How your interest builds
Accelerate your wealth towards maximum return
Maximise your Wealth $aver interest across three components — Relationship-based interest rate, Wealth Booster Promotion (new investment/ insurance purchase) and Top-Up Promotion
SGD deposit: Up to
2.80% p.a.
Capped at S$2 million deposit balance
USD deposit: Up to
4.00% p.a. New
Capped at US$2 million deposit balance
Calculate your monthly interest earning
Enter your estimated Average Daily Balance:
S$
Priority Banking Relationship-based interest rate
Wealth $aver Account interest rate - SGD
The interest rate for your Wealth $aver account balances denominated in Singapore Dollar is determined your total assets managed by the Bank, which is known as Assets Under Management (AUM)
AUM is defined as the sum of your:
- Total deposits placed with the bank, including Time Deposits,
- Total value of eligible investment products with the bank, and
- Total premiums paid to date on eligible in-force insurance products purchased through the bank.
The following interest rate will apply if your relationship status is Priority Banking and above based on your corresponding AUM threshold for each month:
| Asset Under Management “AUM” (SGD) | Interest rate (p.a.) | Maximum deposit balances (SGD) |
|---|---|---|
| < S$200,000 | 0.05% | No cap |
| S$200,000 to <S$1,500,000 | 0.40% | Up to the first S$2,000,000. (Amount exceeding S$2,000,000 will earn 0.05% p.a.) |
| ≥S$1,500,000 | 0.80% |
Important Notes:
- You will only earn 0.05% p.a. on your Wealth $aver account balance if you are not a Priority Banking or Priority Private client. It may take up to 7 working days to process your Priority Banking or Priority Private sign up request after fulfilling the eligibility criteria.
- Other than your USD deposit balance, you will not earn interest on your foreign currency denominated balances.
Select the Assets Under Management (AUM) tier that you have with us. AUM includes total deposit balance, investment and insurance with the bank.
Your Priority Banking Relationship-based interest rate
0.05*
p.a. interest
Wealth Booster Promotion
Wealth Booster Promotion
Here’s how to unlock additional Bonus Interest:
| Wealth Promotion Requirements | Promotional Bonus Interest Rate | Promotional Bonus Interest Period | Promotional Bonus Interest Crediting Month |
|---|---|---|---|
Insure
Purchase, through us, and be issued Eligible Insurance Policy(ies) with a Total Annual Premium of at least S$24,000 within a calendar month during the Promotion Period
OR
Invest
Subscribe through us within a calendar month during the Promotion Period, and settle trade(s), for Eligible Unit Trust(s), Bonds and Structured Notes with a Total Subscription Amount of at least S$200,000 | New-to-deposit: 1.00% for 6 months
Existing-to-deposit: 0.50% for 6 months | 6 months starting from the month of (as the case may be):
Inception of the Eligible Insurance Policy(ies)
OR
Investment subscription month
(E.g. if the Eligible Insurance Policy(ies) is/ are incepted or if the subscription(s) of the Eligible Unit Trust(s) is in Aug’26, you will earn Promotional Bonus Interest on your ADB from Aug’26 to Jan’27) | 1 month after the calendar month eligible for Promotional Bonus Interest
(E.g. if you are eligible for Promotional Bonus Interest in Aug’26, such Promotional Bonus Interest for Aug’26 will only be credited in Sep’26) |
Who would be considered as a New-to-deposit client?
You are applying for the Wealth $aver account for the first time during the Promotion Period and you do not hold an existing Standard Chartered current/cheque account(s) and/or savings account(s) at the date of Wealth $aver account opening. You must also complete your Investment/Insurance purchased by your Wealth $aver account opening month + following one (1) calendar month. For example, if your Wealth $aver account opened in Aug’26, client must make new purchase of new Insurance/Investment by 30 Sep’26
What are considered Eligible Investments Products under the Wealth Booster Promotion?
The following are considered as Eligible Investments Products:
- Eligible Unit Trust – a unit trust distributed by us but does not include (a) exchange traded funds; and (b) switching transactions.
- Eligible Bonds – successful subscription of bonds issued and/or distributed by the Bank.
- Eligible Structured Notes – successful subscription of structured notes issued and/or distributed by the Bank, excluding Premium Currency Investments and Commodity Linked Structured Investment.
What are considered Eligible Insurance Policy(ies) under the Wealth Booster Promotion?
- Regular premium life insurance policy(ies)
- single premium life insurance policy(ies)
underwritten by Prudential Assurance Company Singapore (Pte) Limited (with the exception of PRUShield and single premium life insurance policy purchased using SRS funds)
Earn bonus interest for 6 months when you invest (min. S$ 200K) or insure (min. S$ 24K) in one of the eligible products within a calendar month.^
I am a New-To-Deposits client
I am keen to invest or insure in eligible products
Unlock bonus interest if you maintain at least S$200K AUM
Your bonus interest rate
1.00%*
p.a. interest
Top-Up Promotion
SGD Top-Up Promotion – Earn up to 1.00% p.a. bonus interest on your SGD fresh funds
- Register for the promotion
- Top-up fresh funds by 31 Aug’26
- Top-up S$1mil: 1.00% p.a. bonus interest
- Top-up S$200K: 0.50% p.a. bonus interest
- Maintain at least S$200K fresh funds till 31 Oct’26.
