Standard Chartered ‘Invest or Insure’ Campaign

Be richly rewarded when you invest or insure with Standard Chartered from now to 30 June 2015.
Insure and earn 8% p.a. interest on a 3-month SGD Time Deposit (up to a maximum deposit of S$20,000) with Standard Chartered Priority Banking.

Eligibility	Earn
Take up a Prudential insurance plan with a minimum monthly premium of S$800	8% p.a interest on a 3-month SGD Time Deposit

Eligibility	Rewards
Every S$150,000 fresh funds invested in eligible products	S$250 worth of Takashimaya shopping vouchers (up to S$1,000)

Welcome Gift for New Priority Customers                 
Plus receive additional S$200 worth of shopping vouchers, exclusive rewards and Priority Banking Visa Infinite privileges when you start a Priority Banking relationship with us today.


Please refer to the website for more details.

ANZ Time Deposit Promotion

Enjoy attractive interest of 1.50% p.a. upfront with ANZ Time Deposit.

Placement Amount	11-Month ANZ Instant Interest Time Deposit Interest Rate
SGD150,000 and above	1.50% p.a.
Below SGD150,000	0.90% p.a.

Promotion is valid until 31 March 2015.


Please refer to the website for more details.

Citibank InterestPlus Savings Account Promotion

Citibank is offering up to 3.5% p.a. bonus interest on the first S$50,000 in your account if you insure, invest, spend and borrow with them.

1) Insure and earn 1.2% p.a. bonus interest
If you insure with S$250 per month for 12 months or single premium of S$25,000

2) Invest and earn 1.2% p.a. bonus interest
If you invest S$250 per month for 12 months on a regular savings plan or lump sum of S$25,000 in unit trusts

3) Spend and earn 0.1% p.a. bonus interest
If you spend S$25 on your Citibank Credit Card

4) Borrow and earn 1% p.a. bonus interest
If you take up a Citibank home loan of at least S$250,000

From now till 31 Dec 2015, receive S$200 Takashimaya shopping vouchers if you open an account and fund it with S$50,000 and complete a Personal Financial Report and Investment Risk Profile with a Personal Banker. If you fund it with S$10,000, you can receive S$20 Takashimaya shopping vouchers as a Welcome gift.

Plus, apply for 2 Credit Cards to get a free cabin-sized luggage.


Bonus interest is paid:

• Over a 12 month period for investment and insurance
• Every month whenever you spend S$25
• On the first S$50,000 in your account
• On top of your base interest

Continue to earn the bonus interest for the next 12-month period if you take up another insurance or investment.


Please refer to the website for more details.

HSBC 6-Month and 12-Month Time Deposit Promotion

Enjoy up to 1.35% p.a.* on a 6-month SGD time deposit and attractive rewards* worth up to S$450 and more.

Time Deposit Option	New and Existing	New and Existing
(SGD)	HSBC Premier Customers	HSBC Advance Customers
6-month	1.35% p.a.	1.30% p.a.

The minimum and maximum fresh funds placement amounts for the SGD TMD Promotion are S$30,000 and S$1,500,000 respectively. For placement amount greater than S$1,500,000, please contact either HSBC or your Relationship Manager.

Minimum placement amount in fresh funds	Rewards+
S$200,000	S$50 Dairy Farm shopping vouchers
S$500,000	S$150 Dairy Farm shopping vouchers
S$1,000,000	S$450 Dairy Farm shopping vouchers

Time Deposit Option	New and Existing	New and Existing
(SGD)	HSBC Premier Customers	HSBC Advance Customers
12-month	1.40% p.a.	1.35% p.a.

Minimum placement amount in fresh funds	Rewards+
S$200,000	S$80 Dairy Farm shopping vouchers
S$500,000	S$250 Dairy Farm shopping vouchers
S$1,000,000	S$650 Dairy Farm shopping vouchers

+ Only HSBC Premier customers residing in Singapore who place minimum fresh funds of S$200,000 in a new 6-month or 12-month SGD TMD during the Promotional Period are eligible to receive Dairy Farm shopping vouchers.


Promotion is valid till 31 March 2015.


Please refer to the website for more details.

