CashIntel
Singapore Cash Allocation Intelligence
One clear cash decision, without the rate-table noise.
Singapore cash options are fragmented across T-Bills, SSBs, fixed deposits, bonus savings accounts, and cash management platforms. CashIntel turns the noise into one clear move.
Best Yield
1.70%
Signal
MOVE
Cash Score
84/100
Recommended Move
Move idle cash toward Cash Management Account
Best fit for flexible idle cash, while keeping true emergency money in bank savings.
1.70%
↓ -0.30% vs previous snapshot
STRONG
84/100
Liquidity
High
Confidence
High confidence
yield
100
Liquid
92
safety
62
Simple
64
Fresh
84
1.70% indicated yield ranks strongly in today's cash universe
Market-linked safety profile
Usually no lock-in liquidity trade-off is clear enough for a simple decision
Returns are not guaranteed and may move with underlying funds.
Updated Apr 2026. Cash Score blends yield, liquidity, safety, simplicity, and freshness. Not sponsored placement.
Rate Accuracy
Singapore-only rates checked 2 May 2026
2 current, 4 watched, 0 stale. Manual snapshot now; auto refresh is the next data upgrade.
Lowest confidence
Medium
Source groups
6
Best watched FD now: RHB 6M at 1.50%
Tracking 10 indicative SGD FD signals across Singapore banks and finance companies. CashIntel shows only the few moves that may affect the cash decision.
RHB
6M · min S$20k
1.50%
Premier SGD promo
Bank of China
12M · min S$200k
1.40%
Higher-balance mobile promo
CIMB
6M · min S$10k
1.35%
Preferred online promo
Capital Environment
Tight Money
Borrowing cost is running meaningfully above cash yield. Context only; this does not change the Cash Score ranking.
Best Yield
1.70%
Lending
3.92%
Spread
-2.22%
Where should I put my money?
Enter idle cash. CashIntel gives the split, rationale, and warning.
Expected Yield
3.20%
Recommended Allocation
For $50,000, place $30,000 in T-Bill, keep $20,000 in Savings.
T-Bill
Main yield engine
$30,000
Savings
Ready cash
$20,000
Cash Sources
6
T-Bills, SSB, FD, savings, cash funds
Decision Speed
<5s
User sees the move before scrolling
Decision Model
5 Factors
Yield, liquidity, safety, simplicity, freshness
Top Options Today
A decision shortlist, not a bank comparison table.
Cash Management Account
1.70% · High liquidity · Market-linked · Score 84
Best for: Flexible cash seeking yield above simple savings
T-Bill (6M)
1.40% · Medium liquidity · Government-backed · Score 83
Best for: Idle cash that can sit untouched for 6 months
Singapore Savings Bond
1.40% · Medium liquidity · Government-backed · Score 82
Best for: Conservative cash that may need monthly exit flexibility
Money Market Fund
1.53% · High liquidity · Market-linked · Score 79
Best for: Cash-like allocation with market-linked yield
Market Direction
What changed enough to affect the cash decision.
T-Bill Yield Lower
Latest 6M cut-off is around 1.40%.
FD Promo Band Stable
SGD leaders cluster around 1.30%-1.50%.
Cash Funds Variable
Projected yields can move and are not deposits.
Related Intelligence
DemandIntel
Fast public answers for what is happening in Singapore now: mobility pressure, travel friction, airport flows, cruise traffic, and event movement signals.
Rate Alerts
Know when the cash decision changes.
Watch T-Bill yields, fixed deposit moves, savings-account changes, and cash management rates in one place. No feed overload--just a decision update when the signal changes.
Ranked by decision quality, not sponsored placement.