The 20 Best Savings Accounts in Singapore Without Salary Credit
Looking for a savings account in Singapore without the requirement of salary credit? You're in the right place! Whether you're a student, self-employed, or simply prefer to manage your finances independently, there are a variety of options available to help you save and grow your money.
With so many choices out there, it can be overwhelming to decide which savings account is the best fit for your needs. To make your search easier, we have compiled a list of the 20 best savings accounts in Singapore without salary credit. Compare key features such as interest rates, minimum deposit requirements, ease of access, and additional perks to find the account that aligns with your financial goals.
- High interest rates
- No minimum balance
- 24/7 online banking
- ATM access
- Free withdrawals
Take control of your savings today by exploring the top savings account options in Singapore without the need for salary credit!
- 1. SGP CREDIT SINGAPORE PTE LTD | Best Jurong Money Lender | Fast Approved Personal Loan
- 2. 96bm Credit | Cash Loan Singapore | Best Online Money Lender Ubi, Geylang, Paya Lebar, Eunos & Kaki Bukit
- 3. Su Credit | Licensed Money Lender in Bugis and Rochor | Legal Personal Loan
- 4. Best Credit | Licensed Moneylender Singapore | Best Personal Loan Review 372
- 5. 365 Credit Solutions: Best Licensed Money Lender Singapore Orchard Far East Plaza | Personal Loan Singapore | Foreigner Loan
- 6. 118 Credit | Licensed Money Lender Singapore Bugis (Formerly QV Credit) | Personal Loan & Fast Cash Loan | 1 1 8 CREDIT
- 7. MoneySmart Singapore
- 8. SingSaver
- 9. Singapura Finance Ltd Co - Woodlands Customer Centre
- 10. Credit Suisse AG
- 11. Crédit Industriel et Commercial, Singapore Branch
- 12. Singapore Bank Employees' Co-operative Thrift & Loan Society Ltd
- 13. First Commercial Bank
- 14. The Bank of East Asia
- 15. Singapore Statutory Boards Employees' Co-Operative Thrift & Loan Society Ltd
- 16. Instant Loan : Best Personal Loan in Singapore
- 17. ANEXT Bank Pte. Ltd.
- 18. Woori Bank Singapore Branch
- 19. VP Bank Ltd Singapore Branch
- 20. SBL Singapore | Low Interest Business Loans, Working Capital Loans
- Monday: 11:30 AM–7:30 PM
- Tuesday: 11:30 AM–7:30 PM
- Wednesday: 11:30 AM–7:30 PM
- Thursday: 11:30 AM–7:30 PM
- Friday: 11:30 AM–7:30 PM
- Saturday: 11:30 AM–7 PM
- Sunday: Closed
1. SGP CREDIT SINGAPORE PTE LTD | Best Jurong Money Lender | Fast Approved Personal Loan
Information and Reviews
- Customers rave about the professionalism and friendliness of the staff, highlighting their patience and helpfulness throughout the loan application process.
- The efficiency and speed at which loans are processed are frequently praised, making it a go-to option for those in need of quick financial assistance.
- Clients appreciate the clear and detailed explanations of the loan policies provided by the knowledgeable team members, creating a transparent and trustworthy environment.
- SGP CREDIT SINGAPORE PTE LTD is commended for its flexible payment terms, accommodating individual needs and preferences with understanding and empathy.
With a stellar 5.0 rating and numerous positive reviews from satisfied customers, SGP CREDIT SINGAPORE PTE LTD stands out as a reliable and reputable choice for personal loans in Jurong. Visit their website for more information on their services and to schedule an appointment today!
- Monday: 11:30 AM–7:30 PM
- Tuesday: 11:30 AM–7:30 PM
- Wednesday: 11:30 AM–7:30 PM
- Thursday: 11:30 AM–7:30 PM
- Friday: 11:30 AM–7:30 PM
- Saturday: 11:30 AM–7 PM
- Sunday: Closed
2. 96bm Credit | Cash Loan Singapore | Best Online Money Lender Ubi, Geylang, Paya Lebar, Eunos & Kaki Bukit
Information and Reviews
With a perfect rating of 5.0 stars, 96bm Credit has received rave reviews from satisfied customers. Here are a few key points summarized from their reviews:
- Greeted warmly by staff, professional service, clear loan details.
