Standchart eSaver

[ThreeSteps]

Read the TnC and it said fresh funds 100K to qualify, ie not withdrawn and deposited within 30days. So not sure if there is a need to clean up as the Bonus Interest is on the entire amount and not incremental ADB. Is my understanding correct?

e$aver Exclusive Bonus Interest (June 2026C) promo, promotion period: 1 June to 31 Aug 2026 :

I need to clear out in May because I intend to deposit only on 29-30 June to qualify for the promo. This means that my a/c in June will be mostly empty & not earning bonus interest.
There is no need for you to clear out funds before end-May if you have extra additional fresh funds of $100k to deposit in June before 30June.

Calculation of bonus interest is based on ADB (not incremental ADB) for June, July, Aug

 

[GrandJedi]

My wife got Invite "C", but anyway won't be going as already started with HSBC EGA till Aug also.

Noticed 2 differences between the private and public promotions.
1. Duration: Invite is for 3 months but Public is for 2 months?
2. Incremental funds: Invite is based on daily balance of specific date (31May). Public is ADB of the month of May?

 

[CaptainWu]

Noticed 2 differences between the private and public promotions.
1. Duration: Invite is for 3 months but Public is for 2 months?
2. Incremental funds: Invite is based on daily balance of specific date (31May). Public is ADB of the month of May?

Yep, think mostly they are different to make it more attractive for the invited one.

 

[CaptainWu]

e$aver Interest Exclusive Bonus (invite June2026C Jun-Aug) 1.8%

Hsbc EGA 1.65% (customer with wealth holding), 1.45% (customer without wealth holding).
note: hsbc 1% Everyday+ Bonus Interest will be removed effective 1st July 2026 – refer to hsbc forum

Yep, look like I might have to consider the SCB one instead....

 

[GrandJedi]

Yep, think mostly they are different to make it more attractive for the invited one.

Added one more..

Noticed 3 differences between the private and public promotions.
1. Duration: Invite is for 3 months but Public is for 2 months?
2. Incremental funds: Invite is based on daily balance of specific date (31May). Public is ADB of the month of May?
3. Wealth holding requirement: Private - No. Public - Yes.

 

[reflecx]

Added one more..

Noticed 3 differences between the private and public promotions.
1. Duration: Invite is for 3 months but Public is for 2 months?
2. Incremental funds: Invite is based on daily balance of specific date (31May). Public is ADB of the month of May?
3. Wealth holding requirement: Private - No. Public - Yes.

You missed out - exclusive gives bonus interest on entire ADB, public only gives bonus interest for incremental ADB

 

[addict951]

No new about the public rate for Jun-Jul ??

Still boh hor, anyone?

 

[Shalom_555]

e$aver Exclusive Bonus Interest (June 2026C) promo, promotion period: 1 June to 31 Aug 2026 :

I need to clear out in May because I intend to deposit only on 29-30 June to qualify for the promo. This means that my a/c in June will be mostly empty & not earning bonus interest.
There is no need for you to clear out funds before end-May if you have extra additional fresh funds of $100k to deposit in June before 30June.

Calculation of bonus interest is based on ADB (not incremental ADB) for June, July, Aug

It states that top up saver min fresh funds 100k by 30 June. Fresh funds means cannot have been withdrawn within 30 days of promo. I have withdrawn 50k on 8 May, does it mean I need to put back the 50k + top up 100 k fresh funds to qualify. Also for those considering moving out of bonus saver in June, we can’t move the funds cos of this esaver promo. Pls correct my understanding.

TnC …Fresh funds” means funds that do not originate from any existing account with the Bank or funds that are not withdrawn and re-deposited within 30 days of the Promotion Period

 

[ThreeSteps]

It states that top up saver min fresh funds 100k by 30 June. Fresh funds means cannot have been withdrawn within 30 days of promo. I have withdrawn 50k on 8 May, does it mean I need to put back the 50k + top up 100 k fresh funds to qualify. Also for those considering moving out of bonus saver in June, we can’t move the funds cos of this esaver promo. Pls correct my understanding.

