In the sophisticated financial landscape of Singapore, where discerning investors seek premium avenues to safeguard and enhance their wealth, fixed deposits stand out as a cornerstone of stability and assured returns. Amidst fluctuating markets and economic uncertainties, these instruments offer affluent individuals a refined way to secure capital with competitive yields, backed by the robust regulatory framework of the Monetary Authority of Singapore. This curated selection highlights the premier banks providing exceptional fixed deposit rates, blending reliability, innovation, and tailored services to meet the expectations of high-net-worth clients. Expect insights into standout offerings that deliver superior value, ensuring your portfolio remains resilient and prosperous.
1. DBS Bank
As Singapore’s preeminent financial institution, DBS Bank exemplifies excellence with its unwavering commitment to innovation and client-centric solutions, making it a preferred choice for elite investors pursuing secure, high-yield opportunities. Its UEN is 196800306E.
Products or Services
DBS offers fixed deposits with attractive rates up to 2.45% p.a. for 12-month tenures, requiring a minimum deposit of just S$1,000. What distinguishes these is the flexibility for shorter terms like 6 or 9 months at 2.15% and 2.35% p.a., respectively, coupled with seamless digital placement via the DBS digibank app, ideal for tech-savvy affluent clients seeking effortless wealth preservation.
Reviews and Feedback
DBS has been lauded as the World’s Best Bank by Euromoney in 2025, reflecting its global leadership in digital banking and customer satisfaction. Experts commend its robust risk management and consistent performance, earning it accolades like Asia’s Safest Bank for 16 consecutive years from Global Finance.
Contact Information & Location
- Address: 12 Marina Boulevard, Marina Bay Financial Centre Tower 3, Singapore 018982
- Phone: 1800 111 1111 (within Singapore), +65 6327 2265 (from Overseas)
- Operating Hours:
- Monday to Friday: 8:30 AM – 4 PM
- Saturday: 8:30 AM – 12:30 PM
Website Link
DBS Bank
2. OCBC Bank
OCBC Bank distinguishes itself through a heritage of trust and forward-thinking strategies, positioning it as an elite option for sophisticated depositors who value personalised wealth management alongside competitive returns. Its UEN is 193200032W.
Products or Services
With rates reaching up to 1.80% p.a. for select tenures, OCBC’s fixed deposits start from S$5,000 and offer terms from 3 to 36 months. Standout features include promotional bonuses for online placements and integration with OCBC’s wealth advisory services, allowing affluent clients to align deposits with broader investment portfolios for optimised growth.
Reviews and Feedback
OCBC has secured the Best Bank for SMEs in Asia by Euromoney, underscoring its innovative approach. It has also been recognised for excellence in sustainable finance, appealing to environmentally conscious high-net-worth individuals, with consistent praise from industry experts for reliability and customer service.
Contact Information & Location
- Address: 65 Chulia Street, OCBC Centre, Singapore 049513.
- Phone: 1800 363 3333 (Local) | +65 6363 3333 (Overseas)
- Operating Hours:
- Monday to Friday: 9:30 AM – 4:30pm
- Saturday: 9:30 AM – 12:30 PM
Website Link
OCBC Bank
3. United Overseas Bank (UOB)
UOB embodies refined banking with a focus on regional connectivity and bespoke services, making it an astute choice for affluent Singaporeans with international aspirations and a preference for premium financial security. Its UEN is 193500026Z.
Products or Services
UOB’s fixed deposits feature rates up to 1.55% p.a. for 6-month terms, with a minimum of S$10,000 and options extending to 10 months at 1.40% p.a. Unique highlights include bundled privileges for high-value deposits, such as priority banking perks and seamless integration with UOB’s global network for cross-border wealth management.
Reviews and Feedback
UOB has been honoured as the Best International Bank in Asia by Global Finance, highlighting its strength in facilitating affluent clients’ global ambitions. Awards for innovation in digital banking further affirm its status as a leader in delivering exceptional value and security.
Contact Information & Location
- Address: 80 Raffles Place, UOB Plaza, Singapore 048624
- Phone: 1800 222 2121 (within Singapore)
- Operating Hours:
- Monday to Friday: 9:30 AM – 4:30 PM
- Saturday: 9:30 AM – 12:30 PM
Website Link
UOB
4. Maybank Singapore
Maybank Singapore appeals to the discerning with its blend of Islamic-compliant options and competitive yields, offering a culturally attuned approach for affluent clients seeking ethical and high-return fixed deposit solutions. Its UEN is 201804195C.
