I will review BOC SmartSaver vs UOB One & OCBC 360

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Everyone knows about UOB One and OCBC 360, but what if you have extra savings? Should you consider BOC SmartSaver? Someone in our Telegram group asked about it, so let's break it down! 📉🔍

📌 BOC SmartSaver Interest Rates (Up to 7% p.a.?)
💰 Base Interest – 0.4% p.a. (applies to all balances)
💸 Bonus Interest:
✔ Salary Credit – 2.5% p.a. (Min. S$2,000 credited via GIRO)
✔ Card Spend – Up to 0.8% p.a. (Min. S$500 spend)
✔ Bill Payments – 0.9% p.a. (Min. 3 bills, S$30 each)
✔ Wealth Bonus – 2.4% p.a. (Insurance purchase, optional)
✔ Extra Savings Bonus – 0.6% p.a. (Balances above S$100K)

Realistic Interest Example: 4.3% p.a. on S$100,000 📊
👀 But is it better than OCBC 360 or UOB One? Let’s compare!

🔹 Realistic Interest: How much can you actually earn?
🔹 Best BOC Credit Card to Maximize Rewards
🔹 Comparison with OCBC 360 & UOB One
🔹 Which Account to Choose Based on Your Savings?

⚠ OCBC 360 interest drops to 3.3% p.a. from May 2025 – this comparison is valid till April 30, 2025.

#NotSponsored

[christopherlaw]

I like your lama in the background 🤩. Nice video.

[HoneyMoneySG]

⚠ OCBC 360 interest drops to 3.3% p.a. for first $100, 000 from May 2025 – this comparison is valid till April 30, 2025.

[DoubtVader]

Thank you for sharing! Clicked on the link to support people! Don’t be shy 😊

[iamshiro_e]

how do you compare these 3 with the dbs multiplier?
😃

[vzloump]

Hi, for the three bill payment, can pay income tax and hdb parking?
Other than SP and telco bills. Cannot think of other bills.

Thank you

[mpohoqq]

Can I pay the same credit card 3 times to hit the 3 bill payment for BOC? Not sure what other bills I can pay liao

[pndmmm]

can i get both uob and ocbc if I only have 1 stream salary credit?

[denyce]

I am self-employed. Can I transfer from my dbs account to the boc account and indicate it as SALA. UOB One allows me to do thatx

[vzloump]

Just be honest and direct… no need to compare, just state in one month, ocbc 360 is just trash bye bye.

Then compare uob one and boc

[asisatan]

please put in excel & share thanks

[sunsetbay]

i don't think any HR will split salary crediting into 3 banks~ UOB allows ownself transfer as salary crediting, what about BOC & OCBC~?