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POSB Save As You Serve (SAYS)
Because you deserve more while serving the nation.
POSB Save As You Serve (SAYS)
At a Glance
Bundle your Multiplier account with our debit cards, PayLah! wallet and our suite of Financial Planning solutions to unlock higher interest rates and accelerate your NS savings!
As you do your part to secure our nation’s defence, let POSB help you get a head start in securing your financial future.
NS55 Promotions
Celebrate 55 years of National Service with our exclusive NS55 promotions
1. Get a S$55 cash gift when you credit your NS allowance and open a Multiplier Account. For full terms and conditions, click here.
- Step 1: Open a Multiplier account and register for this promotion.
- Step 2: Visit the NS Portal to update your NS allowance crediting account.
Here’s a bonus for you! Earn 0.55% p.a. on the first S$10,000 of your savings with a Multiplier Account. All you need is to credit your NS allowance and make retail purchases using PayLah!. No minimum amount required.
2. SAFRA DBS Debit and Credit Cards
- NS55 & SAFRA50 Anniversary: Get Jubilant with SAFRA’s 50th Anniversary and enjoy treats across F&B, transport and more!
- Debit Card new sign-ups: get up to 10% cashback on online food delivery and local transport with a minimum spend of S$500 within first two months from card approval date.
- Credit Card new sign-ups: Sign up with promo code ‘150SAFRA’, charge a minimum spend of S$800 within first two months from card approval date and get S$150 cash rebate.
3. HomeTeamNS-PAssion-POSB Debit Card new sign-ups: enjoy up to 2% cash rebate on your spending and HomeTeamNS & PAssion club memberships. Learn more here
For Pre-Enlistees
Getting ready to serve the nation? We’ve got you sorted
Now that you are starting your NS journey and beginning to draw a regular income, we’d like to share a #lifehack on winning the money game: The sooner you start planning your finances, the better off you’ll be.
To do that, the very first thing you will need to set up is a savings account for your salary. With good spending and saving habits plus a couple of #protips from us, you will be able to reach your financial goals faster and earn higher interest on your savings.
 | Boost your savings with 6x more interest with Multiplier and PayLah!No eligible income yet? We’ve got your back! Start by signing up for your Multiplier Account and transacting with PayLah! for retail spend. No minimum spending required. or convert an existing DBS AutoSave/ Multi-Currency Account/ My Account in digibank |
 | Get your insurance needs sorted with ProtectFirstSay hello to ProtectFirst. It’s a faster, affordable (starting from S$5/month!), and convenient way to start with the basics. From the big 5 critical illnesses (including early stage) to life protection and serious accidents, pick a plan type that suits you best and set the coverage you need most. |
 | Monitor your expenditure with DBS NAV PlannerDBS NAV Planner is an intuitive digital advisory tool that is built to grow with you as you begin your journey as an NS man. You can track, protect and grow your money all in one place – even if parts of it are not with DBS. |
 | Shop and get rewarded with these PayLah! DealsWith PayLah!, you are not only getting your everyday needs sorted, you can also redeem rewards points and take advantage of exclusive deals for meals, experiences and more! |
For NSFs
Build up your savings as you serve the nation
Now that you have a stable source of income, it’s time to start learning more about financial planning, starting your first investment and growing your pot of money. Enjoy higher interest with Multiplier + PayLah! retail spend to maximise your savings and NS paychecks. Plus, get exclusive SAFRA/HomeTeamNS benefits islandwide.
To do that, the very first thing you will need to set up is a savings account for your salary. With good spending and saving habits plus a couple of #protips from us, you will be able to reach your financial goals faster and earn higher interest on your savings.
 | Keep your NS savings fighting fit with up to 11x more interest!Multiply your money now with a higher interest rate of 0.55% p.a. on the first S$10,000 of your savings. All you need to do is to credit your NS allowance and make retail purchases using PayLah!. |
Read more
While saving during NS years may seem like an uphill battle, you’ll be surprised at how much it can all add up to after two years with a Multiplier Account.
