Should I stick with my current OCBC account until I graduate before moving on to another savings account (+ credit salary) OR switch to another savings account (e.g. Standard Chartered Jumpstart) now?

Can consider Sif, RHB, CIMB, OCBC 360, SingLife or Trust Bank.

1. Put 10k into Singlife 2% p.a

2. 8k into GIGANTIQ 1.8% p.a

3. 2K liquid cash into Stan Chart Jumpstart 0.4% p.a

Now is time for you to consider how much expenses you have each month, minus that off and the remaining spare cash should be put to better use and SHOULD be invested. No point letting 18K or more spare cash just lying there while inflation (2.2% p.a) eats away your money's value over time.

Your Frank Account's interest rate is a miserable 0.05% which can't even cover inflation, so you should change bank account and get something higher yielding as soon as possible.

Remember: Inflation is real and its a silent killer. FYI: McFLurry is now $3.20 :)​​​