At a Glance

Save more as you serve

Unlock higher interest rates when you open a Multiplier account, credit your NS allowance and spend with PayLah! (no minimum amount or spend required)

Live more and cash in on exclusive NSF deals

From cash rebates to merchant perks, we’ve got your everyday and NS needs sorted!

Learn how to plan and manage your finances

Training is important, but so is Financial Literacy. Get bite-sized tips to save, invest and more.


NSF Deals

  1. POSB PAssion Run For Kids NSF 10KM Team Challenge: Form a team of 4 NSFs and run for a good cause! Stand to win up to S$1.6K cash and first 500 NSFs who register with promo code <POSBNSF> by 08 October 2023 will get ALL their race fees waived.
    Register now.

  2. Multiplier Account: Receive up to S$130 cash reward for crediting your NS allowance to DBS/POSB! Register here by 31 October 2023.

  3. SAFRA Cards: Sign up for a SAFRA DBS Debit Card or Credit Card and get S$30 cash rebate* with minimum S$388 spend within the first 30 days from Card approval date. Plus, enjoy up to 2% cash rebate on your local contactless spend and online shopping.
    Terms and Conditions apply.

  4. POSB Save As You Earn: Receive an additional 3.5% p.a. interest on your savings for the first 2 years when you open a POSB Save As You Earn account, save a portion of your NS allowance and make zero withdrawals from the account.
    Learn more.

  5. MooLahTycoon Game: Level up your Financial Literacy knowledge and earn 10X more Moolah$ when you refer your friends. Top 3 players in the leaderboard rankings stand to win up to S$300 in cash prizes!
    Play now.



Multiplier Account

Now that you have started your NS journey and are drawing a regular income, we’d like to share a #lifehack on winning the money game: The sooner you start planning your finances, the better off you’ll be.

With a Multiplier account, you can enjoy higher interest rates and grow your savings while you serve the nation. Be rewarded with bonus interest on your Multiplier account when you credit your NS Allowance to any DBS/POSB account of your choice. No minimum salary amount required.

  • Step 1: Scan the QR code to open a Multiplier account on digibank.
  • Step 2: Credit your NS allowance and make any retail purchases with PayLah!

How it works

William receives S$755 monthly allowance credited to his DBS/POSB savings account and has DBS PayLah! Retail Spend of S$100.

With a total eligible transaction of S$855, he qualifies for interest of

  • 1.80% p.a. for the first S$50,000 and
  • Base interest rate for balance above S$50,000


Debit Cards


Enjoy cash rebates and perks exclusive to NSFs

  • Up to 2% cash rebate on your local MasterCard® contactless transactions
  • No minimum spend required for NSFs
  • Access to SAFRA/HomeTeamNS Clubhouses & facilities
  • Discounted passes to selected attractions
SAFRA DBS Debit Card

SAFRA DBS Debit Card

Apply now

Refer to full terms and conditions

PAssion POSB Debit Card

HomeTeamNS-PAssion-POSB Debit Card




Earn rewards seamlessly when you pay with DBS PayLah! for your everyday and NS needs.

Get the latest instant cashback promotions and DBS PayLah! stamp card rewards here.

Not on DBS PayLah! yet? Get S$5 when you download and register with promo ‘FIVELAH’ from now till 31 December 2023. For full terms and conditions, click here.

Download and register today for more convenience!

Download now
Find out more about DBS PayLah! here.

Monies in DBS PayLah! are a deposit. SGD deposits are insured up to S$75k by SDIC.


Investment & Insurance


Kickstart your investment journey and make your money work harder

Here are some ways for you to get started:

Apply now


Get 3-in-1 coverage with ProtectFirst

From the big 5 critical illnesses (including early stage) to life protection and serious accidents, ProtectFirst is an affordable and convenient way to get your insurance needs sorted.

Simply pick a plan type that suits you best and set the coverage you need most.

Find out more


Frequently Asked Questions

1. What is Save As You Serve (SAYS)?

As you do your part to secure our nation’s defence, let DBS help you get a head start in securing your financial future.

Bundle your DBS Multiplier account with our Debit Cards, DBS PayLah! wallet and our suite of Financial Planning solutions to unlock higher interest rates and accelerate your savings!

2. Do I need to switch my NS allowance from an existing DBS/POSB savings account to Multiplier Account?

No. You can continue to credit your NS allowance to an existing DBS/POSB savings account. You only need to deposit your savings in your DBS Multiplier Account, and use PayLah! for pay for any retail purchase to enjoy the higher interest rates on your Multiplier Account balances.

3. I’m going to serve my NS soon. When should I apply for the Multiplier Account?

You must be at least 18 years of age to apply for Multiplier Account. You’ll earn interest of 0.55% p.a. when you credit NSF allowance with us and use PayLah! for your retail spend, adding up to S$500 or more monthly. That’s 11X more compared to a regular savings account.

While waiting for enlistment, you’ll earn 0.40% p.a. on the first S$10,000 of your Multiplier Account savings, with any PayLah! retail spend amount.

1. Can I open more than 1 DBS Multiplier Account?

You can only hold 1 Multiplier Account.

2. When will I receive my interest?

The interest is credited into your DBS Multiplier Account in 2 parts:

  • Base interest: Credited on the last calendar day of the month
  • Bonus interest (if any): Credited by the 7th working day of the following month

3. Do I need to close my Multiplier Account after ORD?

No, you can keep the Multiplier Account and continue to earn bonus interest as long as you fulfil the bonus interest criteria.

If you do not have income credited to DBS/POSB and are 29 years old and below, you earn 0.40% p.a. on your Multiplier Account balances with PayLah! retail purchase of any amount.

More Multiplier FAQs

1. Am I eligible for the HomeTeamNS-PAssion-POSB Debit Card or SAFRA DBS Debit Card?

Click here to learn more about the HomeTeamNS-PAssion-POSB Debit Card, or here for the SAFRA DBS Debit Card.

2. Must I link my HomeTeamNS-PAssion-POSB Debit Card or SAFRA DBS Debit Card to my POSB SAYE account?

No, this is not mandatory. The debit cards only need to be linked to a DBS/POSB Current or Savings Account.

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$75,000 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$75,000 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.

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