Quick answer: The best savings accounts without salary credit in Singapore are MariBank (flat 1.88% p.a., zero conditions), CIMB FastSaver (tiered up to 2.88% with optional card use), GXS Savings Account (daily compounding, no minimums), UOB Stash Account (grow your balance for up to 2.045%), Citi Wealth First Account (up to 7.51% by bundling wealth products), HSBC Everyday Global Account (multi-currency, promotional rates), and Maybank Save Up Account (up to 4% when you use three Maybank products).
Your weekend hours are precious. Hunting for a savings account without salary credit shouldn’t swallow your Saturday. This plan sets the accounts in a practical sequence: from those you can open in minutes to ones where a quick branch hop makes sense. By the time your kopi-o kosong is finished, you’ll know which account fits and why.
Best Bank Accounts & Savings in Singapore is the parent list here, with 21 guides covering everything in this area.
MariBank
No salary credit? No problem, lah. MariBank’s digital savings account is built for that—you get a flat 1.88% p.a. on the first S$100,000, and there’s no minimum deposit, no conditions, no hidden fees. Interest is credited daily and paid out every month, so your money is never just sitting idle. Everything runs through their app, which is clean and straightforward; you can open an account while waiting for your grab to arrive. It’s fully licensed by the MAS, so it’s safe. If you’re a freelancer, a side-hustler, or just someone who wants to see their savings grow without having to do anything, this is a very easy choice.
Need help? Call +65 6995 8688, or hit the 24/7 in-app live chat. They’re online-only, but the head office is at 1 Rochester Park, #16-01, Citadines Connect Rochester, Singapore 139212. Head to MariBank for the details.
Who it’s for: Anyone who hates paperwork and just wants a steady rate without fuss. For even more digital-only choices, our write-up on Online Savings Accounts in Singapore covers a few more.
While waiting for a ride, the weekend warrior can open a MariBank account through the app-only setup, making the most of a spare moment between errands.
CIMB FastSaver
CIMB FastSaver gives you a nice tiered boost. You can earn up to 2.88% p.a. on the first S$75,000, and you only need S$1,000 to open it. The base rate is already decent, but if you happen to use a CIMB card or set up a GIRO transfer, the bonus interest kicks in—still no salary credit required. There are no fall-below fees, so you don’t get penalised if your balance dips. It’s that kind of straightforward, old-school banking feel with modern rates. They have a physical branch on Orchard Road if you like to talk to someone face-to-face. Pick up the phone at +65 6333 7777, or drop by 270 Orchard Road #03-02, Singapore 238857 (Mon-Fri 9am–4:30pm, Sat 9am–1pm). Learn more at CIMB FastSaver.
Who it’s for: Savers who might occasionally spend on a card or automate a bill and want to see their interest bump up as a reward, but never want to tie it to a job’s payday. For a broader view across the market, our piece on Savings Accounts in Singapore with Interest Rates breaks down what’s out there.
Set aside twenty minutes after lunch—this account rewards a small extra step. If you already use a CIMB card or don’t mind setting up a GIRO payment once, the tiered rate jumps nicely without any branch run. No penalty if your balance dips, so you can adjust your savings rhythm without worry.
GXS Savings Account
GXS Savings Account is all about simplicity. It gives you up to 1.58% p.a., and there’s no minimum deposit, no lock-in, no hoops—just interest that compounds daily, so even the interest you earned yesterday starts earning today. The account lives entirely on the GXS app, and you can get going in minutes. It’s backed by a strong fintech player licensed by MAS. No branch, no calls—just in-app chat support available anytime. If you want your cash to be liquid and still grow, this is a damn good option. For support, use the in-app chat; it’s 24/7. Their office is at 3 Media Close, #09-03, Singapore 138498, but you likely won’t need to go. Head to GXS Savings Account to sign up.
Who it’s for: Young professionals, students, or anyone who keeps their phone on them and wants their savings to compound daily without any conditions—like a digital coin jar that pays you.
