For those who use accounts like the DBS multiplier, do you create separate savings and expenses accounts? If you do how do you maximise savings?

If you can, open a SCB Jumpstart account then use that as your "spending account". Eg. when your pay comes in, set up a standing order to transfer $x into the spending account immediately. Spend as you would on your DBS CC, then when its time to pay the bill, use the funds in your spending account to pay. In this way, you can treat your dbs acc as your savings account and use the scb jumpstart as your spending

Hi! I am currently switching between DBS Multiplier and OCBC360 to credit my salary + spending (cards) to determine which one gives me better interest rates given my eligible transactions. I'd say you can consider the investment and insurance categories as well, if applicable to you. Bulk of my savings then go to Singlife (interest up to 2.5%).