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Get more from your salary, built for working professionals

Turn every payday into an opportunity to earn more. Credit your salary and enjoy up to 4.1% p.a. with Multiplier or up to 3.5% p.a. with POSB Save As You Earn (SAYE).
DBS Multiplier: Make your salary work harder with up to 4.1% p.a. bonus interest when you credit your salary. No minimum salary amount needed.
POSB SAYE: Grow your savings automatically by setting aside part of your salary each month and earn 3.5% p.a. interest for the first two years.

Unlock more value when you credit your salary

Credit your salary with us for higher interest, smarter savings solutions and more rewards.
Earn up to 4.1% p.a. on your savings with DBS Multiplier Account.

DBS Multiplier Account

Earn up to 4.1% p.a. when you credit your income and use us for everyday banking!
Earn up to 4.1% p.a. on your savings up to S$100,000
Credit income and transact in at least credit card/PayLah! spend, home loan, insurance or investments to earn bonus interest.
No lock-in period
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Credit your salary and save monthly to earn an additional 3.5% p.a. cash gift interest*.

POSB SAYE Account

Credit your salary and save monthly to earn an additional 3.5% p.a. cash gift interest*.
Earn an additional 3.5% p.a. Cash Gift Interest on monthly savings for 24 months
Choose between S$50 to S$3,000 to set aside for your fixed monthly savings in multiplies of S$10
Keep every contribution successful and make no withdrawals to retain accumulated Cash Gift Interest.
Apply now Learn more
Earn up to 4.1% p.a. with DBS Multiplier
Use Multiplier for everything – savings, expenses and multi-currency transactions. Be rewarded with bonus interest on your Multiplier Account when you credit your salary to any DBS/POSB account of your choice. No minimum salary amount required.
Enjoy bonus interest rates on up to S$100,000. Flexibility to choose products and payment modes with no minimum transaction amount required.
Never underestimate the power of dual income. Credit both yours and your loved one’s salaries to a joint account to qualify for higher monthly transaction amounts, and higher interest rates. Pair it with SAYE and you can earn higher interest on up to S$172,0001 of savings.
1This is based on higher interest cap of S$100,000 balance in DBS Multiplier and a monthly savings of S$3,000 for 24 months in POSB Save As You Earn Account
Earn up to 4.1% p.a. with DBS Multiplier
Earn an additional 3.5% p.a. interest with POSB SAYE
Credit your salary with us to earn cash gift interest on your monthly savings amount for the first 2 years.
Flexible monthly savings amount, any amount between S$50 to S$3,000
Preferred Debiting Date, choose between the 1st and 25th of each month
Pair it with Multiplier and you can earn higher interest on up to S$172,0001 of savings.
1This is based on higher interest cap of S$100,000 balance in DBS Multiplier and a monthly savings of S$3,000 for 24 months in POSB Save As You Earn Account
Earn an additional 3.5% p.a. interest

Frequently Asked Questions