Singapore Savings Bonds

Build your
long-term savings
with Savings Bonds.

Savings Bonds are a special type of Singapore
Government Securities that is suitable for
individuals. They complement other savings
and investments as a safe way to save for
the long term.


How to apply




Savings Bonds are fully backed by the Singapore Government. In addition, you can always get your investment amount back in full with no capital losses.


Invest for up to ten years, with interest that increases over time. The longer you save, the higher your return.


Choose to exit your investment in any given month, with no penalties. There is no need to decide on a specific investment period at the start.





Paid every 6 months, on the 1st business day of the month


Monthly (At issuance, rates are fixed based on the average SGS yields the month before applications for that issue open, and is locked in for each issue)


10 years


Monthly, with no penalty

Principal and any accrued interest will be paid

Minimum investment

Minimum of $500, and in subsequent multiples of $500

Up to $50,000 per issue, and up to $100,000 in aggregate


Savings Bonds cannot be transferred or sold to another person


S$2 per transaction


Before you apply



You will need an OCBC savings/current account.
Click here to apply.


An individual CDP securities account.
You need to have your CDP securities account ready and linked to your bank account through Direct Crediting Service.

How to apply

At an ATM

Visit an ATM near you

Find nearest branch to apply


More information

For more information on Singapore Savings Bonds, please visit

For ATM related enquiries, please call OCBC at 1800-363-3333.