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SingFinance (Sing Investments & Finance Limited) has updated its Singapore Dollar Fixed Deposit (FD) rates with effect from 2 Sep 2025, reducing the top rate to 1.4% p.a.
Update 11 Sep: SingFinance Fixed Deposit Rates Revised from 11 Sep 2025, Earn Up to 1.35% p.a.
This marks the downward revision following the earlier cut which offered rates of up to 1.5% p.a. on 25 Aug 2025.
Online Fixed Deposit Rates
SingFinance continues to offer online-exclusive FD promotions that cater to both small and large depositors. The rates, effective from 2 Sep 2025, are as follows:
| Tenor | Minimum Deposit Amount | |
|---|---|---|
| $1,000 | $10,000 | |
| 3 months | 1.35% p.a. | 1.40% p.a. |
| 6 months | 1.35% p.a. | 1.40% p.a. |
| 12 months | 1.15% p.a. | 1.20% p.a. |
With a low entry point of $1,000, the scheme is accessible to first-time savers, students, and young working adults. Larger deposits from $10,000 and above enjoy a slight rate uplift, rewarding those with more substantial savings.
Branch-Based Fixed Deposits
For those who prefer personalised service, SingFinance continues to provide branch-based FD placements. The updated rates are:
| Tenor | Minimum Deposit Amount |
|---|---|
| $10,000 | |
| 3 months | 1.35% p.a. |
| 6 months | 1.35% p.a. |
| 12 months | 1.15% p.a. |
This option is ideal for customers who value face-to-face consultation, clearer guidance, or prefer handling financial matters directly at a branch.
Key Notes & Considerations
- Rates apply to personal accounts and fresh funds only.
- All rates are subject to change without prior notice.
- Depositors should review the full T&Cs before committing funds.
To visit a branch, use the SingFinance branch locator. For online applications and details, see the Fixed Deposit page. You may also wish to compare across banks via this comprehensive guide to the best FD rates in Singapore.
The latest revision signals a cautious rate environment, with SingFinance trimming its FD returns to a maximum of 1.4% p.a. Savers may wish to lock in rates now if they seek stability, while also keeping an eye on alternatives in the wider market to maximise returns.
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