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RHB Bank Singapore has refreshed its promotional fixed deposit (FD) rates, effective 11 Feb 2026.
Savers seeking a lower-risk cash parking option can lock in up to 1.35% p.a. 🔒, as long as funds are held to maturity.
Compared with the previous promotion on 19 Jan 2026, rates are lower by up to 0.25% ⏬. Even so, this campaign remains straightforward with a S$20,000 minimum placement across both customer segments.
Promotional FD rates from 11 Feb 2026 📊
Three tenors are available. Premier Banking receives a modest uplift over Personal Banking, while the minimum placement stays constant.
| Tenor | Personal Banking (p.a.) | Premier Banking (p.a.) | Minimum Placement (S$) |
|---|---|---|---|
| 3-month | 1.20% ⏬ | 1.30% ⏬ | 20,000 |
| 6-month | 1.20% ⏬ | 1.30% ⏬ | 20,000 |
| 12-month | 1.25% ⏬ | 1.35% ⏬ | 20,000 |
Minimum deposit and suitability 🧭
A minimum of S$20,000 applies per FD placement for both Personal and Premier customers. This structure can suit working adults building a savings buffer, as well as households managing larger idle balances for planned expenses.
In practice, FDs usually work best for spare cash not needed for monthly commitments. While funds are generally placed for the selected tenor, RHB states there is no premature penalty fee for SGD Fixed Deposits; however, any interest treatment for early withdrawal remains subject to the bank’s prevailing terms and conditions.
Key terms to watch 📝
Standard terms apply. A careful read of the full Terms and Conditions (PDF) helps prevent surprises.
- Rates may change: Promotional rates can be revised or withdrawn at the bank’s discretion ⏬.
- Renewals: With eligible auto-renewal instructions, promotional rates are stated to apply based on prevailing promotional rates on the renewal date for the relevant segment.
- Maturity instructions: Confirm whether proceeds roll over, transfer to a linked account, or renew at board rates, so cash remains manageable ✅.
How FD placement works in the RHB Mobile SG app 📱
- New-to-bank: Open an RHB current/savings account via RHB Mobile SG, fund the account, then place the FD under the promotion.
- Existing customers: Log in to review latest FD offers and place or renew eligible deposits in-app.
RHB Premier qualification at a glance 🏦
RHB Premier typically requires a Total Relationship Balance (TRB) of S$200,000. TRB treatment may involve average balances and eligible product holdings; checking latest computation details with the bank is prudent before relying on Premier-rate eligibility.
How this can fit a broader savings plan 📌
Before committing, many savers benchmark alternatives across tenors and deposit sizes. The Singapore fixed deposit rate guide is useful for side-by-side comparison.
For flexibility, common approaches include pairing FDs with higher-liquidity savings accounts or building an FD ladder so parts of cash mature at different points 🔁.
Where to check latest campaign details 🔎
For full mechanics, eligibility, exclusions, and updates, refer to the official RHB promotional page.
RHB’s latest FD refresh offers a simple S$20,000 entry point with up to 1.35% p.a., with slightly better yields for Premier customers. While rates are softer than the prior round, the structure is still practical for short- to medium-term cash parking when tenor, liquidity needs, and maturity instructions are planned in advance 👍.
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