Here’s how your money will grow, with no minimum balances required.
or convert an existing DBS AutoSave/ Multi-Currency Account/ My Account in digibank
| Shop and get rewarded with these PayLah! DealsWith PayLah!, you are not only getting your everyday needs sorted, you can also redeem rewards points and take advantage of exclusive deals for meals, experiences and more! |
 | Celebrate book-outs with cash rebatesEnjoy up to 2% cash rebate with no minimum spend when you use your SAFRA DBS or HomeTeamNS-Passion-POSB Debit Card. |
Read more
It’s your membership and Debit Card, both in one. Get more out of every dollar you spend with exclusive benefits islandwide.
- 2% cash rebate on your local MasterCard® contactless transactions
- 1% cash rebate on online transactions
- 0.3% cash rebate on all other retail transactions
More card privileges
- Access to SAFRA or HomeTeamNS Clubhouses & facilities
- Exclusive handpicked Amazing Treats and Birthday Treats offers
- Discounted passes to Universal Studios, Adventure Cove Waterpark and more
Debit Cards Terms & Conditions
 | Plan for your financial freedom with DBS NAV PlannerImagine having a #bff who can give you tips on reaching your financial goals and keep your spending in check, that’s us! Take a peek into your financial future and project your income and expenses 10, 20 and even 30 years ahead so you can start planning for goals like a wedding or your first house. Find out areas that are on track and which need improvement. |
 | Kick-start your first investment journeyDo you have an interest in investing but don’t know where to start? No sweat!
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All you need to succeed in life’s firsts
Embrace growing up as you grow with DBS
 | #Adulting can be overwhelming – we get it! But from doing what you want to buying what you want, it isn’t so bad now that you’re the master of your own universe. |
Frequently Asked Questions
Save As You Serve (SAYS)
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What is Save As You Serve (SAYS)?
As you do your part to secure our nation’s defence, let POSB help you get a head start in securing your financial future.
Bundle your Multiplier account with our Debit Cards, DBS PayLah! wallet and our suite of Financial Planning solutions to unlock higher interest rates and accelerate your savings! -
Do I need to switch my NS allowance from an existing DBS/POSB savings account to Multiplier Account?
No. You can continue to credit your NS allowance to an existing DBS/POSB savings account. You only need to deposit your savings in your Multiplier Account, and use PayLah! for pay for any retail purchase to enjoy the higher interest rates on your Multiplier Account balances.
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I’m going to serve my NS soon. When should I apply for the Multiplier Account?
You must be at least 18 years of age to apply for Multiplier Account. You’ll earn interest of 0.55% p.a. when you credit NSF allowance with us and use PayLah! for your retail spend, adding up to S$500 or more monthly. That’s 11X more compared to a regular savings account.
While waiting for enlistment, you’ll earn 0.30% p.a. on the first S$10,000 of your Multiplier Account savings, with any PayLah! retail spend amount.
Applying for a Multiplier Account
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Can I open more than 1 Multiplier Account?
You can only hold 1 Multiplier Account.
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When will I receive my interest?
The interest is credited into your Multiplier Account in 2 parts:
- Base interest: Credited on the last calendar day of the month
- Bonus interest (if any): Credited by the 7th working day of the following month
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Do I need to close my Multiplier Account after ORD?
No, you can keep the Multiplier Account and continue to earn bonus interest as long as you fulfil the bonus interest criteria.
If you do not have income credited to DBS/POSB and are 29 years old and below, you earn 0.3% p.a. on your Multiplier Account balances with PayLah! retail purchase of any amount.
Applying for HomeTeamNS-PAssion-POSB or SAFRA DBS Debit Cards
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Am I eligible for the HomeTeamNS-PAssion-POSB Debit Card or SAFRA DBS Debit Card?
For eligibility requirements, go here to find out more about the HomeTeamNS-PAssion-POSB Debit Card, or here for the SAFRA DBS Debit Card.
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How do I apply for a HomeTeamNS-PAssion-POSB Debit Card or a SAFRA DBS Debit Card?
Go here to learn more about the application process for the HomeTeamNS-PAssion-POSB Debit Card, or here for the SAFRA DBS Debit Card.
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Must I link my HomeTeamNS-PAssion-POSB Debit Card or SAFRA DBS Debit Card to my POSB SAYE account?
No, this is not mandatory. The debit cards only need to be linked to a DBS/POSB Current or Savings Account.
Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$75,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
Conversions between currencies involve fluctuations and are subject to exchange controls. If you are converting from another currency to place the deposit and intend to convert it to the original currency, exchange rate fluctuations could cause the converted amount to be less than your original amount.
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