Singapore Savings Bonds
SSB rate for October 2026: 2.32%
The 10-year average return on this month's issue, fully backed by the Singapore Government. Redeem any month with no penalty.
10-year average return
2.32% p.a.
Up from September (2.25%)1.65%
First-year rate
3.01%
Year-10 rate
Each point is one monthly issue. Source: MAS. Hover for exact rates.
Step-up rates for this issue
Interest increases each year you holdInterest is paid every 6 months, on 1 Feb and 1 Aug. Hold all 10 years for the full 2.06% p.a. average — or redeem any month and keep the interest accrued so far.
What would you earn?
Based on the August 2026 issueMinimum SGD 500, in multiples of SGD 500. Individual limit SGD 200,000. Interest shown is the sum of the step-up coupons for each holding period. Want to model your own rate or timeline? Use the compound interest calculator.
Total interest earned
SGD 2,348
How SSB compares right now
Rates as of 16 Jul 2026| Savings Bonds (SSB) | 6-month T-bill | 12-month fixed deposit | |
|---|---|---|---|
| Rate | 2.06% p.a. 10-yr avg · 1.46% in year 1 | 1.55% p.a. Latest cut-off yield | 1.60% p.a. Best board rate |
| Get money back | Any month, no penalty | At maturity (or sell on market) | Early withdrawal forfeits interest |
| Minimum | SGD 500 | SGD 1,000 | Varies, often SGD 10,000 |
| Backed by | Singapore Government | Singapore Government | Bank (SDIC up to SGD 100k) |
These returns are nominal — check what 2.06% is worth in real terms with the inflation calculator, or compare against other assets with the ROI calculator.
How to apply
Takes about 5 minutes if you have a CDP accountGet a CDP account
You need an individual CDP securities account with Direct Crediting Service, plus a bank account with DBS/POSB, OCBC or UOB. Applying with SRS funds? Go through your SRS operator instead.
Apply by 28 Jul, 9pm
Apply through your bank's internet banking, mobile app or ATM under Singapore Government Securities. A SGD 2 transaction fee applies. CPF funds cannot be used — see what your CPF already earns with the CPF calculator.
Get your allotment
Results are out on 29 Jul; bonds are issued on 3 Aug 2026. If the issue is oversubscribed you may receive less than you applied for — the refund goes back to your bank account.
See what the August 2026 issue pays
Enter an amount and holding period to see the interest, payout and average return.
More Singapore rates & tools: T-bill rate Income tax CPF Compound interest Inflation All rates
Important Disclaimer
For educational and informational purposes only. This page produces estimates based on the inputs provided and the official MAS-published figures for the August 2026 Singapore Savings Bond issue (SBAUG26 / GX26080T): a 10-year average return of 2.06% per annum, a first-year rate of 1.46%, SGD 300 million offered, a minimum investment of SGD 500 in multiples of SGD 500, and an individual holding limit of SGD 200,000. Applications close 28 July 2026, 9:00 pm; bonds are issued 3 August 2026. Interest is paid every 6 months on 1 February and 1 August. Calculator results show the sum of step-up coupons for the selected holding period.
No warranty of accuracy. While Money Snap takes reasonable care to source figures from official authorities (MAS), this page is provided “as is” without any express or implied warranty as to accuracy, completeness, timeliness, or fitness for any particular purpose. A new Savings Bond issue with different rates is announced every month — figures shown may be out of date — and allotment is not guaranteed: if an issue is oversubscribed you may receive less than you applied for. Bank fixed deposit and T-bill comparison rates change frequently and vary by bank and amount.
Not financial advice. Information provided is general in nature only and does not take into account your personal objectives, financial situation, or needs. Results do not constitute financial, tax, or legal advice and use of this page does not create an advisory relationship. Before relying on any figure shown, obtain personalised advice from a financial adviser licensed by the Monetary Authority of Singapore, and refer to the issue’s official terms and conditions before applying.
Limitation of liability. To the maximum extent permitted by law, Money Snap accepts no liability for any loss, damage, cost, or expense — direct or indirect — arising from reliance on this page or the information it produces. Users are responsible for verifying all figures with the relevant authority before relying on them. Use of this page is subject to our Terms of Use.