Serving the nation builds your character to be stronger every day and POSB is proud to be growing along with you on your journey as an NSF. Starting with the new POSB Save As You Serve programme:

NSF Referral Promotion

Enjoy S$50 cash gift when you refer any two NSFs (National Servicemen Full-time) to sign up for the POSB SAYE Account! Available to the first 1,000 customers only. For more details, click here.

Save more with 2% p.a. interest*

You might think it's difficult to save during National Service. But it doesn't have to be. By saving as little as S$50 monthly, we're here to help you add up your savings after two years and grow it even further with 2% p.a. interest. Here's how you can get started:

Credit your salary

Choose your debiting POSB/DBS account to be linked to your POSB Save As You Earn Account.

Sign up for a POSB Save As You Earn (SAYE) Account

This is where your monthly savings will sit and grow.

Decide how much to save monthly
It could be any amount from as low as S$50. Here's a graph to show how much you can earn with S$100 saved monthly.

Choose your preferred monthly savings date
Tip: pick one close to your payday for better monthly budget control.

*To avoid any failed deduction, please ensure that there are sufficient funds in the debiting account by 7pm, one day before the monthly savings date.
#Accumulated Cash Gift Interest earned by Month-12 will be credited in Month-13.
#Accumulated Cash Gift Interest earned by Month-24 will be credited in Month-25.

Read more about the Terms and Conditions Governing POSB SAYE Account. Learn more about the base and additional interest rates here.

Tap to get 2% cash rebate#

  • 2% cash rebate# on your local MasterCard® contactless transactions
  • 1% cash rebate# on online transactions
  • 0.3% cash rebate# on all other retail transactions

No minimum spend required for Full Time National Servicemen (NSF).

#Cash rebate will be credited to the Cardmember's Card account in the form of HomeTeamNS$ / SAFRA$ within 90 days of the following month and can be redeemed at all HomeTeamNS / SAFRA clubhouses and participating merchants. Other terms apply.

Islandwide privileges to enjoy on your book out

You spend your precious weekends relaxing or hanging out with friends. So we've put together exclusive benefits and discounts from over 1,800 merchants for you to enjoy, everywhere you go.

HomeTeamNS-PAssion-POSB Debit Card

  • HomeTeamNS and PAssion benefits
  • Up to 2% cash rebate#

SAFRA DBS Debit Card

  • SAFRA clubhouses access
  • Up to 2% cash rebate#
For more privileges

Apply instantly.

Receive instant email acknowledgement when you apply online for your POSB Save As You Earn Account.

To open a POSB Save As You Earn (SAYE) Account, you must be at least 16 years old, and already have a DBS/POSB Savings/Current Account. Terms and conditions apply.

Sign up for these cards to enjoy more NSF-exclusive benefits.

HomeTeamNS-PAssion-POSB Debit Card


Apply now

Note: You will need to be a HomeTeamNS member prior to applying for the card.



SAFRA DBS Debit Card


Apply now