TnC …Fresh funds” means funds that do not originate from any existing account with the Bank or funds that are not withdrawn and re-deposited within 30 days of the Promotion Period

e$aver Exclusive Bonus Interest (June 2026C) promo, promotion period: 1 June to 31 Aug 2026 :
t&cs : “ 2c. you must deposit fresh funds of minimum S$100,000 into your Eligible Account(s), such that the end-of-day deposit balance on 30 June 2026 is at least S$100,000 higher than the end-of-day deposit balance on 31 May 2026. “Fresh funds” means funds that do not originate from any existing account with the Bank or funds that are not withdrawn and re-deposited within 30 days of the Promotion Period; “

I assume you only withdraw a total of $50k from all your Std Chartered bank a/cs on 8 May and there is no other withdrawal after 8 May. In this situation, if you transfer $100k (minimum) from a non-Std Chartered bank a/c to e$aver between mid-June to 30June, I think it is quite safe to consider the entire $100k as fresh fund.

I do not understand your actual situation with Bonus$aver a/c. If you are planning to move out, you should transfer the funds directly to a non-Std Chartered bank a/c & wait for at least 32 days. Then you may clarify with your RM if it is safe to transfer this fund into e$aver a/c.

 

[ericcsn]

e$aver Exclusive Bonus Interest (June 2026C) promo, promotion period: 1 June to 31 Aug 2026 :
t&cs : “ 2c. you must deposit fresh funds of minimum S$100,000 into your Eligible Account(s), such that the end-of-day deposit balance on 30 June 2026 is at least S$100,000 higher than the end-of-day deposit balance on 31 May 2026. “Fresh funds” means funds that do not originate from any existing account with the Bank or funds that are not withdrawn and re-deposited within 30 days of the Promotion Period; “

I assume you only withdraw a total of $50k from all your Std Chartered bank a/cs on 8 May and there is no other withdrawal after 8 May. In this situation, if you transfer $100k (minimum) from a non-Std Chartered bank a/c to e$aver between mid-June to 30June, I think it is quite safe to consider the entire $100k as fresh fund.

I do not understand your actual situation with Bonus$aver a/c. If you are planning to move out, you should transfer the funds directly to a non-Std Chartered bank a/c & wait for at least 32 days. Then you may clarify with your RM if it is safe to transfer this fund into e$aver a/c.

i received this offer, didnt see that I need to register.

 

[ThreeSteps]

i received this offer, didnt see that I need to register.

e$aver Exclusive Bonus Interest (June 2026C) promo, promotion period: 1 June to 31 Aug 2026 :
Firstly, you must have received the invite.
You are auto registered if you can show that your 30June balance is higher than 31May balance according to this criteria :
t&cs : “ 2c. you must deposit fresh funds of minimum S$100,000 into your Eligible Account(s), such that the end-of-day deposit balance on 30 June 2026 is at least S$100,000 higher than the end-of-day deposit balance on 31 May 2026. “Fresh funds” means funds that do not originate from any existing account with the Bank or funds that are not withdrawn and re-deposited within 30 days of the Promotion Period; “

Calculation of bonus interest is based on ADB (not incremental ADB) for June, July, Aug. If you have ready suitable fresh funds, you can deposit in early June & enjoy BI for all 3 months (on the first $5m ADB, refer t&cs).

 

[Shalom_555]

e$aver Exclusive Bonus Interest (June 2026C) promo, promotion period: 1 June to 31 Aug 2026 :
t&cs : “ 2c. you must deposit fresh funds of minimum S$100,000 into your Eligible Account(s), such that the end-of-day deposit balance on 30 June 2026 is at least S$100,000 higher than the end-of-day deposit balance on 31 May 2026. “Fresh funds” means funds that do not originate from any existing account with the Bank or funds that are not withdrawn and re-deposited within 30 days of the Promotion Period; “

I assume you only withdraw a total of $50k from all your Std Chartered bank a/cs on 8 May and there is no other withdrawal after 8 May. In this situation, if you transfer $100k (minimum) from a non-Std Chartered bank a/c to e$aver between mid-June to 30June, I think it is quite safe to consider the entire $100k as fresh fund.

I do not understand your actual situation with Bonus$aver a/c. If you are planning to move out, you should transfer the funds directly to a non-Std Chartered bank a/c & wait for at least 32 days. Then you may clarify with your RM if it is safe to transfer this fund into e$aver a/c.

