Is it possible to split salary to credit different bank accounts to maximise interest earned (avoiding caps) whilst fulfilling the salary credit requirement?

You will need to check with your HR on whether they are willing and able to credit salary into two different bank accounts.

For DBS Multiplier, it is aggregated on total monthly eligible transactions. Therefore, you need to know the total amount that are transacted in order to maximise the interest rate tier.

For UOB One, there is no incentive to spend between $500.01 to $999.99 for the card. On the other hand, the advantage is the ability to get higher interest rate for the balance in your account.

For OCBC 360, there are various tiers that you can fulfil to get higher interest. Therefore, you need to know which tier you will be eligible for.

For Standard Chartered Bonus$aver, it works similar to OCBC 360 - need to know how many tiers you can reach.

In summary, you need to know your cashflow well in order to maximise the interest earned.

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