Many businesses in Singapore manage their day-to-day operations through established banks like UOB, DBS and OCBC, using their business accounts for transactions and payrolls. While these accounts offer reliability and seamless payment systems, they typically provide minimal to no interest returns on idle cash. This means that surplus funds often remain underutilized.
With interest rates still elevated in 2025, this creates an opportunity cost for businesses that hold excess capital in low-yield accounts. That’s why more SMEs, startups, and finance teams are now exploring modern alternatives that can help grow their cash reserves more efficiently – all without compromising on access or security. This is where modern cash management and corporate treasury solutions come in.
In this article, we compare features and interest rates for popular business accounts in Singapore.
Table of Contents
- Why Choosing the Right Business Account Matters
- Comparison of Interest Rates for Top Business Accounts in Singapore: Guaranteed & Non-guaranteed
- Final Thought: Business Accounts Are Evolving
Why Choosing the Right Business Account Matters
Choosing the right business account isn’t just about payments and payroll. With traditional bank business accounts offering interest rates as low as 0.05%, many businesses in Singapore are losing out on thousands of dollars in potential earnings every year.
Today, businesses are sitting on larger cash buffers. In a high interest rate environment, idle cash becomes a strategic asset. That’s why more finance teams and businesses are turning to high-interest business accounts and modern cash management solutions to:
- Earn passive income on idle cash
- Improve overall business cashflow efficiency
- Maintain business liquidity while generating returns
- Avoid the opportunity cost of unused capital
Comparison of Interest Rates for Top Business Accounts in Singapore: Guaranteed & Non-guaranteed
Whether you’re exploring SGD or USD business accounts, here are some of the top options available in Singapore today.
Guaranteed Rates For SGD Business Accounts
| Financial Institution | Interest Rate (p.a.) | Term | Minimum Deposit | Maximum Deposit |
|---|---|---|---|---|
| Syfe for Business | Up to 2.30% | 1, 3, 6, 12 months | S$100,000 | – |
| ANEXT Bank | Up to 2.30% | 1, 3, 6, 9, 12, 18, 24, 36 months | S$250,000 | $5,000,000 |
| MariBank | 1.00% | – | – | – |
Guaranteed Rates For USD Business Accounts
| Financial Institution | Interest Rate (p.a.) | Term | Minimum Deposit | Maximum Deposit |
|---|---|---|---|---|
| Syfe for Business | 4.32% | 1 month | US$ equivalent of S$100,000 | – |
| ANEXT Bank | Up to 3.90% | 1, 3, 6, 9, 12, 18, 24, 36 months | US$250,000 | US$5,000,000 |
Non-guaranteed Rates For SGD Business Accounts
| Financial Instituition | Interest Rate (p.a.) | Term | Minimum Deposit | Maximum Deposit |
|---|---|---|---|---|
| Syfe for Business | 3.10% | Flexible | S$100,000 | – |
| Maribank | 2.62% | Flexible | – | – |
| Aspire | 2.05% | Flexible | – | – |
Non-guaranteed Rates For USD Business Accounts
| Financial Instituion | Interest Rate (p.a.) | Term | Minimum Deposit | Maximum Deposit |
|---|---|---|---|---|
| Syfe for Business | 4.30% | Flexible | US$ equivalent of S$100,000 | – |
| Aspire | 3.75% | Flexible | – | – |
Final Thought: Business Accounts Are Evolving
In 2025, simply parking cash in a traditional business account is no longer the most efficient strategy. With modern cash management platforms like Syfe, businesses can now earn more on their idle cash. Syfe for Business offers a smarter way for companies in Singapore to manage their funds by combining competitive yields, liquidity, and flexible investment solutions. Businesses can now put their surplus cash to work, earning more without sacrificing accessibility.
Get started with Syfe for Business today — and transform your treasury into a growth engine.
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