| Starts | 1 Jul 2026 (Wed) | Ends | 31 Aug 2026 (Mon) |
|---|---|---|---|
| Location | Maybank |
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Maybank Singapore Fresh Funds Top-up Promotion
Savers in Singapore with spare cash can earn up to 1.68% p.a. 💹 on qualifying incremental Average Daily Balance (ADB) under the Maybank Singapore Fresh Funds Top-up Promotion. The promotion runs until 31 Aug 2026 and applies when eligible fresh funds are brought into Maybank from outside the bank and maintained in qualifying accounts.
This can be useful for short-term cash parking, especially for funds that are not needed immediately. The promotional interest/dividend applies only to the eligible incremental ADB, so the key is to increase the balance above the account’s Jun 2026 ADB and keep the funds there for enough days to lift the monthly average.
This Jul/Aug 2026 round is the strongest Maybank fresh funds headline rate among the 2026 rounds, though the path was not a straight climb. The headline rate moved from up to 1.40% p.a. in Jan/Feb 2026 to up to 1.55% p.a. in Mar/Apr 2026, eased to up to 1.50% p.a. in May/Jun 2026, then rose to up to 1.68% p.a. for Jul/Aug 2026.
Promotion highlights 🎉
- Promotion period: 1 Jul 2026 to 31 Aug 2026 ⏳
- Headline total rate: Up to 1.68% p.a. on eligible incremental ADB 💹
- Eligible accounts: iSAVvy Savings Account, iSAVvy Savings Account-i and Prestige Savings Account ✅
- Fresh funds rule: Funds must come from outside Maybank Singapore. Internal Maybank transfers and cheques drawn on Maybank accounts do not qualify 🚫
- Reference balance: Incremental ADB is measured against the account’s Jun 2026 ADB 🧾
- New account treatment: Eligible accounts opened from 1 Jul 2026 to 31 Aug 2026 will have Jun 2026 ADB treated as S$0.
What fresh funds mean 💸
Fresh funds generally refer to new money transferred into Maybank from another bank. Moving existing Maybank balances between Maybank accounts will not qualify. Cheques drawn on Maybank accounts are also excluded.
This distinction matters because the bonus interest/dividend rewards additional external funds, not balances already held within Maybank. Keeping transfer records handy can help with checking eligibility later, especially for larger deposits.
How incremental ADB works 📊
The promotion compares the eligible account’s monthly ADB during the promotional period against its Jun 2026 ADB. Only the extra average balance above the reference month is treated as the incremental ADB for the bonus interest calculation.
- Review the Jun 2026 ADB: This is the reference amount used for comparison 🧾
- Transfer fresh funds in: Bring eligible funds from outside Maybank into the qualifying account 💰
- Maintain the balance: More days in the account generally improve the ADB impact 📆
- Meet the required tier: The promotional rate applies according to the eligible incremental ADB band ✅
For accounts opened during the promotion period, the Jun 2026 ADB is treated as zero. For the opening month, ADB is calculated according to the number of days the account has been opened. A deposit placed earlier in the month usually contributes more to ADB than the same deposit placed near month-end.
iSAVvy Savings Account and iSAVvy Savings Account-i rates
| Incremental Average Daily Balance (ADB) (S$) | Base Rate (% p.a.) | Bonus Rate on eligible Incremental ADB (% p.a.) | Total Rate (% p.a.) |
|---|---|---|---|
| 20,000 to < 50,000 | 0.20 | 1.48 💹 | 1.68 |
| 50,000 to < 200,000 | 0.20 | 1.48 💹 | 1.68 |
| 200,000 and above | 0.80 | 0.88 💹 | 1.68 |
Prestige Savings Account rates
| Incremental Average Daily Balance (ADB) (S$) | Base Rate (% p.a.) | Bonus Rate on eligible Incremental ADB (% p.a.) | Total Rate (% p.a.) |
|---|---|---|---|
| 20,000 to < 200,000 | 0.20 | 1.48 💹 | 1.68 |
| 200,000 and above | 0.80 | 0.88 💹 | 1.68 |
How to take part 📝
- Hold or open an eligible Maybank Singapore account, such as iSAVvy Savings Account, iSAVvy Savings Account-i or Prestige Savings Account. Applications may be made via the Maybank online account opening page, subject to Maybank’s checks and requirements.
- Transfer fresh funds from outside Maybank into the eligible account during the promotion period.
- Maintain the higher balance so the monthly ADB exceeds the Jun 2026 reference ADB.
- Check the detailed mechanics and exclusions in the official Terms and Conditions (PDF) 📄
- Need branch support? Use the Maybank Singapore branch and ATM locator to check available service points.
Important terms to note 🧾
- Bonus crediting: Bonus interest/dividend is credited within 10 business days in the following month, or on another date determined by Maybank.
- Account closure: No bonus interest/dividend will be paid if the account is closed before the bonus is credited.
- After the promotion: Bonus interest/dividend will no longer be awarded after the promotion period, and prevailing interest/dividend rates will apply.
- Customer eligibility: The promotion is applicable to individuals only. Maybank employees are not eligible. Sole-name and joint-account holding conditions also apply under the promotion terms.
- Higher-rate clause: If Maybank offers higher bonus interest/dividend rates on the incremental ADB during the promotion, the higher rate will apply for that month. If the rate is lower, the listed promotion rates continue to apply.
- iSAVvy Savings Account-i note: For Shariah-compliant accounts, dividend-rate information is historical information and should not be read as a guaranteed or legally binding promise that hibah will be granted.
- Other promotions: This promotion is not valid with other Maybank promotions unless specified.
- T&Cs precedence: If there is any inconsistency between the official T&Cs and marketing materials, the T&Cs prevail.
Useful tips before moving cash 💡
- Top up earlier where possible: Funds held for more days can have a stronger effect on monthly ADB.
- Avoid large unnecessary withdrawals: A lower balance during the month can reduce the average and affect bonus interest eligibility 📉
- Keep external transfer proof: Transaction records may be useful for checking fresh funds status.
- Consider deposit insurance limits: In Singapore, SGD deposits of non-bank depositors are insured up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured 🛡️
- Compare alternatives: Fixed deposits, savings promotions and other cash options may suit different liquidity needs.
Compare more Singapore deposit options 🔎
Before moving funds, it may help to compare short-term savings promotions, fixed deposits and other deposit alternatives in Singapore. Browse this guide to best Singapore deposit rates and promos for more options.
For the latest Maybank promotion page and updates, visit the Maybank Fresh Funds Top-up promotion page.
This Maybank fresh funds top-up promotion is most relevant for savers who can bring in new external funds and maintain the incremental balance throughout the promotional months. The listed 1.68% p.a. is a promotional total rate for qualifying incremental ADB bands, while actual interest/dividend received depends on fresh funds status, ADB movement, applicable account type, crediting conditions and Maybank’s terms.
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