Thank you

 

[nobody1968]

I received invite B, only 1.6% but similar terms. Any idea how they decide whuch customers get which class of invite?

 

[maumu]

those of you who received special invite last month (May to July 1.55% BI), did you get this round of invite for June too?

 

[ThreeSteps]

those of you who received special invite last month (May to July 1.55% BI), did you get this round of invite for June too?

Here is my actual situation with invites for e$aver Exclusive BI :
Received 1st invite for e$aver Exclusive BI (D‌ecember 2‌025C), Promotion period : Dec 2025-Feb 2026
Received 2nd invite for e$aver Exclusive BI (March 2026B), Promotion period : Mar-May 2026
Received 3rd invite for e$aver Exclusive BI (June 2026C), Promotion period : June-Aug 2026

It may be difficult for the bank to calculate interest if the same person receive multiple invites with overlapping Promotion periods.

Although my 1st & 2nd invites have lower interest rates, I still participated with small funds to show my interest for the promotions, hoping that they keep me in the invite list.

 

[ericcsn]

Here is my actual situation with invites for e$aver Exclusive BI :
Received 1st invite for e$aver Exclusive BI (D‌ecember 2‌025C), Promotion period : Dec 2025-Feb 2026
Received 2nd invite for e$aver Exclusive BI (March 2026B), Promotion period : Mar-May 2026
Received 3rd invite for e$aver Exclusive BI (June 2026C), Promotion period : June-Aug 2026

It may be difficult for the bank to calculate interest if the same person receive multiple invites with overlapping Promotion periods.

Although my 1st & 2nd invites have lower interest rates, I still participated with small funds to show my interest for the promotions, hoping that they keep me in the invite list.

i could never get esaver interests to reconcile, unlike all other banks.

Have personal esaver, joint esaver (not main account holder), esaver kids and currently am having money in personal esaver , other 2 at zero.

If i swapped indirectly using a non SCB bank account to move from personal esaver to esaver kids, will it reward me the Exclusive BI and see this as fresh fund or will it aggregates the total for personal and esaver kids and say no

 

[Mickey01]

those of you who received special invite last month (May to July 1.55% BI), did you get this round of invite for June too?

All these years I receive eSaver Exclusive Bonus Interest invite and they do not overlap.

 

[addict951]

i received this offer, didnt see that I need to register.

e$aver Exclusive Bonus Interest (June 2026C) promo, promotion period: 1 June to 31 Aug 2026 :
Firstly, you must have received the invite.
You are auto registered if you can show that your 30June balance is higher than 31May balance according to this criteria :
t&cs : “ 2c. you must deposit fresh funds of minimum S$100,000 into your Eligible Account(s), such that the end-of-day deposit balance on 30 June 2026 is at least S$100,000 higher than the end-of-day deposit balance on 31 May 2026. “Fresh funds” means funds that do not originate from any existing account with the Bank or funds that are not withdrawn and re-deposited within 30 days of the Promotion Period; “

Calculation of bonus interest is based on ADB (not incremental ADB) for June, July, Aug. If you have ready suitable fresh funds, you can deposit in early June & enjoy BI for all 3 months (on the first $5m ADB, refer t&cs).

I received invite B, only 1.6% but similar terms. Any idea how they decide whuch customers get which class of invite?

Eh yall received a notification in your app hor? Thx

 

[ericcsn]

Eh yall received a notification in your app hor? Thx

yes. in the banking app in Home, go to the bell icon (displayed at the top of the screen). Click on it, go to Offers and look for it.

But the 1.6% vs a 1.5% (without invite), is only 0.1% difference. For every $100K, that is only 0.1/100*100K/12 = $8.33 superior per month over the regular 1.5% esaver.

Of course, if you have kung fu skills then another level.

 

[Nanonited]

yes. in the banking app in Home, go to the bell icon (displayed at the top of the screen). Click on it, go to Offers and look for it.

But the 1.6% vs a 1.5% (without invite), is only 0.1% difference. For every $100K, that is only 0.1/100*100K/12 = $8.33 superior per month over the regular 1.5% esaver.

Of course, if you have kung fu skills then another level.

Why you so many kungfu. Grandmaster level