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SingFinance (Sing Investments & Finance Limited) has refreshed its Singapore Dollar fixed deposit (FD) promotional rates from 23 Dec 2025, with returns of up to 1.3% p.a. for selected tenors and deposit tiers.
This revision follows the earlier update on 26 Nov 2025. Compared with the 26 Nov 2025 schedule, rates are lower on several tenors (with reductions of up to 0.20% p.a.), while the 12-month tenor is slightly higher in some tiers (up to +0.05% p.a.).
What changed vs 26 Nov 2025
- Online (S$10,000): 3-month and 6-month moved from 1.40% p.a. to 1.30% p.a. (-0.10%).
- Over-the-counter (S$10,000): 1-month moved from 1.30% p.a. to 1.10% p.a. (-0.20%).
- Over-the-counter (S$10,000): 6-month moved from 1.40% p.a. to 1.25% p.a. (-0.15%).
- 12-month: increased from 1.15% p.a. to 1.20% p.a. in some tiers (+0.05%).
At a glance
- Online placement: from S$1,000; higher tier from S$10,000.
- Over-the-counter (branch) placement: from S$10,000.
- Top published rate: up to 1.30% p.a. (see tables below).
- Rates are quoted per annum (p.a.); interest is typically paid upon maturity, so the actual interest received depends on the chosen tenor.
Online placement
Customers who prefer to transact digitally can place their FD online with SingFinance. The promotional rates start from a minimum placement of S$1,000, with a higher promotional tier available for deposits of S$10,000 and above. For customers comparing tenors, the online S$10,000 tier features the highest published rates in this campaign for the 3-month and 6-month options.
| Tenor | Minimum Deposit Amount | |
|---|---|---|
| $1,000 | $10,000 | |
| 1 month | 1.10% p.a. | 1.20% p.a. |
| 3 months | 1.20% p.a. | 1.30% p.a. |
| 6 months | 1.20% p.a. | 1.30% p.a. |
| 12 months | 1.10% p.a. | 1.20% p.a. |
Practical tip: Customers who want flexibility may consider splitting funds across a few tenors (sometimes called “laddering”), so not all cash is locked in for the same maturity date.
Over the counter placement
Customers who value face-to-face service can place their FD at SingFinance branches, where staff can assist with queries and documentation. These branch promotions require a minimum deposit of S$10,000. Compared with the online S$10,000 tier, the branch rates are slightly different across tenors, so customers may wish to decide based on their preferred placement channel and the tenor that matches their cashflow needs.
| Tenor | Minimum Deposit Amount |
|---|---|
| $10,000 | |
| 1 month | 1.10% p.a. |
| 3 months | 1.25% p.a. |
| 6 months | 1.25% p.a. |
| 12 months | 1.20% p.a. |
📋 Key notes & considerations
Before committing funds, customers may wish to keep these common FD considerations in mind:
- Applies to personal accounts and fresh funds only; customers should confirm with SingFinance what qualifies as fresh funds before placing.
- Promotional rates are subject to change based on prevailing market conditions and may be revised or withdrawn without prior notice.
- Customers should review the full terms and conditions, including early withdrawal clauses, before placement.
- Interest is paid upon maturity; early withdrawal may lead to reduced returns or loss of interest, depending on the terms.
- Eligible SGD deposits of non-bank depositors are insured up to S$100,000 per depositor per Scheme member under the Deposit Insurance (DI) Scheme administered by SDIC.
As with most fixed deposits, breaking an FD early can result in lower or forfeited interest. Customers who anticipate possible cash needs may prefer to keep some funds in more liquid savings options, or spread placements across shorter tenors to reduce lock-in risk.
📝 How to apply
Applicants can apply online via the SingFinance Fixed Deposit page, where the latest promotional details are listed and online placement can be initiated using a SingFinance account.
- Visit the SingFinance Fixed Deposit page and access the online placement facility.
- Select the preferred tenor and enter the intended deposit amount, ensuring the minimum placement requirements are met.
- Confirm the details and complete the placement based on the on-screen instructions.
For customers who prefer to place in person, branch locations can be found via the branch locator. Identification documents and relevant account information may be required for verification, especially for first-time customers.
To benchmark this campaign against other promotions in the market, refer to this comprehensive guide to Singapore’s FD promotions for broader comparisons across banks and finance companies.
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