- Polite and transparent explanations, knowledgeable staff.
- Professionalism in handling loan requests, clear payment terms.
- Kind and pleasant consultations, clear process explanations.
Customers have praised the staff, especially Mr. Sim and Clara, for their friendly and helpful service. If you are in need of a reliable and trustworthy money lender, 96bm Credit comes highly recommended by many satisfied clients.
- Monday: 11:30 AM–7 PM
- Tuesday: 11:30 AM–7 PM
- Wednesday: 11:30 AM–7 PM
- Thursday: 11:30 AM–7 PM
- Friday: 11:30 AM–7 PM
- Saturday: 11:30 AM–7 PM
- Sunday: Closed
3. Su Credit | Licensed Money Lender in Bugis and Rochor | Legal Personal Loan
Information and Reviews
Customers have praised the exceptional service provided by Su Credit, highlighting the following key points:
- Professional and reassuring customer service, making the loan process smooth and easy.
- Highly knowledgeable and thorough staff members who ensure all details are explained clearly.
- Fast and efficient service without any pushy sales tactics.
- Helpful and accommodating staff, especially for first-time and foreign customers.
With a perfect 5.0 rating based on 842 reviews, Su Credit is a trusted choice for individuals seeking reliable financial solutions in Bugis and Rochor.
- Monday: 12–5 PM
- Tuesday: 10 AM–8 PM
- Wednesday: 10 AM–8 PM
- Thursday: 10 AM–8 PM
- Friday: 10 AM–8 PM
- Saturday: 10 AM–5 PM
- Sunday: 10 AM–5 PM
4. Best Credit | Licensed Moneylender Singapore | Best Personal Loan Review 372
Information and Reviews
- Customers appreciate the friendly and welcoming atmosphere at Best Credit, making them feel comfortable and at ease.
- The staff's professionalism, knowledge, and clear explanations have left customers impressed and satisfied.
- Clients are grateful for the genuine assistance provided to solve their financial issues without any judgment, ensuring a positive experience.
For anyone in need of financial assistance and great service, Best Credit is definitely the place to go!
- Monday: 10:30 AM–8:30 PM
- Tuesday: 10:30 AM–8:30 PM
- Wednesday: 10:30 AM–8:30 PM
- Thursday: 10:30 AM–8:30 PM
- Friday: 10:30 AM–8:30 PM
- Saturday: 10:30 AM–5 PM
- Sunday: 10:30 AM–5 PM
5. 365 Credit Solutions: Best Licensed Money Lender Singapore Orchard Far East Plaza | Personal Loan Singapore | Foreigner Loan
Information and Reviews
With a perfect rating of 5.0, it's no surprise that customers have left glowing reviews. Here are a few key points from their reviews:
- Professional, friendly, and quick service.
- Very helpful and friendly staff that make customers feel comfortable.
- Detailed explanations of fees and interest rates, highly recommended.
- Efficient and attentive staff that provide excellent assistance throughout the process.
Experience top-notch service and professionalism at 365 Credit Solutions – your go-to destination for all your loan needs.
- Monday: 11 AM–8 PM
- Tuesday: 11 AM–8 PM
- Wednesday: 11 AM–8 PM
- Thursday: 11 AM–8 PM
- Friday: 11 AM–8 PM
- Saturday: 11 AM–4 PM
- Sunday: Closed
6. 118 Credit | Licensed Money Lender Singapore Bugis (Formerly QV Credit) | Personal Loan & Fast Cash Loan | 1 1 8 CREDIT
Information and Reviews
- Good customer service, reliable, fast deal, easy process.
- Smooth and clean process, comfortable experience, patient staff.
- Efficient and quick loan approval, helpful and friendly staff.
- Professional, understanding, and highly recommended for reasonable loan terms.
