Standchart eSaver

[tiertime]

Today no bonus interest if kept in last month account anyway
...and will increase adb ss reference month for future promo

These kind of transfer hv to plan a few days earlier , e.g do it on 30th , increase the overall ADB for the 30 days in the bank to meet min required ADB amount

Every month many ppl shd be doing this way too, Jin mafan but bobian...

 

[bladez87]

These kind of transfer hv to plan a few days earlier , e.g do it on 30th , increase the overall ADB for the 30 days in the bank to meet min required ADB amount

Every month many ppl shd be doing this way too, Jin mafan but bobian...

Don't have so much funds

 

[Mickey01]

SCB Exclusive Invite Step Up Bonus Interest Jan 2025A
Jan 2025 BI - 2.70%
Feb 2025 BI- 2.75%
Mar 2025 BI - 2.80%
Applies to whole account balance (not incremental ADB) up to $5,000,000
Accounts participating in Marathon Promo not eligible for this invite

 

[DevilPlate]

SCB Exclusive Invite Step Up Bonus Interest Jan 2025A
Jan 2025 BI - 2.70%
Feb 2025 BI- 2.75%
Mar 2025 BI - 2.80%
Applies to whole account balance (not incremental ADB) up to $5,000,000
Accounts participating in Marathon Promo not eligible for this invite

Wah drop so much

 

[BlackTortoise]

SCB Exclusive Invite Step Up Bonus Interest Jan 2025A
Jan 2025 BI - 2.70%
Feb 2025 BI- 2.75%
Mar 2025 BI - 2.80%
Applies to whole account balance (not incremental ADB) up to $5,000,000
Accounts participating in Marathon Promo not eligible for this invite

heng, i jump ship to cimb after marathon ends

 

[Mickey01]

Wah drop so much

The exclusive Invite Step Up BI aligns with the Marathon Jan 2025 BI.

The differences
1. Marathon need to register & deposit $100k fresh funds compared to 31 Dec 2024
2. Marathon BI applies to Incremental ADB

 

[vsvs24]

SCB Exclusive Invite Step Up Bonus Interest Jan 2025A
Jan 2025 BI - 2.70%
Feb 2025 BI- 2.75%
Mar 2025 BI - 2.80%
Applies to whole account balance (not incremental ADB) up to $5,000,000
Accounts participating in Marathon Promo not eligible for this invite

I said this last mth going to say again.

Public rate 2.85% for Dec to Jan cycle. Higher than all the 3 mths in Jan marathon.

Does not make sense to join Marathon. The rates are not that fantastic that need to lock in.

https://www.sc.com/sg/save/savings-accounts/esaver/

 

[JetStorm]

i think i messed up my musical chairs for Oct to Dec.
can someone help me recall what was the promo period for Oct non marathon?
was it Oct Nov Dec, with Sep as reference month?
or was it Oct Nov, with Sep as reference month?
because i left my $$$ in Account A for Oct Nov Dec, and i just realized the current cycle is Dec Jan with Nov as reference month. which meant i needed to transfer to Account B on 1 Dec which i did not do.
thanks

oct nov dec marathon is using sep as reference month. now jan you should be moving funds out liao. too late for cimb 3.2% or maribank 3.5% now. Still can do Maybank nov to jan 2025 window. 3.2 to 3.4%

 

[ckman3]

oct nov dec marathon is using sep as reference month. now jan you should be moving funds out liao. too late for cimb 3.2% or maribank 3.5% now. Still can do Maybank nov to jan 2025 window. 3.2 to 3.4%

Thought there is a new promo cycle Jan to Mar 2025 for CIMB at the same 3.2% rate? Ref month should be Dec 2024. Not too late imho.

 

[GrandJedi]

oct nov dec marathon is using sep as reference month. now jan you should be moving funds out liao. too late for cimb 3.2% or maribank 3.5% now. Still can do Maybank nov to jan 2025 window. 3.2 to 3.4%

Does Maybank announce their promotions only every three months, unlike CIMB, HSBC, SCB, which release theirs monthly?

 

[GrandJedi]

When I sign up for Marathon, I will get 2.75% (Jan), 2.80%(Feb), 2.85%(Mar).

However, if dont sign up, I will get 2.80% for Jan and then see what happens in Feb. Looks like SCB expect to drop interest again in Feb.

https://www.sc.com/sg/save/savings-...CTNKOXL0pTsHDHrYjg8aAm_sEALw_wcB&gclsrc=aw.ds

 

[sglandscape]

When I sign up for Marathon, I will get 2.75% (Jan), 2.80%(Feb), 2.85%(Mar).

