Standard Chartered S’pore e$aver promo up to 1.65% p.a. on fresh funds till 31 Mar 2026

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Earn up to 1.65% p.a. on incremental fresh funds with Standard Chartered e$aver

Standard Chartered Bank Singapore is running an e$aver promotional interest deal from 1 Feb 2026 to 31 Mar 2026 for customers who want a fuss-free place to park spare cash while keeping it liquid 💰😎.

During the promo window, eligible customers can earn a total effective rate of 1.25% to 1.65% p.a. on incremental fresh funds (new money above the customer’s Jan 2026 average daily balance). There is no lock-in, so funds stay accessible for transfers, bill payments or emergencies 🚀🙂. The rates are the same as the previous Dec 2025 to Jan 2026 cycle.

🔥 Promo snapshot (at a glance)

• Promotion period: 1 Feb 2026 to 31 Mar 2026 🗓️
• Total promo interest: 1.25% to 1.65% p.a. on qualifying incremental balances
• Balance cap for promo rates: up to S$2,000,000 in the eligible account 💼
• No lock-in / no early-withdrawal penalty during the promotion period 👍
• Baseline for “incremental”: customer’s Jan 2026 average daily balance (ADB) 📌

This promotion is positioned for savers who prefer a straightforward savings account promotion without needing to hit card-spend, salary-crediting or multi-category requirements 😅.

📊 How the promotional interest is calculated

The bonus is paid only on the incremental fresh funds placed in the e$aver account above the Jan 2026 ADB. In practice:

• If the Jan 2026 ADB was S$5,000 and the balance sits at S$25,000 during the promo, the incremental amount is S$20,000
• If the balance drops below the baseline on some days, the eligible incremental amount can shrink because interest is typically based on daily balances 😬

The total effective rate is made up of a prevailing (base) rate plus a promotional bonus rate. The table below summarises the total effective rates during the promotion period:

Quick illustration: if S$10,000 of incremental funds is maintained for about one month, the promo interest works out to roughly S$13.75 at 1.65% p.a., or about S$10.42 at 1.25% p.a.

🏦 Who counts as a “Wealth Holding” customer?

Under the promotion T&Cs, the bonus tier is determined by whether the primary account holder is a customer with wealth holdings at the end of each calendar month during the promotion period.

Wealth holdings may include eligible investment and/or insurance products purchased through the bank (e.g., investment categories such as Unit Trusts, Bonds, Structured Notes and Equities, subject to the bank’s definitions in the T&Cs).

Because the assessment is month-end based, customers aiming for the higher tier should ensure they meet the wealth-holdings definition at each month-end within the promo period.

🧾 What counts as “fresh funds”?

Fresh funds are generally defined as deposits that do not come from an existing Standard Chartered account, and are not withdrawn and re-deposited within 30 days of the promotion period 😇.

Practically, this often means transferring money in from another bank (FAST / PayNow transfer), or crediting in genuinely new proceeds (e.g., salary, sale proceeds) that have not been sitting within Standard Chartered in the relevant lookback window 💸🙂.

✅ Eligibility checklist

• Customer has an eligible Qualifying Account with Standard Chartered: e$aver, e$aver Kids! or World Partner Savings
• Deposit fresh funds during 1 Feb 2026 to 31 Mar 2026
• Bonus interest is based on the Incremental Balance measured against the Jan 2026 average daily balance (Comparison Month)
• For the higher tier, the primary account holder must meet the bank’s wealth holdings definition at the end of each calendar month during the promo period

🚶 Step-by-step: how to take part (and maximise returns)

1. Keep the e$aver account active. If the account is new, ensure it is opened before transferring funds.
2. Understand the baseline. The Jan 2026 ADB is the reference point, so customers who kept higher balances in Jan may need to top up more to see meaningful incremental amounts 😅.
3. Transfer in fresh funds from outside Standard Chartered. Bank-to-bank transfers are typically the clearest way to show funds are “fresh” 👍.
4. Avoid “in-and-out” moves. Withdrawing and re-depositing within 30 days may affect qualification, so planning transfers earlier can reduce surprises 🙈.
5. For the 1.65% tier: ensure the qualifying investment/insurance status is met at each month-end in Feb and Mar 2026 🌟.
6. Monitor statements/notifications. Check how and when bonus interest is credited (crediting mechanics can differ across promos) 👀.

⚠️ Key points to note

• The bonus interest applies on the Incremental Balance eligible for Bonus Interest, capped at S$2,000,000 per Qualifying Account(s). Any Incremental Balance above the cap earns Prevailing Interest only.
• As with most bank promotions, the bank may vary or withdraw promotion mechanics and rates based on its published terms 🤓.
• Deposits placed with the bank are typically protected under the Singapore Deposit Insurance Scheme, subject to prevailing coverage limits and conditions 🛡️.

🔎 Learn more and compare

• Promotion Terms & Conditions (PDF) 📄
• Official Standard Chartered e$aver page 🏦
• For a broader view of fixed deposit offers in Singapore, compare alternatives here.

For savers looking for a simple savings promo with no lock-in, this Standard Chartered e$aver campaign offers a clear way to earn a higher return on fresh funds placed above the Jan 2026 baseline. Those with qualifying wealth holdings may enjoy the stronger 1.65% p.a. tier, while customers without wealth holdings can still earn 1.25% p.a. on eligible incremental balances. It pays to read the T&Cs carefully, keep an eye on daily balances, and ensure transfers meet the bank’s fresh-funds definition so the bonus interest is not affected.

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