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You are now leaving the Standard Chartered Bank (Singapore) Limited (“SCBSL”) website to access a third party website ("Third Party Website").

SCBSL shall not be liable for the handling of any information you may provide on the Third Party Website, or for any loss incurred in connection with your access to or use of the Third Party Website. SCBSL makes no warranties, representations or undertakings about the Third Party Website.

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  1. Accounts & Deposits
  2. Current Accounts
  3. Bonus$aver

Bonus$aver Account

Earn our highest interest rate of up to 3.00% p.a.

Bonus$aver Account Benefits1??  
  • bonus interest p.a

  • bonus interest on the first S$80K eligible balance

  • feature to access 14 currencies with $0 overseas transaction fees* and?more

1 Bonus$aver Product Terms apply.

Important Notice: There will be changes to Bonus$aver effective 1 Oct 2020. Please refer here for more details.

Bonus$aver Calculator2

Increase your returns by earning higher interest from your deposits.

S$
Your estimated annual interest2
Please enter a minimum amount of S$2,000

S$ @ % p.a.

Your estimated annual interest2

S$ @ % p.a.

More information
  • Spend

Select your estimated monthly card spending

Interest (p.a) earned

0.75%

(Inclusive of prevailing interest rate)

Your monthly Bonus$aver card spending

You will earn a prevailing interest rate of 0.05% p.a. on your entire deposit balance. In addition, you will earn bonus interest on the first S$80,000 of your deposit balance if you meet the minimum card spend as follows:

Criteria
Charge the Minimum Card Spend on eligible transactions to your Bonus$aver Cards
Minimum Card Spend
S$500
or equivalent in foreign currency of eligible Card Spend per calendar month based on transaction posting date
Bonus Interest Rate on the first S$80,000
0.25% p.a.
Total Interest Earned for Spend
(*inclusive of prevailing interest rate)
0.30%
Minimum Card Spend
S$2,000
or equivalent in foreign currency of eligible Card Spend per calendar month based on transaction posting date
Bonus Interest Rate on the first S$80,000
0.75% p.a.
Total Interest Earned for Spend
(*inclusive of prevailing interest rate)
0.80% p.a.
Bonus Interest Crediting Month
One month after card spend transaction month e.g. for card spending in January, bonus interest will be paid in February based on January’s Average Daily Balance
Bonus Interest Payment period
Payable monthly upon fulfillment of criteria and Minimum Card Spend

Certain transactions on your Bonus$aver Cards will not be regarded as eligible transactions. Please refer to Bonus$aver Product Terms for full T&Cs and list of exclusions

More information
  • Salary Credit

Would your monthly salary credit be S$3,000 or more?

No Yes
Interest (p.a) earned

0.40%

Salary Credit

Credit a minimum of S$3,000 monthly salary into your Bonus$aver account and earn additional 0.40% p.a. bonus interest on the deposit balance in your Bonus$aver account:

Criteria
Regular inward credit of your monthly salary of no less than S$3,000 nett into your Bonus$aver account by your employer through GIRO with Purpose Code “SALA”
Minimum Ticket Size
S$3,000
Bonus Interest Rate on the first S$80,000
0.40% p.a
Bonus Interest Crediting Month
One month after salary is credited
Bonus Interest Payment period
Payable monthly upon fulfillment of criteria and minimum ticket size

Please refer to Bonus$aver Product Terms for the full T&Cs that apply.

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  • Invest

Would you insure or invest in eligible products?

No Yes
Interest (p.a) earned

0.85%

Invest

Invest through us in an Eligible Unit Trust with a minimum subscription sum of S$30,000, to earn additional 0.85% p.a. bonus interest on the deposit balance in your Bonus$aver Account:

Criteria
Purchase an Eligible Unit Trust (defined below)
Minimum Ticket Size
S$30,000
S$30,000 minimum subscription sum for an Eligible Unit Trust
Bonus Interest Rate on the first S$80,000
0.85% p.a
Bonus Interest Crediting Month
For investment in Eligible Unit Trust: One month after investment settlement month
Bonus Interest Payment period
Bonus Interest will be paid for a consecutive period of 12 months.

