At a Glance

Principal guaranteed

Get back your investment amount back in full.

Suitable for the long-term

The longer you hold your bond, the higher the return.

Flexible redemption

If you need to cut short the redemption term, there is no penalty for exiting your investment early.


Features & Benefits


  • Principal guaranteed – You will always get the investment amount back in full, i.e. no capital losses.
  • Long-term investment – You can invest for up to 10 years and earn interest that increases over time. The longer you hold your bond, the higher your return.
  • Flexible redemption – You don’t have to commit upfront how long you want to be invested. You can get your funds back within a month, with no penalty for exiting your investment early.

How can you benefit?

  • Saving for retirement – Savings Bonds are a safe and flexible option to maintain the value of your nest egg.
  • Setting money aside for “rainy days” – you can earn step-up interest on your savings until you need the money.
  • Diversifying your investments – Savings Bonds can help you diversify risks and achieve an efficient portfolio.


Savings Bonds are a special type of Singapore Government Securities (SGS) with features that make them accessible and suitable to individual investors.

  • Eligibility – Individuals only
  • Term – 10 years
  • Interest – Paid every 6 months. At issuance, rates are fixed based on the prevailing SGS yields and locked in for each issue.
  • Issuance – Monthly
  • Redemption – Monthly, with no penalty. Principal and any accrued interest will be paid.
  • Investment amount – Minimum of $500, and subsequent multiples of $500 up to a cap to be announced.
  • Non-tradable – Savings Bonds are non-marketable securities and cannot be bought or sold in the secondary market.

How to Apply

Login now If you have iBanking
Apply now If you are a DBS/POSB customer but do not have iBanking

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