DBS Multiplier Programme Savings Account


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Min. Deposit

Interest Rate
up to 2.68%

Review on DBS Multiplier Programme Savings Account

Potentially high interest rate
High 2.08% p.a. bonus interest for above $20,000 cashflow condition

Complicated system to earn bonus interest rates
Bonus interest rates subjected to cashflow and/or fulfilling 3 out of 5 financial transactions condition
Low 0.60% p.a. bonus interest for fulfilling 3 out of 5 financial transactions condition
Low 0.05% p.a. base interest rate


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No monthly account fees

Fall below fee of S$5 will be charged if average daily balance falls below S$10,000


Monthly Cashflow Interest
Below $7.5k 0.05% p.a.
$7.5k to <$10k 1.08% p.a.
$10k to <$12.5k 1.28% p.a.
$12.5k to <$15k 1.48% p.a.
$15k to <$20k 1.68% p.a.
$20k & above 2.08% p.a.

Earn higher interest on the first $50,000 in this account, with no lock-in period

Deposits in excess of $50,000 will earn interest according to the prevailing base interest rate for that month

Interest rates on your DBS Multiplier Account balances is based on your total cash flow from key income and expenses

Cash flow can be in the form of salary, credit card spending, home loan installment and investment dividends

Earn an extra 0.60% p.a. more to enjoy a higher interest of up to 2.68% p.a when you fulfill any 3 of the 5 transaction categories


The 5 categories include

Crediting your salary to any DBS/POSB deposit account

Spending with any DBS Credit Cards or POSB Credit Cards

Applying for DBS home loan packages or refinancing your home loan to DBS

Applying for any of the selected regular premium policies via DBS or POSB

Investing with DBS or POSB via unit trusts or DBS Vickers Online


Click here to go to DBS website for more details


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