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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