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Supercharge your savings with certainty at 3.7% p.a.

Access real, optimised rates now with no minimum requirement

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illustration
illustration
portfolio-icon
portfolio-icon
portfolio-icon

Supercharge your savings with certainty at 3.7% p.a.

Access real, optimised rates now with no minimum requirement

illustration
illustration
illustration
portfolio-icon
portfolio-icon
portfolio-icon

Supercharge your savings with certainty at 3.7% p.a.

Access real, optimised rates now with no minimum requirement

illustration
illustration
illustration
portfolio-icon
portfolio-icon
portfolio-icon

Supercharge your savings with certainty at 3.7% p.a.

Access real, optimised rates now with no minimum requirement

illustration
illustration
illustration
  • Card Icon
    Capital & returns guaranteed
    3.7% p.a.
  • Card Icon
    Optimised rates from Singapore banks
    (Current: HSBC)
  • Card Icon
    No min, no cap, no fees
  • Card Icon
    3-month term with flexibility to reinvest
  • Beat uncertainties with a guarantee
    Funds are invested in fixed deposits through an MAS-regulated bank giving you superior guaranteed returns.
    circledTick
    Current Rate
    3.7% p.a.
    circledTick
    Term
    3 months
    circledTick
    Min Investment
    No limits
    circledTick
    Management Fee
    Waived
    Optimised rates, always
    Syfe gets the latest figures from numerous bank providers in Singapore and secure attractive guaranteed rates so that you don’t have to. Find out more
    Earn higher guaranteed returns compared to savings or fixed deposits for your idle cash.
    0%1%2%3%4%
    0.05%
    Regular savings account
    68X
    3.4%
    Fixed deposit account
    74X
    3.7%
    Cash+ Guaranteed
    Cash+ Guaranteed is a managed investment portfolio, and should not be taken as a deposit. Until the investment is locked in, the rate is subject to change. Investment capital and returns are guaranteed subject to underlying bank risk. See how we compare.

    How Cash+ Guaranteed is different

    Cash+ Flexi
    Cash+ Guaranteed
    Fixed Deposit Account
    Money market funds
    (via Lion Global)
    Underlying
    Fixed deposits
    (via HSBC)
    Bank Fixed Deposit
    (Direct bank)
    3.7% p.a. projected
    Return rate
    3.7% p.a. guaranteed
    3.4% p.a.* guaranteed
    No
    Capital guaranteed
    Yes
    (subject to underlying bank risk)
    Yes
    (subject to underlying bank risk)
    None
    Term
    3 months
    3 months (Depends on the tenor)
    Any time
    Withdrawal
    End of term
    End of term or will incur penalty
    None
    Minimum deposit
    None
    Depends on the tenor and bank
    No
    SDIC insured
    No
    Yes, up to S$75K
    *Fixed deposit account benchmarks are taken from the highest 3-month tenor rates offered by Singapore banks, including promotional rates. Updated as of 28 August, 2023.
    Accelerate compounding with shorter durations
    Leverage the power of compounding when you opt in for auto-reinvesting at maturity
    At 3.7% p.a. your returns in
    3 months
    S$912
    1 year
    S$3,752
    5 years
    S$20,220
    For S$100,000 invested
    This calculator illustrates the guaranteed returns you will get at the prevailing rate if it matures on a business day. If that is not the case, the investment will end on the next business day instead, and you will earn pro-rated returns for the additional days.

    Frequently asked questions

    How does Syfe work with bank providers to secure optimised rates?

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    Syfe maintains partnerships with various banks regulated by MAS (Monetary Authority of Singapore) that offer fixed deposits. We regularly assess the rates from these providers, along with market rates, to ensure that Cash+ Guaranteed rate remains competitive.

    How are the returns guaranteed?

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    Returns are guaranteed as we invest your funds in a fixed deposit with a partner bank (subject to underlying bank risk). When the term ends, you will receive returns from the underlying fixed deposits at the guaranteed rate that you had secured at the beginning of the lock-in period.

    Will there be a change in the guaranteed return?

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    After locking in your guaranteed rate, it will not change during the entire 3 months lock-in period.

    Why doesn’t Cash+ Guaranteed charge users a fee?

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    From the rate we obtain from our partner bank, we take a slight margin before extending to you a rate that is still very attractive in the market. Once you lock-in this rate, your Cash+ Guaranteed portfolio is assured to provide returns at the same rate. Our commitment is to deliver exceptional products, coupled with an unparalleled user experience, and this margin facilitates our ability to fulfill that commitment.

    Am I able to top-up or withdraw my money before the end of the term?

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    After locking in the Guaranteed portfolio, you will not have the option to make top-ups or withdrawals for a period of 3 months or until the term ends.

    You may consider creating an additional Cash+ Guaranteed portfolio, allowing you to have multiple portfolios maturing on different dates and earning guaranteed returns simultaneously.

    Over 100,000+ investors trust Syfe to
    grow their wealth

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    Syfe

    Pronounced as
    Sounds like life

    Why the name Syfe?
    In Japanese, the word Saifu means wallet and to be closely associated with our most important attribute - which is the word safe

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    This website is developed and operated by Syfe Pte. Ltd. (“Syfe”), which holds a Capital Markets Services Licence and is regulated by the Monetary Authority of Singapore (Co. Reg. No. 201834952H). The information contained herein is provided for general information only and should not be used as a basis for making any investment or business decisions. Past performances are not necessarily indicative of future performances. Investment involves various risks, and you should ensure that you fully understand the risks, characteristics, and restrictions by reading the Risk Disclosure Statement, and determine if the investment products are suitable for your financial situation, investment objective, and risk tolerance before making any investment decisions. You are recommended to obtain independent professional advice where appropriate. All return figures shown are presented for informational purposes only and are not indications, predictions, forecasts, nor guarantees of future performance results, or the quality of an investment, are subject to change without notice and may differ or be contrary to opinions expressed by others. Syfe does not take responsibility for the calculation of assumed target returns, no representation or warranty is given as to the adequacy or reasonableness of the methodologies or assumptions used in calculating assumed target returns, and no reliance should be placed on any assumed target return. All rights reserved. Use of this website is governed by the Terms of Use. The content contained on this site is provided to users “as-is” without any express or implied warranty. Any third-party trademarks (including logos and icons) referenced in this website or the Syfe application are and remain the property of their respective owners and do not represent endorsements of any kind. Unless specifically identified, the use of third-party trademarks by Syfe and/or its affiliates does not indicate any relationship, sponsorship, or endorsement between Syfe and/or its affiliates and the owners of the trademarks and/or their respective affiliates. Any references by Syfe to third-party trademarks are intended to identify the corresponding third-party goods, services, and/or entities for informational and identification purposes. Any notification from the Syfe application is not a product advertisement that has been reviewed by the Monetary Authority of Singapore. This advertisement has not been reviewed by the Monetary Authority of Singapore.
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