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Get a personal deposit account instantly
Apply on your digibank app using Singpass
Get a personal deposit account instantly
At a Glance
Wide range of account options
Pick what's best for you based on your needs and preferences.
Manage finances from anywhere and at any time
Seamless access to your account with online and mobile banking.
Perks and rewards
Take advantage of the exclusive promotions and open your account today!
Features & Benefits of the Personal Accounts
My Account
| Recommended for | Customers who want to transact in multiple currencies without maintaining a minimum balance. |
| How it works | You will not need to have an existing account to apply for My Account. With My Account, you can hold and convert up to 12 foreign currencies with no foreign exchange conversion fees. |
| Minimum Age | 16 years old |
| Fees | No initial deposit and you will not need to maintain a minimum daily balance. |
eMySavings Account
| Recommended for | Customers who desire higher interest rates by setting a fixed amount to be saved each month. |
| How it works | Set aside a monthly savings amount between S$50 to S$3,000 from your DBS/POSB Savings or Current account. This designated amount will be credited into your eMySavings account between the 1st and 25th of each month. Earn up to 0.25% p.a. interest on your monthly savings amount. You can amend the monthly savings amount and debiting date via digibank. |
| Minimum Age | 16 years old |
| Fees | No initial deposit and you will not need to maintain a minimum daily balance. |
Multiplier Account
| Recommended for | Customers who desire higher interest rates and the ability to use multiple currencies. |
| How it works | You will not need to have an existing account to apply for the Multiplier Account. Earn up to 4.1% p.a. on your savings. Access 13 currencies instantly with digibank at attractive exchange rate with no FX conversion fees. |
| Minimum Age | 18 years old |
| Fees | No initial deposit S$5 monthly fee for balances below S$3,000 on average per day. |
SAYE (Save As You Earn) Account
| Recommended for | Customers who credit their salary into a DBS/POSB Savings or Current account and desire to earn additional interest. |
| How it works | You must have an existing DBS/POSB Savings or Current Account as your salary crediting account. Salary must be credited via GIRO, with transaction reference codes ‘SAL’ or ‘PAY’. Set aside a monthly savings amount between S$50 to S$3,000 from your DBS/POSB Savings or Current account. This designated amount will be credited into your SAYE account between the 1st and 25th of each month. For the first 2 years, earn an additional 3.5% p.a. interest on top of the base interest on your monthly savings amount. You can amend the monthly savings amount and debiting date via digibank. |
| Minimum Age | 16 years old |
| Fees | No initial deposit and you will not need to maintain a minimum daily balance. |
Documents Required for Account Opening
Refer to the documents required for account opening before you proceed
Apply for your account instantly on digibank app
If you are a new DBS/POSB customer, you will only be able to open My Account and Multiplier Account via the digibank app.
Singaporeans, Permanent Residents, and Foreigners (EP/SP/DP /Long Term Visit Pass/Student Pass) can open a personal account instantly with Singpass.
Download digibank app
| Register for Singpass here | Your Singpass should be ready to use once your Personal details are displayed in your Singpass mobile app. Pro tip: Select Face Verification for instant registration. For foreigners: Have your FIN number and Singapore (+65) mobile number ready. |
| Unable to apply for Singpass | Select “CONTINUE WITHOUT SINGPASS” option and upload the supporting documents. |
To apply for a personal eMySavings and SAYE account, you must have an existing DBS/POSB Savings or Current Account.
Use the DBS Visa Debit Card for your transactions
When you open a personal account, you can opt for a DBS Visa Debit Card. Remember to activate your card before using it for payments, withdrawals, and transfers.
- Don’t have a Visa Debit Card yet? Click here to apply for a Visa Debit Card and it will be mailed to you within 5 working days.
- Alternatively, log in to the digibank app and tap on ‘More’ followed by ‘Cards’.
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