What bank account is the best for freelancers - no salary credited? Also, I have $15,000 of spare cash from NS POSB-SAYS - where should I park that money? the two year will be ending in a month+?

Hi there, with this ongoing pandemic, it does seem to me that the returns provided by the banks are extremely conservative and does not really make your money work as hard as you would want it to.
 
Here's an article that I chanced upon when researching as well: https://blog.moneysmart.sg/savings-accounts/bes...
 
With this said, there are many other financial platforms that you can explore to help grow one's wealth faster.
 
I am currently using Hugo Save which is a digital account that helps you spend, save & invest, starting with gold.I found investing in gold super interesting particularly as I want my money to grow but without the volatility that comes with investing in high risk options.
 
Starting your financial journey with Hugo Save is also very suitable for beginners where there isn't any minimum balance, penalties or paid fees required for maintaining a Hugo Account and you can invest in gold for as low as $0.01 and for as long as you want to. The gold in the hugo Gold Vault is physical gold allocated to the user and is safe.
 
Hope this will help you make a better decision and here's a link if you want to learn more about Hugo Save: https://www.hugosave.com/

You can park 10k with SingLife for 2.5% and the rest with SCB JumpStart for 2%. When you have more cash (waiting to deploy etc), you can consider CIMB FastSaver for 1% or take more risk to invest :)