Quick answer: For couples who just want a simple, steady joint account, DBS eMySavings is a safe pick with no fuss. If you’re after the highest interest, Bank of China SmartSaver hits up to 3.55%—perfect for those happy to credit salary and spend actively. OCBC 360 rewards your everyday routine, UOB One ties in credit card perks, and CIMB FastSaver gives you strong rates with zero minimum deposit, ideal for younger pairs starting out.
Looking more broadly? Best Bank Accounts & Savings in Singapore gathers all 21 guides on this, so you can scan the field first.
DBS Bank
DBS sits firmly in most Singaporeans’ lives, and its joint accounts reflect the same reliable, no-drama vibe. From the 12 Tai Seng branch to their main office at 712A Ang Mo Kio Ave 6, the bank has been named Asia’s Safest Bank—and that stability alone matters when you’re building something together.
The eMySavings account, with a modest S$50 minimum, pays up to 0.25% interest and keeps you on track with adjustable contributions. The simpler My Account sits at 0.05% and needs no minimum balance, so both of you can start without feeling the pinch. They run on a solid digital platform—either of you can sign, track shared goals in the app, and forget about paperwork.
This one’s for couples who want a straightforward joint account that just works—steady, trusted, and clear. No gimmicks, no minimum deposit nightmares. If you’re the kind who’d rather have your grandparents’ generation tell you “this one can trust,” DBS is it.
Need a broader look at how banks stack up for your own stash? Our Savings Accounts in Singapore guide has you covered.
- Address: 712A Ang Mo Kio Ave 6, #01-4066, Singapore 561712
- Phone: 1800 111 1111 / +65 6339 6666 (Overseas)
- Hours: Mon–Fri 8.30am–4pm, Sat 8.30am–12.30pm. Closed Sun.
- Website: DBS Bank
OCBC Bank
OCBC’s 360 Account is practically engineered for couples who already handle salary credit, bills, and regular spending together. Based at OCBC Centre on 65 Chulia Street, the bank has the “Best Bank in Singapore” badge from Global Finance, and you’ll feel it in how the everyday stuff makes your savings tick up.
Park at least S$1,000 here, credit your salary, and pay a few bills—interest climbs to 2.38%, which beats leaving cash idling in a no-frills account. For pairs who like a bit of personality, the FRANK Account (S$1,000 minimum, up to 0.20% interest) lets you pick custom card designs and use budgeting tools that actually feel fun. Both accounts sit nicely in a banking app that turns tracking into a shared habit.
I’d tap this if you already use OCBC for your own things and want a joint account that rewards the life pattern you’re in. The interest isn’t the highest in the list, but the way it ties into your normal spending means you don’t have to jump through extra hoops.
We choose these ourselves. If your place deserves a look for the next update, let us know.
- Address: OCBC Centre, 65 Chulia Street, Singapore 049513 (branches islandwide)
- Phone: 1800 363 3333 / +65 6363 3333
- Email: [email protected]
- Hours: Mon–Fri 9.30am–4.30pm, Sat 9.30am–12pm. Closed Sun.
- Website: OCBC Bank
UOB
If the two of you love maxing out credit card rewards and jetting off with miles, UOB’s joint account lineup is basically written for you. Their main office in UOB Plaza at 80 Raffles Place anchors a bank that’s been called Singapore’s best for SMEs by The Banker, but the One Account is all about personal spending that pays you back.
The UOB One Account gives up to 2.50% interest on a S$1,000 minimum balance, and the rate jumps when you credit salary and run key spending through a UOB credit card. If travel is your real language, the KrisFlyer UOB account (up to 1.40% interest, S$1,000 minimum) earns miles for every dollar parked. For a more layered plan, Stash (S$1,000) and Uniplus (S$500) offer up to 0.05% and sit well as separate pots inside a joint setup.
Couples who already reach for their UOB card at dinner will find this joint account adds a nice little tailwind to shared savings. It’s the “spend smart, save better” approach, wrapped in a familiar app.
If you’re weighing purely online options, dig into our Online Savings Accounts in Singapore breakdown.
- Address: UOB Plaza, 80 Raffles Place, Singapore 048624
- Phone: 1800 222 2121
- Email: [email protected]
- Hours: Mon–Fri 9.30am–4.30pm, Sat 9.30am–12.30pm. Closed Sun.
- Website: UOB
Standard Chartered Bank
Standard Chartered’s joint accounts carry a global polish that works well for couples with family overseas or jobs that move across borders. Their Marina Bay Financial Centre Tower 1 office sets the tone, and being named Best International Bank in Singapore by FinanceAsia means the international connectivity is genuine, not just a label.
