Singapore Savings Bonds

You'll Love

  • Investment issued and backed by the Singapore Government
  • Redemption flexibility with no penalty
  • Apply with ease through UOB Personal Internet Banking or UOB ATMs

You'll Need

  • An individual Central Depository (CDP) securities account
  • UOB Savings / Current account with ATM card
  • Direct Crediting Service (DCS) that links CDP securities account to your bank account
  • Minimum investment of S$500

What is Singapore Savings Bonds (SSB)?

SSB is a special type of Singapore Government Securities (SGS) with features that make them accessible and suitable to individual investors.


No capital losses

You will always get your investment amount back in full.

Long-term investment

You can invest for up to 10 years and earn interest that increases over time. The longer you hold your bonds, the higher your returns.

Flexible redemption

You don’t have to decide ahead of time how long you want to hold your Savings Bonds for. You can get your funds back by the 2nd business day of the following month, with no penalty.

Key Features



Eligibility Individuals only
Term 10 years
  • Paid every 6 months
  • At issuance, rates for the entire 10-year term are fixed based on the prevailing SGS yields and locked in for each issue
Issuance Monthly
  • Monthly, with no penalty
  • Principal and any accrued interest will be paid
Investment amount
  • Minimum of $500, and subsequent multiples of $500
  • Up to $50,000 per issue, and up to $100,000 in aggregate
Non-transferable Savings Bonds cannot be transferred or sold to another person

Initial Amount



S$2 per transaction

(For each Savings Bond application / redemption request)


CDP securities account
with Direct Crediting Service activated

UOB Savings / Current account
≥ 18
years old

Apply Now

Via UOB Personal Internet Banking


Via ATMs

Apply at more than 1,200 ATMs island-wide.


For Enquires