Standard Chartered Bonus$aver Account
Standard Chartered · Project your annual interest at your balance, salary credit, and card spend.
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Overview
As of 12 June 2026, the Standard Chartered Bonus$aver Account projects up to 1.85% p.a. by stacking each qualifying category's own rate on the first S$100,000. The Salary credit and Card spend bonuses are the ones the projection credits, and they are independent of each other, so partial qualification still earns whatever was met. The Investment and Insurance bonuses are left out because they lapse after 6 months.
| Balance slice | Rate | Interest / yr |
|---|---|---|
| Whole balance· base rate | 0.05% | S$25 |
| Card spend · First S$100,000 | 0.90% | S$450 |
How the interest is structured
Bonus interest by balance band and qualifying activity, on the first S$100,000. Balance above the cap earns the 0.05% base rate.
- Salary credit+0.90% p.a.
- Card spend+0.90% p.a.
- Investment· Promotional, 6 months+1.50% p.a.
- Insurance· Promotional, 6 months+2.50% p.a.
Bonus requirements
- check_circleSalary creditSalary credit ≥ S$3,000/month (GIRO/PayNow/FAST, ref “SALA”) — 0.90% p.a. on first S$100,000.
- check_circleCard spendCard spend ≥ S$1,000/month on the Bonus$aver World Mastercard — 0.90% p.a. on first S$100,000.
- check_circleInvestmentInvestment ≥ S$30,000 in an eligible unit trust or online equities — 1.50% p.a. for 6 months. Promotional: disclosed but not added to the projection.
- check_circleInsuranceEligible insurance policy with annual premium ≥ S$24,000 — 2.50% p.a. for 6 months. Promotional: disclosed but not added to the projection.
Effective 12 June 2026. Base interest 0.05% p.a. on the whole balance; bonus interest on the first S$100,000. Published maximum 5.85% p.a. when all categories are met. The calculator credits the perpetual Salary (0.90%) and Card spend (0.90%) bonuses; the promotional 6-month Invest (1.50%) and Insure (2.50%) bonuses are disclosed but not included in the projection.
Fees & charges
No annual fee. The conditional fees below are disclosed for transparency and never affect the projected interest.
- Fall-below fee (per month)
- S$5 if the average daily balance is below S$3,000
- Early account closure fee
- S$30 within 6 months of account opening
Frequently asked questions
How does bonus interest work on the Standard Chartered Bonus$aver Account?
Bonus interest on the Standard Chartered Bonus$aver Account is stacked rather than stepped: the Salary credit and Card spend bonuses each add a rate of their own to the same first S$100,000, on top of the 0.05% p.a. base rate that the whole balance earns regardless. Nothing gates anything else, so meeting one category still pays that category's rate. Every credited rate is flat across the tranche rather than banded by balance, so where the money sits below the cap makes no difference to the rate. What moves it is whether the qualifying thresholds are cleared: a salary credit of S$3,000/month and card spend of S$1,000/month.
What are the bonus interest requirements on the Standard Chartered Bonus$aver Account?
Each requirement on the Standard Chartered Bonus$aver Account stands on its own, and each one met adds its own rate: • Salary credit ≥ S$3,000/month (GIRO/PayNow/FAST, ref “SALA”) — 0.90% p.a. on first S$100,000. • Card spend ≥ S$1,000/month on the Bonus$aver World Mastercard — 0.90% p.a. on first S$100,000. • Investment ≥ S$30,000 in an eligible unit trust or online equities — 1.50% p.a. for 6 months. Promotional: disclosed but not added to the projection. • Eligible insurance policy with annual premium ≥ S$24,000 — 2.50% p.a. for 6 months. Promotional: disclosed but not added to the projection.
What balance earns bonus interest on the Standard Chartered Bonus$aver Account?
The first S$100,000 carries every credited category at a flat rate, so a balance anywhere inside it earns the same rate and only the balance beyond S$100,000 drops to base. Meeting more categories raises the rate on that tranche; it never widens the tranche.
What does it take to earn the most on the Standard Chartered Bonus$aver Account?
The projected ceiling of 1.85% p.a. on the Standard Chartered Bonus$aver Account assumes salary credit ≥ S$3,000/month and card spend ≥ S$1,000/month, held every month, on a balance at the tranche. Since every credited rate is flat across the tranche, the ceiling is reached by clearing the qualifying thresholds, not by topping the balance up towards a higher band. A balance below the tranche earns the same rate on every dollar it does hold. Missing a category in a given month costs only that category's rate for that month; the ones still met are unaffected.
How is the effective interest rate on the Standard Chartered Bonus$aver Account calculated?
The 0.05% p.a. base rate is applied to the whole balance first, then every qualifying category adds its rate on the slice of balance its own table covers, and the total is divided by the balance. Because all the credited rates are flat, the arithmetic collapses to a simple sum: the effective rate on any balance inside the tranche is the base rate plus the rates of the categories met, with nothing depending on where the balance sits. The Investment and Insurance bonuses sit outside this calculation: they are paid for 6 months and then stop, so counting them would overstate a rate held year after year.
Does the Standard Chartered Bonus$aver Account have a minimum balance or fees?
The Standard Chartered Bonus$aver Account can be opened with no minimum initial deposit. A fall-below fee of S$5 a month applies if the average daily balance is below S$3,000, and closing the account within 6 months of account opening costs S$30.
Are the Standard Chartered Bonus$aver Account interest rates guaranteed?
No. Banks revise savings rates and qualifying rules regularly. Some of the rates quoted here are time-limited by design: the Investment and Insurance bonuses run for 6 months and then lapse, whether or not the account's other rates change. The figures on this page reflect Standard Chartered's published rates as of 12 June 2026 and are worth confirming on the issuer's own page before acting on them. This is information, not financial advice.
Last verified: 12 June 2026
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View cardCalculator limitations
- Your deposit balance is held constant for the full year.
- Every bonus requirement you select is assumed to qualify in each month.
- Bonus-interest caps reset monthly under each issuer’s own policy.
- Base and bonus rates are as of each account’s “Rates as of” date.
- No fall-below, early-closure, or account fees are modelled.
- A salary credit is counted only if it meets the issuer’s own GIRO / PayNow salary definition; a GIRO toggle assumes the issuer’s required number of GIRO transactions is met.
- Banks revise savings-account interest rates frequently.
- Promotional bonus rates expire and are not projected beyond their term.
- Category definitions and qualifying-transaction rules change over time.
- Interest compounding, crediting frequency, and rounding follow each issuer.
This output is an estimate generated from the inputs you entered. It is a projection, not a promise of returns. Figures may differ from what an issuer pays. Confirm current terms on each bank’s official page before acting on them.
See the SG Rates reference for sourced, date-stamped savings, SORA, and fixed-deposit figures.
Data last refreshedJune 2026
Standard Chartered governing terms: Official terms