If you are looking for a trustworthy and efficient money lender in Singapore, 118 Credit is the place to go. Visit their website or contact them today to learn more about their services!
- Monday: 10 AM–7 PM
- Tuesday: 10 AM–7 PM
- Wednesday: 10 AM–7 PM
- Thursday: 10 AM–7 PM
- Friday: 10 AM–7 PM
- Saturday: Closed
- Sunday: Closed
7. MoneySmart Singapore
Information and Reviews
Customer reviews highlight the following key points:
- Prompt customer service that responds to queries effectively.
- Proactive approach from MoneySmart in keeping customers informed and updated.
- User-friendly website with straightforward processes for claims.
- Quick processing of rewards through Smartpoints option for faster redemption.
Overall, customers appreciate the assistance provided by MoneySmart Singapore in navigating through financial products and options. Their dedication to customer satisfaction and commitment to providing valuable financial advice make them a trusted partner in financial success.
- Monday: Closed
- Tuesday: 9 AM–6 PM
- Wednesday: 9 AM–6 PM
- Thursday: 9 AM–6 PM
- Friday: 9 AM–6 PM
- Saturday: Closed
- Sunday: Closed
8. SingSaver
Information and Reviews
Customer reviews highlight the exceptional service provided by SingSaver:
- Efficient and dedicated staff in the insurance department.
- Seamless process in finding the best credit card with excellent benefits.
- Great customer service agent who was patient and helpful throughout the car insurance purchase.
- Accurate and timely honoring of promotional rewards, demonstrating commitment to customer satisfaction.
- Monday: 9 AM–4:30 PM
- Tuesday: 9 AM–4:30 PM
- Wednesday: 9 AM–4:30 PM
- Thursday: 9 AM–4:30 PM
- Friday: 9 AM–4:30 PM
- Saturday: 9 AM–12 PM
- Sunday: Closed
9. Singapura Finance Ltd Co - Woodlands Customer Centre
Information and Reviews
- Attentive and patient service from Peggy Chew, who is approachable and knowledgeable.
- Commendations for Adelle, Phyllis, and Alicia for their prompt and professional service in handling fixed deposits.
- Positive feedback on good customer service overall.
- Highly competent and committed staff, such as Miss Peggy Chew, highlighted for their helpfulness and dedication.
With a perfect rating of 5.0 stars, it's no wonder customers keep coming back to Singapura Finance Ltd Co - Woodlands Customer Centre for all their banking needs.
10. Credit Suisse AG
Information and Reviews
Customers have left glowing reviews, highlighting the following key points:
- Good banking service with stable currency
- Fast and helpful bankers, such as Tammy
- Highly recommended for international flights
Experience the exceptional service and financial expertise at Credit Suisse AG today!
11. Crédit Industriel et Commercial, Singapore Branch
Information and Reviews
Customers have shared their positive experiences, giving the branch a stellar 5.0 rating. Here are a few key points summarizing their feedback:
- Excellent customer service
- Efficient and knowledgeable staff
Furthermore, the bank offers Accessibility features such as a wheelchair-accessible car park and entrance, ensuring that all clients can easily access their services.
If you are in need of reliable banking services in Singapore, look no further than Crédit Industriel et Commercial, Singapore Branch. Visit their website or give them a call at +65 6536 6008 to learn more about what they can offer you.
12. Singapore Bank Employees' Co-operative Thrift & Loan Society Ltd
Information and Reviews
Customers have showered the bank with positive reviews, earning it a stellar 5.0 rating. Some key points from customer reviews include:
- Efficient and friendly customer service
- Transparent and clear banking processes
- Competitive interest rates
The bank is committed to providing a wheelchair-accessible entrance to ensure that all customers can easily access their services. Visit Singapore Bank Employees' Co-operative Thrift & Loan Society Ltd for all your banking needs.
- Monday: 9:30 AM–3:30 PM
- Tuesday: 9:30 AM–3:30 PM
- Wednesday: 9:30 AM–3:30 PM
- Thursday: 9:30 AM–3:30 PM
- Friday: 9:30 AM–3:30 PM
- Saturday: Closed
- Sunday: Closed
13. First Commercial Bank
Information and Reviews
- Customers praise the excellent customer service provided by the bank staff.
