INTEREST RATES & FEES

Current Interest Rates

Effective March 2026. Reviewed monthly and always competitive.

4.75% p.a.Savings Account

5.10% p.a.Term Deposit 12M

From 8.99% p.a.Personal Loan

Savings & Deposit Rates

All rates variable unless stated. Effective March 2026.

Account Type	Interest Rate	Frequency	Min Balance	Access	Notes
High-Interest Savings	4.75% p.a.	Monthly	None	Instant	Variable rate
Term Deposit — 3 months	4.50% p.a.	At maturity	$1,000	At maturity	Fixed rate
Term Deposit — 6 months	4.80% p.a.	At maturity	$1,000	At maturity	Fixed rate
Term Deposit — 12 months	5.10% p.a.	At maturity	$1,000	At maturity	Highest fixed rate
Business Savings	4.25% p.a.	Monthly	$5,000	Instant	Variable, business accounts only
Current Account	0.00%	—	None	Instant	Transaction account

HOW WE COMPARE

How do our rates compare?

Compared to typical major bank rates as of March 2026.

	Bank of Asia	Major Bank A	Major Bank B	Major Bank C
Savings Rate	4.75% p.a. ⭐	~1.50% p.a.	~1.80% p.a.	~2.10% p.a.
Term Deposit 12M	5.10% p.a. ⭐	~3.50% p.a.	~3.80% p.a.	~4.00% p.a.
SWIFT Fee	$15 flat ⭐	$25–$40	$28–$45	$30–$50
Monthly Account Fee	$0 ⭐	$5–$15	$0–$10	$10–$20

⚠ Competitor rates are indicative estimates based on publicly available data. Always verify with the relevant institution.

⚖️ Rate Disclaimer & Legal Information

Interest rates displayed are current as of March 2026 and are subject to change with 30 days' notice. Variable rates may change at any time without notice. Bank of Asia Online is a regulated digital financial institution. All deposits are held in segregated custodian accounts. Interest is calculated on the daily closing balance and credited as stated. Term deposit rates are fixed for the agreed term and cannot be changed after the deposit is placed. Loan rates are indicative and subject to credit assessment. Bank of Asia is not a member of the Financial Claims Scheme (FCS). Past interest rates are not a guarantee of future rates.

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Bank of Asia

Account Type

Interest Rate

Frequency

Min Balance

Access

Notes

High-Interest Savings

4.75% p.a.

Monthly

None

Instant

Variable rate

Term Deposit — 3 months

4.50% p.a.

At maturity

$1,000

At maturity

Fixed rate

Term Deposit — 6 months

4.80% p.a.

At maturity

$1,000

At maturity

Fixed rate

Term Deposit — 12 months

5.10% p.a.

At maturity

$1,000

At maturity

Highest fixed rate

Business Savings

4.25% p.a.

Monthly

$5,000

Instant

Variable, business accounts only

Current Account

0.00%

—

None

Instant

Transaction account

How do our rates compare?

Compared to typical major bank rates as of March 2026.

	Bank of Asia	Major Bank A	Major Bank B	Major Bank C
Savings Rate	4.75% p.a. ⭐	~1.50% p.a.	~1.80% p.a.	~2.10% p.a.
Term Deposit 12M	5.10% p.a. ⭐	~3.50% p.a.	~3.80% p.a.	~4.00% p.a.
SWIFT Fee	$15 flat ⭐	$25–$40	$28–$45	$30–$50
Monthly Account Fee	$0 ⭐	$5–$15	$0–$10	$10–$20

⚠ Competitor rates are indicative estimates based on publicly available data. Always verify with the relevant institution.