However, if dont sign up, I will get 2.80% for Jan and then see what happens in Feb. Looks like SCB expect to drop interest again in Feb.

https://www.sc.com/sg/save/savings-...CTNKOXL0pTsHDHrYjg8aAm_sEALw_wcB&gclsrc=aw.ds

Yup, move funds out to CIMB and enjoy the 3.2%. Not sure why anyone would keep the funds in esaver now.

 

[Imhthc]

When I sign up for Marathon, I will get 2.75% (Jan), 2.80%(Feb), 2.85%(Mar).

However, if dont sign up, I will get 2.80% for Jan and then see what happens in Feb. Looks like SCB expect to drop interest again in Feb.

https://www.sc.com/sg/save/savings-...CTNKOXL0pTsHDHrYjg8aAm_sEALw_wcB&gclsrc=aw.ds

Isn’t it 2.85% for Jan 25 if u dun participate in this?
Unless the new promo is below 2.73%, it is difficult to justify why need to sign up this promo with a 0.15% lower for this month.

 

[ahnyaahnya]

I started on the Marathon in late Dec.
I have received the base interest for December. But I haven't received any bonus interest although I had deposited enough $$$ in December .
When does the bank credit the bonus interest ?
Records of my accounts a few months ago show bonus interest credited on same day as the base interest. But that was not Marathon.
Am wondering whether it's cos Marathon is different, or something went wrong

 

[sglandscape]

For those planning to join the Jan 2025 marathon saver.

If don't join marathon saver, then would be 2.85% for Dec 2024 - Jan 2025, reference month being Nov 2024.

 

[GrandJedi]

Isn’t it 2.85% for Jan 25 if u dun participate in this?
Unless the new promo is below 2.73%, it is difficult to justify why need to sign up this promo with a 0.15% lower for this month.

yes. 2.8+0.5% = 2.85% for Jan if you dont sign up for Marathon (Jan=Mar).

 

[sglandscape]

yes. 2.8+0.5% = 2.85% for Jan if you dont sign up for Marathon (Jan=Mar).

+0.05%*

Isn’t it 2.85% for Jan 25 if u dun participate in this?
Unless the new promo is below 2.73%, it is difficult to justify why need to sign up this promo with a 0.15% lower for this month.

It could drop lower in Feb 2025. Rates don't stay higher for longer. So you're taking a bet it won't drop as much by then.

 

[ahnyaahnya]

yes. 2.8+0.5% = 2.85% for Jan if you dont sign up for Marathon (Jan=Mar).

So Marathon not so good?
They have 2 different promos?

 

[Sausage]

oct nov dec marathon is using sep as reference month. now jan you should be moving funds out liao. too late for cimb 3.2% or maribank 3.5% now. Still can do Maybank nov to jan 2025 window. 3.2 to 3.4%

I thought cimb still can?

FastSaver/FastSaver-i Account

Earn up to 5.20%^^ p.a. for the first S$25,000 and flat 3.20%** p.a. on incremental fresh funds# till 31 March 2025.

Click for details.

All Other Eligible Accounts

Earn flat 3.20%** p.a. interest/profit rate on incremental fresh funds with NO cap on interest/profit earned and NO lock-in period till 31 March 2025!



To qualify for this promotion:

Top up a minimum of S$5,000 incremental fresh funds (compared against the end-of-day 31 December 2024 balance) into your account from 1 to 31 January 2025.

 

[JetStorm]

Does Maybank announce their promotions only every three months, unlike CIMB, HSBC, SCB, which release theirs monthly?

I thought cimb still can?

FastSaver/FastSaver-i Account

Earn up to 5.20%^^ p.a. for the first S$25,000 and flat 3.20%** p.a. on incremental fresh funds# till 31 March 2025.

Click for details.

All Other Eligible Accounts

Earn flat 3.20%** p.a. interest/profit rate on incremental fresh funds with NO cap on interest/profit earned and NO lock-in period till 31 March 2025!



To qualify for this promotion:

Top up a minimum of S$5,000 incremental fresh funds (compared against the end-of-day 31 December 2024 balance) into your account from 1 to 31 January 2025.

I didnt mention cimb coz to qualify for 3.2% You need to topup 5k into Cimb by 31 dec 2024.