Products or Services
Featuring rates up to 1.85% p.a. for 6-month tenures with a minimum of S$20,000, Maybank’s offerings include bundled promotions requiring additional funds for enhanced returns. Its standout iSAVvy Time Deposit provides digital convenience and Shariah-compliant variants, catering to premium investors valuing diversity in their portfolios.
Reviews and Feedback
Maybank has earned the Best SME Bank in Southeast Asia from Alpha Southeast Asia, praised for its innovative financing solutions. Recognition for customer-centric services positions it as a trusted partner for affluent individuals pursuing sustainable wealth growth.
Contact Information & Location
- Address: 2 Battery Road, #01-01, Maybank Tower, Singapore 049907
- Phone: 1800 629 2265 (within Singapore)
- Operating Hours: Monday to Friday: 10 AM – 6:30 PM
Website Link
Maybank Singapore
5. Bank of China (BOC) Singapore
Bank of China Singapore excels in bridging Eastern and Western financial worlds, providing affluent clients with unparalleled access to Greater China opportunities through secure, high-yield fixed deposits. Its UEN is S36FC0753G.
Products or Services
BOC delivers rates up to 1.86% p.a. for 3-month terms with a low minimum of S$500 via mobile banking, extending to 5 months at similar yields. Its mobile-exclusive placements and RMB options stand out, offering premium connectivity for investors with cross-border interests.
Reviews and Feedback
BOC has been awarded Best Foreign Bank in Singapore by FinanceAsia, celebrated for its expertise in trade finance and sustainable practices. Experts highlight its role in facilitating affluent clients’ diversification into Asian markets with reliability and innovation.
Contact Information & Location
- Address: 4 Battery Rd, Bank of China Building, Singapore 049908
- Phone: 1800 669 5566
- Operating Hours:
- Monday to Friday: 9 AM – 4 PM
- Saturday: 9 AM – 12 PM
Website Link
Bank of China Singapore
6. CIMB Bank Singapore
CIMB Bank Singapore captivates with its dynamic, digitally-forward approach, delivering premium fixed deposit rates tailored for affluent clients who prioritise efficiency and high returns in a fast-paced world. Its UEN is S99FC5759D.
Products or Services
CIMB provides rates up to 1.60% p.a. for 3-month tenures with a minimum of S$10,000, scaling to 1.50% for 6 months and 1.30% for longer terms. Preferred banking clients enjoy boosted rates up to 1.90%, with seamless online management making it ideal for sophisticated investors seeking agility.
Reviews and Feedback
CIMB has been recognised as the Best Digital Bank in Southeast Asia by The Digital Banker, earning acclaim for its innovative platforms. Awards for customer experience underscore its appeal to affluent demographics valuing modernity and performance.
Contact Information & Location
- Address: 30 Raffles Place, #04-01, Singapore 048622
- Phone: +65 6333 7777
- Email: [email protected]
- Operating Hours:
- Monday to Friday: 9 AM – 4:30 PM
- Saturday: 9 AM – 1 PM
Website Link
CIMB Bank Singapore
7. RHB Bank Singapore
RHB Bank Singapore offers a bespoke banking experience with competitive rates and personalised service, ideal for affluent clients desiring a blend of tradition and contemporary financial sophistication. Its UEN is S99FC5710J.
Products or Services
RHB’s fixed deposits yield up to 1.80% p.a. for 3-6 month terms, starting from S$20,000. Flexible withdrawal options without interest loss in select cases distinguish it, providing premium liquidity for high-net-worth individuals balancing security and accessibility.
Reviews and Feedback
RHB has secured the Best Islamic Bank in Singapore from Global Finance, praised for its ethical banking innovations. Recognition for SME support extends to affluent clients, highlighting its commitment to inclusive, high-value services.
Contact Information & Location
- Address: 90 Cecil Street, RHB Bank Building, Level 1, Singapore 069531
- Phone: 1800 323 0100
- Operating Hours: Monday to Friday: 9 AM – 4 PM
Website Link
RHB Bank Singapore
Summary
These distinguished banks represent the pinnacle of fixed deposit offerings in Singapore, combining competitive rates with unparalleled service to elevate your wealth management journey. For those with refined financial goals, exploring these options promises not just returns, but a partnership in prosperity.
Disclaimer: All information provided here has been compiled from publicly available sources. While we have made every effort to ensure accuracy, we do not guarantee that the information is complete or error-free. We disclaim any liability for inaccuracies or omissions. If you find any errors or have concerns about the content, please let us know so we can address them promptly.