Top-up fresh fund and hold for 3 months - Register now
(Note: Interest payout is on incremental balance as compared to your previous month end balance in your account. The calculator assumes previous month end balance as 0)
Unlock bonus interest if you maintain at least S$200K AUM
Your bonus interest rate
0.0*
p.a. interest
*T&Cs apply. Indicated interest rates shall only be applicable to the 1st S$2,000,000 in the Account when corresponding AUM threshold is met and you have a Priority Banking or Priority Private relationship with us. For all amounts exceeding S$2,000,000 or if you do not meet all relevant criteria, your applicable interest rate shall be 0.05% p.a. Please note that it may take up to 7 working days to process your Priority Banking or Priority Private sign up request after fulfilling the eligibility criteria
Enter your estimated Average Daily Balance:
USD
Priority Banking Relationship-based interest rate
Wealth $aver Account interest rate - USD
The interest rate for your Wealth $aver account balances denominated in US Dollar is determined your total assets managed by the Bank, which is known as Assets Under Management (AUM)
AUM is defined as the sum of your:
- Total deposits placed with the bank, including Time Deposits,
- Total value of eligible investment products with the bank, and
- Total premiums paid to date on eligible in-force insurance products purchased through the bank.
The following interest rate will apply if your relationship status is Priority Banking and above based on your corresponding AUM threshold for each month:
| Asset Under Management “AUM” (S$) | Interest rate (p.a.) | Maximum deposit balances (US$) |
|---|---|---|
| <S$200,000 | 0.05% | No cap |
| S$200,000 to <US$1,500,000 | 1.00% | Up to the first US$2,000,000. (Amount exceeding US$2,000,000 will earn 0.05% p.a.) |
| ≥S$1,500,000 | 2.00% |
Important Notes:
- You will only earn 0.05% p.a. on your Wealth $aver account balance if you are not a Priority Banking or Priority Private client. It may take up to 7 working days to process your Priority Banking or Priority Private sign up request after fulfilling the eligibility criteria.
- Other than your USD deposit balance, you will not earn interest on your foreign currency denominated balances.
Select the Assets Under Management (AUM) tier that you have with us. AUM includes total deposit balance, investment and insurance with the bank.
Your Priority Banking Relationship-based interest rate
0.5*
p.a. interest
Wealth Booster Promotion
Wealth Booster Promotion
Here’s how to unlock additional Bonus Interest:
| Wealth Promotion Requirements | Promotional Bonus Interest Rate | Promotional Bonus Interest Period | Promotional Bonus Interest Crediting Month |
|---|---|---|---|
Insure
Purchase, through us, and be issued Eligible Insurance Policy(ies) with a Total Annual Premium of at least S$24,000 within a calendar month during the Promotion Period
OR
Invest
Subscribe through us within a calendar month during the Promotion Period, and settle trade(s), for Eligible Unit Trust(s), Bonds and Structured Notes with a Total Subscription Amount of at least S$200,000 | New-to-deposit: 1.00% for 6 months
Existing-to-deposit: 0.50% for 6 months | 6 months starting from the month of (as the case may be):
Inception of the Eligible Insurance Policy(ies)
OR
Investment subscription month
(E.g. if the Eligible Insurance Policy(ies) is/ are incepted or if the subscription(s) of the Eligible Unit Trust(s) is in Aug’26, you will earn Promotional Bonus Interest on your ADB from Aug’26 to Jan’27) | 1 month after the calendar month eligible for Promotional Bonus Interest
(E.g. if you are eligible for Promotional Bonus Interest in Aug’26, such Promotional Bonus Interest for Aug’26 will only be credited in Sep’26) |
Who would be considered as a New-to-deposit client?
You are applying for the Wealth $aver account for the first time during the Promotion Period and you do not hold an existing Standard Chartered current/cheque account(s) and/or savings account(s) at the date of Wealth $aver account opening. You must also complete your Investment/Insurance purchased by your Wealth $aver account opening month + following one (1) calendar month. For example, if your Wealth $aver account opened in Aug’26, client must make new purchase of new Insurance/Investment by 30 Sep’26
What are considered Eligible Investments Products under the Wealth Booster Promotion?
The following are considered as Eligible Investments Products:
- Eligible Unit Trust – a unit trust distributed by us but does not include (a) exchange traded funds; and (b) switching transactions.
- Eligible Bonds – successful subscription of bonds issued and/or distributed by the Bank.
