IMPORTANT: Before applying, please refer to our guide for details on the application process and requirements, and commonly asked questions.

At a Glance

Fully backed by the Government

 

A sound way to diversify your investment portfolio

 

Earn regular interest

 

SGS Bonds

SGS Bonds are tradable government debt securities that pay a fixed interest every 6 months.

SGS Bonds can help you:

  • Diversify your investment portfolio.
  • Receive a fixed, steady income until the bond matures.
  • Invest in a safe, long-term product.

For more information, you can refer to MAS SGS Bonds.


To Apply New Issues

Cash Supplementary Retirement Scheme (SRS) *CPFIS Ordinary Account CPFIS Special Account
Please log in to digibank Online or digibank app from 6pm on Announcement Date to 1 business day before Auction Date at 9pm.


*Note: Foreigners applying using their CPFIS-OA Account will need submit their applications at any DBS/POSB branch (within the same application timelines)
You may visit any DBS/POSB branch to submit your applications from the announcement date to 2 business days (before 10 am) before the auction date.

To Buy or Sell Existing Issues

Buying

  • Clients can select from a wide range of issues that are in the market now, subject to availability.
  • Traded at the current market value. The value changes on daily basis.
  • Using SRS and CPF funds, please note that ONLY DBS SRS account holders and DBS CPFIA holders are able to buy or sell T-Bill issues through DBS. Otherwise, please reach out to your agent bank for application.


Selling

  • Sold at the current market value. The value changes on daily basis. Selling prior to maturity may result in losses.
  • Using SRS and CPF funds, please note that ONLY DBS SRS account holders and DBS CPFIA holders are able to buy or sell T-Bill issues through DBS. Otherwise, please reach out to your agent bank for application.

Cash Supplementary Retirement Scheme (SRS) CPFIS Ordinary Account CPFIS Special Account
If you have a DBS Vickers account, please log in to digibank.

You may also visit any DBS/POSB branch to submit your applications.
If you have a DBS Vickers account, please log in to digibank.

You may also visit any DBS/POSB branch to submit your applications.
If you have a DBS Vickers account, please log in to digibank.

You may also visit any DBS/POSB branch to submit your applications.
You may visit any DBS/POSB branch to submit your applications.

All new/existing CPFIS investors would need to take the Self-Awareness Questionnaire (SAQ).

For more information on SGS Bonds, please visit our Help & Support article.

 

Treasury Bills (T-Bills)

Treasury Bills (T-Bills) are short-term Singapore Government Securities (SGS) issued at a discount to their face value. Investors receive the full face value at maturity. The Government issues 6-month and 1-year T-bills.

SGS Bonds can help you:

  • Diversify your investment portfolio
  • Receive a fixed interest payment at maturity
  • Invest in a safe, short-term investment option

For more information, you can refer to MAS T-Bills.


To Apply New Issues

Cash Supplementary Retirement Scheme (SRS) *CPFIS Ordinary Account CPFIS Special Account
Please log in to digibank Online or digibank app from 6pm on Announcement Date to 1 business day before Auction Date at 9pm.


*Note: Foreigners applying using their CPFIS-OA Account will need submit their applications at any DBS/POSB branch (within the same application timelines)
You may visit any DBS/POSB branch to submit your applications from the announcement date to 2 business days (before 10 am) before the auction date.

To Buy or Sell Existing Issues

Buying

  • Clients can select from a wide range of issues that are in the market now, subject to availability.
  • Traded at the current market value.  The value changes on daily basis.
  • Using SRS and CPF funds, please note that ONLY DBS SRS account holders and DBS CPFIA holders are able to buy or sell T-Bill issues through DBS. Otherwise, please reach out to your agent bank for application.


Selling

  • Sold at the current market value. The value changes on daily basis. Selling prior to maturity may result in losses.
  • Using SRS and CPF funds, please note that ONLY DBS SRS account holders and DBS CPFIA holders are able to buy or sell T-Bill issues through DBS. Otherwise, please reach out to your agent bank for application.
Cash Supplementary Retirement Scheme (SRS) CPFIS Ordinary Account CPFIS Special Account
You may visit any DBS/POSB branch to submit your applications. You may visit any DBS/POSB branch to submit your applications. You may visit any DBS/POSB branch to submit your applications. You may visit any DBS/POSB branch to submit your applications.

All new/existing CPFIS investors would need to take the Self-Awareness Questionnaire (SAQ).

For more information on SGS Bonds, please visit our Help & Support article.

 

Singapore Savings Bonds (SSB)

Singapore Savings Bonds (SSB) provides individuals with a long-term savings option that offers safe returns.


At a Glance:

Full Return of Principal

Get back your investment amount in full.


Suitable for the long-term

The longer you hold your bond, the higher the return.


Flexible redemption

If you need to cut short the redemption term, there is no penalty for exiting your investment early.

For more information, you can refer to MAS SSB.


To Apply / Redeem

Cash Supplementary Retirement Scheme (SRS)

Please log in to digibank Online or digibank app from 6pm on the 1st business day of the month till 9pm on the last 4th business day of the month. You may also apply or redeem SSBs using a DBS/POSB ATM.

Please log in to digibank Online or digibank app from 6pm on the 1st business day of the month till 9pm on the last 4th business day of the month.

For more information on Singapore Savings Bonds (SSB) please visit our Help & Support article.

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