歡迎加入 新加坡房客徵租屋 Singapore Rent Request
(1) DBS: 雖然沒有Fall below fee, 但其實Monthly Fee是變向的Fall Below Fee, 但因為沒有Minimum Balance，所以錢不會被銀行綁住。若和OCBC比較要最低存款金額3000 SGD，DBS的Monthly fee 18 SGD，可當使用OCBC 13年來思考 (3000/18/12=13.88)，整體價格算親民，開戶也很快也很親民。Digital token有時不在新加坡不能用，讓我覺得Physical token比較好用。
(2) OCBC: 雖然initial deposit最低500 SGD，還有只要存3000 SGD，就不會有Fall below fee 35 SGD。但有些服務都是過一段時間就要錢，我覺得尚可接受，若您不介意3000 SGD凍結在銀行的話。開戶時記得不要去總行開戶，否則開戶的OCBC員工姿態有點高。CS服務很好。
(3) UOB: 是對新創最不親切的條件，感覺他們對新創公司也沒太大的興趣，所有費用也比較高。
(4) MayBank: 若開戶，別人可能會以為你是馬來西亞公司，當然也不是太重要。整體來說價格最便宜，讓我非常心動，但不能申請提款卡，而且App不能直接轉帳，一定要用網址才能轉帳。
| SGD |
DBS Digital Business Account |
OCBC Business Growth Account |
UOB eBusiness Account |
Maybank FlexiBiz Account |
| Pricing Guide |
Pricing |
Pricing |
Pricing |
Pricing |
| initial deposit |
1,000.0 |
500.0 |
1,000.0 |
1,000.0 |
| minimum balance |
0.0 |
first 6 months waived, later 3000 |
5,000.0 |
0.0 |
| fall-below fees/ month |
0.0 |
35.0 |
15.0 |
0.0 |
| Monthly fee |
18.0 |
0.0 |
no |
0.0 |
| annual account fee |
0.0 |
38.0 |
0.0 |
0.0 |
| Debit Card annual fee |
0, 0.3% cash rebate |
0, rebate 0.2% / SGD, 0.5% / foreign currency |
0, first year free, later 36/year, but you can call to waive |
not available, only for Sole proprietorship corporate account |
| digital tokens |
free, 20/physical token |
no, only physical token |
no, only physical |
no, only physical |
| Cheque |
25/book |
30 free cheques/month, later 0.50/each, 25/book |
30 free cheques/month, later 0.75/each |
0.50/cheque upon presentation, if average daily balance (per month) falls below S$30,000 |
| OTC, over-the-counter transactions |
20.0 |
20.0 |
5/account/month per OTC cash deposit /withdrawal of S$3,000 and below from the 6th transaction onwards |
0.0 |
| Apply time |
5 minutes |
1 day |
by branch |
2 days wait appointment |
| BIB, Business Internet Banking |
0.0 |
0.0 |
0.0 |
0.0 |
| online banking alert |
0.0 |
first 3 month free, later 25/month (not so important, you can check online banking, and you need to cancel by the counter while 3 months) |
0.0 |
0.0 |
| early account closure fee |
50/ 6 months |
50/ 1 year |
30/ 6 months |
50/ 6 months |
| OD = overdraft fee/month |
10.0 |
30.0 |
10.0 |
1%/amount/year |
| Mobile App can do transaction |
yes |
yes |
yes |
No |
| Business banking Branch in SG |
36 |
21 |
42 |
6 |
| FAST/transaction, immediately |
0.5 |
0.5 (0.2 still 2018) |
5.0 |
1.0 |
| GIRO/transaction, 2-3 days |
0 by App, 5 by branch |
0.2 |
1.0 |
|
| TT/transaction |
10-120 |
35~120 |
? |
5.0 |
| Inward remittance, credit to SGD account |
10.0 |
10.0 |
? |
0.0 |
| Inward remittance, credit to foreign currency account |
10.0 |
10.0 |
? |
0.0 |
| EUR account setup fee |
no |
500 EUR |
500, foreign incorporated companies only |
|
| EUR initial deposit |
no |
No |
900.0 |
|
| EUR account early closure fee |
50.0 |
50 EUR/1 year |
30 SGD |
|
| EUR minimum balance |
800 EUR |
no |
no |
1000 EUR |
| EUR fall below fee |
15 EUR |
? |
no |
5 EUR |
| EUR service fee |
no |
free if below 25000 EUR, 0.5% if over 25000 EUR |
20.0 |
|
| EUR transaction fee |
? |
? |
? |
20 EUR |
| USD account setup fee |
no |
no |
500, foreign incorporated companies only |
|
| USD account initial deposit |
no |
500 USD |
1000 USD |
|
| USD account early closure fee |
50.0 |
50 USD/1 year |
30 SGD |
|
| USD service fee |
no |
first 6 months free |
no |
|
| USD minimum balance |
1000 USD |
1000 USD |
8000 USD |
5 USD |
| USD fall below fee |
15 USD |
15 USD |
28 USD |
1000 USD |
| USD transaction fee |
? |
43 USD/transaction, no matter how much |
? |
25 USD |
| USD oversea transfer to SGD |
? |
around 1.35% admin fee |
? |
|
| Multi-Currency Account (EUR, USD) minimum balance |
10,000.0 |
NA |
NA |
|
| Multi-Currency Account, fall below fee |
35.0 |
NA |
NA |
|
| Multi-Currency Account, annual fee |
40.0 |
NA |
NA |
|
| Financing |
DBS Business Term Loan |
Business First Loan |
no |
SME Micro Loan |
| company operating history |
6 months |
6 months |
3 years |
2 years |
| collateral free loan = unsecured loans |
500,000.0 |
100,00 |
no |
need 20,000 turnover/year, max loan 100,000 |
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