Bank of China (BOC) Time Deposits PLUS Promotion

Enjoy high interest rates for fresh funds with Bank of China on SGD and RMB Time Deposits with tenors of 6 to 15 months.


For SGD Time Deposits

Tenor	Promotional Rates for SGD (p.a.)
	First Cycle	Second Cycle
3 + 3 months	1.64%	1.68%
3 + 6 months	1.64%	1.70%
3 + 9 months	1.64%	1.74%
6 + 9 months	1.68%	1.76%

For RMB Time Deposits

Tenor	Promotional Rates for RMB (p.a.)
	First Cycle	Second Cycle
3 + 3 months	3.70%	3.85%
3 + 6 months	3.70%	4.00%
3 + 9 months	3.70%	4.10%
6 + 9 months	3.78%	4.25%

Promotion is valid till 31 March 2015.


Please refer to the website for more details.

Bank of China (BOC) Time Deposit Promotion

Enjoy high interest rates on time deposits only for new or existing Prestigious Wealth Management Unit (“PWMU”) clients with fresh funds no less than SGD1,000,000 in Singapore dollars currency.

Currencies	SGD	USD	RMB
Promotional rates*-%p.a.	1.60%	1.25%	3.78%
Tenor	12-month	6-month	6-month
Min Deposit Amount (SGD)	1,000,000	250,000	10,000

Welcome Gift
New PWMU clients can enjoy attractive rates and receive S$500 Takashimaya Shopping Vouchers at the same time.


Promotion is valid till 31 March 2015.


Please refer to the website for more details.

Bank of China (BOC) Multi-Currency Savings Account Promotion - Up to 1.60% Interest

Enjoy high prevailing interest rates and receive bonus interest upfront with our BOC Multi-Currency Savings Account (SGD) with fresh funds deposit.

Deposit Amount (SGD)	Prevailing Interest Rate (p.a.)	Upfront Bonus Interest Rate (p.a.)	Total Interest Rate (p.a.)
$50,000 to $99,999	0.40%	1.10%	1.50%
$100,000 to $999,999	0.48%	1.10%	1.58%
$1,000,000 and above	0.48%	1.13%	1.60%

Please refer to the website for more details.

Maybank Foreign Currency Time Deposit Promotion

Enjoy attractive foreign currency interest rates below when you place a time deposit of at least 10,000 units of the respective currencies with Maybank.

Currency	3-Month rates (% p.a.)	6-Month rates (% p.a.)
AUD	2.70%	2.90%
NZD	3.80%	4.30%
USD	0.80%	0.85%

Promotion is available till 31 March 2015.

Please refer to the website for more details.

Standard Chartered e$aver Promotion

From now till 31 March 2015, enjoy up to 1.35% p.a. interest, no lock-in period and no minimum deposit, when you bring in incremental fresh funds* (compared to October 2014's average daily balance).

Deposit Balance Tier	Prevailing Interest Rate on Deposit Balance	Bonus Interest Rate on eligible Incremental Balance	Total Interest Rate on eligible Incremental Balance
<S$50,000	0.10% p.a.	1.10% p.a.	1.20% p.a.
S$50,000 to <S$200,000	0.15% p.a		1.25% p.a.
≥S$200,000	0.25% p.a.		1.35% p.a.



Promotion has been extended to 31 March 2015 from 31 January 2015.

Please refer to the website for more details.

HSBC Advance Welcome Rewards Promotion

If you sign up for a new HSBC Advance relationship now, you will

• Stand to enjoy welcome gifts worth up to S$150 upon sign-up and qualifying for HSBC Advance, the HSBC Advance Visa Platinum credit card and Personal Internet Banking

• Enjoy up to 1.145% p.a. preferential interest rates for up to 3 months on your incremental average daily balance

• Get a cash credit of S$35 upon FX conversion with Worldwide Transfer and a successful online overseas telegraphic transfer transaction in foreign currency of a minimum amount of S$10,000 (or foreign currency equivalent)

• Enjoy a free one-month premium offer on any new regular premium life insurance plan.

Do note that this Promotion is only limited to the first 800 Eligible Customers who successfully sign up for a new HSBC Advance relationship with the Bank during the Promotional Period.

