Singapore’s financial system is one of the most advanced in Asia, offering a wide range of savings and investment products designed for both short-term and long-term growth. Among these, daily return or daily interest accounts have become increasingly popular for those who want to see their money grow every single day — even while they sleep.
Below is a detailed list of popular platforms in Singapore that offer daily returns or daily interest accrual, suitable for both individuals and small investors.
1. GrabPay Earn+ (by Grab and Fullerton Fund Management)
Type: Micro-investment / Cash Management Fund
Returns: Daily accrual (around 3.5% – 4.2% p.a.)
Minimum Deposit: SGD 1
How It Works:
GrabPay users can invest their wallet balance through the Earn+ feature, which automatically allocates funds into a money market fund managed by Fullerton Fund Management. Returns are calculated daily and reflected in your balance, allowing you to track growth in real-time.
Pros:
✅ Easy to start with just SGD 1
✅ Returns accrue daily
✅ Funds can be withdrawn anytime into GrabPay
Cons:
❌ Market-linked returns (not fixed interest)
2. GXS Bank (Digital Bank by Grab & Singtel)
Type: Digital savings account
Returns: Daily interest (up to 3.48% p.a.)
Minimum Deposit: No minimum
How It Works:
GXS Bank offers a Savings Pocket system where interest is computed daily and credited monthly. Users can create multiple “pockets” for different goals (travel, emergency fund, etc.), and the app displays daily interest growth transparently.
Pros:
✅ Interest calculated daily
✅ Flexible withdrawals anytime
✅ 100% regulated by Monetary Authority of Singapore (MAS)
Cons:
❌ Payout monthly, not daily credit
3. Trust Bank (by Standard Chartered & FairPrice Group)
Type: Digital bank savings
Returns: Daily accrual (up to 3.5% p.a.)
Minimum Deposit: No minimum
How It Works:
Trust Bank’s savings account offers interest calculated daily, and it’s credited monthly. The rate depends on spending habits, credit card usage, and FairPrice LinkPoints membership. This system rewards users with higher rates for active account use.
Pros:
✅ Daily interest calculation
✅ Easy integration with FairPrice ecosystem
✅ No hidden fees
Cons:
❌ Requires spending or card usage for maximum rate
4. Moomoo Cash Plus (by Moomoo Singapore)
Type: Cash management investment
Returns: Daily (around 3.8% – 4.5% p.a.)
Minimum Deposit: SGD 1
How It Works:
Cash Plus invests your balance into money market and short-term bond funds, providing daily interest accrual. Your returns are visible daily within the app, and funds are available for withdrawal within 1–2 business days.
Pros:
✅ High daily yield
✅ Transparent performance tracking
✅ Regulated by MAS
Cons:
❌ Market risk (not principal-guaranteed)
5. Syfe Cash+
Type: Cash management portfolio
Returns: Daily (projected 3.6% – 4.2% p.a.)
Minimum Deposit: SGD 1
How It Works:
Syfe Cash+ invests in low-risk money market instruments and short-term bonds. Interest is calculated daily and added to your account balance automatically, giving users daily compounding returns.
Pros:
✅ Low risk
✅ Daily compounding
✅ Easy withdrawal anytime
Cons:
❌ Returns vary based on market performance
6. StashAway Simple
Type: Cash management portfolio
Returns: Daily (3.5% – 4% p.a.)
Minimum Deposit: No minimum
How It Works:
StashAway Simple invests in low-volatility funds that distribute returns daily. Users can see their earnings grow day by day, although interest is credited monthly. It’s one of the simplest platforms for hands-off investors.
Pros:
✅ Simple, automated investing
✅ Daily accrual of earnings
✅ Regulated by MAS
Cons:
❌ No guaranteed return
🧭 Final Thoughts
If you’re looking for daily return savings options in Singapore, platforms like GXS Bank, GrabPay Earn+, and Syfe Cash+ are excellent starting points.
They combine flexibility, safety, and consistent growth — perfect for modern savers who prefer visible daily progress rather than waiting for annual dividends.
💡 Pro Tip:
To maximise your returns —
- Choose low-risk, high-liquidity platforms
- Reinvest your daily returns to compound faster
- Diversify across 2–3 platforms for stability
In short, daily-return accounts in Singapore are reshaping the way people save. Whether you’re a beginner or a seasoned investor, these tools let your money work for you — every single day.
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