Eligible Unit Trust means a Unit Trust made available through the Bank and which comprises (i) a minimum investment sum of S$30,000 (or its equivalent in another currency) in a single subscription, but does not include:

  • exchange traded funds;
  • investments via regular savings plans; and
  • switching transactions.

Disclaimer:

This document is being distributed for general information only and it does not constitute an offer, recommendation or solicitation of an offer to enter into a transaction or adopt any hedging, trading or investment strategy, nor does it constitute any prediction of likely future movements in rates or prices or any representation that any such future movements will not exceed those shown in any illustration.

It has not been prepared for any particular person or class of persons and it has been prepared without regards to the specific investment objectives, financial situation or particular needs of any person. You should seek advice from a financial adviser on the suitability of the product for you, taking into account these factors before making a commitment to purchase the product. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether this product is suitable for you.

You are fully responsible for your investment decision, including whether the product or service described here is suitable for you. The products / services involved are not principal-protected and you may lose all or part of your original investment amount. SCB will not accept any responsibility or liability of any kind, with respect to the accuracy or completeness of the information in this document. This document is for general evaluation only and has not been prepared to be suitable for any particular person or class of persons.

SCB makes no representation or warranty of any kind, express, implied or statutory regarding this document or any information contained or referred to on the document. This document is distributed on the express understanding that, whilst the information in it is believed to be reliable, it has not been independently verified by us.

Insurance: Buying an insurance policy is a long-term commitment. An early termination of the policy usually involves high cost and the surrender value payable may be less than the total premiums paid. The contents of this document do not constitute a contract of insurance and reference should be made to the respective policies for the exact terms and conditions applicable to the insurance policy. All insurance products described in this document are products of and underwritten by [Insurer] (Insurer) and not Standard Chartered Bank (Singapore) Limited (SCBSL). SCBSL shall not be liable in any manner whatsoever regarding your application or the contract of insurance.

Unit Trusts: You should read the relevant prospectus before deciding whether to invest in a unit trust. Investments in unit trusts are not obligations of, deposits in, or guaranteed by, Standard Chartered Bank (Singapore) Limited or its affiliates. An investment in unit trusts is subject to investment risks, including the possible loss of the principal amount invested. The value of and the income from the unit trusts may fall as well as rise.

For clarity, the above are not deposits and do not qualify insured deposits under the Singapore Deposit Insurance and Policy Ownersa€? Protection Schemes Act 2011.

More information
  • Insure

Would you insure or invest in eligible products?

No Yes
Interest (p.a) earned

0.85%

Insure

Purchase an Eligible Insurance Policy with a minimal annual premium of S$12,000 to earn additional 0.85% p.a. bonus interest on the deposit balance in your Bonus$aver Account:

Criteria
Purchase an Eligible Insurance Policy (defined below)
Minimum Premium
S$12,000
S$12,000 annual premium for an Eligible Insurance Policy
Bonus Interest Rate on the first S$80,000
0.85% p.a
Bonus Interest Crediting Month
For purchase of Eligible Insurance Policy: One month after purchase of policy
Bonus Interest Payment period
Bonus Interest will be paid for a consecutive period of 12 months.

Eligible Insurance Policy means a regular premium life insurance policy underwritten by Prudential Assurance Company Singapore (Pte) Ltd and distributed by the Bank and which:

  • names the Eligible Customer as the policy owner;
  • has a minimum annual premium of S$12,000;

Disclaimer:

This document is being distributed for general information only and it does not constitute an offer, recommendation or solicitation of an offer to enter into a transaction or adopt any hedging, trading or investment strategy, nor does it constitute any prediction of likely future movements in rates or prices or any representation that any such future movements will not exceed those shown in any illustration.

It has not been prepared for any particular person or class of persons and it has been prepared without regards to the specific investment objectives, financial situation or particular needs of any person. You should seek advice from a financial adviser on the suitability of the product for you, taking into account these factors before making a commitment to purchase the product. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether this product is suitable for you.

You are fully responsible for your investment decision, including whether the product or service described here is suitable for you. The products / services involved are not principal-protected and you may lose all or part of your original investment amount. SCB will not accept any responsibility or liability of any kind, with respect to the accuracy or completeness of the information in this document. This document is for general evaluation only and has not been prepared to be suitable for any particular person or class of persons.

