High Yield Savings Account Calculator Singapore — Compare the Best Rates
Total savings balance to deposit
Salary credited to the bank monthly
On eligible cards monthly
All data stays on your device
Today: Sep 9, 2026
BOC SmartSaver
* Interest rate changes over time. EIR is calculated based on your current savings amount ($0). ** The “updated at” date reflects when this calculator was updated, which may differ from the date the bank published the change.
BOC SmartSaver
Current EIR: 0.00%
2 rate snapshots
Prevailing 0.10%, Card S$750 +0.60% / S$2.5K +0.90%, Salary S$3K +0.50%, 3×Bill +0.10%, Insurance +3.00%. Max 1.60% on S$100K (4.60% with insurance).
Factors Affecting Rate
GIRO Txn
Insurance
Salary
Savings
Spending
Rate Change History
Date
What Changed
Yearly Interest ($)
EIR (%)
Actions
2025-11-01
Prevailing 0.20%→0.10%, Card 0.75/1.25→0.60/0.90%, Salary 0.80%→0.50% (S$2K→S$3K).
Max 1.60% on S$100K.
$0.00
0.00%
2025-08-01
Salary cut 1.50%→0.80%, Wealth bonus up 2.75%→3.00%.
Max 2.35% on S$100K (without insurance).