Earn up to 8.88% p.a. on your savings

Exclusively for DBS Treasures clients: Maximise your USD and SGD returns with our exclusive offerHow to qualify:

Invest or insure with DBS Treasures and deposit fresh USD/SGD funds to earn up to 8.88% p.a. on your USD fixed deposit and 5.08% p.a. on SGD deposit.

This offer is valid from 15 Dec 2025 to 31 Mar 2026 and available on a first-come, first-served basis.

Offer Eligibility:

This offer is for DBS Treasures clients who joined before 1 Oct 2025.

Clients must register for the promotion via their Relationship Manager.

Clients must maintain an active DBS/POSB CASA Account, FD Account or Wealth Management Account (“WMA”).

Applicable to offline investment / insurance transactions only.

How to register:

Contact your Relationship Manager today to register for the promotion.

Here’s how it works:

USD Fixed Deposit Offer
Promotion Criteria		Eligible Rewards
Invest/Insure¹	Eligible fresh funds amount	2-Month USD Fixed Deposit rate
SGD 25,000 to SGD 99,999 (or its equivalent in other currency³)	Up to the investment or insurance amount	6.88% p.a.
At least SGD 100,000 (or its equivalent in other currency)	Up to the investment or insurance amount	8.88% p.a.

SGD CASA Special rate Offer
Promotion Criteria		Eligible Rewards
Invest/Insure¹	Eligible fresh funds amount	2-Month SGD CASA Special rate
At least SGD 150,000 (or its equivalent in other currency)	Up to the investment or insurance amount	5.08% p.a.

¹Refer to Table A below for the eligible products.

Table A: Qualifying Investment & Insurance Product Types²
	Investment Products	Insurance Products
Eligible Qualifying Products	• Unit Trusts • Bonds • Structured Notes	• All Manulife plans

How to calculate the amount eligible³ for the offer³ Where applicable, a fixed exchange rate of SGD 1.3 = USD 1 will be used for the computation of eligible amount.

Example 1: Client invests USD 50,000 and takes up the USD Fixed Deposit Offer
Investment amount	USD 50,000
Eligible fresh funds amount	USD 50,000
USD FD Offer	2-Month USD FD @ 6.88% p.a.
FD period	6 Jan – 6 Mar 2026
FD duration	59 days
Interest earned	USD 563.78

Example 2: Client invests SGD 150,000 and takes up the USD Fixed Deposit Offer
Investment amount	SGD 150,000
Eligible fresh funds amount	SGD 150,000
USD FD Offer	2-Month USD FD @ 8.88% p.a.
FD period	6 Jan – 6 Mar 2026
FD duration	59 days
Amount eligible for offer (USD equivalent)	150,000 / 1.3 = USD 115,384.62
Interest earned	USD 1,679.23

Example 3: Client invests SGD 150,000 and takes up the SGD CASA Special Rate Offer
Investment amount	SGD 150,000
Eligible fresh funds amount	SGD 150,000
SGD CASA Offer	2-Month SGD CASA Special rate @ 5.08% p.a.
CASA earmark period	6 Jan – 6 Mar 2026
CASA earmark duration	59 days
Interest earned	SGD 1,231.73

Please note:

To qualify, you must deposit fresh funds into your account during the promotion period. The fresh funds must be incremental to your existing account balance above what it was in your participating account as of 14 December 2025.

Fresh funds refer to money coming from outside DBS/POSB. This includes fresh USD deposits and fresh funds in other currencies converted to USD through digibank. It does not include transfers and funds from existing DBS/POSB accounts or funds re-deposited from recently withdrawn DBS/POSB accounts within the promotion period.

² General exclusions apply. Please refer to the full Terms & Conditions here.Get in touch with your Relationship Manager via digibank in 3 steps:

Step 1
Login to your DBS digibank app.

Step 2
Tap on “?” and select “Your Relationship Manager”.