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Ideal for the hands-off saver who wants to see interest compound while they enjoy a lazy breakfast. Open the GXS app in minutes; no lock-ins mean you can shift funds later if a better rate appears. The in-app chat answers questions without queuing on a phone call, so your morning stays your own.
UOB Stash Account
UOB Stash Account takes a different approach: climb the tiers by simply keeping your balance steady or growing it each month. No salary credit, no card spend, no GIRO. Just maintain or increase your average balance, and you earn up to 2.045% p.a. There’s no minimum balance requirement either, so you set your own pace. UOB is a familiar name, and you can walk into their flagship at 80 Raffles Place if you like a bit of banking with a view. Call 1800 222 2121 or visit UOB Plaza, Singapore 048624 (Mon-Fri 9am–6pm, Sat 9am–1pm). Details at UOB Stash Account.
Who it’s for: Retirees, or anyone who likes the idea of earning more just by being disciplined about not touching their savings. It rewards patience. If you want to weigh this against accounts that need more activity, check out our comparison of Savings Accounts in Singapore.
If the idea of walking into a familiar bank gives you peace of mind, UOB Stash is your pick. Here’s the weekend hack: pop by their Raffles Place flagship on a quiet afternoon, open the account, then set a monthly reminder to top up. Your balance grows, and so does your rate—no hoops, just habit.
Citi Wealth First Account
This one is for people who already have a bit put aside and use a range of financial products. Citi Wealth First Account can deliver up to 7.51% p.a. on balances from S$50,000 to S$500,000, but it’s tied to activities: saving, spending on a Citi card, investing, or buying insurance through them. No salary credit required. It’s like a rewards programme for your whole financial life. If you’re already a Citi customer, it’s a smart way to make your relationship pay. They have a dedicated hotline at +65 6225 5225 (daily 8am–8pm) and you can visit their office at Asia Square Tower 1, 8 Marina View, Singapore 018960 (Mon-Fri 9:30am–3:30pm, Sat 9:30am–12pm). Read the fine print at Citi Wealth First Account.
Who it’s for: Seasoned investors, or anyone comfortable juggling a few Citibank products. If your wallet already has a Citi card, this might just be the next logical step.
This one is for the Sunday organiser. If you’re already using Citi for cards, investments, or insurance, bundling those activities under this account can unlock a notable rate while you review your finances over a second teh. It’s not for the weekend-only dabbler—it rewards an already busy financial life.
HSBC Everyday Global Account
If your money moves across currencies, HSBC Everyday Global Account is a blessing. You can earn up to 3.25% p.a. bonus interest by bringing in S$2,000 in fresh funds each month and making just five transactions—no salary credit needed. It handles multiple currencies smoothly, so you can manage SGD, USD, GBP and more in one place without separate accounts. The promotional rates can be quite attractive, and it’s backed by a global bank with a strong digital game. Reach them at +65 6472 2669 or swing by Marina Bay Financial Centre, 10 Marina Boulevard, Singapore 018983 (Mon-Fri 9:30am–3:30pm, Sat 9:30am–12pm). Explore at HSBC Everyday Global Account.
Who it’s for: Frequent travellers, expats, or anyone who dabbles in foreign currencies and wants a bonus for being active in their account each month.
For the frequent flyer whose weekends are spent packing, this account solves a dual purpose. Set up a recurring S$2,000 transfer and five quick transactions on a Saturday morning; you’ll earn bonus interest while your SGD, USD, and GBP sit in one neat dashboard. A short branch errand sets the stage, then it’s all digital.
Maybank Save Up Account
Maybank Save Up Account is for those who already bank with them or are willing to bundle. It rewards you when you use three or more Maybank products—like a home loan, a credit card, or an investment plan—with an interest rate that climbs to 4.00% p.a. No salary credit needed, and you only need S$1,000 to start. It’s a bit like a loyalty programme: the more you consolidate, the better your rate. Visit their main branch at Maybank Tower, 2 Battery Road, Singapore 049907 (Mon-Fri 9:15am–4:45pm, Sat 9:15am–12:15pm), or call 1800 629 2265. Details are at Maybank Save Up Account.
