With falling fixed deposit interest rates, where will I deposit 100K in 2025? Last year, when bank’s interest rates are at its peak, I placed my money in fixed deposits. In January, my fixed deposits are maturing, and I am not renewing them. This is because the most attractive bank fixed deposit in January 2025 is only giving me 3.05% per annum for a 6-month lock in period.
You may be guessing I will probably put the cash from my matured fixed deposit with Singapore Treasury Bills or Singapore Savings Bond. The cut off yield of the latest issue of Singapore T Bill (BS25101F) is only 2.99% per annum. The effective interest rate for SSB SBFEB25 GX25020H is 2.82% if you held it for 10 years. Thus, my answer is no, I will not be placing my money into Singapore T Bill or Singapore Savings Bond.
Where will I place my money if I had 100k? I would place my money in UOB Stash Account if I had 100K. Are you also wondering what is UOB Stash Account interest rate? As per the table below, I am able to earn up to 5% interest on my savings with UOB Stash Account.
UOB Stash Account Interest Rate
| Monthly Average Balance | Base interest (p.a.) | Bonus interest (p.a.) | Total interest (p.a.) |
| First S$10,000 | 0.05% | 0.00% | 0.05% |
| Next S$30,000 | 0.05% | 1.95% | 2.00% |
| Next S$30,000 | 0.05% | 2.95% | 3.00% |
| Next S$30,000 | 0.05% | 4.95% | 5.00% |
| Above S$100,000 | 0.05% | 0.00% | 0.05% |
If the table is too complicated for you, UOB Stash Account has a simple calculator that shows you how much estimated interest you will receive in 2025 if you consistently maintain 100K for 12 months. According to the calculator, I would receive a total interest amount of S$3004.91 if I placed 100K in UOB Stash Account from January to December 2025.
As UOB Stash Account is not a fixed deposit account, there is no lock in period for your savings money. Having said that, I will need to maintain or increase my Monthly Average Balance (MAB), as compared to the previous month to earn the 4.95% bonus interest.
As my fixed deposit matures, I will slowly transfer my money into UOB Stash Account. I will also probably cap the maximum deposit to 100K because any amount above that earns only 0.05% interest per annum.
This is not a sponsored post and solely based on my own research and opinion. With falling interest rates, I believe everyone like me is looking for the best place to park your money. If you like this post, do check out UOB Stash Account. Stash Account | UOB Singapore
hi, any idea why the interest from month to month changes from $255 then to $246 then back again? If you do not withdraw, shouldn’t the upcoming interest always be higher than previous month interest?
The tiered interest rates are misleading. Earning $3K for $100K deposit per year means only 3% interest, not the marketed 5% rate.