The Bonus$aver account offers up to 2.38% interest, with a S$3,000 minimum that unlocks extra returns when you spend on their credit card. For pairs who prefer a leaner entry, the e$aver needs only S$1,000 and gives up to 0.20%, with no fall-below fees and full online management—very little reason to visit a branch.
It’s a fine pick if one of you works regionally and you want a joint account that handles foreign transfers without the sian paperwork. The digital setup is clean, and the credit card tie-in feels like a soft nudge to spend together, not a restriction.
- Address: Marina Bay Financial Centre Tower 1, 8 Marina Blvd, #01-01, Singapore 018981
- Phone: +65 6747 7000
- Email: [email protected]
- Hours: Mon–Fri 10am–5pm
- Website: Standard Chartered Bank
Maybank
Maybank’s iSAVvy Savings Plus account is right for couples who want to start a joint pot without a heavy initial outlay—just S$500 gets you in. Headquartered at Maybank Tower on 2 Battery Road, the bank was named Best SME Bank in Singapore by Asian Banking & Finance, and its joint account lets you earn up to 0.38% interest, with bonus rates layered on when you grow the balance bit by bit.
The incremental bonus structure rewards consistency. Every extra dollar saved on top of the previous month pushes the rate a little, which can feel shiok for couples tackling small savings goals like a holiday or a renovation fund. Interest is lower than some others, but the barrier is gentle and you won’t get penalised for trying.
If the two of you are just starting to pool money and don’t want any monthly stress over maintaining a high balance, Maybank keeps it easy. The return isn’t flashy, but the discipline it builds together is worth more than a few extra basis points.
- Address: Maybank Tower, 2 Battery Road, Singapore 049907
- Phone: 1800 629 2265
- Hours: Mon–Fri 10am–6.30pm. Closed Sat, Sun & Public Holidays.
- Website: Maybank
Bank of China
Bank of China’s SmartSaver account regularly turns heads because the numbers are so high—up to 3.55% interest, making it the standout yield on this list. From their Battery Road building, the bank earned strong performance marks by The Asian Banker, and couples who check the right activity boxes see real returns month after month.
The catch—if you can call it one—is the S$1,500 minimum balance and the need to credit salary, spend on a BOC credit card, and meet at least one of the other eligible transactions. Do that, and the interest tiers unlock steadily. It’s less of a set-and-forget account and more of a team effort, which suits couples who already manage their finances quite actively together.
For kiasu savers who want every dollar working its hardest, this is the one. The joint account structure means you can pool the qualifying activities—two incomes, one target—making the higher rate easier to hit than doing it solo.
If you’re keeping an eye more broadly on rates across banks, our Savings Accounts in Singapore with Interest Rates guide compares the latest offers.
- Address: Bank of China Building, 4 Battery Road, Singapore 049908
- Phone: 1800 669 5566 (Customer Service), 1800 338 5335 (Credit Cards)
- Hours: Mon–Fri 9am–4pm, Sat 9am–12pm
- Website: Bank of China
CIMB Bank
CIMB’s FastSaver account feels designed for the couple who never wants to step into a branch. At their Raffles Place office, the bank holds the Best Digital Bank in ASEAN title from The Asset, and the joint account lives up to it—up to 3.50% interest, no minimum balance, no fall-below fees, and an online application that’s genuinely quick.
The rate is flat and high, not tiered to the sky on conditions you might forget. You earn good interest just by keeping money there, which suits a straightforward saver mindset. You can still set it up as a joint account with either-to-sign authority, so both of you have independent access for daily needs or bill sharing.
If you’re renting a flat and saving for a BTO, and you hate the thought of getting charged for a low balance, CIMB takes that anxiety clean away. It’s a simple, digital-first account that quietly builds your combined savings while you focus on other things—like which tiles to pick.
We choose these ourselves. If your place deserves a look for the next update, let us know.
- Address: CIMB Plaza, 30 Raffles Place, #04-01, Singapore 048622
- Phone: +65 6333 7777
- Email: [email protected]
- Hours: Mon–Fri 9am–4.30pm, Sat 9am–1pm. Closed Sun & Public Holidays.
- Website: CIMB Bank
HSBC Bank
HSBC’s Everyday Global Account is the most internationally minded on this list, giving couples up to 4.20% bonus interest with no required minimum deposit and full multi-currency capability. From their Singapore Land Tower office on Raffles Place, the bank’s Best International Bank crown from Euromoney signals the kind of borderless banking that frequent travellers and expat couples rely on.
What makes it joint-account-friendly is the multi-currency wallet—you can hold and spend in different currencies without needing separate accounts, and both of you can transact easily. The bonus interest comes from everyday spending on the linked card, which means your groceries, dining, and online purchases inch the rate up without much thought.
