Best High Interest Savings Account | UOB One vs OCBC 360
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OCBC 360 (Salary, Save Spend)
Base interest = 0.05%
Salary credit $1800 by GIRO = 2.5% (2.0% First $75,000 Salary, 4.0% Next $25,000)
Increase Average Daily Balance by S$500 monthly = 1.5%
+0.6% p.a. interest Charge S$500 OCBC 365, OCBC 90°N or OCBC Titanium Rewards
EIR = 4.65% p.a. on $100,000+ Savings
$4650 yearly, $388 monthly
UOB One
- Min $1600 Salary credit with code “GIRO-SALARY” or “PAYNOW-SALA” new
- Min Spend $500 on selected UOB Debit & Credit Cards
Eligible Credit Cards: UOB One, UOB Lady’s, UOB EVOL (NOT UOB Absolute Cashback)
Eligible Debit Cards: UOB One Debit, UOB Lady’s Debit, UOB Mighty FX Debit
With $100,000 savings, & fulfilling all criteria, you will earn EIR 5% p.a. (Better than OCBC 360 4.65%)
$100,000 * 5% = $5000 per year
Interest per month = $417
Example 1: With $100,000 savings
- Employee with Salary Credit
- Spend min $500 on credit card
- Min $500 incremental savings
OCBC 360: 4.65% p.a. = $388 IPM
UOB One: 5% p.a. = $417 IPM (winner)
Example 2: With $75,000 savings
- Employee with Salary Credit
- Spend min $500 on credit card
- Min $500 incremental savings
OCBC 360: 2+1.2+0.6 = 3.8% p.a. = $2850 interest = $237 IPM
UOB One: (30*3.85+30*3.9+15*4.85)/75 = 4.07% p.a. = $3052 interest = $254 IPM (winner)
Example 3: $100,000 with no card spend
- Employee with Salary Credit
- Min $500 incremental savings
OCBC 360: EIR = 4.05% p.a. = $4050 interest = $338 IPM (winner)
UOB One: EIR = 0.05% p.a. almost zero
#Sponsoredby #Webull
UOB ONE Current Account https://hmsg.link/oneaccount
STOCK BROKERS & INVESTING
🐮 moomoo SG (Free Stock) https://hmsg.link/sgmoomoo
🐯 Tiger Brokers SG Code HONEYMONEY (Free stock): https://hmsg.link/sgtiger
🐬 uSMART Securities Code nn8gx7 (Free Stock) https://hmsg.link/sgusmart
📝 POEMS Cash Plus: https://hmsg.link/poems
📈 Interactive Brokers: https://hmsg.link/ibkr
📗 Seeking Alpha Premium $99 ONLY https://hmsg.link/seekingalpha
🐯 Tiger Brokers International Code HMONEYSG: https://hmsg.link/ustiger
🐮 moomoo US by Futu Inc (Free Stocks) https://hmsg.link/usmoomoo
CREDIT CARDS & PAYMENT APPS
💳 Credit Cards Affiliate Links (Singsaver gifts) https://t.me/sgpromocode
💨 Dash PET 1.5% interest CODE DASH-RXQ45 https://hmsg.link/dash
🚌 Revolut SG https://hmsg.link/revolut
☯️ YouTrip ($5 Bonus) https://hmsg.link/youtrip
💰 iPayMy https://hmsg.link/ipaymy
💳 CardUp Use WAIKITC316 to get S$30 off the CardUp fee for first payment https://app.cardup.co/users/sign_up
✈️ SIA Kris+ App Code: C647172 https://hmsg.link/krisplus
😻 Favepay https://hmsg.link/fave
🅱️ BigPay $10 referral code KJN6MN5GS0 at http://bigpay.link/referrals
💴 Instarem Amaze https://hmsg.link/amaze
🙏Trust Bank Code: HUQPC614 https://www.trustbank.sg
🪺 Nestia $0.50 off SG-QR https://hmsg.link/nestia
🛒 NTUC Union https://hmsg.link/ntucunion
E-COMMERCE & SHOPPING
🛍 Lazada https://hmsg.link/lazada
🛍 Qoo10 https://hmsg.link/Qoo10
🛍 Shopback $5 https://hmsg.link/shopback
🛍 Shopback Pay Later $11 OFF https://hmsg.link/SBpaylater
⭐️ CapitaStar App $5 https://hmsg.link/capitastar
