Last updated 5 August 2026. This page was reviewed on that date. Prices, rates and opening hours change often in Singapore — confirm anything that matters directly with the business before you travel or spend.
Quick answer: If your spare cash is earning bank interest that feels a bit low, these seven funds give you an easy way to squeeze out a couple extra percent with low risk and daily access. StashAway and Syfe suit hands-off robo-investors. Endowus is the go-to if you want to fold in your CPF or SRS. Tiger Brokers and FSMOne sweeten the deal for active traders, while MariBank and Chocolate Finance are dead-simple for anyone who wants decent returns with zero hoops.
Leaving spare cash in a regular savings account these days? A bit sayang, right. A cash management fund lets your money work a little harder while you figure out your next move—whether that is a holiday, a big purchase, or just keeping powder dry. The trick is matching the right account to how often you need to touch your money, so you are not caught in a penalty when you need it fast.
Part of Best Investing & Insurance in Singapore: 26 guides covering this ground, for the wider view before you choose.
Cash management funds, without the jargon
Think of these funds as a halfway house between a savings account and an investment. They park your money in low-risk, short-term instruments—mostly money market funds and government bonds—so you earn more than a typical bank deposit but can still pull cash out whenever. None of them are get-rich-quick plays, but they beat letting your balance snooze at 0.05%.
Nobody paid to appear here. If you think there is a gap in this list, we would rather hear about it than not.
StashAway
StashAway gives you a few clean ways to put your spare SGD to work, each with a different balance of commitment and return. Its cash management range runs from the no-lock Simple (projected 2.35% p.a. in a money market fund) to Simple Plus (aiming for 3% p.a. yield to maturity in ultra-low risk funds) and Simple Guaranteed (up to 1.5% p.a. fixed if you can lock the money for a spell). All sit in SG-dollar funds like LionGlobal SGD Enhanced Liquidity Fund, and you stay liquid on most options. The platform itself is a steady robo-advisor with a reputation for data-driven allocation—you get fast VIP support if your balance hits a certain level, too.
Who it suits: Someone who likes a robo-advisor that explains its investment logic and wants to choose how much flexibility to trade for yield.
Online-only service. Call or WhatsApp +65 9877 0801, or email [email protected]. StashAway
This setup is for the planner who likes having lanes. You choose your lane based purely on how long you can ignore the money, and the fee structure means you are not paying active-management prices just to park cash. It suits someone building a tiered holding system without wanting to juggle three different apps.
Syfe
Syfe keeps things straightforward with its Cash+ Flexi portfolio, which blends the LionGlobal SGD Money Market Fund and Enhanced Liquidity Fund. There is no minimum deposit, so you can start small, and fees are a lean 0.35% for smaller sums. You also get access to REITs and equities if you ever want to mix things up later. The app is built for people who would rather not overthink—transparent, personalised portfolios that do the heavy lifting while you get on with life.
Who it suits: Beginners and busy professionals who want a single, low-maintenance cash bucket that delivers competitive returns without nagging for attention.
Phone +65 3138 1215, email [email protected], or reach them via WhatsApp and live chat. Office hours Monday to Friday, 9am to 6pm. Syfe
On a completely different note, if you’re thinking about school options for your kids, we have a guide on Primary Schools in Singapore. Nobody paid to be on that list either.
Hate hidden conditions and just want to start somewhere? This one feels friendly. The no-minimum entry means you can test the waters with your ang bao money, and the app design is refreshingly uncluttered. A good first stop if cash management funds still sound a bit cheem.
Endowus
Endowus is the pick if you want cash management that can also swallow your CPF and SRS monies—something most others cannot touch. Its Cash Smart suite comes in three layers: Secure (Fullerton and LionGlobal funds, very conservative), Enhanced (adds a UOB fund to the mix), and Ultra (spreads across several short-term and bond funds for a touch more oomph). All-in fees start at 0.25%, there are no hidden charges, and you can pull your cash out anytime. The fee-only model means they earn only from what you pay, not from fund commissions, so their advice stays conflict-free.
Who it suits: Anyone who values putting CPF and SRS idle balances to work in one place, with transparent fees and institutional-grade fund access.
Office at 158 Cecil Street, #08-01, Singapore 069545. Phone +65 3138 9167, WhatsApp +65 3129 0038, email [email protected]. Monday to Friday, 9am–6pm (excluding public holidays). Endowus
When CPF or SRS funds are sitting around doing too little, this is the clever pick—most cash management options cannot touch that money. The three-tier structure lets you dial your comfort level up or down, and the all-in fee clarity means no surprise deductions eating into your yield later.
