Banking App (new placement).
• Minimums: mostly from S$500, with a higher minimum for a specific 12-month tier.
• Not every tenor is offered: a dash “-” means no published promo rate for that tenor.

📊 BOC SGD time deposit rates (effective 19 Jan 2026)

These are the Mobile Banking promo rates for new placements made via the BOC Mobile Banking App:

Currency	Tenor	Mobile Banking Promo Rates (New Placement) *
		Minimum Amount	Interest Rates (% p.a.)
SGD	1 month	SGD 500	1.20
	2 months		1.20
	3 months		1.35
	4 months		–
	5 months		1.30
	6 months		1.35
	9 months		1.20
	12 months	SGD 500	1.25
		SGD 200,000	1.30

*All interest rates are indicative and may be revised at the bank’s discretion without prior notice. A dash “-” indicates no promotional rate published for that tenor.

What the table suggests (simple takeaways)

• Best published rates: The highest stated rate of 1.35% p.a. appears on 3-month and 6-month tenors (with the listed minimum shown in the table).
• Shorter options: 1-month and 2-month placements are listed at 1.20% p.a., which may appeal to customers who want a shorter lock-in while still earning a stated rate.
• Mid-range option: 5-month is listed at 1.30% p.a., positioned between the 1.20% and 1.35% tiers.
• Longer options: 9-month is listed at 1.20% p.a., while 12-month has two tiers: 1.25% p.a. from SGD 500, and 1.30% p.a. with a higher minimum of SGD 200,000.
• No 4-month promo published: The dash “-” indicates the bank did not publish a mobile-app promotional rate for 4 months at the time of this update.

Key terms & practical notes

• Channel restriction: Promo rates apply to new placement via the BOC Mobile Banking App only. Customers placing via other channels should expect different rates unless stated otherwise.
• Minimum placement: Most listed tenors start from S$500, while the 12-month 1.30% p.a. tier shows a higher minimum of S$200,000 in the table.
• “New placement” wording: As the table labels the offer as New Placement, customers may wish to confirm within the app what qualifies as a new placement for this promotion (if any definitions or restrictions are shown during the placement flow).
• Funding: Customers should ensure sufficient balance in the linked BOC account before placing, to avoid unsuccessful transactions or delays.
• Early withdrawal: Premature withdrawal may result in reduced or no interest, depending on the bank’s terms. Customers who may need liquidity soon typically consider shorter tenors or staggering placements.
• Final rate shown in-app: The applicable rate is the one displayed in-app at the point of placement.
• Rate precedence: If there is any discrepancy between published rates and in-app/counter rates, the rates offered through mobile banking or at the counter shall prevail.

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 (refer to the table for the applicable S$500 or S$200,000 minimums, depending on tenor/tier).
4. Review the promo rate, maturity date, and any early-withdrawal terms shown on-screen.
5. Confirm the placement to complete the process ✅.

Compare and learn more

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.

Information is accurate as of 19 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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