SGT://BANK
MALAYSIA 2026-09-04 VERIFIED
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SAVINGS / DBS Bank

DBS Multiplier Account

DBS Bank · Singapore · Verified 4 Sept 2026

BASE RATE

0.05% p.a.

MAX RATE (ALL TIERS)

4.1% p.a.

BALANCE CAP

S$100,000 (bonus interest; S$50,000 cap for 1-category tier)

■ BONUS TIER REQUIREMENTS

Salary credit REQUIRED
Card spend REQUIRED
Bill payments (GIRO) NOT REQUIRED
Insurance / investments via bank REQUIRED
SDIC insured YES — S$100,000 per depositor per member bank
Minimum balance S$3,000 average daily balance (S$5/month fall-below fee, waived for customers 29 and below)
Monthly fee S$5 fall-below fee if ADB below S$3,000 (waived for ages 29 and below)

HOW THE RATE WORKS

Bonus interest up to 4.10% p.a. on first S$100,000. Rate depends on total monthly eligible transactions (income + card spend + home loan + insurance + investments) and number of categories: Income+1 category 1.80%-2.20% p.a. (first S$50,000); Income+2 categories 2.10%-3.00% p.a. (first S$100,000); Income+3+ categories 2.40%-4.10% p.a. (first S$100,000). Transaction tiers: S$500-S$15k, S$15k-S$30k, S$30k+. If criteria unmet, base interest only. Official page confirms base interest applies but does not print the numeric base rate; 0.05% p.a. corroborated by DBS official SGD deposit rates page (My Account 0.050%) and 2026 reviews.

SOURCE

https://www.dbs.com.sg/personal/deposits/bank-earn/multiplier

DBS official Multiplier product page (examples + FAQ: bonus tiers 1.50%-4.10%, balance caps S$50k/S$100k, eligible categories) + dbs.com.sg/personal/rates-online/multiplier-account.page (up to 4.10% p.a. on first S$100,000) + dbs.com.sg/personal/rates-online/deposit-rates.page (My Account 0.050% p.a.)

Verified 4 Sept 2026. Rates change — always confirm on the official site.