FSMOne
FSMOne’s Auto-Sweep SGD Account quietly moves your spare cash into the iFAST SGD Enhanced Liquidity fund so it earns a yield (around 1.844% p.a. as of August 2025) instead of sitting idle in your trading account. You need just S$10 to start, and the same platform gives you access to stocks, bonds, ETFs and managed portfolios across Singapore, US, Hong Kong, China, Malaysia and UK markets. Flat fees for SG trades are S$8.80, so it is cost-friendly if you occasionally transact. The app gets thumbs up for being easy to navigate, and customer service has a solid name for reliability.
Who it suits: Investors who want their trading cash to earn something while they wait for the next opportunity, all on one all-in-one platform.
Address: 10 Collyer Quay, #26-01 Ocean Financial Centre, Singapore 049315. Phone +65 6557 2853, email [email protected]. In-person account opening available. FSMOne
The DIY investor who already trades occasionally will find this a very neat side feature. It sweeps your idle balance into a yield-earning fund automatically, so you do not have to remember to move money yourself. Think of it as earning kopi money while you wait for your next trade idea to crystallise.
Tiger Brokers
Tiger Brokers’ Tiger Vault is a cash-management feature that really shines for active traders. It offers a 7-day yield of up to 4.18% p.a., with minimums as low as S$10 or US$10. Your balance stays 99% available as trading power, and redemptions are instant when you want to jump onto a trade. Tiger itself charges no fees on the vault, supporting both SGD and USD. If you already trade global markets through Tiger, this is a no-brainer way to make your idle cash work harder between moves.
Who it suits: Frequent traders who want their spare balance earning a decent yield without slowing down their ability to act on market moves.
Office at 1 Raffles Place, #35-61 One Raffles Place Tower 2, Singapore 048616. WhatsApp +65 6331 2277, email [email protected], or online chat during market hours. Tiger Brokers
While you are tidying up your finances, you might also be interested in our round-up of the best Online Savings Accounts in Singapore. A high-yield savings account and a cash management fund can sit very well together.
Liquidity is the real win for active traders: your funds stay nearly fully available as trading power while collecting a yield. Redemption is instant when a market opportunity pops up, so you are never caught waiting for your own money. It turns a dormant trading balance into something useful.
MariBank
MariBank, fully licensed in Singapore and backed by Sea Limited, runs Mari Invest as an easy on-ramp to higher yields. You can start with just S$1, and the projected return sits at 2.60% p.a. after a 0.25% fee. The underlying portfolio is a diversified mix of debt and money market instruments. Withdrawals up to S$10,000 are instant; larger amounts arrive the same day if you request early. The whole thing lives inside a clean app with 24/7 access, so it feels like a digital bank account that just happens to earn more.
Who it suits: Anyone who wants to dip a toe into higher returns with pocket change, and values instant liquidity without paperwork.
App-based, with live chat support. Headquarters at 1 Rochester Park, #16-01, Citadines Connect Rochester, Singapore 139212. Phone +65 6995 8688. MariBank
This one lives inside an app many Singaporeans already have, which makes the onboarding almost lazy-easy. The instant withdrawal under S$10,000 is practical for daily cash flow, and the S$1 start point means you can literally round up spare change and watch it grow without overthinking.
Chocolate Finance
Chocolate Finance keeps it sweet: 2.5% p.a. on your first S$20,000 (2.2% after that) and 4.3% p.a. on your first US$20,000 (4% thereafter). No minimum, no lock-in, and you see your daily returns right in the app—quite shiok. There is even a Top-up Programme guaranteeing rates on the first S$50,000 per currency until December 2025 (that window has since closed), plus a VISA Debit Card that throws in rewards. Under MAS licensing, it is not a bank, so your money sits in investment-grade short-term instruments rather than a deposit account, but the accessibility and guaranteed tiered rates have earned a loyal following.
Who it suits: People who want the highest guaranteed returns they can get on their first few thousand, with zero friction and a slick app experience.
Office at 1 George Street #10-01, Singapore 049145. Email [email protected] or WhatsApp via the app. Chocolate Finance
Nobody paid to appear here. If you think there is a gap in this list, we would rather hear about it than not.
How to choose
The right fund turns on three things: how quickly you might need your money, whether you have CPF or SRS balances waiting, and how much you enjoy a separate app versus an all-in-one platform. All seven options keep your cash liquid on a daily basis, but the sweet spot in yield varies. Expect somewhere between 1.5% and 4% p.a., with the higher numbers usually tied to a shorter-term promotional window or a specific currency.
