Save As You Serve (SAYS): Get a head start on your financial future

Solutions for Pre-Enlistees

Navigating your finances in NS can be tough. That's why we've curated a range of solutions to help you save as you serve and reach your goals effortlessly.

My Account

Give your NS journey a headstart by opening a personal account. All it takes is a few minutes.

Receive your NS allowance, transfer funds, and more, all in one account

No minimum balance, no initial deposits, no service charge

Eligible for those age 16 and up

Learn more

PayNow

PayNow with DBS/POSB

Link NRIC/FIN to PayNow: Receive faster payouts from businesses and government entities

Link Mobile Number to PayNow: Send and receive money instantly from anyone with just a mobile number

Apply now

PayLah!

Live more with the Ultimate Everyday App

Get rides, book movies, order food in one app

Make payments effortlessly

Apply now

Solutions for NSFs

DBS Multiplier Account SAFRA DBS Debit Card PayNow PayLah!TravelLah!

DBS Multiplier Account

29 years old and below? Start earning 1.50% p.a. on your first S$50k when you spend with your DBS/POSB Credit Card and/or PayLah! monthly. No minimum spend required!

Earn 1.50% p.a. when you spend with DBS PayLah! monthly. No minimum spend

Boost it to 1.80% p.a. when you also credit your NS allowance with us

No initial deposit, no fees, no minimum balance, eligible for those age 18 and above

Learn more

Do I need to close my Multiplier Account after I complete my service?

Nope, you don't have to! Your Multiplier Account is your financial sidekick, ready to help you level up your finances whether you're an NSF, Student or Working Adult!

Here's an illustration on how to fulfill requirements to unlock bonus interest on your savings:

Frequently Asked Questions

The information herein is published by DBS Bank Ltd (“DBS Bank”) and is for general information only and should not be relied upon as financial advice. This publication may not be reproduced, or communicated to any other person without prior written permission. This website does not take into account the specific investment objectives, financial situation or needs of any particular person. Before entering into any transaction involving any product mentioned in this website, where applicable, you should seek advice from a financial adviser regarding its suitability for your own objectives and circumstances. If you choose not to do so, you should make an independent assessment and do your own due diligence on the product. This advertisement has not been reviewed by the Monetary Authority of Singapore. The website herein is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.

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$100,000 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$100,000 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.