I have been using OCBC Frank and placed my money there for years (<$10k) but their rates are low and I have been thinking of branching out. What would u recommend?

If you are between 18 to 26 years old, then you should consider Standard Chartered JumpStart account. This is because it gives an interest rate of 1% per annum for your first $20k balance. Furthermore, there is no fees and minimum balance required in order to maintain the account.

Moreover, it comes with a debit card that gives you 1% cashback on eligible spending. With this in mind, it is certainly a worthy account for a start.

Alternatively, you may consider CIMB FastSaver. This is because it gives an interest rate of 1% per annum for the first $50k account balance. In like manner, there is no monthly fee associated with maintaining the account. Hence, it is worth taking a look as well.

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Hey Anon, I'd recommend either the Singlife Account or Etiqa Elastiq. The Singlife account offers 2.5% interest p.a (non-guranteed) and is subject to changes anytime while Etiqa Elasitq offers a guaranteed 1.8% interest p.a on your initial deposit for the first 3 years.

If I were you, I'd close the OCBC Frank and use SCB Jumpstart as the main account for daily expenses etc. as the interest of 1% is higher than OCBC and the same as what CIMB Fastsaver offers. 1.85% for CIMB is only for deposits above $50k which is not applicable in your case, refer to Yang Teng's post for the details. I will then move a bulk into either Singlife Account or Etiqa Elastiq to enjoy the higher interest, leaving some funds in SCB Jumpstart for your daily expenses.

I've shared more about the Singlife account (using since January 2020) and Etiqa Elastiq (using since January 2019) here - https://seedly.sg/questions/singlife-2-5-for-fi... ​​​