What is the best saving account that does not require credit card spending, salary credit and 3 x GIRO Bill?

I am assuming that you are asking because you like simplicity.

One simple option could CIMB’s FastSaver account.
Min. $1,000 for 1% up to max. $50,000.

Another simple option is CIMB’s StarSaver account.
Min. $1,000 for 0.8% with no cap, I believe.

Consider also Singapore Savings Bonds.
If you don’t need the money on tap, as redemption of SSBs is credited back to your bank account the following month.
Min $500 for variable % up to total $200,000.
$2 transaction fee applies.

If you have a large sum, Citibank’s MaxiGain is another option.
Min. $70,000 for up to 2.2%(depending on the SIBOR rate) on up to max. $150,000.

Have not included others such as Standard Chartered Bank’s eSaver account or UOB Stash account, as they have tiered interest rates for balances. Which I find not simple 🤓. They do mention the effective interest rate(EIR) in their small print though. Do check them out if you are interested or already have a banking relationship and want to keep it within the same bank.

Definitely the CIMB FastSaver, I'm using that for my Joint Account now:

CIMB FastSaver reviews: https://seedly.sg/reviews/savings-accounts/cimb...