Step 3
Your Relationship Manager’s name will be displayed on the left. You can choose to either call (tap on the phone icon) or send a message (tap on mail icon).

Do ensure you have the latest version of digibank app installed to access this feature.

Can I share this promotion with my family and friends?

This promotion is only offered to DBS Treasures clients who joined us prior to 1 Oct 2025. You can share the Welcome Offer with family and friends who have yet to join DBS Treasures.

Can I combine Investment Purchase and Insurance Purchase to hit the minimum amount?

Combining Investment and Insurance Products to hit the minimum amount is not allowed.

If I am participating in other DBS Treasures offers, can I still register for this offer?

This Promotion is not to be used in conjunction with any other ongoing promotion offers, including the Treasures Welcome Offer.

Can I participate multiple times across the promotion period if I purchase multiple investment or insurance amounts?

Yes, you may participate across multiple offers throughout the promotion period as long as each Offer is tied to a different investment or insurance amount purchased.

I have made a joint purchase of qualifying investment/ insurance. Can my joint account holder and I qualify for two offers?

No, for joint purchases only one party may participate in the USD FD/SGD CASA offer. The eligible fresh funds amount will be capped at the total joint investment/insurance purchase amount.

Can I place the USD FD online?

USD FD must be placed via your RM only. Online placements are not eligible.

How do I receive fresh USD/SGD fresh funds in my Multi-Currency Account?

You can make deposits via:

SAL/PAY
Cheque/Cashier's Order/Demand Draft
Cash deposits
FAST credit
MEPS receipt
Telegraphic transfer
Share payment
Inward payments from CDP/CPF
Funds transfer from corporate accounts

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$100,000 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$100,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.Disclaimers
The information herein is published by DBS Bank Ltd (“DBS Bank”) and is for general information only and should not be relied upon as financial advice. This publication may not be reproduced, reposted or communicated to any other person without the prior written permission from DBS Bank. This information does not take into account the specific investment objectives, financial situation or needs of any particular person. Before entering into any transaction involving any product mentioned in this information, where applicable, you should seek advice from a financial adviser regarding its suitability for your own objectives and circumstances. If you choose not to do so, you should make an independent assessment and do your own due diligence on the product. This advertisement has not been reviewed by the Monetary Authority of Singapore.Any past performance, projection, forecast or simulation of results is not necessarily indicative of the future or likely performance of any investment. There is no assurance that the credit ratings of any securities mentioned in this publication will remain in effect for any given period of time or that such ratings will not be revised, suspended or withdrawn in the future if, in the relevant credit rating agency’s judgment, the circumstances so warrant. The value of any product and any income accruing to such product may rise as well as fall. Foreign exchange transactions involve risks. The reader should note that fluctuations in foreign exchange rates may result in losses in foreign exchange. To the extent permitted by law, DBS accepts no liability whatsoever for any direct indirect or consequential losses or damages arising from or in connection with the use or reliance of this publication or its contents.Foreign currency (FCY) deposits are subject to fluctuations in exchange rates which may give rise to capital gains or losses.The insurance products and services stated herein are issued and underwritten by Manulife (Singapore) Pte. Ltd. ("Manulife") (Reg. No. 198002116D) and distributed by DBS. It is not an obligation of, deposit in or guaranteed by DBS.Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs, and the surrender values payable may be less than the total premiums paid.The information herein is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.DBS has introduced additional measures to better protect you against scams, such as the removal of clickable links from emails or SMS sent to customers generally. However, in managing your account relationship, we may send client communications which contain clickable link(s) at your request and/or when you expect it from us. Such information will be for the sole purpose of providing information to you. If in doubt, please contact me before accessing the links.CONFIDENTIALITY NOTE: This message and any attachments transmitted with it contain confidential information and are intended only for the person to whom it is addressed. If you are not the intended recipient, please delete them and notify us immediately. You should not copy, use or disclose their content to any other person.

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