If you already trade stocks regularly, Tiger Vault and FSMOne make your settlement cash earn while it waits. If CPF and SRS optimisation matters, Endowus is the only one that can handle those accounts natively. For a straightforward robo-advisor approach, StashAway and Syfe let you set and forget, while MariBank and Chocolate Finance feel more like a smarter savings account with no investment jargon needed. Fees among these range from zero on the platform side (Tiger, Chocolate) to 0.25%–0.35% (Endowus, Syfe, Mari Invest), though the underlying funds always carry a small management expense that is already baked into the yield you see. None of these are bank deposits with SDIC protection—they are investment products, but the short-term bond and money-market holdings keep volatility very low in practice.
If you want to cross-check this against other safe havens, peek at our list of SGD Fixed Deposit Rates—different lock-up, same goal of earning more on cash.
| Provider | Key Product | Minimum Deposit | Yield (as of Aug 2025) | Fees | Liquidity |
|---|---|---|---|---|---|
| StashAway | Simple, Simple Plus, Simple Guaranteed | Check with the business | 1.5%–3% p.a. (depending on option) | Underlying fund fees apply; check details | Daily for most; lock-in on Simple Guaranteed |
| Syfe | Cash+ Flexi | None | Competitive (check platform) | 0.35% for smaller sums | Full |
| Endowus | Cash Smart Secure, Enhanced, Ultra | Check with the business | Competitive (varies by tier) | All-in from 0.25% | Full |
| FSMOne | Auto-Sweep SGD Account | S$10 | ~1.844% p.a. net | Flat trading fees S$8.80; fund fees embedded | Daily |
| Tiger Brokers | Tiger Vault | S$10 or US$10 | Up to 4.18% p.a. (7-day yield) | None from Tiger | Instant for trades |
| MariBank | Mari Invest | S$1 | Projected 2.60% p.a. net | 0.25% p.a. | Instant up to S$10k; same-day larger amounts |
| Chocolate Finance | Chocolate Finance account | None | 2.5% p.a. first S$20k (2.2% after); 4.3% first US$20k (4% after) | None stated | Instant |
Summary
These seven cash management funds each give you a low-effort upgrade from a basic savings account, with yields that comfortably outpace the typical 0.05% bank interest. StashAway and Syfe appeal to hands-off robo-investors, Endowus brings CPF and SRS into play, Tiger Brokers and FSMOne fit traders, and MariBank or Chocolate Finance offer the simplest on-ramp for anyone who just wants better returns without thinking hard. Pick the one that matches how you already manage money, and let your idle cash finally pull its weight.
Disclaimer: All details were gathered from publicly available sources and are accurate to the best of our knowledge at the time of writing. Rates and fees can shift, so confirm directly with the provider before committing.
Frequently asked questions
There is something quite shiok about seeing your daily returns clock up in the app. The debit card and rewards layer on top of the yield make this feel less like a dry financial product and more like a daily money companion. Strong for anyone who enjoys a bit of gamification in their saving habit.
What exactly is a cash management fund?
It is an investment product that puts your cash into short-term, low-risk instruments—usually money market funds or short-duration bonds—so you earn a higher return than a savings account while keeping your money accessible daily. They are not bank deposits, so capital is not guaranteed, but the underlying assets are chosen to minimise volatility.
How is this different from a fixed deposit?
A fixed deposit locks your money for a set period at a fixed rate and is typically SDIC-insured up to $75,000. Cash management funds give you daily liquidity, variable yields, and no SDIC protection, but the returns can be higher than shorter fixed deposit tenures.
Which option is best if I want to include my CPF or SRS?
Endowus is the only provider on this list that can manage cash alongside CPF Ordinary Account and SRS funds in a single consolidated portfolio, with fee-only advice and no trailer commissions.
Are the returns guaranteed?
Most cash management funds project a yield based on underlying fund performance, so the rate can fluctuate. StashAway’s Simple Guaranteed and Chocolate Finance’s tiered rates do offer some fixed or guaranteed returns for specific amounts or periods, but always check the terms.
Can I withdraw my money anytime?
Yes, all the listed options provide daily or instant liquidity for the bulk of your balance, though very large withdrawals might need a few hours or a same-day processing window. Check the specific withdrawal limits for each provider.
What fees should I watch out for?
Platform-level fees range from zero (Tiger, Chocolate Finance) to 0.25%–0.35% (Endowus, Syfe, Mari Invest). Underlying fund expenses are already reflected in the net yield you see, so you generally do not need to pay a separate fee on top.
