Hi Anon, I'm also a Pre-U Student! Great that you're focusing on optimising your savings to make your money work for you, hope the content over at Seedly Reads has been useful in helping you make your decision. Currently, I have 2 bank accounts open, SCB Jumpstart and DBS Multiplier. I use DBS Multiplier as my spending account, as DBS has a lot of atms, great mobile application and fast GIRO setups. Multiplier is great as there is a fall below fee waiver for individuals below 29 years old and above 20 years old (have to call to check, im not exactly sure). I also use DBS RSP for sti etf, which combined with salary credit, allow me to obtain a better interest rate than any other savings account. I then use SCB Jumpstart as my savings account, to get 2% p.a. with absolutely no conditions whatsoever! Just park your money there and forget it! Check back on the 31st of each month to see that juicy interest credited into your account :) All the best in your personal finance journey!