one can attempt to put your money in the following
UOB high yield account
OCBC bonus +
OCBC 360
UOB One account
Maybank iSavvy
SCB eSaver
CIMB Fast saver.
I can only think of these.
the max you can get from these is 2.xx%. STI etf gives 3.x% based on current price. and got chance for capital gain (or loss).
i dont play sti etf. i pick and choose the counters i like.