Terms & Conditions | DBS Treasures

DBS Treasures Sign Up Promotion T&Cs

Terms and Conditions Governing DBS Promotion for New DBS Treasures Customers (“Promotion”)Participation in the Promotion constitutes acceptance of these Terms and Conditions.

The Promotion period is from 1 April 2025 to 30 June 2025 (“Promotion Period”) and is open to new DBS Treasures customers (“Customers”) of DBS Bank Ltd (“DBS”) who start their DBS Treasures relationship within this Promotion Period. Customers must not have been DBS Treasures Customers in the last 12 months of starting their current DBS Treasures relationship.

DBS will have the final decision on all matters regarding the promotions

DBS may change these terms or suspend/terminate any of the promotions without giving notice.

The Customers consent to DBS’ collection and use of the Customer’s personal data and the use and disclosure of the Customer’s personal data by/to third parties for the purpose of the promotions. The Customers agree to the terms of the DBS Privacy Policy, a copy which can be found at www.dbs.com/privacy.

Welcome Offer

To participate in the Welcome Offer, Customers must register through their Treasures Relationship Manager between 1 April 2025 to 30 June 2025.

To qualify for the Welcome Offer, Customers must fulfill the following criteria during the Promotion Period:

Deposit Fresh Fund(s) from outside DBS/POSB of at least SGD350,000 / SGD500,000 / SGD1,000,000 (“Fresh Funds Deposit”), or its foreign currency equivalent to their DBS/POSB Current Account/ Savings Account (“CASA”) tagged to their current DBS Treasures relationship.
Fresh Funds Deposits must be incremental to the consolidated balance of Customer’s CASA as of 31 March 2025. The Fresh Funds Deposit must be maintained with DBS for at least 3 months from the last date of deposit, with the corresponding increase in Customers’ total asset under management (“AUM”). The funds can be utilized for purchase of investment or insurance.

Customers will not qualify for the Welcome Offer if the transfers are made from any account within DBS, whether directly or indirectly. The Fresh Funds must not be used in any other ongoing Deposits/ Fresh Funds promotions during the Promotion Period or placed in any Fixed Deposit/ Time Deposit accounts.
- Fresh Funds Deposits refer to funds:
  - in the form of SAL/PAY deposits, funds deposited through cheque(s), cashier’s order(s), demand draft(s), cash deposits, FAST credit, MEPS receipt, telegraphic transfer, share payment, inward payments from CDP/CPF and funds transfer from corporate accounts;
  - that are not transferred from any existing DBS / POSB account, deposited via DBS / POSB cheque(s) / cashier’s order(s) / demand draft(s) or withdrawn from any existing DBS / POSB account and re-deposited within the Promotion Period.
Successfully complete Investment Objective Setting (“IOS”) / Your Financial Profile (“YFP”) with their DBS Treasures Relationship Manager or Risk Profile for Online Unit Trust purchase.
Successfully declare Accredited Investor (“AI”) status with DBS Treasures (optional) and must not have held AI status with DBS within the past 12 months. AI status must be declared individually. Joint account(s) AI status will not be eligible for this promotion.
Purchase a minimum of SGD100,000 in Eligible Wealth Product(s). Customers can purchase the wealth product with the Fresh Funds by 31 July 2025 to qualify for the Welcome Offer.
An “Eligible Wealth Product” refers to:
- Unit Trust subscriptions made in cash only via online/mobile/DBS Treasures Relationship Managers not including subscriptions made in Regular Savings Plan (RSP), Supplementary Retirement Scheme (SRS) and Central Provident Fund (CPF)
- Equity trades executed in the seven global markets offered online via DBS Online Equity Trading platform. Excludes any trade in a structured product issued by DBS and listed on the Hong Kong Stock Exchange
- Currency Linked Investments
- Credit Linked Note
- Step-up Note
- Cap Floor Floating Rate Note
- Equity Linked Notes
- Cryptocurrencies
- Bonds
- Structured Deposits
- Funds-based digiPortfolio
- * Regular premium insurance plans, valued at annualized premium amount - i.e. A monthly premium of SGD2,000, would be valued at SGD24,000 (SGD2,000 X 12 months)
- * Single premium insurance plans, valued at single premium amount - i.e. A single premium amount of SGD100,000, would be valued at SGD100,000 (minimum policy term of 10 years)
- * Multi-pay universal life insurance premiums, valued at initial annual premium – ie: An initial annual premium of SGD10,000, would be valued at SGD10,000

* For the avoidance of doubt, policy owner of any insurance purchase must be the same as the customer who registered for the Welcome Offer