- The convenient banking hours make it easy for customers to manage their finances.
- Accessibility features such as a wheelchair-accessible car park and entrance are highly appreciated by customers.
With a rating of 4.5 stars, based on 2 reviews, First Commercial Bank continues to be a top choice for individuals seeking reliable and customer-friendly banking services.
- Monday: 9 AM–3:30 PM
- Tuesday: 9 AM–3:30 PM
- Wednesday: 9 AM–3:30 PM
- Thursday: 9 AM–3:30 PM
- Friday: 9 AM–3:30 PM
- Saturday: Closed
- Sunday: Closed
14. The Bank of East Asia
Information and Reviews
- BEA Building is a new 15-storey prime office building located in Singapore’s Central Business District, easily accessible to Raffles Place MRT station and other amenities.
- Customers have praised the efficient security at the bank.
- Some customers have mentioned the great banking services provided by The Bank of East Asia.
- Monday: 9 AM–6 PM
- Tuesday: 9 AM–6 PM
- Wednesday: 9 AM–6 PM
- Thursday: 9 AM–6 PM
- Friday: 9 AM–6 PM
- Saturday: Closed
- Sunday: Closed
15. Singapore Statutory Boards Employees' Co-Operative Thrift & Loan Society Ltd
Information and Reviews
With a solid rating of 3.9 based on 19 reviews, customers have praised this business for several key points:
- Friendly staff and good support
- Efficient and good service
- Good interest rate and good service
- Excellent service and friendly staff
These positive reviews highlight the dedication of the team at Singapore Statutory Boards Employees' Co-Operative Thrift & Loan Society Ltd to providing top-notch service to their valued customers. For more information, visit their website at www.ssbec.coop or give them a call at +65 6344 8627.
- Monday: Open 24 hours
- Tuesday: Open 24 hours
- Wednesday: Open 24 hours
- Thursday: Open 24 hours
- Friday: Open 24 hours
- Saturday: Open 24 hours
- Sunday: Open 24 hours
16. Instant Loan : Best Personal Loan in Singapore
Information and Reviews
- Highly efficient and trustworthy service
- Quick and easy loan application process
- Professional and friendly staff
Customers like Instant Loan : Best Personal Loan in Singapore for its exceptional services and dedication to customer satisfaction. Whether you need a personal loan or financial assistance, this business is a reliable choice in Singapore.
17. ANEXT Bank Pte. Ltd.
Information and Reviews
- Efficient onboarding process with account open in minutes
- Simple functions suitable for business usage
- Low transfer fees and no minimum balance requirements
- Positive updates on initial concerns and improved service
- Monday: 9 AM–12 PM
- Tuesday: 9 AM–12 PM
- Wednesday: 9 AM–12 PM
- Thursday: 9 AM–12 PM
- Friday: 9 AM–12 PM
- Saturday: Closed
- Sunday: Closed
18. Woori Bank Singapore Branch
Information and Reviews
- Customer service is non-existent, with repeated failed attempts to reach the bank
- Positive feedback on the ability to issue OTPs and set up internet banking
- No response to phone calls, indicating a lack of communication
- Good service for handling corporate finance matters
Discover more about the Woori Bank Singapore Branch by visiting their website or contacting them at +65 6422 2000 during business hours.
- Monday: Closed
- Tuesday: 9 AM–6 PM
- Wednesday: 9 AM–6 PM
- Thursday: 9 AM–6 PM
- Friday: 9 AM–6 PM
- Saturday: Closed
- Sunday: Closed
19. VP Bank Ltd Singapore Branch
Information and Reviews
At VP Bank Ltd Singapore Branch, customers can expect professional and personalized assistance from knowledgeable bankers who strive to deliver excellent service. Whether you are looking to open a savings account, apply for a loan, or explore investment opportunities, the bank's dedicated team is ready to assist you every step of the way.