Who it’s for: Maybank loyalists, or anyone planning to take up a loan or invest with them anyway—this turns those natural ties into extra interest.
We compile these ourselves and take suggestions. If your business belongs on this list, tell us why.
How to choose
The right account depends on how much effort you want to put in and what you already do with your money. If the thought of tracking monthly transactions makes you sian, pick a flat‑rate, no‑condition account like MariBank or GXS. They’re set‑and‑forget. If you’re comfortable doing a few things each month—say, swiping a card or sending a GIRO—CIMB FastSaver or HSBC Everyday Global Account will reward that bit of activity with higher rates. UOB Stash Account sits in between: just don’t touch your balance, and you climb the tiers. For those who already have a relationship with a bank, Citi Wealth First and Maybank Save Up turn existing habits into serious interest. Minimum balances vary from zero to S$50,000, so check what you can park comfortably. And if you deal with multiple currencies, HSBC’s multi‑currency capability is a nice bonus. Fair rates without salary credit typically range from around 1.5% to over 3% for basic conditions; anything above that usually requires wealth bundling or high minimums.
| Account | Interest Rate (up to) | Minimum Balance | Main Requirement | Who Might Like It |
|---|---|---|---|---|
| MariBank | 1.88% p.a. flat | None | None | No‑fuss digital savers |
| CIMB FastSaver | 2.88% p.a. | S$1,000 | Optional card spend or GIRO for higher tier | Those wanting tiered rates with occasional activity |
| GXS Savings Account | 1.58% p.a. | None | None | Daily compounders who want zero conditions |
| UOB Stash Account | 2.045% p.a. | None | Maintain or increase monthly balance | Patient savers who dislike conditions |
| Citi Wealth First Account | 7.51% p.a. | S$50,000 | Spend, invest, insure with Citi | Affluent who already use Citi products |
| HSBC Everyday Global Account | 3.25% p.a. | None stated; S$2,000 fresh funds | Fresh funds + 5 transactions monthly | Multi‑currency users and frequent transactors |
| Maybank Save Up Account | 4.00% p.a. | S$1,000 | Use 3+ Maybank products | Maybank ecosystem users |
Summary
You don’t need a salary credit to earn competitive interest in Singapore. From zero‑condition digital accounts to bundled‑product powerhouses, each option here gives your money a quiet push upward. Pick the one that fits how you already live with your finances, and your savings will do more without you having to.
Disclaimer: Details, rates, and conditions can change. Please confirm directly with the bank before opening an account.
Frequently asked questions
This is the account for the loyalist who’d rather bundle than chase. If you already hold a Maybank home loan and credit card, adding this account during a quick branch visit on a weekday lunch detour makes sense. The rate climbs with each extra product, turning an afternoon errand into a long-term gain.
Do I need to be a Singapore citizen to open these accounts?
Most are available to Singapore residents. Some may require a valid work pass or long‑term visit pass. Check with each bank for their specific eligibility.
Are these savings accounts protected by deposit insurance?
Yes, all banks listed are MAS‑licensed, and eligible deposits are insured up to S$100,000 per depositor under the Singapore Deposit Insurance Corporation (SDIC) scheme.
Can I open more than one savings account without salary credit?
Absolutely. There’s no rule against holding multiple accounts; many people do this to take advantage of different bonus structures or to spread their funds. Just be mindful of any dormant account fees.
How is the interest calculated?
It varies. MariBank and GXS compound daily; others calculate based on average daily balance. Always check the specific terms for how bonus tiers apply—some require certain actions for the following month.
What happens if I don’t meet the transaction or balance requirement in a given month?
You’ll usually earn a lower base rate or no bonus interest for that month. For example, CIMB FastSaver still pays a competitive base rate even if you skip the card spend. The main downside is missing the higher tier for that period.
Are these accounts for long‑term savings or can I withdraw anytime?
They are all liquid accounts; you can withdraw anytime without penalty. However, to earn the higher bonus rates, some require you to maintain or grow the balance, so frequent withdrawals might lower your effective rate.