Customers who meet ALL the requirements to qualify for the Welcome Offer are entitled to receive the below cash gift, which will be credited to their DBS/POSB CASA by 30 September 2025.

a cash gift of SGD2,000 with Fresh Funds Deposit of at least SGD350,000.
a cash gift of SGD3,500 with Fresh Funds Deposit of at least SGD500,000.
a cash gift of SGD7,500 with Fresh Funds Deposit of at least SGD1,000,000

Customers who meet the requirements to qualify for the Welcome Offer, but did not declare Accredited Investor (“AI”) status with DBS Treasures are entitled to receive the below cash gift, which will be credited to their DBS/POSB CASA by 30 September 2025.

a cash gift of SGD1,000 with Fresh Funds Deposit of at least SGD350,000.
a cash gift of SGD2,500 with Fresh Funds Deposit of at least SGD500,000
a cash gift of SGD6,500 with Fresh Funds Deposit of at least SGD1,000,000

Customers must maintain their current DBS Treasures relationship for at least 6 months from the date that the relationship is established.

10.

Each Customer will only be entitled to one cash gift regardless of the number of accounts the Customer has with DBS/POSB and whether held singly or jointly with any other person(s).

11.

Customers who fail to fulfill the above criteria, DBS reserves the right to debit the amount equivalent to the cash gift, from any account that the Customer maintains with DBS/POSB.

Unit Trust Offer

12.

Customers are entitled to Retirement digiPortfolio with units worth S$800 (“gift”) on each S$100,000 for your first unit trust subscription (“Unit Trust Offer”) made between 1 April 2025 to 30 June 2025.

13.

The unit trust subscription must be made in cash and executed online or offline via your Relationship Manager with a min sales charge of 1.5%. Unit trust subscriptions made in Regular Savings Plan (RSP), Supplementary Retirement Scheme (SRS) and Central Provident Fund (CPF) are not eligible for this Unit Trust Offer.

14.

Subscription into BlackRock ICS USD Liquidity, Fullerton SGD Cash Fund, Goldman Sachs Sterling Liquid Reserve, Goldman Sachs US$ liquid Reserves and Standard VNAV Fund are excluded from this offer.

15.

Staff of DBS Bank are not eligible for this Unit Trust Offer.

16.

The Unit Trust Offer is valid for the first subscription and subject to a min. transaction amount of SGD100,000 and max. transaction amount of SGD1,000,000, or its foreign currency equivalent. Max. gift amount will be at S$8,000 (i.e. S$1,000,000/S$100,000 X S$800 = SGD8,000).

17.

For Customers who are not invested in the SGD-denominated Retirement digiPortfolio, the digiPortfolio will be created and the gift will be available on DBS digibank by 30 September 2025.

18.

For Customers who are already invested in the SGD-denominated Retirement digiPortfolio (regardless of model allocation), the gift will be credited into the existing portfolio by 30 September 2025. If there are more than one SGD-denominated Retirement digiPortfolio, the Gift will be credited into the portfolio that was most recently opened.

19.

The number of units that are credited into the SGD-denominated Retirement digiPortfolio will be determined based on the prevailing value of the underlying units in such digiPortfolio. All calculations will be made by DBS and are final.

Treasury Products offer

20.

Customers are entitled to a one-time Retirement digiPortfolio with units worth SGD1,000 for the first Treasury Product subscription (Treasury Products Offer”) made between 1 April 2025 to 30 June 2025.

21.

The Treasury Products Offer is valid for the first subscription in “Eligible Treasury Products” and is subject to a minimum investment amount of SGD100,000, or its foreign currency equivalent. In the case of Bonds, it is the minimum investment of the bond, whichever is higher.

An “Eligible Treasury Product” refers to:
- Equity Linked Note (ELN)
- Bonds
- Structured Notes

22.

Successfully declare Accredited Investor (“AI”) status with DBS Treasures for investment in ELN, Bonds and Structured Notes.

23.

Successfully complete Investment Objective Setting (“IOS”) / Your Financial Profile (“YFP”) with their DBS Treasures Relationship Manager

24.

For Customers who are not invested in the SGD-denominated Retirement digiPortfolio, the digiPortfolio will be created and the gift will be available on DBS digibank by 30 September 2025.

25.

For Customers who are already invested in the SGD-denominated Retirement digiPortfolio (regardless of model allocation), the gift will be credited into the existing portfolio by 30 September 2025. If there are more than one SGD-denominated Retirement digiPortfolio, the gift will be credited into the portfolio that was most recently opened.

26.

Each Customer will only be entitled to one gift. regardless of the number of accounts the Customer has with DBS/POSB and whether held singly or jointly with any other person(s).

