Syfe for Business presents a new cash management solution in its corporate suite of products. Here’s how it will benefit your business.
Cashflow is one of the key concerns for many SMEs. Business owners are typically focused on managing excess cash for operational needs, working capital, or future growth. Therefore, when it comes to their operational funds, their priorities would include liquidity, safety, and returns that can keep pace with inflation or cashflow needs.
Syfe’s cash management portfolios offer the liquidity, safety, and returns that business owners are looking for. Syfe Cash+ Guaranteed is a capital-guaranteed portfolio that is designed to maximise returns on your cash while ensuring capital safety by securing the most attractive rates from banks in Singapore.
And following the success of Cash+ Guaranteed SGD, customers have clamoured for a USD solution. We are thus excited to launch Cash+ Guaranteed USD to help businesses grow their existing USD funds, or gain exposure to another currency.
What is Cash+ Guaranteed USD?
Cash+ Guaranteed USD is a short-term, low-risk cash management solution offering a competitive 4.3% p.a. return for one month lock-in. Your funds are placed in fixed deposits with MAS-regulated banks, ensuring both security and stability. There are no hidden fees, and you enjoy the flexibility of rolling over your investment monthly.
Key Features:
- 4.3% p.a. return for 1 month (as of 24 March 2025)
- Capital and return are guaranteed
- Invested in fixed deposits with MAS-regulated banks
- No minimum and no fall-below fees
Why Businesses Choose Cash+ Guaranteed USD for Treasury Management
Cash+ Guaranteed USD is designed for businesses seeking to increase USD exposure or looking to diversify their currency holdings. It allows business owners to invest in US Dollars, allowing you to optimise returns while mitigating risk. You are able to invest and withdraw in SGD seamlessly, and we’ll handle the conversion without FX conversion fees.
For business owners and finance teams, Cash+ Guaranteed USD is an attractive alternative to traditional bank deposits, offering:
- Higher yields vs. bank deposits – Many corporate accounts earn significantly lower interest rates, often varying from 3.64–4.12% p.a., and require a minimum deposit
- Capital safety – Unlike riskier investment products, your funds are placed in fixed deposits with regulated banks, ensuring peace of mind.
- Short-term liquidity – With a lock-in period of 1 month, this is ideal for managing excess cash without sacrificing too much on liquidity.
- No complexity – Simple setup with no hidden fees or complicated structures.
How Do Our Rates Compare With Bank Deposits?
Based on market research, many banks offer corporate fixed deposit rates well below 4.3% p.a., particularly for short tenures. Here’s how Cash+ Guaranteed USD stacks up:
| Syfe Cash+ Guaranteed USD | Major Banks | |
| At S$100K, with 1 month lock-in | 4.3% p.a. flat | ~3.84% – 4.12% p.a.* on a tiered basis |
By choosing Cash+ Guaranteed USD, businesses can earn higher returns without compromising security, making it a smarter alternative to traditional bank deposits.
Get Started Today
Enhance your treasury management with Cash+ Guaranteed USD and put your idle cash to work—securely and efficiently. Reach out to us today to learn more, or apply for a corporate account and start investing.
Read More:
A Comprehensive Guide to Syfe’s Cash+ Guaranteed
The Hidden Profit Center: How Smart Treasury Management Can Skyrocket Your Business Growth
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