Do you use OCBC Bank as your savings account or DBS?

I love dbs multiplier.

As it is very flexible and do not make me spend on what's unnecessary.

I love it that i can hit all the different tier easily and without much risk.

I spend on my credit card on the essential such as my phone bill. Just $1 is enough

I buy the cheapest insurance to get the high interest rate. Just $10 is enough

I buy the least riskiest government bond ABF to get the high interest rate. Just $100 is enough

Overall, it's worthwhile for me to meet their criteria to get the high interest rate.​​​

I'm still sticking to DBS Multiplier. The banks have been slashing their interests and the difference is not big enough to motivate me to change accounts.

It really depends on how you earn and spend. Each bank has its terms and conditions to unlock higher interest tiers. For me, DBS Multiplier is the most flexible while offering something that's still decent.