Starting out with Savings - OCBC360 & GXS Bank

Im kicking start with my career and looking to build my saving/emergency funds while maximising the interest but now sure if what i have in mind is the best way to go about.

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My current plan is:

• Salary credited to OCBC360
• Bills/daily transportations are paid from OCBC360
• A sum is set aside in OCBC360 for emergency fund
• A sum is transferred to GXS for allowance (since my expenses are done through Grab Wallet as i pay via the Grab Card and Grab is offering high points if paid with GXS)
• A sum is transferred to GXS for smaller savings travelling and etc (looking at the 3.48% p.a)

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• Standard Chartered Jumpstart has been mentioned for high interested and im within the age, considering to park my emergency funds there too but not sure if it's necessary

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Hoping to get some opinion and guidance!

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