Customers have praised VP Bank Ltd Singapore Branch for its efficient and reliable services. Some key points highlighted in the reviews include:
- Great customer service
- Convenient location
- Competitive interest rates
Experience the difference with VP Bank Ltd Singapore Branch and discover why it stands out as a trusted financial institution in Singapore. Visit their website here or contact them at +65 6305 0050 for more information.
- Monday: 11 AM–7:30 PM
- Tuesday: 11 AM–7:30 PM
- Wednesday: 11 AM–7:30 PM
- Thursday: 11 AM–7:30 PM
- Friday: 11 AM–7:30 PM
- Saturday: 11 AM–7:30 PM
- Sunday: 11 AM–7:30 PM
20. SBL Singapore | Low Interest Business Loans, Working Capital Loans
Information and Reviews
Customers have praised SBL Singapore for their exceptional customer service, quick approval process, and competitive interest rates. Some key points from customer reviews include:
- Efficient and friendly service
- Competitive interest rates
- Quick and hassle-free approval process
Whether you are looking to expand your business or need additional working capital, SBL Singapore is a trusted partner that can help you achieve your financial goals. Visit their website today to learn more about the services and financing options they offer.
Map of Savings Accounts in Singapore Without Salary Credit
For those looking to open a savings account in Singapore without requiring a salary credit, there are several options available. These accounts offer competitive interest rates, low fees, and convenient online banking services. Use the map below to easily locate and compare the different banks and their offerings to find the best savings account for your needs.
What are the options for opening a savings account in Singapore without salary credit?
When it comes to opening a savings account in Singapore without salary credit, there are several options available to you. One option is to choose a bank that offers accounts specifically designed for individuals who do not have their salary credited into the account. These accounts may have lower minimum balance requirements and fewer restrictions compared to regular savings accounts. Another option is to consider opening an online savings account with a digital bank that does not require salary credit.
You could also explore opening a joint savings account with a family member or partner who does have their salary credited, as this may help you gain access to better account features and benefits. Lastly, you could look into opening a specialized savings account, such as a high-interest savings account or a retirement savings account, which may offer more attractive interest rates and perks.
What are the advantages of opening a savings account without salary credit in Singapore?
There are several advantages to opening a savings account in Singapore without salary credit. Firstly, you will have greater flexibility in managing your finances as you will not be tied to a specific salary credit arrangement. This means you can deposit money into your account as and when you please, without having to worry about meeting any salary credit requirements.
Additionally, savings accounts without salary credit often come with lower minimum balance requirements and fewer fees, making them more accessible to a wider range of individuals. You may also have the opportunity to earn higher interest rates on your savings, especially if you opt for a specialized savings account that offers competitive rates. Overall, opening a savings account without salary credit in Singapore can provide you with more control over your money and better financial benefits.
Can I apply for a savings account in Singapore without having my salary credited?
Yes, you can absolutely apply for a savings account in Singapore without having your salary credited. Many banks in Singapore offer specialized savings accounts that do not require salary credit as a condition for opening an account. These accounts are designed to cater to individuals who may not have a regular salary credit arrangement, such as freelancers, entrepreneurs, students, or retirees.
When applying for a savings account without salary credit, you may be asked to provide alternative forms of income verification, such as bank statements, proof of investments, or other financial documents. As long as you meet the bank's eligibility criteria and can demonstrate your ability to maintain the account, you should be able to successfully open a savings account in Singapore without having your salary credited.
What are some tips for choosing the right savings account without salary credit in Singapore?
When selecting a savings account in Singapore without salary credit, it's essential to consider your financial goals and preferences. Start by researching different banks and their offerings to compare interest rates, fees, and features of various savings accounts. Look for accounts with low or no minimum balance requirements, as well as favorable interest rates on your deposits.
Consider whether you prefer traditional brick-and-mortar banks or digital banks for your savings account, as each type may offer different benefits and conveniences. Additionally, read the fine print of the account terms and conditions to understand any fees, restrictions, or conditions associated with the account. By doing your due diligence and choosing a savings account that aligns with your financial needs and lifestyle, you can make the most of your savings without salary credit in Singapore.
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