Latest bank Interest Rates

Have you lost track of the recent announcements from banks about interest rate changes? Don't worry! Here's a brief overview and advice on where to put your money.

These are the recently updated rates effective October 2025.

So what if I'm super cash rich and have more than 150k savings?

Simple answer - Just look at the tables above and choose the next best option. i.e. (400k of savings should go into 150k (UOB One), 100k (OCBC 360), 100k (UOB Stash), 50k (GXS))

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Want the breakdown? Here's OCBC rates:

Here are the new rates published from their website notice which will take effect on 1 August 2025:

Photo credit: OCBC website

There are no changes to the "Insure" and "Invest" categories (which are the more cumbersome ones to achieve anyway).The main three categories have noticeable drops in rates:

1. Salary (crediting at least $1,800)

2. Save (increase the monthly average balance MAB) by $500)

3. Spend (spending at least $500 on selected credit cards - I use OCBC Rewards & OCBC 90N)

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What does this means to the actual "achieveable" rates then?

If you have 100k, the rates drops from 3.25% to 2.40%, excluding the base interest of 0.05%.

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Here's UOB Stash rates:

It's quite easy to grasp. The basic guideline? Keep raising your Monthly Average Balance (MAB), even if it's just by $1, to qualify for the bonus interest.

Photo credit: UOB Stash website

Here's UOB ONE rates effective 1st September 2025:

Just 2 things to do: (1) Credit salary of $1600 to your account. (2) Spend $500 on your UOB One / Lady's card

Photo credit: UOB ONE website

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It's becoming increasingly challenging to maximize your money while it's in the bank. However, if you prefer to avoid risk and aren't inclined to invest in the bullish stock market, I hope this post simplifies things for you.

p.s. info updated as of 7 October 2025