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Singapore Bank Savings Interest Rate 30 Years History

Period: 1985 – 2015

30 Years Bank Savings Interest Rate History Singapore Chart 1985-2015

Key Observations:



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1985 – 1990: Similar to most developing countries, Singapore had a high interest rate environment during the period.  Savings interest rates in banks was 6.3% in 1985 and ended at 2.98% in 1990.  Depositors earned a high savings rate during the period.

In 1985, Savings Account Pays 6.3% p.a.

1991 – 1996: As Singapore approached developed nation status, savings interest rates ranged lower: 2.72% –  3.73%.

1997 – 1998: Asia was severely affected by the Asian Financial Crisis in 1997 and interest rate spiked up to 3.49% in 1998.

1999 – 2002: The recovery was short-lived as the dot-com bust in 2000 followed by terrorist bombing of World Trade Centre in United States affected global economic growth.  Bank’s savings interest rates fell to 1.41%, 1.34% and 1.28% respectively for the period.

2002 – 2015: Bank savings rate stayed the lowest ever in the history of Singapore as savings interest rates fell to 0.75% and in 2015, 0.11%.

Many countries including Singapore had referenced monetary policies after the United States monetary policies.  Post-2001, US Federal Reserve was on an ultra-low interest rate policies till 2006.  The Federal Reserve Chairman was Alan Greenspan from 1987 – 2006.

As Singapore embarked on a journey to turn Singapore into a financial & wealth management hub, there was huge influx of funds into Singapore banks, keeping banks savings interest rate low for the entire period.

  • 1985: 6.3%
  • 1995: 2.93%
  • 2005: 0.23%
  • 2010: 0.16%
  • 2015: 0.11%
Bank Savings Interest Rates Data 1985 – 2015
1985 6.3 1995 2.93 2005 0.23
1986 5.03 1996 2.72 2006 0.26
1987 3.05 1997 2.72 2007 0.25
1988 2.75 1998 3.49 2008 0.25
1989 2.83 1999 1.41 2009 0.22
1990 2.98 2000 1.34 2010 0.16
1991 3.73 2001 1.28 2011 0.12
1992 2.7 2002 0.75 2012 0.11
1993 1.79 2003 0.44 2013 0.11
1994 1.85 2004 0.24 2014 0.12
2015 0.11

Source:

  • Monetary Authority of Singapore 2015
  • Leading 10 Banks & Finance Co. in Singapore
  • Average Interest Rates in All January



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