🏬 Lendlease Plus $5 referral code NsHQKY
🐠 Marina Square $5 referral code EoQjdG
ROBO-ADVISORS
☣️ Syfe Trade & Wealth: Use code HONEYMONEY @ https://www.syfe.com/
🦉 MoneyOwl RoboAdvisor Code: 8JPW-62FZ (FREE $20) https://hmsg.link/moneyowl
🤖 Endowus RoboAdvisor (FREE $20) https://hmsg.link/endowus
CRYPTO
♊️ Gemini (Free $10) https://hmsg.link/gemini
📒 Ledger Crypto Hardware Wallet https://hmsg.link/ledger
TRAVEL INSURANCE
✈️ MSIG Travel Insurance https://hmsg.link/msigtravel
✈️ Allianz Travel Insurance https://hmsg.link/allianztravel
✈️ Starr Travel Insurance https://hmsg.link/starrtravel
✈️ TIQ Travel Insurance https://hmsg.link/tiqtravel
PROFESSIONAL FINANCIAL PLANNING:
🤝 DareToFinance https://hmsg.link/daretofinance
If you sign up for any of these services using my link, I will earn a small commission which helps support my channel at NO additional cost to you. And you will definitely get some referral benefits as listed here!
Disclaimer: Information provided in the video are not meant to be taken as professional financial advice and are strictly for entertainment purposes only. The content shared is based on the creator’s personal experience and results may vary from each individual’s personal finance situation i.e. DYOR
🔭 Telegram Group: https://t.me/HoneyMoneySG
📷 Instagram @HoneyMoneySG Instagram: honeymoneysg
📧 Email (Business only): [email protected]
☕️ Buy me a Ko-fi: https://Ko-fi.com/honeymoneysg
💵 Patreon: Patreon: honeymoneysg
_________________________________________________
OCBC 360 (Salary, Save Spend)
Base interest = 0.05%
Salary credit $1800 by GIRO = 2.5% (2.0% First $75,000 Salary, 4.0% Next $25,000)
Increase Average Daily Balance by S$500 monthly = 1.5%
+0.6% p.a. interest Charge S$500 OCBC 365, OCBC 90°N or OCBC Titanium Rewards
EIR = 4.65% p.a. on $100,000+ Savings
$4650 yearly, $388 monthly
UOB One
- Min $1600 Salary credit with code “GIRO-SALARY” or “PAYNOW-SALA” new
- Min Spend $500 on selected UOB Debit & Credit Cards
Eligible Credit Cards: UOB One, UOB Lady’s, UOB EVOL (NOT UOB Absolute Cashback)
Eligible Debit Cards: UOB One Debit, UOB Lady’s Debit, UOB Mighty FX Debit
With $100,000 savings, & fulfilling all criteria, you will earn EIR 5% p.a. (Better than OCBC 360 4.65%)
$100,000 * 5% = $5000 per year
Interest per month = $417
Example 1: With $100,000 savings
- Employee with Salary Credit
- Spend min $500 on credit card
- Min $500 incremental savings
OCBC 360: 4.65% p.a. = $388 IPM
UOB One: 5% p.a. = $417 IPM (winner)
Example 2: With $75,000 savings
- Employee with Salary Credit
- Spend min $500 on credit card
- Min $500 incremental savings
OCBC 360: 2+1.2+0.6 = 3.8% p.a. = $2850 interest = $237 IPM
UOB One: (30*3.85+30*3.9+15*4.85)/75 = 4.07% p.a. = $3052 interest = $254 IPM (winner)
Example 3: $100,000 with no card spend
- Employee with Salary Credit
- Min $500 incremental savings
OCBC 360: EIR = 4.05% p.a. = $4050 interest = $338 IPM (winner)
UOB One: EIR = 0.05% p.a. almost zero
#Sponsoredby #Webull
2 سال پیش
در تاریخ 1401/10/07 منتشر شده
است.
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