SCB makes no representation or warranty of any kind, express, implied or statutory regarding this document or any information contained or referred to on the document. This document is distributed on the express understanding that, whilst the information in it is believed to be reliable, it has not been independently verified by us.

Insurance: Buying an insurance policy is a long-term commitment. An early termination of the policy usually involves high cost and the surrender value payable may be less than the total premiums paid. The contents of this document do not constitute a contract of insurance and reference should be made to the respective policies for the exact terms and conditions applicable to the insurance policy. All insurance products described in this document are products of and underwritten by [Insurer] (Insurer) and not Standard Chartered Bank (Singapore) Limited (SCBSL). SCBSL shall not be liable in any manner whatsoever regarding your application or the contract of insurance.

Unit Trusts: You should read the relevant prospectus before deciding whether to invest in a unit trust. Investments in unit trusts are not obligations of, deposits in, or guaranteed by, Standard Chartered Bank (Singapore) Limited or its affiliates. An investment in unit trusts is subject to investment risks, including the possible loss of the principal amount invested. The value of and the income from the unit trusts may fall as well as rise.

For clarity, the above are not deposits and do not qualify insured deposits under the Singapore Deposit Insurance and Policy Ownersa€? Protection Schemes Act 2011.

More information
  • Bill Payment

Would you make at least 3 bill payments online?

No Yes
Interest (p.a) earned

0.10%

Bill Payment

Make 3 eligible bill payments of at least S$50 each (in a calendar month) from your Bonus$aver account via GIRO or our Online Banking platform and earn additional 0.10% p.a. bonus interest on the deposit balance in your Bonus$aver account:

Criteria
Minimum 3 eligible bill payments (in a calendar month) from your Bonus$aver account via GIRO or our Online Banking platform
Minimum Ticket Size
S$50
per eligible bill payment
Bonus Interest Rate on the First S$80,000
0.10% p.a.
Bonus Interest Crediting Month
One month after eligible bill payment month
Bonus Interest Payment period
Payable monthly upon fulfillment of criteria and minimum ticket size

Please refer to Bonus$aver Product Terms for the full T&Cs that apply.

Bonusaver new banner

Get up to S$218 cashback? when you apply online now.

  • Learn more

    Sign-up Promotion

    1 August 2020 till 30 September 2020, get rewarded when you apply for a Bonus$aver account and Bonus$aver credit card. Bonus$aver Sign-up Promotion Terms and Conditions apply.

    Sign-up Gift Promotion

    S$188 + S$30 Cashback to card

    Online Exclusive

    • Open an account in less than 10 mins via MyInfo
    • Minimum fresh funds S$50,000
    Sign-up Gift Promotion

    S$188 Cashback to card

    Branch Exclusive

    • Visit any of our branches to open an account
    • Minimum fresh funds S$50,000

Additional benefits on your Bonus$aver account

Quick Application Process

Beat the queue and apply online. Enjoy an even simpler application process with MyInfo.

Banking Online or On The Go

Manage your money easily with our award-wining Online and Mobile Banking platform and get access to over 300 billing organisations. SC Mobile is available on the iPhone, iPad and Android mobile device.

Convenient Withdrawals

Withdraw your cash easily from our extensive network of ATMs plus get access to cash at over 1000 merchants, including 7-Eleven, with our mobile banking app.

Easy Account Management

Consolidated statement for easy account balancing.
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Application Eligibility

Age requirement:
  • For clients applying for Bonus$aver account and Bonus$aver Debit Card: Minimum 18 years old
  • For clients applying for Bonus$aver account and Bonus$aver Credit Card: 21 to 65 years old

For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

For New Customers or Existing Customers with Change(s) in Income/Employment

For SingPass holders applying with MyInfo

myinfo-logo
No documents are required

For Salaried Employees/Partial Commission-based Earners
  • Copy of NRIC (front and back)
  • (i) Latest computerised payslip OR
    (ii) Latest 6 months’ CPF Contribution History Statement

    To be considered for a higher loan amount, please submit your latest Income Tax Notice of Assessment (NOA) in addition to the above.

