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| Starts | 1 Dec 2025 (Mon) | Ends | 31 Jan 2026 (Sat) |
|---|---|---|---|
| Location | Standard Chartered |
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Earn up to 1.65% p.a. on fresh funds
From 1 Dec 2025 to 31 Jan 2026, Standard Chartered Bank Singapore is running a e$aver promotion for customers who wish to park spare cash while keeping it fully accessible.
During this period, eligible customers can enjoy attractive interest rates ranging from 1.25% to 1.65% p.a. on incremental fresh funds (measured against the Nov 2025 average daily balance), with no lock-in period. This allows savers to maximise short-term returns and still retain the flexibility to move their money when needed. The rates are lower than the previous Oct – Nov 2025 round.
🔥 Promotion snapshot
- Promotion period: 1 Dec – 31 Jan 2026
- Promotional interest rates from 1.25% to 1.65% p.a. on qualifying incremental balances
- Applies on balances of up to S$2 million in the eligible account
- No lock-in and no early withdrawal penalty during the promotion period
- Incremental fresh funds measured against the customer’s Nov 2025 average daily balance
The promotion is designed for Singapore-based savers who prefer a straightforward savings account without complex spending or salary-crediting requirements.
🎯 Who is this promotion good for?
- Individuals with spare cash looking for a short-term home between 1 Dec 2025 and 31 Jan 2026
- Customers who want the option to withdraw funds anytime without forfeiting promotional interest already earned
- Existing Standard Chartered clients who already hold wealth products and can potentially qualify for the higher promotional tier
- New-to-bank or new-to-product customers who wish to bring in fresh funds from other banks for a limited-time boost in interest
📊 How the promotional interest works
The promotion rewards customers on the incremental fresh funds they place in their Standard Chartered e$aver account above their Nov 2025 average daily balance. Interest is paid as a combination of the prevailing base rate and a bonus promotional rate.
Below is a summary of the total effective rates during the promotion period:
| Customer Type | Prevailing Interest Rate | Bonus Interest Rate | Total Interest Rate |
|---|---|---|---|
| With Wealth Holding | 0.05% p.a. | 1.60% p.a. | 1.65% p.a. |
| Without Wealth Holding | 0.05% p.a. | 1.20% p.a. | 1.25% p.a. |
In other words, wealth-holding customers enjoy the full 1.65% p.a., while customers without qualifying wealth products still benefit from a solid 1.25% p.a. on their incremental fresh funds.
🏦 Who counts as a wealth-holding customer?
“Customers with wealth holdings” are defined as customers who hold either an Eligible Investment Product(s) or Eligible Insurance Product purchased through the bank at the end of each calendar month during the promotion period.
Customers who already have investments or insurance with Standard Chartered may therefore qualify for the top promotional tier, provided they continue to meet the bank’s definition at each month-end during the promotion.
🧾 What are fresh funds?
Fresh funds are defined as deposits that do not originate from any existing account with Standard Chartered, or funds that are not withdrawn and re-deposited within 30 days of the Promotion Period.
Practically, this usually means transferring money in from another bank account in Singapore or crediting new salary or proceeds that have not been sitting within Standard Chartered in the 30 days leading up to the promotion.
📌 Eligibility checklist
- Customer must hold an eligible Standard Chartered e$aver account
- Deposit incremental fresh funds between 1 Dec and 31 Jan 2026
- Incremental balances are measured against the customer’s Nov 2025 average daily balance
- To qualify for the higher rate, customers must maintain qualifying wealth holdings at the end of each calendar month during the promotion period
📝 Simple illustration (for understanding only)
Consider a customer without wealth holdings whose Nov 2025 average daily balance in the e$aver account was S$20,000. If, during the promotion period, this customer maintains S$70,000 in the account, the incremental S$50,000 may be eligible to earn the 1.25% p.a. promotional rate for the days on which it satisfies all criteria.
The headline percentage is quoted on a per annum basis, so the actual dollar interest earned over the promotion window from 1 Dec 2025 to 31 Jan 2026 would be pro-rated according to the exact number of days the funds remain in the account.
🚶 Step-by-step guide to taking part
- Ensure there is an active Standard Chartered e$aver account. If not, apply for one with the bank before placing funds.
- Review the approximate balance maintained in the account during Nov 2025, as this forms the baseline for calculating incremental fresh funds.
- Transfer fresh funds from outside Standard Chartered into the e$aver account between 1 Dec 2025 and 31 Jan 2026, ensuring that the monies have not been withdrawn and re-deposited within the 30 days prior to the promotion period.
- For customers who wish to enjoy the 1.65% p.a. tier, maintain eligible investment or insurance products through Standard Chartered at each month-end during the promotion.
- Monitor account statements and notices from the bank for details on how the bonus interest is credited.
⚠️ Key points and things to note
- The promotional interest is applicable only on eligible incremental fresh funds up to S$2 million; amounts above this cap may earn the standard prevailing rates.
- Interest on the account is usually calculated based on daily balances and then credited at intervals determined by the bank; customers should refer to the official terms for exact crediting details.
- As with all banking promotions, rates and mechanics may be varied or withdrawn by the bank at its discretion.
- Deposits placed with the bank are typically protected under the Singapore Deposit Insurance Scheme, subject to the prevailing coverage limits and conditions set by the relevant authorities.
🔗 Learn more and compare with other options
- Promotion Terms & Conditions (PDF) – full details on qualifying criteria, interest-crediting mechanics and definitions.
- Official Standard Chartered e$aver page – product features, fees (if any) and application information.
- Compare this promotion with other deposit rates in Singapore here to see how it stacks up against fixed deposits, time deposits and other incremental balance offers.
✅ Conclusion
For the period from 1 Dec 2025 to 31 Jan 2026, the Standard Chartered e$aver promotion offers Singapore savers a convenient way to earn between 1.25% and 1.65% p.a. on incremental fresh funds, without having to commit to long lock-in periods or complicated conditions. Wealth-holding customers who already have qualifying investments or insurance with the bank may find the 1.65% p.a. tier especially attractive, while non-wealth customers still receive a meaningful boost at 1.25% p.a..
Those who are comfortable with the short promotional window, and who can bring in fresh funds during the stated period, may wish to consider this offer as part of their overall cash management strategy, alongside other savings and deposit products available in the Singapore market.
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