27.

Customers who fail to fulfill the above criteria, DBS reserves the right to debit the amount equivalent to the gift, from any account that the Customer maintains with DBS/POSB.

Insurance offer

28.

Each Customer is entitled to sign up for one Qualifying Product and we reserve the right to determine if this may be used in conjunction with any prevailing insurance promotion(s). The Qualifying Products must be signed between 1 April 2025 to 30 June 2025 and issued by 31 July 2025 (all dates inclusive – For Category B/C/D), or issued by 30 August 2025 (all dates inclusive – For Category A). Each Policy Owner is only entitled to one Insurance Gift per category.

29.

Customers who qualify for the Insurance Offer are entitled to receive units in the Retirement digiPortfolio (the “Insurance Gift”) which will be processed by 15 Oct 2025, after the policy crosses the 14-day free-look period.

30.

For Customers who are not already invested in the SGD-denominated Retirement digiPortfolio, the digiPortfolio will be created and the gift will be available on DBS digibank by 15 Oct 2025.

31.

For Customers who are already invested in the SGD-denominated Retirement digiPortfolio (regardless of model allocation), the gift will be credited into the existing portfolio instead. If there are more than one SGD-denominated Retirement digiPortfolio, the gift will be credited into the portfolio that was most recently opened.

32.

The Promotion is applicable to any version of the Qualifying Product(s) made available at point of application.

Qualifying Products

Insurance Gift

Category A
Heirloom
Signature Life
Signature Indexed Universal Life Select

Premium Tenor	Value of Retirement digiPortfolio units (% of initial premium, up to reference premium)
Single Premium	0.4%
2 – 4 years	0.5%
5 – 9 years	1.0%
10 years & above	1.5%

Value of the Retirement digiPortfolio units is capped at SGD3,500, on top of prevailing promotions*

Category B
Signature Income
Signature Lifetime Rewards
Signature Legacy Growth
Signature Indexed Income

Premium Tenor	Value of Retirement digiPortfolio units (% of initial premium, up to reference premium)
Single Premium	0.4%
2 – 4 years	0.5%
5 – 9 years	1.0%
10 years & above	1.5%

Value of the Retirement digiPortfolio units is capped at SGD3,500, on top of prevailing promotions*

Category C (Min S$1000 premiums per annum)
Manulife Early CompleteCare
ManuProtect Decreasing
ManuProtect Decreasing Lite
ManuProtect Term
ManuProtect Term Lite
LifeReady Plus

Additional units in Retirement digiPortfolio worth SGD100 on top of prevailing promotions*

Category D
Manulife Spring
Manulife SmartRetire
Manulife InvestReady
Manulife IncomeSecure ReadyBuilder
Manulife IncomeGen
Manulife GrowSecure
Manulife FlexiRetire

Additional units in Retirement digiPortfolio worth SGD500 on top of prevailing promotions*

*Terms and conditions of the prevailing promotions will apply, at the point of issuance of the Qualifying Products.

33.

The exchange rate for USD to SGD for USD denominated Qualifying Products will be fixed at 1.35.

Important notes

digiPortfolio
digiPortfolio is an investment portfolio which invests in units of underlying Unit Trusts or Exchange Traded Funds and further investments will require the investor to satisfy the Customer Knowledge Assessment or Client Account Review questionnaire.

The Retirement digiPortfolio utilises a glidepath strategy which determines the portfolio’s asset allocation based on an individual’s number of years to retirement. By default, the national retirement age of 63 is used for this purpose. More information on digiPortfolio is available on the DBS website.

The advantage of a digiPortfolio is that DBS manages it entirely for you. This means that you authorise DBS to make all investment decisions. The value of the units may rise as well as fall. Any past performance, projection, forecast or simulation of results is not necessarily indicative of the future or likely performance of any investment. The management fee of digiPortfolio is currently 0.25% p.a. – 0.75% p.a. calculated daily based on the daily Portfolio value on a 365/366-day year.

Deposits 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

The life insurance policy is protected under the Policy Owners’ Protection Scheme which is administered by the SDIC. Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact the respective insurer or visit the Life Insurance Association or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

Before committing to an investment, please seek advice from a financial or other professional adviser regarding the suitability of the product and read the relevant product offer documents, including the risk disclosures, which can be obtained from DBS Bank Ltd. If you do not wish to seek financial advice, please consider carefully whether the product is suitable for you. Foreign currency transactions are subject to exchange rate fluctuations, which may result in capital gains or losses; such accounts may also be subject to exchange controls imposed on the currency held.

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