Best Easy-Access Savings Accounts in Asia Likely to Stay Competitive (November 2025)
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This is for informational purposes only, not investment advice.
In Asia’s rapidly evolving banking landscape, easy-access savings accounts remain vital. They provide savers with flexibility without requiring them to lock in their money. As of November 2025, several Singapore-based accounts stand out for their attractive rates. They are well-placed to remain competitive if current macroeconomic conditions continue. Here are some of the top names to watch:
1. Standard Chartered Bonus$aver (Singapore)
Standard Chartered’s Bonus$aver account is one of the most eye-catching in Singapore right now. According to MoneySmart, it offers up to 8.05% p.a. on the first S$100,000. This is a very high effective rate. However, to hit the top rate you must meet multiple “bonus” criteria. blog.moneysmart.sg growbeansprout.com
- Why it’s compelling: The headline rate is historical for the bank. Its structure rewards a strong relationship with salary credit, card spend, investments, and insurance. blog.moneysmart.sg growbeansprout.com
- Risks / sustainability: Such high bonus rates depend on fulfilling quite a few conditions. If market conditions change (or if customer behaviour weakens), the bank could tighten or reduce the bonuses.
2. Citi Wealth First Account (Singapore)
Citi’s Wealth First Account is another standout, offering up to 7.51% p.a. when you trigger all bonus categories. citibank.com.sg asiaone.com
- How it works: A base interest rate is very low (0.01%) but you can earn bonus interest via spending, investing, insuring, borrowing, and incremental saving. moneysmart
- Why it might stay competitive: This account is clearly designed for customers who maintain a strong “relationship” with Citi. If Citi continues to push for wealth-client engagement, this could remain a key tool.
- Considerations: It’s less “simple savings” and more of a relationship-structured account. To get the very top rate, you need significant monthly activity (or assets).
3. OCBC 360 Account
The OCBC 360 is a classic “bonus-tiered” savings account, and remains among the higher-yielding easy-access options in Singapore. According to Growbeansprout, you can earn up to 5.45% p.a. on the first S$100,000 when combining activities like salary credit, spending, insurance or investments. growbeansprout.com moneysmart
- Why it’s compelling: It’s well-trusted, has straightforward bonus categories, and has seen consistent usage.
- Risks / sustainability: The bonus is tied to account activity. If customers reduce their card spend or investments, the effective rate could drop.
4. Bank of China SmartSaver (Singapore)
The Bank of China (BOC) SmartSaver is another contender. MoneySmart reports that it can offer up to 4.60% p.a. under its bonus structure. blog.moneysmart.sg
- Why it’s compelling: It’s more accessible in some ways. There are fewer or more flexible conditions compared with star-tier relationship accounts. This makes it appealing for moderate savers who nevertheless want above-average returns.
- Outlook: If BOC continues to lean into deposit-gathering via these bonus accounts, SmartSaver could remain stable. However, its bonus structure means rates may be more volatile than fixed-rate accounts.
5. Maybank iSAVvy / iSAVvy Savings Accounts
While not offering the ultra-high rates of Bonus$aver or Wealth First, Maybank’s iSAVvy Savings Account provides a reliable, no-lock-in option. As of 1 November 2025, the interest/hibah rates were adjusted: for balances of S$50,000 and above, the rate is 1.00% p.a.. maybank2u.com.sg maybank2u.com.sg
- Why it’s still relevant: For savers who prioritize simplicity and guaranteed liquidity, Maybank’s iSAVvy is a stable, low-risk choice.
- Risk / sustainability: The rate is more modest. It’s less likely to drop sharply in relative terms. It also offers less upside in a rising-rate environment.
Why These Accounts Are Likely to Stay
Competitive (for Now)
- Macroeconomic Stability in Singapore
Singapore’s central bank, the Monetary Authority of Singapore (MAS), recently kept its monetary policy steady. Reuters A stable macro environment supports steady deposit-gathering rather than sudden hikes or cuts. - Digital & Relationship-Driven Models
Many of these high-rate accounts rely on modern, digital banking relationships (card spend, insurance, investments) rather than traditional branch-heavy deposit models. This allows banks to sustain higher “bonus” yields in a cost-efficient way. - Competition for Deposits
Banks in Singapore are clearly competing aggressively for savings deposits. Offering generous bonus interest is one of their tools – and in a relatively stable deposit market, this battle is likely to continue. - Client Segmentation
These accounts are not “for everyone”: many reward high-engagement or wealth clients. That segmentation helps banks manage risk (only pay high rates to clients who generate value for them) – increasing the likelihood they will maintain the offers for target segments.
Risks & What to Watch Out For
- Bonus Conditions: Many of the top rates are not base rates. If you don’t meet all the qualifying criteria (spend, invest, save, etc.), your rate may be substantially lower.
- Rate Reversion: If macro conditions shift (e.g., liquidity tightens), banks could dial down the bonus rates.
- Balance Caps: The highest rates often apply only up to a certain balance (for example, the first S$100,000 for Bonus$aver). Large cash balances above that may earn much less.
- Relationship Requirements: For accounts like Citi Wealth First, maintaining the qualifying activities could require significant effort or cash flow.
Conclusion
As of November 2025, the Standard Chartered Bonus$aver, Citi Wealth First, OCBC 360, Bank of China SmartSaver, and Maybank iSAVvy accounts stand out in Singapore as some of the best easy-access savings accounts – balancing strong interest rates with flexibility.
- For maximum yield (but with conditions): Standard Chartered Bonus$aver and Citi Wealth First are the top contenders.
- For a good rate with moderate conditions: OCBC 360 or SmartSaver are very competitive.
- For liquidity and simplicity: Maybank’s iSAVvy is a solid, low-risk choice.
If you’re saving in Singapore (or another major Asian banking hub with similar dynamics), these accounts are among the most likely to remain attractive in the near future – assuming current macro trends continue.
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