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SingFinance revises its Singapore Dollar Fixed Deposit (FD) rates effective 25 Aug 2025, trimming the maximum return to 1.5% p.a.
From 25 Aug 2025, SingFinance (Sing Investments & Finance Limited) has reduced its maximum Singapore Dollar FD rate to 1.5% p.a.. This follows the previous adjustment to 1.55% p.a. on 19 Aug 2025. The move highlights the institution’s response to current market trends and broader economic conditions.
Despite the slight rate cut, fixed deposits are a popular savings option for Singaporeans who prioritise security and guaranteed returns. With straightforward tenor choices and lower entry points for online deposits, SingFinance continues to appeal to both conservative and digitally-savvy savers.
Online Fixed Deposit Rates
Customers who prefer convenience can enjoy exclusive online FD rates. The structure supports different deposit sizes, making it accessible to both smaller and larger savers:
| Tenor | Minimum Deposit Amount | |
|---|---|---|
| $1,000 | $10,000 | |
| 3 months | 1.45% p.a. | 1.50% p.a. |
| 6 months | 1.45% p.a. | 1.50% p.a. |
| 12 months | 1.25% p.a. | 1.30% p.a. |
With an entry point of just $1,000, even young professionals or first-time savers can start building their funds. Larger deposits at $10,000 and above are rewarded with slightly higher rates.
Branch-Based Fixed Deposits
For those who prefer in-person service and guidance, SingFinance retains its branch FD placements with a straightforward tiering system:
| Tenor | Minimum Deposit Amount |
|---|---|
| $10,000 | |
| 3 months | 1.45% p.a. |
| 6 months | 1.45% p.a. |
| 12 months | 1.25% p.a. |
This option is well-suited for those making larger placements, seeking personalised advisory, or wanting added clarity before committing their funds.
Smart Saving Tips
- Diversify across tenors: Shorter-term placements currently offer higher yields than longer 12-month terms, so consider staggering deposits to maximise returns while keeping funds flexible.
- Fresh funds only: The promotional rates apply solely to new funds, making it worthwhile to allocate savings from other banks.
- Choose based on needs: Online deposits offer convenience and lower thresholds, while branch deposits are better suited for larger sums and face-to-face engagement.
Important Information
All FD rates are applicable to personal accounts only and may change without prior notice. Customers should review the full terms before placement. To find a branch, visit the SingFinance branch locator. For online applications or comparisons, visit the Fixed Deposit page. Alternatively, check out this comprehensive guide to the best FD rates in Singapore.
Conclusion
While the maximum FD rate at SingFinance has been trimmed to 1.5% p.a., the institution continues to offer competitive options for both digital and branch-based customers. With flexible tenors and lower online entry points, savers in Singapore still have accessible, reliable avenues to grow their funds steadily amidst fluctuating market conditions.
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