To qualify for the Welcome Reward of $70 direct cash credit, an Eligible Customer must satisfy the following criteria:

Enrol in HSBC Advance through :-

(a) (i) Total Relationship Balance ("TRB") eligibility criteria by placing a minimum of S$30,000 in deposits and/or purchase investments and/or insurance (cash / surrender value) with the Bank using fresh funds during the Promotional Period, which must be maintained with the Bank for at least 90 consecutive days from the date such funds are fully deposited; OR

(ii) salary crediting of at least S$3,750 every month for at least 2 consecutive months; OR

(iii) reoccurring deposit of at least S$2,500 every month for at least 2 consecutive months;

AND

(b) sign up for Personal Internet Banking.

HSBC Advance Visa Platinum Credit Card
Sign Up Gift - S$80 Cash Rebate
This Promotion is only applicable to new applicants of HSBC's Advance Visa Platinum credit card who submit Card applications during the Promotional period.

To be eligible for the $80 Cash Rebate, a minimum of one Qualifying Transaction must be charged to the newly issued Card within one month of issuance of the Card approved under this Promotion.

HSBC Advance is a tier of preferred banking below HSBC Premier banking and is targeted at middle-income bank customers and those with potential to become priority banking customers later on.

This Promotion is valid from 02 January 2015 to 31 March 2015

Please refer to the website for more details.

DBS Multiplier Top-up Promotion - Enjoy up to 3.96% Interest p.a.

Enjoy up to 2.08% p.a. on the first $50,000 of your savings in the DBS Multiplier Account, just based on your regular banking with us.

Additionally, enjoy 1.88% p.a. for 3 months when you top up your DBS Multiplier Account with fresh funds of S$1,000 to S$3,000,000. How to qualify:

1. Register your DBS Multiplier Account by 28 February 2015. Your existing account type will be “DBS Multi-Currency Autosave”, please ensure you fill in your Multiplier Account number.
2. Complete a one-time top-up by 28 February 2015.
3. Maintain top-up amount for 3 months.

So, new account holders can enjoy up to 3.96% p.a. on the first S$50,000 of your savings with DBS and up to 1.88% p.a. on new funds exceeding S$50,000 for 3 months. For existing account holders, however, you will only get to enjoy the 1.88% p.a. on the new funds exceeding S$50,000 for 3 months if you already have S$50,000 in your account before the start of the promotion.

That is still pretty good in the market right now. It is also probably better to keep your funds locked up in shorter tenures as opposed to longer tenures as interest rates are expected to go up. DBS is moving aggressively to attract deposits in a rising interest rate environment as the SOR (Swap Offer Rate) and SIBOR (Singapore Interbank Offered Rate) increases to maintain its market share. We can probably expect more promotions to come in the near future.

Please refer to the website for details and to register for the promotion.

Please also refer to our previous post here on the DBS Multiplier Account.

HSBC Premier Banking Promotion

From now until 30 June 2015, start your banking relationship with HSBC and be rewarded with one night stay at Capella Singapore.

Eligible customers	Requirements	Welcome rewards#
New HSBC Premier customer	Minimum fresh funds and incremental Total Relationship Balance of S$200,000	One night stay at Capella Singapore's Premier Garden Room (worth S$1,100).
	Minimum fresh funds and incremental Total Relationship Balance of S$1,200,000	One night stay at Capella Singapore's One Bedroom Garden Villa with breakfast for 2 persons + S$150 Dining Credits + S$150 Spa credits (worth S$2,200).

Preferential rates of up to 1.28% p.a.^{+^} on your savings when you top up your HSBC Premier SGD account.
Receive preferential interest rate on the fresh funds placed into your HSBC Premier account. Enjoy up to 1.28% p.a. for up to 3 months on your incremental average daily balance.

Eligibility	Top-up Amount (SGD) in fresh funds	Preferential Interest Rate+^
New+ and existing^ HSBC Premier customers.	S$1 to S$5,000,000	Up to 1.28% p.a.