For 100% Commission-based Earners
  • Copy of NRIC (front and back)
  • (i) Latest Income Tax Notice of Assessment (NOA) OR
    (ii) Latest 3 months of Commission Statement from same employer
For Self-employed
  • Copy of NRIC (front and back)
  • Latest Income Tax Notice of Assessment (NOA)

Application Eligibility

Age requirement:
  • For clients applying for Bonus$aver account and Bonus$aver Debit Card: Minimum 18 years old
  • For clients applying for Bonus$aver account and Bonus$aver Credit Card: 21 to 65 years old

For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

For New Customers or Existing Customers with Change(s) in Income/Employment

For SingPass holders applying with MyInfo

myinfo-logo
No documents are required

Please prepare the following:
  • Copy of Passport (with at least 6 months’ validity)
  • Copy of your Employment Pass
  • Any ONE of the following documents:
    (i) Latest utility bill, rates or tax bill
    (ii) Latest bank / credit card statement (e-Statements are accepted)
    (iii) Rental agreement showing your address
    (iv) Latest mobile phone statement or pay-TV statement
    (v) Letter from employer stating current address
    (vi) Government-issued document stating current address (e.g. IRAS, CPF, ICA)
Additional Documents:
For Salaried Employees/Partial Commission-based Earners
  • Latest computerised payslip

    To be considered for a higher loan amount, please submit your latest Income Tax Notice of Assessment (NOA) in addition to the above.

For 100% Commission-based Earners
  • Copy of NRIC (front and back)
  • (i) Latest Income Tax Notice of Assessment (NOA) OR
    (ii) Latest 3 months of Commission Statement from same employer
For Self-employed
  • Latest Income Tax Notice of Assessment (NOA)
Services & Charges
Fall-below fee (per month)
S$5

Note: Chargeable if the minimum average daily balance falls below S$3,000 in any particular month.

Monthly service charge
Nil
Credit card annual fee (Including GST)
$214 (Free for first 2 years)
Debit card annual fee (Including GST)
$20
Cheque book charges
1st cheque book: Free. Subsequent cheque book(s): $15 each
Early Account Closure (within 6 months)
S$30
Refer here for all the relevant fees and charges

Bonus$aver comprises of a Bonus$aver account (which is an innovative Current Account that gives you one of the highest interest rate in town), and Bonus$aver World MasterCard credit and/or debit card(s) which may be linked to the Bonus$aver account.

Earn up to 3.00% p.a. interest on your savings for the first S$80,000 in your Bonus$aver account when you do any of the following:

  • Credit your salary through GIRO
  • Pay bills online/through GIRO
  • Spend on your Bonus$aver Credit or Debit Card
  • Invest with a Unit Trust
  • Insure with a regular premium insurance policy

The account comes with eStatements and you can choose to have a chequebook (chequebook facility is not available for Bonus$aver accounts opened through an online application).

Unlike other current and savings accounts, Bonus$aver is a unique account offering interest rates that are higher than any time deposit. You can earn up to 3.00% p.a. interest for up to S$80,000 deposit as you consolidate your spends, salary credit, bill payments and wealth needs with just a single account.

You can earn up to 3.00% p.a. interest on the first S$80,000 Average Daily Balance in your Bonus$aver account.

Your will receive 2 types of interest on your account balance every month.

Prevailing interest: 0.05% p.a.

You earn bonus interest on the first S$80,000 of your account average daily balance when you do any or all of these:

Bonus interest: This interest is accrued daily. You will receive this interest at the end of every month.

Earn 0.75% p.a. for spending at least S$2,000 in eligible transactions on your Bonus$aver Credit or Debit Card, or earn 0.25% p.a. for spending at least S$500 in eligible transactions on your Bonus$aver Credit or Debit Card and/or

Earn 0.40% p.a. for crediting your salary of at least S$3,000 through your employer via giro and/or

Earn 0.85% p.a. for 12 months when you purchase a new eligible unit trust investment and/or

Earn 0.85% p.a. for 12 months when you purchase a regular premium insurance product from SCB and/or

Earn 0.10% p.a. for paying any 3 unique bills online or through GIRO

You must be 21 years old and above to be eligible. For joint account applicants, both parties must be 21 years old and above.

Yes. The average daily balance eligible for bonus interest is subject to a cap of S$100,000 per Bonus$aver account. Any average daily balance amount in excess of the cap is not eligible for bonus interest (but the prevailing interest rates will apply).

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

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