5 Best Neobank Savers in Singapore (2026) — Trust vs GXS vs MariBank vs Chocolate vs StashAway Simple

Up to 4.0% p.a. on the first S$25,000 in SavingsPot, but only when paired with monthly spend on the NTUC+ card (Trust's co-branded credit card with FairPrice). Below the spend threshold, base rate is 1.5%. Trust is fully SDIC-insured (Standard Chartered backing). Best for: NTUC FairPrice regulars who'd be using the NTUC+ card anyway — the spend requirement becomes a non-issue.

Flat 3.21% p.a. on the first S$50,000, no conditions whatsoever — no salary credit, no card spend, no minimum balance, no monthly fees. Above S$50k, base rate around 0.5%. SDIC-insured (Sea Group / Shopee parent's bank). Mari Credit Card adds S$30 welcome cashback for new users (spend S$300 in 30 days). Best for: anyone who wants the highest stress-free rate with zero hoops.

GXS Saving Pockets gives 2.78% on the main account + an additional bonus rate (up to 3.48% p.a. total) when you create separate 'savings pockets' for goals (e.g. holiday fund, emergency fund). Cap S$95,000 across pockets. SDIC-insured (Singtel/Grab consortium). Best for: goal-based savers who like organising money mentally — the pocket structure makes it harder to dip into emergency funds for impulse spending.

Targets 2.0% p.a. on the first S$20,000 SGD (1.8% thereafter), and 4.5% p.a. on USD up to US$50,000. NOT a bank — it's a Capital Markets Services licensee that invests in fixed-income instruments. Chocolate has been running a returns guarantee on the first S$50k SGD / US$50k USD — topping up any shortfall — in dated windows that it refreshes periodically; check its site for the current guarantee period. Funds held with custodians (HSBC, State Street). Best for: USD-cash holders looking for higher yield than SGD savings.

StashAway's cash management arms. Simple targets 2.1% p.a. (low-risk T-bills + bank deposits). Simple Plus targets 3.7% p.a. (slightly higher-risk corporate debt + ETF). Both have no lock-in, no minimum, and instant withdrawals (1 working day). New users get welcome bonuses (+0.5% on Simple, +1% on Simple Plus). NOT SDIC-insured (StashAway is a CMS licensee, not a bank), but funds are with regulated custodians. Best for: investors comfortable with money-market risk who want the highest yield without locking up cash.