Wealth Rewards

Eligibility	Requirements	Wealth Rewards
New and existing HSBC Premier customers	Minimum S$100,000 (or foreign currency equivalent) within any calendar month during the promotional period in any of the following eligible products: Unit Trust, Structured Products, Fixed Income, Insurance (Regular or Single premium policy).	Receive S$100 cash credit** with a minimum investment amount of S$100,000 (capped at S$1,500 for amount of S$1,500,000 maximum lump sum investment across full promotional period).
		Plus for any Protection or wealth need fulfilled, enjoy free one-month premium## on any new regular premium life insurance plan.

** Till 31 March 2015 and completed Goal Planning Report
## The free one month premium offer is valid till 31 March 2015

Please refer to the website for more details.

Standard Chartered 6-Month and 12-Month SGD Time Deposit CNY Promotion

Usher in the Year of the Goat with auspicious gifts of gold from Standard Chartered Bank. These are  the highest interest rates offered by Singapore banks for a 6 Months SGD Time Deposit.

SGD Time Deposit
Offers	Qualifying Transactions
1.40% p.a. interest for 6-month†	Deposit a minimum of S$25,000
1.35% p.a. interest for 12-month#
1.40% p.a. interest for 6-month†	Deposit a minimum of S$128,000
1.35% p.a. interest for 12-month#
+
A choice of two 24K Gold-Plated Year of the Goat Medallion Coins OR a Coin Set

+ The 6 Months SGD Time Deposit Promotion runs from 7 to 28 February 2015.
# The 12 Months SGD Time Deposit Promotion runs from 23 to 28 February 2015.

Please refer to the website for more details.

Sing Investments Lunar New Year & 50th Anniversary Fixed Deposit Promotion

Sing Investments is now offering attractive interest rates on its 1-year and 2-year fixed deposits and giving out abalone and razor clams to sweeten the deal this Lunar New Year.

  

Placement Amount	Fixed Deposit Interest Rate
	1-Year	2-Year
S$28,000 to $67,999	1.28% p.a. + Gift Set A *	1.38% p.a. + Gift Set C *
S$68,000 and above	1.38% p.a. + Gift Set B *	1.48% p.a. + Gift Set D *

* Notes :

Gift Set A : 1 Can NZ Abalone + 1 Can Razor Clams

Gift Set B : 1 Can Australia Abalone + 1 Can Razor Clams

Gift Set A : 2 Cans NZ Abalone

Gift Set A : 2 Cans Australia Abalone

 

Please refer to the website for more details.

Bank of China (BOC) RMB Time Deposit Promotion

Enjoy promotional interest rates and receive free gifts with RMB Time Deposits with Bank of China. Limited to fresh funds of RMB 3,000 and above only.

Deposit Amount	Promotional Interest Rates - % p.a.
(RMB)	3-Month	6-Month	9-Month
3,000 and above	3.00%	3.20%	3.30%

Deposit Amount	Promotional Interest Rates for	Free Gift
(RMB)	12-Month Tenor - % p.a.
3,000 to 49,999	3.50%	A Limited Edition Plush Panda
50,000 to 1,999,999		A Travel Adaptor
2,000,000 and above		S$50 Takashimaya Shopping Voucher

Promotion runs from 20 January 2015 for a limited time period only.

Please refer to the website for more details.

Point to note is that Bank of China is offering higher interest rates for RMB time deposits than Industrial and Commercial Bank of China (ICBC) Bank in this promotion.

Bank of China (BOC) Lunar New Year SGD Time Deposit Promotion

Usher in the Lunar New Year with high promotional rates plus attractive shopping vouchers with Bank of China's SGD Time Deposits of S$50,000 and above.

Deposit Amount (SGD)	Tenor	Promotional Rates	Promotional Gifts
		(p.a.)
$50,000 to $199,999	9-month	1.38%	-
	12-month	1.38%	S$50 Shopping Voucher
	36-month	1.43%	S$400 Shopping Voucher
$200,000 and above	9-month	1.39%	-
	12-month	1.39%	S$300 Shopping Voucher
	36-month	1.45%	S$1,600 Shopping Voucher

Promotion period is from 26 January 2015 for a limited time period only.

Please refer to the website for more details.