- Eligible Structured Notes – successful subscription of structured notes issued and/or distributed by the Bank, excluding Premium Currency Investments and Commodity Linked Structured Investment.
What are considered Eligible Insurance Policy(ies) under the Wealth Booster Promotion?
- Regular premium life insurance policy(ies)
- single premium life insurance policy(ies)
underwritten by Prudential Assurance Company Singapore (Pte) Limited (with the exception of PRUShield and single premium life insurance policy purchased using SRS funds)
Earn bonus USD interest for 6 months when you invest (min. S$ 200K) or insure (min. S$ 24K) in eligible products within a calendar month.
I am a New-To-Deposits client
I am keen to invest or insure in eligible products
Unlock bonus interest if you maintain at least S$200K AUM
Your bonus interest rate
1.00%*
p.a. interest
USD Top-Up Promotion
USD Top-Up Promotion – Earn up to 1.00% p.a. bonus interest on your USD fresh funds
- Activate your USD multicurrency account (Find out how)
- Register for the promotion
- Top-up fresh funds by 31 Aug’26
- Top-up US$1mil: 1.00% p.a. bonus interest
- Top-up US$200K: 0.50% p.a. bonus interest
- Maintain at least US$200K fresh funds till 31 Oct’26.
Top-up fresh fund and hold for 3 months - Register now
(Note: Interest payout is on incremental balance as compared to your previous month end balance in your account. The calculator assumes previous month end balance as 0)
Unlock bonus interest if you maintain at least S$200K AUM
Your bonus interest rate
0.0*
p.a. interest
*T&Cs apply. Indicated interest rates shall only be applicable to the 1st US$2,000,000 in the Account when corresponding AUM threshold is met and you have a Priority Banking or Priority Private relationship with us. For all amounts exceeding US$2,000,000 or if you do not meet all relevant criteria, your applicable interest rate shall be 0.05% p.a. Please note that it may take up to 7 working days to process your Priority Banking or Priority Private sign up request after fulfilling the eligibility criteria
Register for Wealth $aver Top-Up Promotion by 31 August 2026
Don’t have an Wealth $aver account? Apply here
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FAQ
The Wealth $aver deposit account has wide ranging benefits that include:
- High interest rate of up to 2.80% p.a. capped at S$2,000,000 for your SGD deposit balance and 4.00% p.a. capped at US$2,000,000 for your USD deposit balance
- Unlimited 1% cashback benefit on both local + foreign currency Wealth $aver debit card spend with no minimum spending and cashback cap.
- S$0 overseas transaction fee on foreign currency spend.
- Access up to 14 currencies in 1 single account.
- Convert at attractive FX rates.
- Gain access to a full suite of wealth expertise.
- Savings up to 16% off fuel.
The Wealth $aver deposit account is exclusively for Standard Chartered’s Priority Banking or Priority Private clients who are at least 18 years old.
You can become a Priority Banking client with us by opening a Wealth $aver deposit account and deposit a minimum of S$200,000 fresh funds.
Interest will be credited to your Wealth $aver deposit account monthly by the last day of the following month, or at other regular intervals determined by Standard Chartered.
If you are a Priority Banking or Priority Private client at the point of interest computation, we will be taking the average Assets Under Management (AUM*) for the month to determine the interest rate assigned to your account each month.
You will earn interest on the average daily balance for your Singapore Dollar denominated balances only. You will not earn interest on your foreign currency denominated balances.
*AUM is defined as the sum of your:
- Total Deposits placed with the bank including Time Deposits.
- Total value of eligible investment products with the bank, and
- Total premiums paid to date on eligible in-force insurance products purchased through the bank.
The following are considered as Eligible Investments Products:
Eligible Unit Trust – a unit trust distributed by us but does not include (a) exchange traded funds; and (b) switching transactions.
Eligible Bonds – successful subscription of bonds issued and/or distributed by the Bank.
Eligible Structured Notes – successful subscription of structured notes issued and/or distributed by the Bank, excluding Premium Currency Investments and Commodity Linked Structured Investment.
The aggregate subscription for all Eligible Investment Products purchased through us within a calendar month during the Promotion Period must be at least S$200,000* (or its equivalent in another currency).
*Note: For Non-Accredited Investors (AI), eligible Bonds/Structured Notes will be subjected to minimum investment amount.
Regular or single premium life insurance policy(ies) underwritten by Prudential Assurance Company Singapore (Pte) Limited (with the exception of PRUShield and single premium life insurance policy purchased using SRS funds) which names the Wealth $aver accountholder as the policy holder and where the aggregated annualized premium(s) payable for all Eligible Insurance Policy(ies) purchased through us within a calendar month during the Promotion Period must be at least S$24,000 (or its equivalent in another currency).
Unfortunately, you will need to have a Wealth $aver deposit account opened before the subscription of Eligible Investment Products or purchase of Eligible Insurance Policy(ies) to qualify for the Promotional Bonus Interest.
Click here for more FAQs.
