Standchart eSaver

[3XTR3M1ST]

For those of you still parking in 3.8% promo, did you realize OCBC 360 easily gives you 4.05%? I don't know why I overlooked that and just follow the hype of this esaver lol

https://www.ocbc.com/personal-banking/deposits/360-savings-accountSalary + Save: You will earn a maximum EIR of 4.05% a year.

 

[havetheveryfun]

For those of you still parking in 3.8% promo, did you realize OCBC 360 easily gives you 4.05%? I don't know why I overlooked that and just follow the hype of this esaver lol

https://www.ocbc.com/personal-banking/deposits/360-savings-accountSalary + Save: You will earn a maximum EIR of 4.05% a year.

cos that has 100k cap + need salary credit

these esaver ppl here all is more than 100k, very rich one

UOB one is higher interest for salary account if u can hit $500 spend a month

 

[3XTR3M1ST]

cos that has 100k cap + need salary credit

these esaver ppl here all is more than 100k, very rich one

UOB one is higher interest for salary account if u can hit $500 spend a month

I see....

Sad I can't hit the min spend criteria because I only eat cai png...

 

[feralslash]

I currently have 1 esaver account. However, as my Jan'23 ADB is very high, I wont be able to take part in the 1feb-31mar promo.
Can I just create another new esaver #2 account? Then move the funds from esaver#1 to #2, and #2 will now be eligible for the promo, since its a new account and the comparison month's ADB is zero.

 

[twosix]

I currently have 1 esaver account. However, as my Jan'23 ADB is very high, I wont be able to take part in the 1feb-31mar promo.
Can I just create another new esaver #2 account? Then move the funds from esaver#1 to #2, and #2 will now be eligible for the promo, since its a new account and the comparison month's ADB is zero.

Joint acct?

 

[feralslash]

Not joint. 2 esavers. I was able to do that many years back. But wondering if it can be done again. So just move the funds between the two for each promo cycle.

 

[wutawa]

For those of you still parking in 3.8% promo, did you realize OCBC 360 easily gives you 4.05%? I don't know why I overlooked that and just follow the hype of this esaver lol

https://www.ocbc.com/personal-banking/deposits/360-savings-accountSalary + Save: You will earn a maximum EIR of 4.05% a year.

I parking in esaver for 3.8%. I choose it over ocbc360 because i dont have salary and save. I also cant meet its fall below requirement.

 

[sglandscape]

I parking in esaver for 3.8%. I choose it over ocbc360 because i dont have salary and save. I also cant meet its fall below requirement.

Did you consider HSBC EGA?

 

[SantyBalls]

Did you consider HSBC EGA?

Wats the rate ar? Their site like nt very straightforward

 

[SantyBalls]

I got the esaver acct liao.

How to use ibanking ar? Like never send me any info liddat. The email only contain a pdf with bank acct number

 

[konan~]

I got the esaver acct liao.

How to use ibanking ar? Like never send me any info liddat. The email only contain a pdf with bank acct number

Must have a Username and Password to login. If don't have, must go down to branch to set up.

 

[saintgtril]

I see....

Sad I can't hit the min spend criteria because I only eat cai png...

Low expense is better than high expenses. I am sure this is something most if not all of us envy.

 

[Uacesg]

Looking to open this eSaver account and close off the BonusSaver account. Does anyone know if I've gotten the sign up gift for BonusSaver, any penalty if I close off BonusSaver account as well as the useless credit card? Thanks in advance!

 

[CrashWire]

Looking to open this eSaver account and close off the BonusSaver account. Does anyone know if I've gotten the sign up gift for BonusSaver, any penalty if I close off BonusSaver account as well as the useless credit card?

What do the T&C say?

 

[Uacesg]

What do the T&C say?

it has this line "your Bonus$aver Account and your Bonus$aver Credit Card account must be validly existing (i.e. must not be suspended, cancelled or terminated), in good standing, and conducted in a proper and satisfactory manner at all times, as determined by the Bank in its sole and absolute discretion." which they don't specify the validity is until when

 

[konan~]

it has this line "your Bonus$aver Account and your Bonus$aver Credit Card account must be validly existing (i.e. must not be suspended, cancelled or terminated), in good standing, and conducted in a proper and satisfactory manner at all times, as determined by the Bank in its sole and absolute discretion." which they don't specify the validity is until when

Under Key Charges
Early Account Closure (within 6 months) S$30
https://www.sc.com/sg/save/current-...cfLMKEFkOhWUxs6Jc3hoC_9IQAvD_BwE&gclsrc=aw.ds

 

[SantyBalls]

Under Key Charges
Early Account Closure (within 6 months) S$30
https://www.sc.com/sg/save/current-...cfLMKEFkOhWUxs6Jc3hoC_9IQAvD_BwE&gclsrc=aw.ds

If leave it at 0dollars also nth happen right. Then half yr ltr close acct

 

[revhappy]

For those of you still parking in 3.8% promo, did you realize OCBC 360 easily gives you 4.05%? I don't know why I overlooked that and just follow the hype of this esaver lol

https://www.ocbc.com/personal-banking/deposits/360-savings-accountSalary + Save: You will earn a maximum EIR of 4.05% a year.

Interesting find. I didn't realise the high rate of 4% above 75k pulls up the average massively.

I think the trick is to start with like 95k and then you need to keep increasing you balance by 500 each month so for 10 months you get close to 4%.

 

[GrandJedi]

The line 'Bonus Interest Payment for 2023-02' based on my calculation is likely based on 3.8%.

I noticed for my JANUARY interest, I have to add 3 lines: interest (31st), bonus interest (31st), exclusive interest (10th). I added it all up, it was about 3.8%. Let me know if that is true for you.

BTW, I did not receive anything in February from SCB about 4.2% (#4026 post).

 

[Uacesg]

If leave it at 0dollars also nth happen right. Then half yr ltr close acct

need to maintain $3k minimum in bonus saver else tio charged. eSaver seems better at $1k minimum