If one of you often transfers money home or you travel as a pair a few times a year, HSBC removes a lot of the usual friction. The app handles everything, and you don’t need a fat balance to enjoy the perks—perfect for couples who want their joint account to match a life that doesn’t stop at Tuas.
For a wider view of what premium savings can look like, our Premier Savings Accounts in Singapore for Affluent piece might spark ideas.
- Address: 50 Raffles Pl, Singapore Land Tower, Singapore 048623 (branches islandwide)
- Phone: +65 6227 8889
- Hours: Mon–Fri 9.30am–3.30pm, Sat 9.30am–12pm. Closed Sun.
- Website: HSBC Bank
How to choose
Start with your combined monthly habits. Do you already credit salary and pay bills from one main bank? Pick a joint account structured to reward those patterns—OCBC 360 and UOB One are built precisely for that. If chasing the highest headline rate is your thing, Bank of China SmartSaver’s 3.55% and CIMB FastSaver’s 3.50% lead the pack, but they differ: SmartSaver needs you both to actively hit spending and salary crediting conditions, while FastSaver asks for nothing more than keeping money in the account.
Think about the minimum balance, too. S$3,000 (Standard Chartered Bonus$aver) is a noticeable amount to lock away if you’re also paying a mortgage or building a BTO fund, whereas CIMB and HSBC let you start with zero. And if one spouse is based overseas or you move currencies often, HSBC’s multi-currency account cuts out the middleman.
Finally, look at how you want to access the account. All these banks have decent apps, but DBS and OCBC in particular have put years into their digital experience, so joint tracking feels natural, not like a chore.
| Bank | Key Joint Account | Interest Rate (up to) | Minimum Deposit | What Sets It Apart |
|---|---|---|---|---|
| DBS | eMySavings | 0.25% | S$50 | Rock-solid app, low entry, easy signatory options |
| OCBC | 360 Account | 2.38% | S$1,000 | Rewards salary crediting and bill payments automatically |
| UOB | One Account | 2.50% | S$1,000 | Links credit card spending for higher interest; travel mile option |
| Standard Chartered | Bonus$aver | 2.38% | S$3,000 | Global connectivity; card spending boosts returns |
| Maybank | iSAVvy Savings Plus | 0.38% | S$500 | Incremental savings bonuses; gentle start |
| Bank of China | SmartSaver | 3.55% | S$1,500 | Highest rate; best for couples hitting multiple criteria together |
| CIMB | FastSaver | 3.50% | No minimum | No fall-below fees; fully digital; great flat rate |
| HSBC | Everyday Global | 4.20% bonus | No minimum deposit | Multi-currency wallet; everyday spending bonus; no minimum |
Summary
A joint savings account isn’t just about pooling money—it’s a small financial rhythm you build together. From the no-minimum simplicity of CIMB FastSaver to the high-yield grind of Bank of China SmartSaver, Singapore’s banks give you real choices that fit how you already live. Start with the patterns you share, and you’ll land on an account that feels less like a product and more like a partner.
Disclaimer: Details such as interest rates, minimum balances, and operating hours can change. Please confirm directly with the bank before opening an account.
Frequently asked questions
What is a joint savings account?
It’s an account opened in two names. Both of you can deposit, withdraw, and manage money together. Most banks offer “either to sign” mandates, so one person can act without the other on daily transactions.
Which joint savings account in Singapore offers the highest interest rate?
Bank of China’s SmartSaver leads with up to 3.55% interest, provided you meet salary crediting, card spending, and other qualifying activities. CIMB FastSaver offers 3.50% with no conditions, and HSBC Everyday Global gives up to 4.20% bonus interest tied to everyday card use.
Do I need a minimum deposit to open a joint account?
It varies. CIMB FastSaver and HSBC Everyday Global need no minimum deposit. DBS requires S$50 for eMySavings, while OCBC 360 and UOB One need S$1,000. Standard Chartered Bonus$aver asks for S$3,000, and Bank of China SmartSaver needs S$1,500.
Are joint savings accounts covered by deposit insurance?
Yes. Under the Singapore Deposit Insurance Scheme, your joint account savings are insured up to S$75,000 per depositor per bank. That means each account holder gets separate coverage, doubling the protection for a joint account compared to a single one.
Can both account holders access the account independently?
Usually, yes—if you set the signing mandate to “either to sign.” DBS, UOB, and CIMB all offer this. It means either partner can pay a bill, transfer money, or check the balance without the other’s nod. You can also opt for “both to sign” if you want joint approval for every transaction.
What documents do we need to open a joint savings account?
Typically, both of you need your NRICs (or passports for foreigners), proof of residential address, and initial deposit. If the account requires salary crediting, one or both may need recent payslips or CPF statements. It’s best to check the bank’s website for the latest checklist before heading down.
