# High Interest Savings Account Calculator: OCBC 360, UOB One, DBS Multiplier

Compare interest on OCBC 360, UOB One, DBS Multiplier and Standard Chartered Bonus$aver for your balance, salary and card spend, from each bank's current rate table.

Interactive tool: https://lookup.sg/tools/savings-account-interest-calculator

## How this works
Each account is worked out from the bank's own rate table, checked on 10 October 2026, assuming your balance stays the same for 12 months. You enter your balance, the salary you would credit and your monthly card spend; the calculator applies each bank's criteria and balance tiers and ranks the four accounts by interest for your situation. It is neutral: there are no affiliate links and no bank pays to be listed.

OCBC 360 pays 0.05% base on the whole balance plus bonuses on the first S$100,000: Salary (S$1,800 a month) 1.00% on the first S$75,000 and 2.00% on the next S$25,000; Save (balance up S$500 a month) 0.40%, raised to 0.50% / 1.10% from 1 August to 31 December 2026; Spend (S$500 on selected OCBC cards) 0.25%; Insure and Invest 1.00% / 2.00% each; Grow (S$250,000 balance) 1.20%.

UOB One (revised 1 December 2025) needs S$500 a month on an eligible UOB card. With card spend only, the first S$75,000 earns 0.65%. Adding 3 GIRO debits pays 1.00% on the first S$75,000 and 2.00% on the next S$50,000. Adding a salary credit of at least S$1,600 pays 1.00%, 2.50% on the next S$50,000 and 3.40% on the next S$25,000. Balances above the tiers earn 0.05%.

DBS Multiplier pays one total rate set by your income plus eligible transactions and the number of categories (Spend, Insurance, Investments, Home Loan): with income and 1 category, 1.8% / 1.9% / 2.2% on the first S$50,000 at S$500 / S$15,000 / S$30,000 of monthly transactions; 2 categories 2.1% / 2.2% / 3.0% and 3 or more 2.4% / 2.5% / 4.1% on the first S$100,000. Those aged 18 to 29 earn 1.5% on the first S$50,000 for any card or PayLah! spend without income. Standard Chartered Bonus$aver pays 0.05% base plus, on the first S$100,000, 0.90% for a S$3,000 salary, 0.90% for S$1,000 of card spend, and 2.50% (Insure) or 1.50% (Invest) for 6 months after a qualifying purchase.

## FAQs
### Which savings account pays the most interest in Singapore?
It depends on your balance and what you can do. With S$80,000, a S$5,000 salary, S$1,000 of card spend and a growing balance, OCBC 360 earns S$1,520 a year, SC Bonus$aver S$1,480, DBS Multiplier S$915 and UOB One S$875. With S$150,000, a salary and S$500 of spend, UOB One leads at S$2,850 (1.90%).

### How much interest does OCBC 360 pay on S$100,000?
Crediting a S$1,800 salary and spending S$500 on an OCBC card earns S$1,550 a year (1.55%) on S$100,000. Growing the balance by S$500 a month as well adds the Save bonus: S$1,950 a year (1.95%) at the standard 0.40%, or S$2,200 (2.20%) during the limited-time rate to 31 December 2026.

### What is the UOB One interest rate?
Since 1 December 2025, with S$500 of card spend and a S$1,600 salary credit, UOB One pays 1.00% on the first S$75,000, 2.50% on the next S$50,000 and 3.40% on the next S$25,000: S$2,850 a year on S$150,000, an effective 1.90%. With card spend only, it is 0.65% on the first S$75,000.

### How is DBS Multiplier interest calculated?
DBS adds up your income and eligible transactions for the month and counts your categories. A S$5,000 salary with S$500 of card spend is S$5,500 in 1 category, so 1.8% on the first S$50,000: S$925 a year on S$100,000 including base interest. A second category raises the rate to 2.1% and the cap to S$100,000.

### How often do these rates change?
Often. UOB last revised the One Account on 1 December 2025, and OCBC's 360 Save bonus is on a limited-time rate until 31 December 2026, after which OCBC's maximum on the first S$100,000 is 4.45%. Check the bank's page before switching; the figures here were last checked on 10 October 2026.

## Sources
- [OCBC: 360 Account interest rates](https://www.ocbc.com/personal-banking/deposits/360-savings-account)
- [UOB: One Account interest rates](https://www.uob.com.sg/personal/save/everyday-accounts/one-account.page)
- [DBS: Multiplier Account](https://www.dbs.com.sg/personal/deposits/bank-earn/multiplier)
- [Standard Chartered: Bonus$aver](https://www.sc.com/sg/save/current-accounts/bonussaver/)
- [SDIC: Deposit Insurance Scheme coverage](https://www.sdic.org.sg/)

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Source: Lookup (https://lookup.sg) · Data as of October 2026 · Listings compiled from Singapore government open data (data.gov.sg), OneMap and Overture Maps places. Free listings never show contact details; contact details appear only on Lookup Verified listings.