CashIntel
Singapore Cash Allocation Intelligence
One clear cash decision, without the rate-table noise.
Singapore cash options are fragmented across T-Bills, SSBs, fixed deposits, bonus savings accounts, and cash management platforms. CashIntel turns the noise into one clear move.
Best Yield
3.85%
Signal
MOVE
Cash Score
89/100
Recommended Move
Move idle cash toward T-Bill (6M)
Best fit for spare cash that can sit untouched, while keeping near-term spending money liquid.
3.85%
↑ +0.15% vs last week
STRONG
89/100
Liquidity
Medium
Confidence
High confidence
yield
100
Liquid
70
safety
96
Simple
78
Fresh
92
3.85% indicated yield ranks strongly in today's cash universe
Government-backed safety profile
6 months liquidity trade-off is clear enough for a simple decision
Not suitable for emergency cash or near-term spending money.
Updated Today. Cash Score blends yield, liquidity, safety, simplicity, and freshness. Not sponsored placement.
Best watched FD now: CIMB 6M at 3.55%
Tracking 10 FD signals across Singapore banks and finance companies. CashIntel shows only the few moves that may affect the cash decision.
CIMB
6M · min S$10k
3.55%
Short-tenure leader
Maybank
9M · min S$20k
3.50%
Competitive promo
RHB
12M · min S$20k
3.48%
Promo rate watch
Capital Environment
Neutral
Cash yield and lending cost are close enough to stay balanced. Context only; this does not change the Cash Score ranking.
Best Yield
3.85%
Lending
4.20%
Spread
-0.35%
Where should I put my money?
Enter idle cash. CashIntel gives the split, rationale, and warning.
Expected Yield
3.20%
Recommended Allocation
For $50,000, place $30,000 in T-Bill, keep $20,000 in Savings.
T-Bill
Main yield engine
$30,000
Savings
Ready cash
$20,000
Cash Sources
6
T-Bills, SSB, FD, savings, cash funds
Decision Speed
<5s
User sees the move before scrolling
Decision Model
5 Factors
Yield, liquidity, safety, simplicity, freshness
Top Options Today
A decision shortlist, not a bank comparison table.
T-Bill (6M)
3.85% · Medium liquidity · Government-backed · Score 89
Best for: Idle cash that can sit untouched for 6 months
Singapore Savings Bond
3.15% · Medium liquidity · Government-backed · Score 81
Best for: Conservative cash with more flexible exit than T-Bills
Fixed Deposit (12M)
3.60% · Low liquidity · Bank-backed · Score 79
Best for: Cash you can lock away for a known bank rate
Cash Management Account
3.35% · High liquidity · Market-linked · Score 79
Best for: Flexible cash seeking yield above simple savings
Market Direction
What changed enough to affect the cash decision.
T-Bill Yield Rising
Up +0.15% from last week.
Fixed Deposits Stable
No major movement detected.
Savings Under Pressure
Yield advantage remains weaker.
Related Intelligence
DemandIntel
Fast public answers for what is happening in Singapore now: mobility pressure, travel friction, airport flows, cruise traffic, and event movement signals.
Rate Alerts
Know when the cash decision changes.
Watch T-Bill yields, fixed deposit moves, savings-account changes, and cash management rates in one place. No feed overload--just a decision update when the signal changes.
Ranked by decision quality, not sponsored placement.